The Priority of Retirement

By: Shawn Maloney
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  • Summary

  • Welcome to "The Priority of Retirement," hosted by seasoned certified retirement planner and fiduciary, Shawn Maloney. In each episode, Shawn shares age-old wisdom combined with modern, proven methods to help you navigate the complex world of retirement planning.


    Drawing from the principles that have stood the test of time, Shawn's insights are designed to be easy to understand and apply. Whether you're looking to reduce retirement risks, plan for the critical drawdown phase, or identify your unique "Retirement Why," this podcast provides you with the knowledge you need.


    In "The Priority of Retirement," you'll discover how to navigate the three phases of retirement, implement the "Retire Happy Framework™," and approach retirement income planning effectively. Shawn also explores why generosity is key to retirement happiness and how to ensure you create a rewarding and fulfilling life by planning properly now.


    Join Shawn Maloney as he helps you blend timeless wisdom with modern strategies to secure a prosperous and joyful retirement. Don't miss an episode of "The Priority of Retirement," your guide to a well-planned and meaningful future.
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Episodes
  • Unlocking Biblical Wisdom for Financial Stewardship with Shane Whybrew

    Unlocking Biblical Wisdom for Financial Stewardship with Shane Whybrew
    Sep 10 2024

    About Shane Whybrew: Shane Whybrew is the Vice President of the Financial Wisdom Network at the Ron Blue Institute. With over 30 years of experience in development, fundraising, and pastoral roles, Shane has dedicated his career to helping others understand biblical financial wisdom and grow in their stewardship and generosity. His journey included pioneering financial principles at Grace Church in Noblesville, Indiana, and building a strong relationship with the Ron Blue Institute. Shane enjoys the sales process and takes pride in helping others impact their communities and the world through effective stewardship.


    In this episode, Shawn and Shane Whybrew discuss:

    • Biblical principles in financial decision-making
    • The role of the church in financial stewardship
    • Educational outreach by the Ron Blue Institute
    • The 4H framework for financial wisdom


    Key Takeaways:

    • The Ron Blue Institute collaborates with eight large churches in the U.S. to pilot a financial discipleship program integrating biblical principles into church ministry, going beyond traditional stewardship sermons and financial classes.
    • The 4H framework (Heart, Health, Habits, Hope) serves as a practical tool for individuals to make financial decisions that are aligned with their faith, using scriptural references to provide guidance and reinforce a biblically-informed approach to money management.
    • Ron Blue advocates for five core principles of biblical financial management—spend less than you earn, avoid debt, build financial margin, set long-term goals, and give generously—that are universally applicable across all income levels and provide a solid foundation for achieving financial stability.
    • Emphasizing the belief that all possessions are ultimately owned by God and that individuals are merely stewards of these resources, the Ron Blue Institute encourages a shift in financial behavior towards managing money wisely and aligning financial practices with Christian faith.


    "All financial behavior follows a belief system... So what the 4H tool is represented to do is to take the way that we can talk about how you and I make financial decisions and align it with our faith." — Shane Whybrew

    Connect with Shane Whybrew:

    Website: www.ronblueinstitute.com

    LinkedIn: https://www.linkedin.com/in/shanewhybrew/


    The Four Hs of Financial Wisdom: https://ronblueinstitute.com/fourhtool/


    Get a free copy of Shawn’s book “The Priority of Retirement” here- https://www.retirewisepro.com/the-priority-of-retirement


    Contact Shawn:

    Website- https://www.retirewisepro.com/

    YouTube- https://www.youtube.com/channel/UCiIMGdosN-snkV5gFt7FRSg

    LinkedIn- https://www.linkedin.com/in/shawn-maloney-retire-wise

    Instagram- https://www.instagram.com/retirewise_llc/

    Facebook- https://www.facebook.com/ShawnMaloney.RetirementPlanning/


    Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it.
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    24 mins
  • Understanding Your Medicare and Health Insurance Options with Kevin Heath

    Understanding Your Medicare and Health Insurance Options with Kevin Heath
    Sep 3 2024

    About Kevin Heath: Kevin Heath has been a significant player in the health insurance and Medicare industry for 20 years. He is the founder of MTD Benefits Inc., a company dedicated to educating and guiding clients through the complexities of health insurance and Medicare, without charging fees for their services. With extensive experience working for large carriers like Humana and Aflac, Kevin brings a wealth of knowledge and a client-first approach, prioritizing the best interests of his clients over commissions. In addition to his broker license, he is also a licensed Health Insurance Counselor, reflecting his commitment to providing expert, unbiased advice.


    In this episode, Shawn and Kevin Heath discuss:

    • Securing financial and healthcare needs
    • The complexities of health insurance and Medicare options
    • The differences between standard Medicare plans and Medicare Advantage plans
    • Covering additional expenses not covered by standard Medicare


    Key Takeaways:

    • Medicare has four main parts: Part A covers inpatient hospital care, Part B covers outpatient services, Part C (Medicare Advantage) is a privatized plan offering additional benefits, and Part D provides prescription drug coverage.
    • Medicare Supplement plans (Medigap) help cover deductibles, coinsurance, and other out-of-pocket costs not fully covered by standard Medicare plans.
    • Unlike traditional Medicare, Medicare Advantage plans often include additional benefits such as dental, vision, and hearing coverage, which can be valuable for retirees looking for more comprehensive coverage.
    • Selecting the right Medicare or health insurance plan requires careful consideration of individual circumstances and potential future healthcare costs to avoid exhausting retirement savings.


    "We're going to educate. We're going to make sure we're educating with the correct information, not the incorrect information." — Kevin Heath


    Connect with Kevin Heath:

    Website: www.mtdbenefits.com

    Email: kevin@mtdbenefits.com

    LinkedIn: https://www.linkedin.com/in/mtdbenefits/


    Get a free copy of Shawn’s book “The Priority of Retirement” here- https://www.retirewisepro.com/the-priority-of-retirement



    Contact Shawn:

    Website- https://www.retirewisepro.com/

    YouTube- https://www.youtube.com/channel/UCiIMGdosN-snkV5gFt7FRSg

    LinkedIn- https://www.linkedin.com/in/shawn-maloney-retire-wise

    Instagram- https://www.instagram.com/retirewise_llc/

    Facebook- https://www.facebook.com/ShawnMaloney.RetirementPlanning/


    Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it.
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    29 mins
  • Mastering the Art of a Secure and Happy Retirement with Tom Hegna

    Mastering the Art of a Secure and Happy Retirement with Tom Hegna
    Aug 27 2024
    About Tom Hegna: Tom Hegna, CLU, ChFC, CASL, is a renowned author, speaker, and economist widely recognized as the Retirement Income Expert. A former Senior Executive Officer at New York Life and retired Lieutenant Colonel, Tom has delivered over 5,000 seminars, sharing his expertise on optimal retirement strategies with Baby Boomers and seniors. His best-selling books, including Paychecks and Playchecks and Don't Worry, Retire Happy!, distill his extensive knowledge into accessible, actionable advice. In this episode, Shawn and Tom Hegna discuss:Planning for financial security in retirementUsing analytical methods for retirement strategiesManaging risks related to retirementThe importance of tax considerations in retirement planningKey Takeaways:Retirement income planning is crucial for a stable and sufficient income, requiring a strategy focused on guaranteed income, inflation protection, long-term care, and life insurance to guard against unexpected financial risks.Using math and science in retirement planning helps navigate market fluctuations and economic uncertainties by identifying optimal strategies for a secure retirement, rather than chasing unpredictable outcomes.To mitigate the impact of rising taxes and national debt, shifting assets into tax-advantaged vehicles like Roth IRAs and cash value life insurance is essential for reducing tax burdens and maximizing future net income.Effective retirement risk management involves not just having enough funds, but ensuring they last through a mix of guaranteed income products, smart investments, and understanding tax implications to maintain financial security. "You gotta follow the formulas that are proven. Why deviate from something that's proven? I'm just doing exactly what I'm telling other people to do. That's what I'm doing. And look, I'm living a great retirement. I'm loving it." — Tom Hegna Be among the first 10 to request a copy of "Don't Worry, Retire Happy" through our website or by emailing Shawn at shawn@retirewisepro.com, and you'll also receive a special bonus copy of "The Priority of Retirement!"Connect with Tom Hegna: Website: https://tomhegna.com/LinkedIn: https://www.linkedin.com/in/tomhegna/Don't Worry, Retire Happy!: https://www.amazon.com/Worry-Retire-Retirement-Security-2014-05-03/dp/B01FKTJKOWPaychecks and Playchecks: https://www.amazon.com/Paychecks-Playchecks-Retirement-Solutions-Life/dp/098421738XGet a free copy of Shawn’s book “The Priority of Retirement” here- https://www.retirewisepro.com/the-priority-of-retirementContact Shawn:Website- https://www.retirewisepro.com/YouTube- https://www.youtube.com/channel/UCiIMGdosN-snkV5gFt7FRSgLinkedIn- https://www.linkedin.com/in/shawn-maloney-retire-wiseInstagram- https://www.instagram.com/retirewise_llc/Facebook- https://www.facebook.com/ShawnMaloney.RetirementPlanning/Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it.
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    27 mins
Leadership Economics Personal Finance
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