The Get Ready for the Future Show

Should you buy a hybrid long-term care policy or self-insure with $1.4 million saved? Teresa and Janet Walker break it down, plus 2027 Social Security changes, 529s, Roth conversions and rental properties.

Call us at 866-653-PLAN (866-653-7526) or email info@getreadyforthefuture.com to talk through your own plan.

On this episode:
• 9 Social Security changes coming in 2027, beyond the 3.6% COLA
• Can you live off 5% Treasuries and never touch $1.6 million?
• 3 signs you should rethink retiring in 2027
• Should you wait until retirement to do Roth conversions?
• Grandparents: how much can you put in a 529 plan?
• Hybrid long-term care policy vs. self-insuring at 62 and 64
• Rental properties at 60: sell, 1031 exchange, or hold?

Timestamps:
00:00 9 Social Security changes coming in 2027
05:26 Living off 5% Treasuries: the inflation problem
10:49 3 signs you shouldn't retire in 2027
16:35 Should you wait on Roth conversions?
22:03 Listener questions
23:00 Grandparents funding a 529 plan
30:42 Hybrid long-term care vs. self-insuring
39:10 Rental properties: sell, 1031 exchange, or hold?
48:02 Key takeaways

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📈 Talk with us about your retirement plan: https://getreadyforthefuture.com
🎙 Have a question for the show? Email show@getreadyforthefuture.com or text 501-381-5228
⏱ The Fastest Four Minutes in Finance: https://fastest4.com

#LongTermCare #RetirementPlanning #SocialSecurity #RothConversion #529Plan #Medicare #RetirementIncome

You retired with a traditional IRA, a Roth IRA, and a brokerage account. Which one should you spend from first?

Call us at 866-653-PLAN (7526) or email info@getreadyforthefuture.com to talk through your own situation.

On this episode of the GenWealth Radio Hour, Scott Inman and Tim Key answer four listener questions and react to this week's retirement headlines:
• We retired at 66. Which account do we spend from first without a big tax surprise?
• Our Part D plan is changing for 2027. Do we need to shop every Medicare open enrollment?
• I'm 44 and my family lives on my income. Is group disability enough?
• How do I enjoy the holidays without running up a credit card again?

Plus: three year-end deadlines (401(k) contributions, Roth conversions, and Medicare open enrollment), what the 3.6% Social Security COLA for 2027 really means after Part B and taxes, and why an advisor recommending a $200,000 loan instead of selling investments set off a debate about advisory fees.

Medicare help: getreadyforthefuture.com/medicare

Timestamps:
00:00 Intro
01:37 Three year-end retirement deadlines: 401(k) limits and catch-ups
06:43 Roth conversion deadline is Dec 31, no extension
08:24 2027 Social Security COLA is 3.6%: what you actually keep
12:53 A $200,000 loan instead of selling? Advisory fees explained
22:03 The Get Ready for the Future Show
23:47 Which retirement account should you spend from first?
31:41 Should you shop your Medicare Part D plan every year?
36:13 Is group disability insurance enough for a single-income family?
43:10 How to pay for the holidays without credit card debt
48:28 Final thoughts: finish 2026 strong

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🍿 Subscribe for weekly retirement answers: https://www.youtube.com/@GenWealthFinancialAdvisors?sub_confirmation=1
📈 Talk with us about your retirement plan: 866-653-7526 · info@getreadyforthefuture.com
🎙 Have a question for the show? Text or leave a voicemail at 501-381-5228, or email show@getreadyforthefuture.com


#RetirementIncome #RothConversion #SocialSecurity #Medicare #401k #RetirementPlanning

Is your UnitedHealthcare Medicare Advantage plan ending in 2027? Here's what to do before open enrollment closes December 7.

Call us at 866-653-PLAN (866-653-7526) or email info@getreadyforthefuture.com to talk through your own situation.

UnitedHealthcare has announced it is discontinuing Medicare Advantage plans covering about 390,000 members for 2027. If you do nothing, you can fall back to original Medicare on January 1 – with no drug coverage and no out-of-pocket maximum. Open enrollment runs October 15 – December 7, and a special enrollment period for a replacement Advantage plan runs December 8 – February 28, 2027.

Also on this episode: why the retirement number that matters is your annual income gap (not $1 million), what a "$60,000 and zero federal tax" 401(k) headline leaves out, and four listener questions on inheriting $400,000, donor advised funds and bunching, and whether to delay your first RMD.

Timestamps:
00:00 Welcome to the Gen Wealth Radio Hour
01:08 UnitedHealthcare ending Medicare Advantage plans: what to do by Dec. 7
07:05 The retirement number that matters more than $1 million
14:09 The "$60,000, zero federal tax" 401(k) plan: what it leaves out
21:48 The Get Ready for the Future Show begins
23:05 Wayne: Medicare Advantage plan discontinued – do we have to pick a new plan?
28:04 Joyce: How to plan for retirement with a $400,000 inheritance
37:20 Elena: Donor advised fund and bunching with appreciated stock
43:13 Bill: Should I delay my first RMD until April 1?
48:46 Final thoughts

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Discover, protect, and share true financial independence.

Subscribe for weekly retirement answers: https://www.youtube.com/@GenWealthFinancialAdvisors?sub_confirmation=1
Talk with us about your retirement plan: call 866-653-PLAN (866-653-7526) or email info@getreadyforthefuture.com
Have a question for the show? Text or leave a voicemail at 501-381-5228, or email show@getreadyforthefuture.com

You should personally consult a financial advisor before making any investment and no strategy can assure success. Securities are offered through LPL Financial. Member FINRA, SIPC. Investment advice offered through Independent Advisor Alliance. Independent Advisor Alliance and Gen Wealth Financial Advisors are separate entities from LPL Financial.

#MedicareAdvantage #UnitedHealthcare #MedicareOpenEnrollment #RetirementPlanning #RMD #InheritanceTax #DonorAdvisedFund

Social Security's trust fund is projected to run short in late 2032. Should you claim early, or wait? We answer that and three more listener questions.

Call us at 866-653-PLAN (7526) or email info@getreadyforthefuture.com to request a first appointment.

On this episode:
• Rhonda (Hot Springs): We're 64 and 66 and still working. Should we claim Social Security early before 2032?
• Larry (Texarkana): Our $450,000 house is paid off. Downsize, stay put, or use a reverse mortgage or HELOC?
• Curtis (Little Rock): Is tax-loss harvesting worth it, and how do we avoid the wash sale rule?
• Mallory (Searcy): I'm 25 and my Roth IRA just says "cash." Is my money invested?

Plus in What's Happening: Jeff Bezos tells retirees to buy the S&P 500, a proposal that could raise full retirement age to 70 for anyone born 1981 or later, and why even a $20 million retiree can struggle to spend.

Scott Inman and Janet Walker of GenWealth Financial Advisors host, from West Little Rock, Arkansas.

Timestamps:
00:00 Intro
01:00 Jeff Bezos says retirees should buy the S&P 500
06:40 Proposal to raise full retirement age to 70
14:30 Why wealthy retirees struggle to spend
21:50 Paid-off $450K house: downsize or stay put?
27:45 Reverse mortgage vs. HELOC
30:45 Should you claim Social Security early before 2032?
36:00 Tax-loss harvesting and the wash sale rule
42:15 Why is my Roth IRA sitting in cash?
49:15 Roth catch-up contribution rule for 2026

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Helping you discover, protect and share true financial independence.

🍿 Subscribe for weekly retirement answers: https://www.youtube.com/@GenWealthFinancialAdvisors?sub_confirmation=1
📈 Talk with us about your retirement plan: 866-653-7526 | info@getreadyforthefuture.com
🩺 Medicare enrollment review (no cost): https://getreadyforthefuture.com/medicare
🎙 Have a question for the show? Email show@getreadyforthefuture.com or text 501-381-5228

You should personally consult a financial advisor before making any investment and no strategy can assure success. Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Independent Advisor Alliance. Independent Advisor Alliance and GenWealth Financial Advisors are separate entities from LPL Financial.

#SocialSecurity #RetirementPlanning #ReverseMortgage #RothIRA #TaxLossHarvesting #FullRetirementAge #RetirementIncome

Should you take a $2,400-a-month pension for life or a $410,000 lump sum? That's the question of the week on The Get Ready for the Future Show.

Call us at 866-653-7526 (866-653-PLAN) or book a time at getreadyforthefuture.com to talk through your own situation.

On this episode:
– Pension or lump sum: how do you decide between $2,400 a month for life and a roughly $410,000 rollover?
– Does "85% of my Social Security is taxable" mean you lose 85% to taxes?
– We're 44 and 42, saving $60,000 a year, and want to step back around 55. How do we build a real timeline?
– Plus our What's Happening segment: Dave Ramsey's three retirement mistakes, three reasons not to claim Social Security at 62, and why 401(k)s are better at accumulating than distributing.

Timestamps:
00:00 Welcome to the Radio Hour
01:25 Dave Ramsey's three retirement mistakes: debt, retiring early, Social Security as the whole plan
09:56 Three reasons not to claim Social Security at 62
16:24 The 401(k) and IRA withdrawal problem
23:01 The Get Ready for the Future Show begins
24:09 Is 85% of Social Security taxable? Roth conversions and tax planning
31:20 Pension or lump sum: $2,400 a month vs. $410,000
39:35 Can you step back at 55? The rule of 55 and retirement timelines
46:44 Monte Carlo stress tests and closing thoughts

– – – – – – – – – –
Discover, protect, and share true financial independence.

🍿 Subscribe for weekly retirement answers: https://www.youtube.com/@GenWealthFinancialAdvisors?sub_confirmation=1
🎙 Have a question for the show? Email show@getreadyforthefuture.com


#PensionVsLumpSum #SocialSecurity #RetirementPlanning #RuleOf55 #RothConversion #GenWealth

You saved $1.2 million, paid off the house, and retired debt-free. So why does spending it feel so hard? We answer that and three more listener questions.

Call us at 866-653-PLAN (866-653-7526) or email info@getreadyforthefuture.com to talk through your own situation.

On this episode, Scott Inman is joined by GenWealth advisor Jason Marshall for his first time on the show.

What's Happening:
– A viral claim that $115,000 paid into Social Security "cost" a worker $2 million
– The proposed "Bernie Bump" and why it isn't a flat $2,400 for everyone
– Which retirement account to spend from first
– Why your Medicare Annual Notice of Change letter matters before open enrollment (Oct 15 – Dec 7)

Listener questions:
– Marilyn: We retired with $1.2 million. Why do we feel guilty spending it?
– Kevin: Turning 65. Original Medicare with a supplement, or Medicare Advantage?
– Grant: Should an HSA come before my 401(k) or Roth?
– Ashley: How big should my first emergency fund be, and where should I keep it?

Timestamps:
00:00 Intro: meet Jason Marshall
03:20 Did Social Security really cost him $2 million?
09:44 The "Bernie Bump": who would actually get $200 a month?
13:01 Which retirement account should you spend from first?
19:35 Medicare Annual Notice of Change letters for 2027
21:39 The Get Ready for the Future Show begins
23:57 Retired with $1.2 million and afraid to spend it
30:19 Medicare Advantage vs. a Medicare supplement at 65
35:09 Is an HSA worth prioritizing over a 401(k)?
42:28 How much emergency fund do you need, and where to keep it
48:11 Final thoughts

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Have a question for the show? Text or leave a voicemail at 501-381-5228, or email show@getreadyforthefuture.com


#RetirementPlanning #SocialSecurity #Medicare #HSA #RetirementIncome #EmergencyFund #MedicareOpenEnrollment