Sandman Financial: Recent Episodes
Sandy Minardi
We examine some of the most significant elements of the Biden tax plan proposal and what some of its details may mean for your financial strategy in both the near term and the long term.
During this episode, we’ll discuss some of the critical things that life insurance beneficiaries should know, including what happens if a policy has lapsed and when you can expect to receive your payout. Additionally, we discuss the pros and cons of both permanent and term life insurance.
In this episode, we discuss employment anxiety among older workers and look at some jobs that are in demand for them, especially those who are 62 and older.
Do you know there are many different types of annuities? Some have high fees, some have NO fees. Some have fixed rates of return and others invest in the stock market. Which one is right for you?
401(k) plans are one of the most common retirement products. But what are they really? What are some common mistakes to avoid? And what even is a 403(b) and how is it different?! This episode examines the ins and outs of 401(k)s.
What are some basics of life insurance? Is life insurance something that should be considered as a part of your financial or retirement strategy?
During this episode, we’re going to examine financial statistics that may surprise you, scare you, or inspire you to readjust your own financial strategy.
Today’s episode addresses those last 5 or so important years before most people plan to retire. There are several tips and tricks to consider to make the most of your retirement, no matter where you are in the process.
During this episode, we discuss smart financial decisions during three critical chapters of your life: your 20s and 30s, your 50s, and during your retirement.
During this episode, we’re going to do a deep analysis of the recently passed American Rescue Plan. In our final segment, we’ll address some good post-pandemic budgeting options.
This episode examines some of the biggest dangers of putting off creating a financial strategy for retirement, including budgeting, long-term care and sharing your financial story with your beneficiaries.
During this episode, we’ll present financial tips for young workers. The tips in this episode may help steer workers who are still in their 20s toward a more secure and confident financial future and retirement.
Roth IRAs can be a solid part of an overall financial strategy. In this episode will describe Roth IRAs, compare them to traditional IRAs, highlight their tax implications and then look at rollovers.
During this episode, we’re going to examine some of the financial changes to Medicare in 2021, as well as some general insights and advice into this essential retirement tool.
During today’s episode, we’re going to discuss some of the changes you’ll see to Social Security in 2021 as well as what you can do to adjust your own retirement strategy to address those changes.
During this episode, we’re going to really break down 401(k) so that listeners can gain a deeper understanding of their importance. We’ll also discuss way to maximize your 401(k).
Do you know the difference between an IRA rollover and an IRA transfer? Do you know what precautions you should take as you roll over funds from one retirement account to another?
Show your love for each other by tackling the hard conversations with your spouse. This episodes covers 5 different topics you and your spouse should discuss before you retire. It’s important to have a plan both of you agree with to ensure your retirement years stay full of love for one another.
Tax season is a time of year when everyone is thinking about their finances. You can use it to help you make better decisions, not just this year but into the future.
During this episode, we’ll be discussing how you can build a legacy plan or adjust your current plan to last well beyond the pandemic. We’ve learned a lot this past year. Don’t let these experiences go to waste. Use our experiences to put practical plans in place for your life and your legacy.
During this episode, we’ll look at the steps people who are very close to retirement may want to take to ensure their financial strategies are as solid as possible so they leap into retirement with optimism and confidence.
You should reassess your goals and risk tolerance annually. Every project requires the correct tools. When building your financial future, you need the right tools to evaluate and analyze your strategy. This episode examines some potential options.
Medicare can be a confusing subject. There are so many parts, rules and regulations. Where do you even start when looking at Medicare? This episode serves as a potential beginner’s guide to Medicare.
During this episode, we’ll discuss various retirement savings tools that might be a good fit for your overall retirement strategy, whether you work for someone else, own a small business, or are otherwise self-employed.
With millions of Americans still working from home due to the pandemic and since it's the holidays, it’s a good time to take control of our finances to better prepare for a strong financial future.
During today’s show, we’ll be discussing what you need to do to prepare for retirement if you’re single. Much of the marketing around retirement focuses on couples, but single people have their own unique financial, healthcare, and personal needs when it comes to retirement.
During this episode, we’ll be taking a close look at annuities such as what they are, how they work, how much they cost and how to determine if they may fit your overall retirement strategy. There are plenty of nuances, as well as risks, that you should be aware of when deciding if an annuity is the right vehicle to provide lifetime income.
During this episode, we’ll discuss the various pros and cons of living full-time in an RV after you retire. For many people, life in an RV can be a grand adventure but there are potentially significant drawbacks.
What are some basics of life insurance? Is life insurance something that should be considered as a part of your financial or retirement strategy? There are many different types, with options and tax considerations.
During this episode, we’ll discuss how you may be able to use Black Friday to your advantage when it comes to buying big-ticket items and holiday gifts. We’ll also examine ways you can better prepare your finances for the holidays.
Have your circumstances changed during the coronavirus economy? Some simple budgeting adjustments may help you get through this economic volatility a little easier. During our episode today, we’re going to dig into just how important it can be to conduct a financial checkup.
During our episode today, we’re going to discuss specific steps you can take in each of the last five years before retirement to better position yourself to enjoy the rewarding retirement you’ve worked so hard towards.
Annuities can provide a steady stream of retirement income if utilized properly. Find out about different types of annuities, how they work and how/when they may be part of a financial strategy.
Not everyone is prepared for retirement. How will you make up the difference? Do you have a strategy? This episode looks at potential options, tips and tricks to address being unprepared.
Do you know there are many different types of annuities? Some have high fees, some have NO fees. Some have fixed rates of return and others invest in the stock market. Which one is right for you?
Do you know the difference between a Qualified account and a Non-Qualified Account? Learn how to protect your money from making a wrong tax move with your IRA’s, 401K’s, Roth Accounts and more.
Roth IRAs can be a solid part of an overall financial strategy. This episode will describe Roth IRAs, compare them to traditional IRAs, highlight their tax implications and then look at rollovers.
The financial media is flooded with information about annuities. Some of it may be good to know. Some may not be. How can you filter the perceptions that are rooted in reality from the ones that aren’t?
Do you know the difference between an IRA rollover and an IRA transfer? Do you know what precautions you should take as you roll over funds from one retirement account to another?
Do you know the difference between an IRA rollover and an IRA transfer? Do you know what precautions you should take as you roll over funds from one retirement account to another?
During this episode, we’ll discuss some of the critical things that life insurance beneficiaries should know, including what happens if a policy has lapsed and when you can expect to receive your payout. Additionally, we discuss the pros and cons of both permanent and term life insurance.
It may be time for a procrastination intervention when it comes to your retirement strategy. What do you need to do first?
Every project requires the correct tools. When building your financial future, you need the right tools to evaluate and analyze your strategy. This episode examines some potential options.
Hear tips on how to boost your retirement savings and income. A little bit from lots of areas adds up to surprising savings over time. Hear how now.
On this episode, Sandy examines the ins and outs of 401(k)s. What are some common mistakes to avoid? What are direct and indirect rollovers? What are taxation issues to consider? How do you turn 401(k)s into lifetime income?
Pensions are disappearing. What can you do to make sure that you have adequate monthly income in retirement? Listen to this podcast to learn more about retirement preparation from Sandy Minardi & Sandman Financial.
The financial media is flooded with information about annuities. Some of it may be good to know. Some may not be. How can you filter the perceptions that are rooted in reality from the ones that aren’t?
Communication is key for couples approaching retirement. Learn tips and topics you need to discuss.
In this show we will examine the differences between Medicaid and long-term care insurance. They are different solutions to different issues you may face. We hope this show will help clear up some of the confusion between the two.
What are some basics of life insurance? Is life insurance something that should be considered as a part of your financial or retirement strategy?
What is the difference between qualified and non-qualified money? This episode will provide the definition and the differences between qualified and non-qualified money and taxation issues of each type of account
It's important to be comfortable with who helps you plan for your retirement. Get to know Sandy and her heart for helping clients plan for retirement.
Roth IRAs can be a solid part of an overall financial strategy. This episode will describe Roth IRAs, compare them to traditional IRAs, highlight their tax implications and then look at rollovers. Current tax laws sunset in 2026. Are you prepared for likely tax increases?
Roth IRAs can be a solid part of an overall financial strategy. This episode will describe Roth IRAs, compare them to traditional IRAs, highlight their tax implications and then look at rollovers. Current tax laws sunset in 2026. Are you prepared for likely tax increases?
The federal government’s Coronavirus Aid, Relief, and Economic Security (CARES) Act was signed into law in March of 2020. It comes with several loans and grants as well as new and adapted rules and regulations. Find out what it might mean for you.
Do not wait for markets to wobble to make key adjustments to your financial plan that can help to minimize losses. Plan with your retirement in mind.
Annuities can provide a steady stream of retirement income if utilized properly. Find out about different types of annuities, how they work and how/when they may be part of a financial strategy.
With millions of Americans currently working from home as the world deals with the coronavirus pandemic, it’s a good time to take control of our finances to better prepare for a strong financial future.
Kiplinger and Personal Capital recently teamed up on a poll to see how Americans react to market volatility. How do you stack up?
The coronavirus disease has dominated the news cycle for the past few weeks and it’s not going away. Instead of letting that get you down, here are some things you can do to respond and prepare your retirement strategy.
What exactly are Annuities. Let's break it down and simplify the information about different types of Annuities. There are a lot of myths about annuities we will address. Annuities are a great tool to incorporate into many retirement plans.
Tax season is a time of year when everyone is thinking about their finances. You can use it to help you make better decisions, not just this year but into the future.
Ready. Set. Retire. There are tips to follow to strategically plan for your retirement. Hear some useful ideas about how you can live out your dreams in your retirement. (Part 2)
Ready. Set. Retire. There are tips to follow to strategically plan for your retirement. Hear some useful ideas about how you can live out your dreams in your retirement. (Part 1)