The Get Ready for the Future Show

When does waiting until 70 to claim Social Security backfire? John Shrewsbury and Janet Walker break it down, plus four listener questions.

Call us at 866-653-PLAN (7526) or text 501-381-5228 to talk through your own situation.

In the What's Happening segment:
– A new study finds nearly 98% of "finfluencers" lack relevant credentials — and misleading videos out-draw accurate ones
– A couple buys long-term care insurance at 55; at 82 it covers a $9,600/month nursing home bill
– Three situations where planning to claim Social Security at 70 can backfire

Listener questions:
– Ellen (Van Buren): Does the 3–6 month emergency fund rule change once you retire?
– Faith (Springdale): Does our old will still hold up after moving to a new state?
– Douglas (Jonesboro): What should I look at in my deferred compensation payout options?
– Bailey (Bryant): I paid off my last credit card — should the $300/month go to savings or investing?

Timestamps:
00:00 What's Happening intro
00:38 98% of finfluencers lack credentials
08:40 Is long-term care insurance worth it?
12:35 When claiming Social Security at 70 can backfire
20:17 The Get Ready for the Future Show begins
21:30 How much emergency cash do retirees need?
26:35 Does your will still work after a move?
31:30 Deferred compensation payout options
39:50 Debt-free: save or invest $300 a month?
48:02 Final thoughts and Money Works workshops

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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
🎙 Have a question for the show? Email show@getreadyforthefuture.com or text 501-381-5228

#SocialSecurity #LongTermCare #Finfluencers #EmergencyFund #DeferredCompensation #EstatePlanning #RetirementPlanning

What does it actually take to build a succession plan for the business you've spent decades building?

Call us at 866-653-7526 (or 501-653-7355) or email info@getreadyforthefuture.com to talk through your own situation.

On this episode:

– What's Happening: a tax-free Social Security & IRA strategy, 8 Medicare changes coming in 2027, the #1 mistake derailing "safe" retirement savings, and retiring at 59 without employer health coverage
– Listener question from Russell, a 20-year HVAC company owner: "How do I even start thinking about an exit or succession plan?"
– Guest Jason Curry, author of Finish Empty, on the drive and accountability underneath every succession plan

If you're a business owner who keeps meaning to figure out your exit plan but there's always something more urgent, this is worth a conversation before the decision gets made for you. Join us and Jason Curry at Built to Endure, our free event for business owners, Friday, September 18, 9am–2:30pm at the DoubleTree Hotel, downtown Little Rock. Register at getreadyforthefuture.com/endure.

Timestamps:
00:00 Intro
00:15 What's Happening: Tax-Free Social Security & IRA Withdrawal Strategy
06:00 8 Medicare Changes Coming in 2027
11:00 The #1 Mistake Derailing "Safe" Retirement Savings
16:00 Retiring at 59: Bridging the Health Insurance Gap to 65
20:30 The Get Ready for the Future Show Begins
21:00 Listener Question: How Do I Start a Business Succession Plan?
27:00 Jason Curry Joins: Author of Finish Empty
33:00 What "Finish Empty" Really Means (It's Not Burnout)
40:00 Built to Endure: Free Business Owner Summit, Sept. 18
48:00 Closing Thoughts on Legacy & Finishing Well

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#SuccessionPlanning #BusinessOwners #Medicare2027 #RetirementPlanning #FinishEmpty #SmallBusinessOwner #SocialSecurity #GenWealth

On this week's Get Ready for the Future Show: retirement headlines making the rounds, plus four listener questions.

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

Scott Inman and Teresa Arrigo open with What's Happening — a look at four retirement articles getting attention online, including whether moving really cuts retirement costs, how account titling can undermine a will, what living on the average Social Security check actually looks like, and AARP's list of costly 401(k)/IRA mistakes.

Then it's your questions on the Get Ready for the Future Show:
– Is a continuing care community worth the cost?
– How do you set up a special needs trust for a grandchild with autism?
– HELOC or refinance for a home renovation — which makes sense?
– Does a new grad with no dependents actually need life insurance?

If any of these hit close to home, this is worth a conversation before you decide on your own.

Timestamps:
00:00 Intro — this week's What's Happening headlines
0:45 Should you move in retirement to cut housing costs?
7:45 How account titling can undermine a will
14:30 Can you live on the average Social Security check?
19:15 AARP's costly 401(k) and IRA mistakes
22:25 Listener Q&A: Is a continuing care community worth the cost?
33:35 Setting up a special needs trust for a grandchild
39:45 HELOC or refinance for a home renovation?
45:15 Does a new grad need life insurance?
50:15 Final thoughts & how to reach us

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


#SocialSecurity #ContinuingCareCommunity #SpecialNeedsTrust #HELOCvsRefinance #LifeInsurance #401k #RetirementPlanning #GenWealth

This week: is the 4% rule still safe, getting ready for Medicare, forced Roth catch-up contributions, and where a $300 raise should go.

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

On this episode:
– Karen (66, just retired): Our advisor always talked about the 4% rule — how much can we actually safely pull from our accounts each year?
– Wanda (turning 65 in November): I keep hearing I need to "get ready for Medicare," but nobody's told me what that means. Where do I start?
– Nolan: My company is forcing some of my 401(k) catch-up contributions into Roth next year. Why, and what do I need to do differently?
– Chloe: I just got my first real raise, about $300 more a month. Should it go toward investing or something else?

We also cover this week's headlines: long-term care costs and the "great wealth transfer," six moves if you can't pay off your mortgage before you retire, rolling leftover 529 funds into a Roth IRA, and whether the 2027 Social Security COLA will actually keep up with rising costs.

Timestamps:
00:00 Long-Term Care Costs Threaten the Great Wealth Transfer
8:46 6 Moves If You Can't Pay Off Your Mortgage Before Retirement
14:48 Rolling Leftover 529 Funds Into a Roth IRA
19:47 Will the 2027 Social Security COLA Survive These 3 Costs?
22:15 How Much of Your Social Security Actually Gets Taxed
23:56 Karen's Question: How Much Can You Safely Withdraw in Retirement?
31:53 Wanda's Question: Getting Ready for Medicare at 65
36:43 Nolan's Question: The New Roth Catch-Up Contribution Rule
43:22 Chloe's Question: Where Should a $300 Raise Go First?
48:32 Final Thoughts and How to Get Started

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Helping people discover, protect, and share true financial independence.

🍿 Subscribe for weekly retirement answers:
📈 Talk with us about your retirement plan: call 866-653-PLAN or email info@getreadyforthefuture.com
🎙 Got a question for next week's show? Text or leave a voicemail at 501-381-5228, or email show@getreadyforthefuture.com

#RetirementWithdrawalRate #FourPercentRule #MedicareEnrollment #RothCatchUpContribution #SocialSecurityCOLA #RetirementIncomePlanning #GenWealthFinancialAdvisors #GetReadyForTheFutureShow

This week on The Get Ready for the Future Show: RMDs, widow's Social Security, Solo 401(k) vs. SEP, and debt payoff.

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

On this episode:
– Will my RMD push me into a higher tax bracket, and can charitable giving help? (Sharon, Hot Springs)
– How does Social Security work differently for a widow? (Judy, Cabot – Question of the Week)
– Solo 401(k) or SEP IRA for my small business? (Marissa, El Dorado)
– Debt snowball or avalanche for my credit card debt? (Miguel, via text)

Plus in this week's What's Happening segment: reacting to a viral claim that financial planning is a "scam," why break-even framing for Social Security claiming is misguided, filling the 12% tax bracket with a Roth conversion, and the Social Security trust fund's 2032 depletion date.

Timestamps:
00:00 Intro – Reacting to a viral "financial planning is a scam" claim
12:04 Filling the 12% tax bracket with a Roth conversion + the 2032 Social Security problem
22:55 This week's questions
23:24 Sharon: Can charitable giving offset my RMD?
30:00 Judy: Social Security as a widow (Question of the Week)
40:53 Marissa: Solo 401(k) vs. SEP IRA
45:00 Miguel: Debt snowball vs. avalanche
48:55 Final thoughts

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Subscribe for weekly retirement answers

Talk with us about your retirement plan: 866-653-PLAN or info@getreadyforthefuture.com

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


#RMD #QCD #SocialSecurity #RothConversion #RetirementPlanning #TaxPlanning #GenWealth

What happens if the person who's always handled the money suddenly can't anymore? This week on The Get Ready for the Future Show, we tackle a question a lot of couples are afraid to ask out loud: what if I have to take over? Plus three more questions from listeners:
• How much cash should you actually keep once you're living off your portfolio in retirement?
• A $50,000 bonus: should it go to your 401(k), your mortgage, or a brokerage account?
• Just started your first job with a 401(k) match? Here's how to pick your investments without overthinking it.

Real questions, answered in plain English. Subscribe for more straight talk about retirement, investments, and your money.

#retirementplanning #financialadvisor #socialsecurity #401k #financialindependence