Jackie (caller)

Jackie, a 63-year-old listener, shares her concerns about retirement after losing money in the past. She discusses her transition from saving to spending and feels stuck. They delve into topics like Social Security timing, with Jill suggesting a strategic delay until 70. They also talk about the importance of reassessing investment allocations and the emotional hurdles of decumulation. Jill encourages Jackie to gradually reintroduce market exposure and consider Roth conversions while in a low tax bracket. It's a candid discussion about navigating the complexities of retirement planning.

Jackie, a New York City listener, seeks help to find a fiduciary financial advisor after accumulating substantial cash savings and retirement assets. She feels overwhelmed and unsure where to start. Jill guides her through understanding the reasons for her large cash reserves and the importance of investment diversification. They discuss what Jackie wants in an advisor, emphasizing the need for transparency and trustworthy guidance. Jill also shares practical tips on finding the right advisor and the challenges faced by planners with mid-level assets.