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.

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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.

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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.

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In this conversation, Richelle and Steve discuss financial resolutions for the new year, with a focus on saving more money, paying down debt, and spending less. They also explore the unique challenges women face in retirement planning, including the need for long-term care and the importance of financial independence. The conversation emphasizes the importance of setting goals, maintaining good health, and creating an estate plan. Ultimately, the goal is to find purpose and happiness in retirement by aligning financial decisions with personal values and aspirations. That and more on today with Richelle Melde. Call (877) 807-1977 or visit RAM Wealth Strategies to learn more.

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Finance experts say there are a handful of retirement distribution strategies that can be used to stretch money further for a long retirement, and these can be combined and changed over time. Richelle Melde outlines some of those strategies and offers tips to help you stay on track for retirement. That and more on today with Richelle Melde. Call (877) 807-1977 or visit RAM Wealth Strategies to learn more.

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When it comes to retirement planning, one of the most important components is generating income to last you through retirement. On today’s show, how you can do this despite challenging economic conditions. That and more on today with Richelle Melde. Call (877) 807-1977 or visit RAM Wealth Strategies to learn more.

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Remember the game “Two Truths and a Lie”? Well we have created our own version of it called Two Retirement Truths and a Lie. We’ll find out how much you know or don’t know about planning for retirement. That and more on today with Richelle Melde. Call (877) 807-1977 or visit RAM Wealth Strategies to learn more.

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There are plenty of financial strategies, tips and rules of thumb folks turn to when assembling their retirement plan. Unfortunately, with an economy plagued by market volatility, high interest rates and talks of a recession, the retirement planning rulebook has changed. The good news is Richelle Melde can help you get through the noise and help you put together a plan to take you all the way through retirement. That and more on Retiring Ready with Richelle. Call (877) 807-1977 or visit RAM Wealth Strategies to learn more.

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