Financial Freedom Podcast

People turning 65 have a lot of important decisions to make. Do they apply for Social Security, or do they wait until they're older? When do they apply for Medicare, what are the differences between A, B, C, and D, and which ones are right for them?
To answer these questions, I talked with Retirement Management Advisor Marcia Mantell to provide some guidance to those having to make those decisions.
In this episode you will learn:
When to start the Social Security and Medicare application process — and why missing the window can cost you
The most common and costly mistakes people make when applying, and how to avoid them
How to decide when to claim Social Security, including the real trade-offs between claiming early and waiting
How Medicare enrollment works — Parts A, B, C, and D — and what the timeline actually looks like
What happens if you miss a Medicare deadline, and whether the penalties are as serious as people fear
How Social Security works for married couples and what strategies exist to maximize lifetime benefits for both spouses
What to do if you've already claimed and wonder if you made the wrong call

For many people, saving for retirement and living in retirement means hoping that the money lasts. Their goal is not to outlive their money. But for others, building a legacy to pass on is what's important.
That's why in this episode of the podcast I talk with Certified Financial Planner Chad Taylor on how to create a family wealth legacy to pass on to the next generation.
In this episode you will learn:
Where legacy planning actually starts
Why waiting until retirement or estate planning is too late
The most common ways families accidentally destroy wealth between generations
What families who successfully transfer wealth to the next generation do differently
The key estate planning documents and structures that make the biggest difference for families getting serious about legacy

One key to retirement savings and living in retirement that is not addressed by most people is tax planning. You want not only to minimize taxes in your retirement income, but in the savings you put aside during your working life.
That's why in this episode of the podcast I talked with Alan Porter, a Certified Financial Fiduciary and Certified Tax & Business Advisor, to give you the answers you need to succeed.
In this episode you will learn:
What you can do while saving for retirement to ensure it will be tax free
What you can do in retirement to minimize or eliminate taxes
How you can reduce healthcare costs

Most people know that there is some risk to investing and retirement planning. In fact, "Risk Tolerance" for the investor is a key factor in deciding where to put your money. But most people don't know that there are non-financial risks as well.
That's why in this episode of the podcast I talk with Chris Maduri about what those risks are and how you can avoid them to ensure a comfortable retirement.
In this episode you will learn:
How having a purpose once you stop working is key
Why connecting with people outside of work is important
Why establishing an identity not connected to your job keeps you centered
Practical ways to prepare for retirement psychologically, not just financially

Diversity in your investments and savings for retirement (and your efforts to achieve long term financial freedom) is very important. It's key to minimizing risk and maximizing return. Lately, precious metals, as an investment, has become a topic of discussion.
To find out whether you should do it, and if so, how to go about it, I talked with Kristen Nagle about how she helps folks to get started in this market.
In this episode you will learn:
Whether you should invest in precious metals
How to get started
What portion of your portfolio should be in precious metals