Retirement Talks with Ted Thatcher Podcast Por Derek Johnson arte de portada

Retirement Talks with Ted Thatcher

Retirement Talks with Ted Thatcher

De: Derek Johnson
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Tune in to Bright Lake Wealth Management Presents: Retirement Talks with Ted Thatcher on the radio at KQMS on Sundays from 7:30am to 8:30am.

Disclosure: This website Bright Lake Wealth Management (this “Website”) is owned and operated by Bright Lake Wealth Management. Bright Lake Wealth Management offers investment advisory services and is registered with the state. Registration does not constitute an endorsement of the advisory firm by the state nor does it indicate that the advisory firm has attained a particular level of skill or ability. All content available on this Website is general in nature, not directed or tailored to any particular person, and is for informational purposes only. Neither the Website nor any of its content is offered as investment advice and should not be deemed as investment advice or a recommendation to purchase or sell any specific security. The information contained herein reflects the opinions and projections of Bright Lake Wealth Management as of the date hereof, which are subject to change without notice at any time. Bright Lake Wealth Management does not represent that any opinion or projection will be realized. Bright Lake Wealth Management, nor any of its advisers, officers, directors, or affiliates represents that the information presented on this Website is accurate, current or complete, and such information is subject to change without notice. Any performance information must be considered in conjunction with applicable disclosures. Past performance is not a guarantee of future results. Neither this Website nor its contents should be construed as legal, tax, or other advice. Individuals are urged to consult with their own tax or legal advisers before entering into any advisory contract.Copyright Derek Johnson Economía
Episodios
  • All-Weather Retirement Strategy

    All-Weather Retirement Strategy
    Nov 9 2025
    On this week’s episode of Retirement Talks, Ted Thatcher and the Bright Lake Wealth Management team tackled the complexities of retirement planning and the critical transition from saving to spending. Ted emphasized the importance of strategic planning to avoid outliving your savings, touching on generational concerns such as the “messy middle” faced by Gen X and the challenges younger generations encounter entering the workforce. The show highlighted practical steps for maximizing retirement income, like reducing debt and carefully timing Social Security benefits—decisions that can have million-dollar impacts on a family’s financial future.

    A key focus was on understanding required minimum distributions (RMDs) and their impact on taxes, Social Security, and overall retirement outcomes, especially following recent regulatory changes. Ted stressed the value of informed guidance and personalized coaching to help retirees avoid costly pitfalls and ensure their unique financial puzzle comes together.


    For more information, visit https://www.brightlakewealth.com/
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    28 m
  • Navigating Retirement in a Changing Economy

    Navigating Retirement in a Changing Economy
    Nov 2 2025
    This week on "Retirement Talks," Ted Thatcher discussed the ongoing complexities of retirement planning, emphasizing the importance of flexibility in financial strategy, especially in light of recent economic changes. They opened with news from Washington that the Federal Reserve had cut interest rates for the first time in nearly a year, a move that impacts retirees planning their income, investments, and long-term goals. Ted highlighted the importance of adapting to shifts in interest rates, market volatility, and policy changes rather than relying on a “set it and forget it” approach.

    The show answered listener questions on topics like healthcare costs, Medicare coverage gaps, required minimum distributions (RMDs), and strategies for planning around longevity. Ted explained how to fill Medicare gaps with appropriate insurance, cleared up confusion about changing RMD ages under recent legislation, and shared practical advice for spending and saving based on the “go-go, slow-go, and no-go” phases of retirement.


    For more information, visit https://www.brightlakewealth.com/
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    28 m
  • Saver to Spender: Building Income and Growth for Your Golden Years

    Saver to Spender: Building Income and Growth for Your Golden Years
    Oct 26 2025
    This week on Retirement Talks, Ted Thatcher of Bright Lake Wealth Management discussed the complexities of retirement planning, emphasizing the transition from being a saver to becoming a spender. He highlighted that understanding how much you need every month in retirement is the critical first step. Ted stressed the importance of building a retirement plan with two key buckets: one for current income and another for growth, ensuring resources last through a potentially long retirement. He addressed common questions on Social Security strategies (maximizing vs. optimizing), managing risk tolerance versus risk capacity, and preparing for unexpected expenses like major home repairs, taxes, and market volatility.

    The mailbag segment featured listener concerns about overspending in retirement, reluctance to stop working, and choosing a retirement home. Ted offered practical advice, reminding retirees to align spending with their financial plans and to feel comfortable enjoying the resources they've worked so hard to build. He also cautioned about state-level tax differences and emphasized the importance of preparing for flexible retirement options, especially as life interests and capacities change.


    For more information, visit https://www.brightlakewealth.com/
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    28 m
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