RETIREMENT INSIGHTS PODCAST

In Episode 32 of the Retirement Insights podcast, Eric Johnston, CFP of InFocus Financial Advisors, discuss strategies for navigating market highs. Our advisors discuss prudent risk management methods and how markets tend to perform after reaching new milestones.

In Episode 31 Eric covers Roth IRA conversions and strategies - a popular tax planning tool to take advantage of lower marginal tax rates to reduce overall lifetime taxes paid and increase net-worth. Our advisors cover the rules, basic concepts of how to implement, and things you should consider in determining if partial Roth IRA conversions may be appropriate for you.

In Episode 30, Eric discusses the future of retirement planning. Could it possibly include making more nuanced health projections based on health data? What could the future look like and what might InFocus look like in the future in working towards their client's retirement success?

In Episode 29, Eric reviews the fundamentals of Medicare. They review the various components of Medicare, what they cover, and things to remember when planning for your health insurance in retirement.

In this episode Eric covers a difficult topic, setting up your spouse for success if your gone. In the event of an unexpected premature death, we cover how to make sure your surviving spouse has the right tools to continue to be financially successful.

Curious about what spending strategy is right for you to maximize your lifestyle in retirement? Eric covers "Dynamic Spending" strategies and important things to consider regarding spending as you enter your retirement years.

In this episode Eric coverts some basic estate planning topics and frequent mistakes they see people make.

In this episode Eric discusses what has been a historic few years for the bond market. What has traditionally been a "boring" or "conservative" piece of most retiree's portfolio has been anything but of late.

In this episode, Eric reviews the most common mistakes people make when planning for retirement. They also discuss some topics and ideas to start thinking about as you approach retirement.

In this episode Eric reviews what's transpired in markets over the last year, what's ahead, and what implications that may have for retirees of all ages. He also give tips on things you should be doing to turn periods of market volatility to your advantage.

In this episode, Eric covers lifetime gifting and how to make the greatest impact with your retirement assets.

In this episode, Eric takes a look back at the market and the economy over the last year, and look forward to what may be in store for 2022.

Eric Johnston, CFP, President and Financial Advisor of InFocus Financial Advisors, Inc. discuss the importance of third-party research and the coming outlook for 2019. Recorded Jan 15th 2019

In this episode Eric Johnston, CFP discusses the importance of different aspects of taking systematic withdrawals from your investments. Retirement investing should be different than how you invested while working. They offer some additional simple steps that you can take to reduce your investment volatility, reduce market risk and market timing risk in your retirement portfolio. Check it out to see if the steps are a good match for you.

Eric talks a little bit about the 4% rule, what it is and what it might look like in the future. He also covers some of the challenges possibly ahead for the markets and economy.

In this episode Eric talks about some of the planning challenges in retirement. He covers spending, inflation and managing taxes throughout your retirement years.

We recently held our "Salisbury Investment Strategy Update Lunch" at the end of June. For those who weren't able to attend, Eric and Robert cover some of the content they presented for clients and guests at the lunch.

In this episode Eric Johnston, CFP interviews Michelle Parker from the local MAC (Maintaing Active Citizens) center in Salisbury, MD. They discuss their offerings, Medicare tips and resources available to individuals who are currently or soon to be retired.

In this episode Eric discusses the possibility of retiring at the peak of the market. Is it possible to retire successfully if your first few years are a recession? We examine three historical recessions and what the outcomes would have been for retirees in those periods.

Passed in the last few weeks of 2019, the Setting Every Community Up for Retirement Enhancement Act will has some major changes to the retirement landscape. Eric covers some of the most important changes to retirees.

In this episode, Eric talks about moves to make to enhance your retirement during the ongoing Coronavirus pandemic. He also give a market and economic update.

In this episode Eric talks about the importance of planning for survivorship. What happens when one spouse pre-deceases the other. We cover the financial implications of pension decisions, Social Security and what planning items you should be reviewing for this possibility.

Eric covers ESG Investing. ESG is a new trend in investment selection, on selecting companies that have favorable “Environmental, Social and Governance” stances. He reviews what exactly those factors mean, how they are implemented and what we here at InFocus have done to bring this new trend to our clients.

In this episode Eric talks about the good and the bad in new technology and automation available to today's investors.

In this episode Eric talks about the current low yield environment, its affect on withdrawal rates and how this may affect retiree portfolios in the future.

In this episode Eric interviews guest Gene Goldman, CFA Chief Investment Officer of Cetera Financial Group. They cover the difference between the market and the economy, what data matters, what most investors get wrong and what lies ahead for the rest of the year.