Hawaii Retirement Show

Focusing on the Burn vs the Earn

In this Episode of the HI Retirement Show, Jason discusses the importance of not always focusing or chasing down more earnings and instead periodically checking back in on your burn (spending) to effectively better your overall financial position. 
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Vegas Baby! The taxation of gambling winnings.

In this Episode of the HI Retirement Show, Jason discusses the taxation of gambling winnings.  This includes the reporting requirements of gambling winnings as income, regular gambling withholdings, and deductions for gambling losses. 
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FERS Unused Sick Leave

In this Episode of the HI Retirement Show, Jason discusses how unused sick leave is calculated and factored in to your years of service.  
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Common Financial Professional Licenses and Certifications

In this Episode of the HI Retirement Show, Jason discusses the most common financial professional licenses and certifications.  
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The Four Factors Impacting Your Credit Score

In this Episode of the HI Retirement Show, Jason discusses the four main factors that impact your credit score.  
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Qualified Charitable Distributions

In this Episode of the HI Retirement Show, Jason breaks down the basics of Qualified Charitable Distributions.   
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All About RMDs - Required Minimum Distributions

In this Episode of the HI Retirement Show, Jason breaks down Required Minimum Distributions.  He discusses what they are, when they need to be taken, how they are calculated, and more. 
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The Emergency Fund

In this Episode of the HI Retirement Show, Jason shares his perspective on having an emergency fund.   
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First Principles Perspective on Life Insurance and Annuities

In this Episode of the HI Retirement Show, Jason briefly breaks down Life Insurance and Annuities to their most basic and fundamental purpose.  
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FERS Survivor Annuity Elections

In this Episode of the HI Retirement Show, Jason and Paul breakdown the different Survivor Annuity Elections for the FERS pension benefit.   This includes the Maximum Survivor Annuity, the Partial Survivor Annuity, the No Survivor Annuity, and a few others.  
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20 Most Common Investment Mistakes | Part 2

In this Episode of the HI Retirement Show, Jason and Paul discuss the “20 Most Common Investment Mistakes”. per the CFA Institute. In Part-2 of this two part series, they provide valuable insights into common mistakes 11 through 20 on the list.
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20 Most Common Investment Mistakes | Part 1

In this Episode of the HI Retirement Show, Jason and Paul discuss the “20 Most Common Investment Mistakes” per the CFA Institute. In Part-1 of this two part series, they provide valuable insights into common mistakes 1 through 10 on the list.
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Q&A: What is a Sweep account? What are some plans to look into to set up my child’s college fund?

Q&A Episode #5: What is a Sweep account?  What are some plans to look into to set up my child’s college fund?
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How Much Do I Need To Retire?

In this Episode of the HI Retirement Show, Jason and Paul discuss one way of figuring out how much you need to retire.  They talk through the assumptions that need to be made, how to figure out your projected expenses in retirement, analyzing your inflation adjusted lifetime income such as Social Security or a Pension, and then talking through how your retirement accounts fit into the retirement equation.
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Bonus Episode: Hawaii Island Savings Plan, 457 - ROTH Update

In this Bonus Episode of the HI Retirement Show, Jason and Paul breakdown the recent ROTH update to the State of Hawaii’s 457, Island Savings Plan.  
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2023 Holiday Episode

In this Holiday Episode of the HI Retirement Show, Jason and Paul discuss ways to not overspend, charitable giving, and find the best deals during the holiday season.  They also touch on using this time of year to reflect and appreciate those closest to us.
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Introduction to Social Security

In this Episode of the HI Retirement Show, Jason and Paul provide our listeners with an introduction to Social Security.  Their conversation covers a few historical and current facts, who qualifies for Social Security, when you can collect your benefit, how much your benefit will be reduced or increased depending on when you claim, the importance of setting up your ssa.gov account, and how Social Security fits into a retirement plan.
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Talking Taxes in Retirement with Andy Panko, CFP®

In this Retirement Insights Episode of the HI Retirement Show, Jason and Paul are joined by Andy Panko, CFP® to talk about Taxes in Retirement.  The conversation covers a few different ways tax planning fits into retirement planning.  They discuss state taxes, the potential taxation of social security, IRMAA (Medicare Surcharges),  the use and taxation of brokerage accounts, and having tax diversification in your retirement.
Featuring:  Andy Panko - https://www.linkedin.com/in/andypanko/
 
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A Perspective on Interest Rates, Part 2

In this Episode of the HI Retirement Show, Jason and Paul discuss the current state of interest rates as it relates to debt/liabilities.  Their conversation covers historical interest rates, how long interest rates may last, and things to consider regarding various interest rate environments.
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A Perspective on Interest Rates, Part 1

In this Episode of the HI Retirement Show, Jason and Paul discuss the current state of interest rates as it relates to assets.  Their conversation covers historical interest rates, how long interest rates may last, and things to consider regarding various interest rate environments.
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Federal Employee Retirement System (FERS) Computation

In this Episode of the HI Retirement Show, Jason and Paul breakdown the different components of the computation used to determine the Federal Employee Retirement System benefit.   They discuss the “High-3 Average Salary”, Years of Service, and the Multiplier used in the benefit formula.  Lastly, they walk the listeners through an example computation.
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State of Hawaii E.R.S. Computation

In this Episode of the HI Retirement Show, Jason and Paul breakdown the different components of the computation used to determine the State of Hawaii ERS benefits.   They discuss the “Average Final Compensation” (AFC), Years of Service, and the Multiplier used in the benefit formula.  Lastly, they walk the listeners through an example of the Hybrid Plan computation.
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Talking Reverse Mortgages with Wendy Oshiro

In this Episode of the HI Retirement Show, Jason and Paul are joined by Reverse Mortgage Specialist, Wendy Oshiro.  The conversation includes an overview of what a Reverse Mortgage is, how they work, and things to consider in deciding if a Reverse Mortgage is right for you.
Featuring:  Wendy Oshiro - https://mutualreverse.com/lo/wendy-oshiro/
 
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Talking Diversification

In this Episode of the HI Retirement Show, Jason and Paul discuss “Diversification”.  Their conversation covers what Diversification is, why it is typically an integral part of investments for retirement planning, and how to look at Diversification as it relates to taxes. 
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Talking F.I.R.E. with Cody Garrett

In this Retirement Insights Episode of the HI Retirement Show, Jason and Paul are joined by Cody Garrett, CFP® to talk about F.I.R.E. (Financial Independence Retire Early).  The conversation includes an overview of what F.I.R.E. is and the various forms it comes in.  They also discuss the importance of being intentional with your spending, investing, and retirement planning while at the same time not neglecting all the non-financial aspects of your life.
Featuring:  Cody Garrett, CFP® 
25 Areas of Comprehensive Financial Planning:  https://www.kitces.com/wp-content/uploads/2021/12/02-Advice-Only-Planning-Topic-Areas.png
 
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Q&A: How much will my estimated benefit be for my ERS Pension? How will WEP impact me as a Federal Employee?

Q&A Episode #4:  How much will my estimated benefit be for my ERS Pension?  How will WEP impact me as a Federal Employee?
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State of Hawaii E.R.S. Eligibility

In this Episode of the HI Retirement Show, Jason and Paul breakdown the different age and years of service combinations to be eligible for the State of Hawaii ERS benefits. They discuss the normal and early retirement requirements for the various ERS plans including the Hybrid #1 (prior to July1, 2012), Hybrid #2 (after June 30, 2012), Non-Contributory, and the Contributory plans. 
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FERS Eligibility

In this Episode of the HI Retirement Show, Jason and Paul breakdown the different age and years of service combinations to be eligible for the FERS benefits   This includes the four FERS benefit categories of Immediate, Early, Deferred, and Disability.  
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Talking Medicare with Donne Soga

In this Retirement Insights Episode of the HI Retirement Show, Jason and Paul are joined by Donne Soga of Premier Benefits Consultants to discuss all things Medicare.  The conversation includes an overview of the various parts of Medicare (Part A, B, C, & D),  how to apply for Medicare, things to consider when choosing a Medicare Advantage (Part C) plan,  and reviewing or changing your Medicare Part C coverage.
Featuring:  Donne Soga - https://www.pbchawaii.com/donne
 
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What is Medicare?

In this Episode of the HI Retirement Show, Jason and Paul provide an introduction to Medicare.  They discuss the history of Medicare, how you pay into and receive Medicare, the four main parts to Medicare (Parts A, B, C, & D), how Medicare works in conjunction with other insurance, and what Medicare does not cover. 
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All About Life Insurance

In this Episode of the HI Retirement Show, Jason and Paul talk all about life insurance.  They provide general overview of what life insurance is and discuss the similarities, differences, and general characteristics of the 4 main types of life insurance; Term, Whole Life, Universal Life, and Variable Life.  The episode concludes with a discussion on who needs life insurance and ways to determine how much life insurance someone might need.
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Q&A: I worked for the state for 3 years, what do I do now that I left? Should I put more into my TSP or pay down my mortgage?

Q&A Episode #3: I worked for the state for 3 years, what do I do now that I left?  Should I put more into my TSP or pay down my mortgage?
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All About The 403b

All about the 403b.  In this Episode of the HI Retirement Show, Jason and Paul breakdown the 403b available to the University of Hawaii and Department of Education employees.  The topics covered in this episode include explaining what the 403b plan is, who has access to it, why and how you should contribute, contribution limits, distribution rules at retirement, the importance of naming beneficiaries, and more.
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Retirement Insights with Kaipo Crowell

In this Retirement Insights Episode of the HI Retirement Show, Jason and Paul are joined by Kaipo Crowell.  Kaipo is  the former Nuclear Engineering and Planning Manager at Pearl Harbor Naval Shipyard and currently the Executive Director of Kakou Professional Development.  We discuss the Pearl Harbor Naval Shipyard, how Kaipo views retirement as just another season in life, the importance of financial planning, and having a fulfilling retirement through finding opportunities to serve others. 
Featuring:  Kaipo Crowell - https://www.linkedin.com/in/kaipo-crowell-217a44211/ 
 
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Stages of Financial Life

In this Episode of the HI Retirement Show, Jason and Paul discuss the stages of a financial life as well as the three stages of retirement.  The stages of a financial life are broken-down into the accumulation, transition, and decumulation phases. This episode provides a general overview of the characteristics and things to consider during each phase.
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What is a 401K?

What is a 401K?  In this Episode of the HI Retirement Show, Jason and Paul breakdown the basic characteristics of a 401K. They discuss the rise in popularity of the 401K, Roth vs Traditional,  contribution limits, employer matching, vesting, distributions, RMDs, and more.
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TSP Investment Options

The TSP investment options.   In this Episode of the HI Retirement Show, Jason and Paul breakdown the various funds and investment options available within the Thrift Savings Plan (TSP).  They provide a brief summary of the six core offerings consisting of the G-Fund, I-Fund, S-Fund, C-Fund, F-Fund, and L-Fund.  They also provide some insight and consideration for the recently added TSP Mutual Fund Window. 
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Estate Planning Basics with Travis Agustin

In this Episode of the HI Retirement Show, Jason and Paul are joined by Travis Agustin of Agustin Hawaii Law to breakdown the basics of Estate Planning.  Travis is an Estate Planning attorney based out of Honolulu and provides our listeners with brief overview of the most common documents and considerations within an Estate Plan.  Some of the Estate Planning topics covered include a Will, a Trust, an Advanced Health Care Directive, Powers of Attorney, and more. 
Featuring:  Travis Agustin of Agustin Hawaii Law, LLLC 
 
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All About The 457 (Deferred Compensations Plan)

All about the 457.  In this Episode of the HI Retirement Show, Jason and Paul breakdown the 457 (Deferred Compensation Plan) available to the State of Hawaii and City & County employees.  The topics covered in this episode include explaining what the 457 plan is, who has access to it, why and how you should contribute, contribution limits, distribution rules at retirement, the importance of naming beneficiaries, and more.
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Q&A: What Should I Do With My Old 401k? When Should I Look For Long-Term Care (LTC)?

Q&A Episode: What Should I Do With My Old 401k?  When Should I Look For Long-Term Care (LTC)?  
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What is an Annuity?

What is an Annuity?  In this Episode of the HI Retirement Show, Jason and Paul give a broad overview of what Annuities are. They discuss the fundamentals of annuities including how they work, the different types, the payout options, the risks & fees associated with annuities, and more.
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What is a Pension?

What is a Pension?  In this Episode of the HI Retirement Show, Jason and Paul give a broad overview of what a Pension is. They discuss the history, how they work, how they are taxed, vesting, and more.
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All About The TSP

All About the TSP.   In this Episode of the HI Retirement Show, Jason and Paul breakdown the Thrift Savings Plan (TSP).  The TSP topics covered in this episode include participation, matching contributions, contribution limits, Roth vs Traditional, plan loans, vesting, distribution options at retirement, and beneficiaries. 
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Q&A: Should I Rent or Own in Retirement? Who Really Needs a Financial Advisor?

Q&A Episode #1: Should I Rent or Own in Retirement?  Who Really Needs a Financial Advisor?  
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What is a Roth IRA

What is a Roth IRA?  In our 10th Episode of the HI Retirement Show, Jason and Paul go over what a Roth IRA is. They discuss the tax implications, the contributions limits, who can contribute, withdrawal rules, required minimum distributions, and more.
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Intro to the State of Hawaii Employee Retirement System (ERS)

An introduction to the State of Hawaii Employees Retirement System (ERS).   In the 9th Episode of the HI Retirement Show, Jason and Paul introduce the State of Hawaii Employees Retirement System and what listeners can expect from future ERS episodes.
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What is a Traditional IRA?

What is a Traditional IRA?  In our 8th Episode of the HI Retirement Show, Jason and Paul go over what a Traditional IRA is. They discuss the tax implications, the contributions limits, who can contribute, withdrawal rules, required minimum distributions, and more.
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Intro to the Federal Employees Retirement System ( FERS)

An introduction to the Federal Employees Retirement System (FERS).   In the 7th Episode of the HI Retirement Show, Jason and Paul introduce the Federal Employees Retirement System and what listeners can expect from future FERS episodes.  
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What is a Mutual Fund and an ETF?

What is a Mutual Fund and an ETF?  In our 6th Episode of the HI Retirement Show, Jason and Paul tell us what Mutual Funds and ETFs are and discuss the similarities and differences between the two.
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What is a Bond?

What is a Bond?  In our 5th Episode of the HI Retirement Show, Jason and Paul tell us a little bit about what a bond is, why companies issue bonds, different types of bonds, and some of the characteristics of bonds.
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What is a Stock?

What is a Stock?  In our 4th Episode of the HI Retirement Show, Jason and Paul tell us a little bit about what a stock is, why companies issue stocks, and briefly touch on the different types and characteristics of stocks.
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