Retirement Insights

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Welcome to "Retirement Insights" a podcast by InFocus Financial Advisors, Inc. Providing retirement advice, strategies, and insights to the soon to be retired, newly retired, and retirees of all ages. This podcast features Eric Johnston CFP President/Financial Advisor of InFocus Financial Advisors,…

InFocus Financial Advisors, Inc.


    • Dec 27, 2024 LATEST EPISODE
    • infrequent NEW EPISODES
    • 35m AVG DURATION
    • 32 EPISODES


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    Latest episodes from Retirement Insights

    Episode 32 - Navigating the Market

    Play Episode Listen Later Dec 27, 2024 34:01


    In Episode 32 of the Retirement Insights podcast, Eric Johnston, CFP, and Robert Jeter, CFP, of InFocus Financial Advisors, discuss strategies for navigating market highs. Our advisors discuss prudent risk management methods and how markets tend to perform after reaching new milestones. This podcast features Eric Johnston CFP President/Financial Advisor of InFocus Financial Advisors, Inc who has been an advisor for 25 years since 1993 and Robert Jeter, CFP who has been a Financial Advisor since 2012 and has been with InFocus Financial Advisors, Inc. since 2016. 31454 Winterplace Parkway, Salisbury, MD 21804 410-677-4848. Investment Advisor Representative offering securities and advisory services offered through Cetera Advisors LLC, member FINRA/SIPC, a broker dealer and a Registered Investment Adviser. Cetera is under separate ownership from any other named entity.

    Episode 31 - Roth Conversion Strategies

    Play Episode Listen Later Sep 27, 2024 31:57


    This podcast features Eric Johnston CFP President/Financial Advisor of InFocus Financial Advisors, Inc who has been an advisor for 25 years since 1993 and Robert Jeter, CFP who has been a Financial Advisor since 2012 and has been with InFocus Financial Advisors, Inc. since 2016. 31454 Winterplace Parkway, Salisbury, MD 21804 410-677-4848. Investment Advisor Representative offering securities and advisory services offered through Cetera Advisors LLC, member FINRA/SIPC, a broker dealer and a Registered Investment Adviser. Cetera is under separate ownership from any other named entity.

    The Future of Planning and Healthspan

    Play Episode Listen Later Jul 30, 2024 36:24


    In Episode 30, Eric and Robert discuss the future of retirement planning. Could it possibly include making more nuanced health projections based on health data? What could the future look like and what might InFocus look like in the future in working towards their client's retirement success?This podcast features Eric Johnston CFP President/Financial Advisor of InFocus Financial Advisors, Inc who has been an advisor for 25 years since 1993 and Robert Jeter, CFP who has been a Financial Advisor since 2012 and has been with InFocus Financial Advisors, Inc. since 2016. 31454 Winterplace Parkway, Salisbury, MD 21804 410-677-4848. Investment Advisor Representative offering securities and advisory services offered through Cetera Advisors LLC, member FINRA/SIPC, a broker dealer and a Registered Investment Adviser. Cetera is under separate ownership from any other named entity.

    Episode 29 - Understanding Medicare

    Play Episode Listen Later Dec 19, 2023 23:41


    In Episode 29, Eric and Robert review the fundamentals of Medicare. They review the various components of Medicare, what they cover, and things to remember when planning for your health insurance in retirement.

    Episode 28 - Setting Up Your Surviving Spouse for Success

    Play Episode Listen Later Nov 2, 2023 30:01


    Episode 28 - Setting Up Your Surviving Spouse for Success  -- In this episode Eric and Robert cover a difficult topic, setting up your spouse for success if your gone. In the event of an unexpected premature death, we cover how to make sure your surviving spouse has the right tools to continue to be financially successful.

    Episode 27 - Dynamic Spending

    Play Episode Listen Later Oct 6, 2023 36:43


    Curious about what spending strategy is right for you to maximize your lifestyle in retirement? Eric and Robert cover "Dynamic Spending" strategies and important things to consider regarding spending as you enter your retirement years.

    Episode 26 - Estate Planning Mistakes

    Play Episode Listen Later Sep 18, 2023 36:43


    In this episode Eric and Robert covert some basic estate planning topics and frequent mistakes they see people make. 

    Episode 25 - What's Going On With the Bond Market?

    Play Episode Listen Later Aug 19, 2023 26:25


    In this episode Eric and Robert discuss what has been a historic few years for the bond market. What has traditionally been a "boring" or "conservative" piece of most retiree's portfolio has been anything but of late.

    Episode 24 - What Most People Get Wrong in Preparing to Retire

    Play Episode Listen Later Jul 17, 2023 31:21


    In this episode, Eric and Robert review the most common mistakes people make when planning for retirement. They also discuss some topics and ideas to start thinking about as you approach retirement.

    Episode 23 - Retirement and Recessions Vol. 2

    Play Episode Listen Later Dec 8, 2022 32:02


    In this episode Eric and Robert review whats transpired in markets over the last year, what's ahead, and what implications that may have for retirees of all ages. They also give tips on things you should be doing to turn periods of market volatility to your advantage.

    Episode 22 - Lifetime Gifting

    Play Episode Listen Later May 2, 2022 42:21


    In this episode Eric and Robert cover lifetime gifting and how to make the greatest impact with  your retirement assets.

    Episode 21 - 2021 Market Review and 2022 Outlook

    Play Episode Listen Later Dec 22, 2021 37:24


    In this episode, Eric and Robert take a look back at the market and the economy over the last year, and look forward to what may be in store for 2022.

    Episode 20 - Estate Planning with Rebecca Doyle, Esq

    Play Episode Listen Later Aug 27, 2021 50:27


    In this episode Robert interviews local Sussex County Estate Planning attorney Rebecca Doyle of Baird, Mandalas & Brockstedt. They cover the importance of Estate Planning, what makes up a complete estate plan and what laws are different in Delaware law and what you may need to update after moving here.

    Episode 19 - The Market vs. The Economy with Gene Goldman, CFA

    Play Episode Listen Later May 18, 2021 53:15


    In this episode Eric interviews guest Gene Goldman, CFA Chief Investment Officer of Cetera Financial Group. They cover the difference between the market and the economy, what data matters, what most investors get wrong and what lies ahead for the rest of the year.

    Episode 18 - Low Yields

    Play Episode Listen Later Feb 26, 2021 33:14


    In this episode Eric and Robert talk about the current low yield environment, its affect on withdrawal rates and how this may affect retiree portfolios in the future. 

    Episode 17 - Automating Your Finances

    Play Episode Listen Later Dec 22, 2020 34:25


    In this episode Eric and Robert talk about the good and the bad in new technology and automation available to today's investors.

    Episode 16 - ESG: The Latest on Socially Conscious Investing

    Play Episode Listen Later Oct 22, 2020 27:42


    In episode 16 of the Retirement Insights Podcast, Eric and Robert cover ESG Investing. ESG is a new trend in investment selection, on selecting companies that have favorable “Environmental, Social and Governance” stances. They review what exactly those factors mean, how they are implemented and what we here at InFocus have done to bring this new trend to our clients.

    Episode 15 - Planning For Survivorship

    Play Episode Listen Later Aug 12, 2020 30:41


    In this episode Eric and Robert talk about the importance of planning for survivorship. What happens when one spouse pre-deceases the other. We cover the financial implications of pension decisions, Social Security and what planning items you should be reviewing for this possibility.

    Episode 14 - Introducing Cetera Financial Group. An Interview with Brian Klimke, CFA

    Play Episode Listen Later Jun 23, 2020 33:42


    In this episode, Robert interviews Investment Director Brian Klimke, CFA. They cover who Cetera Financial Group is, their relation to InFocus Financial advisors and why they are important to our clients success. They also cover whats been going on in the markets and economy, as well as an outlook for the rest of the year.

    Episode 13 - The Lewes Public Library

    Play Episode Listen Later May 26, 2020 32:51


    In this episode, Robert Jeter, CFP interviews Rebecca Lowe from the Lewes Public Library. They review the abundance of resources the library has to offer the community around Sussex County, how they are dealing with the Covid-19 pandemic, and activities when your kids and grandkids come visit you at the beach.

    Episode 12 - Retirement and the Coronavirus

    Play Episode Listen Later Apr 7, 2020 35:08


    In this episode, Eric and Robert talk about moves to make to enhance your retirement during the ongoing Coronavirus pandemic. They also give a market and economic update.

    Episode 11 - Why Work With a Financial Advisor?

    Play Episode Listen Later Feb 21, 2020 35:50


    Episode 10 - The SECURE Act

    Play Episode Listen Later Jan 14, 2020 36:51


    Passed in the last few weeks of 2019, the Setting Every Community Up for Retirement Enhancement Act will has some major changes to the retirement landscape. Eric and Robert cover some of the most important changes to retirees.

    Episode 9 - OSHER Lifelong Learning Institute

    Play Episode Listen Later Dec 9, 2019 21:21


    Maybe the best thing you can do in retirement in Lewes DE. Robert interviews the manager of the Osher Lifelong Learning Institute, Anna Moshier. They talk about lifelong learning and teaching opportunities for retirees in Sussex County.

    Episode 8 - Can You Retire Into a Recession?

    Play Episode Listen Later Oct 9, 2019 37:35


    In this episode Eric and Robert discuss the possibility of retiring at the peak of the market. Is it possible to retire successfully if your first few years are a recession? We examine three historical recessions and what the outcomes would have been for retirees in those periods.

    Episode 7 - Our Local MAC Agency -- An Amazing Resource

    Play Episode Listen Later Aug 30, 2019 35:20


    In this episode Eric Johnston, CFP interviews Michelle Parker from the local MAC (Maintaing Active Citizens) center in Salisbury, MD. They discuss their offerings, Medicare tips and resources available to individuals who are currently or soon to be retired.

    Episode 6 - Interview with Second Act Coach Penny Boyce

    Play Episode Listen Later Jul 19, 2019 40:49


    In this episode, Robert Jeter, CFP, CRPC interviews Second Act Coach Penny Boyce on some of the human and emotional aspects of transitioning into retirement. They also cover the importance of thinking about your "second act" and what value a coach can bring to helping you in those efforts. You can find more information about Penny on her website: https://www.pennyboycecoaching.com/

    Episode 5 - Investment Strategy June 2019

    Play Episode Listen Later Jun 25, 2019 46:31


    We recently held our "Salisbury Investment Strategy Update Lunch" at the end of June. For those who weren't able to attend, Eric and Robert cover some of the content they presented for clients and guests at the lunch.

    Episode 4 - Spending, Taxes and Inflation

    Play Episode Listen Later May 8, 2019 38:04


    In this episode Eric and Robert talk about some of the planning challenges in retirement. They cover spending, inflation and managing taxes throughout your retirement years.

    Episode 3 - The 4% Rule and Challenges Ahead

    Play Episode Listen Later Apr 4, 2019 34:14


    Eric and Robert talk a little bit about the 4% rule, what it is and what it might look like in the future. They also cover some of the challenges possibly ahead for the markets and economy.

    Episode 2 - What Matters in Retirement

    Play Episode Listen Later Feb 21, 2019 34:55


    In this episode Eric Johnston, CFP and Robert Jeter, CFP discuss the importance of different aspects of taking systematic withdrawals from your investments. Retirement investing should be different than how you invested while working. They offer some additional simple steps that you can take to reduce your investment volatility, reduce market risk and market timing risk in your retirement portfolio. Check it out to see if the steps are a good match for you.

    Episode 1 - Independent Research

    Play Episode Listen Later Feb 17, 2019 31:14


    Episode 1: Eric Johnston, CFP, President and Financial Advisor and Robert Jeter, CFP Financial Advisor, both of InFocus Financial Advisors, Inc. discuss the importance of third-party research and the coming outlook for 2019. Recorded Jan 15th 2019

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