On today’s Unshakeable Retirement, Doug and Dale discuss: How do you keep your clients from getting derailed that entire time it takes more than just being the coach, you have to be motivational and inspirational as the coach, how do you get people? How do you keep people from getting derailed? With the wisdom that we have all gained through 10 cha…

On today’s Unshakeable Retirement, Doug and Dale discuss: Can you share with our listeners what you mean, when you term exit cards? Can we talk for a second about the wildcards and maybe specifically talk about one of the things you talked about in Chapter Nine is debt as one of those retirement wildcards? How do you plan for something like a pande…

On today’s Unshakeable Retirement, Doug and Dale discuss: Share with our listeners some of the vehicles you use in the magical Middle World that we discussed in the previous chapter with the thing called annuities. Can you share with us the different kinds of annuities that are out there, and why isn't it our grandfather's annuity any longer? Is th…

On today’s Unshakeable Retirement, Doug and Dale discuss: Can you share a little bit about what each one of those worlds is and why do we even need to define them? How do you then come back and customize a templated game plan for each specific client that you have? Because while the ideas are solid ideas, everybody's situation is different? How do …

On today’s Unshakeable Retirement, Doug and Dale discuss: About terrifyingly exhilarating Dangers of making some of the financial decisions in one's life based upon emotions, because isn't that all tied into the terrifyingly exhilarating kind of feeling of the emotional side of the world? Can you maybe share a little bit about what the power of the…

On today’s Unshakeable Retirement, Doug and Dale discuss: Do you recall the movie Moneyball? Why is the sweet spot between the accumulation phase and distribution phase of the retirement plans so much in your strike zone for your clients? Can you talk about your gift which is solving puzzles and not focusing on problems? Why is it so important for …

On today’s Unshakeable Retirement, Doug and Dale discuss: What ups and downs are we talking about? Why is it important to keep an eye on taxes, inflation, and pricing? Can you explain how health or social security or real estate might play a role in having a good retirement? Contact Dale Website: https://myinvestingcoach.com/ Email: dale@tondrykfin…

On today’s Unshakeable Retirement, Doug and Dale discuss: Why is it that some people don’t plan for retirement? What do you say to the person that hasn’t planned for retirement because they have been too busy to plan? What are some other things that people don’t know that they don’t know? Some people want to plan on their own and some are a little …

On today’s Unshakeable Retirement, Doug and Dale discuss: What was your plan about being a retirement coach? Tell me about how relationship works between you and your client Can you share a little bit about you actually coaching your parents through retirement? In your opinion, what is your winning philosophy when it comes to creating a winning ret…

On today’s Unshakeable Retirement, Doug and Dale discuss: Tell me about your family life. Where do you live? Tell your listeners about business and your philosophy in business. In your estimation, who would be your ideal strike zone for a client? How do you define a win when it comes to American dream retirement? In chapter one, you discuss the opp…

Join us in this episode of The Retirement Playbook podcast as Dale dives into the essential financial matters you need to address throughout the calendar year. He provides valuable insights into maximizing retirement contributions, managing required minimum distributions (RMDs), and making strategic financial moves to optimize your retirement savin…

Financial discussions and retirement planning can come with many emotions. From counseling couples with differing financial views to providing support during challenging life events such as divorce or medical issues, financial professionals wear many hats, including the role of a therapist. In this episode, Dale discusses the impact of having a fin…

We’re taking a quick break from the Xs and Os of retirement finances today. Instead, we’re going to talk about some other important pieces of forming your retirement lifestyle. Join us as we discuss staying busy, the significance of social connections after you’ve stopped working, and maintaining your physical and mental health throughout retiremen…

Have you ever wondered if the Social Security system will run out of money before you retire? Or if claiming benefits as soon as you're eligible is the best decision for your financial future? In this episode, we'll be debunking common myths about Social Security and answering the questions you've been curious about. Here’s what we’ll talk about in…

Getting lost while driving in the car or hiking in the woods is kind of like getting lost in retirement planning. It can be tough to find your way without the right guidance and tools. But fear not! In today's episode, we're going to explore the most common mistakes people make in retirement planning and share some insightful advice to help you sta…

Is there really such a thing as having guaranteed income in retirement? Maybe the question is really “guaranteed by whom?” In today’s episode, we are going to talk about some common misconceptions when it comes to income streams and the importance of having predictable income in your retirement portfolio. Here’s what we’ll talk about in this episod…

For some people, the idea of putting together a financial plan doesn’t sound like much fun, while the idea of building a home sounds like a lot of fun. In this episode we’ll find the similarities in building a strong financial plan and a dream home. Here’s some of what you’ll learn on this episode: Read more and get additional financial insight her…

We don’t typically spend much time talking about Medicare before it’s time to utilize it, and it’s easy to get confused about the four parts of the program and what each of them do. Knowing your options and what each part covers will help you make the best decision for Medicare when it comes time. In this episode, Dale will explain each of the four…

It’s nearly impossible to completely separate emotion from financial decisions. As much as we try, it’s just hard to overcome those human emotions, especially when it comes to fear and money. We took an informal poll of listeners to find out what their biggest financial fears are. On this episode, we’ll explore the most common fears and talk about …

Another round of retirement changes are on the way after President Biden signed a spending bill in December 2022 that included the SECURE Act 2.0. Retirees and pre-retirees need to understand what this new legislation means, how it might impact you, and what planning opportunities this could open up. Here’s some of what you’ll learn on this episode…

Let’s look at some examples and explore the reasons why we have to be very careful from whom we’re taking this important financial guidance from. Even when the advice seems to be well-informed and logical, it doesn’t mean it’s going to be applicable to your plan. Here’s some of what you’ll learn on this episode: Read more and get additional financi…

People have different feelings when it comes to their desire to retire. We broke this concept down into five sections that we will explore today. Our goal is to help you determine which category you fall into so you can be sure your financial plan aligns with your desire to retire. Here’s some of what you’ll learn in this episode: Read more and get…

Investor bias is a common phenomenon. It’s easy to lose sight of the bigger picture at times, specifically when your retirement is on the line. In this episode, we will be learning about the different biases that tend to affect investors the most. Listen to see if you fall into any of these categories and how you can shift your perspective and inve…

As you approach retirement, you might catch “Sudden Decision Syndrome”. It’s important to avoid making big decisions before retirement so you don’t mess up your plan. In this episode, we will cover some of the things you want to avoid just before or right after retirement. Here’s some of what you’ll learn in this episode: Read more and get addition…

You may have heard of Roth Conversions. Roth Conversions have been increasingly popular, so we wanted to share some important things to know before you decide if it is right for you. There are a few key points to consider, like how one would affect your tax bracket for example. Listen to learn the benefits of a Roth Conversion and how one could cre…

Just like the lights on your dashboard can indicate if something is wrong with your car, like low tire pressure or leaking oil), there are indicators in your financial life that might point out that you have a problem that needs to be addressed. On today’s show, we’ll explain why your net worth, view of retirement, and thoughts on nursing homes mig…

At this time of year, you can find football on TV almost every night of the week. So, let’s take some concepts from the game of football and apply them to our retirement planning. You might be surprised to see the correlation between football and finance, but then again, maybe not with the name of our show. Strap up and join us for a look at the le…

There are plenty of decisions that you’ll make in the retirement planning process that can’t be undone, so you want to make sure that you make the right call. In this episode, we’ll explain why these decisions are so important and can’t be undone. While a few of these have slight caveats, you won’t want to miss your window of opportunity to make th…

Want to know the secrets to experiencing satisfaction in retirement? We’ve discovered five key situations in which your financial plan needs to lead you. If you can key in on these five points, you’ll have a high chance to achieve retirement satisfaction. Wouldn’t it be great to retire knowing you’ll have enough to live off no matter what is going …

Being a good advisor isn’t about winning a popularity contest or just saying the same things that everyone else in the industry says. It’s about giving the best advice that you can for each individual situation. On today’s show, we’re going to peel back the curtain to discuss some areas where a good financial advisor’s opinions might go against the…

You’ve most likely heard plenty of “rules” you’re supposed to follow to retire successfully. Some of these rules are stated so confidently, that you’d be crazy not to immediately accept them as fact. But we don’t mind the threat of being called crazy, so let’s dive into some of the most popular retirement “rules of thumb” to see if they truly lead …

We are going to discuss a tough topic today, divorce. Going through a divorce at any age is difficult but doing so close to or in retirement adds additional complications. There are a lot of little nuances that go along with splitting your assets and it can be an emotional investment as well. If you’ve been married a long time and you’ve grown a fa…

Can you get an A+ on this retirement planning pop quiz? Don’t worry too much about acing this quiz though, there’s always time to improve your grades. At what age should people start saving for retirement? Definitely not when you pay off all your debt, it’s likely you’ll have debt on and off throughout your life. The best time is when you start wor…

Do you like to take risks? Or would you rather play it safe and steady? When it comes to the market risk can come with great reward, but it can also be damaging if our risk tolerance is out of balance with our plan. Most people don’t realize how much risk they are taking on and have a much lower tolerance than their portfolio reflects. When the mar…

When it comes to financial debates, there are a few that we often hear. "You should always pay the house off before retirement“ or “Individual bonds are better than bond funds“ are some common ones you may encounter. But the reality of any financial debate is that the correct answer usually depends on your situation. Paying off the house before ret…

We’ve gathered some updated retirement statistics from across the country. It’s time to find out if these are encouraging or disturbing findings if they’re reflective of the average client, and what you can do to improve your own retirement preparedness based on this information. Overall, it appears women have smaller retirement savings compared to…

Those days, months, and years leading up to retirement can start to fill with anxiety about what needs to get done. No one wants to make that transition without having their ducks in a row so today we’re going to tell you what you should be doing as you start approaching retirement. If you’re able to create a checklist and start going through each …

With the state of the housing market and rising interest rates, a lot of retirees have questions about their house and how it fits into their overall retirement plan. For many of us, we may feel our house is our biggest asset and is a big part of the financial equation. With the Fed raising interest rates should you pay the house off as fast as you…

Much like our physical health, we often find ourselves struggling to keep up our financial health despite knowing what we should and should not do. Eating healthy and exercise is critical to taking care of our body much like saving and budgeting are crucial to our financial future. Even though we know what steps we should be taking, it doesn’t mean…

After listening to today’s episode, you’ll never attend another baseball game with the family and look at it the same way. We’re going to show you how taking some of baseball’s most basic principles can also lead to financial success in your retirement portfolio. If you’re a casual baseball watcher you probably want to see a home run. Similarly, yo…

There are some things in life that you can guess at. However, when it comes to your retirement plan there are a few major questions and factors you certainly don’t want to guess at. This is especially true if you aren’t working with an advisor. A lot of people estimate the monthly income they need, but just guessing a number won’t cover it. Do you …

While most people probably need an advisor, some people might not need one. So who really needs an advisor and why? For the last 12 years, the market has been pretty favorable, meaning most DIY investors have been doing fairly well. However, if you are a procrastinator or simply don’t know where to start saving for retirement, having an advisor can…

How do we plan for things we can’t predict? The stock market, healthcare, and taxes will all change in the future, but how? The stock market has been great over the past decade, yet a crash could happen at any time. Despite speculation, we can't be sure what the future holds. What about healthcare costs? You can’t predict what medical coverage will…

It’s playoff season! How is football a lot like saving for retirement? Well, you want to protect your plan as you enter the retirement red zone. Similar to how a quarterback protects the ball as he gets close to the end zone. The last 5 to 10 years before you retire is considered the financial red zone. During this time, you want to lock down your …

A record number of people are leaving their jobs. They are either retiring early, looking for new positions or taking a break from work. A lot of people don’t want to return to the office and are opting for early retirement instead. Others people are questioning their values when it comes to their work-life and are taking time off. But if you do th…

Most people realize that it’s usually best to have an estate planning attorney helping them with their estate plan, but it’s also important for the financial advisor to be part of that conversation. On this episode, we’ll explore the role an advisor plays in the estate and legacy planning process and uncover some of the basic mistakes people often …

Are you financially healthy? On today’s episode, we will be discussing 5 signs of financial health. So what are some good indications you are on the right track? Spending less than you make, understanding tax implications, and having an income plan are all good signs your plan is healthy and stable. If you are married, do you both know enough about…

When constructing a jigsaw puzzle you likely have some sort of strategy. Maybe you start with the frame first or sort the pieces by color. Like starting a puzzle, you don't want to jump into retirement without having a plan. Today, we are going to be discussing how having a strategy is necessary when creating a financial plan and sticking to it. So…

You may never ask something unreasonable to your advisor, but it’s important to know where that line is. Today, we want to discuss some of the unreasonable things to expect from your advisor. Sometimes people get wrapped up in their financial expectation and bringing it back down to earth is important for your financial plan. It’s one thing to have…

We talk a lot about the Xs and Os of financial planning and retirement planning. So today, we are going to focus on what it means to live your dream retirement. Will you be traveling? Going out to eat? Golfing? Staying home? Whatever your dream is it’s great to plan out in advance for personal and financial reasons. Read and learn more: https://ret…