Helping you thrive in life and wealth through the MAX RETIREMENTTM Process with Scott Sierens, CFP®

  • Reduce Taxes
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  • Maximize Retirement Income
  • Invest Confidently
  • Optimize Stock Compensation
  • Support Future Generations
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To learn more about how we can help, click this link: https://form.typeform.com/to/jljj5Etg Is $2 million enough to retire at 62? The truth is the number alone won’t determine your success. What matters are the three key factors that can possibly make early retirement work—or cause it to fall apart. In this video, Certified Financial Planner Scott Sierens walks you through a real-world retirement scenario using a case study based on a couple we’ll call John and Lynn. With $2 million saved, they’re asking the big question: Can we retire now, enjoy our lives, and stay retired? You’ll learn: The real cost of early retirement including private health insurance before Medicare Ways to turn savings into a sustainable monthly retirement paycheck Ways to plan for bonus expenses like travel, home renovations, and vehicles What to do when the market drops or unexpected costs arise Building flexibility and guardrails into your retirement plan Why long-term care planning is essential for financial security We’ll show you factors that determine if early retirement is possible—and sustainable—for your lifestyle and goals. Retirement doesn’t have to be a guessing game. With a well-structured plan and the right strategies, you may retire confidently, knowing your money is working for you.
Will $2 Million Last If I Retire at 62?
To learn more about how we can help, click this link: https://form.typeform.com/to/jljj5Etg Have you saved $2 million or more for retirement, but still don’t feel ready to enjoy it? You’re not alone — and it’s not your fault. In this video, Certified Financial Planner Scott Sierens breaks down why hitting your “magic number” for retirement might not bring the freedom you expected — and how to potentially fix it. Scott works with individuals and families who have saved $1 million, $3 million, even $5 million or more, yet still feel anxious about spending. They’re stuck with questions like: “Do I have enough?” “Am I doing it right?” “What if I run out?” In this video, Scott reveals: -Why the $2 million target can give false confidence -The hidden costs of oversaving (including higher taxes and Medicare premiums) -Three common beliefs that keep savers stuck in fear and guilt -How to shift from “phantom poverty” to a confident spending mindset -A step-by-step system to create a clear, flexible retirement income plan You’ll learn ways to define what your money is for, set real lifestyle goals, and build a plan that answers “What if?” before it ever becomes a problem. With the right strategy, you can turn your savings into a tool for freedom — not stress.
The $2M Retirement Savings Target Nobody Warns You About
To learn more about how we can help, click this link: https://form.typeform.com/to/jljj5Etg When you retire, your paycheck stops — and for many people, that may triggers fear. To calm that fear, many rush to claim Social Security at age 62. It feels like the safe move. But what most people don’t realize is that claiming early can potentially create long-term financial tradeoffs that last the rest of your life. In this video, Scott Sierens, CFP®, explains why claiming Social Security at 62 might not be the best decision for your retirement. You will learn: • How claiming early reduces your monthly benefit for life • Why cost-of-living adjustments make waiting even more valuable • The breakeven points and lifetime income tradeoffs of claiming at 62, FRA, or 70 • How early claiming can limit tax planning flexibility and survivor benefits for your spouse • A better way to align your Social Security decision with your overall retirement income plan If you are preparing for retirement, this video will help you understand the hidden costs of claiming too soon and the benefits of waiting. The goal is to give you the clarity you need to make a confident decision.
The Cost Of Claiming At 62 That No One Talks About
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WHAT YOU'LL LEARN

Scott, along with guests from across various industries, will cover topics such as tax savings strategies, investment and wealth management, IRAs, 401(k)s, retirement planning, income strategies, pensions, estate planning, social security, healthcare, and much more.

STRATEGIES

Everyone has different lifestyles, stories and emotions. We'll discuss the proper strategies to accomplish your unique financial goals.

BALANCE

Retirement isn't an age or number. We'll discuss finding the balance between living life today and feeling financially confident about YOUR tomorrow.

SIMPLICITY

We'll take complex financial subjects and make them simple to help you feel confident to take action, enjoy life, and help eliminate financial stress and anxiety.

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MEET YOUR HOST

Scott Sierens is the host of the Your Life, Your Money Podcast. He is a CFP® professional and President of Sierens Financial Group in Elgin, Illinois.

Scott is a graduate of the University of Illinois with a degree in Civil Engineering and worked 14 years in project management before changing careers. Despite enjoying overseeing multimillion-dollar projects, he missed the personal touch of working with individuals and families and wanted to make more of a direct impact on people’s lives. So, he transitioned his strengths in planning and fiscal responsibility into a financial planning career.

Creating an independent practice was important to Scott. No corporate pressures. No sales pressures. Just do what’s right for people. He’s able to provide a comprehensive planning approach and put the best interest of his clients first.

Scott actively participates with the local Big Brothers Big Sisters chapter and Rock Steady Boxing, which teaches boxing to individuals with Parkinson’s Disease. He enjoys spending time with family, working on home renovation projects, hiking, traveling, and taking his cousins on their annual trip to the water park.

If you have any questions for Scott or would like to schedule a 15 minute phone call to discuss your financial situation, don’t hesitate to reach out. Call 847-235-6989 or click the button below.

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Insurance products are offered through the insurance business Sierens Financial Group Inc. Sierens Financial Group Inc. is also an Investment Advisory practice that offers products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Adviser. AEWM does not offer insurance products. The insurance products offered by Sierens Financial Group Inc. are not subject to Investment Adviser requirements. . Neither the firm nor its agents or representatives may give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any purchasing decisions. Investing involves risk, including the potential loss of principal. 2535149 – 08/24