Wealth Creator Radio

Now that we’ve reached the end of another marathon election cycle, many Americans are wondering what this means for their finances – especially if they’re nearing retirement. Today, certified financial planner of over 30 years Eric Heckman is explaining why taking control of your retirement and financial future is still within reach, even in the uncertainty of the day. In this episode of Wealth Creator Radio, Eric Heckman will break down what the results of this election mean for your finances, and practical steps to secure your retirement for the future.

According to Investopedia, living the American Dream over a lifetime could cost $4.4 million. That doesn’t mean lavish wealth and luxury living, but simply owning a home, having a couple of kids, a new car, and a vacation once a year. So is the American Dream still within reach?     In this episode of Wealth Creator Radio, certified financial planner Eric Heckman is sharing  what it really costs to achieve the American Dream, and his insights to not only get there, but create a lasting legacy for your family. Tune in to learn everything you need for a legacy plan to ensure wealth that lasts for your loved ones!  

With interest rates on the decline, retirement planning has become more complex than ever. Many retirees find themselves facing an uncertain financial landscape. If you want to make sure your money lasts as long as you do, you need to take falling interest rates into account in your retirement income plan.   In this episode of Wealth Creator Radio, certified financial planner Eric Heckman shares how to handle falling interest rates and avoid costly mistakes. Eric shares about the common trap of rolling over your 401K into an IRA, what to do to combat falling interest rates, and tips to create a retirement income plan. If you want to retire with less worry and more wealth, this is a must-listen!  

When it comes to retirement, one of the most common questions is, "How can I ensure my income lasts throughout my retirement?" After all, the last thing you want is to run out of money in the years when you should be enjoying retirement.   Many people debate whether to start their Social Security benefits at 65 or wait until 67 or even 70. While delaying benefits increases the monthly payment, the question becomes: What are you living on in the meantime? If you're tapping into your savings, that money is being spent down and won't be replaced. In this episode of Wealth Creator Radio, certified financial planner Eric Heckman is sharing factors that can cause you to spend down your savings faster than anticipated, common Social Security mistakes, and strategies to ensure your money lasts as long as you do.

A major poll says that Americans today feel like they’re struggling more financially than previous generations, especially when it comes to retirement planning. But is it really true? Are they actually worse off than their parents, or have times simply changed?   In this episode of Wealth Creator Radio, certified financial planner Eric Heckman is looking at the implications of this poll and talking through actionable steps to help you secure your financial future.

As we approach the end of the year, it’s time to take a closer look at changes in Medicare that will affect retirees in 2025. From changing rates to caps on expenses, the Inflation Reduction Act has the potential to impact retirees. Today, we’re looking at these changes and how you can better prepare for retirement.   In this episode of Wealth Creator Radio, veteran financial strategist Eric Heckman shares the details of what’s changing in 2025, how you plan for long-term care and health costs in retirement, and how to budget and create a “fun fund” for your retirement years. Tune in for the best resources on planning for retirement with less worry!  

As we approach retirement and look back on our financial decisions, many of us wish we could have done things differently. Maybe we didn’t save enough for retirement, or we didn’t put away enough money for emergencies. The good news is that it’s never too late to make changes and turn things around – and veteran financial strategist Eric Heckman is giving you your first steps to retiring worry-less.   In this episode of Wealth Creator Radio, Eric discusses the most common financial regrets around retirement and what you can do to get ahead of them. Tune in to hear actionable steps to start saving for retirement now, different income sources in retirement, how to combat market fluctuations, and Eric’s best advice if you’re about to transition into retirement.  

11,000 boomers retire every day right now. That changes a lot of things in the US. What do you need to know about this huge shift. Plus we will go over probate issues and how to avoid them

Annuities have been around for over 2000 years in the form of pensions. Should you get one on your own. We will cover that and more.

When people say, "This isn't your grandpa's retirement!", they aren't kidding! This generation isn't as lucky to be able to rely on generous pensions; With the unreliability of Social Security benefits,  how are you to make your retirement savings last at least as long as you do? Listen to this podcast and get some answers to this crucial question and more!

When you were 20, whether you knew it or not, you were already laying the groundwork toward your financial future later in life. We talk a lot on this show about the stages of retirement, but financial planners say there are 5 financial stages of life. You don't want to miss this podcast!

When it comes to financial matters, everyone behaves quite differently; Some make financial decisions rationally and thoughtfully, while others make their financial decisions emotionally, and it can cost them in the end. Do you know what your financial behaviors are? Do you understand how one wrong financial decision can cost you years of retirement savings? This crucial episode covers why understanding behavioral finance is important and how to make better financial decisions during economic turbulence. You don't want to miss this one. Be sure to forward this podcast to anyone you can think of who could use sound financial advice. Thank you for listening!

Volatility isn't good or bad; It's just reality!  The best way to take advantage of that instability is to plan for it, but do you know where to start? Listen to this crucial, can't-miss episode, with special guest speaker, Tom Siomades-Chief Market Economist of AE Wealth Management,  and learn how to take advantage of the ups AND downs of the market woes. Be sure to share this with your loved ones, as you never know who needs to hear messages like this and when! You could be saving them from some serious financial mistakes. Thanks for listening!

When it comes to high prices, they are anything but funny. That being said, it is fun to take a look back and see what the history of inflation is. Sure, 39¢ bread isn't making a comeback in our lifetimes, but you do need to know how to protect your current standard of living in retirement in the future. This episode will have a bit of fun, and of course a lot of truth about how to make your retirement work for you! Be sure to listen to this episode and learn what "public enemy number one" used to be and probably should be again (and don't forget to share with your loved ones!)!

The number one fear of most retired Americans is running out of money. With proper preparation, you can avoid this and many other risks to your retirement! This episode highlights some of the biggest risks to your retirement and how to address and plan for them. Stop everything and listen to this episode (and don't forget to share with your friends and family, too!).

When it comes to your retirement, there are some big risks..or "potholes" that you want to be sure you plan for. If you don't plan for them, your entire retirement could be derailed! This episode will help you better understand what can pose a risk to your retirement plan and how to avoid it or better yet, how to properly plan for it if it is unavoidable! Cheers to another "can't miss" episode of Wealth Creator Radio!

Several retirement "unknowns" exist, but four in particular are essential to pay attention to. In this special show, we will review the four "unknowns" and more! You do not want to miss this important episode!

Today, we’ve been focusing on legacy planning, but it’s also important to think about those other areas of your retirement finances. I want to invite you to think about where you are right now. I’m going to go through a few questions. As I do that, I want you to take a moment to mentally rate how confident and prepared you are on a scale from one to 10. This won’t take long, and I want you to be honest with yourself because this is your future we’re talking about now. Listen to my podcast and learn how to protect your legacy.