Podcasts about ae wealth management

Losing a loved one is emotionally devastating—but it can also create unexpected financial turmoil. In this episode, Gregory Ricks shares eye-opening statistics, personal stories, and practical steps to help you prepare for the financial aftermath of a death in the family. From funeral costs to lost income, estate planning to surviving spouse concerns, we cover what you need to know before a crisis hits. Whether you're 30 or retired, now is the time to get involved and make sure both partners are on the same financial page.SOURCES:Over Half of Americans Stumble Financially After Losing a Loved One. Are You Prepared?Half of Americans Struggle Financially After Losing a Loved OneFor more episodes like this head over to www.gregoryricks.com/podcastFor the latest in financial news, why don't you tune into "Winning at Life with Gregory Ricks" LIVE on Saturday Mornings from 10 am - 1 pm on: New Orleans - WRNO-News Talk 99.5 FM Biloxi- WBUV - News Talk 104.9 FM OR watch on YouTube LIVE on our YouTube page Winning at Life with Gregory Ricks!If you have any questions or are looking for some financial advice?CLICK HERE to Book a Consultation The free consultation provides an overview of products and services offered by Gregory Ricks & Associates. Investment advisory services made available through AE Wealth Management, LLC, a Registered Investment Adviser, and there is no obligation.

In this episode of the Ask Gregory Podcast, Gregory answers a listener's question about working past retirement age and how that affects Social Security benefits. Later in the episode, Wealth Advisor Brandon Blanchard and Gregory discuss how a team-based advisory approach may benefit clients long-term. They also break down Qualified Charitable Distributions (QCDs), required minimum distributions (RMDs), and the power of reaching that first $100,000 in your 401(k).If you're considering retirement, thinking about charitable giving, or evaluating what you need from a financial advisor or firm, this episode may be able to help you make informed decisions.For further reading, check out our blog article “Qualities to Look for When Choosing a Financial Advisor.”For more episodes like this head over to www.gregoryricks.com/podcastFor the latest in financial news, why don't you tune into "Winning at Life with Gregory Ricks" LIVE on Saturday Mornings from 10 am - 1 pm on: New Orleans - WRNO-News Talk 99.5 FM Biloxi- WBUV - News Talk 104.9 FM OR watch on YouTube LIVE on our YouTube page Winning at Life with Gregory Ricks!If you have any questions or are looking for some financial advice?CLICK HERE to Book a Consultation The free consultation provides an overview of products and services offered by Gregory Ricks & Associates. Investment advisory services made available through AE Wealth Management, LLC, a Registered Investment Adviser, and there is no obligation.

Gregory Ricks takes a close look at the Social Security Fairness Act and what its recent passage means for both government employees and the future of Social Security itself. Using real-world examples, he breaks down why repealing the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO) could lead to unintended — and unfair — financial consequences for American taxpayers. Gregory also shares insights from Harvard Business School's Arthur Brooks about two common financial mistakes that can derail your financial goals: normalizing debt and confusing spending with happiness. Whether you're preparing for retirement or just trying to stay on track with your money in 2025, this episode will give you important updates, critical advice, and steps to protect your future. For more episodes like this head over to www.gregoryricks.com/podcastFor the latest in financial news, why don't you tune into "Winning at Life with Gregory Ricks" LIVE on Saturday Mornings from 10 am - 1 pm on: New Orleans - WRNO-News Talk 99.5 FM Biloxi- WBUV - News Talk 104.9 FM OR watch on YouTube LIVE on our YouTube page Winning at Life with Gregory Ricks!If you have any questions or are looking for some financial advice?CLICK HERE to Book a Consultation The free consultation provides an overview of products and services offered by Gregory Ricks & Associates. Investment advisory services made available through AE Wealth Management, LLC, a Registered Investment Adviser, and there is no obligation.

Feeling stuck or overwhelmed by your finances? You're not alone—and you're not out of options. In this episode of Ask Gregory, Gregory Ricks helps you reconnect with your financial goals by making them personal, achievable, and even enjoyable. From shifting your mindset about emergency funds (hello, “reserve accounts”) to choosing the best debt payoff strategy, Gregory lays out realistic, motivating steps anyone can take and ways to make financial goal setting fun! Whether you're ready to start saving, stop stressing over credit cards, or just want to feel more in control, this episode gives you the motivation and tools to make it happen.For more episodes like this head over to www.gregoryricks.com/podcastFor the latest in financial news, why don't you tune into "Winning at Life with Gregory Ricks" LIVE on Saturday Mornings from 10 am - 1 pm on: New Orleans - WRNO-News Talk 99.5 FM Biloxi- WBUV - News Talk 104.9 FM OR watch on YouTube LIVE on our YouTube page Winning at Life with Gregory Ricks!If you have any questions or are looking for some financial advice?CLICK HERE to Book a Consultation The free consultation provides an overview of products and services offered by Gregory Ricks & Associates. Investment advisory services made available through AE Wealth Management, LLC, a Registered Investment Adviser, and there is no obligation.

Volatility isn't good or bad; It's just reality!  The best way to take advantage of that instability is to plan for it, but do you know where to start? Listen to this crucial, can't-miss episode, with special guest speaker, Tom Siomades-Chief Market Economist of AE Wealth Management,  and learn how to take advantage of the ups AND downs of the market woes. Be sure to share this with your loved ones, as you never know who needs to hear messages like this and when! You could be saving them from some serious financial mistakes. Thanks for listening!

In this episode, Scott is going to share some of the wisdom he gained from AE Wealth Management's Wealth Elite Symposium he recently attended in Nashville, Tennessee. This event featured esteemed speakers from Schwab, former writers for the Wall Street Journal, experts from Fidelity, and more. Listen in as Scott shares his takeaways on market risk, recessions, interest rates, generational wealth, and happiness in retirement.   Here's some of what we discuss in this episode: 0:00 - Intro 3:23 - Market risks, recessions, and the unpredictability of economic events 10:41 - Having an investment strategy that aligns with your timeline, tolerance, and income plan 12:48 - The impact of Fed interest rates on the market + accounting for inflation in your retirement plan 17:56 - How the potential decline in interest rates affects online savings accounts 20:48 - Items to keep in mind during this election year 23:30 - Normalizing conversations around wealth + being transparent with your beneficiaries 31:31 - Bringing happiness into your morning routine   Want to get in touch? Web: https://sierensfinancialgroup.com/ Email: office@sierensfinancialgroup.com Phone: 847-235-6989 Read more and get additional financial resources here: http://lifemoneyshow.com  Check out our YouTube channel: https://www.youtube.com/channel/UCPhQ-u12d60Z0HNCwwVubdQ 

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

Brad is dedicated to helping clients create financial independence through a well-thought-out financial strategy for retirement. As a junior in high school, Brad knew he wanted to be a financial advisor and help others work toward their retirement dreams. He then went on to attend Eastern Michigan University and graduated with his Bachelor's Degree in finance.Following college, he spent the first decade of his career with a regional consulting firm, honing his skills. He went on to open his own firm and focus on his love of providing retirement advice. With more than 17 years of experience working with retirees and those near retirement, Brad enjoys connecting with clients and prospects by conducting informational seminars and workshops in the community.Brad is a very family-centered person. In November of 2021, Brad and his wife Angie welcomed their first child, Eleanor Grace. Also, a part of the family is rescue dogs Lucy and Ocque. When out of the office, Brad enjoys golfing, taking the dogs to the park, and creating memories with his family.Learn More:https://jonesretirement.com/Securities products and services made available through AE Financial Services, LLC (AEFS), member FINRA/SIPC. 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 Jones Retirement Advisors, LLC. Jones Retirement Advisors, LLC is also a Financial Services practice that offers products and services through AE Financial Services, LLC (AEFS), member FINRA/SIPC. Jones Retirement Advisors, LLC is also an Investment Advisory practice that offers investment advisory products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Advisor. AEFS and AEWM do not offer insurance products. The insurance products offered by Jones Retirement Advisors, LLC are not subject to regulatory requirements or standards of care applicable to registered representatives and are not subject to Investment Advisor requirements.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-brad-jones-founder-and-financial-advisor-with-jones-retirement-advisors

Brad is dedicated to helping clients create financial independence through a well-thought-out financial strategy for retirement. As a junior in high school, Brad knew he wanted to be a financial advisor and help others work toward their retirement dreams. He then went on to attend Eastern Michigan University and graduated with his Bachelor's Degree in finance.Following college, he spent the first decade of his career with a regional consulting firm, honing his skills. He went on to open his own firm and focus on his love of providing retirement advice. With more than 17 years of experience working with retirees and those near retirement, Brad enjoys connecting with clients and prospects by conducting informational seminars and workshops in the community.Brad is a very family-centered person. In November of 2021, Brad and his wife Angie welcomed their first child, Eleanor Grace. Also, a part of the family is rescue dogs Lucy and Ocque. When out of the office, Brad enjoys golfing, taking the dogs to the park, and creating memories with his family.Learn More:https://jonesretirement.com/Securities products and services made available through AE Financial Services, LLC (AEFS), member FINRA/SIPC. 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 Jones Retirement Advisors, LLC. Jones Retirement Advisors, LLC is also a Financial Services practice that offers products and services through AE Financial Services, LLC (AEFS), member FINRA/SIPC. Jones Retirement Advisors, LLC is also an Investment Advisory practice that offers investment advisory products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Advisor. AEFS and AEWM do not offer insurance products. The insurance products offered by Jones Retirement Advisors, LLC are not subject to regulatory requirements or standards of care applicable to registered representatives and are not subject to Investment Advisor requirements.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-brad-jones-founder-and-financial-advisor-with-jones-retirement-advisors

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.

You've probably heard by now that Silicon Valley Bank failed last Friday. It appears the bank rapidly took deposits over the last few years, and they needed somewhere to place their funds. And here begins the problem. The bank put money in Treasury bonds and mortgage-backed securities. When interest rates go up, bonds lose value.A few depositors figured this out and began withdrawing their large deposits in the bank. Eventually the bank was unable to meet the demand of withdrawals. Which is a bank's worst nightmare!If you've been following this saga, you may be reading about fears of “contagion,” which is a fancy way of saying when one bank fails there is risk that other banks may fail due to fear of similar circumstances.Just last week, head of the Fed Jerome Powell indicated that interest rates will continue to rise in his comments to Congress. The government had appeared to think inflation was coming down, and interest rate increases might slow down. But after the economy added more jobs than expected this year, Powell began indicating that the rates are likely to continue rising. It will be interesting to see if the government pauses raising rates when they meet later this month or if the Fed will continue its plan to raise rates.What should you do? If you have a well-thought-out plan of action, you should probably do nothing.Nick Murray, an advisor and prolific author on the market, wrote, “Wealth is not determined by investment performance, but by investor behavior.”The goal with financial planning is doing the planning so that you don't have to be reactionary when difficult times happen in the market. People with no plan have to play defense all the time, but we know the only way to win is by playing offense.You can be positioned to play offense by staying invested in difficult periods if you have a plan. Time and time again I have people tell me that if only they had not sold and had stayed invested, they'd be so much better off. Selling in difficult markets is what we do when we don't have a plan. If you don't have a financial plan now is the time to develop it.Investment advisory services offered only by duly registered individuals through AE Wealth Management, LLC (AEWM). AEWM and Clients Excel, LLC are not affiliated companies. Investing involves risk, including 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 insuring 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 particular needs of an individual's situation. Clients Excel 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 Clients Excel. The use of logos and/or trademarks of podcast hosting sites are the property of their respective owners and are not an endorsement by those owners of our firm or our program.

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

Like a lot of people, I've always had a job where I work with people, and it's always fascinated me to try to figure out why people think the way they do. People are unique, but their themes are similar.In my role as a financial planner, I primarily assist Baby Boomers who are navigating how to retire. Or that's often when we were first acquainted. In our initial meeting I always ask, “How are you feeling about the stock market?” You'd be surprised at the responses, but one theme repeats.I ask this question when the stock market is doing well, and when it's struggling like it has been recently. Naturally, the answers vary, but in our current prolonged downturn I've been getting an interesting response.People have frequently said something along the lines of, “The market is down, but I believe in the market. It'll come back, and we'll (America) get it figured out.” I don't disagree but think with me about the importance of our order of returns. Steve and Bill are brothers. Bill has a few years on Steve. Bill retired in 2000, and Steve retired in 2010. They both entered retirement with $500,000 saved. They both began withdrawing $30,000 to supplement their incomes.From 2010 to 2019 the worst market return came in 2018, but it wasn't even a 6.5% decline. Most will recall that 2000 to 2009 was a wildly different situation. The market had four negative years with the worst of which being a drop of 38%.Who do you think came out better? Clearly, Steve had more favorable circumstances. Steve, retiring in 2010 had over $874,000 in 2019 while taking the $30,000 away each year. Bill on the other hand was left with less than $97,000.Managing risk in retirement is as important as managing our portfolio for returns. We call it going from an accumulation phase to an income and distribution phase. When we're younger and have a longer time horizon we should work to accumulate, but when we're five years out from retirement or in retirement we should be in an income and distribution phase. The later goal being figuring out how to make our funds last as long as possible.So, this begs the question. What is your strategy for managing your risk in retirement? If you don't have one, we'd be happy to talk with you to share how we help our clients manage their downside exposure.Do you have a question? Would you like to learn more? EmailConnect@ClientsExcel.com or call 864.641.7955. Investment advisory services offered only by duly registered individuals through AE Wealth Management, LLC (AEWM). AEWM and Clients Excel, LLC are not affiliated companies. Investing involves risk, including 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 insuring 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 particular needs of an individual's situation. Clients Excel 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 Clients Excel. The use of logos and/or trademarks of podcast hosting sites are the property of their respective owners and are not an endorsement by those owners of our firm or our program.

With inflation at 40-year highs some seniors feel this year's big cost of living increase in Social Security is falling short. Yahoo Finance had an article last week that said, “According to a new survey by the Senior Citizens League, 54% of older Americans think the 8.7% increase in the Social Security cost-of-living adjustment (COLA) this year won't keep up with inflation.”What's troubling is that the government's rapid interest rate increases over the last year have done little to slow inflation. The latest government reports reveal inflation is remaining elevated at 6.4%. The government has stated they are resolved to bring inflation levels down to the 2% range, which means we have a long way to go at our current rate. It's a juggling act. The economy has continued to grow despite the rate increases which is a problem for the government. The Federal Reserve is attempting to not break the economy, and get inflation lowered. Interestingly, for the first time in recent memory the government is on the other side of the table from investors like you and me. Generally, the government is trying to keep the economy going and the stock market growing. AARP reports, “Nearly half (48 percent) of households headed by someone 55 and older lack some form of retirement savings, according to the latest estimates by the U.S. Government Accountability Office.”So, the government is now on the side of the table of folks with little to no savings. What I mean by this is the government is trying to lower the cost of things for those most impacted by price increases: those with little savings. We've got a front row seat to see how this plays out.What should you do? Listen in to find out...Do you have a question? Would you like to learn more? EmailConnect@ClientsExcel.com or call 864.641.7955. Investment advisory services offered only by duly registered individuals through AE Wealth Management, LLC (AEWM). AEWM and Clients Excel, LLC are not affiliated companies. Investing involves risk, including 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 insuring 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 particular needs of an individual's situation. Clients Excel 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 Clients Excel. The use of logos and/or trademarks of podcast hosting sites are the property of their respective owners and are not an endorsement by those owners of our firm or our program.

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

When we age into the time we can claim Social Security the temptation is strong to get the money as soon as we can. In fact, most people claim as soon as they can at 62. I get it. I love having extra money in my pocket, but it's important to understand that we may be giving up quite a bit of money.The Wall Street Journal had an article last Sunday about this topic. It said, “A recent study, funded by the Federal Reserve Bank of Atlanta, finds that retirees often give up tens of thousands or even hundreds of thousands of dollars by taking Social Security benefits too early.” The article states that researchers found that 90% of people would benefit from waiting to claim until 70, and this would increase discretionary income spending by 10% or $182,370. Did you ever think that claiming early could be that costly?If you've already claimed, you're not alone. Only 10% of people will wait until age 70. I've found that most people get little to no help with making Social Security decisions. The rules surrounding how to claim are daunting too. It's been estimated that there are 81 age combinations and 567 sets of calculations to determine how and when to claim your Social Security. It's not exactly easy to figure out. In our office we use software to analyze the best claiming strategies. The computer program will show you how you can get the most out of your benefits over your lifetime. Unfortunately, you won't get this help at the Social Security office. Sadly, the government is not equipped to give you advice on how to claim a benefit that you've paid into since you began working. Also, what I find is that most people who come into our office to talk about their Social Security have a financial advisor, and yet that advisor has never given them an objective plan for how to claim their benefits. You have to scratch your head and wonder why. After all, the difference in how we can claim Social Security can be the difference of over a hundred thousand dollars. Making the wrong decision may cost you. If you'd like to get a Social Security report that illustrates how to get the most out of Social Security, please let us know. We can schedule a 15-minute call to get a few details to run the report. We'd be happy to provide this complimentary resource. You can reach us at 864.641.7955.Investment advisory services offered only by duly registered individuals through AE Wealth Management, LLC (AEWM). AEWM and Clients Excel, LLC are not affiliated companies. Investing involves risk, including 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 insuring 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 particular needs of an individual's situation. Clients Excel 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 Clients Excel. The use of logos and/or trademarks of podcast hosting sites are the property of their respective owners and are not an endorsement by those owners of our firm or our program.

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

Tom Siomades, CFA is the Chief Investment Officer of AE Wealth Management. Previously, Tom was the Managing Director of Hartford Funds, overseeing more than $100 billion of assets under management. He is a graduate of the United States Military Academy at West Point and earned a master's degree from Webster University. We pick apart the global economy, including inflation, investment philosophies, The Fed, and US vs China.

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

Today we're joined by Ben Sullivan, CFA® and vice president at AE Wealth Management. Ben will share his thoughts about why the market is down, whether we're heading into a recession, and what could help turn this all around. It's been a tough year, but our goal is to help you thrive in wealth in retirement. Check out today's show to find out how our advice can help your financial future. Here's a little of what you'll learn in this episode: How “perfect storms” can create problems in your finances. (9:08) How the Federal Reserve impacts the stock market. (20:50) If there's any reason to run from bonds right now. (30:35) Read more and get additional financial resources here: http://lifemoneyshow.com  Check out our YouTube channel: https://www.youtube.com/channel/UCPhQ-u12d60Z0HNCwwVubdQ 

Tom Siomades, chief investment officer at AE Wealth Management and Advisors Excel, says that he believes the economy has been in recession for much of this year, and that he sees that ending as soon as the Federal Reserve gets inflation under control, which he expects to happen by early next year. He notes that the pundits calling for recession next year are late to the game; meanwhile, that time frame makes it easier for investors to stay the course with the investment portfolios built during the bull market. Also on the show, Matt Brannon of Clever Real Estate discusses the site's new survey showing that inflation is forcing roughly 40 percent of Americans to change buying habits on everyday goods, but which also highlights ways in which consumers misunderstand how inflation works and how bad the current situation is relative to the past. And in the Market Call, portfolio manager Adam Coons of Winthrop Capital Management discusses exchange-traded funds and the difficulty of finding issues that can be productive "satellites" to a core portfolio now.

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

How to stay ahead of the financial curve in a volatile market - How to convert tax-free money in a down market. In this segment, Summer A. Roberts shares more info about planning for retirement at any age by giving us practical tips and strategies. See video here - https://youtu.be/7EdTQRa-_Ps WHO IS SUMMER? Summer A. Roberts is the CEO of Impact! Partners Financial. Her desire to help others led her to join the family business and her career took off as CEO of Roberts Wealth Management. She has a rich family history of financial advisors. It's in her DNA! Summer continues to advance in her field by always striving to demonstrate excellence and impact her clients. Summer is highly involved in the community she serves, donating her time to numerous non-profit organizations like Make A Wish Foundation. She believes what sets her apart from other financial advisors is her innate, burning desire to leave the world better than how she found it! Impact! Partners 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 Impact! Partners Financial are not affiliated companies. 1244102 – 3/22. SUMMER'S CALL TO ACTION Grab a FREE report to assess where you are financially. Business Website: https://impactpartnersfinancial.com/ LinkedIn: https://www.linkedin.com/in/summerroberts/ GENESIS'S INFO https://genesisamariskemp.net/ CALL TO ACTION Subscribe to GEMS with Genesis Amaris Kemp Channel, Hit the notifications bell so you don't miss any content, and share with family/friends. **REMEMBER - You do not have to let limitations or barriers keep you from achieving your success. Mind over Matter...It's time to shift and unleash your greatest potential. If you would like to be a SPONSOR or have any of your merchandise mentioned, please reach out via email at GEMSwithGenesisAmarisKemp@gmail.com --- Send in a voice message: https://anchor.fm/genesis-amaris-kemp/message Support this podcast: https://anchor.fm/genesis-amaris-kemp/support

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

For today's episode we are going to talk about how inflation can affect your investments. It would be rare for any of us to watch the news and not hear about the current inflation we have going on in the US right now. COVID-19 had a huge impact on our economy since the pandemic began and in this episode we will dive into how inflation is related to our economy and our investments. Tune in to hear more on this episode of When Good Things Happen. IN THIS EPISODE: [02:00] Tom explains and describes inflation in simple terms in relation to our economy [06:00] Pull & push inflation relating directly to supply and demand and how that affects the economy [13:00] Covid relief money and how it has impacted the economy [18:00] Consumer Price Index and how it measures inflation KEY TAKEAWAYS:  We've been through periods of time like this before, but we are all in a different place in our lives. At this point in time we're going to see market volatility. We've seen that so far in 2022, and it's expected to continue. One of the problems we have now, Is that the inflation that we're experiencing is not necessarily naturally occurring. From an investment standpoint, inflation and rising costs and the devaluing of the dollar all create the same kind of problem. The higher costs and the high inflation can be compounded with significant stock market losses, so a conservative approach is probably pretty wise for most. LINKS MENTIONED:Three Bridges Financial Group DISCLOSURE: Three Bridges Financial Group 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 Three Bridges Financial Group 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. Three Bridges Financial Group 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 Three Bridges Financial Group.

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

For today's episode, we are joined by Rachel Pratt, a Johns Creek, GA based Interior Designer and Home Stager. Rachel shares her consultation process and how she navigates both simple and complicated design projects all while helping clients fall in love with their homes. We also discuss how she works with clients that don't know what their personal style is. Whether you just want a small refresh or an entire home remodel, Rachel can help turn your house into your dream home.   IN THIS EPISODE: [03:14] Rachel shares what inspired her to become an interior designer. [05:57] Rachel elaborates on the consultation process for different levels of projects. [10:11] Here is Rachel's process for staging a customer's home to sell. [12:44] Many clients don't actually know what they want. Here is how Rachel helps them discover their design style.   KEY TAKEAWAYS: Many people have looked at the same four walls over the last two years and are probably tired of seeing the same things day in and day out. The money you will spend hiring an interior designer to prep your house to sell is money that you will get back tenfold. Pinterest is a great tool for interior designers. Even if you don't know your personal style, an interior designer will work with you to discover your style. LINKS MENTIONED: www.3bfg.com https://www.instagram.com/rachelprattandco/   BIO:  Rachel is a Johns Creek, GA based Interior Designer and Home Stager. She created her company after multiple friends and neighbors kept asking her for help. Today, she walks clients through the design process and takes the guesswork out of decisions. Rachel is married to G.B. and has three children.   DISCLOSURE: Rachel Pratt and Rachel Pratt & Co. are not affiliated with Three Bridges Financial Group or AE Wealth Management, LLC. Three Bridges Financial Group 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 Three Bridges Financial Group 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. Three Bridges Financial Group 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 Three Bridges Financial Group.

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

For today's episode, we talk about the importance of creating a financial plan for your retirement. Rather than using industry terms, let's build a financial home from the ground up. Every home needs a blueprint, foundation, walls, and a roof, and so do financial plans. Tune in to learn about the strategy phase, how to plan your financial home to suit your needs, and what to do if you have to remodel. It's time to start talking about finances because your future depends on it.     IN THIS EPISODE:  [04:29] You should start planning your retirement with the end in mind and here's why.     [06:14] Why it's important to make a strategy for your retirement needs.   [08:52] Tom builds a financial home and explains each element in financial terms.   [18:50] Here are a few things you need to look at while in the strategy phase of your financial planning.     KEY TAKEAWAYS:  It's important to talk about finances for retirement because it's your future.   Everyone's financial homes look different.   You may have to remodel your financial home every now and again to keep it working for your lifestyle and needs.   Designing a home is more than just planning it out and coming up with a blueprint. Ultimately, you need to start your design with an idea in mind of what you want it to look like when it's finished. The same can be said about a financial plan.     LINKS MENTIONED: LinkedIn www.3bfg.com   DISCLOSURE:  Three Bridges Financial Group 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 Three Bridges Financial Group 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. Three Bridges Financial Group 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 Three Bridges Financial Group.

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?