Retirement Pathfinder with Barbara Lane & Phil Guske
Business & Finance
About
Financial and retirement planning guidance from Rockford’s Barbara Lane & Phil Guske of Pathfinder Wealth Management.
Episodes
- Retirement Planning Challenges: Inflation, Risk Levels, and Too Many Accounts
Why rising costs, hidden investment risk, and overly complex portfolios could impact your retirement income- and what to watch for now. Important Links: Pathfinder Wealth Management: http://pathfinderadvisory.com/ Schedule a 15-minute Cons…
- Should You Take Your Pension as a Lump Sum?
With underfunded plans and company closures always being a risk, retirees may be better off controlling their own retirement funds rather than relying on a traditional pension. Important Links: Pathfinder Wealth Management: http://pathfind…
- When Your Will Isn’t Enough
As retirement approaches, overlooked paperwork and poorly timed property transfers could undo years of financial planning and create unexpected problems for your heirs. Important Links: Pathfinder Wealth Management: http://pathfinderadviso…
- The Cost of Waiting: How Delayed Planning Can Shrink Your Retirement Security
Let's discuss why waiting too long, underestimating rising costs, and worrying about the wrong risks could quietly derail your retirement plans. Important Links: Pathfinder Wealth Management: http://pathfinderadvisory.com/ Schedule a 15-mi…
- Retirement Planning Moves to Know: 401(k) Rollovers, Real Estate in IRAs, and the Power of Roth Accounts
What retirees and pre-retirees should understand about moving a 401(k), investing through an IRA, and why Roth accounts continue to stand out for tax-free growth. Important Links: Pathfinder Wealth Management: http://pathfinderadvisory.com…
- Rising Costs and Planning Ahead: Key Steps for Retirement and Long-Term Care
As more retirees face high long-term care expenses and complex estate decisions, planning ahead can protect both your finances and your family’s future. Important Links: Pathfinder Wealth Management: http://pathfinderadvisory.com/ Schedule…
- Why Trying to Time the Market Can Hurt Retirement Savings When Volatility Hits
As market swings fuel anxiety among retirees, a closer look at history reveals why reacting to headlines and trying to jump in and out of the market often leads to costly mistakes. Important Links: Pathfinder Wealth Management: http://path…
- Why Market Timing, Bond Shifts, and Dropping Life Insurance Could Backfire in Retirement
Many retirees rely on strategies they believe are safe, but new insights reveal how market timing, long-term bonds, and canceling life insurance may create more risk than protection. Important Links: Pathfinder Wealth Management: http://pa…
- Will Your Retirement Savings Go the Distance? The Hidden Costs Threatening Your Nest Egg
Longer lifespans, rising taxes, and persistent inflation are quietly reshaping how long retirement money lasts- and why many Americans may need to rethink their financial plans before it’s too late. Important Links: Pathfinder Wealth Manag…
- Fewer Pensions, Higher Taxes: Why Retirement Planning Can’t Wait
With pensions disappearing and future tax rates being always uncertain, it's important for folks to take retirement planning into their own hands. Important Links: Pathfinder Wealth Management: http://pathfinderadvisory.com/ Schedule a 15-…
- Planning for Peace of Mind: Navigating Retirement Challenges
Retirement brings both freedom and financial decisions- learn practical steps to manage your savings, taxes, and biggest worries. Important Links: Pathfinder Wealth Management: http://pathfinderadvisory.com/ Schedule a 15-minute Consult: h…
- Protecting Your Retirement Savings from Costly Mistakes
In today's episode, we share smart strategies for handling investments, big purchases, and company stock to keep your retirement savings safe. Important Links: Pathfinder Wealth Management: http://pathfinderadvisory.com/ Schedule a 15-minu…
- How Fiduciary Advisors Help Retirees Protect Their Savings
Making the right financial decisions in retirement means working with advisors who always put your best interest first. Important Links: Pathfinder Wealth Management: http://pathfinderadvisory.com/ Schedule a 15-minute Consult: http://Path…
- Saving, Staying the Course, and Seeing Retirement as a Process
A closer look at why steady saving, resisting panic in the markets, and treating retirement as an ongoing journey can make all the difference for your financial future. Important Links: Pathfinder Wealth Management: http://pathfinderadviso…
- Retiring Soon? Here’s Why a Down Market Isn’t the Only Thing to Plan For
Beyond finances, we'll look at how retirees can prepare mentally and emotionally for what comes next. Important Links: Pathfinder Wealth Management: http://pathfinderadvisory.com/ Schedule a 15-minute Consult: http://PathfinderChat.com Buy…
- Saving Too Little, Living Too Long: Retirement by the Numbers
Data shows that many Americans are drastically underprepared for their retirement, but there’s still time to shift your strategy. Important Links: Pathfinder Wealth Management: http://pathfinderadvisory.com/ Schedule a 15-minute Consult: h…
- The IRS: Your Silent Retirement Partner
If your savings are in pre-tax accounts, future tax increases could shrink what you keep. Listen in and learn how you can maximize what you take home. Important Links: Pathfinder Wealth Management: http://pathfinderadvisory.com/ Schedule a…
- The Hidden Risks of Retirement: What Most People Don’t Plan For
From unexpected long-term care costs to hidden taxes and running out of money, this report breaks down the retirement threats that not everybody sees coming. Important Links: Pathfinder Wealth Management: http://pathfinderadvisory.com/ Sch…
- Avoiding A Retirement Tax Time Bomb
The wrong savings strategy today could lead to massive tax bills later. Listen in and learn how to avoid paying more taxes on your retirement accounts than necessary. Important Links: Pathfinder Wealth Management: http://pathfinderadvisory…
- Protecting Your Retirement: The Key Factors to Consider for Income and Estate Planning
Learn how to realistically plan for your retirement income, avoid costly mistakes with long-term care, and safeguard your estate with expert advice. Important Links: Pathfinder Wealth Management: http://pathfinderadvisory.com/ Schedule a 1…
- 3 Retirement Moves You Can’t Afford to Get Wrong
This fresh look at retirement planning highlights the importance of outpacing inflation, getting educated, and making smart decisions about when to claim Social Security. Important Links: Pathfinder Wealth Management: http://pathfinderadvi…
- Weathering the Storm: Retirement Planning in Volatile Markets
Even in unpredictable markets, a long-term retirement strategy can help you stay on track and avoid costly mistakes. Important Links: Pathfinder Wealth Management: http://pathfinderadvisory.com/ Schedule a 15-minute Consult: http://Pathfin…
- The Overlooked Costs of Early Retirement: Budget Gaps, Purpose, and the Risk of Regret
Many dream of retiring early, but few consider the financial strain and emotional toll that can follow without a clear plan. Important Links: Pathfinder Wealth Management: http://pathfinderadvisory.com/ Schedule a 15-minute Consult: http:/…
- Why Knowing What’s in Your Portfolio Could Make or Break Your Retirement
As retirement grows longer for many Americans, a simple question—what’s actually in your portfolio—could be the key to lasting financial security. Important Links: Pathfinder Wealth Management: http://pathfinderadvisory.com/ Schedule a 15-…
- Making Your Retirement Savings Last
Many approaching retirement struggle with balancing savings, debt, and financial tools like annuities — here’s how to build a strategy that will be better tailored to you. Important Links: Pathfinder Wealth Management: http://pathfinderadv…
- Building a Flexible and Sustainable Retirement Plan
Learn why planning for retirement goes beyond saving and how understanding your expenses and investment strategy can help ensure a comfortable future. Important Links: Pathfinder Wealth Management: http://pathfinderadvisory.com/ Schedule a…
- How Inflation Can Impact Your Retirement and How to Plan for It
Learn why being too conservative with your investments in retirement could put your savings at risk and how a diversified portfolio can help protect you from rising inflation. Important Links: Pathfinder Wealth Management: http://pathfinde…
- How to Avoid Tax Pitfalls and Prepare for Rising Healthcare Costs in Retirement
Learn how managing your retirement income and planning for healthcare expenses can help you retire with confidence and avoid unexpected financial challenges. Important Links: Pathfinder Wealth Management: http://pathfinderadvisory.com/ Sch…
- Three Key Principles to Build Wealth for Retirement
Learn how paying yourself first, finding a mentor, and understanding compound interest can set you up for a secure financial future. Important Links: Pathfinder Wealth Management: http://pathfinderadvisory.com/ Schedule a 15-minute Consult…
- Retirement Strategies: Managing Investment Risks, Tax Planning, and Real Estate Backup Plans
Discover key strategies for retirement, from diversifying investments and understanding Roth accounts to preparing a backup plan for rental property income. Important Links: Pathfinder Wealth Management: http://pathfinderadvisory.com/ Sche…
- Medicare Limits and Avoiding Overspending in Retirement
Learn the critical details about Medicare coverage and how to stay financially secure by managing spending in retirement. Important Links: Pathfinder Wealth Management: http://pathfinderadvisory.com/ Schedule a 15-minute Consult: http://Pa…
- Retirement Risk: Protecting Your Nest Egg
Discover why reducing risk, building trust with your advisor, and smart planning are the keys to a stress-free retirement in this insightful mini-podcast. Important Links: Pathfinder Wealth Management: http://pathfinderadvisory.com/ Schedu…
- Listener Questions About Old 401(k)s & Roth Conversions
We’re diving into your questions about old 401(k)s—should you roll them over, leave them, or something else entirely? Plus, we’re breaking down Roth conversions—when they make sense, and how they might save you money in the long run. Also,…
- 2024's Best Stocking Stuffer: 10 Ideas for Financial Freedom
The holiday season is here, and while you’re stuffing stockings for your loved ones, don’t forget to stuff your own financial stocking with tips that can bring you closer to a secure retirement. Today, we’re unwrapping 10 bite-sized, actio…
- Mailbag: Should I Invest In Gold?
We have 4 great listener questions to answer today. Jan asks if she should withdraw all her money from an annuity now that the penalty period has ended. Andy asks whether he should invest in gold, and, if so, whether gold coins or gold bar…
- What Financial Advisors Wish Every Investor Knew
Imagine you could read your financial advisor’s mind before you even walked through the door for the first time. What would they want you to know? In this episode, we bring you the game-changing insights financial pros wish every saver and…
- Retirement Mailbag: Roth Conversions, Debt Management, and Trusts Explained
Barbara Lane and Phil Guske answer listener questions on a variety of retirement planning topics. From Roth conversions and their tax implications to strategies for paying off debt while still saving for retirement, they cover key consider…
- Celebrity Advice Could Save Your Retirement: Unlikely Financial Wisdom
You wouldn’t necessarily expect Mike Tyson, Kim Kardashian, and Snooki to dispense valuable insights about financial planning matters. In fact, you’d probably expect the opposite. But with a little bit of creativity, we can get some financ…
- Mailbag: How Should I Handle My Pension and Next Steps After a Layoff?
We have several great financial planning questions to cover in this week's mailbag episode. Steve asks how to decide between taking his pension as a lump sum or as monthly income, and what other factors he should consider as he plans for h…
- Unlock Your Potential During National Financial Planning Month
With National Financial Planning Month upon us, we’re sitting down with Barbara and Phil to uncover the strategies and steps that go into building a personalized financial plan. From that first phone call to implementing a strategy that al…
- Mailbag: Is 15-20 Times My Salary Enough To Retire?
In this mailbag episode, Marty asks if the recommendation of having 15 to 20 times your annual salary in savings for a comfortable retirement is accurate. Kim asks whether she should continue interviewing more financial advisors to find th…
- Never Stop Asking 'How Do You Know?' - Navigating Retirement Planning
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…
- Mailbag: Should I Delay My Retirement Plans Due to the Election?
Mailbag episodes are one of our favorite ways to answer your questions! This week, one listener asks if, due to concerns about rising taxes in the future, all their retirement savings should be directed into a Roth account. Another listene…
- 6 Lies You Might Be Telling Yourself About Money
Are you telling yourself financial lies? Discover the top 6 lies people often tell themselves about money and retirement. Some of these could be severely holding you back, so stay tuned! Important Links: Pathfinder Wealth Management: http:…
- Mailbag: Your Questions About Social Security, Roth Conversions, Rollovers & More!
In today’s episode, we tackle your burning questions about retirement planning. Our first mailbag question comes from Mary, who is concerned about her portfolio’s performance and whether she should start taking Social Security now or wait…
- Retirement Rebels: Winning Your Financial Independence
Celebrate the spirit of July 4th with our latest episode as we tackle the concept of Financial Independence. While the American colonists fought for freedom from British rule, we’re here to discuss what you’re striving to be independent fr…
- Mailbag: Should I Roll Over My Old 401k with Impressive Returns?
It's a mailbag edition of the show today! We've got four great questions coming your way. Hazel asks for a checklist of financial priorities to address before she retires from her job at the hospital. Joseph asks whether he should proceed…
- The Beauty of Simplicity When Planning For Retirement
Retirement planning doesn’t have to be overwhelmingly complicated. It certainly doesn’t have to be as complicated as some people make it. In our next episode, we unravel the unnecessary complexities often woven into the fabric of retiremen…
- Mailbag: Retirement Dates, RMDs, Social Security & More!
We've got four great questions that we'll cover in today's mailbag episode. Tony asks whether, as a pastor, it's advisable for him to opt out of Social Security. David's wife is nine years younger than him, and he wonders if he should take…
- Practical Strategies for Protecting Retirees Against Scams & Fraud
As much as any other threat, recognizing and avoiding scams has become a necessary skill for today’s retirees to develop. Join us as we explore crucial steps you can take to safeguard your financial well-being against the growing tide of s…