Episodes

Investment Scams Are Becoming More Sophisticated Episode 285 – Once again, the IRS has come out with its “Dirty Dozen” tax scams. Don’t be a victim! More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 285 Hello this is Bill Rainaldi, with another edition of Security Mutual’s SML Planning Minute. In today’s episode, investment scams are becoming more sophisticated, and the IRS has some suggestions. The IRS has once again published its “Dirty Dozen” tax scams. These are a v...

10 Common Mistakes Made with Life Insurance Beneficiary Designations, Revisited – Part 2 Episode 284 – Mistakes are commonly made on life insurance policy beneficiary designations. Life events also necessitate changes, which is why regular reviews are important. Here are 5 more of the most common mistakes. Transcript of Podcast Episode 284 Download The Transcript/Flyer More SML Planning Minute Podcast Episodes This podcast is brought to you by Security Mutual Life Insurance Company of New Y...

10 Common Mistakes Made with Life Insurance Beneficiary Designations, Revisited – Part 1 Episode 283 – Mistakes are commonly made on life insurance policy beneficiary designations. Life events also necessitate changes, which is why regular reviews are important. Here are 5 of the 10 most common mistakes. Transcript of Podcast Episode 283 Download The Transcript/Flyer More SML Planning Minute Podcast Episodes This podcast is brought to you by Security Mutual Life Insurance Company of New Yor...

IRS Delays RMD Rules Again Episode 282 – The IRS, again, provides relief to individuals who inherited traditional IRAs and waives 2024 required minimum distributions for IRAs inherited in 2020 or later. More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 282 Hello this is Bill Rainaldi, with another edition of Security Mutual’s SML Planning Minute. In today’s episode, IRS Delays RMD Rules Again. On December 20, 2019, the “Setting Every Community Up for Retirement Enhancem...

Do You Rely on Your Spouse (Particularly Your Husband) to Make Financial Decisions? Episode 281 – If you’re married, do you rely solely on your spouse (particularly your husband) to make financial decisions? Don’t! Avoid the widowhood penalty! More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 281 Download The Transcript/Flyer More SML Planning Minute Podcast Episodes This podcast is brought to you by Security Mutual Life Insurance Company of New York, The Company That...

What’s Going to Happen with O.J. Simpson’s Estate? Episode 280 – The death of O.J. Simpson in April raises a lot of questions. How much money did he really have? And where will it all go? More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 280 Hello this is Bill Rainaldi, with another edition of Security Mutual’s SML Planning Minute. In today’s episode, what’s going to happen with O.J. Simpson’s estate? The unexpected death of the controversial football legend on April 10...

Why Everyone Needs an Estate Plan Episode 279 – Estate planning is the process of protecting your wealth and transferring a legacy to your heirs in the manner you wish. Everyone needs an estate plan regardless of wealth or lack of exposure to estate taxes. More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 279 Download The Transcript/Flyer More SML Planning Minute Podcast Episodes This podcast is brought to you by Security Mutual Life Insurance Company of New York, The...

Making the Right Choices With Your Wealth Revisited Episode 278 – Regardless of what you want to do with your wealth, such as leaving it to family, charity, government, or spending it all, you will need to plan for your intended outcome. Doing nothing is not going to work. More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 278 Download The Transcript/Flyer More SML Planning Minute Podcast Episodes This podcast is brought to you by Security Mutual Life Insurance Company...

The Social Security Administration (SSA) Gets It Right Episode 277 – After many years, the Social Security Administration (SSA) has finally taken steps to fix the problem it has referred to as “clawback cruelty.” More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 277 Download The Transcript/Flyer More SML Planning Minute Podcast Episodes This podcast is brought to you by Security Mutual Life Insurance Company of New York, The Company That Cares®. The content provided i...

Fair Versus Equal – What’s the Legacy You Want to Leave to Your Children? – Revisited Episode 276 – Fair vs equal. Leaving your estate in equal shares to each of your children may not necessarily be the most beneficial or effective for your children. More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 276 Download The Transcript/Flyer More SML Planning Minute Podcast Episodes This podcast is brought to you by Security Mutual Life Insurance Company of New York, The Compa...

Social Media May Be Hurting Your Finances Episode 275 – There’s a growing phenomenon in our society: the tendency to live beyond our means simply to impress others. It doesn’t bode well for the future. More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 275 Hello this is Bill Rainaldi, with another edition of Security Mutual’s SML Planning Minute. In today’s episode, social media may be hurting the finances of millions of Americans, especially the younger generations. Did...

Is Phased Retirement Right for You? Episode 274 – Recent trends indicate that the concept of phased retirement is becoming more popular. Is it right for you? More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 274 Hello this is Bill Rainaldi, with another edition of Security Mutual’s SML Planning Minute. In today’s episode, is phased retirement right for you? The concept of retirement has changed dramatically over the last few decades. The rise of the 401(k), the fall of ...

How to Act Like a Wealthy Person Episode 273 – You may or may not be wealthy, but realize that either way, your attitudes and behavior send an implicit message. More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 273 Hello this is Bill Rainaldi, with another edition of Security Mutual’s SML Planning Minute. In today’s episode, how to act like a wealthy person. There’s a saying: The way to become what you want to be is to act like you’re already there. In other words, fake...

Combating Identity Theft Episode 272 – Despite so many sincere efforts, identity theft continues to be a high-profile nuisance. Is there anything you can do about it? The Social Security Administration has some ideas. More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 272 Hello this is Bill Rainaldi, with another edition of Security Mutual’s SML Planning Minute. In today’s episode, Combating Identity Theft. Despite tighter security with online transactions, such as more ...

Concern About Generation Z Episode 271 – Are young people spending too much money? “Doom spending” has become an increasingly serious concern. Here are some ideas on how to cope with it. More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 271 Hello this is Bill Rainaldi, with another edition of Security Mutual’s SML Planning Minute. In today’s episode, are young people spending too much money? A recent article published by Bloomberg[1] indicates that in many cases, they a...

Are You Ready For the 2026 Estate Tax Sunset? Episode 270 – Most Americans have not paid too much attention to estate taxes, or “death taxes”, as the mass media likes to call it. But moderately or very wealthy people need to . . . now! Transcript of Podcast Episode 270 Download The Transcript/Flyer More SML Planning Minute Podcast Episodes This podcast is brought to you by Security Mutual Life Insurance Company of New York, The Company That Cares®. The content provided is intended for educa...

Not Just A Prenup: How to Protect Your Estate Before You Get Married Again Episode 269 – The rate of so-called “gray divorce” has doubled since 1990. How do you protect your assets if you decide to get re-married? Sometimes it’s more than just a prenup. More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 269 Hello this is Bill Rainaldi, with another edition of Security Mutual’s SML Planning Minute. In today’s episode, how to protect your estate before you get married for ...

How Life Insurance Can Help with a Blended Family Episode 268 – The recent death of Senator Dianne Feinstein has brought attention to the dilemma faced by blended families. Life insurance can be a great tool to help smooth over some rough patches. More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 268 Hello this is Bill Rainaldi, with another edition of Security Mutual’s SML Planning Minute. In today’s episode, life insurance and blended families. Research indicates that...

Are These the Good Old Days? Episode 267 – There’s bad news everywhere you look. Political polarization in the USA, war in the Middle East, and natural disasters all over the place. But what if things are actually better than we realize? Here are some reasons to celebrate. More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 267 Hello this is Bill Rainaldi, with another edition of Security Mutual’s SML Planning Minute. In today’s episode, are these “the good old days?” You...

Study Indicates that Half of Older Americans May Unretire Episode 266 – Is early retirement a realistic goal for many people? A new study indicates that half of older Americans are considering either returning to the workforce or staying employed longer than they first planned. More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 266 Hello this is Bill Rainaldi, with another edition of Security Mutual’s SML Planning Minute. In today’s episode, a new study indicates that ha...

Estate Planning and Sibling Rivalry Episode 265 – Previously dormant sibling rivalries tend to turn up when large sums of money are at stake. What estate planning steps can you take to help minimize the problem? More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 265 Hello this is Bill Rainaldi, with another edition of Security Mutual’s SML Planning Minute. In today’s episode, we’ll be discussing estate planning and sibling rivalry. So much has been written in the past fe...

Five Important Financial Truths about Millennials Revisited Episode 264 – It’s hard to believe, but the oldest millennials are already approaching middle age. What makes them different from a financial point of view? More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 264 Hello this is Bill Rainaldi, with another edition of Security Mutual’s SML Planning Minute. In today’s episode, we take a look back at one of our favorite previous episodes, five important financial trut...

Problems at the Social Security Administration Episode 263 – The program 60 Minutes recently took on the problem of overpayments by the Social Security Administration, and raised some interesting points. More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 263 Hello this is Bill Rainaldi, with another edition of Security Mutual’s SML Planning Minute. In today’s episode, Problems at the Social Security Administration. A recent installment of the show 60 Minutes focused on t...

The Unique Challenges Faced by the “Sandwich” Generation Episode 262 – The “Sandwich” Generation, people taking care of both parents and children at the same time, are subject to some unique challenges. More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 262 Hello this is Bill Rainaldi, with another edition of Security Mutual’s SML Planning Minute. In today’s episode: the unique challenges faced by the “Sandwich Generation”. Believe it or not, over the last fifty years, t...