Ep 072: Understanding the Complexities of the Annuity

Understanding the complexities of the Annuity
- The difference between a contract and an investment
- What exactly is the salesman's focus?: Are you prepared to give up control of your money?
- Myths, tax strategies and hidden fees
- Understanding the different types of annuities and risks associated
- Did you forget about inflation?
- Will you run out of money?

Ep 071: Surviving a Divorce

Surviving a Divorce
- Assets aren’t the only challenge: talk to your advisor
- Where will you live?: The mechanics of setting up your new household
- Dividing the responsibility: healthcare, children, expenses and investments
- Your stuff is a marital asset until it’s final: The need for spousal permission
- Prepare! Evaluate your living expenses and gather documentation
- The perils of hiding, selling or retitling assets
- The relevance of refraining from large purchases, home upgrades and “guilt spending”
- Understand the impact of the new tax laws relative to alimony, residence, filing status and child tax credits

Ep 069: Building a Financial Plan After College

Building a financial plan right out of college:
- Evaluate your priorities: Stuff versus experiences
- Every little bit helps: Avoid the temptation that sabotages your savings
- FREE Money:  The importance of funding your 401k early!
- Manage your expectations with the help of a professional
- Stop chasing your “wants” and stay focused!
- Create a system to pay off your student loans and other debt
- Build your power: Build your confidence thru knowledge

Ep 066: Financial Planning for Your Child

Helping your children learn about money:
- You are your child's best role model for managing money!
- How to involve your child in the shopping process
- The importance of investing at an early age
- How to teach philanthropy to your children
- Why your child should create a budget
- Don't forget to play money games and have fun, too!

Ep 065: Mid-Year Financial Plan Review

The power of a mid-year review of your financial plan:
- Tips to staying on track in an emergency
- What retirement plans does your employer offer, and are you contributing enough?
- The power of automation: Pay yourself first
- Tools and Techniques for business owners
- Insurance: Tips to recognizing questions you need to ask your agent

Ep 064: Strategies to Early Retirement

Strategies to early retirement:
- How will you spend your time, and what will it cost you?
- The importance of knowing your living expenses
- How to know if it’s manageable financially and physically
- Consider diversifying streams of income
- Let’s talk insurance: will your healthcare costs go up?
- The consequences to taking Social Security early

Ep 062: How to Research a Financial Advisor

Tips to researching an advisor’s specialty, their focus, and how they’re paid:
- Understanding the role of your professional
- How savvy is your advisor, to the many moving pieces of your financial plan?
- The impact good qualifications can have on a client!
- Attention to detail: Is your advisor on the front lines of industry changes?
- What motivates your advisor: How do you pay your fees?
- What are your needs: The path to finding the perfect fit!

Ep 061: The Importance of Estate Planning

Estate Planning: Providing a quality of life, while protecting your interests
- Probate Court: Title your accounts properly
- Who's who: Reviewing your beneficiaries and evaluating how your legacy is distributed
- Do you have trusted professionals in line to represent your interests?
- Providing support for your heirs in your absence
- Letter of Instruction: who will care for you if needed?

Ep 059: Real Estate in Retirement

- Is a strong dollar good or bad for retirees’ portfolios?
- Debt: The impact on your financial plan
- Is this your "forever" home? Things to consider when you want to remain there as you age
- Rent or own: Can you afford a home, the upkeep and taxes? Test drive your budget before you consider relocation
- What you need to know about Continuing Care Retirement Communities

 

Ep 058: Emotionally Driven Investments

Emotionally driven investments
- Collectible items: Will they fund your retirement?
- How far will your baseball card collection take you?
- Is your vacation home truly an investment? Key points to consider before you buy.
- The relevance of hiring a professional to help you dispel the myths behind “good deals.”
- Is your lifestyle in the way of your financial success?

Ep 057: Dependent Planning 101

Dependent planning 101
- Are you someone’s guardian? Why you need to have a sound financial plan in place
- The importance of having conversations, and the tough questions to ask
- Critical issues surrounding life events of dependents, and the expenses that are associated
- The impact on your cash flow
- Weddings: the best way to calculate the potential expense
- Should you provide a cash gift to your child?
- The importance of enlisting the professional help of a Certified Financial Planner

Ep 056: Are You Ready to Retire?

Retirement strategies for business owners:
- The importance of paying yourself first
- Scare tactics scammers uses to steal your tax return, and things the IRS will NEVER do
- Retirement planning tools to consider
- Are all your eggs in one basket?
- Does your business retire when you do?  The importance of a succession plan

Ep 054: Gathering Data for Your Financial Plan

Data gathering: The simple solution to good financial planning
- Catching key mistake before tax time
- De-clutter your life: What to save and how to store documents
- Managing deductible and non-deductible IRA contributions
- When to step back and re-consider your investment allocation
- Assessing your Social Security statement
- Considerations when rolling over your 401k or 403b to an IRA
- Consolidating your wallet and assessing your accounts