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Join us each week for important financial and retirement planning guidance on the Retire With Freedom Podcast with Tad Hill, RFC, CRPC® & Toni Hill, RFC of Freedom Financial Group. Tad and Toni will talk about important topics related to your IRAs, 401(k)s, Social Security, and more. They'll help you understand things like market volatility, risk, annuities, and so much more. Freedom Financial Group helps you manage all the pieces of your retirement plan so you can retire with confidence. If ...
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In this episode, Tad and Toni share a few critical questions you need to ask yourself as you prepare for retirement. They discuss common misconceptions about downsizing your home, the realities of retirement expenses, and the importance of having a solid income plan before you step into this new season of life. For example, if you’re thinking about…
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Are you getting a tailored retirement plan or just a sales pitch? In today’s episode, you’ll learn how to recognize whether a financial advisor is looking out for your best interests or merely trying to sell you products. Stay tuned as we share some client stories, give you some red flags to look out for, and caution that credentials alone don’t gu…
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When it comes to retirement planning, many people believe they've got it all figured out. "I'm averaging 7-8% on my investments," they say, for example, confident that this will carry them through their golden years. But is this confidence misplaced? Stay tuned as we explore some of the flawed calculations that many retirees make regarding their fi…
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Creating a customized retirement plan for someone often means addressing unique challenges along the way. Whether you face a health problem, a job loss, or a roof leak, life has a way of throwing unexpected hurdles at us. In today’s episode of Retire With Freedom, Tad and Toni discuss some of the unique challenges they’ve helped clients with throug…
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A retirement plan isn’t something that you create once and put on a shelf to gather dust. You want to make sure it’s working to support your retirement dreams with growth and preservation. Join Tad and Toni as they explore the importance of crafting and adjusting your personalized financial plan. From handling market ups and downs to dealing with u…
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Crafting a written financial plan for retirement is critical, yet shockingly, only 43% of Americans have one. Just like a football coach wouldn't step onto the field without a game plan, your financial future shouldn’t be left to chance without a solid strategy in place. In today's episode, we're focusing on why having a well-crafted financial plan…
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Many people consider or plan to work part-time in retirement. Maybe you’re thinking about pursuing a passion or leveraging a skill set for some additional income. While the idea of working part-time in retirement is appealing, it’s important to recognize that these plans don’t always unfold as expected. Unfortunately, the nature of post-retirement …
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Crafting the right retirement nest egg recipe for you requires a unique blend of financial ingredients. Like cooking, where each dish benefits from a thoughtful combination of flavors, retirement planning is about finding the perfect balance that suits your tastes and goals. And with this, it’s important to avoid any mixes that could be toxic to yo…
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Every successful financial story begins with a clear understanding of where you want to go and how you’re going to get there. Think of it like taking a road trip, where you need gas in the tank, air in the tires, and a GPS to help you stay on track. Without a proper plan, it can be easy to lose your way. While many people try to take the DIY approa…
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Navigating retirement planning is no easy feat, and today's middle-aged adults, typically in their 40s and 50s, find themselves in what's known as the "sandwich generation." Juggling the financial support of both elderly parents and their own children, this dual responsibility often slips under the radar when planning for retirement but is very imp…
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In today's volatile market environment, having a solid financial strategy is essential. But despite what some financial professionals might try and tell you, this process isn't just about balancing stocks and bonds. Join us in this episode as we talk about the importance of crafting a financial roadmap tailored to your life. We dive into the intric…
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The stock market can be unpredictable, taking your hard-earned money on quite the thrill ride. In this episode, we explore the challenges many face when navigating the highs and lows of the market and discuss strategies to ensure a smoother ride for your nest egg. Throughout this conversation, we discuss why a good retirement plan goes hand-in-hand…
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Retiring at 55, Investing in Foreign Currencies and More! Mailbag Episode
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Join us as we answer some listener questions in today’s episode. These episodes are a great way for you to learn from real-life financial planning questions. One listener is considering retirement at the age of 55 and wants to know if it's a bad idea. Another listener asks Tad and Toni what their thoughts are on investing in foreign currencies. Sti…
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Rethinking Retirement: Challenging Conventional Wisdom
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In today’s episode, we’re going to challenge conventional wisdom surrounding retirement planning. For example, is a mortgage always considered “good” debt for everyone? Or is changing investments when they're not performing well the right solution? Stay tuned as we chat about some of these commonly held beliefs and the importance of having a well-r…
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The question ‘When can I retire?’ is one we get quite often. Rather than viewing retirement as a fixed dollar amount or an age milestone, it's a complex question that requires careful analysis. Unfortunately, many investment brokers and media personalities offer generic advice without understanding individual circumstances. But your retirement date…
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In today’s episode, we’re talking about some undeniable retirement planning truths: people are living longer, involuntary retirement is becoming more common, healthcare costs are rising, and the stock market remains unpredictable. Preparing for retirement looks vastly different than it did just a decade ago, and it’s more important than ever to hav…
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If you’re in the market for a financial advisor, it’s important to make sure you’re working with the right team. But for those new to the world of financial planning, distinguishing the right advisor from a potentially poor fit can be challenging. In today’s episode, we explore key indicators and red flags to help you navigate this decision and sha…
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Do you think it’s possible that we could see another financial crisis in your lifetime? When we ask prospective clients this question, most of them answer with “yes.” Do you know how much your portfolio would be down in the event of another 2008? If you aren’t sure, shouldn’t you be? In today’s episode, we’re going to talk about a disconnect that w…
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Retirement planning is about problem-solving. It's not just about asset allocation; it's about identifying your current and future needs, managing expenses, addressing healthcare concerns, and crafting a legacy plan. In our conversation today, we talk about why it’s so important to work with an advisor who understands your entire financial picture.…
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Financial Terms You Thought You Understood: Diversification
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Diversification is a word thrown around a lot in the financial world and is often misunderstood. We find that many investors claim to be diversified, but upon closer inspection, lack true diversity in their portfolios. It's not just about stocks and bonds; there's a whole world of asset classes and investment tools that might not even be on their r…
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There is a lot more to retirement planning than just picking investments. From timing Social Security to assessing your retirement overall readiness, today’s episode will explore some commonly misunderstood, yet critical areas in the world of financial planning. Is your advisor helping you navigate all of these decisions? Tad and Toni kick off this…
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Overcoming Broken Beginnings: A Look at Grace House Ministries
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Neither Freedom Financial Group nor AEWM are affiliated with Pamela Phipps or Grace House Ministries. If you work with our team or have been a listener for some time now, you might know that we are proud to be involved with several incredible charitable organizations in and around Birmingham. One of those organization is Grace House Ministries, a C…
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Who are you learning from when it comes to making sure your retirement plan is successful? If you’re of the age that your mom and dad retired 20 or 30 years ago, the world was a much different place when they walked away from their paychecks. Let’s talk about how things are different now… We’ll look at how retirement expenses have evolved, with peo…
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If you've ever felt lost or overwhelmed after a financial planning meeting, today's episode is for you! We’re tackling the common issue of financial jargon in the world of investments and retirement planning. Listen in as we decode three examples of financial jargon and remind you that good advisors should be able to break down intricate concepts i…
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Will Rogers, American entertainer, radio personality, film actor and writer was famously known for his humor. In today’s show, we’re going to explore his timeless wisdom and its relevance to retirement planning. Join us to learn from some of the most iconic quotes of his career. This episode highlights the importance of learning from others' experi…
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What would Tad and Toni’s campaign slogans be if they ran for “retirement planning office?” Listen in as they each craft their hypothetical campaign platforms and discuss their visions while delivering practical guidance on making the most of your retirement journey. With humor and insight, this episode explores risk management in retirement planni…
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When it comes to planning for your future financially, it’s important to first take a look inward. Understanding your financial worries and biases plays an important role in making informed decisions for your financial well-being. Join us in this episode as we delve into the crucial aspects of self-examination in the world of financial planning. Li…
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There are three things that people often want from their investments: growth, safety and liquidity. Is it possible to have all of these qualities in one investment? Listen in as Tad and Toni share their insights on various investment options like cash, stocks, bonds, mutual funds, annuities, and real estate and highlight the pros and cons of each. …
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Welcome back to the Retire With Freedom podcast! Join us as we break down the different types of retirement risks in today’s episode and talk about how to address them effectively. From tax rate risk to longevity risk, we’ll discuss some commonly overlooked factors that could impact your financial future if not properly prepared for. Discover why s…
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Comprehensive Financial Planning, REITs, and More! Mailbag Episode
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On today’s show, we’re diving into the mailbag to answer some recent questions and concerns from our listeners. Patty from Hoover raises a critical question about their financial advisor’s lack of advice on topics like Social Security, life insurance, and legacy plans. Mick in Cahaba Heights asks about Tad and Toni’s thoughts on REITs as an investm…
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Most people probably think a financial advisor’s primary job is picking investments, but the reality is that’s just a small part of what we do for clients. In reality, our main focus is solving problems and that’s what true financial planning entails. You can quickly tell whether you’re working with a good financial advisor by determining whether t…
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The realities of retirement are much different today than they were even 10 years ago. The world around us is constantly evolving and we need to keep up with that in order to help our clients reach their retirement goals. In this episode, we’re going to talk about some of those new realities and how they’re going to affect folks in retirement. Plus…
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As retirement approaches, you might be feeling a twinge of anxiety. Are you financially prepared for the next phase of your life? If you're feeling a bit uncertain, you're not alone. It's common to worry about those symptoms that point towards bigger problems that could wreak havoc on your retirement plans. Fortunately, there's a cure for these ret…
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As people approach retirement, they often face various concerns such as running out of money, taxes, market crashes, and healthcare expenses. Listen in as Tad and Toni discuss the importance of seeking professional help for retirement planning. They also stress the importance of having a comprehensive retirement plan that considers various tools an…
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Just like gardening, well-planned financial plans require time, patience, and intentionality to succeed. In today’s episode, we explore the parallels between gardening and financial planning and the lessons we can learn from them. Listen in as Tad and Toni discuss the importance of being patient with investments, resisting the urge to take excessiv…
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Welcome back to the Retire With Freedom podcast! This week, we’re discussing various types of costs and fees that can impact people as they approach retirement. We’ll also shed light on some penalties that you want to avoid and the importance of having a well-thought-out retirement plan in doing so. Join us as we debunk some common misconceptions a…
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We have recently noticed an increasing interest in annuities among our clients. In today’s episode, we’ll discuss how they stand apart from traditional stocks, bonds, and savings accounts. We’ll break down the two primary types of annuities- immediate and deferred- to provide clarity on how they work and debunk some common misconceptions about them…
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Life has an uncanny way of surprising us with unexpected twists. Imagine spraining your ankle right before that long-awaited vacation, discovering your remodeling project requires costly plumbing repairs, or receiving a life-altering phone call just as you're about to step out the door. The truth is, predicting the future is a tricky business, but …
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Do you find investment and insurance product fees and commissions confusing? Ever wondered why financial advisors' charges can be unclear? In this episode, we shed light on the different charging models used by investment advisors, brokerage firms, and banks. We discuss the importance of understanding how your advisor gets paid and the potential ri…
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Would you hire someone to fix your car without knowing what it was going to cost? Or hire a real estate agent to sell your home without knowing what fees are involved? Of course not! Along this line of thinking, why would you invest your hard-earned money without understanding the associated costs? Join us as we discuss why understanding fees, cost…
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Building a Holistic Financial Plan with Best-Selling Author, David Bach
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Neither Freedom Financial Group nor AEWM are affiliated with David Bach. Welcome back to the Retire With Freedom podcast! Today, we are excited to be joined by David Bach, one of America’s most trusted financial experts and 10x New York Times best-selling authors. David has influenced millions through his books, media appearances, podcast, and semi…
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Transitioning into retirement is more than just stopping work; it's about entering a new phase in your life that's likely to last a third of your lifespan. This transition isn't just about surviving on your savings but about living your best life post-work. This episode will guide you on how to ensure you have enough money to support your lifestyle…
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Welcome back to the Retire with Freedom podcast! Today, Tad and Toni are breaking down the tax law changes that have come with the new SECURE Act. From required minimum distributions (RMD) to catch-up contributions changes, they break down the key aspects you need to know for a successful retirement. Discover how the RMD age requirement and catch-u…
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Hindsight is 20/20: Learning From Common Financial Mistakes
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Neither AEWM nor advisors providing investment advisory services through AEWM recommend or facilitate the buying or selling of cryptocurrencies. 1880260- 7/23. The phrase “knowing what we know now” is mostly worthless, because OF COURSE we’d do some things differently if we could see the future. But since we can’t see the future, we can at least le…
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Welcome back to the Retire with Freedom podcast! In today’s financial landscape, the need for intelligent design in retirement planning is critical. In this episode, we challenge some outdated retirement approaches and debunk some common misconceptions to help you gain a better understanding of the financial strategies necessary for financial succe…
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In today’s episode, Tad and Toni tackle some common retirement planning catastrophes and share some insightful strategies for achieving financial security. From poor assumptions and inadequate planning to the lack of a retirement income strategy, there are many retirement planning pitfalls that you could fall into if you aren’t careful. Tune in for…
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In this episode, we dive into some critical aspects of managing your 401(k) and other retirement assets. As we discuss the importance of making informed decisions, we’ll reveal little-known strategies that can significantly impact your financial future. Stay tuned to learn about the benefits of rolling over your 401(k) into an IRA, providing more c…
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Building a Brighter Future with Brodie Croyle of Big Oak Ranch
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Neither Freedom Financial Group nor AEWM are affiliated with Brodie Croyle or Big Oak Ranch. Today we are joined by Brodie Croyle, president and CEO of Big Oak Ranch in Birmingham, Alabama. Big Oak Ranch is a ministry focused on providing a loving, Christian home for abused and neglected children, giving them a chance to thrive, grow, and fulfill t…
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In this episode, we’re going to discuss the widely known 4% rule in the financial industry, which suggests that retirees can safely withdraw 4% from their portfolio annually, adjusted for inflation, without running out of money. Does this rule really work? We’ll shed light on how this rule has come under question in recent years due to market condi…
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Ep 24: Finding Freedom: A Look At Shepherd’s Fold’s Post-Prison Ministry
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Neither Freedom Financial Group nor AEWM are affiliated with Jack Hausen, Trent Redwine, or Shepherd's Fold. In today’s episode, we are joined by Jack Hausen and Trent Redwine from Shepherd’s Fold, in Birmingham Alabama. Jack Hausen is the executive director and Trent Redwine serves as the director of operations of this ministry. Shepherd’s Fold wo…
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