Planning for retirement is, at its core, about creating a reliable income plan. In order to enjoy the retirement you’ve dreamed of, you need to have a clear plan for covering your day-to-day expenses. In this episode, Mark will break down some of the key aspects of income planning for your retirement.

Here’s some of what we discuss in this episode:

• Adjusting your perspective on planning so you don’t outlive your money
• How Social Security is like a fine wine
• Don’t assume that bonds will be a primary source of retirement income
• Making sure that you are taking inflation into account

Want to get in touch with Mark?

https://retirementhuddle.com/
mark@howardfinancialgroup.com
888-511-7526

Arnold Schwarzenegger is known for his accomplishments in bodybuilding, acting, and politics, but his quotes offer more than just entertainment. They can provide a unique perspective on financial planning, especially when it comes to retirement.

In this episode, Mark Howard explores how the mindset of a champion can be applied to the world of finance. From visualizing success to marching to the beat of your own drum, Arnold's words offer a fresh take on achieving financial clarity and confidence.

Here’s some of what we discuss in this episode:

• How investing when you’re younger differs greatly from investing as you get near retirement.
• Using visualization as a tool to help achieve your retirement goals.
• In certain situations, you don’t always want to be going in the same direction as everyone else.
• The value of being consistent and intentional in building your wealth.

Want to get in touch with Mark?

https://retirementhuddle.com/
mark@howardfinancialgroup.com
888-511-7526

Whether you're considering downsizing now that the kids have moved out or weighing the benefits of paying off your mortgage, today's episode dives into how you can make informed, strategic decisions about your home that align with your broader retirement goals.

As life changes and your household shrinks, many homeowners find themselves in large houses with more space than they need. While downsizing can free up financial resources and reduce the burden of upkeep, it also presents unique challenges—especially in a market with fluctuating interest rates and rising housing costs. Mark shares insightful, real-life examples of clients who have navigated decisions like these.

Here’s some of what we discuss in this episode:

• Whether or not to downsize, considering today’s market.
• Paying off your mortgage early or keeping as is.
• Purchasing a vacation home or rental home.
• Relocating and considering potential long-term care needs.

Want to get in touch with Mark?

https://retirementhuddle.com/
mark@howardfinancialgroup.com
888-511-7526

When it comes to financial planning and saving for retirement, there’s a lot to know! For instance, what scares people the most about the idea of retiring? Not knowing if they have enough money to last them! Mark explains that this fear, known as longevity risk, can be mitigated through proper planning. By building a mathematical plan, you can ensure that you won’t run out of money before you run out of breath.

As we go through our multiple-choice quiz, Mark shares more of his insight and expertise regarding common fears and concerns retirees often have. Find out if you answer the quiz the same way Mark does and learn more about how you can be mindful and strategic about your financial future.

Here’s some of what we discuss in this episode:

• What scares people most about retirement?
• What tax bracket do most people find themselves in during retirement?
• How much money does the average person need?
• What do people wish they did more of financially?
• What happens in the first financial planning meeting?

Want to get in touch with Mark?

https://retirementhuddle.com/
mark@howardfinancialgroup.com
888-511-7526

We all make mistakes, but when it comes to investing, these errors can feel particularly daunting. Today, we delve into practical strategies to not only recover from investment mistakes but also to build a robust financial plan for the future. Tune in to see what you can learn from Mark today!

Here’s some of what we discuss in this episode:

• Identifying what causes a mistake.
• Increasing your savings rate.
• Recalibrating your goals.
• Building a comprehensive retirement plan.

Want to get in touch with Mark?

https://retirementhuddle.com/
mark@howardfinancialgroup.com
888-511-7526

When it comes to retirement planning, financial advisors can be a huge asset as you work towards the next chapter of life. But that doesn’t mean every relationship with an advisor is perfect. In this episode, dive into the most common complaints people have about their financial advisors.

Here’s some of what we discuss in this episode:

• Making sure that you and your advisor are on the same page when it comes to risk tolerance.
• Ensuring that the fees you pay are worth the service you get.
• How we help our clients realize their goals and timelines.
• Know whether you are working with an advisor or a broker.

Want to get in touch with Mark?

https://retirementhuddle.com/
mark@howardfinancialgroup.com
888-511-7526

Retirement is often compared to a marathon, and for good reason. Just like marathon training, retirement planning requires meticulous preparation, a diversified strategy, and a clear understanding of your goals. In today’s episode, we’ll explore the parallels between these two long-term endeavors and offer valuable insights on how to ensure a successful retirement.

Here’s some of what we discuss in this episode:

• Paying extra attention to your portfolio in the years leading up to retirement.
• Avoiding overspending in the early years of retirement.
• Learning from and minimizing mistakes.
• Leaving nothing to chance.

Want to get in touch with Mark?

https://retirementhuddle.com/
mark@howardfinancialgroup.com
888-511-7526

Join Mark as he draws the parallels between popular quotes you might have heard your grandmother say and the financial decisions that need to be made during the planning process.

This episode offers valuable insights into how age-old wisdom can apply to modern financial planning. By understanding and applying these timeless sayings, you can navigate market volatility, balance certainty and uncertainty, diversify your investments, seek accurate information, and avoid unnecessary stress.

Here’s some of what we discuss in this episode:

• Why the market reacts the way it does.
• Balancing certainty and uncertainty.
• Diversifying your investments to protect your portfolio.
• Knowing what you are paying in hidden fees.

Want to get in touch with Mark?

https://retirementhuddle.com/
mark@howardfinancialgroup.com
888-511-7526