Chris Boyd and Jeff Perry welcome Dr.Laura Mattia to the podcast. The conversation focuses on the premise that while money is not the key to happiness, using it wisely can help us pursue our dreams, elevate our status, gain independence, and contribute to meaningful change in the world. The trio digs into why many married women are not involved in the personal finance and
investment decisions of their household and the risks associated with such
disengagement. For more information about Dr. Mattia, see the link below:

https://www.moneymatriarchs.com/

For more information or to reach Chris Boyd or Jeff Perry, click the following link:

https://www.wealthenhancement.com/s/advisor-teams/amr

Is 80% enough? – Chris Boyd and Jeff Perry explore the question of how much you
will likely be spending in retirement. The pair begins the conversation with the age-old
rule that retirees only need 80% of their pre-retirement income in retirement. Chris and
Jeff explore the “retirement smile” and how it can be a good predictor of retirement cash
flow. More than just a podcast about money, Chris and Jeff discuss the various ways
many retirees over and under spend their expected retirement funds. Chris puts the entire
episode into why having an annual review with your financial planner is critical to
staying on course in retirement.
For more information or to reach Chris Boyd or Jeff Perry, click the following link:
https://www.wealthenhancement.com/s/advisor-teams/amr

Family Planning – not what you are probably thinking? – Families talk about finances
in different ways. Some are incredibly open about the realities of their financial
situations; some only discuss it when they need to; others consider talking about money
as off-limits. If your family isn’t having open and honest conversations about finances
and wealth, it’s time to reevaluate. Chris Boyd and Jeff Perry dig into these issues and
more as they offer their commentary and advice on including family members in your
financial and estate planning. See related article linked below:

https://www.wealthenhancement.com/s/blog/empowering-your-future-financial-planning-
for-parents-with-adult-children-MC2WSGEA7ZQVCOXA2OJ5DP3ZAQPA

For more information or to reach Chris Boyd or Jeff Perry, click the following link:
https://www.wealthenhancement.com/s/advisor-teams/amr

Challenges to an early retirement – Chris Boyd and Jeff Perry explore the risks and
challenges to retiring early. Chris and Jeff start the episode with how some clients have
an undefined desire to retire early, and frequently fail to consider the various details.
Chris outlines why savings must be abundant as an earlier retirement means not only
spending sooner, but also fewer years of savings and less compounding as you spend
assets. Chris and Jeff discuss the need for greater tax diversification, especially if retiring
before age 59 ½. Chris explains the option of using Equal Periodic Payments. Chris and
Jeff explore the need to plan for how you will manage health care insurance and costs, as
well as the long-term impacts of inflation.
For more information or to reach Chris Boyd, Russ Ball or Jeff Perry, click the following
link: https://www.wealthenhancement.com/s/advisor-teams/amr

Fires - Are You Properly Covered? – With the recent fires in California, many
homeowners across the country are wondering if they are properly covered. Chris Boyd
welcomes Special Guest Doug MacDonald, CPCU to the episode. Joining them is Jeff
Perry. The conversation begins with an outline of what homeowners’ insurance covers
and what it does not. Specific topics reviewed include coverage limits, earthquakes, and
flood risks. Doug offers advice concerning the value of a guaranteed replacement
endorsement. For more information about Doug MacDonald, check out the link below:
https://riskadvice.com/
For more information or to reach Chris Boyd, Russ Ball or Jeff Perry, click the following
link: https://www.wealthenhancement.com/s/advisor-teams/amr

How much can I take? – How retirees determine a safe withdrawal rate is one of the
most frequent questions clients ask their financial advisors. Chris Boyd, Jeff Perry, and
Russ Ball review a recent Morningstar article (see link below). The conversation
includes the pros and cons of relying on the standard rate of 4% as well as the risks of
using stagnant rules in financial planning. Jeff raises the concept of cash flows as
suggested by the “Retirement Smile” concept and Chris highlights the need for
determining an annual withdrawal amount in the context of a comprehensive financial
plan.

https://www.morningstar.com/retirement/how-retirees-can-determine-safe-withdrawal-
rate-2025

For more information or to reach Chris Boyd, Russ Ball or Jeff Perry, click the following
link: https://www.wealthenhancement.com/s/advisor-teams/amr

Free Yourself – Chris Boyd, Jeff Perry, and Russ Ball dig into the value of time and
when engaging a financial advisor can have a meaningful impact on free time as well as
your financial plan. The trio share commentary how handing over the reins of your
portfolio can reclaim precious hours, rediscover your passions, and live a life enriched by
experiences and moments that money alone cannot buy. The AMR Team is offering a
complimentary guidebook titled, “Unleashing your time: The unexpected freedom of
delegated investing.”
For more information or to reach Chris Boyd, Russ Ball or Jeff Perry, click the following
link: https://www.wealthenhancement.com/s/advisor-teams/amr

What’s new for Social Security in 2025? – With some 73 million Americans relying on Social
Security for monthly income, there is a lot of interest in the recent changes to Social Security
benefits. Jeff Perry and Russ Ball discuss the recent updates, including the repeal of the Windfall
Elimination Provision (WEP), 2025 cost of living adjustment, and changes to income levels
related to income taxes. Jeff and Russ informed listeners how to check on their future benefit
estimates. Jeff and Russ also discuss best practices for retaining important documents, including
income tax supporting data, military records, and more.
Check out our previous podcast on Social Security Fairness and the repeal of WEP:
https://somethingmorewithchrisboyd.libsyn.com/social-security-fairness

For more information or to reach Chris Boyd, Russ Ball or Jeff Perry, click the following link:
https://www.wealthenhancement.com/s/advisor-teams/amr