The Retirement Playbook

The Retirement Playbook

hughesretirementgroup.com
Financial Play-Calling for Your FutureFor a fresh spin on the world of retirement, tune in to The Retirement Playbook with Rick and Granger Hughes. Committed to providing the best financial education, this father and son combo blends traditional ec…


Low Interest Rates and the Retiree
Nov 11 • 25 min
The Fed cut interest rates at the end of October (the third cut in as many months), which is great for car loans and credit cards… but what about retirement savers? This week Rick discusses ways to offset low interest rates in retirement.
The “Science” of Retirement
Nov 4 • 24 min
Thanks to a historically long bull market run, many retirees and pre-retirees have become overconfident about how much money they think they’ll be able to safely withdraw in retirement. This week, Rick & Granger how using a little bit of science can help…
Taxes: Then and Now
Oct 28 • 24 min
33 years ago, President Reagan signed the Tax Reform Act of 1986, which lowered the then-top tax rate for ordinary income from 50%-28%. But could we see that top tax rate get that high again? Rick and Granger discuss the possibility, and discuss how to…
Black Monday
Oct 21 • 25 min
32 years ago, the Dow lost 22% of it’s total value in a single day in an event known as “Black Monday.” This week, Rick and Granger talk about whether or not something like that could happen again, and how to prepare for it if it did.
Rules of Thumb
Oct 14 • 26 min
In 1994, the 4% rule (which said you could spend 4% of your nest egg annually and have an enjoyable retirement) was established. That was 25 years ago, and 25 x 4= 100% of a nest egg being gone by now if that rule were followed. This week, Rick and…
The “Risk” of Living Too Long
Oct 7 • 26 min
How do you plan for a trip when you’re not sure how long it will last?That’s a similar problem many face as they approach retirement, and this week Granger discusses how to make those long-term plans. Also: when is enough when it comes to helpign out your…
Sequence of Returns
Sep 30 • 25 min
There are many things that can be controlled as you enter retirement. One of the things you can’t control is when a market correction happens. This week, Granger discusses ways to safeguard yourself in the event that a correction happens late, or even…
The Importance of Trust
Sep 23 • 26 min
Developing a plan that takes you to and through retirement means creating a relationship that will last you the rest of your life. So it only makes sense that you trust the person you’re in this relationship with. This week, Rick discusses the importance…
“De-risking” Your Nest Egg
Sep 16 • 25 min
As you get closer to leaving the workforce, the concern about market risk seems to increase. This week, Rick & Granger discuss ways to reduce that risk.
Planning Mistakes, RMDs and Roths
Sep 9 • 29 min
This week Granger discusses common planning mistakes pre-retirees make in the years leading to retirement. Also, the similarities between coaching in football/basketball and retirement planning.
How Much Is Enough for Retirement?
Aug 19 • 27 min
This week Rick discusses how there’s no “magic number” to answer that question. Plus, what a board game can teach us about our retirement plan.
Chickens and Your Nest Egg
Aug 12 • 30 min
Granger gives tips on how to keep from spending down your principle in retirement, plus when is it too early to start thinking about RMDs? (Apologies in advance for the number of bird puns in this week’s episode.)
Anxiety and Inflation
Aug 5 • 26 min
60% of Americans say they’re anxious about market investing due to the potential of a market crash. This week, Granger discusses whether that anxiety is warranted, and how to hopefully alleviate some of it as you approach/enter retirement.
Interest Rates and 401ks
Jul 29 • 26 min
This week Rick talks about what a potential project interest rate cut could do to your retirement plan, as well as how to navigate around it.
The British Open and Your Retirement
Jul 22 • 27 min
What can what was arguably the worst collapse in the history of the British Open teach you about retirement? Granger discusses this, as well as how your own life insurance policy can be used during your lifetime.
Will Your Budget Change In Retirement?
Jul 15 • 26 min
Will your budget change in retirement? Almost certainly, although not how you may expect. This week Rick discusses what may occur, and how to stretch that nest egg further.
Bernie Sanders and Your Retirement
Jul 8 • 26 min
Rick and Granger talk about the need to be emotionally detached to your retirement plan and weigh in on Bernie Sanders’ tax plan to eliminate student debt… And how that plan could affect your retirement.
Fear of Spending
Jul 1 • 26 min
After leaving the working world behind, a lot of retirees are hesitant to actually enjoy their retirement out of fear of running out of money. Rick and Granger discuss ways to alleviate that fear.
The First Years of Retirement
Jun 24 • 25 min
You’ve left the working world behind… now what? This week, Rick discusses how to “make the most” of the first few years of your retirement. Also, how to know you’ve got the right guy in your corner when it comes to financial advice.
“Finalizing” Your Retirement Plans
Jun 10 • 26 min
When should you have the details on your retirement plan worked out? Possibly sooner than you think. Also: the dangers of not having a strategy to social security claiming or healthcare costs in retirement.
Generating Income In Retirement
Jun 3 • 25 min
While retirement is traditionally a time for the distribution of your assets, it’s still important to continue generating income as well. This week, Rick and Granger discuss ways to do that, as well as how to potentially reduce tax obligations.
The Importance of Stress Testing Your Retirement Plan
May 27 • 24 min
How would an upcoming market correction affect your retirement plan? Granger discusses the importance of testing your plan before you leave the 9-5 for the last time.
Roth IRAs, RMDs and Annuities
May 20 • 26 min
Granger and Jeremy Smith have fun with some retirement alphabet this week, discussing the pros and cons of Roth IRAs, the things you need to know about RMDs, and the importance of a portfolio stress test.
Retirement Challenges For Women
May 13 • 27 min
Rick and Granger discuss the things women should be aware of when it comes to retirement, and the importance of having both spouses aware of the plan.
The Future of Social Security and Tax Efficiency
May 6 • 26 min
Rick and Granger discuss the recent federal warning the our Social Security Trust may run out of money by 2035.
Financial “Chores” and Hard Conversations
Apr 29 • 29 min
Rick and Granger discuss the chores and tasks people would rather do than deal with financial planning and the need to sometimes have conversations with clients that they may not want to hear.
Investing Risk and 401k Leakage
Apr 22 • 27 min
Rick and Granger discuss common retirement myths, the investing risk pre-retirees get as they get closer and closer to retirement, and the perils of withdrawing from your 401k too early.
Tax Freedom Day and the Bucket Approach
Apr 15 • 28 min
Rick Hughes discusses what Tax Freedom Day is, a proposed bill in DC that would allow you to save your money longer, and what people often get wrong about putting money into a retirement account.
Long Term Care Alternatives and RMD’s
Apr 8 • 28 min
Rick and Granger discuss long term care policy alternatives and what to do if you decide to take more than the “required minimum” when it comes to taking your RMDS (required minimum distributions).
Longevity Risk and Pension Buyouts
Apr 1 • 24 min
The #1 fear for most retirees is outliving their money. Rick discusses how to address that “longevity risk” as well as the pros and cons of pension buyouts, which can now be offered even after retirees are already collecting a pension.
Financial Check-Ups & Deciding When to Retire
Mar 25 • 26 min
Rick compares the discipline of student athletes the discipline of retirees, the importance of a financial check-up, and tax saving strategies that can still be used on 2018 taxes.
New Tax Proposals and Looking Forward to the Next Market Crash
Mar 18 • 25 min
Rick & Granger discuss a proposed bill that would tax stock trades, changes to Medicare Advantage in 2019, and why the next market correction could actually be a good thing for you.
Retirement Countdown
Mar 11 • 27 min
Rick and Granger discuss the things you should be doing to prepare for retirement, whether you’re ten years, five years, or even three months away from leaving the 9-5.
Converting Savings Into Income, Rolling 401ks to IRAs, RMDs
Feb 25 • 28 min
Granger discusses the transition period of converting savings into lasting income, the advantages of rolling 401ks into IRAs, and RMDs, or Required Minimum Distributions.
The Rising Cost of Healthcare, Minimizing Retirement Taxes
Feb 18 • 27 min
Rick and Granger discuss alternatives to the high costs of long term care policies, navigating the ups and downs of the market in retirement and how to budget for expenses that could be more than double your social security benefit.
Age Gaps In Retirement, Leaky Financial Pipes
Feb 4 • 27 min
Rick discusses how an age gap between spouses could affect retirement, what having a financial advisor help you with Social Security can do for your bottom line vs going it alone, and how to take advantage of the current tax cuts that are in effect.
Going Broke in Retirement, Annuities and Growth
Jan 28 • 26 min
Going Broke in Retirement, Annuities and Growth
The most overlooked issue in retirement planning, CD alternatives, and more….
Jan 21 • 26 min
The most overlooked issue in retirement planning, CD alternatives, and more….
How much it takes to retire comfortably, warning against complacency, and more….
Jan 12 • 25 min
How much it takes to retire comfortably, warning against complacency, and more….
How much you’ll need in retirement, Roth IRA conversions, Fixed Indexed Annuities
Jan 5 • 28 min
How much you’ll need in retirement, Roth IRA conversions, Fixed Indexed Annuities
Measuring investment success, baby boomer retirement concerns, and more….
Dec 23, 2018 • 28 min
Measuring investment success, baby boomer retirement concerns
The New World of Retirement Workshop!
Dec 19, 2018 • 1 min
The New World of Retirement Workshop!
When to claim Social Security , Emotional Investing, Guaranteed Income, and more!
Dec 9, 2018 • 25 min
When to claim Social Security , Emotional Investing, Guaranteed Income, and more!
Retirement Planning Mistakes, Balancing Investments and Guaranteed Income.
Dec 3, 2018 • 27 min
Retirement Planning Mistakes, Balancing Investments and Guaranteed Income.
The difference between different types of annuities!
Nov 26, 2018 • 27 min
The difference between different types of annuities
Regrets/ tax planning in retirement, future healthcare preparations, and more!
Nov 18, 2018 • 25 min
Regrets/ tax planning in retirement, future healthcare preparations, and more!
Market Correction, Lotteries, Pensions, and Annuities
Nov 4, 2018 • 27 min
Rick and Granger discuss market correction, lotteries, pensions, and annuities
Required Minimum Distributions Pre-planning and Saving beyond 401k’s
Oct 28, 2018 • 30 min
Required Minimum Distributions Pre-planning and Saving beyond 401k’s
Market pullback concerns, living on more than social security, and measuring up to others in retirement!
Oct 22, 2018 • 25 min
Market pullbacks, living on more than social security, measuring up to others in retirement
Fixed Index & Variable Annuities, Lifetime Income Strategies, and more!
Oct 19, 2018 • 24 min
Rick and Granger discuss annuities and life-time income strategies.
Maximizing your Social Security in Retirement & Tax Strategies
Oct 19, 2018 • 25 min
maximizing your social security in retirement, good tax strategies, and planning for taxes in retirement.
Fees, knowing what you’re paying for, retirement myths and mistakes!
Oct 16, 2018 • 24 min
Interest rate hikes, Fees & knowing what you are paying, retirement myths, and mistakes
How a Market Crash could affect Retirement
Oct 11, 2018 • 25 min
How a market crash could affect retirement.