Retire As You Desire Podcast

Opportunities presented to you are probably not random.

During one circumstance we were able to increase a potential client's income by over $8,000 a year just by updating a type of contract that she invested in about 30 years ago.

A couple signatures, a suitability review by our team and then an increased income of over $8,000 a year.

Going from $42,000 to over $50,000 of income is a big jump.

Seems like a no-brainer, right?

Well, she did not proceed with this opportunity. Wanted to keep her old contract. Was stuck keeping it for some reason.

The company was the exact same. Type of contract was just updated. Simple as that.

These little mistakes turn into big ones when you do the math.

When you want to Retire As You Desire, you want to get the most income out of your assets. This was an ideal time to do this!

That $8,000 a year increase could net her higher income each month, too, if her investments in the underlying contract grew.

At a retirement age of 65 and if life allowed her to live to 85, that's an approximate $160,000 additional income lost.

So not only is she losing an additional annual income based on today's opportunities, she is losing out on future higher income amounts, too.

It is frustrating and sad to see someone not move forward with opportunities that are geared toward making someone's life even better.

The moral of the story here is always be open to additional income opportunities.

With inflation that is here to stay in my opinion, you may need that higher income!

-Bill

If markets are moving and your advisor hasn’t called you yet… are you really a priority client?

Over the weekend, our team proactively connected with the families we serve following the recent market volatility tied to global events.

Because when uncertainty rises, communication matters most.

Our planning approach focuses on helping clients navigate changing markets with thoughtful risk management and forward-looking strategies designed to help manage downside exposure while keeping long-term goals in focus.

Periods like this are exactly when a financial plan should be doing its job.

We believe being prudent and proactive isn’t optional, it’s the responsibility that comes with managing someone’s financial future.

We’re grateful for the trust our clients place in us every day.

P.S. If you haven’t heard from your advisor during periods of heightened volatility, it may be worth rethinking where your assets reside.

So grateful for our clients.

Over the weekend, our team proactively connected with families we serve following the recent market volatility tied to global events.

Because when uncertainty rises, communication matters most.

Our planning approach focuses on helping clients navigate changing markets with thoughtful risk management and forward-looking strategies designed to help manage downside exposure.

This is what being prudent and future-focused looks like for the families who trust us with their financial lives.

P.S. If you haven’t heard from your advisor during periods of heightened volatility, it may be worth asking what their communication process looks like.

Retirement is not the finish line.
It’s the second act.

Most people prepare financially.
Very few prepare physically, mentally, and strategically for how they want to live the next 20–30 years.

I’m considering hosting a private, 3-day, in-person retreat focused on designing a powerful retirement.

Not a seminar.
Not a motivational weekend.

A working session.

We would bring in specialists in:

• Longevity & health strategy
• Strength & mobility for aging well
• Brain health
• Identity & purpose beyond career
• Financial integration with life design

Small group. High standard. In person.

Before building this out, I’m gauging serious interest.

If you would genuinely consider attending something like this, comment “INTERESTED”.

Over twelve years ago, I took my Series 7 exam and missed it by one point.

Just one question. Totally bummed.

At that time, I had not started Bloom Financial, and the Retire As You Desire process was not even on the forefront.

But something changed two months ago.

I was invited to a private event at Wrigley Field to learn about new ways to help my clients.

The information that I learned shocked me. The message that I took away from the information was that this is how investors worth hundreds of millions of dollars invest their money.

I was absolutely blown away.

Hoping that I could use my Series 65 license to help my clients with these investments.

The answer was no.

So, I immediately had my team sign me up for my Series 7. Study time. Test time. Here we go!

Well, after getting up at 5 am and staying up to midnight to study, it has happened!

Passed my exam yesterday.

I did this for my clients. I felt like I owed it to them to give them the best offerings possible to fit their individual needs.

I don’t get paid in a new way or crazy amounts of money. This is truly for our people to help them Retire As You Desire with even more efficiency!

So excited for their bright futures ahead!

-Bill

🚨 What the U.S. Government Just Said About Crypto (And Why It Matters for Your Freedom & Finances)

If you’re in your 40s, 50s, or even 60s and have built up a strong financial foundation—maybe you’ve saved $1M, $2M, or more—you need to know what’s happening with digital money right now.

Two new pieces of legislation are quietly shaping the future of how we use and protect our money in the U.S.

Here’s what you should know:

⸻

🔒 The CBDC Anti-Surveillance State Act

This bill would stop the Federal Reserve from launching a digital dollar (CBDC) that could track or control your personal spending.

➡️ No government-run digital wallet.

➡️ No surveillance over where you spend your money.

➡️ Total protection of your financial privacy.

⸻

🌐 The GENESIS Act

This one is about encouraging smart innovation in blockchain and digital assets—without letting government overreach kill opportunity.

➡️ It supports stablecoin development.

➡️ It promotes private sector innovation in digital finance.

➡️ It helps keep the U.S. ahead in the race for secure, decentralized technology.

⸻

💬 My take as a retirement and income advisor:

Whether you’re into crypto or not, these laws are about preserving your freedom, your wealth, and your right to choose how you spend, save, and invest.

If you’re planning for retirement—or already there—understanding how digital finance evolves is just as important as watching interest rates or tax policy.

I’m here to help you stay informed and make confident decisions in this fast-changing world.

If you’re thinking,

“Should I be looking into digital assets?” or

“How do I protect my privacy and purchasing power?”

Let’s talk.

👉 DM me or schedule a free Retire As You Desire call. https://go.oncehub.com/BillBloom

Your financial freedom matters—today and tomorrow.

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Episode #14: How ChatGPT Can Help You Plan Retirement Income: AI Tools for Your Future In this episode of the Retired As You Desire show, host Bill Bloom breaks down how artificial intelligence (AI) is transforming retirement income planning. I...

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