Advertise on podcast: LaTour Retirement Talk

Is your retirement portfolio truly diversified, or are you unknowingly taking on more risk than you realize? We explore the importance of spreading investments across different asset classes, including stocks, bonds, annuities, and cash, and why owning multiple funds doesn't necessarily mean you're diversified. We also discuss how the right mix of investments can help manage market volatility, protect your savings, and provide greater financial confidence as you approach retirement.

As the year comes to a close, we discuss important financial tasks to tackle before December 31st and how missing certain deadlines could lead to costly mistakes. We cover required minimum distributions, qualified charitable distributions, Roth conversions, and the importance of reviewing your budget, retirement contributions, and beneficiary designations. We also explore why evaluating your investments, reassessing your risk tolerance, and reviewing Medicare options can help ensure your financial plan stays aligned with your goals heading into the new year.

During this episode, we'll cover nine ways to thoughtfully handle a sudden windfall.

During this episode, we’ll examine seven common investment behaviors that may undermine retirement security.

During this episode, we'll cover how to set and prioritize short-, mid- and long-term financial goals.

During this episode, we'll cover 10 different strategies retirees could consider for generating income in retirement, along with the benefits and drawbacks of each.

In this episode, we break down essential strategies to help you maximize your Social Security income in retirement. We discuss the importance of checking your earnings record for accuracy, how continuing to work can potentially boost your overall benefits, and key rules regarding annual earnings limits. Plus, we explore optimal timing for claiming benefits, coordinating spousal benefits, and the critical role taxes play in your long-term retirement strategy.

Navigate the complexities of Social Security to build a solid foundation for your retirement income strategy. In this episode, we unpack essential filing rules, the impact of full retirement age, and how to maximize benefits through delayed claiming and spousal strategies. Plus, we address common fears around the future of Social Security and explain why taking a personalized approach to your timing is crucial for long-term financial success.

In this episode, we dive into the true meaning of portfolio diversification and why simply holding multiple mutual funds or stocks might just be an illusion of safety. We discuss the essential components of a well-rounded financial strategy, including the roles of equities, bonds, annuities, cash reserves, and alternative assets like real estate. Finally, we highlight why true diversification must extend beyond asset types to encompass risk tolerance, market response, and strategic tax planning tailored to your personal goals.

During this episode, we’ll explore what research consistently shows makes retirement genuinely fulfilling.

We sat down with guest Lisa Schreiber, Portfolio Manager with Gradient Investments, to discuss key insights and practical strategies for securing your financial future. Tune in as Lisa breaks down the biggest financial trends impacting everyday investors today.

During this episode, we’ll consider how to determine how much monthly income you’ll need to maintain your preferred lifestyle during retirement.

Most people fill out their beneficiary forms once and forget about them, leaving outdated names on major accounts like 401(k)s and life insurance policies. In this episode, we tackle the essentials of beneficiary planning and explain why these documents completely override the instructions in your will. Discover the critical adjustments you need to make right now to ensure your hard-earned money actually goes exactly where you intend.

Your retirement isn't just a single date—it's a timeline filled with critical age milestones, from early distribution rules at 59.5 to required minimum distributions (RMDs) later in life. This episode breaks down the essential dates you need to circle on your calendar to maximize your tax strategies and avoid costly IRS penalties. Tune in to learn how to time your transition from saving money to smoothly spending it.

Navigating the complexities of retirement accounts doesn't have to be daunting, especially when it comes to accessing your hard-earned savings. This episode breaks down the critical differences between IRA and 401(k) withdrawal rules, including the specifics of the 59½ age threshold and potential early distribution penalties. Tune in to learn strategic timing and tax implications that will help you keep more of your money while avoiding costly IRS surprises.