Thomas Cloud Jr
Cloud's Retirement Chat
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Thomas Cloud Jr
Cloud's Retirement ChatEpisodes
Thomas Cloud Jr
Cloud's Retirement Chat
Good podcast? Give it some love!
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Episodes of Cloud's Retirement Chat
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Key Talking Points of Episode:Socialistic traits in the tax changes that Joe Biden is makingThe $94 trillion world economy as it relates to socialismMagical Quotes from the Episode:“My energy is best spent on me, making sure that me and my fami
In this episode, Tommy shares the essence of paying attention to taxes and having a diversified portifolio on non-correlated assets. Listen in for an informative learning experience. Key Talking Points of the EpisodeSecond key to retirement inc
Key Talking Points of the EpisodeWhat is a fiduciary?The first key to retirement income distribution: setting a budget for retirement expenses.Why do people resist creating a budgetUnderstand what soft offers are Standout Quotes from The Episod
Key Talking Points of the EpisodeWise ways to approach the key areas of spending in retirementDo you listen to your gut?An example of people doing the most with their money emotionallyGrocery spendingPutting up some guardrailsStandout Quotes fr
Key Talking Points of the Episode:The different types of incomes people can experience in retirementUnderstanding the annuitiesWhat’s the best place to invest $1.3 million as far as precious metals go?How to diversify in real estate without hav
Listen in and hear Tommy Cloud’s thoughts on this subject.Key Talking Points of the Episode:Brett’s date with a movie starIs the stock market going to crash?advice for near term retirement peopleStandout Quotes from the Episode: “Spread out you
Key Talking Points of the Episode:Is a million dollars enough to retire?How interruptions in our family domestic marriage make a significant impact on our moneyHow Tommy helps couples in ensuring they have enough money in their old ageWhat make
Are you ready to learn? Listen to this episode.Key Talking Points of the Episode:[01:22] Finding a financial planner that you can trust[10:30] What are the best types of investment for a retiree or someone about to retire?[20:06] |How Tommy est
Key Talking Points of the Episode:[00:59] What inspired Tommy to write the article” Will Hyper Inflation Happen and Will it Affect my Retirement?”[01:46] Why are people leveraging tenses of inflation and hyperinflation?[03:38] The most reliable
https://thirdactretirement.com/blog/how-to-avoid-a-stressful-retirement
SET UP A CALL OR WATCH MY FREE VIDEOAlso I encourage you to watch my free retirement video: https://go.thirdactretirement.com/strategy If you're getting ready to decide on what type of IRA to start or a 401(k), you're more than welcome to s
Annuities are often part of an individual's retirement strategy. Today, Tommy Cloud of Third Act Retirement breaks down the different types of annuities, and more importantly, if they are a good idea in retirement. Types of annuities include:V
With recent market volatility, many clients have come to Tommy Cloud at Third Act Retirement, asking about gold and silver.This summer marks 50 years since the US Dollar came off the gold standard, in August of 1971. Today gold is one of the mo
King Solomon wrote, "In an abundance of counselors, there is victory."It's important, in all areas of your life, to have trusted counsel from experts in various fields. This may be a doctor, an attorney, even a lawn care expert. And this is e
King Solomon, the richest man who ever lived, talked about the importance of diversity. And diversity is the best way to invest for retirement. In today's episode we cover:Correlation to the S&P 500BondsEconomic vs Price InflationExpenses - not
In the second of our two-part series, Tommy Cloud of Third Act Retirement breaks down different methods to pay less taxes in retirement. In today's episode we cover:Bunching Property TaxesRoth IRA ContributionsTax Loss HarvestingAnnuities for
In the first of our two-part series, Tommy Cloud of Third Act Retirement breaks down different methods to pay less taxes in retirement. In today's episode we cover:HSA High Deductible Insurance PlansKeeping Your Income Low for Social Security
How much do I need to retire comfortably? That is, quite literally in many cases, the million dollar question clients always ask Thomas Cloud. Now, the word comfortable means many things to may different people, but as you consider your reti
When a client begins a relationship with a financial advisor, they focus on the initial setup meetings, but don't always think about regular meetings.When Tommy Cloud and Third Act Retirement bring in a new client with a Retirement Ready Succes
In our last podcast, we discussed when to retire. Today, we are covering how to retire - with three ways to retire early. Tommy and Jon break down each of them:Save what you're making nowLower your expenses in retirementDevelop a plan for reti
Today, Tommy Cloud and Jon Gay discuss the best time to retire. Now, everyone's individual situation is different, but most people come into the office at Third Act Retirement with these kinds of questions:Do I have enough money to retire?When
In our previous episode, we covered 14 common mistakes people make when it comes to retirement planning. Today, we will look at 5 strategies to help avoid those mistakes, including:Stop Trying to Plan For This Process YourselfCreating a Will W
People often come into Thomas Cloud's office with one of several fairly common problems, and they’re almost all caused by not having a plan. So, as we look at some of these frequent retirement-planning problems, most of them can be solved simp
In our second episode, Tommy Cloud rejoins Jon Gay to continue the discussion about financial advisors. We break down the fees and how advisors are paid.We walk through fee-based vs commission advisors, using some hard numbers and different ty
In our first episode, Tommy Cloud and Jon Gay break down the different types of advisors, including no fee and fee only. No fee advisors can be compensated in many different ways, including by bonuses and commissions paid by the companies they
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