CFG Retirement

CFG Retirement What does your retirement look like? Do you have a clear picture of where your retirement income will come from? Our structured approach is somewhat unique.

We help you as a pre-retiree or retiree take your goals, needs and desires and explore the five core areas of retirement (income, investments, taxes, legacy, the unexpected) and create a written retirement plan to help you a achieve your objectives. In order to know that you can realistically expect to retire comfortably, you need to have a steady stream of income and a comprehensive process for m

anaging your financial affairs. At Assured Retirement Group, spearheaded by Vince Oldre, CFP©, we specialize in planning for those in, or near retirement. We are here to help you devise a plan that matches your current financial needs with your future goals. Assured Retirement Group is an independent advisory firm located in the Twin Cities area of Minneapolis / St. Paul, offering prudent advice and exceptional service one client at a time. We focus primarily on your Social Security benefits and pension plan as the primary means to create an income stream in which you can have confidence. You’ve worked hard to earn your Social Security and Pension. We’ll determine the best time and the right way to take your Social Security and pension benefits, and we’ll design a plan to draw from your other assets in the most tax efficient way. At Assured Retirement Group it’s our job to make sure that your Social Security, pension, and all your assets are in sync and working their hardest for you. To find out more about the kind of prudent advice we offer, sign up for our monthly e-newsletter. We would also be glad to sit down with you for a no-cost consultation.

03/06/2026

Most retirees think their tax bracket tells the whole story.

But in retirement, taxes can behave differently.

Withdrawing just $1 more from an IRA can cause more of your Social Security to become taxable, meaning that $1 withdrawal might increase your taxable income by $1.85.

This is why retirement income planning isn’t just about investments.

It’s about coordination.

When you claim Social Security, when you withdraw from your IRA, and when you convert to Roth accounts all interact with each other.

Social Security isn’t just a monthly deposit.
It’s one of the central gears in your retirement plan.

And when that gear moves, it affects taxes, Medicare costs, and long-term income.

03/05/2026

She thought she picked the wrong Medicare plan.

She didn’t.

A Roth conversion two years earlier pushed her over an IRMAA threshold — and her Part B premiums increased.

Medicare premiums are income-adjusted.
And they’re based on income from two years ago.

Go $1 over a threshold and costs can jump.

Your retirement moves today affect what you pay tomorrow.

Watch the full video on our YouTube channel!

03/03/2026

For decades, your days were defined for you.

Retirement changes that.

The healthiest transitions don’t go from 60 to zero overnight.
They replace structure with intention.

Stop working if you want.
Just don’t stop contributing.

03/02/2026

If you’re approaching retirement and feeling restless, that doesn’t mean you’re unprepared.

It means something needs to be designed.

Money provides durability.
Purpose provides freedom.

Before you retire:
Design your week.
Have the conversation.
Map your lifestyle.
Define how you’ll contribute.
Align expectations with your spouse.

Then build the financial plan to support that vision — not the other way around.

Retirement isn’t an escape. It’s a reallocation.

And high achievers don’t drift. They design.

03/01/2026

Retirement isn’t about stepping away from life.

It’s about redirecting your energy.

The happiest retirees treat this season like a new enterprise. They ask:

What matters most now?
Who do I want to influence?
What relationships deserve more attention?
What kind of grandparent, mentor, or friend do I want to be?

That level of intentionality transforms retirement from something you leave… into something you build.

02/28/2026

Most high achievers don’t fear running out of money.
They fear becoming irrelevant. Losing purpose. Losing dignity.

Retirement may change your income structure, but it doesn’t have to shrink your identity.
You are more than your title or performance metrics.
Retirement isn’t the end of growth — it’s a redirection of it.

Have you planned for the emotional side, not just the financial side?

02/27/2026

Here’s a question most people never ask before retiring:

If you retired tomorrow, what would your normal week actually look like?

Not vacation mode. Just a regular Monday through Friday.

What would fill your time?
What would stimulate you?
What would make you feel useful?

One of the biggest myths in retirement planning is this:
“If I just hit the number, everything works.”

But the number doesn’t create meaning. It creates options.

And options require direction.

Leisure without purpose can feel empty.
Purpose without income structure can feel stressful.

Retirement done well integrates both.

Have you thought about what your week would look like?

02/26/2026

One of the biggest surprises in retirement isn’t financial. It’s psychological.

I’ve noticed that the more successful someone has been, the harder the adjustment can be.

When your identity has been tied to performance, achievement, and output, silence can feel uncomfortable.

Unstructured time can feel disorienting.

Many retirees don’t say it out loud, but they quietly wonder: “Who am I now?”

So they over-monitor their portfolio.
They check the markets constantly.
They look for something to control.

Because control feels familiar.

But retirement isn’t a performance cycle. It’s a lifestyle design, and lifestyle design requires intention.

The full discussion is on our YouTube channel for those navigating this transition.

02/25/2026

Supporting adult children is one of the most loving things parents do.

Helping with a down payment.
Covering tuition.
Stepping in during an emergency.

There’s nothing wrong with generosity.

But retirement planning requires balance.

Your children can borrow for school.
You cannot borrow for retirement.

Helping today should never create financial strain in your eighties — when your family may need to support you instead.

This isn’t about saying no.
It’s about planning carefully so generosity remains sustainable.

The healthiest families plan support in a way that protects everyone long-term.

Have you had this conversation yet?

02/24/2026

In our last YouTube video, Vince breaks down some of the biggest and most common mistakes that retirees can make with their money.
In this clip pulled from that video, he talks about the ways that healthcare is often underestimated in planning and can cause a lot of damage if not properly planned for.

Interested in hearing the rest of the video? Head over to our YouTube channel now.
We'll see you in the next video!

02/23/2026

Retirement mistake number three: Ignoring the tax time bomb.

Most retirement accounts — 401(k)s, IRAs, 403(b)s — are tax-deferred.

That means the IRS hasn’t been paid yet.

Many retirees assume their taxes will drop once they stop working.

But here’s what actually happens for many:

• Required Minimum Distributions begin
• Social Security becomes taxable
• Income starts stacking
• Medicare premiums can rise

The issue isn’t paying taxes.
It’s failing to coordinate withdrawals strategically.

Retirement is as much a tax game as it is an investment game.

The full explanation is on our YouTube channel.

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4530 W. 77 Street
Bloomington, MN
55431

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