http://www.mcfollingfinancialgroup.com https://financially-tuned.s3.us-east-2.amazonaws.com/public/KIu8sT5Q0lj4OqV1Ik9uAab55blLU6ljDv8awiO1.jpeg http://www.mcfollingfinancialgroup.com en-us Wed, 28 May 2025 19:51:14 +0000 Ray McFolling no McFolling Financial Groupsocial,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,servicesSmall changes, made over time, can produce significant results. Much like a high performance engine, or an entire orchestra, when even a small part is not doing what it is supposed to do, everything suffers. And the same is true of your finances. This show is dedicated to the small things that make a significant difference. When a part of your financial strategy is out of place, your long-term goals, your retirement savings, your legacy all suffer.radio@gradientps.comRay McFolling Sat, 10 Jul 2021 00:00:00 +0000 episode-3672 no Raymond Edward Mcfolling, Jr. full Sat, 10 Jul 2021 00:00:00 +0000 radio@gradientps.com (Ray McFolling)During this episode, we’ll examine scenarios when temporarily pausing saving for retirement may make broader financial sense.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 03 Jul 2021 00:00:00 +0000 episode-3646 no Raymond Edward Mcfolling, Jr. full Sat, 03 Jul 2021 00:00:00 +0000 radio@gradientps.com (Ray McFolling)During this episode, we’ll discuss some of the critical things that life insurance beneficiaries should know, including what happens if a policy has lapsed and when you can expect to receive your payout. Additionally, we discuss the pros and cons of both permanent and term life insurance.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 29 May 2021 00:00:00 +0000 episode-3531 no Raymond Edward Mcfolling, Jr. full Sat, 29 May 2021 00:00:00 +0000 radio@gradientps.com (Ray McFolling)During this episode, we’ll discuss smart financial decisions during two critical chapters of your life: your 20s and 30s and your 50s.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 22 May 2021 00:00:00 +0000 episode-3508 no Raymond Edward Mcfolling, Jr. full Sat, 22 May 2021 00:00:00 +0000 radio@gradientps.com (Ray McFolling)During this episode, we’re going to discuss the benefits of buying a home as well as the benefits of not buying a home.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 15 May 2021 00:00:00 +0000 episode-3477 no Raymond Edward Mcfolling, Jr. full Sat, 15 May 2021 00:00:00 +0000 radio@gradientps.com (Ray McFolling)During this episode, we’re going to really break down 401(k) so that listeners can gain a deeper understanding of their importance.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 08 May 2021 00:00:00 +0000 episode-3447 no Raymond Edward Mcfolling, Jr. full Sat, 08 May 2021 00:00:00 +0000 radio@gradientps.com (Ray McFolling)During today’s episode, we’re going to analyze what steps you should take if 2021 (or a year shortly thereafter) is your year to retire.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 10 Apr 2021 00:00:00 +0000 episode-3348 no Raymond Edward Mcfolling, Jr. full Sat, 10 Apr 2021 00:00:00 +0000 radio@gradientps.com (Ray McFolling)During today’s episode, we’re going to discuss financial new year’s resolutions that may help you enjoy more financial security in 2021.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 03 Apr 2021 00:00:00 +0000 episode-3324 no Raymond Edward Mcfolling, Jr. full Sat, 03 Apr 2021 00:00:00 +0000 radio@gradientps.com (Ray McFolling)Tips on How to Deal with Unexpected Expenses During Retirement.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 27 Mar 2021 00:00:00 +0000 episode-3299 no Raymond Edward Mcfolling, Jr. full Sat, 27 Mar 2021 00:00:00 +0000 radio@gradientps.com (Ray McFolling)Winning the lottery isn’t a retirement plan. But that doesn’t mean some of your dreams are lost.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 20 Mar 2021 00:00:00 +0000 episode-3275 no Raymond Edward Mcfolling, Jr. full Sat, 20 Mar 2021 00:00:00 +0000 radio@gradientps.com (Ray McFolling)In this episode we go over tips and suggestions to help you create a successful retirement budget.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 13 Mar 2021 00:00:00 +0000 episode-3248 no Raymond Edward Mcfolling, Jr. full Sat, 13 Mar 2021 00:00:00 +0000 radio@gradientps.com (Ray McFolling)There are a few things that you can do in light of COVID-19 that will help you understand your path to retirement better and can help you do something besides worry.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 30 Jan 2021 00:00:00 +0000 episode-3080 no Raymond Edward Mcfolling, Jr. full Sat, 30 Jan 2021 00:00:00 +0000 radio@gradientps.com (Ray McFolling)Examining the different types of investment options for retirement planning.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 23 Jan 2021 00:00:00 +0000 episode-3051 no Raymond Edward Mcfolling, Jr. full Sat, 23 Jan 2021 00:00:00 +0000 radio@gradientps.com (Ray McFolling)Wouldn’t it be amazing to have a future version of yourself travel back in time and provide the tips, tricks and suggestions that they had learned in retirement? Time travel may be a ways off but listen to this episode to learn from the experiences of other retirees.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 19 Dec 2020 00:00:00 +0000 episode-2954 no Raymond Edward Mcfolling, Jr. full Sat, 19 Dec 2020 00:00:00 +0000 radio@gradientps.com (Ray McFolling)During this episode, we’re going to look at some of the common financial fears that people nearing retirement often experience and how they can be overcome.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 08 Aug 2020 00:00:00 +0000 episode-2518 no Raymond Edward Mcfolling, Jr. full Sat, 08 Aug 2020 00:00:00 +0000 radio@gradientps.com (Ray McFolling)Women face different hurdles in retirement from men. We break down three of the most common issues.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 01 Aug 2020 00:00:00 +0000 episode-2499 no Raymond Edward Mcfolling, Jr. full Sat, 01 Aug 2020 00:00:00 +0000 radio@gradientps.com (Ray McFolling)Strategies to help avoid outliving your retirementsocial,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 25 Jul 2020 00:00:00 +0000 episode-2477 no Raymond Edward Mcfolling, Jr. full Sat, 25 Jul 2020 00:00:00 +0000 radio@gradientps.com (Ray McFolling)Examining the 5 questions that can help you feel more prepared for retirement.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 18 Jul 2020 00:00:00 +0000 episode-2454 no Raymond Edward Mcfolling, Jr. full Sat, 18 Jul 2020 00:00:00 +0000 radio@gradientps.com (Ray McFolling)In this episode Ray talks about how you can hurt not only your future and your families future without a solid financial strategy and plan. From a great sports analogy to helpful tips, listen to this to get on track.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 11 Jul 2020 00:00:00 +0000 episode-2436 no Raymond Edward Mcfolling, Jr. full Sat, 11 Jul 2020 00:00:00 +0000 radio@gradientps.com (Ray McFolling)Breaking down nine common misconceptions about retirement saving and investing.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 06 Jun 2020 00:00:00 +0000 episode-2344 no Raymond Edward Mcfolling, Jr. full Sat, 06 Jun 2020 00:00:00 +0000 radio@gradientps.com (Ray McFolling)Tips and strategies to avoid running out of money in retirement.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 02 May 2020 00:00:00 +0000 episode-2249 no Raymond Edward Mcfolling, Jr. full Sat, 02 May 2020 00:00:00 +0000 radio@gradientps.com (Ray McFolling)Where does your money go each month? How much are you spending on dining out, entertainment, or your hobbies? If you can’t answer that question, it might be time for a budget.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 18 Apr 2020 00:00:00 +0000 episode-2212 no Raymond Edward Mcfolling, Jr. full Sat, 18 Apr 2020 00:00:00 +0000 radio@gradientps.com (Ray McFolling)Annuities can be confusing and have many different options. So today we are going to talk about what they are and simplifying the concept of an annuity.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 29 Feb 2020 00:00:00 +0000 episode-2065 no Raymond Edward Mcfolling, Jr. full Sat, 29 Feb 2020 00:00:00 +0000 radio@gradientps.com (Ray McFolling)A rainy day can ruin your mood, a downturn in investments can make you want to panic. Here’s strategies to help avoid both.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 22 Feb 2020 00:00:00 +0000 episode-2047 no Raymond Edward Mcfolling, Jr. full Sat, 22 Feb 2020 00:00:00 +0000 radio@gradientps.com (Ray McFolling)Examining tips you can take in the last few months before retirement to set you up for “playoff” success.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 18 Jan 2020 00:00:00 +0000 episode-1950 no Raymond Edward Mcfolling, Jr. full Sat, 18 Jan 2020 00:00:00 +0000 radio@gradientps.com (Ray McFolling)After the water recedes and the fires are out. How will your document’s fair?social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 11 Jan 2020 00:00:00 +0000 episode-1933 no Raymond Edward Mcfolling, Jr. full Sat, 11 Jan 2020 00:00:00 +0000 radio@gradientps.com (Ray McFolling)Women face different hurdles in retirement from men. We break down three of the most common issues.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 04 Jan 2020 00:00:00 +0000 episode-1921 no Raymond Edward Mcfolling, Jr. full Sat, 04 Jan 2020 00:00:00 +0000 radio@gradientps.com (Ray McFolling)So many celebrities die without a will or a legacy plan in place. We discuss how to avoid this and other legacy planning mistakes.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 28 Dec 2019 00:00:00 +0000 episode-1911 no Raymond Edward Mcfolling, Jr. full Sat, 28 Dec 2019 00:00:00 +0000 radio@gradientps.com (Ray McFolling)Examining the 5 questions that can help you feel more prepared for retirement.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 21 Dec 2019 00:00:00 +0000 episode-1898 no Raymond Edward Mcfolling, Jr. full Sat, 21 Dec 2019 00:00:00 +0000 radio@gradientps.com (Ray McFolling)Retirement timing is different for everyone. You should have a plan so you avoid a rash and potentially costly decision. Halftime likely isn’t the right time.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 09 Nov 2019 00:00:00 +0000 episode-1806 no Raymond Edward Mcfolling, Jr. full Sat, 09 Nov 2019 00:00:00 +0000 radio@gradientps.com (Ray McFolling)How the Tax Cuts and Jobs Act of 2017 will impact alimony and retirement accounts through new rules.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 26 Oct 2019 00:00:00 +0000 episode-1779 no Raymond Edward Mcfolling, Jr. full Sat, 26 Oct 2019 00:00:00 +0000 radio@gradientps.com (Ray McFolling)Breaking down nine common misconceptions about retirement saving and investing.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 19 Oct 2019 00:00:00 +0000 episode-1765 no Raymond Edward Mcfolling, Jr. full Sat, 19 Oct 2019 00:00:00 +0000 radio@gradientps.com (Ray McFolling)Breaking down three costly issues you might not be planning for in retirement.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 12 Oct 2019 00:00:00 +0000 episode-1752 no Raymond Edward Mcfolling, Jr. full Sat, 12 Oct 2019 00:00:00 +0000 radio@gradientps.com (Ray McFolling)Three ways to help you recover from a slow or unorganized plan for retirement.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 07 Sep 2019 00:00:00 +0000 episode-1679 no Raymond Edward Mcfolling, Jr. full Sat, 07 Sep 2019 00:00:00 +0000 radio@gradientps.com (Ray McFolling)Pump up your retirement strategy with this 4 step workout.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 31 Aug 2019 00:00:00 +0000 episode-1666 no Raymond Edward Mcfolling, Jr. full Sat, 31 Aug 2019 00:00:00 +0000 radio@gradientps.com (Ray McFolling)Tax Free Retirement, WFLA, November 21, 2020social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 24 Aug 2019 00:00:00 +0000 episode-1653 no Raymond Edward Mcfolling, Jr. full Sat, 24 Aug 2019 00:00:00 +0000 radio@gradientps.com (Ray McFolling)Tax Free Retirement, WFLA, November 14, 2020social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 22 Jun 2019 00:00:00 +0000 episode-1528 no Raymond Edward Mcfolling, Jr. full Sat, 22 Jun 2019 00:00:00 +0000 radio@gradientps.com (Ray McFolling)Modern life can throw a lot of distractions in our paths. We can be so caught up in chasing the moment, that we endanger our future, both physical and financial.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 01 Jun 2019 00:00:00 +0000 episode-1477 no Raymond Edward Mcfolling, Jr. full Sat, 01 Jun 2019 00:00:00 +0000 radio@gradientps.com (Ray McFolling)Market volatility often feels like a rumbling volcano that could erupt at any time. It’s time to make sure your Market Volatility Emergency Plan is in place.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services Sat, 25 May 2019 00:00:00 +0000 episode-1463 no Raymond Edward Mcfolling, Jr. full Sat, 25 May 2019 00:00:00 +0000 radio@gradientps.com (Ray McFolling)Everyone enjoys a good underdog story. James Harrison was told he was too small, too slow, and didn’t have what it took to make it in the NFL. Harrison retired as the All-Time Sack Leader in Puttsburgh Steeler’s History. Is your retirement at a crossroads? Do you feel that you retirement is over even before it has begun? It may not be too late. Just like Harrison you need a plan and regime.social,security,roth,ira,401k,medicare,medicaid,long,term,care,annuity,insurance,securities,investing,advisory,services