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Join us each week for important financial and retirement planning guidance on the Retire With Freedom Podcast with Tad Hill, RFC, CRPC® & Toni Hill, RFC of Freedom Financial Group. Tad and Toni will talk about important topics related to your IRAs, 401(k)s, Social Security, and more. They'll help you understand things like market volatility, risk, annuities, and so much more. Freedom Financial Group helps you manage all the pieces of your retirement plan so you can retire with confidence. If ...
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Send us a Text Message. The financial planning world is full of common rules of thumb and assumptions you’ve probably heard of. For example, have you ever been told that you'll be in a lower tax bracket in retirement? Or that life insurance becomes unnecessary as you enter your golden years? We’re excited to welcome Tyler, Tad and Toni’s daughter, …
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Send us a Text Message. Neither Freedom Financial Group nor AEWM are affiliated with Bryant Driggers or One Brother. One Sister. ONE Mission. In today’s episode, Tad and Toni reconnect with an old friend, Byrant “Breyer” Driggers. Breyer has a story that many in their late fifties and early sixties can relate to, working hard to become debt-free an…
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Send us a Text Message. Neither Freedom Financial Group nor AEWM are affiliated with Carolyn Potter or The WellHouse. We love to feature local charities that we work here on the podcast. So, in today’s episode, we're honored to welcome a very special guest, Carolyn Potter- CEO of The WellHouse. She’s here to give us a look at the inspiring work of …
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Send us a Text Message. In this episode, Tad and Toni share a few important questions you need to ask yourself as you prepare for retirement. They discuss common misconceptions about downsizing your home, the realities of retirement expenses, and the importance of having a solid income plan before you step into this new season of life. For example,…
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Send us a Text Message. Are you getting a tailored retirement plan or just a sales pitch? In today’s episode, you’ll learn how to recognize whether a financial advisor is looking out for your best interests or merely trying to sell you products. Stay tuned as we share some client stories, give you some red flags to look out for, and caution that cr…
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Send us a Text Message. When it comes to retirement planning, many people believe they've got it all figured out. "I'm averaging 7-8% on my investments," they say, for example, confident that this will carry them through their golden years. But is this confidence misplaced? Stay tuned as we explore some of the flawed calculations that many retirees…
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Send us a Text Message. Creating a customized retirement plan for someone often means addressing unique challenges along the way. Whether you face a health problem, a job loss, or a roof leak, life has a way of throwing unexpected hurdles at us. In today’s episode of Retire With Freedom, Tad and Toni discuss some of the unique challenges they’ve he…
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Send us a Text Message. A retirement plan isn’t something that you create once and put on a shelf to gather dust. You want to make sure it’s working to support your retirement dreams with growth and preservation. Join Tad and Toni as they explore the importance of crafting and adjusting your personalized financial plan. From handling market ups and…
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Send us a Text Message. Crafting a written financial plan for retirement is critical, yet shockingly, only 43% of Americans have one. Just like a football coach wouldn't step onto the field without a game plan, your financial future shouldn’t be left to chance without a solid strategy in place. In today's episode, we're focusing on why having a wel…
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Send us a Text Message. Many people consider or plan to work part-time in retirement. Maybe you’re thinking about pursuing a passion or leveraging a skill set for some additional income. While the idea of working part-time in retirement is appealing, it’s important to recognize that these plans don’t always unfold as expected. Unfortunately, the na…
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Send us a Text Message. Crafting the right retirement nest egg recipe for you requires a unique blend of financial ingredients. Like cooking, where each dish benefits from a thoughtful combination of flavors, retirement planning is about finding the perfect balance that suits your tastes and goals. And with this, it’s important to avoid any mixes t…
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Send us a Text Message. Every successful financial story begins with a clear understanding of where you want to go and how you’re going to get there. Think of it like taking a road trip, where you need gas in the tank, air in the tires, and a GPS to help you stay on track. Without a proper plan, it can be easy to lose your way. While many people tr…
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Send us a Text Message. Navigating retirement planning is no easy feat, and today's middle-aged adults, typically in their 40s and 50s, find themselves in what's known as the "sandwich generation." Juggling the financial support of both elderly parents and their own children, this dual responsibility often slips under the radar when planning for re…
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Send us a Text Message. In today's volatile market environment, having a solid financial strategy is essential. But despite what some financial professionals might try and tell you, this process isn't just about balancing stocks and bonds. Join us in this episode as we talk about the importance of crafting a financial roadmap tailored to your life.…
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Send us a Text Message. The stock market can be unpredictable, taking your hard-earned money on quite the thrill ride. In this episode, we explore the challenges many face when navigating the highs and lows of the market and discuss strategies to ensure a smoother ride for your nest egg. Throughout this conversation, we discuss why a good retiremen…
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Send us a Text Message. Join us as we answer some listener questions in today’s episode. These episodes are a great way for you to learn from real-life financial planning questions. One listener is considering retirement at the age of 55 and wants to know if it's a bad idea. Another listener asks Tad and Toni what their thoughts are on investing in…
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Send us a Text Message. In today’s episode, we’re going to challenge conventional wisdom surrounding retirement planning. For example, is a mortgage always considered “good” debt for everyone? Or is changing investments when they're not performing well the right solution? Stay tuned as we chat about some of these commonly held beliefs and the impor…
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Send us a Text Message. The question ‘When can I retire?’ is one we get quite often. Rather than viewing retirement as a fixed dollar amount or an age milestone, it's a complex question that requires careful analysis. Unfortunately, many investment brokers and media personalities offer generic advice without understanding individual circumstances. …
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Send us a Text Message. In today’s episode, we’re talking about some undeniable retirement planning truths: people are living longer, involuntary retirement is becoming more common, healthcare costs are rising, and the stock market remains unpredictable. Preparing for retirement looks vastly different than it did just a decade ago, and it’s more im…
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Send us a Text Message. If you’re in the market for a financial advisor, it’s important to make sure you’re working with the right team. But for those new to the world of financial planning, distinguishing the right advisor from a potentially poor fit can be challenging. In today’s episode, we explore key indicators and red flags to help you naviga…
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Send us a Text Message. Do you think it’s possible that we could see another financial crisis in your lifetime? When we ask prospective clients this question, most of them answer with “yes.” Do you know how much your portfolio would be down in the event of another 2008? If you aren’t sure, shouldn’t you be? In today’s episode, we’re going to talk a…
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Send us a Text Message. Retirement planning is about problem-solving. It's not just about asset allocation; it's about identifying your current and future needs, managing expenses, addressing healthcare concerns, and crafting a legacy plan. In our conversation today, we talk about why it’s so important to work with an advisor who understands your e…
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Send us a Text Message. Diversification is a word thrown around a lot in the financial world and is often misunderstood. We find that many investors claim to be diversified, but upon closer inspection, lack true diversity in their portfolios. It's not just about stocks and bonds; there's a whole world of asset classes and investment tools that migh…
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Send us a Text Message. There is a lot more to retirement planning than just picking investments. From timing Social Security to assessing your retirement overall readiness, today’s episode will explore some commonly misunderstood, yet critical areas in the world of financial planning. Is your advisor helping you navigate all of these decisions? Ta…
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Send us a Text Message. Neither Freedom Financial Group nor AEWM are affiliated with Pamela Phipps or Grace House Ministries. If you work with our team or have been a listener for some time now, you might know that we are proud to be involved with several incredible charitable organizations in and around Birmingham. One of those organization is Gra…
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Send us a Text Message. Who are you learning from when it comes to making sure your retirement plan is successful? If you’re of the age that your mom and dad retired 20 or 30 years ago, the world was a much different place when they walked away from their paychecks. Let’s talk about how things are different now… We’ll look at how retirement expense…
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Send us a Text Message. If you've ever felt lost or overwhelmed after a financial planning meeting, today's episode is for you! We’re tackling the common issue of financial jargon in the world of investments and retirement planning. Listen in as we decode three examples of financial jargon and remind you that good advisors should be able to break d…
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Send us a Text Message. Will Rogers, American entertainer, radio personality, film actor and writer was famously known for his humor. In today’s show, we’re going to explore his timeless wisdom and its relevance to retirement planning. Join us to learn from some of the most iconic quotes of his career. This episode highlights the importance of lear…
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Send us a Text Message. What would Tad and Toni’s campaign slogans be if they ran for “retirement planning office?” Listen in as they each craft their hypothetical campaign platforms and discuss their visions while delivering practical guidance on making the most of your retirement journey. With humor and insight, this episode explores risk managem…
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Send us a Text Message. When it comes to planning for your future financially, it’s important to first take a look inward. Understanding your financial worries and biases plays an important role in making informed decisions for your financial well-being. Join us in this episode as we delve into the crucial aspects of self-examination in the world o…
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Send us a Text Message. There are three things that people often want from their investments: growth, safety and liquidity. Is it possible to have all of these qualities in one investment? Listen in as Tad and Toni share their insights on various investment options like cash, stocks, bonds, mutual funds, annuities, and real estate and highlight the…
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Send us a Text Message. Welcome back to the Retire With Freedom podcast! Join us as we break down the different types of retirement risks in today’s episode and talk about how to address them effectively. From tax rate risk to longevity risk, we’ll discuss some commonly overlooked factors that could impact your financial future if not properly prep…
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Send us a Text Message. On today’s show, we’re diving into the mailbag to answer some recent questions and concerns from our listeners. Patty from Hoover raises a critical question about their financial advisor’s lack of advice on topics like Social Security, life insurance, and legacy plans. Mick in Cahaba Heights asks about Tad and Toni’s thought…
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Send us a Text Message. Most people probably think a financial advisor’s primary job is picking investments, but the reality is that’s just a small part of what we do for clients. In reality, our main focus is solving problems and that’s what true financial planning entails. You can quickly tell whether you’re working with a good financial advisor …
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Send us a Text Message. The realities of retirement are much different today than they were even 10 years ago. The world around us is constantly evolving and we need to keep up with that in order to help our clients reach their retirement goals. In this episode, we’re going to talk about some of those new realities and how they’re going to affect f…
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Send us a Text Message. As retirement approaches, you might be feeling a twinge of anxiety. Are you financially prepared for the next phase of your life? If you're feeling a bit uncertain, you're not alone. It's common to worry about those symptoms that point towards bigger problems that could wreak havoc on your retirement plans. Fortunately, ther…
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Send us a Text Message. As people approach retirement, they often face various concerns such as running out of money, taxes, market crashes, and healthcare expenses. Listen in as Tad and Toni discuss the importance of seeking professional help for retirement planning. They also stress the importance of having a comprehensive retirement plan that co…
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Send us a Text Message. Just like gardening, well-planned financial plans require time, patience, and intentionality to succeed. In today’s episode, we explore the parallels between gardening and financial planning and the lessons we can learn from them. Listen in as Tad and Toni discuss the importance of being patient with investments, resisting t…
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Send us a Text Message. Welcome back to the Retire With Freedom podcast! This week, we’re discussing various types of costs and fees that can impact people as they approach retirement. We’ll also shed light on some penalties that you want to avoid and the importance of having a well-thought-out retirement plan in doing so. Join us as we debunk some…
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Send us a Text Message. We have recently noticed an increasing interest in annuities among our clients. In today’s episode, we’ll discuss how they stand apart from traditional stocks, bonds, and savings accounts. We’ll break down the two primary types of annuities- immediate and deferred- to provide clarity on how they work and debunk some common m…
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Send us a Text Message. Life has an uncanny way of surprising us with unexpected twists. Imagine spraining your ankle right before that long-awaited vacation, discovering your remodeling project requires costly plumbing repairs, or receiving a life-altering phone call just as you're about to step out the door. The truth is, predicting the future is…
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Send us a Text Message. Do you find investment and insurance product fees and commissions confusing? Ever wondered why financial advisors' charges can be unclear? In this episode, we shed light on the different charging models used by investment advisors, brokerage firms, and banks. We discuss the importance of understanding how your advisor gets p…
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Send us a Text Message. Would you hire someone to fix your car without knowing what it was going to cost? Or hire a real estate agent to sell your home without knowing what fees are involved? Of course not! Along this line of thinking, why would you invest your hard-earned money without understanding the associated costs? Join us as we discuss why …
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Send us a Text Message. Neither Freedom Financial Group nor AEWM are affiliated with David Bach. Welcome back to the Retire With Freedom podcast! Today, we are excited to be joined by David Bach, one of America’s most trusted financial experts and 10x New York Times best-selling authors. David has influenced millions through his books, media appear…
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Send us a Text Message. Transitioning into retirement is more than just stopping work; it's about entering a new phase in your life that's likely to last a third of your lifespan. This transition isn't just about surviving on your savings but about living your best life post-work. This episode will guide you on how to ensure you have enough money t…
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Send us a Text Message. Welcome back to the Retire with Freedom podcast! Today, Tad and Toni are breaking down the tax law changes that have come with the new SECURE Act. From required minimum distributions (RMD) to catch-up contributions changes, they break down the key aspects you need to know for a successful retirement. Discover how the RMD age…
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Send us a Text Message. Neither AEWM nor advisors providing investment advisory services through AEWM recommend or facilitate the buying or selling of cryptocurrencies. 1880260- 7/23. The phrase “knowing what we know now” is mostly worthless, because OF COURSE we’d do some things differently if we could see the future. But since we can’t see the fu…
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Send us a Text Message. Welcome back to the Retire with Freedom podcast! In today’s financial landscape, the need for intelligent design in retirement planning is critical. In this episode, we challenge some outdated retirement approaches and debunk some common misconceptions to help you gain a better understanding of the financial strategies neces…
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Send us a Text Message. In today’s episode, Tad and Toni tackle some common retirement planning catastrophes and share some insightful strategies for achieving financial security. From poor assumptions and inadequate planning to the lack of a retirement income strategy, there are many retirement planning pitfalls that you could fall into if you are…
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Send us a Text Message. In this episode, we dive into some critical aspects of managing your 401(k) and other retirement assets. As we discuss the importance of making informed decisions, we’ll reveal little-known strategies that can significantly impact your financial future. Stay tuned to learn about the benefits of rolling over your 401(k) into …
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