Episode 63: "Refinancing Your Retirement in 2025: What You Need to Know

Interest rates have shifted—so what does that mean for your retirement strategy? In this episode, we break down the concept of refinancing your retirement and how it differs when rates are low versus when they’re high. Whether you’re looking at annuities, bank investments, or Roth conversions, understanding the right move for your financial future is key. Here’s what we cover: ✅ How today’s interest rates impact your borrowing and investment decisions ✅ The pros and cons of refinancing retirement assets ✅ Why annuities might—or might not—be a good fit ✅ The role of Roth conversions and why some investment firms avoid them ✅ When a Roth conversion might not be the best option If you're thinking about repositioning your retirement assets, this is a must-watch! Don’t make a move without the right information.
Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 Interest Rates in 2025 – Time to Refinance Your Retirement 04:10 Refinancing your retirement (annuities) 15:05 Different products provide different solutions 20:20 First question always is what do you want it to do 32:50 Refinancing your retirement (Roth Conversions. The good & bad.) 40:45 Why some investment companies don’t want to deal with Roth Conversions. 45:35 Why Roth conversions may NOT be the right thing to do. 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
#ROTHConversion2025 #RefinanceYourRetirement #Annuities #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementPlanning #RetirementStrategy 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.









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