My Retirement Clarity With Lee Perkins podcast

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The Menendez Brothers | Five-Year Plan | 1 43:56

1 year43:56

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43:56

On August 20th, 1989, Lyle and Erik Menendez shot and killed their own parents. Until then, this Beverly Hills family had been a portrait of the American Dream. How did it go so wrong? To listen to all four episodes of 'The Menendez Brothers' right now and ad-free, go to IntoHistory.com . Subscribers enjoy uninterrupted listening, early releases, bonus content and more, only available at IntoHistory.com . If you or someone you know is in crisis, there is free help available at mhanational.org Learn more about your ad choices. Visit megaphone.fm/adchoices…

My Retirement Clarity with Lee Perkins

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Financial and retirement planning with financial planner Lee Perkins, president of JL Perkins Wealth Management in the Macon, Georgia area. Get ready for a good dose of inspiration, simplicity, implementation and, of course, clarity on each and every show. Lee will explore the ways you can successfully prepare for retirement and how to grow and preserve your wealth.

159 epizódok

#Trading #Business #Lee Perkins #News #Retirement Planning

My Retirement Clarity with Lee Perkins

updated 13 napja

Megosztás

Sorozat kép•Feed

159 epizódok

#Trading #Business #Lee Perkins #News #Retirement Planning

כל הפרקים

1
If You’re a Smart Investor, Do You Really Need a Financial Advisor? 18:11

13 napja18:11

18:11

If you’ve spent years successfully managing your own investments, do you really need a financial advisor? That’s the question Bob, one of our listeners, sent in. He’s got an MBA, knows the markets well, and has always handled his portfolio solo. So, is working with an advisor just an extra expense, or could it actually add real value? In this episode, we break down when and why even experienced investors might benefit from professional guidance and when they’re probably fine on their own. Here’s what we discuss in today’s show: Beyond just investments, where do financial advisors typically provide value that DIY investors might not consider? What are some common financial blind spots or mistakes that smart DIY investors tend to overlook? How should experienced investors plan for a future where they may not want (or be able) to actively manage their portfolio? What Lee would say to investors who are skeptical that an advisor could improve their financial situation Want to set up a meeting with us? Visit us here: http://talkwithjp.com Get more financial education at http://myretirementclarity.com…

1
Pretending To Be An Investor Is Dangerous 33:05

27 napja33:05

33:05

This week, Lee and Keith dive into Carl Richard’s timeless article, Pretending To Be An Investor Is Dangerous, and discuss how to avoid the common mistakes many people make when managing their investments, particularly as they approach retirement. They explore what it means to be a "pretend investor" and break down the six key behaviors that can derail your financial security- from obsessing over short-time market fluctuations to chasing the latest hot stock. Tune in for a great discussion on how to focus on what truly matters- your financial health- while avoiding the distractions and fears created by the news cycle and peer pressure. You’ll learn why sometimes, ignoring the chatter is the smartest move you can make with your retirement funds. Here’s what we discuss in today’s show: Staying committed to your long-term investment strategy instead of reacting to headlines Not letting daily market fluctuations sway your decisions Focusing on your personal financial goals rather than global economic events Avoiding the temptation to compare your strategy to others or chase the latest trends Recognizing that market volatility is normal- and not always a bad thing Resources for this episode: Check out more articles from Carl Richards here: https://behaviorgap.com/ Want to set up a meeting with us? Visit us here: http://talkwithjp.com Get more financial education at http://myretirementclarity.com…

1
The New Retirement: Why Many Are Choosing Work Over Leisure 15:11

6 weeks15:11

15:11

A recent article on Fortune highlights a growing trend among baby boomers: continuing to work well into their 60s and 70s. Surprisingly, this is not out of necessity, but for the mental stimulation, social connections, and fulfillment that work provides. With nearly 20% of Americans over 65 still employed, this shift is challenging traditional views of retirement and sparking important conversations about what it means to truly retire. Join us as we explore this growing trend on today’s show. Lee has witnessed firsthand how retirement goals have shifted in recent years and is having more frequent conversations with clients about the evolving landscape of retirement. Is staying in the workforce the right choice for you? Here’s what we discuss in today’s show: How Lee is seeing this trend in his own practice Lee's advice for those struggling with a loss of purpose or loneliness after leaving the workforce Financial considerations for those thinking about part-time or contracting work How working longer impacts the financial planning process The shifting attitude toward work and retirement in younger generations Want to set up a meeting with us? Visit us here: http://talkwithjp.com Get more financial education at http://myretirementclarity.com…

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New Year, New Me: How To Change Your Money Attitude In 2025 19:02

8 weeks19:02

19:02

As we step into 2025, many of us set New Year’s resolutions—whether it’s eating healthier, exercising more, or cutting back on a vice. But what if we also focused on improving our attitude toward money? The New Year is a great time for a reset and to adjust our attitudes when it comes to finances, and in this episode, Lee will break down what some of those financial attitude shifts could be. From being more mindful of the long-term financial impact of today's decisions to taking that first step toward building a retirement plan, there’s always room for improvement when it comes to managing money. Let’s kick off 2025 on the right financial foot! Here’s what we discuss in today’s show: Consider your future when making financial decisions Finding the balance between saving and spending Knowing what you have and where it is Want to set up a meeting with us? Visit us here: http://talkwithjp.com Get more financial education at http://myretirementclarity.com…

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Making The Most of Your Retirement Years with Long-Time Client, Joey Kinard 50:15

11 weeks50:15

50:15

In this episode of My Retirement Clarity, Lee sits down with a long-time client and friend, Joey Kinard, to discuss how he and his wife are making the most of their retirement years. From traveling to new places to embracing an active lifestyle, Joey shares what’s been working for them as they enjoy this exciting chapter of life. Joey’s early retirement was filled with memorable RV adventures. These days, he and his wife enjoy exploring state parks, visiting local farmers markets and festivals, and spending time at their favorite getaway- Alligator Point, Florida. Joey offers great insights on checking off bucket list items, staying active and maintaining a sense of community in retirement. Along the way, we’ll talk about financial freedom, the importance of knowing your spending habits, and why time is your most valuable resource in retirement. Tune in as we explore what it means to retire with intention and enjoy the journey! Here’s what we discuss in today’s show: Renting a house in Alligator Point and Joey’s experience with RV travels Staying in state parks and renting cabins Pros and cons of purchasing a vacation home + Joey’s favorite trip Staying healthy and active in retirement The importance of understanding your retirement spending Farmers markets and festivals that Joey and his wife have enjoyed Want to set up a meeting with us? Visit us here: http://talkwithjp.com Get more financial education at http://myretirementclarity.com…

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Mailbag: Should I Restart My 401(k) Contributions After A Break? 27:48

13 weeks27:48

27:48

At JL Perkins Wealth Management, we receive all sorts of questions about financial and retirement planning, but some themes come up more often than others. In today's mailbag edition of the show, we'll tackle some of the most common questions we answer on a daily basis. Lori wonders whether it’s advisable to help her aging parents financially, especially with potential long-term care needs. Matt asks if he should resume his 401(k) contributions after pausing them due to the election. If you’re listening to this episode, you’ve likely had questions about one or two of these items, so stick with us! Here’s what we discuss in today’s show: "Since I've had my annuity long enough to withdraw without penalty, should I take it all out now?" "My husband is nine years older than me, and we have a large life insurance policy on him. What happens if the insurance company goes bankrupt and can't pay the death benefit?" "My parents didn’t save much for retirement, so I’m worried about covering long-term care costs. Is it common to help parents financially, or should I try to avoid it if possible?" “Should I buy gold coins or gold bars or no gold at all?” "My father-in-law recently passed away and left us unexpected money. We want to give it to our son, but I’m worried he’ll just spend it irresponsibly. Any suggestions on how to handle this?" Want to set up a meeting with us? Visit us here: http://talkwithjp.com Get more financial education at http://myretirementclarity.com…

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For Couples, Retirement Planning Is A Team Sport 18:38

15 weeks18:38

18:38

When it comes to retirement planning, it’s critical that you and your spouse are on the same page. That doesn’t necessarily mean that you’ll agree on every little detail, but it does mean that compromise and honest conversations are a big part of navigating the process together. Join Lee as he dives into why aligning with your spouse is so important, where disagreements tend to arise, and the key topics you should be discussing. Plus, he’ll share how financial advisors can help couples find financial common ground. Here’s what we discuss in today’s show: Getting on the same page financially with your spouse What Lee often sees the first time he meets with a couple The most important things to discuss with your spouse when it comes to retirement What areas cause the most disagreement How Lee helps folks find a financial common ground Want to set up a meeting with us? Visit us here: http://talkwithjp.com Get more financial education at http://myretirementclarity.com…

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The Magic 8 Ball’s Guide to Retirement Planning 22:24

17 weeks22:24

22:24

Remember the thrill of shaking a Magic 8 Ball to get answers to your childhood questions? Would we ace that math test? Would we be famous someday? Well, today, we're bringing a bit of that magic back. But instead of asking about pop quizzes and playground crushes, we’re turning to the Magic 8 Ball for advice on something much more important: your retirement planning! What would the Magic 8 Ball have to say about these common retirement questions if it had the wisdom of a financial advisor? Here’s what we discuss in today’s show: Is a million dollars enough to retire? Can I rely on Social Security for retirement? Should I be reviewing my retirement plan annually? Will my retirement plan be affected by future changes in tax laws? Should I focus on paying off debt before increasing my retirement contributions? Want to set up a meeting with us? Visit us here: http://talkwithjp.com Get more financial education at http://myretirementclarity.com…

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Unlock Your Potential During National Financial Planning Month 26:04

20 weeks26:04

26:04

National Financial Planning Month is here! In this episode, we’ll do a little bit of celebrating as we look at what financial planning truly means, as well as what drew Lee into the field! We’ll break down what it means to be a fiduciary, how JL Perkins is different from other wealth advisory firms, and what the standard process looks like with us. Lee also shares a key tip to help you avoid starting your financial plan on the wrong foot, along with insights into the work he did before becoming a financial planner. You don’t want to miss what we have coming today, so pull up a chair and listen in! Here’s what we discuss in today’s show: How Lee got into financial planning, and what he was doing before he started How Lee defines financial planning What you should have ready when you meet with an advisor for the first time What’s different about JL Perkins? Not relying on the internet for your retirement advice Want to set up a meeting with us? Visit us here: http://talkwithjp.com Get more financial education at http://myretirementclarity.com…

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Retirees In Their 70s Regret These 5 Things 19:27

22 weeks19:27

19:27

A random, retired YouTuber did a simple video exploring the top 5 regrets from other retirees he interviewed (all in their 70s). It blew up to almost half a million views (and counting). Let’s see what regrets made the list and, more importantly, explore what proactive steps you can take to avoid having the same regrets when you retire. Planning and working with an advisor can make all the difference in addressing these regrets. A financial advisor can help you create a personalized retirement plan that balances your financial goals with your desire for a fulfilling lifestyle. Tune in for some valuable insights to ensure your retirement is everything you hope for! Here are the regrets we discuss in today’s show: They wish they had retired earlier They wish they had spent more when they first retired They wish they took better care of their health They wish they had taken up a hobby They wish they had traveled more Retiree regrets video https://www.youtube.com/watch?v=mNUSJ3juAbA Want to set up a meeting with us? Visit us here: http://talkwithjp.com Get more financial education at http://myretirementclarity.com…

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Never Stop Asking 'How Do You Know?' - Navigating Retirement Planning 28:56

24 weeks28:56

28:56

Remember when you were a kid, always asking 'How do you know?' about everything, like why the sky is blue or where the sun goes at night? That curiosity doesn't go away as we get older; it just turns into different questions, like the ones we face when planning for retirement. Today, we’re digging into the 'How Do You Knows' of retirement planning. How do you know how much income you’re going to need when you retire? How do you know if your retirement plan is tax-efficient? Stay tuned as Lee sheds light on these questions and more! Here’s some of the how-do-you-knows we discuss in today’s show: How do you know how much income you’re going to need when you retire? How do you know how much money you should have in your savings account? How do you know when you're financially ready to retire? How do you know if an advisor is a good fit for you or not? How do you know if your retirement plan is tax-efficient? Want to set up a meeting with us? Visit us here: http://talkwithjp.com Get more financial education at http://myretirementclarity.com…

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The Top 401(k) FAQs In 2024 29:04

26 weeks29:04

29:04

We get a lot of questions about 401(k)s because they can be tricky to navigate. So, in today’s episode, we’re tackling some of the most frequently asked questions about 401(k)s. Tune in for a comprehensive breakdown of what they are, how they work, and how you can make the most of them! We’ll cover everything from understanding company matches and target date funds to the pros and cons of 401(k) loans and rollovers into IRAs. This is a super informative conversation that you don’t want to miss! Here’s what we discuss in today’s show: Should I use company-provided 401(k) guidance? Should I use target date funds? When should I take money out of my 401(k) and roll it over into an IRA? How should I adjust my 401(k) investments as I get closer to retirement? Can I make catch-up contributions to the 401(k)? If so, when? Want to set up a meeting with us? Visit us here: http://talkwithjp.com Get more financial education at http://myretirementclarity.com…

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Macon on the Map: A Chat with Mayor Lester Miller on the City's Bright Future 24:18

28 weeks24:18

24:18

We’re thrilled to welcome the Mayor of Macon, Lester Miller, to the My Retirement Clarity podcast today! If you’re from the area, you’re familiar with who he is and some of the incredible things that have happened under his leadership. With the reputation of Macon on the rise, we thought it would be fun to discuss some of the key projects that have made the city a must-visit destination. From the world's largest indoor pickleball facility, Rhythm & Rally, to a vibrant new amphitheater and a revitalized downtown, there's so much happening in Macon- and even more on the horizon. If you want to learn more about the exciting developments in Macon and hear directly from Mayor Lester Miller, this episode is for you! Here’s what we discuss in today’s show: Macon’s recent National recognition and affordability The origin story of the Rhythm & Rally Pickleball Facility The process of developing the amphitheater + the importance of music in Macon Revitalizing downtown and future plans for the mall and more Attracting retirees and major companies to Macon The overall economic growth and positive outlook for Macon’s future Learn more about Mayor Lester Miller: https://maconbibb.us/mayorlestermiller/ Want to set up a meeting with us? Visit us here: http://talkwithjp.com Get more financial education at http://myretirementclarity.com…

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Tax Strategies for 2024 with Guru David Brooks 37:58

29 weeks37:58

37:58

With tax rates set to change soon and national debt on the rise, tax planning might be the most critical piece of retirement planning right now. That’s why we wanted to catch up with David Brooks, a renowned tax expert from Omaha, Nebraska. David, who we consider a tax guru, shared invaluable insights into the world of tax strategies, proactive planning, and the future of tax policies. For those that aren’t as familiar with our current tax landscape, we’ll spend some time on the details of today’s taxes and how to prepare for future changes. With the national debt crossing $35 trillion and interest expenses skyrocketing, it's crucial to anticipate how tax policies might shift post-election. Regardless of political affiliations, we should all be focusing on policy implications and plan accordingly. Join us as we get into the tax strategies we’re utilizing in 2024 and why this proactive tax planning can really help mitigate tax liabilities in retirement. Here’s what we discuss in today’s show: Our country’s rising debt is becoming a major political issue because it will impact tax policies Why we’ve started accelerating Roth conversions for our clients Future legislation that might change taxes and the actions you can take now Is it a good thing or bad thing that RMD age has moved up to 75? Why you should work with an independent financial advisor versus the big box retailers The Donor Advised Fund strategy and the most common way we utilize that for retirees Want to set up a meeting with us? Visit us here: http://talkwithjp.com Get more financial education at http://myretirementclarity.com About our guest: https://retiresmartomaha.com/…

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Combatting Popular Excuses For Poor Financial Decision-Making 19:17

33 weeks19:17

19:17

We all make excuses from time to time for decisions we know might not be the best. Whether it's about our health, relationships, or finances, excuses can hold us back from achieving our long-term goals. Very often, Lee sees people who know that the financial decisions that they’re making aren’t the best decisions, but they try to create excuses or explanations for why they’re doing what they’re doing. From making Social Security decisions based on fear to taking on too much risk to make up for lost time, he’ll address some common areas where he sees this happening. Let’s talk about why these excuses usually don’t hold water… Here’s what we discuss in today’s show: Claiming Social Security at age 62 due to fears of it running out of money Taking too much risk to make up for lost time Holding onto too much cash to keep your money safe Investing in things you don’t understand Sticking with a financial advisor out of loyalty, even when you should switch Want to set up a meeting with us? Visit us here: http://talkwithjp.com Get more financial education at http://myretirementclarity.com…

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