Early Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)
Ari Taublieb, CFP®, MBA
Ari Taublieb is a CERTIFIED FINANCIAL PLANNER™ and Vice President of Root Financial Partners. Ari Taublieb, CFP®, MBA specializes in helping people navigate an early retirement. I get it...retirement sounds overwhelming (an early retirement may sound particularly overwhelming)! Does it just feel like there's so much to consider and you just want to make sure you're doing everything you can to set yourself up right? If I may ask...why do YOU want to retire early? Do you want to travel? Have you just had enough of work? Do you want to spend more time with family (or on hobbies you've been putting off)? I created this podcast to help you know when work is now optional because you have a financial strategy that tells you when you can retire. You will learn all the investing tips in this financial podcast to set up the right portfolio for your goals. You may love what you do - and if that's you, great! I'm not saying stop working. But, I am saying, wouldn't it be nice to know when you didn't HAVE to work any more? When you would only go to work because you enjoyed it (crazy concept, I know). This is the ultimate retirement podcast (specifically, early retirement!). Retiring early, also known simply as "financial freedom", is having the ability to do what you care most about, MORE!I don't want you to work unless you ENJOY it (finances aside, for just a moment)! My goal of this podcast is to give you all the tips and strategies so you can retire EARLY. Retirement planning, investing, personal finance, tax strategy, and you'll hear case studies from my clients and exactly how I've helped them navigate the transition into retirement. What are the right investment accounts to have in retirement? I want retirement planning to be simple for you so that you can retire early and maximize your retirement goals. Become a retiree and enjoy everything you've been waiting for your whole life (and start practicing retirement today)! I release new episodes every Monday with all the strategies (you'll learn that I love examples) so you can maximize your return on life (we use money to do this).
Episodes
Mentioned books
Nov 21, 2024 • 25min
This Is The Danger Of Working One More Year: Goalpost Planning
Have you ever told yourself:"I'm going to retire, but just one more year because markets are notdoing well""Once I hit $2M I'll retire, I mean it”"Now soon as my kids graduate I'll retire"Explore the intricacies of retirement income planning with John and Jane, two public school teachers navigating their financial futures. We break down their planning approach, examining the role of pensions, Social Security, and personal savings while addressing the challenges of the windfall elimination provision. Then, follow Ari's journey as he reconsiders his career path, contemplating a sabbatical and re-evaluating his retirement strategies. We discuss how he can tailor his investment portfolio to match his shifting goals and the importance of balancing immediate desires with long-term security. Join us to untangle the complexities of retirement planning and find the path that suits your unique lifestyle vision.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.
Nov 18, 2024 • 19min
5 Reasons You Should Not Buy An Annuity (And When To Surrender One You Have)
Ever wondered if annuities are worth the hype? Let me share a cautionary tale that might change your perspective. My parents found themselves trapped in a conservative annuity with high fees, resulting in significant opportunity costs. We'll uncover the five critical reasons to steer clear of these financial products, from limited growth potential to inflexible terms, and explore the impact of surrendering an annuity on your tax situation. Whether you're contemplating an annuity or already own one, this episode equips you with the knowledge to make smarter financial decisions.Balancing financial logic with personal comfort, we dive into real-life examples that challenge conventional wisdom. Imagine recommending 100% equities to an 83-year-old client because of their diverse income sources and financial security. We’ll discuss why sometimes peace of mind can outweigh potential returns and debate the merits of paying off a mortgage versus investing. Learn when it makes sense to hire a financial advisor and how to align your financial strategies with your unique circumstances and goals. Tune in for insights tailored for both novice and seasoned financial planners looking for a personalized approach to managing wealth.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.
Nov 14, 2024 • 22min
How To Discuss Inheritance With Your Parents (with James)
Discussing inheritance with parents can be tricky, especially when money is a taboo. The hosts share strategies to navigate these sensitive conversations and prioritize emotional aspects while planning for the future. They emphasize initiating estate planning discussions that go beyond legalities, fostering open dialogues across generations. Personal experiences highlight the complexities of family finances, ensuring the focus remains on understanding each other's feelings and wishes for a smoother financial journey.
Nov 11, 2024 • 16min
5 Fun Activities Often Overlooked In Retirement
What if retirement was more than just relaxing and managing your finances? Imagine creating a life filled with purpose and joy that aligns perfectly with your passions and goals. Join me, Ari Taublieb, on the Early Retirement Podcast as we explore how to plan a meaningful retirement. We'll discuss how to balance financial security with personal fulfillment, ensuring that your retirement years are not just financially stable but also deeply satisfying. Tune in to learn about the changes in spending patterns retirees experience and how to plan for them, all while keeping an eye on activities that bring genuine joy.From a retiree mastering the art of barbecuing to others combining reading with exercise, this episode is packed with inspiring stories and practical advice. Discover how challenging tasks and artistic pursuits can make your retirement exciting. Whether you're considering traveling across the U.S., indulging in world travel, or adopting low-impact exercises like swimming, there's something here for everyone. Don't miss this episode, where we'll share heartfelt stories and actionable tips to help you craft a retirement that's not just about the numbers but about truly living your best life.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.
Nov 7, 2024 • 10min
Special Announcement - NEW SHOW!
New show starting November 14th with James Conole!Option 1 - Early Retirement AcademyOption 2 - Email ari@rootfinancialpartners.com "Waitlist"Option 3 - Work With Us HereCreate Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.
Nov 4, 2024 • 18min
How Much Do I Need To Spend $25k/Month In Retirement?
Ever wondered how much you need to spend $25,000 a month in retirement, or how to make sure your savings don’t run dry? This episode of the Early Retirement Podcast tackles these questions head-on, offering a deep dive into retirement budgeting for various spending targets. From $6,000 to $25,000 a month, we cover it all, drawing on listener comments, personal stories, and the infamous cauliflower analogy to explain the intricacies of tax optimization and risk management. Whether you’re aiming to maintain a modest lifestyle or live large in retirement, this episode provides practical advice tailored to different financial goals.We then shift gears to explore the dynamic nature of retirement spending, especially for those planning to spend between $15,000 and $25,000 a month. Learn why assessing your portfolio’s sustainability is crucial and discover the concept of a dynamic withdrawal strategy. We'll introduce you to the "retirement smile," which illustrates how spending changes during the different phases of retirement, and analyze real-life portfolios to highlight the importance of a sustainable withdrawal rate. With an emphasis on flexibility, careful planning, and the benefits of smart tax strategies and charitable giving, this episode equips you with the tools to optimize your retirement funds and achieve financial peace of mind.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.
Oct 28, 2024 • 17min
Run This Test BEFORE You Retire Early (How To Avoid Getting UNLUCKY)
What-if scenarios allow you to retire early with confidence.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.
Oct 21, 2024 • 17min
3 Common Mistakes People Forget When Retiring Early
How can you ensure a secure and organized retirement plan without falling into common financial traps? In this episode, we promise to equip you with essential strategies that will help you avoid costly mistakes and make the most of your retirement savings. We'll discuss the importance of personalized financial planning and share the risks of mindlessly following others' investment moves, even if you're simply relying on your 401k. Listener Steve McCord offers a heartwarming reminder of the value in scrutinizing your financial plans, regardless of your net worth. We'll tackle the intricacies of Roth conversions and the pivotal role of tailored advice in your retirement strategy. Hear a real client story about why blindly filling up tax brackets through Roth conversions might not always be the best move, especially if you have significant assets from a business sale. We also examine the potential downsides of long-term care insurance and propose an alternative: self-funding your future care to ease financial anxiety. Whether you're amassing substantial assets or just beginning to think about retirement, our actionable advice will help you steer clear of common pitfalls and ensure a stress-free retirement.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.
Oct 14, 2024 • 22min
Do You Know How Much You Are Paying Your Advisor?
There are many reasons to work with an advisor and I want to ensure you are getting value for it!Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.
8 snips
Oct 7, 2024 • 12min
Here's How To Pay 0% In Taxes (ZERO Capital Gains)
Learn how tax gain harvesting can save you thousands by minimizing capital gains taxes. Discover the differences between capital gains and ordinary income taxes through practical examples, including selling appreciated stock. Find out how cleverly navigating tax brackets and deductions can lead to paying 0% on capital gains. The discussion also tackles real-life scenarios, like capital gains from selling a house, emphasizing the broader benefits of strategic financial planning. Submit your questions for personalized advice!
