Join us each week for important financial and retirement planning guidance on the Retire With Freedom Podcast with Tad Hill, RFC, CRPC® & Toni Hill, RFC of Freedom Financial Group. Tad and Toni will talk about important topics related to your IRAs, 401(k)s, Social Security, and more. They'll help you understand things like market volatility, risk, annuities, and so much more. Freedom Financial Group helps you manage all the pieces of your retirement plan so you can retire with confidence. If ...
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One Hundred Shares Birmingham: Making a Difference Together
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Neither Freedom Financial Group nor AEWM are affiliated with Shawn Grubb, Amy Tankersley or One Hundred Shares Birmingham. On this special episode of Retire With Freedom, we are joined by guests Shawn Grubb and Amy Tankersley. Amy and Shawn help run One Hundred Shares Birmingham, a charity that awards financial grants to Christian ministries in nee…
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Big Questions People Have As They Near Retirement
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In this episode of Retire With Freedom, Tad and Toni will break down some of the major questions people have as they near their retirement years. They’ll discuss important topics like determining a safe withdrawal rate and choosing the right tools for effective tax planning. While we cover some of the big retirement questions that people have, we’l…
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Why Do Some People Retirement Plan Alone?
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When it comes to retirement planning, especially in the age of the internet, there are a lot of folks who feel like they have the know-how to tackle it alone. However, going solo often means overlooking key questions and considerations that could make a huge difference down the road. In this episode, Tad and Toni discuss why some people choose to t…
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Just like a football field has 100 yards, we’re celebrating episode 100 of Retire With Freedom! In football, the area from the 20-yard line to the end zone is known as the ‘red zone.’ But what does the ‘financial red zone’ mean, and when does it begin? We’ll dig into that in this episode! It’s also Halloween, so Tad and Toni share a funny story fro…
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Generalists Vs. Specialists Of The Financial World
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In construction, you have general contractors who can handle a range of tasks, and specialists, like electricians and roofers, who focus on one specific area. The same is true in the financial world, which has both general advisors and specialists. This distinction is important when it comes to planning for retirement. In today’s episode, Tad and T…
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Retirement Today: Not Your Parents Retirement
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Retirement today is vastly different from what your parents or grandparents experienced. Not only are people working longer, but they’re also living longer, too. With advances in medical technology and an increase in life expectancy, retirement has taken on a whole new meaning. In fact, retirement can often be more costly than your working years, e…
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Chess, Roulette, and Poker: Financial Comparisons To These Well-Known Games
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Chess, roulette, and poker are games that illustrate different balances of luck and skill. Similarly, some financial situations can be compared to these games. Join Tad and Toni Hill as they break down some retirement planning decisions you might encounter, and whether those decisions are most like chess, roulette, or poker. When making financial d…
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How Retirement Planning and Estate Planning Go Hand in Hand with Anne Moses
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Anne Moses with Moses & Moses P.C. is not affiliated with Freedom Financial Group or AEWM. In this episode of Retire With Freedom, we welcome Anne Moses from Moses & Moses, P.C. to discuss the vital relationship between your financial advisor and estate planner. It takes a village to get your retirement in order and to ensure you’re leaving your ch…
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Say What You Mean: Decoding The Language Of The Financial World
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In the financial world, some people may use fancy terms or phrases that don’t always mean what you think. But when it comes to managing your money, transparency and honesty are key. You deserve to work with someone who tells it like it is. Join Tad and Toni as they dig into why it’s important to truly understand the financial tools you're using, th…
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Everyone’s personality is unique, and this individuality extends to how we spend money. On this episode of Retire With Freedom, Tad and Toni break down the different spending personalities they’ve observed and highlight the common traits that define them. From the emotional spender, who lets their feelings dictate purchases, to the YOLO spender, wh…
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Financial Planning with Charles Barkley
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Basketball legend Charles Barkley, known for his larger-than-life personality and memorable quotes, has left us with plenty of moments that make us laugh or scratch our heads. Although Barkley had a successful playing career, he is perhaps better known for his off-the-court antics in the media world since his playing days have ended. In this episod…
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The Dirty Little Secrets of Financial Planning
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In this episode of Retire With Freedom, Tad and Toni Hill tackle some of the most contentious and misunderstood topics in financial planning. They cut through the noise and address the often-debated "dirty little secrets" of retirement planning, focusing on annuities, the stock market, and other investment tools. Tad and Toni dive into why financia…
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Don’t Assume These Things About Retirement Planning
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When it comes to retirement planning, people often make a few key assumptions. Some think they'll spend less or pay less in taxes, while others fear they may never be able to retire at all. We’ve all heard the saying about what assumptions do, and it’s a good reminder that making them might not be the best approach when it comes to our finances eit…
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Financial Laws & Empowering Women in Finance
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Just like the laws of physics, there are some basic laws or principles of finance that should be considered when building your financial plan so you can retire with freedom and have the life you want for yourself. From future tax implications to inflation, there’s much to consider in your financial future. On top of all that, women also play a cruc…
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Crisis or Opportunity? Planning for Financial Curveballs
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Where some people see a crisis, others see opportunity. Some of it has to do with your mindset, some of it might have to do with the circumstances of your life. In this episode, Tad and Toni explore some financial curveballs that might not seem ideal at first, but could lead to a better opportunity for the right person… For example, it can be frust…
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Getting To Know Tad and Tyler: Irrational Fears
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We’re taking a break from the financial talk on today’s episode to have some fun getting to know Tad and Tyler. Join us as the duo explores their biggest irrational fears! Tyler kicks off the conversation with her fear of loose hair and recounts a cringe-worthy dining experience that many of us can relate to. Tad then takes us on a trip down memory…
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Mark Twain has brought wisdom and humor to readers for generations now. But how can some of his most famous words apply to financial decision-making? Join Tad and Tyler Hill as they break down some of Twain’s best through a financial lens. The duo discusses how building a good retirement plan is almost entirely independent of the current political …
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Are These Items on Your Retirement Checklist?
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Are you truly ready for retirement? There are some big questions that you should be asking yourself when it comes to your retirement readiness. Join Tad and Tyler Hill as they go through the 9 things that should be on your retirement checklist. Knowing the answers to these questions is key to setting yourself up for financial success! Along with th…
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The Importance of Setting and Sticking to Goals in Financial Planning
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Moving the goalposts when retirement planning can be a dangerous game and leave you open to some negative financial impacts. This concept refers to the habit of setting financial goals and then shifting them once you get close to achieving them. Having set goals and plans and sticking to them is important as you approach retirement. For example, if…
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How Should I Approach Charitable Gifting? Mailbag Episode
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We’ve got a mailbag edition of the show for you today! One of our listeners, Diane, asks how to approach charitable gifting, as it’s something she’s never been involved with before. Tad, Toni, and Tyler share their experiences with various charities and share some insights on efficient tax strategies for charitable gifting. Then, another listener a…
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The Constants & Variables Impacting Your Retirement Future
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This episode focuses on the constants and variables of retirement, providing insights on market volatility, income planning, and lifestyle analysis. Toni shares a relatable analogy, comparing income planning to cutting a juicy steak on a slippery plate. Without a stable foundation, it's nearly impossible to enjoy the meal. Similarly, a stable and p…
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Should I Sell Off Some Of The Big Winners In My IRA? Mailbag Episode
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We’ve got a mailbag edition of the show for you today! From time to time, we like to answer listener questions here on the podcast. This time, Eric in Hoover asks whether he should start selling off some of his high-performing investments in his IRA to avoid potential losses in the next market downturn. Stay tuned as Tad and Tyler dive into Eric’s …
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Procrastination is a natural human tendency, especially when faced with tasks that feel overwhelming. That’s why many people find themselves procrastinating when it comes to creating a retirement plan. While some fear that they are in a worse financial situation than they actually are, others think they don't need a retirement plan until they are o…
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Why Financial Rules of Thumb Just Don’t Cut It
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Have you ever heard of the Rule of 100? This rule suggests that you should subtract your age from 100 to determine the percentage of your portfolio that should be in stocks. What about the 75% Rule, which claims that you will only need 75% of your pre-retirement income to maintain your lifestyle in retirement? In this episode, Toni and Tyler are he…
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In today's episode, we're talking about the significant wealth transfer happening as baby boomers prepare to pass on their accumulated wealth. With so many people leaving behind substantial legacies, it's important to understand how to manage and optimize the assets you're leaving behind. Listen in as Toni and Tyler talk about the impact different …
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Retirement Uncertainties: Crafting a Comprehensive Plan
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Retirement is a huge milestone, often filled with both excitement and apprehension. It's a time filled with questions and logistical challenges. When can I retire? How much do I need to have saved? How much can I spend? There are tons of moving parts to this process, and without the help of a professional, the process can feel very overwhelming. Li…
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Forced To Retire Early/Getting To Know Tad, Toni & Tyler
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Retirement is a milestone that many of us look forward to, but what if it comes knocking on your door earlier than expected? In today’s episode, Tad and Toni take a few minutes to discuss some of the tough questions and decisions that accompany an unexpected retirement. Having a trusted advisor by your side can help you navigate some of these decis…
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The financial planning world is full of common rules of thumb and assumptions you’ve probably heard of. For example, have you ever been told that you'll be in a lower tax bracket in retirement? Or that life insurance becomes unnecessary as you enter your golden years? We’re excited to welcome Tyler, Tad and Toni’s daughter, onto the show this week …
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From School Days to Retirement Plans with friend Bryant Driggers
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Neither Freedom Financial Group nor AEWM are affiliated with Bryant Driggers or One Brother. One Sister. ONE Mission. In today’s episode, Tad and Toni reconnect with an old friend, Byrant “Breyer” Driggers. Breyer has a story that many in their late fifties and early sixties can relate to, working hard to become debt-free and create a secure future…
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Healing and Hope: Inside The WellHouse with CEO Carolyn Potter
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Neither Freedom Financial Group nor AEWM are affiliated with Carolyn Potter or The WellHouse. We love to feature local charities that we work here on the podcast. So, in today’s episode, we're honored to welcome a very special guest, Carolyn Potter- CEO of The WellHouse. She’s here to give us a look at the inspiring work of this incredible organiza…
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Important Questions To Be Asking In Retirement
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In this episode, Tad and Toni share a few important questions you need to ask yourself as you prepare for retirement. They discuss common misconceptions about downsizing your home, the realities of retirement expenses, and the importance of having a solid income plan before you step into this new season of life. For example, if you’re thinking abou…
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Is Your Financial Advisor Planning or Pitching?
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Are you getting a tailored retirement plan or just a sales pitch? In today’s episode, you’ll learn how to recognize whether a financial advisor is looking out for your best interests or merely trying to sell you products. Stay tuned as we share some client stories, give you some red flags to look out for, and caution that credentials alone don’t gu…
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Are You Basing Your Retirement On Fuzzy Math?
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When it comes to retirement planning, many people believe they've got it all figured out. "I'm averaging 7-8% on my investments," they say, for example, confident that this will carry them through their golden years. But is this confidence misplaced? Stay tuned as we explore some of the flawed calculations that many retirees make regarding their fi…
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Unique Challenges in Retirement Planning
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Creating a customized retirement plan for someone often means addressing unique challenges along the way. Whether you face a health problem, a job loss, or a roof leak, life has a way of throwing unexpected hurdles at us. In today’s episode of Retire With Freedom, Tad and Toni discuss some of the unique challenges they’ve helped clients with throug…
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A retirement plan isn’t something that you create once and put on a shelf to gather dust. You want to make sure it’s working to support your retirement dreams with growth and preservation. Join Tad and Toni as they explore the importance of crafting and adjusting your personalized financial plan. From handling market ups and downs to dealing with u…
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The Importance of a Written Financial Strategy
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Crafting a written financial plan for retirement is critical, yet shockingly, only 43% of Americans have one. Just like a football coach wouldn't step onto the field without a game plan, your financial future shouldn’t be left to chance without a solid strategy in place. In today's episode, we're focusing on why having a well-crafted financial plan…
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Many people consider or plan to work part-time in retirement. Maybe you’re thinking about pursuing a passion or leveraging a skill set for some additional income. While the idea of working part-time in retirement is appealing, it’s important to recognize that these plans don’t always unfold as expected. Unfortunately, the nature of post-retirement …
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Crafting Your Perfect Retirement Recipe
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Crafting the right retirement nest egg recipe for you requires a unique blend of financial ingredients. Like cooking, where each dish benefits from a thoughtful combination of flavors, retirement planning is about finding the perfect balance that suits your tastes and goals. And with this, it’s important to avoid any mixes that could be toxic to yo…
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Signs That You Need a Retirement Planner
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Every successful financial story begins with a clear understanding of where you want to go and how you’re going to get there. Think of it like taking a road trip, where you need gas in the tank, air in the tires, and a GPS to help you stay on track. Without a proper plan, it can be easy to lose your way. While many people try to take the DIY approa…
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Planning for Retirement in the Sandwich Generation
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Navigating retirement planning is no easy feat, and today's middle-aged adults, typically in their 40s and 50s, find themselves in what's known as the "sandwich generation." Juggling the financial support of both elderly parents and their own children, this dual responsibility often slips under the radar when planning for retirement but is very imp…
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Navigating Market Volatility with Confidence
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In today's volatile market environment, having a solid financial strategy is essential. But despite what some financial professionals might try and tell you, this process isn't just about balancing stocks and bonds. Join us in this episode as we talk about the importance of crafting a financial roadmap tailored to your life. We dive into the intric…
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Navigating the Stock Market Rollercoaster
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The stock market can be unpredictable, taking your hard-earned money on quite the thrill ride. In this episode, we explore the challenges many face when navigating the highs and lows of the market and discuss strategies to ensure a smoother ride for your nest egg. Throughout this conversation, we discuss why a good retirement plan goes hand-in-hand…
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Retiring at 55, Investing in Foreign Currencies and More! Mailbag Episode
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Join us as we answer some listener questions in today’s episode. These episodes are a great way for you to learn from real-life financial planning questions. One listener is considering retirement at the age of 55 and wants to know if it's a bad idea. Another listener asks Tad and Toni what their thoughts are on investing in foreign currencies. Sti…
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Rethinking Retirement: Challenging Conventional Wisdom
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In today’s episode, we’re going to challenge conventional wisdom surrounding retirement planning. For example, is a mortgage always considered “good” debt for everyone? Or is changing investments when they're not performing well the right solution? Stay tuned as we chat about some of these commonly held beliefs and the importance of having a well-r…
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The question ‘When can I retire?’ is one we get quite often. Rather than viewing retirement as a fixed dollar amount or an age milestone, it's a complex question that requires careful analysis. Unfortunately, many investment brokers and media personalities offer generic advice without understanding individual circumstances. But your retirement date…
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The Reality of Retirement Planning Today
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In today’s episode, we’re talking about some undeniable retirement planning truths: people are living longer, involuntary retirement is becoming more common, healthcare costs are rising, and the stock market remains unpredictable. Preparing for retirement looks vastly different than it did just a decade ago, and it’s more important than ever to hav…
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If you’re in the market for a financial advisor, it’s important to make sure you’re working with the right team. But for those new to the world of financial planning, distinguishing the right advisor from a potentially poor fit can be challenging. In today’s episode, we explore key indicators and red flags to help you navigate this decision and sha…
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Understanding Your REAL Risk Tolerance
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Do you think it’s possible that we could see another financial crisis in your lifetime? When we ask prospective clients this question, most of them answer with “yes.” Do you know how much your portfolio would be down in the event of another 2008? If you aren’t sure, shouldn’t you be? In today’s episode, we’re going to talk about a disconnect that w…
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Problem Solving in Retirement Planning
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Retirement planning is about problem-solving. It's not just about asset allocation; it's about identifying your current and future needs, managing expenses, addressing healthcare concerns, and crafting a legacy plan. In our conversation today, we talk about why it’s so important to work with an advisor who understands your entire financial picture.…
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Financial Terms You Thought You Understood: Diversification
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Diversification is a word thrown around a lot in the financial world and is often misunderstood. We find that many investors claim to be diversified, but upon closer inspection, lack true diversity in their portfolios. It's not just about stocks and bonds; there's a whole world of asset classes and investment tools that might not even be on their r…
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