Podcasts about 403b

Plan consultant Barbara Healy, CFP® and her colleague Jackie Fabitore-Matheny, had the solution to what woes the K-12 403(b) more than 25 years ago. Imagine if districts had listened? We talk with Barbara about what could have been (and what might still be).  Barbara Healy EGTRRA Industry Lobbyist Brian Graff Describes How Many Vendors His Retirement Plan Has (1:03 mark) Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

Brotherhood. Community. Jeremiah uses episode 58 to express his extreme gratitude for teams, friendships, and giving back.

Student loan expert and financial planner David Gourley updates Dan and Scott on the volatile state of student loans (particularly PSLF loans) right now.  K-12 Planning Public Service Loan Forgiveness Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

Tennessee passes an anti-pubic employee law that will subject teachers and others to private company financial sales pitches. We break it down into three parts: 1) What it is 2) What we dislike about it 3) What teachers and state employees should do. Tennessee Throws Teachers to the Wolves (Blog Post) Tennessee Legislators Illegally Voting with Sticks (John Oliver) Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

#SafeMoney #JonHeischmanSr #RiskToleranceMany may have heard the term "risk tolerance" but what about "risk capacity"? Both concepts relate to financial planning and in this episode host Jon Heischman, Senior delves into both and explains the differences. Understanding both concepts is crucial for effective investment strategies and ensuring that your financial decisions align with your personal comfort and financial situation.Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.

#SafeMoney #JonHeischmanSr #LongTermCareIn this new episode, host Jon Heischman, Senior discusses how long-term care effects your retirement planning.Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.

This conversation delves into the various stages of retirement, emphasizing the importance of proactive planning and understanding the emotional transitions that retirees face. The hosts, Bobby Futch, Tanner Moore, and Tom McDermott discuss the significance of pre-retirement planning, the excitement of the honeymoon phase, the potential disenchantment that can follow, and the importance of finding stability in retirement. They highlight the need for a solid financial plan to navigate these stages successfully and encourage listeners to seek professional guidance to ensure a smooth transition into retirement. If you have any questions about your retirement planning call Guardian Investment Advisors 800-517-1575 or click here to visit our website. Planning, Retiring, Saving, 401K, IRA, TSP, 403B, TaxesSee omnystudio.com/listener for privacy information.

Who better to make sense of the tariff situation than one of our favorite guests, Cullen Roche, economist, and founder and chief investment officer of the Discipline Funds, a low-fee advisory firm.    An Autopsy of American Exceptionalism Three Things - China Deal Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

#SafeMoney #JonHeischmanSr #RothIRAConversionsIn this new episode, host Jon Heischman, Senior talks about Roth IRA conversions when moving into retirement.Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.

In this conversation, Garry Thurman and Bobby Futch discuss the positive outlook of retirees, with 72% reporting better-than-expected experiences. They emphasize the importance of multiple income streams, predictable income, and consolidating retirement accounts. The hosts also highlight potential red flags for retirement, such as living paycheck to paycheck, managing debt, and understanding expenses. They stress the need to maximize Social Security benefits and the importance of having a comprehensive retirement plan f you have any questions about your retirement planning call Guardian Investment Advisors 800-517-1575 or click here to visit our website. Planning, Retiring, Saving, 401K, IRA, TSP, 403B, TaxesSee omnystudio.com/listener for privacy information.

Scott finds out just how much commission Equitable salespeople get for selling EQUI-VEST products. No wonder they fight reform so hard. No wonder they love to initiate exchanges.  The Price of Enrollment Podcast on SIOs Plan Fee Disclosure Form for University of Jamestown Equitable Plan Fee Disclosure Brochure Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

#SafeMoney #JonHeischmanSr #StagesOfRetirementIn this new episode, host Jon Heischman, Senior discusses the various stages a person goes through during the retirement years.Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.

In this conversation, Garry Thurman discusses the critical relationship between health and wealth as individuals approach retirement. He emphasizes the importance of proactive health planning alongside financial strategies to ensure a fulfilling retirement. Garry shares his personal health journey, highlighting the impact of health on financial stability and the necessity of addressing both aspects to avoid the double threat of declining health and uncertain finances. The discussion also touches on the emotional and spiritual dimensions of retirement planning, underscoring the need for a comprehensive approach that includes both health and wealth considerations If you have any questions about your retirement planning call Guardian Investment Advisors 800-517-1575 or click here to visit our website. Planning, Retiring, Saving, 401K, IRA, TSP, 403B, TaxesSee omnystudio.com/listener for privacy information.

Who better than best-selling author Morgan Housel to help put April's market volatility in perspective? Well we couldn't get Morgan on the pod but we have the next best thing: Morgan Houselisms! Enjoy.  First 100 Days of Trump 2 Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

#SafeMoney #JonHeischmanSr #LongTermCareIn this replay episode, host Jon Heischman, Senior discusses how to make long term care part of your retirement planning.Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.This show originally aired October 16, 2022.

In this episode of 'Plan Today, Own Tomorrow', the hosts discuss the importance of having a financial plan that can withstand economic volatility. They explore the recent losses of major stocks, the significance of P/E ratios, and the necessity of rebalancing investment portfolios. The conversation also highlights the importance of communication between advisors and clients, tax strategies in a low tax environment, and the impact of inflation on retirees' spending habits. If you have any questions about your retirement planning call Guardian Investment Advisors 800-517-1575 or click here to visit our website. Planning, Retiring, Saving, 401K, IRA, TSP, 403B, TaxesSee omnystudio.com/listener for privacy information.

Retired Los Angeles Unified School District teacher, principal and district administrator, Mary Ann Sullivan, is now officially a CFP®! Not only that, she is opening an advice-only, fee-only firm.  Note: Mary Ann meant to say that the number of experience hours needed for a CFP® is 4,000 for apprenticeship and 6,000 for standard pathway (not the 2,000 and 4,000 hours respectively that she mentioned in interview). 395 Financial Planning Retired Teacher Pays It Forward (Maggie Mason/Santa Barbara) Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

On this episode, Gary Thurman and Bobby Futch discuss the financial habits of the middle class, emphasizing the importance of avoiding common mistakes, understanding the influence of one's environment, and recognizing the energy of money. If you have any questions about your retirement planning call Guardian Investment Advisors 800-517-1575 or click here to visit our website. Planning, Retiring, Saving, 401K, IRA, TSP, 403B, TaxesSee omnystudio.com/listener for privacy information.

In episode two of our new pod series: 403(b) & 457(b) Basics Scott and Dan look at asset allocation. They describe what it is, why it's important and they go over several strategies for allocating a 403(b) and a 457(b).  Importance of Asset Allocation by Barb O'Neill The Price of Peace: Why diversification is difficult, but necessary by Nick Maggiulli Risk Tolerance Assessment Cullen Roche Discipline Funds Basics of the 403(b) & 457(b): How to start a 403(b) (pod) Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

In this episode of Retire Fit Radio, Nathan Fort addresses the pressing concerns surrounding recession fears and their implications for retirement planning. He emphasizes the importance of understanding market dynamics, achieving financial clarity, and identifying hidden expenses that can erode retirement savings. The conversation also covers strategies for managing debt and healthcare costs, providing listeners with actionable insights to secure their financial future. If you have any questions concerning your retirement call Nathan Fort 800-890-5008 or click here to visit our website. Retiring, Planning, Saving, Healthcare, 401K, Roth, TaxesSee omnystudio.com/listener for privacy information.

In this episode, Garry Thurman and Bobby Futch discuss the current market challenges faced by pre-retirees, emphasizing the importance of having a solid financial plan. They explore the implications of recent market fluctuations, the necessity of understanding tax impacts on retirement savings, and the critical role of Social Security in retirement planning. The hosts advocate for a proactive approach to financial planning, including the use of a bucket system for investments and the importance of maximizing Social Security benefits. If you have any questions about your retirement planning call Guardian Investment Advisors 800-517-1575 or click here to visit our website. Planning, Retiring, Saving, 401K, IRA, TSP, 403B, TaxesSee omnystudio.com/listener for privacy information.

Barbara O'Neill, PhD, CFP, AFC, owner/CEO of Money Talk: Financial Planning Seminars and Publications, and a monthly columnist for 403bwise talks spring cleaning your personal finances.  Spring cleaning is more than deep cleaning and decluttering. It is a great time to neaten up your finances.  Spring Cleaning Your 403(b) and Personal Finances The Truth About So-Called "No Fee" Products Meridian Wealth Management 403bwise.org

In this episode, the hosts discuss the current economic climate, addressing concerns about a potential recession and its implications for retirement planning. They emphasize the importance of reviewing retirement plans, understanding economic indicators, and managing expenses effectively. The conversation also highlights common financial pitfalls, such as high-interest debt and unnecessary insurance costs, while offering practical advice for navigating these challenges as one approaches retirement. If you have any questions about your retirement planning call Guardian Investment Advisors 800-517-1575 or click here to visit our website. Planning, Retiring, Saving, 401K, IRA, TSP, 403B, TaxesSee omnystudio.com/listener for privacy information.

Nicole and Larry Dubill, two Buffalo, NY area educators, share passion for education, music, and 403(b) advocacy.  Cleveland Hill School District 403(b/457(b) Vendor List Hamburg Central School District 403(b)/457(b) Vendor List The Truth About So-Called "No Fee" Products Meridian Wealth Management 403bwise.org Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

In this episode of Plan Today, Own Tomorrow, the hosts discuss the significant changes in tax legislation and their implications for retirement planning. They explore the potential impact of proposed tax changes, including the elimination of taxes on Social Security and the importance of considering Roth conversions as a strategic financial tool. The conversation also delves into the concept of a 'tax hangover' that retirees may face, emphasizing the need for proactive tax planning to avoid unexpected financial burdens. The episode concludes with a transition to income planning, highlighting the importance of preparing for future financial needs. If you have any questions about your retirement planning call Guardian Investment Advisors 800-517-1575 or click here to visit our website. Planning, Retiring, Saving, 401K, IRA, TSP, 403B, TaxesSee omnystudio.com/listener for privacy information.

Teacher who sought to educate colleagues about the 403(b) gets threatening email from Equitable. We read and discuss correspondence. Read the letter The Truth about Structured Investing Options (SIOs) Meridian Wealth Management 403bwise.org Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

#ThisMorning on #BRN | #Retirement | #2029 | Will #2025 Mark the #Inclusion of #CITS Collective Investment Trusts in #403b #Plans? | Tim Rouse, Chris Gaston and Jason Levy, The SPARK Institute | #Tunein: broadcastretirementnetwork.com #Aging, #Finance, #Lifestyle, #Privacy, #Retirement, #Wellness and #More - #Everyday

On this episode, Nathan discusses the impact of tariffs on retirement planning, debunking common myths and emphasizing the importance of having a clear financial strategy. They explore the benefits of Index Universal Life Insurance (IUL) as a tax-advantaged savings vehicle and discuss the role of annuities in providing guaranteed income for retirement. If you have any questions concerning your retirement call Nathan Fort 800-890-5008 or click here to visit our website. Retiring, Planning, Saving, Healthcare, 401K, Roth, TaxesSee omnystudio.com/listener for privacy information.

This episode of Plan Today own Tomorrow, the hosts discuss the importance of having a flexible retirement plan that can adapt to life's unexpected challenges, referred to as 'curveballs.' They emphasize the need for financial stability, healthcare planning, tax strategies, and estate planning to ensure a secure retirement. The discussion includes practical advice on how to prepare for these challenges and the significance of having a comprehensive income plan. If you have any questions about your retirement planning call Guardian Investment Advisors 800-517-1575 or click here to visit our website. Planning, Retiring, Saving, 401K, IRA, TSP, 403B, TaxesSee omnystudio.com/listener for privacy information.

Erin Witte, Director of Consumer Protection for the Consumer Federation of America, discusses the work she does protecting consumers in the face of a very anti-consumer climate.  Erin Witte Meridian Wealth Management 403bwise.org Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

The Revenue Act of 1978 changed the landscape of retirement in the US forever. With 401k planning, 403 planning, you made a deal with Uncle Sam, I'm not gonna pay you now, I'm gonna pay you later. We're gonna talk about that today on Plan Today, Own Tomorrow. If you have any questions about your retirement planning call Guardian Investment Advisors 800-517-1575 or click here to visit our website. Planning, Retiring, Saving, 401K, IRA, TSP, 403B, TaxesSee omnystudio.com/listener for privacy information.

Anonymous attendees dish on remarks made at a recent conference by leaders of lobbying group working to keep broken multi-vendor, sales agent-driven K-12 403(b) market in place.  NTSA Works Against Teachers Best InterestsAudio + Transcript of Brian Graff LAUSD Appearance Video of Brian Graff LAUSD Appearance NTSA Puts the Tax in the K-12 403(b) Vanguard Meridian Wealth Management 403bwise.org Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

On this edition of Retire Fit Radio with Nathan Fort: Retirement is a big life change. Some people celebrate it with excitement, while others find it a little challenging once their careers come to an end. Like many major transitions, it takes time to get used to, but little preparation can make a big difference. If you have any questions concerning your retirement call Nathan Fort 800-890-5008 or click here to visit our website. Retiring, Planning, Saving, Healthcare, 401K, Roth, TaxesSee omnystudio.com/listener for privacy information.

Today on Plan Today, Own Tomorrow, join Bobby Futch and Tanner Moore as they break down five major economic headlines and more importantly, what you can do to protect your financial future. If you have any questions about your retirement planning call Guardian Investment Advisors 800-517-1575 or click here to visit our website. Planning, Retiring, Saving, 401K, IRA, TSP, 403B, TaxesSee omnystudio.com/listener for privacy information.

We debut a new pod series: Basics of the 403(b) & 457(b). In this series, which will eventually get its own channel, we will go over the basics of how these plans work, and how they can be used to save wisely for retirement. First off: How to Start a 403(b).  403(b) Basics CalSTRS Pension 2 Enrollment Fidelity Enrollment (need an Employer Plan number) Vanguard Meridian Wealth Management 403bwise.org Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

Joe Cantu here and this is a Cantu Tactical Wealth Management, 9 topic update and stock market forecast. The stock market topics are #1 Losses. #2 Tariffs. #3. Where's the bottom of the stock market? #4. Why are we up when the stock market is down on our accounts? #5 our strategy before April 2nd tariffs. Number six. Our strategy after April 2nd tariffs #7. Recovery process. And expectations of the stock market. #8. Our plan to mitigate losses in the future. #9. Purchases we have made in this market correction. Joe CANTU is Chief Investment Officer of Cantu Tactical Wealth Management, is your host and has over 30 years of experience in the retirement money management profession. He is a West Point graduate with a Masters in Business administration. And has worked for three of the largest Wall Street firms as a stockbroker and portfolio manager over 10 years ago, he created Cantu Tactical Wealth Management, which actively balances and selects investments based on a tactical approach. Rather than the traditional strategic management method, instead of the buy and hold philosophy, he believes in the pursuit of finding investments showing momentum performance regardless of the direction of the market.  His experience includes IRA accounts, 401K rollovers, trusts, endowments, defined benefit plans, 403B and 401K plans. Additionally, he served as a night college instructor for seniors teaching high net worth retirement and estate planning for 14 years. Podcast views and personal opinions are for educational and entertainment purposes only. And does not constitute a recommendation. Investing has risk of loss and you should consult with your own advisors for any financial decisions. Cantu Tactical Wealth Management and Joe Cantu are a fiduciary firm and registered investment advisor in the States of California, Florida, Georgia and Texas, providing pure independent advice and money management.https://youtu.be/UrYxlJ31r2I Youtube Link:

Retirement is a big life change. Some people celebrate it with excitement, while others find it a little challenging once their careers come to an end. Like any major transition it takes some time getting used to, let us help you prepare today coming up on Plan Today on Tomorrow. If you have any questions about your retirement planning call Guardian Investment Advisors 800-517-1575 or click here to visit our website. Planning, Retiring, Saving, 401K, IRA, TSP, 403B, TaxesSee omnystudio.com/listener for privacy information.

Teacher gets phishy email from Equitable salesperson. Does it violate FINRA section 2210(d)(1)(A) and (B)? Equitable to Pay $50 Million Penalty What's That Phishy Smell in Your Inbox? Learned by Being Burned - Short pod series about how teachers got burned then got wise to the 403(b) Meridian Wealth Management 403bwise.org Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

The big question everyone asks about retirement is what's your number? How much do you really need before you can say goodbye to the nine to five grind? Well, here's the truth. It depends. The good news, we've got strategies to help on today's show. If you have any questions concerning your retirement call Nathan Fort 800-890-5008 or click here to visit our website. Retiring, Planning, Saving, Healthcare, 401K, Roth, TaxesSee omnystudio.com/listener for privacy information.

Retirement, it's the reward we dream of after all those years of hard work, right? No more morning alarms, no more office politics, and definitely no more exhausting commutes. But here's the thing, while you definitely gain a lot of freedom, you also lose more than you realize. All that and more on Plan Today, Own Tomorrow. If you have any questions about your retirement planning call Guardian Investment Advisors 800-517-1575 or click here to visit our website. Planning, Retiring, Saving, 401K, IRA, TSP, 403B, TaxesSee omnystudio.com/listener for privacy information.

Lucretia Ryan, financial writer, educator, philanthropist and founder of FinancialFreedomforWomen.org., discusses the options for getting health insurance before age 65. Dan discusses his sudden need for a new healthcare policy.  Retiring Before 65: How to Avoid Health Insurance Nightmares Choose the Best Medicare Plan Congressional District Interactive Map: How Much Will ACA Premium Payments Rise if Enhanced Subsidies Expire? Financial Freedom for Women Dirty Little Secrets of Medicare "Advantage" Learned by Being Burned - Short pod series about how teachers got burned then got wise to the 403(b) Meridian Wealth Management 403bwise.org Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®).   

The big question everyone asks about retirement is what's your number? How much do you really need before you can say goodbye to the 9 to 5 grind? Well, here's the truth. It depends. The good news, we've got strategies today on Plan Today on Tomorrow. If you have any questions about your retirement planning call Guardian Investment Advisors 800-517-1575 or click here to visit our website. Planning, Retiring, Saving, 401K, IRA, TSP, 403B, TaxesSee omnystudio.com/listener for privacy information.

We catch up with New Jersey high school business and personal finance teacher Chris Nye, one of the best 403(b) advocates in the country. He talks teaching personal finance, how teachers may have an excellent 403(b) choice already available and don't know it, and pension drama in New Jersey. Fight for Better (our first pod with Chris) Adding a 457(b) is As Easy As 1-2-3 (Chris's second appearance) Bad 403(b) Vendors with Good Choices Using Aspire Non Advisor Option Become a New Jersey Pension Advocate Learned by Being Burned - Short pod series about how teachers got burned then got wise to the 403(b) Meridian Wealth Management 403bwise.org Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

"Prepare your work outside; get everything ready for yourself in the field, and after that build your house." - Proverbs 24:27That verse underscores the need for planning and execution, key elements for long-term financial success. Matt Bell joins us today to discuss how to put planning and execution to work for you.Matt Bell is the Managing Editor at Sound Mind Investing, an underwriter of Faith & Finance. The Importance of a Financial PlanLife tends to happen to us while we're making other plans. Unfortunately, for many people, life happens without any financial planning at all. Millions of individuals fail to establish a clear strategy for managing their money, and even those who attempt to plan often struggle to stay on track.Without a plan, it's easy to drift financially, reacting to circumstances rather than proactively building a stable financial future. The impact of financial planning—and, more importantly, execution—can be profound.A 2011 study analyzed data from over 1,200 individuals aged 50 and older, examining their approach to financial planning and its effect on their retirement net worth. The study categorized participants into four groups based on their level of planning and follow-through:Non-Planners: More than two-thirds of those studied had not done any financial planning despite being close to retirement. Many had not even researched what to expect from Social Security. Simple Planners: This group at least considered their future financial needs and made basic calculations about saving for retirement. However, only about half of them created a tangible financial plan. Serious Planners: These individuals sought financial information and even paid for professional planning advice. However, like the previous group, about half failed to implement their plans. Successful Planners: The final group—only about 20% of those studied—both created and consistently followed a financial plan over many years.Even Small Steps Can Make a Big DifferenceOne encouraging takeaway from this study is that every step toward better planning leads to improved financial outcomes. Even moving from the “non-planner” to the “simple planner” category doubled or tripled net worth at retirement. Advancing to the “serious planner” level added another 25% to 35% in wealth accumulation.This demonstrates that financial planning isn't an all-or-nothing proposition. Even taking small steps—like estimating future financial needs or using basic retirement calculators—can lead to significant benefits.Proverbs 21:5 reminds us, “The plans of the diligent lead to profit.” This timeless wisdom underscores the necessity of both planning and execution.If you haven't started the planning process yet, or if you have a plan but aren't consistently following it, research shows there's substantial value in getting back on track. Tools like Sound Mind Investing's MoneyGuide, or even free online retirement calculators, can be a great way to start.Long-term financial success doesn't happen by accident—it requires both a solid plan and the discipline to follow through. Every step forward matters, whether you're just beginning your financial journey or looking to refine your existing plan.For more insights, you can read the full article, “Planning and Execution: The Keys to Long-Term Financial Success,” at SoundMindInvesting.org.On Today's Program, Rob Answers Listener Questions:I have a 401(k) contributing 8%, but my company stopped matching and moved to a pension system. Should I roll over my 401(k) to a Roth or annuity? The balance is around $32,000.I know we need to be generous with our money, and I want to do the same with God's money. So, I was looking into donating to St. Jude's Hospital and my local church. Is it possible to do both, or should I double down and donate all of it to my local church?I have an HSA and had to start Medicare 7.5 years ago. I read I can retroactively take out the Medicare Part B premiums I've paid from my HSA over those 7.5 years. Is that correct?My wife is 62, and we wanted to know if she should start taking Social Security now. We don't need the money for income; we would just invest 100% of it. We're not sure what the drawbacks would be.I'm 64 years old and have significant money in IRA CDs. I considered slowly withdrawing the money every year to increase my liquid assets. I understand that the money goes toward my annual income, but I wanted to know if there is another way to lessen the taxes I have to pay.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly PublicationSound Mind Investing | MoneyGuidePlanning and Execution: The Keys to Long-Term Financial Success (Article from Sound Mind Investing)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Scott and Dan look at the Employee Retirement Income Security Act (ERISA) which brought a fiduciary standard to most retirement plans. The act went into effect in 1974 but is beginning to show its age.    How a 50-year-old law changed retirement and why it needs a facelift Dawn of ERISA Man with a Better Plan - We almost had a simpler retirement system Learned by Being Burned - Short pod series about how teachers got burned then got wise to the 403(b) Meridian Wealth Management 403bwise.org Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

Barbara O'Neill, CFP®, AFC® and Scott Dauenhauer CFP® break down the recently passed Social Security Fairness Act and what it means for some educators. They cover why the WEP and GPO were first put in place and what it's repeal means for: Those currently collecting Social Security benefits Those new eligible to collect Social Security benefits Those lacking enough credits to qualify for Social Security benefits At the conclusion of the recording of this episode Scott got a call from a family member who he had helped apply for this new benefit who shared the good news that she had just received a Social Security check for more than $9,000.  The Social Security Fairness Act: A Holiday Season Miracle Social Security Administration Social Security Fairness Act 403(b) Plans and Social Security  Guardians of SS FBG WEP Chart note: Link mentioned in pod mysteriously stopped working the day after recording. A web search for new link is recommended.  Opinion: Social Security Fairness Act will be tricky to implement Learned by Being Burned - Short pod series about how teachers got burned then got wise to the 403(b) Meridian Wealth Management 403bwise.org Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

“I have no greater joy than to hear that my children are walking in the truth.” - 3 John 1:4In that verse, the Apostle John praises his friend Gaius and other believers for their generosity toward missionaries. As parents, we want our children to be generous toward God's Kingdom. Dr. Art Rainer joins us today with some steps we can take to grow our kids in generosity.Dr. Art Rainer is the founder of the Institute for Christian Financial Health and Christian Money Solutions. He is also the author of The Money Challenge: 30 Days of Discovering God's Design for You and Your Money and the Secret Slide Money Club, a book series designed to teach young readers about God's way of being wise with money. Why Teaching Generosity MattersParenting is a high calling. Everything we say and do influences our children's lives, shaping their worldview and their relationship with God. Generosity is part of God's plan for His people, so we must intentionally guide our kids away from selfishness and toward selflessness.But how do we teach children to be generous when human nature tends to favor holding on rather than giving away? It starts with a few key principles.1. Model GratefulnessBefore kids can learn to give, they must first recognize the blessings they've received. A heart of gratitude fosters a heart of generosity.Regularly express thankfulness for the resources God has given your family. Teach your children that everything belongs to God—we are simply stewards of His gifts. Share stories of how generosity has impacted your own life and how giving frees us from the grip of money.Gratefulness leads to an open-handed posture toward money and possessions.2. Talk About GenerosityChildren won't naturally connect giving to their faith unless we explain it to them. Conversations about generosity help shape their understanding of why we give.Explain that we give because God first gave to us (John 3:16). Share personal testimonies of times when generosity blessed others—or when you were blessed by someone else's generosity. Connect giving to the gospel: Just as God gave us His Son, we reflect His love when we give to others.3. Model Generosity in Everyday LifeKids have a strong radar for hypocrisy. If we talk about generosity but don't practice it, they'll notice. That's why we must demonstrate generosity in tangible ways.Let them see you giving—to your church, to charities, or to people in need. Discuss the needs of others. Ask them, “Have you ever needed help? How did it feel when someone helped you?” Involve them in acts of giving, such as donating food, helping a neighbor, or supporting a ministry.When children witness generosity in action, they begin to understand its value.4. Let Them Earn and GiveFor kids to truly grasp generosity, they need to experience both the sacrifice and joy of giving. One way to do this is by allowing them to earn their own money.Provide opportunities for them to do small jobs or earn an allowance. Encourage them to set aside a portion for giving, just as they do for saving and spending. Let them choose where to give—whether it's to the church, a missionary, or a local charity.Handling their own money makes giving more meaningful and personal.5. Prioritize Giving to the Local ChurchOne of the best ways to instill a habit of generosity is by encouraging children to give to their church.Introduce them to pastors and missionaries so they can see how their giving impacts the Kingdom. Show them how to give—let them physically place money in the offering plate rather than only giving online. Reinforce that their giving contributes to something much bigger than themselves.6. Encourage Giving with Joy, Not GuiltGiving should be joyful, not forced. Pressuring kids to give out of obligation can lead to resentment rather than a cheerful heart. Instead, celebrate their generosity and show them the blessings that come from giving freely.As 2 Corinthians 9:7 reminds us, “God loves a cheerful giver.”Raising generous children requires intentionality. By modeling gratefulness, discussing generosity, and providing opportunities for them to give, we can help shape their hearts to reflect God's generosity.Want to dive deeper into this topic? You can read more in Faithful Steward, FaithFi's brand-new quarterly publication that equips families to align their faith and finances for God's glory.To start receiving Faithful Steward every quarter, become a FaithFi Partner by giving $35 or more per month or $400 annually. Visit FaithFi.com/give to partner with us and receive this inspiring publication delivered right to your mailbox.On Today's Program, Rob Answers Listener Questions:I have a 401(k) with about $128,000 in it, and I'd like to invest $60,000 into an annuity. The person I talked to said I would get an 8,600-dollar bonus immediately if I invested the $60,000. He also said I could take out 20% of the annuity after two years. What do you think about this annuity option?I am 51 years old. I retire at the end of next year and have a state pension. In addition, I also have some 401ks and 403bs that I've tapped into over the last, you know, 30 years that I've been employed or contributed to. Instead, what do I do with those 401k's and 403B's at that time of retirement?Half of my portfolio is in real estate, and the other half is in stocks. The old advice was to move more into bonds as you get older, but bonds haven't done well lately while the stock market has been incredible. What are your thoughts?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly PublicationLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Retired educator is prolific writer of state specific retirement guides for teachers (40 and counting); he's running for a seat on the Colorado PERA Board of Trustees; and he writes engaging and educational retirement planning material that he makes available for free. We discuss all of this and more.   Fisch Financial Karl's State Specific Retirement Guides for Educators LA Wildfire Relief Learned by Being Burned - Short pod series about how teachers got burned then got wise to the 403(b) Meridian Wealth Management 403bwise.org Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

We discuss Vanguard's settlement with the SEC over issues with target date funds held in taxable accounts.  Vanguard to Pay More than $100 Million Over Target Date Violations US Inflation Calculator 403bwise Vendor Grades LA Wildfire Relief Learned by Being Burned - Short pod series about how teachers got burned then got wise to the 403(b) Meridian Wealth Management 403bwise.org Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

Individual barred from acting as a broker goes all in on Florida K-12 market is another example of how broken the K-12 403(b) remains.  FINRA Broker Check LA Wildfire Relief Learned by Being Burned - Short pod series about how teachers got burned then got wise to the 403(b) Meridian Wealth Management 403bwise.org Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®).