Five Pillars for Retirement | Own Your Retirement Ep 56

Описание: In this episode of Own Your Retirement, Albert Lalonde and co-host Tony Shore break down the five foundational pillars of a successful retirement plan: tax planning, investment strategy, income planning, healthcare considerations, and estate planning. Drawing insights from a Kiplinger article and years of client experience, Albert explains how each of these elements works together to build a retirement strategy that’s not only financially sound but aligned with your personal goals. Whether you're a high earner with significant savings or just starting to think seriously about your retirement timeline, this conversation offers practical steps to help reduce surprises, manage risk, and create long-term financial clarity.

Timestamps:
00:33 – Why Retirement Planning Is More Than Just Saving
02:59 – Introducing the 5 Retirement Pillars
04:26 – Pillar #1: Tax Planning (Most Overlooked & Costly)
06:48 – Minimizing Lifetime Taxes vs. Just This Year
08:43 – RMDs and Roth Conversions Explained
10:20 – The Power of Proactive Tax Strategy
11:10 – Pillar #2: Investment Planning & Risk Management
13:18 – Fees: The Hidden Threat to Your Portfolio
14:21 – DIY vs. Professional Investment Management
15:28 – Pillar #3: Income Planning (Creating Your Own Paycheck)
16:54 – Social Security, Inflation, and Longevity
18:00 – Withdrawal Strategies and Tax Efficiency
18:25 – Pillar #4: Healthcare & Medicare Costs
19:14 – Long-Term Care: Why It Shouldn’t Be Ignored
19:57 – Retiring Before 65? What You Need to Know
20:34 – Pillar #5: Estate Planning & Purpose-Driven Wealth
21:17 – Preparing for Widowhood & Beneficiaries
21:38 – Aligning Your Retirement Plan With Personal Values
23:12 – Why Coordination Between Pillars Is Key
24:21 – The Value of an Ongoing Retirement Guide
25:56 – Final Thoughts: Start Owning Your Retirement Today

📞 Have questions? Need advice? Contact Albert Lalonde at Kaizen Financial Group to set up a consultation today!
👉 Call us at 586-752-7008
👉 Visit us at kaizenfinancialinc.com

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