Retirement Insights

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.

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.

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.

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  -- 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.

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.

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

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.

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.

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.

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

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.

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.

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.

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. 

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

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.

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.

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.

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.

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.

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.

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.

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.

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.

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/

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.

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.

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.

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: 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