The long anticipated cuts to the federal interest rate have been delayed yet again while inflation continues to linger. And given that the markets abhor uncertainty, what is an investor to do? Rick Hughes and Jamie Climer discuss the pros and

What Is the "Magic Number" In Retirement?

10 days ago 30m 20s

Furthermore, is it attainable? Granger Hughes talks about why this answer, like so many when it comes to retirement is going to change on a case by case basis. The good news, though, is that you might be in better shape than you thought. Get

Are Taxes a DIY Project?

17 days ago 30m 42s

Not necessarily talking about the ones you file every April, but the ones you'll be responsible for during your retirement years. Rick talks about how important it is to minimize what it is you'll owe (and how to go about doing that) on this e

Is It Too Late To Take Advantage of This Market Run?

24 days ago 28m 58s

The saying goes, "Buy low, sell high." But when the market is near record highs, is it foolish to buy in... Or are you missing out on potential further growth? Granger discusses this and more on this episode of The Retirement Playbook. Get t

What Does Bracketology Have To Do With Retirement Planning?

Mar 26th, 2024 28m 15s

A good bit, if you're creative enough. Granger and Chris discuss at length (in addition to actual bracketology) on this episode of The Retirement Playbook. Get to know the Hughes team, find out more about upcoming events, and schedule a time t

How Much Do Taxes Factor Into Retirement?

Mar 19th, 2024 28m 15s

Short version: a lot Longer version: a lot, but it can be reduced/minimized with the help of proper planning. Rick offers tips on how to keep more of your heard earned dollars on this episode of The Retirement Playbook. Get to know the Hughe

Are We Nearing the End of the 401(k)?

Mar 12th, 2024 29m 14s

There's been talks of doing away with the tax deferred aspects of contributing to a 401(k), in an effort to use those tax dollars to keep Social Security solvent. But what would the fallout from that be? Granger talks about it, as well as oth

Does The 4% Rule Still Work?

Mar 5th, 2024 29m

Or perhaps a better question: Has is ever worked? Rick discusses this often debated withdrawal strategy and more on this episode of The Retirement Playbook. Get to know the Hughes team, find out more about upcoming events, and schedule a time

What Is It That Your 401(k) Is Missing?

Feb 20th, 2024 27m 45s

Hear what Ted Benna, the father of the 401(k), says the plan he helped popularize is missing (as well as how to change that) on this episode of The Retirement Playbook. Get to know the Hughes team, find out more about upcoming events, and sched

Tax Planning In Retirement

Feb 13th, 2024 28m 37s

What can Granger's appreciation of watches teach you about taxes in retirement? It turns out, quite a lot. Get to know the Hughes team, find out more about upcoming events, and schedule a time to speak with them at https://hughesretirementg

What Can Babe Ruth Teach Us About Retirement?

Feb 6th, 2024 28m 21s

As Spring Training gets ready to kickoff later this month, we take a look back at the financial decision one of the greatest of all time made regarding his retirement, and Rick discusses what we can learn from his decisions. Get to know the Hug

How Much Should You Withdraw In Retirement?

Jan 23rd, 2024 27m 57s

And furthermore, how flexible should you be with that amount? Rick discusses the strategies the Hughes Retirement Group use to help clients calculate that number without putting the whole plan at risk on this episode of The Retirement Playbook

The Known Threat To Your Retirement

Jan 16th, 2024 27m 57s

Obviously, market downturns can be detrimental to your investment balances, but when they occur can't be truly predicted. However, there's a known threat to your retirement dollars with a very clear timeframe, and it's called tax increases.

How Much Money Will You Need To Be Happy In Retirement?

Jan 9th, 2024 29m 7s

And more importantly, where will that money come from? Rick discusses the importance of having an income plan, as well as how to create sources of guaranteed income to make that plan a successful on on this episode of The Retirement Playbook. G

Is a 401(k) Enough?

Jan 2nd, 2024 27m 53s

According to a recent GoBankingRates article, a well-managed 401(k) should be "sufficient for a comfortable" retirement. But how is any of that defined, and what if you want more than "sufficient?" Granger discusses things you may want to cons

The Error In Using "Rules of Thumb"

Dec 19th, 2023 29m 4s

Or more specifically, why they shouldn't be the end-all, be-all when it comes to your financial planning. Rick Hughes talks about how to properly incorporate these rules in your plan, as well the error of measuring yourself up to other retiree

'Tis the Season (To Pay Your RMDs)

Dec 12th, 2023 28m 6s

Perhaps the window on 2023 is closing, but there are things that can (and probably should) be done to lower your RMD obligations in the years to come. But probably doesn't mean definitely. Granger discusses the things to take into considerati

2024 Market Predictions

Dec 5th, 2023 28m 6s

As we get set to put a bow on 2023, many people are making predictions on what to expect from the market in 2024. And with it being an election year, the uncertainty only increases. Rick discusses strategies worth looking at if you don't have

Are Roth Conversions Always A Good Idea?

Nov 14th, 2023 27m 3s

In an era where taxes almost certainly have to go up in the future, many are looking at Roth conversions as a way to avoid getting hit with higher rates down the road. But what could that mean for you in the meantime? Granger talks about the

When Should You Take Social Security?

Nov 7th, 2023 29m 3s

With the solvency of Social Security in the spotlight lately, many people are wondering if they should claim as soon as possible to get what they can while they can. But the conventional wisdom has always been to delay as long as possible. Gr

The Risk of Longevity

Oct 31st, 2023 29m 9s

The UN is predicting that by 2050 there will be some 3.6 million people in the world that are 100 or older. Which means, they're in retirement or getting ready to retire now. Are you prepared for a retirement that can take you to 100 or more?

How To Use Higher Interest Rates In Your Favor

Oct 24th, 2023 28m 23s

Getting a new loan? Probably not ideal. But there are ways to take advantage of the current high interest, low(er) inflation environment in regards to your savings. Rick Hughes discusses these options and more on this episode of The Retireme

Understanding Uncle Sam's Relationship With Your Retirement Dollars

Oct 17th, 2023 29m 47s

According to a new study, 7 in 10 Americans are concerned about higher taxes in the future. Is that number too low? Rick Hughes discusses the importance of proper tax planning on this episode of The Retirement Playbook. Get to know the team a

The Perils of DIY Retirement

Sep 18th, 2023 29m 2s

There are certain projects you can tackle on your own: taking care of your car, your lawn, etc... But making sure your retirement accounts are there for you for the next 20, 30+ years? That's something that could benefit from a professional's