Tag: Annuities
Retire with Intent: The True Intent Planning System™ Explained (Ep. 96)

Retire with Intent: The True Intent Planning System™ Explained (Ep. 96)

By |

Retirement isn’t just an end, it’s the beginning of everything you’ve always wanted to do. 

What if you could approach this next chapter with purpose and confidence, not just hope? 

In this episode, Josh Leonard breaks down the True Intent Planning System™ and its five pillars for a purposeful retirement. He emphasizes the importance of planning for income, investments, taxes, healthcare, and estate matters, and discusses real-life stories and practical tips for retirees.

Josh discusses:

  • Optimizing income streams in retirement, including Social Security, pensions, annuities, and bridging any income gaps
  • Structuring investments to match retirement goals, manage risk, and address potential tax issues from withdrawals
  • Tax planning strategies, including the benefits of tax diversification, Roth conversions, and minimizing tax burdens for future generations
  • Health care planning, from managing costs pre- and post-Medicare to long-term care considerations and annual prescription reviews
  • The importance of estate planning, updating wills, powers of attorney, and using vehicles like 529 plans for generational wealth and education funding
  • And more!

Resources:

Connect with Josh Leonard: 

Podcast: Play in new window | Download | Embed

Subscribe: RSS | More
The Diversification Dilemma: Are Your Investments Really Safe? (Ep. 85)

The Diversification Dilemma: Are Your Investments Really Safe? (Ep. 85)

By |

Diversification isn’t just a buzzword—it’s a critical tool for protecting your retirement savings and future security.

This week, Josh Leonard and Pete Belcastro tackle common misconceptions about diversification and share actionable insights on creating a retirement plan that minimizes risk and maximizes opportunities. From portfolio strategies to tax diversification and financial tools, this episode has everything you need to feel confident about your golden years.

Josh and Pete discuss:

  • Why holding accounts at different firms doesn’t guarantee diversification and how to avoid overlapping investments
  • How to spread investments across sectors, regions, and company sizes to minimize risks
  • The importance of tax diversification through tools like Roth IRAs and taxable accounts for greater financial flexibility
  • How annuities, life insurance, and other financial tools can secure income and simplify legacy planning
  • Strategies to avoid over-concentration in employer-linked investments and protect both your career and portfolio
  • And more!

Resources:

Connect with Josh Leonard: 

Connect with Pete Belcastro: 

Podcast: Play in new window | Download | Embed

Subscribe: RSS | More
Putting Time on Your Side in Retirement (Ep. 68)

Putting Time on Your Side in Retirement (Ep. 68)

By |

Time can still be on your side even in retirement!

In this episode, Josh dives into the fascinating dynamics of time and retirement planning. You’ll learn how to maximize your retirement years by leveraging the power of compounding interest, making strategic investment decisions, and using financial tools like annuities and HSAs to ensure your money lasts. Join us as we explore practical strategies to make the most of this new chapter in your life.

Josh discusses: 

  • 03:28) The importance and impact of time and compounding interest in retirement
  • (06:07) How to manage finances effectively with Cash, Income, and Growth Buckets
  • (09:18) Utilizing financial tools like HSAs and annuities to maximize benefits
  • (16:57) Adapting to market volatility without making hasty decisions
  • (21:18) Making the most of your newfound time, hobbies, family time, and volunteering
  • And more

Resources:

Connect with Josh Leonard: 

Podcast: Play in new window | Download | Embed

Subscribe: RSS | More