This week on the One Minute Retirement Tip podcast, I’m talking about the 3 things you need to get right for a happy, meaningful, and fulfilling retirement.  What are those 3 things? Money, Health, and the final pillar that I’m talking about today - Relationships.  And the kind of relationships that bring the most happiness in retirement according to the findings in the study are not with your kids...it’s primarily through social networks. It’s very easy to become socially isolated in retirement and that’s a big reason why many retirees become bored and depressed in retirement and find that it’s not all they hoped it would be.  When you lose the natural social interactions and friendships that develop in the workplace, you have to become more intentional about cultivating friendships in retirement. Maybe this is spending more time with friends you already have, or making new friends. Retirement allows you to focus more on the things you enjoy doing, so whether you’re into golf, travel, cars, or gardening, try to find ways to enjoy your hobbies with others, or at least make an effort to regularly get coffee or go out to lunch or dinner with friends.  According to Michael Finke (Fink-a), professor of wealth management at the American College of Financial Services and one of the researchers involved in this study, “The retiree’s job is to invest in the inputs that are actually going to result in the output of greater life satisfaction,” Cultivating friendships is work. If you’re willing to put in the investment of time it takes, it will lead to more fulfillment and enjoyment in your retirement years.  That’s it for today. Thanks for listening! My name is Ashley Micciche and this is the One Minute Retirement Tip podcast.  --------- >>> Subscribe on Apple Podcasts: https://apple.co/2DI2LSP >>> Subscribe on Amazon Alexa: https://amzn.to/2xRKrCs >>> Visit the podcast page: https://truenorthra.com/podcast/  ---------- Tags: retirement, investing, money, finance, financial planning, retirement planning, saving money, personal finance

One Minute Retirement Tip with Ashley

The 3rd Pillar Of Happiness In Retirement

This week on the One Minute Retirement Tip podcast, I’m talking about the 3 things you need to get right for a happy, meaningful, and fulfilling retirement. This is not my opinion, but it’s based on findings from a study of 20,000 retirees that followed them from 1994 to 2018.  Yesterday I talked about why money WILL make you happier in retirement, at least up to about $4 million in assets.  Today, I’m talking about the 2nd pillar of happiness in retirement - health. I wasn’t surprised by this at all. Health is something most of us don’t think about until all of a sudden we don’t have our health.  And in retirement, health becomes a forefront issue...certainly much more important that it might have been in your 20s, 30s, and 40s when you were much younger and probably much healthier.  Every day we get older and our bodies are gradually breaking down. To make matters worse, our lifestyle and habits really catch up with us in the last phase of life. If you have arthritis, chronic back pain, or bad hearing, or likely a combination of all 3 of ailments, it’s a recipe for being miserable and in pain all the time, and preventing you from enjoying an active and meaningful retirement.  The good news is, especially if you retire early enough, many of these health issues don’t crop up until your 70s and 80s. And many health issues can be eliminated all together with better habits and a better diet.  That’s it for today. Thanks for listening! My name is Ashley Micciche and this is the One Minute Retirement Tip podcast.  ---------- >>> Subscribe on Apple Podcasts: https://apple.co/2DI2LSP >>> Subscribe on Amazon Alexa: https://amzn.to/2xRKrCs >>> Visit the podcast page: https://truenorthra.com/podcast/  ---------- Tags: retirement, investing, money, finance, financial planning, retirement planning, saving money, personal finance

The 2nd Pillar Of Happiness In Retirement

This week on the One Minute Retirement Tip podcast, I’m talking about the 3 things you need to get right for a happy, meaningful, and fulfilling retirement, based on a study of 20,000 retirees that followed them from 1994 to 2018.  Today, I’m talking about the first key ingredient to happiness and fulfillment in retirement....money. Yes, despite what you’re told, money does actually make you happier. According to the article summarizing the research findings (that I’ll link to in the show notes - https://www.fa-mag.com/news/for-happiness-in-retirement--forget-about-your-kids-and-the-fancy-car--advisors-say-64230.html)  Money “seems to have a relatively linear effect up to about $4 million.” What does this mean? Well, the more money you have the happier you’ll be in retirement...up to a point. The monetary peak of happiness is when you have $4 million.  After $4 million in net worth, more money does not = happier.  Have you been told this before? Most of the research I’ve seen on money and ties to happiness deal with income. Like I’ve read research findings that indicate happiness tied to income peaks at about $75,000 a year, but newer research actually contradicts that original finding that is so often quoted as proof that more money does not equal more happiness.  So does money buy happiness? Maybe. If you think about it in retirement, and what $4 million in assets would do for your overall well-being, I think it begins to make more sense.  First of all, $4 million can provide roughly $150,000 of income in retirement, perhaps more depending on how you’re invested, while still growing to provide more income down the road. By the time you get to retirement, you’re likely to have low to no debt, so that $150,000+ a year of income is largely discretionary.  You can easily cover the basics of food, clothing, housing, gas, and health care. Which means you can enjoy travel, gardening, and a golf club membership without worrying about penny-pinching. You can use your money for good in a way that aligns with your values - contributing to causes you care about or college for your grandkids.  Your nest egg is large enough to protect you in an emergency. If something expensive breaks or you need a new roof, you have the assets to pay for it and move on without the insecurity of wondering how that large withdrawal will impact you years down the road.  So if money does buy happiness for many of us up to the $4 million dollar mark, what does that mean for you and how you plan and save and invest for retirement?  That’s it for today. Thanks for listening! My name is Ashley Micciche and this is the One Minute Retirement Tip podcast.  ---------- >>> Subscribe on Apple Podcasts: https://apple.co/2DI2LSP >>> Subscribe on Amazon Alexa: https://amzn.to/2xRKrCs >>> Visit the podcast page: https://truenorthra.com/podcast/  ---------- Tags: retirement, investing, money, finance, financial planning, retirement planning, saving money, personal finance

Yes, Money Does Make You Happier

Welcome to a new week here on the One Minute Retirement Tip Podcast. I’m your host Ashley Micciche, co-owner of True North Retirement Advisors, an independent financial advisory practice managing $325 million in client assets. I’m a Chartered Retirement Planning Counselor, and I started this podcast because I love helping people just like you gain clarity and make a plan for the retirement you envision.  The theme this week on the One Minute Retirement Tip podcast is: Do these 3 things right for a happy retirement.  I came across an article recently in the industry publication, Financial Advisor Magazine with the provocative title, “For Happiness In Retirement, Forget About Your Kids And The Fancy Car” Wait, what? You mean I’m not going to find fulfillment in retirement spending more time with my kids and grandkids, or getting that Porsche GT3 that my husband keeps bugging me about? Apparently, I said he could get one if we had another child. Well, I got the child and he’s still bugging me about that car. But I didn’t say when, and those cars are expensive... So this week on the podcast, I’ll talk about the University of Michigan Health and Retirement Study (HRS), which is a longitudinal panel study that surveys a representative sample of approximately 20,000 people in America.  It looks at factors leading to fulfillment among retirees over a long period of time, beginning in 1994 and following them up to 2018.  From this study, we’ll talk about 3 consistent things that must be present in your life in retirement in order for you to be happy, and why your kids and a fancy car aren’t part of that equation.  Link to article: https://www.fa-mag.com/news/for-happiness-in-retirement--forget-about-your-kids-and-the-fancy-car--advisors-say-64230.html That’s it for today. Come on back tomorrow, where I’ll talk about the first essential ingredient for happiness and fulfillment in retirement - money.  Thanks for listening! My name is Ashley Micciche...and this is the One Minute Retirement Tip podcast.  ---------- >>> Subscribe on Apple Podcasts: https://apple.co/2DI2LSP >>> Subscribe on Amazon Alexa: https://amzn.to/2xRKrCs >>> Visit the podcast page: https://truenorthra.com/podcast/  ---------- Tags: retirement, investing, money, finance, financial planning, retirement planning, saving money, personal finance

Do These 3 Things Right For A Happy Retirement

It’s Sunday, which means...It’s time for the recap. I’m tying everything together and sharing the most important takeaway from this week’s theme:  Market & Economic Update - Q3 2021 In case you missed any episodes, here’s what I covered in each episode this week:  stocks, bonds, the economy, how to position your investment portfolio now, and why we’re still positive about further growth ahead for the rest of this year and into 2022.  Here’s the bottom line: Stocks are within 5% of all-time highs despite supply-chain bottlenecks and the Delta variant. Technological advancements are making businesses more productive and efficient even with fewer workers. Here at True North, we think this economic and stock market recovery still has much further to go! Tomorrow, come on back, because we’re starting a brand new theme: Do these 3 things right for a happy retirement. I’ll talk about the 3 key ingredients that all must be present in order for you to have a meaningful and fulfilling retirement.  I’ll talk about why money is one of those 3 key ingredients, and the magic nest egg $ amount for maximum happiness according to one survey finding. I’ll also talk about the surprising reason why spending more time with family in retirement doesn’t make the list.  Thank you so much for listening this week! Please leave a review on Amazon, Apple Podcasts or wherever you listen to podcasts. I really appreciate your feedback, and reviews also help new people discover the show.   My name is Ashley Micciche and I hope you have a blessed Sunday. ---------- >>> Subscribe on Apple Podcasts: https://apple.co/2DI2LSP >>> Subscribe on Amazon Alexa: https://amzn.to/2xRKrCs >>> Visit the podcast page: https://truenorthra.com/podcast/  ---------- Tags: retirement, investing, money, finance, financial planning, retirement planning, saving money, personal finance

Market & Economic Update Q3 2021 | The Bottom Line

This week on the One Minute Retirement Tip podcast, I’m going in depth into our quarterly update that we send to our clients to discuss the current economic and market environment as we enter the last quarter of 2021.  Today, I’m talking about why I’m still positive about future growth ahead despite inflation fears, Covid risks, and uncertainty about future monetary and fiscal policy here in the U.S.  There’s always a million reasons to not invest...and the vast majority of them never materialize or never have the devastating impact that some pundit on TV claims after a bad day in the stock market.  Here are just a handful of reasons why we at True North thinks the future looks bright:  Lots of pent-up demand from consumers. Many many Americans are better off financially than they were before Covid. We’ve got money to spend and not as many options to spend it with restrictions still in place and Covid fears overhanging. As more Americans get vaccinated and Covid morphs into a less deadly virus, Americans have cash burning a hole in their pocket and are eager to spend again. This should really bolster the economy.  Related to this is the fact that Americans are collectively sitting on $2.5 trillion dollars in cash. With consumer spending being the biggest component of GDP, $2.5 trillion is an important figure.  Small business formations are booming. Record amounts of new businesses are forming, which should fuel further economic growth in the years ahead. The financial system, which is the grease on the wheels for the economy - is healthy. There have surprisingly been no shocks in the financial system throughout all of this, thanks to dramatic actions by the Fed early on in the crisis. Banks are healthy and have capacity to lend more. Rising interest rates should help banks as well.  These are just a few of the reasons why we’re confident that the economy is on solid ground and has room for further growth as we close out 2021 and head into next year.  That’s it for today. Thanks for listening! My name is Ashley Micciche and this is the One Minute Retirement Tip podcast.  ---------- >>> Subscribe on Apple Podcasts: https://apple.co/2DI2LSP >>> Subscribe on Amazon Alexa: https://amzn.to/2xRKrCs >>> Visit the podcast page: https://truenorthra.com/podcast/  ---------- Tags: retirement, investing, money, finance, financial planning, retirement planning, saving money, personal finance

Future Growth Ahead?

This week on the One Minute Retirement Tip podcast, I’m going in depth into our quarterly update that we send to our clients to discuss the current economic and market environment as we enter the last quarter of 2021.  So far this week I’ve been talking about what’s been going on in the stock market, the bond market, and the economy. Today, I’m talking about what all of this means for positioning your investment portfolio to take advantage of the current environment.  Hopefully if you’ve been listening this week, you got the impression that I’m still positive about where the markets and the economy are headed. Yes, there is a lot of uncertainty, and yes there may be some short-term hiccups in the stock market that you might see reflected in your investment portfolio, but I think that the economy will continue to normalize as we emerge from Covid, and that’s good news for stocks and bonds.  Here’s how I’m positioning client portfolios right now:  On the stock side, the foundation is still value stocks. I’ve always preferred value stocks especially for investors close to retirement or in retirement, but with increasing interest rates, they’re looking more attractive compared to the high-flying big tech stocks On the bond side, I like shorter term bonds, especially laddered bonds, where investors will be rewarded by reinvesting those bonds at higher rates, if interest rates continue higher in 2022 and beyond Diversification is key right now, especially if big tech stocks fall out of favor. Many investors don’t realize how much of their supposedly diversified broad-market index fund is concentrated in just a handful of large tech stocks. Investors have been rewarded by this in recent years and have become complacent as a result. I find this concerning that so much of Americans wealth is tied up in just a handful of companies. As we have already seen this year with selloffs in big tech, this trend can turn on a dime and it would be prudent to evaluate your portfolio - really look under the hood - to determine if you are well-diversified across companies and different industries.  That’s it for today. Thanks for listening! My name is Ashley Micciche and this is the One Minute Retirement Tip podcast.  ---------- >>> Subscribe on Apple Podcasts: https://apple.co/2DI2LSP >>> Subscribe on Amazon Alexa: https://amzn.to/2xRKrCs >>> Visit the podcast page: https://truenorthra.com/podcast/  ---------- Tags: retirement, investing, money, finance, financial planning, retirement planning, saving money, personal finance

Positioning Your Investment Portfolio - Q3 2021

This week on the One Minute Retirement Tip podcast, I’m going in depth into our quarterly update that we send to our clients to discuss the current economic and market environment as we enter the last quarter of 2021.  Today, I’m talking about the economy.  A really cool milestone happened for the economy this year - 2nd quarter GDP surpassed $20 trillion for the first time ever – topping pre-pandemic levels by around 1%. What’s even more stunning is that this was accomplished with 6.7 million fewer workers compared to pre-pandemic levels.  The shutdown and stay-at-home in 2020 wouldn’t have been possible even just a few years ago, but the technology that’s available today made it possible for people to work from home, food and groceries to still come to you without going to the store or the restaurant, and e-commerce making it all possible.  It really shines a light on just how amazing this technological revolution is that we’re in the midst of right now, and helps explain why tech stocks have been such stunning outperformers, especially over the last 10 years. The tremendous growth in productivity that we all are experiencing will continue into the future, as businesses in every industry get better at using technology for new things. I see examples of this every day in the financial services industry, as technology makes it possible to get more done in less time with fewer headaches.  For businesses in every industry, the Covid-driven innovation through the use of technology should also lead to better profitability and margins.  The good news heading into the fall is that we are still just 18-months into a new economic expansion. Inventories which were significantly depleted need to be rebuilt. Inflation which has been a concern should start to moderate and The Fed remains very accommodating and is in no hurry to raise rates anytime soon. Plus, we may be near a peak in U.S. Covid infections and break-through therapeutics could be a game-changer.  That’s it for today. Thanks for listening! My name is Ashley Micciche and this is the One Minute Retirement Tip podcast.  --------- >>> Subscribe on Apple Podcasts: https://apple.co/2DI2LSP >>> Subscribe on Amazon Alexa: https://amzn.to/2xRKrCs >>> Visit the podcast page: https://truenorthra.com/podcast/  ---------- Tags: retirement, investing, money, finance, financial planning, retirement planning, saving money, personal finance

Economic Update - Q3 2021

This week on the One Minute Retirement Tip podcast, I’m going in depth into our quarterly update that we send to our clients to discuss the current economic and market environment as we enter the last quarter of 2021.  Today, I’m talking about bonds, baby! What’s going on with bonds?! Well, a lot actually.  As I mentioned yesterday, there are some inflation concerns that are driving markets, and that’s especially true in the bond market, where bonds are really sensitive to higher inflation. That’s because when you buy a bond, you’re locking in a certain interest payment twice a year that’s unchanging. So when inflation eats away at that, it makes those payments and hence the bonds themselves worth less money. Related to inflation, and what’s probably driving bond markets even more right now is the likelihood that the Federal Reserve will start raising rates and taper their bond purchases. It now seems likely that they’ll announce this intention formally at their meeting in November, and start tapering in 2022.  Bond yields are already rising in anticipation of this move, which is why you may have seen news headlines about the 10-year treasury yield going higher. That’s been happening because of what the Fed has been saying and will likely continue.  So what does this mean for bond investors? If you’ve been disciplined and stayed invested in short and intermediate term bonds that don’t mature beyond the next 5-7 years, then your patience will soon hopefully be rewarded with higher rates. Bonds in the short to intermediate term categories should hold up ok and will likely benefit from being able to once again reinvest at higher rates.  The bottom line is that as rates go up, investing in bonds becomes more attractive again, especially relative to holding cash, and even to owning stocks, so the while the rise in interest rates may hurt some bond investors, many will likely benefit, especially if you’re adding new money to bonds or re-investing bonds that are maturing soon.  That’s it for today. Thanks for listening! My name is Ashley Micciche and this is the One Minute Retirement Tip podcast.   ---------- >>> Subscribe on Apple Podcasts: https://apple.co/2DI2LSP >>> Subscribe on Amazon Alexa: https://amzn.to/2xRKrCs >>> Visit the podcast page: https://truenorthra.com/podcast/  ---------- Tags: retirement, investing, money, finance, financial planning, retirement planning, saving money, personal finance

Bond Market Update - Q3 2021

This week on the One Minute Retirement Tip podcast, I’m going in depth into our quarterly update that we send to our clients to discuss the current economic and market environment as we enter the last quarter of 2021.  Today, I’m talking about what’s driving the stock market right now.  Despite a strong start to the quarter in July and August, September was a challenging month for stocks with the S&P 500 down nearly 5% in September. Most of that downturn came near the end of the month when uncertainty about the debt ceiling and some surprises on deadlocks with Democrats over a couple of big spending bills spooked stocks.  As of this recording, it’s still uncertain whether Congress will raise the debt ceiling. They have until next Monday to do it, and there’s a lot of politicians playing with fire here, trying to use it as a leverage point, which is concerning. I do think a catastrophe will be avoided and we won’t have a government shutdown, but there’s still uncertainty about taxes and government spending, as well as supply-chain bottlenecks, labor shortages, and the Delta variant. Adding to investors' concerns are worries about persistent higher inflation.  So there’s a lot that can potentially weigh on the stock market for the next few months, and none of these issues are going away anytime soon. Some recent data suggests that supply chain issues are actually getting worse. I can attest to this firsthand, as I am still waiting for a washer and dryer that I ordered in July. In the meantime, I’m having to do laundry at the neighbor’s house for hopefully not too much longer.  So I think it’s possible that these issues continue to weigh on markets, but the good news is that new covid cases from the Delta variant appear to have peaked in September, so if that can lead to a return to normalcy, then some of these supply chain and labor shortage issues should improve with time.  That’s it for today. Thanks for listening! My name is Ashley Micciche and this is the One Minute Retirement Tip.  ---------- >>> Subscribe on Apple Podcasts: https://apple.co/2DI2LSP >>> Subscribe on Amazon Alexa: https://amzn.to/2xRKrCs >>> Visit the podcast page: https://truenorthra.com/podcast/  ---------- Tags: retirement, investing, money, finance, financial planning, retirement planning, saving money, personal finance

Stock Market Update - Q3 2021

Welcome to a new week here on the One Minute Retirement Tip Podcast. I’m your host Ashley Micciche, co-owner of True North Retirement Advisors, an independent financial advisory practice managing $325 million in client assets. I’m a Chartered Retirement Planning Counselor, and I started this podcast because I love helping people just like you gain clarity and make a plan for the retirement you envision.  The theme this week on the One Minute Retirement Tip podcast is: Market & Economic Update for the 3rd quarter of 2021. We just closed out the 3rd quarter of the year at the end of September, and we’re rounding third base to the close of the year.  I can’t believe how this year has just flown by and there’s so much going on right now between rockiness in the stock market, the Delta variant, supply chain bottlenecks and inflation issues...It’s a really confusing time to be an investor, especially when you’re so close to retirement.  Now if you listened yesterday, I promised to talk about anticipated tax changes and how you can plan now. As of this recording, Congress still has no resolution for their build back better act and the infrastructure spending bill. So until there is more certainty on what taxes will actually look like I’m going to hold off on talking about this in more depth.  So this week on the podcast I’ll go in depth on the quarterly newsletter we write and send to clients on what the heck is going on in the world of investing.  Tune in each day this week where I’ll talk about stocks, bonds, the economy, how to position your investment portfolio now, and why we’re still positive about further growth ahead for the rest of this year and into 2022.  That’s it for today. Come on back tomorrow...where I’ll help you digest the biggest trends influencing the stock market today.  Thanks for listening! My name is Ashley Micciche...and this is the One Minute Retirement Tip podcast.  ---------- >>> Subscribe on Apple Podcasts: https://apple.co/2DI2LSP >>> Subscribe on Amazon Alexa: https://amzn.to/2xRKrCs >>> Visit the podcast page: https://truenorthra.com/podcast/  ---------- Tags: retirement, investing, money, finance, financial planning, retirement planning, saving money, personal finance

Market & Economic Update | Q3 2021

It’s Sunday, which means...It’s time for the recap. I’m tying everything together and sharing the most important takeaway from this week’s theme:  A Week of Giveaways!  In case you missed any episodes, here’s all the free tools I offered this week:  Asset Allocation Cheat Sheet Portfolio Stress Test Retirement Success Forecaster Investment Portfolio Analysis Social Security Optimizer Here’s the bottom line: Planning for retirement means you’ll be making several important decision that will impact you and your finances for the next 20-30 years. Many of those decisions are irreversible, which means that arming yourself with information about what’s best for you will be essential and help set you up for a successful retirement.  Tomorrow, come on back, because we’re starting a brand new theme: Get Ready For Tax Hikes! How To Plan Now. I’ll talk about some of the current proposals and tax law changes that are likely to be enacted into law as part of the Build Back Better Act, the $3.5 trillion spending bill that will require tax hikes to pay for. I’ll talk about which changes will likely impact you and how you can take action now to take advantage of the current tax laws before these changes go into effect.  Thank you so much for listening this week! Please leave a review on Amazon, Apple Podcasts or wherever you listen to podcasts. I really appreciate your feedback, and reviews also help new people discover the show.   My name is Ashley Micciche and I hope you have a blessed Sunday. ---------- >>> Subscribe on Apple Podcasts: https://apple.co/2DI2LSP >>> Subscribe on Amazon Alexa: https://amzn.to/2xRKrCs >>> Visit the podcast page: https://truenorthra.com/podcast/  ---------- Tags: retirement, investing, money, finance, financial planning, retirement planning, saving money, personal finance

A Week of Giveaways | The Bottom Line

The theme this week on the One Minute Retirement Tip podcast is: A Week of Giveaways! Each day this week I’m offering a free tool that you can take advantage of to help you plan for a comfortable retirement.  Today’s free tool is: Social Security Optimizer One of the most important and most confusing questions you’ll need to figure out as you plan for retirement is what age to start social security. If you’re married, divorced, or widowed, that question gets even more tangled.  The good news is that with some analysis and planning ahead, you can make a more informed decision about what might be the best age to start social security...for you! A great tool for doing that and something we use all the time with clients is the social security optimizer.  It will look at your social security benefit amount and show you different filing scenarios side-by-side. You’ll see the breakeven age for each scenario...in other words, what age do you need to live to in order for the selected scenario to provide more lifetime income than taking it as early as possible.  The optimizer will also show you the total lifetime income amount for each filing scenario...sometimes all we think about is the difference in monthly income, but if you live to your life expectancy, you could be leaving hundreds of thousands of dollars on the table by making the wrong social security decision. Here’s how you can complete the social security optimizer:  I need 3 data points to complete your social security optimizer: Your age Your income Your social security monthly benefit amount at your full retirement age Send me an email with those 3 pieces of information and I’ll send you a personalized social security optimizer, so you can make a smart and informed social security decision!  That’s it for today. Thanks for listening! My name is Ashley Micciche and this is the One Minute Retirement Tip.  ---------- >>> Subscribe on Apple Podcasts: https://apple.co/2DI2LSP >>> Subscribe on Amazon Alexa: https://amzn.to/2xRKrCs >>> Visit the podcast page: https://truenorthra.com/podcast/  ---------- Tags: retirement, investing, money, finance, financial planning, retirement planning, saving money, personal finance

Free Tool: Social Security Optimizer

The theme this week on the One Minute Retirement Tip podcast is: A Week of Giveaways! Each day this week I’m offering a free tool that you can take advantage of to help you plan for a comfortable retirement.  Today’s free tool is: An investment portfolio analysis, performed by yours truly.  Many people collect accounts and investments over the years and have no idea how it all fits together into one cohesive strategy. If this sounds like you, then today’s free tool is for you.  My investment portfolio analysis will look at:  How well diversified your portfolio is across sectors and styles How much in total you have in stocks, bonds, and cash How much overlap there is across the different funds and ETFs you own. Maybe all of them have the same top holdings. Chances are there’s some overlap with your holdings where you’re not as diversified as you can be. We’ll compare the results of your portfolio with the overall stock market to see how well your portfolio stacks up across multiple time periods.  And I’ll even show you the total portfolio income you’re currently generating from interest and dividends...an essential data point as you build a portfolio that is well-suited to retirement.  And lastly, I’ll show you what the total fees are of your retirement portfolio, so you can make sure that your fees are reasonable and aren’t dragging down your returns.  This is something I’ve never offered on the podcast before, and it’s jam-packed with value!  Just send me an email at ashleym@truenorthra.com and I’ll send over instructions and a secure sharing link so you can send over a copy of your statements or a list of your investment holdings to me confidentially and securely. Again that’s ashleym@truenorthra.com.   That’s it for today. Thanks for listening! My name is Ashley Micciche and this is the One Minute Retirement Tip.  ---------- >>> Subscribe on Apple Podcasts: https://apple.co/2DI2LSP >>> Subscribe on Amazon Alexa: https://amzn.to/2xRKrCs >>> Visit the podcast page: https://truenorthra.com/podcast/  ---------- Tags: retirement, investing, money, finance, financial planning, retirement planning, saving money, personal finance

Free Tool: Investment Portfolio Analysis

The theme this week on the One Minute Retirement Tip podcast is: A Week of Giveaways! Each day this week I’m offering a free tool that you can take advantage of to help you plan for a comfortable retirement.  Today’s free tool is: The Retirement Success Forecaster The retirement success forecaster considers everything from the age you retire to your social security, to your assets and income sources in retirement to help you answer the most important financial question you can ask as you prepare for retirement: What are the chances that I will live a comfortable retirement without running out of money?  If you’re planning to retire in the next 5 years or if you’ve recently retired, this free tool will help you see if you’re on the right path or if some course corrections are necessary. It’s important to go through this process while you still have options, so if you are planning on retiring soon or you recently retired, don’t wait on taking advantage of this free tool.  Here’s how you can get your copy of the forecaster: Go to www.truenorthra.com/retirementsuccess, There you can Download a copy of my Retirement Success Forecaster and get your FREE personalized results. Again, that’s www.truenorthra.com/retirementsuccess. That’s it for today. Thanks for listening! My name is Ashley Micciche and this is the One Minute Retirement Tip.  --------- >>> Subscribe on Apple Podcasts: https://apple.co/2DI2LSP >>> Subscribe on Amazon Alexa: https://amzn.to/2xRKrCs >>> Visit the podcast page: https://truenorthra.com/podcast/  ---------- Tags: retirement, investing, money, finance, financial planning, retirement planning, saving money, personal finance

Free Tool: Retirement Success Forecaster

Planning for retirement can be confusing. Ashley makes it simpler! Every day, you'll receive quick, actionable ideas to help you on your path to retirement. Disclosure: https://drive.google.com/open?id=149ZdPZDQsnmXXslZ2j1TIEjP8i_BODi8

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One Minute Retirement Tip with Ashley

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