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In this episode of “Your Telecom Retirement,” we delve into the urgent issue of financial scams targeting seniors.

We discuss real-life stories of scams, the technology gap between generations, and how to have difficult conversations about financial safety with older relatives.

Join us as we explore the strategies and tools to protect the financial well-being of your older loved ones.

What You’ll Discover (with time stamps):

🔒 [04:12] The rise of financial scams targeting seniors and how to spot them

👴 [07:35] The challenges of discussing financial safety with older relatives

📱 [11:20] The technology gap and its role in making seniors vulnerable to scams

👥 [16:45] The importance of monitoring bank accounts and other financial assets

🗨️ [21:30] How to have meaningful conversations about financial safety with seniors

Join us in this episode as we navigate the complexities of protecting seniors from financial scams and provide you with the tools to keep your loved ones safe!

EPISODE LINKS
You can download a free digital copy of Dennis’ book “Retirement Built Right – The Essential Guide for Telephone Employees!” here: https://theverizonguy.pages.ontraport.net/ebookoptin

ABOUT THE SHOW
Tap into Dennis O’Keefe’s 30+ years of experience helping telecom employees maximize their company-specific benefits packages for situations including early retirement, buyout offers, career changes and more!

Featuring actionable, practical how-to advice along with stories of REAL telecom employees Dennis has helped navigate through every benefits situation imaginable, each episode of “Your Telecom Retirement” focuses on how to maximize the money you take out of your time working for telecom.

Dennis’ expertise has been featured by Business Insider, The Boston Globe and Yahoo! Finance.

Connect with Dennis on LinkedIn: https://www.linkedin.com/in/dennisokeefe-/

Visit Dennis’ website: https://www.successfulmoney.com/

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In this episode of “Your Telecom Retirement,” we dig into the crucial topic of withdrawing money from your 401k in retirement.

We start by discussing the shift in retirement funding from pensions to social security to 401k plans. We then explore the strategies for withdrawing from a 401k, including the traditional 5% withdrawal rule and the importance of considering your age and portfolio composition.

Join us as we navigate the potential pitfalls and the importance of getting your withdrawal strategy right.

What You’ll Discover:

💼 [00:01] An introduction to the importance of 401k in retirement planning. We shed light on why your 401k is more relevant to your retirement than you might think.

📈 [01:16] The traditional 5% withdrawal rule and its implications. We explore how this strategy works and why it’s not a one-size-fits-all solution.

👵 [01:32] The role of age and portfolio composition in deciding withdrawal rates. We delve into why these factors are crucial in determining how much you should withdraw.

💰 [05:14] The flexibility of withdrawing from a 401k and how to set it up. We discuss how you can customize your withdrawal frequency to match your needs.

📊 [07:30] The importance of considering taxes when withdrawing from a 401k, highlighting why understanding your tax obligations is critical to avoiding a tax surprise.

🔍 [09:20] The significance of getting your withdrawal strategy right. We emphasize why mistakes can have significant consequences and how to avoid them.

Join us in this episode as we navigate the complex world of 401k withdrawals and show you how to make the most of your retirement savings!

EPISODE LINKS
You can download a free digital copy of Dennis’ book “Retirement Built Right – The Essential Guide for Telephone Employees!” here: https://theverizonguy.pages.ontraport.net/ebookoptin

ABOUT THE SHOW
Tap into Dennis O’Keefe’s 30+ years of experience helping telecom employees maximize their company-specific benefits packages for situations including early retirement, buyout offers, career changes and more!

Featuring actionable, practical how-to advice along with stories of REAL telecom employees Dennis has helped navigate through every benefits situation imaginable, each episode of “Your Telecom Retirement” focuses on how to maximize the money you take out of your time working for telecom.

Dennis’ expertise has been featured by Business Insider, The Boston Globe and Yahoo! Finance.

Connect with Dennis on LinkedIn: https://www.linkedin.com/in/dennisokeefe-/

Visit Dennis’ website: https://www.successfulmoney.com/

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In this episode of “Your Telecom Retirement,” we’re covering the complex world of estate planning.

We start our journey by understanding the importance of finding the right attorney who specializes in estate planning and with whom you can build a strong working relationship. We discuss the common pitfalls of estate planning and the importance of being an active participant in the process.

Join us as we navigate through the intricacies of estate planning and provide you with the tools to make informed decisions about your future.

What You’ll Discover (with time stamps):

📜 [05:26] The importance of finding the right attorney for your estate planning needs

🔑 [06:41] The significance of understanding the legal aspects of estate planning

🏥 [09:17] The necessity of having a comprehensive estate plan

📃 [15:08] The value of asking questions and seeking advice even years after the estate planning process

💼 [16:10] The importance of preparing and gathering your data before starting the estate planning process

🏠 [22:42] The role of the attorney in guiding you through the estate planning process
Join us in this episode as we navigate the legal labyrinth of estate planning and provide you with the tools to secure your future!

EPISODE LINKS
You can download a free digital copy of Dennis’ book “Retirement Built Right – The Essential Guide for Telephone Employees!” here: https://theverizonguy.pages.ontraport.net/ebookoptin

ABOUT THE SHOW
Tap into Dennis O’Keefe’s 30+ years of experience helping telecom employees maximize their company-specific benefits packages for situations including early retirement, buyout offers, career changes and more!

Featuring actionable, practical how-to advice along with stories of REAL telecom employees Dennis has helped navigate through every benefits situation imaginable, each episode of “Your Telecom Retirement” focuses on how to maximize the money you take out of your time working for telecom.

Dennis’ expertise has been featured by Business Insider, The Boston Globe and Yahoo! Finance.

Connect with Dennis on LinkedIn: https://www.linkedin.com/in/dennisokeefe-/

Visit Dennis’ website: https://www.successfulmoney.com/

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In this episode of “Your Telecom Retirement,” we dive into the complex world of 401k management.

We kick off our journey by understanding the importance of not overthinking your 401k investments.

We discuss the pitfalls of overtrading and the benefits of dollar cost averaging.

Join us as we explore the potential risks of holding a significant amount of company stock in your 401k and the importance of having an overall investment plan.

What You’ll Discover (time stamp included):

💼 [00:01] An introduction to 401k management and why it’s crucial to your retirement planning.

📈 [01:16] The dangers of overtrading and the statistical fact that more trades often lead to less money.

💰 [01:32] The concept of dollar cost averaging and how it can benefit your long-term investment strategy.

🏢 [05:14] The risks of holding a significant amount of company stock in your 401k.

📝 [07:30] The importance of having an overall investment plan that aligns with your goals and risk tolerance.

Join us in this episode as we navigate the world of 401k management and provide you with tips to make smart retirement investments!

EPISODE LINKS
You can download a free digital copy of Dennis’ book “Retirement Built Right – The Essential Guide for Telephone Employees!” here: https://theverizonguy.pages.ontraport.net/ebookoptin

ABOUT THE SHOW
Tap into Dennis O’Keefe’s 30+ years of experience helping telecom employees maximize their company-specific benefits packages for situations including early retirement, buyout offers, career changes and more!

Featuring actionable, practical how-to advice along with stories of REAL telecom employees Dennis has helped navigate through every benefits situation imaginable, each episode of “Your Telecom Retirement” focuses on how to maximize the money you take out of your time working for telecom.

Dennis’ expertise has been featured by Business Insider, The Boston Globe and Yahoo! Finance.

Connect with Dennis on LinkedIn: https://www.linkedin.com/in/dennisokeefe-/

Visit Dennis’ website: https://www.successfulmoney.com/

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In this episode of “Your Telecom Retirement,” we dive into the often misunderstood world of power of attorney.

We start our exploration by understanding power of attorney and its importance in our lives. We discuss the different types of power of attorney, from the commonly known healthcare proxy to the broader general power of attorney.

Join us as we navigate through the potential pitfalls and the importance of having a durable power of attorney, especially as we age or face health challenges.

What You’ll Discover:

📜 [00:01] An introduction to power of attorney, a critical component of legal representation
🔑 [01:16] The difference between power of attorney during your lifetime and after
🏥 [01:32] The role of a healthcare proxy and its importance
📃 [05:14] The broader form of power of attorney and when you might need it
💼 [07:30] The importance of having a durable power of attorney
🏠 [09:20] Real-life scenarios where power of attorney is crucial

Join us in this episode as we demystify power of attorney and show you how it can be your legal superhero!

You can download a free digital copy of Dennis’ book “Retirement Built Right – The Essential Guide for Telephone Employees!” here: https://theverizonguy.pages.ontraport.net/ebookoptin

ABOUT THE SHOW
Tap into Dennis O’Keefe’s 30+ years of experience helping telecom employees maximize their company-specific benefits packages for situations including early retirement, buyout offers, career changes and more!

Featuring actionable, practical how-to advice along with stories of REAL telecom employees Dennis has helped navigate through every benefits situation imaginable, each episode of “Your Telecom Retirement” focuses on how to maximize the money you take out of your time working for telecom.

Dennis’ expertise has been featured by Business Insider, The Boston Globe and Yahoo! Finance.

Connect with Dennis on LinkedIn: https://www.linkedin.com/in/dennisokeefe-/

Visit Dennis’ website: https://www.successfulmoney.com/

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In this episode of “Your Telecom Retirement,” we explore the world of trusts, specifically revocable living trusts, and their role in estate planning.

We start by debunking common misconceptions about trusts, highlighting their importance for the wealthy and anyone seeking to simplify their estate planning. We also discuss the role of trusts in managing assets and the potential pitfalls of not having one.

What You’ll Discover:

📜 [00:01] An introduction to trusts, the misunderstood tools of estate planning
🔍 [02:15] The truth about living trusts: Are they just will substitutes?
🏦 [03:08] How trusts can simplify the distribution of assets like bank accounts, brokerage accounts, and real estate
👨‍👩‍👧‍👦 [09:28] The relationship between you and your trust during your lifetime
💼 [14:18] The process of dividing and distributing assets through a trust
🏠 [15:05] A personal story about the simplicity of using a trust
💡 [18:26] The benefits of investing in a trust now for the future benefit of your children
🚫 [19:11] What living trusts can’t do: They provide zero Medicaid nursing home protection

Join us in this episode as we demystify trusts and show you how they can be your financial guardians!

You can download a free digital copy of Dennis’ book “Retirement Built Right – The Essential Guide for Telephone Employees!” here: https://theverizonguy.pages.ontraport.net/ebookoptin

ABOUT THE SHOW
Tap into Dennis O’Keefe’s 30+ years of experience helping telecom employees maximize their company-specific benefits packages for situations including early retirement, buyout offers, career changes and more!

Featuring actionable, practical how-to advice along with stories of REAL telecom employees Dennis has helped navigate through every benefits situation imaginable, each episode of “Your Telecom Retirement” focuses on how to maximize the money you take out of your time working for telecom.

Dennis’ expertise has been featured by Business Insider, The Boston Globe and Yahoo! Finance.

Connect with Dennis on LinkedIn: https://www.linkedin.com/in/dennisokeefe-/

Visit Dennis’ website: https://www.successfulmoney.com/

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Do the values of a company factor into your investment decisions?

In the latest episode of “Your Telecom Retirement,” I dive deep into the world of ESG (Environmental, Social, and Governance) investing, a form of investing that considers a company’s impact on the environment, its social responsibility, and its governance practices.

We start by untangling the political implications of ESG investing and emphasize its importance beyond political leanings. We then explore the mechanics of ESG investing, discussing how companies are evaluated based on environmental, social, and governance factors.

From the dilemmas of choosing profits over principles to the complexities of deciding whether to invest in a company like Apple, we cover it all.

What You’ll Discover:

🌍 [00:01] An introduction to ESG investing and its political implications
💼 [01:04] The mechanics of ESG investing: How companies are rated from “green” to “brown”
🍏 [02:19] The complexities of ESG investing: The case of Apple
💰 [05:24] The dilemma of ESG investing: Profits vs. principles
📊 [08:26] The effectiveness of ESG investing: A form of boycott?

Join us in this episode as we unravel the complexities of ESG investing and shed light on its importance in portfolio management!

EPISODE LINKS
You can download a free digital copy of Dennis’ book “Retirement Built Right – The Essential Guide for Telephone Employees!” here: https://theverizonguy.pages.ontraport.net/ebookoptin

ABOUT THE SHOW
Tap into Dennis O’Keefe’s 30+ years of experience helping telecom employees maximize their company-specific benefits packages for situations including early retirement, buyout offers, career changes and more!

Featuring actionable, practical how-to advice along with stories of REAL telecom employees Dennis has helped navigate through every benefits situation imaginable, each episode of “Your Telecom Retirement” focuses on how to maximize the money you take out of your time working for telecom.

Dennis’ expertise has been featured by Business Insider, The Boston Globe and Yahoo! Finance.

Connect with Dennis on LinkedIn: https://www.linkedin.com/in/dennisokeefe-/

Visit Dennis’ website: https://www.successfulmoney.com/

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In this episode of “Your Telecom Retirement,” we dive into the murky waters of financial advising and the potential pitfalls that can endanger your assets.

We start with a real-life story about a local firm fined $2.5 million by the SEC for not properly monitoring one of its brokers. This broker was involved in predatory sales practices, taking advantage of elderly people and nonprofits, charging excessive fees, and making trades just to earn commissions.

Today, retirees have so much information and tools at their disposal for managing their financial security, but many don’t realize the importance of being vigilant and aware.

What You’ll Discover:

📝 [00:01] An introduction to the dark side of financial advising
💲 [01:04] A real-life story of a firm fined for not properly monitoring its Broker
💰 [02:19] The importance of understanding the fees you’re being charged
🔍 [05:24] The value of conducting an SEC broker check
🚩 [08:26] The warning signs of a potentially untrustworthy advisor
🛡️ [15:37] How to protect your financial future

Join us in this episode as we shed light on the potential pitfalls in financial advising and show you how to protect your assets!

EPISODE LINKS
You can download a free digital copy of Dennis’ book “Retirement Built Right – The Essential Guide for Telephone Employees!” here: https://theverizonguy.pages.ontraport.net/ebookoptin

ABOUT THE SHOW
Tap into Dennis O’Keefe’s 30+ years of experience helping telecom employees maximize their company-specific benefits packages for situations including early retirement, buyout offers, career changes and more!

Featuring actionable, practical how-to advice along with stories of REAL telecom employees Dennis has helped navigate through every benefits situation imaginable, each episode of “Your Telecom Retirement” focuses on how to maximize the money you take out of your time working for telecom.

Dennis’ expertise has been featured by Business Insider, The Boston Globe and Yahoo! Finance.

Connect with Dennis on LinkedIn: https://www.linkedin.com/in/dennisokeefe-/

Visit Dennis’ website: https://www.successfulmoney.com/

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In this episode of “Your Telecom Retirement,” we embark on a time-traveling adventure through the world of wills and estate planning.

We begin our journey in the stone halls of 13th-century England with the signing of the Magna Carta. This document established the principle that no one, not even the king, is above the law.

Over the centuries, this principle evolved and led to the concept of personal property rights, which eventually gave rise to wills.

Today, we find ourselves in the living rooms of retirees, where the legacy of this principle still lives on, but wills and their necessity are often misunderstood.

What You’ll Discover:

📜 [00:01] An introduction to wills, the unsung heroes of asset management

🏰 [01:04] Time travel to 1215: the Magna Carta and the birth of property rights

👑 [02:19] How property rights evolved from “the king’s will” to “your will”

📃 [05:24] The art of crafting a will: It’s not as scary as it sounds!

💼 [08:26] Why having a will is like having a map for your assets

🏦 [15:37] What happens to assets that don’t pass through a will: It’s like a game of asset hide and seek

👨‍👩‍👧‍👦 [16:33] The aftermath of not having a will: Spoiler alert, it’s a legal labyrinth

Join us in this episode as we demystify wills and show you how they can be your financial superheroes!

EPISODE LINKS
You can download a free digital copy of Dennis’ book “Retirement Built Right – The Essential Guide for Telephone Employees!” here: https://theverizonguy.pages.ontraport.net/ebookoptin

ABOUT THE SHOW
Tap into Dennis O’Keefe’s 30+ years of experience helping telecom employees maximize their company-specific benefits packages for situations including early retirement, buyout offers, career changes and more!

Featuring actionable, practical how-to advice along with stories of REAL telecom employees Dennis has helped navigate through every benefits situation imaginable, each episode of “Your Telecom Retirement” focuses on how to maximize the money you take out of your time working for telecom.

Dennis’ expertise has been featured by Business Insider, The Boston Globe and Yahoo! Finance.

Connect with Dennis on LinkedIn: https://www.linkedin.com/in/dennisokeefe-/

Visit Dennis’ website: https://www.successfulmoney.com/

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In this episode of “Your Telecom Retirement,” we explore the mantra “do the opposite” as a strategy for retirees to navigate financial crises and recessions. We journey back to the 2008 financial crisis, a time when panic and fear gripped the world.

I share my personal experiences and insights from this tumultuous period, highlighting the importance of staying calm and making rational decisions in the face of market volatility.

Today, we find ourselves in a world where talk of recessions is becoming increasingly common. But should retirees be worried? I argue that often, the more we hear about a recession, the less likely it is to happen.

What You’ll Discover:

📉 [00:01] An introduction to the 2008 financial crisis and its aftermath

🌐 [01:04] The global impact of the crisis and the concept of derivative securities and futures

👥 [02:19] The importance of individual decision-making in times of financial turmoil

🔄 [05:24] The mantra “do the opposite” as a strategy to navigate financial crises and recessions

🏦 [08:26] Pushing back on the Federal Reserve and skepticism about recession predictions

Join us in this episode as we delve into the world of financial crises and recessions, and discover the power of doing the opposite!

EPISODE LINKS
You can download a free digital copy of Dennis’ book “Retirement Built Right – The Essential Guide for Telephone Employees!” here: https://theverizonguy.pages.ontraport.net/ebookoptin

ABOUT THE SHOW
Tap into Dennis O’Keefe’s 30+ years of experience helping telecom employees maximize their company-specific benefits packages for situations including early retirement, buyout offers, career changes and more!

Featuring actionable, practical how-to advice along with stories of REAL telecom employees Dennis has helped navigate through every benefits situation imaginable, each episode of “Your Telecom Retirement” focuses on how to maximize the money you take out of your time working for telecom.

Dennis’ expertise has been featured by Business Insider, The Boston Globe and Yahoo! Finance.

Connect with Dennis on LinkedIn: https://www.linkedin.com/in/dennisokeefe-/

Visit Dennis’ website: https://www.successfulmoney.com/