As predictions are coming in for 2024, one thing we know for sure is that tax thresholds will be increasing across the board.  What exactly does this mean, and will it help or harm investors going into the coming year?  Jim Cipriotti explains on this episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 9:00 AM ET on WPHT. For more information and to schedule a complimentary consultation with Jim Cipriotti, visit www.RetireReadyFG.com.See omnystudio.com/listener for privacy information.

While everyone's retirement will look different, one thing that is fairly common is not wanting to *un-retire.*  Yet there are those out there who want to continue working, or perhaps even go back to the workforce.  And that's not a bad thing!  Jim Cipriotti talks about this growing trend, and how it should be a matter of choice and not necessity on this episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 9:00 AM ET on WPHT. For more information and to schedule a complimentary consultation with Jim Cipriotti, visit www.RetireReadyFG.com.See omnystudio.com/listener for privacy information.

We're now less than a year away from the 2024 presidential election.  Should you dictate your investment strategy based on the outcome?  Jim offers his thoughts on what to do leading up to (and following) the election on this episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 9:00 AM ET on WPHT. For more information and to schedule a complimentary consultation with Jim Cipriotti, visit www.RetireReadyFG.com.See omnystudio.com/listener for privacy information.

After a bad 2022, bonds have bounced back this year, with some of the highest yields since 2007.  Does that mean it's time to go back in on bonds?  Jim Cipriotti offers his thoughts on this episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 9:00 AM ET on WPHT. For more information and to schedule a complimentary consultation with Jim Cipriotti, visit www.RetireReadyFG.com.See omnystudio.com/listener for privacy information.

What's better- timing the market, or time in the market?  Jim discusses how to take the stress out of market performance and more on this episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 9:00 AM ET on WPHT. Learn more about Jim and his team at RetireReadyFG.com or on social media: Facebook, Instagram, and LinkedIn.See omnystudio.com/listener for privacy information.

Why are you still working?  Is it because you need to, or because you *think* you need to? Jim discusses how taking the time to develop a retirement plan could help you achieve those retirement dreams sooner than you might think on this episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 9:00 AM ET on WPHT. For more information and to schedule a complimentary consultation with Jim Cipriotti, visit www.RetireReadyFG.com.See omnystudio.com/listener for privacy information.

Despite all the doom and gloom predictions surrounding the market heading into this year, it’s kept trudging along in a positive direction.  Does this mean good things heading into 2024, or is there still reason to be cautious?  Jim Cipriotti offers his thoughts on this episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 9:00 AM ET on WPHT. For more information and to schedule a complimentary consultation with Jim Cipriotti, visit www.RetireReadyFG.com.See omnystudio.com/listener for privacy information.

While inflation seems to be dwindling, market volatility continues and interest rates are at a 22 year high.  Despite these challenges, there are actually ways to use all this economic turmoil in our favor.  Jim Cipriotti explains how on the next episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 9:00 AM ET on WPHT. For more information and to schedule a complimentary consultation with Jim Cipriotti, visit www.RetireReadyFG.com.See omnystudio.com/listener for privacy information.

With all the talk of inflation (finally) cooling off, the Fed still seems intent on getting it to drop from 3% to 2%.  Jim talks about what difference one percent actually makes, as well as what it could take for us to get there, on this episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 9:00 AM ET on WPHT. For more information and to schedule a complimentary consultation with Jim Cipriotti, visit www.RetireReadyFG.com.  See omnystudio.com/listener for privacy information.

Auto-pay is a great way to take care of your monthly subscriptions and bills without having to think about them… but sometimes that means forgetting about (and paying for) things you’re not even using anymore.  Kind of like fees you may be paying for in your retirement accounts without even knowing about them! Jim talks about these hidden fees, and ways to reduce them, on this week’s episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 9:00 AM ET on WPHT. For more information and to schedule a complimentary consultation with Jim Cipriotti, visit www.RetireReadyFG.com.See omnystudio.com/listener for privacy information.

Before you clock out for the last time, before you collect your first social security check, before you even think about Medicare… there’s one age you should pay attention to as you approach retirement, and that’s 59 ½.  Jim Cipriotti talks about why this age is so important, and why letting it go by without taking action could cost you thousands in potential savings, on the next episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 9:00 AM ET on WPHT. For more information and to schedule a complimentary consultation with Jim Cipriotti, visit www.RetireReadyFG.com.See omnystudio.com/listener for privacy information.

A lot of changes (obviously) happen when you retire.  You stop setting your alarm.  Your commute disappears.  And you begin spending the money you’ve spent your entire working career saving up.  Jim discusses why that last one is often the most stressful change for new retirees, and how he’s helped people make the adjustment with confidence on this episode of Freedom to Retire.See omnystudio.com/listener for privacy information.

What should you do with your 401(k) when you change jobs?  The conventional wisdom is to move the account, but there’s a new option that actually incentivizes leaving it with your former employer! Jim discusses the pros and cons of this option on this episode of Freedom to Retire.  See omnystudio.com/listener for privacy information.

Are you a baby boomer approaching retirement? If so, you're not alone. But many baby boomers are feeling behind the 8 ball when it comes to their retirement savings.  Jim discusses the importance of having a comprehensive retirement plan that takes into account all of your income sources, such as Social Security, pensions, and investments. He also talks about the different types of investments that are appropriate for retirement, and how to manage your taxes in retirement. If you're a baby boomer who's worried about your retirement, this episode is for you. Listen and learn how to create a plan that will help you enjoy a comfortable and secure retirement.  For your custom comprehensive retirement plan call Jim today!  #babyboomer #financialplanning #socialsecurity #retirement #financialplanner #financialliteracy #wealth #fyp #podcast  Listen to the “Freedom to Retire” podcast anytime on  Apple, Spotify or Google!   Tap into more insights from Jim and his team on Facebook, Instagram and at RetireReadyFG.com. Catch Freedom To Retire, the radio show with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 9:00 AM ET on WPHT.  About Jim Cipriotti, AIF®, Founder James (Jim) V. Cipriotti, AIF®, has been serving his clients in the greater Philadelphia and southern New Jersey area for nearly 25 years. James always puts the best interests of his clients first. By taking a comprehensive approach, James looks at all aspects of his clients’ financial portfolio to help develop a detailed strategy for the future. Jim graduated from St. Joseph’s University in 1998, magna cum laude with a bachelor’s degree in finance at the top 25 in his class. At the start of his career, Jim was hired by Prudential as a full-service financial advisor offering investment, insurance, and financial planning services to help his clients reach their financial goals. Rapidly excelling towards the top of his agency, Jim decided to take the next step in his career and became the general manager of his own ING agency. Throughout his years of experience, Jim has earned multiple financial professional distinctions, including the certified senior adviser designation. Jim has also earned the revered chartered mutual fund counselor accreditation. Always keeping his clients’ best interests in mind, his main focus is to safely grow their wealth.See omnystudio.com/listener for privacy information.

In this episode of the Freedom to Retire podcast, Jim discusses the importance of estate planning, especially when it comes to protecting your assets from unwanted inheritance. He talks about the different types of trusts that can be used to keep your money in the hands of your loved ones, even if they get divorced or remarried. He also discusses the importance of updating your beneficiaries on your retirement accounts and life insurance policies. If you're concerned about protecting your assets, this episode is for you. Listen to learn more about the different ways to safeguard your hard-earned money.  Call Jim today for your complimentary Estate Plan Review!  #estateplanning #trusts #inheritance #retirement #financialplanner #financialliteracy #wealth #fyp #podcast   Listen to the “Freedom to Retire” podcast anytime on  Apple, Spotify or Google!   Tap into more insights from Jim and his team on Facebook, Instagram and at RetireReadyFG.com. Catch Freedom To Retire, the radio show with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 9:00 AM ET on WPHT.    About Jim Cipriotti, AIF®, Founder James (Jim) V. Cipriotti, AIF®, has been serving his clients in the greater Philadelphia and southern New Jersey area for nearly 25 years. James always puts the best interests of his clients first. By taking a comprehensive approach, James looks at all aspects of his clients’ financial portfolio to help develop a detailed strategy for the future. Jim graduated from St. Joseph’s University in 1998, magna cum laude with a bachelor’s degree in finance at the top 25 in his class. At the start of his career, Jim was hired by Prudential as a full-service financial advisor offering investment, insurance, and financial planning services to help his clients reach their financial goals. Rapidly excelling towards the top of his agency, Jim decided to take the next step in his career and became the general manager of his own ING agency. Throughout his years of experience, Jim has earned multiple financial professional distinctions, including the certified senior adviser designation. Jim has also earned the revered chartered mutual fund counselor accreditation. Always keeping his clients’ best interests in mind, his main focus is to safely grow their wealth.  Listen to the “Freedom to Retire” podcast anytime on  Apple, Spotify or Google!See omnystudio.com/listener for privacy information.

In this episode hear Jim talks about the new tax law that will require high-income earners to make Roth 401K contributions instead of traditional 401K contributions. He discusses the pros and cons of this change, and offer advice for high-income earners who are considering making the switch.   #babyboomer #financialplanning #socialsecurity #retirement #financialplanner #financialliteracy #wealth #fyp #podcast  For your custom comprehensive retirement plan call Jim today!     Listen to the “Freedom to Retire” podcast anytime on  Apple, Spotify or Google!  Tap into more insights from Jim and his team on Facebook, Instagram and at RetireReadyFG.com. Catch Freedom To Retire, the radio show with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 9:00 AM ET on WPHT.   About Jim Cipriotti, AIF®, Founder James (Jim) V. Cipriotti, AIF®, has been serving his clients in the greater Philadelphia and southern New Jersey area for nearly 25 years. James always puts the best interests of his clients first. By taking a comprehensive approach, James looks at all aspects of his clients’ financial portfolio to help develop a detailed strategy for the future. Jim graduated from St. Joseph’s University in 1998, magna cum laude with a bachelor’s degree in finance at the top 25 in his class. At the start of his career, Jim was hired by Prudential as a full-service financial advisor offering investment, insurance, and financial planning services to help his clients reach their financial goals. Rapidly excelling towards the top of his agency, Jim decided to take the next step in his career and became the general manager of his own ING agency. Throughout his years of experience, Jim has earned multiple financial professional distinctions, including the certified senior adviser designation. Jim has also earned the revered chartered mutual fund counselor accreditation. Always keeping his clients’ best interests in mind, his main focus is to safely grow their wealth.      See omnystudio.com/listener for privacy information.

If there was a glaring mistake in your retirement plan, when would you want to know about it?  Jim Cipriotti talks about the number one mistake pre-retirees make, and how to avoid it, on this episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 9:00 AM ET on WPHT. For more information and to schedule a complimentary consultation with Jim Cipriotti, visit www.RetireReadyFG.com.See omnystudio.com/listener for privacy information.

With 2023 already halfway over, it's an excellent time to see if you should be staying the course with your retirement plan, or if changes should be made.  Jim talks about the types of things to look at in a mid-year portfolio review on this episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 9:00 AM ET on WPHT. For more information and to schedule your mid-year review with Jim Cipriotti, visit www.RetireReadyFG.com.See omnystudio.com/listener for privacy information.

When it comes to making a big decision, are you more likely to take the advice of friends, family, or a professional?  Jim Cipriotti discusses the merits of each on the latest episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 9:00 AM ET on WPHT. For more information and to schedule a complimentary consultation with Jim Cipriotti, visit www.RetireReadyFG.com.  See omnystudio.com/listener for privacy information.

Maybe not at the moment, but could you be overpaying the IRS by not taking taxes into account right now?  Jim Cipriotti discusses what you should be looking at on this episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 9:00 AM ET on WPHT. For more information and to schedule a complimentary consultation with Jim Cipriotti, visit www.RetireReadyFG.com.See omnystudio.com/listener for privacy information.