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Retire As You Desire

Retire As You Desire

Written by: Bill Bloom
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 Navigating the ever-changing waters of life can be rough, but when it comes to retirement you don’t need to do it alone. The Retire As You Desire Podcast asks those hard questions regarding finances in preparation for your retirement with Bill Bloom RICP®, principal of Bloom Financial Company and your host. Join Bill, a money simplifier, each week by discussing intentional questions to propel you toward your desirable retirement. Understanding retirement does not have to be difficult. If you understand, then you will make better decisions on how to have a happy and successful retirement for you and your family. There is one life to live--so take the helm, plan ahead, ask questions, and tune in with Bill on the Retire As You Desire Podcast! For a list of important disclosures, please visit my website at bloomfinancialco.com. Views expressed in this podcast are for general informational purposes only and are not intended to provide or be a substitute for specific professional financial, tax or legal advice or recommendations for any individuals. Information is based on sources believed to be reliable; however, their accuracy or completeness cannot be guaranteed.Bill Bloom Economics Personal Finance
Episodes
  • Episode 12: Preventing Scams and Phishing Attempts: Essential Cybersecurity Advice with Kent Webster

    Episode 12: Preventing Scams and Phishing Attempts: Essential Cybersecurity Advice with Kent Webster
    Nov 1 2024

    In this episode of the "Retire As You Desire" show, cybersecurity expert Kent Webster joins me, Bill Bloom, to discuss essential strategies for protecting yourself from online threats and scams. Kent shares insights into the sophisticated world of cybercrime, highlighting the prevalence of organized cybercriminal operations targeting individuals worldwide.


    Key Topics Covered:

    👉 Understanding Online Threats and Scams:

    • Discover the tactics used by scammers, such as phishing and confidence scams.

    • Learn about the prevalence of organized cybercriminal operations.

    👉 Importance of Vigilance and Skepticism:

    • Understand the necessity of being cautious with unknown contacts or suspicious messages.

    • Gain tips on how to identify and avoid potential scams.

    👉 Two-Factor Authentication:

    • Dive into the concept of two-factor authentication as a crucial security measure.

    • Learn how to implement and use this to prevent unauthorized access to accounts.

    👉 Navigating Public Wi-Fi Risks:

    • Understand the dangers associated with using public Wi-Fi networks.

    • Get practical tips on staying safe and maintaining security in public spaces.

    👉 Advanced Password Management:

    • Explore a tiered approach to password security based on account sensitivity.

    • Learn Kent's methods for creating strong, memorable passwords using sentences and character substitutions.

    Why You Should Watch:

    • Comprehensive Coverage: Gain a thorough understanding of how to protect your personal information and financial assets in the digital age.

    • Expert Advice: Benefit from Kent Webster's professional insights into cybersecurity.

    • Actionable Strategies: Implement practical tips to enhance your online security and safeguard against threats.

    Tune in to this episode for a deep dive into essential cybersecurity practices. Don’t miss out on valuable insights—Join us every [Day] at [Time] for new episodes!


    📞 Need Personalized Advice? Contact us at 773-326-7000 or email Bill@Bloomfinancial.us for customized retirement planning.


    #Cybersecurity #OnlineSafety #ProtectYourAccounts #RetireAsYouDesire #KentWebster #DigitalSecurity #PhishingScams #PasswordProtection #PublicWiFiRisks


    TIMESTAMPS:

    • 00:00:00 - Introduction to Cybersecurity: Bill Bloom introduces Kent Webster, a cybersecurity professional, and sets the stage for the discussion on cybersecurity threats.

    • 00:05:30 - Cyber Criminal Sophistication: Kent Webster discusses the misconception of cyber criminals and highlights the organized nature of cyber attacks.

    • 00:11:29 - Financial Scams and Confidence Scams: Discussion on financial scams and confidence scams targeting individuals.

    • 00:17:25 - Email Security and Phishing: Kent Webster explains the importance of email security, phishing attacks, and ways to protect against them.

    • 00:23:36 - Two-Factor Authentication: The significance of two-factor authentication in enhancing account security is discussed.

    • 00:32:07 - Password Tiering Strategy: Kent Webster explains the tiered approach to password security for different types of accounts.

    • 00:36:03 - Saving Passwords and Cookies: The implications of saving passwords and cookies on browsers for ease of access and security are discussed.

    • 00:41:23 - Password Complexity and Sentence Strategy: Kent Webster suggests using a sentence-based strategy for creating complex passwords for enhanced security.
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    48 mins
  • Episode 11: Ultimate Financial Success Blueprint: Master Retirement Planning, Investment Strategies, Tax Benefits, and Debt Management

    Episode 11: Ultimate Financial Success Blueprint: Master Retirement Planning, Investment Strategies, Tax Benefits, and Debt Management
    Oct 25 2024
    In this episode, we bring together crucial insights from four essential areas of personal finance to help you achieve your financial goals and secure a prosperous future. Whether you're planning for retirement, seeking smart investment strategies, looking to maximize your tax benefits, or aiming to manage your debt effectively, this episode is packed with valuable advice and actionable tips. Key Topics Covered: Mastering Retirement Planning 🏖️Smart Investing for Long-Term Growth 📈Maximizing Tax Benefits 💡Effective Debt Management Techniques 💳 📞 Need Personalized Advice? Contact us at 773-326-7000 or email Bill@Bloomfinancial.us for customized retirement planning. #FinancialSuccess #RetirementPlanning #InvestingTips #TaxBenefits #DebtManagement #PersonalFinance #WealthBuilding TIMESTAMPS: 0:00 - Introduction Overview of the episode and what you'll learn about mastering retirement, investing, taxes, and debt management. 1:15 - Mastering Retirement Planning 🏖️ 1:30 - Essential strategies for a secure retirement. 5:00 - Optimizing your retirement savings. 8:20 - Making informed decisions for a comfortable retirement. 12:45 - Smart Investing for Long-Term Growth 📈 13:00 - Key principles of effective investing. 16:30 - Understanding asset allocation and diversification. 20:15 - Setting and achieving your financial goals. 24:50 - Maximizing Tax Benefits 💡 25:05 - Strategies to reduce your tax burden. 28:40 - Leveraging tax deductions and credits. 32:10 - Tax-efficient investment options. 36:00 - Effective Debt Management Techniques 💳 36:15 - Practical steps to manage and reduce debt. 40:00 - Strategies for debt consolidation and improving credit scores. 43:30 - Avoiding common debt pitfalls and achieving financial freedom. 47:15 - Conclusion & Recap Summary of key takeaways from each segment. Final thoughts on achieving financial success through retirement planning, investing, taxes, and debt management. 48:30 - Subscribe & Contact Information Call to action to subscribe, like, and share. Information on how to get personalized financial advice. QUOTES: Segment 1: Mastering Retirement Planning 🏖️ 1:30 - Essential Strategies for a Secure Retirement “Planning for retirement is more than just saving; it’s about strategic planning and smart choices to ensure a comfortable and secure future.” 5:00 - Optimizing Your Retirement Savings “Maximizing your retirement savings means making the most of every dollar. Discover the strategies to boost your retirement funds effectively.” 8:20 - Making Informed Decisions for a Comfortable Retirement “Informed decisions today lead to a prosperous retirement tomorrow. Learn how to plan wisely for the golden years ahead.” Segment 2: Smart Investing for Long-Term Growth 📈 13:00 - Key Principles of Effective Investing “Investing isn’t just about picking stocks; it’s about understanding principles that drive long-term growth and financial stability.” 16:30 - Understanding Asset Allocation and Diversification “Diversification is your shield against market volatility. Discover how to allocate your assets wisely to build a resilient investment portfolio.” 20:15 - Setting and Achieving Your Financial Goals “Setting clear financial goals and sticking to them is crucial for investment success. Learn how to define and reach your investment objectives.” Segment 3: Maximizing Tax Benefits 💡 25:05 - Strategies to Reduce Your Tax Burden “Effective tax planning can save you a significant amount of money. Explore strategies to minimize your tax burden and keep more of your earnings.” 28:40 - Leveraging Tax Deductions and Credits “Tax deductions and credits are powerful tools for reducing your taxable income. Learn how to leverage them to your advantage.” 32:10 - Tax-Efficient Investment Options “Investing tax-efficiently is key to maximizing your returns. Discover the investment options that offer the best tax benefits.”
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    48 mins
  • Episode # 10 - Navigating Social Security After Life Changes: Ensuring Financial Stability Post-Divorce and Loss

    Episode # 10 - Navigating Social Security After Life Changes: Ensuring Financial Stability Post-Divorce and Loss
    Oct 18 2024

    In this episode, we dive deep into the complexities of retirement planning, focusing on how divorce, widowhood, and disability can impact your future retirement income. Whether you’re navigating these life changes or planning ahead, this episode offers crucial insights and actionable strategies to help you optimize your retirement benefits.


    Key Topics Covered:

    👉 Divorce and Retirement Income:

    • Understand the Impact: Learn how divorce affects retirement income and Social Security benefits.

    • Maximize Benefits: Discover how retirees can leverage Social Security benefits even after multiple divorces.

    • Case Study: Explore the story of Robert and his three marriages to see how ex-spouses might receive higher benefits based on marriage duration.


    👉 Widowhood and Retirement Income:

    • Strategic Planning: Find out how widowed individuals can secure higher Social Security benefits.

    • Real-Life Example: Learn from Robert's third wife, Alice, who qualified for full benefits after his passing.

    • Optimize Survivor Income: Understand the importance of planning and effective communication with the Social Security Administration.

    👉 Disability in Retirement:

    • Early Benefits: Explore the opportunities available for starting benefits earlier than the standard retirement age of 62.

    • Navigating Disability: Get insights into the nuances of disability benefits and how to plan effectively.

    👉 Exclusions from Social Security Benefits:

    • Eligibility Criteria: Discover who may be excluded from receiving Social Security benefits.

    • Seek Guidance: Learn the importance of understanding eligibility and seeking professional advice to maximize retirement income.

    Why You Should Watch:

    • Comprehensive Insights: Gain a thorough understanding of how these critical life events affect retirement planning.

    • Expert Strategies: Access actionable advice to optimize your Social Security benefits and secure financial stability.

    • Proactive Planning: Emphasize the value of seeking professional guidance and utilizing available resources for effective retirement planning.

    Tune in to this episode for essential strategies and expert advice on navigating divorce, widowhood, and disability in retirement planning. Don’t miss out on valuable tips—subscribe to our channel for more insights and updates. Join us every [Day] at [Time] for new episodes!


    📞 Need Personalized Advice? Contact us at 773-326-7000 or email Bill@Bloomfinancial.us for customized retirement planning.


    #RetirementPlanning #SocialSecurityBenefits #DivorceImpact #WidowhoodStrategy #DisabilityBenefits #FinancialPlanning #RetireAsYouDesire


    TIMESTAMPS:

    • 00:00:00 - Introduction to Retirement Planning: Welcome back to the Retire As You Desire show. Providing valuable information on retirement planning and income strategies.

    • 00:03:04 - Robert's Three Marriages: A look into Robert's three marriages and the impact on Social Security benefits.

    • 00:07:10 - Benefits for Ex-Spouses: Exploring how ex-spouses can qualify for Social Security benefits based on a former spouse's work history.

    • 00:08:03 - Impact of Robert's Passing: Discussing the implications of Robert's passing on his ex-spouses' Social Security benefits.

    • 00:10:09 - Maximizing Social Security Income: Tips on maximizing Social Security income as a divorced individual and understanding the rules.
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    49 mins
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