Entries by Josh Scandlen

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Podcast Episode 7 – Take The Retirement Readiness Quiz

Take the Retirement Readiness Quiz here: heritagewealthplanning.com/retirement-readiness-quiz/ The 3 questions you need to answer BEFORE you hang up your work boots: 1. How much income will you need in retirement? 2. How much is your Primary Insurance Amount? 3. Subtract 2 from 1 and divide by .04. Is your liquid net worth larger than that number? […]


Podcast Episode 6 – Why You NEED To Understand Social Security Nomenclature

AIME, PIA, FRA, DECs… WHAT THE???? Unfortunately, these are the acronyms used regularly in regards to YOUR Social Security benefits. You really need to understand how these topics work together because many retirees rely heavily on Social Security. In fact, there are studies done that shows Social Security provides MOST of the income for retirees! […]

Podcast Episode 5 – Investment Advice is NOT Financial Planning!

One of my pet peeves is how the financial planning industry had allowed itself to be consumed by the investment advisory industry. The two are not the same! Financial planning is truly ALL encompassing, taxes, insurance, investments, college, debt, estate etc. are all part of the discussion. What’s investment advice though? Well, simple, INVESTMENTS! Investments […]