John H. Curry's Secure Retirement Podcast

Think you’ll pay less in taxes when you retire? Think again. Discover why tax diversification might be the secret to keeping more of your money in retirement—and why most people get it wrong.In this episode, April Schoen unravels the surprisingly complex world of taxes in retirement and reveals actionable strategies for tax-efficient retirement planning.You’ll discover…A common retirement tax mistake that could cost you thousandsWhy your retirement income might be higher—and more taxable—than you expectThree critical types of investment accounts and how they each impact your future tax billThe power of Roth IRAs and cash value life insurance as overlooked tax planning toolsWhat one simple analogy can teach you about planning for a tax-smart retirement

Navigating the intricacies of Social Security can feel like deciphering a complex puzzle...But what if you had expert guides to help secure your financial future?In this episode, John Curry and April Schoen explore the vital aspects of Social Security retirement benefits, offering insights on how to maximize them for a secure retirement amidst the backdrop of economic uncertainties.In this episode, you’ll discover…The impact of demographic shifts on the sustainability of Social SecurityStrategies to maximize your Social Security benefits based on timing and work historyHow to navigate spousal and survivor benefits effectivelyThe realistic concerns around the future of Social Security fundingEssential factors to consider when planning your retirement income strategy

Life insurance might not be the most exciting topic, but what if it was the secret ingredient to securing your financial future and living your best life?In this episode, John Curry and April Schoen dive deep into the transformative power of whole life insurance and reveal how it can be an essential financial tool for building and safeguarding wealth.You’ll discover…Why most people, including sellers, misunderstand life insurance.The surprising ways whole life insurance can benefit you while you're living.How life insurance can provide a “permission slip” to spend your savings.Insights on leveraging whole life insurance for asset protection and financial planning.Real-life examples of life insurance transforming retirement strategies.

Retirement is not without its challenges...What are the key financial risks and how can you safeguard your future?In this episode, hosts April Schoen and John Curry unravel the top five financial risks in retirement, and share insights on how to effectively manage and reduce them for a secure future.You’ll discover:The surprising impact longevity can have on your financial security.Why traditional financial planning may not be enough for your retirement.How market volatility could be a hidden danger in your golden years.The role of taxes in your retirement income and how to plan wisely.Essential questions to ask yourself as you prepare for retirement.

Retirement is a time for relaxation and enjoyment, but what happens when life's unexpected events disrupt your plans?In this episode, April Schoen guides you through crucial strategies to financially prepare for unexpected retirement events.In this episode, you’ll discover:The real-life impact of health-related surprises and how to plan for them.Why diversifying income sources is essential for retirement stability.How to leverage whole life insurance for financial flexibility.Strategies to handle family and life changes without derailing your financial plans.The importance of estate planning in securing your financial future.

Taxes might be daunting, but mastering them can mean thousands more for your golden years!In this essential episode, April Schoen dives deep into tax strategies specifically designed for Florida Retirement System (FRS) members. Discover how expert tax planning could unlock more wealth and flexibility than you ever imagined for your retirement.You’ll discover:Why tax planning is the key to more after-tax income in your retirement.How different types of accounts—tax-deferred, taxable, and tax-free—impact your taxes.Real-life case studies showing the transformative power of Roth conversions.The surprising impact of Medicare premiums and how your income influences them.Secrets to leveraging cash value life insurance for tax-free withdrawals and loans.

In this episode, April Schoen dives deep into the secrets of setting meaningful financial goals for the new year to guide you towards a secure and prosperous 2025.In this episode, you’ll discover…The pivotal role of the SMART framework in financial planningUnique strategies for building a robust emergency fundMethods to maximize your retirement contributions effectivelyInsights into tackling high-interest debt with precisionPractical tips for creating a balanced investment portfolio

How can a simple program supercharge your retirement income strategy?In this episode, April Schoen breaks down the intricacies of DROP, The Deferred Retirement Option Program, and its latest updates impacting your financial future.In this episode, you’ll discover…The enticing benefits that make the DROP program a game-changer.Key eligibility changes in 2023 that could affect your retirement timeline.Various pension options within DROP and how they cater to different retirement goals.The significant pros and cons that you'll need to weigh before opting for DROP.Strategic ways to manage your DROP payout to maximize retirement benefits and minimize taxes.

Retirement planning can be confusing and filled with misinformation. How can you ensure you're making the best choices for your future?In this episode, John Curry and April Schoen, tackle the common questions and misconceptions about the Florida Retirement System (FRS) that many employees face.You’ll discover…A surprising truth about why some employees might opt for the Investment Plan over the Pension Plan.The critical differences in vesting periods that could impact your retirement plans.Why understanding pension options is pivotal to avoid costly consequences.Essential steps for coordinating your pension, Social Security, and other financial resources.How to navigate the complexities of the DROP program for a more powerful retirement strategy.

Retirement isn't just about building a nest egg—it's about crafting a balanced, fulfilling life. Dive into a conversation that goes beyond the numbers.In this episode, John and April uncover the holistic approach to retirement planning that goes far beyond financial savings.You’ll discover…Why retirement planning involves much more than just accumulating wealthFour essential areas to focus on for a balanced retirementHow to identify your personal retirement needs and goalsA unique approach that differentiates Curry Schoen Financial from other advisorsThe most common yet overlooked expenses you need to prepare for

Planning your retirement can be a maze, but knowing when to claim your Social Security benefits might just be the key to unlocking a secure future. Ready to make the most pivotal decision of your retirement journey?In this episode, April Schoen, dives into the intricacies of Social Security, outlining strategies to ensure your golden years are actually golden.You’ll discover…How to determine if you and your spouse qualify for Social Security benefits.Various timing strategies for claiming your benefits to maximize your income.The critical differences between spousal and survivor benefits.How your work history and earnings impact your Social Security payments.The often-overlooked tax implications of taking Social Security benefits.

Retirement planning can be overwhelming, but what if you could uncover strategies to secure a steady income and live stress-free?In this episode, April Schoen dives deep into various strategies to maximize your retirement income and ensure financial stability.You’ll discover…The key factors influencing the timing and strategy of claiming Social Security benefits.Different pension options and the impact of your choices on long-term financial health.Strategies to transform your retirement investments into a reliable income stream.The pros and cons of annuities and how they could fit into your financial plan.The significance of asset allocation and diversification for risk management and stable returns.

Drowning in paperwork and unsure how long to keep important documents? Don't let the clutter consume you! Learn the secrets to organizing your financial life and gain peace of mind.In this episode, Erika Bell, owner of Organize with E, shares her expertise on how to effectively manage paperwork, digitize documents, and communicate crucial information to loved ones.In this episode, you'll discover…A surprising tip for conquering the overwhelming feeling of paperwork buildupThe key to creating a personalized organizational system that works for your unique habitsA simple rule to prevent clutter from taking over your lifeThe critical conversations you need to have with family about important documentsThe one thing you must do to ensure your loved ones can access vital information when needed

Are you truly ready for retirement, or are you headed for a retirement disaster?In this episode, April Schoen and Matthew Wallat share their insights on creating a comprehensive retirement plan to avoid common pitfalls and ensure a worry-free retirement.In this episode, you'll discover…The surprising similarity between an adventurous trip and retirement planningThe crucial step that brings relief and excitement to clients nearing retirementHow to adjust your investment strategy as you approach your golden yearsThe key to unlocking a successful retirement through systematic savingThe often-overlooked aspects of retirement planning that could derail your dreams

Retirement planning can feel like a daunting jigsaw puzzle—where do you even begin? Discover the secrets to securing your financial future and achieving a lifestyle of freedom and fulfillment!In this episode, John Curry and April Schoen unravel the complexities of retirement planning for FRS members and beyond. Get insights into making informed and strategic decisions that ensure peace and stability in your golden years.In this episode, you’ll discover...How to create a clear vision for your retirement using a powerful jigsaw puzzle analogy.The vital role of Social Security timing in maximizing your benefits.Key considerations and strategies for Medicare selection and supplemental policies.The secrets to maintaining engagement and purpose to avoid isolation in retirement.Tax planning techniques that could save you from future financial headaches.

Are you making the right moves to secure your financial future?In this episode, April Schoen delves deep into how to construct a bulletproof retirement framework aimed at ensuring you won't outlive your money.In this episode, you’ll discover…The critical element you might be missing in your retirement spending plan. How to identify potential income gaps before it’s too late.The role of regular reviews and adjustments in a dynamic retirement plan.Why a retirement rehearsal could be the key to your financial success.Actionable steps to define your retirement goals and build a sustainable plan.

In this episode, April Schoen and John Curry dive deep into one of the crucial components of retirement planning: Social Security. They explore the significance of timing your Social Security benefits and how it impacts lifelong income, offering expert insights into making the most informed decisions.They’ll cover:Why the decision of when to take Social Security is critical and how it affects your and your spouse's financial security throughout retirementThe implications of early or delayed benefitsPotential changes to Social Security and common misconceptions about the impact of legislative adjustments on future benefitsTailored strategies to maximize your Social Security benefits based on individual circumstances, including considerations for health status, income needs, and marital historyAnd more

Welcome to another episode of "Ask April" on The Secure Retirement podcast. Today's episode is essential for anyone with questions about life insurance, its benefits beyond death benefits, and its role in ensuring financial security for you and your family. We'll be discussing real-life applications of life insurance at different stages of life, demystifying term and permanent life insurance, and exploring how to tailor life insurance to fit your current life stage.We’ll cover:Understanding the crucial role of life insurance in financial planning and how it fits into your overall strategy.How real clients have used life insurance to secure their financial future, protect their families, and plan for retirement.The difference between term and permanent life insurance.Strategies for tailoring life insurance to meet your unique needs and circumstances throughout different phases of life.Insights on using life insurance to enhance retirement planning, spend down assets wisely, and ensure a lasting legacy.And more

In this episode, April and John dive into the critical financial risks that individuals face as they approach or navigate through retirement, and share valuable strategies to avoid these pitfalls and enjoy a secure retirement.Listen to learn:The top five financial risks individuals face in retirementThe problem with traditional retirement planning methodsEffective strategies to mitigate risks associated with market volatility, inflation, taxes, healthcare costs, and longevityHow to build a balanced financial structureAnd more

Navigate through retirement with confidence as April Schoen addresses the silent thief, inflation, revealing strategies to protect your financial future.In this episode, we’ll dive deep into understanding inflation and its impact on your retirement dreams.Unpack the essentials of inflation and its direct impact on your retirement savings.Discover historical perspectives on inflation to better understand its cyclical nature.Explore strategic ways to combat inflation, from guaranteed income streams to growth assets.Gain insights into personalized inflation rates and how to calculate yours for precise retirement planning.Ready to secure your retirement against the eroding effects of inflation? Join April Schoen for invaluable insights and strategies on the Secure Retirement podcast. Available now on Spotify and Apple Podcasts.