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

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

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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:

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Connect with Pete Belcastro: 

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The Five Worlds of Money in Retirement (Ep. 83)

The Five Worlds of Money in Retirement (Ep. 83)

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Are you prepared for the five worlds of money in retirement? 

In this episode of “Relax, It’s Retirement,” Josh Leonard explores the distinct but interconnected areas crucial to a successful retirement plan. He dives into income planning, investment strategies, the importance of health and legacy planning, and of course, those pesky taxes. With real-life examples and practical tips, Josh provides insights on making the most of your social security, planning for long-term care, and optimizing your tax scenarios. He debunks myths about social security and explores ways to ensure your financial future is secure and well-planned.

Josh discusses: 

  • Income planning essentials and pension options
  • Navigating social security concerns and strategies
  • Investment planning for a long, confident retirement
  • Crafting an efficient legacy plan
  • Health planning and managing long-term care costs
  • Tax planning and the benefits of Roth conversions
  • And more

Resources:

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Seven Steps to Successful Retirement
Seven Steps to Successful Retirement (Ep. 36)

Seven Steps to Successful Retirement (Ep. 36)

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Is your retirement plan set for a successful future? When was the last time you reviewed your plan and ensured it has been adapted for any life-changing events?

Discover the seven key steps for achieving a fulfilling retirement with Josh Leonard. He touches on everything from crafting a budget and merging accounts to making savvy choices regarding health insurance and maximizing entitlements.

Josh discusses: 

  • What is the first step in building a successful retirement plan
  • When should you start tax planning for retirement
  • Why is understanding Social Security important for retirement
  • How do you approach legacy planning
  • And more

Resources:

Connect with Josh Leonard: 

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Leaving a Legacy Through Audio Memoirs with Daniel Powell (Ep. 6)

Leaving a Legacy Through Audio Memoirs with Daniel Powell (Ep. 6)

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Do you ever wonder about how people will think of you or remember you once you have passed away? Is it important for you to leave behind a story or personal anecdote that you feel defines your life? 

In this episode, Daniel Powell from Liminal Legacy Media is here to talk about legacy planning and the different ways you can create this legacy that can be shared for years to come. From creating an audio memoir to offering your family the expertise that you have perfected in your lifetime, it is time to start thinking about what you might want to leave behind for your family to remember you by. 

Daniel discusses: 

  • What an audio memoir entails and the value of capturing one as part of your total legacy plan
  • What a legacy plan looks like beyond just finances 
  • The ideal age to start recording audio memoirs
  • How you can leave a positive mark on your family through the years of experience you have to offer 
  • And more

Resources:

Connect with Daniel Powell:

Connect with Josh Leonard: 

About our Guest: 

Daniel Powell is an audio producer and storyteller based in Fort Collins, Colorado. He’s the founder and owner of Liminal Legacy Media, a business that partners with individuals entering their golden years. He works with his clients to capture their life stories, share their legacy with loved ones, and of course, preserve those tales for the life of generations to come.

What he does with a client is he works to create an immersive audio memoir focused on their life experience. The audio memoir is a documentary centered on their life experiences. These productions don’t just explain your story to loved ones, but it helps immerse them in your experience and gives you a unique firsthand insight into their lives.

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A Father & Son Legacy: Meet the Leonards (Ep. 1)

A Father & Son Legacy: Meet the Leonards (Ep. 1)

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Retirement may pose many questions, but you can make the most of this next chapter of your life by preparing for it intentionally. 

And you’re in the right place if you’re wondering how. 

Introducing the Hello Retirement podcast with Josh Leonard.

In this inaugural episode, Josh Leonard is joined by the father of the Leonard Advisory Group, Bill Leonard who also happens to be his father and real-life mentor during his shift to the financial services industry. 

Bill and Josh share: 

  • Stories of how each of them started in the financial industry
  • What their business philosophy is 
  • How they integrate teaching in their client community 
  • Leonard Advisory Group’s five areas of personalized retirement planning
  • And more!

Resources:

Connect with Josh Leonard: 

About our Guest:

William Leonard founded Leonard Advisory Group to fill in the gaps he saw when helping his mother plan for retirement. Bill focused much of his career on the insurance and annuity industry. As an independent advisor, he helped thousands of retirees and pre-retirees face the financial challenges that lie ahead with confidence. Since 1996, Bill has worked in a variety of capacities, gaining valuable experience with insurance. In 2007, he became an independent consultant, focusing on income protection and retirement planning. Bill was an honorary host of the “Protecting Your Profits” radio show on 94.5 3WS Pittsburgh and a weekly guest on the national broadcast “Financial Safari” radio show heard locally on NewsTalk 104.7 FM. He has also been featured on WISR 680 AM and WORD FM. In his free time, Bill enjoys traveling, boating, skiing, hiking, biking, restoring antique vehicles, and spending quality time with family, friends, and clients. He has been married to his wife, Cindy, for almost 40 years. They have three children: Zach, Josh, and Zoey, as well as a crazy border collie named Sweep. After over 25 years assisting families transition into retirement Bill is excited to transition himself into retirement at the end of 2022.



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