There are plenty of decisions that you'll make in the retirement planning process that can't be undone so you want to make sure that you make the right call On this episode we'll explain why these decisions are so important and can't be undone Here's some of what you'll learn on this episode Why claiming Social Security at isn't always the right decision What's important to know about spousal benefits on a pension Reasons for getting life insurance and why you should decide soon Choosing the appropriate retirement date can keep you from having to go back to work Connect [... more]

Hans and Robby are back again this week with a brand new episode This week Hans and Robby discuss using life insurance as a tax shelter Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com Find us on YouTube Cardinal Advisors [... more]

Ethen Peck Are there real evil forces with all we are seeing Exposing that woke corporations are empty souls that are like our nation supposed to follow the will of the Shareholders and the Board is elected by these stockholders Yet woke corporations are ignoring the shareholders and are acting as state actors without the constitutional restraints Tim Schoeff www cgrwellness com discusses the detox protocol as the basis to begin your journey to good health and is a necessary part of maintaining a healthy life VIBE LifeCleanse Muscle Aide and Chlorophyll Plus use chosengenradio for a discount on orders [... more]

Hans and Robby are back again this week with a brand new episode This week's show is all about Estate Tax Hans and Robby go over the details you need to help get your house in order Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com Find us on YouTube Cardinal Advisors [... more]

Real estate not only can give you an income stream it almost always appreciates in value So is there an easy way to invest in it without becoming a landlord On today's MoneyWise Live Rob West will talk about a hands free way to invest in real estate Then he'll answer your calls and financial questions See omnystudio com listener for privacy information [... more]

See omnystudio com listener for privacy information [... more]

See omnystudio com listener for privacy information [... more]

Hans and Robby are back again this week with a brand new episode This week Hans and Robby cover retiree income tax Everything said in this episode is on a need to know basis but you're in luck cause you need to know this information Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com Find us on YouTube Cardinal Advisors [... more]

Hans and Robby discuss tax-free retirement savings and the three different tax characterizations or situations your money might be in including a taxable account a tax deferred account or a tax-free account Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com Find us on YouTube Cardinal Advisors [... more]

Scripture records that women were among the first supporters of Jesus' ministry So what can Christian women learn today from the example of those believers in the New Testament On today's MoneyWise Live host Rob West welcomes Sharon Epps to talk about women and generosity Then Rob will answer various financial questions from a biblical perspective See omnystudio com listener for privacy information [... more]

Hans and Robby discuss the Build Back Better Bill what you need to know and how it might affect you if the bill is passed Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com Find us on YouTube Cardinal Advisors [... more]

This week we're talking the seventh worry standard deductions on income taxes Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com Find us on YouTube Cardinal Advisors [... more]

Begin with the end in mind Hans and Robby go over the difficult but necessary topic of life insurance for retirees Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com [... more]

Senator Joe Manchin WV has caved Senate Majority Leader Schumer is clear to move forward in the Federal takeover of elections H R the For the People Act strikes at the heart of American democracy and will only serve to magnify everything that went wrong in the election Sen Manchin has just proposed a new bill that encompasses the worst aspects of H R Jay and the rest of the Sekulow team discuss the latest on this developing story in the Senate We are also joined ACLJ Senior Counsel for Global Affairs former Secretary of State Mike Pompeo In addition [... more]

A key finding from recent studies on people rsquo s savings habits reveals that how much money you save has little to do with the amount of money you earn On the next MoneyWise Live host Rob West talks about why some people despite their income level are successful at saving money while others find it more of a challenge to save Then he rsquo ll answer your financial questions from a biblical perspective That rsquo s on MoneyWise Live where biblical wisdom meets today rsquo s finances weekdays at pm Eastern pm Central on Moody Radio [... more]

Hans and Robby go over the Social Security benefits for widows and widowers and how these benefits might fall short in retirement Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com [... more]

In Proverbs Solomon writes ldquo A good name is more desirable than great riches hellip rdquo And in today rsquo s financial world having a ldquo good name rdquo means having a good credit score On the next MoneyWise Live hosts Rob West and Steve Moore share some ways you can improve your credit and after some time your financial horizons Then they rsquo ll answer your financial questions from a biblical perspective How to build your credit on the next MoneyWise Live at pm Eastern pm Central on Moody Radio [... more]

Pride is often first in the list of seven deadly sins It puts us above God and leads to spiritual disaster And pride not only destroys our relationship with God and others but it can also wreak havoc on our finances On the next MoneyWise Live hosts Rob West and Steve Moore explain how pride can negatively affect the way we manage our money How to avoid pride rsquo s pitfalls on the next MoneyWise Live at pm Eastern pm Central on Moody Radio [... more]

We all know the Commandments but did you realize there are at least more about managing money They may not be spelled out in a list but they rsquo re definitely found in God rsquo s Word On the next MoneyWise Live hosts Rob West and Steve Moore talk with financial expert Ron Blue to find out what they are and why we should follow them It rsquo s Commandments for money on the next MoneyWise Live at pm Eastern pm Central on Moody Radio [... more]

The purpose of your IRA should be to create retirement income For many they view it as a vehicle to leave an inheritance to their children Hans goes over why this might not be a good idea and examples of what you could do instead Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free [... more]

No matter how hard you try at the end of every month does it always feel like you have more month than money left Is there anything you can do to save more and make your money work for you On the next MoneyWise Live hosts Rob West and Steve Moore share money saving tricks you won rsquo t want to miss Savings that add up quickly on the next MoneyWise Live at pm Eastern pm Central on Moody Radio nbsp [... more]

An annuity is equal or increased payments over a period of time Social Security is a lifetime annuity for you Hans and Robby explain what this means how to use it and what you might want to consider for your other income Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com [... more]

This week Hans and Robby discuss plans coming together specifically how having a plan for your income in retirement can reduce the tax you pay on your Social Security benefit While only states charge income tax on Social Security the federal government will charge everyone who falls into their set threshold Hans goes over these thresholds If all you have to live off of is Social Security you won't pay taxes It is when you throw other income in there that it can be complicated Don't forget to get your copy of The Complete Cardinal Guide to Planning for and [... more]

A lot of people have a bias against life insurance but as Hans says you need to look at the actual facts Hans and Robby go over term vs whole life insurance and the myths surrounding both of these They also discuss hybrid long term care insurance and the living benefits that come with it There are even living benefits to whole life insurance if you utilize it right that will provide tax-free income in retirement Life insurance can be abused but that is not a reason to be scared of it Don't forget to get your copy of The [... more]

A whistleblower from an investment firm owned by the LDS Church revealed in December that there is billion in cash and short-term investment accounts Bill McKeever and Eric Johnson take a closer look and give their ideas about this money Check out Eric's perspective as well at https www mrm org what-about-the- -billion [... more]

A whistleblower from an investment firm owned by the LDS Church revealed in December that there is billion in cash and short-term investment accounts Bill McKeever and Eric Johnson take a closer look and give their ideas about this money Check out Eric's perspective as well at https www mrm org what-about-the- -billion [... more]

Robby and Hans talk all about Social Security spousal benefits this week If you have ever been married or will ever be married spousal benefits will really matter in retirement especially for your family Hans goes over all the misconceptions that people have about spousal benefits such as benefits for divorcees and widows benefit amount for spouses and what is the right age to take your check Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by [... more]

Did you know Social Security can be taxed Robby didn't Hans and Robby talk all about taxes Social Security and what you can do to either stop or lower these taxes Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com [... more]

Ever meet someone who has so much knowledge that they end up sounding like a windbag Hans and Robby discuss how some consumer activists in the financial industry talk about life insurance and what they get wrong this week on Finishing Well Life insurance sometimes gets a bad rap - it is too expensive or a bad investment or you don't need it once you retire Hans goes over where he agrees with these people like about term insurance and where he disagrees People need life insurance in retirement What is your family going to do when you die This [... more]

You cannot hide from taxes they will catch up with you eventually Some people push it off and decide they don't want to pay them until later or even pass them onto their children If you take taxes head on ask for advice and put strategies into action for you individual situation it can end up saving you money in the long run Hans and Robby start out talking about how low the tax rates currently are Hans suggests for many of his clients that it is advantageous to pay more tax this year to pay less taxes in the [... more]

Isaiah - says the seven anointings of the Holy Spirit are wisdom understanding council might knowledge fear of the Lord delight in the fear of the Lord Robbie believes Hans reflects these virtues through his dedication to advising his clients well by staying up-to-date on the retirement industry and adhering to Christian standards This week Hans and Robbie want to keep listeners up-to-date with the SECURE Act and how it will change taxes in retirement Before continuing Hans asks listeners to take a moment and pray for Tom Griffith one of Cardinal's advisors and a regular guest on the show [... more]

In the Sermon on the Mount Jesus said Blessed are the poor in spirit for theirs is the kingdom of heaven Robby points out that we should recognize that we are poor in spirit when deciding when to take our Social Security and ask for help Bloomberg recently published an article titled American's lose trillions claiming Social Security at the wrong time Hans agrees that generally people start their Social Security too soon usually because they did not ask for help People who delay Social Security can live off their IRAs or take another job if they don't want to [... more]

This tax season returns might look very different for a lot of Americans This week Hans and Robby talk about what differences people and older might see Social Security is the biggest difference for people in this age bracket If your only income is Social Security you will pay no income taxes on this money If your other taxable income is small you will pay some tax on that income but still none on your Social Security benefit Only when you reach higher levels of other income does your Social Security benefit become taxable It is important to note that [... more]

Many savers have no idea that their plan may be based on flawed assumptions The market always goes up Taxes will be lower in retirement I should claim Social Security at all may be commonly held beliefs in the financial world but can you depend on these statements being true for you Would you bet your financial security on it Tune in as Peter Amber examine some common planning myths misconceptions and mistakes [... more]

In Ecclesiastes it says To everything there is a season Retirement is a season in life that is full of change including your taxes Taxes are different in retirement there is Social Security Medicare IRA withdrawals and for some work income Prosperity can come in your season of retirement from not having the tax burden you had while you were working The only way to reach this prosperity though is to plan for it before this season hits Hans discusses a client who retired when he was years old After retiring he started to withdraw money out of his traditional [... more]

What is the ultimate finishing well This week on Finishing Well Hans and Robby are discussing taxes and what you need to do before the end of the year Even God rested on the seventh day and you can rest at the end of the year knowing this is all taken care of RMDs from your IRAs have to be done by December st for this year If you have put it off you need to get it on it ASAP as it can take days or weeks to get these distributions Even if you do not have RMDs currently [... more]

Ecclesiastes says There is a time for everything and a season for every activity under the heavens Everyone knows about tax season but it is important to look at your finances and taxes every season not just in the spring every year This week Hans and Robby discusses more in-depth topics regarding axes including QCDs capital gains taxes itemization and more They even answer a listen question on air Taxes affect every aspect in retirement You have to look at all of this in order to finish well You don't want to leave your family a huge tax burden when [... more]

Jim Dischert founder of Financial Group in Chicago joins John to talk about the many different facets of retirement planning [... more]