Retire With Freedom: Featuring Freedom Financial Group's Toni, Tyler & Tad Hill

Hosted by Tad Hill

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Episodes

162

Latest episode

Oct 2026

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EN-US

About the show

Join us each week for important financial and retirement planning guidance on the Retire With Freedom Podcast with Tad Hill, RFC®, CRPC®, Toni Hill, RFC®, and Tyler Hill RFC® of Freedom Financial Group. Tad, Toni, and Tyler will talk about important topics related to your IRAs, 401(k)s, Social Security, and more. They'll help you understand things like market volatility, risk, annuities, and so much more. Freedom Financial Group helps you manage all the pieces of your retirement plan so you can retire with confidence. If you'd like to contact the team, call 205-988-0006 or visit them online at https://www.askfreedomfinancial.com/ to start your conversation today! Investment advisory products and services made available through AE Wealth Management, LLC (AEWM), a Registered Investment Advisor. 1768991- 4/23

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60 recent

October 8, 202612 min

Retirement Mistakes That Can Wreck Your Future (And How to Fix Them)

📅 Are you ready to retire with freedom? Schedule a discovery call: https://askfreedomfinancial.com/schedule-a-call/?utm_source=Hero Retirement planning can feel complicated, but the right plan should make your choices simpler, not harder. In part two of this conversation on avoiding common retirement mistakes, Toni and Tyler unpack how retirees can unintentionally create problems by being too cautious, too aggressive, or by making big decisions that aren’t connected to an overall strategy. They also explain why both spouses need to understand the plan, even if one person has traditionally handled the finances. A little education and better communication can go a long way toward building a retirement that works for both of you. Here’s what we discuss in today’s show: 🧩 Simplifying complicated financial topics so they’re easier to understand 👥 Making sure both spouses understand the retirement plan 🎓 The five key areas of retirement planning 💵 The downside of keeping too much money in cash ⚖️ Avoiding portfolios that are too aggressive or too conservative 🔄 Adjusting your retirement plan as life and circumstances change Resources: ✨ We can assist you on your journey to financial freedom: https://www.askfreedomfinancial.com/ 📞 Phone: 205.988.0006 📅 Schedule a Discovery Call: https://askfreedomfinancial.com/contact/?utm_source=Hero 🎓 Attend a Course: https://askfreedomfinancial.com/attend-an-event/?utm_source=Hero 🎥 Watch the Podcast on YouTube: https://www.youtube.com/playlist?list=PLEcHKcOSu6_m7cG9adV8xHTXLtH5g9M9t

September 24, 202613 min

Avoid These Common Retirement Planning Mistakes

📅 Are you ready to retire with freedom? Schedule a discovery call: https://askfreedomfinancial.com/schedule-a-call/?utm_source=Hero Retirement mistakes often happen when individual decisions are made without considering how the entire plan fits together. In this episode, Tyler and Toni discuss why retirement income deserves more attention than investment returns, how Social Security timing can affect long-term security, and why financial advice should be customized to your situation. They also explain how coordinating income, investments, taxes, healthcare, and legacy planning can create greater confidence as you prepare to leave the workforce. Here’s what we discuss in today’s show: ⚖️ Why retirement income matters more than chasing the highest returns 📈 Balancing continued growth with dependable income ⏳ Why Social Security shouldn’t be claimed without a strategy 👥 The risks of following financial advice from friends and family 🧩 Why every part of your retirement plan needs to fit together Resources: ✨ We can assist you on your journey to financial freedom: https://www.askfreedomfinancial.com/ 📞 Phone: 205.988.0006 📅 Schedule a Discovery Call: https://askfreedomfinancial.com/contact/?utm_source=Hero 🎓 Attend a Course: https://askfreedomfinancial.com/attend-an-event/?utm_source=Hero 🎥 Watch the Podcast on YouTube: https://www.youtube.com/playlist?list=PLEcHKcOSu6_m7cG9adV8xHTXLtH5g9M9t

September 10, 202613 min

The Movie Characters That Match Our Personalities

📅 Are you ready to retire with freedom? Schedule a discovery call: https://askfreedomfinancial.com/schedule-a-call/?utm_source=Hero Which movie character best matches your personality? Tad and Tyler step away from retirement planning for a lighthearted conversation about family, personalities, childhood stories, and Tad’s insistence that he has something in common with Billy Bob Thornton’s character in Landman . Tyler shares why she identifies with Pocahontas, while the two reflect on family traditions and the funny stories that become lasting memories. Here’s what we discuss in today’s show: 🎬 Why Tad relates to Billy Bob Thornton’s Landman character 🤸 Tyler’s childhood gymnastics story 🏹 Why Pocahontas best matches Tyler’s personality Resources: ✨ We can assist you on your journey to financial freedom: https://www.askfreedomfinancial.com/ 📞 Phone: 205.988.0006 📅 Schedule a Discovery Call: https://askfreedomfinancial.com/contact/?utm_source=Hero 🎓 Attend a Course: https://askfreedomfinancial.com/attend-an-event/?utm_source=Hero 🎥 Watch the Podcast on YouTube: https://www.youtube.com/playlist?list=PLEcHKcOSu6_m7cG9adV8xHTXLtH5g9M9t

August 27, 202613 min

Your Retirement Isn't Like Your Neighbor's

📅 Are you ready to retire with freedom? Schedule a discovery call: https://askfreedomfinancial.com/schedule-a-call/?utm_source=Hero Do your retirement savings really measure up- or are you comparing yourself to the wrong people? Tad and Tyler explain why comparing your nest egg to friends, coworkers, or online "rules of thumb" can lead to costly mistakes. They break down why your spending habits, retirement income sources, and personal goals matter far more than hitting an arbitrary savings number. Here’s what we discuss in today’s show: 💰 Why comparing retirement savings is misleading 📊 The biggest factor people underestimate: spending 🧮 Why "you need $1 million" is a myth 📉 The danger of relying on retirement rules of thumb 👥 Why advice from friends and coworkers can backfire Resources: ✨ We can assist you on your journey to financial freedom: https://www.askfreedomfinancial.com/ 📞 Phone: 205.988.0006 📅 Schedule a Discovery Call: https://askfreedomfinancial.com/contact/?utm_source=Hero 🎓 Attend a Course: https://askfreedomfinancial.com/attend-an-event/?utm_source=Hero 🎥 Watch the Podcast on YouTube: https://www.youtube.com/playlist?list=PLEcHKcOSu6_m7cG9adV8xHTXLtH5g9M9t

August 13, 202614 min

Why Retirement Is Harder Now Than Ever

📅 Are you ready to retire with freedom? Schedule a discovery call: https://askfreedomfinancial.com/schedule-a-call/?utm_source=Hero Retirement today looks very different than it did for previous generations. With pensions disappearing, lower interest rates, and growing uncertainty around income, retirees face challenges their parents never had to navigate. In this episode, Tad and Tyler Hill explain why retirement planning has become more complex, the biggest mistake they see people make with pension lump sums, and why shifting from growing your money to generating reliable retirement income requires a completely different strategy. Here’s what we discuss in today’s show: 🏦 The disappearing pension problem ⚠️ The biggest mistake people make with pension lump sums 📉 How market downturns can derail retirement income 🚫Why Social Security usually isn't enough 🔄 The mindset shift from growth to income 🧩 The five pieces of a complete retirement plan Resources: ✨ We can assist you on your journey to financial freedom: https://www.askfreedomfinancial.com/ 📞 Phone: 205.988.0006 📅 Schedule a Discovery Call: https://askfreedomfinancial.com/contact/?utm_source=Hero 🎓 Attend a Course: https://askfreedomfinancial.com/attend-an-event/?utm_source=Hero 🎥 Watch the Podcast on YouTube: https://www.youtube.com/playlist?list=PLEcHKcOSu6_m7cG9adV8xHTXLtH5g9M9t

July 30, 202611 min

Retirement Planning Lessons from Arnold Schwarzenegger

📅 Are you ready to retire with freedom? Schedule a discovery call: https://askfreedomfinancial.com/schedule-a-call/?utm_source=Hero What does Arnold Schwarzenegger have to do with retirement planning? More than you might think. In this episode, Tad and Tyler Hill explore how vision, preparation, and taking action can help turn retirement goals into reality. They discuss why so many people underestimate their readiness for retirement, the value of having a clear financial roadmap, and why waiting too long to create a plan can limit your options. Here’s what we discuss in today’s show: 🚀 Why retirement success starts with a clear vision ⏳ Why waiting to plan can create unnecessary stress 🛠️ How a retirement plan helps answer life's biggest financial questions 🎯 The importance of taking the first step before retirement arrives Resources: ✨ We can assist you on your journey to financial freedom: https://www.askfreedomfinancial.com/ 📞 Phone: 205.988.0006 📅 Schedule a Discovery Call: https://askfreedomfinancial.com/contact/?utm_source=Hero 🎓 Attend a Course: https://askfreedomfinancial.com/attend-an-event/?utm_source=Hero 🎥 Watch the Podcast on YouTube: https://www.youtube.com/playlist?list=PLEcHKcOSu6_m7cG9adV8xHTXLtH5g9M9t

July 16, 202613 min

What We'd Be Doing If We Didn't Work in Finance

📅 Are you ready to retire with freedom? Schedule a discovery call: https://askfreedomfinancial.com/schedule-a-call/?utm_source=Hero What would Tad, Toni, and Tyler teach if retirement planning weren't an option? In this lighthearted and personal episode, the Hill family shares the passions they'd pursue in a classroom setting. From Bible studies and accountability groups to music theory, guitar lessons, and the art of staying organized, the conversation reveals the hobbies, values, and life lessons that shape who they are outside the office. Here’s what we discuss in today’s show: 📖 Tyler shares why she'd teach a Bible study 🎸 Tad explains how anyone can learn music with practice 🤝 Why accountability helps overcome procrastination 🧹 Toni's philosophy on organization, consistency, and maintenance Resources: ✨ We can assist you on your journey to financial freedom: https://www.askfreedomfinancial.com/ 📞 Phone: 205.988.0006 📅 Schedule a Discovery Call: https://askfreedomfinancial.com/contact/?utm_source=Hero 🎓 Attend a Course: https://askfreedomfinancial.com/attend-an-event/?utm_source=Hero 🎥 Watch the Podcast on YouTube: https://www.youtube.com/playlist?list=PLEcHKcOSu6_m7cG9adV8xHTXLtH5g9M9t

July 2, 202612 min

Retirement Decisions You Can't Afford to Get Wrong

📅 Are you ready to retire with freedom? Schedule a discovery call: https://askfreedomfinancial.com/schedule-a-call/?utm_source=Hero Retirement is filled with big financial decisions, and many people don't realize just how many choices can impact their future. In this episode, Tad, Toni, and Tyler Hill discuss the key retirement questions everyone should be asking- from taxes and income planning to spending habits and avoiding costly mistakes. They also explain why so many retirees underestimate their expenses and how procrastination can become one of the biggest threats to a successful retirement. Here’s what we discuss in today’s show: 🛒 How much can you safely spend in retirement? 📊 Why many retirees underestimate their actual expenses 🧾 The tax challenges of 401(k)s and IRAs 🏠 Should you pay off your mortgage before retirement? ⏳ Why procrastination can derail your retirement plan 🛡️ Building confidence that your money will last Resources: ✨ We can assist you on your journey to financial freedom: https://www.askfreedomfinancial.com/ 📞 Phone: 205.988.0006 📅 Schedule a Discovery Call: https://askfreedomfinancial.com/contact/?utm_source=Hero 🎓 Attend a Course: https://askfreedomfinancial.com/attend-an-event/?utm_source=Hero 🎥 Watch the Podcast on YouTube: https://www.youtube.com/playlist?list=PLEcHKcOSu6_m7cG9adV8xHTXLtH5g9M9t

June 25, 202614 min

Retirement Questions Keeping People Up at Night

📅 Are you ready to retire with freedom? Schedule a discovery call: https://askfreedomfinancial.com/schedule-a-call/?utm_source=Hero Retirement is supposed to feel exciting… so why does it create so much stress? In this episode, Tad, Toni, and Tyler Hill unpack the emotional and financial pressure that often comes with preparing for retirement. From replacing a paycheck and deciding when to claim Social Security to healthcare concerns, taxes, and long-term care planning, they explain why retirement can feel overwhelming without a clear strategy. Here’s what we discuss in today’s show: 💸 Replacing your paycheck in retirement 📊 Social Security timing strategies 🏥 Planning for healthcare and long-term care 🧾 How taxes impact retirement income ✈️ Building retirement around your dream lifestyle 🧠 Reducing financial stress with a plan Resources: ✨ We can assist you on your journey to financial freedom: https://www.askfreedomfinancial.com/ 📞 Phone: 205.988.0006 📅 Schedule a Discovery Call: https://askfreedomfinancial.com/contact/?utm_source=Hero 🎓 Attend a Course: https://askfreedomfinancial.com/attend-an-event/?utm_source=Hero 🎥 Watch the Podcast on YouTube: https://www.youtube.com/playlist?list=PLEcHKcOSu6_m7cG9adV8xHTXLtH5g9M9t

June 18, 202613 min

Are Your Investments Creating a Retirement Tax Trap?

📅 Are you ready to retire with freedom? Schedule a discovery call: https://askfreedomfinancial.com/schedule-a-call/?utm_source=Hero If you’ve built wealth in after-tax investment accounts, you may be sitting on a hidden retirement problem: trapped money with a large capital gains tax bill attached to it. Tad, Toni, and Tyler explain why highly appreciated brokerage accounts can create difficult retirement decisions and why proactive planning matters before you stop working. They walk through the difference between tax-deferred and non-qualified accounts, strategies for managing capital gains over time, and why having both a retirement plan and a contingency plan can dramatically reduce stress when life changes unexpectedly. Here’s what we discuss in today’s show: 🔒 Trapped investment dollars 📈 Capital gains tax surprises 🧾 Tax-deferred vs after-tax accounts 🛠️ Strategies to reduce tax impact 🗺️ Why retirement needs a contingency plan Resources: ✨ We can assist you on your journey to financial freedom: https://www.askfreedomfinancial.com/ 📞 Phone: 205.988.0006 📅 Schedule a Discovery Call: https://askfreedomfinancial.com/contact/?utm_source=Hero 🎓 Attend a Course: https://askfreedomfinancial.com/attend-an-event/?utm_source=Hero 🎥 Watch the Podcast on YouTube: https://www.youtube.com/playlist?list=PLEcHKcOSu6_m7cG9adV8xHTXLtH5g9M9t