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The Peace of Mind Retirement Planning Process

What does it look like to build a  retirement-focused financial plan?   What are all the steps? What do you have to  do? What information do you have to provide?   In today's episode, we are going to lay it all  out, super simple, for you. And our goal is,   by the time you get through this particular  episode, you're going to have a clear   picture. You're going to understand what it  takes so that you can have a secure, safe,   retirement, peace of mind to and through  retirement. We hope you enjoy this episode. To learn more about how to secure your retirement   and all the different elements you need  to know, please subscribe to our channel   and hit the bell so you'll be notified  when we release episodes every Monday. We have helped hundreds of our  clients gain clarity and get   on the path to a great retirement.  Now it's your turn.

Let's dive in. Welcome, everyone, to our Secure Your Retirement  podcast. Today is a very special episode. We're   going to kind of take you through our  financial planning process really from   an A to Z. And we get the question all the  time, how does this look? Does it work? To   be able to really help us to do that, we  have special guests with us. We have Nick,   who is here in our office; and we have Taylor,  who works with all of our clients as well,   but she does that all the way from Salt  Lake City, Utah, but she drove…

Nah,   she flew here. She came on all the way for  this episode and to be able to spend some   time with us. So thank you, Taylor, for coming  all the way out just for this special episode. Yeah, of course. But she did pick pretty good weather. She did, she did. All right. So, here's kind  of the premise of this particular episode. What   we get a lot of times is somebody who maybe has  worked with a financial planner, financial advisor   sometime in the past, maybe they never have, and  they go, "What does this look like? What's that   process look like?" So we have Morgan with us on  this episode, and Morgan's going to really be our   moderator and kind of interview us as to how this  whole thing works. So that's kind of the setup   for today so that you can understand from A to Z  how this all works.

So, Morgan, get us started. So let's assume someone has learned about us via  the website. They've seen our book. They, somehow,   have learned about us and they're ready to be  introduced. And how would they go about then,   Taylor, getting ready to do that? How would they  prepare for a personalized introduction meeting? Yeah. So first thing that we'll have someone do  is fill out what we call our financial snapshot,   and we send that over as a questionnaire  through email. And it has a bunch of   information and questions about things  like if you're currently working,   what your level of income is? And if you're  going to take Social Security in the future,   what your estimated benefit's going to be?  Or if you're taking Social Security now,   what your pension is all throughout your current  financial situation? That will help us get to   know you a little bit better and figure out  where we can help you with our services.

What if somebody's not quite ready to share all  of their information with us? How does that work? Yeah. So, Murs, I'll let you handle that one  since you have been around for a long time. So, when it comes to someone that is… And we  understand, right, it's your money that you've   taken time to build up over 30-some-odd years  and to go into a meeting with usually a complete   stranger and be able to give them everything, we  understand the apprehension around that.

But on   the flip side of the coin, you got to understand  that as a financial planner and the way that our   firm operates, we have to know quite a bit to be  able to make a decent recommendation. So we do   operate… I'm a CFP, Radon's a CFP, Nick's a CFP.  Taylor is one, too. And so as CFPs, we have to   operate under this fiduciary standard.  Fiduciary, by the way, pretty much means   that we are going to put our client's interest  ahead of our own. And the only way to do that,   the only way to make a decent recommendation,  the only way to give guidance going forward   is we need all the information really  that is pertinent to the conversation.

So if someone is not willing to  share account values with us,   or if they don't want to discuss some property  that they have or something like that, well   I'll tell you, it starts to raise a  little bit of a red flag for us because   there's a lot of things that go into all of  these elements of financial planning. And   it's one of those things where obviously,  yeah, we need to take time to build up the   trust to understand each other.

But on our  side of the table, if we can't get the data,   at the end of the day, the data is what is going  to help us make the best recommendation possible.   Then there there's holes in that data, then  we start to have issues on making projections,   understanding your risk levels, being able to  make a proper recommendation as far as what   investment strategy do we want to be utilizing.  So if we don't know all the chips on the table,   then it makes it very difficult. Ultimately,  that ends up being a separate conversation of,   "Hey, Mr. And Mrs. Client, where do  we want this engagement to really go?" Yeah.

I just wanted to piggyback on a little  bit about how Taylor opened it up because she   talked about all these different pieces that  we need. And if you think about our process,   we get some basic information. Obviously, we  want to know who you are, your date of birth,   some just basic information. But then we get right  into this idea of, well, give us an idea of where   your accounts are and what type of accounts.  So I just thought I'd ask Nick, if you could   take us through this, because you've worked a  lot with us as well around this data gathering.   Could you tell us… Maybe describe what are  the different types of accounts that people   would be submitting and why it's important to  know what those different kind of accounts are? Yeah.

So, some of the more common accounts are  IRA accounts and Roth IRAs. You have 401(k)s   that you might have built up for decades in the  past. Those are probably the most common ones,   but you can have brokerage accounts, whether  that's an individual brokerage or a joint account.   And then you also may have different annuity  accounts. So, those can be at different insurance   companies in the form of an IRA or a Roth IRA  or a non-qualified account as well. So, there's   a whole bunch of different accounts that you can  have. Some are more common than others, but at the   end of the day it's important to get the specific  type of account so that we know how to build our   recommendation, what to build our recommendation  off of, and how to help going forward. Yeah.

And I think on top of that, it's also just  a good exercise for the person that is trying to   get some advice because I'll tell you, Radon and  I, we've seen so many times where a person doesn't   know what the balance of that one account was,  where they worked for that company 10 or 15 years   ago, and so an old 401(k), or they haven't really  looked at how an account is allocated as far as   from an investment perspective. So I think it's a  good exercise not just to get all the data to us   and the information to us, but also just to take  a step back and look at what you have done so far   to get to where you are and the different pieces  of the puzzle that have come together over time.   Usually, that's a pretty remarkable thing that  you can look back and say, "Wow, I did all this." Yeah.

And I think, Morgan, you set this up and  said, "Okay, I'm thinking about meeting with you."   So, just to kind of clarify, we really work off of  what we call a three-appointment process. And so,   what we're describing right now is kind of  getting ready for that first appointment. And   so I think you asked the question, "What if  I don't want to share some things" or that's   not… so for the initial conversation, if we've  got… I always say, "Give me the basics of your   picture." Meaning I don't need to know it to  the penny, but we need to have an idea of about   what those accounts are or the different  types of accounts Nick just talked about,   and we need to know their tax classification  just so we can have a basic conversation.   And we're going to go through this  worksheet.

Now, if you don't have   this available ready when you come in, we can  do this together. So don't worry about that. But now, I just wanted to set the basis in that  initial conversation that we have. It's really   kind of this idea of are we a good fit for each  other? So, yes, this is important information.   We're going to either ask you to have it for  us ahead of time or we're going to do it while   you're here with us. So we've kind of covered the  accounts.

And again, I'm working off this first   appointment because we're going to come back  to those accounts for the second appointment.   But for right now, we're just trying to get our  baselines. So I think the next area that we start   to go into is our income part of the snapshot. So,  Taylor, would you mind breaking down the different   types of incomes somebody might be telling  us about on this? Just so we've got an idea. So if you are still working and you haven't  retired yet, then we're going to want to know what   your current salary is at your job.

And if you  have retired and if you're taking Social Security,   then we're going to ask about what your current  Social Security benefits are. Or if you have not   started Social Security yet, then there is a way  to find out what that future benefit is going to   be, so we can help you answer questions about  when the optimal time to begin Social Security   might be depending on your unique situation. So  your current income from your salary, if you're   working. Social Security, if you also have a  pension, or are planning to start a pension in   the future, then we'll want to find out what that  amount looks like. So that that can be considered   as part of your income available to you to cover  your expenses in retirement. And then any other   type of income that you have from maybe the sale  of a business, if that's part of your plan, or   from rental properties that you have.

Then we'll  also consider any rental income that you have. So we know what we have saved so far and we know  what we have coming in. I'm assuming there's also   going to be some information about what we  have going out, what we're spending, right? Yeah, exactly. We'll also want to get an idea of  what your current living expenses are, if you have   any debt obligations, if you're still paying a  mortgage or an auto loan or things like that.   If you have kids going to college or grandkids  that you want to pay for their college expenses,   then we want to know about those types of things.  And then also we can have a conversation with you   about your goals in retirement. If you want to  travel or do other things with your retirement   savings, donate to charity, whatever that  looks like for you, or have home renovations,   redo your kitchen or your bathroom, whatever.  Then we also plan those so that we also get an   idea of what your future expenses might be if  they're not regular and consistent right now.

Yeah. And I would say that category of  understanding your spending is usually   one of the more difficult ones. And  I'll paint you a little picture.   A lot of people that come to us, they're  close to retirement or maybe already retired,   but a lot of times they say you're close  to retirement, you're making good money,   and now you're starting to say, "I need to figure  out this whole retirement thing." But you're   making good money, you're paying the bills, and  you don't really pay all that much attention to,   well, what are the dollars that are going  out of the door and what categories are they? And it makes you kind of take a step back and you  got to understand where you're spending because   we see it all the time when someone flips from  their accumulation phase of life into retirement   and you don't have that employer that's paying  your paycheck anymore, and it's really all about   what you've done to save and build up for  retirement, you start to really think about,   "Well, do I need this line item in the budget or  can we cut it?" Because the worry, no matter what,   no matter if you've got 500,000 saved up for  retirement or 10 million saved for retirement,   a lot of times the worry is the same that, "Am  I going to have enough? Am I going to run out of   money?" So I think the earlier someone starts  evaluating not just how much they have today,   but also what's going to be going out the  door when they do fully retire makes the plan   so much more well thought out and more precise.

Yeah. So we're almost through it all, your  question here, Morgan. You asked a really   big question. So as we go through the snapshot,  we've kind of gone now through all the financial   stuff. Now, we have some other categories that  we're going to want to talk through. And one   of those is the estate plan. We'll ask people  about how much have they done? Have they done   a will? Have they done a trust? How old is it?  Was it done in a different state? Do you do your   own taxes? What are your goals? Do you have any  specific goals? Taylor mentioned a couple about   redoing a kitchen. Sometimes people say, "I've  got this dream vacation we've been waiting for,   and this is going to be a big expense for us, but  we've been dreaming about it.

And whenever we hit   that retirement, we're going to do it. And it's  going to be a little bit more on the expensive   side because we're going to go a lot of places and  be gone for a while. So we need to build that in." So once we have all of that conversation or  enough of that information to say, "Hey, here's   kind of the conversation," now, we can really  start to say, "All right.

What do we want to   do with that and how do we want to start putting  it together?" And typically, in that first visit,   what we're doing is saying, "Here's how we  work." And I mean very briefly, this is what   we tell people, every person, is that we really  kind of work in the very beginning by building a   retirement-focused financial plan. That's why  we need all this data. Then we're going to say,   "Look, once we know that, we'll talk about  investments, we'll talk about insurance,   we'll talk about income planning, we'll talk  about investment planning. We're going to   really kind of go all the way through." So now,  we got this sheet, so we've kind of got this   information.

That's really kind of the first  appointment. So, what's your next question? Well, so then I know that it will look like  after that as far as we've done our homework,   we've got our appointment set, you'll receive a  call from our office to confirm for the next day,   and then you'll come into the office,  and then we'll have that visit, right? That's right. So once we get through with that  visit though, at this point, we've got a good   picture. And I think at that point is when people  say, "Yeah.

You know what? I do like you guys,   or I don't," but most of the time we hope you  say you do. And we say, "We like you, too." And   so we're kind of now moving on to the next date.  And that next date is really our second visit. Okay. And what does that look like and  what do I need to do to prepare between,   or what would a person need to  do to prepare for that? Is it- Yeah. So I'm going to say this. The person really  doesn't have to do much at all at this point,   but there is some key data that, in addition  to what we've got already, that we're going   to need next. So, we got a lot… We're going to  spend with Taylor on as far as building out the   plan. But Nick, I just want to have you address  real quick, what is some of the information that   we need to get so that Taylor is going to have  everything she needs to really build out that   financial plan? Because right now, we've just  kind of got the snapshot, so there's some actual   documents that we're going to need.

Could you  walk us through what those documents would be? Yeah. Absolutely. So, what really helps us out  in creating that financial plan are specific   account statements. So, wherever the assets  are currently held, whatever custodian that is,   that could be Charles Schwab, that could be TD  Ameritrade, wherever else that is, it's really   helpful to get the most recent statement of the  account. And then it's also helpful for us to get   most recent tax return as well. So in our  preparation for creating the financial plan,   doing analysis on your specific tax return and  tax situation, and then any other statements,   401(k) statements, that you may have that  are recent are also extremely helpful for us   creating that plan and beginning to formulate  that recommendation throughout our meeting. So, then it gets all turned over to Taylor? Yeah. So now at this point's, whenever  Taylor goes to work, in addition to what's   already been done. So Taylor, could you just  walk us through what you do with all that? Yeah.

And before we do that, also, let me  interject and say, let me be the person   that Morgan was earlier of, "Well, why do I need  to give you these statements? Why do I need to   give you my tax return?" That's very personal  information. What are you going to get out of   this that I don't already see or that is going  to become relevant in our next visit together? Yeah. So this is the fun part for me because I get  to go through all of the account statements, and   we build out two things from those. One, we want  to verify the balances of your account so we make   sure that we have the right information to base  off of what your assets are so that we can make   appropriate recommendations to move  forward. But we also will go through   and look at what the holdings are in each of  your account, what exactly you're invested in,   what funds or if they're ETFs or mutual funds  or a single company stocks.

We want to know   what you're invested in because part of what  we're preparing on our end is an analysis of   those holdings so that we know what your  current risk exposure is like because that   will be part of our recommendations moving  forward, is how to make an investment that's   appropriate for the amount of risk that you  want to have as part of your retirement plan. So we'll do an analysis on all of the holdings  within your investment accounts from the   statements that you upload to us as part of our  data gathering process, and then also just verify   those amounts as part of your retirement-focused  financial plan. And for the tax returns as well,   we'll take those and do an analysis on your  tax returns to look for opportunities for   tax planning and observations and looking  forward not just for the past years of   your tax returns that have already been  filed, but for different moves that we   could possibly make to help you with your  tax situation moving forward as part of our   recommendation.

So that's what we're looking  for from your account statements and also your   tax return so that we can have a conversation  on those topics as part of your next meeting. I can't remember if it was mentioned or not,  but how do I get these documents to you? Yes. So we'll send an email out. Right now,   it's been coming from me. And we have a  little portal where you can securely upload   all of your statements and just we will  be able to access those so it is secure. All right. Nice. All right. So, just to paint a  little bit of a picture here, Nick,   could you kind of walk us through what's the  client going to get when they come in? So now,   they come in. And Taylor's been doing  all this work to get everything ready   and putting it into our financial planning  software.

What's that going to look like   to a person when they come in? How's that  going to feel? What are you going to see? Yeah. So during that second appointment, we  will go through your entire financial plan.   So, like Radon said, once we've taken  all of the data and put that into our   financial planning software, we'll go  and walk through each and every step   of that plan with you; make any tweaks that we  need to make; updates that you see, expenses,   income; and make any changes that you'd like to  see and even different scenarios that you'd like   to see. So we'll walk you through each step  of that process in the meeting. And then at   the end of the meeting, whatever you'd like to  take home, you're free to take home.

So whether   that's different scenarios, whether that's  a printout of the entire financial plan,   we can print it out or we can send it straight to  you securely. And so we do that a lot of the time.   So it's really walking through each and every step  of the financial plan, making any adjustments that   you'd like to see, and then giving that to you  so we can progress and move forward as well. Yeah. And I think I want to add a little bit more  power to what that experience is because I mean,   you just picture it, right? You've never  sat down with a financial planner before,   you've never worked with an advisor, and all  the questions in your head of "Can I retire   at 67?" Or whatever that age you have in your  mind, "Do I have enough money? What if there   is a long-term care scenario? Are we able to  afford it? Do we need to look at insurance?"   All of those questions that you've been worried  about and really didn't have all the answers to,   they start to get answered in that visit.  And we're walking you through it.

"Hey,   here's the dollars coming in,  here's the dollars going out,   here's what we've built up to work with."  And then we take it to this final spreadsheet   that ultimately we start to see a huge sigh of  relief from a lot of people that we work with. And it brings it all in on one  nice, little sheet that says,   "Here's where we are today. Here's the assets  that we have, and here's how we progress down   in our years." And we like to take it out  to age 90, 95, 100, whatever you want to   look at. And by the end of that, I would  say, part one of the second appointment,   you've already got someone who feels that there's  been a lot of value that's been delivered because   now I've got some answers to the questions that  I've had for a long time of, "Hey, can I retire?   What's Social Security going to look like for  me? How much are we going to be able to spend   in retirement?" Things like that.

So it's pretty  cool feeling being… as an advisor on the other   side of the table, being able to deliver that.  And we're not even working with the person yet. So it sounds like a lot of  information you're taking   in from that appointment. How do you  move forward from that? Do I need to   make a decision at that point? Or what  do I need to do after that appointment? So that I go back to, I say, that's part one of  the visit. And we spent about 20 to 30 minutes   on part one of the visit. Part two now goes  into what Taylor was talking about that we   have put together as far as a risk analysis.  And I'll let Taylor chime in on this,   but basically, she's done some work as far  as understanding what is in those statements,   what investments are we in, and then we also have  a risk conversation that says, "Well, forget about   how we're invested today. What does our gut  tell us about how we feel about risk?" And,   Taylor, if you want to talk to the  differences that we see sometimes   on how someone's invested versus how  they feel like they should be invested.

Yeah. So part of what we'll do when we're meeting  with you and talking about your current risk   exposure and the difference between what you're  currently invested in and what maybe you would   like to be invested in is we'll go through a  questionnaire with you to get an idea of how   much risk you want to tolerate in retirement,  and then we can kind of compare what you want   to where you are currently invested to give us  an idea of some of the changes that we might   need to make for you as part of your retirement  financial plan so that we can better align where   you currently are with where you want to be as far  as your risk exposure in your investment accounts.

Yeah. I think what we do here that's a little  bit different is I always tell people, "If you've   ever done this before, a lot of times there's  a questionnaire you get" and it's kind of like,   "Do you go to Vegas on the weekends and bet  everything on one type of gamble that you   would take over the weekend?" It's obscure. What  we do is actually look at the numbers. So we say,   "Hey, if you got $1 million and it were  down 10%," somebody might immediately say,   "It's not that bad" until we show them it's down  $100,000.

And then they go, "Whoa, I don't want   to be down $100,000." "Oh, if you're down 20%,  that's $200,000." Definitely can't handle that. So we basically walk them through those real  numbers. And then somebody comes up with their   number and they go, "Look at this point, whatever  that might be," so let's say it was 10%, "At 10%,   yeah, I'm starting to get nervous, so I  don't want to lose more than 10%." Well,   then we take them and we show them what their real  risk is on their current investments and they go,   "Oh, my goodness, I didn't realize I was that  risky in my investments." And then we talk about   how did it go last year? I mean, "That's an easy  one this year because last year the markets were   down 20%." So people go, "Yeah, I was down 20%,  too.

And I just didn't think about it from the   dollar's perspective." And so that is eye opening  to a lot of folks when we get to that point. So now, what we've done is we've kind  of worked all the way through this   information. And at this point is where we  say, "All right. We're going to send you the   financial plan. We're going to send you the  data of what we've put together thus far."   And now what we're doing is, is we say, "Look, we  want you to take a break at this point, go home,   look at what we've going to send you. And then  we come back together for a strategy meeting."   And the strategy meeting is saying, "How do  we start to look at this? How do we that?"   And I'm just going to say that we do it in a  couple of different ways. One of the things   that we do as a bucket sheet. And in that bucket  sheet is breaks this into three buckets.

So Nick,   could you kind of take us through what that  bucket sheet looks like as a part of the strategy? Yeah. So, to start with the bucket sheet, we  start with basically three different buckets.   And usually we're typically drawing this on  the board, so that whoever we're meeting with   can see it in person. And visually, it's a  lot easier to see. So you start with either   a cash…. you start with a cash bucket,  a safety bucket and then a growth bucket.   And to kind of break those down step by step, the  cash bucket is really anything that you feel…   or the amount of cash that you feel comfortable  holding.

So for everyone, that may be different.   Some people like to hold a lot in cash just for  emergencies. Some people are typically holding   smaller amounts. So that's person to  person. That's a completely personal choice.   And as long as that doesn't really negatively  affect the plan in any way, typically,   it won't. And that's just a number that we  have as part of the bucket sheet overall. That second bucket is the safety or income bucket,  and that's set basically for safety or income in   the future. And that's basically a few different  products that we recommend as part of the strategy   meeting to hold in that bucket and provide safe  and reliable income throughout your retirement.   And then the third bucket is the growth bucket.  And that's really set to grow throughout your   retirement.

The goal there is basically to have  that money so that you don't have to… you can,   but you don't need to tap into it throughout your  retirement. And typically, that will be liquid if   you need it. But really, the goal of that growth  bucket is to grow throughout the 20-some-odd   years. And then, your safety bucket will take care  of your income during retirement. So those are the   three different buckets. And we kind of basically  form our recommendation around those three. Yeah. Over the years, I've been  doing this for 22 years. Murs   has been with me now for 11 or 12  years.

How long was it? How many? 11 years. 11 years. So we started using this  bucket strategy just to make things   simple. So I just want to ask you,  Murs, what are you seeing from folks   as we started using this as to how they  get it and how valuable it is to them? Yeah, I think in one word, it's clarity.  Clarity on how things are positioned,   and confidence, as well as how this plan can  actually function. A lot of times, again,   doesn't matter how much money you got, it's one of  those things where until you see it on a screen,   until you see it mapped out for you, it's hard  to imagine that whatever money you've built up   is going to last as long as you need it  to. So once we show this cash bucket,   this safety and income bucket, and then this  growth bucket, and help someone understand,   again, personalized to them, you may have someone  that…

And we see all types of situations. You   may have someone that's got all the income that  they need, discretionary income that they need   is covered through their Social Security or their  pension. So they've got a really good situation. So their bucket sheet is going to look a little  bit different than someone else who has no pension   and just has to rely on Social Security. They're  going to need to draw on their assets a little bit   more. And so being able to kind of put those  three categories together and being able to   show someone in a very simplistic manner, this is  not… we don't want this to be complicated. Yeah,   the investing side of things can be complicated.  The income side of things can be complicated. But   if the strategy and if the client can understand  the why, why do we put money in this bucket versus   this bucket, and they can talk about it in  conversation to their friends and family,   all of a sudden it sits very well. And I  think there's a lot of power to that, right? There's some that would use a 20, 30, 40, 50-page  financial plan.

And we all know what happens with   that plan. You looked at it once or it's presented  to you once, and then you never looked at it again   because it was just too overwhelming. This bucket  sheet that we end up using as a recommendation,   and then as a final deliverable, it's a one-page  snapshot of what your life is going to look like.   And we're updating that year after year after year  because in our opinion, at the end of the day,   a financial plan, it's moving.

It is not set  in stone. It is flexible because we know life   happens, we know situations happen. And so we need  something that can be nimble with that as well. All right, Morgan, we gave you  a lot. Any other questions? Yeah. Well, I feel like these tools,   this visualization and all these  conversations are going to help   you come to a pretty good decision. What do you  do after you've taken all this information in? Yeah. We try to keep these episodes at  around the 30-minute mark just because   we don't want it to be overwhelming, but  here's where we are. I mean, at this point,   a person has a pretty good idea of how things  are, at least, going to get started, but it is   just the beginning. It is just the start of where  we are in this journey to and through retirement. And so what we're going to do, we're going  to come back together because I've got more   questions.

I think Morgan's got more questions  for all of us around this idea, "Okay, well,   I'm here. You've given me all this. So now, what  do I do next? And where do I go? And if I become   a client, what does it look like then? And how  do I take all of this hard work that's been put   into building out this plan and building out  this whole process? How do I implement it?   And what does the implementation look like  and how long does it take to implement? And   how long am I going to be having this thing  monitored? And what does that look like?" So we're going to walk you through that in  our next episode when we all get together.   Just so you know, if you're looking for  that, it'll be the end of the next month,   so in a few episodes.

But we're going to walk you  back through all of those different aspects. So I   just want to say thank you very much, Nick and  Taylor, for coming on, the special guests, with   us here on this episode. And your insight has been  very helpful on making sure we clearly understand   what it means to build a financial plan. So, thank  you. Thank you, too, Murs, and Morgan, for all   the great questions. All right, everybody, have a  great week. We will talk to you again next Monday. We hope this video has given  you some confidence and clarity   as you plan for a worry-free life and  retirement. But what else do you need?   We have created a complementary video course  called Three Keys to Secure Your Retirement.   This video walks you through step by step what  you need to do to get ready for retirement.

You   can also check out our podcast called Secure  Your Retirement. You can subscribe below. For more retirement tips, check out these  videos. Also, if you find them valuable,   please subscribe to our YouTube  channel and give us a Like.
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