Rah Shah and Rick Borek emphasize the importance of structuring retirement portfolios to not only keep pace with inflation but also to ensure sustainable income.  For more information or to schedule a consultation with SC Wealth Advisors visit: scwealthadvisors.com Raj Shah and Rick Borek focus on wealth management, retirement planning, personal finance, taxes, estate planning and so much more. Combined, Raj and Rick have over 55 years of financial planning experience and are eager to help you retire in the most efficient manner. See omnystudio.com/listener for privacy information.

Raj Shah and Rick Borek explain the complexities of retirement planning, highlighting the importance of proactive financial strategies in light of unexpected events such as health issues or job layoffs. They emphasize the need for individuals to create a robust financial plan that allows for flexibility and security in retirement, particularly in the face of technological advancements like AI that may impact job stability.  For more information or to schedule a consultation with SC Wealth Advisors visit: scwealthadvisors.com Raj Shah and Rick Borek focus on wealth management, retirement planning, personal finance, taxes, estate planning and so much more. Combined, Raj and Rick have over 55 years of financial planning experience and are eager to help you retire in the most efficient manner. See omnystudio.com/listener for privacy information.

Raj Shah and Rick Borek focus on the importance of understanding Social Security benefits and the strategies to maximize them. They cover misconceptions about taking Social Security early and the emotional factors that influence decision-making.  For more information or to schedule a consultation with SC Wealth Advisors visit: scwealthadvisors.com Raj Shah and Rick Borek focus on wealth management, retirement planning, personal finance, taxes, estate planning and so much more. Combined, Raj and Rick have over 55 years of financial planning experience and are eager to help you retire in the most efficient manner. See omnystudio.com/listener for privacy information.

Raj Shah and Rick Borek delve into the complexities of Social Security, particularly the implications of claiming benefits early versus delaying them. They emphasize the importance of strategic planning in retirement to mitigate potential losses due to benefit cuts and inflation.  For more information or to schedule a consultation with SC Wealth Advisors visit: scwealthadvisors.com Raj Shah and Rick Borek focus on wealth management, retirement planning, personal finance, taxes, estate planning and so much more. Combined, Raj and Rick have over 55 years of financial planning experience and are eager to help you retire in the most efficient manner. See omnystudio.com/listener for privacy information.

Raj Shah and Rick Borek explain that it's important for retirees to understand the impact of inflation on their retirement plans and make adjustments accordingly. High inflation rates can significantly reduce the success rate of retirement portfolios. They explain that retirees should consider saving more and securing consistent income to offset price increases.  For more information or to schedule a consultation with SC Wealth Advisors visit: scwealthadvisors.com Raj Shah and Rick Borek focus on wealth management, retirement planning, personal finance, taxes, estate planning and so much more. Combined, Raj and Rick have over 55 years of financial planning experience and are eager to help you retire in the most efficient manner. See omnystudio.com/listener for privacy information.

Raj Shah and Rick Borek discuss how Social Security is facing a solvency crisis within the next 10 years, and one option to fix it is to raise the full retirement age. This would add funding to Social Security but also result in fewer years of payments for retirees. They explain that planning for a potential decrease in Social Security benefits is important, and putting away a lump sum of money can guarantee additional income in retirement. For more information or to schedule a consultation with SC Wealth Advisors visit: scwealthadvisors.com Raj Shah and Rick Borek focus on wealth management, retirement planning, personal finance, taxes, estate planning and so much more. Combined, Raj and Rick have over 55 years of financial planning experience and are eager to help you retire in the most efficient manner. See omnystudio.com/listener for privacy information.

Raj Shah and Rick Borek discuss the potential rate cuts by the Fed and its impact on fixed income investments. They emphasize the opportunity to lock in high yields on longer-term treasuries before rates go down. For more information or to schedule a consultation with SC Wealth Advisors visit: scwealthadvisors.com Raj Shah and Rick Borek focus on wealth management, retirement planning, personal finance, taxes, estate planning and so much more. Combined, Raj and Rick have over 55 years of financial planning experience and are eager to help you retire in the most efficient manner. See omnystudio.com/listener for privacy information.

Raj Shah and Rick Borek explain how important it is to address tax planning in retirement, including factors such as selling a home, annuities, Roth IRA conversions, IRA contributions, required minimum distributions, tax loss harvesting, and taxation of Social Security benefits. They believe timing is crucial when it comes to selling investments or assets to take advantage of stepped-up basis and minimize tax liabilities.  For more information or to schedule a consultation with SC Wealth Advisors visit: scwealthadvisors.com Raj Shah and Rick Borek focus on wealth management, retirement planning, personal finance, taxes, estate planning and so much more. Combined, Raj and Rick have over 55 years of financial planning experience and are eager to help you retire in the most efficient manner. See omnystudio.com/listener for privacy information.

Raj Shah and Rick Borek explain how hiring a financial advisor can provide value beyond portfolio management. They can help with estate planning, tax planning, social security planning, and creating a comprehensive financial plan.  For more information or to schedule a consultation with SC Wealth Advisors visit: scwealthadvisors.com Raj Shah and Rick Borek focus on wealth management, retirement planning, personal finance, taxes, estate planning and so much more. Combined, Raj and Rick have over 55 years of financial planning experience and are eager to help you retire in the most efficient manner. See omnystudio.com/listener for privacy information.

Raj Shah and Rick Borek discuss the importance of reviewing and optimizing existing portfolios, ensuring guaranteed income for retirement, and the benefits of in-service rollovers. They also emphasize the need to avoid making investment decisions based on political predictions. For more information or to schedule a consultation with SC Wealth Advisors visit: scwealthadvisors.com Raj Shah and Rick Borek focus on wealth management, retirement planning, personal finance, taxes, estate planning and so much more. Combined, Raj and Rick have over 55 years of financial planning experience and are eager to help you retire in the most efficient manner. See omnystudio.com/listener for privacy information.

Raj Shah and Rick Borek discuss the stock market and whether historical trends can be relied upon for accurate predictions. They emphasize the importance of having a blended investment strategy and a portfolio that is structured to protect against potential losses.  For more information or to schedule a consultation with SC Wealth Advisors visit: scwealthadvisors.com Raj Shah and Rick Borek focus on wealth management, retirement planning, personal finance, taxes, estate planning and so much more. Combined, Raj and Rick have over 55 years of financial planning experience and are eager to help you retire in the most efficient manner. See omnystudio.com/listener for privacy information.

Raj Shah and Rick Borek break down the biggest people can make with their 401(k)s. They mention only contributing minimums, not taking advantage of Roth, and Target Date Funds are something to avoid.  For more information or to schedule a consultation with SC Wealth Advisors visit: scwealthadvisors.com Raj Shah and Rick Borek focus on wealth management, retirement planning, personal finance, taxes, estate planning and so much more. Combined, Raj and Rick have over 55 years of financial planning experience and are eager to help you retire in the most efficient manner. See omnystudio.com/listener for privacy information.

Raj Shah and Rick Borek discuss important things to know about Social Security this year, including changes in the COLA and the need for additional sources of income.  For more information or to schedule a consultation with SC Wealth Advisors visit: scwealthadvisors.com Raj Shah and Rick Borek focus on wealth management, retirement planning, personal finance, taxes, estate planning and so much more. Combined, Raj and Rick have over 55 years of financial planning experience and are eager to help you retire in the most efficient manner. See omnystudio.com/listener for privacy information.

Raj Shah and Rick Borek explain the importance of being aware of regulations and requirements before entering into any investment or strategy. They also encourage you be aware of tax technicalities.  For more information or to schedule a consultation with SC Wealth Advisors visit: scwealthadvisors.com Raj Shah and Rick Borek focus on wealth management, retirement planning, personal finance, taxes, estate planning and so much more. Combined, Raj and Rick have over 55 years of financial planning experience and are eager to help you retire in the most efficient manner. See omnystudio.com/listener for privacy information.

Raj Shah and Rick Borek discuss conflicting advice when it comes to Social Security and the importance of considering various factors such as income limits, spousal benefits, taxes, and investment gains. They emphasize the need for a thorough analysis of individual circumstances and the potential impact on overall wealth.  For more information or to schedule a consultation with SC Wealth Advisors visit: scwealthadvisors.com Raj Shah and Rick Borek focus on wealth management, retirement planning, personal finance, taxes, estate planning and so much more. Combined, Raj and Rick have over 55 years of financial planning experience and are eager to help you retire in the most efficient manner. See omnystudio.com/listener for privacy information.

Raj Shah and Rick Borek explain the performance of the Magnificent Seven stocks and the broadening of the stock market. They share the importance of a balanced approach to investing and not relying solely on past performance. For more information or to schedule a consultation with SC Wealth Advisors visit: scwealthadvisors.com Raj Shah and Rick Borek focus on wealth management, retirement planning, personal finance, taxes, estate planning and so much more. Combined, Raj and Rick have over 55 years of financial planning experience and are eager to help you retire in the most efficient manner. See omnystudio.com/listener for privacy information.

Many people are nervous about running out of money in retirement, leading them to consider annuities as a source of guaranteed income. However, financial advisors often find that their clients are not interested in annuities, despite seeking safer portfolios and income protection. Raj Shah and Rick Borek explain how annuities provide contractual guaranteed income and can be suitable for some investors.  For more information or to schedule a consultation with SC Wealth Advisors visit: scwealthadvisors.com Raj Shah and Rick Borek focus on wealth management, retirement planning, personal finance, taxes, estate planning and so much more. Combined, Raj and Rick have over 55 years of financial planning experience and are eager to help you retire in the most efficient manner. See omnystudio.com/listener for privacy information.

Raj Shah and Rick Borek delve into the importance of retirement planning and the need for a comprehensive financial plan. They highlight the key factors that impact retirement, such as savings, expenses, taxes, medical costs, and long-term care.  For more information or to schedule a consultation with SC Wealth Advisors visit: scwealthadvisors.com Raj Shah and Rick Borek focus on wealth management, retirement planning, personal finance, taxes, estate planning and so much more. Combined, Raj and Rick have over 55 years of financial planning experience and are eager to help you retire in the most efficient manner. See omnystudio.com/listener for privacy information.

Raj Shah and Rick Borek discuss strategies to limit tax bills in retirement and maximize retirement income. They emphasize the importance of examining the entire financial situation, including retirement accounts and after-tax accounts, to find opportunities to save on income taxes. Raj and Rick go into the benefits of coordinating IRA and 401k distributions with Social Security payments and minimizing tax liability. The potential advantages of Roth IRA conversions are discussed, highlighting the long-term benefits and the opportunity to have tax-free withdrawals in the future.  For more information or to schedule a consultation with SC Wealth Advisors visit: scwealthadvisors.com Raj Shah and Rick Borek focus on wealth management, retirement planning, personal finance, taxes, estate planning and so much more. Combined, Raj and Rick have over 55 years of financial planning experience and are eager to help you retire in the most efficient manner. See omnystudio.com/listener for privacy information.

We're hearing warnings that Social Security will need to make some changes in the next 10 or so years. Raj Shah and Rick Borek have come up with strategies to help their clients hedge against benefit cuts.  For more information or to schedule a consultation with SC Wealth Advisors visit: scwealthadvisors.com Raj Shah and Rick Borek focus on wealth management, retirement planning, personal finance, taxes, estate planning and so much more. Combined, Raj and Rick have over 55 years of financial planning experience and are eager to help you retire in the most efficient manner. See omnystudio.com/listener for privacy information.