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In this episode of Coffee With David, David covers everything from Social Security taxes and working in retirement, to healthcare before 65, the 4% rule, and long-term care insurance.

We’ll discuss:

• Is Social Security actually taxable in retirement?

• Can you collect Social Security and still work?

• What do you do for health insurance if you retire before 65?

• Is the 4% rule still a good rule for retirement income?

• Should you buy long-term care insurance?

  
  

Have a question you’d like David to answer in a future episode? REPLY BELOW!

Investment advisory services are offered through Foundations Investment Advisors, LLC (“Foundations”), an SEC registered investment adviser. The content provided is intended for informational and educational purposes only. The views, statements and opinions expressed herein are those of the individual speaker(s) and not necessarily those of Foundations and its affiliates. The information contained herein does not constitute an offer to sell any securities or represent an express or implied opinion or endorsement of any specific investment opportunity, offering or issuer. Comments regarding a particular client’s experience may or may not be the same as another client’s experience and is not an indication that any client or prospective client will experience the same or a higher level of future success or performance. Any discussion of performance or returns is not indicative of future results. Each individual investor’s situation is different, and any ideas provided may not be appropriate for your particular circumstances. Foundations only transacts business in those jurisdictions where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment adviser is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability. No legal or tax advice is provided. Always consult with a professional. All rights reserved.This is not endorsed or affiliated with the Social Security Administration or any U.S. government agency.This is not endorsed or affiliated with any federal Medicare program, nor any U.S. government agency. If applicable, we do not offer every plan available in your area and contacting us will direct you to a licensed insurance agent. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.Gov or 1-800-MEDICARE to get information on all of your options.Any comments regarding safe and secure investments and/or guaranteed income streams refer only to fixed insurance products overseen by state insurance regulators and not any investment advisory products. Rates and guarantees provided by insurance products and annuities are subject to the financial strength of the issuing insurance company; not guaranteed by any bank or the FDIC.Tax loss harvesting is a strategy that may help minimize the amount of current taxes you have to pay on your investments by choosing to sell an investment at a loss. It is only appropriate for certain taxpayers in certain scenarios. Please review your retirement savings, tax and legacy planning strategies with your legal/tax advisor before attempting a tax loss harvesting strategy.

📘 Get your FREE COPY of Resilient Retirement

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You might think retirement planning starts when you’re ready to retire. But by then, some of your best planning opportunities may already be behind you.

In this video, David explains why the 3–5 years before retirement matter and what you can start doing now to put yourself in a better position when retirement arrives.

We’ll discuss:

- Tax planning before retirement

- When to take Social Security

- Planning for healthcare costs

- Adjusting your investment strategy

- Sequence-of-returns risk

- How much risk you can afford

- You don’t need to have retirement completely figured out five years in advance. But giving yourself time to plan can give you more options when retirement arrives.

▶️ Watch next: Why Your Medicare Premium Could Double in Retirement

▶️ Watch next: How Conservative Should You Be In Retirement?

▶️ Watch next: The 3 Best Ways to Generate Retirement Income

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Investment advisory services are offered through Foundations Investment Advisors, LLC (“Foundations”), an SEC registered investment adviser. The content provided is intended for informational and educational purposes only. The views, statements and opinions expressed herein are those of the individual speaker(s) and not necessarily those of Foundations and its affiliates. The information contained herein does not constitute an offer to sell any securities or represent an express or implied opinion or endorsement of any specific investment opportunity, offering or issuer. Comments regarding a particular client’s experience may or may not be the same as another client’s experience and is not an indication that any client or prospective client will experience the same or a higher level of future success or performance. Any discussion of performance or returns is not indicative of future results. Each individual investor’s situation is different, and any ideas provided may not be appropriate for your particular circumstances. Foundations only transacts business in those jurisdictions where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment adviser is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability. No legal or tax advice is provided. Always consult with a professional. All rights reserved.

A Roth conversion may not be suitable for your situation. The primary goal in converting retirement assets into a Roth IRA is to reduce the future tax liability on the distributions you take in retirement, or on the distributions of your beneficiaries. The information provided is to help you determine whether or not a Roth IRA conversion may be appropriate for your particular circumstances. Please review your retirement savings, tax, and estate/legacy planning strategies with your legal/tax advisor to be sure a Roth IRA conversion fits into your planning strategies.

This is not endorsed or affiliated with any federal Medicare program, nor any U.S. government agency. If applicable, we do not offer every plan available in your area and contacting us will direct you to a licensed insurance agent. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.Gov or 1-800-MEDICARE to get information on all of your options.

This is not endorsed or affiliated with the Social Security Administration or any U.S. government agency.

📘 Get your FREE COPY of Resilient Retirement

📩 SUBSCRIBE to our WEEKLY EDUCATIONAL newsletter

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One year it's inflation. The next it's interest rates, tariffs, a recession, or geopolitical conflict. While the headlines change, the feeling is often the same: uncertainty.

In this video, David reminds us why resilient retirement plans are never built around perfect market conditions. Instead of reacting to headlines, fear, or making emotional decisions, he shares a simple framework to help you evaluate your portfolio during down markets.

We'll discuss:
- Why market uncertainty is a normal part of investing
- What history teaches us about market recoveries
- How to evaluate whether your portfolio is taking the right amount of risk
- Why your retirement plan should be built to withstand difficult markets
- Questions to ask before making changes to your investments

The goal isn't to predict every storm. The goal is to build a financial plan strong enough to weather them.
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Investment advisory services are offered through Foundations Investment Advisors, LLC (“Foundations”), an SEC registered investment adviser. The content provided is intended for informational and educational purposes only. The views, statements and opinions expressed herein are those of the individual speaker(s) and not necessarily those of Foundations and its affiliates. The information contained herein does not constitute an offer to sell any securities or represent an express or implied opinion or endorsement of any specific investment opportunity, offering or issuer. Comments regarding a particular client’s experience may or may not be the same as another client’s experience and is not an indication that any client or prospective client will experience the same or a higher level of future success or performance. Any discussion of performance or returns is not indicative of future results. Each individual investor’s situation is different, and any ideas provided may not be appropriate for your particular circumstances. Foundations only transacts business in those jurisdictions where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment adviser is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability. No legal or tax advice is provided. Always consult with a professional.

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