Welcome to Empower Your Retirement podcast, your trusted companion on the path to retirement prosperity. As the cornerstone of financial security for families and individuals, we're dedicated to making your retirement dreams a reality. Dive into insightful discussions led by the Guida family, renowned for their decades of experience in financial planning and wealth management. Tune in to our podcast as we share actionable insights, insider tips, and expert advice to navigate the complexities ...
…
continue reading

1
How to Boost Your Retirement Income: A Financial Game Plan
10:31
10:31
Play later
Play later
Lists
Like
Liked
10:31Ever wonder how to optimize your retirement portfolio? Frankie Guida and Noah Williams go through strategies for balancing risk and returns, analyzing underperforming investments, and making informed decisions to boost your retirement income. Learn how one couple reduced their risk while increasing their potential returns and saving on fees, transl…
…
continue reading
Retirement planning can be tricky, but there are ways to ensure a steady income. Frank and Frankie Guida discuss how pension and income annuities offer guaranteed income streams, even for those without traditional pensions. They also explain how converting IRA money to Roth can provide tax-free income later in life. Real-life examples illustrate th…
…
continue reading

1
Is Your Retirement Portfolio Ready for Market Volatility?
12:30
12:30
Play later
Play later
Lists
Like
Liked
12:30Empowering your retirement by making your savings work for you can be a challenging transition. Frank and Frankie Guida discuss various annuity options, including fixed, immediate, and fixed index annuities, which provide income stability and market risk protection. The Guida’s highlight how fixed index annuities can replace bonds and ensure a stea…
…
continue reading

1
How to Minimize Taxes on Your Retirement Savings
11:07
11:07
Play later
Play later
Lists
Like
Liked
11:07Retirees can save thousands in taxes by strategically planning their Required Minimum Distributions (RMDs). Frankie Guida highlights the impact of RMDs on retirement savings and the potential for tax-efficient legacy planning through strategies like Roth conversions. Schedule a complimentary appointment: A Better Way Financial CLICK HERE to registe…
…
continue reading

1
How to Secure Your Financial Future in Uncertain Times
13:19
13:19
Play later
Play later
Lists
Like
Liked
13:19Retirement planning can feel like a roller coaster ride, especially in turbulent markets. It's crucial to adapt investment strategies as you near retirement to ensure stability. Frank and Frankie Guida share insights on how to manage investments during turbulent times, the necessity of portfolio reviews, and a real-life case study illustrating the …
…
continue reading

1
Is Your Retirement Plan Missing Out? How to Maximize Your Life Savings
12:52
12:52
Play later
Play later
Lists
Like
Liked
12:52Retirement plans should transform your savings into a life of leisure. By examining risk and returns, Frank & Frankie Guida explain that retirees can optimize their investment portfolio. They share an example of one retired couple that enhanced their income and lifestyle by analyzing fees, risk, and returns. Frank & Frankie also discuss annuities a…
…
continue reading

1
Finding Stability During Trump’s Tariffs | Understanding Risk Tolerance
9:58
9:58
Play later
Play later
Lists
Like
Liked
9:58Frank & Frankie Guida discuss the recent market volatility amidst Trump’s policies on trade & tariffs and why identifying risk tolerance is essential for retirees. They explain that people don’t have to worry about market fluctuations if they are proactive in planning for retirement. Schedule a complimentary appointment: A Better Way Financial CLIC…
…
continue reading

1
The Power of Roth Conversions | Are You Paying Too Much in Taxes?
10:28
10:28
Play later
Play later
Lists
Like
Liked
10:28Are you missing out on significant tax savings in your retirement? Frank & Frankie Guida explore the importance of strategic tax planning for retirement. Roth conversions can potentially save retirees hundreds of thousands of dollars in taxes throughout their retirement years, enhancing their financial stability and maximizing their income. Frank &…
…
continue reading

1
CRS Interviews with Chase Matthew, Hudson Westbrook & Redferrin
19:39
19:39
Play later
Play later
Lists
Like
Liked
19:39Frankie Guida had the chance to attend the Country Radio Seminar in Nashville on February 19th-21st. He sat down with up-and-coming artists Chase Matthew, Hudson Westbrook & Redferrin. Chase Matthew discussed his biggest musical influences, collaborations he dreams about, and what’s next for him in the near future. Hudson Westbrook, who broke into …
…
continue reading

1
Retirement: The 30-Year Vacation You Need To Think About
10:24
10:24
Play later
Play later
Lists
Like
Liked
10:24Retirement could be a never-ending vacation, but how do you prepare for it? In this episode, Frank & Frankie Guida discuss the importance of organizing financial details and goals before retirement. They explain how retirement planning could transform your life, offering freedom and fulfilling your dreams, whether it's traveling, spending time with…
…
continue reading

1
Are You Retirement Ready? | Making the Most of Your Retirement
11:57
11:57
Play later
Play later
Lists
Like
Liked
11:57Feeling overwhelmed by retirement planning? Frank & Frankie Guida dive into the benefits of comprehensive planning that is customized for your individual needs. They explain how to transition from a steady paycheck to stable retirement income, minimize taxes, and maximize your financial resources. Frank & Frankie also offer practical insights into …
…
continue reading

1
Minimize Your Tax Burden | The Power of Tax Planning
13:34
13:34
Play later
Play later
Lists
Like
Liked
13:34Frank & Frankie Guida discuss how proper tax planning, as opposed to mere tax preparation, can significantly reduce your tax burden throughout your retirement. By utilizing strategies like long-term capital gains, Roth conversions, and efficient withdrawal methods, they explain how you can maximize your retirement savings and minimize taxes. Schedu…
…
continue reading

1
Maximize Your Retirement: Smart Strategies for Financial Stability
12:34
12:34
Play later
Play later
Lists
Like
Liked
12:34Frank & Frankie Guida explain why it’s important to understand how to balance risk and growth. They discuss the importance of saving 10% of your income from an early age and adjusting your investment strategy as you approach retirement. Frank & Frankie touch on strategies for diversifying your portfolio and securing your savings. Schedule a complim…
…
continue reading

1
Unlocking Steady Retirement Income | Are Annuities Right for You?
11:20
11:20
Play later
Play later
Lists
Like
Liked
11:20Frank & Frankie Guida explore the role of annuities in supplementing retirement income. They explain how annuities can function as a personal pension, providing a reliable income stream, especially for those without traditional pensions. Frank & Frankie explain that by investing a portion of savings into income annuities, retirees can ensure steady…
…
continue reading

1
Are You Making These Common Retirement Mistakes?
12:36
12:36
Play later
Play later
Lists
Like
Liked
12:36Planning for retirement is crucial, but many people over 50 make common financial mistakes. Frank and Frankie Guida discuss that hiring a financial planner to navigate the complexities of retirement can help optimize savings and benefits. This includes understanding Social Security, pension plans, and tax laws that affect retirement income. Frank a…
…
continue reading

1
Is Your Retirement Portfolio Prepared for the Next Market Crash?
11:52
11:52
Play later
Play later
Lists
Like
Liked
11:52What will happen to your retirement plan if the market dips again? Frank and Frankie Guida discuss the importance of understanding and managing risk in retirement portfolios. The traditional 60-40 stock-bond portfolio remains popular, but it may not suit everyone, especially those nearing retirement who can't afford significant losses. Frank and Fr…
…
continue reading

1
How to Build Your Own Pension Plan for Retirement
11:12
11:12
Play later
Play later
Lists
Like
Liked
11:12Wondering where your next paycheck is coming from in retirement? Frank and Frankie Guida discuss various strategies for creating personal pensions to ensure a steady income stream after you stop working. They explore options like fixed index annuities and tax-efficient withdrawals while focusing on customized planning for individual circumstances. …
…
continue reading

1
Is Your Retirement Plan Prepared for the Unexpected?
12:52
12:52
Play later
Play later
Lists
Like
Liked
12:52Are you prepared for financial challenges like natural disasters? Frank and Frankie Guida discuss strategies for safeguarding your investments even in the face of unexpected events. They highlight the importance of understanding risk tolerance, the role of annuities and bonds, and how to structure a portfolio to protect against market downturns whi…
…
continue reading

1
Are You Getting the Most Out of Your Social Security?
10:36
10:36
Play later
Play later
Lists
Like
Liked
10:36The rules keep changing each year with Social Security while the full retirement age gradually increases. Frank and Frankie Guida discuss how claiming benefits before reaching full retirement age can reduce monthly payments, while delaying claims can lead to increased benefits. However, the decision is not straightforward, as individual circumstanc…
…
continue reading

1
How Can You Maximize Retirement Income? Don’t Miss These Key Elements!
11:18
11:18
Play later
Play later
Lists
Like
Liked
11:18As you approach retirement, securing your financial future becomes increasingly crucial. With so many aspects to consider, from Social Security to investment strategies, creating a comprehensive plan is essential. In this episode, Frankie Guida discusses why retirement planning isn’t just about saving; it's about optimizing every aspect of your fin…
…
continue reading

1
The New Year’s Resolution Retirees Should Make
11:39
11:39
Play later
Play later
Lists
Like
Liked
11:39Frank and Frankie Guida discuss setting realistic financial goals and resolutions, with a focus on one important thing that people heading into retirement need to consider: proactive planning. They share insights on how to approach building a retirement plan and why starting early can reap benefits for a more secure retirement. Connect with the tea…
…
continue reading

1
The Reason Why You Should Forget About the 4% Rule
10:16
10:16
Play later
Play later
Lists
Like
Liked
10:16New research that stress-tested the 4% rule revealed that it failed for older ages, resulting in the lowest income over time. But why is this the case? Frank and Frankie Guida reveal the reason and explore the risks associated with the 4% rule and why customized income planning is more effective for retirees. They also touch on tax planning for you…
…
continue reading

1
Don’t be Overexposed to the Stock Market: What Retirees Need to Consider Instead
11:30
11:30
Play later
Play later
Lists
Like
Liked
11:30The Fed cut interest rates again and the stock market tanked. Even though 2024 has shown great returns despite the recent drop, what do those in retirement and nearing retirement need to pay attention to? In this episode, Frank and Frankie Guida discuss risk tolerance amid market volatility and the need to seek a balanced portfolio that can sustain…
…
continue reading

1
Retire Early: Can You Afford to Quit Now?
10:27
10:27
Play later
Play later
Lists
Like
Liked
10:27Some people nearing retirement can retire a lot sooner than expected, but is it something everyone should do? In this episode, Frank and Frankie Guida dive into the delicate balance between work and retirement, emphasizing the importance of financial planning. They discuss how careful analysis and strategic planning can reveal whether individuals c…
…
continue reading
Are you paying more taxes than you need to? What effect does the national debt have on future taxes? Frank & Frankie discuss personalized tax planning strategies that could help reduce your tax burden throughout your retirement. By analyzing individual tax returns and investment portfolios, they demonstrate how to maximize savings. They also highli…
…
continue reading

1
Time to Embrace Annuities? Addressing The #1 Fear of Retirees
11:31
11:31
Play later
Play later
Lists
Like
Liked
11:31While pensions continue to become rarer, the number one fear that retirees have today is running out of money. So how do annuities come into play? Frank and Frankie discuss why annuities shouldn’t be discounted while planning for sustainable income in retirement. They touch on how effective tax planning can enhance retirement income and boost overa…
…
continue reading

1
Balancing Your Risk Tolerance During All-Time Highs in the Market
13:16
13:16
Play later
Play later
Lists
Like
Liked
13:16The market continues to show resiliency in a time of uncertainty, causing some to believe a correction is around the corner. Frank and Frankie explore how recent economic developments are influencing investment portfolios and retirement planning. They dive into the significance of balancing risk tolerance with growth potential for long-term savings…
…
continue reading

1
What You Need to Know about 401k Contributions in 2025
11:31
11:31
Play later
Play later
Lists
Like
Liked
11:31Frankie dives into the SECURE 2.0 Act and what changes have been made for individuals and companies when it comes to contributing to a 401k account, including Roth options. He also touches on legacy and estate planning and reveals a shocking statistic about how many people don’t have a will in place. Connect with the team at A Better Way Financial …
…
continue reading

1
Exploring The Misconceptions About Social Security
11:34
11:34
Play later
Play later
Lists
Like
Liked
11:34Frank and Frankie continue the discussion on Social Security and the various ways to claim benefits, the importance of timing, and strategies to maximize income during retirement. They emphasize how comprehensive financial planning can help make informed decisions about when to start receiving Social Security to best individual circumstances. Conne…
…
continue reading
Frank and Frankie discuss the complexities of Social Security, emphasizing the importance of understanding various claiming strategies to maximize benefits. They discuss common misconceptions, the impact of timing on benefits, and the significance of personalized financial planning, especially for couples. Connect with the team at A Better Way Fina…
…
continue reading

1
Required Minimum Distributions: What You Need to Know
9:48
9:48
Play later
Play later
Lists
Like
Liked
9:48Frank and Frankie discuss strategies for preparing for a secure financial future, focusing on retirement savings, understanding required minimum distributions (RMDs), and effective tax planning. They emphasize the importance of being strategic with RMDs and highlight the potential benefits of Roth conversions to minimize tax burdens. Connect with t…
…
continue reading
Frank and Frankie discuss the importance of identifying hidden fees in investment portfolios and how these fees can significantly impact retirement savings. They share case studies demonstrating how clients have saved substantial amounts by analyzing their fees and adjusting their portfolios. The discussion also emphasizes the importance of risk ma…
…
continue reading
Frank and Frankie dive into tax implications in retirement and optimizing retirement income through effective portfolio management. They explore the importance of understanding state tax policies, the impact of inheritance taxes, and how to structure retirement portfolios to achieve better returns while managing risk. Connect with the team at A Bet…
…
continue reading

1
The Balancing Act of Federal Rate Cuts and Market Risks
12:00
12:00
Play later
Play later
Lists
Like
Liked
12:00Frank and Frankie discuss various aspects of financial planning, particularly focusing on retirement savings, the impact of the Fed cutting rates, and the importance of portfolio diversification. They emphasize the need for safe investments, tax strategies, and planning for a comfortable retirement while considering personal legacies. Connect with …
…
continue reading

1
Talking to Lynyrd Skynyrd About Retirement
12:53
12:53
Play later
Play later
Lists
Like
Liked
12:53Frank and Frankie discuss the importance of financial planning and retirement preparation. Frank shares his memorable experience meeting the band Lynyrd Skynyrd, highlighting the band's legacy and their connection with fans. The conversation transitions into the significance of financial independence and achieving retirement goals. Connect with the…
…
continue reading
Frank and Frankie discuss the need for personalized financial advice, the significance of understanding withdrawal rates, and the potential pitfalls of relying solely on the 4% rule. The discussion also highlights the value of thorough financial planning, including tax savings and risk management, to maximize retirement income. Connect with the tea…
…
continue reading

1
The Retirement Challenges Younger Baby Boomers Face
10:16
10:16
Play later
Play later
Lists
Like
Liked
10:16Frank and Frankie discuss the challenges faced by younger baby boomers who are approaching retirement with less savings due to the impact of the Great Recession. They emphasize the importance of focusing on income rather than the total amount saved and highlight strategies such as maximizing contributions to retirement accounts and considering a Ro…
…
continue reading

1
Understanding The Impact of Age on Social Security Benefits
9:48
9:48
Play later
Play later
Lists
Like
Liked
9:48Social security is a complex topic that requires careful planning. The age at which you start taking social security benefits can have a significant impact on your monthly check. Frank and Frankie discuss the differences between starting at age 62 and age 70. The decision on when to start taking social security depends on factors such as life expec…
…
continue reading

1
Determining Personal Risk Tolerance in Retirement Planning
11:29
11:29
Play later
Play later
Lists
Like
Liked
11:29Frank and Frankie highlight the importance of balancing risk and protection in retirement portfolios. They emphasize the need to understand how the markets work and to consider personal risk tolerance. The Guidas also discuss the role of financial planning in setting up portfolios for long-term success. Connect with the team at A Better Way Financi…
…
continue reading

1
Balancing Your Portfolio During Market Volatility
12:24
12:24
Play later
Play later
Lists
Like
Liked
12:24Frank and Frankie discuss the recent market pullbacks and how to protect oneself during these times. They emphasize the importance of understanding historical market trends and using a strategy that balances risk and safety. They also share a case study of a couple who were able to retire earlier and increase their income by adjusting their portfol…
…
continue reading

1
Working Because You Want To Vs. Needing To
10:28
10:28
Play later
Play later
Lists
Like
Liked
10:28Frank and Noah discuss the many factors that determine when someone should retire and emphasize the importance of working because you want to, and not because you need to. They also highlight managing risk in investments and reducing fees to optimize income in retirement. Connect with the team at A Better Way Financial to get a second opinion on yo…
…
continue reading

1
Managing Risk: Assessing And Diversifying Your Portfolio
12:10
12:10
Play later
Play later
Lists
Like
Liked
12:10Frankie and Noah highlight the impact of the upcoming election on financial planning and retirement strategies. They emphasize the importance of not letting political uncertainty dictate investment decisions and instead focus on long-term goals. Frankie and Noah also highlight the need for risk assessment and portfolio diversification to protect ag…
…
continue reading

1
Strategies For Maximizing Tax-Free Growth
11:28
11:28
Play later
Play later
Lists
Like
Liked
11:28Frank and Frankie discuss the complexities of Roth 401(k) contributions and the potential tax implications for employees. They emphasize the importance of tax planning and explore strategies such as maxing out Roth contributions, converting traditional 401(k) funds to Roth IRAs, and repositioning portfolios to minimize taxes. Connect with the team …
…
continue reading
Frank and Frankie talk about having a retirement mindset and the importance of aligning financial goals. They address the desire to become a millionaire in retirement and the challenges associated with unnecessary financial risks. Frank and Frankie also highlight the need for social security planning and tax planning and how they optimize retiremen…
…
continue reading
Frank and Frankie discuss overplanning for retirement, reducing taxes and risk, and how to incorporate charitable giving into financial planning. They emphasize the importance of tax planning and explain how it can potentially help save significant amounts of money through someone’s retirement years. Connect with the team at A Better Way Financial …
…
continue reading

1
Decluttering Your Portfolio In Retirement
11:49
11:49
Play later
Play later
Lists
Like
Liked
11:49Frank and Frankie highlight how certain investments can clutter a retirement plan and explain why fees and risk tolerance need to be analyzed. They emphasize why having a strategy for retirement income is crucial when developing a plan. Connect with the team at A Better Way Financial to get a second opinion on your portfolio today! Read our book! A…
…
continue reading
Frankie discusses fees within a financial plan and explains the need to uncover, reduce and understand them. He highlights the impact that fees can have on retirement savings. Connect with the team at A Better Way Financial to see how fees are impacting your retirement plan today! Read our book! Amazon Best Seller, “The Book on Retirement: A Better…
…
continue reading

1
The Impact Of Taxes On Retirement Planning
13:19
13:19
Play later
Play later
Lists
Like
Liked
13:19Frank and Frankie discuss taxes and various income options when planning for retirement. They emphasize the importance of effective tax planning and explain how Roth conversions could lead to tax savings to increase income. Connect with the team at A Better Way Financial to see how taxes are impacting your retirement plan today! Read our book! Amaz…
…
continue reading

1
Optimizing Your Financial Future Through Tax Planning
11:23
11:23
Play later
Play later
Lists
Like
Liked
11:23Frank and Frankie discuss the complexities of taxes and the importance of tax planning for retirement. They highlight the challenges of navigating the thousands of pages of the tax code and the additional IRS regulations. Also, Frank and Frankie touch on the benefits of Roth conversions and using non-qualified funds before tapping into Roth account…
…
continue reading

1
Exposing The Unwanted Fees In Your Retirement Plan
13:42
13:42
Play later
Play later
Lists
Like
Liked
13:42Hidden fees in your portfolio can eat away at your investments more than you think. In this conversation, Frank and Frankie discuss why it’s important to expose the fees in your retirement plan to maximize income. Connect with the team at A Better Way Financial to start developing your income plan in retirement today! CLICK HERE to register for one…
…
continue reading