• Retirement Planning Strategies

  • Aug 27 2024
  • Length: 34 mins
  • Podcast

Retirement Planning Strategies

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  • Summary

  • Welcome to Novem Nexus: Navigating Your Financial Narrative, where we explore the various topics of finance, the stories, strategies, and psychology behind our financial decisions with host Greg Wagner as we dive into the intersection between finance and the human experience.

    The financial landscape is saturated with advice and rules, Novem Nexus aims to stand out by focusing on the underlying motivations, beliefs, and emotions that drive our financial behavior. We explore not only the "what" and "how" of finance but, more importantly, the "why." At Novem Group, we believe that finance is not just about numbers and equations; it's about real people with real emotions. That's what this podcast is all about: understanding the reasons behind our financial decisions and uncovering the narratives that shape our financial lives.Novem Nexus is more than just a podcast. Connect with us on social media, share your experiences, and join the conversation. Together, let's navigate our financial narratives with confidence. Welcome to Novem Nexus: Navigating Your Financial Narrative.

    Greg Wagner is a Registered Representative with American Portfolios Financial Services, Inc. (APFS), Member: FINRA, SIPC, and an Investment Adviser Representative with Novem Group, an SEC-Registered Investment Adviser. APFS and Novem Group are independent and unaffiliated entities. All opinions expressed by Greg Wagner or any guests are solely their own and do not reflect the views of Novem Group or American Portfolios Financial Services. This podcast is for informational purposes only, and does not constitute tax, investment, or other financial advice, and is not endorsement of any securities discussed, and listeners should not rely on it for their financial decisions. (AP PMR #34375 5-23-24)

    In this episode, Greg Wagner covers the intricate terrain of retirement planning, offering practical insights and strategies to help listeners chart a course towards a secure and fulfilling retirement. Segment 1, he underscores the importance of establishing clear retirement savings targets tailored to individual needs and aspirations, and provides actionable tips for calculating these goals, considering factors like desired retirement age, expected expenses, and the impact of inflation.

    Transitioning to Segment 2, we dive into the art of constructing a resilient retirement portfolio. Different asset allocation strategies, from diversification to risk assessment, are explored, emphasizing the delicate balance between growth potential and downside protection. Risk management emerges as a key theme, guiding listeners in crafting portfolios optimized for long-term success.

    In Segment 3, income planning and withdrawal strategies take center stage as we unravel the intricacies of generating sustainable retirement income. We offer guidance on creating a robust income plan, drawing from retirement savings, Social Security, pensions, and other income sources. Withdrawal strategies, including the renowned 4% rule and dynamic spending strategies, are discussed, empowering listeners to maximize the longevity of their retirement assets.

    In Segment 4, we confront the specter of longevity risk and contingency planning head-on. Strategies such as annuities, longevity insurance, and healthcare planning are examined as tools for managing longevity risk and safeguarding financial well-being in retirement. Moreover, the importance of contingency planning for unexpected expenses or changes in financial circumstances is underscored, ensuring resilience in the face of uncertainty.
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