Episode Archive

56 episodes of Smart Retirement since the first episode, which aired on August 16th, 2019.

  • Episode 56: Where we finish, in racing or in retirement, is important...

    September 22nd, 2021  |  Season 3  |  37 mins 58 secs
    finance, finances, money, mortgage, personal, retire, retirement, reverse, smart, smartretirement

    f you have a choice, where do you want to retire? How much of where you retire will depend on how much you will have to retire on.
    The cost of living will be a major factor in figuring out how much you will need to retire with. Cost of living can vary dramatically from city to city, state to state and even country to country.

    The decision on where to retire takes into consideration many things like how close you are to family, the weather, your health and how much you want to spend. Should you settle by the beach or in the mountains? Do you prefer golf or cross-country skiing? Those are deeply personal questions.

  • Episode 55: Cruising into Retirement.. If you Love what you do, will you ever have to retire?

    September 9th, 2021  |  Season 3  |  39 mins 48 secs
    finance, finances, money, mortgage, personal, retire, retirement, reverse, smart, smartretirement

    Our guest today will be Steven Shulem. He sells cruise ship experiences. Being a top producer for many cruise ships, he is fortunate to be able to go on many cruises himself. If he is doing what some people want to do when they retire, the question posed to him is, will he ever need to retire if he is already doing what he loves and doing something that is perfect during retirement age?

  • Episode 54: Is Life like an Endurance Race?

    August 6th, 2021  |  Season 3  |  51 mins 54 secs
    finance, finances, money, mortgage, personal, retire, retirement, reverse, smart, smartretirement

    In an endurance race there are many strategies you can use to get to the finish line. Remember the story of the Hare and the Tortoise? Come out strong and aggressive and 'hope' that you do not break your race car or put too much wear on your tires. Or, another approach could be to run the race slow but steady. Both can get you to the finish line.

  • Episode 53: Is Playing Defense the Best Offense for Your Retirement?

    July 22nd, 2021  |  Season 3  |  48 mins 31 secs
    finance, finances, money, mortgage, personal, retire, retirement, reverse, smart, smartretirement

    In this episode Matt & Jeff talk about the 5 defenses they have selected to help defend your retirement. With all of the unknowns that life can throw at us, this is an episode you do not want to miss.

  • Episode 52: Life Begins on the Edge of Your Comfort Zone

    June 30th, 2021  |  Season 3  |  37 mins 4 secs
    finance, finances, money, mortgage, personal, retire, retirement, reverse, smart, smartretirement

    Ask yourself - by the time you retire, will you really have the health and energy to do all the fun things you dreamt about?? It's one thing to have the resources to retire comfortably but if you wait too long will you be physically fit and have the motivation to do the activities you also wanted to do? For some people, that might not be the case. If you are still in your 40's or 50's why not think about creating a lifestyle where you take mini-retirement vacations throughout your lifetime. Why wait until the tail-end of your life?

  • Episode 51: The importance of being your own Boss vs being an Employee

    June 18th, 2021  |  Season 3  |  40 mins 11 secs
    finance, finances, money, mortgage, personal, retire, retirement, reverse, smart, smartretirement

    In this episode Matt and Jeff talk about how owning your own business has many benefits, but can you handle the risks?

    Are you Risk Averse? Being your own boss requires some degree of risk. How good are you with dealing with risks and can you look at risk as a fun and rewarding challenge? In racing, every lap takes you approx. 2 min, each lap we get a new challenge or opportunity to do better. As a business owner, everyday is a new challenge. Sometimes with many rewards. Are you ready for that opportunity?

  • Episode 50: Inflation - How it can mess with your retirement plans!

    June 2nd, 2021  |  Season 3  |  43 mins 10 secs
    finance, finances, money, mortgage, personal, retire, retirement, reverse, smart, smartretirement

    In this episode Mike, Matt and guest speaker Jeff discuss how inflation can be the silent killer to your business and retirement portfolio. With all the government stimulus and businesses having to increase wages to attract good talent, the cost of living is increasing. We discuss steps to counterbalance inflation so that it does not have a significant affect in your future.

    We also give a sincere good-bye to Mike and introduce Jeff Shulem, CPA as the new co-host to the podcast.

  • Episode 49: What is Cryptocurrency, and is it worth owning?

    May 19th, 2021  |  Season 3  |  46 mins 19 secs
    finance, finances, money, mortgage, personal, retire, retirement, reverse, smart, smartretirement

    In this episode Mike and Matt bring on a guest that was involved in the beginning creations of cryptocurrency. Michael Noel, Certified Blockchain Professional with Blockchain Consultants. Michael Co-Founded Blockchain Consultants, Inc. in 2016. He has been helping companies in multiple industries adopt Distributed Ledger Technology ever since. This is more of an educational show on how Cryptocurrency really works, and less about why you should hold or not hold some cryptocurrency in your retirement portfolio. Once again, the guys are bringing on more guests from different walks of life to help listeners get more informed decisions about products and investment options out in the World to help you retire smarter.

  • Episode 48: Thinking like a Retiree in your 40’s & 50’s – Part 3

    May 5th, 2021  |  Season 3  |  35 mins 47 secs
    finance, finances, money, mortgage, personal, retire, retirement, reverse, smart, smartretirement

    This is the final episode in our 3 part series that helps listeners focus on simple ways to start thinking like you are a retiree in your 40’s & 50’s, so that you can take advantage of your best asset - TIME. In this episode, Matt has the chance to interview Sylvain Templeman, Executive Vice President and National Sales Manager of The Pacific Financial Group. They go into detail about the concept of turning all, or some, of your 401(k) into a self-directed fund that gives Investors so many options they are not used to taking advantage of with their current Custodian. What is great about this episode is how Sylvain takes the time to explain how he brings so many other retirement options “to the table”; and, he explains how almost everyone with a 401(k) can take advantage of this opportunity. It's important to think of how this style of investing in your 40’s & 50’s can provide with all types of alternatives that keep you involved with your allocation, and diversification options, a good 10-20 years before you have to retire and start wondering what you are going to do at that time to make your money last.

  • Episode 47: Thinking like a Retiree in your 40’s & 50’s – Part 2

    April 14th, 2021  |  Season 3  |  36 mins 5 secs
    finance, finances, money, mortgage, personal, retire, retirement, reverse, smart, smartretirement

    In this episode, Mike and Matt lay the groundwork to help you start understanding what the average amount you should have in your retirement accounts when you are in your 30’s, 40’s, and 50’s. In addition to that, Matt helps those revisit or understand for the first time, the concept of maximizing your “free money” with your 401k match with the Employer, then your tax deferred savings, and then caps off the conversation with your tax free savings. He saves the best idea for last when he explains the various ways that an indexed universal life insurance product can give you the opportunity to build more wealth over time with a secure return that you can borrow against tax free, and all while not having to make a repayment since you are your own Bank…it’s pretty cool stuff.

  • Episode 46: Thinking like a Retiree in your 40’s & 50’s - Part 1

    March 31st, 2021  |  Season 3  |  37 mins 32 secs
    finance, finances, money, mortgage, personal, retire, retirement, reverse, smart, smartretirement

    This show begins a 3-part Series where the guys will go into detail on how to habitually prepare for retirement in your 40’s and 50’s, so that you can retire sooner with confidence. The episode starts with Mike and Matt quickly warming up with a discussion about the asset inflation taking place in the U.S. Real Estate Market – in January the Year-over-Year National average price increase for Real Estate was 11.2%, and this was a 15 year high. Additionally, they discussed how the lack of Affordable homes will affect everyone, but truly is affecting the First Time home buyer the most and those that are renting who don’t have the means for a down payment. As they come back from the break, the guys lay out the major “hurdles” and focal points those in their mid-40’s to late 50’s as retirement nears closer and closer, such as: Debt consolidation; optimizing your 401(k) distributions; calculate your net worth; and, have good discussions with those that are Retirees.

  • Episode 45: The Value of Preventing Health Care Costs in Retirement - Part 2

    March 17th, 2021  |  Season 3  |  47 mins 40 secs
    finance, finances, money, mortgage, personal, retire, retirement, reverse, smart, smartretirement

    Follow along as Mike and Matt discuss the many ways to financially plan for the “curve balls” your health will throw at you. There’s a Health Savings Account (HSA) discussion in this episode that will have you rethinking the way that you position your health care dollars that saves you money today, but helps you load up your “piggy bank” before the Medicare Health guidelines eliminate your ability to start-up an HSA. Then, just after the break Matt brings up some really brilliant ways to approach qualifying and paying for Long Term Care insurance, as we wrap-up this 2 part series. Also, don’t forget to watch the guys live on Youtube, as they toast you listeners with their GREEN beer for St. Patrick’s Day.