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Retire Confidently Podcast
What if it’s not too late? What if you truly can Retire Confidently? I’m Telton W Hall, Certified Financial Planner, and best selling author of The Secure Solution: Creating a High Quality Retirement in a Low Interest Rate World. My team and I have engaged in thousands of retirement planning sessions with middle and upper middle class Americans -people like you, with their own unique fears and families, their own messes and successes, and they have done just that – Retired Confidently. If you are willing to go with me, I can tell you how.
Episodes
80 episodes
Just Because You Can Change, Doesn't Mean You Will
Reasons People Don't Change:Lack of motivation. People may not be motivated to change their financial behavior because they don't see the need for change. They may be comfortable with their current financial situation,...
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19:07
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Tithing is All About Money OR Is It?
Here are some considerations about paying tithing during retirement:· Your income sources. In retirement, your income may come from a variety of sources, including Social Security, pensions, retirement sa...
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21:22
How have you paid tithing up to this point?
Whether or not to tithe on retirement funds is a personal decision. There is no right or wrong answer, and it is important to do what feels right for you.Some people believe that tithing is a way of showing gratitude to God for all that ...
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18:39
Are you aware of this retirement option?
Life insurance that can be transferred to an annuity is called a life insurance annuity. It is a type of life insurance policy that allows the policyholder to convert a portion of the death benefit into an annuity. The annuity will then pay out...
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10:35
Why are there so many different types of annuities?
This week we get a little nerdy. Who am I kidding. We get A LOT nerdy. We chat about fixed annuities vs. variable annuities.Fixed indexed annuitiesOffer a guaranteed minimum interest rate with the potential for addi...
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24:28
Does the amount of your Social Security increase once you begin to withdraw?
No. AND. Yes. No, your Social Security benefit will not go up once you begin to withdraw it. Your benefit is calculated based on your earnings history and your full retirement age. If you start taking benefits before your full re...
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14:50
Assumed IRA vs Inherited IRA
An assumed IRA is an IRA that has been inherited by a spouse. The spouse can treat the IRA as their own, and they can continue to make contributions to the IRA. They will also have to take required minimum distributions (RMDs) starting at age 7...
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14:04
History Never Repeats Itself, but it Does Often Rhyme
I'm amazed that as I read my wife's journal about 12 years ago, how much is similar to today. The economy is a complex system that is constantly changing. It is influenced by a variety of factors, including consumer spending, busi...
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19:38
What does a Bus Ride to Wyoming have to do with YOUR retirement?
An in-service 401(k) rollover is the transfer of your 401(k) assets from your current employer's plan to an IRA or another 401(k) plan while you are still employed. This is different from a traditional 401(k) rollover, which happens when you le...
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18:30
Wait...Where are the boys?!
Heaven is often thought of as a place of eternal bliss, where people are free from pain and suffering. However, there is another way to think about heaven: as a state of being, rather than a place. This means heaven can be something that we can...
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9:25
Do You Celebrate Success?
There are many ways to celebrate success. Here are a few ideas:· Take some time for yourself. After working hard towards a goal, it's important to take some time to relax and recharge. This could mean taking a d...
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17:50
What could go right?
Investing in oneself is a crucial aspect of personal development, growth, and success. Here are some ways you can invest in yourself:Learning: Invest in your education by taking courses, attending workshops, and reading books...
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24:47
Failure is the Greatest Feedback
We work to plan our lives out, think we know how it will all end up. But what about when it doesn't. What next? For the Orton's it was a mini-retirement.A MINI RETIREMENT?!A mini-retirement is a temporary break from work ...
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22:07
Parents are the Nucleus of the Family - Orton's Pt 1
Erik and Emily Orton went from broke to bootstrapping life aboard a sailboat in the Caribbean for a year with their five children. They are the authors of the New York Times Top 10 Travel Book Seven at Sea. They teach, write and speak about how...
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24:21
There's No Chicken in Chicken Fried Steak
Just because we repeat something over and over doesn't make it true. Similarly, just because someone believes something to be true, that also doesn't make it true.Enter the confusion around the Personal Residence Exclusi...
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13:13
Rules of the Roth IRA
Eligibility: You can contribute to a Roth IRA if you have earned income and your modified adjusted gross income (MAGI) is within the limits set by the IRS. For 2022, the contribution limit is $6,000 for those under 50, and $7,000 for those...
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16:55
The Saver's Tax Credit
The Saver's Tax Credit is referred to in IRS tax forms as the “Credit for Qualified Retirement Savings Contributions.” This non-refundable credit may be helpful if matched-savings plans, such as Individual Development Accounts (IDAs), are not a...
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11:13
The First Rule of Daydreaming...
There are NO RULES!Problems in your life could be solved by daydreamingProblems in our society could be overcome by daydreamingThe first rule of daydreaming there are no rules.So often what stands in your way is you....
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16:47
2022 was not a fun year, it was a growth year
Getting reflective about the year 2022. Markets were down. My father passed away. Many events will be touchstones for the rest of my life.Life gives us the opportunity to get better, grow stronger, see new perspectives…but it doesn’t alw...
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18:56
Why did you do that?!
Growing up in a small town I had my share of “learning experiences” One such experience came about when my friend “Bodie” said we drive to the nearby town to where the road is inclined and drive my Chrysler Plymouth of a “jump” – Luckily I live...
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13:37
It's easy to make a misstep when it comes to taxes
Most of the benefits from the Tax Cuts and Jobs Act of 2017 will expire in 2025. What is your plan to take advantage of these benefits? Did your eyes just gloss over from not understanding what we are talking about? It’s ok that you...
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18:02
The Tale of 3 Widows - Sometimes I wanna strangle life
What are you putting into place right now should your spouses life come to an end?The "Difference-maker" is having a support network of people who can speak objectively into your life and have professional sense to what they are speakin...
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14:40
The Tale of 3 Widows - Permission to laugh
Loss of a loved one is hard. Add to that loss any sort of stress or catastrophe and loss and grief can be exacerbated to a near debilitating level. UNLESS. You can laugh. The emotional intelligence to be able to laugh one minute and cry the nex...
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10:25
The Tale of 3 Widows - Families, Finances, and Funerals
Karen was divorced and then remarried to Dax. Her 2nd husbands kids were estranged but she felt like she needed to help keep the kids informed. NOT EASY. But the right thing to do. She stepped in where she felt she good and from the fruits of h...
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13:35