Retirement Podcast RetireSimply Podcast with Scott and Angela Winstead
Weekly retirement podcast hosted by Scott and Angela Winstead.
Learn about the different retirement topics every retiree faces when approaching retirement.
Episode 103: Interest Rate Risk and Your Plan – Part 2
What are the Long-Term Effects of Rising Interest Rates on Retirement Plans?Tips and Strategies for Retirees to Mitigate Risk from High Interest Rates– Treasuries– CD’s– Multi-Year Guaranteed Annuities– Fixed…
Episode 102: Interest Rate Risk and Your Plan – Part 1
Scott and Angela start a two-part Retire Simply podcast series discussing different strategies that can help you navigate the current bond market and help preserve your investments from the…
Episode 101: SECURE Act 2.0
President Biden signed the SECURE 2.0 Act into law on December 29, 2022. This legislation makes some notable changes. It is projected to reshape retirement for years to come…
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- Estate Planning
- Fun with Food!
- Holidays
- Income Planning
- Life Insurance
- Retirement Savings
- Risk and Your Retirement
- Social Security / Medicare
- Taxes
- Travel in Retirement
Episode 1: Taxes: Forever, Sometimes, Never
Welcome to our first episode of Retire Simply Podcast! Scott and Angela Winstead are a husband and wife duo who share their industry knowledge ...
Episode 2: How to Build a Tax Game Plan
We all could use a strategy for dealing with our taxes. We continue our series on TAXES with Scott and Angela discussing the keys ...
Episode 3: The Laws They Are a Changin’
Proper tax planning requires awareness of what is new in 2020. There are a lot of changes for retirement plans when it comes to ...
Episode 4: Sit on the Porch Number
Every individual is different when it comes to how much they will spend in retirement. There is a certain amount we need in retirement ...
Episode 5: The Perfect Day
Many of you out there have been dreaming of retirement, hoping that one day it would come. One day is fast approaching or for ...
Episode 6: Generating Income
Retirement is all about income because income gives us a choice. The more income you have in retirement, the more likely you are to ...
Episode 7: Design It, Map It, Build It
When you see a retirement planner, many times you want to know what it will be like to visit with them. In this episode ...
Episode 8: Risky Business
2020 has been filled with unknowns and uncertainty. During this time, we want you to be ready if a market downturn happens again. It ...
Episode 9: Know The Score
Many times we are taught that the rate of return is what matters. When saving for retirement, it doesn’t matter as much as you ...
Episode 10: Risk and Your Overall Plan
In retirement we go from being a saver to being a spender. When this starts to happen, the market going up and down could ...
Episode 11: Risk and Your Overall Plan – Part 2
When you look at risk, the key can be organization. Where does the money need to go based on risk of growth and risk ...
Episode 12: Making Sense of Social Security
Many times we spend more time planning our vacations then strategizing about social security. You need to plan like you are going to live ...
Episode 13: Leaving $ on the Table
You paid into it. You should get the most out of it. There are additional benefits that you could get, but you have to ...
Episode 14: It May Not Seem Fair, but It’s Reality
Taxes have a specific way of working when it comes to Social Security. We will talk about what you need to know to keep ...
Episode 15: Medicare 101
Medicare can be somewhat confusing. Many people have questions about what Medicare covers. You can take this information and make decisions to customize it ...
Episode 16: Win, Lose, or Draw: Election 2020
Election is at the forefront of many people’s minds. What are things you can do to prepare regardless of who wins?
Episode 17: Why Would I Need Life Insurance
Just another tool in your tool belt to be used the way you need it. Life insurance can be used in ways you might ...
Episode 18: What Type to Get?
Now that you know life insurance can be beneficial in retirement…Did you know there are different types? This episode helps you navigate what type ...
Episode 19: Life Insurance CAN BE in Your Plan?
When thinking about life insurance in different ways, you can get creative. Many people aren’t familiar with the ways you can implement this tool ...
Episode 20: Are You Ready for the Election?
We are only a week away from the Presidential Election. You need to be prepared regardless of who wins. This is a special episode ...
Episode 21: Plan for the Holidays
Some people put more planning into the holiday season then they do their retirement. The end of the year is coming and we want ...
Episode 22: Holiday Recipe
Compass Retirement is a place where we like to share our lives with you. We know life isn’t just about retirement. Now more than ...
Episode 23: Gratitude
We are a week from Thanksgiving and we are reflecting on all the things to be grateful for during this time. We hope going ...
Episode 24: The Gift of a Legacy
It’s December so why not talk about legacy planning! As you spend the end of the year with family over the holidays, it is ...
Episode 25: Charitable Gifting
When it comes to charity, many retirees are not sure how this strategy fits into their planning. There are ways to give back in ...
Episode 26: Thank You 2020
2020 was a year filled with unexpected elements. Some people are ready to move on from 2020, but at Compass we take time to ...
Episode 27: Re “SOLUTIONS”
It is the start of a new year! There are times when we say, “we will worry about retirement when we get closer to ...
Episode 28: Do I Have Enough?
There is one question that we get from the people we work with over and over. For your copy of the Compass Retirement ...
Episode 29: More Income
We are continuing to talk about income and what you need to know to help ensure you have what you need each month.
Episode 30: Choice Matters
Income gives us choices in retirement, so we have been spending this month talking about what you need to know when it comes to ...
Episode 31: 3 Tax Buckets
It is that time of year! It is time for taxes and we want you to consider some things. We are looking at 3 ...
Episode 32: Meat on the Bone
You can get a handle on your taxes! The government controls rates, but there are other things you can control. There are ways to ...
Episode 33: Roth 101
Last episode we discussed meat on the bone and this week we are going to talk about what you can do with that extra ...
Episode 34: Unpredictability
The market can be volatile. It changes and we can’t control the ups and downs. We can control how much we want to participate ...
Episode 35: Types of Risk
Your retirement plan needs to be flexible when it comes to risk. There are many ways to consider risk. There are a few types ...
Episode 36: What is Your Score?
Many times we are taught that the rate of return is what matters. When saving for retirement, it doesn’t matter as much as you ...
Episode 37: Preservation, NOT Accumulation
When thinking about the stock market and your money, it is always good to know how much you can stomach. There will be times ...
Episode 38: Risk Roundup
There is so much out there when it comes to risk that makes it easy to get what we call “paralysis by analysis.” Should ...
Episode 39: Trillions to the Moon
The term “trillion dollars” is just normal these days! This is a lot of money, but we hear it now as we talk about ...
Episode 40: Inflation Translation
There are some terms that we just need to dive deeper into and inflation is one. One question we get on a regular basis ...
Episode 41: Junk Drawer
Most people do a good job of saving for retirement. Many people have advisors they have use along the way to help them. I ...
Episode 42: Pork Carnitas YUM YUM
Spring has sprung and we hope gatherings will happen soon. We are taking a break from retirement talk to give you a spring dish ...
Episode 43: Biden Tax Plan
The proposed Biden tax plan can be confusing. What does it mean to the average person? In this episode we talk a little about ...
Episode 44: Inflation is Here
The price of good and services has gone up since January. Inflation can be a risk to your retirement. It is good to take ...
Episode 45: Travel
When it comes to traveling this year things have been tough. Trips have gotten moved further out and some never even happened we couldn’t ...
Episode 46: Taxes and Spouses
It takes planning when it comes to taxes. When your life changes, it can take even more planning. No one who is married wants ...
Episode 47: Tax Investments
Wouldn’t it be nice to have more money in your pocket and not give it all over to the IRS? This episode discusses how ...
Episode 48: Taxes and Unemployment
There is a bonus of stimulus around unemployment this year. Listen as we talk about this benefit that many people might not be aware of ...
Episode 49: Donor Advised Funds
We have many clients who want to give some of their legacy to charity. How can giving to a philanthropy benefit you now? Three takeaways: ...
Episode 50: Annuity Myth’s 1 and 2
The world of annuities is a bit of a mystery. They can be used in different ways and we get many questions when it ...
Episode 51: Annuities Myth 3 and 4
We continue with our myth busting of annuities. There are many opinions when it comes to using this tool in your retirement. We are ...
Episode 52: Annuity Myth 5 and 6
We continue with our myth busting of annuities and we also touch on the confusion around different types of tools and how they work ...
Episode 53: Annuities Myth 7
Annuities comes to a close with our last myth. This week we cover care and how this tool can help you solve the care ...
Episode 54: What Can You Stomach?
When it comes to risk, it is really about comfort level. What can you stomach to lose? It is always good to talk about ...
Episode 55: Sequence of Returns
It is easy to look at the upside, but when it comes to risk you need to think about the things that make a ...
Episode 56: How Much is at Risk?
When looking at your total plan and money in your portfolio, you need to think about exposure. How much $ is exposed to the ...
Episode 57: Risk & Care
People overlook this risk because many times it is an unknown for us. More people need to brave and have the conversation around long ...
Episode 58: Risk & a Plan
We end this month of risk talking about a plan. When taking a chance, it is good to pair it with something that keeps ...
Episode 59: Life Insurance Basics
Most people are aware of life insurance or even have it. Not many people realize the innovation in the financial industry when it comes ...
Episode 60: Football Season is Here!
Scott and Angela share one of their favorite football season snacks: Scott's Famous Buffalo Chicken Nachos! Ingredients: 1 Family Size bag of Scoops (tortilla ...
Episode 61: Ways and Means Tax Changes
We are taking a break in talking about life insurance to discuss the latest tax changes. The Ways and Means committee of our government ...
Episode 62: Why Would I Need Life Insurance?
Just another tool in your tool belt to be used the way you need it. Life insurance can be used in ways you might ...
Episode 63: Social Security 101
Many times we spend more time planning our vacations than strategizing about social security. You need to plan like you are going to live ...
Episode 64:Our Thoughts on Social Security
Some people believe social security is just something you take at retirement. It is important to take time to plan this milestone in life. ...
Episode 65: Medicare Advantage vs. Supplement
One of the things we like doing is helping people understand Medicare. It can be a little bit of an alphabet soup, so let ...
Episode 66: LTC and Medicare
When it comes to long term care, it is never too early to start planning for it. It is not fun thinking about end ...
Episode 67: Tax RMD Overview
When you turn a certain age you are required to take money out of your accounts. These Required Minimum Distributions can become a hamster ...
Episode 68: Roth Conversion Rules
When do you pay taxes, now or later? How much do you pay? There are ways to help take control of your taxes. Three ...
Episode 69: Roth Conversion Warning
Why is it important to get money to tax free accounts? When I do a conversion, what do I need to think about? This ...
Episode 70: Happy Thanksgiving: A Few Things you Might Not Know About the Special Day!!
Happy Thanksgiving from all of us at Compass Retirement!
Episode 71: Why All the Volatility?
Trying to make sense of them market going up and the market going down. Listen to Scott and Angela as they share their insights. ...
Episode 72: Year-End Wrap-Up
Angela and Scott provide end-of-the-year financial tips to help you finish 2021 strong! Click here to receive your Year End Planning Checklist! Key takeaways:• ...
Episode 73: Christmas Conversations
The last podcast of 2021! Scott and Angela look back on their favorite Christmas memories and reminisce on the year. Key takeaways:• Never a ...
Episode 74: 2022 Kickoff and Inflation
Starting off 2022 strong with a topic on many people's minds: inflation. Will prices stay this high? What can people playing for retirement do ...
Episode 75: Is Your Plan Flexible?
When working on a retirement plan, Scott and Angela don't make a cookie-cutter template that stays the say no matter what happens. You plans ...
Episode 76: Market Risk and Lemonade
It can be an emotional roller coaster when you see the market go up and the market go down. See what Scott and Angela ...
Episode 77: Risk and Your Retirement
There is so much out there when it comes to risk that makes it easy to get what we call “paralysis by analysis.” Should ...
Episode 78: Where Do I Put My Money if I Don’t Need It?
You've done a good job saving. But how is your money growing… are you on a hamster wheel? Scott shares three different solutions, that ...
Episode 79: Smooth Out the Ride
Most of us have noticed a change in the behavior of the stock market. How do you find your way? Scott and Angela have ...
Episode 80: Taxes with a New Lens
Scott and Angela ask you to shift the way you’ve been thinking about taxes. As we move into retirement, it can be beneficial to ...
Episode 81: Tax Diversification
Taxes can be overwhelming in retirement. The good news is you don’t have to try to figure it out yourself. The unfortunate reality is ...
Episode 82: Will I be in a Lower Tax Bracket?
Most people think they’ll be in a lower tax bracket after they retire, but is that true?This is not a one-size-fits all discussion. Make ...
Episode 83: Roth 5-Year Rule
Taxes in retirement seem can be extremely complicated! Today Scott and Angela break down the 5-year rule regarding ROTH accounts…most people aren’t aware of. ...
Episode 84: Life Insurance – Open-minded
Believe it or not your approach to life insurance may need to be completely different as you near or enter retirement. The conversation may ...
Episode 85: Insurance and LTC
Listen in as Scott and Angela talk about a unique use of life insurance. Could it be used to help cover your long-term care ...
Episode 86: Recession Planning
Throughout your normal daily tasks are you hearing that scary word….Recession? This may be a good time to review your budget, portfolio, and short-term ...
Episode 87: Times Like These – The Importance of a Well Thought Out Plan.
You may have a stock portfolio and a few savings accounts, but do you have a written financial plan? If you don't have a ...
Episode 88: Can You Time the Market?
Can you really time the market? No one has a crystal ball that can predict the future, so trying to time the market may ...
Episode 89: 3 Things to Know About Estate Planning
You don’t need a lot of money to have an estate plan. There are a few necessities that we will be talking about today. ...
Episode 90: Do I Need a Living Trust
We receive lots of questions about living trusts. Listen in as we share about five reasons you don't need a living trust in the ...
Episode 91: Protect Your Legacy Roundup
In this episode, Scott and Angela go over what you need to have in order so you can leave a lasting legacy and estate ...
Episode 92: The Tax Surprise that Could Eat You Alive
What happens to your personal finances when your spouse passes away? You may be shocked by how this impacts your taxes. Scott and Angela ...
Episode 93: The Hidden Tax Inside Your Retirement
Key takeaways:• IRRMA- what you don’t know could hurt you.• Wow! I never expected a lookback.• 62 could be the way to go. * ...
Episode 94: What is a QCD?
Give and receive. If you are like many of the people, we get to help, and you like to give. Some of you give ...
Episode 96: Is the 60/40 Portfolio Dead?
The retirement space is changing. With constant stock market volatility and the bond market going down, the 60/40 portfolio should be reconsidered for retirement. ...
Episode 98: A Wild Year in the Rearview Mirror and a Look Ahead to 2023
Scott and Angela discuss the crazy year we just experienced, from market volatility to inflation and everything that can threaten your retirement. Then, the ...
Episode 99: Those Awkward Holiday Conversations
Scott and Angela share a few conversation starters to help you get through those holiday parties and social gatherings with friends and family where ...
Episode 101: SECURE Act 2.0
President Biden signed the SECURE 2.0 Act into law on December 29, 2022. This legislation makes some notable changes. It is projected to reshape ...
Episode 102: Interest Rate Risk and Your Plan – Part 1
Scott and Angela start a two-part Retire Simply podcast series discussing different strategies that can help you navigate the current bond market and help ...
Episode 103: Interest Rate Risk and Your Plan – Part 2
What are the Long-Term Effects of Rising Interest Rates on Retirement Plans?Tips and Strategies for Retirees to Mitigate Risk from High Interest Rates- Treasuries- ...