Consider a Roth Conversion Whether the Trump Tax Cuts Are Renewed or Not With Donald Trump winning the election, he’s pledged to extend the tax cuts he helped usher in back in 2017. They are scheduled to sunset at the end of 2025. In this episode of Countdown to Retirement, Gregg MacInnis explains how a Roth Conversion is still the smartest move in…

Plan for the Risks in Retirement So You Can Enjoy the Rewards You may think you have a retirement plan, but does it take into account all the risks that could derail it? In this episode of Countdown to Retirement, Gregg MacInnis offers strategies that can mitigate the most common risks in retirement, including inflation, healthcare costs, market an…

Fantasy Football & Retirement It’s estimated that 30 million Americans enjoy playing fantasy football each year. But some may not realize that managing a fantasy team draws parallels to retirement saving. In this episode of Countdown to Retirement, Gregg MacInnis explains the similarities, including the importance of a good retirement offense and d…

Why Timing of Income is Important When It Comes to Taxes in Retirement NFL rookies are getting sizeable signing bonuses that are taxed heavily without spacing out the payments. That’s just one example of how the timing of various income streams in retirement can make a big difference in the amount of taxes you pay. In this episode of Countdown to R…

Is Your Retirement Prepared for Long-Term Care? It’s estimated about 70% of Americans ages 65 and older will need some type of long-term care during their lifetime. The financial cost can be significant for families, yet most people don’t plan for it, thinking it won’t happen to them. In this episode of Countdown to Retirement, Gregg MacInnis expla…

The latest numbers show that if Congress fails to act, Social Security benefits could face up to a 25% cut in 2035. So, while the government’s Social Security Titanic heads for an iceberg, what can you do to fill a possible big income gap? In this episode of Countdown to Retirement, Gregg MacInnis explains how he can design a plan that can safely s…

Don’t Be a Retirement Worry Wart! There’s plenty going on in the world right now to make us worry. Politics, market volatility, inflation, interest rates and of course, running out of money in retirement. Each “worry” requires a different response. In this episode of Countdown to Retirement, Gregg MacInnis gives examples of solutions he’s implement…

Is the 4% Withdrawal Rule in Retirement Still Relevant? The so-called “4% Rule” on how much to take out of retirement accounts has been around for decades. But does it still hold true in this day and age of inflation, market volatility and life longevity uncertainty? In this episode of Countdown to Retirement, Gregg MacInnis explains how guaranteed…

Taking the Emotion Out of a Retirement Portfolio That’s Invested in the Stock Market Do-it-yourself investing can be rewarding. But sooner or later, it can fall prey to market volatility, speculation and emotion. At GMac Family Financial, Greg MacInnis and his team aim to take out those factors out of the equation and lower your risk. Joining Gregg…

What’s This Thing Called an ‘RMD?’ How Do I Keep More of My Retirement Money? Many who are just starting out in their retirement planning are shocked to discover that – beginning in their 70s – they will have to fork over a portion of their savings in pretax accounts to Uncle Sam. It’s because the government wants its money! In this episode of Coun…

A Social Security Hurricane is Coming – What Can I Do Before Retirement? It’s a safe bet that neither presidential candidate this year will address the ‘Social Security Problem.’ Its trust fund is projected to go dry as early as 2035. If Congress does nothing to fix it, benefits could be slashed up to 25%. In this episode of Countdown to Retirement…

How Do You Create Your Own ‘Personal Pension’ in Retirement? Pensions used to feed retirement incomes with a guaranteed monthly paycheck for life. While many government employees still have pensions, they have nearly vanished for the rest of us. Yet, retirement savers are expressing a desire to replace that check from their jobs. In this episode of…

What’s This About a Social Security Bonus in Retirement? Maybe you’ve noticed ads on some financial websites and magazines asking whether you’ve taken advantage of the $16,728 Social Security “bonus.” Before you suffer the fear of “missing out,” Gregg MacInnis sets the record straight in this episode of Countdown to Retirement. And he offers ways t…

Do You Know Your Retirement Tax Bill? You probably just filed your tax return and feel you can rest easy, right? Maybe not. Did you realize that true tax planning looks at the long-term, not just on an annual basis? On today’s Countdown to Retirement, Gregg MacInnis explains the ramifications of taxes in retirement and talks about tools he has to h…

Can I Take My Retirement Plan for a ‘Test Spin?’ Designing a retirement plan requires a careful analysis of numbers. Among the most important is longevity, figuring out how long you’re expected to live. After that’s reached, how can you “stress test” the plan to ensure you won’t run out of money? On today’s Countdown to Retirement, Gregg MacInnis e…

Can I Take a Mulligan on My Social Security Benefits? You don’t have to be a golfer to know that the word ‘mulligan’ means “do over.” When it comes to claiming Social Security benefits, we’re often told that our first choice on when to take it cements that benefit level for the rest of your life. But as Gregg MacInnis explains on today’s Countdown …

If the Trump Tax Cuts Expire, How Will That Impact Your Retirement? In January 2026, the tax cuts that were put in place by the Tax Cuts and Jobs Act in 2017 will “sunset.” Also called the “Trump Tax Cuts,” Americans will see big changes (for the worse) in tax brackets, standard deductions and estate taxes if Congress doesn’t act. On today’s Countd…

The largest growing group of workers today are those in their 60s and 70s. Why? Because they have to work, not because they want to. On today’s Countdown to Retirement, Gregg MacInnis explains how the difference is achieving financial independence. He spells it out in a multi-strategy approach so that the only reason you must work in retirement is …

Can you really retire now? Or are you listening to naysayers who try to convince you otherwise? On today’s Countdown to Retirement, Gregg MacInnis urges you to seek out a financial professional who can give you straight answers based on facts. And if you encounter obstacles, how to work around them with proven strategies. For more information on GM…

What’s the first step if you made a New Year’s Resolution to make a retirement plan? Most resolutions made at the beginning of the year vanish within weeks. One of the most common is to plan for retirement. On today’s Countdown to Retirement, Gregg MacInnis explains how he can help you keep that resolution beginning with a complimentary meeting. Th…

It’s no secret – if Congress doesn’t act, Social Security benefits could be cut as soon as 2033. That could add up to be a big chunk of money! So, what can you do now? On today’s Countdown to Retirement, Gregg MacInnis explains how he can run a Social Security assessment and devise a strategy to replace that guaranteed income if necessary. For more…

During our working years, we concentrate on saving for retirement. Once we leave the workforce, we’re supposed to enjoy that money. But the fact is many retirees are afraid to spend because they fear they will run out of money, even if that’s not the case. On today’s Countdown to Retirement, Gregg MacInnis talks about how he’s persuaded clients tha…

How much do you really know about the “A” word in retirement? It’s estimated that only 18% of financial advisors introduce annuities to clients as a way to set up guaranteed income in retirement. Why is this so? On today’s Countdown to Retirement, Gregg MacInnis talks about how the word “annuity” is so misunderstood. He explains how the products ha…

We spend our working life saving up for retirement and now it’s here. But have you thought about your legacy after you’re gone? The subject isn’t an easy one. On today’s Countdown to Retirement, Gregg MacInnis offers some helpful tips on not only leaving a will but also making sure that your assets are passed onto loved ones according to your wishe…

Have you left any retirement money on the table? The average person these days has held up to 12 jobs before retiring. That can add up to a lot of retirement and/or pension accounts! Do you remember what you did with the money? It’s estimated there are nearly 30 million lost accounts with more than $1.5 trillion in assets! On today’s Countdown to R…

Many retirees underestimate the impact of taxes on their financial plan. Uncle Sam is out to get his mitts on just about every aspect of income. And if you wait, it could be too late. On today’s Countdown to Retirement with Gregg MacInnis, he explains why you need a trusted advisor to show it’s not what you make, it’s what you keep when it comes to…

So, you’ve finally retired. And after the feeling that ‘every day is now Saturday’ come the realities. You suddenly have a lot more time on your hands, maybe more than you expected. Maybe retirement isn’t everything it’s cracked up to be. On today’s Countdown to Retirement, Gregg MacInnis explains how he helps coach clients as to what they should e…

A new book called, “Retirement Heaven or Hell: Which Will You Choose?” describes the three stages of retirement. The first is fun. The other two, not so much. On today’s episode of Countdown to Retirement with Gregg MacInnis, he talks about what to expect not only in the ‘honeymoon’ stage, but also how to survive the other two stages that often dea…

Long-term care is considered a “gotcha” expense in retirement. Many fail to plan for it when coverage is more affordable. And they often end up paying the price down the road when the expense can drain their savings. On today’s episode of Countdown to Retirement with Gregg MacInnis, he explains the available options that can prevent this from happe…

When you retire, Social Security sends a check. Your pension might send a check. But the checks from your job are no more. However, as Gregg MacInnis explains on today’s Countdown to Retirement podcast, there are ways to develop a guaranteed stream of income that can replace that paycheck, take care of your basic living needs and even provide a “pl…

Did you know that some big tax cuts are set to expire at the end of 2025? If your retirement money is in a tax-deferred account like a traditional 401(k), you could end up owing Uncle Sam big time. On today's Countdown to Retirement podcast, Greg MacInnis talks about ways to mitigate that tax hit. For more information on GMac Family Financial, or t…

When you leave the workforce, the paychecks stop. Now you’re relying on savings to fund your retirement. But as Gregg MacInnis explains on today’s Countdown to Retirement podcast, it doesn’t have to be that way if you devise an income plan that takes care of basic needs and whatever life throws at you. For more information on GMac Family Financial,…

It’s often tough NOT to look at your portfolio when the stock market goes crazy. But as Gregg MacInnis explains on today’s Countdown to Retirement podcast, a periodic review can help assess your risk tolerance for volatility. The result is diversification of your assets, so you don’t have too much stashed in one bucket. For more information on GMac…

It’s not every day that you come across a financial professional who has decades of experience. On today’s Countdown to Retirement with Gregg MacInnis, he offers more on his backstory and what inspired him to go into the industry. Gregg explains how he applies his experience to the table and the responsibility he feels when sitting down with new cl…

Saving up for retirement is one thing. Dealing with the repercussions of taxes is another. On today’s Countdown to Retirement with Gregg MacInnis, he explains how it’s not what you make, it’s what you keep when it comes to taxes. He offers ways to establish a solid tax plan that complements a retirement plan so that you’re not unpleasantly surprise…

You’ve worked hard to save up enough money for retirement. But are you planning to enjoy it once you leave the workforce? On today’s Countdown to Retirement with Gregg MacInnis, he explains why it’s important to establish a solid financial plan. And then, when the time comes, plan to spend it wisely so that you have a fulfilling retirement. For mor…

What is your risk tolerance? Do you know how to figure it out? Gregg MacInnis walks you through the process and explains how it ties to your exposure to the market. For more information on Gmac Family Financial, or to schedule a consultation with Gregg MacInnis call, 972-475-2461 or visit gmacfamilyfinancial.com https://gmacfamilyfinancial.com/ See…

At what age should you take your Social Security benefits? You can select anywhere from 62 to 70. But it's an important decision because in most cases, it's a lifetime decision. Gregg MacInnis of GMac Family Financial explains how he can make the process easier so you can maximize your benefits. For more information on Gmac Family Financial, or to …

Over 90% of financial advisors do not last three years! On today’s, Countdown to Retirement with Gregg MacInnis he explains why his peers seem to leave the financial industry so often. Plus, why has Gmac Family Financial withstood the test of time? Gregg explains his philosophies behind his practice and why he enjoys helping his clients retire. For…

Long term care could take a major bite out of your retirement savings if you’re not prepared and it’s definitely hard to picture needing it when you’re young and healthy. On today’s episode of Countdown to Retirement with Gregg MacInnis, he breaks down the costs of long-term care insurance, what not having a LTC plan could look like, and some other…

If there is a recession, when will it hit and what will it mean? For those nearing retirement these answers are extremely important. On this episode of Countown to Retirement, Gregg covers how the recession could affect pre-retirees, whether you should change your retirement plans or not, and is there a way to strategize around recession layoffs. F…