Podcasts about 403bwise

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®). 

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®). 

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®). 

Our guest today, Aaron Standish, is the former Financial Literacy Coordinator (K-12) for the School District of Palm Beach County, Florida who recently joined Next Gen Personal Finance as their Partnership & Adoption Manager for the Southeastern part of the country.  ngpf.org NGPF On-Demand Modules The Most Important Class You Never Had 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®). 

More like: Meet the new boss. Same as the old boss. We review Equitable's new Equi-vest Series 202 403(b) product. Note: We talk Buffalo Bills football and Oregon Duck football for the first six minutes and 25 seconds.   Equi-vest Series 202 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®). 

Dr. Jeff Venables is a veteran South Carolina Chemistry teacher whose advocacy led his district to add Aspire, Fidelity and Vanguard to their 403(b) lineup. But he's not done there. He's now lobbying state legislators.  Jeff's District TL; DR Finanical Literacy for Employees of South Carolina Public Schools Karl Fisch State Books for Educators 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®). 

Former custodian Jeff York talks retirement and the joy it has brought him. He also talks finances — including a bold approach to homeowners insurance — and a little fishing. 2019 Podcast with Jeff Learned by Being Burned - Short pod series about how teachers got burned then got wise to the 403(b) Meridian Wealth Management 403bwise.org

Award-winning meteorologist and fin lit fan Greg Dee of ABC Action News in Tampa, FL talks investing, forecasting, and a day in the life of a weatherman. Greg Dee, ABC Action News Tampa, FL Award for Broadcast Meteorology (for life saving work) Equitable SEC Settlement Our Pod on the SEC/Equitable Settlement

Dan and Scott discusses Dan's medical scare and market volatility.  From Soft Landing to Emergency Landing? by Cullen Roche Learned by Being Burned - Short pod series about how teachers got burned then got wise to the 403(b) Meridian Wealth Management 403bwise.org

Scott and Dan get a little personal before talking about NTSA's so-called Elite Advisor Awards. Learned by Being Burned - Short pod series about how teachers got burned then got wise to the 403(b) Meridian Wealth Management 403bwise.org  

The 403(b)ill of Rights is one of the first 403(b) blog posts Dan ever wrote. It first appeared around July 4, 2000. Over the years we have made incremental improvements to it. What follows is a refresh. The new Amendment 12 may be considered radical. Frankly, it's radical that it is even needed.  403(b)ill of Rights Refreshed Learned by Being Burned - Short pod series about how teachers got burned then got wise to the 403(b) Meridian Wealth Management 403bwise.org

Teacher and podcast host Shaun Morgan talks saving for retirement. The Teacher Money Show 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®). 

In this NGPF Podcast episode, Dan Otter and Scott Dauenhauer of 403bwise discuss the challenges teachers face with 403B retirement plans, including high fees and poor investment options. The duo shares their advocacy journey to empower educators with better financial literacy and tools for improving retirement outcomes. They also explore state policies impacting financial education and offer practical advice for educators aiming to enhance their financial plans. Listen to this discussion to learn how educators can navigate and advocate for better retirement options.

Former teacher and NGPF alum, Brian Page, shares his new endeavor designed to help couples have better conversations and make better decisions around money and the sharing of family responsibilities. Modern Husbands Brian Page Money Magazine Money Hero ngpf.org 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 address anti-union charges leveled at 403bwise.org  Shark Attack  NEA Valubilder Expose 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®). 

To celebrate hitting 15,000 Facebook Group members we ask and answer 10 recent questions posted in this vibrant community.  Bad Vendors Who Have Good Plans How to Get Out of a Bad 403(b) How to Get Out of AXA/Equitable Working with a Financial Professional 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®). 

Hockey playing (soon to be!) New York math teacher Sarah Peterson helps colleagues get wise to the 403(b) and the 457(b).  Peekskill City School District 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®). 

A retired educator and administrator who used F.I.R.E. principles to retire early talks about earning her CFP®, passing the exam, and working with clients.    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®). 

School custodian turned-accountant describes how the mentorship of Jeff York, who listeners to the podcast might better know as the Wealthy Custodian, helped set her on a path to financial stability.  The Wealthy Custodian The Wealthy Custodian Retires (pt. 1) The Wealthy Custodian Retires (pt. 2) 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®).   

Annual beginning of the year check-in with Barb O'Neill, CFP, AFC (Accredited Financial Counselor), and owner/CEO of Money Talk: Financial Planning Seminars and Publications, and a regular contributor to 403bwise. She shares what 403(b) participants need to know in 2024.  2024 Changes Affecting 403(b) Participants Secure Act 2.0 (pt 1) Secure Act 2.0 (pt 2) Secure Act 3.0 Pod Secure Act 3.0 Podcast Your Future Self: How to Make Tomorrow Better Today 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®). 

California high school teacher Matt Raleigh, and retired Colorado teacher and prolific author, Karl Fisch, share their experience teaching a college level personal finance course for educators. They also discuss how you can design and teach a similar course Financial Literacy for California Public School Teachers Karl's Course Information A Not So Modest Proposal: Teach My Financial Literacy for Educators Class Karl's Books Collaborate with Karl Matt Raleigh on teaching and co-writing a saving-for-retirement guide for California teachers (pod) 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®). 

Teacher-turned planner, Justin Garritt goes deep on student loans including sharing an important deadline (December 31, 2023) for those looking to get maximum value out of PSLF (Public Service Loan Forgiveness).    Garritt Financial Solutions Teacher/Travel Hacker Turned Fiduciary Happy Travel Hacker 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®). 

Scott talks TIPS (Treasury Inflation-Protected Securities), and the dramatic rise in their real rate of return. TIPS 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®). 

403bwise Facebook Group reaches a Taylor Swift-like milestone. New Jersey school district throws teachers under the bus.  403bwise Facebook Group New Jersey District Throws Teachers Under the Bus 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®). 

Dan and 403bwise community honored by InvestmentNews. We tell the 403bwise origin story. How a Former Teacher is Educating the World About 403(b)s An Annuity for the Teacher — and the Broker (New York Times) 403bwise in 2000  Paying for College with Ron Lieber (podcast) Meridian Wealth Management 403bwise.org

Part 2 of our wide ranging interview with one of the most influential personal finance writers in the country, Scott Burns. A longtime columnist for the Dallas Morning News and the father of the “Couch Potato Portfolio” investing style, Scott is a longtime champion of teachers, and K-12 403(b) reform. Scott Burns Learned by Being Burned — teachers share how they were burned by sales agents and "trusted" advisors and how they got wise to the 403(b) plan Meridian Wealth Management 403bwise.org

Wide ranging interview with one of the most influential personal finance writers in the country, Scott Burns. A longtime columnist for the Dallas Morning News and the father of the “Couch Potato Portfolio” investing style, Scott is a longtime champion of teachers, and K-12 403(b) reform (part 1 of 2). Scott Burns Learned by Being Burned — teachers share how they were burned by sales agents and "trusted" advisors and how they got wise to the 403(b) plan Meridian Wealth Management 403bwise.org

Massachusetts 5th grade teacher Brian Kramer, who describes himself as an Aspiring Financial Literacy Advocate, discusses teaching, how he and his wife got out of Equitable, term life insurance, saving in a Roth IRA, and perhaps earning the CFP® designation.   Northborough School District 403(b) Plan Learned by Being Burned (teachers share how they were burned by sales agents and "trusted" advisors and how they got wise to the 403(b) plan) Meridian Wealth Management 403bwise.org

Former professional baseball player and current Florida high school teacher, Ole Sheldon, discusses his new book The Impact of Fees on Retirement Investing: Written by a Teacher for Teachers which grew out of his doctoral dissertation on this topic.  The Impact of Fees on Retirement Investing: Written by a Teacher for Teachers Learned by Being Burned (teachers share how they were burned by sales agents and "trusted" advisors and how they got wise to the 403(b) plan) Meridian Wealth Management 403bwise.org

Yanely Espinal is the author of Mind Your Money and the Director of Educational Outreach at our favorite non-profit, Next Gen Personal Finance. To her 58,000 youtube followers she is known as MissBeHelpful, a fin lit channel she founded in 2015 that has racked up more than 4 million views. Yanely also hosts the Financially Inclined, a podcast about "all the money lessons we wish we learned earlier." In part 2 of this two-part interview, Yanely talks about her pivot from education to YouTube Fin Lit star and all of the opportunities it has led to.  Mind Your Money NGPF MissBeHelpful YouTube Channel Financially Inclined Learned by Being Burned (teachers share how they were burned by sales agents and "trusted" advisors and how they got wise to the 403(b) plan) Meridian Wealth Management 403bwise.org

Yanely Espinal is the author of Mind Your Money and the Director of Educational Outreach at our favorite non-profit, Next Gen Personal Finance. To her 58,000 youtube followers she is known as MissBeHelpful, a fin lit channel she founded in 2015 that has racked up more than 4 million views. Yanely also hosts the Financially Inclined, a podcast about "all the money lessons we wish we learned earlier." In part 1 of this two-part interview, Yanely talks growing up in Bushwick, Brooklyn; the economic challenges she and her family faced; earning a scholarship to Brown University; and working as an elementary teacher.  Mind Your Money NGPF MissBeHelpful YouTube Channel Financially Inclined Learned by Being Burned (teachers share how they were burned by sales agents and "trusted" advisors and how they got wise to the 403(b) plan) Meridian Wealth Management 403bwise.org

Auto Enrollment has led to a massive increase in saving for retirement participation, especially among the young. We discuss data from new Vanguard 401(k) report, and what it could mean for the 403(b) and 457(b). We also talk a little travel hacking at beginning of podcast.  Report: Generational Changes in 401(k) Behaviors Learned by Being Burned (teachers share how they were burned by sales agents and "trusted" advisors and how they got wise to the 403(b) plan) Meridian Wealth Management 403bwise.org

Listening to the education and advocacy podcast series Learned by Being Burned: Teachers and the K-12 403(b) motivated South Carolina high school teacher to advocate for and get better 403(b) investment choices in his South Carolina school district.  York 3 vendor list Learned by Being Burned (teachers share 403(b) horror stories) Meridian Wealth Management 403bwise.org

After their own missteps, New York music teachers Hana and her husband James are helping colleagues get wise to the 403(b). Hana may have the best story ever for how and where she first signed up for a 403(b).  Episode begins with Dan talking about his current living arrangement.  Learned by Being Burned (teachers share 403(b) horror stories) Meridian Wealth Management 403bwise.org

Scott calls them the "boring administrative sh*t" but investment committees can be game changers in ensuring quality 403(b) and 457(b) plans. What are they? How do they work? And why you should consider starting or serving on one.  New York State laws on Deferred Compensation Committee Learned by Being Burned (teachers share 403(b) horror stories) Meridian Wealth Management 403bwise.org

NTSA pushing bill to ban single vendor 457(b) plans in Illinois. But only for K-12 institutions. Not police plans. Not firefighter plans. Not government employee plans.  Bad New Jersey 403(b) legislation is on the move despite sponsors telling teachers it was dead.  SB 1233 (Illinois) Senator Michael W. Halpin (D) 36th District Representative Stephanie A. Kifowit (D) 84th District Bill A1974 (New Jersey) Learned by Being Burned (teachers share 403(b) horror stories) Meridian Wealth Management 403bwise.org

We talk about our recent talk with CalSTRS, and take another look at how to access 403(b) money. Accessing 403(b) Money Learned by Being Burned (short pod series that explains why the K-12 403(b) is so bad and what teachers are doing to fix it) Meridian Wealth Management 403bwise.org

We dig into the two advising services firm offers: 1) Vanguard Digital Advisor; and 2) Vanguard Personal Advisor. NerdWallet Ratings Learned by Being Burned (short pod series that explains why the K-12 403(b) is so bad and what teachers are doing to fix it) Meridian Wealth Management 403bwise.org

We go over the insurance policies every educator should consider having.  Learned by Being Burned (short pod series that explains why the K-12 403(b) is so bad and what teachers are doing to fix it) Meridian Wealth Management 403bwise.org

Taylor Swift is amazing for so many reasons: talented singer-songwriter, role model, activist. But did you know that she has written 10 songs about the K-12 403(b)?  Learned by Being Burned (short pod series that explains why the K-12 403(b) is so bad and what teachers are doing to fix it) Meridian Wealth Management 403bwise.org

SB 263 — which could be a model for other states — will decrease the number of sales of life insurance and annuities to consumers that are not in consumers' best interests by prohibiting insurance producers from receiving incentives beyond allowable commissions or fees (such as prizes, rent reimbursement, etc.) for their sales and also prohibiting producers from making sales when they do not know if the product is in the consumer's best interest. Bill also covers sale of life insurance products.  SB 263 Insurance Agent (Producer) Compensation Disclosure For Annuities and Life Insurance Policies Form Learned by Being Burned (short pod series that explains why the K-12 403(b) is so bad and what teachers are doing to fix it) Meridian Wealth Management 403bwise.org

If only Congress had adopted a 2003 Bush Administration plan to drastically simplify saving for retirement. We interview William Sweetnam the Benefits Tax Counsel at the Treasury Department from 2001-2005. 2003 ERSA/LSA/RSA Plan Learned by Being Burned (short pod series that explains why the K-12 403(b) is so bad and what teachers are doing to fix it) Meridian Wealth Management 403bwise.org

Classic bank run has many wondering how they can protect their savings.   Learned by Being Burned (short pod series that explains why the K-12 403(b) is so bad and what teachers are doing to fix it) Meridian Wealth Management 403bwise.org

Lobbying organization is actively working to make saving for retirement more expensive for educators. Link to Soundbite of NTSA Lobbying Against Single Vendor 403(b) in LAUSD Banned by the NTSA NTSA Works Against Teachers Best Financial Interests (Contains links to Illinois and Maryland bills) Mike Halpin Sponsor of Illinois 457(b) Bill  SB1233 Learned by Being Burned (short podcast series) Meridian Wealth Management 403bwise.org

Matt Raleigh on teaching and co-writing a saving-for-retirement guide for California teachers. TL;DR: Financial Literacy for California Public School Teachers: Optimizing Financial Decisions Based on Your CalSTRS Benefits Learned by Being Burned (short podcast series) Meridian Wealth Management 403bwise.org

Teacher turned travel-hacker/blogger extraordinaire, Zac Hood talks leveraging credit card use to travel "freely."  Travel Freely Award Hacker Point.me Learned by Being Burned (short podcast series) Meridian Wealth Management 403bwise.org

That is how much money teacher-turned planner David Gourley has saved teachers in student loan repayment.  Teach Plan Retire Newsletter New Biden Student Loan Repayment Plan (January 2023) July 2022 PSLF Waiver Event (Podcast) Learned by Being Burned (short podcast series) Meridian Wealth Management 403bwise.org

On January 31, 2003, the Bush Administration announced a plan to drastically change how Americans save in defined contribution plans. Unfortunately that plan never got the public debate it deserved. Scott and Dan discuss the never implemented plan.  Bush Administration Retirement Savings Plan Learned by Being Burned (short podcast series) Meridian Wealth Management 403bwise.org

We are more comfortable talking about death than money. Yet, financial planning is an critical part of an estate (and even, life) planning. Then, a school district employee gets us talking about using the tool at 403bWise to look up many school district 403b plan investments. We hear from listeners: How can school district employees get school boards to improve plan investments? You may want to include your actual phone in you estate package. Please explain the process of meeting with one of our advisors. What do we think of Thrivent? Learn more about your ad choices. Visit megaphone.fm/adchoices

Horrified by complexity of SECURE Act 2.0 and saving for retirement in general, Dan and Scott devise a better way to save for retirement, medical expenses and college. Learned by Being Burned (short podcast series) Meridian Wealth Management 403bwise.org