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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.

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...

When is the last time you updated your Beneficiary Designations?

After you die, do you know who you want to receive your money? Are you sure they are going to be the one who gets it?  We have seen many instances where, because beneficiary designations were not given the attention they deserved, the wrong person got the money. ...

Types of Long Term Care Settings (& insurance options to cover them)

Long term care refers to a broad range of services delivering assistance to individuals who cannot live independently. It does not just mean nursing home.  When making a long term care plan, it is important to not only look at the costs of services, but what is going...

Can I take money from my IRA or 401k early?

Most Americans have retirement savings in an IRA or 401k account.  This money is meant to create an income for you in retirement. Before reaching retirement, unforeseen circumstances can arise, and if money is needed, many people look to these accounts.  If you are...

What is my risk tolerance in retirement?

Risk and reward go hand in hand. Many people focus on the reward that can come from investing and lose focus when it comes to the chance of loss. All investments involve some degree of risk. It is important to understand the level of risk you are willing to take on,...

Social Security Timing: It’s More Than Your Age

When you are getting close to retirement, one of the biggest decisions you face is when to start your Social Security check. While much of the decision is based on your age, there are other factors you should consider. You want to be sure you make the right decision...

Do I pay tax on my Social Security?

When it comes to income tax, a lot changes when you retire. Your money is not coming from a paycheck anymore. Social Security is the baseline of many retirees' income. It is important to know how this benefit will be taxed in order to accurately plan for your...

What is the High Deductible Plan G Medicare Supplement?

2020 brought a wave of change to Medicare. While the changes to Plan F offerings made the most headlines, 2020 also ushered in a new plan: the High Deductible Plan G.   ​ Changes to Medicare in 2020 With the passage of MACRA in 2015, the biggest change to new Medicare...

Living Benefits of Life Insurance

Life insurance has been around for centuries and most people understand the financial protection it can provide to your loved ones when you pass. More recently, life insurance companies have been adding benefits that can be used during the insured’s lifetime. We want...

How do I not outlive my money?

The number one worry for most retirees is outliving their money. When worried, people make poor decisions. Having a plan in place before you retire, or even 10 years into retirement, will give you peace of mind. Take a look at where your income streams will be coming...

IRA Lesson: RMDs, the Secure Act, and Tax-Free Money

Most Americans have money set aside for retirement in a 401(k) or IRA. If your money is in a qualified account, you are subject to RMDs, or required minimum distributions. The recent passing of the Secure Act has caused the rules around RMDs to change. Whether you...

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