Financial and retirement planning guidance from mid-Michigan's Dan Reese & Brent Oliver of Avery Wealth. We'll cover topics like investing, income, taxes, insurance and much more.
Understanding Social Security can be confusing, especially when there is a divorce or the death of a spouse. Today we are going to discuss some of the common questions about benefits and ways to maximize the amount of money you receive if you find yourself in either of these situations. Contact: https://www.averywealth.com/ 517-783-1695
Have you ever wondered if you are putting money in the right place? Today, we are going to discuss the hierarchy of savings vehicles to give you a roadmap for where to put your next dollar of savings. Stay tuned for a very helpful and important conversation with Dan and Brent! Contact: https://www.averywealth.com/ 517-783-1695
Welcome to the Retirement Café! Today we are going to talk about the power of having a statement of financial purpose and how it can help you improve your financial decision-making and well-being. Contact: https://www.averywealth.com/ 517-783-1695
Welcome to the Retirement Café! Today we are going to talk about some of the reasons or excuses that families have for not participating in the Financial Planning process and what you can do to start moving forward. Contact: https://www.averywealth.com/ 517-783-1695
Welcome to the Retirement Café! Today we are going to talk about the 5 Tax Gotchas in Retirement. If you are close to retirement and have been a good saver, your retirement accounts can create tax issues. Not only for you but for your heirs. As the old Morgan Stanley advertisement used to say, “You must pay taxes. But there's no law that says you've gotta leave a tip." Contact: https://www.averywealth.com/ 517-783-1695
Warren Buffett once said, "Banking is a very good business if you don't do anything dumb." Well, it makes you wonder about the leadership in some of the banks that have failed this year. Today we are going to talk about how banks make money, what can lead to bank failures, and what protection is there for the average American with money they have in the bank or invested in securities. Contact: https://www.averywealth.com/ 517-783-1695
Welcome to the Retirement Café! Today we are going to talk about predicting the future and why listening to predictions can be such an issue for so many families. Contact: https://www.averywealth.com/ 517-783-1695
Albert Einstein once said, “Everything should be made as simple as possible, but not simpler.” Today we are going to talk about why the overabundance of financial information and technology tools may be preventing families from achieving financial independence versus helping them. Contact: https://www.averywealth.com/ 517-783-1695
Welcome to The Retirement Café! Today we are going to discuss what is in the new Secure Act 2.0 which is part of the massive $1.7 trillion omnibus spending bill passed by congress at the end of 2022. Understanding the changes for those working and those retired is important so you can make good financial decisions in 2023 and beyond. Contact: https://www.averywealth.com/ 517-783-1695
Theodore Roosevelt once said, “The more you know about the past, the better prepared you are for the future.” Every year the market has a way of reminding us of lessons taught in previous years. Today we are going to talk about what the market taught us in 2022. Contact: https://www.averywealth.com/ 517-783-1695
Welcome to the Retirement Café! Today we are going to discuss one of the most important areas of financial planning: Your savings rate. Understanding how to evaluate and improve your savings rate is a key to becoming financially independent and reducing overall stress around money. Contact: https://www.averywealth.com/ 517-783-1695
Rising inflation rates and volatile stock markets are causing many investors to worry about the future of their investments. Today, we are going to talk about bear markets and some strategies you can use to not only endure but thrive during times of uncertainty. Contact: https://www.averywealth.com/ 517-783-1695
Welcome to the Retirement Café! It's a big transition when you leave the workforce to live off your savings, requiring an attitude adjustment. Today we are going to discuss some of the issues to consider when you flip the switch from saving to spending your nest egg. Contact: https://www.averywealth.com/ 517-783-1695
Today on The Retirement Café, we are going to dive into a simple approach to evaluating investment options that will help you avoid catastrophic results. Contact: https://www.averywealth.com/ 517-783-1695
Today on The Retirement Café, we are going to talk about seven expenses that can potentially have a massive impact on your retirement and how to properly plan for them. Contact: https://www.averywealth.com/ 517-783-1695
Today on The Retirement Café, we will be discussing some financial vital signs you should be monitoring in order to reach your financial goals. Contact: https://www.averywealth.com/ 517-783-1695
Today, we are going to discuss the most common tax questions that we are asked by pre-retirees and retirees. Contact: https://www.averywealth.com/ 517-783-1695
Today on The Retirement Café, we are going to discuss the recent market drop and if there are any positives that may come out of it. Contact: https://www.averywealth.com/ 517-783-1695
Today on The Retirement Café, we are going to discuss how retirement planning is like many things in life. As the famous author Robert Burns once said, “The best laid schemes of mice and men go oft awry," and that statement couldn't be truer when it comes to a retirement income plan. Contact: https://www.averywealth.com/ 517-783-1695
Today on The Retirement Café, we are going to talk about some important ages everyone needs to know in order to have a successful retirement plan. Contact: https://www.averywealth.com/ 517-783-1695
Today on The Retirement Café, we are going to discuss how to deal with all of the noise that we are all bombarded with on a daily basis around money. The noise can cause stress and make it difficult to relax and enjoy the retirement that you worked hard to achieve. Contact: https://www.averywealth.com/ 517-783-1695
Today on The Retirement Café, we are going to discuss what statistics show us that families actually spend in retirement. Determining a spending plan in retirement is one of the most important things in developing a solid retirement plan. Contact: https://www.averywealth.com/ 517-783-1695
Today on The Retirement Café, we are going to discuss realistic expectations for investment returns. Many times, families have a hard time determining how they are doing with their investments, so today we are going to discuss historical information to give you a better idea on how to judge your results. Contact: https://www.averywealth.com/ 517-783-1695
Today on The Retirement Café, we are going to do something a little different. Instead of focusing on one topic, we are going to answer a handful of common retirement questions that listeners have asked Dan and Brent over the years. Obviously, we can't answer them all in one episode, so we are focusing on some of the more common one's. Contact: https://www.averywealth.com/ 517-783-1695
Welcome to the Retirement Café. We will be discussing some strategies that may help you save money in your retirement plan. Tune in today to see if you may be able to find those missing dollars. Contact: https://www.averywealth.com/ 517-783-1695
Welcome to the Retirement Café. It's no secret that the financial world can be overwhelming and it can be difficult to make a decision with all the information out there. Today we hope to provide some clarity and lay out 5 steps to help you out when you go to choose an investment fund. Contact: https://www.averywealth.com/ 517-783-1695
Welcome to the Retirement Café. There is a lot going on in the world right now. The Federal Reserve just raised rates for the first time since 2018. Inflation is at the highest level in years and the conflict between the Ukraine and Russia have created uncertainty. Today we are going to talk a little bit about each of these areas and what these influences mean to you and your investments. Contact: https://www.averywealth.com/ 517-783-1695
Welcome to the Retirement Café. Today we are going to talk about the three hurdles you need to clear in order to ensure that your wishes are carried out when you are no longer here. Contact: https://www.averywealth.com/ 517-783-1695
Today on the Retirement Café, we are going to talk about why having your goals and wishes in your estate plan is so crucial. This will not only give you peace of mind, but your loved ones as well. This ensures that everything goes smoothly in a time of high stress and emotion. Dan and Brent will talk about the things you should get in place while you are still in good health and the difference this can make. Contact: https://www.averywealth.com/ 517-783-1695
Today on the Retirement Café, we are going to discuss how we get in our own way when it comes to money. As humans, we feel a wide variety of emotions and can act irrationally because of them. When putting together a long term retirement plan, these emotions often cause problems and can be a detriment if not kept in check. Dan and Brent will discuss some of the ways we can combat these emotions on today's show. Contact: https://www.averywealth.com/ 517-783-1695
Today on the Retirement Café, we are going to talk about the power of planning in reverse order. That may sound a little odd to some, but I think by the end of our episode today Dan and Brent will help you to see the power of this concept. Contact: https://www.averywealth.com/ 517-783-1695
Today on the Retirement Café, we are going to get into everyone's favorite topic: Taxes! More specifically, we are going to talk about as a retiree, what issues you should consider when reviewing your 2021 return. Contact: https://www.averywealth.com/ 517-783-1695
Welcome back as today we are going to finish our two part series on What the Market Taught us in 2021. Last time we talked about who put together this list of lessons can you give us a recap on how this came about. Link To Article: https://bit.ly/3rdkV6D Contact: https://www.averywealth.com/ 517-783-1695
Theodore Roosevelt once said, “The more you know about the past, the better prepared you are for the future.” Every year the market has a way of reminding us of lessons taught in previous years. Today we are going to begin a two-part series on What the Market Taught us in 2021. Link To Article: https://bit.ly/3AMXunQ Contact: https://www.averywealth.com/ 517-783-1695
Today on The Retirement Café, we discuss common fears that pop up as you approach retirement and some steps you can take to alleviate these fears. Contact: https://www.averywealth.com/ 517-783-1695
Today on The Retirement Café, we are going to discuss creating a charitable giving strategy. As we start a new year, this seems like a great topic to tackle. Contact: https://www.averywealth.com/ 517-783-1695
Today on The Retirement Café, we are going to talk about how to critique and analyze your retirement plan through four distinct frames. Contact: https://www.averywealth.com/ 517-783-1695
Today on The Retirement Café, we are going to discuss something that most retirees worry about at some point in retirement: A market crash ruining their retirement. Contact: https://www.averywealth.com/ 517-783-1695
This week on the Retirement Café we are going to discuss the Wealth Planning Pyramid. It's something Dan and Brent use regularly in their practice, and they felt it would be beneficial to spend some time reviewing it. Contact: https://www.averywealth.com/ 517-783-1695
One of the buzzwords around financial planning and investment management is fiduciary. On today's show we are going to spend some time talking about what a fiduciary is and if a fiduciary may be appropriate for your needs. Contact: https://www.averywealth.com/ 517-783-1695
Today we are going to discuss one of the most powerful tools in financial planning. The Roth IRA. They have been around for over 20 years, but many people don't fully understand what they are and if they should be using them. Hopefully we will be able to clear much of that up today for everyone listening! Contact: https://www.averywealth.com/ 517-783-1695
One of the more confusing parts of owning a retirement account is required minimum distributions. Today we are going to jump into the topic and try to help you better understand what RMD's are and how they can affect your retirement planning. Contact: https://www.averywealth.com/ 517-783-1695
When we think about receiving a large lump sum of money, we tend to look at that as a positive thing. However, if you look at the statistics among NFL players and lottery winners, they end up filing for bankruptcy only a couple years after receiving those big checks. On today's show, Dan and Brent talk about some proactive steps you should take when receiving a large amount of money and where most people go wrong. Contact: https://www.averywealth.com/ 517-783-1695
College is one of the most expensive investments you will make in your life. But most people do not shop for college in the same way they would for a house, or car. Instead, they ask their child what university they're interested in, visit the campus, and worry about the cost later. Dan and Brent talk to us about a tool that will help compare prices between different universities and help shop smarter for college. Contact: https://www.averywealth.com/ 517-783-1695
On this show, we want you to look at your finances in a different way: visually. Research shows that many people learn and understand concepts better when they can see them in a visual format versus in other ways. So Brent and Dan are going to break this down today and discuss some of the tools they use to present information visually. Contact: https://www.averywealth.com/ 517-783-1695
Today's episode is all about better understanding your 401(k) plan and strategies that you may be able to use to optimize it. Contact: https://www.averywealth.com/ 517-783-1695
Today's episode is all about keeping tabs on where you have been, where you are currently, and where you are heading. Dan and Brent consider this one of the biggest keys to long-term success. It also can be one of the most challenging tasks when dealing with money. Contact: https://www.averywealth.com/ 517-783-1695
On today's episode we are going to discuss the importance of understanding your tax return and how it can contribute to building more wealth. We all know that taxes are a reality and that they can be confusing! Hopefully we can help improve your understanding on the subject and provide a great tool to help you understand your specific return better. Contact: https://www.averywealth.com/ 517-783-1695
Diversification is one of the most important fundamental investing ideals. This concept seems to be misunderstood and many people's portfolios aren't truly diversified. We address what proper diversification might look like and debunk some of the popular misconceptions. Contact: https://www.averywealth.com/ 517-783-1695
There are many people that feel like they will never be able to retire. They worry that they will not have enough money to live off of to be comfortable, but this can be solved by developing an income plan. Knowing where your different streams of income are coming from each month can ease this worry and give you the confidence to finally retire. Dan and Brent talk us through how they build income plans for their clients and what considerations they have to make throughout this process. Contact: https://www.averywealth.com/ 517-783-1695
Medicare can be difficult to understand because it contains a variety of moving parts. There are a lot of misconceptions about the coverage you receive and what the different parts provide. Dan and Brent look to clear up some confusion with Medicare and discuss the penalties if you apply late and some possible remedies to solve that situation. Contact: https://www.averywealth.com/ 517-783-1695
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