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Answering Your Retirement Questions | Retiring Today with Loren Merkle

Learn more about how you can prepare for retirement by downloading the complimentary Retire Your Way Toolkit - https://bit.ly/3SfVgav Register for our next Journey to Retirement Online Workshop to learn more about building a comprehensive retirement plan. - https://bit.ly/4aeNR1B In this episode of Retiring Today, we answer your top retirement questions. We explore topics such as understanding your tax bracket post-retirement, navigating required minimum distributions, and devising effective strategies for maximizing Social Security benefits. Discover the benefits of using a recession-resistant portfolio and income bucket strategy, and learn the impactful IRA to lifetime income strategy. Whether you're single, married, or nearing retirement, this episode is packed with invaluable advice to help you make informed, confident decisions for a successful retirement. Loren Merkle, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY® https://merkleretirementplanning.com/... Molly Nelson, Host of Retiring Today https://merkleretirementplanning.com/... Chapter 0:00 Introduction 0:25 Introducing Loren Merkle 0:50 Submitting Questions and Workshop Overview 1:22 Taxes in Retirement 1:47 What Will Taxes Look Like After Retirement? 2:35 Required Minimum Distributions (RMDs) Explained 4:30 Tax Planning Strategies for RMDs 6:05 Example: John and Sue's Tax Strategy 7:24 RMDs Calculation and Aggregation 8:30 Who Monitors RMDs and Potential Penalties 9:25 Social Security Benefits and Gross Benefit Calculations 11:25 Adjusting for Taxes and Medicare Premiums 12:00 Analyzing the SSA.gov Calculator 13:15 Considerations for Single Retirees 15:00 Investment Strategy: The Bucket Strategy 16:50 Recession Resistant Portfolio Explained 18:30 Short-Term vs Long-Term Buckets 20:00 Register for the Online Journey to Retirement Workshop 20:50 Considering Interest Rates in Mortgage Repayment 21:50 Legacy Planning: IRA to Lifetime Income Strategy 23:00 Tax-Free Legacy Benefits 24:00 Final Thoughts on Maximizing Retirement Income 25:15 How to Sign Up for Online Journey to Retirement Workshop 26:00 Conclusion and Workshop Invitation -- This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation.