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Retiring Ready with Richelle

Retiring Ready with Richelle

Written by: Richelle Melde
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About this listen

Richelle Melde and the team bring everything you need to know about retirement and income planning in a fast paced format. Each week, the hosts and guests on the show reveal the latest developments in the financial world to keep you informed of changes that may affect you personally, while sharing some common sense strategies that will help you make the most out of your retirement savings. We are focused on helping investors preserve and grow their assets, increase their income, and reduce taxes.

Richelle Melde has a decade of experience in the financial services industry and started Ram Wealth Strategies to be an independent agency that allows her to fight on behalf of her clients. Passionate about lifestyle goals, she knows that personal achievements are just as important as financial ones, which is why the proper financial plan accounts for each person’s ideal vision for the future. She also believes in taking an all-encompassing approach, learning everything she can about each client before implementing a plan that can help them protect what’s important and work toward their dreams. She’s also passionate about education and ensuring that everyone has access to trustworthy financial advisors. That passion was born out of a love for teachers and their sacrifices, and she aims to uphold those values in her own work.

For more information or to get your own questions answered, call or text (877) 807-1977

 Economics
Episodes
  • Richelle Melde emphasizes the importance of working with a financial advisor to ensure all bases are covered and to avoid common retirement pitfalls.

    Richelle Melde emphasizes the importance of working with a financial advisor to ensure all bases are covered and to avoid common retirement pitfalls.
    Feb 9 2024

    The conversation covers various aspects of retirement planning, including income planning, risk tolerance, tax liabilities, healthcare planning, legacy planning, and estate management. Richelle Melde emphasizes the importance of working with a financial advisor to ensure all bases are covered and to avoid common retirement pitfalls. The conversation also discusses strategies such as creating buckets for different financial goals, separating needs from wants, maximizing Social Security benefits, thinking outside the box for income generation, and being tax-efficient with withdrawals. That and more on today with Richelle Melde. Call (877) 807-1977 or visit RAM Wealth Strategies to learn more.

    See omnystudio.com/listener for privacy information.
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    53 mins
  • Richelle Melde explores how retirement income is taxed and the impact it has on individuals.

    Richelle Melde explores how retirement income is taxed and the impact it has on individuals.
    Feb 2 2024

    This conversation explores how retirement income is taxed and the impact it has on individuals. It covers topics such as tax-deferred retirement accounts, Roth IRAs, taxation of Social Security benefits, pensions, and annuities. The importance of diversification and finding the right financial advisor is emphasized. The conversation also discusses the realities of living longer, market volatility, interest rates, and retirement fees and penalties. Strategies for Social Security claiming are explored, highlighting the need for comprehensive financial planning and understanding the implications of early enrollment and required minimum distributions. Overall, the conversation provides valuable insights and advice for individuals planning for retirement. Call (877) 807-1977 or visit RAM Wealth Strategies to learn more.

    See omnystudio.com/listener for privacy information.
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    54 mins
  • Retiring Ready with Richelle Richelle Melde and Steve Sedahl discuss retirement one year later and the importance of checking in on retirement plans.

    Retiring Ready with Richelle Richelle Melde and Steve Sedahl discuss retirement one year later and the importance of checking in on retirement plans.
    Jan 26 2024

    On today's show, Richelle Melde and Steve Sedahl discuss retirement one year later and the importance of checking in on retirement plans. They emphasize the need for emotional preparation and the impact it can have on retirement. They also discuss the importance of correcting financial mistakes and miscalculations, as well as maximizing Social Security benefits. Richelle provides insights on rolling over a 401k into an IRA and the importance of budgeting and setting financial goals for retirement. They also highlight the significance of working as a team with a spouse or partner when planning for retirement. That and more on today with Richelle Melde. Call (877) 807-1977 or visit RAM Wealth Strategies to learn more.

    See omnystudio.com/listener for privacy information.
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    52 mins
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