Mind Your Money with Bradshaw Rogers Financial Partners: Recent Episodes
Trent Bradshaw
The Mind Your Money Podcast is an extension of the great education and conversation the Bradshaw Rogers Financial Partners team has always believed in. This show will extend the kinds of financial and retirement planning topics we've covered over the years in our video series and blogs with the added ability to highlight and elevate some of the top business owners and leaders in and around Salisbury, NC. Your hosts are Trent Bradshaw and Brandon Rogers of Bradshaw Rogers Financial Partners. If you would like to be a guest or ask Trent and Brandon a question, please reach out. Email office@bradshawfp.com or call 704-216-2260. Discussions in this show are for educational purposes only. Information presented should not be considered specific investment advice or a recommendation to take any particular course of action. Always consult with a financial professional regarding your personal situation before making financial decisions. The views and opinions expressed are based on current economic and market conditions and are subject to change. All investing involves risk, including the potential for loss of principal. Securities and Advisory Services offered through United Planners Financial Services, Member FINRA, SIPC. Bradshaw Rogers Financial Partners and United Planners are not affiliated. United Planners and its representatives do not offer tax or legal advice.
Retirement isn’t a full stop- it’s a new chapter! For many, it’s not about doing nothing; it’s about doing something different. Whether it’s boredom after the first six months, the desire to stay active, or a financial nudge to earn a little extra, more retirees are choosing to “unretire” with purpose. In this episode, Trent and Brandon share creative and meaningful ways retirees can stay active, engaged, and fulfilled during their retirement years.
This conversation explores the wide world of second-act opportunities, from consulting and tutoring to dog-walking, antique dealing, car detailing, and part-time retail gigs. You’ll hear real stories of retirees turning hobbies into income and using their expertise in flexible, fulfilling ways. If you’re wondering what comes after retirement, this episode may just open the door to your next great chapter.
Here’s some of what we discuss in this episode:
🧠 Why keeping your mind engaged matters after retirement
🎸Creative outlets that pay- from guitar lessons to antique dealing
🛍️ The perks of part-time, flexible work
👶 Grandkids, gig work, and giving back
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
Graduation season is an exciting milestone, not just for the grads, but for parents and grandparents who have supported them along the way. Today, Trent and Brandon share practical ways you can help your graduate make smart financial decisions early, along with actions that could have a lasting impact on their future.
From the power of compounding and Roth IRAs to budgeting basics, emergency funds, and debt traps, they outline the conversations that can help shape a graduate’s financial mindset for years to come. You’ll also hear meaningful gift ideas that aren’t just a check in an envelope. Whether you're a parent, grandparent, or mentor, this is a chance to inspire confident financial habits before your grad steps into their next chapter of life!
Here’s some of what we discuss in this episode:
📈 Why compounding beats cramming- so start early!
💳 Debt traps and how to help graduates dodge them
🏠 Should you rent or buy after graduation?
🛟 Building an emergency fund
🎁 Creative graduation gifts that build wealth
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
Mother’s Day may have passed, but there’s still time to give a gift that truly matters- helping ensure the important women in your life are financially strong for years to come. While money conversations can feel uncomfortable or even taboo, they’re essential for creating peace of mind and avoiding confusion down the road. From overlooked life insurance policies to disorganized accounts, too many families are left scrambling simply because no one had “the talk.”
In this episode, Trent and Brandon break down how to have meaningful financial conversations with moms at every life stage: retired, young, or caring for both kids and aging parents. They discuss why getting organized matters, what documents and policies often go unnoticed, how to prepare for long-term care needs, and the overlooked value of digital literacy and cybersecurity. If you’re looking to give a gift that truly matters this year, start here, with the tools and questions that can bring clarity, confidence, and comfort to your loved ones.
Here’s some of what we discuss in this episode:
💐Why a "money talk" might be the most valuable Mother’s Day gift
⚠️The hidden risks of letting one partner handle all the finances
🔒 Protecting aging parents from online fraud
🤝 Building your financial dream team: CPAs, attorneys, and advisors
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
When the market is crashing, it's easy to feel like you're the only one who's ever felt this anxious. But the truth is, some of the greatest investors in history have lived through chaos, and they left behind wisdom that still applies today. In this episode, we turn to voices like Warren Buffett, Benjamin Graham, and Jack Bogle to remind us how to think, act, and stay grounded when everything feels uncertain.
Tune in for timeless lessons about controlling your emotions, staying the course, and avoiding costly mistakes like panic selling or trying to time the market. You'll hear why staying disciplined during downturns has always been the key to long-term success, and why the "this time is different" mindset can be one of the biggest traps for investors.
Here are the quotes we discuss in this episode:
💬 “Be fearful when others are greedy, and greedy when others are fearful.”
💬 “The investor’s chief problem - and even his worst enemy - is likely to be himself.”
💬 “Stay the course. No matter what happens, stick to your program…”
💬 “The four most dangerous words in investing are: ‘This time it’s different.’”
💬 “Far more money has been lost by investors preparing for corrections… than has been lost in the corrections themselves.”
💬 “Risk is what’s left over when you think you’ve thought of everything.”
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
The Masters is a beautiful reminder of how much strategy, patience, and long-term focus go into a great round of golf. Turns out, retirement planning works the same way. In this episode, Trent and Brandon tee up five key lessons from the Augusta National and show how they translate into smarter financial decision-making. They explore why chasing a “hole-in-one” stock rarely works, why a single financial tool isn’t enough, and how to prepare for the unexpected risks that show up later in life.
You’ll also hear why the last phase of retirement planning can be just as important as the early years and how working with a trusted advisor can help you avoid the costly mistakes that sideline so many investors. Whether you're still saving or already drawing from your accounts, this episode will help you think more clearly about how to stay steady, avoid hazards, and finish your financial game strong.
Here’s some of what we discuss in this episode:
⛳ A hole-in-one won’t win retirement
📊 Why you need a full “bag” of financial tools
⚠️ Hazards like inflation and taxes can derail your plan
📉 The final stretch of retirement may be the riskiest
🤝 Why every pro needs a caddy (aka an advisor)
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
The thing about assassins in the real world is that they’re sneaky and you don’t see them coming. And the assassins in the retirement planning world are exactly the same way. Let’s talk about some of the retirement assassins that can destroy your retirement if you’re not on guard.
From stock market crashes to unexpected costs, many factors can derail your plans without warning. Whether it’s the rise of inflation, increased healthcare costs, or the loss of a spouse’s income, we’ll discuss how you can proactively combat some of these silent threats.
Here’s some of what we discuss in this episode:
- Having an income plan to help mitigate losses during market corrections
- The high costs of nursing homes and assisted living
- The financial implications of losing a spouse
- Planning for a longer life expectancy to ensure your savings last
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
If you’ve spent years successfully managing your own investments, do you really need a financial advisor? That’s the question Bob, one of our listeners, sent in. He’s got an MBA, knows the markets well, and has always handled his portfolio solo.
So, is working with an advisor just an extra expense, or could it actually add real value? In this episode, we break down when and why even experienced investors might benefit from professional guidance and when they’re probably fine on their own.
Here’s some of what we discuss in this episode:
- Where financial advisors add value that DIY investors might not consider
- Common financial blind spots or mistakes that smart DIY investors tend to overlook
- What happens when life changes?
- What Trent and Brandon would say to investors who are skeptical that an advisor could improve their financial situation
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
Financial mistakes can happen at any age, but they can have a particularly significant impact in your 60s. In today’s episode, Trent and Brandon discuss 5 common financial blunders to avoid during this pivotal decade.
They’ll break down the missteps that could derail your retirement plans, from claiming Social Security without a plan to failing to protect your assets as you move into retirement. They’ll also share practical strategies to help you stay on track and make informed financial decisions. Tune in to ensure you’re not making these 5 financial mistakes!
Here’s some of what we discuss in this episode:
- The impact of unnecessary spending on retirement plans
- Overlooking healthcare costs and insurance planning
- Failing to protect your assets as you move into retirement
- Taking or delaying Social Security benefits without a plan
- Omitting an estate plan
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
A recent article on Fortune highlights a growing trend among baby boomers: continuing to work well into their 60s and 70s. Surprisingly, this not out of necessity, but for the mental stimulation, social connections, and fulfillment that work provides. With nearly 20% of Americans over 65 still employed, this shift is challenging traditional views of retirement and sparking important conversations about what it means to truly retire.
Join us as we explore this growing trend on today’s show. Trent and Brandon have seen firsthand how important it is to have a plan for how you’ll spend your time in retirement. Could staying in the workforce be the right choice for you?
Here’s some of what we discuss in this episode:
- The importance of knowing what you’re retiring to
- The loss of purpose and loneliness that some retirees can feel
- Some considerations to keep in mind if you’re planning to work part-time or as a contractor
- The shifting attitudes toward work and retirement in younger generations
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
As we kick off 2025, a lot of people consider what they want the year to look like and how to put their best foot forward, especially financially. Think: “new year, new me!” To figure out what the new “you” is all about, sometimes it helps to reflect first on what you’ve done in the past and what you want to change moving forward.
In this episode, we’ll dive into some common financial pitfalls- like overspending, neglecting investments, or not having a clear financial plan- and explore practical ways to shift toward smarter money management in 2025. Whether it’s creating a budget that actually works, making informed investment decisions, or simply getting a better handle on your overall financial picture, tune in for helpful changes you can make this year to embrace the new you.
Here’s some of what we discuss in this episode:
- Prioritizing what you spend on
- Making room in your financial plan for enjoyment
- Taking the time to list out your accounts and the amounts in them
- Getting your investments back on track
- Making a plan that is specific to your goals and your needs
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
Kick off the New Year by gaining valuable financial insights. In this episode of the Mind Your Money podcast, Trent and Brandon dive deep into listener questions covering a wide range of topics.
Join them as they break down questions around maximizing 401(k)s, when you should be looking at taking your Social Security benefit, how spouses can get on the same page financially, and the fear of a future market crash.
Here’s some of what we discuss in this episode:
- Spousal Financial Harmony: Discover practical strategies to bridge the gap between spouses' financial perspectives and achieve shared goals.
- 401(k) Optimization: Learn how to maximize your 401(k) contributions and investment choices to build a strong retirement foundation.
- Social Security Timing: Explore the complexities of Social Security benefits and determine the optimal age to start claiming to maximize your lifetime income.
- Conquering Market Crash Anxiety: Address the fear of market downturns and develop a robust investment strategy that can weather economic storms.
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
You wouldn’t necessarily expect Mike Tyson, Kim Kardashian, and Snooki to dispense valuable insights about financial planning matters. In fact, you’d probably expect the opposite. But with a little bit of creativity, we can get some financial planning pearls of wisdom from even the most unlikely of sources.
Listen in to today’s show as we break down quotes from some of your favorite celebrities to see what financial lessons we can learn from them. Trent and Brandon will discuss attacking financial challenges head-on, why a plan is crucial to helping you stay on track, taking charge of your finances, and much more. Whether you’re a fan of celebrity and entertainment culture, or you’re looking for some financial guidance, there’s something for you in today’s episode.
Here’s some of what we discuss in this episode:
- Tackling your financial problems head-on
- The importance of planning so you’re ready for the unexpected
- Taking charge of your finances
- Focusing on solutions
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
In this episode of Mind Your Money, Trent and Brandon cover a few different topics. First, they explore the pros and cons of using dividend-paying stocks as a retirement income strategy. They’ll also dive into the impact of market crashes and how your stage in life influences your approach to risk management.
Finally, they explore the key differences in retirement planning for Baby Boomers and Gen Xers. This episode covers a lot of ground, so be sure to reach out to Trent and Brandon if you have any questions. They’re here to help!
Here’s some of what we discuss in this episode:
- Some pros and cons of dividend stocks + taking a balanced approach to investing
- The impact of market crashes on different age groups
- The differences in retirement planning for Gen X and Baby Boomers
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
Congressman Brendan Boyle recently asked the Congressional Budget Office to study the potential impact of raising the full retirement age for Social Security from 67 to 69. While this change is purely hypothetical for now, it highlights an important issue for the future of Social Security.
Social Security will likely be around in some form for the foreseeable future, but it’s unlikely to stay exactly as it is today. Listen in as Trent and Brandon break down the proposal from Congressman Boyle and discuss why they believe long-term fixes to Social Security are needed.
Here’s some of what we discuss in this episode:
- A recent proposal to raise the retirement age from age 67 to age 69
- Making Social Security more sustainable in the long term
- The pros and cons of increasing the full retirement age
- Cutting your own path for your retirement
Resources for this episode
Learn more about this proposal here:
https://www.cbo.gov/publication/60516
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
We talk a lot about the Fed on this show- and for good reason. While elections can have an impact on your investments, what the Fed does next might matter even more. In today’s episode, we’re diving into how the Fed’s recent and potential rate cuts will affect retirees, pre-retirees, and anyone focused on growing and protecting their savings.
We’ll break down the Fed’s actions over 2024, from early-year uncertainty to the real possibility of a full 1% rate cut by year-end. We’ll also look ahead to 2025, when even bigger rate cuts could be on the table. If you’re curious about the impact of these Fed decisions and how to stay proactive, this episode is packed with timely insights!
Here’s some of what we discuss in this episode:
- The Fed’s 2024 rate cuts + potential cuts coming in 2025
- How falling rates impact money market yields
- Using CDs and fixed-income options to lock in favorable rates
- How rate cuts could impact overall market performance and economic growth
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
Remember the thrill of shaking a Magic 8 Ball to get answers to your childhood questions? Would we ace that math test? Would we be famous someday? Well, today, we're bringing a bit of that magic back. But instead of asking about pop quizzes and playground crushes, we’re turning to the Magic 8 Ball for advice on something much more important: your retirement planning!
What would the Magic 8 Ball have to say about these common retirement questions if it had the wisdom of a financial advisor?
Here’s some of what we discuss in this episode:
- “Should I start saving for retirement now?”
- “Is 1 million dollars enough to retire?”
- “Will my retirement plan be affected by future changes in tax laws?”
- “Should I consider working with a financial professional as I near retirement?”
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
Remember when you were a kid, always asking 'How do you know?' about everything, like why the sky is blue or where the sun goes at night? That curiosity doesn't go away as we get older; it just turns into different questions, like the ones we face when planning for retirement.
Today, we’re digging into the 'How Do You Knows' of retirement planning. How do you know how much income you’ll need when you retire? How do you know if an advisor is a good fit for you or not? Tune in as Trent and Brandon answer these questions and more on this week’s episode of Mind Your Money!
Here’s some of what we discuss in this episode:
- How do you know how much income you’ll need when you retire?
- How do you know how much money you should have in your savings account?
- How do you know how much risk you should be taking with your investments?
- How do you know if an advisor is a good fit for you or not?
- How do you know how long your retirement savings need to last?
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
We’re going to do something a little different on this episode of the podcast. Instead of diving into important financial planning topics, Trent and Brandon and are going to take a personal approach. This episode is all about getting to know the personalities behind the financial expertise, and it’s filled with fun and candid conversations that will make you feel like you’re chatting with old friends.
Let’s have some fun talking about our favorite seasons, the best local breakfast spots, the great debate between the beach or the mountains, and more. We hope this episode gives you a glimpse into our lives and interests beyond the everyday work we do as financial planners. If you have any opinions to share, let us know!
Here’s some of what we discuss in this episode:
- Trent and Brandon’s favorite seasons.
- A deep dive into some food takes, from the best breakfast places to their favorite things to cook.
- The great beach vs. mountains debate.
- Passions outside of financial planning.
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
Children and grandchildren are a gift to many but they also introduce a unique set of financial responsibilities and questions that you may not have otherwise faced. In today’s episode, we explore how these family dynamics impact your financial planning, especially when it comes to legacy and long-term care.
Join Trent and Brandon as they dive into the most common scenarios where future generations influence retirement planning. They’ll cover topics such as managing finances in a blended family, creating lasting legacies, and finding the right balance between retirement goals and family needs. Don’t miss these valuable insights from the Mind Your Money podcast!
Here’s some of what we discuss in this episode:
- Life insurance as a means to transition assets from one generation to the next
- Aging parents counting on their children to take care of them later in life
- Handling the finances of blended families
- Lending money to children
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
Saving for your child’s college education is a major financial undertaking, and it can be hard to know exactly where to start. With costs rising faster than regular inflation, early planning is crucial. Luckily, Trent and Brandon are here to help guide you and explain the options you may have to start saving up for your child’s future.
Listen in as the duo explores the current costs of college tuition, when you should start saving for your child’s education, and what plans exist to help put you on the right path. They’ll also share some common questions they receive from parents and grandparents about college planning. If you have any additional questions about this process, don’t hesitate to reach out to Trent or Brandon for professional insights!
Here’s some of what we discuss in this episode:
- Tuition costs in 2024
- How early you should start saving for your child’s college education
- 529 plans and alternative savings options
- Reducing the cost of college
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
There are some lies that people commonly tell themselves when it comes to financial planning. For example, are you guilty of telling yourself that you’re too young to start saving for retirement? Or that it’s safer if you keep your money in cash? Then this is the episode for you!
Join Trent and Brandon as they dive into some common lies that people tell themselves when it comes to their finances. They discuss how anyone can benefit from investing, the long-term advantages of starting to save for retirement early, and the importance of having a trusted financial advisor. Some of these items could be severely holding you back, so stay tuned!
Here’s some of what we discuss in this episode:
- How everybody can utilize investing.
- You’re never too young to start saving for retirement.
- Keeping both partners in a marriage informed on finances.
- Accounting for inflation in retirement.
- The value of having a financial advisor.
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
Are you confident in your choice of financial advisor? In our latest episode of the Mind Your Money podcast, Trent Bradshaw and Brandon Rogers from Bradshaw Rogers Financial Partners discuss the common mistakes people make when selecting a financial advisor. Learn about the importance of understanding advisor compensation, the pitfalls of trusting big brand names, and the significance of checking credentials and fiduciary status. Don’t miss these valuable insights to help you make informed decisions about your financial future.
Here are some of the excuses we’ll discuss in the episode:
- Not understanding how the advisor gets paid
- Putting too much trust in a recognizable national brand name
- Nodding and smiling instead of asking for clarification on things you don’t understand
- Working with someone with the wrong specialty
- Not checking credentials or the advisor’s background
- Ignoring the advisor’s fiduciary status
- Not covering expectations for communication style & frequency
- Forgetting to ask about the advisor’s network and resources (like estate planning contacts, CPA relation-ships, etc.)
- Not asking about the advisor’s succession plan
- Not requesting examples of success stories or references
To hear more about these common mistakes and how to avoid them, listen to the full episode of the Mind Your Money podcast.
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
When it comes to managing money, we all have our justifications for the choices we make. However, some of these excuses can lead to poor financial decisions that may affect your future. In this episode, Trent and Brandon share some of the most common excuses they hear and explain why they don’t often hold water.
From starting Social Security too early to taking excessive risks with your investments, it's easy to make excuses and hope that they’ll somehow work out in the end. Have you ever made any of these excuses when it comes to your financial decisions? Let’s replace them with actionable strategies to serve you better.
Here are some of the excuses we’ll discuss in the episode:
- “I paid into the Social Security system and I want to be sure that I get my money before it goes bankrupt.”
- “I feel like I’m behind in my savings and I need to make up for lost time.”
- “I lost a lot in the last market crash and I don’t want to go down that road again.”
- “Financial stuff just really isn’t my thing.”
- “I’ve been working with him for a long time and I don’t want to hurt that friendship.”
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
Many people have preconceived notions about what retirement should look like. Oftentimes, TV commercials and retirement shows paint this as a time of endless days of relaxation, travel, and leisure. But how realistic is this for you?
We’ve found that some people just need a reality check when it comes to understanding their retirement. Today, we'll explore why a realistic approach to retirement, inclusive of financial planning and the potential for unexpected challenges, is crucial. Listen in as we chat about managing your expectations, accounting for changing expenses, and being prepared to adjust your plan along the way.
Here’s some of what we discuss in this episode:
- Thinking about what retirement will realistically look like for you
- Accounting for changing expenses such as health insurance and new spending habits
- Being prepared to adjust financial plans as unexpected expenses or lifestyle changes arise
- Not being too proud to ask for help from a financial professional
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
There's something fun about getting to know the people behind the professional titles. So, in today’s episode, Trent and Brandon are taking a break from financial talk to share a bit about themselves. They’ve lined up some unique questions to help you get to know them on a more personal level.
From childhood mischief to career reflections, Trent and Brandon will share personal stories that shaped their paths and why they're passionate about helping people navigate their financial futures. We hope you enjoy this special edition of the show. We’ll be back with our regularly scheduled financial content in the next episode!
Here are the questions Trent and Brandon answer in today’s show:
- What do you do on your commute to and from work?
- If you could do it all over again, would you pursue the same career?
- What’s the worst lie you ever told your parents?
- What’s your favorite meal? Breakfast, lunch or dinner?
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
The Kentucky Derby is coming up on May 4th this year. As always, it’ll be a spectacle of speed, strategy, and stunning hats. In this episode, we’ll explore how several intricacies of horse racing intertwine with the journey to crafting a winning retirement plan.
Learn the importance of a strong support team, protecting your investments, and why a one-size-fits-all approach to financial planning is as outdated as last year's Derby hat. Don't bet on chance; bet on a plan. Grab your saddle and join us at the starting gate as we race toward retirement.
Here’s some of what we discuss in this episode:
- Just as racehorses undergo regimented training, investors need to educate themselves
- Having solid communication with your team is an important part of the process
- Understanding the balance of risk and reward + doing your homework before making big investment changes
- The importance of adaptability and strategies throughout the different phases of retirement planning
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
Unpack the toolbox of technology that's promising to redefine retirement planning, but does it deliver? This episode takes a critical look at the wave of innovations, from personal finance management software to online calculators, and questions whether they truly simplify the planning process or introduce new complexities.
While technological advancements undoubtedly bring positive changes to the financial industry, it's crucial to acknowledge their limitations. For example, while robo-advisors and online calculators are convenient and easily accessible, they lack the personalized insight and emotional support a human can provide. Tune in as Trent and Brandon highlight some of these advantages and drawbacks so that you can leverage these tools effectively.
Here’s some of what we discuss in this episode:
- Google is great for general information, but can easily become overwhelming in the decision-making process
- The rise of robo-advisors + many individual’s preference for human interaction in financial advising
- Being careful with online calculators and cable channels dedicated to financial and economic news
- Getting a second opinion on the financial advice you see on social media platforms
- The potential risks of relying solely on digital estate planning services
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
Are you planning for your retirement with the confidence that you're making all the right moves? In today's episode, we'll unveil the crucial income planning mistakes that could jeopardize your retirement. Tune in to ensure your retirement strategy is foolproof against common pitfalls and ready to secure your financial future.
Did you know that many of us could spend as many years (or more) in retirement as we did working? With such high stakes, meticulous planning is essential. From starting Social Security too early to underestimating the impact of inflation, Trent and Brandon will highlight key areas to watch out for in the planning process. Click play to learn how to craft a financial plan designed to last decades, not just years.
Here’s some of what we discuss in this episode:
- The danger of planning for years instead of decades in retirement
- Starting Social Security too early
- The danger of ignoring inflation
- Forgetting to create lifetime income streams other than Social Security
- Disregarding tax implications on retirement income
- Failing to review and update your plan regularly
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
Imagine your retirement plan as a ship sailing toward a horizon of rest and relaxation. But what if one leak could sink it all? In today’s episode, we spotlight some of the single oversights that could send your dreams to the bottom.
We'll share key strategies to plug the gaps, ensuring your financial ship stays buoyant and on course. Tune in to protect your future from the one mistake that could derail everything.
Don't let your financial ship sail without a sturdy plan. Reach out to the Bradshaw Rogers Financial Partners team for personalized guidance and expertise.
Here’s some of what we discuss in this episode:
- The risk of outliving your savings + the transition from accumulation to income generation in retirement
- The impact of inflation on retirement assets + keeping up with or exceeding inflation rates
- Considering long-term care costs in retirement planning
- The inevitability of stock market volatility + heightened emotional impact in retirement years
- Planning for potential future tax increases + taking advantage of current tax rates
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
March Madness is upon us! As you fill out your bracket and watch the NCAA Tournament this year, there are a few retirement planning lessons that you can learn along the way. Listen in as we draw some parallels between March Madness bracketology and financial planning.
From predicting outcomes to dealing with upsets, we’ll discuss the importance of having a solid financial plan, being prepared for unexpected changes, and avoiding emotional decisions in the planning process. Don't miss out on these game-changing insights as you cheer for your favorite teams and plan for your financial future!
Here’s some of what we discuss in this episode:
- Having a solid plan in place + adapting as things occur that you didn’t anticipate
- No outcome is inherently good or bad in financial planning
- Investing too heavily in company stock because of your faith in your company
- Avoiding a portfolio full of heavy risks, especially as you near retirement
- How emotional investing can be detrimental to your retirement savings
- Planning for unexpected expenses and changes in your retirement
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
Everyone wants to know. Will the economy boom or bust in 2024? Join us as we explore a range of expert predictions, from the shifting trends in housing prices to the looming question of a potential recession or stock market crash.
We'll balance our discussion with both optimistic and pessimistic perspectives from an array of sources to give you a comprehensive view. Tune in to navigate the uncertainties and opportunities of 2024's economic landscape and equip yourself with knowledge for the year ahead.
Here’s some of what we discuss in this episode:
- Optimistic views, such as Lawrence Young, claim a housing crash is unlikely, although various real estate companies predict a relatively flat market this year
- The economic outlook for 2024 includes a potentially challenging first half with a mild recession followed by a rebound in the second half
- Economist Harry Dent predicts a massive crash in 2024, whereas investment firm CEO Jay Hatfield expresses positivity for the 2024 stock market
Resources for this episode:
Housing Market Articles:
https://www.newsweek.com/will-housing-market-crash-2024-realtors-share-predictions-1851540
https://www.financialsamurai.com/2024-housing-market-price-predictions-by-industry-experts/#:~:text=The%20real%20estate%20industry%20average,market%20rather%20than%20a%20crash.
Recession Article:
https://cals.ncsu.edu/news/you-decide-will-2024-be-a-year-of-two-economies/
Stock Market Article:
https://www.cnbc.com/2023/12/19/2024-market-predictions-bumpy-landing-for-the-economy.html
https://markets.businessinsider.com/news/stocks/stocks-crypto-house-prices-dent-market-outlook-bubble-crash-recession-2023-12
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
Sometimes it’s hard to make financial sacrifices when the reward might not be seen until several years in the future. Today we’ll talk about some of the situations where you might be inclined to take the immediate benefit, when you should really consider the delayed rewards
While it might be tempting to use some of your savings for non-emergency purchases or to cash out your retirement plan before your full retirement age, today’s episode is all about strategic decision-making and keeping the long-term vision in mind. Stay tuned as we talk about 5 key areas in financial planning where patience can make all the difference.
Here’s some of what we discuss in this episode:
- Don’t pass up on free money from your employer's 401K match
- Diversifying savings across different tax buckets
- Avoiding depleting your savings for non-emergency purposes
- The impacts of cashing out your retirement plan before you’re supposed to
- The potential dangers of delaying home maintenance and updates
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
Just like building a snowman in the crisp winter air, creating a structurally sound retirement strategy requires careful consideration and planning. From establishing a solid base to adding protective layers, we’re here to ensure your financial landscape remains cool and collected.
Tune in and learn how to build a financial snowman that stands the test of time. We’ll talk about the importance of establishing an emergency fund, basic budgeting, making consistent contributions to your retirement savings, diversification, and so much more. Bundle up and let’s get rolling!
Here’s some of what we discuss in this episode:
- Creating a solid financial foundation by prioritizing an emergency fund and budgeting
- Consistently contributing to your retirement savings and slowly increasing your contributions over time
- Setting clear goals for retirement, including lifestyle, travel plans, aspirations + working toward a debt-free future
- The importance of flexibility and adaptability in the retirement planning process
- Protecting yourself from financial noise + staying focused on your individual financial plans and goals
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
“Learn from the mistakes of others. You can’t live long enough to make them all yourself.” – Eleanor Roosevelt… Ever wish you could foresee financial missteps before they happen? In today’s episode explore some real-life stories of regret and arm yourself with the essential dos and don'ts to ensure your money works for you, not against you.
We kick things off by discussing the drawbacks of early IRA withdrawals before talking about how important it is to keep lifestyle creep in check in your peak earning years. We’ll also discuss the potential impact of overspending on tuition for your children, the risks that come with retiring early without proper planning, optimizing your Social Security benefits, and more. Tune into this informative conversation and avoid financial regrets!
Here’s some of what we discuss in this episode:
- Avoiding premature IRA withdrawals
- Keeping “lifestyle creep” in check + avoiding overspending in your peak earning years
- Having a plan for the increasing costs of education + spending too much on helping your kids
- The pitfalls of retiring too early without a proper plan
- Taking Social Security too early
- Ignoring opportunities for Roth IRAs
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
The retirement planning world is filled with plenty of advice and suggestions, but there are critical questions lurking in the shadows – the unasked, the overlooked. These are the questions that can help define the comfort and security of your retirement future. In this episode, we unearth and tackle these hidden, but essential questions about retirement.
What kind of medical coverage might you need over and above Medicare? Should you allocate your investments differently during retirement than during your working years? Listen in as Trent and Brandon tackle these commonly overlooked questions so that you can gain the clarity you need to take on your retirement years with confidence!
Here are some of the hidden questions we’ll discuss in today’s show:
- How much are my tax-deferred savings going to cost me in taxes?
- How much can I withdraw from my savings each year?
- Should I still have life insurance when I’m retired?
- What kind of medical coverage will I need over and above Medicare?
- How much am I really paying in fees and commissions?
- Should I allocate my investments differently during retirement than during my working years?
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
Are you over 55 and pondering retirement? Dive into the world of Required Minimum Distributions (RMDs) with us. In this episode, we demystify the reasons behind mandatory withdrawals from your retirement savings.
Listen in as we discuss strategies to potentially avoid them and understand the risks of not preparing for them in advance. And for those fortunate to not rely on RMDs for income, we'll explore impactful ways to utilize those funds.
Join us as we explore the ins and outs of RMDs, their recent changes, and the smart strategies you can employ to ensure you keep more of your hard-earned money!
Here’s some of what we discuss in this episode:
- What are Required Minimum Distributions (RMDs) and why do they exist?
- Can RMDs be avoided?
- Not planning for RMDs can lead to unexpected tax hits, especially if they push you into higher tax brackets or affect your Social Security taxation
- What can you do with RMDs if you don't need the money for income?
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
Retirement is a unique journey for each of us. The thought that there's a one-size-fits-all solution is a myth, but what if we told you there are certain universal truths that can guide every retiree? Dive deep in this episode, where we juxtapose the individuality of retirement plans with the foundational principles that remain consistent across the board.
Listen in as Trent and Brandon discuss some critical topics, such as the impact of keeping money in cash, the importance of diversification for risk management, the emotional aspects of investing, tax implications, the significance of estate planning, and more. Whether you're approaching retirement or planning for the future, tune in as they uncover the universal truths that can guide you toward a financially secure and fulfilling retirement.
Here’s some of what we discuss in this episode:
- Money sitting in cash may not keep up with inflation, so consider other investment options.
- Diversifying your investments across various asset classes is crucial for managing risk.
- Emotions like fear and greed can negatively affect investment decisions, so rely on a well-structured financial plan.
- The importance of tax planning to minimize your tax liabilities in retirement.
- Retirement doesn't have to mean complete disengagement from work; it's an opportunity for new pursuits and activities.
- Estate planning is important for everyone, not just the wealthy
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
There are some people who don’t care at all about leaving a financial legacy, but for those who do, it’s important to eliminate some of the common estate planning mistakes.
In this episode, we cover topics ranging from poor expense planning to outdated beneficiary designations and family conflict triggers. We also shed light on some misconceptions about transferring real estate and explain the impact of tax implications on your estate. If you want to leave a legacy without regret or legal turmoil, this episode is a great starting point.
Here’s what we’ll discuss in this episode:
- We don’t know when we’ll encounter significant expenses, but we know they’ll happen eventually and need a plan for them.
- Failing to update your beneficiaries could create big problems for your estate
- A lot of the conflict and potential litigation among heirs and family members can be solved by good communication.
- Transferring real estate while you’re still living instead of at death isn’t usually your best option.
- We have to consider the tax implications of your estate so let’s talk about some of the things you should be thinking about.
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
In this episode, we construct a helpful conversation about the role of real estate in a retirement strategy, exploring everything from rental income to reverse mortgages. Whether you're a pre-retiree with a portfolio of properties or just curious about leveraging your home equity, this discussion offers thoughtful insights for anyone navigating the crossroads of real estate and retirement.
Tune in as we discuss some pros, cons, and important considerations of different real estate investments. We’ll discuss the importance of diversifying your retirement portfolio, the realities of property management, tax considerations, and more. Join us to see whether real estate is an appropriate investment for your retirement strategy!
Here’s what we’ll discuss in this episode:
- While real estate can be a lucrative investment, don't put all your eggs in one basket. Diversify your retirement portfolio by combining real estate with other investment vehicles like 401(k) plans.
- Real estate investments are less liquid compared to traditional investments like stocks and bonds. Understand that selling real estate can be a time-consuming process, and consider the liquidity needs in your retirement plan.
- Be aware of the tax implications of real estate investments versus traditional retirement accounts. Explore tax advantages like write-offs for property expenses, long-term capital gains, and tax-deferral strategies like 1031 exchanges.
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
Don’t get us wrong. In many cases, your 401(k) can be your best investment vehicle, offering numerous benefits and tax advantages and many times a 100% return on some of your contributions (also known as an employer match). However, it's important to recognize that it might not always be the optimal choice for everyone. Join us in this thought-provoking episode as we dissect some reasons why someone should NOT invest in a 401(k).
By considering various scenarios, such as the absence of an employer match, the importance of having an emergency fund, and limited investment options, Trent and Brandon will present alternative perspectives on retirement savings. Tune in for a conversation about assessing your individual situation and discover how adjusting your investment strategy and exploring other options could potentially benefit you!
Here’s what we’ll discuss in this episode:
- The importance of having an emergency fund before heavily investing in a 401(k)
- If your employer doesn't offer a match for 401(k) contributions, you might want to consider other investment options
- If you are drowning in debt, it might not be the best time to invest heavily in a 401(k)
- If you are dissatisfied with the investment choices within your 401(k), exploring other retirement account options might be worthwhile
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
Picture this: You're at your retirement party, finally ready to enjoy your golden years, but worries caused by some bad money habits have robbed you of fully enjoying the sweetness of the day. It happens to more people than you think, which is unfortunate because, with just a little bit of modification, you can rid some of the worst money habits from your life and set yourself up for retirement success.
In this episode, we’ll cover some of these bad money habits that could have a significant impact on your financial future. Join us as we talk about the negative consequences of investing emotionally, not saving for long-term care needs, avoiding professional advice, and more. Don't let bad money habits ruin your retirement party. Tune in to this episode and develop healthy financial habits that pave the way for a secure future!
Here are some highlights from this episode:
- Don't let FOMO (Fear of Missing Out) drive your investment decisions. Understand that markets have ups and downs, and proper risk management is essential.
- Be prepared for potential long-term care needs: Don't assume that nursing home care is something that will only affect others. Be aware of the costs and plan accordingly to avoid burdening your family.
- Avoid making investment decisions based on emotions or short-term market movements and instead focus on long-term strategies.
- Live within your means to avoid accumulating unnecessary debt. Budget effectively and be mindful of miscellaneous expenses, such as dining out, to maintain financial stability.
- Don't shy away from seeking professional advice to help with financial planning, risk management, and achieving your retirement goals. Early planning and expert guidance can be invaluable!
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
Celebrate the spirit of the month with our latest episode as we tackle the concept of financial independence. While the American colonists fought for freedom from British rule, we're here to discuss what you’re striving to be independent from in your retirement. We’ll unveil the common foes you’ll face on the journey. And good news, no muskets required for these battles!
Tune in as we explain the importance of being financially prepared so that you can make decisions based on choice rather than obligation in retirement. We’ll discuss having flexibility with long-term care and living decisions, entering retirement debt free, not relying on the stock market as you near retirement, and more. Tune in to gain some valuable insights on winning your financial independence!
Here’s what we'll discuss in this episode:
- Preparing for long-term care expenses so that you don’t have to rely on the government + maximizing your Social Security benefit. (0:55)
- Not having to move in with your children or rely on your children financially later in life. (4:11)
- Entering retirement debt free. (5:47)
- Working for enjoyment instead of necessity in your later years. (6:49)
- Independence from the stock market. (8:36)
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
Are you ready to take control of your finances during life's most pivotal moments? In this episode, we dive into the complex world of financial decision-making during key life events. From the excitement of marriage and the joy of welcoming a new child to the challenges of divorce and changing jobs, we'll provide practical tips and guidance to help you make informed decisions and maintain financial stability.
Join us as we discuss life’s most pivotal moments and the financial challenges that accompany them. We’ll talk about how to navigate these times effectively and will dive into the various expenses you should consider when formulating your planning strategy.
Here’s some of what you’ll learn in this episode:
- Combining finances in marriage, budgeting + prenups. (2:10)
- Navigating finances during remarriage and blending families. (4:52)
- Financial decisions during divorce. (7:01)
- How job changes might impact your finances: severance packages, job offers, and more. (8:35)
- Financial changes that occur after having or adopting a child. (12:52)
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
In the complex world of retirement planning, there are countless pitfalls one could fall into. In this episode, we've distilled it down to what we believe are the top 5 mistakes to watch out for. Avoiding these crucial missteps can have a significant impact on the success of your retirement plan. Join us as we delve into these key issues and learn how to navigate them effectively when it's your turn to plan for retirement.
We’ll talk about the detrimental impact of letting your emotions dictate your financial decisions, the risk of taking investment advice from non-professionals, and discuss why it’s so crucial to account for inflation in your plan. We’ll also shed light on the significance of healthcare and long-term care costs in retirement and share why open communication about finances between spouses and families is so important. To wrap up this episode, we’ll chat about the importance of saving early and consistently.
Don't miss this insightful conversation that offers valuable insights and tips for navigating retirement planning successfully!
Here’s some of what you’ll learn in this episode:
- Focusing on returns + letting emotions take over during market downturns. (1:39)
- Taking advice from family and friends on how to invest instead of a financial professional. (4:33)
- Not adjusting your retirement budget for inflation. (6:30)
- Ignoring healthcare and long-term care expenses in retirement. (8:38)
- Communication about money between spouses and families is key. (11:23)
- Procrastinating saving for retirement. (13:25)
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
Join us as we dive into the commentary surrounding the series of 2023 bank collapses that have shaken the financial world. Notable institutions such as Silicon Valley Bank, Credit Suisse, and First Republic Bank have experienced unprecedented turmoil this year. In the midst of these events, how should the average American respond with their hard-earned money? Should one withdraw all their cash from the bank? Is there cause for worry?
We'll address these questions and more in this episode. Stay tuned as we navigate the concerns surrounding the banks and the broader economic landscape and aim to provide clarity and insight into the current state of affairs in the global economy.
Here’s some of what we'll discuss in this episode:
- “Not all banks are having problems. It all depends on risk.” Brian and Trent reflect on the Silicon Valley Bank collapse. (2:21)
- Major banks look like they’re in pretty good shape. (3:24)
- The importance of having faith in the banking system. (6:12)
- Outflows from banks into fixed-income and money market mutual funds. (7:30)
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
Are you preparing for retirement but feeling confident that you have covered all the expenses? Well, think again... It turns out that many retirees overlook some crucial expenses that can leave them financially vulnerable. In this episode, we explore the retirement expenses that most people tend to forget, including skyrocketing medical bills, unexpected travel costs, taxes, and much more.
Retirement demands preparation beyond the expected. Instead of being caught off guard, create a plan that anticipates life’s surprises. Join us as we discuss practical tips and strategies to help you plan for life’s unexpected expenses and ensure a secure and comfortable retirement.
Here are some of the expenses we'll discuss in this episode:
- The unexpected cost of medical and dental expenses during retirement. (0:59)
- Budgeting for weddings, funerals, and unexpected travels. (2:36)
- Helping your kids get started after college. (5:04)
- Are you prepared for the tax hikes in the future? (6:58)
- Budgeting for maintenance and repair expenses. (9:09)
- Inflation is always there and should be planned for. (11:27)
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
Medicare can be a confusing topic, especially for those approaching retirement. As a complex government system with numerous moving parts, it's essential to understand the basics before making any decisions. In this podcast episode, we'll be breaking down the ins and outs of Medicare, so you can gain a comprehensive understanding of this healthcare program and make informed choices.
We’ll cover the four major parts of the Medicare system and the purpose and benefits of each. We’ll also talk about some common Medicare misconceptions and the different decisions you might have to make along the way. By the end of this episode, you'll have a solid grasp of Medicare's essentials and feel more confident about your healthcare options in retirement.
Here’s some of what you’ll learn in this episode:
- You can become eligible for Part A of Medicare after age 65. (1:08)
- What does Part B of Medicare cover? (2:45)
- Is Part C of Medicare a good option for you? (6:20)
- Some misconceptions that people have about Medicare. (8:42)
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
Are you confident that your financial plan is complete? Many people believe they have a solid plan in place, only to realize later that they've missed important areas. In this episode, we'll point out the most common areas people overlook when planning and provide actionable tips to ensure that your plan is as comprehensive as possible.
From not accounting for long-term care expenses to overlooking the impact of taxes on retirement income, there are many ways a financial plan can be incomplete. In retirement planning, it is important to leave no stone unturned and to consider all the potential scenarios that could impact your financial future. So whether you’re just starting out or have an existing plan in place, you won’t want to miss this episode!
Here’s some of what you’ll learn in this episode:
- The danger of a downturn in the market in the early years of your retirement. (1:10)
- The effects of inflation over time. (3:25)
- Tax rates will most likely go up, and it is important to plan for that. (5:49)
- The importance of preparing for a long-term care event. (9:30)
- Passing assets to your beneficiaries in the smoothest and most tax-efficient way. (11:15)
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
Retirement can come with a lot of tax questions and concerns. From understanding the tax implications of withdrawing from your retirement accounts to minimizing taxes on investment income, it can be overwhelming. On today’s episode, we’ll break down the top ten tax questions retirees are asking in 2023.
Before you file your 2022 taxes and plan ahead for the rest of the year, make sure to listen to this episode as we’ll discuss some important tax questions that retirees should ask themselves to ensure they're making the most of their retirement savings and minimizing their tax burden.
Here’s some of what you’ll learn in this episode:
- What are the tax implications of withdrawing money from my retirement accounts? (1:01)
- Does the taxation of my pension income differ from other forms of income? (4:14)
- Are there any special tax deductions or credits available for retirees? (6:57)
- How will my taxes change if I decide to move to another state in retirement? (8:30)
- Are there any tax benefits for making charitable contributions in retirement? (10:05)
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
Few things in our life stir up as much emotion as our finances do, and those feelings can be all over the board. The strongest emotion, however, is fear and it drives many of our decisions with money.
So what’s your biggest financial fear? We ask this consistently during our initial meetings with prospective clients and the answers are all over the board. In this episode, we’ll explore the most common fears and talk about how they should be addressed in a retirement plan.
Here’s some of what you’ll learn on this episode:
- How you address the fear of running out of money before you die. (0:55)
- The cost of nursing home care and how you can prevent blowing through your nest egg to pay for it. (3:36)
- What you can do to keep from paying more in taxes than you have to. (7:01)
- Some people prioritize leaving a legacy and their fear is not having anything left to leave for their kids. (8:34)
- How to find an advisor that will keep your best interests in mind. (11:08)
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
After being discussed in Congress for nearly a year and a half, the SECURE Act 2.0 passed in January. It builds on the original legislation that took effect at the beginning of 2020, but this latest bill still includes nearly 100 provisions.
We don’t have time to sort through all of those, but we do want to highlight a handful of the items that could create planning opportunities for you. Listen to today’s episode to see what you need to know and learn four ways the new changes might impact you.
Here’s some of what you’ll learn on this episode:
- The Required Minimum Distribution age pushed back again. (1:04)
- Special catch-up contribution increases and who benefits. (3:21)
- The opportunity to move money from a 529 plan to a Roth. (5:13)
- Individuals will be able to get their company 401(k) match if they make qualifying student loan payments. (8:33)
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
Too many folks misunderstand bonds, how they work, and what role they play in a proper financial plan. We’ll address some of those bond-related issues on today’s show.
In this episode, you will learn where bonds fall on risk levels, how bonds are related to interest rates, and more. We also address how bonds are responding to the current market.
Here’s some of what you’ll learn in this episode:
- How do bond funds differ from individual bonds? (4:00)
- We frequently see people invested in bonds, without realizing they are invested in bonds. (6:16)
- Are bonds a more conservative approach to investing? (9:33)
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
We try our best to cover common retirement planning topics, but sometimes it helps to hear directly from our audience. Today we will be answering mailbag questions from clients/listeners.
In this episode, you will learn about different portfolio risk levels, Roth IRAs, and more. If you have any questions you’d like us to answer, feel free to reach out to us.
Here’s some of what you’ll learn in this episode:
- What age should an aggressive investor start to become more conservative? (1:38)
- If you are thinking about retiring early, this is what you need to pay attention to. (6:33)
- What is a reasonable amount of pay for financial advice/management? (13:19)
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
On this episode, we’re going to share stories with you of times when emotions like fear, greed, and pride led someone astray in their financial decisions.
We’ll even cover the role positive emotions like hope and joy play in the retirement planning process.
If you want to better understand and control your emotions to experience a better financial future, then this is the show for you.
Here’s some of what you’ll learn in this episode:
- How greed has impacted investors over the last decade. (3:33)
- Fear is a common reaction in investors, but it tends to lead to poor decision making. (6:41)
- Are you too prideful to accept help that could actually benefit you? (8:46)
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
People have many reasons for procrastinating when it comes to putting a retirement plan together. Some people struggle with perfectionism. Others are avoidant due to stress.
No matter what your roadblock is, one day you will have to stop procrastinating. The sooner, the better. Let’s explore some of those excuses and why they can be dangerous and talk about how to overcome them.
Here’s some of what you’ll learn in this episode:
- If your parents didn’t plan for retirement, but they are okay, should you? (1:05)
- How to filter through all of the noise. (2:19)
- Are finances stressing you out? (4:09)
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
Being a good advisor isn’t about winning a popularity contest or just saying the same things that everyone else in the industry says, it’s about giving the best advice that you can for each individual situation.
On today’s show, we’re going to peel back the curtain to discuss some areas where a good financial advisor’s opinions might go against the grain with mainstream ideas in the industry.
Here’s some of what you’ll learn in this episode:
- What is the appropriate amount of risk for a retiree? (1:10)
- How should you best utilize life insurance? (3:24)
- Learning to handle debt and freeing up your cash flow. (6:05)
- Should you pay off your house early? (7:43)
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
There are many things that we know we’ll have to deal with in retirement, we just don’t know how to predict when or to what degree. How do you construct a plan that deals with the unpredictability of these different factors?
In this episode, we will try to prepare you for some changes you may encounter in your financial plan over the years.
Here’s some of what you’ll learn in this episode:
- Navigating interest rate and inflation changes. (2:24)
- How to prepare for future tax rates during historical lows. (4:47)
- Year-to-year stock market returns fluctuate, but over time the market usually turns upwards. (5:47)
- Planning for Social Security and changes that may come up. (6:32)
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
You’ve most likely heard plenty of “rules” you’re supposed to follow to retire successfully. Some of these rules are stated so confidently, you’d be crazy not to immediately accept them as fact.
But we don’t mind the threat of being called crazy, so let’s dive into some of the most popular retirement “rules of thumb” to see if they truly lead us down the path of good financial guidance or run a chance of leading us astray.
Here’s some of what you’ll learn on this episode:
- Is the Rule of 100 an effective way to determine how much risk you need? (0:58)
- Whether or not you need 75% of your working income in retirement. (2:26)
- How often bear markets happen on average and how that impacts investing. (5:46)
- Do you really need 10 times your salary saved by the age of 67? (8:13)
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
Let’s see if your tolerance for risk matches your financial plan. What should you do if that balance is out of whack? What if you’re a natural risk taker, but you really shouldn’t be when it comes to your finances? We’ll explore all of these angles as we break down the role of risk in your financial and retirement plan.
Here’s some of what you’ll learn on this episode:
- We battle fear and emotion when our portfolio doesn’t align with our risk tolerance. (3:23)
- How to tell how much risk you have in your portfolio. (6:09)
- The ways to reduce risk without significantly reducing opportunity for growth. (10:35)
- How we determine how much risk is appropriate for your situation. (11:58)
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
We are opening up the mailbag on today’s show to answer some questions from our clients and our listeners. We’ll explore inheritances, meeting new advisors, and much more.
- Wendy just inherited a farm along with her six siblings. Four want to sell and three of them want to keep it. Should they buy out the four or argue until they're on the same page? (0:56)
- Roy is interviewing multiple advisors to work with. What should he pay attention to when meeting an advisor? (2:49)
- Marty has been out of the market for several years. He’s afraid to jump back in now in case the market crashes more. He also doesn’t want to miss out on more growth. What should he do? (5:04)
- Charlotte is retiring in the latter half of the year. She’ll have about 16 weeks of unused PTO. Should she take it all at once or spread it out over a few months? (8:37)
- Buddy says he’s ready to retire but he’s not old enough for Medicare yet. Should he stick out working until then or should he find an alternative to Medicare? (10:22)
- Ruth is wondering if she should give her money to her children now or whether she should wait? (12:00)
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
There are a lot of financial debates and questions out there. Should you always pay off the house as soon as you can or take the mortgage payment into retirement? Some of us assume you don’t need life insurance once you’re in retirement, but is this true?
To every question, there’s an emotional and logical reaction and we’ll explore each side of these debates with Trent and Brandon today. Which side of the aisle do they agree with?
Key Points:
0:27 – Should you pay the house off as soon as you can?
3:45 – Do you need life insurance once you’re in retirement?
5:52 – Annuities: are they good, bad, or neither?
7:58 – Will we be in a lower tax bracket in retirement?
10:00 – Credit cards: are they good, bad, or neither?
14:39 – Is it better to buy mutual funds or individual stocks?
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
In some ways, retirement planning is easier than it used to be and in other ways, it’s a lot more complicated. The one thing we can all agree on though is that retirement ain’t what it used to be. Pensions are very rare now, with most people relying on Social Security as their main retirement income bucket. People are living longer and longer, meaning our plans have to be prepared for longevity and long-term care issues.
On today’s episode, we’ll break down the various ways retirement planning is different than it was in our grandparent’s generation and how financial advisors are preparing pre-retirees and retirees for these unique challenges.
Key Points:
0:27 – Pensions are rare
2:55 – Longer life expectancy
4:29 – Interest rates are lower
6:52 – Information paralysis
9:30 – Market volatility
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
What red flags do you need to be aware of when it comes to working with an advisor? There are a lot of professionals out there, with different names and designations. So, it’s important to work with a qualified and experienced professional you are comfortable with.
On today’s episode, we’ll break down some common red flags we’ve seen throughout the industry. From predicting the stock market to using too much financial jargon, which flags have you seen? After today’s episode, you’ll have the tools to spot an advisor that does the bare minimum versus a reliable advisor that helps elevate your retirement plan.
Key Points:
0:30 – Investor beware!
1:00 – Only good news
2:53 – Technical jargon
5:40 – Predicting the market
7:11 – Too much talking
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
When saving for retirement there are various tools and vehicles you can invest your money in. Some come with a tax bill now while others will come later. With tax-deferred accounts like a 401(k) or IRA, you pay your taxes later and save now.
In contrast, with a Roth IRA, you don’t have to worry about tax brackets going up because you can withdraw in retirement tax-free. While there is equity exposure for these accounts you can still leverage how you diversify your savings to have a tax-efficient plan. On today’s episode, we’ll explore the various retirement accounts and the tax pros and cons with each.
Key Points:
0:27 – Tax-deferred accounts
4:41 – Roth IRA accounts
8:46 – Taxable accounts
11:16 – CDs or safe money
12:55 – Life insurance
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
Most people realize that a customized retirement plan is much better than a one size fits all approach and yet, most of us don’t have a truly customized plan. The age you retire is unique to your situation. Maybe you have to wait for Medicare to kick in or perhaps you really enjoy your job and want to work part-time. Once you are actually in retirement what do you want it to look like? If you want to travel or relocate, you’ll need more income than someone planning to stay home. On today’s episode, we’ll discuss why customization is king and the important parts of your retirement plan that truly need to be customized to your life.
Key Points:
0:27 – Retirement age
3:00 – Lifestyle and income needs
5:54 – Your risk tolerance
9:06 – Family longevity and health history
10:48 – Desire for a financial legacy
13:15 – Emotions related to your money
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
Some people think they’ll save money doing their financial plan on their own. Others like the challenge or maybe you just don’t know who to trust. So, on today’s episode, we’ll explore some reasons you may really need a financial advisor and the benefit of working with a professional.
Are you a procrastinator? When it comes to finances, we sometimes tend to put it off, but having an advisor can keep you motivated and on track. Maybe you don’t know where to start. While education on finances is getting better, working with your advisor can help you feel confident in your decision-making process. Join us today as we explore the importance of working with an advisor.
Key Points:
0:28 – Are you a procrastinator?
2:55 – No idea where to start
8:09 – You don’t have the time
9:18 – Conflicting opinions out there
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
Smoke alarms, airbags, and fire extinguishers are all things that don’t really matter until they absolutely do. On rare occasions that you need these items, you’ll be really glad that you have them. On today’s episode, we’re going to explore 4 areas in financial planning that may seem like they don’t matter until they do.
We see a lot of people ignore legal documents but it’s essential to have them ready to save yourself or your family time and money. Other areas people tend to put off include long-term care, life insurance, and lifetime income streams. We’ll discuss each of these and how they fit into your overall financial plan.
Key Points:
0:35 – Legal documents
7:38 – Long term care
12:10 – Life insurance
14:49 – Lifetime income streams
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
Everyone has questions when it comes to financial planning. So today, we are going to sit down and discuss some common questions we get from our listeners and clients. How much do you need to retire? Well, it’s going to depend on your retirement goals. Will you travel, remodel the house, or cut down on big purchases?
When it comes to your emergency fund, how much is enough? You want to have 3 to 6 months of liquid living expenses. Where does the money in your 401(k) go after you retire? You have options here, so discuss what’s best for you with your advisor. Join us today as we explore these questions and more.
Key Points:
0:54 – “How much do I need to retire?”
2:33 – “Am I okay with the savings I have or do I need more?”
4:40 – “How much should I have in my emergency fund?”
7:47 – “What happens to the money in my 401(k) after I retire?”
9:34 – “I’m getting a divorce; how do I start my financial plan?”
12:29 – “I want to help my daughter start saving; where should I start?”
14:23 – “I don’t think I’ll live long; should I take Social Security as soon as possible?”
16:13 – “Should we downsize or keep the house?”
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
There are certain things in life we just can’t predict. If we knew the answers to some of these questions, planning for retirement would sure be a lot easier. You are probably concerned about things that you can’t control: the stock market, taxes, healthcare, etc. However, it’s important to prepare your plan for these unknowns. The next market crash is going to happen, we just don’t know when. So it’s necessary to manage risk in correlation to your situation in life. On today’s episode, we’ll discuss four areas of your financial plan you can’t predict, but you can certainly plan for. So let’s see how you go about constructing a plan that addresses the kinds of questions to which you can’t possibly know the answers.
Key Points:
0:48 – When will be the next market crash?
6:00 – Where will healthcare costs be?
8:05 – What will your tax rates be?
10:44 – How long are you going to live?
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
You’ve probably heard about the big changes we’ve seen in the job market recently and what’s being called “The Great Resignation.” If you are thinking about changing careers, taking a break from work, or retiring early what do you need to know before you do so?
If you do take a break from work, it can impact your Social Security payments later on. Social Security calculates the average of your 35 years of highest-earning. A big pause in your work history can really mess up your payments. Some people think they can use their 401(k) as a rainy-day fund, but this is probably not the best decision when it comes to your retirement future. On today’s episode, we will be discussing how being part of “The Great Resignation” may affect your Social Security, 401(k), and more.
Key Points:
1:07 – The Key Points
5:05 – Impacts on Social Security
7:51 – 401(k) rainy day fund
10:06 – Take your 401(k) with you
11:27 – Retiring early
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
There are a lot of economic predictions for 2022 floating around. What do Trent and Brandon think of these predictions? Are they likely to come to fruition? Some predictions see GDP growth while others see the housing market cool down.
While we certainly saw the impacts of supply chain issues through inflation in 2021, what does 2022 hold? The Great Resignation is still going strong and could impact the overall health of the economy. Join us today as we discuss these predictions and more.
Key Points:
1:12 – GDP predictions
3:54 – The housing market
7:14 – Inflation and supply chains
9:45 – “The Great Resignation”
10:51 – What does the future hold?
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
Ironically, life insurance is a young man’s game. A lot of people assume the older they get, the less they need it but that might not be the case. There can be benefits for your family and your tax planning strategy that you may be unaware of. While age is really important when applying for insurance your needs are always changing. You can use it for cash alternatives or long-term care needs as well. The utility of life insurance is not always as a death benefit. On today’s podcast, we’ll discuss life insurance and what you need to know about this financial tool.
Key Points:
0:43 – A young man’s game
2:22 – What is the utilization?
4:56 – Leaving money to the kids
5:52 – Long term care
7:13 – Alternative uses
8:57 – Index universal life
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
As 2021 draws to an end, let's consider some money resolutions we can take on in the new year. On today's episode, we will go over 22 money resolutions you can make in 2022. Some are quick and easy, like checking your credit. While others will be great to do with your advisor. We will discuss reducing your debt, budgeting, consolidating accounts, auditing your insurance, and more!
Key Points:
0:43 – Reducing your debt
1:09 – Boost retirement savings
1:46 – Prepare for the unexpected
2:14 – Don’t overreact to headlines
2:52 – Look at a budget or spending plan
3:05 – Meet with an advisor
3:26 – Check your beneficiaries
3:46 – Have tough conversations
4:16 – Audit your insurance
4:39 – Think about refinancing
5:04 – Organize your finances
5:37 – Check your credit
6:08 – Evaluate your fees
6:37 – Share your knowledge
7:15 – Look for donation opportunities
8:02 – Review your tax bracket
8:26 – Roth conversions
9:03 – Update paycheck withholdings
9:28 – Rebalance your portfolio
9:56 – Plan out your retirement
10:31 – Consolidate your accounts
11:08 – Listen to more podcasts!
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
We all put things off from time to time. When it comes to our finances what should we be addressing sooner rather than later? On today's show, we will be discussing 5 financial topics and whether it is wise to push them off or not.
Are you thinking of deferring taxes on your retirement accounts? Well, this depends a lot on your current tax bracket and marital status. Generally, you want to eliminate consumer debt as soon as you can, but when it comes to debts on your house or car the answer may be different. Do you have estate and legal documents? Are they up to date? This is something you don't want to delay on! We will also be discussing the benefits of delaying social security and the overall importance of having a financial plan.
Key Points:
0:50 – Deferring taxes
3:53 – Eliminating debt
6:11 – Setting up estate and legal documents
9:10 – Delaying Social Security
11:13 – Getting a Financial Plan
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
You’ll want to keep an eye out for red flags in your financial plan to address them as soon as possible. But sometimes we don’t necessarily know what kind of warning signs we are looking for. Maybe you are wondering if you meet with your advisor enough. Perhaps you are worried about your account movement. Either way, we want to be vigilant about these types of financial worries. On today’s episode, we discuss 5 financial red flags you should be aware of.
Key Points:
0:52 – Can you name all the investments in your portfolio?
4:32 – How often do you meet with your advisor?
6:38 – Are your account balances always moving up and down?
7:51 – Do you know how much you need for retirement?
9:24 – Can you describe your retirement plan?
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
With the holidays right around the corner, now is the perfect time to start financially planning for this expensive time of year. The holidays are about being with family, it is okay to set limits on your gift-giving and spending. You'll want to make sure that your plan accounts for things like travel, food, and even healthcare. So today, we are discussing what you can do now to financially prepare.
Key Points:
0:26 – Holiday planning
3:00 – Budgeting around family
3:53 – Setting limits
4:54 – Personalized gifts
5:13 – Planning on traveling
6:29 – Expensive gifts
7:52 – Preparing for healthcare
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
Brandon and Trent are getting personal today with some stories from their careers as financial advisors. It all goes back to their first clients, who taught them the importance of creating a comfortable retirement plan depending on one's situation. In the years since they have found themselves being both educators and last-minute financial saviors. As you’ll hear on this episode, they have learned a lot through their experiences and look forward to sharing some of those today.
Key Points:
0:55 – Brandon’s first clients
2:36 – Trent’s first clients
4:33 – No profit, goodwill planning
5:58 – Planning starts with the parents
9:23 – Saving a client just in time
12:09 – Required minimum distributions
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
Preparing for retirement means running through a checklist of items and making sure you’re ready for everything life throws at you, but many people often make assumptions that just aren’t always true. Let’s talk about four of the most common retirement assumptions we see and why you can’t build a plan based on these beliefs.
Key Points:
0:29 – I’ll spend less in retirement
2:39 – Taxes will be lower in retirement
4:37 – Paying for children/grandchildren education
8:10 – I’ll never be able to retire
Contact:
Website: http://bradshawfp.com
Email: office@bradshawfp.com
Call: 704-216-2260
Our job as financial advisors is to help clients reach their retirement goals through proper planning and careful execution, but not everything in the financial world operates as we’d like. It’s time to highlight the areas in planning that can be really frustrating, even for us.
Key Points:
0:47 – Hidden Fees
2:05 – Advisors that put their own goals ahed of their clients
5:12 – Cookie-cutter strategies
6:30 – Pushing specific products
9:29 – Making financial plans too complicated
Contact:
Email: office@bradshawfp.com
Call: 704-216-2260
The pension has long been the key source of income for American retirement plans, but that’s changed over the past decade or two. As the pension disappears, it’s impacting the way people have to save and invest to ensure their retirement goals are met. On this episode, we’ll discuss the adjustments that pre-retirees are having to make.
Key Points:
0:42 – Biggest issues with pension plans
3:24 – Lump sum vs annuity payment
6:30 – Puts responsibility back in employee’s hands
7:50 – Building your own pension
9:12 – Combatting inflation
Contact:
Email: office@bradshawfp.com
Call: 704-216-2260
The first months under the latest administration in Washington D.C. has already seen a number of changes and proposals laid out that will impact financial planning. Let’s take a look at five of most issues that are being addressed and determine what this might mean for our clients.
Key Points:
0:43 – Coronavirus stimulus and continued response
5:05 – Infrastructure package
6:04 – Proposed capital gains tax
9:48 – International relationships
11:51 – Climate plan
Contact:
Email: office@bradshawfp.com
Call: 704-216-2260
Everyone wants to know when the next market crash is going to happen, but there’s no one with that answer. The better question is what can you do to be prepared for that next crash? Let’s take a look back at the worst crashes in market history and what lessons they taught us about planning.
Key Points:
1:36 - Black Tuesday
4:00 - The Dot Com Crash
5:26 - 9/11 Crash
6:22 - 2008 Financial Crisis
10:39 - Coronavirus Pandemic
13:36 - What Will Cause The Next Crisis?
Contact:
Email: office@bradshawfp.com
Call: 704-216-2260
Have you thought about what life is going to be like for you in retirement? Is there a particular lifestyle you’re seeking? Not all retirement planning is about the finances. Let’s look at some of the lifestyles that are popular among retirees and discuss some of the financial things to consider if you’re going to try to live out one of these particular living situations.
Key Points:
0:54 - Two House Solution
2:54 - The RV Life
5:08 - Staying At Home
6:03 - College Town
7:22 - No Income Tax State
9:01 - Golf Courses
9:57 - Follow A Passion
Contact:
Email: office@bradshawfp.com
Call: 704-216-2260
Let’s look at some of the richest people in the music industry and see what lessons we can learn from them that we can apply to our own retirement planning.
Key Points:
1:18 - Andrew Lloyd Webber
3:13 - Bono
4:45 - Sean Combs
6:46 - Dolly Parton
Contact:
Email: office@bradshawfp.com
Call: 704-216-2260
Dr. Natalie Atwell joins us on today's show. Dr. Atwell is a Licensed Clinical Mental Health Counselor Supervisor in the state of North Carolina and a Board Certified Professional Christian Counselor. She currently runs her own practice and also teaches counseling classes at Liberty University. We talk to Dr. Atwell about how finances can impact both physical and mental health and how to reach out for help.
Key Points:
0:37 - Background on Natalie’s Practice
1:24 - How COVID Has Affected People’s Mental Health
4:06 - Retail Therapy
6:38 - Don’t Be Afraid To Ask For Help
8:22 - Control What You’re Able To Control
11:11 - How Finances Can Affect Your Physical Health
13:28 - Getting Help
14:58 - Make Small, Positive Changes Everyday
16:53 - Make Time To Take Care Of Your Financial Health
18:17 - Both Spouses Need To Be Involved With The Finances
19:43 - Natalie’s Podcast: Miss Congeniality And The Third Runner Up
Contact:
Email: office@bradshawfp.com
Call: 704-216-2260
In this episode, we are joined by Dianna Greene, the owner of Towne and Country Century 21 in Salisbury, North Carolina. Dianna discusses how the current real estate market stands and compares it to her four decades of experience. She also gives insight into how the real estate world is changing and common trends she is seeing in the market.
Key Points:
2:06 - What Is The Status Of The Real Estate Market Right Now
6:06 - Dianna Compares This Real Estate Market To What She’s Seen In Her Four Decades Of Experience
10:20 - The Going Rate For Commercial Real Estate Property Right Now
12:33 - What Kind Of Return To Look For In Commercial Real Estate
13:21 - The Changes Occurring In Downtown Salisbury
16:40 - Common Issues With Financing In This Current Market
24:09 - How Technology Has Effected Real Estate
28:10 - Resources Available For Simplifying Real Estate
Contact:
Email: office@bradshawfp.com
Call: 704-216-2260
We invite airline pilot Ron Corriher to the podcast today. Ron has experienced first-hand on how the pandemic has changed the airline industry. We discuss the rules and regulations that have been put in place for safe travel, capacity of flights, and much more.
Key Points:
0:31 - About Our Guest Ron Corriher
1:44 - Current Capacity?
2:27 - New Requirements
4:08 - Air Quality On A Plane
5:53 - UV Lights
7:30 - Is There A Minimum Amount Of Passengers?
8:15 - Rules & Regulations In Other Countries
11:16 - Any Issues With People Not Following Guidelines?
12:06 - Air Marshals
15:04 - Impact On Airline Jobs
Contact:
Email: office@bradshawfp.com
Call: 704-216-2260
The “normal” investment world already seems crowded with endless possibilities of companies and ways to invest. Yet there’s a segment of the market classified as alternative investments that many people find intriguing. Could there ever be a place for alternative investments in your portfolio? What are some of the alternative investments you should know about? We’ll seek to answer those questions and more on this episode.
Key Points:
-
Brief Overview Of Alternative Investments
-
What’s A Common Alternative Investment?
-
Ways To Buy Gold & Silver?
-
Cryptocurrency
-
Special Purpose Acquisition Companies
Contact:
Email: office@bradshawfp.com
Call: 704-216-2260
You probably heard all about GameStop stock and buzzwords like short squeeze, Reddit’s Wall Street Bets, and hedge funds the last week of January. But what really happened that had all of the financial media world stirred up and Alexandria Ocasio-Cortez and Donald Trump Jr. actually agreeing about something? We’ll seek to explain what happened and cover some lessons learned from the events.
Key Points:
1:01 - What Is GameStop?
2:34 - Short Selling The Stock
6:41 - Limiting The Amount Of Stocks That Could Be Bought
9:58 - Diversification Is Key
Contact:
Email: office@bradshawfp.com
Call: 704-216-2260
For most people, legacy planning is an uncomfortable conversation to have with their loved ones, but it is vital to get all the details squared away while you are still in good health. On today's show we discuss some common legacy and estate planning mistakes and how you may be able to avoid those with a proper plan in place.
Key Points:
0:29 - Common Mistakes
3:30 - Beneficiary Designations
7:39 - Important Documents You May Need
9:06 - Healthcare Power Of Attorney
9:47 - Name Contingent Beneficiaries
11:27 - Does Everyone Need A Trust?
15:10 - Legislative Risks
Contact:
Email: office@bradshawfp.com
Call: 704-216-2260
It seems that most people don’t have a clear picture of whether they should contribute to a traditional IRA or a Roth. Let’s discuss how to determine what’s best for you.
Key Points:
0:31 - What Is A Traditional IRA?
4:10 - Required Minimum Distributions
5:09 - What Is A Roth IRA?
8:12 - Power Of Compounding Interest
8:57 - Requirements To Be Able To Contribute To A Roth
10:06 - Accessibility Of Money
10:48 - Backdoor Roth
11:18 - Practical Examples
Contact:
Email: office@bradshawfp.com
Call: 704-216-2260
On the first episode of the show, Trent and Brad share some of their goals for the podcast and explore the ins and outs of the different types of annuities available to investors. They'll give some real world examples of how annuities get used in client portfolios and also discuss why these products are sometimes controversial.
Key Points:
0:38 - Some of the goals of the podcast.
1:34 - How Trent plans to spice the show up a little bit.
2:06 - Previewing the conversation about annuities.
3:16 - A review of immediate annuities.
7:22 - Brandon introduces us to the fixed annuity.
8:51 - Why it's important to understand the complexities of a variable annuity.
11:13 - The final annuity to explore is an indexed annuity or commonly called a fixed-indexed annuity.
12:13 - Trent gives an example of how an indexed annuity would work in the real world.
14:00 - Why you have to be careful about giving up control for some of the nice benefits of annuities.
14:43 - Trent and Brad give additional examples of where annuities have made sense to include in client portfolios.
Contact:
Email: office@bradshawfp.com
Call: 704-216-2260