Retirement trends: age, financial impact, and tips for managing investments and income.   In this episode of The Market Moment, Matt, Eli, and John break down what’s shaping financial decisions in 2025. They discuss the rising average retirement age in the U.S., how life expectancy impacts long-term planning, and what the FIRE movement means for early retirees. The team also covers today’s mortgage and refinancing trends, with 30-year rates dipping near 6%, and why fixed income investing is making a strong comeback after several volatile years. This conversation is great if you’re planning for retirement, exploring real estate moves, or adjusting your portfolio.   Sources: https://www.macrotrends.net/global-metrics/countries/ranking/life-expectancy   👉 Subscribe for weekly discussions on markets, investing, and financial planning and to join our growing online community of everyday investors.   📩 Comment below or send us an email at TheMarketMoment@mach1fg.com #FinancePodcast #RetirementPlanning #Investing #MortgageRates #FixedIncome #Mach1FinancialGroup #MarketMoment   📍 Hosted by the team at Mach 1 Financial Group, LLC — a Registered Investment Advisor based in Rogers, Arkansas. Learn more at: https://disclosures.mach1fg.com We're on Facebook! https://www.facebook.com/profile.php?id=61557724292379&mibextid=ZbWKwL Give us a follow on Instagram! https://www.instagram.com/themarketmoment/ www.instagram.com/themarketmomemt/   Mach-1 Financial Group, LLC ("Mach-1") is a registered investment adviser located in Rogers, AR. Mach-1 may only transact business in those states in which the firm maintains a notice filing or has qualified for an exemption or exclusion from registration. A copy of Mach-1’s current written disclosure brochure, which discusses among other things, Mach-1’s business practices, services and fees, is available through the SEC website at www.adviserinfo.sec.gov and is also available at www.mach-1financial.com/disclosures

In this episode of The Market Moment, hosts Matt and John dive into one of the most common—and most misunderstood—questions in retirement planning: What’s the best order to withdraw money from your accounts? They break down the tax implications and strategic order of drawing from taxable accounts, IRAs, and Roth IRAs, explaining how factors like RMDs (Required Minimum Distributions), Roth conversions, Medicare IRMAA thresholds, and tax-bracket management can significantly impact long-term retirement outcomes. Matt and John also discuss: 💡 How to create flexibility in your retirement income strategy 💡 Why diversifying account types (taxable, traditional, and Roth) matters 💡 Common misconceptions about IRAs and RMDs 💡 The importance of planning early for tax efficiency and legacy goals   Beyond retirement strategies, the hosts share their latest market insights—including reactions to UPS earnings, updates on AI’s growing role in corporate efficiency, and trends in housing costs, inflation, and employment. They unpack how these economic indicators could shape the markets heading into year-end, offering perspective for both investors and retirees. Whether you’re planning your retirement withdrawals, curious about market trends, or looking to stay informed about how AI and economic shifts may affect your investments, this episode provides practical, professional insights from experienced financial advisors. #retirementplanning #withdrawtips #investingpodcast 👉 Don't forget to like, subscribe, and hit the bell so you never miss a weekly update from The Market Moment and join our growing online community! 🍿 Watch Next: https://www.youtube.com/watch?v=YaHhoHTbwz0 🎙The Market Moment Podcast! Last week's episode...https://www.youtube.com/watch?v=vQVCWOk-RAw We're on Facebook! https://www.facebook.com/profile.php?id=61557724292379&mibextid=ZbWKwL Give us a follow on Instagram! https://www.instagram.com/themarketmoment/ www.instagram.com/themarketmomemt/   📍 Hosted by the team at Mach 1 Financial Group, LLC — a Registered Investment Advisor based in Rogers, Arkansas. Learn more at: https://disclosures.mach1fg.com Mach-1 Financial Group, LLC ("Mach-1") is a registered investment adviser located in Rogers, AR. Mach-1 may only transact business in those states in which the firm maintains a notice filing or has qualified for an exemption or exclusion from registration. A copy of Mach-1’s current written disclosure brochure, which discusses among other things, Mach-1’s business practices, services and fees, is available through the SEC website at www.adviserinfo.sec.gov and is also available at www.mach-1financial.com/disclosures

In this episode of The Market Moment, Matt, Isaac, and John dive into one of the most frequently asked questions by retirees and near-retirees: How is Social Security calculated? They break down the AIME (Average Indexed Monthly Earnings), PIA (Primary Insurance Amount), and the role of inflation-adjusted earnings in determining your Social Security benefits. Whether you're deciding when to claim Social Security or how working longer could affect your retirement income, this discussion provides clarity on a confusing topic — and directs listeners to helpful tools like SSA.gov. 💡 Key Topics Covered: -How Social Security benefits are calculated (AIME & PIA explained) -The impact of working additional years on your Social Security benefit -Common myths and mistakes around claiming strategies -Personalizing your Social Security plan based on life expectancy and income   After the Social Security deep dive, the hosts shift gears to discuss the current state of the market. From comparisons to the dot-com bubble to current P/E ratios and the booming AI sector, they provide valuable historical context for today’s investors. 📊 Market Commentary Includes: -The rise of AI and its impact on valuations -Current trends in earnings reports and P/E ratios -The mystery behind gold hitting all-time highs -Insights on Bitcoin leverage and risk   What recent economic indicators (like ISM data) mean in today’s climate Despite market highs, the hosts highlight the importance of staying diversified, keeping a long-term perspective, and consulting a financial professional before making decisions. With humor, insight, and a touch of healthy skepticism, The Market Moment helps listeners make sense of an increasingly complex investing landscape. Helpful links: https://www.ssa.gov/  https://www.ssa.gov/oact/cola/Benefits.html   🔔 Like, subscribe, and leave your questions or comments below. The team regularly addresses listener questions in future episodes. Our email: TheMarketMoment@mach1fg.com 🍿 Watch Next: • A Simple Guide to Financial Success | Data... 🎙The Market Moment Podcast! Last week's episode... https://www.youtube.com/watch?v=VodYnEoHEL4 We're on Facebook! https://www.facebook.com/profile.php?id=61557724292379&mibextid=ZbWKwL Give us a follow on Instagram! https://www.instagram.com/themarketmoment/ www.instagram.com/themarketmomemt/   ⚠️ Disclosures: The Market Moment podcast is hosted by employees of Mach 1 Financial Group, LLC, a Registered Investment Advisor located in Rogers, Arkansas. A copy of Mach 1’s current written disclosure brochure is available via the SEC website or at https://disclosures.mach1fg.com. Mach-1 Financial Group, LLC ("Mach-1") is a registered investment adviser located in Rogers, AR. Mach-1 may only transact business in those states in which the firm maintains a notice filing or has qualified for an exemption or exclusion from registration. A copy of Mach-1’s current written disclosure brochure, which discusses among other things, Mach-1’s business practices, services and fees, is available through the SEC website at www.adviserinfo.sec.gov and is also available at www.mach-1financial.com/disclosures

In this episode of The Market Moment, financial professionals Matt, Lee, and John dive deep into one of the most frequently asked questions: What is the ideal asset allocation when entering retirement? The discussion covers: -The importance of balancing growth vs. safety as retirement approaches -Common mistakes retirees make with overly conservative portfolios -Why solving for income should be the first priority in retirement planning -The pros and cons of bonds, CDs, annuities, and equity exposure -The classic 60/40 portfolio rule—and whether it still makes sense today -How longevity, withdrawal needs, and market risk all factor into retirement strategy   This week's Market Moment concerns: -Recent market reactions to geopolitical events and tariffs -Insights into earnings season, job market data, and interest rate expectations -A historical comparison of market cycles, tech bubbles, and the rise of AI-related investments   The guys emphasize that while general rules of thumb—like a 50-70% equity allocation—can be useful, every retirement plan should be tailored to individual goals, income sources, and risk tolerance. They highlight the value of working with a trusted financial advisor to develop a flexible and durable retirement income strategy.   🔍 Whether nearing retirement or already retired, this episode offers actionable insights on how to align your portfolio with long-term needs while navigating an uncertain market landscape.   🔔 Like, subscribe, and you can email us at TheMarketMoment@mach1fg.com . The team regularly addresses listener questions in future episodes.   🍿 Watch Next:    • A Simple Guide to Financial Success | Data...   🎙The Market Moment Podcast! Last week's episode...   • Is $1,000,000 Enough to Retire?   #RetirementPlanning #AssetAllocation #IncomePlanning #FinancialAdvisor #InvestmentStrategy #MarketUpdate #MarketVolatility #RetirementIncome #CDs #Annuities #401k #InvestmentPortfolio #MarketMoment #Mach1Financial #PersonalFinance We're on Facebook! https://www.facebook.com/profile.php?... Give us a follow on Instagram!   / themarketmoment   www.instagram.com/themarketmomemt/   ⚠️ Disclosures: The Market Moment podcast is hosted by employees of Mach 1 Financial Group, LLC, a Registered Investment Advisor located in Rogers, Arkansas. A copy of Mach 1’s current written disclosure brochure is available via the SEC website or at https://disclosures.mach1fg.com. Mach-1 Financial Group, LLC ("Mach-1") is a registered investment adviser located in Rogers, AR. Mach-1 may only transact business in those states in which the firm maintains a notice filing or has qualified for an exemption or exclusion from registration. A copy of Mach-1’s current written disclosure brochure, which discusses among other things, Mach-1’s business practices, services and fees, is available through the SEC website at www.adviserinfo.sec.gov and is also available at www.mach-1financial.com/disclosures

Welcome back to Market Moment! This week Lee Mackey, John Martfeld, and Isaac Johnson dive into a packed discussion covering retirement planning, market trends, and current economic headlines. 🎙 Frequently Asked Question: Can you retire with $1 million? The hosts break down why the answer isn’t so simple. From income needs to inflation and Social Security, they discuss the many variables that determine financial independence in retirement. 📈 This Week’s Market Moment - What’s Happening Right Now: -Gold hits $4,000/oz and Bitcoin surpasses $125,000 — is this a fear-driven rally or something more? -What's behind the investor shift into alternative assets? -The impact of government debt on market sentiment. 🏛 Government Shutdown: As the U.S. enters its 7th day of a federal government shutdown, the hosts explain what a "clean bill" means, the likely short- and long-term effects of shutdowns on markets and GDP, and why political gridlock continues to frustrate Americans. Plus, they highlight key historical data on shutdowns and stock market performance. 📌 Subscribe for weekly insights on financial planning, investing, economic trends, and real-world market commentary—all delivered in a relatable, down-to-earth style. 👍 Like, comment, and share to support the show and join the growing community! You can email us at TheMarketMoment@mach1fg.com   🍿 Watch Next:    • A Simple Guide to Financial Success | Data...   🎙The Market Moment Podcast! Last week's episode...   • Emergency Funds: Before And After Retirement   We're on Facebook! https://www.facebook.com/profile.php?... Give us a follow on Instagram!   / themarketmoment   www.instagram.com/themarketmomemt/   #RetirementPlanning #MarketPodcast #GoldPrices #Bitcoin #GovernmentShutdown #FinancialPlanning #Investing #Mach1Financial #MarketUpdate #PersonalFinance #RetireWith1Million #StockMarket #EconomicUpdate   🔒 Disclosure: The Market Moment Podcast is hosted by employees of Mach 1 Financial Group, LLC, a Registered Investment Advisor based in Rogers, Arkansas. Mach-1 Financial Group, LLC ("Mach-1") is a registered investment adviser located in Rogers, AR. Mach-1 may only transact business in those states in which the firm maintains a notice filing or has qualified for an exemption or exclusion from registration. A copy of Mach-1’s current written disclosure brochure, which discusses among other things, Mach-1’s business practices, services and fees, is available through the SEC website at www.adviserinfo.sec.gov and is also available at www.mach-1financial.com/disclosures

Welcome back to Market Moment! In today’s episode, Matt, John and Eli explore one of the most common personal finance questions:  "How much should I have in an emergency fund — both before and during retirement?" Together, they unpack the strategy behind building a resilient emergency fund, including: 🔹 When to increase or decrease your cash reserves🔹 How job security, family dynamics, and income stability impact your emergency savings target🔹 The role of cash in protecting your investments during market volatility🔹 Why a well-funded emergency account is the foundation of any strong financial plan🔹 Smart approaches for younger investors, retirees, and everyone in between Using real-life examples from client experiences, they offer practical, flexible strategies for maintaining and growing your emergency fund — without sacrificing long-term growth. The conversation also shifts to current headlines, including: 📉 The looming U.S. government shutdown — what it actually means for the economy 📊 Are we already in a “rolling recession”? 🤖 The rising influence of AI in the workforce and how it affects employment, especially among younger generations Whether you're early in your financial journey or approaching retirement, this episode delivers real, actionable insights on how to prepare for the unexpected without derailing your financial goals. 🔔 Subscribe for weekly episodes on investing, personal finance, and market insights. 💬 Got a question? Email the team at TheMarketMoment@mach1fg.com   📍 Learn more about Mach 1 Financial Group: https://www.mach-1financial.com/  📄 Disclosures: https://disclosures.mach1fg.com/ 🎙 About The Market Moment Podcast: Hosted by a rotation of advisors from Mach 1 Financial Group in Rogers, Arkansas — the Market Moment podcast provides thoughtful, real-world financial guidance. Each episode is designed to help listeners navigate market trends, investing strategies, and financial planning decisions with greater confidence. #EmergencyFund #FinancialPlanning #Investing #Recession2025 #MarketUpdate #PersonalFinance #RetirementPlanning #CashReserves #Mach1Financial #MarketMomentPodcast #MoneyManagement #AIAndJobs   Mach-1 Financial Group, LLC ("Mach-1") is a registered investment adviser located in Rogers, AR. Mach-1 may only transact business in those states in which the firm maintains a notice filing or has qualified for an exemption or exclusion from registration. A copy of Mach-1’s current written disclosure brochure, which discusses among other things, Mach-1’s business practices, services and fees, is available through the SEC website at www.adviserinfo.sec.gov and is also available at www.mach-1financial.com/disclosures

Welcome back to Market Moment! In today’s episode, Matt, Lee, and John tackle one of the most frequently asked retirement planning questions: "How can I lower my taxes in retirement?” From Roth conversions, RMDs (Required Minimum Distributions), and Social Security timing, to HSA utilization, IRMAA surcharges, and charitable giving (QCDs) — this discussion covers critical tax planning tools for both pre-retirees and younger investors looking to plan ahead. 🔍 Topics Covered: ➡️The benefits of Roth IRAs and Roth 401(k)s ➡️How Roth conversions can create tax-free retirement income ➡️Avoiding surprises with RMDs at age 73 or 75 ➡️Understanding IRMAA and Medicare premium increases ➡️Delaying Social Security to maximize lifetime benefits ➡️The importance of having taxable, tax-deferred, and tax-free "buckets" ➡️How HSA accounts can be used tax-free in retirement ➡️Qualified Charitable Distributions (QCDs) after age 70½   💼 Plus, the team touches on how tax laws may shift in the future, the risk of rising tax rates due to the national debt, and why proactive planning — not last-minute scrambling — is key to tax efficiency. 📈 Here is the link to the chart Matt references with historical tax brackets: The Federal Reserve Bank of St. Louis https://fred.stlouisfed.org/graph/?g=jm6o This Week’s Market Moment Segment: In the second half, the team explores what could potentially stall the current bull market. They discuss rising inflation, interest rate uncertainty, the softening job market, and global geopolitical risks — as well as reasons for long-term optimism, including AI innovation, corporate earnings, and historical market resilience during past crises. 👍 Like this episode? 💬 Email us your thoughts on the current bull market, the widening gap between socio-economic classes, and tax planning. TheMarketMoment@mach1fg.com   📩 Subscribe for weekly market insights, financial education, and practical retirement advice. 🍿 Watch Next: https://www.youtube.com/watch?v=tFKMNaz06KQ&t=1s 🎙The Market Moment Podcast! Last week's episode...https://www.youtube.com/watch?v=N-Sp1J0Pqy0 We're on Facebook! https://www.facebook.com/profile.php?id=61557724292379&mibextid=ZbWKwL Give us a follow on Instagram! https://www.instagram.com/themarketmoment/ www.instagram.com/themarketmomemt/   🎙️ About Us: The Market Moment podcast is hosted by financial advisors from Mach 1 Financial Group, a registered investment advisor based in Rogers, Arkansas. We deliver weekly insights into financial planning, retirement strategy, investing, and current market trends.   📢 DISCLAIMER: The hosts of the Market Moment podcast are employees of Mach 1 Financial Group, LLC (“Mach 1”), a registered investment advisor located in Rogers, Arkansas. A copy of Mach 1's current written disclosure brochure is available through the SEC website and at disclosures.mach1fg.com   #RetirementPlanning #TaxStrategies #RothConversion #FinancialPlanning #TaxesInRetirement #SocialSecurity #IRA #RMD #Investing #MarketUpdate #BullMarket #Inflation #MedicareIRMAA #HSA #QualifiedCharitableDistributions #PersonalFinance #WealthManagement

Welcome back to Market Moment! In today’s episode, Matt, Lee, and Isaac tackle one of the most frequently asked retirement planning questions: "When should I claim Social Security benefits?" If you’re approaching age 60 or older, you’ve likely seen projections, conflicting advice, and heard it all—from "claim early at 62" to "wait until 70 for the biggest payout." Today, we break down how to evaluate your optimal Social Security claiming age based on: ✅ Life expectancy and personal health ✅ Investment portfolio pressure ✅ Income penalties before full retirement age ✅ Emotional and psychological factors ✅ Spousal strategies and survivor benefits ✅ Common myths around Social Security going away   Plus, we share general rules of thumb and how we use financial planning software to tailor decisions to each client’s situation. If you're wondering whether to take benefits early, wait, or plan around your spouse's benefit—this episode is for you.   🔍 Also in this episode: We dive into recent headlines including Donald Trump's proposal to reduce financial reporting from quarterly to twice a year, and what that could mean for investors, transparency, and long-term investing. We also explore the controversial concept of 24/7 stock trading, the impact on markets, investor psychology, advisors, and why this shift might not be as exciting as it sounds. 🧠 Key Topics Covered: -When to claim Social Security benefits -Financial planning considerations for retirees -Trump's proposal: Semi-annual vs. quarterly earnings reports -The future of 24/7 trading on the NYSE -Market volatility and global market influence -Emotional and strategic considerations for retirement   👍 Like this episode? 💬 Email us your thoughts on Social Security strategy or 24/7 market trading. TheMarketMoment@mach1fg.com   📩 Subscribe for weekly market insights, financial education, and practical retirement advice.   🍿 Watch Next: https://www.youtube.com/watch?v=V4EkYJeQQqw    🎙The Market Moment Podcast! Last week's episode...https://www.youtube.com/watch?v=m9qzllpFPO8&t=727s    We're on Facebook!  https://www.facebook.com/profile.php?id=61557724292379&mibextid=ZbWKwL    Give us a follow on Instagram!  https://www.instagram.com/themarketmoment/  www.instagram.com/themarketmomemt/    🎙️ About Us: The Market Moment podcast is hosted by financial advisors from Mach 1 Financial Group, a registered investment advisor based in Rogers, Arkansas. We deliver weekly insights into financial planning, retirement strategy, investing, and current market trends.   📢 DISCLAIMER: The hosts of the Market Moment podcast are employees of Mach 1 Financial Group, LLC (“Mach 1”), a registered investment advisor located in Rogers, Arkansas. A copy of Mach 1's current written disclosure brochure is available through the SEC website and at disclosures.mach1fg.com .   #SocialSecurity #RetirementPlanning #FinancialAdvice #MarketNews #Investing #StockMarket #TrumpNews #247Trading #Mach1Financial #MarketMomentPodcast #PersonalFinance #RetirementStrategy #EarningsReports #FinancialLiteracy

Welcome back to The Market Moment! In this episode, Matt, Lee, and John are answering the question “How should I invest as I approach retirement?” They offer an in-depth, candid discussion about retirement investing strategies and the many variables that go into building a sound financial plan. From risk tolerance to income needs and everything in between, the hosts break down what investors should consider in the crucial years leading up to—and immediately following—retirement, also known as the “retirement red zone.”   🧠 Topics discussed include: -Why investment strategy near retirement isn’t one-size-fits-all -Misconceptions around target date funds -The importance of knowing your “number”— the return needed to meet your goals -How flexibility, planning, and real-life risk tolerance impact long-term success -Why being overly aggressive near retirement can derail plans -Common mistakes people make with portfolio allocation in their 50s and 60s   📈 The hosts also break down the latest Federal Reserve developments, including: -The likelihood of a rate cut (25 or 50 basis points?) -How the market might react -Why Fed policy could significantly impact retirees and conservative investors -What shifting labor markets, AI, and underemployment trends may signal about the broader economy.   Whether the listener is nearing retirement, already retired, or planning ahead, this episode is packed with actionable insight and down-to-earth financial wisdom—plus the casual banter and humor that Market Moment listeners have come to enjoy. 🔔 Join the growing Market Moment community by clicking that subscribe button on YouTube! 👍 Don’t forget to Like, Subscribe, and Share! Comments and questions are always welcome! The Market Moment team appreciates the feedback and is always looking to hear from listeners. Email us at TheMarketMoment@mach1fg.com   🍿 Watch Next: https://www.youtube.com/watch?v=V4EkYJeQQqw 🎙The Market Moment Podcast! Last week's episode...https://www.youtube.com/watch?v=0FIqTBh5Zp0&t=1s We're on Facebook! https://www.facebook.com/profile.php?id=61557724292379&mibextid=ZbWKwL Give us a follow on Instagram! https://www.instagram.com/themarketmoment/ www.instagram.com/themarketmomemt/   🧾 Disclosure The hosts of the Market Moment Podcast are employees of Mach 1 Financial Group. Mach-1 Financial Group, LLC ("Mach-1") is a registered investment adviser located in Rogers, AR. Mach-1 may only transact business in those states in which the firm maintains a notice filing or has qualified for an exemption or exclusion from registration. A copy of Mach-1’s current written disclosure brochure, which discusses among other things, Mach-1’s business practices, services and fees, is available through the SEC website at www.adviserinfo.sec.gov and is also available at www.mach-1financial.com/disclosures

Welcome back to The Market Moment! In this episode, Matt, John, and Eli dive deep into one of the most frequently asked financial planning questions: "How much do I need to retire?" If you're in your 30s, 50s, or approaching retirement, this conversation covers everything from simple retirement math to the complex variables that impact your long-term financial security. We break down how to estimate your retirement number using the 4% rule, why that method is often flawed, and what to consider instead. You'll also learn the importance of understanding your expenses, asset location (Roth vs Traditional), taxes in retirement, inflation, health care costs, and legacy planning. Plus, we wrap up with a timely market moment update following the Federal Reserve’s Jackson Hole meeting, including insights from industry experts like Bill Gross and Ryan Detrick on interest rates, the bond market, and what that could mean for mortgage rates, borrowing, and your investment strategy. 🧠 Topics Covered: Retirement Planning Strategies How to Calculate Retirement Needs The 4% Rule: Pros and Cons Roth IRA vs Traditional 401(k) Withdrawals Inflation, Health Care, and Longevity Risk Market Trends Post-Jackson Hole Fed Meeting Bond Market Insights & Fed Funds Rate Outlook Mortgage Rate Expectations vs Reality Generational Shifts in Retirement Goals 💡 Whether you're asking “Can I retire at 55?” or “How much should I have saved by 40?”, this episode breaks down the numbers and the why behind the math. 📌 Resources Mentioned: Retirement Rule of Thumb: 4% Rule 10x Income Savings Guideline Jackson Hole Federal Reserve Recap Commentary from Bill Gross & Ryan Detrick 👍 If you found this episode helpful: ✔️ Like the video ✔️ Subscribe for weekly financial insights ✔️ Email us your retirement or investing questions – we might cover yours next week! TheMarketMoment@mach1fg.com   Also check out our YouTube Channel and subscribe for weekly videos! https://www.youtube.com/@TheMarketMoment  🎙️ Hosted by the advisors at Mach 1 Financial Group 📍 Registered Investment Advisor | Rogers, Arkansas 🔎 Disclosure Brochure: https://disclosures.mach1fg.com   🍿 Watch Next:    • How to Avoid Investor's Greatest Fear: The...   🎙The Market Moment Podcast! Last week's episode...https://www.youtube.com/watch?v=04mahaGXT2c    We're on Facebook! https://www.facebook.com/profile.php?... Give us a follow on Instagram!   / themarketmoment   www.instagram.com/themarketmomemt/   Mach-1 Financial Group, LLC ("Mach-1") is a registered investment adviser located in Rogers, AR. Mach-1 may only transact business in those states in which the firm maintains a notice filing or has qualified for an exemption or exclusion from registration. A copy of Mach-1’s current written disclosure brochure, which discusses among other things, Mach-1’s business practices, services and fees, is available through the SEC website at www.adviserinfo.sec.gov and is also available at www.mach-1financial.com/disclosures

Welcome back to The Market Moment! This week Matt, Lee, and Eli tackle one of the most frequently asked questions they hear from clients and listeners: “Can I retire early?” They break down early retirement planning from both a financial and emotional perspective. Whether you're in your 40s, 50s, or even 60s, this episode will help you define what "early retirement" really means to YOU and what you need to consider before making that leap.   ✅ Key Topics Covered: -What does early retirement really mean? -Financial independence vs. traditional retirement -Emotional readiness and finding purpose after work -Retirement cash flow planning -Health insurance considerations before age 65 -Tax strategies for early retirees -Asset diversification & income stream planning -Capital gains tax explained: 0%, 15%, 20%, and the Net Investment Income Tax (NIIT)   Whether you're nearing retirement or just dreaming about it, this episode gives you real, practical advice on how to prepare both financially and mentally.   🧠 Bonus Segment: Eli gives a deep dive into capital gains tax – what it is, how it works, and strategies to reduce your tax burden if you're selling stocks, real estate, or other investments outside of retirement accounts.   👥 Have questions? Email us your questions at TheMarketMoment@mach1fg.com We love your feedback 😄   👍 Like, 💬 Comment, and 🔔 Subscribe for weekly insights on retirement, investing, and tax-smart planning from real advisors. Did you know we have a YouTube Channel? That way you can watch us, view any charts we have on screen, and catch other videos like Eli's Data Briefs which dive deeper into investing strategies and the data behind investing. Check it out!    📍Learn more about us: https://www.mach-1financial.com 📄 Disclosures: https://disclosures.machonefg.com   📌 Next Week’s Topic: How much money do I need to retire comfortably?   #retirementplanning #earlyretirement #financialfreedom #capitalgainstax #taxplanning #retireearly #financialadvisor #mach1financial #marketmomentpodcast   🍿 Watch Next:    • How to Avoid Investor's Greatest Fear: The...   🎙The Market Moment Podcast! Last week's episode...   • Unpacking U.S. Household Leverage, the Inf...     We're on Facebook! https://www.facebook.com/profile.php?... Give us a follow on Instagram!   / themarketmoment   www.instagram.com/themarketmomemt/   Mach-1 Financial Group, LLC ("Mach-1") is a registered investment adviser located in Rogers, AR. Mach-1 may only transact business in those states in which the firm maintains a notice filing or has qualified for an exemption or exclusion from registration. A copy of Mach-1’s current written disclosure brochure, which discusses among other things, Mach-1’s business practices, services and fees, is available through the SEC website at www.adviserinfo.sec.gov and is also available at www.mach-1financial.com/disclosures

Welcome back to The Market Moment with Matt, Lee, and Eli! In this episode, we break down the latest inflation report that came in cooler than expected at 2.7%, what that means for the Federal Reserve's next move, and why the markets are rallying as a result.  We dive deep into:  What’s behind the inflation drop—and whether it's sustainable   Growing consensus around Fed rate cuts this September   The massive shift in the housing market, as renter households surge   Surprising strength in consumer balance sheets despite economic fears   The growing concentration in the S&P 500 and what it means for investors   Why companies like NVIDIA, Walmart, and Apple are shaping the future—and the risks of assuming growth will continue at current rates   The overlooked reality of today’s so-called “weak consumer”   Plus, we talk about data centers, commercial real estate shifts, and the evolving power dynamics between mega-cap companies and their competitors.  📊 Whether you’re an investor, market follower, or just curious about what’s happening in the economy, this episode connects the dots between key economic trends and how they’re showing up in the market.  Sources sited (charts):     https://x.com/PeterMallouk/status/1954892053785063492     https://x.com/MikeZaccardi/status/1954610383349567850     https://x.com/EricFinnigan/status/1955022915902029842     👉 Like, subscribe, and drop a comment with your thoughts or questions! We’d love to hear from you.  🎧 Subscribe to the Market Moment podcast for more weekly market breakdowns and real-world financial insights.  Email us your questions at TheMarketMoment@mach1fg.com   #investing #inflation #stockmarket   Did you catch last week’s episode? https://www.youtube.com/watch?v=l3Nyvo0R538  Wanna learn more from Eli? Check out his series Data Brief! https://www.youtube.com/watch?v=eIK3-byJFb4     disclosures.mach1fg.com 

Welcome back to The Market Moment! In this episode, Matt, Isaac, and Eli dive deep into one of retirement's most important—and complex—questions: What's the best way to withdraw income from your portfolio?  There’s no one-size-fits-all answer, but we break down the four most common withdrawal strategies, explaining how each works, who they may be best for, and the pros and cons you need to consider before choosing one:  📌 4% Withdrawal Rule – The classic starting point, but is it still relevant today?  📌 Flexible Spending Strategy – How adaptable budgeting could help (or hurt) your retirement peace of mind.  📌 Bucket Strategy – A visual and tactical approach that segments your money for short-, mid-, and long-term needs.  📌 Guardrail Strategy – For the spreadsheet-savvy planner who wants a dynamic, rules-based income plan.  Along the way, we discuss real-world challenges, from market volatility to managing fixed vs. discretionary spending, and why knowing your monthly expenses and reducing debt (like paying off your home) are crucial for retirement success.  ✅ Whether you're 10 years out or just about to retire, this episode is packed with valuable insights to help you build a withdrawal strategy that fits your life.  👉 Don’t forget to like, comment, and subscribe for more insights from the guys on The Market Moment.   📢 Share this with your tax-savvy friends and family!  💬 Let us know your thoughts! Also, please comment or email us your questions. We hope to answer your questions and respond to your comments in an upcoming episode!   Email us your questions at TheMarketMoment@mach1fg.com  🚨Don’t forget to watch Eli’s breakdown of the “O.B.B.B.” on Data Brief… https://www.youtube.com/watch?v=R0YkvuMUC_g&t=5s    #investing #retirement #stockmarket  

This week, Matt, John, and Lee unpack several charts exploring the financial consequences of trying to “time the market” or letting personal fears, emotions, and anxiety control your investing. A recent example is what happened in April during the “tariff-talks” and the stockmarket dropped significantly but then also rose back up a week later.  📈 This episode is a must-watch for anyone planning their financial future. 👉 Don’t forget to like, comment, and subscribe for more insights from the guys on The Market Moment.  📢 Share this with your tax-savvy friends and family! 💬 Let us know your thoughts! Also, please comment or email us your questions. We hope to answer your questions and respond to your comments in an upcoming episode!  Email us your questions at TheMarketMoment@mach1fg.com  🚨Don’t forget to watch Eli’s breakdown of the “O.B.B.B.” on Data Brief… https://www.youtube.com/watch?v=R0YkvuMUC_g&t=5s  #investing #retirement #stockmarket    www.disclosures.mach1fg.com  

This week, Matt, John, and Isaac, dive deep into the groundbreaking "One Big Beautiful Bill" — a sweeping piece of legislation that could reshape your taxes, savings, and financial future. Whether you're a taxpayer, parent, senior, or business owner, these top 10 highlights are essential listening.  Here's what's inside the bill (and this episode):  1️⃣ Individual Income Tax Rates Made Permanent – The TCJA tax brackets (10%-37%) are now here to stay.  2️⃣ Higher Standard Deduction Made Permanent – $31,500 for joint filers, $15,750 for singles starting 2025.  3️⃣ Estate & Gift Tax Exemptions Increased – Up to $30M for couples, inflation-adjusted.  4️⃣ SALT Deduction Cap Raised – Increased to $40,000 in 2025 with phaseouts and future reductions.  5️⃣ New Senior Tax Deduction – $6,000 for those 65+ with moderate incomes (2025–2028).  6️⃣ Tip Income Deduction – Deduct up to $25,000 in tip income (phases out at higher incomes).  7️⃣ Overtime Tax Break – Deduct OT pay: $25K (married) / $12.5K (single), 2025–2028.  8️⃣ Car Loan Interest Deductible – For U.S.-assembled vehicles, up to $10K interest deductible.  9️⃣ Child Tax Credit Boosted – Increased to $2,200 in 2026 and made permanent.  🔟 Trump Accounts for Kids – New children’s savings account, with $5K annual contribution + $1K federal kickstart for newborns (2025–2028).  📈 This episode is a must-watch for anyone planning their financial future.  👉 Don’t forget to like, comment, and subscribe for more insights from the guys on The Market Moment.   📢 Share this with your tax-savvy friends and family!  💬 Let us know your thoughts! Also, please comment or email us your questions. We hope to answer your questions and respond to your comments in an upcoming episode!   🚨Don’t forget to watch Eli’s breakdown on Data Brief… https://www.youtube.com/watch?v=R0YkvuMUC_g&t=5s    We're on Facebook! https://www.facebook.com/profile.php?id=61557724292379&mibextid=ZbWKwL   Give us a follow on Instagram! https://www.instagram.com/themarketmoment/  Mach-1 Financial Group, LLC ("Mach-1") is a registered investment adviser located in Rogers, AR. Mach-1 may only transact business in those states in which the firm maintains a notice filing or has qualified for an exemption or exclusion from registration. A copy of Mach-1’s current written disclosure brochure, which discusses among other things, Mach-1’s business practices, services and fees, is available through the SEC website at www.adviserinfo.sec.gov  and is also available at www.mach-1financial.com/disclosures 

This week, Lee, John, and Eli discuss some of the latest market updates but also dive deeper into the most common retirees’ regrets. Some of the market updates include how tariffs could be impacting the economy, Jerome Powell’s decision to not lower rates, and generally how people seem to feel about the market - generally speaking, good!   The conversation pivots to a practical conversation about retirees’ regrets. Eli, John, and Lee have sat down with numerous clients over the years and have found these to be some of the biggest regrets:  -Not starting to save for retirement sooner   -Not meeting with a financial advisor sooner   -Not prioritizing health, to be able to enjoy retirement   -Not spending money or sharing it while you can   -Not knowing what to do during retirement  Are you preparing for retirement or are you retired? Is this helpful or can you relate to these regrets? Let us know your thoughts! Also, please comment or email us your questions. We hope to answer your questions and respond to your comments in an upcoming episode! But next week, we plan to tackle the One Big Beautiful Bill and the changes which could impact you.   Email us your questions at TheMarketMoment@mach1fg.com  www.disclosures.mach1fg.com  

This week, John, Eli, and Isaac talk about taking a mid-year financial check-up. This means looking at your finances, maybe even your taxes or tax strategies, any upcoming expenses, your cash on hand, or possibly needing to rebalance, and more. They also discuss the passing of Trump’s Big Beautiful Bill. While there are massive tax and economic implications, the guys don’t have enough time to dive into it deeply in this episode. Eli, however, is preparing a Data Brief video on the subject as it pertains to retirees.   Please comment or email us your questions. We hope to answer your questions and respond to your comments in an upcoming episode!   Email us your questions at TheMarketMoment@mach1fg.com  Watch Next: The Retirement Red Zone: https://youtu.be/BGyQ5XXRsv0   The Market Moment Podcast! Last week's episode...  Climbing the Walls of Worry https://youtu.be/dNL-3ndTt_w  Join the growing Market Moment community by clicking that subscribe button!  We're on Facebook! https://www.facebook.com/profile.php?id=61557724292379&mibextid=ZbWKwL   Give us a follow on Instagram! https://www.instagram.com/themarketmoment/   Mach-1 Financial Group, LLC ("Mach-1") is a registered investment adviser located in Rogers, AR. Mach-1 may only transact business in those states in which the firm maintains a notice filing or has qualified for an exemption or exclusion from registration. A copy of Mach-1’s current written disclosure brochure, which discusses among other things, Mach-1’s business practices, services and fees, is available through the SEC website at www.adviserinfo.sec.gov  and is also available at www.mach-1financial.com/disclosures 

This week, the market has reached all-time highs and Matt, John, and Eli are breaking it down on the podcast. Together, they discuss the market “climbing the walls of worry” with how everything going on politically is full of fear and yet investors are still investing–why is that? They also share each of their perspectives as advisors coming from different eras of investing. John, the oldest on the panel, was well into his career during the 2008 financial crisis. Matt, however, was just starting when the crisis happened. And Eli, the youngest, never truly experienced the financial crisis, at least not as an investor or advisor. The three of them share different perspectives, given their different experiences as investors and advisors, on how to handle the current market. Will something like 2008 happen again? And how do investors need to navigate this or prepare for it? Please comment or email us your questions. We hope to answer your questions and respond to your comments in an upcoming episode!   Email us your questions atTheMarketMoment@mach1fg.com   🍿 Watch Next: 5 Psychological Risks to Avoid in Investing: https://youtu.be/5FGd-wZp38E  🎙The Market Moment Podcast! Last week's episode... If You're Thinking About Retiring, Answer These Questions FIRST:  https://youtu.be/t_e0uPzyI0s 😎Join the growing Market Moment community by clicking that subscribe button!  We're on Facebook! https://www.facebook.com/profile.php?id=61557724292379&mibextid=ZbWKwL  Give us a follow on Instagram! https://www.instagram.com/themarketmoment/    Mach-1 Financial Group, LLC ("Mach-1") is a registered investment adviser located in Rogers, AR. Mach-1 may only transact business in those states in which the firm maintains a notice filing or has qualified for an exemption or exclusion from registration. A copy of Mach-1’s current written disclosure brochure, which discusses among other things, Mach-1’s business practices, services and fees, is available through the SEC website at www.adviserinfo.sec.gov and is also available at www.mach-1financial.com/disclosures     

This week, Matt, Isaac, and John are tackling three major headlines from the finance world: tariffs, The Fed being pressured to lower rates, and whether or not the rising tensions in the Middle East is having an impact on the markets.   Matt is a bit surprised the markets haven’t changed at all since the Israeli strikes on Iran, while Isaac is not surprised at all. John is relieved and hopes peace can be settled with the U.S. acting as a mediator. Perhaps good can come from the situation. The tariff drama may finally be coming to an end as more deals are going to paper, and hopefully this all leads to more production in the U.S. And finally, Trump has been publicly calling out The Fed chairman, Jerome Powell, and demanding rates be cut. This leads the three hosts into a discussion on whether or not a rate cut should take place or maybe the Fed should simply let the economy work itself out.   We hope to answer your questions and respond to your comments in an upcoming episode!   💬 Email us your questions at TheMarketMoment@mach1fg.com  🍿 Watch Next: 5 Psychological Risks to Avoid in Investing: https://youtu.be/5FGd-wZp38E  🎙The Market Moment Podcast! Last week's episode... If You're Thinking About Retiring, Answer These Questions FIRST:  https://youtu.be/t_e0uPzyI0s 😎Join the growing Market Moment community by clicking that subscribe button!  We're on Facebook! https://www.facebook.com/profile.php?id=61557724292379&mibextid=ZbWKwL  Give us a follow on Instagram! https://www.instagram.com/themarketmoment/    Mach-1 Financial Group, LLC ("Mach-1") is a registered investment adviser located in Rogers, AR. Mach-1 may only transact business in those states in which the firm maintains a notice filing or has qualified for an exemption or exclusion from registration. A copy of Mach-1’s current written disclosure brochure, which discusses among other things, Mach-1’s business practices, services and fees, is available through the SEC website at www.adviserinfo.sec.gov and is also available at www.mach-1financial.com/disclosures 

This week, Matt, Isaac, and John are taking a break from this week’s headlines to focus on questions you need to answer before retirement. Too many people make the mistake of retiring before sitting down and planning their retirement! Avoid massive financial mistakes by asking:  - What are my monthly expenses?  - What are some upcoming expenses to plan for? (Car purchases, vacations, etc.) - What will my income source(s) be? - Do I need an estate plan? - What is my risk tolerance?  - Do I want to leave a legacy?  💬 Comment below a question or comment so we can react to them in the next episode! 🍿 Watch Next: 5 Risks to Avoid In Investing https://youtu.be/5FGd-wZp38E 🎙The Market Moment Podcast! Last week's episode... https://youtu.be/BiFiLeI_hpA 😎Join the growing Market Moment community by clicking that subscribe button!  We're on Facebook! https://www.facebook.com/profile.php?id=61557724292379&mibextid=ZbWKwL  Give us a follow on Instagram! https://www.instagram.com/themarketmoment/  Mach-1 Financial Group, LLC ("Mach-1") is a registered investment adviser located in Rogers, AR. Mach-1 may only transact business in those states in which the firm maintains a notice filing or has qualified for an exemption or exclusion from registration. A copy of Mach-1’s current written disclosure brochure, which discusses among other things, Mach-1’s business practices, services and fees, is available through the SEC website at www.adviserinfo.sec.gov and is also available at www.mach-1financial.com/disclosures