My mission is to educate and inform clients about the landmines and peace of mind strategies to help them retire or feel care free in retirement.
Since we are in an election year there may be some changes coming through the market. Does it matter if a Republican or Democrat is in office?
If you are considering retiring, have you thought about what your healthcare costs are going to be? There are a few considerations to keep in mind before you turn 65 and are paying for your own healthcare.
Social Security is a crucial aspect of retirement planning. Nick Bautista explains the strategies for maximizing benefits and common pitfalls to avoid.
Nick Bautista shares how the debt ceiling is impacting the market and getting lots of headlines.
Will the FED finally stop raising the Fed Funds interest rate? It appears it may be likely, so what does that mean for the economy and market moving forward?
In this episode Nick Bautista discusses Social Security insolvency and the steps needed to take so Social Security doesn't run out of money. Projection Website: https://www.crfb.org/blogs/cbo-only-decade-until-social-security-insolvency Calculator Tool: https://www.crfb.org/socialsecurityreformer/
Nick talks through the market outlook for 2023 while revisiting the FED funds rate, unemployment and inflation. Nick makes a case as to how each one is affecting the FEDs decision making and what it might mean for the markets.
The Secure Act 2.0 brought about important changes to retirement planning, from RMD age to contribution limits. Learn if it affects you.
Nick Bautista describes the idea of how to invest in short term bonds and the advantages of using high interest savings accounts. Ally.com https://www.ally.com American Express Savings https://www.americanexpress.com/en-us/banking/online-savings/high-yield-savings/
As we come to a close for 2022, Nick Bautista reviews a few tax planning strategies that deal with HSAs, investment loss harvesting, and charitable giving.
Nick Bautista gives updates about Student Loan Forgiveness, the amount Social Security is increasing and the potential rate for Series I Bonds starting in November. Link to Student Loan Application: https://studentaid.gov/debt-relief/application
Topics include the Economy, the Market and some nice changes for Medicare for 2023.
In this podcast Nick Bautista shares why the US Dollar is so strong and what that means for us going forward.
You can now get up to $20,000 in student loans forgiven. There are still lots of details to be hammered out but there are income limits for forgiveness. https://studentaid.gov/debt-relief-announcement/
California recently made $100 available for newborns that were born after July 1st, 2022. Here's how to get that $100.
Lots happening this week, Build Back Better bill gets a green light, GDP negative, and the FED raised interest rates. Hear how it will affect you personally.
In this video Nick Bautista reviews what has happened to Bonds this year.
Nick Bautista talks about a potentially big increase coming for Social Security and the current state of the economy.
Nick Bautista explains what a Target Date Fund is and the pros and cons of owning one.
Nick Bautista reviews the benefits of working part time in retirement. With some benefits you may not have even thought of!
Nick Bautista breaks down the benefit of using capital losses to save money on taxes. In this episode you will learn the benefits to realize a loss today to offset income or future capital gains.
Have you heard of the Series I bond? Well if you haven't its currently the best kept secret. Find out how you get get 9.62% until October 2022 by buying a Series I Bond.
How do you stack up to the US Average 401k balance? What amount should you have saved at this point in life. Ideas to consider for retirement.
Find yourself needing cash in retirement but don't want to tap into your normal retirement distributions to fund your spending goal? You have options!
Did you know not all income is taxed the same? Nick Bautista lays out how there are different ways your investments and accounts are taxed and strategies to consider to lower your overall taxes.
Inflation got you down? Nick Bautista reviews how we plan for inflation and how it affects your overall retirement plan.
With the Secure Act 2.0 gaining momentum after it passed in the House on 3/30/2022, there are now new opportunities to explore for retirement planning. Nick Bautista explores a few strategies from the new updates soon to come.
Nick Bautista describes the benefits of using a 0% Credit Card to pay for certain items or expenses you may have.
What does it mean that the FED raised interest rate? How will it affect me?
Nick Bautista reviews the Redfin 2022 Market predictions. He gives some insight on interest rates and the overall view of Real Estate. Link to Redfin's predictions: https://www.redfin.com/news/housing-market-predictions-2022/
Nick discusses the updates he is seeing around inflation and the overall market.
Nick Bautista answers the question about if you should be invested less aggressive in retirement.
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