Good morning, Simply Retirement Community!

Welcome to the weekly newsletter that reminds us that retirement is not the end of the road; it is the start of a new journey.

I was recently a guest on the D Shift Podcast with Mardi Winder. In the conversation, we discussed how women can make confident, informed retirement decisions after divorce, widowhood, or remaining single.

The conversation also explores:

• How to create a retirement strategy after a gray divorce
• Why becoming overly conservative with investments can be risky
• The impact of inflation on long-term retirement planning
• How to manage cash flow, debt, and tax strategy post-divorce
• Why women must be active decision makers in their financial future

Click the image below to tune in to the episode 👇

Do I Still Need Life Insurance in Retirement?

Many women enter retirement assuming life insurance is no longer necessary, only to discover that the real issue is not coverage, but access to cash when it matters most.

In this episode, I walk through how the purpose of life insurance changes as you approach and enter retirement. I explain why the real question is not whether you should keep a policy, but what risks still exist in your plan. I share practical examples involving pensions, Social Security, mortgages, estate taxes, and the desire not to burden your children. I also outline how to evaluate existing policies and determine whether term or permanent coverage fits your situation.

Key Takeaways:

• How life insurance shifts from income replacement during working years to liquidity planning in retirement
• Why retirement accounts and investment assets may create tax or timing challenges at death
• The risks of losing pension or Social Security income for a surviving spouse
• Why adding a child as a joint owner on accounts is rarely the right solution
• How to determine the right type and amount of coverage based on risk, not product
• And more!

You can catch every episode of The Simply Retirement Podcast on the website - or on your favorite podcast app.

​CLICK TO TUNE IN 👇

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Related Links & Resources

• 👉 Work with us!​
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• 📄 Read
  • ​Episode 95 Transcript​
• Related Episodes
  • ​#11 - Unlocking the Secrets of Long-Term Care with Dina Mabry​
  • ​#93 - Life Settlements Explained: Turning Life Insurance into Opportunity​
• 👩‍👩‍👧‍👦 Connect & Participate
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The Simply Retirement Toolbox

👉 What Issues Should I Consider When Reviewing My Existing Life Insurance Policy?​

Life insurance is a complex topic, and it often leaves many confused about what they should do with their existing policy.

With this checklist, you will be better prepared to understand your life insurance policy and determine whether it is still appropriate for your financial situation.

This checklist covers the key issues to consider when reviewing your existing life insurance policy, such as:

• Understanding your policy’s in-force illustration, contract, riders, and other important information.
• Exploring the different options for, as well as the pros and cons of, replacing, surrendering, or selling their policy.
• Reviewing your policy’s cash value accumulation and death benefit, and any potential tax consequences that may arise.
• Seeing how your policy fits in with any health and/or estate issues that may be present.

Have more questions about retirement planning? Just hit reply to this email. I read and respond to every message. 😃

Keeping Retirement Simple,

Eric Blake, CFP®

​Content here is for illustrative purposes and general information only. It is not legal, tax, or individualized financial advice; nor is it a recommendation to buy, sell, or hold any specific security, or engage in any specific trading strategy.

All investing involves risk including loss of principal. Results will vary. Past performance is no indication of future results or success. Market conditions change continuously.

Information here is provided, in part, by third-party sources. These sources are generally deemed to be reliable; however, neither Blake Wealth Management nor RFG Advisory guarantee the accuracy of third-party sources. The views expressed here are those of Blake Wealth Management. They do not necessarily represent those of RFG Advisory, their employees, or their clients.

This commentary should not be regarded as a description of advisory services provided by Blake Wealth Management or RFG Advisory, or performance returns of any client. The views reflected in the commentary are subject to change at any time without notice.

Advisory services offered by Investment Advisory Representatives of RFG Advisory, LLC ("RFG Advisory" or "RFG") a registered investment advisor. Blake Wealth Management and RFG Advisory are unaffiliated entities. Advisory services are only offered to clients or prospective clients where RFG Advisory and its representatives are properly licensed or exempt from licensure. No advisory services may be rendered by RFG Advisory unless a client agreement is in place.

RFG Advisory is an SEC-registered investment adviser. SEC registration does not constitute an endorsement of RFG by the Commission, nor does it indicate that RFG or any associated investment advisory representative has attained a particular level of skill or ability.