Podcast appearances and mentions of Tim Baker

Matt Galloway visited St. John's, Newfoundland and Labrador to talk about the hurdles the province faces, and the conditions there that have produced great artists of all kinds, from authors to comedians. In this special edition of The Current, Galloway heard from some of the people that make the city one of a kind in front of a live audience at The Majestic Theatre.Authors Michael Crummy and Holly Hogan, who are also a married couple, talk about competing for the same literary prizes and what it means to get “Newfoundland on paper.”CBC host Jane Adey explains what it's like wrapping up the sixtieth season of the iconic show, Land and Sea – a program Newfoundlanders have fought to keep on air for decades.Premier John Hogan talks about taking on the job after the last premier suddenly stepped down, and why he believes that Newfoundland will endure through the tariff threat presented by U.S. president Donald Trump. And Hogan argues Newfoundland's oil and gas sector has a place, even during a green transition.Opera singer Deantha Edmunds explains how the natural world inspires her music and the shock that came along with her recent Juno win. Comedians Matt Wright, Andy Jones, Bree Parsons discuss one of the province's most famous exports — laughter. Plus, we'll hear music from homegrown singer-songwriter Tim Baker — and the stories that inspire his songs.

What should you do with an old 401(k)? Tim Ulbrich and Tim Baker explore your options, common pitfalls, rollover strategies, and how to make smart moves with old retirement accounts after leaving a job. Summary When you leave a job, what happens to the retirement account you left behind? In this episode, YFP Co-Founder & CEO, Tim Ulbrich, PharmD, and YFP Co-Founder & COO, Tim Baker, CFP®, RLP®, RICP®, take a deep dive into the important financial decisions surrounding old employer-sponsored retirement plans, such as 401(k)s and 403(b)s. Tim and Tim discuss the impact these often-overlooked accounts can have on your overall financial plan and explore your available options, whether that's leaving the money in your former employer's plan, rolling it over to your new employer's plan, or transferring it to an IRA. They break down the pros and cons of each approach, highlight common mistakes like the “set it and forget it” trap, and explain why understanding fees and account access is so important. The conversation also emphasizes the value of working with a fiduciary advisor and the serious risks of cashing out these accounts too soon. To complement the episode, they introduce YFP's new guide: The Best and Worst Moves to Make with an Old 401(k), designed to help you avoid costly missteps and feel confident in your next move. Whether you're changing jobs, planning ahead for a career transition, or simply want to be more intentional about your retirement savings, this episode will give you the clarity and guidance you need. Mentioned on the Show First Horizon's Pharmacist Home Loan Your Financial Pharmacist YFP Guide: Best & Worst Moves to Make With an Old 401(k) FIRE Rx: The Pharmacist's Guide to Financial Independence YFP Episode 404: 5 Key Questions to Ask Before Hiring a Financial Planner Reference: 2024 Kitces Report on Financial Planning

Tim Ulbrich and Tim Baker answer two questions from the YFP community on using 529 funds for student loans and the most cost-efficient ways to invest in digital assets like Bitcoin. Summary In this episode, YFP Co-Founder & CEO Tim Ulbrich, PharmD, is joined by YFP Co-Founder & COO Tim Baker, CFP®, RLP®, RICP®, to answer two insightful financial questions from the YFP community. First, they explore whether it makes sense to use 529 plan funds to pay off student loans. Tim and Tim break down the relevant provisions of the SECURE Act, highlight key limitations and tax implications, and discuss scenarios where this strategy could be beneficial—or not. Next, they tackle a question about buying Bitcoin efficiently. They compare the most cost-efficient ways to invest, including using various platforms, ETFs, and tax-advantaged accounts like IRAs. They also weigh the pros and cons of each approach, including fee structures, accessibility, and long-term considerations. Whether you're considering how to best use your 529 funds or exploring your first steps into cryptocurrency, this episode provides practical, pharmacist-specific guidance to help you make informed financial decisions. Mentioned on the Show YFP 368: How Much is Enough for Kids' College? YFP 211: The Ins and Outs of the 529 College Savings Plan YFP 404: 5 Key Questions to Ask Before Hiring a Financial Planner YFP 386: Cryptocurrency & Digital Assets: Definitions, Origins, and Risks YFP 387: Cryptocurrency & Digital Assets: Investment Considerations and Tax Implications

How do you turn your retirement savings into a reliable paycheck? In this episode, YFP Co-Founder & CEO, Tim Ulbrich, PharmD, and YFP Co-Founder & COO, Tim Baker, CFP®, RLP®, RICP®, break down three common strategies for building a retirement paycheck — including how each works, who they're best for, and the pros and cons to consider. Summary How do you turn your retirement savings into a reliable paycheck? In this episode, YFP Co-Founder & CEO, Tim Ulbrich, PharmD, is joined by YFP Co-Founder & COO, Tim Baker, CFP®, RLP®, RICP®, to explore three common retirement income strategies: the flooring strategy, bucket strategy, and systematic withdrawal strategy. Together, they break down how each approach works, who they're best suited for, and the pros and cons you should consider. You'll also hear insights on the emotional and psychological shifts that come with leaving behind a steady paycheck and the importance of building flexibility into your retirement plan. Whether you're approaching retirement or just starting to think about your long-term goals, this episode will help you better understand how to create an income stream from your hard-earned assets.

Tim Ulbrich, PharmD, and Tim Baker, CFP®, break down how to find the right financial planner—covering what planners really do, how they're paid, and the questions to ask—so you can move forward with clarity and confidence. This episode is brought to you by First Horizon. Summary Not sure who to trust with your finances—or if you even need a financial planner? In this episode, Tim Ulbrich, PharmD and Tim Baker, CFP® dive into what a great financial planner does beyond providing investment advice, and how they can help you navigate life's financial twists and turns.  Tim and Tim explain the different types of planners, how to spot someone working in your best interest, and the key questions to ask before hiring one. Plus, they break down common fee structures (like AUM, flat-fee, and hourly), the importance of the CFP® designation, and how to evaluate the return on your planning relationship.  Whether you're hiring a planner for the first time, reevaluating your current setup, or just exploring what's out there, this episode will give you the clarity and confidence to take the next step. Mentioned on the Show YFP Nuts & Bolts Guide to Hire a Financial Planner Retirement Plans: Last Week Tonight with John Oliver Kitces Report on How Financial Planners Actually Do Financial Planning Broker Check YFP ADV The Investment Funds Institute of Canada. Financial Advice in Canada, November 2022.  Vanguard: Putting a value on your value: Quantifying Vanguard Advisor's Alpha® The Index Revolution by Charles Ellis Unshakeable by Tony Robbins The Behavioral Investor by Tony Robbins YFP YouTube Channel YFP Book a Discovery Call YFP Disclaimer Subscribe to the YFP Newsletter Tim Ulbrich on LinkedIn YFP on Instagram YFP Facebook Group Tim Baker on LinkedIn  

Tim Ulbrich and Tim Baker tackle questions from the YFP community on life insurance needs for expectant parents and eligibility for direct Roth IRA contributions. Summary On today's episode, YFP Co-Founders Tim Ulbrich, PharmD and Tim Baker, CFP tackle two important questions from the YFP community.  First, they dive into how to project your life insurance needs when welcoming a new baby into the family. Then, Tim and Tim break down how Modified Adjusted Gross Income (MAGI) is calculated to help you determine if you're eligible for direct Roth IRA contributions. If you have a question you'd like featured on an upcoming episode, visit yourfinancialpharmacist.com/askyfp or email info@yourfinancialpharmacist.com. Mentioned on the Show Ask YFP a Question Email YFP a Question: info@yourfinancialpharmacist.com Life Insurance for Pharmacists: The Ultimate Guide YFP Rx Money Roundup #18: Can I do a backdoor Roth IRA myself? YFP YouTube Channel YFP Book a Discovery Call YFP Disclaimer Subscribe to the YFP Newsletter Tim Ulbrich on LinkedIn Tim Baker on LinkedIn YFP on Instagram YFP Facebook Group

Rob Mac Sweeney discusses the ACIOS study with Tim Baker, the study lead. ACIOS is a point prevalence study describing the burden of critical illness in Africa. It was published in the Lancet in March, 2025.

Tim Baker, CFP®, RICP®, RLP® and Tim Ulbrich, PharmD discuss the importance of maintaining a balanced asset allocation, the nuances of risk tolerance and capacity, and the different accounts you should be rebalancing. Brought to you by First Horizon. Summary In this episode, Tim Baker, CFP®, RICP®, RLP®, and Tim Ulbrich, PharmD, explore the essentials of rebalancing your investment portfolio. Tim and Tim discuss asset allocation, risk tolerance, and key accounts to rebalance. They also highlight common mistakes and effective rebalancing strategies for long-term investment success. Mentioned on the Show First Horizon YFP YouTube Channel YFP Book a Discovery Call YFP Disclaimer Subscribe to the YFP Newsletter Tim Ulbrich on LinkedIn Tim Baker on LinkedIn YFP on Instagram YFP Facebook Group  

Tim Ulbrich, PharmD, and Tim Baker, CFP®, RICP®, RLP® dive into the challenges and rewards of managing money in a relationship. Summary In this episode, Tim Ulbrich, PharmD, and Tim Baker, CFP®, RICP®, RLP® dive into the challenges and rewards of managing money in a relationship. They break down how different approaches—whether merging finances completely, keeping some things separate, or managing everything individually—can impact your financial harmony. Through real-life insights, Tim and Tim highlight the power of open communication, understanding each other's money habits, and creating a shared financial vision. They also discuss when and how a neutral third party can help navigate tough conversations. No matter where you are in your relationship—just starting out, engaged, or years into marriage—this episode offers practical advice to help you and your partner build a financial plan that works for both of you. Mentioned on the Show YFP YouTube Channel The 5 Money Personalities YFP Resource: 25 Financial Discussions for Partners YFP 127: A Widow's Journey to Love, Happiness & Financial Independence  YFP Book a Discovery Call YFP Disclaimer Subscribe to the YFP Newsletter Tim Ulbrich on LinkedIn Tim Baker on LinkedIn YFP on Instagram YFP Facebook Group

Send us a textWelcome back to the Joint Dynamics podcast! In this episode JD podcast curator & host, Andrew Cox | Joint Dynamics, has a very special guest, his business partner and the CEO of Joint Dynamics Colin Symmonds - Joint DynamicsColin is a leading men's health physiotherapist. He has dedicated his recent career to enhancing the quality of life for men through tailored physiotherapy interventions and holistic health strategies. With a wealth of experience, he specializes in addressing issues that often go unspoken, including pelvic health, sexual wellness, incontinence, and injury prevention.In this episode, we'll dive deep into Colin's approach to men's health, exploring how physiotherapy can empower men to take charge of their physical and mental well-being. Colin will share valuable insights into common misconceptions about men's health and the importance of open conversations around sensitive topics. He'll also discuss practical strategies for maintaining a healthy lifestyle, managing stress around this sensitive topic, and improving physical performance (in and out of the bedroom!).Colin's passion for helping men achieve their health goals is evident in his work, and his holistic perspective blends evidence-based practices with compassionate care. Whether you're dealing with specific health concerns or simply want to optimize your physical fitness, this episode is packed with expert advice that you won't want to miss.Join us as we discover how men can cultivate a healthier lifestyle, break barriers, and embrace their well-being with confidence. Show sponsor is Muvitality Medicinal Mushrooms for modern day health and wellness | Mu …Go to muvitality.com and use the code JD10 to receive a 10% discount on Mu Functional mushrooms such as Lions Mane, Cordyceps, Chaga, Reishi, and Turkey tail Useful links for this podcastColin Symmonds - Joint DynamicsColin Symmonds - CEO - Joint Dynamics | LinkedInRelevant episodesEpisode 117 - Prostate cancer & patting the shark with Tim Baker https://podcasts.apple.com/hk/podcast/episode-116-prostate-cancer-patting-the-shark-with/id1527374894?i=1000682844704Episode 117 - The Elevation Barn with Will Travis https://podcasts.apple.com/hk/podcast/episode-116-the-elevation-barn-with-will-travis/id1527374894?i=1000681398475JOINT DYNAMICS links:Joint Dynamics Facebook - https://www.facebook.com/JointDynamicsHongKong/Joint Dynamics Instagram -https://www.instagram.com/jointdynamics/Joint Dynamics Youtube - https://www.youtube.com/channel/UCRQZplKxZMSvtc6LxM5WckwJoint Dynamics Website - www.jointdynamics.com.hk Host - Andrew Cox - https://www.jointdynamics.com.hk/the-team/trainers/andrew-cox

YFP Co-Founders, Tim Ulbrich and Tim Baker answer two listener submitted questions about growing income and saving for your child's college education. Summary In this episode, Tim Ulbrich, PharmD and Tim Baker, CFP tackle two listener submitted questions. Cory from Arizona seeks advice on how pharmacists, in addition to cutting expenses, can increase their income to achieve their financial goals. Amanda from Minnesota, inquires about 529 college savings plans and balancing it with other financial priorities. Mentioned on the Show YFP YouTube Channel YFP Blog: 19 Ways to Make Extra Money as a Pharmacist YFP 388: Entrepreneurial Journeys in Pharmacy: Lessons on Growth and Success YFP 384: Beyond Salary: Negotiating Yoru Value in the Workplace YFP Blog: 7 Things to Consider Before Starting a 529 Plan YFP 368: How Much is Enough for Kids College  YFP Book a Discovery Call YFP Disclaimer Subscribe to the YFP Newsletter Tim Ulbrich on LinkedIn Tim Baker on LinkedIn YFP on Instagram YFP Facebook Group

Tim Baker, CFP®, and Tim Ulbrich, PharmD, share strategies to address fees, inflation, and taxes, helping you keep your investment portfolio fit and achieve your financial goals. Summary In this episode, Tim Baker, CFP® and Tim Ulbrich, PharmD discuss a crucial topic related to personal finance: keeping your investment portfolio fit. Tim and Tim explore three silent threats to your investments—fees, inflation, and taxes. Learn practical strategies to manage fund fees, mitigate inflation's impact, and use tax-efficient approaches to safeguard your portfolio. Whether you're starting to save or nearing retirement, this episode delivers valuable tips to protect and grow your wealth. Mentioned on the Show YFP YouTube Channel  YFP Book a Discovery Call YFP 275: How to Build a Retirement Paycheck YFP Disclaimer Subscribe to the YFP Newsletter Tim Ulbrich on LinkedIn Tim Baker on LinkedIn YFP on Instagram YFP Facebook Group

Send us a textTim Baker was living the dream. A best-selling and award-winning surf writer with a beautiful family, a lifetime of exotic travel and a home walking distance to quality waves. That all changed on July 7, 2015, when he was diagnosed, out of the blue, with stage 4, metastatic prostate cancer. So began a descent into the debilitating world of aggressive cancer treatments and Tim's ongoing relationship with cancer that began as a fight for a survival as brutal as any big wave hold down, that evolved into an inspiring mindset (inspired by his good mate former world surfing champion, Mick Fanning) of cancer collaboration, appreciation and “patting the cancer as opposed to punching/battling the cancer” - *see Mick Fanning at Jefferies Bay, South Africa with his shark encounter in 2015 where Mick famously punched a shark to defend himself.In this candid conversation with Joint Dynamics Podcast curator & host Andrew Cox | Joint Dynamics, Tim opens up about his journey—from the initial diagnosis to the transformative experiences that followed. He shares not only the physical hurdles but also the emotional resilience required to navigate this life-changing event. Through his engaging storytelling, Tim connects his love for surfing with the lessons learned during his health journey, reminding us all of the beauty and fragility of life. Whether you're a surfer, a health advocate, or someone seeking inspiration, this episode is packed with insights that resonate on many levels.Show sponsor is Muvitality Medicinal Mushrooms for modern day health and wellness | Mu …Go to muvitality.com and use the code JD10 to receive a 10% discount on your purchase of Mu Functional mushrooms such as Lions Mane, Cordyceps, Reishi, and Turkey tail functional mushroomsHere are some useful links for this podcastTim's website - https://www.bytimbaker.com/IG - bytimbakerLinked In - https://www.linkedin.com/in/tim-baker-809a1412/?originalSubdomain=au*Mick Fanning Shark attack 2015 Jefferies Bay - https://www.youtube.com/watch?v=xrTYW4xSMlYRelevant episodesEpisode 109 - Myles Katz on Psilocybin, Psychedelics & Ancient healing with Confluence retreatshttps://podcasts.apple.com/hk/podcast/episode-109-myles-katz-on-psilocybin-psychedelics-ancient/id1527374894?i=1000669679338Episode 112 - Cancer Warrior Oscar Chalupsky No retreat, no surrender, the sequel!https://podcasts.apple.com/hk/podcast/episode-112-cancer-warrior-oscar-chalupsky-no-retreat/id1527374894?i=1000674688897JOINT DYNAMICS links:Joint Dynamics Facebook - https://www.facebook.com/JointDynamicsHongKong/Joint Dynamics Instagram -https://www.instagram.com/jointdynamics/Joint Dynamics Youtube - https://www.youtube.com/channel/UCRQZplKxZMSvtc6LxM5WckwJoint Dynamics Website - www.jointdynamics.com.hk Host - Andrew Cox -

It's our annual Holiday greeting mini-episode! We thought we would change things up and bring in our good friend Dave Kitchen for our theme of "Depressmas" - songs that bring in the sadness of the season. It's short and (bitter)sweet! Merry Christmas, everyone. You have a home here at Bill & Frank's Guilt-Free Pleasures! Links: I Believe in Father Christmas music video The Cat Carol music video Carry Me Home music video Here's a special treat. Tim Baker of Hey Rosetta! sings Carry Me Home with Choir! Choir! Choir! Also, we didn't get to tell the fascinating backstory of The Cat Carol. Here it is.  You can find us on Instagram, Facebook, and our website. You can email us at BandFGuiltFree@gmail.com, too. We'd love to hear from you. Please rate and review us wherever you listen! Our theme music is by the incredibly talented Ian McGlynn.  

In today's episode, we're diving into one of Tim Baker's favorite topics (cue sarcasm and an annoyed face): backdoor Roth IRAs. You've probably heard the term thrown around, but what exactly is a backdoor Roth IRA, and is it something you should consider? More importantly, should you tackle it on your own or leave it to the professionals? We break down the basics of what a backdoor Roth IRA is, who it might benefit, and the potential pitfalls to watch out for. Mentioned on the Show: Submit a Question to Be Featured on Rx Money Roundup YFP Book a Discovery Call: Financial Planning Services Subscribe to the YFP Newsletter YFP Disclaimer

Tim Ulbrich and Tim Baker discuss cryptocurrency, examining its advantages like decentralization and transparency and risks such as volatility and regulatory uncertainty. Summary In this first episode of a two-part series on cryptocurrency and digital assets, YFP Co-Founders Tim Ulbrich and Tim Baker explore the world of digital finance and its relevance in today's financial landscape. Tim and Tim unpack essential terms and explore how the 2008 financial crisis served as a catalyst for the rise of cryptocurrency, with Bitcoin leading the charge. The discussion highlights the unique advantages of digital assets, such as decentralization, transparency, and their fixed supply, contrasting these features with traditional currencies. Tim and Tim also address critical risks, including market volatility, security concerns, and regulatory uncertainties. Mentioned on the Show Whitepaper “Bitcoin: A Peer-to-Peer Electronic Cash System” Too Big to Fail by Andrew Ross Sorkin YFP Book a Discovery Call YFP Disclaimer Ask a financial question to YFP Subscribe to the YFP Newsletter Tim Ulbrich on LinkedIn Tim Baker on LinkedIn YFP on Instagram YFP Facebook Group  

Summary   “I think imperfection is something that you can deal with.” This week we watch the new documentary Martha and reconsider everything we know about the lifestyle icon. Also discussed: Olive Kitteridge, My Old Ass, and the appropriate time to start Christmas.     Show notes:   Martha Stewart and Snoop Dogg's Friendship Timeline (People)     Recommendations:   Lisa:  The books of Elizabeth Strout    Andrea G.:  My Old Ass (Apple TV+)   Andrea W.:  Full Rainbow of Light by Tim Baker (music)    Music credits  "Electrodoodle" by Kevin MacLeod From: incompetech.com Licensed under Creative Commons: By Attribution 3.0 License   Theme song "Pyro Flow" by Kevin Macleod From: incompetech.com Licensed under Creative Commons: By Attribution 3.0 License   "Good Times" by Podington Bear From:  Free Music Archive Licensed under Creative Commons: By Attribution 3.0 License     Pop This! Links: Pop This! on TumblrPop This! on iTunes (please consider reviewing and rating us!) Pop This! on Stitcher (please consider reviewing and rating us!) Pop This! on Google PlayPop This! on TuneIn radioPop This! on TwitterPop This! on Instagram Logo design by Samantha Smith Intro voiced by Morgan Brayton Pop This! is a podcast featuring three women talking about pop culture. Lisa Christiansen is a broadcaster, journalist and longtime metal head. Andrea Warner is a music critic, author and former horoscopes columnist. Andrea Gin is a producer and an avid figure skating fan. Press play and come hang out with your new best friends. Pop This! podcast is produced by Andrea Gin.  

Singer-songwriter Tim Baker has a new holiday-inspired album coming out tomorrow. It's called "Full Rainbow of Light." He talked about the new record, his upcoming tour, and his connection to Christmas and Newfoundland.

We all love our pets - but at what cost? YFP Co-Founders Tim Ulbrich and Tim Baker take a listener question on how to determine whether or not it makes sense to purchase pet insurance. Mentioned on the Show: Submit a Question to Be Featured on Rx Money Roundup Subscribe to the YFP Newsletter YFP Disclaimer

In this episode, YFP Co-Founders Tim Ulbrich and Tim Baker tackle a question that has not gotten a lot of attention in recent years given the rise in interest rates, which is: “Should I refinance my mortgage and when is it a good time to refinance?” Mentioned on the Show: Submit a Question to Be Featured on Rx Money Roundup Subscribe to the YFP Newsletter YFP Disclaimer

Tim Ulbrich and Tim Baker discuss the role of credit in financial planning: why it matters, how it works, what makes up a credit score, common credit misconceptions and more. Summary In this episode, Tim Ulbrich and Tim Baker discuss the role of credit in financial planning. They explore why credit matters, how it works, and how it influences important areas in your financial plan. Tim and Tim break down the factors that make up a credit score, from payment history and credit utilization to the age of credit and hard inquiries.  They also dispel common credit myths, essential strategies for protecting your credit and identity, including the importance of monitoring credit reports. About Today's Guest Tim Baker is the Co-Founder and Director of Financial Planning at Your Financial Pharmacist. Founded in 2015, YFP is a fee-only financial planning firm and connects with the YFP community of 12,000+ pharmacy professionals via the Your Financial Pharmacist Podcast podcast, blog, website resources and speaking engagements.  Tim attended the United States Military Academy majoring in International Relations and branching Armor. After his military career, he worked as a logistician with a major retailer and a construction company. After much deliberation, Tim decided to make a pivot in his career and joined a small independent financial planning firm in 2012. In 2016, he launched his own financial planning firm Script Financial and in 2019 merged with Your Financial Pharmacist. Tim now lives in Columbus, Ohio with his wife (Shay), three kids (Olivia, Liam and Zoe), and dog (Benji). Mentioned on the Show Intuit CreditKarma FICO Vantage Score YFP Book a Discovery Call YFP Disclaimer Ask a financial question to YFP Subscribe to the YFP Newsletter Tim Ulbrich on LinkedIn Tim Baker on LinkedIn YFP on Instagram YFP Facebook Group

When surf writer Tim Baker was diagnosed with Stage 4 prostate cancer, he had no idea how the hormones which saved his life would fundamentally change his experience of being a man (R)

In this episode, YFP Co-Founders Tim Ulbrich and Tim Baker dive into practical strategies for investors to navigate market volatility, especially in light of the turbulence we've experienced over the past year. They explore how to maintain a long-term perspective while acknowledging the real emotions—fear, anxiety, and uncertainty—that can arise during times of market fluctuation. Mentioned on the Show: Submit a Question to Be Featured on Rx Money Roundup Subscribe to the YFP Newsletter YFP Disclaimer

Tim Baker, CFP® tackles 10 questions for those considering early retirement from sources of income, handling market volatility, health insurance options and more. Summary This week, Tim Baker, CFP®, RLP®, RICP® and Tim Ulbrich, PharmD are tackling 10 questions for those considering early retirement. They discuss sources of income in retirement, handling market volatility when no longer working, health insurance coverage options, timing to draw on Social Security, and much more. About Today's Guest Tim Baker is the Co-Founder and Director of Financial Planning at Your Financial Pharmacist. Founded in 2015, YFP is a fee-only financial planning firm and connects with the YFP community of 12,000+ pharmacy professionals via the Your Financial Pharmacist Podcast podcast, blog, website resources and speaking engagements.  Tim attended the United States Military Academy majoring in International Relations and branching Armor. After his military career, he worked as a logistician with a major retailer and a construction company. After much deliberation, Tim decided to make a pivot in his career and joined a small independent financial planning firm in 2012. In 2016, he launched his own financial planning firm Script Financial and in 2019 merged with Your Financial Pharmacist. Tim now lives in Columbus, Ohio with his wife (Shay), three kids (Olivia, Liam and Zoe), and dog (Benji). Mentioned on the Show Register for YFP webinar on October 7th at 9pm EST: Aliquot Investing: Small Investments in Big Real Estate Investing YFP Free Guide: Retirement Roadblocks: Identifying and Managing 10 Common Risks YFP Episode 291:Redefining Retirement with Professor Emeritus David Zgarrick, PhD YFP Episode 296: 5 Key Decisions for Long Term Care Insurance YFP Episode 321: Navigating Financial Conversations with Aging Parents Social Security  YFP Book a Discovery Call YFP Disclaimer Subscribe to the YFP Newsletter Tim Ulbrich on LinkedIn Tim Baker on LinkedIn YFP on Instagram YFP Facebook Group

On this week's episode of the Rx Money Roundup, YFP Co-Founders, Tim Ulbrich and Tim Baker, take a question from Jacob in Cincinnati, OH: "How should I prioritize investing if my employer doesn't have a 401(k) match?" Mentioned on the Show: Submit a Question to Be Featured on Rx Money Roundup Subscribe to the YFP Newsletter YFP Disclaimer

In this episode I speak to Tim Baker, a familiar face in the community with a long and storied history in various data and markets roles.In our conversation of two halves, Tim and I start by discussing a court case in which Tim is taking a deep interest, around the fate of the CUSIP identifier. We then discuss Tim's recent coup in which he swooped to buy the assets of the IEX Cloud platform from his former employer, we discuss what he now plans to do with it. DISCLAIMERThis podcast is an edited recording of an interview with Tim Baker recorded in September 2024. The views and opinions expressed in this interview are those of Tim Baker and Mark Fleming-Williams and do not necessarily reflect the official policy or position of either CFM or any of its affiliates. The information provided herein is general information only and does not constitute investment or other advice. Any statements regarding market events, future events or other similar statements constitute only subjective views, are based upon expectations or beliefs, involve inherent risks and uncertainties and should therefore not be relied on. Future evidence and actual results could differ materially from those set forth, contemplated by or underlying these statements. In light of these risks and uncertainties, there can be no assurance that these statements are or will prove to be accurate or complete in any way. Hosted on Acast. See acast.com/privacy for more information.

On this week's episode of the Rx Money Roundup, YFP Co-Founders, Tim Ulbrich and Tim Baker, discuss how potential interest rate cuts this September could impact you and your financial plan. Mentioned on the Show: Submit a Question to Be Featured on Rx Money Roundup Subscribe to the YFP Newsletter YFP Disclaimer

On this week's episode of the Rx Money Roundup, YFP Co-Founders Tim Ulbrich and Tim Baker discuss what the data has to say about the purchasing power of a pharmacist's salary and whether or not it's eroding to inflation and stagnant wages. Mentioned on the Show: Submit a Question to Be Featured on Rx Money Roundup Subscribe to the YFP Newsletter YFP Disclaimer

This week, Tim Ulbrich, PharmD, and Tim Baker, CFP®, RLP®, RICP®, discuss a question from the YFP community raised during a recent webinar: "What are the best ways to plan for healthcare costs in retirement?" Mentioned on the Show: Submit a Question to Be Featured on Rx Money Roundup Subscribe to the YFP Newsletter YFP Disclaimer YFP 329: Medicare Selection & Optimization YFP 296: 5 Key Decisions for Long-Term Care Insurance YFP Blog: Why I'm Not Using My Health Savings Account (HSA) for Medical Expenses

Tim Ulbrich, PharmD and Tim Baker, CFP®, RLP®, RICP® tackle a question received from a pharmacist on how confident we should or shouldn't be in planning on social security benefits as a part of our retirement planning.  Mentioned on the Show: Submit a Question to Be Featured on Rx Money Roundup YFP Fee-Only Financial Planning Subscribe to the YFP Newsletter YFP Disclaimer

Tim Ulbrich, PharmD and Tim Baker, CFP®, RLP®, RICP® discuss a recent USA Today article titled, “Do we really need $1M in retirement savings? Not even close, one top economist says.” Mentioned on the Show: USA Today Article: “Do we really need $1M in retirement savings? Not even close, one top economist says” Survey of Household Economics and Decisionmaking, Board of Governors of the Federal Reserve System Submit a Question to Be Featured on Rx Money Roundup Subscribe to the YFP Newsletter YFP Disclaimer  

Tim Baker, CFP and YFP Director of Planning answers questions from the YFP community on saving and preparing for retirement. This episode is brought to you by First Horizon. Summary Planning and preparing for retirement can feel overwhelming. In this episode, Tim Baker, CFP®, RICP®, RLP®, makes the steps to planning for retirement more manageable. He answers three questions from the YFP community on retirement planning, including: How to determine the optimal amount to save for retirement Strategies for dealing with market downturns during retirement How different investment options impact retirement savings This episode is brought to you by First Horizon. About Today's Guest Tim Baker is the Co-Founder and Director of Financial Planning at Your Financial Pharmacist. Founded in 2015, YFP is a fee-only financial planning firm and connects with the YFP community of 12,000+ pharmacy professionals via the Your Financial Pharmacist Podcast podcast, blog, website resources and speaking engagements.  Tim attended the United States Military Academy majoring in International Relations and branching Armor. After his military career, he worked as a logistician with a major retailer and a construction company. After much deliberation, Tim decided to make a pivot in his career and joined a small independent financial planning firm in 2012. In 2016, he launched his own financial planning firm Script Financial and in 2019 merged with Your Financial Pharmacist. Tim now lives in Columbus, Ohio with his wife (Shay), three kids (Olivia, Liam and Zoe), and dog (Benji). Mentioned on the Show First Horizon's Pharmacist Home Loan Die with Zero by Bill Perkins YFP Retirement Planning Series (Episodes 272-275): YFP Episode 272: How Much is Enough? (Retirement Planning) YFP Episode 273: Alphabet Soup of Retirement Accounts (Retirement Planning) YFP Episode 274: Risk Tolerance vs Capacity (Retirement Planning) YFP Episode 275: How to Build a Retirement Paycheck (Retirement Planning) YFP Episode 305: Understanding Annuities: A Primer for Pharmacists YFP Free Guide: Retirement Roadblocks: Identifying and Managing 10 Common Risks The Power of Working Longer (2018, Stanford Institute for Economic Policy Research)  YFP Book a Discovery Call YFP Disclaimer Subscribe to the YFP Newsletter Tim Ulbrich on LinkedIn YFP on Instagram YFP Facebook Group Tim Baker on LinkedIn

I catch up with Rob, Tim, and Jarvis from Cirith Ungol/Night Demon regarding recent happenings with both bands, and look towards next week's Frost & Fireland Festival in Limerick, Ireland. Learn how the fellas nearly caught Venereal Disease in Australia, made women cry in China, and what James Bond has in common with Cirith Ungol. We also discuss Night Demon's recent touring activity and support slots with Bruce Dickinson and Michael Schenker. 

On today's Marc Cox Morning Show, Marc welcomes the following guests: Bevis Schock, Jim Carafano, Tommy Piggot, Tim Baker, and Ryan Wiggins.  With a check of Business with Nicole Murray, Scott on the Spot and In Other News with Ethan. Topics for today: Trump gets RNC nomination for President Top Dem Aides say that Biden will be leaving the Democratic Ticket A lawsuit against the City of St Louis over 'Universal Basic Income'  And everything that happened at the RNC Thanks for listening today and don't forget to check out 971fmtalk.com for all the latest news.  

Tim Baker, candidate for MO Lt. Gov. talks with Marc about why he's running for Lt. Gov. and what he hopes to accomplish if elected.

In the Final hour of the Marc Cox Morning Show: An apparent deal has been struck to have Biden leave the ticket  Tim Baker, candidate for MO Lt. Gov. talks with Marc about why he's running for Lt. Gov. and what he hopes to accomplish if elected.  Ryan Wiggins, host of Wiggins' America, stops by the studio to talk with Marc about his thoughts on Trump's speech from last nights RNC. Ryan reacts to Hulk Hogan being at the RNC Thank you for listening!!

Tim Baker helps parents navigate saving for their child's college education, from projecting costs and balancing goals to 529 plans.   This episode is brought to you by First Horizon. Summary Most parents desire to contribute toward their child's college tuition; however, knowing how much to save and plan for can be a bit of a moving target. How much is enough to save for college? Tim Baker, YFP Co-Founder and Director of Financial Planning, lays out the financial roadmap to help parents navigate the complexities of college savings. Tim emphasizes the importance of prioritizing college savings, projecting future costs, and balancing these savings with other financial goals. He also breaks down the benefits of starting early and making consistent contributions to make the goal more attainable. Learn more about education savings options, including 529 plans and Coverdale education savings accounts. Tim also shares the ⅓ rule for funding college education that listeners may find make the reality of saving for their child's future education more attainable.  This episode is brought to you by First Horizon. About Today's Guest Tim Baker is the Co-Founder and Director of Financial Planning at Your Financial Pharmacist. Founded in 2015, YFP is a fee-only financial planning firm and connects with the YFP community of 12,000+ pharmacy professionals via the Your Financial Pharmacist Podcast podcast, blog, website resources and speaking engagements.  Tim attended the United States Military Academy majoring in International Relations and branching Armor. After his military career, he worked as a logistician with a major retailer and a construction company. After much deliberation, Tim decided to make a pivot in his career and joined a small independent financial planning firm in 2012. In 2016, he launched his own financial planning firm Script Financial and in 2019 merged with Your Financial Pharmacist. Tim now lives in Columbus, Ohio with his wife (Shay), three kids (Olivia, Liam and Zoe), and dog (Benji). Mentioned on the Show First Horizon Pharmacist Home Loan YFP 211: The Ins and Outs of the 529 College Savings Plans YFP 195: How to Save for Your Child's Education YFP Blog: 7 Things to Consider Before Starting a 529 Plan YFP Gives - www.yfpgives.org YFP Disclaimer Subscribe to the YFP Newsletter Tim Ulbrich on LinkedIn YFP on Instagram YFP Facebook Group Tim Baker on LinkedIn  

Tim Baker, YFP Director of Financial Planning, breaks down Medicare and long-term care insurance and what to consider when deciding on a policy. Summary Tim Baker, YFP Director of Financial Planning, breaks down the importance of long-term care insurance in retirement planning, highlighting the need to carefully consider the cost of these policies and how they fit into one's overall financial plan.  Tim also discusses Medicare parts A, B and D and the importance of understanding the enrollment period to avoid paying penalties. About Today's Guest Tim Baker is the Co-Founder and Director of Financial Planning at Your Financial Pharmacist. Founded in 2015, YFP is a fee-only financial planning firm and connects with the YFP community of 12,000+ pharmacy professionals via the Your Financial Pharmacist Podcast podcast, blog, website resources and speaking engagements.  Tim attended the United States Military Academy majoring in International Relations and branching Armor. After his military career, he worked as a logistician with a major retailer and a construction company. After much deliberation, Tim decided to make a pivot in his career and joined a small independent financial planning firm in 2012. In 2016, he launched his own financial planning firm Script Financial and in 2019 merged with Your Financial Pharmacist. Tim now lives in Columbus, Ohio with his wife (Shay), three kids (Olivia, Liam and Zoe), and dog (Benji). Mentioned on the Show Learn More About Your Financial Pharmacist and Book a Free Discovery Call  Episode 329: Medicare Selection & Optimization featuring Certified Insurance Counselor, Josh Workman Episode 296: 5 Key Decisions for Long-Term Care Insurance Episode 321: Navigation Financial Conversation with Aging Parents Episode 305: Understanding Annuities: A Primer for Pharmacists Free to Focus by Michael Hyatt YFP Disclaimer Subscribe to the YFP Newsletter Tim Ulbrich on LinkedIn Tim Baker on LinkedIn YFP on Instagram YFP Facebook Group

With special guest: Tim Baker… in conversation with Bill Kable Patting the shark? This does not seem to be a good life lesson but when we hear Tim Baker explain the title it all makes sense. Surfers such as Mick Fanning have had to confront their mortality. Mick is an old friend of Tim’s and he faced a shark in front of the world’s cameras. Many of us saw him swimming next to a man eating shark in the shark’s own territory. Tim Baker has had to face a different type of mortal threat, namely a diagnosis of advanced prostate cancer. We do not know how we would react if confronted with this situation but Tim’s new book Patting the Shark takes us right into that world and he gives us a no holds barred account of what it is really like. Podcast (mp3)

YFP Co-Founder and Director of Financial Planning Tim Baker discusses six financial moves for mid-career pharmacists, including re-evaluating the vision for the financial plan. Summary Tim Ulbrich is joined by YFP Co-Founder and Director of Financial Planning, Tim Baker to discuss various financial planning strategies for mid-career pharmacists, including resetting the vision for the financial plan, prioritizing retirement planning and emergency funds, and reevaluating, reviewing and updating insurance policies.  Regularly reviewing and adjusting these funds to account for the various life changes ensures that policies align with current financial goals and circumstances. Tim and Tim also address the importance of having those uncomfortable conversations, such as end-of-life care and inheritance to avoid potential legal and financial issues in the future. About Today's Guest Tim Baker is the Co-Founder and Director of Financial Planning at Your Financial Pharmacist. Founded in 2015, YFP is a fee-only financial planning firm and connects with the YFP community of 12,000+ pharmacy professionals via the Your Financial Pharmacist Podcast podcast, blog, website resources and speaking engagements.  Tim attended the United States Military Academy majoring in International Relations and branching Armor. After his military career, he worked as a logistician with a major retailer and a construction company. After much deliberation, Tim decided to make a pivot in his career and joined a small independent financial planning firm in 2012. In 2016, he launched his own financial planning firm Script Financial and in 2019 merged with Your Financial Pharmacist. Tim now lives in Columbus, Ohio with his wife (Shay), three kids (Olivia, Liam and Zoe), and dog (Benji). Mentioned on the Show Financial Moves to Make as a Mid-Career Pharmacist YFP Financial Planning YFP Podcast 357: Emergency Fund Check Up: 5 Questions You Must Answer YFP Podcast 272:How Much is Enough? (Retirement Planning) Social Security Resource YFP Podcast 310:Dusting Off the Estate Plan YFP Podcast 321: Navigating Financial Conversations with Aging Parents Your Financial Pharmacist YFP+ Subscribe to the YFP Newsletter Tim Baker on LinkedIn Tim Ulbrich on LinkedIn YFP on Instagram YFP Facebook Group YFP Disclaimer

YFP's Tim Baker addresses key questions from the community, covering retirement savings, cost of living, and the importance of the nest egg calculation. Summary On this week's episode of the YFP Podcast, host Tim Ulbrich is joined by YFP Co-Founder and Certified Financial Planner, Tim Baker, to dive into some of the most common questions from the YFP community. He covers topics ranging from debt repayment to investing and retirement planning in three key questions: How much do I need to save in order to retire? How do I determine what is enough? The intricacies of cost of living and understanding the income you'll have in retirement. Why the nest egg calculation is crucial in financial planning. Our discussion also delves into the pros and cons of paying off low-interest debt, such as student and auto loans, versus investing. Tim Baker also shares the strategies for prioritizing debt repayment, retirement savings, and saving for a house down payment. In a particularly insightful segment, Tim and Tim tackle a question from a listener with a $200,000 student loan balance, where Public Service Loan Forgiveness (PSLF) isn't an option. Tim Baker shares his perspective on weighing the decision between paying off the loans and pursuing forgiveness over 20-25 years, including the potential tax implications. Join us as we navigate the complexities of financial planning and empower you to make informed decisions for a secure financial future. About Today's Guest Tim Baker is the Co-Founder and Director of Financial Planning at Your Financial Pharmacist. Founded in 2015, YFP is a fee-only financial planning firm and connects with the YFP community of 12,000+ pharmacy professionals via the Your Financial Pharmacist Podcast podcast, blog, website resources and speaking engagements.  Tim attended the United States Military Academy majoring in International Relations and branching Armor. After his military career, he worked as a logistician with a major retailer and a construction company. After much deliberation, Tim decided to make a pivot in his career and joined a small independent financial planning firm in 2012. In 2016, he launched his own financial planning firm Script Financial and in 2019 merged with Your Financial Pharmacist. Tim now lives in Columbus, Ohio with his wife (Shay), two kids (Olivia and Liam), and dog (Benji). Mentioned on the Show Episode 272 - How Much is Enough YFP Planning - www.yfpplanning.com  YFP+ - yourfinancialpharmacist.com/membership  Subscribe to the YFP Newsletter YFP Open House on March 14, 2024 at 8:30pm EST - yourfinancialpharmacist.com/openhouse  YFP Disclaimer Tim Ulbrich on LinkedIn Tim Baker on LinkedIn  

From his days fronting the indie rock band Hey, Rosetta! to his current run as a solo artist, Tim Baker's music has always had a way of connecting at a deeper level. On this episode, the Canadian songwriter opens up about creative friction and why it means everything to the process of making anything.See omnystudio.com/listener for privacy information.

Tim Ulbrich and Sean Richards, CPA, discuss the tax preparations listeners should be considering ahead of the 2023 filing. Summary In this episode, Tim Ulbrich and Director of YFP Tax, Sean Richards, CPA, discuss the tax preparations listeners should be considering ahead of tax season and the 2023 filing. Whether you DIY your taxes or work with a professional, there are documents that need to be on hand to file your taxes. Sean shares essential tax moves for the year, emphasizing the significance of being proactive for the 2024 tax season. Sean also discusses the value of a year-round approach to taxes and the in-house services by episode sponsor, YFP Tax, showcasing the value of personalized, holistic tax planning.  About Today's Guest Sean Richards, CPA, received his undergraduate degree in Corporate Finance and Accounting, as well as his Master of Accountancy, from Bentley University in Waltham, MA. Sean has been a Certified Public Accountant (CPA) since 2015 and is currently pursuing his Enrolled Agent certification. Prior to joining the YFP team, Sean was the Senior Treasury Manager at PRA Group, a global debt buyer based in Norfolk, VA. He began his career at American Tower Corporation where, over 10 years, he held several positions in audit, treasury and accounting. As the Director of YFP Tax, Sean focuses on broadening the company's existing tax planning and preparation operations, as well as developing and launching new accounting offerings, including bookkeeping, payroll, and fractional CFO services. Mentioned on the Show YFP Tax Tax Checklist Your Financial Pharmacist Your Financial Pharmacist on Facebook  Your Financial Pharmacist on Instagram Tim Ulbrich on LinkedIn Sean Richards on LinkedIn YFP Disclaimer YFP Newsletter Book a discovery call with Tim Baker

Tim & Tim talk about negotiation, why it's an important part of the financial plan, the goals of negotiation, and tips for conducting an effective negotiation. Summary Tim Baker joins Tim Ulbrich on this episode to dig into all things negotiation. Negotiation is the process of discovery and a way to advocate for yourself and what your needs are. Tim Baker explains that negotiation is an important part of your financial plan for many reasons. He explains that settling for a lower salary can have a significant impact on your present and future finances because you may accrue less in retirement savings and potentially other investments. However, negotiation doesn't just lie in your salary. You can also negotiate benefits like flex scheduling, paid time off as well as potentially parental leave and professional development opportunities, among others.  Tim Baker shares that 99% of hiring managers are expecting new hires to negotiate and build their initial offer as such. Many don't end up negotiating because they don't want to risk the offer being revoked, but Tim says that the majority of the time you should present a counter offer.  Tim then digs into the stages of the negotiation process that include the interview, receiving an offer, presenting a counter offer and accepting the offer and position. He shares many strategies and tips for each stage as well as additional techniques to use throughout the process. About Today's Guest Tim Baker is the Co-Founder and Director of Financial Planning at Your Financial Pharmacist. Founded in 2015, YFP is a fee-only financial planning firm and connects with the YFP community of 12,000+ pharmacy professionals via the Your Financial Pharmacist Podcast podcast, blog, website resources and speaking engagements.  Tim attended the United States Military Academy majoring in International Relations and branching Armor. After his military career, he worked as a logistician with a major retailer and a construction company. After much deliberation, Tim decided to make a pivot in his career and joined a small independent financial planning firm in 2012. In 2016, he launched his own financial planning firm Script Financial and in 2019 merged with Your Financial Pharmacist. Tim now lives in Columbus, Ohio with his wife (Shay), two kids (Olivia and Liam), and dog (Benji). Mentioned on the Show YFP Planning Never Split the Difference: Negotiating as if Your Life Depended on It by Chris Voss SHRM (Society for Human Resource Management) Journal of Experimental Social Psychology Join the YFP Facebook Group Subscribe to the YFP Newsletter Tim Ulbrich on LinkedIn YFP on Instagram Tim Baker on LinkedIn

Welcome to Ask a YFP CFP®, a segment of the Your Financial Pharmacist Podcast! On today's show Tim Baker, CFP®, RLP®, RICP®, takes a question from an individual in the YFP Facebook Group. Mentioned During the Show YFP Facebook Group YFP Life Inusurance for Pharmacists: The Ultimate Guide Submit Your Question Have a question you would like us to feature on an upcoming episode? Send us an email at info@yourfinancialpharmacist.com or record your question at www.yourfinancialpharmacist.com/askyfp   Your Financial Pharmacist Disclaimer and Disclosures This podcast is intended for educational purposes and should not be considered financial or investment advice as we do not know all the variables to one's personal situation when answering a question. For more information visit https://yourfinancialpharmacist.com/disclaimer/

Tim Baker joins me to discuss the up coming credit event, what a credit event is, and how you can prepare.  Today's Panelists: Kirk Chisholm | Innovative Wealth Tim Baker | Metric Financial   Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on X (formerly Twitter): https://x.com/MTIPodcast  

Tim Baker, CFP, RICP, RLP joins Tim Ulbrich, PharmD to discuss open enrollment & evaluating employer benefits. Summary This week on the podcast, Tim Ulbrich, PharmD sits down with YFP co-owner and Director of Financial Planning, Tim Baker, CFP, RICP, RLP to discuss open enrollment and the process of evaluating employer benefits. They discuss considerations for choosing a health insurance plan, how to determine whether or not your employer-provided life and disability insurance is sufficient, the differences between an FSA, Dependent Care FSA, and HSA, and what to be looking for when putting money into your employer-sponsored retirement plan. Mentioned on the Show YFP Planning: Financial Planning for Pharmacists Book a free Discovery Call with YFP Planning YFP 044: How to Determine Your Life Insurance Needs YFP 045: How to Determine Your Disability Insurance Needs Your Financial Pharmacist YFP 165: The Power of a Health Savings Account Why I'm Not Using My Health Savings Account to Pay for Medical Expenses Ask a YFP CFP© #84: What can I do about the fees on my HSA account? YFP 074: Evaluating Your 401k Plan YFP 208: Why Minimizing Fees On Your Investments Is So Important Your Financial Pharmacist Disclaimer and Disclosures  

In 1973, in the throes of the Watergate scandal, three young federal prosecutors uncovered a separate criminal scheme being run inside the White House — the sitting vice president, Spiro Agnew, was taking envelopes stuffed with cash in exchange for official acts as an elected official. If Nixon left office, Agnew would be the next President. And so, what would happen if the President was charged with a federal crime? Worse yet, what if he was convicted? Now that Donald Trump has been charged with 37 federal crimes – as he runs again for president — Rachel Maddow and Bag Man executive producer Mike Yarvitz talk with the three Spiro Agnew prosecutors who have the only experience in our nation's history with a situation like this.

In 1973, in the throes of the Watergate scandal, three young federal prosecutors uncovered a separate criminal scheme being run inside the White House — the sitting vice president, Spiro Agnew, was taking envelopes stuffed with cash in exchange for official acts as an elected official. If Nixon left office, Agnew would be the next President. And so, what would happen if the President was charged with a federal crime? Worse yet, what if he was convicted? Now that Donald Trump has been charged with 37 federal crimes – as he runs again for president — Rachel Maddow and Bag Man executive producer Mike Yarvitz talk with the three Spiro Agnew prosecutors who have the only experience in our nation's history with a situation like this.