Hey Mike, My spouse and I have different ideas of how much risk we should be taking when it comes to investing our retirement funds. How can we find a balance that works for both of us?” Discover how to address a divide in risk tolerance and find a solution that works for all parties involved. 

Hey Mike, I just retired this month and have an outstanding retirement loan (against my 401k) with a balance of $8,000.00.  The payment is $680.00 per month.  I’d like to stop paying that. What is the best way to handle this outstanding balance - default or pay myself back with my portfolio?” Discover how to address if you should pay the loan off quickly or if it makes sense to pay it off slowly. Also, learn how to find the information needed to settle the balance. 

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“Hey Mike, is AI better than an advisor at making trades and managing a portfolio?” Discover how Wall Street has been using “AI” for decades and how it may not drastically change their abilities. Also, learn how the average investor may increase their risk by using AI for themselves without sufficient experience or understanding (the Dunning Kruger Effect).

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“Hey Mike, should I be buying and holding stocks, or investing in cheap S&P 500 ETFs like SPY and VOO for the long term?” Discover the difference between buying individual stocks vs buying an index and holding it for a long-term period of time.

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“Hey Mike, what are these “RMDs” I am hearing about, and how do they fit into my retirement income strategy?” Discover the potential tax inefficiencies caused by Required Minimum Distributions and various strategies you can implement to help take action now.

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“Hey Mike, I want to retire to Mexico where the cost of living is less and the weather is great year round. What financial considerations do I need to make?” Discover some potential unknown risks associated with living abroad in retirement. This is not a comprehensive conversation, but more of a high-level starting point.

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“Hey Mike, I am 60 and plan to retire in five years. My 401(k) is almost entirely equities; what moves should I be making to prepare for retirement?”

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“Hey Mike, how can an annuity offer a guaranteed withdrawal rate of 6.5% when we are told you should only take out 4% from your portfolio?” Discover the risks associated with lifetime income so you can prepare for those risks or move in another direction. Remember, there’s no such thing as a perfect investment, product, or strategy.

Text your questions to 913-363-1234.

Request Your Wealth Analysis by going to www.yourwealthanalysis.com