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

Hosted by Tad Hill

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Episodes

152

Latest episode

Jun 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

June 11, 202614 min

Getting To Know The Hill Family: The Personalities Behind Freedom Financial

📅 Are you ready to retire with freedom? Schedule a discovery call: https://askfreedomfinancial.com/schedule-a-call/?utm_source=HeroTad, Toni, and Tyler Hill share funny family stories, personal traits, and the dynamics that shape both their relationships and the way they serve clients. From Tyler’s “see gone” Pringles story to Toni’s unmatched positivity and Tad’s compassionate personality, this conversation offers a lighthearted glimpse into the people behind the planning process and why family values play such a big role in their approach at Freedom Financial.Here’s what we discuss in today’s show:👨‍👩‍👧 The family dynamic behind the business📋 How Tyler’s diligence shapes her planning😊 Why positivity defines Toni❤️ Tad’s compassionate approach to people 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 4, 202613 min

On the House: Should You Downsize to Fund Retirement?

📅 Are you ready to retire with freedom? Schedule a discovery call: https://askfreedomfinancial.com/schedule-a-call/?utm_source=HeroYour home is likely your biggest asset, but when it comes to retirement, it’s also one of the most misunderstood. Many people assume downsizing is the obvious move to free up cash and strengthen their financial plan. But in reality, that decision isn’t always as simple, or as beneficial, as it seems. In this episode, the team walks through real-life scenarios around homeownership in retirement, including downsizing, relocating, and using home equity to support income. Here’s what we discuss in today’s show:📉 Downsizing Myth: Smaller doesn’t always mean more money in your pocket🧮 Financial Tradeoffs: Costs, timing, and lifestyle all matter📊 Planning Matters: The right strategy depends on your full financial picture🚧 Common Barriers: Fear, uncertainty, and complexity hold people back📞 Take Action: Clarity comes from walking through your options 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

May 28, 202614 min

The Healthcare Cost Shock That Can Derail Your Retirement

📅 Are you ready to retire with freedom? Schedule a discovery call: https://askfreedomfinancial.com/schedule-a-call/?utm_source=HeroHealthcare planning isn’t the most exciting part of retirement, but it might be one of the most important. And for a lot of people, it’s the thing that gets pushed off the longest. The problem? When it comes to long-term care, waiting can limit your options or make things significantly more expensive down the road. In this episode, Tad and the team break down what people often misunderstand about long-term care and walk through practical ways to think ahead, so one healthcare event doesn’t throw your entire retirement off track.Here’s what we discuss in today’s show:🏥 Long-Term Care Reality: One of the biggest threats to a retirement plan🧠 Know Your Options: Most people don’t fully understand available solutions🛡️ Life Insurance Strategy: Can provide care benefits or legacy protection📈 Annuity Approach: Income can increase if care is needed🎓 Education Matters: Understanding options leads to better decisions🤝 Spousal Planning: Both partners need to be involved and informed 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

May 21, 202614 min

Delayed Gratification in Retirement: Tax Strategies & Social Security Timing

📅 Are you ready to retire with freedom? Schedule a discovery call: https://askfreedomfinancial.com/schedule-a-call/?utm_source=HeroIn this episode, Tad, Toni, and Tyler discuss the importance of delayed gratification in retirement planning. They explore the potential tax advantages of Roth 401(k) options, strategies to avoid tax traps, and how making strategic decisions today can lead to a more secure future. From the timing of Social Security to the impact of tax-deferred accounts, they explain how planning ahead can help maximize your retirement savings and minimize future tax burdens.Here’s what we discuss in today’s show:💰 Roth 401(k): Pay taxes now to enjoy tax-free growth later 📉 Tax Traps: Avoid tax surprises when withdrawing from traditional retirement accounts ⏳ Delayed Gratification: How waiting can be a strategic move for financial security 💡 Social Security: Starting at 62 vs. waiting until 70 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

May 14, 202613 min

What To Do With a Forgotten 401(k)

📅 Are you ready to retire with freedom? Schedule a discovery call: https://askfreedomfinancial.com/schedule-a-call/?utm_source=HeroA forgotten 401(k) can create more problems than people realize. In this episode, Tad and the team walk through what happens when you leave old retirement accounts behind- and why confusion around rollovers, taxes, and required minimum distributions is so common. They break down the rules in plain English, explain how rollovers can be done without triggering taxes, and share examples of how disorganization can lead to unnecessary stress in retirement. The conversation wraps up with a lighthearted discussion about early video games, particularly the classic Pong.Here’s what we discuss in today’s show:💼 Why old 401(k)s often get overlooked🔄 When and how rollovers actually work🧾 Avoiding unnecessary taxes📉 The chaos multiple RMDs can create🧠 Why “common financial knowledge” often isn’t 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

May 7, 202613 min

Who’s Really Running Your Retirement?

📅 Are you ready to retire with freedom? Schedule a discovery call: https://askfreedomfinancial.com/schedule-a-call/?utm_source=HeroToo many people delay retirement planning because they’re afraid of getting it wrong- but doing nothing is still a decision. In this episode, the team uses wisdom from I Love Lucy to unpack why inaction can quietly hand control of your retirement to taxes, markets, inflation, or politics. The conversation focuses on reclaiming control, simplifying complex decisions, and building a plan that’s intentional.Here’s what we discuss in today’s show:🎭 Inaction Is a Decision – Doing nothing still locks in a plan 🧭 Who’s Really in Control? – Markets, taxes, or you?🧠 Complex ≠ Impossible – The right guide makes it manageable 🛠️ Personalized > Popular – Good ideas aren’t always right for you 🚀 Momentum Matters – Progress beats perfection every time 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

April 30, 202614 min

The Tax Moves That Shape Your Retirement

📅 Are you ready to retire with freedom? Schedule a discovery call: https://askfreedomfinancial.com/schedule-a-call/?utm_source=HeroIn this episode, Tad, Toni, and Tyler explain why tax planning is one of the most overlooked parts of retirement preparation and how relying too heavily on tax-deferred accounts can create serious problems later. They discuss why the assumption of being in a lower tax bracket during retirement often doesn’t hold true, how required distributions can trigger unexpected tax consequences, and why those issues don’t always end with you- but can land squarely on your kids. Tune in as the Hills talk about Roth conversions, Roth 401(k)s, and the importance of building tax-free income while you still have control.Here’s what we discuss in today’s show:♟️ Why the IRS is “playing chess,” not checkers 💣 How tax-deferred accounts can create a retirement tax bomb 🔄 When and why Roth conversions may make sense 👨‍👩‍👧 How today’s tax decisions can impact your children🧾 The difference between tax-deferred and tax-free income 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

April 23, 202613 min

Retirement Lessons You Don’t Want to Learn the Hard Way

📅 Are you ready to retire with freedom? Schedule a discovery call: https://askfreedomfinancial.com/schedule-a-call/?utm_source=HeroThere’s an old saying: smart people learn from their own mistakes, but geniuses learn from the mistakes of others. Drawing from real conversations with families approaching retirement, the Hills explain why retiring “when it feels right” without a strategy can lead to stress, uncertainty, and missed opportunities. They also explore how unexpected job changes, early Social Security decisions, and overspending in the early years can quietly derail an otherwise solid financial picture. Investing like a genius means recognizing these warning signs now, while you still have the time and flexibility to do something about them.Here’s what we discuss in today’s show:⏳ Why retiring too early (by choice or circumstance) can create long-term pressure 🧠 The danger of making irreversible decisions without understanding the trade-offs 🛑 How early Social Security or poor early spending can impact the entire plan🗺️ Why the last 10 years before retirement offer the most planning leverage 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

April 16, 202614 min

Getting To Know The Hill Family: Our Earliest Memories

📅 Are you ready to retire with freedom? Schedule a discovery call: https://askfreedomfinancial.com/schedule-a-call/?utm_source=HeroIn this episode, Tad, Toni, and Tyler step away from the technical side of retirement planning and share something more personal: their earliest memories! They share stories about growing up, stage fright, and learning to step outside your comfort zone.Those experiences naturally connect to a common issue in retirement planning: hesitation. Many people delay getting a plan in place simply because they don’t know where to start or worry about making the wrong move. The Hills explain why taking the first step matters more than having everything figured out.Here’s what we discuss in today’s show:🧠 Tad, Toni, and Tyler’s earliest memories😰 The emotional side of fear, avoidance, and procrastination🚶 Why taking the first step matters more than having all the answers 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

April 9, 202612 min

9 Retirement Questions You Must Answer

📅 Are you ready to retire with freedom? Schedule a discovery call: https://askfreedomfinancial.com/schedule-a-call/?utm_source=Hero As retirement approaches, the questions get louder- and the margin for error gets smaller. In this episode, the conversation centers on a practical “retirement countdown” and the nine key areas every retiree should have clarity on before stepping away from work. From debt freedom and savings shortfalls to portfolio risk, Social Security timing, and income planning, the discussion highlights where most people feel uncertain, and where costly mistakes often hide.A major focus is tax planning, especially understanding Roth 401(k) options, how they differ from traditional retirement accounts, and why tax diversification matters more than ever.Here’s what we discuss in today’s show:⏳ The 9-item retirement countdown checklist 💰 Common savings and cash-flow blind spots🧾 Roth 401(k) vs. traditional 401(k) explained📉 Hidden portfolio risk as retirement nears 🧠 Why tax planning and legacy planning must work 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