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Retirement and income planning in a fast paced format. Kevin has focused on helping investors age 50+ preserve and grow their assets, increase their income, and reduce overall income and estate taxes. Many conservative investors have used his advice to invest their savings prudently and transfer more wealth to their heirs efficiently. Visit silverleaffinancial.com for more information.
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In this conversation, Kevin Brucher and Steve Sedahl discuss common retirement blunders and provide suggestions on how to avoid them. They cover topics such as trying to beat the market, keeping money in cash, lack of diversification, feeling trapped by real estate, and not spending savings. They also touch on the importance of timing when claiming…
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In this episode of Cruising Through Retirement, Kevin Brucher discusses financial planning strategies for retirement using golf analogies. He emphasizes the importance of avoiding hazards such as inflation and taxes, and the need to manage emotions and learn from past mistakes. Kevin also touches on topics like early retirement, retirement age, and…
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In this episode, Kevin Brucher exposes the dangers of financial advice on social media and highlights the importance of financial literacy. He discusses the performance of the S&P 500 and emphasizes the need for individuals to plan for retirement. Kevin challenges misleading information about 401(k)s and encourages listeners to seek advice from rep…
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In this episode, Kevin Brucher discusses the recent Federal Reserve meeting and its impact on the economy. He explains how interest rates affect inflation and the overall strength of the US economy. Kevin also explores the 4% rule in retirement planning and the concept of sequence risk. He highlights proposed cuts to Social Security and Medicare, a…
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Kevin Brucher discusses important considerations before retiring early. He emphasizes the importance of achieving debt-free status and finding honest mechanics to avoid unnecessary expenses. Kevin also highlights the need to understand risk tolerance and diversify investment portfolios. He cautions against early withdrawals from retirement accounts…
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On this episode, Kevin Brucher discusses various signs that indicate a person may not be able to retire successfully. He starts by talking about the risks associated with investing in certain stocks, such as New York Community Bank. He emphasizes the importance of FDIC insurance and advises against keeping large amounts of money in one bank. Kevin …
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In this episode, Kevin Brucher discusses the best way to clarify your retirement saving strategy. He explains the differences between Roth IRAs and Roth 401(k)s, emphasizing the benefits of tax-free income in retirement. Kevin also highlights the importance of long-term growth and tax planning when choosing between Roth and traditional accounts. He…
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Kevin Brooker discusses various topics related to retirement planning and taxation. He starts by talking about the stock market and investing, particularly in high-flying stocks and the potential of artificial intelligence. He emphasizes the importance of long-term investing and the need to be comfortable with market volatility. Kevin also highligh…
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In this episode, Kevin Brucher discusses the importance of estate planning and highlights the You Earned It, You Keep It bill, which aims to repeal the federal tax on Social Security benefits. He emphasizes the need to update beneficiary designations and provides insights into managing online accounts. Kevin also stresses the significance of tax pl…
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In this episode, Kevin Brucher discusses important topics related to retirement planning. He starts by highlighting a bill called the 'You Earned, You Keep It Act' that aims to repeal the federal tax on Social Security benefits and eliminate the cap on the payroll tax. Kevin emphasizes the need for individuals to support this bill and reach out to …
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In this episode, Kevin Brucher discusses the correlation between football and retirement planning. He emphasizes the importance of the red zone in retirement planning, which refers to the five to ten years before retirement. Kevin advises diversification as a defensive strategy and highlights the significance of sequence risk in retirement. He also…
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The conversation explores the evolution of retirement planning and the need to adapt to the changing landscape. Kevin Brucher emphasizes the importance of recognizing the shift from traditional pensions to personal savings and the need to replace the income previously provided by pensions. The discussion also highlights the risks of relying solely …
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In this episode, Kevin Brucher discusses the un-bucket list for retirement, which includes avoiding financial planning mistakes, dealing with loneliness, working part-time, and planning for different stages of retirement. He emphasizes the importance of creating a detailed financial plan, considering individual circumstances and lifestyle preferenc…
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A big week in crypto currency. The SEC approved rule changes that will allow the creation of bitcoin exchange traded funds. Eleven of them in all. Kevin Brucher weighs in and offers some thoughts on what it could mean for the average investor heading into retirement. He also talks a bit about New Year's resolutions. Call 800-975-6717. Visit Silver …
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What lies ahead in the financial world in 2024? No one knows for sure but Kevin Brucher is happy to talk about the year ahead and how things could play out. From retiring early to annuities Kevin digs into all and how it could impact retirement planning. To learn more call 800-975-6717. Visit Silver Leaf Financial to learn more. See omnystudio.com/…
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A successful retirement plan has multiple income streams. There are plenty of strategies to achieve the cash flow you need in retirement. One way is an annuity. Love them or despise them they are a solid tool in the retirement tool box. We’ll unpack annuities pros and cons this week on Cruising Through Retirement. Download Kevin’s book,The Milliona…
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You know about what it costs to run your household on a monthly basis and you know you should be padding that emergency fund. But are you? It’s the little things that can cause the biggest problems in retirement. Kevin Brucher outlines how to avoid costly mistakes and get your financial health in order for 2024. To learn more call 800-975-6717. Vis…
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As we enter 2024, it's crucial to assess your budget, debt, and investments in alignment with your financial objectives. To help kickstart the process Kevin Brucher has put together steps to help you get started. To learn more call 800-975-6717. Visit Silver Leaf Financial to learn more. See omnystudio.com/listener for privacy information.…
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The holiday season is upon us,and with that in mind, we thought we would visit a few moments from beloved holiday movies and sitcoms and explore the financial planning missteps made by some of our favorite fictional characters. Kevin Brucher uses Cousin Eddy from “National Lampoon’s Christmas Vacation” and George Bailey from “It’s a Wonderful Life”…
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There are a few “harsh truths” about retirement planning, and financial planning in general, that a simple google search won’t answer for you—with that in mind, we have decided to tackle five major harsh truths about planning for the financial future you want, so you can enjoy the kind of financial future you both want and deserve. To learn more ca…
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The new year is around the corner and that means now is a great time to make sure your retirement and income plan are where they need to be. Kevin Brucher has some great suggestions including remembering to take RMD’s to tax mitigating strategies to help wrap up 2023 and get ready for 2024. To learn more call 800-975-6717. Visit Silver Leaf Financi…
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Kevin Brucher outlines some of the changes the SECURE Act 2.0 will affect retirement planning in 2024. Then he goes through some of the most asked questions people ask about retirement, including how much do I need to retire and when is the best time to take Social Security. To learn more call 800-975-6717. Visit Silver Leaf Financial to learn more…
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The state of the economic union has folks across the country worried about what the future holds. For those in the financial red zone approaching retirement, these economic conditions could change the trajectory of their retirement. Then Kevin Brucher tackles Social Security and offers some suggestions to help fix the problem. To learn more call 80…
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A new report graded the retirement systems of countries across the world and America earned a C+. Today, how you can build an A+ retirement plan. Kevin Brucher outlines ten keys that can help you achieve an A+ through out your retirement. Download Kevin’s book,The Millionaires Guide for Long Term Care at Silver Leaf Financial. It’s free just visit …
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There are many reasons why folks forgo working with a financial professional. Kevin Brucher breaks down 10 of the most common reasons folks resist professional help while building their financial plans and explains exactly how a financial advisor would be able to help. Plus, we've got some tips to help you stash away more savings. To learn more cal…
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Getting to retirement involves many decisions, some big and others not so much. It doesn’t take long for the ‘peanut gallery’ to weigh in either. Kevin Brucher breaks down some do’s, some maybe not and one you should never forget. The show winds up with questions from listeners. Plus, we've got some tips to help you stash away more savings. To lear…
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This podcast was originally released July 6, 2023. It’s called the retirement income replacement rate. This week Kevin Brucher takes a look at just what that is and how, with proper planning, you can achieve it in your retirement and income plan. Download Kevin’s book,The Millionaires Guide for Long Term Care at Silver Leaf Financial. It’s free jus…
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Have you ever heard that saying about assumptions? Well, when it comes to retirement, making certain assumptions can really mess things up, and it's not easy to bounce back from. Today, Kevin Brucher dives into six financial planning assumptions that you definitely want to steer clear of on your way to and through retirement. Plus, we've got some t…
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A successful retirement plan has multiple income streams. There are plenty of strategies to achieve the cash flow you need in retirement. One way is an annuity. Love them or despise them they are a solid tool in the retirement tool box. We’ll unpack annuities pros and cons this week on Cruising Through Retirement. Download Kevin’s book,The Milliona…
  continue reading
 
Kevin Brucher starts by talking about taxes in retirement and suggests there are ways to have a nearly tax free retirement. It starts with a plan and then strategy. One option is to consider a partial in-service rollover from your 401(k) plan. Roth conversions are another way to minimize your tax bill later by paying the taxes up front. Index Unive…
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This week Kevin Brucher helps define what is fact, fiction or somewhere inbetween when it comes to retirement planning. From Robo advisors to defining the difference between risk tolerance and risk exposure. Then Kevin outlines a case study of a couple in their mid-60’s, with a nice nest egg. Kevin put a plan together that will give them consistent…
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This show originally posted May 19, 2023 Among the topics that spark disagreements among couples, money tops the list. A recent survey found that nearly 7 in 10 Americans married or living with a partner have had a disagreement with their partner about finances within the last year alone. So, in an effort to help ease the tension surrounding conver…
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There are plenty of questions about retirement planning. Like how much income do I need, or will it really cost 300-thousand dollars in healthcare when I retire. Kevin Brucher answers some of the most common questions pre-retirees ask advisors on today’s episode of Cruising Through Retirement. Download Kevin’s book,The Millionaires Guide for Long T…
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The newest edition of Cruising Through Retirement kicks off with tips to help you improve your position on the financial football field, whether you are in the financial red zone or starting your journey, these strategies will help you get into the retirement endzone with your nest egg intact. Kevin Brucher shares X's & O's of a winning retirement …
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Saving for retirement takes discipline and sacrifice. This week Kevin Brucher explores a number of quotes that could inspire you to keep the discipline and embrace the sacrifice. The quotes are coming from unexpected sources. Download Kevin’s book,The Millionaires Guide for Long Term Care at Silver Leaf Financial. It’s free just visit Silver Leaf F…
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The Federal Reserve raised the interest rates by a quarter point lifting interest rates to their highest level in 22 years. What does that mean for your nest egg? Coming up today, we explore what that means for your retirement savings, retirement risks to avoid & more. Download Kevin’s book,The Millionaires Guide for Long Term Care at Silver Leaf F…
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Today Kevin Brucher highlights the most common questions folks have about retirement. Then bring on the bells and whistles as we play “Who Wants to be A Retirement Millionaire”. Kevin is in the hot seat and answers questions in hopes of walking away with a million bucks…at least in theory. Did he use his lifelines? You don’t want to miss this. That…
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Cruising Through Retirement host Kevin Brucher offers some tips to help you maximize your savings for retirement. This week he uses classic sit-coms to help define what those tips and tricks might be. You’ll hear from the likes of Fred Sanford, Jerry Seinfeld, Archie Bunker and more. You don’t want to miss this. That and more on this episode of Cru…
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High interest rates, volatile markets and recession talks could be standing between you and the retirement you planned for. Some easy adjustments could make all the difference. That and more on this episode of Cruising Through Retirement with Kevin Brucher. Download Kevin’s book,The Millionaires Guide for Long Term Care at Silver Leaf Financial. It…
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It’s called the retirement income replacement rate. This week Kevin Brucher takes a look a just what that is and how, with proper planning you can achieve it in your retirement and income plan. Download Kevin’s book,The Millionaires Guide for Long Term Care at Silver Leaf Financial. It’s free just visit the Silver Leaf Financial. To learn more call…
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Managing risk in retirement can be tricky. Today Kevin Brucher tackles the various kinds of risk and how to navigate through them. He starts by asking a question that encourages self-awareness and self-reflection about your individual investment style can help guide the conversation. Download Kevin’s book,The Millionaires Guide for Long Term Care a…
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Understanding your risk tolerance is important, particularly as you get closer to retirement. Some folks may in fact have a high tolerance for risk, but their capacity for risk is lower. Some people get so caught up in accumulating money that they forget to protect what they have as they approach retirement. Kevin Brucher takes a deep dive. Downloa…
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Now is the time to figure out how to create a tax-efficient retirement where you can maximize deductions and credits while minimizing taxes. Kevin Brucher has four strategies to help you position yourself for tax efficiency in retirement. Download Kevin’s book,The Millionaires Guide for Long Term Care at Silver Leaf Financial. It’s free just visit …
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There are a variety of reasons folks hesitate to speak with a professional financial advisor about their financial situation. Today, Kevin Brucher dives into some of the common concerns, misconceptions and myths preventing folks from creating that lifetime income plan with a retirement coach. A discussion on Trusts and estate planning winds up the …
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Some of the more common questions about retirement planning start with what, when and how–and in an effort to bring some clarity to the transition into retirement, we have a few pointers that you can incorporate into your plan a decade before the big day. Kevin then talks about the debt ceiling and how it can impact retirement and he has some thoug…
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A new poll conducted by Quinnipiac University has highlighted the top financial concerns facing Americans today. The top concern for those under 65 was saving for retirement. (25%) For those over 65 26% say their top concern is anxious about saving for retirement. Where do you fall? Kevin Brucher digs deep and offers some insight that could ease th…
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Among the topics that spark disagreements among couples, money tops the list. A recent survey found that nearly 7 in 10 Americans married or living with a partner have had a disagreement with their partner about finances within the last year alone. So, in an effort to help ease the tension surrounding conversations about money with your partner, Ke…
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Kevin Brucher and host Steve Sedahl have a friendly game of “Financial Feud” in the style of Family Feud. No wrong answers, just some great tips to help you get to retirement. Then he shifts gears and has some suggestions of things you should be doing if you are five to ten years from retirement. Download Kevin’s book, The Millionaires Guide for Lo…
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We’ve all heard ‘cash is king’. In retirement it’s ‘cash flow’ that leads the charge. Kevin Brucher digs into cash flow in retirement and offers some suggestions that could help you maintain your current lifestyle. Download Kevin’s book, The Millionaires Guide for Long Term Care at Silver Leaf Financial. It’s free just visit the Silver Leaf Financi…
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