In this listener Q&A episode, Mark answers some of the questions that keep people up at night, from long-term healthcare without the monthly drain to how much to actually have in your emergency fund. We walk through strategies like Roth conversions, qualified charitable distributions, and alternative ways to cover long-term care costs, all with the goal of keeping more money in your pocket and building a retirement plan that works for your life.

Here’s some of what we discuss in this episode:

📉 How to shrink your future RMD tax bill

💸 Emergency fund strategy: 3 months, 6 months, or more?

🛡️ Smarter alternatives to traditional long-term care insurance

🔍 Why your unique situation drives your financial strategy

🧭 Planning retirement with purpose and vision

Want to get in touch with Mark?

https://retirementhuddle.com/
mark@howardfinancialgroup.com
888-511-7526

For many, the dream of retiring before the traditional age of 65 is appealing, but it comes with its own set of challenges and considerations. In this episode, Mark explores the nuanced challenges of early retirement, from financial preparedness to managing longevity risk and the often-overlooked emotional aspects of leaving the workforce.

Here’s some of what we discuss in this episode:

🏥 Healthcare before 65 is one of the biggest planning hurdles

📉 Sequence of returns risk can derail early retirees without proper planning

🎯 Retiring is one thing—staying retired with purpose is another

🔥 The F.I.R.E. strategy: How some retire in their 40s (frugal lifestyle and eating a lot of rice and beans)

Want to get in touch with Mark?

https://retirementhuddle.com/
mark@howardfinancialgroup.com
888-511-7526

Monopoly, Battleship, Risk, and even Candyland. All of these are board games that you may have played with your family or friends at some point or another. But did you know they also hold valuable lessons for your financial life?

From avoiding emotional attachment to your investments to managing risk, these games can teach us a lot about making smart money moves. Tune in as Mark connects the dots between your favorite board games and a winning financial strategy!

Here’s some of what we discuss in this episode:

📊 Not getting too attached to any one fund or stock in your portfolio.

📅Why comprehensive retirement planning is critical.

🤦️Avoiding the overconfidence that can lead to poor decision-making.

📉 Managing risk in your portfolio.

Want to get in touch with Mark?

https://retirementhuddle.com/
mark@howardfinancialgroup.com
888-511-7526