Host: Arif Halaby
Co-Hosts: Mark Murphy and Jeff Girard
Hour #1- How to avoid outliving your retirement funds
Hour #2- Real retirement costs
Total Financial Solutions Safer Money Hour , with host Arif Halaby , President & CEO of Total Financial Solutions airs every Tuesday from Noon to 2pm  on Santa Clarita’s Hometown Station, KHTS AM-1220. 
Total Financial Solutions Safer Money Hour With Arif Halaby - Tuesday, April 23, 2013
Jeff Girard and Mark Murphy open the show talking about planning for retirement from an early age.
On teaching our children about planning for their future retirement, Jeff Girard said, “the sooner they start to hear it the more familiar they become.”
They begin to discuss ways to avoid outliving retirement funds.
“The national average for social security is about $1200, what can you buy with that?”, Girard says on exhausting retirement funds.
Jeff and Mark go into a few of the many tips, pitfalls, and facts surrounding your plans for retirement.
“The three legged stool use to be pension, retirement, and social security.”
Your pension is decided by salary, years of service, and age.
“Remember, benefits can be taken from you just as easily as they are given to you,” Jeff explains, “pensions are by and large of the corporation you work for.”
Jeff and Mark wrap up the hour explaining some options on where to put your money to guarantee financial stability after you retire.
In the second hour of Total Financial Solutions Safer Money Hour Jeff and Mark talk about the reality of the costs that come after retirement.
“The costs that don’t go away after retirement are food, shelter, clothing, taxes, health care, insurance, and your well-being.”
Life insurance is another advantageous expense that could be considered in a dual-income household.
Get all the information you need about Total Financial Solutions Safer Money Hour  here.
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