Podcasts about investment planning

With recent market turbulence — fueled by geopolitical tensions, rising oil prices, tariffs, and inflation — many retirees are feeling the pressure. How do you stay grounded when everything is shifting? In this week's podcast, we break down how these forces can impact your retirement income strategy and why having a proactive, long-term plan is more important than ever. What you'll learn: - How Fed policy is evolving in response to rising energy costs and global conflict - Why keeping a cash reserve and avoiding emotional moves matters now  - Strategies to adjust your portfolio during periods of sustained volatility Listen in.  >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>  LET'S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/  

We take the time this week to explore the evolving dynamics of retirement planning. Gone are the days when a 30-year tenure at a single company culminated in a comfortable pension and a worry-free retirement. Today, retirees face a complex array of challenges, including inflation, market volatility, and the gradual disappearance of traditional pension plans.​ We delve into how the Federal Reserve's monetary policies influence interest rates, impacting both savings and investment returns. We also discuss the shift from defined benefit to defined contribution plans, placing more responsibility on individuals to manage their retirement savings effectively.​ With life expectancies extending into the late 80s and beyond, the need for a sustainable retirement income strategy has never been more critical. We also address your listener questions, providing insights into creating a resilient financial plan that accounts for longer lifespans, healthcare costs, and the need for income distribution strategies that adapt to changing economic conditions.​ Listen in. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>  LET'S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/ ​

Send us a textWelcome back to the Retirement Learning Lab! In this episode, Van Richards continues the "Getting Your Financial House in Order" series by showing you how to transform your organized documents into a crystal-clear picture of your true financial position.What You'll Learn:The critical difference between having organized documents and actually knowing what you're worthWhy even intelligent professionals struggle with financial planning (featuring real client stories)The three essential components of a complete financial inventoryHow to avoid the costly mistakes that could derail your retirementReal Stories That Will Open Your Eyes: Van shares two powerful client stories: Bob and Susan, who discovered they had $750,000 MORE than they thought (and could have retired years earlier), and Tom, who thought he had $900,000 but actually had only $525,000 (avoiding a retirement disaster).Key Topics Covered:Assets, liabilities, and net worth calculationSpecial considerations for retirement planningTax implications of different asset typesLiquidity considerations and growth vs. income assetsHow high debt can block access to reverse mortgagesThe emotional side of financial discoveryYour Free Tool: Download the Retirement Life Workbook Module 1 at forms.richardsfinancialplanning.com - the same organizational system Van uses with paying clients, now available free to help you create your comprehensive financial inventory.Action Steps for This Week:Gather all financial statementsList every asset with current valuesDocument all liabilities and debtsCalculate your net worth and liquid net worthReview everything with your spouseRemember: You can't solve problems you don't know you have, and you can't take advantage of opportunities you don't know exist. Your journey from insecure to in control starts with knowing exactly where you stand today.Next Week: Understanding what your financial inventory means for your retirement goals and tax-sensitive account strategies.Educational content only - not investment advice

This week's podcast sheds light on seven critical yet often overlooked warning signs that could derail your retirement plans.  1. Market Volatility: Sudden market swings can significantly impact your retirement savings, especially if they occur early in your retirement. Understanding sequence of returns risk is crucial to safeguarding your nest egg.  2. Inflation's Silent Erosion: Over time, inflation can diminish your purchasing power, affecting your ability to maintain your desired lifestyle. It's essential to have strategies in place to combat this silent threat.  3. Outdated Estate Plans: Life changes, and so should your estate plan. Failing to update your estate documents can lead to unintended consequences for your heirs. 4. Overspending in Early Retirement: The initial years of retirement can be exciting, but excessive spending during this period can jeopardize your long-term financial security. 5. Lack of a Comprehensive Retirement Plan: Without a structured plan, you may find yourself unprepared for the financial challenges of retirement. A well-thought-out strategy is essential for peace of mind.  6. Staying Stuck in the Risky Growth Phase: While growth investments have their place, failing to adjust your portfolio as you age can expose you to unnecessary risks. It's vital to reassess and rebalance your investments periodically. 7. Neglecting to Rebalance Your Portfolio: Over time, your asset allocation can drift from its intended targets. Regular rebalancing ensures your portfolio remains aligned with your risk tolerance and financial goals. Listen in.  >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>  LET'S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/

With retirement around the corner, it's time to rethink outdated financial rules. In today's world, applying strategies from 1995 to your retirement could leave you unprepared and vulnerable. Mike Douglas emphasizes the importance of personalized retirement planning, considering your unique needs, risk tolerance, and goals. Key actions include determining your net after-tax income, identifying any gaps, and finding low-risk solutions tailored to you. Whether you are comfortable with risks or prefer low volatility, understanding the intricacies of sequence of returns, taxes, and estate planning is crucial. Start planning now to make retirement work for you. Schedule your complimentary appointment today: MichigansRetirementCoach.com Follow us on social media: YouTube | Facebook | Instagram | LinkedInSee omnystudio.com/listener for privacy information.

This week's podcast is focused on the intricacies of Required Minimum Distributions (RMDs) and Roth IRA conversions—two pivotal elements in retirement planning. With the age for initiating RMDs now set at 73, retirees are compelled to withdraw a minimum amount annually from their traditional retirement accounts, potentially escalating their taxable income. We explore strategies to manage these distributions effectively, including the timing of withdrawals and the implications of deferring the first RMD to April 1 following the year one turns 73. Transitioning to Roth IRA conversions, the discussion highlights how converting traditional IRA funds to a Roth IRA can offer tax-free growth and eliminate future RMDs. However, this strategy requires careful consideration of current tax brackets, potential Medicare premium increases, and the availability of non-retirement funds to pay the taxes due upon conversion. We also address advanced concepts such as: - Strategic Timing of Conversions to minimize tax impact  - Partial Conversions (preading conversions over several years to manage tax liabilities and avoid pushing into higher tax brackets)  - Legacy Planning (leveraging Roth IRAs to provide tax-free inheritances to beneficiaries, enhancing estate planning strategies)  Listen in. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>  LET'S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/

This week on the podcast we delve into the rising interest in annuities as a response to current economic uncertainties. With market volatility, discussions of potential recessions, and global tensions, many retirees are seeking stability over growth, making annuities an attractive option for guaranteed income.​ We explore how annuities function, their benefits in providing a steady income stream, and the reasons behind their recent surge in popularity. However, it's essential to understand that annuities aren't a one-size-fits-all solution. We'll discuss scenarios where annuities might not be the best fit, highlighting potential drawbacks such as fees, liquidity concerns, and the importance of aligning financial products with individual retirement goals.​ Tune in to gain a comprehensive understanding of annuities and determine if they align with your retirement strategy in these unpredictable times.​ >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>  LET'S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/

In this episode of the Providence Financial Retirement Show, we discuss the recent implementation of President Trump's tariffs and their potential impact on the economy and retirees. With tariffs reaching up to 145% on Chinese imports, consumers may face higher prices on everyday goods, from electronics to clothing. Anthony discusses how these tariffs, intended to protect domestic industries and influence trade negotiations, can lead to increased inflation and market volatility. For retirees on fixed incomes, this could mean a decrease in purchasing power and potential adjustments to retirement plans. The episode also explores strategies to mitigate these risks, emphasizing the importance of diversification and a balanced portfolio. By understanding the broader economic implications of tariffs, retirees can make informed decisions to safeguard their financial future. Listen in to gain insights on how to navigate the complexities of the current economic landscape and ensure a stable and secure retirement. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>  LET'S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/  

Investment Planning for Retirement: Creating Income Streams Through Dividends Market Volatility and Your Retirement Plan: Why Income Matters In today's unpredictable market environment, having a clear investment plan is more […] The post Investment Planning for Retirement: Creating Income Streams Through Dividends appeared first on Dupree Financial.

In this episode of the podcast, we delve into the often-overlooked emotional aspects of retirement planning. While market corrections, geopolitical tensions, and economic uncertainties can stir anxiety, it's the mastery over our emotional responses that truly determines retirement success.​ A successful retirement isn't solely about the size of your portfolio but about ensuring a steady income stream that lasts a lifetime. Drawing parallels between financial strategies and emotional preparedness, we discuss how understanding concepts like sequence of returns risk and maintaining a diversified portfolio can safeguard your retirement income. Moreover, we highlight the importance of having a well-thought-out plan that anticipates market volatility, ensuring that decisions are made based on strategy rather than emotion.​ Listen in to gain insights on how to align your financial plans with emotional resilience, ensuring that your retirement years are not only financially secure but also filled with peace of mind.​ >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>  LET'S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/

In this episode, we delve into the crucial concept of risk tolerance and why understanding your comfort level with potential losses is the bedrock of any sound investment strategy. We'll explore the spectrum of risk profiles, from conservative to aggressive, and provide practical tools to help you accurately assess where you fall. Discover how aligning your investment choices with your risk tolerance can lead to greater financial peace of mind and ultimately increase your chances of achieving your long-term goals.

In this week's podcast, we delve into four critical aspects of retirement planning that can significantly impact your financial future.​ - Roth Conversions: This strategy involves transferring funds from a traditional IRA or 401(k) to a Roth IRA, paying taxes on the converted amount now to enjoy tax-free withdrawals later. It's particularly beneficial if you anticipate higher tax rates in the future or want to reduce required minimum distributions (RMDs) in retirement. ​ - Inflation: Over time, rising prices can erode the purchasing power of your retirement savings. Even modest inflation rates can significantly impact your ability to maintain your desired lifestyle, making it essential to incorporate inflation-protected investments into your portfolio. ​ - Sequence of Returns Risk: This refers to the danger of experiencing poor investment returns early in retirement, which can deplete your portfolio more rapidly due to simultaneous withdrawals. Implementing strategies like adjusting withdrawal rates or maintaining a diversified portfolio can help mitigate this risk. ​ - Bonds: Traditionally seen as a stable income source, bonds can provide diversification and reduce overall portfolio volatility. However, in certain economic climates, such as periods of rising interest rates or inflation, bonds may underperform, necessitating a reassessment of their role in your investment strategy. ​ Listen in as we explore these topics to help you make informed decisions for a secure and comfortable retirement.​  >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>  LET'S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/

Is the Smith Maneuver really the smartest move for the extra money you have sitting around? What about for a corporation's retained earnings?If you're an incorporated business owner in Canada, you've likely heard the hype around using the Smith Maneuver to make your mortgage tax-deductible and accelerate your investments. But what if tapping into your corporation to do it is actually costing you more in income taxes than it's earning in returns? This episode tackles a real-life scenario that flips the traditional advice on its head—and shows how business owners can unlock greater wealth without bleeding money to the CRA.Here's what you'll discover in this episode:Why using corporate funds for the Smith Maneuver can backfire—and what the hidden tax drag really looks like A smarter, tax-efficient alternative that turns your corporation into a wealth engine using high early cash value participating whole life insuranceHow to structure investments inside your business to grow your net worth and your estate—by hundreds of thousands over timeIf you want to protect your wealth and grow it smarter, press play now to rethink how your corporation fits into your long-term financial freedom strategy.Ready to take a deep dive and learn how to generate personal tax free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereDiscover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyleif you've been……taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.In this episode of the Canadian Wealth Secrets podcast, Kyle Pearce explores why the traditional Smith Maneuver may not be the most effective strategy for certain Canadian business owners with significant retained earnings. By analyzing a real-world scenario, Kyle breaks down the tax implications of pulling funds from a corporation to implement the Smith Maneuver versus using a more strategic corporate wealthReady to connect? Text us your comment including your phone number for a response!Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

In this episode, we explore how retirement planning can resemble a magic show—filled with illusions that may mislead.We'll discuss how perceived low-risk investments might carry hidden dangers, the importance of distinguishing between market volatility and actual financial loss, and the value of having a knowledgeable advisor to guide you through the complexities. Just as a magician's assistant is crucial to the performance, a trusted financial advisor can be essential in navigating your retirement journey. Join us as we uncover the truths behind the myths and help you plan for a retirement that's grounded in reality.​ Listen in.  >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>  LET'S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/

In this week's episode, we delve into the recent market volatility and the factors contributing to it, including trade policy uncertainties and economic growth concerns. We discuss the importance of having a well-structured plan that anticipates market fluctuations, ensuring you're prepared to respond calmly rather than react emotionally. Just as regular health check-ups can catch issues early, proactive portfolio planning can help you navigate market downturns effectively. Listen in to learn how being properly invested for your phase of life can turn market corrections into opportunities rather than setbacks.​ >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>  LET'S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/

This conversation delves into the complexities of retirement planning, emphasizing the emotional aspects of financial decisions, the impact of national debt on personal finances, and the importance of strategic savings and tax planning. Steve highlights common challenges faced by individuals approaching retirement and offer insights into effective financial management and planning. Get Your Complimentary Retirement Analysis Social Media: Facebook I Twitter See omnystudio.com/listener for privacy information.

In this episode, we explore critical areas where procrastination can lead to unexpected challenges in retirement. By addressing these issues early, you can ensure a more secure and comfortable future:​ 1. Tax Planning: Delaying tax strategies can result in higher liabilities during retirement. Proactive planning helps minimize taxes on withdrawals and investments, preserving more of your savings. ​ 2. Long-Term Care: Many underestimate the likelihood of needing long-term care, which can be costly. Early planning, including considering insurance options, can protect your assets and provide peace of mind. ​ 3. Home Maintenance: Neglecting regular upkeep can lead to significant expenses down the line. Addressing repairs promptly maintains your home's value and prevents larger issues during retirement.​ 4. Retirement Account Withdrawals: Without a clear strategy, you risk depleting your savings too quickly or facing unexpected tax consequences. Understanding withdrawal rates and tax implications is crucial for sustaining your income. ​ 5. Estate Planning: Postponing the creation of a comprehensive estate plan can lead to legal complications and unintended asset distribution. Establishing wills, trusts, and powers of attorney ensures your wishes are honored and your loved ones are protected. ​ By taking action in these areas now, you can prevent future discomfort and secure a more predictable and comfortable retirement.​ >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>  LET'S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/

In this episode, we examine eight common retirement expectations and contrast them with the realities many retirees face: 1.  Lower Expenses: Many anticipate reduced living costs in retirement, but factors like healthcare, travel, and leisure activities can keep expenses high. 2. Manageable Healthcare Costs: While some believe Medicare will cover all health expenses, out-of-pocket costs for services like dental, vision, and long-term care can be substantial. 3. Reduced Taxes: It's a common belief that taxes decrease in retirement; however, withdrawals from tax-deferred accounts and other income sources may keep tax liabilities significant. 4. Optimal Social Security Strategy: Many assume they're maximizing Social Security benefits, yet factors like timing and spousal benefits can greatly influence the amount received. 5. Continuing to Work: Some plan to work part-time during retirement, but health issues or job market challenges can hinder this intention. 6. Reliable Financial Advice: Trusting that all financial advisors have one's best interests at heart can be misguided; it's essential to ensure advisors are fiduciaries committed to acting in your favor. 7. Consistent Investment Income: Relying solely on investments for income assumes market stability, yet market volatility can impact returns and financial security. 8. Certainties in Retirement: While some aspects are unpredictable, retirees can anticipate factors like market fluctuations, legislative changes, inflation, and unforeseen expenses, emphasizing the need for flexible planning. Listen in as we explore these topics to help you better prepare for a retirement that aligns with reality.  >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>  LET'S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/

Investment Planning for Retirement: Creating Income Streams Through Dividends Market Volatility and Your Retirement Plan: Why Income Matters In today's unpredictable market environment, having a clear investment plan is more […] The post Investment Planning for Retirement: Creating Income Streams Through Dividends appeared first on Dupree Financial.

In this episode, we challenge conventional retirement planning approaches that may not suit everyone's unique needs: The Buy-and-Hold Dilemma: Wall Street often promotes a buy-and-hold strategy, encouraging investments in stocks and mutual funds without considering how to convert these assets into usable income during retirement. Without a clear plan to liquidate these assets, retirees might struggle to access their wealth when needed.​ The 4% Withdrawal Rule Revisited: Traditionally, retirees have been advised to withdraw 4% of their portfolio annually to sustain their retirement funds. However, recent analyses suggest that this rule may no longer be as reliable, especially given today's economic conditions and longer life expectancies. Market Resilience Assumptions: Advisors often reassure clients to "hang in there" during market downturns, asserting that markets will rebound over time. While this may hold true in the long run, it doesn't account for individual circumstances, such as age and risk tolerance, which are crucial in retirement planning.​ Join us as we explore these topics and discuss personalized strategies to ensure your retirement plan aligns with your unique goals and circumstances. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>  LET'S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/

In this episode, we delve into two primary strategies for funding your retirement: Income Method (Interest and Dividends): This approach focuses on generating income by investing in assets that provide regular interest or dividend payments, such as bonds or dividend-paying stocks. By living off this income, you preserve your principal investment, potentially extending the longevity of your portfolio. Withdrawal Method (Selling Shares): This strategy involves systematically selling portions of your investment portfolio to fund your retirement expenses. A common guideline here is the "4% rule," which suggests withdrawing 4% of your portfolio in the first year of retirement and adjusting that amount for inflation in subsequent years. However, this method can be vulnerable to market fluctuations and may risk depleting your assets over time. If you've been following our show, you likely know which method we favor. Listen in to learn more about these strategies and discover why we advocate for one over the other. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>  LET'S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/

Tripp Limehouse discusses the impact of current economic headlines on retirement planning. They explore the implications of tariffs, market volatility, and a global economic slowdown, emphasizing the importance of having a solid financial plan. Tripp introduces the Green Line Principle as a safe money strategy to protect retirement savings and discusses actionable steps retirees can take to secure their financial future. The conversation emphasizes the need for intentional planning to ensure a fulfilling retirement while addressing the realities of aging and financial security. Call 800-940-6979. Visit Limehouse Financial to learn more.See omnystudio.com/listener for privacy information.

On this week's episode of "Financial Planning: Explained”, host Michael Menninger, CFP is join again by Kyle Ryan CFP. ChFC. Kyle is a financial planner at Menninger & Associates Financial Planning. This is the sixth episode of a multi-episode Q&A series. In this episode, Mike and Kyle continue to address common questions regarding investment planning. The guys cover individual stocks vs index funds, alternative investments (such as real estate or commodities), employee sponsored retirement plans, and tax implications of investments. This is a great episode for anyone who wants to understand the more technical side of investing. For more information on Menninger & Associates Financial Planning visit https://maaplanning.com

Retirement isn't just about leaving work — it's about stepping into a new chapter of life with purpose and intention. But too many retirees find themselves feeling lost once they're no longer defined by their careers. Who are you now, and what will you do to stay fulfilled? In this episode, we'll discuss how to be proactive in shaping a meaningful retirement. We'll cover: ✔️ The importance of staying active and setting clear personal goals ✔️ How to redefine your identity and purpose beyond your job ✔️ Making the crucial shift from the accumulation phase to the distribution phase of your financial life ✔️ Strategies to ensure your retirement years are not just financially secure, but deeply fulfilling Retirement is your time to thrive, not just coast. Listen in and learn how to create a life you love in this next phase.  >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>  LET'S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/

Welcome to another how-to lesson from Gino Barbaro, co-founder of Jake & Gino! Today, we're diving deep into asset protection and estate planning—two essential strategies every real estate investor must understand.If you're just starting or already own multiple properties, structuring your assets correctly can safeguard your wealth for the long term. From LLCs vs. trusts to avoiding probate, this video will help you build both your castle and the moat that protects it!What You'll Learn:The importance of separating assets into different entitiesHow to prevent legal exposure with the right structuresWhy estate planning is critical—even when you're youngHow poor planning can cost millions (real-world case studies)The #1 mistake most investors make (and how to avoid it!) Need guidance on structuring your investments? Contact Barth Calderon for estate planning assistance. For a copy of my book, Happy Money, Happy Family, Happy Legacy, email me at gino@jakeandgino.comDon't wait! Estate planning isn't just for the wealthy—it's for anyone who values control over their legacy. Start today! We're here to help create multifamily entrepreneurs... Here's how: Brand New? Start Here: https://jakeandgino.mykajabi.com/free-wheelbarrowprofits Want To Get Into Multifamily Real Estate Or Scale Your Current Portfolio Faster? Apply to join our PREMIER MULTIFAMILY INVESTING COMMUNITY & MENTORSHIP PROGRAM. (*Note: Our community is not for beginner investors)

This week on "Financial Planning: Explained”, host Michael Menninger, CFP welcomes Kyle Ryan CFP. ChFC. Kyle is a financial planner at Menninger & Associates Financial Planning. This is the fifth episode of a multi-episode Q&A series. In this episode, Mike and Kyle answer common questions regarding investment planning. In this episode, the guys cover the basics of investing, including: stocks, bonds, mutual funds, asset allocation, diversification, index funds, and risk. This is a great episode for anyone who is looking to invest in any type of retirement fund. For more information on Menninger & Associates Financial Planning visit https://maaplanning.com

Just like sports, retirement requires a solid game plan. Are you ready for the biggest game of your life? In this episode, we'll walk you through the Retirement Playbook — a strategic guide to ensure all the components of your retirement work together seamlessly so you can win the retirement game. But what does “winning” in retirement actually mean? It's about having financial security, peace of mind, and the freedom to enjoy life on your terms. Just as no sports team relies on a single play, your retirement shouldn't depend on just one strategy. We'll discuss how to build a flexible plan that can adapt to whatever life throws your way. And just as important as the playbook is choosing the right coach. In the second half of life, you need an advisor who focuses on defense — protecting your assets — rather than risky offensive plays. Listen in to learn how to create a winning retirement strategy and make sure you're fully prepared for “game day”. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>  LET'S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/

Got questions about retirement? You're not alone! In this special Q&A episode, we're tackling some of the most common questions we've received, including:

A secure and stress-free retirement doesn't happen by chance — it requires understanding key financial concepts that can make or break your retirement plan. In this episode, we're covering eight crucial retirement principles that every retiree and pre-retiree should know, including: ✅ Sequence of Returns Risk – Why market downturns early in retirement can be devastating ✅ The 4% Rule – Is it still a reliable withdrawal strategy? ✅ Longevity Risk – How to make sure your money lasts as long as you do ✅ Bond Laddering – A smart way to generate steady income ✅ Required Minimum Distributions (RMDs) – What you need to know to avoid penalties ✅ Asset Allocation – Finding the right balance between growth and security ✅ Inflation Risk – How rising costs impact your retirement income ✅ The Bucket Strategy – A structured approach to managing your retirement funds Ignoring these concepts could lead to costly mistakes — but understanding them can help you retire with confidence. Listen in to learn how to protect and grow your wealth for the long haul. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>  LET'S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/

Eric Kearney and Joseph Lanza delve into the concept of behavioral finance and its implications for retirement planning. They discuss how emotional triggers and investment behavior can significantly impact financial decisions, especially during market volatility. The conversation emphasizes the importance of understanding one's relationship with money, the need for proper financial planning, and the role of financial literacy in making informed investment choices. The hosts also highlight the value of working with a financial advisor to navigate the complexities of investing and retirement income planning. Call Eric Kearney 800-779-1942 Visit Retirement Wealth LLC to learn more. Text Eric to 600700.See omnystudio.com/listener for privacy information.

Retirement isn't just a single event — it's a journey with important milestones along the way. There are specific ages when you become eligible for certain benefits, gain new financial opportunities, or face new restrictions. Knowing these key moments can help you maximize your savings, avoid penalties, and make smarter decisions about your retirement future. In this episode, we'll break down 10 crucial retirement milestones, including: ✔️ age 50 (catch up contributions) ✔️ age 55 (401k early withdrawal exception) ✔️ age 59 1/2 (take money out of IRAs without any penalty, and do in-service withdrawals with your 401k) ✔️ age 60 (can start collecting survivor benefits for Social Security) ✔️ age 62 (earliest age to claim Social Security) ✔️ age 65 (can enroll in Medicare) ✔️ age 65-67 (full retirement age, when you can collect the full amount of Social Security you're entitled to) ✔️ age 70 (the latest you can wait to start collecting Social Security) ✔️ ages 73 and 75 (have to start taking Required Minimum Distributions out of pre-tax retirement accounts) Listen in to ensure you're prepared for every step of the journey. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>  LET'S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/

Long-term care (LTC) insurance has changed, and it may not be as expensive or complicated as you think. In this episode, we break down asset-backed long-term care insurance—how it works, why it's different from traditional LTC policies, and whether it's the right solution for you. We'll also discuss what long-term care actually is, who might need it, and the common misconception that Medicare will cover these costs. While Medicare does provide some assistance, coverage is extremely limited—leaving many retirees exposed to significant out-of-pocket expenses. For example, after just 20 days of care, you could be responsible for up to $16,000 in co-payments over the next 30 days! If you want to protect your assets and ensure you have the right plan in place, this is a show you don't want to miss. Listen in to learn how to prepare for the future without breaking the bank. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>  LET'S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/

The recent devastating fires in Southern California have been a harsh reminder of how quickly life can change. Many losses were irreplaceable—personal memorabilia, sentimental items, and even lives, in some cases, because warnings weren't heeded. Just as it's crucial to prepare for physical emergencies, the same applies to your retirement. In this episode, we discuss five essential steps to safeguard your financial future, no matter what lies ahead: 1️⃣ Building an emergency fund 2️⃣ Minimizing debt 3️⃣ Creating a sustainable withdrawal strategy 4️⃣ Preparing for healthcare costs 5️⃣ Stress-testing your portfolio for financial disasters Just because the past 15 years have been smooth doesn't mean the future will be. Listen in to learn how to protect your retirement from unexpected challenges—before it's too late.   >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>  LET'S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/

It's hard to believe the time is already here, but starting this week we'll have a new President. With this transition, many retirees are wondering: How will the Trump Presidency impact my retirement over the next four years? In this episode, we break it down into two key areas: taxes and the economic environment. We'll discuss potential tax changes, how they could affect your retirement income, and what steps you can take to prepare. We'll also explore the broader economic outlook, including interest rates, market trends, and inflation, and what they mean for your investments and financial security. No matter what changes lie ahead, the key to a stress-free retirement is preparation. Listen in to learn what you need to know and how to keep your retirement strategy on track—no matter who's in office. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>  LET'S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/  

This week on "Financial Planning: Explained”, host Michael Menninger, CFP is joined again by with Nick DeVito, CFP and Ryan Keefe, CFP. Nick and Ryan are both financial planners at Menninger & Associates Financial Planning. In this episode, the guys wrap up part two of a two-part series on financial planning considerations for the start of the new year. They discuss the final three topics of financial planning, including: Investment Planning, Retirement Planning, and Estate Planning. This covers everything from risk tolerance and retirement planning to beneficiaries in your will. This is a great episode for anyone looking to create good financial planning habits for the new year. For more information on Menninger & Associates Financial Planning visit https://maaplanning.com

This week's show is a little different! Over the holidays, we received a flood of great questions, and today we're dedicating the episode to answering as many as possible. We'll cover a range of topics, including taxes, annuities, reverse mortgages, and how fixed-income portfolios might react if the FED lowers interest rates. Listen in. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>  LET'S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/

As we step into a new year, it's the perfect time to pause and reflect on your retirement journey. Take a moment to look back at last year — did you achieve the financial milestones you set? What worked well, and what could have been better? Reflecting on these experiences is key to making more informed decisions moving forward. Now, shift your focus to this year. What are your top priorities? This is what our first podcast of 2025 (and of season 6, would you believe it?) is all about — focusing on setting clear, actionable steps to secure your financial future:  - health care planning - tax strategies - reviewing your investments - creating a bucket list - emergency fund - lifestyle considerations - estate planning  Listen in.  >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>  LET'S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/

What if some of the beliefs guiding your retirement and investment decisions aren't true? In this episode, we dive into the critical difference between opinions—ideas that can't be proven—and facts, which are backed by evidence. Just as humanity once believed the Earth was flat or the center of the universe, we may be holding onto outdated assumptions about money, retirement, and investing. Join us as we question the “truths” we take for granted and explore how shifting your perspective can lead to smarter financial choices and a more secure retirement. We'll also dive into the seven main risks of retirement and how to prepare for them. Listen in.  >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>  LET'S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/

With a triple-red government ahead, one of the most common questions I hear is, "How should we invest now?" The truth is, the answer remains the same—your investment strategy should align with the phase of life you're in, regardless of who's in office. In this episode, we break down the three key life phases for investing: accumulation, protection, and distribution. Learn how to identify your phase, align your investments with your goals, and create a plan that ensures you can retire on schedule—no matter what happens in the world of politics. Listen in to gain peace of mind and clarity as we head into 2025. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>  LET'S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/

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Retirement is meant to be a time of freedom and enjoyment, but are you truly in charge of your financial future, or is it controlling you? Too often, I talk to retirees who are letting fear or indecision shape their retirement. Whether it's trying to avoid taxes, delaying Roth conversions, or ignoring the need to plan for long-term care, these choices can lead to worry and stress — even in retirement. When your retirement plan is set up the right way, you can enjoy life without stressing about the economy or politics. In this episode, we dive into strategies to help you take back the reins and ensure your retirement plan works for you so you can enjoy it fully — no matter what comes your way. Tune in to learn how to make your retirement truly yours. >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>  LET'S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/

As the year comes to a close, it's the perfect time to review your financial plan and ensure you're set up for a successful retirement. In this episode, we walk through a 10-point checklist to help you maximize savings, optimize taxes, and fine-tune your retirement strategy before the new year begins. 1. Required Minimum Distributions  2. Roth conversions  3. tax-loss harvesting  4. tax bunching  5. Medicare  6. charitable contributions  7. evaluating your estate plan  8. budgeting and cash flow planning  9. evaluating your risk exposure  10. making sure you have the appropriate investments for your phase of life Listen in.  >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>  LET'S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/

Gregory Ricks and Wes Blanchard discusses the importance of estate planning, emphasizing the need for wills and powers of attorney. They highlight the risks of holographic wills, which can often be challenged in court. Wes shared insights from a seminar at Loyola Law School, noting that most estate litigation cases involve handwritten wills. They stressed the benefits of having a professional handle estate planning to avoid delays and costs. Gregory encourages listeners to plan their estates to ensure smooth transitions and avoid family disputes. They also discuss the importance of having a relationship with an experienced attorney for efficient and cost-effective estate administration. Gregory Ricks discusses the importance of financial planning, emphasizing the need for ongoing relationships with financial advisors. He outlines the five core pillars of financial planning: income, investment, tax, healthcare, and estate planning. Gregory highlights the value of coaching and continuous learning, mentioning his own investment in coaches and conferences. He addresses the misconception that financial advisors are too expensive, arguing that their value far outweighs their fees. Gregory also covers the taxation of Social Security benefits and the importance of understanding combined income for tax purposes. He concludes by encouraging listeners to plan for their retirement and emphasizes the role of financial advisors in guiding clients through market volatility and making informed decisions.KEY TOPICS:Estate Planning, Thanksgiving Episode, Financial News, Power Of Attorney, Holographic Wills, Independent Administrator, Executor Role, Succession Process, Family Disputes, Financial Advisor, Will Updates, Legal Fees, Asset Inventory, Court Litigation, Financial Security, Income Planning, Investment Planning, Tax Planning, Healthcare Planning, Estate Planning, Financial Advisor, Relationship Building, Ongoing Process, Financial Coaching, Retirement Planning, Social Security, Tax Strategies, Market Volatility, Financial Risks, Dementia PlanningFor LIVE financial news talk radio, tune into "Winning at Life with Gregory Ricks" LIVE on Saturday Mornings on:WRNO-News Talk 99.5 FM New Orleans - 10 am - 1 pmWBUV-News Talk 104.9 FM  Biloxi - 10 am - 1 pmORFor financial news talk ON DEMAND, tune into the Ask Gregory Podcast for more financial topics that may interest you! Visit: https://gregoryricks.com/podcast/

For the past ten years, the School of Business at the College of Charleston has been hosting the Strategic Investment Symposium, a conference to help people evaluate their investment strategies for the new year.

Summary: In this episode of the Retirement Lifestyle Show, hosts Adrian Nicholson and Roshan Loungani discuss the importance of personalized planning in financial management. They emphasize the need to look beyond mere numbers and focus on qualitative factors such as risk tolerance, longevity expectations, personal values, and lifestyle outlook. The conversation highlights how these subjective elements can significantly impact financial planning and decision-making, ultimately leading to a more fulfilling experience. Chapters 00:00 Introduction to Personalized Planning 01:04 The Importance of Qualitative Factors 06:13 Understanding Attitude Towards Risk 12:19 Longevity Expectations in Planning 24:33 Aligning Values with Financial Goals 28:40 Lifestyle Outlook and Adaptability Follow Us At: Website: https://retirementlifestyleshow.com/ https://www.retirewithroshan.com https://youtu.be/hKVzI87v0tA https://twitter.com/RoshanLoungani https://www.linkedin.com/in/roshanloungani/ https://www.facebook.com/retirewithroshan/ https://www.linkedin.com/in/financialerik/ https://www.linkedin.com/in/adrian-nicholson-74b82b13b All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional

The Life & Money Show Financial Wellness Blueprint1. Define what financial wellness means to you.2. Figure out the big rocks in your way.3. Get familiar with your money.4. Create short-term and long-term goals.5. Give yourself permission to do something with your money that feels good.Holistic Approach to Financial Wellness [00:09:50] Wellness is really that relationship between you and your money and how you feel about it and how it impacts your life, because I know times in my life when I had very little in the bank account, but I felt really good about my money and where I was at and where I was going.  [00:20:52] There's billionaires who never feel like they have enough. And so to be able to define what is enough for you and start to think about how the world is abundant around us instead of scarce, again, that's not just looking at the problems, it's looking at the solutions and other opportunities around us.  [00:28:04] Because your vision of financial wellness today might be different from what it was back in your 20s, or what it will be 10 years from now, 20 years from now. So, it's good to continually reflect on what financial wellness might be.  WANT TO LEARN MORE ABOUT INVESTING? If you're new to passive real estate investing, our FREE 7-day email course is perfect for you. It was designed to teach you all the basics to help you confidently begin your passive investing journey and achieve the financial freedom and lifestyle of your dreams. CONNECT WITH USIf you have done any of these actionable exercises, tell us how it went by sending an email to podcast@goodegginvestments.com. Connect with GoodeggWebsite - https://goodegginvestments.com/YouTube - @GoodegginvestmentsInstagram - @goodegginvestments

In this episode of the Physician Family Financial Advisors podcast, hosts Nate Reineke and Ben Utley, both Certified Financial Planners, delve into a variety of financial strategies tailored specifically for physician families. They explore how to maximize the safety and returns on extra cash by examining different investment options such as U.S. Treasuries, T-bills, ultra-short-term bond funds, ETFs, CDs, and high-yield savings accounts. Through real-life stories, including a cautionary tale from Reddit, they offer practical advice on maintaining liquidity while earning interest without the hassle of trading complexities.The episode also covers essential tax strategies and financial planning tips. The hosts discuss the pros and cons of private family foundations, the intricacies of 401(k) vesting schedules, and the importance of consulting financial advisors when changing jobs. They provide insights into lump sum investing versus dollar cost averaging, helping you make confident financial decisions.Join us for an episode packed with expert advice and actionable tips to help physician families achieve financial peace of mind.Key Takeaways:1.Financial Safety and Investment Options:U.S. Treasuries and T-bills: Safe but complex due to trading requirements.Ultra-Short-Term Bond Funds & ETFs: Simplified alternatives with minimal fees.CDs & High-Yield Savings Accounts: Easy-to-access options for maintaining liquidity and earning interest.Real-Life Example: A Reddit user's mistake highlights the risks of trading T-bills directly.2.Tax Strategies and Charitable Giving:Private Family Foundations: Potential tax benefits but suitable only for those with significant funds and genuine donative intent.Tax Avoidance Schemes: Caution against complex strategies requiring tax attorneys; they can be risky and attract IRS scrutiny.401(k) Vesting Schedules: Understand the vesting timelines to avoid forfeiture when changing jobs.Consult Financial Advisors: Essential during job transitions to optimize financial opportunities and avoid pitfalls.3.Investment Planning and Decision-Making:Importance of a Financial Plan: Serves as a personal compass to prevent emotional and reactionary financial decisions.4.Lump Sum Investing vs. Dollar Cost Averaging:Lump Sum Investing: Generally yields better returns but may not be suitable for risk-averse individuals.Dollar Cost Averaging: Provides emotional comfort and is better for those new to investing or concerned about market volatility.5.Psychological Impact: Regret can be a significant factor; easing into investments is advisable for less experienced investors.6.Behavioral Finance Insights:Emotional Decision-Making: The importance of understanding your comfort level with investing strategies.Market Cycles: Experienced investors may handle lump sum investments better, while newer investors might benefit from spreading out investments.Closing Thought:Remember, you're not just making a living, you're making a life. Join us next time for more insights and tips to help you achieve financial peace of mind.Thank you for listening to the Physician Family Financial Advisors podcast!ARE YOU GETTING ALL THE TAX BREAKS YOU REALLY DESERVE?To find out, get your copy of The Overtaxed Doctor's Retirement Investing Checklist at https://physicianfamily.com/goGOT A QUESTION?Write to us at podcast@physicianfamily.com.NOTICEPhysician Family Financial Advisors Inc., a registered investment advisor, has reasonable belief that the information and content as a whole does not include...

In this episode of the Entrepreneur Aligned Podcast, host Jarrod Musick explores the crucial aspects of investment planning tailored specifically for entrepreneurs. He discusses the importance of protecting against inflation and growing capital, the need for thorough financial planning before diving into asset selection, and how to assign purpose to different accounts. Jarrod also covers various investment categories, from liquid public markets to Bitcoin and gold ETFs to private equity, offering insights on how to align investment strategies with long-term financial goals. Tune in for practical advice on creating a robust investment plan that supports your entrepreneurial journey, and for personalized assistance, visit entrepreneuraligned.com.   -----   ABOUT JARROD   Jarrod was born into financial planning and solving financial problems. With his financial advisor father Steve telling stories about finance around the dinner table from an early age, the idea that everyone has a different financial situation was always there. After an early professional career spent in nonprofit and government, Jarrod came back to his roots helping people plan and invest in 2011. Since then, he has worked with individual clients, led internal teams and ultimately became partner and the CEO of Destiny Capital in 2017. With a passion for helping entrepreneurs change the world, Jarrod ultimately oversaw the creation of Entrepreneur Aligned in 2020. With both Destiny Capital and Entrepreneur Aligned, Jarrod leads teams that help people live lives of abundance where money is simply a tool to let everyone be a positive force for the world around them. When he isn't working with the talented teams for EA and DC you can find him chasing his twins, wily trout or a podium spot at an OCR race.   WANT TO LEARN MORE?   Subscribe to our Entrepreneur Aligned Podcast for new episodes posted every week OR click below to check out more new content from Entrepreneur Aligned.   Wealth Digest - weekly articles delivered to your inbox! Subscribe to our YouTube channel Connect on LinkedIn Follow on Twitter Follow on Instagram Check out our Linktree   REACH OUT TO US!   If you have a question or simply want to talk through your financial planning, we are here to help.   SEND US A MESSAGE or call 720-715-7570   DISCLOSURE: Jarrod Musick is an officer of Destiny Capital and Entrepreneur Aligned, a DBA of Destiny Capital. All opinions expressed by Jarrod are solely his own opinions and do not reflect the opinion of Destiny Capital or Entrepreneur Aligned. This podcast is for informational purposes only and should not be relied upon as a basis for investment decisions. We recommend consulting with your wealth advisor, CPA/tax advisor and/or attorney, as applicable to your situation, prior to implementing a new investment strategy. Advisory services provided by Destiny Capital Corporation, a Registered Investment Adviser.

Welcome to another exciting episode of Passive Income Pilots! We're diving into a fascinating and often overlooked passive income stream: vending machines. Our guest, Mike Hoffmann, also known as "Mr. Passive," shares his journey of creating a vending machine empire and how this low-barrier investment can yield significant returns. Whether you're a seasoned investor or looking for a side business to try with your kids, this episode is packed with insights and practical advice on turning everyday conveniences into lucrative income streams. Tune in to discover the secrets of the vending machine business and learn how you can cash in on this profitable niche.Timestamped Show Notes(00:00) Introduction by Tait and Ryan(01:24) Mike Hoffman's introduction and passive income journey(03:25) Overview of vending machine types and profitability(06:14) Mike's research and first vending machine purchase(08:34) Cost, EBITDA breakdown, and tax benefits of vending machines(11:41) Vending machine market opportunities and lead generation(13:58) Importance of location and securing vending spots(19:59) Choosing the right vending machine and products(22:57) Operational logistics: stocking process and maintenance(28:34) Expanding operations: remote management and larger routes(34:05) Comparison to other investments: ATMs and self-storage(35:00) Challenges and downsides in the vending business(42:30) Future trends: ad revenue, and demographic data(46:18) Specialty vending machines and innovative solutions(49:00) Closing remarks and how to connect with Mike---You've found the number one resource for financial education for aviators! Please consider leaving a rating and sharing this podcast with your colleagues in the aviation community.Remember to subscribe for more insights at PassiveIncomePilots.com!Join our growing community on FacebookHave questions or want to discuss this episode? Contact us at ask@passiveincomepilots.com or record your question to be featured on the show HERE!Take 10% Off Your Next Uniform - Use code "PASSIVE" on checkout!Legal DisclaimerThe content of this podcast is provided solely for educational and informational purposes. The views and opinions expressed are those of the hosts, Tait Duryea and Ryan Gibson, and do not reflect those of any organization they are associated with, including Turbine Capital or Spartan Investment Group. The opinions of our guests are their own and should not be construed as financial advice. This podcast does not offer tax, legal, or investment advice. Listeners are advised to consult with their own legal or financial counsel and to conduct their own due diligence before making any financial decisions.

In this episode, we explore the crucial difference between making money and managing money as an entrepreneur. We discuss various strategies for boosting revenue, such as increasing sales, diversifying revenue streams, and adjusting pricing. However, we also emphasize the importance of effective financial management, including budgeting, cash flow management, expense control, and investment planning. By finding the right balance between income generation and financial management, entrepreneurs can build resilient and sustainable businesses that are prepared for both short-term challenges and long-term growth.(00:00) - Introduction to Entrepreneurship and Money Management (01:31) - Ways to Increase Revenue (02:10) - Understanding Market Opportunities and Adjustments (03:01) - Boosting Revenue: Strategies and Considerations (05:00) - Managing Incoming Revenue (05:19) - Budgeting and Cash Flow Management (06:03) - Expense Control and Investment Planning (08:29) - Balancing Short-Term and Long-Term Financial Goals (09:56) - Setting Financial Goals and Measuring Success (11:08) - Lessons from Littlefish: Practical Insights (13:25) - Final Thoughts Connect with Keila!LinkedIn - https://www.linkedin.com/in/keilahilltrawickWebsite - http://www.hellokeila.comRESOURCES:Learn more about Little Fish's suite of services and sign up for our newsletter at www.littlefishaccounting.comFollow Little Fish Accounting on social media!IG | instagram.com/littlefishaccounting