Plan Wise. Retire Free.

When the headlines scream and markets tumble, your instinct might be to do something. But what should you actually do when the market drops? In this episode, Jude walks through 4 key things to consider when your portfolio takes a hit. Here's some of what we discuss in this episode:

Annuities are often misunderstood- some see them as a financial nightmare, while others consider them a key part of a well-rounded portfolio. So, what exactly are they? And can they offer any tax advantages? Jude is here to break it all down- how annuities work, their tax implications, and when they might fit into a retirement strategy. Here's some of what we discuss in this episode: 0:00 – Intro 2:07 – What is an annuity? 3:40 – Types of annuities 6:19 – Advantages of annuities 8:34 – Disadvantages and fees 15:09 – When might an annuity be a good fit?   Connect: Website: https://centrusfs.com/podcast/   Call: 800-779-4592 Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/

Peter Thiel, co-founder of PayPal and early investor in Facebook, reportedly grew his Roth IRA to a jaw-dropping $5 billion- completely tax-free. But how did he do it? And more importantly, can everyday investors use similar strategies to maximize their own retirement savings? In this episode, Jude Wilson and Marc Killian break down the "Rocket Roth" strategy- an approach that goes beyond basic diversification to optimize where your investments are placed for maximum tax efficiency and growth. Could your Roth IRA be working harder for you? Let's discuss what it means to rocket your Roth!   Here's what we discuss in today's show: 1:21 – Peter Thiel's backstory 2:35 – Asset location and diversification 4:41 – Reallocating assets for maximum growth 6:44 – Common mistakes and tax considerations 12:42 – What would you place in the “rocket Roth?”   Resources for this episode: Tax Bomb Calculator: https://retirementtaxbill.com/?u=Z00xeHQrK3lieGhOMlYvdnlNSUIvQT09 Resources for this week's show: https://www.nbcnews.com/tech/tech-news/billionaire-investor-peter-thiel-has-5b-his-tax-free-retirement-n1272317 Connect: Website: https://centrusfs.com/podcast/   Call: 800-779-4592 Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/

If you've spent years successfully managing your own investments, do you really need a financial advisor? That's the question one of our listeners sent in after years of handling his portfolio solo. So, is working with an advisor just an extra expense, or could it actually add real value? In this episode, we break down when and why even experienced investors might benefit from professional guidance and when they're probably fine on their own. Here's what we discuss in this episode: 0:00 – Intro 1:45 – DIY investors 4:13 – Much more than investment advice 6:11 – Two client stories 7:56 – Relationships 10:06 – Life changes 13:08 – Showing our value   Connect: Website: https://centrusfs.com/podcast/   Call: 800-779-4592 Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/

In this episode of The Roth Guy, Jude breaks down five crucial Roth conversion mistakes that could derail your retirement strategy. For example, many investors rush into conversions without considering the tax implications, often converting too much in a single year and inadvertently pushing themselves into a higher tax bracket. Jude explains how this mistake can trigger a "domino effect," leading to unexpected costs like increased Medicare premiums due to IRMAA surcharges. We also discuss why paying conversion taxes from the wrong account can reduce long-term growth and how misunderstanding the five-year rule could result in penalties if funds are withdrawn too soon. Beyond these key mistakes, we'll discuss the importance of having a well-planned tax strategy to make Roth conversions as effective as possible.   Here's some of what we discuss in this episode: 0:00 – Intro 0:53 – Converting too much in a year 4:14 – Impact on Medicare premiums 6:22 – Funding Roth conversions 7:47 – The five-year rule 8:47 – Having an overall tax strategy   Resources for this episode: Tax management journey document  https://drive.google.com/file/d/1SlEkVuxijRceUcTnkzdqggs2_ATNrBrZ/view?usp=sharing The Tax Bomb website https://thetaxbomb.com/   Connect: Website: https://centrusfs.com/podcast/   Call: 800-779-4592 Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/

Inflation has been a hot topic for years, and it's still a major concern as we move through 2025. While some reports suggest that inflation rates are decreasing, many consumers continue to feel the financial pinch. Because of this, inflation's impact on retirement planning could be bigger than ever. In this episode, we'll explore how to adjust your retirement strategy to stay ahead.    Here's some of what we discuss in this episode: 0:00 – Intro 3:24 – The rate of inflation to account for 6:43 – Planning for inflation and market downturns 10:47 – Factoring in taxes when planning for retirement   Resources for this episode: Check out the Bucket Plan & Tax Funnels Diagrams mentioned in today's show: https://centrusfs.com/resources/#downloads-resources S&P 500 Average Returns and Historical Performance for the 2000s: https://www.investopedia.com/ask/answers/042415/what-average-annual-return-sp-500.asp   Connect: Website: https://centrusfs.com/podcast/   Call: 800-779-4592 Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/

Welcome to 2025! In this episode of The Roth Guy, Jude and Marc kick off the new year with an essential financial checklist to help you start the year on the right foot. They discuss strategies to stay proactive, avoid costly mistakes, and make the most of your financial planning opportunities. With insights on everything from reviewing your investment portfolios to navigating the latest contribution limit updates, they'll help you stay ahead of the curve. Happy New Year!   Here's some of what we discuss in this episode: 0:00 – Intro 1:03 – Recap of last year's market performance 2:45 – Proactive financial planning for 2025 5:04 – Investment portfolios and tax efficiency 7:41 – New Year contribution limits and savings opportunities 10:10 – Balancing retirement contributions and tax deductions 12:10 – HSAs and their benefits 13:19 – Insurance and estate planning reviews 14:25 – Creating a financial action plan for 2025   Important Tax Numbers 2025 PDF https://thetaxbomb.com/wp-content/uploads/2025/01/Important-Tax-Numbers-2025.pdf   Connect: Website: https://centrusfs.com/podcast/   Call: 800-779-4592 Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/

Social Security is the backbone of retirement for millions of Americans, but big changes may be coming. In this episode, we dive into the recently released proposal to raise the full retirement age to 69 and what it means for your benefits, your future, and your financial security.   Here's some of what we discuss in this episode: 0:00 – Intro 0:52 – The proposed change and potential impacts 4:30 – The potential 40% reduction in benefits 6:32 – Proactive planning and the need for change 12:46 – Talking to a professional who understands Social Security   Connect: Website: https://centrusfs.com/podcast/   Call: 800-779-4592 Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/

As the end of November approaches, it's a great time to take a closer look at your financial plans and make any necessary tweaks to prepare for the year ahead. That's why this week, Jude and Marc are sharing some financial items that you should be thinking about as the year winds down. Whether it's reviewing your retirement contributions, exploring tax-saving strategies like QCDs, or tax-loss harvesting, let's make sure you're finishing the year on a high note.   Here's some of what we discuss in this episode: 0:00 – Intro 0:48 – The importance of tax loss harvesting 4:55 – Maximizing retirement contributions 8:23 – Optimizing tax brackets 10:29 – Charitable contributions and QCDs 12:41 – End of year savings and HSAs 16:02 – Bunching deductions   Get the "What Issues Should I Consider Before The End Of The Year?" Guide here: https://drive.google.com/file/d/1-uGZpXb4KdavKB2JEjolQot5xYIdZ7EM/view?usp=sharing   Connect: Website: https://centrusfs.com/podcast/   Call: 800-779-4592 Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/

We talk about the ticking tax time bomb a lot on this show regarding the national deficit. It's a reality we are faced with, and while it sounds scary, there are action steps that you can take to minimize the impact of potential future tax increases on you. In this episode, Jude and Marc explore how tax efficiency funnels can be utilized to optimize your financial strategy and mitigate the risks associated with these rising taxes. Jude breaks down the three tax funnels- the pre-tax funnel, the post-tax funnel, and the tax-advantaged funnel- and discusses the benefits and drawbacks of each. With the Tax Cut and Jobs Act set to expire in 2025, the window for taking advantage of current low tax rates may be closing. It's important to strategize now and prepare for the potential changes ahead.    Here's some of what we discuss in this episode: 0:00 – Intro 5:06 – The pre-tax funnel 7:05 – The post-tax funnel 8:37 – The tax-advantaged funnel 9:01 – Real-world example 13:24 – Potential expiry of the Tax Cut and Jobs Act 15:17 – Action steps you can take     Connect: Website: https://centrusfs.com/podcast/   Call: 800-779-4592 Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/

We're thrilled to be back with former U.S. Comptroller General David Walker for today's show. With decades of experience serving under both Republican and Democratic administrations, Walker is here to share his expert insights on America's fiscal health. Last episode, we focused on the U.S. national debt, fiscal responsibility, and the challenges posed by excessive government spending. Today, we're covering some strategies that you can take to help protect yourself from potential economic challenges. Listen in as we talk about the importance of personal financial responsibility, including being debt-free, diversifying income streams, and planning for the long-term. We also discuss the critical role of leadership in addressing the national debt crisis.   Here's some of what we discuss in this episode: 0:00 – Intro 0:41 – What David learned on his bus tour 2:28 – What we can do + what David wants to see from government leadership 7:28 – Looking at your finances holistically 10:19 – David's thoughts on recent Fed rate cuts 17:37 – Wrap up   More about David: https://dbb.defense.gov/Board-Members/Board-Members-Bio-view/Article/3160065/ America in 2040: https://americain2040.com/ Get your free copy of David's new book: America in 2024 (while supplies last) Text 941-269-2499 David's Books: America in 2024: Still A Superpower? A Pathway to Success https://www.amazon.com/America-2040-Superpower-Pathway-Success/dp/1665500824 Comeback America: Turning the Country Around and Restoring Fiscal Responsibility https://www.amazon.com/Comeback-America-Turning-Restoring-Responsibility/dp/0812980727 David on X https://x.com/davidmwalker7 The Tax Bomb https://thetaxbomb.com/   Connect: Website: https://centrusfs.com/podcast/   Call: 800-779-4592 Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/

In this episode of The Roth Guy, we're excited to welcome a very special guest, former U.S. Comptroller General David Walker. With decades of experience serving under both Republican and Democratic administrations, Walker is here to share his expert insights on America's fiscal health. From the staggering national debt to the hidden tax of inflation, Walker breaks down complex economic issues in a way that's easy to understand and paints a sobering picture of what the future could look like if current trends continue. He warns that without significant changes, the US could face slower economic growth, increased taxation, and even the potential loss of the U.S. dollar as the world's reserve currency. What can we do in light of this outlook? Join us for part 2, where we'll explore actionable steps you can take to prepare for whatever lies ahead.   Here's some of what we discuss in this episode: 0:00 – Intro 2:38 – Current fiscal condition of the US 8:49 – The impact of fiscal imbalance on Americans 14:53 – Future financial challenges + stewardship   More about David: https://dbb.defense.gov/Board-Members/Board-Members-Bio-view/Article/3160065/ David's Books: America in 2024: Still A Superpower? A Pathway to Success https://www.amazon.com/America-2040-Superpower-Pathway-Success/dp/1665500824 Comeback America: Turning the Country Around and Restoring Fiscal Responsibility https://www.amazon.com/Comeback-America-Turning-Restoring-Responsibility/dp/0812980727 David on X https://x.com/davidmwalker7 The Tax Bomb https://thetaxbomb.com/   Connect: Website: https://centrusfs.com/podcast/   Call: 800-779-4592 Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/

We've all heard about the national debt and deficit, but how do they actually impact your retirement plans? In this episode, Jude clarifies these often-confused terms and explores the challenges posed by the growing national debt. He also discusses how these factors influence inflation and your savings strategy as you approach retirement. Tune in as Jude and Marc talk about potential solutions and strategies and share some practical advice for managing your retirement accounts tax efficiently.   Here's some of what we discuss in this episode: 0:00 – Intro 1:19 – National deficit vs national debt 5:40 – Historical context and current spending 8:47 – Inflation and its impact on retirement 10:45 – Maximizing retirement savings 15:26 – Being savvy with your money   Resources for this episode: U.S. Debt Clock https://www.usdebtclock.org/ Should I Contribute To my Roth IRA Vs Traditional IRA Flow Chart https://drive.google.com/file/d/1nhrQKyai9HKtb3oTYWXZ-xVzHOtHWZMk/view?usp=sharing   Connect: Website: https://centrusfs.com/podcast/   Call: 800-779-4592 Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/

Join us for this episode of “The Roth Guy” as we cover the fundamentals of Roth IRAs. We'll start with the basics: What exactly is a Roth IRA? Jude breaks down the essential components, including the differences between traditional IRAs and Roth IRAs, and why it's crucial to consider tax diversification in your retirement strategy. He'll also cover important topics such as contribution limits and eligibility for 2024, as well as the differences between Roth contributions and conversions.   Here's some of what we discuss in this episode: 0:00 – Intro 0:52 – The basics of Roth IRAs and tax diversification 5:55 – Contribution limits in 2024 + finding balance 10:49 – Roth contributions vs conversions 14:03 – Roth conversions and Medicare premiums   Check out the Tax Efficient Funnels pdf HERE   Connect: Website: https://centrusfs.com/podcast/   Call: 800-779-4592 Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/

Welcome to this inaugural episode of The Roth Guy with Jude Wilson! We're so excited to bring you this new show on YouTube and your favorite podcasting platforms. Join us as we take a look into the world of finance, retirement planning, tax planning, and more! Just like any great superhero movie, your financial journey has its challenges- taxes, inflation, market risks- but with the right guidance, you can become the hero of your own financial story. In this first episode, you'll meet your guide, Jude Wilson, and get a preview of what's to come in future episodes.   Here's some of what we discuss in this episode: 0:00 – Intro 1:12 – What to expect from The Roth Guy 3:13 – The impact of tax policies 5:15 – Upcoming financial education 6:33 – Roth conversions   Connect: Website: https://centrusfs.com/podcast/   Call: 800-779-4592 Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/

We're excited to announce our new podcast launching in the upcoming weeks! Join us as we discuss the impending expiration of the Tax Cuts and Jobs Act, potential future tax increases, and the importance of tax diversification in this episode. We introduce "The Roth Guy" and explore how proactive planning can help you achieve a tax-smart retirement.   Contact: Website: https://centrusfs.com/podcast/   Call: 800-779-4592

Psychologists have determined that retirement is one of the most stressful events that some people will experience in life. In this episode, we'll look at the ways to proactively deal with the stress surrounding the retirement process.   Holmes and Rahe Stress Scale Study https://www.simplypsychology.org/srrs.html   Contact: Website: https://centrusfs.com/podcast/   Call: 800-779-4592

Just like an annual checkup is important for maintaining good health, performing regular financial checkups is an essential part of planning for a healthy and successful retirement. By regularly assessing your budget, goals, and progress, you can make informed decisions to keep your finances on track. Although financial wellness is going to look different for everyone, we'll share some areas you should be paying attention to in today's episode.   Contact: Website: https://centrusfs.com/podcast/   Call: 800-779-4592

With the Tax Cut and Jobs Act set to expire at the end of 2025 and the national debt skyrocketing, the tax time bomb is ticking. It's more important than ever to prepare for the inevitable tax increases that could significantly impact your financial plans. Join Jude and Marc as they discuss the importance of proactive tax planning and share more about the Ticking Tax Time Bomb webinar coming up at the end of February. To sign up for the upcoming webinar and take control of your financial future, visit centrusfs.com or call 800-779-4592, and don't forget to check out thetaxbomb.com, for additional valuable resources.   Contact: Website: https://centrusfs.com/podcast/   Call: 800-779-4592

This episode might be a bit counterintuitive. We're going to question the real impact of common financial habits. Are the strategies you consider beneficial actually working in your favor? We explore the pros and cons of practices like ignoring account statements and strict budgeting. Join us for a practical discussion, as we uncover the unexpected effects of everyday money decisions. Are your good money habits holding you back?   Contact: Website: https://centrusfs.com/podcast/   Call: 800-779-4592  

Join us for a thoughtful episode on end of year financial planning for 2023. We'll explore the nuances of optimizing your investment portfolio, safeguarding your assets, and ensuring a stable, rewarding lifestyle in the years to come. Listen in as we discuss essential topics like managing RMDs, exploring tax-saving opportunities, and more. We'll also chat about 2 Centrus guides designed to help you plan for a prosperous new year!   Contact: Website: https://centrusfs.com/podcast/   Call: 800-779-4592      

This is part two of our discussion with Merrell Bailey, a seasoned estate attorney, CPA, and MBA. In this half of the conversation, she will share estate planning wisdom for singles who don't plan on getting married. Merrell also highlights the importance of proactively planning for your estate by documenting your assets and stating preferences for inheritances and medical care decisions. Listen in to learn how to secure your estate and plan for a comfortable and stress-free retirement!   Contact: Website: https://centrusfs.com/podcast/   Call: 800-779-4592    

We're very excited to be back with Merrell Bailey, a seasoned estate attorney, CPA, and MBA. Merrell joined us on the podcast earlier this year, and is here to share more of her estate planning wisdom with us today. Listen in as she debunks the misconception that estate planning is only for the ultra-wealthy and explores some of the unique parts of the process, like planning for your pet's welfare in the event that something happens to you. We also touch on the importance of managing your digital legacy in the age of social media and online assets, offering insights and actionable advice for ensuring your loved ones can access your digital life when you're no longer around.   Contact: Website: https://centrusfs.com/podcast/   Call: 800-779-4592

Retirement is a unique journey for each of us. The thought that there's a one-size-fits-all solution is a myth, but what if we told you there are certain universal truths that can guide every retiree? Dive deep in this episode, where we juxtapose the individuality of retirement plans with the foundational principles that remain consistent across the board. This is part 1 of a 2-part series.   Contact: Website: https://centrusfs.com/podcast/   Call: 800-779-4592  

There are some people who don't care at all about leaving a financial legacy, but for those who do, it's important to eliminate some of the common estate planning mistakes. In this episode, we cover topics ranging from poor expense planning to outdated beneficiary designations and family conflict triggers. We also shed light on some misconceptions about transferring real estate and explain the impact of tax implications on your estate. If you want to leave a legacy without regret or legal turmoil, this episode is a great starting point.   Contact: Website: https://centrusfs.com/podcast/   Call: 800-779-4592  

In this episode, we delve into the complex and often emotionally charged process of changing financial advisors. We'll discuss the telltale signs that it's time to consider a switch, the questions to ask your current advisor, and what to look for in a new one. Join us as we demystify the transition process and equip you with the knowledge you need to make informed decisions about who is best suited to guide your financial future.   Contact: Website: https://centrusfs.com/podcast/   Call: 800-779-4592   Financial Planning and Advisory Services are offered through Prosperity Capital Advisors ("PCA") an SEC registered investment adviser with its principal place of business in the State of Ohio. Centrus Financial Strategies and PCA are separate, non-affiliated entities. PCA does not provide tax or legal advice. Insurance and tax services offered through Centrus Financial Strategies are not affiliated with PCA. Information received from this podcast should not be viewed as individual investment advice. Product discussions and illustrations are hypothetical in nature and will vary based on many factors including, but not limited to, age, health, product, insurance carrier and product design. You should consult the insurance carrier website and policy for detailed information. For information pertaining to the registration status of PCA, please contact the firm or refer to the Investment Adviser Public Disclosure web site (www.adviserinfo.sec.gov). For additional information about PCA, including fees and services, send for our disclosure statement as set forth on Form ADV from PCA using the contact information herein. Please read the disclosure statement carefully before you invest or send money. 

We are excited to be back with Merrell Bailey, a seasoned estate attorney, CPA, and MBA, for part two of our conversation. In this episode, Merrell discusses the importance of an umbrella policy for asset protection, proper account titling, and the four ways assets transfer after death. Discover when to seek professional help, like a durable power of attorney, and scenarios where a qualified estate attorney's guidance is invaluable. Listen in as she stresses early planning and the benefits of seeking expert advice for a secure retirement.   Contact: Website: https://centrusfs.com/podcast/   Call: 800-779-4592   Financial Planning and Advisory Services are offered through Prosperity Capital Advisors ("PCA") an SEC registered investment adviser with its principal place of business in the State of Ohio. Centrus Financial Strategies and PCA are separate, non-affiliated entities. PCA does not provide tax or legal advice. Insurance and tax services offered through Centrus Financial Strategies are not affiliated with PCA. Information received from this podcast should not be viewed as individual investment advice. Product discussions and illustrations are hypothetical in nature and will vary based on many factors including, but not limited to, age, health, product, insurance carrier and product design. You should consult the insurance carrier website and policy for detailed information. For information pertaining to the registration status of PCA, please contact the firm or refer to the Investment Adviser Public Disclosure web site (www.adviserinfo.sec.gov). For additional information about PCA, including fees and services, send for our disclosure statement as set forth on Form ADV from PCA using the contact information herein. Please read the disclosure statement carefully before you invest or send money. 

Today we are thrilled to be joined by Merrell Bailey, a seasoned estate attorney, CPA, and MBA, who sheds light on the importance of estate planning and asset protection for everyone, not just the wealthy. In part one of this two-part series, she highlights the importance of having your legal documents in place from early adulthood and talks about the role of asset titling in financial planning. She also discusses the role of an umbrella policy, the nuances of a healthcare surrogate, and the importance of a living will.  This episode is a must-listen for anyone looking to deepen their understanding of estate planning and asset protection!   Contact: Website: https://centrusfs.com/podcast/   Call: 800-779-4592   Financial Planning and Advisory Services are offered through Prosperity Capital Advisors ("PCA") an SEC registered investment adviser with its principal place of business in the State of Ohio. Centrus Financial Strategies and PCA are separate, non-affiliated entities. PCA does not provide tax or legal advice. Insurance and tax services offered through Centrus Financial Strategies are not affiliated with PCA. Information received from this podcast should not be viewed as individual investment advice. Product discussions and illustrations are hypothetical in nature and will vary based on many factors including, but not limited to, age, health, product, insurance carrier and product design. You should consult the insurance carrier website and policy for detailed information. For information pertaining to the registration status of PCA, please contact the firm or refer to the Investment Adviser Public Disclosure web site (www.adviserinfo.sec.gov). For additional information about PCA, including fees and services, send for our disclosure statement as set forth on Form ADV from PCA using the contact information herein. Please read the disclosure statement carefully before you invest or send money. 

In this week's episode, we're taking a look at a recent study conducted by an expert at MIT that focuses on longevity planning. Our discussion will revolve around the evolving landscape of retirement planning, influenced by longer life spans, and highlight three crucial questions you should contemplate when it comes to retirement planning. Join us and see why having access to simple pleasures, building a strong social network, and considering the hidden costs of maintenance are so important.    Contact: Website: https://centrusfs.com/podcast/   Call: 800-779-4592

We are so excited to have Lee Pancake join us on the show today. Lee is the General Manager at Tim's Wine Market and he also teaches wine courses at Slate Wine & Spirits Academy. We love to host fun and educational events for our clients, so we thought it would be fun to invite him to the show this week to help us learn a little more about wine pairings and tastings.    About Lee: Lee got his start in the wine industry in 2011 as a stock clerk at his uncle's locally-owned wine market in Orlando. At the time, he was still attending UCF for business management and entrepreneurship while trying to figure out what he wanted to do after university. As time passed, Lee was bitten hard by the “wine bug” and developed an insatiable thirst for wine knowledge. Through books provided to him by his uncle, Lee developed an impressive base of knowledge on the subject. In 2017 Lee began his journey through the WSET after meeting local Master of Wine, Jean Reilly. He quickly rose through the ranks under her guidance and later that year began teaching under Jean, fulfilling his dream of educating others on the subject he had become so passionate about. After four years of honing his skills in front of a classroom, Lee became the Director of Education and Owner of Slate Wine & Spirits Academy making him one of the youngest individuals ever to become an Approved Program Provider and Nominated Educator for WSET. Lee divides his time between working with his uncle in their family-owned wine market and teaching WSET courses through Slate Wine & Spirits Academy. When he's not teaching, Lee produces music and spends time hiking the globe with his beautiful wife, Madison.   Get in touch with Lee:  Email: lee@timswine.com LinkedIn: https://www.linkedin.com/in/leepancake/ Website: https://timswine.com Facebook: https://www.facebook.com/timswinemarketorlando Instagram: https://www.instagram.com/timswinemarket/   Contact: Website: https://centrusfs.com/podcast/   Call: 800-779-4592

Are you ready to take control of your finances during life's most pivotal moments? In this episode, we dive into the complex world of financial decision-making during key life events. Whether you're experiencing the excitement of marriage or the joy of welcoming a new child or facing the challenges of divorce or the loss of a loved one, we'll provide practical tips and guidance to help you make informed decisions and maintain financial stability.   Contact: Website: https://centrusfs.com/podcast/   Call: 800-779-4592

We are excited to be back with Regine Bonneau in this episode. Regine is the Founder and CEO of RB Advisory. Her company specializes in cyber security protection, risk management, and compliance. In the previous episode, we discussed cybersecurity threats, so today we will explore potential solutions to these problems.   Contact: Website: https://centrusfs.com/podcast/   Call: 800-779-4592

Today we welcome Regine Bonneau to the show. Regine is the Founder and CEO of RB Advisory. Her company specializes in cyber security protection, risk management, and compliance. It's important to be informed on cyber security to protect yourself from potential risks. We will be talking to Regine about the threats she sees in cyber security and how she got started in this business.   Contact: Website: https://centrusfs.com/podcast/   Call: 800-779-4592

Are you aware that not all retirement accounts are created equal? It's crucial to understand the purpose and advantages of each type of account to make the best choice for your future. In this episode, we'll delve into the different types of retirement accounts, including 401(k)s, IRAs, Roths, and several other examples. We'll help you weigh the pros and cons of each and give you insights into the purposes they serve so that you can make an informed decision. Join us and discover why understanding the purpose of these accounts is essential for securing a comfortable retirement.   Contact: Website: https://centrusfs.com/podcast/   Call: 800-779-4592

Are you preparing for retirement but feeling confident that you have covered all the expenses? Well, think again... It turns out that many retirees overlook some crucial expenses that can leave them financially vulnerable. In this episode, we explore the retirement expenses that most people tend to forget, including skyrocketing medical bills, unexpected travel costs, taxes, and much more. We'll discuss practical tips and strategies to help you plan for these expenses and ensure a secure and comfortable retirement.   Contact: Website: https://centrusfs.com/podcast/   Call: 800-779-4592

We took an informal poll of listeners to find out what their biggest financial fears are. On this episode, we'll explore the most common fears and talk about how they should be addressed in a retirement plan.   Contact: Website: https://centrusfs.com/podcast/   Call: 800-779-4592

After being discussed in Congress for nearly a year and a half, the SECURE Act 2.0 passed in January. Listen to today's episode to see what you need to know and learn four ways the new changes might impact you.   Contact: Website: https://centrusfs.com/podcast/   Call: 800-779-4592

With every new year, many of us spend some time setting new goals, benchmarks, and desired milestones to achieve in the months ahead. On today's show, we'll explore some of our personal and professional goals for 2023 and explore what might be some worthwhile goals for you to add to your list.   Contact: Website: https://centrusfs.com/podcast/   Call: 800-779-4592

Sometimes you need to find a new financial advisor. Other times, you might think you need a new advisor, but really, you're just guilty of thinking that the grass is greener on the other side. Let's discuss some common scenarios and whether they're legitimate reasons for leaving your advisor.   Contact: Website: https://centrusfs.com/podcast/   Call: 800-779-4592

At this time of year, you can find football on TV almost every night of the week. So, let's take some concepts from the game of football and apply them to our retirement planning. In football, the red zone is the last twenty yards before you get to the end zone. Mistakes are costly and it's important that you make the right decisions… In retirement planning, the red zone is the last 5-10 years before you retire. And guess what? Mistakes are costly and it's important that you make the right decisions.   Contact: Website: https://centrusfs.com/podcast/   Call: 800-779-4592

On this week's episode, Jude will hand off his cohosting duties to Vikki Weaver. Vikki serves as the Director of Financial Planning at Centrus Financial Strategies. In her role, she coordinates with the team to create and maintain clients' financial plans. We invite Kurt Alter to join us once again to discuss why you might want to hire a tax professional and the positive impact this relationship can have on your financial life.   Contact: Website: https://centrusfs.com/podcast/   Call: 800-779-4592

Kurt Alter serves as a Tax Principal at Rehmann. His experience is diverse and suitable to a variety of business and individual tax, accounting, and consulting needs. Jude and Kurt will discuss how Rehmann creates an individualized client experience and why this is crucial when putting together a plan.   Contact: Website: https://centrusfs.com/podcast/   Call: 800-779-4592

There are plenty of decisions that you'll make in the retirement planning process that can't be undone, so you want to make sure that you make the right call. In this episode, we'll explain why these decisions are so important and can't be undone.   Contact: Website: https://centrusfs.com/podcast/   Call: 800-779-4592

Being a good advisor isn't about winning a popularity contest or just saying the same things that everyone else in the industry says. It's about giving the best advice that you can for each individual situation. On today's show, we're going to peel back the curtain to discuss some areas where a good financial advisor's opinions might go against the grain with mainstream ideas in the industry. Contact: Website: https://centrusfs.com/podcast/   Call: 800-779-4592

You've most likely heard plenty of “rules” you're supposed to follow to retire successfully. Some of these rules are stated so confidently, you'd be crazy not to immediately accept them as fact. But we don't mind the threat of being called crazy, so let's dive into some of the most popular retirement “rules of thumb” to see if they truly lead us down the path of good financial guidance or run a chance of leading us astray. Contact: Website: https://centrusfs.com/podcast/   Call: 800-779-4592

We have a special guest on the show today, Glenn Dorsey. Glenn serves as the Senior Vice President and Head of Client Portfolio Management for Clark Capital Management Group. He is responsible for portfolio construction and the clear communication of investment strategy to advisors and their clients. Jude and Glenn will discuss the current state of the economy and some of the big issues we are seeing right now. Contact: Website: https://centrusfs.com/podcast/   Call: 800-779-4592

We will be finishing up our conversation on some of the major debates for pre retirees and retirees. Tune in for part 2 of our discussion. Contact: Website: https://centrusfs.com/podcast/   Call: 800-779-4592

We are kicking off a two part series discussing some of the major debates for pre retirees and retirees. Tune in for part 1 of this conversation. Contact: Website: https://centrusfs.com/podcast/   Call: 800-779-4592

A recent Yahoo! Finance article explored the idea of retiring early at the age of 55 to see if it was feasible. We'll break down some of the issues facing folks who want to retire early on this episode, but for some additional fun let's look at the comment section to see what questions and advice the peanut gallery has for us to consider. Yahoo Article: Can You Retire at Age 55? Let's Run the Numbers (yahoo.com) Contact: Website: https://centrusfs.com/podcast/   Call: 800-779-4592

There are plenty of external factors that often negatively influence our chances of having a successful retirement. But often, failure comes from within. On this episode, we'll talk about some of the common ways people get in their own way when it comes to financial planning. Contact: Website: https://centrusfs.com/podcast/   Call: 800-779-4592

Sure, life insurance is one of the more boring topics to cover on a podcast. And a lot of what you hear is going to warn you why you should NOT get various types of life insurance. But our goal on this episode is to focus on the positive and analyze the reasons why you should get life insurance, or at least consider it. Many people think that once the kids are out of the house, you don't need insurance anymore. But there are some other reasons why life insurance can be a useful part of your retirement plan.  Contact: Website: https://centrusfs.com/podcast/   Call: 800-779-4592