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Tim Stearns Podcasts
Retirement planning often gets framed as an all-or-nothing goal, but smart resolutions take a more realistic approach. In this video, we look at retirement through the lens of steady decision-making, manageable goals, and long-term consistency. The discussion focuses on understanding your current situation, making thoughtful adjustments over time, …
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Building a strong foundation is key to approaching retirement with confidence. In this video, we explore the essential steps and strategies that help create a solid base for your financial future. From understanding your goals to organizing your resources, laying the groundwork early can make navigating later stages smoother and more effective. Dis…
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In this video, we explore practical steps to approach retirement and how to organize different aspects of life during this stage. The focus is on planning, making thoughtful choices, and understanding how priorities may shift over time. Topics include finances, daily routines, and personal goals, all considered in a realistic and reflective way. Th…
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A retirement blueprint can be a helpful way to think about the different areas that shape life in later years. This video looks at several pillars people commonly use to organize their thoughts, such as daily lifestyle considerations, financial structure, personal priorities, and long-term planning habits. Each pillar is presented as a lens for und…
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This video explores the process of getting ready for retirement and the different elements that can shape that transition. It looks at how people think about long-term planning, future priorities, and the adjustments that come with a new stage of life. The discussion reflects on common experiences and shifts that often occur when preparing for this…
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In this episode, we explore the role of a financial advisor and how their guidance can help clarify complex money matters. From budgeting and investing to planning for long-term goals, we discuss the ways an advisor can offer perspective, strategy, and support tailored to individual needs. Whether you're navigating major life transitions or simply …
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In this episode, we take a broad look at how to think about and organize your long-term financial future. The video offers general perspectives on approaching retirement planning and invites you to consider what a sustainable path might look like for your own situation. If you're interested in preparing for the years ahead, this overview can help y…
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Giving money can be nice, but giving a financial head start is even better. In this video we explore smart ways to give meaningful financial gifts such as 529 college savings plans, custodial Roth IRAs, and other long-term options that can grow over time. You will learn how these accounts work, the tax benefits they offer, and how to choose the rig…
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In this episode, we discuss how taxes influence retirement planning and explore strategies to manage their impact. The conversation covers how different retirement accounts are taxed, the role of Roth conversions, and the timing of withdrawals and income. It also considers how Social Security and investment decisions fit into a broader tax-aware ap…
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As the year wraps up, it's a good time to take stock of your financial situation and consider any adjustments before heading into the new year. In this video, we discuss practical year-end planning steps, including tax considerations, investment reviews, and retirement contributions. Our goal is to share general insights to help you think through y…
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Halloween and retirement might have more in common than you'd think. This video explores the parallels between the two from the "tricks" that can catch people off guard, like unexpected expenses or poor planning, to the "treats" that come with thoughtful preparation. It's a lighthearted look at how a few small decisions today can shape the experien…
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This video explores 10 practical steps to prepare for retirement, offering a straightforward look at the key financial and lifestyle considerations that can shape your later years. Rather than focusing on quick fixes or lofty promises, it takes a balanced approach to understanding what goes into a secure and sustainable retirement plan. We'll discu…
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In recent months, interest rates have begun to decline after a period of steady increases, raising important questions about what this shift means for the economy. This video examines the key factors behind the fall in rates, including changes in inflation, central bank policy decisions, and broader economic conditions. It also looks at how lower r…
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A 401(k) is often seen as the cornerstone of retirement planning, but it may not be the complete solution many believe it to be. In this video, we take a closer look at what a 401(k) actually is, how it works, and the limitations that come with relying on it as your primary retirement strategy. We'll also discuss some of the factors like taxes, fee…
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Retirement is a milestone we imagine for years, but it feels very different once it finally arrives. It's not just about leaving a career behind—it's about stepping into a whole new chapter of life. In this video, I share reflections on the emotions, changes, and lessons that come with this transition. Retirement offers time for family, hobbies, an…
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In this episode, we take a general look at how interest rates connect with fixed incomes, especially in the context of retirement. The discussion touches on the ways rate changes can relate to financial situations and what that might mean for people who depend on steady income sources later in life. The aim is to offer background and context rather…
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Ever wonder what becomes of the things you've worked hard for after you're gone? This episode takes a closer look at the idea of legacy planning and why it matters. We'll talk about the importance of making your wishes clear, preparing for the future, and thinking through the steps that can help bring peace of mind to you and your loved ones. For m…
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As Labor Day approaches, it's a fitting time to think about the future. In this episode, we explore some important aspects of retirement planning. Whether you're early in your career or approaching retirement, this discussion offers insights to consider as you plan ahead. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit th…
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This episode dives into defensive financial strategies—practical ways to protect your money and stay financially stable during times of uncertainty. Instead of focusing on high-risk, high-reward tactics, defensive strategies emphasize minimizing losses, managing risk, and creating a strong foundation for long-term security. Topics covered include b…
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Market volatility can feel unsettling, especially when you're thinking about your retirement savings. In this video, we break down what market ups and downs really mean in the context of long-term retirement planning, exploring the factors that drive volatility and how it can impact different types of investments. We'll discuss strategies for maint…
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When markets are unpredictable and headlines are filled with uncertainty, it can be hard to know how to move forward with your financial goals. This video explores how to plan confidently during times of market volatility—what to do, what to avoid, and how to keep your long-term strategy intact. It breaks down why volatility happens, how to stay le…
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Retirement isn't a finish line—it's a transition that calls for structure, reflection, and long-range thinking. "5 Pillars of Planning for Retirement" explores key components that often shape a stable retirement strategy: income planning, investment approach, healthcare considerations, legacy intentions, and risk management. This video takes a meas…
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In this video, we take a broad look at some of the more interesting and often overlooked opportunities that can emerge during tax season. From shifting perspectives to timely strategies that are gaining attention, it's a thoughtful discussion on how certain financial moves might align with today's evolving tax landscape. The conversation highlights…
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In this video, we take a closer look at the "Big Beautiful Bill" and what it could mean for your retirement. We break down the real-world implications this legislation might have on your future income, taxes, and overall financial planning. The discussion covers how changes to government spending or policy could shift the landscape for retirees — b…
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As we move into the second half of the year, it's a good time to pause and reassess—not just where the markets are headed, but where we are in our own lives and plans for the future. This episode takes a step back from the noise to look at the broader picture of financial well-being, with a particular focus on how we approach retirement planning as…
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Market ups and downs are part of investing, but they can feel especially uncertain in retirement when you're relying on your savings. This video explores how to think about risk and volatility once you've stopped working, including how to balance growth with protection, why sequence of returns matters, and what strategies might help you stay on tra…
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Retirement brings a new chapter in how people think about money and what comes next. This video explores some of the ways money is managed after working years are over, and how people consider what happens to their finances down the road. There are no promises or specific advice here—just an overview of common themes around money, legacy, and plann…
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This video explores the idea of creating a reliable and sustainable income for retirement, focusing on key principles rather than specific solutions. It encourages thoughtful planning and consideration of various factors that can impact your financial well-being later in life. Whether you're beginning your retirement journey or looking to refine yo…
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Retire Ready Part 2 builds on the foundation from Part 1, diving deeper into the strategies that can help you achieve a secure and stress-free retirement. In this video, we'll explore advanced planning techniques, including tax-efficient withdrawal strategies, Social Security optimization, and ways to protect your assets from inflation and market v…
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Retirement income planning is about more than just saving—it's about understanding how to manage and structure your financial resources to support your lifestyle once you step away from full-time work. In this video, we take a broad look at how people approach planning for income in retirement. From identifying expenses and setting goals to explori…
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Coordinating tax planning is a critical part of preparing for a secure and sustainable retirement. In this video, we explore how various aspects of tax strategy—such as managing income sources, understanding tax-deferred vs. taxable accounts, and timing withdrawals—can work together to support your long-term retirement goals. We also look at how co…
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In this episode, we explore the role of a financial advisor and how their guidance can help clarify complex money matters. From budgeting and investing to planning for long-term goals, we discuss the ways an advisor can offer perspective, strategy, and support tailored to individual needs. Whether you're navigating major life transitions or simply …
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continue reading
In this video, Tim Stearns takes a look at the factors shaping the future of retirement, including economic trends, market conditions, and tax changes. Understanding these shifts can help you stay informed and make better decisions about your retirement planning. Whether you're nearing retirement or just starting to think ahead, this overview offer…
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Planning for retirement is a step that can impact your financial security. The earlier you start, the more time you have to grow your savings, adjust your strategy, and explore financial tools that can support your retirement goals. Whether you're just beginning to save or reassessing your long-term financial outlook, taking action sooner rather th…
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Many people believe luck plays a big role in retirement—hitting the jackpot with investments, getting an unexpected inheritance, or simply avoiding financial setbacks. But is luck really a strategy? In this video, we break down the key differences between relying on chance and building a solid retirement plan. From smart investing and tax strategie…
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Preparing for retirement is one of the most important financial steps you'll take in life. In this video, we'll break down key strategies to help you build a solid retirement plan, from maximizing your savings and investments to understanding Social Security and managing expenses. Whether you're just starting or getting close to retirement, we'll c…
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Retirement brings a new phase of financial planning, and taxes remain an important part of the equation. Understanding tax opportunities can help retirees make the most of their income. This video breaks down strategies like Roth conversions, managing required minimum distributions (RMDs), and making tax-efficient withdrawals from different account…
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Planning for retirement is a step that can impact your financial security. The earlier you start, the more time you have to grow your savings, adjust your strategy, and explore financial tools that can support your retirement goals. Whether you're just beginning to save or reassessing your long-term financial outlook, taking action sooner rather th…
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Tax season can be complicated, with changing laws, deductions, and filing deadlines to keep track of. This video covers important factors to consider when preparing your taxes, from common mistakes to potential ways to optimize your return. Whether you're filing on your own or working with a professional, understanding these key points can help mak…
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In Part 2, Tim Stearns continues exploring the key factors shaping the future of retirement. This time, he dives deeper into how evolving market conditions, legislative changes, and long-term economic trends could impact your financial security. Staying ahead of these developments is crucial for making informed retirement decisions. Whether you're …
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In this video, Tim Stearns takes a look at the factors shaping the future of retirement, including economic trends, market conditions, and tax changes. Understanding these shifts can help you stay informed and make better decisions about your retirement planning. Whether you're nearing retirement or just starting to think ahead, this overview offer…
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Long-term care is an important topic that often gets overlooked until it's needed. In this episode, we'll discuss what long-term care involves, why it's something to consider, and the steps you can take to prepare. Whether it's for yourself or a loved one, understanding your options can help you make informed decisions and avoid unnecessary stress …
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