Your Retirement Blueprint: A 210 Financial Podcast

We all imagine hitting retirement and buying our dream boat, dream car, or dream [you fill in the blank]. But how big of a purchase can you make in retirement? Can you make big purchases at all?In this episode, Phil and Kendall are helping us understand when we can shoot for the stars and when we should pinch our pennies in retirement. They also share some guidelines for how to ensure our retirement plan aligns with our retirement goals and how to make big purchases when it fits into our retirement plan.You won't want to miss this one!//Grab a Free Resource at http://retirewith210.com/ --Prefer to watch? Find video versions of every episode on our YouTube channel.Learn how our team at 210 Financial can help you plan for the future at www.210financial.com --Like more free resources? Grab one of our free guides here.//210 Wealth Management, Inc., d/b/a 210 Financial, is a federally registered investment adviser under the Investment Advisers Act of 1940. Registration as an investment adviser does not imply a certain level of skill or training. The oral and written communications of an adviser provide you with information about which you determine to hire or retain an adviser. 210 Financial, Form ADV Part 2A & CRS can be obtained by visiting: https://adviserinfo.sec.gov and search for our firm name. Insurance products are offered through 210 Financial, Inc. d/b/a 210 Financial.

Is there such a thing as “good” debt and “bad” debt when it comes to retirement? Should you even have any debt when you retire? Should cutting out debt always take priority over saving for retirement?In this episode, Phil and Kendall cover some important principles for carrying debt into retirement, what “bad” debt is, and what numbers to consider before you prioritize where your money should be going.Listen to discover the one thing you can do to cut out unnecessary spending in retirement!//Grab a Free Resource at http://retirewith210.com/ --Prefer to watch? Find video versions of every episode on our YouTube channel.Learn how our team at 210 Financial can help you plan for the future at www.210financial.com --Like more free resources? Grab one of our free guides here.//210 Wealth Management, Inc., d/b/a 210 Financial, is a federally registered investment adviser under the Investment Advisers Act of 1940. Registration as an investment adviser does not imply a certain level of skill or training. The oral and written communications of an adviser provide you with information about which you determine to hire or retain an adviser. 210 Financial, Form ADV Part 2A & CRS can be obtained by visiting: https://adviserinfo.sec.gov and search for our firm name. Insurance products are offered through 210 Financial, Inc. d/b/a 210 Financial.

Few things in life are as frustrating as feeling forced to take an action that you know isn't smart, strategic, or beneficial to you in the long run.But for a variety of reasons, certain circumstances can make you feel like selling your holdings—even during a market downturn—is your only option.Here at 210 Financial, we know that there is only one way to avoid making the kind of rash financial decisions that happen when you're backed into a corner:Have a plan that keeps you out of that corner in the first place.In today's conversation, Phil and Kendall share advice on how you can find out if you have a sequence of returns risk, how to play the long game and buy yourself time until the market goes back up, why—as we always say—having a plan that can likely stand up to unforeseen circumstances is the best way to set yourself up for financial success, and more.//Grab a Free Resource at http://retirewith210.com/ --Prefer to watch? Find video versions of every episode on our YouTube channel.Learn how our team at 210 Financial can help you plan for the future at www.210financial.com --Like more free resources? Grab one of our free guides here.//210 Wealth Management, Inc., d/b/a 210 Financial, is a federally registered investment adviser under the Investment Advisers Act of 1940. Registration as an investment adviser does not imply a certain level of skill or training. The oral and written communications of an adviser provide you with information about which you determine to hire or retain an adviser. 210 Financial, Form ADV Part 2A & CRS can be obtained by visiting: https://adviserinfo.sec.gov and search for our firm name. Insurance products are offered through 210 Financial, Inc. d/b/a 210 Financial.

It's 2024—and that means we're already back in another election year. It's no secret that election years bring all sorts of changes, but what does this transitional time mean when it comes to the topic of your finances?In this conversation, Phil and Kendall shed some much-needed light on this topic, explaining why our firm believes taxes will likely go up in the near future, why the IRS may be eyeing the untaxed money in your retirement accounts, whether who is president really makes a difference for our financial plan, why election years tend to lead to temporary volatility in the market, and more.//Grab a Free Resource at http://retirewith210.com/ --Prefer to watch? Find video versions of every episode on our YouTube channel.Learn how our team at 210 Financial can help you plan for the future at www.210financial.com --Like more free resources? Grab one of our free guides here.//210 Wealth Management, Inc., d/b/a 210 Financial, is a federally registered investment adviser under the Investment Advisers Act of 1940. Registration as an investment adviser does not imply a certain level of skill or training. The oral and written communications of an adviser provide you with information about which you determine to hire or retain an adviser. 210 Financial, Form ADV Part 2A & CRS can be obtained by visiting: https://adviserinfo.sec.gov and search for our firm name. Insurance products are offered through 210 Financial, Inc. d/b/a 210 Financial.

Real estate can be a key factor when it comes to financial and retirement planning. Whether you're selling your home so you can finally move to that sunny retirement spot you've always dreamed about, or investing in properties to earn some extra income that will supplement your retirement, you'll be better equipped to reach your ideal financial future if you take the time to learn about real estate. In this episode, we are joined by Josh Graham, a realtor/broker of personal homes and investment properties. He leads a team called Graham Group that operates under RE/MAX Traders Unlimited and also happens to be the dedicated realtor of our very own Kendall Stahl. Josh shares valuable insights on what the real estate market looks like right now and why, advice for how to get the most value out of your home before you sell it, considerations to keep in mind when choosing to invest in single family vs multi-family properties, and so much more.Graham Group WebsiteGet in touch with Josh: 309-258-0543//Grab a Free Resource at http://retirewith210.com/ --Prefer to watch? Find video versions of every episode on our YouTube channel.Learn how our team at 210 Financial can help you plan for the future at www.210financial.com --Like more free resources? Grab one of our free guides here.//210 Wealth Management, Inc., d/b/a 210 Financial, is a federally registered investment adviser under the Investment Advisers Act of 1940. Registration as an investment adviser does not imply a certain level of skill or training. The oral and written communications of an adviser provide you with information about which you determine to hire or retain an adviser. 210 Financial, Form ADV Part 2A & CRS can be obtained by visiting: https://adviserinfo.sec.gov and search for our firm name. Insurance products are offered through 210 Financial, Inc. d/b/a 210 Financial.

Women in finance—it's a crucial topic that doesn't get talked about enough. What are the unique challenges that face women in the financial world? How can a woman best balance the responsibilities of her career, her marriage, and her motherhood in a way that empowers her to provide for her family while also feeling fulfilled?These are big questions we've been wanting to dive into, and we couldn't hope for a better guest to speak on this subject than our very own CEO, Carrie Stahl. As an experienced financial leader who is also a dedicated wife and mother, Carrie has a wealth of wisdom to share.In this episode, Carrie explains the importance of communicating openly with your spouse about financial matters, how women bring unique skills to leadership roles, her advice for balancing the plethora of life responsibilities many women hold, and so much more.//Grab a Free Resource at http://retirewith210.com/ --Prefer to watch? Find video versions of every episode on our YouTube channel.Learn how our team at 210 Financial can help you plan for the future at www.210financial.com --Like more free resources? Grab one of our free guides here.//210 Wealth Management, Inc., d/b/a 210 Financial, is a federally registered investment adviser under the Investment Advisers Act of 1940. Registration as an investment adviser does not imply a certain level of skill or training. The oral and written communications of an adviser provide you with information about which you determine to hire or retain an adviser. 210 Financial, Form ADV Part 2A & CRS can be obtained by visiting: https://adviserinfo.sec.gov and search for our firm name. Insurance products are offered through 210 Financial, Inc. d/b/a 210 Financial.

Estate taxes and planning is a complex topic. How do you minimize taxes after you're gone? Is there such a thing as “too much” to pass down? What are the exceptions? We are tackling these questions and more in this conversation.Today, we are joined again by Jim Benckendorf, a partner at Benckendorf & Benckendorf Law Firm and someone who concentrates in complex estate and tax planning, trusts, and probate.In this episode, Jim shares when you likely need to worry about estate taxes, who should be focused on legacy and estate planning, strategies they use to help their clients plan for the future in their firm, and more.//Grab a Free Resource at http://retirewith210.com/ --Prefer to watch? Find video versions of every episode on our YouTube channel.Learn how our team at 210 Financial can help you plan for the future at www.210financial.com --Like more free resources? Grab one of our free guides here.//Investment advisory products and services made available through AE Wealth Management, LLC (AEWM), a Registered Investment Advisor.Insurance products are offered through the insurance business 210 Financial. 210 Financial is also an Investment Advisory practice that offers products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Advisor. AEWM does not offer insurance products. The insurance products offered by 210 Financial are not subject to Investment Advisor requirements.All investments are subject to risk including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by AE Wealth Management, LLC. Please remember that converting an employer plan account to a Roth IRA is a taxable event. Annuities are insurance products that may be subject to restrictions, surrender charges, holding periods, or early withdrawal fees which vary by carrier. Annuities are not back or FDIC insured.This podcast is for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation.210 Financial is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by 210 Financial.Jim Benckendorf is not affiliated with 210 Financial or AE Wealth Management, LLC.

Good intentions with no actions can lead to a lot of difficult times.No one enjoys discussing end-of-life issues, but the reality is that every one of us is going to die someday. That means that the topic of this episode pertains to everyone. We are talking about estate planning and how you should consider planning ahead to leave what you have to those you leave behind.We are joined by Jim Benckendorf, a partner at Benckendorf & Benckendorf Law Firm and someone who specializes in complex estate and tax planning, trusts, and probate.In this episode, Jim shares what happens if you don't take the time to make your wishes known, how to ensure your assets are passed down correctly, which legal precedents supersede others, and more.//Grab a Free Resource at http://retirewith210.com/ --Prefer to watch? Find video versions of every episode on our YouTube channel.Learn how our team at 210 Financial can help you plan for the future at www.210financial.com --Like more free resources? Grab one of our free guides here.//Investment advisory products and services made available through AE Wealth Management, LLC (AEWM), a Registered Investment Advisor.Insurance products are offered through the insurance business 210 Financial. 210 Financial is also an Investment Advisory practice that offers products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Advisor. AEWM does not offer insurance products. The insurance products offered by 210 Financial are not subject to Investment Advisor requirements.All investments are subject to risk including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by AE Wealth Management, LLC. Please remember that converting an employer plan account to a Roth IRA is a taxable event. Annuities are insurance products that may be subject to restrictions, surrender charges, holding periods, or early withdrawal fees which vary by carrier. Annuities are not back or FDIC insured.This podcast is for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation.210 Financial is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by 210 Financial.Jim Benckendorf is not affiliated with 210 Financial or AE Wealth Management, LLC. 2159176-12/23

Have you ever received a confusing text letting you know that a USPS package couldn't be delivered? Or maybe you got an email plea requesting you send money to a stranded friend? Scams to access your computer, bank information, or credit cards increase around the holidays, and keeping your information secure in a digital age can be a challenge.In today's episode, we are joined by Mike Kaluza, a seasoned IT professional and the president of Synergetic Technologies. With years of experience in the ever-evolving landscape of cyber security, Mike has dedicated his career to ensuring that businesses stay protected in the digital realm.In this conversation, Mike helps us open our eyes to the world of cyber security, shares how to protect yourself online, and gives us best practices when using our various devices.If you own a smartphone, credit card, or computer, you won't want to miss this one!//Grab a Free Resource at http://retirewith210.com/ --Prefer to watch? Find video versions of every episode on our YouTube channel.Learn how our team at 210 Financial can help you plan for the future at www.210financial.com --Like more free resources? Grab one of our free guides here.//Investment advisory products and services made available through AE Wealth Management, LLC (AEWM), a Registered Investment Advisor.Insurance products are offered through the insurance business 210 Financial. 210 Financial is also an Investment Advisory practice that offers products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Advisor. AEWM does not offer insurance products. The insurance products offered by 210 Financial are not subject to Investment Advisor requirements.All investments are subject to risk including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by AE Wealth Management, LLC. Please remember that converting an employer plan account to a Roth IRA is a taxable event. Annuities are insurance products that may be subject to restrictions, surrender charges, holding periods, or early withdrawal fees which vary by carrier. Annuities are not back or FDIC insured.This podcast is for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation.210 Financial is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by 210 Financial.Mike Kaluza is not affiliated with 210 Financial or AE Wealth Management, LLC. 2159176-12/23

We have the honor of being joined by David Walker, former Comptroller General of the United States and someone who was the CEO of the U.S. Government Accountability Office (GAO) from 1998 to 2008.Needless to say, he has a lot of insight into where the country is headed and how that could affect your dollars.In this episode, David is helping us discuss the state of the American economy, some strategies the average person can do to prepare, how the country might achieve fiscal responsibility, and more!This was truly an insightful conversation and it's one you don't want to miss!//Grab a Free Resource at http://retirewith210.com/ --Prefer to watch? Find video versions of every episode on our YouTube channel.Learn how our team at 210 Financial can help you plan for the future at www.210financial.com --Like more free resources? Grab one of our free guides here.//Investment advisory products and services made available through AE Wealth Management, LLC (AEWM), a Registered Investment Advisor.Insurance products are offered through the insurance business 210 Financial. 210 Financial is also an Investment Advisory practice that offers products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Advisor. AEWM does not offer insurance products. The insurance products offered by 210 Financial are not subject to Investment Advisor requirements.All investments are subject to risk including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by AE Wealth Management, LLC. Please remember that converting an employer plan account to a Roth IRA is a taxable event. Annuities are insurance products that may be subject to restrictions, surrender charges, holding periods, or early withdrawal fees which vary by carrier. Annuities are not back or FDIC insured.This podcast is for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation.210 Financial is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by 210 Financial.AEWM provides services without regard to political affiliation and the views of individual advisors are not necessarily the views of AEWM. David Walker is not affiliated with 210 Financial or AE Wealth Management, LLC. Opinions expressed by David Walker are his own opinions and not necessarily the views of AEWM.  2135194-12/23

Your Retirement Blueprint Podcast is back for Season 2! We have so many exciting things planned for this season of the podcast, including some incredible guests that we're eager to introduce you to.As we approach the end of the year, this is a time when many of us revisit our goals, look over where we're at, and consider shifts we need to make.In this episode, we want to invite you to revisit your goals and your plan for reaching them. By considering tax-beneficial investment opportunities, giving strategies, and the value of long-term planning, you are able to make it much more likely that you will reach and even exceed your financial goals.Enjoy the episode!//Grab a Free Resource at http://retirewith210.com/ --Prefer to watch? Find video versions of every episode on our YouTube channel.Learn how our team at 210 Financial can help you plan for the future at www.210financial.com --Like more free resources? Grab one of our free guides here.//Investment advisory products and services made available through AE Wealth Management, LLC (AEWM), a Registered Investment Advisor.Insurance products are offered through the insurance business 210 Financial. 210 Financial is also an Investment Advisory practice that offers products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Advisor. AEWM does not offer insurance products. The insurance products offered by 210 Financial are not subject to Investment Advisor requirements.All investments are subject to risk including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by AE Wealth Management, LLC. Please remember that converting an employer plan account to a Roth IRA is a taxable event. Annuities are insurance products that may be subject to restrictions, surrender charges, holding periods, or early withdrawal fees which vary by carrier. Annuities are not back or FDIC insured.This podcast is for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation.210 Financial is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by 210 Financial. 2103578-11/23

It's time for another solo episode with Kendall! In this episode, he is talking about some of his favorite things—diversifying your investment portfolio and the role real estate can play.There's a lot of talk about whether or not you should view real estate as a good investment. Some people say it's a ton of work while others say it's a passive investment. While this isn't something that 210 Financial focuses on extensively, Kendall has invested in real estate and is sharing his thoughts on what you should consider.Thank you for listening!//Grab a Free Resource at http://retirewith210.com/ --Prefer to watch? Find video versions of every episode on our YouTube channel.Learn how our team at 210 Financial can help you plan for the future at www.210financial.com --Like more free resources? Grab one of our free guides here.//Investment advisory products and services made available through AE Wealth Management, LLC (AEWM), a Registered Investment Advisor.Insurance products are offered through the insurance business 210 Financial. 210 Financial is also an Investment Advisory practice that offers products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Advisor. AEWM does not offer insurance products. The insurance products offered by 210 Financial are not subject to Investment Advisor requirements.Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier. This podcast is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation.210 Financial is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by 210 Financial.1715170-3/23

For the majority of your life, you will work hard and pinch those pennies so that you can fund retirement. But once you actually retire, it's time to enjoy all your hard work!Kendall has another solo episode to help you understand how to manage your expenses AND have fun in retirement! He is sharing how to get yourself to a place where “budget” doesn't have to feel like a bad word in retirement.Thank you for listening!//Grab a Free Resource at http://retirewith210.com/ --Prefer to watch? Find video versions of every episode on our YouTube channel.Learn how our team at 210 Financial can help you plan for the future at www.210financial.com --Like more free resources? Grab one of our free guides here.//Investment advisory products and services made available through AE Wealth Management, LLC (AEWM), a Registered Investment Advisor.Insurance products are offered through the insurance business 210 Financial. 210 Financial is also an Investment Advisory practice that offers products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Advisor. AEWM does not offer insurance products. The insurance products offered by 210 Financial are not subject to Investment Advisor requirements.Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier. This podcast is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation.210 Financial is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by 210 Financial.

We've got you covered as new legislation has been passed which will take effect in 2024. This includes the Secure Act 2.0, which has over 90 provisions that could affect your taxes and financial plan.In this solo episode, Kendall will let you in on the major changes from this legislation and how that could impact you today!Because there are so many changes with this legislation, both big and small, be sure to meet with your financial advisor to see what these changes mean for you specifically.We hope this episode is a support to you as you plan for your financial future. Thank you for watching and listening!//Grab a Free Resource at http://retirewith210.com/ --Prefer to watch? Find video versions of every episode on our YouTube channel.Learn how our team at 210 Financial can help you plan for the future at www.210financial.com --Like more free resources? Grab one of our free guides here.//Investment advisory products and services made available through AE Wealth Management, LLC (AEWM), a Registered Investment Advisor.Insurance products are offered through the insurance business 210 Financial. 210 Financial is also an Investment Advisory practice that offers products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Advisor. AEWM does not offer insurance products. The insurance products offered by 210 Financial are not subject to Investment Advisor requirements.Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier. This podcast is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation.210 Financial is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by 210 Financial.1664562-2/23

Welcome back to Your Retirement Blueprint! We hope you've had a great start to the year.In today's video, we've put together the top 10 tips for retirement planning in 2023. There is a lot of great insight packed into this one. We've included everything from financial best practices to potential tax considerations to maintaining your feeling of purpose in the retirement years.Whether you are approaching retirement or are planning for the future, thank you for watching and listening in!//Grab a Free Resource at http://retirewith210.com/ --Prefer to watch? Find video versions of every episode on our YouTube channel.Learn how our team at 210 Financial can help you plan for the future at www.210financial.com --Like more free resources? Grab one of our free guides here.//Investment advisory products and services made available through AE Wealth Management, LLC (AEWM), a Registered Investment Advisor.Insurance products are offered through the insurance business 210 Financial. 210 Financial is also an Investment Advisory practice that offers products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Advisor. AEWM does not offer insurance products. The insurance products offered by 210 Financial are not subject to Investment Advisor requirements.All investments are subject to risk including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by AE Wealth Management, LLC. Please remember that converting an employer plan account to a Roth IRA is a taxable event. Annuities are insurance products that may be subject to restrictions, surrender charges, holding periods, or early withdrawal fees which vary by carrier. Annuities are not back or FDIC insured.This podcast is for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation.210 Financial is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by 210 Financial.1638387-1/23

Many people don't often think about life insurance as a major part of their financial plan. Or perhaps they only consider it as a valuable investment only when they're younger. We believe that should change.Yes, it can be a bit depressing to have to think about the case of your own death and if your loved ones would be taken care of financially. However, in that case, life insurance can provide for your loved ones for years, and is well worth taking the time to include it as part of your plan. And believe it or not, some life insurance policies can actually have benefits while you're still living.In this episode, we are talking about why you need life insurance, how much life insurance you should have, and what else life insurance can do for you. Thank you for watching and listening!(By the way, this episode was recorded in September, but we swapped it out for another episode at that time. While it isn't “life insurance awareness month” when this is released, the importance is still the same!)//Grab a Free Resource at http://retirewith210.com/ --Prefer to watch? Find video versions of every episode on our YouTube channel.Learn how our team at 210 Financial can help you plan for the future at www.210financial.com --Like more free resources? Grab one of our free guides here.//Investment advisory products and services made available through AE Wealth Management, LLC (AEWM), a Registered Investment Advisor.Insurance products are offered through the insurance business 210 Financial. 210 Financial is also an Investment Advisory practice that offers products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Advisor. AEWM does not offer insurance products. The insurance products offered by 210 Financial are not subject to Investment Advisor requirements.All investments are subject to risk including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by AE Wealth Management, LLC. Please remember that converting an employer plan account to a Roth IRA is a taxable event. Annuities are insurance products that may be subject to restrictions, surrender charges, holding periods, or early withdrawal fees which vary by carrier. Annuities are not back or FDIC insured.This podcast is for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation.210 Financial is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by 210 Financial.1603982-12/22

We ripped the script for this episode. Literally! We had a plan of what we were going to talk about, but decided to go off-book. After sharing our Question of the Day, we discuss our pet peeves when it comes to investing and financial planning (and a few random ones

We've been telling everyone we know that there is a “tax sale” happening right now. Taxes are the lowest they have ever been, and that's a major thing to consider when it comes to your retirement planning.In this episode, we are talking about planning ahead for retirement taxes and retirement income, and we dive deep into Social Security. If you aren't accounting for paying taxes in your retirement strategy, then you could be surprised when you start making withdrawals and see that you owe more than you thought. Whatever your goal is in planning for retirement (regular income, passing money on to your kids, or a blend of both), it's important to develop a unique strategy that makes sense for your situation and your goals.We are so thankful you are taking the time to listen! Our team here at 210 Financial is here to help if you have questions or are wondering how this information may impact your specific plan.//Grab a Free Resource at http://retirewith210.com/ --Prefer to watch? Find video versions of every episode on our YouTube channel.Learn how our team at 210 Financial can help you plan for the future at www.210financial.com --Like more free resources? Grab one of our free guides here.//Investment advisory products and services made available through AE Wealth Management, LLC (AEWM), a Registered Investment Advisor. Insurance products are offered through the insurance business 210 Financial. 210 Financial is also an Investment Advisory practice that offers products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Adviser.AEWM does not offer insurance products. The insurance products offered by 210 Financial are not subject to Investment Advisor requirements. Please remember that converting an employer plan account to a Roth IRA is a taxable event. Increased taxable income from the Roth IRA conversion may have several consequences including (but not limited to) a need for additional tax withholding or estimated tax payments, the loss of certain tax deductions and credits, and higher taxes on Social Security benefits and higher Medicare premiums.Be sure to consult with a qualified tax advisor before making any decisions regarding your IRA. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. Neither the firm nor its agents or representatives may give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any purchasing decisions.1558204 11/22

“Recession.” It's like a dark cloud looming over the economy and around every corner. But what should we be doing during an economy like this? If you are worried about the future or retiring in a recession, we're breaking down what you need to know.In this episode, Phil and Kendall are letting you know how you should respond to a recession, what advantages there are in the current economy, and what you should be doing about it. We'll also talk about how having your adult children living with you might be affecting your plans to retire and how to handle other tough financial topics.Thank you for listening!//Grab a Free Resource at http://retirewith210.com/ --Prefer to watch? Find video versions of every episode on our YouTube channel.Learn how our team at 210 Financial can help you plan for the future at www.210financial.com --Like more free resources? Grab one of our free guides here.//Investment advisory products and services made available through AE Wealth Management, LLC (AEWM), a Registered Investment Advisor.Insurance products are offered through the insurance business 210 Financial. 210 Financial is also an Investment Advisory practice that offers products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Adviser. AEWM does not offer insurance products. The insurance products offered by 210 Financial are not subject to Investment Advisor requirements.AEWM and 210 Financial are not affiliated companies. All investments are subject to risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Any references to guarantees or lifetime income generally refer to fixed insurance products, never securities or investment products. Insurance and annuity product guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company.1551928 11/22

Every year from October 15th-December 7th, open enrollment for Medicare is taking place. So today we are welcoming a special guest to dive deep into everything you need to know about Medicare. Jesse Psinas is an Advisor here at 210 Financial and is our resident expert on the topic.In today's episode, we're covering the major Medicare plans available to you, what premium ranges you can expect, advantages and disadvantages of various Medicare programs, when you're eligible, and much more.As always, thank you so much for watching and listening! When it comes to Medicare, a lot of necessary decisions are unique to your situation. Our team is always here to help you navigate what's best for you.//Grab a Free Resource at http://retirewith210.com/ --Prefer to watch? Find video versions of every episode on our YouTube channel.Learn how our team at 210 Financial can help you plan for the future at www.210financial.com --Like more free resources? Grab one of our free guides here.//Investment advisory services made available through AE Wealth Management, LLC (AEWM). AEWM and 210 Financial are not affiliated companies. Medicare Advantage Plans are insured or covered by a Medicare Advantage organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan's contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. Availability of benefits and plans varies by carrier and location. Deductibles, copays and coinsurance may apply. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Insurance product guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company.Insurance products are offered through the insurance business 210 Financial. 210 Financial is an Investment Advisory practice that offers products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Adviser. AEWM does not offer insurance products. The insurance products offered by 210 Financial are not subject to Investment Advisor requirements. AEWM and 210 Financial are not affiliated companies. Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier. This podcast is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation.210 Financial is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by 210 Financial.01529523-10/22

The market is down. Inflation is up. Rising interest rates. Potential tax increases.Many people are calling this “the perfect storm.” And in many ways, they're right. We haven't seen a lot of these circumstances for over a decade, and it's rather interesting to see them all at once. So the big question is, “How do we respond?”In today's episode, after answering a question about social security and pensions, Phil and Kendall are taking a deep dive into the market we're all navigating and sharing some suggestions, questions they're hearing clients asking, big mistakes people are making right now, and more.As always, thank you so much for watching and listening!//Grab a Free Resource at http://retirewith210.com/ --Prefer to watch? Find video versions of every episode on our YouTube channel.Learn how our team at 210 Financial can help you plan for the future at www.210financial.com --Like more free resources? Grab one of our free guides here.//Investment advisory services made available through AE Wealth Management, LLC (AEWM). AEWM and 210 Financial are not affiliated companies. Insurance products are offered through the insurance business 210 Financial. 210 Financial is an Investment Advisory practice that offers products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Adviser. AEWM does not offer insurance products. The insurance products offered by 210 Financial are not subject to Investment Advisor requirements. AEWM and 210 Financial are not affiliated companies. Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier. This podcast is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation.210 Financial is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by 210 Financial.1507722- 10/22

It's not uncommon for us to meet people who will save rather passively, with the intention to start saving aggressively once their kids move out and graduate from college. Today, Kendall and Phil are talking through whether this strategy works!For any retirement strategy, it's important to consider your unique goals, income needs, and lifestyle expectations. In this conversation, you'll hear some common challenges we see here at 210 Financial and practical ways to determine how much you need to save before retiring.As always, thank you so much for watching and listening!//Grab a Free Resource at http://retirewith210.com/ --Prefer to watch? Find video versions of every episode on our YouTube channel.Learn how our team at 210 Financial can help you plan for the future at www.210financial.com --Like more free resources? Grab one of our free guides here.//210 Financial is an independent financial services firm that utilizes a variety of investment and insurance products. Investment advisory services offered only by duly registered individuals through AE Wealth Management (AEWM). AEWM and 210 Financial are not affiliated companies.Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally refer to fixed insurance products, never securities or investments. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by AE Wealth Management, LLC.Please remember that converting an employer plan to a Roth IRA is a taxable event. Annuities are insurance products that may be subject to restrictions, surrender charges, holding periods, or early withdrawal fees which vary by carrier. Annuities are not bank or FDIC insured.This podcast is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation.210 Financial is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by 210 Financial.1479783-09/22

Welcome back to Your Retirement Blueprint! In today's episode, after answering a question about whether or not to move a 401(k) after leaving a job, we dive into how to ensure you don't run out of money in retirement.Looking through a recent survey of what current retirees want future retirees to know, Phil and Kendall are covering some common misconceptions, necessary strategy shifts for retirement plans, and more.Thank you for listening!//Grab a Free Resource at http://retirewith210.com/ --Prefer to watch? Find video versions of every episode on our YouTube channel.Learn how our team at 210 Financial can help you plan for the future at www.210financial.com --Like more free resources? Grab one of our free guides here.//210 Financial is an independent financial services firm that utilizes a variety of investment and insurance products. Investment advisory services offered only by duly registered individuals through AE Wealth Management (AEWM). AEWM and 210 Financial are not affiliated companies.Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally refer to fixed insurance products, never securities or investments. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by AE Wealth Management, LLC.Please remember that converting an employer plan to a Roth IRA is a taxable event. Annuities are insurance products that may be subject to restrictions, surrender charges, holding periods, or early withdrawal fees which vary by carrier. Annuities are not bank or FDIC insured.This podcast is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation.210 Financial is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by 210 Financial.1477931-09/22

Welcome back to Your Retirement Blueprint! In today's episode, after learning some interesting facts about Kendall's life (any other newfound tea lovers out there!?), we're talking about recessions, the difference between bear and bull markets, and inflation.There's a whole lot of “doom and gloom” talk out there in the world right now. How concerned should you be as you plan for your financial future?We hope this episode is helpful! Thank you for listening!//Grab a Free Resource at http://retirewith210.com/ --Prefer to watch? Find video versions of every episode on our YouTube channel.Learn how our team at 210 Financial can help you plan for the future at www.210financial.com --Like more free resources? Grab one of our free guides here.//210 Financial is an independent financial services firm that utilizes a variety of investment and insurance products. Investment advisory services offered only by duly registered individuals through AE Wealth Management (AEWM). AEWM and 210 Financial are not affiliated companies.Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally refer to fixed insurance products, never securities or investments. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by AE Wealth Management, LLC.Please remember that converting an employer plan to a Roth IRA is a taxable event. Annuities are insurance products that may be subject to restrictions, surrender charges, holding periods, or early withdrawal fees which vary by carrier. Annuities are not bank or FDIC insured.This podcast is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation.210 Financial is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by 210 Financial.1434528-08/22

We've got a fun episode for you today! Most times we go in with a clear outline of a takeaway we want to leave with you. But today, after we answer a question about portfolio risk, Kendall brought some recent articles he read about retirement and we're talking through them.Somehow hot-dog eating contests also come up? Yeah, we're not sure…Anyways, we hope you enjoy this one! As always, thank you for listening!//Grab a Free Resource at http://retirewith210.com/ --Prefer to watch? Find video versions of every episode on our YouTube channel.Learn how our team at 210 Financial can help you plan for the future at www.210financial.com --Like more free resources? Grab one of our free guides here.//210 Financial is an independent financial services firm that utilizes a variety of investment and insurance products. Investment advisory services offered only by duly registered individuals through AE Wealth Management (AEWM). AEWM and 210 Financial are not affiliated companies.Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally refer to fixed insurance products, never securities or investments. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by AE Wealth Management, LLC.Please remember that converting an employer plan to a Roth IRA is a taxable event. Annuities are insurance products that may be subject to restrictions, surrender charges, holding periods, or early withdrawal fees which vary by carrier. Annuities are not bank or FDIC insured.This podcast is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation.210 Financial is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by 210 Financial.1413940-07/22

What are some things we can do if we approach retirement in an uncertain market? Should we be concerned? Should our retirement plan change?In this episode, after answering a question that was sent in about long-term care insurance, that's what we're covering! Kendall and Phil are talking about the greatest risk during a down market, why having a plan for retirement keeps us from needing to fear dips in the market, the huge opportunity right now for investment accounts, and much more.Thanks for listening!//Grab our Free Resource Mentioned at http://retirewith210.com/ --Prefer to watch? Find video versions of every episode on our YouTube channel.Learn how our team at 210 Financial can help you plan for the future at www.210financial.com --Like more free resources? Grab one of our free guides here.//Firm offers insurance products. Investment advisory services offered through AE Wealth Management, LLC, an SEC Registered Investment Adviser. 210 Financial is a separate entity from AEWM. Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier. This podcast is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation.210 Financial. is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by 210 Financial. 1395565 - 7/22

Despite increased gas prices and inflation, estimates are showing that there will be a lot of travel in the U.S. this year. If you're looking at some upcoming travel, are you prepared to do it wisely?In today's episode, after a funny story about Kendall's son, we're answering a question about life insurance as well as sharing a few things to keep in mind if you're planning a summer vacation this year.We had fun with this one! We hope you enjoy the conversation!//Grab your free resources at http://retirewith210.com/ --Prefer to watch? Find video versions of every episode on our YouTube channel.Learn how our team at 210 Financial can help you plan for the future at www.210financial.com --Like more free resources? Grab one of our free guides here.//210 Financial is an independent financial services firm that utilizes a variety of investment and insurance products. Investment advisory services offered only by duly registered individuals through AE Wealth Management (AEWM). AEWM and 210 Financial are not affiliated companies.Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally refer to fixed insurance products, never securities or investments. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by AE Wealth Management, LLC.This podcast is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation.210 Financial is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by 210 Financial.1377017-06/22

Have you been hearing the word “recession” a ton lately? It feels like we've heard it every single day as a looming, sinister concern for each of our financial futures.In this episode, we're breaking down what a recession is, whether or not you should be concerned, a look back on the statistics for the ups and downs in the economy throughout history, and what you should do with your investments if we do enter a recession.Check this one out for some timely advice! We hope this is a support to you as you think through your financial plan.//Grab our Free Resource Mentioned at http://retirewith210.com/ --Prefer to watch? Find video versions of every episode on our YouTube channel.Learn how our team at 210 Financial can help you plan for the future at www.210financial.com --Like more free resources? Grab one of our free guides here.//210 Financial is an independent financial services firm that utilizes a variety of investment and insurance products. Investment advisory services offered only by duly registered individuals through AE Wealth Management (AEWM). AEWM and 210 Financial are not affiliated companies.Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally refer to fixed insurance products, never securities or investments. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by AE Wealth Management, LLC.Please remember that converting an employer plan to a Roth IRA is a taxable event. Annuities are insurance products that may be subject to restrictions, surrender charges, holding periods, or early withdrawal fees which vary by carrier. Annuities are not bank or FDIC insured.This podcast is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation.210 Financial is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by 210 Financial.1357290-06/22

Without income, you have no retirement. Yet, there are experts in our field saying that you might want to rethink your income strategy in today's market.In this episode, we're diving into the traditional 4% rule for withdrawals from retirement accounts. Does it still apply? Does it need to be adjusted? Additionally, we're answering a question sent in about the best investments for high-inflation environments.We hope there are a lot of great takeaways for you from this conversation!//Grab our Free Resource Mentioned at http://retirewith210.com/ --Prefer to watch? Find video versions of every episode on our YouTube channel.Learn how our team at 210 Financial can help you plan for the future at www.210financial.com --Like more free resources? Grab one of our free guides here.//All investments are subject to risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. A Roth Conversion is a taxable event and may have several tax related consequences. Be sure to consult with a qualified tax advisor before making any decisions regarding your IRA. Neither the firm nor its agents or representatives may give tax or legal advice. Individuals should consult with a qualified tax professional for guidance before making any purchasing decisions. The information contained in this material is believed to be reliable, but accuracy and completeness cannot be guaranteed; it is not intended to be used as the sole basis for financial decisions. 210 Financial is an independent financial services firm that utilizes a variety of investment and insurance products. Investment advisory services offered only by duly registered individuals through AE Wealth Management, LLC (AEWM). AEWM and 210 Financial are not affiliated companies. 0347241 - 05/22

Life insurance can feel like a tricky subject to navigate. Do you need it? How much coverage should you look for? What about long-term care insurance?In today's episode, after answering a question sent in about Roth conversions in a retirement plan, we are diving into life insurance. Phil and Kendall are sharing some common misconceptions, key ways life insurance has changed over the years, and what you should consider as you're selecting your own plan.We hope this episode is a support to you!//Grab our Free Resource on Estate Planning or The Pillars of a Successful Retirement Plan at http://retirewith210.com/ --Prefer to watch? Find video versions of every episode on our YouTube channel.Learn how our team at 210 Financial can help you plan for the future at www.210financial.com --Like more free resources? Grab one of our free guides here.//Please remember that converting an employer plan account to a Roth IRA is a taxable event. Be sure to consult with a qualified tax advisor before making any decisions regarding your IRA. Neither the firm nor its agents or representatives may give tax or legal advice. Individuals should consult with a qualified tax or legal professional for guidance before making any purchasing decisions.Any and all other services related to insurance are an outside business activity and are not offered through or supervised by AE Wealth Management, LLC. Life insurance policies are contracts between the client and an insurance company. Life insurance product guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Life insurance policies are not FDIC Insured.For informational purposes only and are not a solicitation to buy or sell any of the products mentioned. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation. 210 Financial is an independent financial services firm that utilizes a variety of investment and insurance products. Investment advisory services offered only by duly registered individuals through AE Wealth Management, LLC (AEWM). AEWM and 210 Financial are not affiliated companies.1317952-05/22

There have always been (and there will continue to be) uncertain times in the world. We all can agree we've seen some of those uncertainties recently!For example, we're seeing inflation, a likely increase of interest rates on the horizon, along with the normal uncertainties in life, like our health.While we can't always be sure what tomorrow will bring, we can always be proactive in planning for the reality of uncertain times. The people that can best weather the storms along the way are the ones who have taken the time to plan and prepare before those storms come.Thank you for listening! We hope this episode is a support to you!//Grab our Free Resource, Retiring in Uncertain Times, at http://retirewith210.com/ --Prefer to watch? Find video versions of every episode on our YouTube channel.Learn how our team at 210 Financial can help you plan for the future at www.210financial.com --Like free resources? Grab one of our free guides here.//All investments are subject to risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. A Roth Conversion is a taxable event and may have several tax related consequences. Be sure to consult with a qualified tax advisor before making any decisions regarding your IRA. Neither the firm nor its agents or representatives may give tax or legal advice. Individuals should consult with a qualified tax professional for guidance before making any purchasing decisions.The information contained in this material is believed to be reliable, but accuracy and completeness cannot be guaranteed; it is not intended to be used as the sole basis for financial decisions. 210 Financial is an independent financial services firm that utilizes a variety of investment and insurance products. Investment advisory services offered only by duly registered individuals through AE Wealth Management, LLC (AEWM). AEWM and 210 Financial are not affiliated companies.012888617 - 04/22

What is a 401(k)? If your employer offers a match for a 401(k), should you take advantage of that? Should we leverage a Roth option in our 401(k)? What are the rules for a 401(k)? We're talking about all of those things and more on the show today!In today's episode, after answering a question about what we mean when we talk about developing a retirement blueprint, we're breaking down all the details about 401(k) plans. If you've been curious about whether a 401(k) is right for you, or if you're getting the most out of your 401(k) plan, this episode is for you.Thank you for listening!//Prefer to watch? Find video versions of every episode on our YouTube channel.Learn how our team at 210 Financial can help you plan for the future at www.210financial.com --Like free resources? Grab one of our free guides here.//All investments are subject to risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. Neither the firm nor its agents or representatives may give tax or legal advice.Individuals should consult with a qualified tax professional for guidance before making any purchasing decisions. Distributions from tax-deferred retirement plans are taxed as ordinary income. Employers issuing a check in your name for a lump-sum distribution are required to withhold 20% toward federal income taxes, so you would receive only 80% of the total value. Early distributions are required to withhold 20% toward federal income taxes, so you would receive only 80% of the total value.Early distributions from employer sponsored retirement plans and traditional IRAs prior to age 59½ may be subject to 10% federal income tax penalty. A Roth Conversion is a taxable event and may have several tax related consequences. Be sure to consult with a qualified tax advisor before making any decisions regarding your IRA.This podcast is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice to meet the particular needs of an individual's situation. 210 Financial is an independent financial services firm that utilizes a variety of investment and insurance products. Investment advisory services offered only by duly registered individuals through AE Wealth Management, LLC (AEWM). AEWM and 210 Financial are not affiliated companies.01280635 04/22

Inflation is here, and it's here to stay. There are some that estimate that the inflation rate greatly increased in the last year, and this (unsurprisingly) has some pretty big effects on our financial plan.In today's episode, after answering a question about ways to retire, we're talking all about strategies to help protect your finances against inflation. We're covering what inflation is, investments to consider avoiding right now, potential changes in interest rates on the horizon, and strategies you should consider as you navigate what's ahead.Most important when it comes to this topic is the value of having a plan. We hope you find today's show valuable!//Prefer to watch? Find video versions of every episode on our YouTube channel.Learn how our team at 210 Financial can help you plan for the future at www.210financial.com --Like free resources? Grab one of our free guides here.//210 Financial is an independent financial services firm that utilizes a variety of investment and insurance products. Investment advisory services offered only by duly registered individuals through AE Wealth Management, LLC (AEWM). AEWM and 210 Financial are not affiliated companies. Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier.This podcast is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation.Neither AEWM nor advisors providing investment advisory services through AEWM recommend or facilitate the buying or selling cryptocurrencies.210 Financial is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by 210 Financial.1256665 - 3/22

Did you know that, on average, women outlive men? Every situation is different, but statistics say that 80% of men will die married and 80% of women will die single.Far too often, though, we have seen situations where women lose their spouse and haven't been involved in understanding the family's finances.In today's episode, after answering a question that was sent in about whether it's better to invest in gold, silver, bitcoin, or cash, we're talking about why it's crucial for women to be involved in their family's finances and common issues we've seen come up for women in retirement.This is such an important topic, and this reality is a reminder that there is no better time to develop a plan than today. Enjoy today's show!//Prefer to watch? Find video versions of every episode on our YouTube channel.Learn how our team at 210 Financial can help you plan for the future at www.210financial.com --Like free resources? Grab one of our free guides here.//210 Financial is an independent financial services firm that utilizes a variety of investment and insurance products. Investment advisory services offered only by duly registered individuals through AE Wealth Management, LLC (AEWM). AEWM and 210 Financial are not affiliated companies. Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier.This podcast is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation.210 Financial is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by 210 Financial.1219680 -2/22

Welcome back to Episode 2 of Your Retirement Blueprint! This show is all about helping you plan for the long-term health of your finances, and we are grateful you're here.In this episode, after answering a question that was sent in about investment goals someone should try to reach by age 60, Phil and Kendall are talking about how to prepare for and understand taxes in retirement! Right now, taxes are incredibly low, and so there are some intentional things we can do to move around our dollars so we aren't hit with a crazy tax bill late in life.This is our favorite topic, and we hope this is a good introduction as you plan and prepare for the future. There is no better time to create a financial plan than today. Enjoy today's show!We're grateful you're here and hope to bring you a lot of value through this show!//Prefer to watch? Find video versions of every episode on our YouTube channel.Learn how our team at 210 Financial can help you plan for the future at www.210financial.com --Like free resources? Grab one of our free guides here.//Neither the firm nor its agents or representatives may give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any purchasing decisions. Investing involves risk, including the potential loss of principal. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. Please remember that converting an employer plan account to a Roth IRA is a taxable event. Increased taxable income from the Roth IRA conversion may have several consequences including (but not limited to) a need for additional tax withholding or estimated tax payments, the loss of certain tax deductions and credits, and higher taxes on Social Security benefits and higher Medicare premiums. Be sure to consult with a qualified tax advisor before making any decisions regarding your IRA.It is generally preferable that you have funds to pay the taxes due upon conversion from funds outside of your IRA. If you elect to take a distribution from your IRA to pay the conversion taxes, please keep in mind the potential consequences, such as an assessment of product surrender charges or additional IRS penalties for premature distributions. This podcast is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by 210 Financial. 210 Financial is an independent financial services firm that utilizes a variety of investment and insurance products. Investment advisory services offered only by duly registered individuals through AE Wealth Management, LLC (AEWM). AEWM and 210 Financial are not affiliated companies.01204059 02/22

Welcome to Episode 1 of Your Retirement Blueprint! This show is all about helping you plan for the long-term health of your finances, and we are so excited to be kicking off the show!In this episode, after answering a question that was sent in about when to start taking social security, Phil and Kendall are talking about how to be preparing for tax season! There are some people that have more of a fixed-tax situation, and some that have a little more leeway, and today we're breaking down the difference.We're grateful you're here and hope to bring you a lot of value through this show!//Prefer to watch? Find video versions of every episode on our YouTube channel.Learn how our team at 210 Financial can help you plan for the future at www.210financial.com --Like free resources? Grab one of our free guides here.//210 Financial is an independent financial services firm that utilizes a variety of investment and insurance products. Investment advisory services offered only by duly registered individuals through AE Wealth Management, LLC (AEWM). AEWM and 210 Financial are not affiliated companies. Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier. This podcast is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation.210 Financial  is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by 210 Financial . 1184085 -1/22

We are so excited to be kicking off Your Retirement Blueprint! Welcome! We've been planning this podcast for a while, and we can't wait to share conversations with you to help you invest in the long-term health of your finances.In this trailer, we're breaking down what you can expect in the show and chatting about a drone Phil got that may or may not have been flown into the water. (Anyone planning to dive into Eureka Lake soon?