Investments

Planner Interview: John Sestina on Market Volatility

You’ve likely noticed a resurgence in market volatility recently which -after nearly a decade of a steady market- may leave you feeling a bit surprised, uncertain, or overwhelmed.   We tackle this head on in the first installment of our Financial Planner Interview Series through a candid conversation with our founder, John Sestina, on how to manage not just your portfolio, but your emotions during periods of market volatility.

We invite you to listen to the interview to learn more about:

-       How to find emotional balance and peace of mind during volatile times.

-       Steps to take now, and ahead of time to better prepare for volatile markets.

-       The difference between investing and financial planning.

Ep 082: Your Holiday Financial Planning List, of DO’s and DON’T’S

Your holiday financial planning list, of DO’s and DON’T’S:
- DON’T fall prey to seasonal marketing
- DO evaluate each holiday: Plan ahead, and avoid impulse shopping
- DO research online versus retail shopping
- DO get creative: Rewards programs, coupons, Lay Away and apps
- DO pay yourself first…automatically
- DO take advantage of end-of-the season sales
- DON’T rack up credit card debt
- DON’T forget life events while you plan for holidays

Ep 079: Tackling Your Financial Laundry List

Tackling Your Financial Laundry List
- Does being wealthy mean you don’t need a financial advisor?
- Efficient planning tools to get the best result
- So! You’ve saved enough!...Now what?
- Healthcare costs: stretching your dollar to manage efficiently
- Social Security savvy
- Cash reserve vs. cash flow: Know the difference
- Key things you should do BEFORE you retire
- Your Home: How to use it to your advantage

Ep 078: RMD’s: The Benefits and Consequences to Early Planning

RMD’s: The benefits and consequences to early planning
- How much, and when should you withdrawal?
- Be aware: Penalties, taxes and deadlines
- RMD strategies while you’re still working
- Donating your distribution
- Spousal or non-spousal inheritance advice
- Annuities and the relationship to your traditional IRA and 401k

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 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 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 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

Ep 050: Buy a Home or Save for Retirement?

Financial decisions to change your future: Buy a home or save for retirement?:
- Are you prepared for the financial commitment of owning a home?
- Fork in the road: High ticket interest, versus interest earned on savings
- The huge impact of missing just one year of savings
- Learning the art of delayed gratification
- Unique ways to teaching your kids how to save
- The building of an entrepreneur!

Ep 047: Riding the Wild Stock Market

Strategies to navigating the market:
- What is a Robo Advisor?
- Trade or Invest: Where to start
- Breathe through market volatility with a real financial plan
- Why it's important to focus on your own risk
- Cash flow, why is it relevant?
- Is your advisor a true fiduciary?

Ep 042: Bitcoin: Is It a Sure Thing?

Get the most from your plan, and protect your money: 
- Bitcoin: What is it and should it be a part of your financial plan? 
- How to identify money scams
- Auto, Home, and Umbrella insurance: Do you have the coverage you need? 
- Know what your Homeowners Insurance policy excludes