Retirement Plan Playbook

In this episode of the Retirement Plan Playbook podcast, Brent Pasqua, Matthew Theal and Joshua Winterswyk, of Evermont Wealth, discusses the company's rebranding in order to build stronger brand recognition and better align with their vision for the future. The podcast also recaps market trends from 2023. An optimistic year that defied bearish predictions, major indexes like the S&P 500 and the Nasdaq saw returns of over 24 and 43% respectively. Despite challenges like increased layoffs in a variety of sectors and potential inflation, the overarching strategy remains passive investing. In terms of what could stall the ongoing rally, factors such as increased inflation, economic slowdown, and escalation of global conflicts were identified. The episode also highlights the approval of Bitcoin ETFs as a revolutionary step which could steer retirement planning in 2024. Brent shares his personal plan to continue building on AI-focused stocks, reflecting a widespread optimism towards AI's future. The episode concludes with some personal anecdotes and well wishes for a great year ahead. 00:01 Introduction and Welcome Back 00:28 Discussing the Rebranding from RPA to Evermont 02:46 The Importance of a Good Company Name 04:00 The Journey to the New Brand Name: Evermont 06:28 The Significance of the New Logo 06:49 Reflecting on the Rebranding Process 08:28 The Impact of the Rebranding on the Company's Future 10:45 Recapping the Market Performance in 2023 12:54 Investing Lessons from 2023 16:23 Investing Trends for 2024 21:02 Favorite Purchases of 2023 23:03 Discussing a Recent Concert Experience 23:38 Sharing Favorite NFL Team Experiences 24:46 Office Remodeling and Family Trip to Disney World 25:47 Reflecting on the Value of Experiences Over Materialistic Purchases 26:50 Predicting Market Trends for 2024 29:58 Changes in Retirement Planning in 2024 34:14 Personal Investment Strategies for 2024 38:50 Anticipated Big Purchases for 2024 42:01 Closing Thoughts and Wishes for a Prosperous Year Connect with Evermont Wealth:  matthew@evermont.com (909) 296-7977 Evermont.com LinkedIn: Matthew Theal LinkedIn: Brent Pasqua LinkedIn: Joshua Winterswyk LinkedIn: Evermont Wealth

In this episode, we provide a comprehensive review of the financial market's performance over the past quarter.  We begin with a discussion on: The significant drop in inflation rates, a key indicator of economic health. The Biden administration's decision to resume federal student loan payments, a move that impacts millions of borrowers. Nvidia's impressive entry into the $1 trillion market valuation club, a testament to the growing influence of AI. Fidelity's filing for a spot bitcoin ETF, a move that could potentially revolutionize cryptocurrency investment. Apple's launch of the Vision Pro mixed reality headset, a product that could redefine the tech landscape. Soccer legend Lionel Messi's decision to join MLS club Inter Miami. In our Retirement Planning Corner, we provide an overview of: The year-to-date returns of major indices, including the Dow Jones Industrial Average, S&P 500, and Nasdaq Composite. Current interest rates, a crucial factor for investors and borrowers alike. The state of the stock market, with visuals to illustrate key trends and movements. We also share our personal investment strategies and financial planning goals, offering insights into: Our portfolio management tactics. Our approaches to maximizing 401k contributions. Our strategies for navigating higher prices and budgeting effectively. Whether you're a seasoned investor or just starting out, this episode is packed with valuable insights and expert analysis on the latest market trends and financial planning strategies. Connect with RPA Wealth Management:  info@rpawealth.com  (909) 296-7977 RPA Wealth Management LinkedIn: Matthew Theal LinkedIn: Brent Pasqua LinkedIn: Joshua Winterswyk LinkedIn: RPA Wealth Management

Are you tired of earning 0% interest on your cash? Do you want to know how to make your money work for you and earn up to 5.00% APY on the cash in your bank account?  In this episode, we will discuss the best ways to earn interest on your cash, even if it's earning 0%. We will cover everything from high-yield savings accounts to CDs to money market funds. So whether you have a little bit of cash or a lot, we have something for you.  Matthew, Brent, and Joshua discuss: Matthew's new child!  The Debt Ceiling Drama. Apple's new high yield savings account. Strategies for cash that are currently paying 5x the national average in annual interest. And more   Resources:   Connect with RPA Wealth Management:  info@rpawealth.com  (909) 296-7977 RPA Wealth Management LinkedIn: Matthew Theal LinkedIn: Brent Pasqua LinkedIn: Joshua Winterswyk LinkedIn: RPA Wealth Management

The idea of retiring may seem like a distant dream, but it's important to remember that it is never too early to start planning for it. In this episode, RPA Wealth discusses a topic that many soon-to-be retirees are facing: how to maintain financial security in retirement while changing retirement goals.  The current economic climate is forcing many individuals and families to reassess their retirement plans and make necessary adjustments, so how do you go about making these adjustments and how can you tell when the adjustments need to be made in the first place? Matthew, Brent, and Joshua discuss: What steps to take when you want to change a major retirement goal How to gauge whether your retirement goals are realistic for your situation The different types of retirees: the big spender, the big saver, and the fearful big spender The different stages of retirement and how to divide up your savings between them And more   Resources: Retirement Plan Playbook: Should You Be Buying A House Right Now? (Ep.89) Connect with RPA Wealth Management:  info@rpawealth.com  (909) 296-7977 RPA Wealth Management LinkedIn: Matthew Theal LinkedIn: Brent Pasqua LinkedIn: Joshua Winterswyk LinkedIn: RPA Wealth Management

The state of the housing market continues to evolve, but one question Americans keep asking themselves remains constant: Should I be selling or buying a home right now? In this episode, RPA Wealth delves into the state of the housing market in California and how interest rates are affecting it. The episode begins with an overview of the current state of the housing market and a discussion about what is contributing to the high demand for housing. Matthew, Brent, and Joshua discuss: How to find out if right now is a good time to be buying or selling your house  What some Californians have been doing in response to the housing market and interest rates Why they think a “credit crunch” could be foreseeable for the American population Strategies to avoid making the mistake of settling for the wrong house And more Resources: Retirement Plan Playbook: Our Take On The Silicon Valley Bank Issue (Ep. 88) Retirement Plan Playbook: The Looming Recession's Impact on Retirees (Ep. 65)   Connect with RPA Wealth Management:  info@rpawealth.com  (909) 296-7977 RPA Wealth Management LinkedIn: Matthew Theal LinkedIn: Brent Pasqua LinkedIn: Joshua Winterswyk LinkedIn: RPA Wealth Management

The Silicon Valley bank issue, the future of the automotive industry, and the constant rise of inflation are making the heads of Americans spin! Needless to say, there's a lot going on in the financial world right now, and RPA Wealth is ready to dive right into it. In this episode, Matthew Theal, Brent Pasqua, and Joshua Winterswyk discuss some of the hottest headlines in the financial industry by sharing their insights, making educated predictions, and so much more! Matthew, Brent, and Joshua discuss: Some important updates about the Silicon Valley bank issue What the FDIC limit is and how to find out if you are protected by it The landscape of the current automotive industry with the uptick of EV models The dangers of TikTok - to delete or not to delete? And more Resources: Retirement Plan Playbook: Preparing for Retirement: Why Physical Fitness Should Be Part of Your Plan With Marissa Almendarez (Ep. 87) Connect with RPA Wealth Management:  info@rpawealth.com  (909) 296-7977 RPA Wealth Management LinkedIn: Matthew Theal LinkedIn: Brent Pasqua LinkedIn: Joshua Winterswyk LinkedIn: RPA Wealth Management  

Preparing yourself financially for retirement is important, but have you ever thought about how you can prepare yourself physically for retirement? In this episode, Marissa Almendarez is on the show to discuss the different ways you can start implementing physical activity into your day, whether you are in your 20s, 50s, and even 80s! Marissa discusses: How to find your motivation when working out Her journey of becoming a personal trainer and finding her passion for healthy living How you can start your fitness journey today Some easy, implementable nutrition tips you can start doing now And more   Resources: Website: Make Good Moves Website: Chino Hills Personal Training Marissa's Podcast: The Mixtape Talks Retirement Plan Playbook: Building Your Retirement Income: The Bond Ladder Approach (Ep. 86)   Connect with Marissa Almendarez: Instagram: @marissa_almendarez Connect with RPA Wealth Management:  info@rpawealth.com  (909) 296-7977 RPA Wealth Management LinkedIn: Matthew Theal LinkedIn: Brent Pasqua LinkedIn: Joshua Winterswyk LinkedIn: RPA Wealth Management   About our Guest:  Marissa is a fitness expert and a personal trainer who's been helping people achieve their fitness goals since 2011 with a passion for healthy living and a desire to help people find balance. Marissa believes that fitness is a lifelong journey and strives to make sustainable changes in her clients' lives. She co-founded an event called Climb for a Cure in 2015 which later became the nonprofit, Make Good Moves, and has helped raise more than $100,000 for stage four metastatic breast cancer research awareness and patient and family support. Marissa's also a successful entrepreneur and mentor to a team of close to over a hundred trainers, and she works through the Self-Made West Covina and Self-made Chino Hills, where she co-owns those gyms. She has a limited personal training clientele and co-hosts the Mixtape Talks podcast and social events. Marissa recently became a mom and credits her healthy pregnancy and recovery to a lifestyle she has created for herself since 2011.

Are you looking for a retirement plan that can provide stability and consistent income? Look no further than bond ladders!  In this gripping podcast episode, financial experts Matthew Theal, Brent Pasqua, and Joshua Winterswyk dive deep into the world of bond ladders, revealing everything you need to know to make an informed decision for your retirement plan.  In this episode: Discover the power of bond ladders in safeguarding your finances Gain an insider's perspective on the current state of the American economy Learn how to incorporate bond ladders into your retirement plan for long-term success Find out how to avoid inflation risks and protect your investments Empower yourself with the knowledge to make informed and confident decisions for your retirement plan   Resources: Retirement Plan Playbook: Mastering Tax Season: Your Ultimate Guide to Dates, Deductions, and Avoiding Common Mistakes with Amber M. Storms, EA (Ep. #85) Connect with RPA Wealth Management:  info@rpawealth.com  (909) 296-7977 RPA Wealth Management LinkedIn: Matthew Theal LinkedIn: Brent Pasqua LinkedIn: Joshua Winterswyk LinkedIn: RPA Wealth Management

Tax season is just around the corner, and it can be stressful for many.  As tax season rapidly approaches, the mere thought of it may trigger anxiety for many. But fear not, because, in this highly informative episode, you'll hear from tax expert Amber M. Storms, EA, alongside financial advisors Matthew Theal, Brent Pasqua, and Joshua Winterswy. They'll equip you with the essential knowledge and valuable strategies to successfully maneuver through this tax season. Get ready to learn about crucial dates and deadlines, potential pitfalls to avoid, and savvy deductions that can significantly lower your tax bill. Don't miss out on this empowering episode to take control of your taxes and feel confident about your financial future.  In this episode:  Discover the latest due dates for filing your tax return and stay ahead of the game Learn why  it's crucial not to file too early before receiving all the essential forms  Avoid misreporting income and other common mistakes taxpayers often make during tax preparation Unlock the potential of itemized deductions by exploring the various types of expenses eligible for a deduction, including charitable donations, medical expenses, and state and local taxes And many more insightful tips and tricks to help you make the most of this tax season   Resources: Collaborative Tax Partners    Connect with Amber: LinkedIn: Amber Moore EA Connect with RPA Wealth Management:  info@rpawealth.com  (909) 296-7977 RPA Wealth Management LinkedIn: Matthew Theal LinkedIn: Brent Pasqua LinkedIn: Joshua Winterswyk LinkedIn: RPA Wealth Management   About Amber: Amber M. Storms, EA, has been providing tax preparation, advocacy, and planning for 11 years. As an Enrolled Agent, she has the highest credential awarded by the IRS, can practice in any state, and can represent any taxpayer before the IRS. Amber understands that taxes can be overwhelming, and her goal is to help clients navigate the process by breaking down complex subjects into plain language. She sees each taxpayer's situation as unique and is intent on finding a personalized solution for each client. Amber is a member of the California Society of Enrolled Agents, Inland Empire Chapter. She has volunteered for the VA Loma Linda and California Emergency Nurses Association.

Retirement brings the opportunity to travel to some of the most amazing places you didn't have the chance to see during your working days.   And now, we want to help you plan your dream getaway.   In this episode, Matthew Theal, Brent Pasqua and Joshua Winterswyk talk with Kaitlan Whitteberry, a luxury travel agent at SmartFlyer about her insights on how to make the most of your golden years by planning the ultimate vacation. She also shares some traveling tips for enjoying your vacation.   Kaitlan discusses:   How to discover where you want to take your next vacation What sparked her passion to help others make travel plans and her story of starting her own travel agency How she was able to pivot her business model during the pandemic What cities she would recommend to you based on your personal preferences And more   Resources:   Retirement Plan Playbook: Financial Predictions For 2023 (Ep.83)   Connect With RPA Wealth Management:  info@rpawealth.com  (909) 296-7977 RPA Wealth Management LinkedIn: Matthew Theal LinkedIn: Brent Pasqua LinkedIn: Joshua Winterswyk LinkedIn: RPA Wealth Management   Connect With Kaitlan Whitteberry:   +1 (972) 977-5059 kaitlan.w@smartflyer.com  Whit Travel Co. LinkedIn: Kaitlan Whitteberry Instagram: Kaitlan Whitteberry   About Our Guest:    Kaitlan Whitteberry, founder of WHIT TRAVEL Co., has been exploring the globe since she was a young child, and her love for the wondrous corners of this world has only grown stronger with time. After a summer abroad, and ticking country number 30 off her list, she knew she wanted to share her knowledge with others as passionate about the world as she is. She is dedicated to creating bespoke travel experiences for each of her clients, and focuses on crafting trips which highlight the features that make each destination sing. The team at WHIT TRAVEL believes that the world is meant to be explored, and we want to help you get there. Whether there is surfing on a sunny beach in Bali or strolling through a souk market in Morocco. We live for the love of travel.

A new year, and a new financial outlook!   Bringing in the new year means it's time for RPA Wealth Management to make some 2023 financial predictions.   In this episode, Matthew Theal, Brent Pasqua and Joshua Winterswyk discuss the recently passed Secure Act 2.0, 2023 interest rates, and what investors can expect entering a new year during a bear market.   Matthew, Brent, and Joshua discuss:   The recently passed Secure Act 2.0 is and how it can affect your retirement plans The end of China's “Zero Covid Mandate” and how this event could affect North America's economy Going into 2023 in a bear market and what that means for investors Why and how you should change your expectations when investing in a bear market And more   Resources:   Retirement Plan Playbook: A Recap of 2022 (Ep.82)   Connect with RPA Wealth Management:  info@rpawealth.com  (909) 296-7977 RPA Wealth Management LinkedIn: Matthew Theal LinkedIn: Brent Pasqua LinkedIn: Joshua Winterswyk LinkedIn: RPA Wealth Management  

2022 was a year full of financial highs and lows that a lot of people felt through their bank accounts.   In this episode, Matthew, Brent and Joshua recap the financial year of 2022 and use this information to help you better understand what you can expect in the new year.   Matthew, Brent, and Joshua discuss:   Stats about this year's Black Friday sales and what it can tell you about the economy What inflation could look like on the horizon of 2023 Why the recent Covid-19 lockdowns in China are affecting international economies Why the Federal Reserve is rooting for the stock market to fall even further And more   Resources:   Retirement Plan Playbook: Navigating Real Estate Transactions: Tips for Deferring Capital Gains Tax With Jay Frank (Ep.81)   Connect With RPA Wealth Management:  info@rpawealth.com  (909) 296-7977 RPA Wealth Management LinkedIn: Matthew Theal LinkedIn: Brent Pasqua LinkedIn: Joshua Winterswyk LinkedIn: RPA Wealth Management  

You've found it. Everything you need to know about real estate investing, all in one place. In this episode, Matthew, Brent, and Joshua, talk with Jay Frank, President of Cantor Fitzgerald Asset Management, to discuss everything you should know about real estate investing including what you should know as a landlord, what a delaware statutory trust is, and so much more!   Jay discusses: What a 1031 exchange is in the real estate industry and how they work How he can help real estate investors grow and enhance their business strategy What a Delaware Statutory Trust (DST) is and how they can enhance your real estate investing experience What to consider before becoming a landlord And more   Resources: Retirement Plan Playbook: 7 Financial Strategies To Help You Be Successful In 2023 (Ep.80)   Connect With RPA Wealth Management:  info@rpawealth.com  (909) 296-7977 RPA Wealth Management LinkedIn: Matthew Theal LinkedIn: Brent Pasqua LinkedIn: Joshua Winterswyk LinkedIn: RPA Wealth Management   Connect With Jay Frank: LinkedIn: Jay Frank   About Our Guest:  Jay Frank is the president of Cantor Fitzgerald Asset Management and Chief Operating Officer of Cantor Fitzgerald Investment Management. Jay has spent the last 16 years focused on the real estate assets and alternative investment industries. He works closely with financial advisors on the implementation of sophisticated real estate solutions, including 1031 exchanges and tax deferred exchanges.   

With the likelihood of a recession almost certain and most households having some amount of credit card debt, building effective financial strategies is more important than ever.   In this episode, Matthew Theal, Brent Pasqua and Joshua Winterswyk focus on financial planning tips for the new year. They share some of their favorite strategies to increase investment returns, ensure families are financially protected and decrease taxable income through investment and retirement tax returns.   Matthew, Brent, and Joshua discuss: Why is current spending contributing to an increase in household debt How US treasury securities can help maximize liquidity and increase interest on uninvested cash The importance of updating beneficiaries and insurance to provide protection for the next generation How 401(k) and taxable brokerage accounts can reduce your taxes before the new year And more   Connect With RPA Wealth Management:  info@rpawealth.com  (909) 296-7977 RPA Wealth Management LinkedIn: Matthew Theal LinkedIn: Brent Pasqua LinkedIn: Joshua Winterswyk LinkedIn: RPA Wealth Management  

There is a lot going on in the stock market and investing industry right now. That's why we are your go-to resource when it comes to the hot take headlines in the investing world. In this episode, Matthew Theal, Brent Pasqua and Joshua Winterswyk discuss some of the most relevant headlines you should know as you head into the holiday season and as you monitor your portfolio.   Matthew, Brent, and Joshua discuss: The unusual coincidence of how the Philadelphia Phillies baseball team seems to affect the stock market Why tech companies are struggling with poor performance and growth and how that affects your portfolio Some insight about whether we are heading into a further downturned market If midterm elections actually affect stock market performance And more   Connect with RPA Wealth Management:  info@rpawealth.com  (909) 296-7977 RPA Wealth Management LinkedIn: Matthew Theal LinkedIn: Brent Pasqua LinkedIn: Joshua Winterswyk LinkedIn: RPA Wealth Management  

Unfortunately, the chances of you needing medical attention increase as the years progress.   So what can you do to prepare for this?   In this episode, Matthew Theal, Brent Pasqua and Joshua Winterswyk talk with Laurie Boatman, a licensed, trained and certified independent insurance agent to discuss the topic of Medicare. She will help you better understand the Medicare enrollment process whether you are approaching the retirement age or preparing for medical expenses that may come up.   Laurie discusses: Defines what Medicare is and why it was introduced How she helps people find the right Medicare Insurance Plan What age you should enroll in a Medicare plan and when the enrollment period is How to enroll in a Medicare plan And more   Resources: Retirement Plan Playbook: The Third Quarter Review of 2022 (Ep.77)   Connect with RPA Wealth Management:  info@rpawealth.com  (909) 296-7977 RPA Wealth Management LinkedIn: Matthew Theal LinkedIn: Brent Pasqua LinkedIn: Joshua Winterswyk LinkedIn: RPA Wealth Management   Connect with Laurie Boatman: 949-735-4486 LinkedIn: Laurie Boatman   About Our Guest:  As a licensed, trained, and certified agent with major insurance companies, Laurie helps make the transition to Medicare easy to navigate and understand! Laurie provides the knowledge so you can make the best choice for you and your situation. Trying to decide between Medicare only, a Medicare Advantage plan, or a Medicare/Medigap Supplemental plan. What about Prescription Drug plans? What starts out as stressful, and confusing, becomes clear and simple! Laurie is here to help answer your questions and walk you through the process. It is of great value to seek help from an agent who specializes in Medicare that will guide you, whether you are just turning 65 or after.   

As we've said before, everyone is feeling the effects of inflation.   But who is inflation affecting the most?   In this episode, Matthew Theal, Brent Pasqua and Joshua Winterswyk discuss some key updates about recent increases in Social Security and Medicare and some statistics about how the stock market did in the second quarter of 2022.   Matthew, Brent, and Joshua discuss: How inflation is affecting people similar to their client demographic Updates about Social Security and Medicare increases How the stock market has done in the second quarter of 2022 What you have to look forward to and be optimistic about during peak inflation And more   Resources: Retirement Plan Playbook: Don't Hit The Panic Button Just Because The Market Is Crashing! (Ep.76)   Connect with RPA Wealth Management:  info@rpawealth.com  (909) 296-7977 RPA Wealth Management LinkedIn: Matthew Theal LinkedIn: Brent Pasqua LinkedIn: Joshua Winterswyk LinkedIn: RPA Wealth Management  

Things are changing very quickly in the stock market.   So what can you do to enhance your portfolio's performance in such an unpredictable time?   In this episode, Matthew Theal, Brent Pasqua and Joshua Winterswyk discuss the recent news about housing market interest rates, the consumer price index, and the longer than average downturned stock market.   Matthew, Brent, and Joshua discuss:   Updates about the consumer price index and what it means for you The shifting interest rates in the housing market and the reality for want-to-be homeowners The motivations and overall purpose of the Federal Reserve and how it affects your bank account What you can do right now that can enhance your financial performance in the coming years And more   Resources:   Retirement Plan Playbook: The Top Five Issues To Consider During A Financial Market Correction (Ep.75)   Connect with RPA Wealth Management:    info@rpawealth.com  (909) 296-7977 RPA Wealth Management LinkedIn: Matthew Theal LinkedIn: Brent Pasqua LinkedIn: Joshua Winterswyk LinkedIn: RPA Wealth Management

How can you prepare yourself and your family for a financial market correction?   In this episode, Matthew Theal, Brent Pasqua and Joshua Winterswyk discuss the top five issues to consider during a financial market correction. They will also share some strategies to help you out when it happens.   Matthew, Brent, and Joshua discuss:   The take on the new law that has been signed in California that could increase wages for fast food workers to $22 an hour starting in 2023 What a financial correction could mean for you if you are retiring in the near future How to determine if your cash flow will change during a market correction How to avoid reactive decisions during a downturned market (saving your retirement fund!) And more   Resources:   Retirement Plan Playbook: Helping Aging Parents With Finances (Ep.74)   Connect with RPA Wealth Management:    info@rpawealth.com  (909) 296-7977 RPA Wealth Management LinkedIn: Matthew Theal LinkedIn: Brent Pasqua LinkedIn: Joshua Winterswyk LinkedIn: RPA Wealth Management

How do we talk to our parents about their finances?    Asking questions related to money can be difficult even if it's your own family, but it shouldn't be. At a certain point, we are most likely going to be in charge of our parents' money and making financial decisions for them. So, what do you think is the ideal age to start this conversation with your parents?   In this episode, Matthew Theal, Brent Pasqua, and Joshua Winterswyk explain the several things we should know about our parents' finances to help them in the future.   Matthew, Brent, and Joshua discuss:   The meaning of a sandwich generation Understanding your parents' income and expenses The legal and financial information you need access to What to do if your parents are refusing help with their finances And more   Resources:   Retirement Plan Playbook: Answering Your Questions About The Real Estate Market With Kelli Vanevenhoven (Ep. 73)   Connect with Client:  info@rpawealth.com  (909) 296-7977 RPA Wealth Management LinkedIn: Matthew Theal LinkedIn: Brent Pasqua LinkedIn: Joshua Winterswyk LinkedIn: RPA Wealth Management

In recent years, the real estate market has been on fire, but now it seems to be cooling down.   Do you know why this is happening?   In this episode, founder and real estate agent of Coldwell Banker Blackstone Realty, Kelli Vanevenhoven, discusses the current state of the real estate market and what it means for you and your current financial situation.   Kelli discusses:   Her educated opinion on where she thinks the real estate market is headed in the next few months How she manages over 160 real estate agents How she makes her business stand out from its competitors and how you can do the same How to know if you should be selling or buying a house right now And more   Resources:   Retirement Plan Playbook: What It Means To Be A Fiduciary (Ep.72)   Connect with Client:  info@rpawealth.com  (909) 296-7977 RPA Wealth Management LinkedIn: Matthew Theal LinkedIn: Brent Pasqua LinkedIn: Joshua Winterswyk LinkedIn: RPA Wealth Management   Connect with Kelli Vanevenhoven:   LinkedIn: Kelli Vanevenhoven kelli@callkelli.com Coldwell Banker Blackstone Realty Website   About our Guest:    Kelli Vanevenhoven is the founder and real estate agent of Coldwell Banker Blackstone Realty who is extremely versed in the real estate market. Kelli is passionate about helping people reach their goals. Kelly has been serving in the Southern California marketplace for over two decades and has closed over 300 million in real estate transactions.   Kelli specializes in luxury homes, REO sales, relocation, first-time home buyers, and the training of new real estate professionals.

The word “fiduciary” gets tossed around a lot in the financial advising industry.   So what does it actually mean and what difference do they make in your financial planning process?   In this episode, Matthew Theal, Brent Pasqua and Joshua Winterswyk discuss what the difference is between a fee-only financial advisor and all other financial advisors and what value a fiduciary fee only financial advisor can add to your financial planning process.   Matthew, Brent, and Joshua discuss:    What a fiduciary is and how they can help you in your financial journey The different ways financial advisors get paid and which method better suits you Why RPA Wealth Management switched from commission to fee-based revenue and how it benefits you Why the meaning of fiduciary has become skewed and how you can be sure you are working with a real one And more   Resources:   Retirement Plan Playbook: How To Tell When a Recession Is Coming And How You Can Prepare For It (Ep.71)   Connect With RPA Wealth Management:  info@rpawealth.com  (909) 296-7977 RPA Wealth Management LinkedIn: Matthew Theal LinkedIn: Brent Pasqua LinkedIn: Joshua Winterswyk LinkedIn: RPA Wealth Management

2022 has been far from a regular year, as have the past three years.   The war in Ukraine, the after effects of Covid-19 on the economy, and talks of a recession all makes 2022 a very unusual year.    But how have these events affected you and your finances?   In this episode, Brent, Matthew, and Joshua discuss some of the most talked about events of 2022 and explain how they have impacted the everyday lives of Americans, just like you.   Brent, Matthew, and Joshua discuss:  Elon Musk vs. Twitter: Why he backed down from his ownership and why he is getting sued How the Ukraine and Russian war has influenced this major spike in inflation What characteristics in the economy tell you that a recession is occurring How global events have subliminally impacted your spending patterns And more   Resources: Retirement Plan Playbook: Predictions About Cryptocurrency, The Housing Market, and Interest Rates (Ep.70)   Connect with RPA Wealth Management:  info@rpawealth.com  (909) 296-7977 RPA Wealth Management LinkedIn: Matthew Theal LinkedIn: Brent Pasqua LinkedIn: Joshua Winterswyk LinkedIn: RPA Wealth Management

A lot of people are panicking every time they check their portfolio these days.    There is no need for this, in fact, you should just be riding the wave.   In this episode, Matthew Theal, Brent Pasqua, and Joshua Winterswyk share their insight about the cryptocurrency meltdown, the housing market, and interest rates. They also discuss how their predictions about them can influence you in the coming months and years.   Matthew, Joshua, and Brent discuss:  The cryptocurrency meltdown––comparing crypto from 2020 to now What the future of cryptocurrency investments could look like Their predictions about the housing market and interest rates Some insight about why you shouldn't be panicking during this downturned market And more Resources: Retirement Plan Playbook: Analyzing The Current State Of The Stock Market (Ep.69) Connect with RPA Wealth Management:  info@rpawealth.com  (909) 296-7977 RPA Wealth Management LinkedIn: Matthew Theal LinkedIn: Brent Pasqua LinkedIn: Joshua Winterswyk LinkedIn: RPA Wealth Management

Unless you have been living under a rock for the past few months, you have noticed the intense effects of inflation.   In this episode, Brent Pasqua, Matthew Theal, and Joshua Winterswyk discuss the state of the stock market as of June 2022 and highlight what a downturned market has meant for investors throughout history.   Brent, Matt, and Joshua discuss:  Their thoughts on the new LIV golf tournament (rival to the PGA tour) The effects of the rising consumer price index and the staggering increase of inflation Their opinions of what this inflation will cause in the United States The upside on the downturned stock market and what it means for the future of your investments And more   Resources: Retirement Plan Playbook: Our Onboarding Process at RPA Wealth Management (Ep.68)   Connect With RPA Wealth Management:  info@rpawealth.com  (909) 296-7977 RPA Wealth Management LinkedIn: Matthew Theal LinkedIn: Brent Pasqua LinkedIn: Joshua Winterswyk LinkedIn: RPA Wealth Management

If you have never worked with a financial advisor before, it can leave you wondering what to expect during the onboarding process of becoming a client.   In this episode, Matthew Theal, Brent Pasqua, and Joshua Winterswyk walk you through the process of what it's like to start working with their team.   Matthew, Brent, and Joshua, discuss: How they apply a seven step financial planning process The structure of each meeting with you The first questions they will ask you and how your responses determine a financial plan How they communicate with you And more Resources: Retirement Plan Playbook: What To Expect When Working with RPA Wealth Management (Ep.67)   Connect With RPA Wealth Management:   info@rpawealth.com  (909) 296-7977 RPA Wealth Management LinkedIn: Matthew Theal LinkedIn: Brent Pasqua LinkedIn: Joshua Winterswyk LinkedIn: RPA Wealth Management

No one's financial plan should be identical to another's because everyone's financial journey is going to be different.   What are your unique financial goals?   In this episode, Matthew Theal, Brent Pasqua, and Joshua Winterswyk discuss how they personalize their financial services to each of their clients to fulfill their unique financial goals and needs.    Matthew, Brent, and Joshua discuss:  An overview of services their company has to offer you The importance of laying out your goals before creating a financial plan Why their clients don't need to be located in the same area as RPA Wealth Management to use their services What you need to bring to your first financial planning session And more Connect With RPA Wealth Management: info@rpawealth.com  (909) 296-7977 RPA Wealth Management LinkedIn: Matthew Theal LinkedIn: Brent Pasqua LinkedIn: Joshua Winterswyk LinkedIn: RPA Wealth Management

No one person is the same, so therefore each portfolio and client should be treated differently based on their personal goals for retirement. In this episode, Matthew Theal, Brent Pasqua and Joshua Winterswyk, sit down to discuss the next steps for the Retirement Plan Playbook and their focus on helping those that are ready to retire. Together they highlight how their team works to connect with their clients and achieve their goals. Matthew, Brent, and Joshua discuss:  How they got started in financial planning and what brought them together What separates their practice from other financial firms How they spend their time with friends and family outside of work And more Connect With RPA Wealth Management: info@rpawealth.com  (909) 296-7977 RPA Wealth Management LinkedIn: Matthew Theal LinkedIn: Brent Pasqua LinkedIn: Joshua Winterswyk LinkedIn: RPA Wealth Management

Whether you are talking about inflated prices of grocery lists or the struggling stock market, the conversation of an approaching recession is all around us.   In this episode, Matthew Theal, Brent Pasqua and Joshua Winterswyk of RPA Wealth Management, discuss common questions and concerns when potentially approaching a recession. Together they break down the nerves of working in an unhealthy economy and entering into your retirement.    Matthew, Brent, and Joshua discuss: The definition of a recession and what it potentially indicates for cost of living and the stocks Why people think we are heading into a recession and the different causes How to take advantage of a recession to make better retirement decisions And more   Connect With RPA Wealth Management: info@rpawealth.com  (909) 296-7977 RPA Wealth Management LinkedIn: Matthew Theal LinkedIn: Brent Pasqua LinkedIn: Joshua Winterswyk LinkedIn: RPA Wealth Management

The conflict between Russia and Ukraine has invoked fear in investors because some believe that this event will cause a crash in the American stock market. Is there truth to this sentiment? Or will the market gloss over this news item in a couple weeks? Brent, Matthew, and Joshua will take a look at how the stock market has performed in previous wartimes and draw some conclusions based on the historical data. Important Links: Website: https://rpawealth.com/ Call: 909-296-7977

Inflation has been a hot topic since last year and rates are still rising. It's important that you find a way to hedge against this risk, so your retirement does not suffer. Brent, Matthew, and Joshua discuss some different ways you can protect your portfolio from inflation. Important Links: Website: https://rpawealth.com/ Call: 909-296-7977

With 2021 in the rearview mirror, Brent, Matthew, and Joshua look ahead to what the rest of 2022 may have in store for us. Important Links: Website: https://rpawealth.com/ Call: 909-296-7977

Brent, Matthew, and Joshua say goodbye to 2021 on this episode by highlighting their favorite moments of the year, what shocked them the most, and what they are looking forward to in the new year. Important Links: Website: https://rpawealth.com/ Call: 909-296-7977

The end of the year is once again upon us. This is a great time to look at your finances and see if there are any improvements you can make. Brent, Matthew, and Joshua will talk about some end of the year strategies you can implement, so you can kick off 2022 with a solid financial situation. Important Links: Website: https://rpawealth.com/ Call: 909-296-7977

One important financial tool that is often overlooked is a balance sheet. This will help you keep an inventory of the financial assets you have and you can easily track your progress from year to year. Brent, Matthew, and Joshua will walk you through on how to create a balance sheet, the different elements you should include, and how you can utilize this tool to make better financial decisions. Important Links: Website: https://rpawealth.com/ Call: 909-296-7977

We invite Amber Storms of Collaborative Tax Partners to the podcast this week. Amber is an enrolled agent, which is the highest credential that is awarded by the IRS. She is passionate about helping her clients navigate through the complex and ever-changing tax landscape. Brent, Matthew, and Joshua discuss common mistakes Amber sees in her practice, collaborative tax planning, and some considerations to keep in mind as we approach the end of the year. Amber's Links: Website: https://www.collaborativetaxpartners.com/ Email: amber@ctptax.com Call: 877-634-3377 RPA's Links: Website: https://rpawealth.com/ Call: 909-296-7977

We have been feeling the effects of inflation over the past year and this topic of conversation is quickly becoming a top concern. Brent, Matthew, and Joshua talk about some of the factors that have contributed to the rise of inflation and some of their favorite cash management strategies to protect against this risk. Important Links: Website: https://rpawealth.com/ Call: 909-296-7977

Quarter three just wrapped up and the numbers are in. Brent, Matthew, and Joshua discuss reasons for the slight pullback and some newsworthy items to be aware of as we head into the last quarter of the year. Important Links: Website: https://rpawealth.com/ Call: 909-296-7977

Joe Biden's tax proposal has made its way to the House for discussion and there have been many changes made from the original plan. Brent, Matthew, and Joshua will discuss the key items that are in this proposal and who will be impacted by these possible changes. Important Links: Website: https://rpawealth.com/ Call: 909-296-7977

We have witnessed the S&P 500 continue to rise over the past few years and now retirement accounts are at all time highs right now. But we should take a step back to review the investments every so often to see if there are other opportunities we can take advantage of. Brent, Matthew, and Joshua discuss the importance of knowing what your goals for your investments are and how knowing this information can help you make more specific customizations in yoru plan. Important Links: Website: https://rpawealth.com/ Call: 909-296-7977

Your lifestyle and financial situation can be drastically impacted by what state you reside in during retirement. Brent, Matthew, and Joshua will compare and contrast the tax laws of California with the laws of states that many people choose to move to after they retire, and will help you financially prepare for moving out-of-state. Important Links: Website: https://rpawealth.com/ Call: 909-296-7977

On today's show, Brent, Matthew and Joshua will review highlights from the second quarter, some factors that might affect the market down the road, and how these numbers correlate to the current health of the U.S. economy. Important Links: Website: https://rpawealth.com/ Call: 909-296-7977

One of the most important factors in a financial plan is the amount of risk you have in your portfolio. This factor varies from person to person, so it's vital to get your risk tolerance and capacity customized to your wants and needs and not just thrown into a one-size-fits all plan. Brent., Matthew, and Joshua talk about the considerations they go through when determining someone's risk tolerance and how this may change as you get closer to retirement. Important Links: Website: https://rpawealth.com/ Call: 909-296-7977

It's the 50th episode of the podcast! In honor of this milestone, Brent, Matthew, and Joshua reflect on some of the financial knowledge and lessons they have gained along the way. Important Links: Website: https://rpawealth.com/ Call: 909-296-7977

If you were to receive a lump sum of money right now, how would you invest it? This question can feel overwhelming to many people because of how many options there are. We hope to provide some clarity to this situation on today's show. Brent, Matthew, and Joshua discuss some proactive ways to invest a lump sum of money, and why age is such a big factor in this decision. Important Links: Website: https://rpawealth.com/ Call: 909-296-7977

The topic of inflation has been getting a lot of attention from the mainstream media lately. People are worried that inflation is going to continue to rise and skyrocket. As with any piece of news media, it's important that we take a step back and look at what's actually going on. Brent, Matthew, and Joshua will discuss the current inflation environment and if this issue should be a top concern right now. Important Links: Website: https://rpawealth.com/ Call: 909-296-7977

Renowned personal finance author, Ramit Sethi, had recently tweeted about the 4 signs when you might want a financial advisor. Brent, Matthew, and Joshua offer their opinions on this tweet and discuss how an advisor can add value to your situation. Important Links: Website: https://rpawealth.com/ Call: 909-296-7977

Building personal wealth can take a long time to do and making smart, financial choices can be difficult to carry out. On top of that, there are many products in the financial industry that can do more harm than good and can affect your personal wealth long term. Brent, Matthew, and Joshua discuss some potential wealth destroyers they have seen in their practice and offer a few strategies that might help you get out of these situations. Important Links: Website: https://rpawealth.com/ Call: 909-296-7977

Many people are preparing their taxes right now, so we thought this would be a great opportunity to talk about some tax saving strategies you can possibly implement. On today's show, Brent, Matthew, and Joshua discuss the different ways you can be proactive in your tax planning and some of the lesser known strategies. Important Links: Website: https://rpawealth.com/ Call: 909-296-7977

One point that we reiterate on the podcast is the importance of being an informed investor and not a daytrader. One way to eliminate some of the guess work is by investing in an index fund. This investment tool is meant to mimic a financial market index such as the S&P 500. In other words, you will have a better idea on your expected rate of return and the amount of risk you are subjected to. Brent, Matthew, and Joshua talk about where you can get an index fund and why this investment is a great fit for many financial plans out there. Important Links: Website: https://rpawealth.com/ Call: 909-296-7977

If you tune into any financial news, you have probably heard about cryptocurrencies, the most popular one being Bitcoin. Many people are interested in this novel investment because of how well it has been doing lately and they don't want to miss out. However, as with any popular topic, it can be difficult to filter through noisy opinions and find factual information. Brent, Matthew, and Joshua discuss what Bitcoin is, how it's being used, and why it's difficult to be regulated. Important Links: Website: https://rpawealth.com/ Call: 909-296-7977