Cortburg Speaks Retirement
Tune in every Wednesday to "Cortburg Speaks Retirement," your go-to podcast for the latest insights on investing, financial planning, and retirement strategies!
Join Certified Retirement Counselor, Miguel Gonzalez, as he delves into timely investment topics, offers expert advice on money management, and addresses common concerns about navigating the stock market.
Cortburg Speaks Retirement
How to Financially Plan to Live to 100 | Longevity & Retirement Tips
In this episode, Miguel Gonzalez, CRC®, shares key strategies to help you plan for a long life—covering healthcare, income, savings, and wellness.
Cortburg Retirement Advisors is a boutique financial planning firm committed to helping you grow, protect, and preserve your assets from your first job to retirement. We specialize in wealth management, estate and tax planning, group retirement, employee benefits, insurance, and retirement planning to navigate any economic climate.
Miguel Gonzalez, a Retirement Specialist with 20+ years of experience, offers expertise in retirement income planning, investment management, and retirement plan design. With an MBA from Columbia Business School, and professional experience with JP Morgan Chase, Merrill Lynch, and more, Miguel is a trusted advisor for his clients.
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Welcome to Cortburg Speaks Retirement Podcast
with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC®
CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST
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Welcome to Cortburg Speaks Retirement
An audio podcast about investing in the stock market, financial planning, money management and retirement planning. Each Wednesday, we help investors at all stages of life learn how to potentially grow and preserve their money from first job through retirement.
Now here is your host, Miguel Gonzalez.
Good morning and welcome to the CORTBURG SPEAKS RETIREMENT audio podcast.
Preparing for life to last a century includes thinking about finances and logistics in order to enjoy good health and security for years to come.
Here are a few of our tips and tricks for planning to live into the next century.
1. Increase Retirement Savings
● To receive the benefit of compound interest requires time. Start saving for retirement as soon as possible. Maximize contributions to 401(k)s and IRAs.
● Don’t get comfortable with your current savings rate. Instead, increase it whenever possible. Save at least 15-20% of your income.
2. Plan for Healthcare Costs
● If eligible, fund an HSA for savings on medical expenses.
● Purchase Long-Term Care insurance coverage to cover the cost of long-term care in a nursing home or assisted living facility.
3. Create Multiple Income Streams
● Buy rental properties, invest in stocks that pay dividends, and create some other sources of cash flow.
4. Manage Debt Wisely
● Prioritize paying off high-interest debt, such as credit cards.
5. Plan for Inflation
● Consider having a portion of your cash in a Treasury Inflation-Protected Securities (TIPS) investment.
6. Focus on your Estate Planning
● Make a Will and Trust, assign a Power of Attorney, and Ensure all beneficiary designations on accounts and policies are current.
Lastly, it’s also important to improve your Health and Wellness as you head into retirement.
Schedule regular health screenings, eat well and exercise regularly, and work on your mental health - practice meditation, pursue a hobby, and enjoy the company of friends.
Planning to live to age 100 demands that you design essential financial and logistical systems. By addressing both, you may look forward to a longer life while pursuing the goals of being rich, secure, and healthy.
Make sure to visit our website, www.CortburgRetirement.com. Our site is filled with educational videos, eBooks, publications, and financial calculators designed to help you learn more about your finances. As you search our site, send us a note regarding any questions you may have about any particular investment concepts or products. We will get back to you quickly with a thoughtful answer.
This is Miguel Gonzalez, Certified Retirement Counselor (CRC) and Managing Partner, with Cortburg Retirement Advisors signing off for this week’s educational podcast.
