Episode 18: "Refinance Your Retirement"

While higher interest rates are not optimal for refinancing a home, they can be great for refinancing your retirement! In today’s insightful show, Kristen and Tom present compelling reasons why now is an ideal time to reevaluate your investments and capitalize on the benefits of higher interest rates. They detail how you can take advantage of improved returns on CDs, money markets, and even the latest fixed indexed annuity products. Generating more retirement income isn’t just about chasing yields. Kristen and Tom also guide you through the strategic merits of consolidating your 401(k)s and IRAs and explain how this powerful move can open doors to better diversification, improved interest rates, and streamlined management of your hard-earned savings. Whether you're already in retirement or still accumulating savings, this podcast is a must-listen for anyone seeking to optimize their investment income and overall retirement planning approach. Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 Refinancing your finances overview. 04:56 Why timing is of the essence. 07:30 Examples of how to use the higher interest rates. 10:30 How investment strategies should change. 14:30 Why switching to more principal protected investments could make sense. 17:30 How increased interest rates could hurt investments. 20:58 How increased interest rates can affect your investments. 30:22 How a retirement blueprint/plan can help you assess what actions to take. 35:20 What happens at an initial advisor meeting? 39:10 Client example 42:24 Listener questions 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  #InterestRates #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 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...