Advertise on podcast: E.A.S.E. Into Retirement

✅ Want to see how your home equity fits into your retirement income plan? Let's talk → https://mosleywealthmanagement.com/contact For most Southern California pre-retirees, the house is the largest asset in the plan. And it's almost always the least planned-around one. In this podcast, Travis Hawley, ChFC® with Mosley Wealth Management, walks through three things to understand about your home before you retire. First: the equity audit. The average California homeowner is sitting on hundreds of thousands in home equity, but equity isn't spendable. You can't withdraw 4% of your kitchen. Knowing how much of that equity is genuinely surplus to your housing needs is the starting point for knowing what your home could actually contribute to your income plan. Second: the real downsize math. Most people say they plan to stay, and many should. But there's a difference between deciding to stay and actually running the numbers. Selling costs, closing costs, moving expenses, and the California tax picture on a large gain all add up in ways that surprise people. The number at the end is usually different than expected, and knowing it changes the conversation. Third: what a HECM line of credit actually does. The modern reverse mortgage has a real planning use case that most people dismiss before they ever look at it. Understanding how the line-of-credit option works, and what it costs, is worth knowing before you need it. These three decisions get made calmly before retirement or under pressure after. The window to make them without urgency is the one you're in right now. Advisory services offered through Mosley Wealth Management, Inc. (MWM), an investment adviser registered with the U.S. Securities & Exchange Commission. Advisory services offered by duly registered individuals through MWM and Mosley Insurance & Financial Services are affiliated companies by common ownership. All investments are subject to risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Any references to protection benefits or steady and reliable income streams on this website refer only to fixed insurance products. They do not refer, in any way, to securities or investment advisory products. Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Annuities are not FDIC insured. Neither the firm nor its agents or representatives may give tax or legal advice. Any statements referring to grow your income are not a guarantee or prediction of future performance. State Insurance License #0B61811, Firm CA License #0K76766. Registration as an Investment Advisor does not imply a certain level of skill or training. Mosley Wealth Management, Inc. is a financial advisor serving individuals approaching or in retirement, particularly retirees and pre-retirees in Southern California." For more information go to: www.mosleywealthmanagement.com

"✅ Want to make sure your family has everything they need if something happens to you? Let's talk → https://mosleywealthmanagement.com/contact Most retirement plans are solid on paper. But if your family can't find where the money lives, what policies exist, or who to call, the plan fails at the worst possible moment. In this podcast, Travis Hawley, ChFC® at Mosley Wealth Management, walks through the six things that belong inside what he calls the stop-sign binder: a single, organized resource your family can open and use immediately, without a tutorial, without a six-step login process, and without having to figure it all out while grieving. Here's what's covered: 1. A complete account inventory, every institution, account type, and contact number in one place 2. Every insurance policy, not just life insurance, including long-term care, home, and auto 3. Legal documents and the gaps they reveal, because most retirees have a will but far fewer have the documents that protect them while they're still alive 4. The digital layer, and why a physical backup still wins when it matters most 5. The stop-sign concept, and the one low-tech cue that prevents costly decisions made in grief 6. The annual review that keeps the binder useful instead of turning it into a time capsule Number four is the piece even the most organized families tend to skip. _ _ Advisory services offered through Mosley Wealth Management, Inc. (MWM), an investment adviser registered with the U.S. Securities & Exchange Commission. Advisory services offered by duly registered individuals through MWM and Mosley Insurance & Financial Services are affiliated companies by common ownership. All investments are subject to risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Any references to protection benefits or steady and reliable income streams on this website refer only to fixed insurance products. They do not refer, in any way, to securities or investment advisory products. Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Annuities are not FDIC insured. Neither the firm nor its agents or representatives may give tax or legal advice. Any statements referring to grow your income are not a guarantee or prediction of future performance. State Insurance License #0B61811, Firm CA License #0K76766. Registration as an Investment Advisor does not imply a certain level of skill or training. Mosley Wealth Management, Inc. is a financial advisor serving individuals approaching or in retirement, particularly retirees and pre-retirees in Southern California." For more information go to: www.mosleywealthmanagement.com

✅ Want to see how part-time work could affect your retirement income picture? Let's talk → https://mosleywealthmanagement.com/contact That $30,000 consulting gig in retirement might not be worth $30,000 once the IRS, Medicare, and Social Security each take a turn. In this video, Travis Hawley, ChFC® at Mosley Wealth Management, walks through a hypothetical retired couple to show exactly how part-time income interacts with four distinct tax and benefit mechanisms that most retirees never see coming. Here's what's at work: 1. The Social Security Earnings Test: If you claimed benefits before full retirement age, part-time income above the exempt threshold triggers a temporary withholding on your checks. 2. Social Security Taxability: Adding earned income can pull a portion of your Social Security benefits into the taxable column, even though those benefits were arriving tax-free before. The math here is more layered than most people expect. 3. The IRMAA Surcharge: Medicare premiums are based on income from two years prior. A higher-earning year at 63 can quietly raise your Part B costs at 65, and IRMAA operates as a cliff, not a gradual slope. 4. Roth Conversion Opportunity Cost: Early retirement is often the best window for low-bracket Roth conversions. Every dollar of part-time income competes directly for that space. There's also a meaningful offset worth knowing: self-employment income opens the door to a Solo 401(k), which can shelter a significant portion of what you earn and soften the impact across several of these mechanisms. _ _ Timestamps: 00:00 Introduction 00:34 The Plan That Looked Fine 01:14 Social Security Earnings Test 02:03 Part-Time Work & Social Security 03:51 The Medicare Surcharge 04:58 Roth Conversion Room 06:29 Self-Employment Tax 08:00 Conclusion _ _ Advisory services offered through Mosley Wealth Management, Inc. (MWM), an investment adviser registered with the U.S. Securities & Exchange Commission. Advisory services offered by duly registered individuals through MWM and Mosley Insurance & Financial Services are affiliated companies by common ownership. All investments are subject to risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Any references to protection benefits or steady and reliable income streams on this website refer only to fixed insurance products. They do not refer, in any way, to securities or investment advisory products. 3) Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Annuities are not FDIC insured. Neither the firm nor its agents or representatives may give tax or legal advice. Any statements referring to grow your income are not a guarantee or prediction of future performance. State Insurance License #0B61811, Firm CA License #0K76766. Registration as an Investment Advisor does not imply a certain level of skill or training. Mosley Wealth Management, Inc. is a financial advisor serving Individuals approaching or in retirement, particularly retirees and pre-retirees in Southern California (Anaheim, Arcadia, Encino, Ontario, San Diego areas) who are seeking comprehensive retirement planning. Affluent clients looking for holistic wealth management. People with IRAs, 401(k)s, and accumulated savings who need help transitioning from wealth accumulation to income distribution in retirement." =================================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1 ===================================================  ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐  - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management #RetirementEssentials #HowToRetire #RetirementIncome #RetirementPlanning #RetirementStrategy #FinancialEducation #FinancialLiteracy #HowToRetireEarly #EarlyRetirement #BehindinRetirement #RetirementPlanningAt50 #RetirementPlanningAt60 #HowMuchDoINeedToRetire #RetirementPlanningTips #FinancialAdvisor #SocialSecurity #ROTHConversions #TaxesinRetirement #RetirementPlan #Medicare #Inflation #RetirementIncome #RMDs For more information go to: www.mosleywealthmanagement.com

What's the difference between leaving money and leaving a legacy? Most people spend a lifetime working hard and building wealth but never take the intentional steps to turn that wealth into something that truly lasts. The result? Assets that create confusion, family conflict, or tax burdens that could have been avoided. In this episode, we explore what it really takes to leave a meaningful financial legacy, not just a balance in an account, but peace of mind, shared values, and real opportunities for the people you love most. We cover the decisions that matter most: defining what legacy means to you personally, getting your estate documents in order, understanding the tax consequences your family could face, how to prepare your loved ones for what's ahead, and how to strike the right balance between living fully today and leaving something meaningful tomorrow. Whether you're just starting to think about estate planning or you've been putting it off for years, this episode will help you take the next step. confidence. Chapters 00:00 Intro 00:45 What does legacy mean to you? 01:45 Estate documents 05:08 Tax consequences 07:10 Preparing your loved ones 09:08 Tips to inform your family 10:10 Living vs leaving 11:15 The E.A.S.E. framework Ready to plan your retirement? Do you have specific questions for Travis and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/  #estateplanning #retirementplanning #RetirementStrategy =================================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1 ===================================================   ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐  - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management DISCLOSURE:  Advisory services offered through Mosley Wealth Management, Inc. (MWM), an investment adviser registered with the U.S. Securities & Exchange Commission. Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”)and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the particular needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosely Insurance & Financial Services. For more information go to: www.mosleywealthmanagement.com

Social Security seems straightforward until you realize how many ways it can go wrong. Claiming at the wrong time, misunderstanding spousal benefits, missing a key deadline, these aren't rare mistakes. They take place every day, and most people never see them coming. Travis Hawley cuts through the complexity and gives you a practical, no-fluff look at the decisions that shape your benefits for life. Whether retirement is five years out or five months away, this episode will help you think about one of your most important financial assets. Chapters 00:00 Intro 00:42 #1 Do This 02:39 #2 Don’t Do This 04:32 #3 Do This 05:42 #4 Don’t Do This 07:52 #5 Do This 09:51 The E.A.S.E. framework Ready to plan your retirement? Do you have specific questions for Travis and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/  #SocialSecuirty #SocialSecurityMistakes #SocialSecurityTips #RetirementStrategy =================================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1 ===================================================  ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐  - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management DISCLOSURE:  Advisory services offered through Mosley Wealth Management, Inc. (MWM), an investment adviser registered with the U.S. Securities & Exchange Commission. Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”)and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the particular needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosely Insurance & Financial Services. For more information go to: www.mosleywealthmanagement.com

Risk is hiding in all sorts of areas of your retirement. In this episode, we break down what risk really means in retirement, why it matters more than most people realize, and how to approach it strategically. We'll cover when it makes sense to take risks, how to do it wisely, where it hides in places you might not expect, and who can help you make confident, informed decisions. Whether you're still planning or already living in retirement, understanding these hidden dangers could have a big impact on the decisions you make moving forward. Ready to plan your retirement? Do you have specific questions for Travis and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/ #RetirementRisk #RetirementPlanning #InvestingRisk #RetirementIncome #RetirementMistakes =================================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1 ===================================================  ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management   DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services. For more information go to: www.mosleywealthmanagement.com

Most people spend years worrying about market crashes, bad investments, and running out of money too soon. But there's a quieter, slower threat that's been eroding your financial future the entire time and most people don't see it coming until it's too late. It's inflation. And if you're 50 or older, it could be one of the biggest risks to the retirement you've been planning for. In this episode, Travis Hawley breaks down: •    What inflation is and why it matters more than most people realize •    How rising prices are already affecting your day-to-day cash flow •    Why your retirement savings may not stretch as far as you think •    What you can do now to protect your purchasing power & future Inflation doesn't send a warning. It doesn't make headlines in your personal life. It just quietly reduces what your money can do, year after year, until the retirement you planned for looks very different from the one you're living. If you're serious about protecting your financial future, this is a conversation you can't afford to miss. Ready to plan your retirement? Do you have specific questions for Travis and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/  #Inflation #RetirementPlanning #COLA #RetirementIncome =================================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1 ===================================================  ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐  - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services. For more information go to: www.mosleywealthmanagement.com

Most retirees are blindsided by Required Minimum Distributions, and the taxes they can cause if you're not prepared. In this video, we break down the RMD Tax Domino Effect: how a single mandatory withdrawal can trigger a chain reaction that pushes you into a higher tax bracket, causes more of your Social Security to become taxable, triggers Medicare IRMAA surcharges, and drains your IRA. We walk through a real-world scenario so you can see exactly how this plays out, and more importantly, we cover the tax planning strategies smart retirees use to minimize the damage and protect their retirement income. Chapters 00:00 Intro 00:57 RMDs overview 01:35 RMD Ages 02:10 Required RMD Distribution Amounts 03:50 How RMDs Create a Costly Tax Domino Effect 06:00 Sample Scenario of RMD Impact 10:55 Tax Planning Strategies 14:48 Common RMD Mistakes 🔑 Key Topics Discussed: ✅ What are Required Minimum Distributions (RMDs)? ✅ RMD age requirements under SECURE 2.0 ✅ How RMD amounts are calculated ✅ How RMDs push retirees into higher tax brackets ✅ How RMDs cause Social Security benefits to become taxable ✅ Medicare IRMAA surcharges triggered by RMD income ✅ Roth conversions ✅ Qualified Charitable Distributions (QCDs)✅ Common RMD mistakes and how to avoid them Ready to plan your retirement? Do you have specific questions for Travis and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/  #RMDs #RetirementPlanning #IRA #TaxStrategy #RetirementIncome =================================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1 ===================================================  ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐  - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services. For more information go to: www.mosleywealthmanagement.com

Most people spend decades building their retirement savings, but almost no one spends time preparing for what retirement actually feels like once they get there. That's why so many retirees find themselves feeling lost, bored, or even regretful just months after leaving work… Not because they ran out of money, but because they never figured out how they wanted to LIVE. In this episode, I walk you through 7 essential non-financial questions every pre-retiree needs to ask before making the leap. If you're within 5 years of retirement, this episode could be the most important one you listen to this year. Chapters 00:00 Intro 01:35 Question #1 02:24 Question #2 04:50 Question #3 05:25 Question #4 07:00 Question #5 08:20 Question #6 10:10 Question #7 Ready to plan your retirement? Do you have specific questions for Travis and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/  =================================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1 ===================================================  ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐  - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management #retirement planning #market volatility #investing mistakes #volatile markets #retirement investing #stock market crash #how to handle market volatility #retirement strategy #financial planning for retirement #pre-retirement planning #portfolio management #market crash 2025 #ease into retirement #retirement income #financial mistakes to avoid #emotional investing #timing the market #retirement tips #risk management #retirement security DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services. For more information go to: www.mosleywealthmanagement.com

Market volatility is uncomfortable but it's not the real threat to your retirement. The real threat is how you react to it. In this episode, we break down the 3 biggest mistakes retirees and pre-retirees make when markets get rocky, and more importantly, how to avoid them. You'll also learn how an E.A.S.E. Into Retirement framework can help you stay grounded, strategic, and confident, no matter what the market is doing. If your retirement strategy isn't built to handle volatility, it might be time for a second look. Chapters 00:00 Intro 01:01 Mistake #1 04:44 Mistake #2 08:17 Mistake #3 11:45 E.A.S.E. into Retirement Framework Ready to plan your retirement? Do you have specific questions for Travis and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/  =================================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1 ===================================================  ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐  - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management #retirement planning #market volatility #investing mistakes #volatile markets #retirement investing #stock market crash #how to handle market volatility #retirement strategy #financial planning for retirement #pre-retirement planning #portfolio management #market crash 2025 #ease into retirement #retirement income #financial mistakes to avoid #emotional investing #timing the market #retirement tips #risk management #retirement security DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services. For more information go to: www.mosleywealthmanagement.com

Before you file for Social Security benefits you need to know these key numbers to make the smartest financial decisions for yourself. Understand why you need to know your FRA, why 40 & 35 are so important and what your earnings limits are when you’re on Social Security. Don’t make a move that will cost you money – make sure you have the proper info and can make the best decisions for yourself! 🔔 Subscribe for more retirement planning tips! #SocialSecurity #RetirementPlanning #FinancialFreedomJump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇TIMESTAMPS00:00 The Key Numbers You Need to Know for Social Security00:29 Know Your Full Retirement Age02:29 4004:15 3506:36 $23,40008:20 Know Your Numbers Wrap Up08:51 One Other Number to Know Have specific questions for Tom and the team at Mosley Wealth Management? Contact us here https://mosleywealthmanagement.com/contact/ ==============================================If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1============================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement- Instagram: https://www.instagram.com/easeintoretirement/- LinkedIn: https://www.linkedin.com/company/mosley-wealth-management Learn the key components you need to include in your retirement plan, check this video out: https://youtu.be/QkJzvbZ_gDs #RetirementMoney#Planningforretirement#RetirementIncome#RetirementPlanning#RetirementStrategy#FinancialEducation#FinancialLiteracy#HowToRetireEarly#RetirementPlanningAt50#RetirementPlanningAt60#HowMuchDoINeedToRetire#HowToRetireEarly#RetirementPlanningTips#FinancialAdvisor#SocialSecurity DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766. Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services. For more information go to: www.mosleywealthmanagement.com

How do you make a Retirement Budget? In today’s video, retirement expert Tom Mosley dives into the crucial components you need to include & why understanding these elements are key, no matter your financial situation.Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇TIMESTAMPS00:00 Why You Need a Budget in Retirement01:30 3 Crucial Items Need to Put Together a Budget01:50 Element #102:45 Element #203:40 Element #304:47 How to Put Together Your Budget06:54 What You Need to Adjust as You Dive into Retirement09:03 In all Honesty, how a Financial Advisor Can Help10:20 How to Use Your Budget to Create a Retirement Plan Have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👇 https://mosleywealthmanagement.com/contact/ ===============================================If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1=============================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement- Instagram: https://www.instagram.com/easeintoretirement/- LinkedIn: https://www.linkedin.com/company/mosley-wealth-management Learn the key components you need to include in your retirement plan. Check this video out: https://youtu.be/QkJzvbZ_gDs #RetirementBudget#HowToCreateARetirementBudget#RetirementIncome#RetirementPlanning#RetirementStrategy#FinancialEducation#FinancialLiteracy#HowToRetireEarly#RetirementPlanningAt50#RetirementPlanningAt60#HowMuchDoINeedToRetire#HowToRetireEarly#RetirementPlanningTips#FinancialAdvisor#SocialSecurity DISCLOSURE:Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services. For more information go to: www.mosleywealthmanagement.com

𝗥𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗲𝘅𝗽𝗲𝗿𝘁 𝗧𝗼𝗺 𝗠𝗼𝘀𝗹𝗲𝘆 𝗲𝘅𝗽𝗹𝗮𝗶𝗻𝘀 𝘁𝗵𝗲 𝟲 𝗮𝗿𝗲𝗮𝘀 𝘁𝗵𝗮𝘁 𝗺𝗮𝗸𝗲 𝘂𝗽 𝗮 𝗰𝗼𝗺𝗽𝗿𝗲𝗵𝗲𝗻𝘀𝗶𝘃𝗲, 𝗵𝗼𝗹𝗶𝘀𝘁𝗶𝗰 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗽𝗹𝗮𝗻 & 𝘄𝗵𝘆 𝘆𝗼𝘂 𝗺𝘂𝘀𝘁 𝗶𝗻𝗰𝗹𝘂𝗱𝗲 𝗲𝗮𝗰𝗵 𝗼𝗳 𝘁𝗵𝗲𝗺.You'll learn the difference between retirement investments and a retirement plan, and then be guided through the 6 essential components that you have to address and why. Whether you’re just starting to think about retirement or are nearing that exciting milestone, this video is a great primer for anyone seeking to create a secure and enjoyable future after their working years. Discover why these 6 essential components are so vital to building your retirement plan:💵 Income📈 Inflation 📊Investments😒Taxes 👩‍⚕️Health Care👨🏻‍👩🏽‍👧‍👦🏻Legacy Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS00:00 How to Build a Retirement Plan00:15 A 401K or IRA is not a retirement financial plan.01:15 Income.02:27 Inflation.03:40 Investments.05:00 Taxes.06:45 Healthcare.08:10 Legacy.09:20 Of all the elements, this is the one that can affect all the others.10:10 How to get further help customizing your retirement plan. Have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👇 https://mosleywealthmanagement.com/contact/ ===============================================If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1=============================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement- Instagram: https://www.instagram.com/easeintoretirement/- LinkedIn: https://www.linkedin.com/company/mosley-wealth-management #RetirementPlanning#RetirementEssentials#HowToRetire#RetirementIncome#RetirementPlanning2025#RetirementStrategy#FinancialEducation#FinancialLiteracy#HowToRetireEarly#RetirementPlanningAt50#RetirementPlanningAt60#HowMuchDoINeedToRetire#RetirementPlanningTips#FinancialAdvisor#SocialSecurity DISCLOSURE:Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services. For more information go to: www.mosleywealthmanagement.com

Over 70% of adults 65+ will need long-term care at some point—yet most people aren’t prepared for the financial burden. Will you be? In this episode, we dive deep into:✅ What is Long-Term Care? – From in-home care to assisted living and nursing homes✅ How Much Does Long-Term Care Cost? – The surprising price tag of aging✅ Does Medicare Cover Long-Term Care? – What’s covered, what’s not, and common misconceptions✅ How Do People Pay for Long-Term Care? – Long-term care insurance, family support, or spending down assets✅ Smart Strategies to Fund Your Care – Practical ways to protect your savings and secure quality care This 17 minute podcast will provide you value and give you some things to think about. Learn how to prepare now so you’re not caught off guard. 🔔 Don’t forget to like, subscribe, and share to help others plan for the future!#LongTermCare #Medicare #RetirementPlanning #ElderCare #FinancialPlanning #AgingWisely #SeniorCare Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS00:00 Long-Term Care: The Costly Reality No One Talks About – How to Plan and Pay for it01:10 What Long-Term Care is & the associated costs02:50 How long you may need it03:35 What Medicare covers04:10 How do people pay for Long-Term Care?08:20 Smart strategies to pay for Long-Term Care14:35 How to plan16:15 Share this information16:53 How to get help Have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👇 https://mosleywealthmanagement.com/contact/ ===============================================If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1=============================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement- Instagram: https://www.instagram.com/easeintoretirement/- LinkedIn: https://www.linkedin.com/company/mosley-wealth-management Learn the key components you need to include in your retirement plan, check this video out: https://youtu.be/QkJzvbZ_gDs #RetirementSavings#RetirementPlanning2025#RetirementStrategy#FinancialEducation#FinancialLiteracy#HowToRetireEarly#RetirementPlanningAt50#RetirementPlanningAt60#HowMuchDoINeedToRetire#RetirementPlanningTips#FinancialAdvisor#SocialSecurity DISCLOSURE:Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services. For more information go to: www.mosleywealthmanagement.com

Feeling behind on saving for retirement? Take these 5 steps now to revamp your retirement and get your savings back on track!The reality is retirement planning can feel overwhelming, and too often, people put it off until it’s almost too late. But it’s never too late to make a change. Remember, the best time to start was yesterday, and the second-best time is NOW. Check out these 5 proven actionable tips to help you take control, maximize your savings, and create a fulfilling, worry-free life after work. Stick around, and let’s turn things around—together. 👉 Like, subscribe, and share to help others prepare too!🌐 Visit www.mosleywealthmanagement.com for more resources.Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇TIMESTAMPS00:00 Starting Late? 5 Steps to Fix Your Retirement Now!00:40 #103:02 #205:00 #307:45 #410:45 Recap of the steps & action items you can take now.13:23 How to get more assistance with revamping your retirement Have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👇 https://mosleywealthmanagement.com/contact/ ===============================================If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1=============================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement- Instagram: https://www.instagram.com/easeintoretirement/- LinkedIn: https://www.linkedin.com/company/mosley-wealth-management Learn the key components you need to include in your retirement plan, check this video out: https://youtu.be/QkJzvbZ_gDs #RetirementEssentials#HowToRetire#RetirementIncome#RetirementPlanning2025#RetirementStrategy#FinancialEducation#FinancialLiteracy#HowToRetireEarly#RetirementPlanningAt50#RetirementPlanningAt60#HowMuchDoINeedToRetire#RetirementPlanningTips#FinancialAdvisor#SocialSecurity DISCLOSURE:Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services. For more information go to: www.mosleywealthmanagement.com