RetireMentorship will Guide You to and Through Retirement. In this intro, we explore why we exist, what you can expect from each episode, and who can benefit from listening to the podcast.

The Average Investor receives half the lifetime returns of the investments the investor invests in. Focus on Investor Returns, which you can control, instead of Investment Returns, which you cannot.

There are Five Questions that you should ask your Financial Advisor. Whether you are looking for a new advisor, or already have one, these questions should be asked by you to two-three advisors to ensure you have the right one for you.

Whether completing your own plan,
Or working with a pro,
There are Six Benefits to planning
That you should know.

Trying to build a successful financial life? There are Seven Pillars to build it upon. Good news! Timing and luck are not among them.

Think smoking is costing you $4.50? Try $4,500,000.

“In the hospital they throw you out in the street before you’re half cured. But in a nursing home, they don’t let you out until you’re dead.” ~George Bernard Shaw While Permanent Life Insurance is wrong for most people, there are a few good uses for it. We will cover the three good uses for…

“If you’re married you want the right amount of life insurance. Too little and they may be in trouble if you’re killed. Too much and you may be in trouble of them doin’ the killin’.” ~Anonymous If you have people depending on your income, YOU NEED TERM INSURANCE! What is Term Insurance? Who needs it?…

“There are worse things in life than death. Have you ever spent an evening with an insurance salesman There are some insurances you need, and others you don’t. Insurances you DO need: Health Insurance Disability Income Insurance  Term Life Insurance (if you have dependents, previously covered) Home & Auto Insurance Insurance you MAY need: Long-Term…

“Successful investing is about managing risk, not avoiding it.” ~Benjamin Graham Investing based on a Risk Tolerance Questionnaire is STUPID!!!  Almost every investor needs to answer a Risk Tolerance Questionnaire before investing. These questionnaires determine the investor’s destiny. And these questionnaires are dumb. We’ll look at some of the problems with RTQs, and next week…

“Risk Comes from not knowing what you’re doing.” ~Warren Buffet Investing based on a Risk Tolerance Questionnaire is STUPID!!! Almost every investor needs to answer a Risk Tolerance Questionnaire before investing. These questionnaires determine the investor’s destiny. These questionnaires are dumb. We’ll look at two more problems with RTQs, and the solution. Tune In! This…

“Be sure you positively identify your target before you pull the trigger.” ~Tom Flynn Insert Tex Target Date Funds are the default options for many investors in their 401(k)s. Not because they are great options, but because they cover the butts of 401(k) companies and employers. But they have their troubles. TDFs are Dumb. They…

“Those who fail to plan, plan to fail.” ~Benjamin Franklin You need a financial plan. How do you Create a Financial Plan? First we need to cover WHO is creating the plan. Whether you are a DIYer intent on creating your own Financial Plan, or a Delegator looking to hire someone to create it, You/They…

Creating a Financial Plan 6 “In the end it’s not the years in your life that count. It’s the life in your years.” ~Abraham Lincoln Estate Planning is not just for the wealthy. It’s for anyone who wants to control what happens to their dependents and their assets when they pass, especially if you want…

“Price is what you pay. Value is what you get.” ~Warren Buffet Often we seek free resources or the advice of people without a price tag. But there are many hidden costs to “free” advice. We discuss the types and how to avoid them. Tune In! This article is educational only and is not intended…

“Real Financial planning is aligning our use of capital with our values.” ~Carl Richards For World Financial Planning Day, we’re discussing how Financial Planning can help align your use of Capital (Time, Energy, and Money) with your Values (what you say is important to you, and what actually is). Tune In! This article is educational…

“The only function of economic forecasting is to make astrology look respectable.” ~John Kenneth Galbraith, Harvard economist When the market is moving, people being to wonder whether they should try and time its cycles. Let’s look at timing the market, specifically: Why one would (and shouldn’t) try to time it. Why being “Right Twice” is…

“The two most powerful warriors are Patience and Time.” ~Leo Tolstoy Your Time Horizon (when you will be using you investments), is important. But traditional ways of thinking about Time Horizon are flawed. Learn the crucial phases of Time Horizon.  This article is educational only and is not intended to be investment, legal, or tax…

“The greatest wealth is health.” ~Virgil Health Super Accounts, technically known as Health Savings Accounts, are the best account to fund. Learn about these amazing accounts as we enter in to Open Enrollment for many people. This article is educational only and is not intended to be investment, legal, or tax advice or recommendations, whether…

“What cannot be achieved in one lifetime will happen when one lifetime is joined to another.” ~Harold S. Kushner Discard Short-Term Thinking. Embrace Long-Term Thinking. Evolve to Life-Time Thinking. Tune In! This article is educational only and is not intended to be investment, legal, or tax advice or recommendations, whether direct or incidental. Again, this…

“Those who are the happiest are those who do the most for others.” ~Booker T. Washington The Fourth Dimension: Donation: Income that IMPACTS others beyond you. Embracing 3D Retirement Income allows you to fully explore Donation. Tune In! This article is educational only and is not intended to be investment, legal, or tax advice or…

“The individual investor should act consistently as an investor and not as a speculator.” ~ Ben Graham There are key differences between Investing, Speculating, and Trading. They are NOT the same. And understanding the contrast could mean the difference between success and failure.  This Podcast is educational only and is not intended to be investment,…

“People may spend their whole lives climbing the ladder of success only to find, once they reach the top, that the ladder is leaning against the wrong wall.” ~Thomas Merton In creating a Victorious Cycle, you need three ingredients to start: A Vision, Targets, and Goals. 👁 Vision Inspiring Life Change Vision can be further…