Money Matters with Mike

Why Income Beats a Big Number: Planning Your Paycheck for Life

Mike Zaino — Fri, 20 Jun 2025 21:04:26 +0000

A million dollars might sound like the goal… but in retirement, it's not about the number—it’s about the income. On this episode of Money Matters with Mike, host Mike Zaino and co-host Matt McClure dive into why an income strategy matters more than a big pile of cash, and how you can create guaranteed lifetime income that lasts as long as you do.

Learn about:

Why hope is not a plan
How to turn savings into a reliable paycheck
The “Three Bucket Strategy” to balance growth, safety, and liquidity
Creating your own personal pension with an annuity
Planning for life’s curveballs with confidence and clarity

Whether you’re just entering retirement or already there, Mike shares practical strategies to help you avoid common mistakes and build a rock-solid retirement income plan.

️ Schedule your free consultation today at MoneyMattersWithMike.com
Or call Mike directly at (704) 560-1573

Ready to test the strength of your plan?
Schedule a FREE consultation with Mike Zaino today:
MoneyMattersWithMike.com
Call or text: (704) 560-1573

Listen to Previous Episodes: https://moneymatterswithmike.com/episodes/

Connect with Mike: https://moneymatterswithmike.com/contact/ | (704) 560-1573

Subscribe to our YouTube Page: https://www.youtube.com/@MoneyMattersWithMike

About the show:
On the show, you will learn key strategies to help protect and grow your wealth and provide for lifetime guaranteed income. Mike is committed to helping retirees hold onto more of their hard-earned wealth and is a big advocate of helping his clients reduce the total taxes they’ll be required to pay during their retirement.

How to Strengthen Your Retirement Plan This Summer: 5 Smart Moves to Make Now

Mike Zaino — Fri, 13 Jun 2025 20:14:16 +0000

Retirement isn’t just about stopping work—it’s about starting life on your terms. But without the right plan, retirement can become a different kind of stress.

In this episode of Money Matters with Mike, host Mike Zaino and producer Matt McClure walk you through a step-by-step summer checklist to upgrade your retirement plan. Whether you’re five years from retirement or already enjoying your golden years, this episode is packed with practical tips to help you optimize, protect, and enjoy your retirement savings.

What You’ll Learn:

5 crucial steps to improve your retirement plan today
Why Social Security alone isn’t enough (even with higher checks in 2025)
The power of decumulation—and how to shift from saving to spending
The surprising impact of inflation on your future purchasing power
How working with a pro can reduce stress and increase peace of mind

Mike also shares how a free, no-obligation consultation could be the key to turning your nest egg into a confident, sustainable future.

You deserve a retirement that feels like freedom—not fear.

Schedule your consultation:
Visit MoneyMattersWithMike.com
Or call 704-560-1573

Ready to test the strength of your plan?
Schedule a FREE consultation with Mike Zaino today:
MoneyMattersWithMike.com
Call or text: (704) 560-1573

Listen to Previous Episodes: https://moneymatterswithmike.com/episodes/

Connect with Mike: https://moneymatterswithmike.com/contact/ | (704) 560-1573

Subscribe to our YouTube Page: https://www.youtube.com/@MoneyMattersWithMike

Financial Fundamentals: 9 Ways to Retire Comfortably—No Matter What You’ve Saved

Mike Zaino — Fri, 06 Jun 2025 22:18:48 +0000

On this week’s episode of Money Matters with Mike, Mike Zaino and co-host Matt McClure go back to basics and unpack the essential strategies to help you retire confidently—no matter how much you’ve saved so far.

Learn how to:
✅ Maximize your Social Security benefits
✅ Eliminate your mortgage and boost monthly cash flow
✅ Build a personal pension for lifetime income
✅ Make smart, tax-efficient investment decisions
✅ Avoid emotional investing mistakes
✅ Use Roth conversions for long-term tax savings
✅ Create a spending plan that works
✅ Adopt the financial habits of the wealthy

Whether you're nearing retirement or already there, this episode is packed with actionable advice to help you live a comfortable and stress-free retirement.

Ready for a personalized plan? Schedule your free consultation now: MoneyMattersWithMike.com
Call Mike directly at: 704-560-1573

Ready to test the strength of your plan?
Schedule a FREE consultation with Mike Zaino today:
MoneyMattersWithMike.com
Call or text: (704) 560-1573

Listen to Previous Episodes: https://moneymatterswithmike.com/episodes/

Connect with Mike: https://moneymatterswithmike.com/contact/ | (704) 560-1573

Subscribe to our YouTube Page: https://www.youtube.com/@MoneyMattersWithMike

The Truth About Annuities: Not Your Grandpa’s Retirement Tool

Mike Zaino — Fri, 30 May 2025 22:07:35 +0000

This week on Money Matters with Mike, we’re unpacking the truth about annuities — and why they’ve stood the test of time from Jane Austen to Julius Caesar to today’s retirees. Mike Zaino and co-host Matt McClure dive into how annuities work, what makes a good one (and a bad one), and why guaranteed income is so vital in retirement. Plus, we tackle the hidden fees lurking in many portfolios and how to protect your nest egg from market volatility.

Ready to test the strength of your plan?
Schedule a FREE consultation with Mike Zaino today:
MoneyMattersWithMike.com
Call or text: (704) 560-1573

Listen to Previous Episodes: https://moneymatterswithmike.com/episodes/

Connect with Mike: https://moneymatterswithmike.com/contact/ | (704) 560-1573

Subscribe to our YouTube Page: https://www.youtube.com/@MoneyMattersWithMike

From Saving to Spending: How to Master the Decumulation Phase

Mike Zaino — Fri, 23 May 2025 17:08:43 +0000

Your investment strategy should match your age — and your goals. In this episode, Mike and Matt talk about how to transition from saving to spending in retirement, why decumulation is often misunderstood, and how to catch up even if you started late. Plus: the age-appropriate guide to investing in your 40s, 50s, and 60s.

Whether you're nearing retirement or already living it, this episode delivers practical insights to help you retire with confidence — and with a strategy built for your unique goals.

Ready to test the strength of your plan?
Schedule a FREE consultation with Mike Zaino today:
MoneyMattersWithMike.com
Call or text: (704) 560-1573

Whether you’re five years from retirement or already living it, this episode gives you practical, real-world advice to protect your nest egg and retire with confidence.

Tap play now and start taking control of your financial future.

Listen to Previous Episodes: https://moneymatterswithmike.com/episodes/

Connect with Mike: https://moneymatterswithmike.com/contact/ | (704) 560-1573

Subscribe to our YouTube Page: https://www.youtube.com/@MoneyMattersWithMike

Bonus Interview: Healthy Eyes, Healthy Lives: Vision Tips from the National Eye Institute

Mike Zaino — Tue, 20 May 2025 16:52:45 +0000

Guest: Dr. Chantal Cousineau-Krieger, Ophthalmologist, National Eye Institute

️ May is Healthy Vision Month, and Matt McClure sits down with Dr. Chantal Cousineau-Krieger, an ophthalmologist with the National Eye Institute, to explore how your eye health connects to your overall wellness—especially as you age.

We discuss:

How conditions like diabetes and high blood pressure impact your vision
The 20-20-20 rule to reduce screen strain
What foods support healthy eyes
The surprising connection between exercise and eye health
When and how often you should get a complete eye exam
Why early detection is critical—even if you feel fine
What those of us over 40 () need to keep in mind after LASIK or other vision corrections

Whether you’ve been putting off that eye exam or are looking for ways to maintain clear vision into retirement, this episode is a must-listen.

Learn more: https://nei.nih.gov

Whether you’re five years from retirement or already living it, this episode gives you practical, real-world advice to protect your nest egg and retire with confidence.

Tap play now and start taking control of your financial future.

Listen to Previous Episodes: https://moneymatterswithmike.com/episodes/

Connect with Mike: https://moneymatterswithmike.com/contact/ | (704) 560-1573

Subscribe to our YouTube Page: https://www.youtube.com/@MoneyMattersWithMike

Is Your Retirement Built on Income—or Just a Number?

Mike Zaino — Fri, 16 May 2025 22:27:44 +0000

In this episode of Money Matters with Mike, host Mike Zaino and co-host Matt McClure dive into why retirement isn’t about hitting a magic number — it’s about reliable income. Learn how to transform your portfolio into a personal pension, how to align your investments with your goals, and how to reduce risk as retirement approaches.

Plus:
✅ The #1 mistake retirees make with their savings
✅ The truth about pensions (and how to build your own)
✅ Passive income strategies that work
✅ Why working with a licensed financial pro matters

Visit MoneyMattersWithMike.com or call 704-560-1573 for your free consultation.

Whether you’re five years from retirement or already living it, this episode gives you practical, real-world advice to protect your nest egg and retire with confidence.

Tap play now and start taking control of your financial future.

Listen to Previous Episodes: https://moneymatterswithmike.com/episodes/

Connect with Mike: https://moneymatterswithmike.com/contact/ | (704) 560-1573

Subscribe to our YouTube Page: https://www.youtube.com/@MoneyMattersWithMike

Can You Afford to Retire Today? Income, Taxes & the Real Retirement Test

Mike Zaino — Fri, 09 May 2025 17:33:13 +0000

On this episode of Money Matters with Mike, host Mike Zaino and co-host Matt McClure reveal the truth about retirement—it’s not about your age, it’s about your income. Learn how to assess your financial landscape, prevent the dreaded “retirement tax bomb,” and build a sustainable income plan that replaces your paycheck for life. From Social Security strategies and life insurance solutions to spending plans that actually work, this is the retirement reality check you need.

Get peace of mind for your future at MoneyMattersWithMike.com

Whether you’re five years from retirement or already living it, this episode gives you practical, real-world advice to protect your nest egg and retire with confidence.

Tap play now and start taking control of your financial future.

Listen to Previous Episodes: https://moneymatterswithmike.com/episodes/

Connect with Mike: https://moneymatterswithmike.com/contact/ | (704) 560-1573

Subscribe to our YouTube Page: https://www.youtube.com/@MoneyMattersWithMike

Bonus Interview: Crushed by Credit? There’s Hope — with Robin Growley

Mike Zaino — Tue, 06 May 2025 20:39:11 +0000

In this bonus episode, we dive into the importance of tackling credit card debt before it spirals out of control. You'll hear insights from Robin Growley of Bank of America, who shares practical tips and a message of hope for anyone feeling overwhelmed by debt. Whether you're just starting to manage your finances or already feeling buried, this interview reminds us it’s never too late to take control

Whether you’re five years from retirement or already living it, this episode gives you practical, real-world advice to protect your nest egg and retire with confidence.

Tap play now and start taking control of your financial future.

Listen to Previous Episodes: https://moneymatterswithmike.com/episodes/

Connect with Mike: https://moneymatterswithmike.com/contact/ | (704) 560-1573

Subscribe to our YouTube Page: https://www.youtube.com/@MoneyMattersWithMike

Retirement Gameplan: Control, Growth, and Guaranteed Income

Mike Zaino — Fri, 02 May 2025 18:34:46 +0000

Concerned about market volatility and your retirement future? In this episode of Money Matters with Mike, financial pro Mike Zaino and co-host Matt McClure explore how to protect your retirement savings while still enjoying potential growth. Discover how to take control of your 401(k), make smart portfolio adjustments, and avoid devastating mistakes in the retirement red zone. Plus, what you need to know about the "Lost Decade" and how to prevent history from repeating itself. No matter your current financial situation, you’ll learn how to take actionable steps today that your future self will thank you for.

Get peace of mind for your future at MoneyMattersWithMike.com

Whether you’re five years from retirement or already living it, this episode gives you practical, real-world advice to protect your nest egg and retire with confidence.

Tap play now and start taking control of your financial future.

Listen to Previous Episodes: https://moneymatterswithmike.com/episodes/

Connect with Mike: https://moneymatterswithmike.com/contact/ | (704) 560-1573

Subscribe to our YouTube Page: https://www.youtube.com/@MoneyMattersWithMike

Checklist for Confident Retirement: Income, Taxes, Healthcare & More

Mike Zaino — Fri, 25 Apr 2025 19:58:29 +0000

On this episode of Money Matters with Mike, host Mike Zaino and co-host Matt McClure reveal a step-by-step checklist for a secure retirement. From income planning and Social Security strategies to healthcare coverage and tax-saving tips, they cover everything you need to know to retire with confidence — even during chaotic times.

Get peace of mind for your future at MoneyMattersWithMike.com

Whether you’re five years from retirement or already living it, this episode gives you practical, real-world advice to protect your nest egg and retire with confidence.

Tap play now and start taking control of your financial future.

Listen to Previous Episodes: https://moneymatterswithmike.com/episodes/

Connect with Mike: https://moneymatterswithmike.com/contact/ | (704) 560-1573

Subscribe to our YouTube Page: https://www.youtube.com/@MoneyMattersWithMike

Tariff Tantrum: How to Stay Calm and Protect Your Nest Egg

Mike Zaino — Fri, 18 Apr 2025 20:10:54 +0000

Tariffs. Inflation. Market volatility. Retirees and pre-retirees are feeling the pressure—but there’s a smarter way to respond. On this episode of Money Matters with Mike, host Mike Zaino and co-host Matt McClure break down what’s happening in the markets and how retirees should react. Learn why diversification matters now more than ever, how to shift from accumulation to income, and what strategies can help preserve your savings—even in uncertain times.

Get peace of mind for your future at MoneyMattersWithMike.com

Whether you’re five years from retirement or already living it, this episode gives you practical, real-world advice to protect your nest egg and retire with confidence.

Tap play now and start taking control of your financial future.

Listen to Previous Episodes: https://moneymatterswithmike.com/episodes/

Connect with Mike: https://moneymatterswithmike.com/contact/ | (704) 560-1573

Subscribe to our YouTube Page: https://www.youtube.com/@MoneyMattersWithMike

Taxes, Turbulence & Retirement Truths: How to Protect Your Future

Mike Zaino — Fri, 11 Apr 2025 21:22:57 +0000

Retirement can feel like a minefield—especially when taxes, market swings, and health costs come into play. Mike Zaino shares proactive strategies to help you avoid the four biggest threats to your retirement plan.

Topics covered:

How to protect your savings from market downturns
What rising taxes and IRMAs mean for your nest egg
The surprising power of life insurance in retirement planning
Why Social Security’s cost-of-living adjustment may not be enough
How to build a retirement income you can’t outlive

Get peace of mind for your future at MoneyMattersWithMike.com

Whether you’re five years from retirement or already living it, this episode gives you practical, real-world advice to protect your nest egg and retire with confidence.

Tap play now and start taking control of your financial future.

Listen to Previous Episodes: https://moneymatterswithmike.com/episodes/

Connect with Mike: https://moneymatterswithmike.com/contact/ | (704) 560-1573

Subscribe to our YouTube Page: https://www.youtube.com/@MoneyMattersWithMike

Bonus: Tick Tock—Beat the Tax Deadline Before It Bites

Mike Zaino — Thu, 10 Apr 2025 15:16:24 +0000

Procrastinated on your taxes? You’re not alone—but time’s almost up. Matt McClure shares urgent insights from Jackson Hewitt’s Mark Steber on what you must do before April 15 to avoid major penalties. From filing extensions to natural disaster relief, don’t miss this last-minute tax survival guide.

Whether you’re five years from retirement or already living it, this episode gives you practical, real-world advice to protect your nest egg and retire with confidence.

Tap play now and start taking control of your financial future.

Listen to Previous Episodes: https://moneymatterswithmike.com/episodes/

Connect with Mike: https://moneymatterswithmike.com/contact/ | (704) 560-1573

Subscribe to our YouTube Page: https://www.youtube.com/@MoneyMattersWithMike

Bonus Interview: Spring Clean Your Finances for America Saves Week

Mike Zaino — Wed, 09 Apr 2025 14:34:59 +0000

It’s America Saves Week—a perfect time to recommit to those financial resolutions you made in January. In this special podcast extra, Matt McClure speaks with Robin Growley, Head of Consumer Deposits at Bank of America, about smart, simple ways to build your savings. From automating deposits to using the 50/30/20 rule, learn how to set yourself up for financial success—without feeling overwhelmed.

Why saving doesn’t have to be hard

The psychology of naming your savings goals

How to balance debt repayment with growing your savings

Easy tools to help you “set it and forget it”

For more tools and tips, visit americasaves.org.

Whether you’re five years from retirement or already living it, this episode gives you practical, real-world advice to protect your nest egg and retire with confidence.

Tap play now and start taking control of your financial future.

Listen to Previous Episodes: https://moneymatterswithmike.com/episodes/

Connect with Mike: https://moneymatterswithmike.com/contact/ | (704) 560-1573

Subscribe to our YouTube Page: https://www.youtube.com/@MoneyMattersWithMike

Retirement Risks, Recovery, and Reality Checks

Mike Zaino — Fri, 04 Apr 2025 21:33:06 +0000

Worried about market crashes, inflation, or running out of money in retirement? You’re not alone—and this episode is packed with the smart strategies you need to take back control.

Mike Zaino and co-host Matt McClure break down how to rebuild after a downturn, step by step. You’ll learn:

✅ How to perform a “SMART Inspection” of your financial plan
Ways to uncover hidden fees and income gaps
Why you need a backup plan for Social Security
What retirees fear more than death—and how to fix it

Whether you’re five years from retirement or already living it, this episode gives you practical, real-world advice to protect your nest egg and retire with confidence.

Tap play now and start taking control of your financial future.

Listen to Previous Episodes: https://moneymatterswithmike.com/episodes/

Connect with Mike: https://moneymatterswithmike.com/contact/ | (704) 560-1573

Subscribe to our YouTube Page: https://www.youtube.com/@MoneyMattersWithMike

Peace of Mind Through Preparation: Organize Your Retirement Plan Today

Mike Zaino — Fri, 28 Mar 2025 21:16:22 +0000

Is your financial house in order? In this episode of Money Matters with Mike, host Mike Zaino shares practical steps to get organized, reduce financial stress, and prepare for a more confident retirement.

You’ll learn:

How to “spring clean” your finances
The importance of revisiting your financial goals
Tips to clean out your financial junk drawer
How to make the most of retirement contributions
Why updating beneficiaries and estate plans matters
Key risks retirees face—and how to plan around them
The power of a professional portfolio review

Start now to create a future you can enjoy—without second-guessing your finances.

Learn more or schedule a free consultation at MoneyMattersWithMike.com

Listen to Previous Episodes: https://moneymatterswithmike.com/episodes/

Connect with Mike: https://moneymatterswithmike.com/contact/ | (704) 560-1573

Subscribe to our YouTube Page: https://www.youtube.com/@MoneyMattersWithMike

The Money Talk: How to Protect Your Family—and Your Dignity—in Retirement

Mike Zaino — Fri, 21 Mar 2025 19:55:10 +0000

In this powerful episode of Money Matters with Mike, we tackle a topic that too many families avoid—the money talk. Whether you're planning for retirement, already living it, or supporting aging parents, open and honest financial conversations are key to protecting your future and your dignity.

Mike and Matt cover:

Why now is the right time to talk money
How to make your wishes known and protect your legacy
What your family needs to know about your retirement goals
The three phases of retirement—and how to plan for each
How to approach long-term care and healthcare costs the smart way

Don't wait for a crisis to start the conversation. Tune in and learn how to have the talk that can change everything.

Listen to Previous Episodes: https://moneymatterswithmike.com/episodes/

Connect with Mike: https://moneymatterswithmike.com/contact/ | (704) 560-1573

Subscribe to our YouTube Page: https://www.youtube.com/@MoneyMattersWithMike

Home Sweet Home? Deciding Whether to Downsize, Relocate, or Age in Place

Mike Zaino — Fri, 14 Mar 2025 18:00:42 +0000

Is your current home the best fit for your retirement? In this episode of Money Matters with Mike, we explore the pros and cons of downsizing, relocating, or staying put as you age. From emotional ties and social connections to home maintenance costs and financial implications, Mike Zaino helps you weigh your options and make the best decision for your future. Plus, insights on the best retirement-friendly states and the true cost of homeownership in retirement.

Listen to Previous Episodes: https://moneymatterswithmike.com/episodes/

Connect with Mike: https://moneymatterswithmike.com/contact/ | (704) 560-1573

Subscribe to our YouTube Page: https://www.youtube.com/@MoneyMattersWithMike

Your Paycheck is Gone—Now What? Avoiding Retirement Surprises

Mike Zaino — Sat, 08 Mar 2025 01:15:14 +0000

Retirement isn’t just about saving—it’s about protecting what you’ve built. This episode explores the key risks retirees face, from losing their steady paycheck to hidden investment fees that can quietly drain their accounts. Mike Zaino explains how to build a resilient retirement plan, maximize Social Security, and create income streams that last a lifetime.

Listen to Previous Episodes: https://moneymatterswithmike.com/episodes/

Connect with Mike: https://moneymatterswithmike.com/contact/ | (704) 560-1573

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Protect Your Savings & Sanity: Smart Moves for Uncertain Times

Mike Zaino — Fri, 28 Feb 2025 20:27:39 +0000

Market swings got you worried? On this episode of Money Matters with Mike, we’re diving into market volatility, why staying invested matters, and how to protect your nest egg from unexpected downturns. Mike and Matt share smart strategies to safeguard your income, manage risks, and plan for rising healthcare costs—because a confident retirement starts with a solid plan!

Listen to Previous Episodes: https://moneymatterswithmike.com/episodes/

Connect with Mike: https://moneymatterswithmike.com/contact/ | (704) 560-1573

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How to Keep More of Your Money: Tax-Smart Retirement Planning

Mike Zaino — Fri, 21 Feb 2025 22:00:23 +0000

Are you unknowingly sitting on a retirement tax bomb? In this episode of Money Matters with Mike, we break down how your retirement income is taxed—Social Security, IRAs, 401(k)s, pensions, and more. Learn how to create a tax-efficient retirement strategy and explore powerful tools like Roth conversions, QCDs, and tax-smart withdrawal sequencing. Tune in now to keep more of your hard-earned money!

Listen to Previous Episodes: https://moneymatterswithmike.com/episodes/

Connect with Mike: https://moneymatterswithmike.com/contact/ | (704) 560-1573

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Stay Calm & Invest On: Avoiding Panic in a Volatile Market

Mike Zaino — Fri, 14 Feb 2025 22:14:00 +0000

The market is always changing—are you prepared for what’s next? In this episode of Money Matters with Mike, host Mike Zaino and co-host Matt McClure dive into the realities of market volatility, the history of major downturns, and what they mean for your retirement. From the Great Depression to the COVID-19 crash, we explore the lessons history teaches us and how to protect your nest egg from uncertainty.

Listen to Previous Episodes: https://moneymatterswithmike.com/episodes/

Connect with Mike: https://moneymatterswithmike.com/contact/ | (704) 560-1573

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Risk, Reward & Retirement: How to Plan for Long-Term Success

Mike Zaino — Fri, 07 Feb 2025 21:29:57 +0000

How much risk should you take in retirement? What’s the best way to protect your savings? And how do taxes fit into the equation? Host Mike Zaino tackles these critical questions, helping you design a retirement plan that balances growth, safety, and tax efficiency.

Listen to Previous Episodes: https://moneymatterswithmike.com/episodes/

Connect with Mike: https://moneymatterswithmike.com/contact/ | (704) 560-1573

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Bonus Interview: Mark Steber, Chief Tax Information Officer, Jackson Hewitt

Mike Zaino — Thu, 06 Feb 2025 17:40:34 +0000

The IRS is now accepting tax returns for the 2024 tax year. As usual, the deadline to file is April 15th, but if you are thinking of procrastinating, think again! Matt McClure speaks with Mark Steber of Jackson Hewitt Tax Service about importance of filing soon, changes to tax law this year, and more things to consider.

Listen to Previous Episodes: https://moneymatterswithmike.com/episodes/

Connect with Mike: https://moneymatterswithmike.com/contact/ | (704) 560-1573

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Don't Sabotage Your Retirement: The Biggest Blunders to Avoid

Mike Zaino — Fri, 31 Jan 2025 21:17:27 +0000

Many retirees face financial stress not because of bad luck, but because of bad decisions. Join us as we discuss the top missteps people make when planning for retirement and how you can steer clear of them to ensure a secure future.

Listen to Previous Episodes: https://moneymatterswithmike.com/episodes/

Connect with Mike: https://moneymatterswithmike.com/contact/ | (704) 560-1573

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Social Security Smarts: Planning for the Future You Deserve

Mike Zaino — Fri, 24 Jan 2025 20:30:44 +0000

Don’t let Social Security be an afterthought in your retirement planning. We’ll guide you through key decisions, explain how benefits are calculated, and share tips to optimize your financial security.

Listen to Previous Episodes: https://moneymatterswithmike.com/episodes/

Connect with Mike: https://moneymatterswithmike.com/contact/ | (704) 560-1573

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Securing Your Legacy: Why Estate Planning Matters in Retirement

Mike Zaino — Fri, 17 Jan 2025 22:09:59 +0000

Think estate planning is only for the wealthy? Think again! This week, Mike explores why everyone entering retirement needs an estate plan to protect their assets, avoid unnecessary taxes, and make their wishes known. Learn how to navigate the process with professional tips and practical advice.

Listen to Previous Episodes: https://moneymatterswithmike.com/episodes/

Connect with Mike: https://moneymatterswithmike.com/contact/ | (704) 560-1573

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Bonus Episode: Collegiate Athletics Facing Major Changes in 2025

Mike Zaino — Wed, 15 Jan 2025 18:18:20 +0000

College athletics has gone through seismic shifts in the past couple of years, to NIL money, Conference realignments, and expanded College Football Playoff. In 2025, the entire business model is set to change and incorporate Revenue-sharing, possible employee status and more. This month's vignette expands on this further.

Listen to Previous Episodes: https://moneymatterswithmike.com/episodes/

Connect with Mike: https://moneymatterswithmike.com/contact/ | (704) 560-1573

Subscribe to our YouTube Page: https://www.youtube.com/@MoneyMattersWithMike

Fresh Year, Fresh Finances: Strategies for Success in 2025

Mike Zaino — Fri, 10 Jan 2025 23:30:23 +0000

Ready to take charge of your finances in 2025? In this episode, we cover key financial moves to set yourself up for success, from creating a realistic budget to investing for the future. Tune-in for actionable advice to achieve your money goals and start the year strong!

Listen to Previous Episodes: https://moneymatterswithmike.com/episodes/

Connect with Mike: https://moneymatterswithmike.com/contact/ | (704) 560-1573

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BONUS Episode: Hospital patients are even safer today than they were in 2019 — with Dr. Chris DeRienzo, Chief Physician Executive & Senior Vice President, American Hospital Association

Mike Zaino — Tue, 17 Dec 2024 20:28:03 +0000

With Guest: Dr. Chris DeRienzo, Chief Physician Executive & Senior Vice President, American Hospital Association

Hospital patients are even safer today than they were in 2019. That’s according to a new report by the American Hospital Association (AHA). Retirement.Radio’s Matt McClure speaks with Dr. Chris DeRienzo with the AHA about the study, what led to the results, and how lessons learned from the pandemic are helping improve patient outcomes.

Listen to Previous Episodes: https://moneymatterswithmike.com/episodes/

Connect with Mike: https://moneymatterswithmike.com/contact/ | (704) 560-1573

Subscribe to our YouTube Page: https://www.youtube.com/@MoneyMattersWithMike

About the show:
On the show, you’ll learn key strategies to help protect and grow your wealth and provide for lifetime guaranteed income. Mike is committed to helping retirees hold onto more of their hard-earned wealth and is a big advocate of helping his clients reduce the total taxes they’ll be required to pay during their retirement.

Income, Income, Income

Mike Zaino — Fri, 13 Dec 2024 22:35:37 +0000

Income is much more important than one big “nest egg” number in retirement. This week, Mike tells you why that is – and how you can create an income that will help preserve your legacy. Plus, he has details on how you can do some good with your money this holiday season by helping your neighbors still suffering in the aftermath of Hurricane Helene. You’ll learn how you can help the Propane & Power Relief Fund.

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Protecting Your Retirement from Inflation

Mike Zaino — Fri, 06 Dec 2024 21:41:53 +0000

Inflation raises the cost of living, shrinking your savings’ purchasing power. Retirees often rely on fixed incomes like Social Security, which doesn’t always keep up. On this week’s show, Mike discusses some ways to “inflation-proof” your retirement. Plus, he has details on how you can do some good with your money this holiday season by helping your neighbors still suffering in the aftermath of Hurricane Helene. You’ll learn how you can help the Propane & Power Relief Fund.

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Do You Really Have a Retirement Plan?

Mike Zaino — Fri, 22 Nov 2024 17:44:58 +0000

If you have a 401(k), IRA or another retirement account, you may think you have a solid retirement plan. Chances are you’re wrong. Having an account where your money can grow is great, but that doesn’t mean you actually have a plan. This week, Mike discusses why that is – and how working with a financial pro can reap lifelong benefits.

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Bonus Episode: November is National Palliative Care Month! w/ Dr. William Logan, National Medical Director, Carelon Health Palliative Care

Mike Zaino — Tue, 19 Nov 2024 18:02:42 +0000

Guest: Dr. William Logan, National Medical Director, Carelon Health Palliative Care

November is National Palliative Care Month. Seriously ill patients often juggle many doctor visits, complicated medication schedules, and care instructions. They also experience a range of emotions that comes with navigating complex condition management. Serious illness can also affect patients financially because it's common for people with these conditions to end up in the hospital or emergency room on multiple occasions. The goal of palliative care is to improve patient well-being and provide comprehensive, wrap-around support throughout their treatment journey. And when loved ones choose palliative care, caregivers also get the help they need to take better care of themselves.

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Control the Controllables

Mike Zaino — Fri, 15 Nov 2024 21:21:43 +0000

So much happens in our lives that we have no control over. That’s why it’s important to control what you can. This week, Mike has some simple tips for taking the reins when it comes to your finances. You can’t alter the markets on Wall Street, but you can put a plan in place that will set you up for success no matter what happens with stocks.

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Bonus Episode: Happy Veterans Day w/ Guest Lindsey Streeter, Senior Vice President of Global Military Affairs at Bank of America

Mike Zaino — Mon, 11 Nov 2024 19:31:52 +0000

An estimated 180,000 service members transition to civilian life annually, according to the Department of Labor. While veterans play a vital role in our communities and society, they continue to face significant obstacles when entering the workforce. Matt McClure speaks with Lindsey Streeter, Senior VP of Global Military Affairs at Bank of America, about how veterans can make the transition from military to civilian life – and what employers can do to help.

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Learning From the Habits of Wealthy Retirees

Mike Zaino — Sat, 09 Nov 2024 02:48:50 +0000

This time around, Mike highlights some simple habits that will set you up for retirement success. You’ll learn how wise investments and strategic savings can build a bright financial future, even for those who didn't start off wealthy. We will also take a look at the growing national debt and tell you why you should care about how it can affect your retirement plan.

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Set Yourself Up for Retirement Success

Mike Zaino — Mon, 04 Nov 2024 16:04:51 +0000

This week, Mike highlights how for retirement allows you to bring future goals, needs, and concerns into the present. By understanding and preparing for them now, you can take steps today that will shape a comfortable and secure future. Plus, the USA is struggling compared to other countries when it comes to how we plan for retirement.

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Income Planning for Retirement + Info on Social Security

Mike Zaino — Fri, 25 Oct 2024 21:44:08 +0000

Join us as we delve into the world of retirement planning and Social Security. This episode is packed with essential information to help you make informed decisions about your financial future.

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Don’t Bury Your Head in the Sand

Mike Zaino — Fri, 18 Oct 2024 20:48:37 +0000

On this week’s show, Mike analyzes a quote that says burying your head in the sand won’t make you invisible, but it will lead to suffocation. That is especially true when it comes to your finances. Mike will reveal some common problems people face when planning for retirement, and more importantly, he will give you insights on the solutions to those major issues.

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About the show:

On the show, you’ll learn key strategies to help protect and grow your wealth and provide for lifetime guaranteed income. Mike is committed to helping retirees hold onto more of their hard-earned wealth and is a big advocate of helping his clients reduce the total taxes they’ll be required to pay during their retirement.

Social Security Announces Lowest Cost of Living Adjustment in Four Years

Mike Zaino — Wed, 16 Oct 2024 17:31:59 +0000

GUEST: Jenn Jones, VP of Government Affairs, AARP

TOPIC: Each year the Social Security Administration announces the cost-of-living adjustment (COLA) for the upcoming year. Last week, leaders announced a 2.5% COLA for 2025. That is smaller than recent years – attributable to slowing inflation.

COLA increases are meant to offset rising prices including food, gas and living expenses. This year, retirees on a fixed income have struggled to keep up with inflation and the 2025 COLA is expected to provide some relief.

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The Ingredients for a Successful Retirement

Mike Zaino — Fri, 11 Oct 2024 22:07:26 +0000

This week, Mike reveals how truly preparing for retirement means considering healthcare costs, income streams, and unexpected expenses, ensuring you're not just snacking on financial solutions but enjoying a full feast! Embrace the wisdom of tackling problems head-on and learn how to build a robust retirement plan that will see you through life’s ups and downs. Why settle for appetizers when a full-course meal awaits?

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Vision Loss Awareness with Jason Menzo, CEO of the Foundation Fighting Blindness, and Michelle Glaze, Director of Professional Outreach for Foundation Fighting Blindness

Mike Zaino — Fri, 11 Oct 2024 16:34:25 +0000

GUESTS: Jason Menzo, CEO of the Foundation Fighting Blindness, and Michelle Glaze, Director of professional outreach of Foundation Fighting Blindness (Michelle shares her own story about vision loss, as well).

TOPIC: World Sight Day on Thursday, October 10, 2024, focuses the world’s attention on blindness and vision loss and the importance of eye care. To help spread awareness during October’s Blindness Awareness Month, the Foundation Fighting Blindness invites individuals to share their unique experiences with blinding diseases through the social media campaign, #ShareYourVision.

This year’s campaign celebrates the unique and diverse ways in which individuals experience vision loss.

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The Second Fifty: An Indispensable Guide for Living Well, Interview with Debra Whitman, PhD

Mike Zaino — Wed, 09 Oct 2024 17:52:03 +0000

Guest: Debra Whitman, PhD, AARP’s Executive Vice President and Chief Public Policy Officer and former staff director for the Senate Special Committee on Aging

In her groundbreaking new book, Debra Whitman provides a road map for navigating, and celebrating, the second half of life. A globally recognized expert on aging, Whitman shares insights on longevity, brain health, financial planning, work, housing, and the value of relationships and social engagement. Informed by Whitman’s unmatched expertise and her deep passion, The Second Fifty is an indispensable guide for living well in the 21st century whether you are approaching 50, into your later years or caring for someone who is.

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Setting Yourself Up for Success by Taking Action NOW!

Mike Zaino — Fri, 04 Oct 2024 22:22:18 +0000

This week, Mike discusses concrete steps you can take to set your self up for retirement success. He walks you through each decade of your retirement planning journey and points out how your priorities – and strategies – must change as you go along. Listen to this episode to hear how you can have the retirement you’ve always dreamed of!

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Protecting Yourself from Scams & Data Breaches with Michael Bruemmer, Experian

Mike Zaino — Tue, 01 Oct 2024 18:38:35 +0000

Fraud, identity theft and data breaches have become part of our everyday lives. So far in 2024, there have been more than 1,300 data breaches. Last year consumers reported losing more than $10 billion to fraud, the highest dollar amount ever reported, according to the Federal Trade Commission (FTC).

Experian’s 2024 U.S. Identity and Fraud report reveals how consumers feel about cyber threats and their online footprint.

Identity theft (84%) and stolen credit card information (80%) are consumers top online security concerns.
People want more types of identity recognition techniques used to verify their identities.
70% of businesses said that AI fraud is expected to be the second greatest challenge for their business.

WITH GUEST: Michael Bruemmer, Global Data Breach Resolution & Consumer Protection, Experian

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Are You Lost on the Road to Retirement?

Mike Zaino — Fri, 27 Sep 2024 16:13:17 +0000

This week, Mike helps you discover the importance of setting clear goals, estimating costs accurately and creating a robust financial roadmap that can help you navigate the complexities of retirement. It’s time to redefine your destination and boldly stride toward a fulfilling retirement lifestyle.

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Plan Ahead for the Loss of a Spouse

Mike Zaino — Fri, 20 Sep 2024 20:08:38 +0000

This week, the show focuses on difficult, but important, discussions. Thinking about life without your spouse is something nobody wants to do, but it’s essential to plan ahead so everyone is taken care of, no matter what happens. Mike discusses the different ways you can plan so you and your loved ones have peace of mind.

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Why the Small Things Matter When Planning for Retirement

Mike Zaino — Fri, 13 Sep 2024 19:04:31 +0000

On this week’s show, Mike Zaino discusses why it is so important to manage the small things in your financial life. Things like going out to eat too often, having too many monthly subscriptions and carrying a balance on your credit cards can have a huge impact on your overall retirement plan. He’ll share some tips to help get you on track – and stay there.

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Five Retirement Planning Mistakes to Avoid

Mike Zaino — Fri, 06 Sep 2024 16:33:28 +0000

On this week’s show, Mike runs down five mistakes to avoid when it comes to planning for retirement. He’ll also tell you what to do if you find yourself making those mistakes already. Plus, do you understand the power of compound interest? Einstein calls it the eighth wonder of the world! Find out why.

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Navigating Your Finances in Uncertain Times

Mike Zaino — Fri, 30 Aug 2024 19:44:07 +0000

With uncertainty in the markets, reducing risk is very important as you approach your retirement years. On this week’s show, Mike discusses some ways you can reduce risk inside your retirement plan and get to the guarantees. We’ll also talk about some ways to deal with the number one fear of retirees: running out of money. And we’ll have a new Inflation Demonstration, uncovering the relationship between interest rates and (hopefully) slowing down the rise in costs for everyday goods and services.

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New Ways to Recession-Proof Your Finances

Mike Zaino — Fri, 23 Aug 2024 17:31:15 +0000

Recent market turmoil has led to the word “recession” creeping into conversations about the economy. Whether a downturn is around the corner or not, Mike wants you to be prepared, not scared. This week, we will discuss some new steps you can take to protect your finances in case of another 2008, and we will tell you why the old rules may not work anymore. Plus, you can’t put a price on peace of mind. We’ll talk about ways to eliminate worry for a better financial future.

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Wall Street’s Wild Week: Why You Shouldn’t Time the Market

Mike Zaino — Fri, 09 Aug 2024 17:51:31 +0000

Markets go up and markets go down, but how should you react when things swing wildly? This week, Mike has some strategies for withstanding market volatility and protecting your hard-earned money. Even better, you don’t have to give up growth to take risk off the table. Plus, you’ll hear about how to get rid of the IRS as your partner in retirement – and we’ll have some financial landmines you will want to avoid both before and during retirement.

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Are You Ready for Retirement? The Real Risks You Need to Know!

Mike Zaino — Fri, 02 Aug 2024 18:06:11 +0000

Do you know how much risk you’re taking with your finances? On this week’s show, Mike discusses how to reduce your risk as you approach retirement. Timing is key! We’ll also help you discover how to ensure that your retirement is not just an ending, but a new beginning filled with stability and peace of mind. And, the fast food drive-thru is getting more expensive these days. We’ll show you exactly how much pricier things are these days in our Inflation Demonstration.

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Help Wanted? Hire a Veteran | Special Guest Ryan Burgos

Mike Zaino — Wed, 24 Jul 2024 16:28:34 +0000

Special episode today with guest, Ryan Burgos, U.S. Air Force and Army Veteran, Director of National Employment at DAV.

Marking its 10th year in 2024, DAV’s National Employment Program has a decade of first-hand experience and testimony from veterans being connected to lifechanging, meaningful employment opportunities. DAV’s nationwide job fairs are one way that veterans and their spouses are connected to employment opportunities. Since 2014, over 180,000 job offers have been extended to fair attendees across more than 1,000 events.

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Mid-Year Money Moves to Make Now!

Mike Zaino — Fri, 21 Jun 2024 19:47:55 +0000

Remember those New Year’s resolutions you made to start 2024? How are they going for you these days? This week, Mike has some things you can do to give yourself a financial checkup as we approach the halfway point of the year. Plus, he has an update on Social Security and when its trust funds may run out of money. And he discusses the details of different types of annuities so you can determine which may be best for you.

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How to Start Your Own Personal Pension

Mike Zaino — Fri, 14 Jun 2024 18:24:01 +0000

On this week’s show, Mike marks Annuity Awareness Month with a look at how you can build your own personal pension and generate an income for life. Plus, what is your Social Security strategy? We can help you make better financial decisions when it comes to the program. And have you heard of the Iron Nun? She’s got an amazing life story and that makes her our Retiree of the Week!

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Planning for Your Go-Go Years, Slow-Go Years and No-Go Years

Mike Zaino — Fri, 07 Jun 2024 20:03:46 +0000

On this week's show, Mike tells you why there’s a “U-Shaped Spending Curve” in retirement and how you can be prepared for it. Plus, Social Security is getting a bit of a lifeline in the latest government reports, but don’t let that be an excuse to delay planning for a retirement income stream of your own.

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Financial Moves to Make This Summer

Mike Zaino — Mon, 03 Jun 2024 14:22:06 +0000

On this week’s episode, Mike highlights some important money moves to make as you save for your retirement years. Plus, he busts some common financial myths to help listeners understand their money. We also answer more questions from our loyal listeners!

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Understanding Inflation’s Impact on Your Retirement

Mike Zaino — Fri, 17 May 2024 18:42:52 +0000

This week, Mike goes in-depth on inflation and how it impacts your overall retirement plan. He also discusses the importance of having a plan that accounts for inflation – and other factors that you can’t control. Finally, Mike talks about how to establish multiple income streams for your retirement years.

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Five Bad Financial Habits to Break Right Now!

Mike Zaino — Sat, 11 May 2024 01:01:44 +0000

On this week’s show, Mike focuses on some bad financial habits that could be costing you thousands of dollars every month. He shares tips on how to break those habits to get back on track financially. Also, financial education is sorely lacking in this country, according to a new study. Mike will discuss the importance of educating yourself today for a better financial future.

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Don’t Worry, Retire Happy! Practical Tips for Pre-Retirees & Seniors

Mike Zaino — Fri, 03 May 2024 12:00:00 +0000

Peace of mind is something you can’t put a price on. This week, Mike discusses several strategies to help you sleep well at night in your golden years. One suggestion is investing in your own personal pension in an age where workplace pensions have all but disappeared. Plus, we share updates on the national debt and tell you why it could spell trouble for the future of Social Security.

Call Mike today at (704) 560-1573

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What Retirement Looks Like for Americans Today

Mike Zaino — Fri, 26 Apr 2024 11:17:00 +0000

A new generation of Americans is reaching retirement, and the number may shock you. That is just one of the little-known facts we are sharing with you on this week’s show. Plus, Mike will tell you why now may be the best time in history to explore building your own personal pension.

Call Mike today at (704) 560-1573

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Updated Online Budgeting Trends - Interview with Robin Growley

Mike Zaino — Tue, 23 Apr 2024 22:41:14 +0000

In this bonus interview from Retirement.Radio's Matt McClure, we talk with Robin Growley - Head of Consumer Deposits at Bank of America. The two discuss some new online budgeting trends Robin has been tracking and offer advice on how listeners can navigate them.

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The Biggest Retirement Mistakes You Want to Avoid

Mike Zaino — Fri, 19 Apr 2024 00:35:00 +0000

This week, Mike highlights common financial mistakes to avoid for a successful retirement. Tune-in because Number one is the biggest key to unlocking your greatest income potential!

Plus, we share some money moves to make if you’re in your 50s. We will explain how rising prices are impacting everything from household expenses to Social Security in this week’s Inflation Demonstration.

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6 Steps to Get Your Retirement Plan Back on Track

Mike Zaino — Fri, 12 Apr 2024 00:11:00 +0000

Do you feel like your retirement plan isn’t quite where you want it to be? Do you have some doubts about whether you’ll be ready to call it quits from the workforce?

This week, Mike shares six essential steps you should take to get your plan back on track, so you can have the retirement you’ve always dreamed of. Plus, why is Social Security under so much pressure these days? We’ll discuss that – and how you can plan to make sure you’re prepared no matter what happens.

Call Mike today at (704) 560-1573

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The Ultimate Tax Guide for 2024 – What You Need to Know

Mike Zaino — Fri, 05 Apr 2024 23:05:28 +0000

On this episode, Mike highlights some important last-minute tax reminders. Plus, we review the results of a new survey on retirees’ regrets – and also what they love about being retired. Finally, we will test your financial knowledge in a new edition of Right or Wrong.

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The Top Financial Concerns of Retirees Heading into Spring

Mike Zaino — Fri, 29 Mar 2024 12:52:00 +0000

On this week's show, Mike discusses the top financial worries of retirees in America today. You’ll want to listen to number one! Plus, we share some cost-cutter tips to help you make the most out of your financial future. We also discuss the dire situation facing Social Security today – and how you can plan to prepare for it.

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Important Social Security Decisions for Married Couples

Mike Zaino — Wed, 27 Mar 2024 21:41:20 +0000

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Spring Cleaning for Your Finances: Essential Tips to Improve Your Retirement

Mike Zaino — Fri, 22 Mar 2024 14:16:00 +0000

Remember those New Year’s resolutions we all made a few months ago? How are those going for you? Maybe it’s time to revisit and re-commit to them.

On this week’s show, Mike talks about that – and several other tips – that will help you clean up your finances as we head into springtime!

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Seven Alarming Statistics That Will Motivate You to Plan For Retirement

Mike Zaino — Fri, 15 Mar 2024 14:55:00 +0000

How many Americans are actually prepared for retirement? How much do they have saved? This week, we will delve into these questions and more as we check out retirement statistics that will motivate you to seek help and come up with a plan for your own golden years.

Don’t become a statistic – and don’t be afraid to ask for professional help!

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Avoid These Five Retirement Planning Mistakes

Mike Zaino — Fri, 08 Mar 2024 22:52:22 +0000

Mike breaks down five common mistakes that could cause you to stumble along your retirement planning journey. Plus, he shares updates the ever-climbing national debt and what effect that massive number could have on your own financial future.

Finally, why do Americans love pensions so much, even though so few of us have them? Mike shares suggestions to consider if your company does not offer a pension plan.

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Healthcare for Heroes: Options & Benefits for Veterans

Mike Zaino — Wed, 06 Mar 2024 23:54:45 +0000

The Department of Veterans Affairs is announcing that all Veterans who were exposed to toxins and other hazards while serving in the military will be eligible to enroll directly in VA health care on March 5, 2024.

This means that Veterans who were exposed to burn pits, Agent Orange, herbicides, chemicals, nuclear weapons, or other toxins while serving in the military – at home or abroad – will be able to enroll directly in VA health care without first applying for VA benefits.

Retirement.Radio’s Matt McClure speaks with Dr. Shereef Elnahal, Undersecretary for Health at the VA, to find out more about how these veterans can get the help they need.

For More Information: MoneyMattersWithMike.com

Ten Steps to Take to Prepare for a Successful Retirement

Mike Zaino — Fri, 01 Mar 2024 17:03:00 +0000

On this week’s show, Mike shares ten steps to get you ready to retire, especially if you want to leave the workforce in ten years or less. Plus, we will discuss the growing national debt and how it may affect your wallet. And we will share some tips for tax season as we highlight the only two types of tax-free investments available in America today.

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Making Sense of Medicare

Mike Zaino — Wed, 28 Feb 2024 22:21:20 +0000

Medicare can be incredibly confusing, but the good news is that there are people available to help. State Health Insurance Assistance Programs (SHIPs) provide unbiased, free help for those who want to better understand their options. Retirement.Radio’s Matt McClure speaks with Rebecca Kinney of the Administration for Community Living to find out what SHIPs are and how they work.

For more information: MoneyMattersWithMike.com

Common Pitfalls You Want to Avoid in Retirement

Mike Zaino — Fri, 23 Feb 2024 17:16:00 +0000

This week, Mike discusses some obstacles you may run into when planning for retirement. Some things you can control, but others you can’t. You need to have a plan that takes everything into account.

Plus, we will talk about the best time to start saving for retirement – and what you can do if you are behind.

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The Power of ‘Results in Advance’ Planning for Retirement

Mike Zaino — Fri, 16 Feb 2024 00:14:00 +0000

This week, we talk about the importance of ‘results in advance’ planning for your retirement years. It doesn’t mean you have a crystal ball that shows you what’s going to happen, but it does mean you will be prepared for whatever does happen.

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When It Comes to Your Money: Get More in 2024!

Mike Zaino — Fri, 09 Feb 2024 17:22:00 +0000

On this week’s show, we discuss ten ways to get more from your finances in 2024. Plus, do you have some catching up to do when it comes to preparing for your retirement years? If so, we have some actionable, concrete steps you can take to do just that.

Finally, did you know you may have a ticking tax bomb waiting for you in retirement? We will tell you exactly how to defuse it.

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Is Your 401(k) an Asset or a Liability?

Mike Zaino — Fri, 02 Feb 2024 23:11:59 +0000

This week, Mike shares his thoughts on how the 401(k) system has its limits and what you can do to overcome them. Plus, the 60-40 portfolio mix has had a rough couple of years. We’ll talk about why you want to consider replacing your bonds.

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Don’t Fear the Election Year!

Mike Zaino — Fri, 26 Jan 2024 23:33:54 +0000

Politics tend to stir-up passionate emotions regardless of where you fall on the political spectrum. But how big of an impact do politics have on the markets and your money? We share the details on this week’s episode.

Plus, you’ve heard about diversifying your investments, but we explain why it’s also important to diversify your income streams for a better retirement.

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New Year’s Resolutions We Can Help You Keep

Mike Zaino — Fri, 05 Jan 2024 23:38:02 +0000

Every 12 months, when the calendar turns over to a new year, we promise ourselves that we are going to do things like lose weight, work out more, or finally get more organized. How long do those oaths really last?

This year, Money Matters with Mike wants to help you make a real commitment to your future self by helping to organize you and get your financial house in order. On our first episode of 2024, we have some New Year’s resolutions we can actually help you keep!

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Rules to Follow (and Rules to Break) for a Successful Retirement

Mike Zaino — Fri, 22 Dec 2023 21:27:34 +0000

Some financial planning rules should always be followed, but others can be broken under certain circumstances. On this week’s show, Mike helps explain those situations and how to get the help you need. Plus, we discuss what it means to leave a “Smart Legacy” for your loved ones.

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Sports and Apparel Companies are Facing a Rough Holiday Season

Mike Zaino — Thu, 21 Dec 2023 21:47:24 +0000

The holiday shopping season is typically a time of big sales numbers for retailers, but one industry seeing a big decline as of late is the sporting goods and apparel industry.

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Managing Taxes and Building Income Streams for Your Future

Mike Zaino — Fri, 15 Dec 2023 14:18:00 +0000

On this week’s episode, Mike welcomes Eric Allen to the show to discuss how Tranzact Card is helping people fight back against the banks and credit card companies that are getting away with high interest rates by offering disappointing rewards. Plus, Mike shares some tips for reducing your tax liability, and generating some smart income streams for your future.

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How to Build a Smart Retirement Plan for Your Future

Mike Zaino — Fri, 08 Dec 2023 14:54:00 +0000

On this week’s show, Mike breaks down what it means to have a Smart Retirement Plan. Plus, we look at the annual PNC Christmas Price Index (CPI) to illustrate how inflation is affecting your holiday season.

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Take Control of Your Finances for a Better Retirement

Mike Zaino — Fri, 01 Dec 2023 22:15:00 +0000

On this week’s show, Mike shares tips for taking control of your finances BEFORE you decide to retire. Having a plan is essential to avoiding major pitfalls later in life. Plus, what is “sequence of returns risk”? Mike explains why it matters and why it’s important to work with a qualified financial professional to build a plan that keeps your hard-earned savings protected.

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Managing Financial Anxiety with Author and Filmmaker Laura Morton

Mike Zaino — Fri, 17 Nov 2023 23:37:34 +0000

Feeling stressed? On this week’s show, we welcome Laura Morton, an award-winning author and documentary filmmaker. She speaks with Mike and Matt about the current epidemic status of anxiety in our nation, and how the numbers have been rapidly rising in recent years. Particularly among our youth and senior communities.

Finances are a big trigger for people who suffer from anxiety. Especially as the instability of the world seems all around us. We discuss how we can all learn to cope with the stresses we face in modern day life.

Laura's documentary Anxious Nation tackles the anxiety crisis head-on and with genuine honesty. Stream it Here.

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For More Information on Laura Morton: LauraMortonManagement.com

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The Frightening Future of Social Security

Mike Zaino — Fri, 10 Nov 2023 13:18:00 +0000

New survey results reveal many Americans have no plan for retirement beyond Social Security. With the program’s trust fund set to run out of money, what will you do if the government cuts benefits in the future? We’ll talk about it on this week’s show. Plus, Mike has tips on how you can help soften the blow of inflation.

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Are You in the Retirement Redzone? How to Protect What You Have Saved

Mike Zaino — Fri, 03 Nov 2023 21:14:45 +0000

As you get closer to retirement, your financial priorities change. If your golden years are approaching, or if you have recently retired – protecting your hard-earned money from loss is extremely important. More people than ever are worried about outliving their money – we will discuss what to do to overcome those fears.

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Keeping Money Safe During Scary Times for the Markets

Mike Zaino — Fri, 27 Oct 2023 20:53:28 +0000

On this week’s show, we take a look at the scary situation on Wall Street. Market turmoil and recent bank failures have many people searching for safety when it comes to where to put their hard-earned money. Bank CDs are one of the most popular types of accounts for that purpose, but there are alternatives that could be better for you.

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How to Beat Inflation and Protect Your Hard-Earned Dollar’s Buying Power

Mike Zaino — Fri, 20 Oct 2023 23:01:17 +0000

When it comes to retirement planning, a little sacrifice now can help you avoid a lot of regret in the future. On this week’s show, we talk about what it takes to do just that. Plus, the Social Security Cost of Living Adjustment has been announced for next year, but is it keeping pace with the real rate of inflation?

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If You Fail to Plan, You Are Planning to Fail!

Mike Zaino — Fri, 13 Oct 2023 11:13:00 +0000

Do you have a retirement income plan in place? When it comes to your financial future, simply hoping is not a proper plan! On this week’s show, we talk about putting a plan in place to start living the retirement life you have always dreamed of.

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It’s Better to Look Ahead and Prepare than to Look Back and Regret

Mike Zaino — Fri, 29 Sep 2023 23:03:24 +0000

This week, we talk all about the importance of being prepared for whatever may lie ahead. Most people believe taxes are going up in the future, and we probably already know when it will happen. Plus, we play a fresh game of Right or Wrong to test your financial knowledge on several topics. And we talk about how Mike was able to help some recent clients in our Problem Solver segment.

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How to Protect Your Retirement from Inflation

Mike Zaino — Fri, 22 Sep 2023 20:56:19 +0000

Prices are up at the pump, in the grocery store and just about everywhere else. On this week’s show, we take a deep dive into inflation. We’ll tell you what is causing it, who it’s affecting more than others, and give you tips and tricks on how to protect your hard-earned money from rising costs in the future.

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Will Social Security Be Around for Your Whole Retirement?

Mike Zaino — Fri, 15 Sep 2023 21:07:36 +0000

Keeping your emotions out of your retirement plan is almost always a good thing – Mike explains why. Plus, how well do you know the ins and outs of Social Security? We test your knowledge with a special edition of “Right or Wrong?” Finally, we talk about some bad banking habits that could be taking a bite out of your bottom line.

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How to Minimize Fees and Risk in Your Retirement Plan

Mike Zaino — Fri, 01 Sep 2023 14:51:00 +0000

Are you overpaying for your retirement plan? Chances are the answer is yes. On this week’s show we share tips for slashing fees and keeping more of your hard-earned money. Plus, Mike will explain how compound interest can work for you or against you. Finally, we discuss some strategies for getting better returns than your brick-and-mortar bank in our Beating the Bank CDs segment.

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Closing the Gap: How to Catch-Up on Your Retirement Savings

Mike Zaino — Fri, 25 Aug 2023 19:41:24 +0000

On this week’s show, Mike explains how beta and standard deviation factor into your retirement. Plus, Mike discusses ways to catch up on your retirement savings if you are feeling left-behind as you near your golden years.

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Why Social Security is a Ticking Time Bomb for Retirees

Mike Zaino — Fri, 18 Aug 2023 20:31:54 +0000

On this week’s show, we talk about the importance of having an income plan in retirement. Don’t just rely on Social Security for your income in your golden years. With the program counting down to potential collapse, you want to be prepared for whatever happens. Plus, do you know how much you’re paying in fees for your retirement plan? Mike explains how to find out – and what to do if you’re paying too much.

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