Fisher’s 99 Retirement Tips, Part 2: EDU #2609

The Retirement and IRA Show

Jim Saulnier, CFP® & Chris Stein, CFP®

Business, Investing

4.3 • 729 Ratings

🗓️ 4 March 2026

⏱️ 76 minutes

🔗️ Recording | iTunes | RSS

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Summary

Chris’s Summary
Jim and I continue our discussion on 99 Retirement Tips from Fisher Investments, picking up where we left off last week. We cover involving children in financial decisions, the liquidity trade-off of paying off a mortgage early, renting before buying in a new retirement location, lifetime gifts as part of the fun budget, and watching for financial predators including a disputed suggestion that low advisor fees may be a warning sign.

Jim’s “Pithy” Summary
Chris and I are back where we left off, working through Fisher Investments’ 99 Retirement Tips, and there’s still plenty to dig into. Tip 23 makes the case for involving your children in your financial decisions — and the reasons go deeper than most people think about. Tip 26 gets into mortgage payoff, and while we partially agree with what Fisher says about it — paying it down doesn’t change your net worth. But it does change your liquidity, and that distinction is worth considering.

Tip 32 is one I feel personally right now: if you’re relocating in retirement, rent first. Never move anywhere with a vacation mindset. I’m doing it in Ohio as we speak, and I’d tell anyone thinking about a move to do the same. Tip 74 recommends lifetime gifting — and the way we handle it, that spending belongs in your Fun Number budget. There’s no written rule you have to wait until you’re gone to help the people you care about.

And tip 86 covers financial predators, which is largely solid — but there’s one line in there that made my blood boil when I read it. The implication is that an advisor charging lower fees might be a warning sign. I have never seen any consumer advocate say that. The 99 retirement tips review of this particular point raises a question worth sitting with: who exactly benefits from that framing?

The post Fisher’s 99 Retirement Tips, Part 2: EDU #2609 appeared first on The Retirement and IRA Show.

Transcript

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0:23.9	Never make any investment or financial decisions based on information offered on this show without first consulting your financial legal or tax advisor.
0:29.7	Financial planning services offered through Jim Solnior and Associates LLC, a registered investment advisor.
0:47.2	This is the retirement and IRA show coming to you from beautiful Northern Colorado.
0:52.8	Join us as certified financial planner Jim Sonier, as well as Colorado State University Finance Instructor and Certified Financial
0:55.2	Planner Chris Stein teach you about IRAs, borrow-en-case, annuities, Social Security,
1:01.2	pension plans, and estate planning in a fun and enjoyable show. Whether you are listening live in
1:06.9	Colorado or streaming from their website or iTunes podcast, Jim and Chris want you to know that
1:12.4	they're available to help you plan for your retirement.
1:15.4	Just visit their website at JimHelps.com.
1:18.5	That's Jim H-E-L-P-S dot com and click the Meet the Team button on the homepage.
1:24.8	Now here's Jim and Chris with today's show.
1:30.4	Well, hello everybody and welcome to the Retirement and IRA show EDU edition for this week.
1:36.1	This week's show is a continuation from last week. We were kind of walking through a brochure
1:43.2	that many of you may have laid your hands on.
1:46.8	It's entitled 99 retirement tips, something that's been put out for quite a number of years,
1:52.9	although they've updated certain elements of it over the years, from Fisher Investments.
1:58.6	You can obtain your copy free. I'm not wanting to be an advertisement for Fisher investmentsments, you can obtain your copy free.
	...

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