Income for Life

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Click the links below to listen to Income For Life Radio with Matt Nelson to hear him discuss common retirement income questions and concerns – with no financial jargon!  IFL Radio podcasts are exclusively online and are downloaded all across the nation, as well as globally, through our national affiliates and partners throughout the country.  Income For Life Radio has reached retirees and near-retirees in every state – and recently as far as Australia and Romania!

Matt Nelson is recognized and followed for both is experience, candor and ‘common sense’ retirement planning discussions that leave people with a comprehensive retirement income strategy that offers both hope and optimism when it comes to their retirement plans – and peace of mind knowing that Matt and his team at Income For Life are here for them. Listen in as Matt navigates through the complex world of variable annuities and fixed annuities to show you how you can earn an income for life in easy-to-understand terms. Pick a podcast below to start understanding the vast potential of your financial planning.

Contact us to schedule our expert financial planner. If you would like more user-based information, many of our clients have written in to leave a testimonial about Matt Nelson and ILF.

Click on any of the below IFL Radio podcasts to listen in and check in every week for our new shows

Recent Shows


 

IFL Radio – Retirement Survival Of The Fittest

Have you ever wondered whether or not you would “make it” in retirement? You know, whether you had saved enough money… or whether you were carrying too much stock market risk? Are you paying too much for your investments? Do you have the right advisor? These are all pretty common questions that most people tend to ask themselves. Specifically, with the volatility we have seen over the last few months, it’s easy to start wondering.

With uncertainty in the stock market and the economy comes uncertainty with the method in which you have positioned your assets, and that can be a scary emotion to deal with no matter what stage of your retirement you find yourself in. One thing is for certain, today’s economy and today’s retirees have it different than the generation before them. It’s the “survival of the fittest,” and the strong and “well-prepared” can survive. We’ve identified 10 areas that you should focus on if you want to “make it” in retirement!

 


 

IFL Radio – Overcoming Retirement Anxiety and Today’s Most Common Fears

Retirement. It is a frightening word for many. It is definitely a big decision. Can you afford to retire? Are you ready? Thousands of baby boomers are asking the same question every day as they inch towards the next phase of their lives. As with any big decision, there is always fear of making a mistake. When it comes to living in retirement and the possibility of running out of money someday, the fear can be paralyzing. Will the stock market crash at the wrong time? How might the economy affect your retirement paycheck? Should you be worried about Social Security?

Today’s Income For Life Radio podcast, provided exclusively at www.IncomeForLife.org, will discuss these concerns and the common fears that retirees have today – and what you need to do to overcome them. Having anxiety towards your retirement is quite normal, so let’s do something about it and alleviate the stress.

 


 

IFL Radio – Listener Questions, Answered!

Each and every week we receive phone messages and emails from all over the nation with questions from our listeners. We have compiled this growing list over the past few months and we thought it would make the most sense to dedicate an entire show to your questions.

Today, we lay out the common questions you have been asking and give you step by step answers on how you can approach each problem. It’s the “Listener Questions, Answered” show!

 


 

IFL Radio – The 4 Retirement Blunders You Need To Avoid


Retirement is the culmination of a lifelong journey for most. As Americans, we work and save and sacrifice for a long time with hopes that someday we will have amassed a large enough nest egg that we can retire and live off of our assets. Programs like Social Security and company pensions help some, but most of today’s retirees are forced to save through company savings plans. As these plans have grown, so have the common mistakes that retirees and near-retirees make as they make their final preparations.

We have outlined 4 very common and very influential mistakes that you should try to avoid. Do you want your retirement to last? Do you want to stay retired? Following these simple rules could increase your odd tremendously!

Listen in next week to Income For Life Radio as we discuss the 4 Retirement Blunders You Need To Avoid and keep checking for our national podcasts from previous shows on our website at www.IncomeForLife.org.

 


 

IFL Radio – What Do The Current Economic Head-Winds Mean To You

It sure seems like it is easier to find a ‘bear’ than it is to find a ‘bull’ these days. Talk about investors walking around on eggshells lately! Do you really blame them? After all, we are now 6+ years into the current bull stock market run we have all experienced. So, it is only natural for most investors to start ‘waiting’ or ‘anticipating’ when the next major stock market tumble will occur.

For the past 15-20 years, we have been dealing with bubbles – the bubble-burst mentality, so why wouldn’t investors expect it to happen today? At the end of the day, positioning yourself properly to avoid the next market crash might just be easier than you think!


 

IFL Radio – The Top 3 Annuity Buyer Mistakes

There are plenty of misconceptions prevalent on how annuities work and whether or not you should own one. Quite frankly, research shows that there are plenty of benefits to owning an annuity depending on your circumstances. However, due to the misunderstandings that are present and the lack of proper education on the front-side, most retirees and pre-retirees still shun the thought of an annuity from the onset. According to a 2015 study, only 8% of American retirees receive income from a private annuity.

Should this number be larger? For retirees that want security and safety for their retirement income lifestyle, the answer is most likely a resounding yes! So, what should you do? Make sure you understand the annuity on the front side before you write it off completely, and avoid these common annuity buyer mistakes!

 


 

IFL Radio – How Emotions Can Influence Smart Investing

We often talk a lot about proper income planning, and managing tolerance, or even how to choose the right advisor. One area of finance that is sometimes neglected is the idea of how an investor’s individual behaviors and emotions can severely influence their chances at success – specifically in retirement.

Pre-retirees and retirees have been saving money their entire lives with hopes that one day that will have saved enough to retire comfortably and enjoy their golden years. It doesn’t take much to let the emotional ties you have to your own money get in the way of making smart, sound financial decisions.

 


 

IFL Radio – Is America’s Retirement System Failing You?


Does this sound familiar? Thousands of Baby Boomers rushing into retirement each and every day…pensions underfunded all over the country…Americans living longer and pushing the retirement system to it’s threshhold…you get the drift, right?

The American retirement system is under duress and is causing problems for thousands of people. And although we have seen plenty of press and media coverage about the pitfalls of the system, we still haven’t seen much by the way of reform. But, there is an answer for you! You can take control of your own retirement and plan properly.

Does your advisor have the appropriate planning process that will help you develop a plan you can rely on through thick and thin? Today’s show discusses the various issues that could affect you over the next 10,20 or 30 years of retirement – and what you need to do to protect yourself.

 


 

IFL Radio – Investing In the Stock Market In Retirement


So, you’ve retired, huh? Now what? Should you keep all of your money in the stock market? How much risk should you really be taking? Better yet…how much risk can you truly afford to take?

If history has taught us anything about investing in retirement, having too much risk at the wrong time can be completely devastating. Just ask the thousands and thousands of people who lost 20,30 or even 40% of their retirement nest eggs in the 2008 market decline.

If you want to avoid the possibility of this disaster – or the possibility that you will have to re-enter the workforce after you have already retired – then today’s show is for you.

 


 

IFL Radio – Remaining ‘Status Quo’ in Retirement – Good Idea or Bad Idea?

“Status Quo” is a term that is often thrown around for a variety of things. At it’s core definition, it means “the existing condition or state of affairs.” We commonly use it as a phrase to insinuate that we are just ‘going to keep things the same’ or choose not to change how we have always done things.

And while this is fine in terms of which driving route you take to school or church or the daily routine you have when waking up in the morning, you better think twice when you leave the workforce and enter retirement.

Retirees beware: Failing to change your thinking when entering retirement could prove to be a big, big problem. Tune in to today’s podcast as we discuss Remaining ‘Status Quo’ in Retirement – Good Idea or Bad Idea?

 


 

IFL Radio – The CD Buyer’s Guide to Safe or Safer Alternatives

As you already know, CD interest rates are still in the gutter. It has been almost ten years since CD’s were a viable growth option for your money. I know that many have held on in hopes that rates will come back. Unfortunately, if you have a CD that comes due this year or you recently had a CD renew, you know that rates are even worse than they were just a few short years ago. So, if you are looking for an alternative for your CD money, you are in the right spot!

Listen in to Income For Life Radio as we discuss The CD Buyer’s Guide to Safe or Safer Alternatives.

 


 

IFL Radio – MythBusters! The Four Investments Myths That Could Affect You During Retirement


With so many different investment methodologies and investment philosophies out there today, it is important to sort out the good advice from the bad. Many investors might experience ‘decision paralysis’ when presented with all of the different options they have available to them.

The ‘rules of thumb’ are typically a good place to start. However, these same rules could also cause just as much harm as they do good.

Today’s podcast is our own version of the hit TV show ‘MythBusters’ as we de-bunk the top four investment Myths that could affect you during retirement.

 


 

IFL Radio – Underestimating What You Need In Retirement


As thousands of baby boomers rush into the retirement system each and every day, planning for the retirement you hoped for can be a tough task. After all, people have worked a lifetime in most cases to accumulate what they have – and ever before, until now, have they had to attempt to develop a plan that will help them spend some of their savings.

Common questions revolve around whether or not you have saved enough to how long can I make my savings last. While using a retirement calculator may help you determine how to invest your money, it that all you need?

Today’s Income For Life podcast discusses Underestimating What You Need In Retirement, as well as the three planning mistakes that many people tend to overlook when planning for their retirement lifestyle.

 


 

IFL Radio – What To Know About Your Social Security Benefits


One of the most common areas that pre-retirees and retirees have surrounds their Social Security benefits. For most people, they understand that they are entitled to some sort of a benefit, and they are estimating that based on years of receiving a ‘statement of benefits’ from the Social Security Administration.

However, as you know, the program is much more complex. Common questions involve WHEN to take Social Security, how the spousal benefit works, and whether or not a a pension will affect you Social Security check.

Today’s podcast is designed to provide a basic education discussing the most important areas to understand when it comes to Social Security.

 


 

IFL Radio – Can You Retire Early

Most people tend to focus on the big picture when considering whether or not an early retirement is an option, when in reality it’s all of the small risks that they need to make sure they have a handle on. Having a lot of money saved for retirement is all fine and good, but is it going to be enough? Do you have enough to make it last?

Today’s show breaks down the most important things you need to consider before you determine whether or not you have enough to retire early.

 


 

IFL Radio – Comparing Wall Street To Casinos Isn’t Fair – To The Casinos


There are tons of comparisons from all walks of life discussing how Wall Street is ‘just like a casino‘ because you can lose your money just as fast as you win it. If I was a casino owner, I would be FUMING MAD at this comparison because I would never want to be compared in the same sentence as Wall Street.

In the United States of America, it is illegal to operate a betting scheme, except in Nevada, Oregon, Delaware, and Montana – but Wall Street is a completely different game entirely. It is a game that you simply cannot afford to lose – especially in retirement – and the deck is stacked against you. You are playing poker with the top poker players in the WORLD – and you are not going to win at that table.

Today’s show discusses how comparing Wall Street to casinos isn’t fair – to the casinos.

 


 

IFL Radio – Choosing Between a Lump Sum and a Pension

With every passing year, more and more employers are deciding to offer lump-sum buyout offers to eradicate their books from the lengthy list of pensions they are on the hook for. Retirees and near-retirees alike are getting lump-sum offers on a regular basis – but which is right?

Today’s podcast discusses the pros and cons of each strategy to help you determine which is best for you: the Lump Sum or the Pension Plan.

 


 

IFL Radio – Retirement Survival Of The Fittest

Have you ever wondered whether or not you would “make it” in retirement? You know, whether you had saved enough money… or whether you were carrying too much stock market risk? Are you paying too much for your investments? Do you have the right advisor? These are all pretty common questions that most people tend to ask themselves. Specifically, with the volatility we have seen over the last few months, it’s easy to start wondering.

With uncertainty in the stock market and the economy comes uncertainty with the method in which you have positioned your assets, and that can be a scary emotion to deal with no matter what stage of your retirement you find yourself in. One thing is for certain, today’s economy and today’s retirees have it different than the generation before them. It’s the “survival of the fittest,” and the strong and “well-prepared” can survive. We’ve identified 10 areas that you should focus on if you want to “make it” in retirement!

 


 

IFL Radio – The Rise of the Robo-Adviser!


Using a ‘robo-adviser’ is all the rage right now, especially since Charles Schwab recently joined the party marketing the first worldwide “name” to accept this new way of investing as a mainstream option.

What retirees and near-retirees are trying to understand is how these things actually work, what makes them better or worse than traditional options and how to understand whether they should give it a go – but one thing is very clear: You can’t “Robo” retirement.

Take a listen to today’s podcast to learn more about The Rise of the Robo-Adviser!

 


 

IFL Radio – The Correlation Between Gambling and Investing

You have probably heard the phrase “the stock market is just another form of gambling”, and in some instances that is absolutely true. Perhaps it can be deemed more socially acceptable way to gamble, as the amount of participants that use the stock market may outweigh the amount of people who regularly gamble.

At any rate, our goal for this podcast is to help you understand the direct correlations between gambling at a casino and investing money in the market.

 


 

IFl Radio – The Three Phases Of Your Financial Life

There are fundamental differences and changes that every investor must consider as they move along their path towards, and into, retirement. Investing your money properly for each phase can make a huge difference as far as when you might be able to retire.

The three phases is very simple to explain. Take a listen to today’s podcast discussing The Three Phases Of Your Financial Life.

 


 

IFL Radio – Understanding Your 401k Choices

The 401k account has become one of the most popular and most commonly held investment accounts in the country. Over the past 30-40 years, we have seen the number of 401k plans steadily rise – and the number of pension plans steadily fall. Employers are shifting and are now opting to install the less expensive 401k plans.

Today’s podcast is all about warning you that you must have a better understanding of how important your 401k choices are, because the lack of education across all facets of these plans is blatant.

 


 

IFL Radio – How To Avoid Uncle Sam From Becoming Your Biggest Beneficiary

Do you like paying taxes? Well, of course you don’t. That is a silly question. What about your loved ones and your beneficiaries when you pass away? Do you know what kind of tax burden you might bestow upon them when you inevitably pass away?

Unbeknownst to most people is the tax inefficiency that exists in their portfolio. After all, you worked a lifetime to save what you have – don’t you want as much as humanly possible to pass on to those who you love if you don’t get to spend it yourself?

Today’s podcasts discusses a few strategies to help you avoid Uncle Sam from becoming your biggest beneficiary. Take a listen!

 


 

IFL Radio – Annuities: The Good, The Bad and The Fine Print

Today, the #1 fear in retirement is outliving your money, and it makes sense. How do you know if you have saved enough for retirement? The fears are real.

On today’s show, we look at the only financial product out there that can offer the promise of a guaranteed lifetime income stream in retirement – and that is an annuity.

We will uncover the good, the bad and the fine print.

 


 

IFL Radio – How To Choose The Right Investments For You

For the average person, understanding different investments, the choices you have on your plans, the risk each option carries, etc…it’s just flat out confusing! If you have not spent time educating yourself or just simply don’t have the interest to do so, you might not be very optimistic.

Even worse, you may have hired a financial adviser thinking they will help your investments and provide you with more education, only to leave their office more confused than when you went in.

Listen to today’s show titled How To Choose The Right Investments For You to learn more about the common-sense choices people are using today and what each option will offer.


 

IFL Radio – Your Behavior and Why it Matters to Your Money

If you are beginning to prepare for retirement, or you recently retired and you are trying to sort out all the different options you have, you might be feeling a little overwhelmed! After all, making smart financial decisions is pretty hard!

Not only do you have to determine who is the best advisory firm to hire, but then you have to sort through all the recommendations made – and there are HUGE behavioral mistakes that most of us make every day.

On today’s show, we identify several common behavioral mistakes that people often make – and how to avoid them.


 

IFL Radio – The 7 Retirement Income Planning Risks and How to Avoid Them


Proper retirement income planning is difficult, to say the least. Who is right and who is wrong – and what if I mess it up? We understand.

Listen to the podcast to learn about the 7 Retirement Income Planning Risks and How to Avoid Them and call us toll free at 877-284-8929 or visit www.IncomeForLife.org to learn more.


 

IFL Radio – 20 Year History of FIA Plans


In today’s media, we often hear about the new Hybrid Annuity products, or Fixed Index Annuity products, and how they can not only allow a retiree to have peace of mind with their retirement dollars – but also participate in the good years of the markets.

I am a believer that in order to determine where you are going, you need to know where you have been. Looking back into the past can give us great confidence for the future.

With that said, take a listen to the twenty-year history of the FIA products.


 

IFL Radio – The Cost of Waiting

The cost of waiting is defined by the amount of money that could be lost by waiting to make a decision. At Income For Life Radio, we can put a dollar amount to this.

Check it out and listen in. You will be shocked.


 

IFL Radio – An Elementary Math Equation


Proper retirement income planning is necessary to make sure that your Required Income (the ‘I must have every month’ money) is safe and secure – but why do so many insist on making it more confusing than it should be? You decide.

Listen in to learn about The Elementary Math Equation and determine for yourself.


 

IFL Radio – Retirement Survival Of The Fittest

Have you ever wondered whether or not you would “make it” in retirement? You know, whether you had saved enough money… or whether you were carrying too much stock market risk? Are you paying too much for your investments? Do you have the right advisor? These are all pretty common questions that most people tend to ask themselves. Specifically, with the volatility we have seen over the last few months, it’s easy to start wondering.

With uncertainty in the stock market and the economy comes uncertainty with the method in which you have positioned your assets, and that can be a scary emotion to deal with no matter what stage of your retirement you find yourself in. One thing is for certain, today’s economy and today’s retirees have it different than the generation before them. It’s the “survival of the fittest,” and the strong and “well-prepared” can survive. We’ve identified 10 areas that you should focus on if you want to “make it” in retirement!


 

IFL Radio – Occam’s Razor and Retirement Planning

Occam’s Razor is a term from the 1300’s that still applies today, which describes that when two or more ideas are presented to you – the simplest idea should be chosen.

That same idea is how retirement income planning should be, because if you cannot explain it to a six-year-old, you probably do not understand it yourself.

Take a listen and find out how the strategies at Income For Life fit hand-in-hand with Occam’s Razor.


 

IFL Radio – What Happened The Last Time Oil Prices Dropped Like This


Filling up at the gas pump these days sure is nice. Gas is under $2 per gallon in most places and it sure is easier on the wallet – but what happened the last time oil prices dropped this low this quickly?

The signs are all around us and looking back at history can sometimes tell you what is coming up in the future. Listen in to learn more about what happened the last time oil prices dropped like this.


 

IFL Radio – The Retirement Crisis No One Talks About

If you become disabled, you may face huge bills for daily help. And, no, Medicare doesn’t cover it. When you try to gauge the biggest risks to your financial security in retirement, health care costs usually top the list. But there’s even bigger danger that doesn’t get as much attention: long-term care costs.

Listen to our podcast discussing The Retirement Crisis No One Talks About.


 

IFL Radio – The Ultimate Retirement Income Solution

Q: When does an OPINION become a FACT? A: When the opinion can be proven.

Sure, everyone can have an opinion on whatever they want. There is nothing wrong with opinions, as long as they do not distort the facts.

With that said, the #1 fact of retirement income planning is quite simple: Your retirement income MUST be guaranteed for LIFE. It must last as long as you do.

Anything else is just a guess. Listen in to learn more about The Ultimate Retirement Income Solution.


 

IFL Radio – The Obituary of Common Sense

Sometimes, the simple thought of ‘common sense’ gets overlooked in all the media marketing and political correctness ways of today. It is important to sometimes look back and reflect on things that we often say and do.

Today, our old friend by the name of ‘Common Sense’ has passed away – and we read his obituary. You won’t want to miss this…


 

IFL Radio – The Failed Experiment

History has proven that the 401(k) has failed miserably when it comes to providing a nest egg for retirement – for many reasons.

Listen to this podcast to learn more.

 


 

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Contact Us TodayFind Out How We Can Help You STAY Retired!

Retiring is easy, but staying retired is difficult.

We specialize in making sure our clients stay retired.

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Learn why hundreds of people have chosen Income For Life to plan their Retirement and why we are ranked as the Top Rated National® Retirement Planning Firm.

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*Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Annuities are insurance products that may be subject to fees, surrender charges and holding periods which vary by carrier. Annuities are NOT FDIC insured.
**Some fixed index annuities may have a lifetime income guarantee as part of the base policy; others may have riders availablefor additional premium that provide this benefit. By contacting us you may be offered information regarding the purchase of insurance products.
Corporate Office: Income For Life LLC 3310 SW Harrison St. Topeka, KS 66611 (785) 215-8884

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