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The Complete Cardinal Guide

TO PLANNING FOR AND LIVING IN

RETIREMENT

WE HELP YOU EMBRACE THE 7 WORRIES IN RETIREMENT

“Finishing Well”

with Hans Scheil

Retirement planning involves a lot more than just managing your money. This show is the complete guide to planning for and living in retirement, helping families finish well. Host Hans Scheil will discuss a new topic every week ranging from Social Security and Medicare to IRAs and taxes. Follow along each week by downloading the corresponding chapters below for free! New episodes air Saturday mornings on the Truth Network. All episodes are posted on ITunes, Spotify, TuneIn, Sticher, and on this page. If you have any questions you would like Hans to answer on air or any comments please fill out the form below!

Download chapters for free or check out our blog.

3 Tax Benefits of Roth IRAs in Retirement

In retirement, taxes change a lot. A source of many of these changes comes from the fact that most retirees are now drawing from their IRAs for income.  Roth IRAs are going to give retirees a triple crown of tax benefits with a proper plan in place for how to use this...

How do I make sure my spouse will have enough money after I pass?

You likely have someone dependent on your income to live. While this is usually a spouse, it can also be an adult child, grandchild, or anyone else who relies on you for support. When you die, they are going to need something to replace your income, even if you are...

What is the minimum amount of life insurance I should have in retirement?

Once you reach retirement, it might seem that you don’t need life insurance anymore. Your children are supporting themselves, your house is paid off, you have savings - you’re all set.  While this is a great position to be in, every single person should consider a...

Should I leave my IRA to my kids?

The purpose of an IRA, or a 401(k), is to fund your retirement and provide income when you are done working.  While many retirees use their IRA for this exact purpose, others view it as a wealth transfer vehicle. Many people stuff a large portion of their savings into...

What’s the best age to buy long term care insurance?

Too often, clients only seek long term care insurance once it is too late. The cost for the care they want, usually home health care, becomes prohibitive at this late stage. For most people, long term care insurance is an option worth considering earlier rather than...

Does Medicare Cover Home Health Care?

Health care in retirement starts with Medicare, but Medicare is not where it ends. The fact is Medicare will only pay for a very specific and limited amount of home health care benefits. We will go over what Medicare will cover, what they won’t, and other options you...

Is Social Security going to run out?

There are a lot of myths that go around about Social Security: Social Security is going bankrupt, take it now or you won’t get it, or that the government has been spending it on other things.  There is a report that the Social Security Administration publishes every...

Selling your home in retirement? You might not have to pay taxes on the gain

Retirement is full of changes. For many, this means moving homes.  When you sell your house, are you going to be saddled with a huge tax bill? For most, the answer is no. What are Capital Gains? Capital gains are any profit you make when selling any capital asset you...

The Good and the Bad of Revocable Living Trusts

We have many clients ask us if they should have a revocable living trust as part of their estate plan. Most clients asking this question have attended a seminar selling “revocable living trusts”.  Whether or not you need a trust depends on what you want to accomplish...

5 Categories of Investment Risk and How They Affect your Retirement

Risk is inherent in investing. When young, most people are able to be more risky.  Once reaching retirement age, many are unaware of what types of risks they are taking, and which risks they should stop taking. Retirement begins living off your savings, but as you...

A Guide to IRA Relief from the CARES Act

The Coronavirus Aid, Relief, and Economic Security (CARES) Act, passed March 27, 2020, offers relief for qualified individuals suffering from COVID-19, specifically in terms of your retirement accounts.  Make sure to not pull out or put money into these retirement...

Affordable Long Term Care Insurance (even with pre-existing conditions)

Traditional long term care insurance can be expensive, and while not without reason, we understand it is just not realistic for a lot of people’s budgets.   One alternative to traditional long term care insurance is short term care insurance, which allows you to...

Everything You Need to Know about Medicare Part A and Part B

If you are turning 65, or about to lose your work insurance, it is crucial to understand Part A and Part B of Medicare. The industry can make Medicare really confusing and hard to understand, but we want to break it down for you so that you can have the knowledge to...

Wait, Social Security is an Annuity?

Social Security is the foundation of the average person’s retirement plan. Social Security is an annuity that every qualified beneficiary receives, but it might not be enough to live off of in retirement.  Make sure you understand how Social Security works and how it...

How to Take Advantage of Low Tax Rates for Retirement

In 2017, the Tax Cuts and Job Act was passed, significantly lowering personal tax rates. While most people see this as an opportunity to get a larger refund check, there is a lot more you can do to take advantage of these rates.  Understanding tax rates, the rate...

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