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Ep. 72: Your Recipe for Retirement

June 18, 2017 By Michael Clark

Nobody likes salty cookies. Well, maybe salted caramel, but that’s a special circumstance. Have you ever put on pants you found in the back of your closet? Most likely you outgrew them, and they, hopefully, became way too big. Having the right mixes and measurements is very important in order to have the best fit, batter, or asset mix. The right mix in your portfolio is crucial to achieving your financial goals. As life spans keep increasing, so do the total number of retirement withdraws. Remember, some of that money will stay in the account, and keep working for you even after retirement.


You retire in 5 years. You don’t die in 5 years.

It’s allocated for bills, and other living expenses. Most people it’s a long term plan. Therefore, it’s ok for the market to drop even 30% because you have so much time left to enjoy life. Withdrawing the cash means you won’t benefit when the market rebounds. With that said it is still important to have the right asset mix so you can take full advantage of your retirement. You have to think about what you need for your personal retirement. Make sure to always revisit your account at least once a year to make sure the recipe is right. This will help ensure you’ll be enjoying your wonderful golden brown years the way you want to.

We talk about the options you have, such as DROP, 401K’s, and even some of those special “salty” circumstances on the show. Follow the link to hear the entire Let’s Talk Future Father’s Day show.

Ep. 72 Your Recipe for Retirement

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“When I was boy of 14, my father was ignorant I could hardly stand to have the old man around. When I got to be 21 I was astonished to how much he had learned in just 7 years.” – Mark Twain

Opinions expressed are those of Michael Clark and are not necessarily those of Raymond James. Investing involves risk; investors may incur a profit or loss regardless of the strategy or strategies employed. Asset allocation and diversification do not ensure a profit or guarantee against loss.

·         Hear about we spent our time off from the show. (2:05)

·         What’s a good mix for someone nearing retirement? (6:00)

·         Text about opening a Roth IRA. (18:56)

·         What are your true investments? (26:30)

·         What is FRS, and how do you take money out of it. (28:33)

Investments mentioned may not be suitable for all investors. Future investments performance cannot be guaranteed, investment yields will fluctuate with market conditions. Prior to making an investment decision, please consult with your financial advisor about your individual situation. Investing involves risk and investors may incur a profit loss.

Filed Under: Blog, Front Page, Uncategorized Tagged With: Blog

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Securities offered through Raymond James Financial Services, Inc., Member FINRA/SIPC
Investment advisory services offered through Raymond James Financial Services Advisors, Inc. Keiron Partners is not a registered broker/dealer and is independent of Raymond James Financial Services.

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Securities offered through Raymond James Financial Services, Inc., Member FINRA/SIPC  Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.

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Links are being provided for information purposes only. Raymond James is not affiliated with and does not endorse, authorize or sponsor any of the listed websites or their respective sponsors. Raymond James is not responsible for the content of any website or the collection or use of information regarding any website’s users and/or members. This material is being provided for information purposes only and is not a complete description, nor is it a recommendation. Any communications received during the show, including text messages, are the property of 96.5 FM Radio (or) ESPN Radio 580AM, and are independent of Raymond James. The information has been obtained from sources considered to be reliable, but we do not guarantee that the foregoing material is accurate or complete. Any opinions are those of Michael Clark, CFP© and/or John McCann, Financial Advisor and not necessarily those of Raymond James. All opinions are as of this date and are subject to change without notice. The information contained in this radio show does not purport to be a complete description of the securities, markets, or developments referred to in this material. The information has been obtained from sources considered to be reliable, but we do not guarantee that the foregoing material is accurate or complete. Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. Roth IRA owners must be 59½ or older and have held the IRA for five years before tax-free withdrawals are permitted. Additionally, each converted amount may be subject to its own five-year holding period. Converting a traditional IRA into a Roth IRA has tax implications. Investors should consult a tax advisor before deciding to do a conversion. RMD’s are generally subject to federal income tax and may be subject to state taxes. Consult your tax advisor to assess your situation. Investors should carefully consider the investment objectives, risks, charges and expenses associated with 529 plans before investing. This and other information is available in the issuer’s official statement and should be read carefully before investing. Investors should consult a tax advisor about any state tax consequence of an investment in a 529 plan. Investments mentioned may not be suitable for all investors. Every investor’s situation is unique and you should consider your investment goals, risk tolerance and time horizon before making any investment. Prior to making an investment decision, please consult with your financial advisor about your individual situation. The hypothetical examples in these radio shows are for illustrative purposes only and do not represent an actual investment. Actual investor results will vary. Past performance may not be indicative of future results. Raymond James is not affiliated with and does not endorse the opinions or services of any non-Raymond James speakers or of 96.5 FM Radio (or) ESPN Radio 580AM. Raymond James Financial Services, Inc. and its advisors do not provide advice on tax, legal or mortgage issues. These matters should be discussed with the appropriate professional. This is not a recommendation to purchase or sell the stocks of the companies mentioned.

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