Podcast by TJ Stearns inc
Listen as Tim Stearns discusses how using the wrong investment return assumptions can lead to failed retirement planning on this week’s episode of 0515.
CARING FOR MOM & FAMILY – There was a rush to get life insurance in the midst of this pandemic… How do you calculate the amount of insurance you should have? What type? Why is this important? Listen as Tim Stearns discusses ways to protect yourself and loved ones on this week’s episode.
ARE YOU PREPARED? – Do you know how long you would be able to generate the income you need if your paycheck stopped today? On this week’s episode Tim Stearns addresses different questions that you should ask yourself when planning for retirement.
YOUR 401(K) & EMPLOYER PLAN – Getting a match on contributions is a fantastic opportunity, not to be missed. You CANNOT get that kind of guaranteed immediate return anywhere else. Tune in to learn more as Tim Stearns discusses what you need to know about participating in your 401(k) or the retirement plan offered through your employer.
ROTH CONVERSION OPPORTUNITIES – We have a new president with new agendas. What does this mean for taxes? How do you protect yourself from the possibility of taxes going up? On this week’s episode Tim Stearns will be discussing tax-deferral & it’s consequences, tax-free income, & Roth IRA’s.
LAST MINUTE TAX MOVES – The tax deadline is upon us. We all want to save as much as possible and pay as little as possible, but how do we control our tax bill? Listen as Tim Stearns discusses last minute tax moves on this week’s episode.
DEBT, CREDIT, BUDGET & INCOME – Basically, there are two sides to debt. It can be working against you or, if you have capital and are willing to take measured risks, it can work in your favor. Some have even found ways to do both simultaneously. Listen as Tim Stearns discusses this topic and more on this week’s episode.
TAXES (PLANNING VS FILING) – In retirement, tax-deferral changes to tax payments. Many retirees somehow find this a surprise. Taxes must be factored into your retirement income plan, and education about this should be starting much earlier. Listen as Tim Stearns discusses the importance of future tax planning on this week’s episode.
LUCK VS PLANNING – We’d all love to find a great investment. We all can look back and say, “I wish I had bought some of that stock 10 years ago”. The truth is though, getting “lucky” with your investments is more often NOT the key to success. Listen as Tim STearns discusses luck VS planning on this week’s episode.
THE COUNTDOWN ISSUES – Taxes don’t stop in retirement. The IRS does not forget about you. Taxes will still be due on any growth on your money and on all withdrawals taken from your tax-deferred accounts like IRA’s & 401(k)’s. This is just one topic that Tim Stearns covers that should be addressed when counting down to retirement.
(NOT) GOING BROKE IN RETIREMENT – How much do you need to retire? How long will that amount last you? The top fear is running out of money in retirement. Listen as Tim Stearns discusses how we need to address this fear, and the risks that could cause it to happen.
UNDERSTANDING YOUR INVESTMENT OPTIONS – On this week’s episode, Tim Stearns discusses the different investment options that you may hear about as you consider your retirement portfolio.
PROTECTING YOUR SPOUSE – With Valentine’s Day around the corner, what better time to examine what we do for our loved ones. On this week’s episode, Tim Stearns discusses where we can improve (or perhaps jeopardize) our spouse and our family’s financial security.
STEALTH TAXES - Taxes are top of mind for savers and investors as we look to the future. This week on the program, CFP® Tim Stearns discusses 6 stealth taxes that can cost you much more than you anticipated, and strategies on how to control your tax liability.
YOUR PLAN – What are the top items on your “to-do” list? The answer may surprise you or it could be something that has lingered on your mind, but because you didn’t have a written plan of action, has still not been addressed. Listen as Tim Stearns discusses this topic and more on this week’s episode.
PROS & CONS OF YOUR 401K – What percent to save, what funds to allocate to, can I do a Roth? These are just a few questions that Tim Stearns will cover on this week’s episode.
GETTING SAVINGS BACK ON TRACK – Above the amount we earmark for our emergency account, it is important to get our money working for us. On this week’s episode Tim Stearns will be talking about making the most of your savings opportunities, including making your money work for you.
WHAT PLANNING IS ABOUT – While you may not think of taxes as a risk factor, the fact that they can be raised makes them a risk. By taking advantage of current rates and working with a professional, you can create a long-term tax minimization strategy for retirement and adjust it as needed. Listen as Tim Stearns discusses this topic and more on this week’s episode.
IT’S (FINALLY) 2021! – 2020 was an eye-opening year for estate planning. Listen as Tim Stearns discusses why it is important to make sure your estate plan is in order this year.
FINANCIAL RESOLUTIONS – An admirable financial goal for the New Year is to boost your investments even further through taxable accounts or alternative investments. This is just one resolution that Tim Stearns discusses in this week’s episode.
THE HOLIDAYS – There are many items that you should consider taking care of before the turn of the calendar year, which really means before the final holiday season. Listen as Tim Stearns discusses the importance of meeting with a financial professional this time of year.
END OF YEAR PLANNING – Financial resolutions are some of the most common New Year’s resolutions made. How can the help of a financial professional improve your chances of actually setting and achieving meaningful financial accomplishments? Listen as Tim Stearns discusses this topic and more on this week’s episode.
MUCH TO BE THANKFUL FOR – In this crazy year, we still have much to be thankful for. Tim Stearns discusses this and more in this week's edition of Protect & Grow.
Following the market's ups and downs and trying to make financial progress can be challenging, but it's not what you make. It's what you keep that matters. Chichagoland CFP Tim Stearns reviews strategies to keep more of your money.
TAKING RISK – How much risk should I take? The balance of risk and safety is a constant discussion and point of concern. How can we identify risk and gauge whether it is appropriate? Listen as Tim Stearns discusses risk and how to identity it on this week’s episode.
10 STEPS TO PLANNING – Defining your income gap and understanding the math behind how much income your portfolio will need to generate in retirement should be one goal of your income plan. On this week’s episode CFP Tim Stearns discusses 10 steps to take to help reach your retirement goals and why defining your income gap is such an important step.
RETIREMENT INCOME PLANNING - On this week’s episode of "Chicagoland Retirement - Protect & Grow" CFP® Tim Stearns will be addressing many of the numerous risks that concern retirees and how many of them can be addressed through having a specific, systematic, and written plan for generating retirement income.
MONEY IN MOTION - FEES ARE TOO HIGH: Carefully reviewing accounts for fees can reveal that you might be paying too much. If you discover that you are paying excessive fees for the service that is being provided or the funds that you are in, consider moving or repositioning to better control and manage expenses. This is just one of the 8 moments to move your money that Tim discusses on this week’s episode.
“7 FINANCIAL MYTHS” I DON’T NEED LIFE INSURANCE ONCE I RETIRE - What if suddenly in your 80’s that lump sum that convinced you that you didn’t need to continue to carry life insurance when you were in your 60’s is significantly less significant? This is just one of the “7 Financial Myths” that Tim Stearns covers on this week’s episode of Protect and Grow.
FIFTY 401(K) MISTAKES - Forgetting to withhold taxes on withdrawals is just one mistake you can make when it comes to your 401(K). Listen as Tim Stearns discusses fifty 401(K) mistakes on this week’s episode.
Not planning for Longevity - Longevity is by far the biggest risk to your financial stability and security in retirement. The fact that we may live for an extended number of years beyond the paycheck significantly increases the likelihood that we might outlive our savings. Listen as Tim discusses this topic and more on this week’s episode.
The Countdown to Retirement - ARE YOU READY TO RETIRE? - How Prepared Are You? - Do you hold annual reviews of your plan to assess if you have met previous goals and to set new goals and benchmarks? Do you know the cashflow rate your portfolio will need to generate in order to meet your retirement needs? Listen as Tim Stearns discusses things you should know in order to prepare for retirement.
With any plan for financial legacy, legal documents need to be put into place for protection. Even without great wealth to transfer, at least simple, properly updated, and executed legal documents are essential for almost every adult. Listen as Tim Stearns discusses wills & trusts in this week’s episode.
Getting a match on 401(K) contributions is a fantastic opportunity, not to be missed. You CANNOT get that kind of guaranteed, immediate return anywhere else. Is there ever a time that we should NOT be taking advantage of the match? Listen as Tim Stearns discusses this topic and more on this week’s episode.
Blueprints are very detailed. It is in the details that we can identify and address any problems that are found. Listen as Tim Stearns discusses the importance of having a financial blueprint in this week’s episode.
Throughout this crisis, people are recognizing the need for qualified, professional advice and guidance now more than ever. Listen as Tim talks about the different ways a financial professional can help you get a better understanding of what financial planning really is.
With pensions now a rarity and the 401(k) balance has taken its place, the investment account is now responsible to generate a portion of that once secure retirement income. Listen as Tim Stearns discusses this topic and more on this week’s episode.
Unfortunately, we are more susceptible to be taken advantage of in exactly times like these, in crisis, when we are in need and emotional. The scammers know this and look for opportunities like this to take advantage.
As industry does come back, what will the lasting impacts be on the consumer? If there is a push to have more of our production “Made In America”, how does that impact consumer prices?
There are some investment “safeguards” that have a preplanned, pre-determined point at which they will automatically sell to prevent significant losses. Listen to Tim Stearns discuss this and more in this week’s episode.
Your “paycheck” is the basis of your financial security. What happens when you lose the ability to produce it?
On this week’s podcast, Tim Stearns will discuss the reasons for implementing an Income Allocation strategy, what risks it will specifically help you address, and describe how the Income Allocation portion of your plan should be structured.
As this generation strives to secure their own retirement, more and more are looking to the future and wanting to also give kids and grandchildren a head start.
Tim Stearns goes over a few differences in the new tax laws and how it can affect your retirement planning. During your working/accumulation years, it’s all about investment management. During your retirement/distribution years, it’s all about tax management.
Tim Goes over the issues that retirees in Chicago are facing when planning for retirement. Some of these issues include not having a written plan, not knowing your cash-flow needs in retirement, and not taking into account future tax payments.
Where there is money, there is tax. Taxes, therefore, must always be part of the financial conversation. There is a difference between tax preparation and tax planning. Tim goes over the difference and how you can benefit from the low tax environment we are in!
In episode 15 of Protect & Grow, Tim talks about a recent article on retiring in today's market. The type of plan you need in order to have a successful retirement.
Tim goes over the 3 benefits you will have with a written retirement plan. Know where the money is going to come from, know when and how much. Tim Stearns is a CFP, is the president and founder of TJ Stearns in Arlington Heights, IL. As a registered Investment Advisor Representative, Tim’s focus in on what is financially best for his clients. He can assist clients with their insurance needs, utilizing Fixed/Fixed Index/Variable Annuities and Life, LTC, Commercial, Property & Casualty, Health Disability and Worker’s Compensation insurance.
On this program, we will discuss and explore a variety of different investment options that we have available to choose from. The pros and cons of each option.
On this episode, Tim goes over the most popular financial myths. About us: Trust. Respect. Results. The three guiding principles we follow at TJ Stearns. TJ Stearns advisors see things differently and know your financial needs are as individual as you are. At TJ Stearns, our priority is to protect and grow your money, and this is done by creating a one-of-a-kind plan that fulfills all your unique needs. More importantly, everyone we work with is treated like family by our team of passionate, loyal, and talented advisors.
© 2020-2025 Ivy Podcast Discovery LLC
