Retire With Ryan

著者： Ryan R Morrissey
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  • If you’re 55 and older and thinking about retirement, then this is the only retirement podcast you need. From tax planning to managing your investment portfolio, we cover the issues you should be thinking about as you develop your financial plan for retirement. Your host, Ryan Morrissey, is a Fee-Only CERTIFIED FINANCIAL PLANNER TM who lives and breathes retirement planning. He’ll be bringing you stories and real life examples of how to set yourself up for a successful retirement.
    2020 Retirewithryan.com. All Rights Reserved
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あらすじ・解説

If you’re 55 and older and thinking about retirement, then this is the only retirement podcast you need. From tax planning to managing your investment portfolio, we cover the issues you should be thinking about as you develop your financial plan for retirement. Your host, Ryan Morrissey, is a Fee-Only CERTIFIED FINANCIAL PLANNER TM who lives and breathes retirement planning. He’ll be bringing you stories and real life examples of how to set yourself up for a successful retirement.
2020 Retirewithryan.com. All Rights Reserved
個人ファイナンス 経済学
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  • Six Tactical Moves for Navigating Down Markets, #249

    Six Tactical Moves for Navigating Down Markets, #249
    2025/04/15
    This time, we're featuring financial insights from co-host Ryan Morrissey, who's here to help you navigate this turbulent financial landscape. We'll explore the recent volatility sparked by President Trump's tariff announcements and discuss the remarkable market rebound that followed. Ryan also lays out six strategic moves you can make to optimize your investment strategy during these downturns, whether it's buying the dip, rebalancing your portfolio, or taking advantage of tax efficiencies. Stay tuned for valuable tactics and practical advice to bolster your financial well-being and prepare for a successful retirement. Let's get started with Retire with Ryan! You will want to hear this episode if you are interested in... [0:00] Suggested market strategies for navigating a down market [5:45] Invest early in Roth IRA, IRA, HSA, and 529 accounts to capitalize on market declines and potential growth. [6:46] Rebalance your portfolio regularly to maintain target allocation and capitalize on market shifts without overthinking decisions. [8:37] Set your savings up so you put a certain amount in every month to take advantage of dollar cost averaging. [9:01] Cut your losses and sell underperforming investments [10:41] How to take advantage of tax losses inside your taxable investment accounts [15:00] Consider replacing mutual funds with ETFs for better tax efficiency when the market is down for long-term benefits. Smart Investment Moves to Leverage Stock Market Declines Market volatility is not uncommon, but it can be nerve-wracking for investors. Yet, as seasoned investor Warren Buffett famously said, "Be fearful when others are greedy, and greedy when others are fearful." In times of market downturn, opportunities abound for those who know where to look. Here’s a breakdown of six strategic moves you can make to take advantage of a down market: 1. Buy the Dip When markets decline significantly, it presents a unique buying opportunity. This strategy involves purchasing stocks when their prices are lower than usual, positioning yourself to benefit when prices rebound. It’s important to remember that timing the market perfectly is nearly impossible, but by entering a 10% decline or more, you're likely to see gains as the market recovers. This can also be a great time to maximize your contributions to your IRA, Roth IRA, or HSA to take full advantage of the opportunity. 2. Rebalance Your Portfolio Portfolio rebalancing is crucial for maintaining your desired asset allocation, especially after market fluctuations. For instance, market dips might skew this balance if your target is a 60/40 stock-to-bond ratio. Rebalancing during market declines can ensure the original allocation is restored and takes advantage of lower stock prices. 3. Automate Your Investments Automating investments ensures consistent contributions to your portfolio, regardless of market conditions. Dollar-cost averaging mitigates the risks associated with market volatility. Whether through a 401(k), IRA, or other investment accounts, setting up automatic contributions allows you to buy into the market regularly without second-guessing the timing. 4. Sell Underperforming Investments Market downturns clarify which investments are not worth holding onto. If individual stocks or mutual funds consistently underperform, it may be time to cut losses and reinvest the capital into more promising assets. Clearing these underperformers cleans up your portfolio and allows you to focus on investments with better potential. 5. Harvest Tax Losses Down markets offer a chance to engage in tax-loss harvesting. Selling securities at a loss can offset taxable gains from other investments, reducing your tax liability. Additionally, you can claim up to $3,000 in capital losses against your ordinary income each year. When using this strategy, be mindful of the wash sale rule, which prohibits repurchasing the same or substantially identical security within 30 days to claim the tax loss. 6. Transition to Tax-Efficient Investments During a market downturn, re-evaluating your taxable investment accounts for tax efficiency can be advantageous. Mutual funds often distribute capital gains annually, potentially increasing your tax bill even if you haven't sold your shares. Consider exchanging mutual funds for exchange-traded funds (ETFs), which typically offer greater tax efficiency by limiting capital gains distributions to shareholders until shares are sold. While market downturns can be daunting, they provide excellent opportunities for investors to reshuffle their portfolios strategically. You can navigate market volatility and improve your financial health by buying the dip, rebalancing, automating investments, selling underperformers, harvesting tax losses, and transitioning to tax-efficient investments. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE Connect With ...
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    17 分
  • 4 Strategies to Avoid Tax Tsunami When Working Beyond 73 Years Old, #248

    4 Strategies to Avoid Tax Tsunami When Working Beyond 73 Years Old, #248
    2025/04/08

    As you get closer to the age of 73, it's more and more important to understand the financial strategies you can use to avoid a "tax tsunami" or "tax bomb."

    In this episode, I break down the basics of RMDs, explaining how they are calculated and the importance of planning ahead. You’ll want to make a note of these four key strategies to reduce your RMDs and ensure a smoother financial journey as you transition into retirement.

    From starting withdrawals before the age threshold to considering Roth conversions and qualified charitable distributions, we share practical insights to help you navigate these financial waters.

    You will want to hear this episode if you are interested in...

    • (0:00) How to avoid a huge tax burden if you plan to work beyond 73 years of age

    • (2:21) Please rate and review the Retire with Ryan podcast!

    • (3:59) RMDs start at age 73 unless working past that age with less than 10% company ownership

    • (9:02) Plan your IRA distributions considering tax implications

    • (11:52) Consider a Roth conversion by moving pre-tax retirement funds to a Roth IRA

    • (17:54) Use annuities for stable retirement income

    • (18:59) Investigate using a QLAC to reduce RMDs, manage taxes, and provide additional income in old age

    Resources Mentioned
    • Retirement Readiness Review
    • Subscribe to the Retire with Ryan YouTube Channel
    • Download my entire book for FREE
    Connect With Morrissey Wealth Management

    www.MorrisseyWealthManagement.com/contact

    Subscribe to Retire With Ryan
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    21 分
  • Can Elon Musk and Doge Take Away My Social Security Benefit? #247

    Can Elon Musk and Doge Take Away My Social Security Benefit? #247
    2025/04/01

    In this episode, I address listener concerns about the future of Social Security, especially given recent changes under President Trump's administration and the involvement of the Department of Government Efficiency (Doge).

    I’ll dive into the current state of Social Security, the potential impact on your benefits, and how you can maximize those benefits moving forward. With solvency concerns looming, I’ll help you better understand what’s at stake and how to make smart decisions for your retirement.

    You will want to hear this episode if you are interested in...
    • (0:00) Can Elon Musk and Doge Take Away My Social Security Benefit?
    • (1:33) Please rate and review the Retire with Ryan podcast!
    • (2:21) What is Doge and how it could impact Social Security
    • (3:55) The role of Congress in controlling Social Security
    • (5:38) What is the future of Social Security solvency?
    • (8:26) Why waiting to collect Social Security could increase your benefits
    • (10:20) The earnings limits when collecting Social Security early
    Resources Mentioned
    • Retirement Readiness Review
    • Subscribe to the Retire with Ryan YouTube Channel
    • Download my entire book for FREE
    Connect With Morrissey Wealth Management

    www.MorrisseyWealthManagement.com/contact

    Subscribe to Retire With Ryan
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    13 分

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