The Retirement Fix: Less Stress, More Success
The Retirement Fix is a monthly podcast for people seeking answers and security in retirement by CERTIFIED FINANCIAL PLANNER™ John Gigliello of the Albany Financial Group, based in Albany, NY. Throughout his 30+ years of experience in taxation, finance and academia, John takes an educational approach to address the most pressing pain-points experienced by his clients and others such as proactive tax management, retirement living & income planning, social security timing, investment management, asset protection and more.
Securities are offered through LPL Financial, member SIPC (www.SIPC.org). Investment advice is offered through Private Advisor Group, a registered investment advisor. Private Advisor Group ad Albany Financial Group are separate entities from LPL Financial. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly. The economic forecasts set forth in this material may not develop as predicted and there can be no guarantee that strategies promoted will be successful. This is a hypothetical example and is not representative of any specific situation. Your results will vary. The hypothetical rates of return used do not reflect the deduction of fees and charges inherent to investing.
Episodes
36 episodes
Year-End Tax Planning for Retirees: When More is Less
When it comes to paying taxes, many people think that owing as little as possible come April means they’ve beaten Uncle Sam.Well, it’s true they may have won the battle, but with that kind of shortsighted thinking, they may not win the w...
Fighting Elder Fraud: 10 Tips to Protect Your Nest Egg
Last year Americans lost more than $16 Billion dollars to scams. That’s Billion with a B. While many of us believe we are savvy enough to spot a scam, the scammers are often one – or sometimes 2 or 3 – steps ahead.Anyone can become the v...
Preserving Your Life Savings: Do You Need an Asset Protection Trust?
Do you need an Asset Protection Trust? If you're not sure, this episode is for you.These are questions I get all the time from clients: Will I lose my home and everything I've worked for if my spouse or I need fulltime n...
Retirement Income under the OBBA: 9 Key Provisions Explained
Are you confused about the recently-passed One Big Beautiful Bill Act (OBBA) and what it means for you? You’re not alone. There is a lot to digest in the almost 900-page bill that was signed into law on July 4th. Of greatest concern...
8 Steps to a Better Retirement: Don't Let Uncertainty Lead to Anxiety
So, you’re looking to retire in the next 5, maybe 10 years, dreaming of life after work - whether that be swimming at the beaches of Florida or hiking in the mountains of New Hampshire, caring for grandchildren, traveling the world or gardening...
4 Reasons Your Estate Should NOT Inherit Your IRA
Is the financial legacy you leave behind entirely in your control? The answer to that question may be shocking. For now, let’s just say “It can be, but only with careful planning and guidance.”Let’s set the scene: You’ve work...
Avoiding the Medicare Surcharge Trap: 5 Strategies for Retirees
Did your Medicare premium suddenly skyrocket? If you think you are paying more than you should, listen up, you may have recourse. But you need to act quickly.Welcome to The Retirement Fix, a podcast for less stress and mo...
Turning Volatility into Opportunity: 7 Strategies to take advantage of a market downturn
If you've been watching the financial markets lately, you know that volatility is the name of the game. Prices rise, they fall, and it can feel like you’re riding a rollercoaster at times. But here’s the good news: Volatility doesn’t always hav...
6 Retirement Tax Torpedoes to Avoid
Do you know how much are you paying in income taxes nowadays? if you’re like most retirees, you might be paying more than you need to—and the frustrating part? The IRS isn’t going to tell you how to lower your tax bill!But that’s w...
From Paycheck to 1040: Understanding Your Income Tax
As Benjamin Franklin said - there are only two certainties in life, and today, I’m not here to talk about death.If you’re like most people I know, you’re probably frustrated with our tax system. Whether you feel that your taxes are...
The 2025 Tax Changes that Could Save You Money
Before you file your tax return, listen up! A few important changes this year could put money back in your pocket. Be sure you’re not missing out and tune in as we break down the key updates to the 2025 tax code. Spoiler alert: Not all of the c...
4 Keys to Maintaining Wealth: Tax Planning for High Net Worth Families
Tax planning is an essential tool in managing finances, especially for the wealthy. If you are a high-net-worth retiree, looking to maintain the substantial wealth you have accumulated over your lifetime, this podcast e...
Paying the Price: Are Parent Plus Loans a Smart Choice?
For the 2023-2024 academic year, the average cost of college, per year, came to $11,260 for public colleges, if the student lives in-state, and $41,543 for a private university, according to college data.com. When you factor in room an...
The Fuss about Fiduciaries: Five Foundations, and a Few Red Flags
The word Fiduciary has become a buzzword in the financial industry over the last few years, but what does it really mean?An investment fiduciary is a person, or entity, that has a legal and ethical responsibility to act in the best inter...
Are you losing millions? Don't make this rollover mistake!
Investors are missing out on billions of dollars when they switch jobs. The reason is that many end up pulling their retirement savings out of the stock market—often without meaning to.This was the subject of a recent Wall St...
High-Yield Savings: How to take advantage of interest rates
For more than a decade, savings accounts offered little to no interest, making it near impossible to keep up with inflation. But in recent years, the tides have turned, if you know where to look.If you have extra cash on hand and want to...
Taking the Crypto out of Cryptocurrency: What you need to know about bitcoin
If someone told you about an investment that has made some people millionaires overnight and has both a number of high-profile supporters and a global reach, would you be tempted to invest? If you were then told that the same investment also co...
Umbrella Insurance: When accidents happen, be prepared.
Accidents happen. They just do. Your foot slips and you press the gas pedal when you meant to brake. Your child hits a line drive through a neighbor’s window during baseball practice.Your dog panics and bites a st...
5 Essential Estate Plan Documents you shouldn't live without
Picture this: Your wife or partner and you are driving along one day, rushing about to tackle the numerous errands you have planned for the busy morning. Back home, your two daughters are working to finalize their plans for a birthd...
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5 Common Medicare Mistakes
The choices for Medicare coverage can be overwhelming and mistakes people make when choosing Medicare options can be costly for a lifetime. In this episode, CERTIFIED FINANCIAL PLANNER™ John Gigliello talks with local industry expert C...
Rising Interest Rates: How to Take Advantage While They Last
Interest rates have never looked better for savers. But you shouldn’t put all your eggs in one basket, or in this case, CD.With the Federal Reserve’s recent quarter percentage point rate hike, interest rates have reached a new high. At 5...
Reasons to Stay Invested, Even in a Tricky Market
Making economic forecasts and stock market predictions can be humbling. It’s especially tough when you expect stocks to go higher and get a big drop instead. The environment today is the opposite, but still tricky, as recession hasn’t followed ...
Inheriting a House: A blessing or a curse?
Inheriting a house can be a blessing. OR a curse. The difference is in the PLANNING as there will be tough emotional and financial decisions to make when the time comes.Hi, I’m John Gigliello, Certified Financial Planner with the Albany ...
SECURE Act 2.0: How changes in retirement laws will affect you.
The Setting Every Community Up for Retirement Enhancement Act of 2019, popularly known as the SECURE Act, was signed into law in late 2019.Now called SECURE Act 1.0, it included provisions that raised the requirement for mandatory distri...
Adjustable Rate Mortgages: Can you really save money?
Record high home prices and escalating mortgage rates are combining forces to put home ownership out of reach for some Americans.In fact, May of this year was the most expensive month since 2006 to buy a home, according to the National A...