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My Smart Retirement


Whether you are planning to retire someday, or find yourself already there, you know there’s lots of advice swirling around - some dangerous, some making outrageous claims. Where do you go? Who can you trust? How do you avoid the danger zone? Nancy Fleming with Fleming Financial Services features a weekly show that offers sound, practical solutions to these concerns and more. New episodes offered every Saturday.

Whether you are planning to retire someday, or find yourself already there, you know there’s lots of advice swirling around - some dangerous, some making outrageous claims. Where do you go? Who can you trust? How do you avoid the danger zone? Nancy Fleming with Fleming Financial Services features a weekly show that offers sound, practical solutions to these concerns and more. New episodes offered every Saturday.


Mesa, AZ


Whether you are planning to retire someday, or find yourself already there, you know there’s lots of advice swirling around - some dangerous, some making outrageous claims. Where do you go? Who can you trust? How do you avoid the danger zone? Nancy Fleming with Fleming Financial Services features a weekly show that offers sound, practical solutions to these concerns and more. New episodes offered every Saturday.




3651 E. Baseline Road, #E111 Gilbert, Arizona 85234 480-632-8770


Ep 336: “The Great Resignation” and How it Could Impact You

With the new year comes fresh starts. Maybe you are thinking of changing careers or retiring early. A recent Forbes article names the rise in people quitting their jobs the “The Great Resignation.” On today’s episode, we’ll explain this term and what it can mean for your retirement. 4.2 million people quit their jobs in October of 2021 alone. A lot of workers were able to re-evaluate their working lives these past few years. Many don’t want to commute back to the office. People are starting...


Ep 335: Money Resolutions for 2022

Do you have your 2022 goals and resolutions ready? Even if you can’t keep up with all of these throughout the year, try revisiting them and see how you can implement them within your life and financial plan. Reduce Your Debt – This one is different for everyone. Whether you have student loan debt, consumer debt, or another type of debt it’s always a good idea to pay down debt. Increase Your Savings – Once debt is out of the way this is much easier and can be done in a variety of ways....


Ep 334: Christmas Gifts to Yourself

Christmas is just around the corner! On today’s episode, we’ll be discussing some of the things we can do as a gift to ourselves when it comes to retirement planning and our finances. Don’t Overreact to the Headlines Headlines come in a variety of forms. Make sure you aren’t overreacting to what you hear or read on the news. Particularly if it’s political or financial. Stay calm within yourself and make sure you are looking at things from a clear perspective. A lot of financial news is...


Ep 333: Social Security and Income Taxes

After paying into the system throughout your working career, many people believe that their Social Security benefits will be tax-free income in retirement. But the truth is you could end up owing quite a bit more depending on what other income you are generating. We recently received a question from a couple that was trying to decide when to claim their Social Security if the other spouse wants to continue working. It’s a great question and one that needs time and attention so we’re glad...


Ep 333: Statements We Come to Regret

Have you ever said something you’ve come to regret? There are a lot of statements about retirement we may make and look back on with second thoughts. Let’s take a look at some of these statements today and discuss some better ways to think about these topics. “I said I would get out of the market if I recovered my losses. But now that I have, I think I will continue doing what I’m doing.” A lot of people probably told themselves they’d get out of the market if they ever recovered what they...


Ep 332: What Personal Finance Means to Retirement

We all have some sort of understanding when it comes to personal finance. If you’re reading this or listening to the podcast, you’re probably above average when it comes to taking care of your money. But there’s more to it than most people assume. Personal finance refers to how you manage your money and how you plan for the future. It’s not just the budgeting side of things. And when you take care of your personal finances, you’re setting yourself up for retirement success. We’ve had a...


Ep 331: Does Money Make You Happy?

Are you spending your money in a way that makes you happy? We all know the saying, "money can't buy happiness". However, studies have shown that the way we spend our money really does impact our overall happiness. On today's show, we will be going over some spending principles and their impact on our life. A lot of people win the lottery only to find out they are still unhappy once they are rich. So, what is the secret balance? You can't just throw your money against a wall. Buy more...


Ep 330: Traditions and Thanksgiving

Happy Thanksgiving! As we enter the holiday season, we start to think of traditions more and more often. Maybe you always made cookies with your grandmother or perhaps she told you stories about the Mayflower on Thanksgiving. On today's episode, we are going to talk about the first pilgrims and their voyage. How did they face the unknown with such bravery? What can we learn from these stories today? There are probably many reasons the first pilgrims decided to come to America. Maybe it was...


Ep 329: Planning for Inflation with Old Time Principles

We have reached the highest inflation rate in 30 years. What can old-time principles teach us about protecting our retirement plan against inflation? How can we protect ourselves? While inflation may seem like a problem for the country's economy, it is also a problem for us personally. On today's episode, we will discuss the inflation rate, wage growth, and how retirement accounts are changing to account for current economic times. As of October, the annualized inflation rate is 6.2%....


Ep 328: Yes...But... - Answering Your Questions

Last week we discussed Social Security earning limits. Whether you want to work a few hours a week or continue with your current career it's important to understand how this impacts your Social Security. You've been paying into this program. You want to make sure you have a strategic Social Security plan. After our discussion last week, we had some listener questions come in. So we are going to answer some of these "Yes...but..." questions and clear some things up about the nuances of Social...


Ep 327: Social Security Earning Limits

We have paid into Social Security our whole working lives. However, maximizing your Social Security strategy can be confusing to navigate. We want to make sure you are strategically planning your retirement income. On today's show, we will be answering some questions about Social Security. Since retirees are one of the largest groups of small business owners and entrepreneurs earning limits are important to be aware of. We will be discussing earning limits, pension impacts on those earning...


Ep 326: A Rose By Another Name

A rose by another name is just as sweet... You've probably heard this saying or a variation of it before. The names we assign things can make our perception of them different, we hold different values towards them. On today's show, we will be discussing the importance of names and values, inflation, and how we can rebrand our retirement plans. Inflation is everywhere in the news these days. The S&P is continuing to hit all-time highs. The cost of living continues to rise. Our perception of...


Ep 325: The First 3 Stages of Change

There are many phases of change we go through in life. Retirement is one of them. Changing for Good: A Revolutionary Six-Stage Program by John C. Norcross details the 6 stages of change. On today's show, we will be discussing the first 3 stages: pre-contemplation, contemplation, and preparation. These are the mental and emotional hurdles we must go through when we make a change. Learning about the way we transition is an important tool in navigating retirement. The pre-contemplation phase...


Ep 324: Unexpected Retirement Income

Sometimes we need to think outside the box when we are working on our retirement plan. There are many ways to fill your income stream, some more traditional than others. Today, we discuss a few unexpected ways you could be making income in retirement. Once you retire you have a lot more time on your hands. You’ll be able to invest more into hobbies you’ve had before or learn new ones. One client of ours had been an avid gardener for years. After retirement, she was able to perfect her...


Ep 323: Not Ready to Retire?

We talk a lot about preparing for retirement. But what about those of us that don't want to retire, at least not yet? Today, we are going to discuss why people wait to retire and what impacts their decision. Some people really love their careers and they've worked hard to get to their current positions. But do you have a plan if things were to change? Could you retire quickly if you needed to? Companies, health, and circumstances can all change. We want to make sure if things do shift, you...


Ep 322: Things You Can’t Trust When It Comes to Finances

Unfortunately, there are a lot of things out there that we shouldn't trust: some people's advice, scams, gas station sushi. The list goes on. So today, we are going to be discussing a few financial items that you may want to look out for and whether you can trust them. Don't always trust what is on paper. This can be a difficult thing to change. It can be exciting when an advisor shows us a document with our account goals and predictions on it. But in a situation like this, you should...


Ep 321: Retirement Lifestyle Planning

Last week, on September 17th, we celebrated Constitution Day. As we reflected upon the constitution and its foundational importance to the success of our country, we began to think of the foundational importance of planning for our retirement lifestyle. On today's episode, we will be discussing our retirement lifestyle choices. After we are done working we will have a lot more free time on our hands. With more time comes more freedom to make changes that we have always dreamt about. We will...


Ep 320: Reaching the Crossroads of Retirement

Retirement is a crossroads in life and we must choose a path to take. With this decision comes many questions. As the famous poem by Robert Frost details, a crossroads is a time to reflect and think over our decisions. Today, we are going to discuss three big questions that may come up when it comes to retirement and which path you should be taking. Our first question is about taking in income while also withdrawing from Social Security. A common reason that this happens is when someone...


Ep 319: Mind the Gap in Retirement Planning

It’s easy to become overly confident with your retirement plan. You've been working on it for many years! But there are gaps in nearly every financial plan that can blindside us if we’re not careful. On today's episode, Nancy goes in-depth on some of the common gaps she sees in planning for retirement and how we can address them now. We know that gaps are going to happen, but if we mind them now and plan accordingly, we will be able to have a better financial future. After we retire, we...


Ep 318: Challenges In Today's Economy With Michael Sorrentino, CFA

Every year we face new challenges to our financial plan, but it seems the past year brought us more than we’re used to. The pandemic changed a lot around our country, and it’s definitely impacted the economy. On this episode of My Smart Retirement, we want to identify some of the key challenges that are facing investors right now so that you know what to be focusing on within your retirement plan. To help us do this, we asked Michael Sorrentino, CFA, to join the show to give us his insight...