Videos

In this video, Ty Bernicke, CFP®, President & CEO, challenges traditional retirement planning assumptions and discusses why many people may be able to retire earlier than they think. He explores the concept of changing spending patterns throughout retirement and how this could impact retirement planning strategies.

???? Schedule a quick 15-minute call with one of our financial advisors to discuss your most pressing questions related to retirement: https://bit.ly/4dJwIzY

✅ Access Our Free Financial Planning Resources (Guides/Checklists/Articles): https://bit.ly/4dKogAr

✅ Resources Mentioned
https://www.bernicke.com/education/why-you-may-be-able-to-retire-earlier-than-you-think/
https://robberger.com/wp-content/uploads/2024/02/RealityRetirementPlanning.pdf
https://www.bls.gov/news.release/cesan.nr0.htm
https://www.nber.org/papers/w30460

???? Chapters
00:00 - Introduction
00:14 - The Flaw in Traditional Retirement Planning
00:45 - Spending Trends in Retirement
01:33 - Insights from Consumer Expenditure Surveys
02:20 - Implications for Early Retirement Planning

➡️ About Ty Bernicke, CFP®, President & CEO
Ty Bernicke is the President and CEO of Bernicke Wealth Management. His research on investment management, retirement planning, and tax minimization strategies has been published or recognized by The Wall Street Journal, The Chicago Tribune, Futures Magazine, and many other well-known national news organizations.

Ty has been recognized as a Best-in-State Wealth Advisor in the state of Wisconsin by Forbes for seven consecutive years. Ty is also a current member of the Forbes Finance Council. This council is an invitation-only organization comprised of senior-level executives in the financial services industry who provide written content on financial topics for Forbes. https://bit.ly/4ezQm0l

???? Stay Connected With Us:
Subscribe to our YouTube channel: https://www.youtube.com/@bernicke
Connect on LinkedIn: https://www.linkedin.com/company/bernicke-wealth-management/
Find us on Facebook: https://www.facebook.com/BernickeWealthManagement/

#wealthmanagement #retirementplanning #financialplanning #financialadvisor #investmentmanagement #retirement

DISCLAIMER: The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly. The economic forecasts set forth in this material may not develop.

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In this video, Ty Bernicke, CFP®, President & CEO, discusses smart retirement income strategies, focusing on tax minimization, investment bucket allocation, and the importance of flexible financial planning. Ty shares how to optimize your retirement income while enjoying your money wisely.

???? Schedule a quick 15-minute call with one of our financial advisors to discuss your most pressing questions related to retirement: https://bit.ly/4dJwIzY

✅ Access Our Free Financial Planning Resources (Guides/Checklists/Articles): https://bit.ly/4dKogAr

✅ Resources Mentioned
www.irs.gov/taxtopics/tc409

???? Chapters
00:00 - How to Take Income in Retirement the Smart Way
00:38 - Investment Bucket Explanation
02:23 - Retirement Income Sources
04:17 - Monthly Income Benefits
05:25 - Tax Payment Methods
07:03 - Enjoying Your Money in Retirement

➡️ About Ty Bernicke, CFP®, President & CEO
Ty Bernicke is the President and CEO of Bernicke Wealth Management. His research on investment management, retirement planning, and tax minimization strategies has been published or recognized by The Wall Street Journal, The Chicago Tribune, Futures Magazine, and many other well-known national news organizations.

Ty has been recognized as a Best-in-State Wealth Advisor in the state of Wisconsin by Forbes for seven consecutive years. Ty is also a current member of the Forbes Finance Council. This council is an invitation-only organization comprised of senior-level executives in the financial services industry who provide written content on financial topics for Forbes.
https://bit.ly/4ezQm0l

???? Stay Connected With Us:
Subscribe to our YouTube channel: https://www.youtube.com/@bernicke
Connect on LinkedIn: https://www.linkedin.com/company/bernicke-wealth-management/
Find us on Facebook: https://www.facebook.com/BernickeWealthManagement/

#wealthmanagement #retirementplanning #financialplanning #financialadvisor #investmentmanagement #retirement
DISCLAIMER: The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly. The economic forecasts set forth in this material may not develop.

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In this video, Ty Bernicke, CFP®, President & CEO, discusses effective tax minimization strategies for retirement, emphasizing the importance of understanding different income sources and investment types. Learn how to optimize your tax buckets—tax-deferred, tax-free, and non-qualified—to maximize your retirement savings and minimize tax liabilities.

???? Schedule a quick 15-minute call with one of our financial advisors to discuss your most pressing questions related to retirement: https://bit.ly/4dJwIzY

✅ Access Our Free Financial Planning Resources (Guides/Checklists/Articles): https://bit.ly/4dKogAr

✅ Resources Mentioned
https://www.irs.gov/taxtopics/tc409

???? Chapters
0:00 - Introduction
0:29 - Understanding Income Sources
0:56 - The Tax Deferred Bucket
2:01 - The Tax-Free Bucket
3:15 - The Non-Qualified Bucket
4:34 - Understanding Tax Cost Ratios
6:05 - Strategies for Lowering Tax Cost Ratios
6:59 - Investment Placement for Growth
8:01 - Illustrative Example of Investment Strategy
9:43 - Adjusting Asset Allocations
11:12 - The Impact of Location Optimization
11:42 - Conclusion

➡️ About Ty Bernicke, CFP®, President & CEO
Ty Bernicke is the President and CEO of Bernicke Wealth Management. His research on investment management, retirement planning, and tax minimization strategies has been published or recognized by The Wall Street Journal, The Chicago Tribune, Futures Magazine, and many other well-known national news organizations.

Ty has been recognized as a Best-in-State Wealth Advisor in the state of Wisconsin by Forbes for seven consecutive years. Ty is also a current member of the Forbes Finance Council. This council is an invitation-only organization comprised of senior-level executives in the financial services industry who provide written content on financial topics for Forbes. https://bit.ly/4ezQm0l

???? Stay Connected With Us:
Subscribe to our YouTube channel: https://www.youtube.com/@bernicke
Connect on LinkedIn: https://www.linkedin.com/company/bernicke-wealth-management/
Find us on Facebook: https://www.facebook.com/BernickeWealthManagement/

#wealthmanagement #retirementplanning #financialplanning #financialadvisor #investmentmanagement #retirement

DISCLAIMER: The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly. The economic forecasts set forth in this material may not develop.

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In this video, Ty Bernicke, CFP®, President & CEO, discusses the factors to consider when deciding whether to claim Social Security benefits early or delay them. Discover the pros and cons of different Social Security claiming strategies and how they can affect your retirement income.

???? Schedule a quick 15-minute call with one of our financial advisors to discuss your most pressing questions related to retirement: https://bit.ly/4dJwIzY

✅ Access Our Free Financial Planning Resources (Guides/Checklists/Articles): https://bit.ly/4dKogAr

✅ Resources Mentioned
https://www.ssa.gov/cgi-bin/longevity.cgi
https://www.onefpa.org/journal/Pages/When%20to%20Start%20Collecting%20Social%20Security%20Benefits%20A%20Break-Even%20Analysis.aspx

???? Chapters
00:00 - Introduction to Social Security Benefits
00:18 - Understanding the Break-Even Age
01:15 - Insights from Doug Clemons' Research
02:28 - Factors Influencing Your Claiming Decision
05:08 - Conclusion and Invitation for Questions

➡️ About Ty Bernicke, CFP®, President & CEO
Ty Bernicke is the President and CEO of Bernicke Wealth Management. His research on investment management, retirement planning, and tax minimization strategies has been published or recognized by The Wall Street Journal, The Chicago Tribune, Futures Magazine, and many other well-known national news organizations.

Ty has been recognized as a Best-in-State Wealth Advisor in the state of Wisconsin by Forbes for seven consecutive years. Ty is also a current member of the Forbes Finance Council. This council is an invitation-only organization comprised of senior-level executives in the financial services industry who provide written content on financial topics for Forbes. https://bit.ly/4ezQm0l

???? Stay Connected With Us:
Subscribe to our YouTube channel: https://www.youtube.com/@bernicke
Connect on LinkedIn: https://www.linkedin.com/company/bernicke-wealth-management/
Find us on Facebook: https://www.facebook.com/BernickeWealthManagement/

#wealthmanagement #retirementplanning #financialplanning #financialadvisor #investmentmanagement #retirement #socialsecurity

DISCLAIMER: The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly. The economic forecasts set forth in this material may not develop.

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Are you trying to decide when to take your Social Security? In this video, Ty Bernicke, CFP®, President & CEO, discusses seven key factors to consider when deciding whether delaying your Social Security income might be a good choice for you!

We'll cover:
• Understanding the Breakeven Age: What it is and why it's important for your decision-making process.
• Income Limits Before Full Retirement Age: How exceeding $23,400 in earnings can affect your benefits.
• Social Security's Future: Points to consider regarding the Social Security Trust Fund and potential benefit adjustments.
• Affordable Care Act (ACA) Tax Credits: How taking Social Security early can affect your health insurance costs.
• Life Expectancy: Why your health and family history are important factors, especially for married couples.
• Maximizing Spousal Benefits: How delaying may help ensure a higher benefit for your spouse.

???? Schedule a quick 15-minute call with one of our financial advisors to discuss your most pressing questions related to retirement: https://bit.ly/4dJwIzY

✅ Access Our Free Financial Planning Resources (Guides/Checklists/Articles):
https://bit.ly/4dKogAr

✅ Resources Mentioned
https://www.financialplanningassociation.org/article/journal/JAN12-when-start-collecting-social-security-benefits-break-even-analysis
https://www.financial-planning.com/news/cbo-projects-social-security-trust-fund-depletion-in-2031

???? Chapters
00:00 - Understanding the Breakeven Age
02:13 – Income Limits Before Full Retirement Age
03:00 – Social Security’s Future
03:55 – Affordable Care Act (ACA) Tax Credits
05:30 – Life Expectancy
06:01 – Maximizing Spousal Benefits

➡️ About Ty Bernicke, CFP®, President & CEO
Ty Bernicke is the President and CEO of Bernicke Wealth Management. His research on investment management, retirement planning, and tax minimization strategies has been published or recognized by The Wall Street Journal, The Chicago Tribune, Futures Magazine, and many other well-known national news organizations.

Ty has been recognized as a Best-in-State Wealth Advisor in the state of Wisconsin by Forbes for seven consecutive years. Ty is also a current member of the Forbes Finance Council. This council is an invitation-only organization comprised of senior-level executives in the financial services industry who provide written content on financial topics for Forbes. https://bit.ly/4ezQm0l

???? Stay Connected With Us:
Subscribe to our YouTube channel: https://www.youtube.com/@bernicke
Connect on LinkedIn: https://www.linkedin.com/company/bernicke-wealth-management/
Find us on Facebook: https://www.facebook.com/BernickeWealthManagement/

#wealthmanagement #retirementplanning #financialplanning #financialadvisor #investmentmanagement #retirement

DISCLAIMER: The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly. The economic forecasts set forth in this material may not develop.

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