Podcasts about cpwa

IS CASH KING? BALANCING LIQUIDITY AND GROWTH FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS with Sandy Hornor | CEPS Managing Director, Wealth Management & Executive Manager, BWFA and Tyler Kluge | CFP®, ChFEB℠, CPWA®, CDFA®, CEPS,  Financial Planner, BWFA Episode Details: Cash is often described as either “king” or “trash.” In reality, it can be both—depending on your circumstances. In this episode of Healthy, Wealthy & Wise, BWFA's Sandy Hornor and Tyler Kluge explore when holding cash makes sense and when it may work against your long-term goals. The conversation begins with why cash matters. Having an emergency fund provides peace of mind and flexibility when life delivers the unexpected—medical bills, job loss, or urgent home repairs. Sandy and Tyler discuss how to size an emergency fund, why rules of thumb like “three to six months of expenses” may not fit every situation, and how personal factors such as job stability or income volatility affect the right cash balance. But cash also has drawbacks. For retirees who already have stable income from pensions or Social Security, holding too much in cash can mean missed opportunities for growth. The episode shares real-life examples of families who kept significant wealth in ultra-conservative accounts—only to realize that over decades, inflation would erode their purchasing power and diminish the legacy they hoped to leave to children and grandchildren. Sandy and Tyler emphasize that the right answer depends on goals, timing, and flexibility. They recommend tailoring cash holdings to personal risk tolerance, liquidity needs, and investment horizon. The discussion also touches on practical strategies, such as using money markets, high-yield savings, or laddered CDs to keep funds both safe and accessible. Finally, listeners are reminded that cash needs evolve with life changes—new jobs, growing families, or retirement. Reviewing and adjusting cash reserves regularly is critical to keeping financial plans on track. For more insights, visit BWFA's Financial Planning Services.

Getting audited by the IRS is something we all have to be ready for, and no one looks forward to, but the typical audit experience can be surprisingly straightforward - if you're prepared. Donna and Nathan talk about common audit triggers, how to communicate effectively with the IRS, and what documents you absolutely need to have ready when your number gets pulled. Also on MoneyTalk, how to define your risk tolerance, and Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 9/9/2025. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

You may have heard of the 4% Rule, which suggests 4% as the maximum sustainable rate of withdrawal from your retirement accounts, but over recent years the goal posts have been shifting, leading some to question the validity of this classic rule of thumb. Donna and Nathan discuss how to determine what rate of withdrawal makes sense based on your current and projected cost of living and the importance of building flexibility into your retirement plan. Also on MoneyTalk, the importance of financial literacy for our society. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 9/8/2025; Original Air Date: 1/18/2024. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

At age 18, we are put in a position to make financial decisions that most are not fully prepared for, and a few small mistakes can lead to long-term consequences. Today's special guest, Yanely Espinal, Director of Educational Outreach at Next Gen Personal Finance, has made it her mission to address this problem head on, working with students and educators to promote Financial Literacy in schools and throughout the community. Host: Nathan Beauvais, CFP®, CIMA®, CPWA®; Special Guest: Yanely Espinal; Air Date: 9/5/2025; Original Air Date: 6/2/2023. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

After 3+ decades of MoneyTalk, if we haven't sold you on the importance for saving for retirement, then we're really doing something wrong! But just in case you need more convincing, Donna and Nathan offer 10 reasons to save for retirement, including: Social Security likely won't be enough to live on, people are living longer, new 401K features make saving easier than ever, and more. Also on MoneyTalk, Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 9/4/2025; Original Air Date: 8/11/2023. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

WHAT IS FINANCIAL PLANNING? A COMPLETE GUIDE FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS with Sandy Hornor | CEPS Managing Director, Wealth Management & Executive Manager, BWFA and Tyler Kluge | CFP®, ChFEB℠, CPWA®, CDFA®, CEPS,  Financial Planner, BWFA Episode Details: Financial planning is often confused with investing, estate planning, or tax planning. However, at its core, financial planning is bigger than any one piece—it's the roadmap that helps you reach your life and financial goals with clarity and direction. In this episode of Healthy, Wealthy & Wise, BWFA's Sandy Hornor and Tyler Kluge explain what financial planning truly means. They discuss how a comprehensive plan covers every part of your financial life: budgeting, saving, debt management, investing, insurance, retirement, and estate planning. Together, these elements create a foundation that helps you not only build wealth but also protect it for the future and for your loved ones. Listeners will also learn why financial planning is more than picking investments. It is about setting short-, mid-, and long-term goals and then creating a clear path to achieve them. Sandy and Tyler emphasize starting early, automating savings, and avoiding lifestyle creep. In addition, they highlight how estate planning documents, though often overlooked, play a critical role in protecting family members and ensuring your wishes are honored. Flexibility is another key takeaway. Plans should not remain static. Just as a pilot adjusts course during turbulence, financial plans must adapt to changes in life. Career transitions, shifting markets, or major family milestones may require new strategies. That is why ongoing updates, regular reviews, and professional guidance are essential to staying on track. With more than four decades of experience, BWFA has guided thousands of families as they set goals, manage challenges, and move forward with confidence. This episode offers practical tips as well as reassurance: you don't have to plan alone. Our advisors are here to help you build and maintain a strategy that works. For more insights on financial planning, visit BWFA's Financial Services page

For the past few years we've been adjusting to an unreliable bond market, where alternative approaches to portfolio diversification have become increasingly common. Nathan discusses various categories of liquid alternative investments and how they function differently to achieve portfolio diversification. Also on MoneyTalk, Stock Trivia: Two Truths and a Lie. Host: Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 8/29/2025; Original Air Date: 10/23/2023. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

One of the key features of The One Big Beautiful Bill was a meaningful bump to the amount individuals can deduct from their taxable income, raising the threshold for 0% capital gains. Donna and Nathan discuss which taxpayers will benefit most from this change, and how to factor it into your tax planning. Also on MoneyTalk, lessons from hedge fund manager Stanley Druckenmiller, and Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 8/28/2025. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Getting married is one of the happiest and most exciting moments in life, but after the big day is over, many are unprepared for the transition to jointly managing their financial lives. Donna and Nathan discuss best practices for combining finances and managing shared expenses for newlyweds. Also, on our MoneyTalk Moment in Financial History, Nathan discusses how Capitalism led to the rapid economic progress of the 20th century, but with some unintended consequences. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 8/27/2025; Original Air Dates: 4/18/2024 & 9/18/2024. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

THE EIGHTH WONDER OF THE WORLD - THE QCD! FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS with Sandy Hornor | CEPS Managing Director, Wealth Management & Executive Manager, BWFA and Tyler Kluge | CFP®, ChFEB℠, CPWA®, CDFA®, CEPS,  Financial Planner, BWFA Episode Details: For charitably minded retirees, a Qualified Charitable Distribution (QCD) can be one of the smartest tax strategies available. In this episode of Healthy, Wealthy & Wise, BWFA's Sandy Hornor and Tyler Kluge explain how QCDs allow individuals age 70½ and older to donate directly from an IRA to a qualified charity—with meaningful tax benefits. Listeners will learn how QCDs work, the eligibility rules, and why this strategy often provides more advantages than giving directly from a bank account. For example, donating through a QCD reduces adjusted gross income, which may in turn lower Medicare premiums or reduce the taxable portion of Social Security benefits. Sandy and Tyler also explain how the annual contribution limits apply—$108,000 per person in 2025, or $216,000 for married couples filing jointly. The episode covers important differences between required minimum distributions (RMDs) and QCDs, showing why the two should not be confused. Unlike taking an RMD and then writing a check to charity, a QCD ensures the distribution is never taxed in the first place. This simple distinction can mean substantial savings. Practical guidance is also included. The hosts explain how to properly execute a QCD, why the funds must go directly from the IRA custodian to the charity, and how deadlines affect year-end giving. They also share a timeline for planning—suggesting that clients aim to finalize QCDs well before December to ensure smooth processing. Ultimately, QCDs represent a powerful way to align charitable giving with tax-smart planning. For clients who are both financially secure and charitably inclined, this episode highlights why QCDs are often referred to as the “eighth wonder” of retirement planning. For more on BWFA's approach, visit BWFA's Tax Planning page.

Many investors favor dividends over growth in hopes of living off those payments in perpetuity, but there are some downsides to dividends that can make this strategy less than optimal in the long-term. Donna and Nathan discuss some of the drawbacks of going all in on dividends at the cost of diversification and growth. Also on MoneyTalk, what many people get wrong about social security, and Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 8/26/2025. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Social Security is one of those universal retirement topics that touches just about everyone, and as such, we like to give it its proper attention here on the MoneyTalk show. Nathan covers the information you need to know around Social Security rules, legislation, and the history of the programâs implementation. Also on MoneyTalk, changes to 401(k) catch-up contributions, when target date funds donât make sense for your portfolio, and more. Host: Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 8/22/2025; Original Air Date: 5/10/2024. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

Many people use a home equity line of credit for home renovations and unforeseen liquidity needs, but if you are carrying an old balance on your variable rate HELOC, the current high interest rate environment has not been friendly to you. Donna and Nathan discuss options for managing variable rate home equity loan balances, and strategies for paying down other forms of high interest debt. Also on MoneyTalk, Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 8/21/2025; Original Air Date: 4/4/2024. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

One of the many tools used during the financial planning process is the Monte Carlo simulation, which uses historical and personal financial data to predict the probability of certain outcomes in retirement. Nathan discusses how advisors use statistical analysis to help clients plan for retirement, and how the quality of the data you put in can mean the difference between success and failure. Also, on our MoneyTalk Moment in Financial History, Nathan and Daniel cover the birth of communism during the Russian Revolution, and the economic collapse that followed. Host: Nathan Beauvais CFP®, CIMA®, CPWA®; Special Guest: Daniel Sowa; Air Date: 8/20/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

With the passing of the SECURE Act 2.0, the IRS age trigger for required minimum distributions has been raised to 73, but as we all know, Uncle Sam always gets his cut, so having a strategy is critical. Donna and Nathan discuss RMD planning, and how to use the rules to your maximum benefit. Also on MoneyTalk, Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 8/19/2025; Original Air Date: 10/15/2024. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

The reverse mortgage has been shrouded in controversy and misunderstanding due to some early abusive sales tactics and its highly vulnerable target market, but when used under the right circumstances, the reverse mortgage can be a game changer. Donna and Nathan have a conversation with reverse mortgage expert, Garrett Duffy, to explain how reverse mortgages work, and who should and shouldn't consider one as part of their retirement income plan. This material is intended for informational educational purposes only and should not be construed as investment advice, a solicitation, or a recommendation. Reverse mortgages are subject to risk, including possible foreclosure, high fees, and interest payments, and they may negatively affect your eligibility for various state and federal benefits. Please contact your financial professional for more information specific to your situation. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Special Guest: Garrett Duffy, Supreme Lending; Air Date: 8/15/2025; Original Air Date: 10/27/2023. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

That stretch of time leading up to retirement is a critical period when your strategic retirement plan gets accelerated to get you past the goal line, and how you choose to focus your efforts and resources will make all the difference. Donna and Nathan run through some of the challenges and key decisions that youâll face from ages 50 to 65 as you position yourself for the big transition. Also on MoneyTalk, Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 8/14/2025; Original Air Date: 5/23/2023. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

Joseph Blackman introduced Randy Pitz, who discussed CPWA board term changes, the Manitoba chapter's membership challenges and initiatives, and strategies for engaging members and public works operators. Randy Pitz also detailed his national board activities, career path, and the importance of public perception and mentorship in the public works sector. Give the show a listen and remember to thank your local Public Works Professionals.

Retirement has the potential to make up 1/3 of your life, so naturally your experience will change as you pass through its various phases. Nathan discusses how we evolve through the three phases of retirement, and what we can do to prepare ourselves along the way. Also, on our MoneyTalk Moment in Financial History Nathan and Daniel tell the story of Alexander Hamilton and The Whiskey Rebellion. Host: Nathan Beauvais CFP®, CIMA®, CPWA®; Special Guest: Daniel Sowa; Air Date: 8/13/2025; Original Air Date: 6/26/2024. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

How you choose to draw on your retirement assets can make a big difference in your overall tax liability, so unless you're feeling charitable towards the US government, having a strategy is critical. Donna and Nathan discuss the order in which you withdraw from your retirement accounts, and some actions you can take in the years leading up to retirement to help you benefit from more of your hard earned income. Also on MoneyTalk, Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 8/12/2025; Original Air Date: 6/20/2024. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

For as long as we've had written history, money has held three important functions in our society: as a medium of exchange, a unit of account, and a store of value. But that last function has come under pressure over time due to the presence of inflation. Nathan discusses how our understanding of money has evolved over the millennia, and why it matters for our future. Also on MoneyTalk, what to look for when researching mutual funds. Host: Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 8/8/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

There are few periods in the 20th century that were more impactful to the global economy than the Iranian oil crisis and the revolution that followed. On this edition of our MoneyTalk Moment in Financial History, Nathan and Daniel tell the story of how Iran seized control of their oil industry from the British, and the ripple effects that it caused across the globe. Host: Nathan Beauvais CFP®, CIMA®, CPWA®; Special Guest: Daniel Sowa; Air Date: 8/6/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

Mark Twain famously said, “There are lies, damn lies, and statistics“, and while it's true that numbers are often used creatively to benefit one party or another, statistics are one of the primary tools of a functioning society. Donna and Nathan walk us through some of the critical elements of our daily lives that rely on statistics, and why the firing of the head of the Bureau of Labor Statistics has garnered so much negative attention. Also on MoneyTalk, lessons from famed investor, Ray Dalio, and Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 8/7/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

Back when most people earned pensions, retirement planning was pretty straightforward, but as soon as the 401(k) shifted the responsibility to the worker, mistakes were inevitable. Donna and Nathan cover some of the common mistakes they see people make with their 401(k). Also on MoneyTalk, saving for your non-retirement needs, and Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 8/5/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

We often talk about the importance of promoting financial literacy in our society, but sometimes it can be hard to know where to look for good content. Nathan offers highlights from two books that offer valuable insights on managing money: Ben Carlson's “Don't Fall For It: A Short History of Financial Scams”, and Scott Patterson's “Chaos Kings: How Wall Street Traders Make Billions in the New Age of Crises”. Also on MoneyTalk, why many companies today choose to stock buybacks over paying dividends. Host: Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 8/1/2025; Original Air Dates: 7/19/2023, 8/23/2023 & 4/10/2024. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

Each year on Black Friday American shoppers spend billions of dollars on goods, but what you may not know is that the original black Friday was anything but a boon for the economy. On this edition of our MoneyTalk Moment in Financial History, Nathan covers the events of Black Friday 1869, the historic market crash driven by plummeting gold prices, and the greed and ambition of one of the wealthiest and most infamous characters of the time, Jay Gould. Host: Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 7/30/2025; Original Air Date: 8/14/2024. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

Buying a single family home today is harder than ever, and one reason is the increase in corporate investors coming to the table with cash to flip or acquire these homes as rental property. Donna and Nathan discuss how competition from corporate investors is making home ownership nearly unattainable for first-time buyers, and measures that some state governments are taking to attempt to even the scales. Also on MoneyTalk, common IRA misconceptions, and Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 7/29/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

GuestJulina Ogilvie, CIMA®, CPWA®, CEPA®Partner | Wealth AdvisorPrinciple Wealth Author & Host Money Confident Girls Book & Podcast Firm Websitehttps://www.principlewealthpartners.com/Firm AUM $2.5BBio:Julina manages wealth for high-net-worth individuals and families in addition to guiding successful advisors through the firm's succession planning strategy. Prior to joining Principle Wealth Partners, Julina held executive roles at J.P. Morgan Asset Management and Lord Abbett & Co. In these roles, she used her extensive knowledge of the capital markets to educate the country's top advisors.Julina is an accomplished speaker and strategist who has presented wealth management concepts to thousands of financial professionals and clients. She has been recognized for her outstanding achievements and serves as a mentor for young women entering the business. With a passion for financial literacy she created a podcast, Women On Wealth, to empower women on financial concepts. Additionally, she authored Money Confident Girls: A Parents Roadmap to Raising Financially Confident Children (From Toddlers to Teens), further solidifying her commitment to fostering financial competence from an early age.Julina resides in Fairfield, CT with her husband Doug, their daughters Kaylin and Sidney, and two dogs Mudd and Sierra. She currently sits on the Ethics Board of the Investments & Wealth Institute, serves as VP of Finance at the Westport Women's Club, and sits on the Board of Directors at River House Adult Day Center. Julina is an avid skier and triathlete whom qualified for the lronman World Championship in 2024.Disclaimer: The information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. The statements and opinions expressed in this podcast are those of the author. PWP cannot guarantee the accuracy or completeness of any statements or data. For current PWP information, please visit the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with PWP's CRD #290180.

John Owens CFP®, EA, ECA, CPWA® and Ed Zolotarev CPA, MST, CFP® fill in for AJ and Shane on this milestone 150th episode of The Liquidity Event. FICO (Fair Isaac Corporation) is finally figuring out what to do about your outstanding Klarna loans. We discuss how “buy now, pay later” services might soon impact your credit score.   TLDR: It probably isn't the best idea to finance your DoorDash order over 4 months. Plus, alternative investments are getting a lot of attention right now.  Why are private equity firms suddenly sliding into your DMs?  We examine the dry IPO market as one of the root causes. Then a Reddit question: how many kids should you have from a financial perspective?  Finally, our biggest takeaways from the first half of 2025. Key Timestamps: (6:25) FICO's buy now, pay later integration rollout (9:30) Why financing experiences is financial quicksand (12:20) Ed's Affirm baby monitor financing experiment (15:56) Alternative investments moving down market (19:20) Why the IPO drought is forcing PE firms to get creative (24:10) Reddit question: How many kids should you have? (29:25) First half of 2025 takeaways

Why This Episode Is a Must-Listen Today's retirees face more uncertainty than ever: market swings, inflation, and the disappearance of traditional pensions. In this episode of Inspired Money, host Andy Wang brings together four of the leading voices in retirement planning for a candid, practical conversation—one that moves beyond “rules of thumb” to reveal actionable ways to create reliable income and lasting peace of mind for your retirement years. If you want clarity in your retirement income plan, ideas to maximize your savings, or strategies for a fulfilling next chapter, this episode is packed with the real-world wisdom you need. A Word From Our Sponsor If you're looking for a standing desk to improve your posture, comfort, and overall work setup, I highly recommend the Ergonofis Sway Desk—it's beautifully designed, incredibly sturdy, and sustainably made. Check it out at my affiliate link: inspiredmoney.fm/standingdesk (I may earn a commission if you make a purchase, at no extra cost to you.) Meet the Expert Panelists Jamie Hopkins, Esq., LLM, MBA, is the Chief Wealth Officer at WSFS Bank and Chief Executive Officer of Bryn Mawr Capital Management. A nationally recognized retirement planning expert, Jamie has dedicated his career to improving financial security for Americans through leadership roles in wealth management, financial education, and nonprofit advocacy. He is the founder and president of the FinServ Foundation, a nonprofit focused on expanding access to financial services careers. With a background in law, finance, and academia, Jamie brings a multidisciplinary approach to helping individuals and institutions build sound retirement income strategies. www.jamiehopkins.com www.bmt.com  Dana Anspach, CFP®, RMA®, is the founder and CEO of Sensible Money. She's dedicated her career to helping people create sustainable retirement income plans. She's the author of "Control Your Retirement Destiny" and "Social Security Sense." Dana's hands-on experience makes her a wealth of practical knowledge. https://www.sensiblemoney.com  Kerry Hannon is a nationally recognized workplace futurist, personal finance expert, and best-selling author who has spent over three decades guiding Americans—especially midlife professionals and women—through career transitions, entrepreneurship, and retirement planning. Her forthcoming book, Retirement Bites: A Gen X Guide to Securing Your Financial Future—now available for pre-order on Amazon—offers empowering, practical advice to help the overlooked generation take charge of their next chapter with confidence and purpose. https://kerryhannon.com   Roger Whitney, CFP®, CIMA®, CPWA®, AIF®, the "Retirement Answer Man," is a Certified Financial Planner with 27+ years in finance. Author of "Rock Retirement" and founder of the Rock Retirement Club, he's also the voice behind the popular Retirement Answer Man podcast that has over 8 million downloads. https://www.rogerwhitney.com Key Highlights: Retirement Isn't Just About Maximizing Returns—It's About Reliable Income and Peace of Mind Dana Anspach reminds us: “A good retirement plan shouldn't be tied to where that pogo stick is on its trajectory. It's one that focuses on stability of cash flows over time.” The panel discusses why shifting your mindset from maximizing account balances to managing sustainable cash flow is key to peace of mind. Work, Entrepreneurship, and Purpose Play Critical Roles in a Modern Retirement Kerry Hannon points out that working longer—whether through career extension, entrepreneurship, or passion projects—can boost both financial security and life satisfaction. “How can you continue to work longer? It's a dramatic way to give yourself some security in retirement if you can stay working longer.” The episode explores creative ways Gen X and boomers are redefining "retirement." There's No One-Size-Fits-All: Frameworks vs. Rules Roger Whitney insists that “the answer to almost every question...is ‘It depends'.” No single formula fits everyone; a personalized, evolving plan that balances what you want out of life with practical financial strategies is essential. The episode delves into why regular reviews and customized “guardrails” are more important than rigid withdrawal rules. Guardrails, Buckets, and Behavioral Coaching Are More Vital Than Ever Jamie Hopkins and Dana Anspach review popular strategies like bucket and guardrails approaches, emphasizing that tools and behavioral coaching work best when tailored to each retiree's unique needs and anxieties. Jamie also warns about new financial threats: “I think that fraud...is going to become rampant. It's the biggest concern out there...it's a big concern.” Call-to-Action If you've been feeling uncertain about your own retirement income plan, here's your assignment for the week: Take 30 minutes to map out your expected sources of income in retirement—pensions, Social Security, savings, investments—and identify any potential gaps. Just getting it on paper can give you clarity and a starting point to make smarter, more confident decisions.  Thanks for tuning in to Inspired Money. Keep learning, stay intentional, and as always—be inspired to take action.  Find the Inspired Money channel on YouTube or listen to Inspired Money in your favorite podcast player. Andy Wang, Host/Producer of Inspired Money

They're good dogs, especially when Kasey Labelle joins us to share her lifelong connection with puppies. She recounts her childhood with two family dogs before introducing Rhino, her beloved blue nose pitbull who chose her when he was just three weeks old and remained her companion for nearly 15 years. Kasey discusses how she's coped with Rhino's passing by becoming a dog walker, speaks passionately about the misconceptions surrounding pitbulls, and shares how Rhino's loving personality challenged those stereotypes. She also offers thoughtful advice for potential dog owners, emphasizing the importance of viewing dogs as family members and the different factors to consider when choosing the right dog.Guest BioKasey Labelle, CPWA (she/her) is a UX and design engineering leader with a passion for design systems and accessibility. In her current role as a Design Architect at iSeatz, she's leading the evolution of a design system that powers a white-label travel loyalty platform. Previously, she built and led the multi-disciplinary design system team and accessibility program at Boston Scientific, establishing 0-1 and 1-n strategies and serving as a player-coach. In her downtime, you can find her at the beach, an art museum, concert, or game night; walking dogs; obsessing over spreadsheets; traveling; or attending fine arts and crafts workshops with friends.LinksKasey's website: kaseyllabelle.comKasey on LinkedIn: linkedin.com/in/kaseyllabelleCreditsCover design by Raquel Breternitz.

Send us a textOn the latest episode of The Get Ready Money Podcast, I spoke with Chad Holmes, Author and Owner of Formula Wealth about changing the way we think about money and creating an inheritance playbook.In this episode we discussed:Proactively planning together with the next generation maximizes financial legacies (include all generations).Pay attention to your clients - ask them what questions do you have? Tailor your conversations to your clients. The earlier we can have conversations with our parents/partners, the better things can go.Hiring an advisor is an investment - the value received should exceed the investment.Money should not be taboo.Connect with Chad Holmes:Formula Wealth Website (here)LinkedIn (here)Facebook (here)Instagram (here)YouTube (here)Books: The Inheritance Playbook: Helping Your Parents Pass the Torch, Not the Tax (here)Resources mentioned:Mom and Dad, we need to talk by Cameron Huddleston (Amazon) Putting a value on your value: Quantifying Advisor's Alpha - Vanguard Study (here)The Power of Compound Interest - The Get Ready Money Podcast episode (here)Bio: Chad Holmes, CFP®, CPA, CPWA® runs a boutique financial planning firm out of Fairhope, AL, serving families nationwide as a flat fee financial advisor (no commissions or sales products), focusing on minimizing taxes and maximizing legacies from a multigenerational perspective. As an expert in his field, his advice has been published in various outlets, including The Wall Street Journal, MarketWatch, and Yahoo Finance. Chad is both a CPA and CFP® fiduciary. His latest accomplishment is becoming a bestselling author with his new book, The Inheritance Playbook – Helping Your Parents Pass the Torch, Not the Tax.Support the showThe Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer.

FEDERAL EMPLOYEES CONSIDERING VERA OR VSIP FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS with Sandy Hornor | CEPS Managing Director, Wealth Management & Executive Manager, BWFA and special guest Tyler Kluge | CFP®, ChFEB℠, CPWA®, CDFA®, CEPS,  Financial Planner, BWFA

When it comes to preparing for retirement, most people focus on the obvious goals of saving enough and building an emergency fund. But in this episode of Money Wisdom, Jake Doser, CFP®, CPWA® and Nicholas J. Colantuono, CFP® explore the deeper, often overlooked financial goals that truly make or break your retirement experience. It's not just about hitting a magic number. It's about assigning purpose to each dollar you've saved. Proper planning goes well beyond investments to include things like tax strategies, income planning, healthcare expenses, gifting, legacy planning, and even how you'll spend your time. If you're wondering what you might be missing as you approach retirement, join us as we answer Here's what we discuss in this episode:

Establishing a solid relationship with a financial advisor is crucial for effective planning, but what does that look like in practice? Jake Doser, CFP®, CPWA® and Nicholas J. Colantuono, CFP® discuss the essential role that communication plays in the client-advisor relationship to help set expectations for the planning process. We received this question recently and wanted to open up the conversation so everyone can glean a little information from it. We'll pull back the curtain on what ongoing communication looks like at Johnson Brunetti, with clients typically receiving ongoing education, quarterly events, newsletters, market updates, and in-depth reviews once or twice a year.  Plus, we'll explain why meeting too frequently might not be a good thing and give you a few red flags to watch for. Here's what we discuss in this episode:

Long-term care planning is a significant concern for individuals approaching retirement because it's an expense most people aren't prepared for. Trying to prepare for it with insurance isn't cheap, and people often ask us if it's worth it. In this episode of the Money Wisdom podcast, Jake Doser, CFP®, CPWA® and Nicholas J. Colantuono, CFP® tackle this pressing issue by answering a listener's question about long-term care insurance and the options available. Here's what we discuss in this episode: 0:00 – Today's question 1:39 – Reason it's expensive 3:39 – Long-term care options 6:48 – Where is long-term care on the priority list? 9:18 – Final thoughts   Our website: https://johnsonbrunetti.com/ Phone: 800-208-7233 Contact our team: https://johnsonbrunetti.com/contact-us/   Get your customized Money Map: https://johnsonbrunetti.com/your-money-map/#form Join us for our next financial workshop: https://johnsonbrunetti.com/financial-workshops/ Check out our other no-cost financial resources here: https://johnsonbrunetti.com/financial-resources/   Check us out on YouTube: https://bit.ly/3CcAzai

Preparing for required minimum distributions (RMDs) can be quite unsettling when you know withdrawals are coming and the IRS will be waiting. In this episode of the Money Wisdom podcast, we're going to answer a question about what you can do from a planning standpoint when large RMDs are coming in retirement.   This situation highlights a common issue: retirees often find themselves in higher tax brackets due to large mandatory withdrawals, reducing their financial flexibility. So what are the strategies you can utilize to manage your tax requirements? Jake Doser, CFP®, CPWA® and Nicholas J. Colantuono, CFP will take you through some of the strategies today. Here's what we discuss in this episode: 0:00 – Today's question 1:05 – What to know about RMDs 4:13 – Income planning 8:49 – Tax planning   Our website: https://johnsonbrunetti.com/ Phone: 800-208-7233 Contact our team: https://johnsonbrunetti.com/contact-us/   Get your customized Money Map: https://johnsonbrunetti.com/your-money-map/#form Join us for our next financial workshop: https://johnsonbrunetti.com/financial-workshops/ Check out our other no-cost financial resources here: https://johnsonbrunetti.com/financial-resources/   Check us out on YouTube: https://bit.ly/3CcAzai    

A health savings account can be an incredibly powerful tool for tax-advantaged savings but not every health plan includes that option. Is it worth switching your plan for one that allows you to contribute to an HSA? In the latest episode of Money Wisdom, Jake Doser, CFP®, CPWA® and Nicholas J. Colantuono, CFP®  tackle a listener's question about HSAs and walk you through a few of the things you need to know before you switch plans. With rising health care costs and the complexities of health insurance, understanding HSAs and whether they are the right choice for you is crucial. Here's what we discuss in this episode: 0:00 – Today's question 0:53 – What is an HSA? 2:09 – Qualifying for HSA 3:14 – Something to keep in mind 4:22 – Which health plan is right for you? 6:39 – Investing in HSA   Our website: https://johnsonbrunetti.com/ Phone: 800-208-7233 Contact our team: https://johnsonbrunetti.com/contact-us/   Get your customized Money Map: https://johnsonbrunetti.com/your-money-map/#form Join us for our next financial workshop: https://johnsonbrunetti.com/financial-workshops/ Check out our other no-cost financial resources here: https://johnsonbrunetti.com/financial-resources/   Check us out on YouTube: https://bit.ly/3CcAzai    

Episode 249FACULTY: Shane Mason, CPA/CFPCLASS: #ShoperationsJoin us in this Shoperations episode as we learn from Shane Mason of Brooklyn FI and his venture into software. Shane shares insights into the company's growth, handling rapid expansion, and the importance of predicting the future over dwelling on the past. Discover how Brooklyn FI is navigating industry shifts, introducing new partners, and staying ahead with innovative solutions like Gemifi. Perfect for students and professionals eager to learn about financial planning, startup struggles, and the evolving landscape of tech-driven advisory services.

Most people want to know how they stack up to other people as they approach retirement, which is why people often ask about the average age most people decide to retire. We work with people across different states and regions, so we see a range of ages. In the latest episode of the Money Wisdom podcast, Jake Doser, CFP®, CPWA® and Nicholas J. Colantuono, CFP® share their personal experiences from the planning process and explain why comparisons don't provide the right perspective for retirement. Here's what we discuss in this episode: 0:00 – Today's question 1:05 – Boston clients 2:10 – Connecticut clients 3:17 – Different ages that matter 6:00 – Managing this period of life   Our website: https://johnsonbrunetti.com/ Phone: 800-208-7233 Contact our team: https://johnsonbrunetti.com/contact-us/   Get your customized Money Map: https://johnsonbrunetti.com/your-money-map/#form Join us for our next financial workshop: https://johnsonbrunetti.com/financial-workshops/ Check out our other no-cost financial resources here: https://johnsonbrunetti.com/financial-resources/   Check us out on YouTube: https://bit.ly/3CcAzai    

One of the primary concerns for individuals nearing retirement is the desire to be debt-free. While this is a noble goal, it raises several questions about financial strategy, liquidity, and credit scores. While being debt-free may feel like a significant milestone, it is crucial to consider the broader financial picture. In the latest episode of the podcast, Jake Doser, CFP®, CPWA® and Nicholas J. Colantuono, CFP® discuss the various aspects of debt management and its implications on retirement planning. Here's what we discuss in this episode: 0:00 – Today's question 0:54 – Considerations 2:57 – Do you need to be debt free? 5:44 – Credit score   Our website: https://johnsonbrunetti.com/ Phone: 800-208-7233 Contact our team: https://johnsonbrunetti.com/contact-us/   Get your customized Money Map: https://johnsonbrunetti.com/your-money-map/#form Join us for our next financial workshop: https://johnsonbrunetti.com/financial-workshops/ Check out our other no-cost financial resources here: https://johnsonbrunetti.com/financial-resources/   Check us out on YouTube: https://bit.ly/3CcAzai    

In today's fast-paced world, job security can often feel like a fragile concept, especially for those in their 50s. In this episode of the Money Wisdom podcast with Jake Doser, CFP®, CPWA® and Nick Colantuono, CFP®, address a listener's concern about preparing for potential layoffs and talk about steps to take if you're facing similar uncertainties. Here's what we discuss in this episode: 0:00 – Today's question 1:05 – Initial checklist 2:26 – Why things change in your 50s 4:18 – Changing your saving strategies 5:18 – Retirement planning considerations 7:48 – Final Thoughts   Our website: https://johnsonbrunetti.com/ Phone: 800-208-7233 Contact our team: https://johnsonbrunetti.com/contact-us/   Get your customized Money Map: https://johnsonbrunetti.com/your-money-map/#form Join us for our next financial workshop: https://johnsonbrunetti.com/financial-workshops/ Check out our other no-cost financial resources here: https://johnsonbrunetti.com/financial-resources/   Check us out on YouTube: https://bit.ly/3CcAzai    

Join AJ Ayers, CFP®, EA, CEP, and John Owens, CFP®, EA, ECA, CPWA® as they dive into the biggest financial headlines of early 2025, from AI market shakeups to real estate trends and credit score strategies. Plus, they tackle a listener question about luxury car decisions when you've "made it." Key Moments: 0:36 - Welcome & 2025 check-in 5:42 - Deep Seek's AI breakthrough and market impact 12:01 - Making sense of market headlines and volatility 15:06 - Credit score gaming: privilege and problems 19:37 - Denver's rental market "plunge" explained 22:52 - Reddit Question: $6M net worth car buying dilemma Watch for insights on: How AI developments are affecting the market Why credit score systems may need reform Real estate market cycles Luxury car buying vs leasing debate Don't forget to like, subscribe, and leave your questions in the comments! New episodes every Friday. #FinancialAdvice #AINews #PersonalFinance #StockMarket #TechNews #MoneyTips  

With more people getting divorced later in life, blended families are common, and it leads to additional conversations involving planning. One of the things that need to be addressed when someone remarries is the estate plan, particularly the beneficiaries. Do you need to make changes or can you just let your will take care of your needs? In this episode of the Money Wisdom podcast with Jake Doser, CFP®, CPWA® and Nick Colantuono, CFP®, we'll answer a question from someone in this position who doesn't want to go through the hassle of updating all their estate documents but wants to change beneficiaries. Here's what we discuss in this episode: 0:00 – Today's question 1:05 – Estate planning conversations 3:06 – Issues with not updating beneficiaries 5:04 – Important conversations   Our website: https://johnsonbrunetti.com/ Phone: 800-208-7233 Contact our team: https://johnsonbrunetti.com/contact-us/   Get your customized Money Map: https://johnsonbrunetti.com/your-money-map/#form Join us for our next financial workshop: https://johnsonbrunetti.com/financial-workshops/ Check out our other no-cost financial resources here: https://johnsonbrunetti.com/financial-resources/   Check us out on YouTube: https://bit.ly/3CcAzai        

A key aspect of planning is finding ways to be as efficient as possible with your money and one great example of that is charitable giving. It's something that many people care a lot about and if we can help them do that with more efficiency, it's a win-win for everyone. That's why this episode of the Money Wisdom podcast with Jake Doser, CFP®, CPWA® and Nick Colantuono, CFP®, is all about donor advised funds and qualified charitable distributions (QCDs). These financial tools are gaining attention for their ability to offer significant tax benefits while enhancing charitable giving and we'll break down what you need to know. Here's what we discuss in this episode: 0:00 – Intro and question 0:42 – Defining donor advised funds 2:00 – When would you use this? 4:54 – QCDs Join us for our next financial workshop to learn about these strategies and more. Text WORKSHOP to 800-757-0436 to reserve your spot today. Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/ Contact our team: https://johnsonbrunetti.com/contact-us/  Check us out on YouTube: https://bit.ly/3CcAzai    

With retirement approaching, many couples are faced with the challenge of aligning their financial goals without the traditional framework of marriage. In the latest episode of the Money Wisdom podcast, Jake Doser, CFP®, CPWA® and Nick Colantuono, CFP® address the challenges and planning needs for couples who aren't married but still want to maintain a shared interest in their financial success. Here's what we discuss in this episode: 0:00 – Intro and question 1:04 – Joint planning 2:37 – Financial benefits of marriage 5:16 – Investment planning   Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/ Contact our team: https://johnsonbrunetti.com/contact-us/  Check us out on YouTube: https://bit.ly/3CcAzai  

Everyone wants to find the right mix of investments, but it's easy to become over-concentrated in a specific asset. Real estate investors will often run into this dilemma as property values rise and home equity increases.  In this show, Jake Doser, CFP®, CPWA® and Nick Colantuono, CFP® will answer a question about how much real estate is too much and how should you start shifting investments as you approach retirement. Here's what we discuss in this episode: 0:00 – Intro and question 0:57 – First step 2:53 – What are your retirement needs? 4:38 – Over-concentration 6:09 – Numbers to address   Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/ Contact our team: https://johnsonbrunetti.com/contact-us/  Check us out on YouTube: https://bit.ly/3CcAzai

Download Chris's FREE E-Book on “How To Find Ultra High Net Worth Clients" from ⁠https://UHNWC.com/⁠ Trey Smith, CFP®, ChFC®, CIMA®, CPWA®, CRPC®, is a Financial Advisor and the Senior Managing Director at Truist Wealth with 25 years of experience and $1.1 billion in assets under management. Trey shares his journey in wealth management, highlighting pivotal career moments and his client-first philosophy. He emphasizes the importance of trust, financial coaching, and uncovering blind spots for clients. In this episode, Chris and Trey discuss: 1. Succession Planning 2. Building a Legacy 3. Handling Client Relationships 4. Forward-thinking Financial Strategies LinkedIn: https://www.linkedin.com/in/treysmithcfp Website: https://www.truist.com/ https://www.truist.com/finder/wealth/the-smith-group-of-truist-investment-services-inc-nashville-tn-37203 Maximize your marketing, close more clients, and amplify your AUM by following us on: Instagram: ⁠https://instagram.com/ultrahighnetworthclients ⁠ TikTok: ⁠https://tiktok.com/ultrahighnetworthclients ⁠ YouTube: ⁠https://www.youtube.com/@uhnwc⁠ Facebook: ⁠https://www.facebook.com/UHNWCPodcast⁠ Twitter: ⁠https://twitter.com/uhnwcpodcast ⁠ iTunes: ⁠https://podcasts.apple.com/au/podcast/ultra-high-net-worth-clients-with-chris-brodhead/id1569041400⁠ Spotify: ⁠https://open.spotify.com/show/4Guqegm2CVqkcEfMSLPEDr⁠ Website: ⁠https://uhnwc.com ⁠ Work with us: ⁠https://famousfounder.com/fa ⁠ DISCLAIMER: This content is provided by Chris Brodhead for the general public and general information purposes only. This content is not considered to be an offer to buy or sell any securities or investments. Investing involves the risk of loss and an investor should be prepared to bear potential losses. Investment should only be made after thorough review with your investment advisor considering all factors including personal goals, needs and risk tolerance.

Episode 234 FACULTY: Matt Kidd, CPA CLASS: #Shoperations In this throwback to Sons of CPAs, Scotty chats it up with Matt about his two CPA brothers, diving into how they each built successful practices, inspired by their CPA father. They talk about managing and transitioning CPA firms, incorporating wealth management, modernizing traditional practices, tax season, and client relationships. Tune in for a comprehensive view on growing a client-centric, million-dollar CPA practice, with insights on practical strategies and overcoming challenges in the accounting profession.

Andy chats with fellow retirement planner Roger Whitney, CFP®, CIMA®, CPWA® from The Retirement Answer Man podcast. In this episode they talk about a wide array of retirement planning topics such as tax planning, investing, annuities, how to help advise people get over the hurdle of not wanting to spend their money, what consumers often overlook in retirement planning and much more!Links in this episode:Roger's website - The Retirement Answer ManBronnie Ware's book - The Top Five Regrets of the DyingRoger's workbook of info and questions about - Finding a Trusted AdvisorTo send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.comTenon Financial monthly e-newsletter - Retirement Planning InsightsFacebook group - Retirement Planning Education (formerly Taxes in Retirement)YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.com