Podcasts about financial advice

Welcome to the Alfalfa podcast

Trust is the foundation of success in financial advice. According to research from Vanguard, there are countless business benefits that stem from creating trust: Higher satisfaction with an advisor Higher likelihood of referring an advisor Higher likelihood of consolidating assets Higher likelihood of following advice Other research has found that trust is the #1 characteristic clients look for in a financial advisor. But how can you quickly instill trust into the conversation with a prospective client? How can you consistently build trust throughout your relationship with a current client so they refer more and follow your advice? Mary Schmid will explain how to conduct conversations that quickly and consistently build trust with clients and prospects. In this episode, we discuss: Why conversations send our brains into "Connect" or "Protect" mode The conversational techniques to get someone into "Connect" mode Why you should never talk about the weather The trust-building power of using an agenda in meetings The trust-eroding mistakes we make and never realize *The featured partner for this episode is Knudge, an automated system to help clients follow through on their tasks and reach their financial goals. *For more resources discussed in this episode, check out www.wiredplanning.com/episode56 *For more resources and insights on masterting the human side of advice, go to www.wiredplanning.com. *Follow Brendan for insights on mastering the human side of advice: Twitter LinkedIn

There are some very specific money myths or albeit, lies that many of us tell ourselves when it comes to finances. These myths in fact, could damage our approach when it comes to saving, investing and retirement. In today's episode, Brad exposes these 6 money myths and encourages each one of us to be honest with ourselves to find out which ones WE believe and how to stop believing them, so we can make the most of our money. Listen now.  Show Highlights Include: The Stork Theory. (6:02)  I Deserve It. (8:38)  The Coffee Buzz. (11:21)  I Will Save More Later.. (14:31)  Be Kind To Your Tomorrow Selves. (16:50)  Wanting More Is Bad. (18:55)  To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK' and we'll reach out to you. Want to WATCH the show? SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show

Neel Shah is the Founder of Shah Total Planning, which is a combination of an independent RIA and a law firm based out of New Jersey that oversees $57 million in assets under management for 50 households. Neel himself is an estate planning attorney turned financial advisor who offers a one-stop shop for advice while outsourcing his investments, leveraging his background as an attorney to generate referrals from centers of influence to help scale his growth.  Listen in as Neel shares how he transitioned from attorney to financial advisor, as well as why he went down the path of financial advice to develop deeper relationships with his clients. You'll hear why he views himself not as a career-changer, but as a career-adder, and how he has learned to get comfortable with the realities of building and scaling a business by aiming to make each year better than the last. For show notes and more visit: https://www.kitces.com/294

Over the past couple years I've heard some truly appalling examples of "financial advice". Many of these ill-conceived ideas have been spread through social media. As with anything on the internet, it's always advisable to receive advice with a healthy dose of skepticism. In today's episode, I want to share four examples of bad financial advice that I've heard multiple times in the past year alone. Email: info@nateskelly.com Website: https://www.nateskelly.com/ Facebook: https://www.facebook.com/financialpathwayllc

Is inflation slowing down? Can I expect future fed rate hikes? Does it even matter if we're in a recession or not? Get the answers in this episode of Off The Wall with hosts David Armstrong and Jessica Gibbs, featuring Monument's portfolio managers Erin Hay, CFA and Nate Tonsager, CIPM. Listen in to this quarterly market update (Q3 of 2022) as they address the booming inflation debate, take an insightful look ahead to earnings season, and dive deep into the future of federal rate hikes. Plus, you'll hear about what's on their minds right now as we approach the middle of Q3. “Just because you're getting a lower inflation number, it doesn't mean that prices are coming down, necessarily, it just means that they're going up at a slower rate. Disinflation is not deflation.” – David Armstrong   Episode Timeline/Key Highlights: [00:50] Introducing Nate Tonsager & The topic of today's episode [02:40] The State of Nate: Inflation & Federal rate hikes [05:29] Does it matter if inflation goes down or not? [09:23] Will the market rebound in Q3 (July/August) continue in the short-term? [12:48] When should I re-enter the market after a “storm”? Should I wait to invest my cash until I feel better? [13:55] Will the market rebound in Q3 continue in the long-term? What is the probability of a recession happening in the future? [17:45] What is MONCON? & The MONCON level we're at right now. [25:00] Why we don't pay attention to individual earnings reports and expectations. [32:37] The future of fed rate hikes & How to use the CME FedWatch Tool [40:17] What's on our minds right now: Outperformance of small cap stocks & The breakout between services and goods inflation.   Relevant Resources & Episodes Mentioned: Article about MONCON: https://bit.ly/3Aqpv6c CME FedWatch Tool: https://bit.ly/3JXW0vv   Learn about and connect with Nate Tonsager, CIPM: https://bit.ly/3C99piu Learn about and connect with Erin Hay, CFA: https://bit.ly/3QOiMrN   Connect with Monument Wealth Management: Visit our website: https://bit.ly/monumentwealthwebsite Follow us on Instagram: https://bit.ly/MonumentWealthIG Follow us on Twitter: https://bit.ly/MonumentWealthTW Connect with us on LinkedIn: https://bit.ly/MonumentWealthLI Connect with us on Facebook: https://bit.ly/MonumentWealthFB Subscribe to our blog: https://bit.ly/MonumentWealthBlog   About “Off the Wall”: Off the Wall is a podcast aimed at helping you answer the questions: What is the point of my wealth, and what actions can I take to accomplish that purpose? Your answers to those questions will be different from everyone else's. As Wealth Managers, we're skilled at helping our clients think through these challenging, but important, questions.    Learn more about our hosts, Dave and Jessica on our website at https://monumentwealthmanagement.com.   Please see important podcast disclosure information at https://monumentwealthmanagement.com/disclosures.    

Welcome to the Alfalfa podcast

Welcome to the Alfalfa podcast

In the wake of the SEC's settlement with Equitable Financial we are getting a lot of inquiries about how to find the right kind of financial advice.  SEC Settlement Announcement Learned by Being Burned Meridian Wealth Management 403bwise.org

James Kirby talks to Tim Mackay, advisor at Quantum Financial Services. Topics discussed include the qualification you want your advisor to have, should you bother becoming a Sophisticated Investor? Why four out of ten financial advisers have quit the industry and can you put your house in your Self Managed Super Fund? See omnystudio.com/listener for privacy information.

Welcome to the Alfalfa podcast

What's In A Name? Meet Craig Melvin's name twin! Plus, Stephanie Ruhle shares key money tips for every age. And, Vicky Nguyen shares tips on how to stay safe on college campuses. Also, D'Arcy Carden stops by Studio 1A to chat about the new re-imagined version of “A League Of Their Own.”

Today's show is an extremely requested episode. My husband, John, is a financial advisor and is here to answer all your money questions. Many of you have emailed and DMed me asking for this episode, so let's jump into it. 3:11 – Why take financial advice from John? John is a financial advisor and owns a media company, Third Wheel Media. He migrated from journalism to interviewing financial advisors. He decided to do the job himself. 5:45 – John's financial lessons Both of John's grandfathers were good with money but in different ways. One grandfather was good at earning money by selling candy for a living. He was also a good investor. His other grandfather was good at not spending money. He didn't make much money but he was a good saver and sent his kids to college. 8:39 – John's first house John bought his first house at age 25 and put 20% down. 11:20 – Question: How to budget on one income and make decisions jointly? This is more of a marriage question. All of the money that comes into the household is joint money, no matter who earned it. With second marriages, spouses often maintain separate financial lives. 19:36 – Question: Do we have an allowance? Yes, we each have our own spending money each month. And yes, we have a monthly budget. If you have a blow money spending category, you can buy whatever you want. 27:05 – Question: Should kids get an allowance, tithe, etc.? Our son is 6½, so he doesn't understand as much about money. Our daughter, who's older, understands more. We have kids' piggy banks – spend (80%), share (10%) and save (10%).  35:15 – Question: What is a good dollar amount for retirement? No offense, but this is a pointless question because it's impossible to answer. John has clients who retired with $175,000 in retirement savings. Most people would say that's not enough, but they don't spend much and are happy that way. John also has clients who aren't getting much of a Social Security benefit. They have almost $2 million in savings, but they spend a lot each month. 42:38 – Question: Where do I start when living paycheck to paycheck? People in this boat are often so stressed that they can't get out of their own way. There is a path out of debt, but it won't happen overnight. Define your priorities (rent, car payment, food, etc.) and increase income. 52:12 – Question: Are you comfortable talking about money with family and friends? We've made money this thing you can't talk about in our culture, but it isn't like that in other cultures. It drives John crazy that families don't talk about money, and children don't know the financial situation of their aging parents. Why can't we have these generational conversations about money? 56:01 – Question: Should I do a 529 or IRA for kids? Do a 529 for kids. A Roth IRA is not the best use of this money. 58:14 – Question: How do you save for a vacation when there are other priorities? You don't have to spend a bunch of money on a vacation. It can be simple. If money is that tight, the vacation probably isn't a priority. 1:04:08 – Question: What to do if my finances feel out of control? If you're in financial despair, you don't have a good command of your numbers. Find out what you spend on groceries and miscellaneous expenses. Spend a couple months and look at every expense. FEATURED QUOTES There's always a way out (of debt). The question is, how disciplined and motivated are you to make it happen? – John If you are in a marriage or partnership … it has to be a mindset shift where this is our money, and not his money and her money. – Molly This is why you need a financial advisor. We can figure this stuff out with you and determine what your life looks like and how much money you need. – John Why can't we have these generational conversations about money? – John CONNECT: https://rosewoodwealthmanagement.com/ Thank you to our partners of the show! Are you looking to clean up your household cleaning products this year? MamaSuds would like to help! The best way is to simply start with one product. Every time you run out of a specific cleaning product, replace it with a non-toxic one. Another tip, purchase a product that has multiple uses. The MamaSuds Collection has many multiple use products (castile soap or the toilet bombs are just a few!). Their blog has lots of great tips and a castile soap recipe that you can print and make a lot of your own effective cleaners! Give them a try at www.mamasuds.com and don't forget to use the coupon code MOLLY for 15% off your order! I'd like to thank our other partner of the show and that's Tradlands. Tradlands is an INCREDIBLE sustainable fashion brand that believes in clothing that you can live in NOW and love forever. Clothing that not only makes you feel like your best self, but also fits in a way that flatters. Their gorgeous dresses, pants, tops, and more are designed to move with you throughout your busy days. Their Nico dress is my dress in a love language —not only does it have sleeves, but also POCKETS and you know how I feel about dresses with pockets. I love how comfortable and stylish each piece - and they come in colors like classic neutrals or vibrant hues. One of the things I love most about Tradlands is their focus on sustainability and creating small batch clothing that lasts… they never over produce what they make and focus on only the highest quality materials. And you know how much I love supporting small businesses, too. Check them out at https://tradlands.com/businesswithpurpose and use the code MOLLY20 for 20% off!

We're joined by two guests on today's episode of Bridging The Gap. Dave Connolly, CEO and Co-Founder of Knudge, and Dr. Moira Summers, Financial Psychologist and Executive Coach, share how they help bridge the gap between financial motivations and systems that help clients reach their financial goals.  We explore procrastination, three steps of implementation for your clients, the shared responsibility of implementation, what works and what doesn't work when it comes to helping your clients reach financial goals, and more.  We also dive into a conversation about how simple reminders from you as the advisor can have a huge impact on your clients's financial journey.  Guest Bios: Dave Connolly, co-founder and CEO of Knudge, a platform that helps advisors manage their clients' action items and automates follow up via email, text or push notifications to encourage their clients to get more done. For over 20 years Dave has been designing and developing web based products. Former Lead User Interface Designer at Bain & Company - responsible for designing dozens of internal web based applications. More recently co-founder and CTO of HourlyNerd (now Catalant Technologies) an online marketplace that provides global enterprises access to business expertise on demand. Dr. Moira Somers is a psychologist, family wealth consultant, and executive coach based in Manitoba, Canada. She is the behavioural strategist at Knudge (a FinTech company dedicated to improving follow-through on financial advice), as well as the founder of consulting company Money, Mind and Meaning. She is the author of Advice that Sticks: How to Give Financial Advice that People Will Follow. Dr. Somers is a faculty member at the Ultra High Net Worth Institute and the Sudden Money Institute. Undergirding all of her work is her grounded and pragmatic approach to changing financial behaviours, attitudes, relationships and organizations for the greater good of individuals and society.

Estate planning isn't the funnest of topics but wowee it's important! Today's episode is a bit of a 101 around wills and estate planning and we asked Aubrey Brown lawyers, Angela Brischetto and Nicholas Ketley your burning questions. The episode touches on:

Depending on where you get your information, some say we are in a recession and some say we aren't. However, at the end of the day, does it really matter? Today, Brad describes how the experts determine whether we are in a recession or not and how there's more than just one indicator to measure it. Listen now. Show Highlights Include: Does it really matter? (1:37)  More than just one indicator. (4:32)  REAL consumption grew  (7:20)  The concept of growth. (10:46)  Remember the two D's. (15:11)  Can they redefine recession? (19:09)  To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK' and we'll reach out to you. Want to WATCH the show? SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show

Education costs have increased at an exponential rate, creating a significant amount of opportunity for well-thought-out financial planning. In this episode, we discuss the causes for the increased costs and provide information on 529 plans as a solution for self-funding these costs, outside of student loans, in a tax-efficient way. 1:12 - Why tuition costs are increasing exponentially 4:35 - What you can do to plan around education expenses 9:02 - What expenses does a 529 cover, and not cover 10:14 - Alternative methods of funding education expenses 12:37 - FAQ 15:09 - Superfunding a 529 [Planning Strategy] Schedule your free 30-minute consultation at OneDayAdvice.com and mention the podcast.

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In this week's Money news in human words, I unpacked the key messages beyond the headlines and what you need to know to make smarter investing decisions. I talked about fixed rates being cut at the first sign that rate rises sooner than most people think. How smart investors are not being scared off by the price drop in the property space, capitalizing on strong income property returns and low vacancy rates to make money. I talked about wage growth both in Australia and the US and what it means in light of the record inflation that we're seeing at the moment. As well as a bit of a tech rundown on some highs and lows for companies that have been reporting in that space and what you need to know if your super fund has gone backwards in the last 12 months. This episode is perfect for anyone who wants to be able to interpret the headlines and see through some of that fear to make smarter investing decisions.   Want to keep making the right money moves with complete confidence? Upcoming online events: https://www.eventbrite.com.au/organizations/events   Book an Intro Call now to talk more about how  Pivot can help you: http://bit.ly/pivotmoneychat   Free download of my Amazon best-selling book ‘Get Unstuck': https://bit.ly/PivotGUSPod   Pivot Blog for other money tips, tools and hacks: https://bit.ly/PivotBlog

Radelaide, you've been real! In today's live episode Glen and John discuss some great questions around financial independence, putting extra in super, setting habits and so much more. Watch on YouTube: do I need a good credit score?Learn more about TAL here: https://bit.ly/tal-m3podcast

On this episode of #PaisaVaisa, Anupam talks to Arun. They discuss Mirae Asset's latest platform m.Stock, which enables users to trade in shares with virtually zero brokerage. They further discuss how m.stock focuses on the 4 S's of consumer satisfaction. Together they delve into technicalities of high volume days, benefits of zero trade brokerage for users, and how m.Stock's technology changes the way user manage their finances. Users' interest in equity, future market predictions, and much more on this episode of Paisa Vaisa.Paisa Vaisa is India's leading podcast on personal finance with 1m+ downloads, 130+ hours of content and conversations, 150+ guests, and 300+ episodes. Since 2017, Paisa Vaisa has interviewed experts across the spectrum of personal finance covering diverse topics such as mutual funds, stocks, housing, loans, education, crypto, and much more. Listen in now to make smarter decisions with your money!You can know more about m.Stock on:Website: www.mstock.comInstagram: https://www.instagram.com/mstock_inTwitter: https://twitter.com/mstock_inYou can find Arun Chaudhry on:LinkedIn (https://www.linkedin.com/in/arun-chaudhry-8b1a2812/)Get in touch with our host Anupam Gupta on social media:Twitter: ( https://twitter.com/b50 )Instagram: ( https://www.instagram.com/b_50/ )Linkedin: (https://www.linkedin.com/in/anupam9gupta/ )You can listen to this show and other awesome shows on the IVM Podcasts app on Android: https://ivm.today/android or iOS: https://ivm.today/ios, or any other podcast app.You can check out our website at https://www.ivmpodcasts.com/

Welcome to the Alfalfa podcast

Are your subconscious beliefs holding you back from making more money?If a person says they want to earn more, they're likely going to experience mild success. If they say they only want what they need, they're going to head further down the financial path towards struggle and sacrifice.Why is this important?Because when it comes to improving your money mindset, it all begins at the subconscious level.In this episode, Brie Sodano will help you decode your money mindset so you can earn more while working less.Need a video? Video Supply make it easy to create video worldwide. Click here to get started.

Every single advisor and planner recognizes the importance of the human side when working with people and their money. And every single advisor and planner wants practical, tangible ways to embed it in their practice. After exploring the human side of money with 50 of the brightest minds on behavior, psychology, communication and money, I wanted to help make it as practical as possible. Consider this the training that every advisors needs but never received in any training, designation, or certification. Hear are the top 10 insights and ideas from those 50 conversations that you can apply tomorrow. *For more resources discussed in this episode, check out www.wiredplanning.com/episode56 *For more resources and insights on mastering the human side of money (including our popular "Wisdom Round-Up" monthly newsletter), go to www.wiredplanning.com. *Follow Brendan for insights on mastering the human side of advice: Twitter LinkedIn

In today's Office Hours, Eric answers Brianna's question: “What is the real reason that financial advisors have asset minimums?” Take a look under the hood to understand how financial advisors generate revenue, what asset minimums are for, and how BFG is doing things differently with Financial Planning for All.  Have a question? Post it in the comments, tweet it to us at @BrotmanPlanning, or post it on our Facebook and it may be used in a future episode of Office Hours!

This episode is a recording of the Investment and property market update for July 2022. I unpacked the trends that we're seeing in markets, some of the market data and performance data, property market share, as well as some of the things for investors to look out for people that want to make smart money decisions, to see through some of the noise that's out there and figure out what actually makes sense for you. I also talk through some of the problems, mistakes, hacks, and client stories so that you can learn from what others have done to help you make smarter decisions. This episode is perfect for anyone who wants to be more informed about what's going on in the world of finance and how to set up their investments for success.     Want to keep making the right money moves with complete confidence? Upcoming online events: https://www.eventbrite.com.au/organizations/events   Book an Intro Call now to talk more about how  Pivot can help you: http://bit.ly/pivotmoneychat   Free download of my Amazon best-selling book ‘Get Unstuck': https://bit.ly/PivotGUSPod   Pivot Blog for other money tips, tools and hacks: https://bit.ly/PivotBlog

In today's Office Hours, Eric answers Brianna's question: “What is the real reason that financial advisors have asset minimums?” Take a look under the hood to understand how financial advisors generate revenue, what asset minimums are for, and how BFG is doing things differently with Financial Planning for All.  Have a question? Post it in the comments, tweet it to us at @BrotmanPlanning, or post it on our Facebook and it may be used in a future episode of Office Hours!

This week I de-risked. Sold assets. Bought assets. I use the exact method that Ray Dalio uses (18,7 Billion Net Worth) who manages 160 Billion Assets. In this video, I share exactly how I did it.

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Ever been told that "prevention is better than cure"? Well today's episode is a PSA to check your health before you wreck yourself while you're out there making all that cash money. TAL's General Manager of Health Services, Dr Priya Chagan joins Glen on the show to share some simple ways we can all invest in our own preventative health care. As part of this conversation we asked our Facebook group what good health means to you and share some of your responses! Check out the TAL Health Connector here.This is a sponsored episode.

Too many investors wanting to invest ethically or sustainably are being forced to take a leap of faith due to woolly or misleading claims by fund management companies. The Financial Markets Authority has sent a strong message to fund managers to ensure they can back up any promises they make around ethical, responsible or sustainable investment. At the same time there is an array of green banking incentives on offer to help people "green up" their homes and lives. Susie speaks to Paul Gregory from the Financial Markets Authority and Financial Advice's Katrina Shanks about what borrowers and investors need to look out for when it comes to greenwashing in the financial sector?

Physicians seeking independent financial planning advice at a fair price should find financial advisors who mitigate conflicts of interest that cause more harm than good. In this episode of the Finance for Physicians Podcast, Daniel Wrenne talks to Donovan Sanchez, a Certified Financial Planner (CFP) and founder of Skyview Financial Planning. Donovan covers different conflicts of interest that most people are unaware of and the importance of disclosure requirements to find a quality financial advisor. Topics Discussed: • Financial Advisor Types: Anybody working in the financial services industry • Compensation Models: Pay for services via commission, fee-only, or fee-based • Challenging Conflict: Provide advice in advisor's and client's best interest • Teaching/Training: How to make sales and do financial planning to offer advice • Major Manufacturers: Research proprietary products, means of distribution to sell • Learn Language: Talk like a financial advisor to focus on quality or make sales • Clients and Referrals: How many to make sales and create custom plan/advice • Disclosure: Put client's interests first and disclose/manage conflicts of interest • Space and Stability: Become a good financial advisor before giving advice • Find Financial Advisor: Reach out to identify training, guidance, and get paid • Future of Financial Advice: Take step forward to regulate financial advisor title LINKS: www.WrenneFinancial.com Have you ever considered a different way of practicing medicine, whether you are burned out, need a change at pace, or are looking to supplement your income? Locums story.com is the perfect place to start. https://locumstory.com/   

For decades financial advisors were defined by a business model that focused on selling products. Today many advisors, like dentists, are diagnosing a client's financial health before offering a full treatment plan. On this Dentist Money™ Show, Ryan, Matt, and Taylor Sutterfield, CFP®, discuss why more advisors are now building client relationships based on trust. Need answers to your financial questions but not ready for a full-service wealth manager? Check out our new Dentist Money Membership program.Are you ready to fully outsource your financial planning and investment management to a financial advisor who specializes in working with dentists? Check out our Private Wealth Management service.

Buying a home is a big decision. Today, Brad answers 3 key questions to help you decide whether buying a house is RIGHT for you: How much house can you afford? How much monthly income should go toward your home?...and Should you care about interest rates? The answers may surprise you! Listen now! Show Highlights Include: Mortgage Origin Story (3:15)  50 / 30 / 20 Rule (6:35)  What About Interest Rates?  (11:06)  Your Bottom Line. (14:22)  Savings & Loan Discussion (16:38)  Question Of The Day (22:00)  To schedule your complimentary retirement track review, head to https://onecapital.com. You can also call us at 805-410-5454 or text the word ‘TRACK' and we'll reach out to you. Want to WATCH the show? SUBSCRIBE to our YouTube Channel here: The Make Your Money Matter YouTube Show

In this week's Money news in human words, I unpacked the headlines to help you understand what's going on in the world, and how it actually applies to your money. We talked about the potential for negative inflation and interest rates to drop way ahead of what was predicted, as well as the tough conditions in the property market for property sellers, but a huge opportunity that exists for buyers and when that's forecast to start and get less favourable. As well as some of the negotiating tactics that don't work so you can figure out when you do buy a property and how to go about that. Talk about oil prices and the AAN news pitch to create a massive land tax to repay the government's huge debt levels. As well as the investment performance of like 2000 fund managers that have just been doing the end of financial year wrap up, and the Top 10 reasons that investment managers underperformed. So you can figure out what you should do or not do when you invest. This episode is perfect for anyone that wants to make sense of the headlines and make smarter moves with their money as a result.     Want to keep making the right money moves with complete confidence? Upcoming online events: https://www.eventbrite.com.au/organizations/events   Book an Intro Call now to talk more about how  Pivot can help you: http://bit.ly/pivotmoneychat   Free download of my Amazon best-selling book ‘Get Unstuck': https://bit.ly/PivotGUSPod   Pivot Blog for other money tips, tools and hacks: https://bit.ly/PivotBlog

You want to be as financially unbreakable as possible, even after your career ends, right? No matter what age you “retire”, or stop working, you still need to have an income to thrive. So, how do you plan to have an income after you stop working?   In this episode of Off the Wall, hosts David Armstrong and Jessica Gibbs welcome Christine Benz, Director of Personal Finance and Retirement Planning at Morningstar, to talk about how to plan to have an income when you aren't working anymore, regardless of your age.   Listen in to learn the recommended withdrawal rate for spending, the role of asset allocation and inflation in retirement planning, and how to navigate a down market near the end of your career. Plus, you'll learn tips and tactics for making your savings last longer, refilling your cash reserve after spending it, and improving the sustainability of your post-career wealth plan.   “Most people, if they have a more vanilla asset class exposure in their portfolios, will not find easy pickings for rebalancing, which is why I think we come back to this idea of having 12 months', 18 months', 2 years' worth of portfolio withdrawals in cash to protect you in an environment like this one.” – Christine Benz   Episode Timeline/Key Highlights: [00:55] Introducing Christine Benz & The topic of today's episode [02:59] The 4% withdrawal rate explained & Is it still the right rule of thumb for retirement? [08:21] Variables, like bequest motives, that influence your personal withdrawal strategy. [11:38] When is the updated Morningstar report on withdrawal rates coming out? [12:36] Sequence of return risk & How should investors navigate a down market around the end of their full-time job? [21:14] How to refill and rebalance your cash bucket, bond bucket, growth bucket, etc. [29:03] Practical ways to make your savings last longer without compromising your quality of life. [33:55] Do I need a financial planner? [35:36] How to approach rising inflation in retirement. [42:03] Unique challenges and decisions that come with a $5 million+ portfolio.   Relevant Resources & Episodes Mentioned: Listen to The Long View podcast: https://bit.ly/3SaKsJ6 Read “The State of Retirement Income: Safe Withdrawal Rates”: https://bit.ly/3PMxwrl Your Money or Your Brain by Jason Zweig: https://amzn.to/2M96AFx The Little Book of Safe Money by Jason Zweig: https://amzn.to/3bea9Ib   About Christine Benz: Christine Benz is Morningstar's director of personal finance and retirement planning and author of 30-Minute Money Solutions: A Step-by-Step Guide to Managing Your Finances and the Morningstar Guide to Mutual Funds: 5-Star Strategies for Success. She's also the host of Morningstar's podcast, The Long View, where she talks to influential leaders in investing, advice, and personal finance about a wide range of topics like asset allocation and balancing risk and return.   In 2020, Christine was named to the Investment Advisor 25 (IA25), ThinkAdvisor's List of the 25 Most Influential Financial Leaders, and Barron's Inaugural List of 100 Most Influential Women in U.S. Finance.   Connect with Christine Follow her on Twitter: https://bit.ly/3PW0IvQ Connect with her on LinkedIn: https://bit.ly/3ORRBeA Buy Christine's books: https://amzn.to/3QcH8v5 Read articles written by Christine: https://bit.ly/3cZ4tSK Listen to The Long View podcast: https://bit.ly/3bmwdjZ   Connect with Monument Wealth Management Visit our website: https://bit.ly/monumentwealthwebsite Follow us on Instagram: https://bit.ly/MonumentWealthIG Follow us on Twitter: https://bit.ly/MonumentWealthTW Connect with us on LinkedIn: https://bit.ly/MonumentWealthLI Connect with us on Facebook: https://bit.ly/MonumentWealthFB Subscribe to our blog: https://bit.ly/MonumentWealthBlog   About “Off the Wall” Off the Wall is a podcast aimed at helping you answer the questions: What is the point of my wealth, and what actions can I take to accomplish that purpose? Your answers to those questions will be different from everyone else's. As Wealth Managers, we're skilled at helping our clients think through these challenging, but important, questions.    Learn more about our hosts, Dave and Jessica on our website at https://monumentwealthmanagement.com.   Please see important podcast disclosure information at https://monumentwealthmanagement.com/disclosures.    

Check out The Restart Roadmap: Rewire and Reset Your Career now!   This week, Jason is joined by best-selling author, financial expert, and host of her own show, Rachel Cruze! Since 2010, Rachel has worked for her father, Dave Ramsey, and his legendary personal finance empire Ramsey Solutions. Rachel shares her takes on how to tackle credit card debt and student loans, the current real estate market, pay transparency, and investing. Rachel also gives her insights on where she and her father have different approaches, the psychology behind money management, and growing up in a house with a financially strict father. How can you own nice things and not have the nice things own you?  What would Rachel be doing if she hadn't joined the family business? Which Ramsey Solution ventures bring in the most revenue and which are the loss leaders? Rachel reveals all of that and so much more in another episode you can't afford to miss!   Be sure to follow the Trading Secrets Podcast on Instagram & join the Facebook group.   Host: Jason Tartick Voice of Viewer: David Arduin Executive Producer: Evan Sahr   Produced by Dear Media.

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On this episode of #PaisaVaisa, Anupam Gupta talks to Shrehith Karkera, co-founder of Ditto Insurance and Finshots. Shrehith talks about his journey from Finshots to developing and expanding Ditto Insurance. They discuss how Ditto Insurance has successfully filled in the gaps in the online insurance sector by making the insured more aware of their policies. They further discuss the intricacies of the insurance process, technical considerations during choosing an insurance policy, and the logistics of an insurance provider in this episode of Paisa Vaisa.In FY21, India's expected insurance penetration was 4.2%, with life insurance accounting for 3.2% and non-life insurance accounting for 1%. According to the World Bank, India's insurance density in FY21 was 78 US dollars per capita. Over the first half of fiscal year 2022, the life insurance market rose by 5.8 percent, compared to a growth rate of 0.8% during the same time in the prior fiscal year.You can know more about Ditto Insurance by visiting these links:Instagram: (https://www.instagram.com/joinditto/)Twitter: (https://twitter.com/joinditto)You can find Shrehith Karkera on:Twitter: (https://twitter.com/ShrehithK)LinkedIn: (linkedin.com/in/shrehith-karkera-257b0911b)Get in touch with our host Anupam Gupta on social media:Twitter: ( https://twitter.com/b50 )Instagram: ( https://www.instagram.com/b_50/ )Linkedin: ( https://www.linkedin.com/in/anupam9gupta/ )You can listen to this show and other awesome shows on the IVM Podcasts app on Android: https://ivm.today/android or iOS: https://ivm.today/ios, or any other podcast app.You can check out our website at https://www.ivmpodcasts.com/

We had an awesome time recording this episode with our Hobart peeps! Some awesome questions were asked, like:

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Welcome back to Don't Retire… Graduate! As part of our summer throwback series, we're bringing back some of our favorite episodes from seasons passed. Today, we're welcoming back our very own Yanni Niebuhr, CFP®, Chief Investment Officer here at BFG Financial Advisors. Originally released way back in our first season, this episode is still as relevant as ever and covers the financial planning from the perspectives of the Millennial and Gen X generations, and how people are planning differently about the next chapter of their lives. And please join us in congratulating our guest, who, in the time since this episode was recorded, welcomed his second baby boy!   In this episode we'll talk about: How retirement planning is a marathon, not a sprint, and why planning should start early How Yanni, a Towson University grad, got his start in financial planning and what he wants to be when he grows up The sandwich generation and multigenerational financial planning How millennials and adults in their twenties or thirties can be doing to prepare for retirement The average debt and student loans for recent grads and how it can hurt your financial independence Deciding what your financial priority should be Legacy planning and leaving behind things more important than money – freedom, independence, vision, values Talking about money within families and how views can vary with your parents, spouse, or grandparents Side hustles and how they're impacting the idea of FIRE (financially independent retire early) Entrepreneurship and small business self-employment and how it can help you pursue your passions Social awareness and the importance it holds with younger generations Pensions, three-legged stools, social security and other antiquated retirement ideas being replaced by “you're on your own” Living in two-income society vs older generations able to live on a single income Transferring wealth between generations, to children and grandchildren, in tax-efficient ways through life insurance, trusts, and 529 College Savings Plans without creating a Billy Madison situation Unemployment and underemployment, and the shrinking value of college degrees Visit dontretiregraduate.com for a full transcript of this episode.

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Sign up for the Warrior Women 30 Day Challenge for a discounted price of $39!! https://liz-svatek.mykajabi.com/offers/f6wgqkYX/checkout?coupon_code=IAMLIMITLESS There has been such amazing financial advice given on this podcast! In this episode we have gathered wisdom from all our guests on everything from your money mindset and manifesting to practical advice on how to build wealth and expand your assets! Hear from: Diana Greshtchuk- Trauma-Informed Financial Literacy Coach- https://www.instagram.com/fanyourflamellc/ Catherine Gray- Award-Winning Producer, Author, TEDx Speaker- https://www.instagram.com/catherinegray_investinher/ Kalika Yap- serial entrepreneur, author, inventor, brand agency ceo- https://www.instagram.com/kalikayap/ Dr. Maria Nemeth- ✍️Author: Energy of Money- https://www.instagram.com/drmarianemeth/ Monick Halm- founder of @reigoddesses - Real Estate Investor Goddesses- https://www.instagram.com/monickhalm/ Rita Bocuzzi- FINANCIAL EXPERT | COACH- https://www.instagram.com/ritaboccuzzi/ Gaby Abrams-

Nobody gets into a long term relationship planning for it to go south, but it's good to know what happens if you do part ways.*** Trigger warning: This episode covers topics relating to relationship breakdown and separation. If you are experiencing issues like domestic or family abuse please reach out to 1800respect.org.au or 1800 737 732.Big thanks to Aubrey Brown family lawyers, Tanya Hibberd and Kate O'Grady for joining us on the show. They answer a bunch of questions from Glen and the m3 community, including: