Podcasts about expert panelist

David Macknin is the Principal of ChicagoRisk, a company that helps businesses, nonprofits, and individuals identify evolving risks and emerging challenges. David is also the President of The Owens Group, Inc., an insurance and risk management company. Previously, he was an Expert Panelist for FilmUtah, the President of Alper Services LLC, and the Executive Vice President for JMB Insurance. In this episode… Great leaders are focused, flexible, and put the health and well-being of their team at the forefront of the company. As David Macknin points out, there are so many different ways to manage a company, but there's one common denominator: your people. However, one experience showed David how not to be a leader — and why it's so important to have a strong, valued team.  The founder and former CEO of Alper Services was controlling. He didn't know how to let go and bring in other strong leaders, and David witnessed this within the first 60 seconds of seeing the company. The founder micromanaged David on how to park his car, and from that point on, David knew exactly how the business was run. So, what did it take for David to replace the leadership team and restore harmony at Alper Services?  Find out on this episode of the Talent Wins podcast, where Chris Mursau is joined by David Macknin, Principal at ChicagoRisk and President of The Owens Group, Inc. David talks about his journey managing the Alper Services team and making leadership changes, the mistakes he made and lessons he learned along the way, and the people that are inspiring him to become the best leader possible.  Resources Mentioned in this episode Chris Mursau on LinkedIn Topgrading on LinkedIn Topgrading David Macknin on LinkedIn ChicagoRisk The Owens Group, Inc. Scaling Up: How a Few Companies Make It…and Why the Rest Don't by Verne Harnish Craig Groeschel

Reverse Mortgages with David Tourtillott, CRMP®, and Wade Pfau, Ph.D. Part 1 of 2 This week, join Alyssa McNamara Reed, CFP® and her guests David Tourtillott, CRMP®, a Certified Reverse Mortgage Professional, and Wade D. Pfau, Ph.D., CFA®, RICP® as they discuss Reverse Mortgages and how they might fit into your financial plan. Alyssa McNamara Reed, CFP® is a financial planner with a passion for the intersection of taxes and investing.  Alyssa works with motivated savers, beneficiaries of estates, business owners, divorcees, and pre-retirees. David Tourtillott, CRMP® is well known throughout the reverse mortgage industry and is currently one of only 185 CRMP® (Certified Reverse Mortgage Professional) nationwide. David has been educating retirees on all aspects of Reverse Mortgages since 2005. David specializes exclusively in reverse mortgage finance. David is a member of the National Reverse Mortgage Lenders Association (NRMLA) and adheres to their strict Code of Ethics and Best Practices Policy. David sits on the Money Management Advisory Board at South Shore Elder Services. David is a proud member of the National Association of Senior Advocates. You can find David Tourtillott, CRMP® online at: https://www.homesteadreversemortgages.com/ Wade D. Pfau, Ph.D., CFA, RICP, is the program director of the Retirement Income Certified Professional designation and a Professor of Retirement Income at The American College of Financial Services in King of Prussia, PA. As well, he is a Principal and Director for McLean Asset Management. He holds a doctorate in economics from Princeton University and has published more than sixty peer-reviewed research articles in a wide variety of academic and practitioner journals. He hosts the Retirement Researcher website, and is a contributor to Forbes, Advisor Perspectives, Journal of Financial Planning, and an Expert Panelist for the Wall Street Journal. He is the author of the books, Safety-First Retirement Planning: An Integrated Approach for a Worry-Free Retirement, How Much Can I Spend in Retirement? A Guide to Investment-Based Retirement Income Strategies, Reverse Mortgages: How to Use Reverse Mortgages to Secure Your Retirement. You can find the American College of Financial Services at: https://www.theamericancollege.edu/ To schedule a visit with the team at McNamara Financial, be sure to visit: https://mcnamarafinancial.com/contact McNamara Financial is an Independent, family-owned, fee-only investment management and financial planning firm, serving individuals and families on the South Shore and beyond for over 30 years. COME SEE WHAT IT'S LIKE TO WORK WITH A FIDUCIARY. http://mcnamarafinancial.com/

Reverse Mortgages with David Tourtillott, CRMP®, and Wade Pfau, Ph.D. Part 2 of 2 This week, join Alyssa McNamara Reed, CFP® and her guests David Tourtillott, CRMP®, a Certified Reverse Mortgage Professional, and Wade D. Pfau, Ph.D., CFA®, RICP® as they discuss Reverse Mortgages and how they might fit into your financial plan. Alyssa McNamara Reed, CFP® is a financial planner with a passion for the intersection of taxes and investing.  Alyssa works with motivated savers, beneficiaries of estates, business owners, divorcees, and pre-retirees. David Tourtillott, CRMP® is well known throughout the reverse mortgage industry and is currently one of only 185 CRMP® (Certified Reverse Mortgage Professional) nationwide. David has been educating retirees on all aspects of Reverse Mortgages since 2005. David specializes exclusively in reverse mortgage finance. David is a member of the National Reverse Mortgage Lenders Association (NRMLA) and adheres to their strict Code of Ethics and Best Practices Policy. David sits on the Money Management Advisory Board at South Shore Elder Services. David is a proud member of the National Association of Senior Advocates. You can find David Tourtillott, CRMP® online at: https://www.homesteadreversemortgages.com/ Wade D. Pfau, Ph.D., CFA, RICP, is the program director of the Retirement Income Certified Professional designation and a Professor of Retirement Income at The American College of Financial Services in King of Prussia, PA. As well, he is a Principal and Director for McLean Asset Management. He holds a doctorate in economics from Princeton University and has published more than sixty peer-reviewed research articles in a wide variety of academic and practitioner journals. He hosts the Retirement Researcher website, and is a contributor to Forbes, Advisor Perspectives, Journal of Financial Planning, and an Expert Panelist for the Wall Street Journal. He is the author of the books, Safety-First Retirement Planning: An Integrated Approach for a Worry-Free Retirement, How Much Can I Spend in Retirement? A Guide to Investment-Based Retirement Income Strategies, Reverse Mortgages: How to Use Reverse Mortgages to Secure Your Retirement. You can find the American College of Financial Services at: https://www.theamericancollege.edu/ To schedule a visit with the team at McNamara Financial, be sure to visit: https://mcnamarafinancial.com/contact McNamara Financial is an Independent, family-owned, fee-only investment management and financial planning firm, serving individuals and families on the South Shore and beyond for over 30 years. COME SEE WHAT IT'S LIKE TO WORK WITH A FIDUCIARY. http://mcnamarafinancial.com/

Resources: www.spiralimpact.com1. https://karenvalencic.com/jump-start/ (This is my online community sign up)2. https://karenvalencic.com/resources-2/ (Free resources available here)3. http://www.amazon.com/dp/1946533831 (The Black Belt Edition: Spiral Impact the Power to Get It Done with Grace)Allow Me To Introduce Our Speaker....... Can you imagine a business environment – or a WORLD – in which people get their work done with ease or grace? My bet is you will have a fresh perspective on your everyday challenges in the next hour!Karen Valencic (Vuh-LEN-sick) is not your average business leader. Indeed, her background is quite unique. Karen's first career was as an automotive engineer; at the time a pioneer female in a highly skilled male industry. Having encountered her own share of EVERYDAY CHALLENGES twenty plus years ago she made a rather radical shift in careers to help herself and others find a better way.Karen founded the company, SPIRAL IMPACT. Karen's most recent book reached Best Seller of The Black Belt Edition of Spiral Impact in March 2020. Additionally, recently Newsweek invited Karen to be one of their Expert Panelist, where she contributes articles and provides opinions on current business challenges.Karen speaks nationally at all types of conferences. She also works deeply with transforming cultures in a variety of organizations. She is formally adjunct faculty for Indiana University Health, Roche diagnostics, Butler University, and the Greenleaf Center for Servant Leadership. Karen is known for her entertaining, audience-involving presentations, which are full of good ideas we can all use right now!Follow Direction Not Perfection: Podcast: https://www.healthaccountabilitycoach.com/podcast-1 Website: https://www.healthaccountabilitycoach.com/ Facebook: https://www.facebook.com/houselifestyles

In this episode,  you'll hear about: Retirement income style awareness.Creating retirement income that takes taxes into account.Factoring Social Security into those decisions.Is the 4% rule still valid today?RMDs as the basis for income?Social Security claiming decisions, annuities and reverse mortgages.Related Article: High school classes ineffective in boosting retirement savings: StudyThis season is brought to you by RealizedRealized strives to put you in control of managing your investment property wealth. Our goal is to help bridge the gap between investment property ownership and sophisticated wealth management, helping you meet your income needs in retirement and pursue your investment goals across generations. Using the principles of Investment Property Wealth Management(R), Realized transforms your individual investment properties into diversified real estate portfolios, customized to your unique income needs, risk appetite, and investment goals. For more information, visit www.Realized1031.com/RepairShop to learn more.Guest Bio:  Wade D. Pfau, Ph.D., CFA, RICP®, is the program director of the Retirement Income Certified Professional® designation and a Professor of Retirement Income at The American College of Financial Services in King of Prussia, PA, as well as a co-director of the college's Center for Retirement Income. As well, he is a Principal and Director for McLean Asset Management and RISA, LLC. He holds a doctorate in economics from Princeton University and has published more than sixty peer-reviewed research articles in a wide variety of academic and practitioner journals. He hosts the Retirement Researcher website, and is a contributor to Forbes, Advisor Perspectives, Journal of Financial Planning, and an Expert Panelist for the Wall Street Journal.  Wade's newest book is Retirement Planning Guidebook: Navigating the Important Decisions for Retirement Success. He is also the author of the books Safety-First Retirement Planning: An Integrated Approach for a Worry-Free Retirement, How Much Can I Spend in Retirement? A Guide to Investment-Based Retirement Income Strategies, and Reverse Mortgages: How to Use Reverse Mortgages to Secure Your Retirement.

If you have trouble pleasing others or setting boundaries, this is the podcast for you! My next elite guest, Abby Medcalf, is a Relationship Maven, psychologist, author, podcast host, and Tedx speaker. She has helped thousands of people with her unique experience in both business and counseling. Abby has over 30 years of expertise and is a sought-after speaker at companies such as Google, Apple, AT&T, Kaiser, PG&E, American Airlines, and Chevron. She has appeared as an expert on CBS and ABC news, and she has written for Huff Post, Women's Health, and Bustle.  Topic Covered in this Episode: •What are the Four Fs: Fight, Fawn, Freeze, and Fear? •Why is people pleasing seen to be a trauma response? •How do we listen without getting provoked? •How can we reestablish trust after abuse?•Why is it so difficult to maintain boundaries? Check out her website: https://abbymedcalf.com/ *TEDx, KEYNOTES, EXPERT PANELIST, WORKSHOPS, & PRESENTATION New Global Marketing Solutions Presents: Abby Metcalf is a participant in the Elite Coaches Podcast Series. ECS are the experts in their field of study and have the power to influence others all over the world. They are the best of the best in their field of study.  Stay tuned for more experts coming soon! Media Inquiries: Rajmontage@protonmail.com   Disclaimer-This podcast's subject matter, which contains sensitive medical and mental health issues, is for entertainment purposes and does not constitute medical, legal, or any other type of professional advice. If you have any health concerns, please see a doctor or medical professional.  --- Support this podcast: https://anchor.fm/oncallempath/support

You'll face a myriad of decisions in planning for retirement. Wade Pfau has written a comprehensive guide to help you prepare well, financially and otherwise. He joins us to discuss how to fortify your retirement planning and decision-making. We discuss: How he became interested in studying retirement and retirement planning The key risks to manage in planning for retirement Why the traditional concept of retirement is increasingly unaffordable - and what to do instead His views on the 4% rule The roles that annuities and reverse mortgages can play in retirement planning The pros and cons of working longer What to consider in deciding where to live in retirement The non-financial aspects of transitioning to retirement - and special challenges for introverts How to assess your preparedness for retirement Wade joins us from Dallas. ______________________ Bio  Wade D. Pfau, PhD, is Professor of Retirement Income in the Ph.D. in Financial and Retirement Planning program, Co-Director of the New York Life Center for Retirement Income, and RICP® program director at The American College of Financial Services. Pfau is a co-editor of the Journal of Personal Finance. He has spoken at national conferences of organizations for financial professionals such as the CFA Institute, FPA, NAPFA, AICPA-PFP, and AFS. He also publishes frequently in a wide variety of academic and practitioner research journals. He hosts the Retirement Researcher blog, and is a monthly columnist for Advisor Perspectives, a RetireMentor for MarketWatch, a contributor to Forbes, and an Expert Panelist for The Wall Street Journal. His research has been discussed in outlets that include print editions of The Economist, The New York Times, The Wall Street Journal, and Money Magazine. Pfau was a selectee for the InvestmentNews “Power 20” in 2013 and “40 Under 40” in 2014, the Investment Advisor 35 list for 2015, the IA 25 list for 2014, and Financial Planning magazine's Influencer Awards. He is a two-time winner of the Journal of Financial Planning Montgomery-Warschauer Award, a two-time winner of the Academic Thought Leadership Award from the Retirement Income Industry Association, and a best paper award winner in the retirement category from the Academy of Financial Services. Pfau holds a doctorate in economics and a master's degree from Princeton University, and bachelor of arts and bachelor of science degrees from the University of Iowa. He is also a Chartered Financial Analyst® (CFA®). _________________________ For More on Wade Pfau Retirement Planning Guidebook: Navigating the Important Decisions for Retirement Success Retirement Researcher Website _________________________ One Day University At One Day University, you can watch hundreds of fascinating talks by the most popular professors from 150 top schools. A special offer for listeners of The Retirement Wisdom Podcast: learn more and start your two-week free trial at www.onedayu.com/wisdom Check out the video library to see what interests you. _________________________ Wise Quotes On Risks "Risks fall into a few different categories. Longevity risk is worth mentioning first, and it's a good thing in a way. You don't know how long you're going to live, and you might live a very long time, which is wonderful, but just on the financial side, it's expensive to live a long time. You have to fund your retirement for more and more years. So longevity risks really is the overarching risk, and you've got the different types of market risk and market volatility, interest rates that are changing, and so forth, just market-related risks and inflation could be part of that as well. But even a low inflation rate over a long retirement can really compound over time. And then everything else really falls into the category of spending shocks. Which is you may have a reasonable baseline budget that you anticipate,

This week, host Amanda Galbraith sits down with Karen Restoule, a former Director of the Justice Sector of the Chiefs of Ontario and co-founder of Bold Realities, along with Karen Mackenzie, President of MacKintosh  Canada, PeopleBest  Canada and an Expert Panelist at the Canadian Centre for the Purpose of the Corporation. The trio discusses the rapidly growing Indigenous economic sector, land acknowledgements, the United Nations, and the Mi'kmaq fishery dispute in Nova Scotia.

If you couldn’t tell, the COVID pandemic and its impact on the economy, retirement plans and individuals has really gotten me thinking. Along those lines, a recent presentation from this week’s return guest, David Blanchett, the head of retirement research for Morningstar’s Investment Management group, on Total Economic Worth, struck a chord. A very interesting concept that I felt was very applicable to retirement plans to help communicate the importance of saving today and how that translates to resources to fund your lifestyle in retirement. We cover that and much more today in a fast paced and entertaining episode. If you listen to your podcasts on 1.5 or 2 times the normal pace, you might not want to do that for this one. Also, if you didn’t know you can listen to podcasts at a faster pace, your welcome and now you can listen to more episodes in a shorter period of time!   If you like what you hear from our guests on the podcast, be sure to look them up on LinkedIn or other social media sites. Let them know you enjoyed listening to them on the 401(k) Fridays Podcast and engage what the put out into the world. That always helps great repeat guests like David have an easy decision on whether to join me again.    That’s it, I hope you enjoy my conversation with David!   Guest Bio David M. Blanchett, PhD, CFA, CFP® is head of retirement research for Morningstar Investment Management LLC. In this role, he helps develop and maintain methodologies relating to wealth forecasting, general financial planning, automated investment selection, and portfolio assignment for Morningstar Investment Management LLC. Prior to joining Morningstar, he was the Director of Consulting and Investment Research for the Retirement Plan Consulting Group at Unified Trust Company. He has published over 100 papers in a variety of industry and academic journals. His research has received best paper awards from the Academy of Financial Services (2017), the CFP Board (2017), the Financial Analysts Journal (2015), the Financial Planning Association (2020), the International Centre for Pension Management (2020), the Journal of Financial Planning (2007, 2014, 2015, 2019), and the Retirement Management Journal (2012).  He is currently an Adjunct professor of Wealth Management at The American College of Financial Services, an Expert Panelist for the Wall Street Journal, a member of the Executive Committee for the Defined Contribution Institutional Investment Association (DCIIA), and a member of the ERISA Advisory Council.  In 2014, InvestmentNews included him in their inaugural 40 under 40 list as a “visionary” for the financial planning industry, and in 2014, Money magazine named him one of the brightest minds in retirement planning. He holds a bachelor’s degree in Finance and Economics from the University of Kentucky, a master’s degree in financial services from the American College, a master’s degree in business administration from the University of Chicago Booth School of Business, and a doctorate in personal financial planning program from Texas Tech University. When David isn’t working, he’s probably out for a jog, playing with his four kids, or rooting for the Kentucky Wildcats.   401(k) Fridays Podcast Overview Struggling with a fiduciary issue, looking for strategies to improve employee retirement outcomes or curious about the impact of current events on your retirement plan? We've had conversations with retirement industry leaders to address these and other relevant topics! You can easily explore over 200 prior on-demand audio interviews here. Don't forget to subscribe as we release a new episode each Friday!  

https://www.youtube.com/watch?v=AO7Y3RkLaFI Want to get the most income later in life?  Your success depends not on one product, but the coordination of financial tools and your entire personal financial system.  Whether your focus is on acquiring cash-flowing assets or you have a more typical investment portfolio, whole life insurance and annuities can play a critical role.  That's why we're talking with Dr. Wade Pfau, a widely-recognized expert on income strategies with whole life insurance. So if you want to get the most income during retirement, have the greatest chance of not running out of money, leave the greatest legacy, and see why the higher premium of whole life is worth it over "buying term and investing the difference", tune in now! In this episode, you'll find out: Why the typical approach to retirement planning leaves so many in scarcity with the possibility of running out of money.How an integrated strategy using life insurance products with an investment portfolio provides more income during retirement.3 ways whole life insurance is more than an income replacement that's no longer needed after retirement.Why a financial strategy that includes whole life outperforms “buying term and investing the difference.”How you can spend more during retirement and pass on a bigger legacy.How whole life insurance and annuities provide an “actuarial bond” environment to replace traditional bonds in the typical asset allocation. This divides the functions of growth and income into separate assets, and give you more growth and more income.Why life insurance that uses bonds is better than buying bonds directly.How to preserve your investment portfolio and minimize the sequence of return risk, giving you more income during later years. About Dr. Wade Pfau Wade D. Pfau, Ph.D., CFA, RICP, is the curriculum director of the Retirement Income Certified Professional designation and a Professor of Retirement Income at The American College of Financial Services in King of Prussia, PA. He is also a Principal and Director for McLean Asset Management. Dr. Pfau holds a doctorate in economics from Princeton University and publishes frequently in a wide variety of academic and practitioner research journals on topics related to retirement income.  He hosts the Retirement Researcher website, and is a contributor to Forbes, Advisor Perspectives, Journal of Financial Planning, and an Expert Panelist for the Wall Street Journal.   Dr. Pfau is the author of several books on retirement income strategies.  Dr. Wade Pfau Links and Mentions RetirementResearcher.comSafety-First Retirement Planning: An Integrated Approach for a Worry-Free RetirementHow Much Can I Spend in Retirement? A Guide to Investment-Based Retirement Income StrategiesReverse Mortgages: How to Use Reverse Mortgages to Secure Your Retirement Find Out Your Next Step to Time and Money Freedom If you would like to assess your complete financial picture and find your personal best strategy to maximize your cash flow and control, we can help. By the way, we have a free Quick and Easy Privatized Banking Guide that outlines just how Privatized Banking gives you the most powerful storage tank for your cash, PLUS it boosts investment returns, so you can more quickly get to the point where you never run out of cash. If you are ready to personally implement Privatized Banking, alternative investments, or cash flow strategies to keep more of the money you make, book your strategy call with The Money Advantage advisors today. Thanks for Tuning In! Thanks so much for being with us this week. Have some feedback you'd like to share? Please leave a note in the comments section below! Don't forget to subscribe to the show to get automatic episode updates for The Money Advantage podcast! And, finally, if you like these conversations about building time and money freedom, please rate and review our show on Apple Podcasts to help ...

Wade D. Pfau, Ph.D., CFA, RICP, is the program director of the Retirement Income Certified Professional designation and a Professor of Retirement Income at The American College of Financial Services in King of Prussia, PA. As well, he is a Principal and Director for McLean Asset Management. He holds a doctorate in economics from Princeton University and has published more than sixty peer-reviewed research articles in a wide variety of academic and practitioner journals.    Dr. Phau hosts the Retirement Researcher website and is a contributor to Forbes, Advisor Perspectives, Journal of Financial Planning, and an Expert Panelist for the Wall Street Journal.  He is the author of the books, Safety-First Retirement Planning: An Integrated Approach for a Worry-Free Retirement, How Much Can I Spend in Retirement? A Guide to Investment-Based Retirement Income Strategies, and Reverse Mortgages: How to Use Reverse Mortgages to Secure Your Retirement.   This podcast is hosted by Rick Ferri, CFA, a long-time Boglehead and investment adviser. The Bogleheads are a group of like-minded individual investors who follow the general investment and business beliefs of John C. Bogle, founder and former CEO of the Vanguard Group. It is a conflict-free community where individual investors reach out and provide education, assistance, and relevant information to other investors of all experience levels at no cost.   The organization's free website is Bogleheads.org and the wiki site is Bogleheads® wiki. Bogleheads sites are operated by volunteers who contribute time and talent. Donations help defray operating costs.   Since 2000, the Bogleheads' have held national conferences in major cities around the country and currently meet in Philadelphia in the autumn of each year. There are 56 Local Chapters in the US and three Foreign Chapters that also meet regularly. New Chapters are being added on a regular basis.   This podcast is supported by the John C. Bogle Center for Financial Literacy, a non-profit organization approved by the IRS as a 501(c)(3) public charity on February 6, 2012.

Sheba Coffey is a Success Coach and Speaker. She has a TEDx talk entitled #Fearmovement and currently has a Master Class named, " Using FEAR to Create the Success You Want." Sheba was recently an Expert Panelist on the webinar, "Thriving in Uncertainty." She does Group and Individual Coaching. She was the Co-Chair of the Training Sub-Committee for the 2019 NCAA Final Four. She is the former Publisher of Women's Business Minnesota Magazine. She is a two-time recipient of the Minnesota People's Choice Awards for "Most Dynamic TV Show Host." Sheba is involved in many volunteer efforts and was formerly Board Chair of the Women's Foundation of Minnesota. She is a world traveler and most proud of being the mother of 3 outstanding children. You’ve probably heard more than one acronym for FEAR, but buckle up to hear how Sheba Coffey shifts the word fear into actionable steps to move forward through anything. Sheba shares her own devastating loss at a young age, and how this affected her moving forward. How her #fearmovement came into being when she continued to see words that shaped FEAR and gave it new meaning. We discuss her four step approach to a new relationship with fear based on words that kept coming to her. Sheba shares practical tools that have led her to amazing results for herself, her children, and her clients. To re-define your own relationship with fear and learn some actionable steps you can take today---enjoy this episode! LAST CHANCE FOR SOBER & CALM: http://www.kerbymethodconsulting.com/sober--calm.html#/ Join the Community Here:https://www.facebook.com/groups/SelfLoveProject2020/ Links for Sheba: https://www.youtube.com/watch?v=l9CAbK9JegI https://www.linkedin.com/in/shebacoffey/

I hope this episode finds you safe and healthy! While there is no specific Coronavirus talk today, the concept of managed accounts could get a boost once the dust settles in the financial markets. To help us navigate things I am excited to welcome back David Blanchett, who is the head of retirement research for Morningstar Investment Management. We touch on many of the basics of managed accounts, then look at how they compare to TDFs, roboadvice, and how they are currently offered in workplace retirement plans. We also discuss where things are headed and how managed accounts could change some thinking about investment default options in retirement plans in the future.  Before we get started, two thoughts. First, if you are not subscribed to the podcast take care of that today. You can click subscribe on your favorite podcast or go to 401kfridays.com/subscribe as well. Second, if you like what you hear from David or our other guests on the podcast I would encourage you to follow them on social media. They usually have some pretty informative and timely things to share.  Guest Bio David M. Blanchett, PhD, CFA, CFP® is head of retirement research for Morningstar Investment Management LLC. In this role, he helps develop and maintain methodologies relating to wealth forecasting, general financial planning, automated investment selection, and portfolio assignment for Morningstar Investment Management LLC. Prior to joining Morningstar, he was the Director of Consulting and Investment Research for the Retirement Plan Consulting Group at Unified Trust Company. He has published over 100 papers in a variety of industry and academic journals. His research has received best paper awards from the Academy of Financial Services (2017), the CFP Board (2017), the Financial Analysts Journal (2015), the Journal of Financial Planning (2007, 2014, 2015, 2018), and the Retirement Management Journal (2012).  He is currently an Expert Panelist for the Wall Street Journal, an Adjunct professor of Wealth Management at The American College, a member of the Executive Committee for the Defined Contribution Institutional Investment Association (DCIIA), and a member of the ERISA Advisory Council.  In 2014, InvestmentNewsincluded him in their inaugural 40 under 40 list as a “visionary” for the financial planning industry, and in 2014, Money named him one of the brightest minds in retirement planning.  He holds a bachelor’s degree in Finance and Economics from the University of Kentucky, a master’s degree in financial services from the American College, a master’s degree in business administration from the University of Chicago Booth School of Business, and a doctorate in personal financial planning program from Texas Tech University. When David isn’t working, he’s probably out for a jog, playing with his four kids, or rooting for the Kentucky Wildcats. 401(k) Fridays Podcast Overview Struggling with a fiduciary issue, looking for strategies to improve employee retirement outcomes or curious about the impact of current events on your retirement plan? We've had conversations with retirement industry leaders to address these and other relevant topics! You can easily explore over 175 prior on-demand audio interviews here. Don't forget to subscribe as we release a new episode each Friday!

Join Johnathan Krueger as he interviews Wade Pfau. Wade Pfau, Ph.D., CFA, RICP,  is a Professor of retirement income in the PhD in Financial and Retirement Planning program, Co-Director of the New York Life Center for Retirement Income, and the RICP® program director at The American College of Financial Services. Dr. Pfau is a co-editor of the Journal of Personal Finance. He has spoken at the national conferences of organizations for financial professionals such as the CFA Institute, FPA, NAPFA, AICPA-PFP, and AFS. He also publishes frequently in a wide variety of academic and practitioner research journals and his research has been discussed in outlets that include print editions of The Economist, The New York Times, The Wall Street Journal, and Money Magazine. During this episode you’ll hear  How Wade Pfau’s advise and practices stand out in the retirement space Two fundamentally different philosophies for retirement income planning How probability-based philosophy, as you describe it, is better understood by the public than the safety-first approach The characteristics of the probability-based approach Inherent risks of the probability-based approach that can sidetrack folks before and during their retirement years Lesser known ways to use insurance to help with retirement planning and execution that The types of risks that can be mitigated in retirement using a safety-first retirement planning approach Jonathan Krueger is an Investment Advisor Representative with Lion Street Advisors, LLC, a Registered Investment Representative and a Registered Representative with Lion Street Advisors, LLC member SIPC. Opinions expressed on this program do not necessarily reflect those of Lion Street Advisors, LLC or LionsGate Advisors. The topics discussed, and opinions given are not intended to address the specific needs of any listener. Neither Lion Street Advisors, LLC nor LionsGate Advisors offer legal or tax advice; listeners are encouraged to discuss their financial needs with the appropriate professional regarding your individual circumstance.   Resources:  Wade D. Pfau, Ph.D., CFA, RICP, is the curriculum director of the Retirement Income Certified Professional designation and a Professor of Retirement Income at The American College of Financial Services in King of Prussia, PA. As well, he is a Principal and Director for McLean Asset Management. He holds a doctorate in economics from Princeton University and publishes frequently in a wide variety of academic and practitioner research journals on topics related to retirement income.  He hosts the Retirement Researcher website, and is a contributor to Forbes, Advisor Perspectives, Journal of Financial Planning, and an Expert Panelist for the Wall Street Journal.  He is the author of the books, Safety-First Retirement Planning: An Integrated Approach for a Worry-Free Retirement, How Much Can I Spend in Retirement? A Guide to Investment-Based Retirement Income Strategies, and Reverse Mortgages: How to Use Reverse Mortgages to Secure Your Retirement

Kate interviews Dr Faith Brown, Counseling Psychologist, Performance Strategist, Business Mentor, Author, Speaker, Professor, Radio Personality, & Expert Panelist coaching individuals and corporate entities in posturing for the next level. Specializing in relationships, she leverages her knowledge in neuropsychology and behaviorism with more than 25 years in the corporate sector to facilitate personal and professional development. She believes that every relationship embodies an element of psychology. Integral to that is understanding the oneness of self – the vertical relationship (mind, body, and spirit) is key to the success for all relationships. Dr Brown’s seminal research and publication on the mental health of oncologists led to the founding of The Brown Wellness Group in New York City and to the production of her Book entitled “Burnout – The Gift”. She has lectured extensively on the Health and Resiliency of Physicians, The Power and Brilliance of Women, Intergenerational Diversity and the Art of Collaboration in the Workplace and The Impact of Social Media for the Helping Professions. She has received numerous awards from the healthcare industry and seeks to show others how to manifest love and rewards in their own lives.

Probability-based or safety-first? What trade-offs exist between these two dramatically different philosophies for retirement income planning? Wade Pfau discusses his new book - Safety-First Retirement Planning: An Integrated Approach for a Worry-Free Retirement.   We were joined today by bestselling author Wade D. Pfau, Ph.D., CFA, RICP. Dr. Pfau is the director of the Retirement Income Certified Professional designation and a Professor of Retirement Income at The American College of Financial Services in King of Prussia, PA. As well, he is a Principal and Director for McLean Asset Management. He holds a doctorate in economics from Princeton University and publishes frequently in a wide variety of academic and practitioner research journals on topics related to retirement income. He hosts the Retirement Researcher website, and is a contributor to Forbes, Advisor Perspectives, Journal of Financial Planning, and an Expert Panelist for the Wall Street Journal. He is the author of the books, Safety-First Retirement Planning: An Integrated Approach for a Worry-Free Retirement, How Much Can I Spend in Retirement? A Guide to Investment-Based Retirement Income Strategies, and Reverse Mortgages: How to Use Reverse Mortgages to Secure Your Retirement.   About Safety-First Retirement Income Planning To learn two fundamentally different philosophies for retirement income planning, which I call probability-based and safety-first, diverge on the critical issue of where a retirement plan is best served: in the risk/reward trade-offs of a diversified and aggressive investment portfolio that relies primarily on the stock market, or in the contractual protections of insurance products that integrate the power of risk pooling and actuarial science alongside investments. The probability-based approach is generally better understood by the public. It advocates using an aggressive investment portfolio with a large allocation to stocks to meet retirement goals. My earlier book How Much Can I Spend in Retirement? A Guide to Investment-Based Retirement Strategies provides an extensive investigation of probability-based approaches. But this investments-only attitude is not the optimal way to build a retirement income plan. There are pitfalls in retirement that we are less familiar with during the accumulation years. The nature of risk changes. Longevity risk is the possibility of living longer than planned, which could mean not having resources to maintain the retiree's standard of living. And once retirement distributions begin, market downturns in the early years can disproportionately harm retirement sustainability. This is sequence-of-returns risk, and it acts to amplify the impacts of market volatility in retirement. Traditional wealth management is not equipped to handle these new risks in a fulfilling way. More assets are required to cover spending goals over a possibly costly retirement triggered by a long life and poor market returns. And yet, there is no assurance that assets will be sufficient. For retirees who are worried about outliving their wealth, probability-based strategies can become excessively conservative and stressful.This book focuses on the other option: safety-first retirement planning. Safety-first advocates support a more bifurcated approach to building retirement income plans that integrates insurance with investments, providing lifetime income protections to cover spending. With risk pooling through insurance, retirees effectively pay an insurance premium that will provide a benefit to support spending in otherwise costly retirements that could deplete an unprotected investment portfolio. Insurance companies can pool sequence and longevity risks across a large base of retirees, much like a traditional defined-benefit company pension plan or Social Security, allowing for retirement spending that is more closely aligned with averages. When bonds are replaced with insurance-based risk pooling assets, retirees can improve the odds of meeting their spending goals while also supporting more legacy at the end of life, especially in the event of a longer-than-average retirement. We walk through this thought process and logic in steps, investigating three basic ways to fund a retirement spending goal: with bonds, with a diversified investment portfolio, and with risk pooling through annuities and life insurance. We consider the potential role for different types of annuities including simple income annuities, variable annuities, and fixed index annuities. I explain how different annuities work and how readers can evaluate them. We also examine the potential for whole life insurance to contribute to a retirement income plan. When we properly consider the range of risks introduced after retirement, I conclude that the integrated strategies preferred by safety-first advocates support more efficient retirement outcomes. Safety-first retirement planning helps to meet financial goals with less worry. This book explains how to evaluate different insurance options and implement these solutions into an integrated retirement plan.   More about Houston Money Week visit: www.Houstonmoneyweek.org http://www.cheatsheet.com/personal-finance/how-schools-can-improve-their-personal-finance-education.html/ Financial Advisor Magazine Articles: http://www.fa-mag.com/news/advisors-stay-the-course-amid-monday-s-market-drop-22864.html?section=3  http://www.fa-mag.com/news/on-it-s-80th-anniversaryadvisors-consider-social-security-s-impactfuture-22784.html?section=3 You can listen live by going to www.kpft.org and clicking on the HD3 tab. You can also listen to this episode and others by podcast at: http://directory.libsyn.com/shows/view/id/moneymatters or www.moneymatterspodcast.com #KPFTHOUSTON #HoustonMoneyWK #WadePfau #ChrisHensley #FinancialPlanning #FinancialAdvisor #MoneyMattersPodcast #KPFT #Houston #Texas #UnitedStates 

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FAR 201 Max Keller Expected Air Date: 10/25/18 Opening The year 2030 marks an important demographic turning point in U.S. history according to the U.S. Census Bureau’s 2017 National Population Projections. By 2030, all baby boomers will be older than age 65. This will expand the size of the older population so that 1 in every 5 residents will be retirement age. “The aging of baby boomers means that within just a couple decades, older people are projected to outnumber children for the first time in U.S. history,” said Jonathan Vespa, a demographer with the U.S. Census Bureau. “By 2035, there will be 78.0 million people 65 years and older compared to 76.7 million (previously 76.4 million) under the age of 18.” Today’s savvy real estate investors will take note of this trend and will at least give this some consideration while developing a strategy. Our guest today is Max Keller who has devised a strategy geared toward helping seniors both in the selling of their current homes and relocating to the next. Max has a unique combination of compassion and business savvy that allows him to make money in real estate while serving a vitally important role. Max has over 15 years of experience in Real Estate, Finance, and Teaching. He earned his B.B.A. in Finance from The University of Texas at Austin and earned an M.A. in Teaching from Louisiana College. He’s a  Consultant, Teacher, and Expert Panelist. His company, flipped 24 homes in the DFW area last year. Max's consulting company helps small business owners become more profitable. As you will hear in a few minutes, much of what Max is doing now has flowed from some of the more unfortunate experiences in his own life. He and his family faced the death of a loved one without the type of planning and preparation he now provides. Max is coming up in a few minutes and then your questions. Today we are going to talk in the Q&A time about installment land contracts, ideal rentals, creative deal financing, and much more. How to contact us www.flippingamericanetwork.com Facebook.com/flippingamericamedia Twitter and Instagram @FlippingAmerica YouTube: bit.ly/FlippingAmericaOnYouTube Linkedin: bit.ly/FlippingAmericaOnLinkedIn We now have a profile at houzz.com for what it’s worth. Call our National Comment Line: 404-369-1018, ext 1. Leave your message or your question. Announcements: FlipStarter Nov 2-3, Atlanta, GA   Lunch with me every Wednesday. Flipping America App is in the app store. You can listen to the show, read the show notes, and the entire catalog of shows is now available to you. It’s a free download and there are no upsells or in-app purchases. Free to download, free to listen. Go ahead and give it a try and drop me a line and let me know what you think. Want a quick analytical tool to tell you how strong a potential fix and flip deal is? Download the Property Grade app. You answer 10 simple questions about the property and the app instantly tells you what you can expect to make, your return on investment, your return on cash, and then the program gives the project a letter grade using the proprietary Flipping America Investment Property Grade algorithm.   News! https://www.curbed.com/2018/10/24/18017600/tiny-house-dunkin-donuts-coffee https://www.forbes.com/sites/suzynam/2018/10/24/real-estate-mogul-and-his-wife-share-their-collection-with-fellow-thais/#efc92159de60 https://www.pleasantonweekly.com/square/2018/10/22/unseasonable-weather-for-pleasanton-real-estate-market https://www.globest.com/2018/10/25/liquidity-learning-equals-real-estate-success/?slreturn=20180925103149 Guest:  Max Keller, Savior Realty Topic: Comment Line calls and Questions Call 404-369-1018, press 1 and leave your message! Emails: questions@flippingamericnanetwork.com  Tell us where you’re from! Elmer, Villages of Ocala, FL, “Please explain the installment land contract.” Dorothy, Tampa, FL “My husband and I want to invest in rental properties but we are disagreeing about the type of property. He wants to buy cheap houses in older neighborhoods. I’m concerned about crime and the transient nature of the residents. I want to buy in nice middle class neighborhoods, but he is concerned that our returns would not be very good. We would appreciate your thoughts.” Aldo, McDonough, GA “I bought a home in 2010 and today homes in the neighborhood are selling for twice what I paid for mine. Should I sell now while the price is high?” Emily, Wayne, PA, “I’ve done three flips in the past two years. I really want to quit my job and do this full time, but I need to do four to five flips in a year to do that. How do I get to that level?” Motivational Thoughts for the day It’s not about “perfect.” It’s about “effort.” And when you bring that effort every day, transformation happens. That’s how change occurs.   Jillian Michaels  

*ABOUT* CEO & Founder Of PhotoPad for Business. A leader and passionate about the start-up community, Serves as Director, Seattle Founder Institute, Mentor, Coach and organizer to Startup Weekend, Expert Panelist and speaker on Entrepreneurship, Invited to the White House Digital Tech summit and served on Delegation for Vancouver First Startup Week and panelist for Bridging the Gap between Seattle and Vancouver, as well as, seeks ways to help entrepreneurs connect with one another and provides resources to assure success. Diane is a Thought leader and advocate for Women Entrepreneurs and empower them to pursue their startups serving as advisers to start-ups, Board of Directors to Women In Wireless and Women in Tech. Passionate to give back to the community in the philanthropy sector, serving on the Board of Trustee for a non-profit Olive Crest. 2015 Women in Business Award, 2012 Mom of the Year Business Award and 2012 Ambassador to the Children Community Award. *NOTES* The one thing you can do to break the male-dominated tech paradigm 4:18 Why persistence is the key for women to get ahead 4:52 The one thing you need to accelerate your success 7:09 Every time we reach a milestone that's a success, and that's what we need to look at 9:00 One of my biggest mistakes early on 21:07 *QUOTES* Success is what you show Fear is always going to be a baseline when you are doing your own company and investing your own money and you're looking at a big audacious goal and people around you are telling you that you're crazy and that's is fear in itself I try to separate the noise from reality FOLLOW http://photopad.co/ Twitter: @photopad__

Dr. Wade D. Pfau, CFA®, is a Professor of Retirement Income in the PhD in Financial and Retirement Planning program at The American College of Financial Services. He is also a contributor to the The College's Retirement Income Certified Professional® (RICP®) designation program curriculum. Dr. Pfau is a co-editor of the Journal of Personal Finance. He has spoken at the national conferences of organizations for financial professionals such as the CFA Institute, FPA, NAPFA, AICPA-PFP, and AFS. He also publishes frequently in a wide variety of academic and practitioner research journals. He hosts the Retirement Researcher blog, and is a monthly columnist for Advisor Perspectives, a RetireMentor for MarketWatch, a contributor to Forbes, and an Expert Panelist for The Wall Street Journal. His research has been discussed in outlets that include print editions of The Economist, The New York Times, The Wall Street Journal, and Money Magazine. Dr. Pfau was a selectee for the InvestmentNews “Power 20” in 2013 and “40 Under 40” in 2014, the Investment Advisor 35 list for 2015, the IA 25 list for 2014, and Financial Planning magazine's Influencer Awards. He is a two-time winner of the Journal of Financial Planning Montgomery-Warschauer Award, a two-time winner of the Academic Thought Leadership Award from the Retirement Income Industry Association, and a best paper award winner in the retirement category from the Academy of Financial Services. Dr. Pfau holds a doctorate in economics and a master's degree from Princeton University, and Bachelor of Arts and Bachelor of Science degrees from the University of Iowa. He is also a Chartered Financial Analyst® (CFA®).

How much can you spend in retirement? Naturally, this is an essential question for those approaching this important life transition. Essentially, if you wish to retire one day, you are increasingly responsible for figuring out how to save during your working years and convert your savings into sustainable income for an ever-lengthening number of retirement years. The nature of risk also changes in retirement, as the lifestyle of retirees become more vulnerable to the impacts of market volatility, unknown longevity, and spending shocks. Retirees have one opportunity to build a successful plan. It is not an easy task, but it is manageable. On today's show we talked with Author Dr. Wade Pfau about his new book How to Spend Money Wisely in Retirement.  Dr. Wade D. Pfau, CFA®, is a Professor of Retirement Income in the PhD in Financial and Retirement Planning program at The American College of Financial Services. He is also a contributor to the The College's Retirement Income Certified Professional® (RICP®) designation program curriculum. Dr. Pfau is a co-editor of the Journal of Personal Finance. He has spoken at the national conferences of organizations for financial professionals such as the CFA Institute, FPA, NAPFA, AICPA-PFP, and AFS. He also publishes frequently in a wide variety of academic and practitioner research journals. He hosts the Retirement Researcher blog, and is a monthly columnist for Advisor Perspectives, a RetireMentor for MarketWatch, a contributor to Forbes, and an Expert Panelist for The Wall Street Journal. His research has been discussed in outlets that include print editions of The Economist, The New York Times, The Wall Street Journal, and Money Magazine.     To learn more about Wade visit: www.retirementresearcher.com   To learn more about Houston Money Week visit: www.Houstonmoneyweek.org   http://www.cheatsheet.com/personal-finance/how-schools-can-improve-their-personal-finance-education.html/ Financial Advisor Magazine Articles: http://www.fa-mag.com/news/advisors-stay-the-course-amid-monday-s-market-drop-22864.html?section=3  http://www.fa-mag.com/news/on-it-s-80th-anniversaryadvisors-consider-social-security-s-impactfuture-22784.html?section=3 You can listen live by going to www.kpft.org and clicking on the HD3 tab. You can also listen to this episode and others by podcast at: http://directory.libsyn.com/shows/view/id/moneymatters or www.moneymatterspodcast.com #KPFTHOUSTON #HoustonMoneyWK #WadePfau

Jason interviews Wade Pfau. Wade D. Pfau, Ph.D., CFA, is a Professor of Retirement Income in the Ph.D. program for Financial and Retirement Planning at The American College in Bryn Mawr, PA. He also serves as a Principal and Director for McLean Asset Management. He holds a doctorate in economics from Princeton University and publishes frequently in a wide variety of academic and practitioner research journals on topics related to retirement income. He hosts the Retirement Researcher website, and is a monthly columnist for Advisor Perspectives, a RetireMentor for MarketWatch, a contributor to Forbes, and an Expert Panelist for the Wall Street Journal. He recently authored his first book, Reverse Mortgages: How to Use Reverse Mortgages to Secure Your Retirement, which is available from Amazon.

Jason Parker interviews Wade Pfau, Ph.D., CFA. Wade D. Pfau, PhD, CFA, is a Professor of Retirement Income in the new PhD program for Financial and Retirement Planning at The American College in Bryn Mawr, PA. He is a past selectee for the InvestmentNews Power 20 for people expected to shape the financial advisory industry, and is a recipient of Financial Planning magazine's Influencer Awards. His research article on “safe savings rates” won the inaugural Journal of Financial Planning Montgomery-Warschauer Editor's Award, and his work on evaluating the outcomes of different retirement income strategies received an Academic Thought Leadership Award from the Retirement Income Industry Association. He has also served as a past curriculum director for that organization's Retirement Management Analyst (RMA) designation program, and he has contributed to the curriculum of The American College's Retirement Income Certified Professional (RICP) designation. He holds a doctorate in economics from Princeton University, and he has published research on retirement planning in a wide variety of academic and practitioner research journals. He is also an active blogger on retirement research, maintains the educational Retirement Research website, and is a monthly columnist for Advisor Perspectives, a RetireMentor for MarketWatch, and an Expert Panelist for the Wall Street Journal. His research has been discussed in outlets including the print editions of The Economist, Wall Street Journal, Money Magazine, and SmartMoney. See his Google + profile for contact information.  

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