A million dollars sounds like a nice number, but is it necessary to have the retirement that you want? Jay Kirkwood explains that being a millionaire isn't what it used to be and that retirement planning should focus on creating a comfortable lifestyle rather than reaching a specific number.

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On this podcast, Jay Kirkwood discusses several things that need to be taken into consideration before making the retirement decision.

• Are you mentally ready for retirement, or would you rather continue working?
• Are you financially ready for retirement?
• Have you taken into consideration factors such as Medicare, Social Security, taxes and estate planning?
• Are you aware of RMD laws and the potential impact on Medicare premiums and Social Security taxation?
• Do you have a comprehensive retirement plan? Have you considered meeting with a financial professional?

To learn more about Jay and the team at Secure Financial Management, including their "Get Me To Retirement" 5-Step Process, go to www.clearskiesretirement.com

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On this podcast, Jay Kirkwood discusses the danger of having too much junk in your financial life, using the analogy of a cluttered garage. He shares a story of a client who had 88 positions in his investment account and explains the importance of having a clear reason and story for each position. Jay also highlights the risk of overlapping investments and lack of diversification. He emphasizes the need for a comprehensive analysis of one's financial situation to ensure a more secure retirement.

To learn more about Jay and the team at Secure Financial Management, including their "Get Me To Retirement" 5-Step Process, go to www.clearskiesretirement.com

See omnystudio.com/listener for privacy information.