Leverage Planners
@leverageplanner
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Medicare Advantage plans promise simplicityābut hidden tradeoffs are stacking up. Limited networks, prior authorizations, surprise denials. Ask: "Who decides my careāmy doctor, or my insurer?" Review every line, not just the premium. #medicare #medicareadvantage #retirement
Most retirees forget they need a budget tooāand it has to anticipate taxes, healthcare, and inflation. Design income in phases: go-go years (high spending), slow-go years (balanced), no-go years (steady). A real plan doesn't limit spendingāit defines it with confidence.
Senior co-housing is explodingāshared homes with private suites and communal areas. Cuts costs, fights loneliness, keeps care affordable. But friendship isn't a contractāwrite one anyway. Independence doesn't mean alone. #retirement #cohousing #seniorliving
Diversification isn't about owning moreāit's about recovering faster. True diversification blends recovery speeds. When one part stumbles, another keeps your plan moving forward. You don't need perfect timing. You need dependable recovery.
The real measure of retirement success isn't balanceāit's reliability. A million dollars doesn't guarantee peace if it's exposed to volatility. Predictable income beats unpredictable growth every time. You earned this stageāit shouldn't feel fragile.
The biggest estate planning concern: destroying your kids' character as trust fund babies. $2 million to kids who've never managed more than a checking account is often gone in five years. Transfer wisdom, not just wealth. #estateplanning #generationalwealth #inheritance
We're GROWING! We have an amazing team, in an amazing work environment, with incredible growth and development opportunities in a great profession. If YOU know someone you think would be an elite fit, reach out to me directly and let me know! jobs.gusto.com/postings/leverā¦
Roth conversions done wrong hurt cash flow. Done right, they cut lifetime taxes by hundreds of thousands. Strategic partial conversions within your bracket. Move money from "forever-taxed" to "never-taxed" without painful bracket jumps. That's freedom compounded.
Most trust fund kids fail because no one taught them how money works. š Try the Cash C-O-W model: Expenses ā Reserves ā Income assets. ā”ļø Link in bio.
Your retirement money doesn't have one jobāit has eight. Growth alone can't pay bills, protect lifestyle, or fund emergencies. Give every dollar a clear assignment: income, safety, growth, healthcare, lifestyle, emergency, legacy. Calm replaces confusion.
Cybercrime has become the new elder abuse. Retirees lose billions yearly to fake calls, phishing, and tech support traps. Your biggest risk might not be the market - it's the message in your inbox. Scammers prey on urgency. Your defense is calm and verification.
The market doesn't decide your wealth... timing does. Not market timing. Withdrawal timing. You can pick all the right funds and still lose if you pull money at the wrong time. Design withdrawal rhythms that protect cash flow. #retirement #investing #withdrawalstrategy
A strong retirement plan isn't one big income sourceāit's five smaller ones working together. #retirement #retirementincome #financialplanning
Most people don't have a retirement planāthey have a list of accounts and assumptions. That's guessing, not planning. Guessing relies on hope. Planning creates structure. Guessing reacts. Planning anticipates. Anticipation is where peace lives.
The Social Security trust fund is projected to hit depletion by 2033. Cuts aren't guaranteed, but pressure is building. Back up with private income so government changes don't shake your lifestyle. The trust fund might wobble, but your plan shouldn't.
Retirees are relocating strategically ā taxes, insurance, and healthcare costs now drive the move. #retirementplanning #retirementgeography #relocation
Chasing returns is one of retireesā biggest financial dangers. #retirementplanning #investingmistakes
Cash pays today, but not forever. Make it part of the plan - not the plan. #retirementplanning #cashstrategy #interestRates
I traded volatility for peace of mind. Now I help others do the same. Schedule your call through the link in my bio.
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