Retirement Investing Videos

Retirement Investing: Grow Your Wealth Securely

Free Financial Education Videos by Dolphin Financial Group

Welcome to our video library dedicated to Investing for retirement. Making your money work for you is crucial for achieving your long-term financial goals. In this playlist, we delve into various investment strategies relevant to retirees and those approaching retirement. We cover topics such as managing sequence risk, generating retirement income, understanding stock market corrections, and exploring different investment vehicles. Whether you’re looking to protect your gains, navigate market volatility, or create a sustainable income stream, our expert-led videos provide valuable insights and practical guidance to help you invest with confidence for a secure retirement. Explore the videos below to enhance your understanding of retirement investing.

Retirement Investing

According to Fidelity, retirement accounts are the highest they have been since 2021. In fact, Gen X has higher balances than the Boomers! This may seem like a great thing, which it is...but watch out! Those approaching retirement with large retirement accounts should watch out for a huge pitfall known as "sequence risk."

Dolphin Financial Radio is a fun and informative podcast on retirement planning issues. This is not financial advice. Please seek professional guidance before implementing these ideas or strategies:
www.dolphinfinancialgroup.com

Investment advisory services offered through Dolphin Wealth Management Inc., a Registered Investment Advisor in the state of Florida. Insurance products and services are offered through Dolphin Insurance Inc., Dolphin Wealth Management Inc, and Dolphin Insurance Inc. are affiliated companies doing business as Dolphin Financial Group.

For more information on this podcast:
https://www.dolphinfinancialgroup.com/financial-talk-radio-clearwater-tampa-florida.php

Retirement Accounts at Highs - BEWARE! 401ks and IRAs may be up in value, there is still a concern.

YouTube Video UExPVlNaajNNLTRTTFNxbFVxaU9DRXNRS0NQMTVKZHo2bS42QzdBMzlBQzQzRjQ0QkQy

People like to know where they stand, particularly when it comes to their bank accounts. Do I have enough to retire? How much money should I have saved by age 55 or 60? These questions are definitely interesting to answer, but do they really provide any value? In this show we talk about what the average retirement savings are at various ages and discuss why this information may not be as useful as you think.

Dolphin Financial Radio is a fun and informative podcast on retirement planning issues. This is not financial advice. Please seek professional guidance before implementing these ideas or strategies: www.dolphinfinancialgroup.com

Investment advisory services offered through Dolphin Wealth Management Inc., a Registered Investment Advisor in the state of Florida. Insurance products and services are offered through Dolphin Insurance Inc., Dolphin Wealth Management Inc, and Dolphin Insurance Inc. are affiliated companies doing business as Dolphin Financial Group.

For more information on this podcast:
https://www.dolphinfinancialgroup.com/financial-talk-radio-clearwater-tampa-florida.php

How much money should you have at age 55? Can you retire at 60? What's the average 401k balance?

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CD rates haven't been this high since almost 20 years ago. Is now the time to lock up these relatively high interest rates? If so, how long should a person lock in a CD rate - 1 year, 2 years, 5 years, 10 years? What about 100 years!? Does the decision change if you are close to or already in retirement?

Dolphin Financial Radio is a fun and informative podcast on retirement planning issues. This is not financial advice. Please seek professional guidance before implementing these ideas or strategies:
www.dolphinfinancialgroup.com

Investment advisory services offered through Dolphin Wealth Management Inc., a Registered Investment Advisor in the state of Florida. Insurance products and services are offered through Dolphin Insurance Inc., Dolphin Wealth Management Inc, and Dolphin Insurance Inc. are affiliated companies doing business as Dolphin Financial Group.

For more information on this podcast:
https://www.dolphinfinancialgroup.com/financial-talk-radio-clearwater-tampa-florida.php

Should you buy a CD now? How long should you lock in a CD rate? 2 years? 5 years? 100 years!?

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The seven keys to creating a solid retirement income plan. Retirement income plans need to be designed strategically in order to prevent failure. You'll learn seven key factors to address when designing a retirement income plan that will withstand the financial stresses and strains of retirement.

#1: Lifetime income: Your income needs to last at least as long as you do. This means that you shouldn’t run out of money.

#2 Costs of Living increases: Your income plan must include an increase due to the costs of living. Your income should increase to match the expected rate of inflation.

#3 Income doesn’t decrease or disappear: It's important to make sure your income doesn’t go down. As an example, if someone is pulling 4% from their portfolio and that portfolio goes down in value over time, the actual dollar amount they are pulling will go down as well.

#4: Maximize various sources of income: Be sure to have multiple sources of income.

#5: Flexibility: When creating an income plan, don’t use up all of your free cash. Make sure that you are prepared for the unexpected major expenses.

#6 Tax efficiency: It is important to factor tax strategies into your income plan. Every dollar that doesn’t go to Uncle Sam is a dollar in your pocket for future retirement income.

#7 Negative Health Events: The cost of a negative health can be extreme. Loss of income due to a stroke or heart attack is something to consider.

Financial advice provided to people in the Tampa, Clearwater Florida area.

Creating Retirement Income - 7 Keys

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Can you take a Required Minimum Distribution, pay the taxes, and convert that amount into an IRA? Does the 5-Year Rule apply to Roth conversions and does a new 5-year period start each time you make a conversion? In this show we answer both of these very common (and misunderstood) questions.

Dolphin Financial Radio is a fun and informative podcast on retirement planning issues. This is not financial advice. Please seek professional guidance before implementing these ideas or strategies:
www.dolphinfinancialgroup.com

Investment advisory services offered through Dolphin Wealth Management Inc., a Registered Investment Advisor in the state of Florida. Insurance products and services are offered through Dolphin Insurance Inc., Dolphin Wealth Management Inc, and Dolphin Insurance Inc. are affiliated companies doing business as Dolphin Financial Group.

For more information on this podcast:
https://www.dolphinfinancialgroup.com/financial-talk-radio-clearwater-tampa-florida.php

Can You Convert an RMD Into a Roth IRA? Do You Have To Wait 5 Years to Touch Your Converted Roth?

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Toward the end of 2024, there has been a lot of talk about an upcoming "Lost Decade" for the US Stock market. This is where the stock market performs relatively poorly for a full ten year period, much like the decade from 2000-2010 in which the S&P 500 index was negative. What strategies should those approaching retirement consider under these circumstances?

Dolphin Financial Radio is a fun and informative podcast on retirement planning issues. This is not financial advice. Please seek professional guidance before implementing these ideas or strategies:
www.dolphinfinancialgroup.com

Investment advisory services offered through Dolphin Wealth Management Inc., a Registered Investment Advisor in the state of Florida. Insurance products and services are offered through Dolphin Insurance Inc., Dolphin Wealth Management Inc, and Dolphin Insurance Inc. are affiliated companies doing business as Dolphin Financial Group.

For more information on this podcast:
https://www.dolphinfinancialgroup.com/financial-talk-radio-clearwater-tampa-florida.php

Upcoming "Lost Decade": How to combat a potentially low returning stock market from 2025-2035

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"Everybody's got a plan until they get punched in the mouth." - Mike Tyson
Part 1 of 3: Market Corrections

In Part One of this three part series, we explore how market crashes are one of the top threats to a successful retirement plan.
This first "punch to the mouth" is perhaps the most widely known and easiest to prevent.
In each part of this series, we will identify the retirement planning threat, provide examples, and offer solutions.
Tune in to learn how to dodge the punches that come your way in retirement.

Dolphin Financial Radio is a fun and informative podcast on retirement planning issues. This is not financial advice. Please seek professional guidance before implementing these ideas or strategies:
www.dolphinfinancialgroup.com

Investment advisory services offered through Dolphin Wealth Management Inc., a Registered Investment Advisor in the state of Florida. Insurance products and services are offered through Dolphin Insurance Inc., Dolphin Wealth Management Inc, and Dolphin Insurance Inc. are affiliated companies doing business as Dolphin Financial Group.

For more information on this podcast:
https://www.dolphinfinancialgroup.com/financial-talk-radio-clearwater-tampa-florida.php

Top 3 Retirement Risk: Market Corrections - How a market crash can destroy retirement plans.

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Many people feel that Presidential elections result in drastic changes in the economy and personal finances. Does this mean you should adjust your major financial plans, such as retirement, based on election outcomes? In this show we talk about the adjustments one might consider during a Presidential election.

Article referenced in this podcast: https://www.investopedia.com/investors-election-year-worries-could-be-overblown-experts-say-8410521

Dolphin Financial Radio is a fun and informative podcast on retirement planning issues. This is not financial advice. Please seek professional guidance before implementing these ideas or strategies:
www.dolphinfinancialgroup.com

Investment advisory services offered through Dolphin Wealth Management Inc., a Registered Investment Advisor in the state of Florida. Insurance products and services are offered through Dolphin Insurance Inc., Dolphin Wealth Management Inc, and Dolphin Insurance Inc. are affiliated companies doing business as Dolphin Financial Group.

For more information on this podcast:
https://www.dolphinfinancialgroup.com/financial-talk-radio-clearwater-tampa-florida.php

Change Your Retirement Plans Since Trump Won?

YouTube Video UExPVlNaajNNLTRTTFNxbFVxaU9DRXNRS0NQMTVKZHo2bS5CNTcxMDQ0NThBNzMxODYz

A high average return doesn't mean your portfolio will succeed.

Sequence Risk is a major risk to retirement income. Sequence Risk can lead to running out of money in retirement. You'll learn how standard withdrawal rates from an investment portfolio can fail due to the sequence, or order of stock market returns.

Think about what happened in 2008 when many retirees lost 20%, 30%, or even more in their portfolio in one year. Did their need to draw from those portfolios go away? Probably not. So, they pulled money out of the portfolio when it was way at the bottom. You can see how that makes it exponentially more difficult to recover to the higher portfolio balance.

Dolphin Financial Radio is a fun and informative podcast on retirement planning issues. This is not financial advice. Please seek professional guidance before implementing these ideas or strategies:
www.dolphinfinancialgroup.com

Investment advisory services offered through Dolphin Wealth Management Inc., a Registered Investment Advisor in the state of Florida. Insurance products and services are offered through Dolphin Insurance Inc., Dolphin Wealth Management Inc, and Dolphin Insurance Inc. are affiliated companies doing business as Dolphin Financial Group.

For more information on this podcast:
https://www.dolphinfinancialgroup.com/financial-talk-radio-clearwater-tampa-florida.php

Sequence Risk & Retirement Income: How bad market performance early can destroy retirement plans.

YouTube Video UExPVlNaajNNLTRTTFNxbFVxaU9DRXNRS0NQMTVKZHo2bS41MzJCQjBCNDIyRkJDN0VD

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Financial Video Playlists:

Housing & Real Estate

Retirement Income

Social Security

Fun Financial Miscellany

Tax Planning

Retirement Lifestyle Strategies

Annuities

Life Insurance

Health Insurance

Investing

Long-Term Care & Longevity Planning

Retirement Podcast - Dolphin Financial Radio

Estate Planning & Protection

Retirement Planning

Investing for a Secure and Growing Retirement

Managing Risk and Generating Retirement Income

As you’ve seen in these videos, successful retirement investing involves carefully managing risk and developing strategies to generate reliable income. We’ve explored the dangers of sequence risk, the importance of creating diverse income streams, and how to navigate stock market corrections and rebounds. Understanding your risk tolerance and aligning your investment portfolio accordingly is essential for long-term success.

Understanding Market Dynamics and Investment Options

We’ve also delved into various investment options, including stocks, bonds, and even newer asset classes like cryptocurrency. We’ve discussed the potential pitfalls of trying to time the market, the impact of economic factors like low interest rates and inflation, and the importance of understanding different investment products like target-date funds and buffered notes. Recognizing these market dynamics and the pros and cons of different investment choices is crucial for making informed decisions.

Invest Wisely for Your Future with Dolphin Financial Group

Investing is a cornerstone of a secure retirement plan. If you have specific questions about your investment portfolio, need guidance on managing risk in retirement, or want to explore strategies for generating income and growing your wealth, we encourage you to schedule a complimentary consultation. Our experienced advisors can help you develop an investment strategy tailored to your individual goals and risk tolerance, ensuring a more confident and prosperous retirement.