Retire With Freedom: Featuring Tad Hill & Toni Hill of Freedom Financial Group

Tad Hill

Join us each week for important financial and retirement planning guidance on the Retire With Freedom Podcast with Tad Hill, RFC, CRPC® & Toni Hill, RFC of Freedom Financial Group. Tad and Toni will talk about important topics related to your IRAs, 401(k)s, Social Security, and more. They'll help you understand things like market volatility, risk, annuities, and so much more. Freedom Financial Group helps you manage all the pieces of your retirement plan so you can retire with confidence. If you'd like to contact Tad & Toni, call 205-988-0006 or visit them online at https://www.askfreedomfinancial.com/ to start your conversation today! Investment advisory products and services made available through AE Wealth Management, LLC (AEWM), a Registered Investment Advisor. 1768991- 4/23

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Episodes

From School Days to Retirement Plans with friend Bryant Driggers
May 9 2024
From School Days to Retirement Plans with friend Bryant Driggers
Send us a Text Message.Neither Freedom Financial Group nor AEWM are affiliated with Bryant Driggers or One Brother. One Sister. ONE Mission.In today’s episode, Tad and Toni reconnect with an old friend, Byrant “Breyer” Driggers. Breyer has a story that many in their late fifties and early sixties can relate to, working hard to become debt-free and create a secure future for himself and his family. We’re excited to have him on the show this week to share what’s on his mind as he approaches his retirement years. Throughout this conversation, Breyer will also share his passion for community service. Through his charity, One Brother. One Sister. ONE Mission., he’s been serving the homeless community in Birmingham for the last 30 years. Stay tuned to learn more about the incredible work he and his team are doing and how you can help this mission. Here’s what we discuss in today’s show:Tad and Bryant’s background + how the nickname “Breyer” came to beWhere Breyers is in his retirement planning journeyThe concerns and goals Breyers has for his retirement yearsBreyer’s involvement and passion for community serviceLearn more about One Brother. One Sister. ONE Mission.https://www.facebook.com/staywarmbham/Key Takeaway“As long as you start at some point is better than not starting at all.” Bryant DriggersWe can assist you on your journey to financial freedom:https://www.askfreedomfinancial.com/ 205.988.0006Listen to more content:https://www.askfreedomfinancial.com/in-the-media/#radio
Healing and Hope: Inside The WellHouse with CEO Carolyn Potter
May 2 2024
Healing and Hope: Inside The WellHouse with CEO Carolyn Potter
Send us a Text Message.Neither Freedom Financial Group nor AEWM are affiliated with Carolyn Potter or The WellHouse. We love to feature local charities that we work here on the podcast. So, in today’s episode, we're honored to welcome a very special guest, Carolyn Potter- CEO of The WellHouse. She’s here to give us a look at the inspiring work of this incredible organization, dedicated to the recovery of female survivors of human trafficking, offering them a chance at healing and a hopeful future. We discuss the extensive process of creating a safe haven for these survivors, the importance of community involvement, and the various ways you can contribute to its mission. Whether it's through volunteering, financial support, or simply spreading the word, every action makes a difference in the lives of those affected by human trafficking.Here’s what we discuss in today’s show:How Tad and Toni became involved with various charities, including The WellHouseThe mission of The WellHouse and the services it provides The process and dedication involved in opening a home for young survivors The significance of community support and volunteerismHow to connect with The WellHouse to offer help or donationsLearn more about the WellHousehttps://www.the-wellhouse.org/Key Takeaway“We invest in every area of their lives. Recently, one of our graduates spoke at our board meeting…she said, ‘there wasn't anything that I needed that you all didn't offer and didn't provide for me.’” – Carolyn PotterWe can assist you on your journey to financial freedom:https://www.askfreedomfinancial.com/ 205.988.0006Listen to more content:https://www.askfreedomfinancial.com/in-the-media/#radio
Important Questions To Be Asking In Retirement
Apr 25 2024
Important Questions To Be Asking In Retirement
Send us a Text Message.In this episode, Tad and Toni share a few important questions you need to ask yourself as you prepare for retirement. They discuss common misconceptions about downsizing your home, the realities of retirement expenses, and the importance of having a solid income plan before you step into this new season of life.For example, if you’re thinking about moving into a smaller home in retirement, have you ever considered the actual value of your home and the cost of downsizing? Many people overestimate the amount they'll get from selling their house and underestimate the cost of their new, smaller residence. Many people also assume that they’ll end up spending less in retirement. But, the Hills point out that most people end up spending as much, if not more, than they did while they were working. With more free time and the desire to travel or pursue hobbies, expenses can rack up quickly. This is why a detailed lifestyle analysis is such an important part of the retirement planning process. Here’s what we discuss in today’s show:The myths vs. the reality of downsizing your home for retirementThe misconception that spending will be less in retirementThe importance of a detailed lifestyle analysis in planningListener Question: Is there anything better I could be doing with my emergency fund?Key Takeaway"Most people think ‘I know what we're going to need to spend in retirement.’ And then we go through our lifestyle analysis and we find out that on average, they're off by 30%. "We can assist you on your journey to financial freedom:https://www.askfreedomfinancial.com/ 205.988.0006Listen to more content:https://www.askfreedomfinancial.com/in-the-media/#radio
Creating A Retirement Plan That Works
Mar 28 2024
Creating A Retirement Plan That Works
Send us a Text Message.A retirement plan isn’t something that you create once and put on a shelf to gather dust. You want to make sure it’s working to support your retirement dreams with growth and preservation. Join Tad and Toni as they explore the importance of crafting and adjusting your personalized financial plan.From handling market ups and downs to dealing with unexpected life changes, they highlight the advantages of having a robust plan that not only preserves your money but also aligns with your lifestyle aspirations. They also highlight the benefits of working with a trusted advisor to keep your money working for you and warn against the danger of one-size-fits-all advice. Tune in to learn what it looks like to build a retirement strategy that works for you! Here’s what we discuss in today’s show:Regularly revisiting and adjusting your retirement strategyThoughtful retirement planning that’s tailored to your individual needs and has strategies for growth and preservationUnderstanding the risk level in your portfolio so you can make informed decisionsEnsuring you’re aligned with your goals in the retirement red zoneThe danger of one-size-fits-all adviceKey Takeaway"It’s never too late to get a second opinion. It's never too late to see if you're on the right path."We can assist you on your journey to financial freedom:https://www.askfreedomfinancial.com/ 205.988.0006Listen to more content:https://www.askfreedomfinancial.com/in-the-media/#radio
The Importance of a Written Financial Strategy
Mar 21 2024
The Importance of a Written Financial Strategy
Send us a Text Message.Crafting a written financial plan for retirement is critical, yet shockingly, only 43% of Americans have one. Just like a football coach wouldn't step onto the field without a game plan, your financial future shouldn’t be left to chance without a solid strategy in place. In today's episode, we're focusing on why having a well-crafted financial plan is so essential.One of the biggest challenges retirees face is converting their savings into sustainable income. Far too often, retirees spend their money too quickly or find themselves hesitating to spend their money, fearing they might outlive their savings. Listen in as Tad and Toni talk about the importance of having a clear plan and professional guidance to navigate this chapter with confidence, so you can enjoy your golden years to the fullest.  Here’s what we discuss in today’s show:Establishing a written strategy and revisiting it throughout your planning journeyWhat the Retire with Freedom process looks likeThe transition from a steady paycheck to retirement + sustaining your lifestyleAchieving spending confidence with the help of a financial professionalKey Takeaway“In our experience, the best retirement outcomes tend to be those where the person follows a process.”We can assist you on your journey to financial freedom:https://www.askfreedomfinancial.com/ 205.988.0006Listen to more content:https://www.askfreedomfinancial.com/in-the-media/#radio
Planning for Retirement in the Sandwich Generation
Feb 22 2024
Planning for Retirement in the Sandwich Generation
Send us a Text Message.Navigating retirement planning is no easy feat, and today's middle-aged adults, typically in their 40s and 50s, find themselves in what's known as the "sandwich generation." Juggling the financial support of both elderly parents and their own children, this dual responsibility often slips under the radar when planning for retirement but is very important to consider. In today’s episode, we’ll focus on the common struggles faced by individuals in the sandwich generation, backed by studies from the Pew Research Center and real-life client stories. We unpack just how widespread and often underestimated this financial burden is and shed light on the potential strain it can place on your retirement plan if not addressed proactively. Join us as we chat about the importance of strategically accounting for these complex financial dynamics in your retirement plan.Here’s what we discuss in today’s show:Financial challenges faced by the sandwich generation + findings from the Pew Research CenterThe burden on families dealing with the financial, time, and emotional aspects of supporting multiple generations, especially when planning for retirementAccounting for unexpected challenges and familial responsibilities in your retirement planKey Takeaway"The sandwich generation is what you would think… we've got aging parents that may need a lot of attention, maybe even some financial help. And we’ve still got children that we are helping financially."We can assist you on your journey to financial freedom:https://www.askfreedomfinancial.com/ 205.988.0006Listen to more content:https://www.askfreedomfinancial.com/in-the-media/#radio
Navigating Market Volatility with Confidence
Feb 15 2024
Navigating Market Volatility with Confidence
Send us a Text Message.In today's volatile market environment, having a solid financial strategy is essential. But despite what some financial professionals might try and tell you, this process isn't just about balancing stocks and bonds. Join us in this episode as we talk about the importance of crafting a financial roadmap tailored to your life. We dive into the intricacies of retirement planning, addressing not only investment allocation but also the significance of understanding personal goals, family dynamics, and risk tolerance in financial planning. From assessing savings gaps to navigating the complexities of different investment vehicles like annuities and REITs, we provide insights into creating a comprehensive financial plan that aligns with your unique circumstances and goals. Here what’s we discuss in today’s show:Creating a customized roadmap for your retirement dreams that addresses market volatility, asset allocations, and your lifestyle goalsThe importance of matching investments with your individual needs and risk toleranceThe behavior of different investments, including stocks, bonds, and REITsOur diversified investment approach, tailored to individual needs and risk tolerancesKey Takeaway"If you get upset because your stocks are volatile, that's like getting upset with your dog because it barks."We can assist you on your journey to financial freedom:https://www.askfreedomfinancial.com/ 205.988.0006Listen to more content:https://www.askfreedomfinancial.com/in-the-media/#radio
Navigating the Stock Market Rollercoaster
Feb 8 2024
Navigating the Stock Market Rollercoaster
Send us a Text Message.The stock market can be unpredictable, taking your hard-earned money on quite the thrill ride. In this episode, we explore the challenges many face when navigating the highs and lows of the market and discuss strategies to ensure a smoother ride for your nest egg. Throughout this conversation, we discuss why a good retirement plan goes hand-in-hand with a trusted advisor who understands the intricacies of generating income during retirement. We also highlight some common misconceptions about portfolio yield and talk about the importance of understanding the tools in your financial toolbox.Join us for a great conversation on having a financial plan that prepares you for the long haul. Here's what we discuss in this episode:The danger of getting caught up in short-term fluctuations and making impulsive decisions based on current events, such as electionsThe importance of having a trustworthy advisor and a well-thought-out strategy when navigating market swingsThe need for a comprehensive retirement plan that focuses on generating retirement income + common misconceptions about portfolio yieldEducating clients about their existing investment tools and strategiesKey Takeaway“If you're trying to plan a retirement, you need a retirement planner.” We can assist you on your journey to financial freedom:https://www.askfreedomfinancial.com/ 205.988.0006Listen to more content:https://www.askfreedomfinancial.com/in-the-media/#radio
Rethinking Retirement: Challenging Conventional Wisdom
Jan 25 2024
Rethinking Retirement: Challenging Conventional Wisdom
Send us a Text Message.In today’s episode, we’re going to challenge conventional wisdom surrounding retirement planning. For example, is a mortgage always considered “good” debt for everyone? Or is changing investments when they're not performing well the right solution?Stay tuned as we chat about some of these commonly held beliefs and the importance of having a well-rounded retirement plan. As Tad and Toni share their insights, you’ll gain a deeper understanding of why questioning conventional wisdom is essential for achieving true financial freedom in retirement. Don't miss out on this conversation that might just reshape your perspective on planning for the retirement you dream of!Here’s some of what we discuss in today’s episode:Conventional wisdom suggests that a mortgage is “good debt,” but the decision to carry that debt into retirement should be based on individual circumstances A lack of a comprehensive retirement plan often leads to impulsive decision-making and overspendingTrue relaxation in retirement is challenging without a well-defined plan that considers activities, hobbies, and goalsThe abundance of information available, coupled with the fear of making wrong decisions, often leads to analysis paralysis in retirement planningKey Takeaway“I find that the biggest impediment to people's retirement plans going well is not that they're making bad decisions, but that they're not making decisions.”We can assist you on your journey to financial freedom:https://www.askfreedomfinancial.com/ 205.988.0006Listen to more content:https://www.askfreedomfinancial.com/in-the-media/#radio
“When Can I Retire?”
Jan 18 2024
“When Can I Retire?”
Send us a Text Message.The question ‘When can I retire?’ is one we get quite often. Rather than viewing retirement as a fixed dollar amount or an age milestone, it's a complex question that requires careful analysis. Unfortunately, many investment brokers and media personalities offer generic advice without understanding individual circumstances. But your retirement date cannot be determined by a one-size-fits-all approach. Listen in as we discuss the role of careful planning when it comes to determining your retirement readiness. We’ll also talk about some common fears and misconceptions surrounding various financial tools and the importance of actively participating in your financial planning process with the help of a financial professional.  Here’s some of what we discuss in this episode:The decision to retire involves two key aspects- determining when you can retire and being truly ready for retirement with a well-thought-out planRetirement planning should be highly individualized, taking into account factors such as lifestyle, Social Security, pensions, and investmentsThe importance of diversification and risk management in a well-balanced portfolioEven if one spouse takes the lead in financial matters, both partners should actively participate and have a basic understanding of their financial situationKey Takeaway:“There is no best thing to do that is generalized…it has to be planned individually, or you're not doing the best thing for you.” We can assist you on your journey to financial freedom:https://www.askfreedomfinancial.com/ 205.988.0006Listen to more content:https://www.askfreedomfinancial.com/in-the-media/#radio
The Reality of Retirement Planning Today
Jan 11 2024
The Reality of Retirement Planning Today
Send us a Text Message.In today’s episode, we’re talking about some undeniable retirement planning truths: people are living longer, involuntary retirement is becoming more common, healthcare costs are rising, and the stock market remains unpredictable. Preparing for retirement looks vastly different than it did just a decade ago, and it’s more important than ever to have the right plan in place to navigate whatever uncertainties the future might bring. Listen in as we talk about the difference that a well-structured and comprehensive retirement plan can make in your financial journey. We’ll share some client stories along the way and guide you on taking a more informed and strategic approach to your finances in today’s evolving landscape. Here’s some of what we discuss in this episode:People are living longer, and you need to plan for that Job insecurity and layoffs are becoming increasingly more commonWhy having a secure income plan in today’s world is essentialSeeking professional advice early and not waiting for the “perfect” financial situation to get startedBeing aware of your true risk tolerance and aligning your investments accordinglyKey Takeaway:“You've got to plan like you're gonna die tomorrow and like you're gonna live forever.”We can assist you on your journey to financial freedom:https://www.askfreedomfinancial.com/ 205.988.0006Listen to more content:https://www.askfreedomfinancial.com/in-the-media/#radio
How To Spot a Bad Advisor
Jan 4 2024
How To Spot a Bad Advisor
Send us a Text Message.If you’re in the market for a financial advisor, it’s important to make sure you’re working with the right team. But for those new to the world of financial planning, distinguishing the right advisor from a potentially poor fit can be challenging. In today’s episode, we explore key indicators and red flags to help you navigate this decision and share why a personalized approach in financial planning is so crucial. Remember, if an advisor is only focusing on the positives of a certain strategy without addressing limitations, costs, and risks, you’re likely getting caught in a sales pitch. A good advisor will prioritize transparency- openly discussing the pros and cons of investment choices, explaining their compensation structure, and diligently gathering comprehensive information about your unique situation.Here’s some of what we discuss in this episode:If a financial advisor only brings up the benefits of a certain financial strategy and won’t discuss the risks or drawbacks, consider that a red flagIs your advisor showing you different options for tackling problems?How many questions is your advisor asking about your situation and how much data are they gathering?Many believe they have a solid financial plan, only to find out that they have partial answersKey Takeaway:"The data for retirement planning has to be a lot broader and deeper than just ‘how much risk are you willing to take?’ and ‘how do we want to allocate your assets?’"We can assist you on your journey to financial freedom:https://www.askfreedomfinancial.com/ 205.988.0006Listen to more content:https://www.askfreedomfinancial.com/in-the-media/#radio