On The Money: Alpha Planning 101 is a bi-weekly podcast designed to introduce the basic but necessary financial planning principles. Your hosts, David and Brandon Domenick, are owners of Capital A Wealth Management located in Cranberry Twp, PA. These two brothers are second generation to the family business and are licensed retirement planning professionals. Based on their 5-Step Alpha Plan process, this podcast will bring insights on timely articles, interviews, ideas, and strategies that focus on the importance of planning for the future.
Safer Alternative asset classes Annuities Royalties Private Equity Funds Advantages of Annuities Utilizing our Safety, Income, Growth bucket system
Sequence of Return Risk Disadvantages of portfolio withdrawals Importance of a diverse portfolio with fixed-income assets Importance of properly structuring assets
Important stats surrounding women's retirement: Longevity & outliving your spouse Likelihood of retiring at 65 Use of financial advisors/retirement plan Financial confidence Importance of healthcare planning Social Security benefits – differences for women vs. men Tax planning
Protecting your legacy from volatility, taxes, & long-term care facilities Benefits of and differences between Wills and Trusts Use of Important documents including Wills, Trusts, Power of Attorney, & Beneficiary documents Maximizing your estate by utilizing other pieces of the Alpha Plan process
Break-down of Medicare costs How Medicare compensation works What Medicare does not cover, including a discussion about Long Term Care
Tax Cuts & Job Act Upcoming Expiration Micro & Macro views of Taxation: looking in the past vs. looking in the future Tax Diversification Planning and understanding the IRS's “bucket structure”: Income Taxable Tax Deferred Tax Free Roth Conversions
Risk & Volatility in the market The Great Resignation 3 Bucket Structure for your money Safety Income Growth
Retirement Income Sources (The 3-Legged Stool): Social Security Pensions Retirement Savings Closing the Income Gap Using annuities properly Inflation Spousal Protection Longevity
Questions addressed: Will social security be there for us in the future? Can I file for social security benefits on my divorced spouse's record? They recently announced at work that our 401K has added a Roth option. Should my future investments go to the Roth or my traditional 401k? I am not a savvy investor, but I have been saving in my 401k for 35 years. I have a large balance but have no idea how I should be investing my current dollars or my future savings. I never hear from my current financial advisor unless I call him. Should I be concerned?
What is the 4% rule? Why it's no longer relevant Market volatility Current interest rates Life expectancies & length of retirement Alternative strategies that better suit today's market
Tax Loss Harvesting Investment Planning Retirement Planning Roth Conversions Health Plan RMDs Charitable Donations
Key Topics: New plans and changes for 2021 AEP Shopping for the proper plan and considering appropriate changes to your current plan Advantages of working with a Medicare broker
Maximizing Social Security Benefits Addressing Sequence of Returns Risk Planning for Long-Term Health Care Leaving Behind IRA's
Dave & Brandon talk through Biden's proposed changes that may affect: Corporate Taxes Wash Sales Capital Gains Estate Taxes Roth Conversions
Understanding the best timing to access your retirement money Utilizing Estate planning tactics Taking advantage of Roth conversions in today's tax environment
Key Topics: Annuities Long Term Care Policies Legacy Planning
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