KPC Smart Money: Recent Episodes

Kevin and Karin Christ

Each week, Karin and Kevin Christ will look at important issues about financial planning. They will use their experience as independent financial advisors to help leave you smarter and more informed about retirement.

In this episode of the KPC Smart Money Podcast, Rachel Walker and Liz Hanson pull back the curtain on KPC Financial Solutions' client support team, explaining everything that happens after a client's advisor meeting ends. They cover application processing, account tracking, insurance company follow-ups, and the personal relationships they build with clients along the way.

· The client support team manages the entire back-office process after an advisor meeting — collecting sensitive info (Social Security numbers, birthdates, beneficiaries), submitting paperwork, and tracking it through insurance companies and banks, sometimes requiring calls lasting several hours (Rachel once spent four and a half hours on a call with the IRS). · Keeping account and bank information current is critical, since outdated details slow down how quickly clients can access their money when they need it urgently. · Beyond paperwork, the team emphasizes relationships and faith: they describe clients as family, pray for them (and welcome prayer requests), and value personal check-ins as much as the transactional work. · KPC's motto, "Knowledge, Planning, Confidence," reflects services extending beyond investments into Medicare guidance, tax considerations, and general client support.

What habits can you develop in your 30s and 40s that can determine your eventual success in retirement? The best time to implement these habits is now. Your future retired self with thank you. Automate, keep learning, seek wisdom, be content.

Key Takeaways:
1. Pay Your Future Self Now 2. Don't Let Success Become More Expensive 3. Invest in Your Character as Much as Your Portfolio

Whitepaper: Will You Have Enough Income in Retirement? (Dually licensed version) 4 pages http://downloads.financial-resources.org/books/xtbx/#p=1

Building financial wealth is important, giving you options, stability, and confidence. There is another wealth that makes you personally rich that requires little or no money. It is in blessing others through giving back. Today I am going to talk about some examples like paying for elderly people's groceries, the Starbucks Pay-it-forward, helping out neighbors, or even simply hugging someone who is lonely. This kind of giving makes you rich.

Key Takeaways: 1) True connection in a social media driven world 2) Greater to give than receive 3) Leave a legacy of kindness 4) Be intentional and make it a life long habit.

Giveaway: 6 Keys to a Happy Retirement -https://downloads.financial-resources.org/books/cdwo/#p=1

In this introductory episode of the KPC Smart Money Podcast, Bryan Christ, Jay Angotti, and Stone Bethea explain how their advisory team works together behind the scenes to support clients. They break down the roles of service advisors, senior advisors, and operations, emphasizing coordination, proactive planning, and clear communication as the foundation of strong financial decisions. The episode sets the tone for future conversations focused on practical financial strategies, education, and long-term planning rather than short-term market hype.

3-4 Takeaways: Team-based planning matters: Clients benefit from a coordinated structure where service advisors manage communication and follow-through while senior advisors focus on strategy and investment decisions. * Financial planning is ongoing: Taxes, markets, laws, and personal situations constantly change, so proactive updates and regular reviews are essential. * Behind-the-scenes work is critical:* Much of the value comes from coordination, beneficiary updates, renewals, and monitoring details that keep plans on track.

Whitepaper: Your Retirement Income Planning Checklist (Dually licensed version) 24 pages http://downloads.financial-resources.org/books/qmmm/

Have you seen the ads lately about how to boost your memory? These ads promise all kinds of things. I decided to do some research on my own to find out what actual studies show regarding memory training and what actually works. And what will really protect our memory and brain as we age.

Key Takeaways: 1) Memory training can improve specific skills 2) What really protects your brain? 3) Simple daily memory routines - 15 minutes 4) Why does this work

Whitepaper: Your Retirement Income Planning Checklist (Dually licensed version) 24 pages http://downloads.financial-resources.org/books/qmmm/

The US population is living longer, and reaching age 100 or older is not rare anymore. With people living longer, the real goal is to live those years in good health. Now is the time to give your future self the chance to live those years to the fullest.

Key Takeaways: 1) What does a good long life look like to you? 2) How to you prepare for that now? 3) Small daily choices that compound, just like money 4) Retirement is not and end, it's a new season of life

Whitepaper: 6 Keys to a Happy Retirement -https://downloads.financial-resources.org/books/cdwo/#p=1

Gold and Silver prices are soaring. So, what is causing this and will it last? Have you wondered about adding or increasing Gold and Silver in your portfolio? On today's show we will talk about this, and what the short term sentiment is on Gold & Silver.

Key Takeaways:
1) Price gains on Gold & Silver during 2025
2) What is driving the price up?
3) Will it last?
4) How much price volatility is ahead
Whitepaper: Investing Basics - Use AE Creative "Understanding Market Corrections (Dually licensed version) 8 pages http://downloads.financial-resources.org/books/wjxu/#p=1

Have you heard the saying it is better to give then receive? From a Christian perspective it isn't just a nice saying, it has promises attached to it. What does the Bible say about giving and what are some ways other than money that you can give?

Key Takeaways:
1) In the ancient days, tithing was a way to provide for widows, orphans, and the community
2) Is a 10% tithe too hard?
3) What are some blessings and promises that come with giving
4) Important to be a cheerful giver

Between the ages of 30 and 40, you are setting the financial foundation for your entire life. We often see potential clients that wished they knew about this mistakes when they were younger. So listen in to avoid this mistakes that can impact you for the rest of your lives.

Key Takeaways:
1) Lifestyle Creep
2) Delaying Retirement Contributions
3) Ignoring the "What ifs"
4) Not Having a Cash Cushion
5) Going it Alone

Today we will look at how you can raise financially savvy kids, and not spoil them. It is easy to want to buy our kids and grandkids whatever they want if we have the financial means to do that. However, what could happen when they grow up? Best to instill good financial principles now like the value of money, the difference between needs and wants, and delaying gratification.

Key Takeaways:
1) Ideas for ages 5-10
2) Ideas for ages 11-14
3) Ideas for ages 15-18
4) How not to spoil kids

When seeking help on your stock market investments, do you find it confusing regarding services provided and advisor licensing? There are many people that call themselves Investment Advisors, but are they really? Today we discuss the differences between a stockbroker and an Investment Advisor.

Key Takeaways:1. What are the regulatory entities each is responsible to? 2. What standards are they held to based on their licensing? 3. How are each typically paid 4. What services do each provide

Our book is now on Amazon! "Create Your Best Retirement" Today we share why we wrote it, our hopes for the book, and a little behind the scenes on writing it. We kept seeing clients struggling with the same financial blind spots and we knew we had to create something simple, actionable and trustworthy. The book supports vision of H.O.P.E. (Helping Other People Everyday).

Key Takeaways:1. Answers to frequently asked questions 2. Retirement planning tools many people don't know about 3. What the writing process was like

Many people feel inadequate or even fearful about investing. We find it is just a lack of understanding on how it works, or a fear of losing money. You need investments in order for your money to outpace inflation and to make your money work for you. Today we will go over the basics. If you want help with investing, you can always reach out to us at KPCFinancialSolutions.com.

Key Takeaways:1. Investing means your money can make you more money 2. Common Types of Investments 3. Risk & Diversification 4. How to get started

We encounter people frequently that say their parents weren't good at money and so they never learned how to manage their finances. If this is you, or you wnat to make sure you know the basics of financial planning, this podcast is for you. It is never too late to learn and take control of this important aspect of all of our lives. Next week will we go over investment basics.

Key Takeaways:1. Never too late 2. Budgeting 3. Saving 4. Debt

Wealth isn't just about making money, it is about how you manage it. We will share 5 habits of successful people that can put you on the path to financial freedom. These habits are repeatable, and very powerful when done consistently.

Key Takeaways:* Pay yourself first * Live below your means * Invest consistently * Build multiple income streams * Keep learning and networking

I'm sure you've seen the TV ads to buy gold and silver. Is this a good idea? Many people own physical gold and silver, and some have stock market investments in precious metals. But why buy gold or silver? Today we talk about 8 reasons gold has been owned today and in the past.

Key Takeaways:* Gold has intrinsic value and has been used as money for thousands of years * Gold can be a safe haven during turbulent times * Diversification of investments - generally not to exceed 10-15% of total wealth * We like pre-1933 coins

What could happen if you don't keep your beneficiaries up to date on all of your assets? Today we are talking about why it is important to always verify your beneificiaries when there is a life change, and periodically to have confidence when you are gone that your money goes to those you intended.

Key takeaways:
1. Regularly review and update your beneficiaries on ALL assets: bank, investment & retirement accounts, insurance products 2. Do you know the differences in how beneficiaries are paid out depending on the type of investment? 3. Life events: marriage, divorce, new children and grandchildren 4. Some real life stories of what can go wrong

Is Digital Currency here to stay? And if so, what is it and what are the benefits and drawbacks? The two primary supporters of digital currency are banks and the government. This week learn some of the basics on digital currency.

Key Takeaways:1. What is digital currency 2. How is it different if offered by financial institutions vs governments 3. Is digital currency here to stay 4. How will it effect you?

We will talk about some of the tremendous changes we have seen in just one week of the new Presidential Administration. What is being implemented that can reduce the troublesome federal debt and bring American back to a solid future.

Key Takeaways:1. Increasing revenue with energy and tariffs 2. DOGE - can it bring down unnecessary government spending 3. Government regulations setting businesses free to flourish 4. Impact on taxes and inflation

How can you create tax free income and legacy for retirement? One of the most powerful tools is unfortunately not talked about enough. It is called Fixed Indexed Universal Life, and it has multiple benefits both while you are living and when you are gone.

Key Takeaways:* Build tax free cash value * Surviving spouse tax free income replacement * Long Term Care benefits * Tax Free death benefit for your heirs * Not included in assets for college planning and the FAFSA

We all have a risk tolerance - how much risk td you want to take for the commensurate reward? In stock market investing, risk is defined by 5 categories. Today we explain each category and debunk some of the myths that it is based only on age.

Key Takeaways:* Conservative * Moderately Conservative * Moderate * Moderately Aggressive * Aggressive

January is historically the time to make resolutions to improve our lives. Unfortunately, about 90% of people will not be able to keep their resolutions. Today we will talk about making small steps that can become permanent habits.

Key Takeaways:* Increasing physical fitness without a gym membership * Simple weight loss techniques * Written goals for faith, family, work and health

There are a lot of financial things college students are not necessarily prepared for when they head to college. If you are a student or have a loved one that is starting college, share these tips and help them avoid some of the financial surprises that college can bring.

Key takeaways:

Know about student aid, borrowing and college savings plans
Take advantage of student discounts, scholarships, and other available money
When and how to repay student loans
Prepare for emergencies

Have you heard about Passive and Active Investing and wondered what that means? Today we will explain what these are and the pros and cons of each investment philosophy.

Key takeaways:

Is modern portfolio theory relevant today
Poor Performance of Bonds
Active Investing algorithms better on downside than upside
Diversification in and out of the stock market

Ed Slott is a CPA and one of my favorite experts on all things tax related. If you have deferred accounts like 401k, 403b, 457, or IRAs you have a ticking tax bomb. Looking over your entire retirement and where government spending is, our expectation is that there will be some high taxes coming again in the future. Your IRA is an IOU to the IRS!

Key takeaways:

401k distribution/rollover biggest check you may ever get
What should you do with it?
Diffuse this ticking tax bomb
Worst asses to leave your beneficiaries

Teaching your kids about money depends on you, the Parents. We want to share some of the money lessons we learned from our Fathers in honor of Father's Day and share some practical lessons you can teach your children or grandchildren. You have the opportunity to set you children up for a successful financial life with these lessons.

Key takeaways:

Children will value what they earn more than what is given to them
Teach Your Kids how to Lose Money
The power of compounding when you start early
The spending acid test - 3 questions
Teach Your Kids to Give to Others

Are you looking for fun things to do with your children or grandchildren that are budget friendly? This week we share no and low cost indoor activities, outdoor activities and educational and community activities.

Key takeaways:

Use resources like Pinterest to help you with ideas
Look at options near where you live
Join groups that can help with planning fun outings
Fun doesn't have to cost a lot of money

Teaching children to make and save money can start as young as kindergarten and should be a skill that is learned long before they leave the nest. Today Kevin and I will talk about some fun ideas for children to make some money over the summer. And what important skills they will learn.

Key takeaways:

K - 3rd grade - Lemonade Stands & Chores
4th-7th grade - Babysitting, Mother's Helper or Pet Sitting
9th - 10th grade - Tutoring, gardening, house maintenance
11th - 12th grade - Retail jobs, freelance work

Financial rainy days will come, are you prepared? Today we talk about how and why you want to have a rainy day, or emergency fund. We believe everyone should have one.

Key takeaways:

Unexpected expenses like repairs, medical and other bills
Avoid debt, use savings
Job or Income disruption
Financial security & freedom

Being a Mom is the most important "job" in life. It is the most fulfilling, and sometimes heart wrenching, thing you will ever do. Moms makes tough decisions and choice all the time. Today we want to celebrate all Mother's and thank you with all our heart.

Key takeaways:

Moms have many varied roles and responsibilities
Stay at home and working Moms
Mom's are learning as they go and yet teaching their children at the same time
Use all the resources available to you - Mom groups, books, your own Mom

You are getting married and your life is going to change in many ways. An often-overlooked topic however is finances, yet it is one of the top reasons for marital stress. Here are our thoughts on what to discuss and plan for when you are getting married.

Key Takeaways:

Wedding budgets & expectations
The wedding is just the first day of the rest of your life
Common or Community property state
Taxes in Marriage

You are getting married and your life is going to change in many ways. An often-overlooked topic however is finances, yet it is one of the top reasons for marital stress. Here are our thoughts on what to discuss and plan for when you are getting married.

Key Takeaways:

Do you know your partner's income, debt, spending habits and credit score?
Do you plan on merging finances or keeping them separate?
What will your new household budget be?
What are your attitudes towards saving and spending?

Generating income from dividends isn't just for retired people. It is a great strategy to have in your investment portfolio. But what companies should you invest in and how to you set up a diversified dividend portfolio? We will answer these questions as well as talk about the taxation of dividends versus interest on this week's show.

Key Takeaways:

Reinvest the dividends or take as income
High Yield versus growth
Be prepared for Volatility
Be diversified

Generating income from dividends isn't just for retired people. It is a great strategy to have in your investment portfolio. But what companies should you invest in and how to you set up a diversified dividend portfolio? We will answer these questions as well as talk about the taxation of dividends versus interest on this week's show.

Takeaways:

What are dividends?
How to Build a dividend paying portfolio
What types of dividend paying stock to look for

In this 2 part series we talk about some of the important financial decisions when becoming new parents. There is so much that will change as you prepare and learn about parenthood and the financial aspects can be ignored or dropped. Listen in today to find out what financial steps are important no this new journey in your life.

Takeaways:

Tax Breaks for Parents
Update Tax Withholdings
Start saving for College
Childcare
Find a Financial Planner or Take Some Classes

In this 2 part series we talk about some of the important financial decisions when becoming new parents. There is so much that will change as you prepare and learn about parenthood and the financial aspects can be ignored or dropped. Listen in today to find out what financial steps are important no this new journey in your life.

Takeaways:

Employer and State options for income while on maternity leave
Budget and Spending Plan
Life & Disability Insurance
Emergency and Retirement Savings
Create or Update Your Will

Have you heard the saying "If you have a million dollars saved in retirement, and just withdraw 4% you can retire"? Today we talk about how that doesn't always work. The key to retirement is spending. And you want to have enough to cover not just your retirement budget but also your fun stuff, health care, taxes, lifestyle, and downturns in the stock market. So, what do you really need? Call us for a complimentary Retirement Blueprint.

Key Points:

What is your spending?
Do you have money set aside for fun and lifestyle?
Do you have tax free income in retirement?
What about increasing health care costs as you get older?

Have you ever overspent at Christmas and had big credit card bills in January? That can take some of the fun out of gift giving at Christmas and can hurt your financial plans. Here are some ideas to keep Christmas spending down.

Key takeaways:

Secret Santa - one gift per adult
Kids don't need lots of expensive toys
Love is about your time & affection, not gifts
Write "You are Special because" letters

We all have family Christmas Traditions, and they change over time and as we and our children build traditions of their own. This week we share some of our family traditions. Enjoy!

Key takeaways:

Our Christmas Meals - then and now
Family Gift Giving
Christmas decorations
Family Gatherings

As the economy is experiencing inflation and recession and the stock market is volatile, people are asking about whether adding gold and silver to their investments is a good idea. You need to watch out for certain things when buying gold and silver. And determining whether it is a good idea for you.

Key Takeaways:

Do you due diligence on who is selling gold/silver products
Watch out for fear tactics and high commissions
Wealth protection
Pre 1933 coins - what are they and why are they unique

Many people are wondering what can I do financially to survive the current inflation. Today we are going to talk about causes of inflation and how to protect your savings. This is an important conversation that effects all of us.

Key Takeaways:

What causes inflation
Demand pull, cost push and money supply
Reduce or delay discretionary & large purchases
Some tips for making additional money

Are you talking about money with your children or grandchildren? Unfortunately, many parents are not talking about money with their children, and just leaving it up to them to figure out how to be financially responsible adults someday. Today we talk about 7 ways to start a money conversation so you can share your wisdom on what and what not to do.

Key takeaways:

Saving money & delaying purchases
What to do if someone asks to borrow money
What would you tell your younger self if you could
One thing you bought that you regret

Financial Basics - Use AE Creative "Five Retirement Planning Missteps" http://downloads.financial-resources.org/books/wrby/#p=4

Just like you might spring clean your home, you can clean your financial house. This week we will give you tips on how to reduce your financial clutter. Just like spring cleaning, these are good habits to develop on a regular basis.

Key takeaways:

Purge the Paper and Get Digital Backup
Consolidate Accounts
Automate Savings
Check your Financial Goals

Will You Have Enough Income in Retirement?

http://downloads.financial-resources.org/books/xtbx/#p=1

Are you worried about a major recession? Worrying won't help, and isn't good for you. The economy is cyclical and will experience times of recession. Listen this week to find out how to avoid anxiety.

Key takeaways:

Don't Buy into the Headlines
Resist Impulsive Actions
Make Time to Relax
Expand Your Outlook

Investing Basics - Use AE Creative "Understanding Market Corrections (Dually licensed version) 8 pages

http://downloads.financial-resources.org/books/wjxu/#p=1

In this two-part series we will give some ideas on how to be happy in retirement, assuming you have already handled the financial aspects. What are you going to do with the extra 2,000 hours per year you will have? Often people don't plan for what they will do with this new found time but it is important to your well being. Here are some ideas:

Key Takeaways:

Develop a grateful spirit
Learn something new
Find new adventures

Whitepapers:

Your Retirement Income Planning Checklist (Dually licensed version) 24 pages

http://downloads.financial-resources.org/books/qmmm/

In this two-part series we will give some ideas on how to be happy in retirement, assuming you have already handled the financial aspects. What are you going to do with the extra 2,000 hours per year you will have? Often people don't plan for what they will do with this new found time but it is important to your well being. Here are some ideas:

Key Takeaways:

To enjoy wealth you need good health
Companionship is vital
You need a sense of purpose

Whitepapers:

Your Retirement Income Planning Checklist (Dually licensed version) 24 pages

http://downloads.financial-resources.org/books/qmmm/

Kids and Grandkids will be out of school for the summer soon. On this podcast we will talk about the fun things we did as children, and offer some ideas to make summer break fun. And create lasting memories for the school aged children in your life.

Key takeaways:

Outdoor Ideas
Indoor Ideas
Educational Ideas
Acts of Kindness

Pets are an important part of many families. Our "furry babies" can get injured and sick, and the vet costs can be very expensive. So, should you buy Pet Insurance?

Key takeaways:

Injuries to dogs or cats can cost $1,000s
84% of pet insurance issued by 4 carriers
Plan can have deductibles & reimbursement percentages
Other ways to save on Pet Care

Do you know the difference between final expense life insurance and pre planned funeral packages? The cost of funerals increases between 5-7% per year. Since you already know that you will need a funeral at some time in the your life, why not plan ahead and save your loved ones the difficult decisions and financial burdens of your funeral?

Key takeaways:

Final Expense life insurance is a small death benefit meant to pay for your funeral
Final Expense plans still require minimal underwriting, and you will pay the premiums for life
Preplanned funeral packages lock in pricing today's costs
All aspects of your funeral are already planned and paid for

On the next 2 weeks of podcasts, we will share our experiences with short term missions. We hope you enjoy our insights on the people, their living conditions, and how to make a positive impact in their lives. This week we will talk about Ecuador.

Key takeaways:

What we enjoy about Ecuadorians
Geographical & Economic highlights of Quito
Medical Tents bring blood pressure & sugar readings, and eyeglasses
How you can bring hope to remote villages

On the next 2 weeks of podcasts, we will share our experiences with short term missions. We hope you enjoy our insights on the people, their living conditions, and how to make a positive impact in their lives. This week we will talk about Cuba.

Key takeaways:

What does socialism really look like
Poverty in Cuba vs poverty in the US
Money manipulation in Cuba
Many Cubans have never seen an American

Many people are accumulating cash out of concern for stock market losses. We see many people that are frustrated though as safe alternatives for their cash often are not earning enough to keep up with inflation. Today we talk about safe and liquid options that are earning more than brick and mortar banks are paying.

Key takeaways:

Online High Yield Savings accounts
How to find one that is right for you
I-Bonds - how they work and what they are paying

2022 was a unique year for the stock market as many negative factors came together at the same time. The US hasn't seen this combination before: stocks and bonds both down, inflation, and some say a recession. So do traditional 60/40 investment plans work anymore? Listen to this week's podcast to see why your investment strategies need to change.

Key takeaways:

The impact of rising interest, inflation and recession in the same year
Review of key metrics for 2022
3rd worst year in stock market history for 60/40 plans

Ever make "big" New Year's resolutions that were onerous, difficult, and didn't last long? We all have. So instead, try some of these simple resolutions that are small steps to big change.

Key Takeaways:

Wake up every morning with a simple positive statement
Recognize happy moments when you are in them
Is this current issue long term? If not, let it go
Don't procrastinate, get things done as they come up

We have all tried New Year's Resolutions that didn't last long. Instead of resolutions, try adding simple new habits. We hope you can take one, two, or just a few of these simple habits and make them a part of your New Year. Our hope for you is that this coming year is better than this past year.

Key takeaways:

Get healthy, good breakfast, drink more water, sleep 7-8 hours a night
Be proud of yourself, reflects on your good qualities and your strengths
Plan! Your next day's goals & outfit, monthly goals, and daily to do's
Think in solutions, not problems

We have all tried New Year's Resolutions that didn't last long. Instead of resolutions, try adding simple new habits. We hope you can take one, two, or just a few of these simple habits and make them a part of your New Year. Our hope for you is that this coming year is better than this past year.

Key takeaways:

Count your blessings, and let those you love know what you think of them
Journals, bucket lists, and to do lists
Help others, be kind, stop judging others

What an exciting time becoming a new Grandparent. This is new territory that needs to be navigated with wisdom and grace. Times have changed, and the baby has parents who may have different ideas than you do. Listen this week for our tips for new Grandparents.

Key takeaways:

Keep your advice to yourself
Listen to the parents
Help when you can, and that includes the parents
Follow the parent's rules

Most people have found themselves dealing with too much debt as some time in their lives. Others live in perpetual debt. It isn't a good feeling when those debt payments seem endless. This three-part series will give you some ideas on how to get out of debt, and stay out of debt. Today we talk about creative ways to cut down on expenses.

Key takeaways:

Make a budget
Extra income with side gig, sell stuff on Facebook Marketplace, stop investing
Have one credit card and pay it off every month
Give more

Most people have found themselves dealing with too much debt as some time in their lives. Others live in perpetual debt. It isn't a good feeling when those debt payments seem endless. This three-part series will give you some ideas on how to get out of debt, and stay out of debt. Today we talk about creative ways to cut down on expenses.

Key takeaways:

Online coupons and consignment shopping are great ways to buy what you need at a discount
FOOD is the hardest budget item to control
Do you need expensive hobbies or memberships?
Get creative with free entertainment

Most people have found themselves dealing with too much debt as some time in their lives. Others live in perpetual debt. It isn't a good feeling when those debt payments seem endless. This three-part series will give you some ideas on how to get out of debt, and stay out of debt.

Key takeaways:

Start an emergency fund so that emergencies don't catch you by surprise
List out your debts and pay off the smallest one first while paying the minimums on other debt
Once you pay off the smallest debt, take that payment and apply it to the next debt
Determine how much you can pay towards debt per month and stick with it

Being a pet owner has many joys and trials. Is owning a pet right for you? On today's podcast we talk about some of the joys and benefits of having pets. We also discuss the responsibilities and expenses.

Key takeaways:

Pets can help you live longer
Pets can be great companions
Know the costs before you get a pet: time and money
Covid lockdowns created a rush to get pets

There has been a trend among younger workers called "Quietly Quitting" where they do the least amount of work required for their job. But a new trend is emerging called "Quietly Returning" where older workers that were retired are "unretiring". This gives both employers and older workers big advantages. Older workers want part time, flexibility, routine, and socializing. Employers can fill open positions with people that have years of varied experience.

Key takeaways:

More than 60% of those who unretire say they are looking for something to do
More than 50% are happy with their decision
While it can be intimidating, these workers are trailblazers
Retirement no longer an exit, but a mile market

I'm sure you have heard a lot about the provision in the Inflation Increase Act to give $80 million dollars to the IRS. There has been much concern about increases in IRS audits and that the IRS has been stockpiling bullets. While lawmakers are trying to calm the concerns of Americans, there are several reasons why the IRS is understaffed and service is suffering. The real question is what will happen when the IRS beefs up it's staffing.

Key takeaways:

Since the 2013 IRS scandal, there have been several IRS budget cuts
The Inflation Increase Act will require more taxes to be collected to pay for all the new spending
Significant numbers of IRS agents are over 55 and will be retiring
New hires are not expected to be trained until 2026

It can be hard to see something that is missing. We often see people missing these 6 things from their retirement plans. The good news, is once you see it you can correct it.

Not having a complete retirement plan
Not considering Long Term Care
Not having an estate plan

It can be hard to see something that is missing. We often see people missing these 6 things from their retirement plans. The good news, is once you see it you can correct it.

Key takeaways:

Not having enough emergency savings & low earnings on these funds
Having too much company stock
Assets not allocated well

Today we explain the difference between inflation and recession and how these each potentially impact you financially. Does your financial plan include ways to overcome inflation and recession?

Key takeaways:

We are in the highest inflationary period in over 40 years
By historical definition, we are in a recession
We haven't seen both together since the 1970's
What are good investments right now

With the current inflation, we are looking for ways to make more money, or save money. On today's podcast we explore ways to earn more, save more, and spend less. Remember the old adage "a penny saved is a penny earned".

Key takeaways:

High Yield Savings Accounts
Cash back credit cards
Turn a hobby into cash
Online coupons & cash back programs

If you have a mutual fund that isn't performing well, how do you know if you should hold 'em or fold 'em? Look at your overall asset allocation strategy first and see if the fund is still in line with your goals or not. Then look at how much the fund is costing you.

Key takeaways:

How soon do you need the money?
Look at your risk tolerance instead of chasing past performance
Make sure you are rebalancing your asset allocations
Do you know how much the fund is costing you in load fees and administrative fees?

North American workers can be workaholics, with 26% saying they have never taken two weeks' vacation at one time. But it is taking a toll on many people's health and lives. So why could vacations save your life? Listen in to this week's podcast to find out.

Key takeaways:

Increase mindfulness by reducing familiarity
Improve heart health and reduce blood pressure, blood sugar, and abnormal cholesterol
Boost brainpower and creativity when your mind is relaxed
Improve sleep as you break your at home sleeping habits

How you navigate a turbulent stock market depends on your age. Stay calm. Then listen to our navigation ideas based on whether you are 25, 45 or 65 years old.

Key takeaways:

If you're 25 - this is a great opportunity to buy stocks at cheaper prices and hold onto them. You have time on your side
If you're 45 - keep to your long term strategy and move from bonds to defensive stocks
If you're 65 - move from growth stocks to value stock and try to use other sources for income if you need it

We enjoy our weekly podcast which cover not only financial and retirement issues, but important issues in life. Our goal is to encourage you and give you new ways of thinking with tools for your success. Listen in to why we love what we do. Key takeaways:

We truly love to help people
One of the favorite parts of our jobs is people, and watching fear leave when they review their Retirement Blueprint
Even hear what we don't like about our business

The S&P 500 is nearing bear market territory, and NASDAQ has already dropped more than 20%. Add inflation, unemployment, and rising interest rates and people are scared right now. So just like bear season in the wild, keep on your path and bring bear deterrents.

Key takeaways:

Inflation is painful right now, as is the Feds increasing of interest rates
Supply chain issues are increased due to China's zero covid policies
Does the stock market slump signal deeper issues in the economy?

Stock market volatility and how it relates to the current state of the economy is on many people's minds. It has been over 12 years since we have seen a true market correction. The COVID-19 downturn turned around quickly. How are the market indicators different now?

Key takeaways:

What is an economic cycle and where are we in that cycle?
The impact of inflation
Is the economy driving stock market volatility?

On this week's podcast we will look at the definition of these words and how they apply to our relationships. We will explore what is healthy and unhealthy about each of these. Moving from dependence, to independence and then to interdependence reveals our level of maturity in taking responsibility for our own wellbeing. Key takeaways:

Dependence is relying or being controlled by someone or something else
Independence is NOT relying or being controlled by others, or in other words being free
Interdependence is being mutually dependent on each other

Lifelong learning is like a health club for your brain. Lifelong learning has many mental and physical benefits, especially as we age. Engaging in learning for your entire life has many rewards.

Key takeaways:

Lifelong learning creates a curious, hungry, and open mind
Lifelong learning gives us wisdom and helps us adapt to change
Lifelong learning enhances relationships, self-fulfillment, and others

Lifelong learning is like a health club for your brain. Lifelong learning has many mental and physical benefits, especially as we age. Engaging in learning for your entire life has many rewards.

Key takeaways:

Lifelong learning creates a curious, hungry, and open mind
Lifelong learning gives us wisdom and helps us adapt to change
Lifelong learning enhances relationships, self-fulfillment, and others

When the stock market feels more like a roller coaster ride than smooth sailing, most investors become nervous. This can lead to emotional decisions and trying to time the stock market. In the two-part podcast we will look at history and statistics to help you stay the course.

Key takeaways:

Timing the market doesn't work
Time in the market does
Learn from the past

When the stock market feels more like a roller coaster ride than smooth sailing, most investors become nervous. This can lead to emotional decisions and trying to time the stock market. In the two-part podcast we will look at history and statistics to help you stay the course. Key takeaways:

Look at history to help make decisions now
We have always come through downturns
Volatility is not new
How long have market corrections lasted in the past

We all encounter situations where we wish we had more patience. Patience is a virtue in all avenues of life. Patience needs to be cultivated and practiced. In this two-part series we are going to talk about ways to increase your patience.

Key Takeaways:

What triggers you?
Practice contemplating how to handle touch situations a head of time
Find healthy ways to reduce stress
Gratitude!!

We all encounter situations where we wish we had more patience. Patience is a virtue in all avenues of life. Patience needs to be cultivated and practiced. In this two-part series we are going to talk about ways to increase your patience.

Key Takeaways:

Progress not perfection
Slow down, process and focus on one task at a time
Take a deep breath and count
Step back when emotions are running high

We have all experienced feeling overwhelmed at times. Is this a rare occurrence for you or a constant state of being? Listen over the next 2 weeks to find out what can cause these overwhelmed feelings, and how to overcome. Key Takeaways:

Don't be a perfectionist
Take a break
Practice gratitude
Practice kindness

We have all experienced feeling overwhelmed at times. Is this a rare occurrence for you or a constant state of being? Listen over the next 2 weeks to find out what can cause these overwhelmed feelings, and how to overcome.

Key Takeaways:

Feeling overwhelmed can become a vicious cycle
Challenge your limiting beliefs
Focus on outcomes & prioritize
Ask for Help!

It seems to us that kindness has suffered recently with the constant barrage of bad news and COVID uncertainties. People seem to be focused on each other's differences instead of our common humanity. We hope this two-part series will bring the focus back on being kind. We will talk about all the benefits of simple kindness, to you and to others. Key takeaways:

Kindness is teachable and contagious
Positive hormones released in your brain when you are kind: Oxytocin, serotonin, dopamine
Increase your lifespan, happiness, energy, and pleasure with acts of kindness
Decrease pain, stress, anxiety, depression, and blood pressure with acts of kindness

It seems to us that kindness has suffered recently with the constant barrage of bad news and COVID uncertainties. People seem to be focused on each other's differences instead of our common humanity. We hope this two-part series will bring the focus back on being kind. We will talk about all the benefits of simple kindness, to you and to others. Key takeaways:

Kindness improves self-esteem, empathy, compassion and enhances relationships.
Kindness positively changes your brain by releasing serotonin and dopamine
Don't forget to be kind to yourself
Be intentional! Plant positive seeds in your mind garden

Based on the scientific work of Dr. Caroline Leaf, we explore the power of your thinking and how it affects every part of your life. In this 3 part series, we highlight some of the ways your thinking impacts you and how you CAN choose to "Train Your Brain" (the name of one of Dr. Leaf's books). If you like what you hear in the next few podcasts, we encourage you to search out more.

Key takeaways:

You were not designed to go through life fearful
What you think rewires your brain
We are directly responsible for what we choose to think about and dwell on

Based on the scientific work of Dr. Caroline Leaf, we explore the power of your thinking and how it affects every part of your life. In this 3 part series, we highlight some of the ways your thinking impacts you and how you CAN choose to "Train Your Brain" (the name of one of Dr. Leaf's books). If you like what you hear in the next few podcasts, we encourage you to search out more.

Key takeaways:

Multitasking is a myth
What your mind creates only your mind can take away
How you think not only affects your own spirit, soul, and body but also those around you
You are not a victim of biology or circumstances

Based on the scientific work of Dr. Caroline Leaf, we explore the power of your thinking and how it affects every part of your life. In this 3 part series, we highlight some of the ways your thinking impacts you and how you CAN choose to "Train Your Brain" (the name of one of Dr. Leaf's books). If you like what you hear in the next few podcasts, we encourage you to search out more.

Key takeaways:

If you realized how powerful your thoughts are, you would never think a negative thought again
You are not a victim. You can control your reactions. You do have a choice
You must choose to be happy, healthy and have a great thought life

The current inflation increase is causing concern for many Americans. Is this short lived or will it continue? While the price of consumer goods, food, and gasoline have sharply increased, has it really increased as much as the negative reaction from consumers?

Key takeaways:

Consumer confidence is dropping quickly
Does the "misery index" match the data on inflation
Who should be worried?
Why is the stock market still rising during this increase in inflation?

We are often asked if Gold and Silver are a good addition to investments. There is a lot of confusion about how to own it. We will talk about the different ways to have Gold and Silver investments and the pros and cons of owning Gold and Silver.

Key takeaways:

Does Gold and Silver help hedge against inflation?
Gold and Silver ETFs
Should I own physical precious metals?
What to watch out for

We all know people that are givers and takers. Do you know what a Matcher is? And what type of reciprocity style are you? This week we will talk about each type and which ones are the most successful.

Key takeaways:

5-minute favors
Ask for help
Give in "chunks"
Do favors

We all know people that are givers and takers. Do you know what a Matcher is? And what type of reciprocity style are you? This week we will talk about each type and which ones are the most successful.

Key takeaways:

Definition of Takers, Givers & Matchers
Which ones are more successful at work
Selfless & Otherish givers
Tips for being a successful giver

Retirees can often feel lost after retiring. They lose structure, identity, purpose, power and relationships during retirement. But your best years can be the ones ahead. You just need to know where to look.

Key takeaways:

Engage with people of all ages
Stand up for what you believe in
Make a difference in someone else's life
Follow the dreams you didn't have to before

People in their 20s can think they are not financially stable enough to start investing. They may have student debt, low salaries, or just don't know how to start. The advantages to start young are significant though.

Key takeaways:

Time gives you the power of compounding
You can take more risk with years of earning ahead of you
Take advantage of tech savvy resources for investing and learn from your successes and failures
Invest in yourself by learning advanced skills that can earn you more money

Many people would like to be more active in managing their budget and financial plan. With all the advice and options available however, this can seem overwhelming. In this 2-part series, we will share some tips to on how to get started.

Key takeaways:

Pay yourself first
Check your credit score
Organize your financial records
Start spending less money

Many people would like to be more active in managing their budget and financial plan. With all the advice and options available however, this can seem overwhelming. In this 2-part series, we will share some tips to on how to get started.

Key takeaways:

Start with the end in mind
Know where your money goes
Make monthly deposits into an investment account
Know your expenses

Our life is full of decisions. You can take the same action, but you can do it out of fear or faith. Fear is self-focused, while faith is God-focused. Are you making decisions based on fear or faith?

Key takeaways:

Reflect on your decisions and ask yourself if you are responding in fear or faith
Fear is about security and control, faith is about trust and obedience
Fear is timid, faith is bold
Fear or faith have actual neurological impact on your brain (Dr. Caroline Leaf)

In this final segment of our 3-part series, we discuss how mentally strong people avoid negative habits that undermine their strength and peace. You can develop healthy ways of thinking, creating mental muscle, that brings you more peace.

Key takeaways:

Perfection is a hard task master
Holding grudges and unforgiveness hurts YOU
Material possessions don't satisfy your needs
We need to admit when we need help

It is important to have a "decumulation" plan for your Retirement assets. Many people don't realize these missteps can negatively impact how long your money will last in retirement. Listen in to find out how to avoid these mistakes.

Key takeaways:

Pay attention to taxability of your withdrawals
Are you claiming Social Security too soon
Use ROTH funds last unless you use them to balance a high tax year

How do you keep inner peace in times of turmoil? This week we continue our 3-part series on how mentally strong people have learned to have confidence that they can handle what life brings their way.

Key takeaways:

Comfortable vs challenging
The victim mentality
Trying to impress people

Turn on the news these days, and all you will hear is nonstop coverage of crises and bad news. Even talking with friends and family seems to bring up all the things that are wrong these days. So how do you keep your inner peace in times of turmoil? Stay tuned for our 3-part series to find some tips.

Key takeaways:

Don't engage with toxic people
Don't play the self-blame game
Happiness vs contentment

Economic models typically assume that humans make rational decisions. But when it comes to investing in the market, many people fall into several behavioral traps. Learn what some of these traps are and how to avoid them.

Key takeaways:

Confirmation Bias
Availability Bias
Overconfidence
Loss Aversion

We will finish our 2-part series on simple and inexpensive ways to reduce your stress without leaving your home. It takes 21 days to form new habits. Pick a stress reducing habit and incorporate it into your everyday life.

Key takeaways:

Baking
Meditation/Prayer
Stretching
Coloring books & doodling

Stress and anxiety is different for everyone and is a brain and body push back on all you are trying to manage. Stress leads to a continuous fight or flight response that can have negative impacts on our health. There are easy and simple ways to relieve this stress.

Key takeaways:

Start your day with gratitude and make sure there is laughter in each and every day
Incorporate quick bursts of movement throughout your day. Even 30 seconds will activate positive mood enhancing results
Dance to a favorite song as if no one is watching!
Take a bath or give yourself a quick gentle massage and let the stress melt away

We will compare Fixed Indexed Universal Life to ROTH regarding tax savings, stock market risk, and additional benefits. This is the best way to truly compare the two instead of looking at only one aspect over a short period of time. Since both of these options create tax free income for retirement, which one meets more of your retirement goals and objectives?

Key takeaways:

Since these are both long term strategies, look at fees over a 10-year period or more.
FIUL gives you upside stock market participation while protecting from market risk and downturns
FIUL gives your loved ones a tax-free death benefit
Can a stock market investment give you Long Term care benefits?

With a possible tax rate increase in the near future, people are wondering if it is still a good time to do ROTH Conversions. Anytime is a good time to do ROTH Conversions, depending on your specific situation. Creating tax free income for retirement is a good idea with government debt, spending, and an aging population likely to mandate higher taxes no matter what political party is in power.

Key takeaways:

Biden has signaled a tax increase for anyone making more than $400,000, however there can still be an impact on lower incomes
There has been a recent increase in people asking about ROTH 401k and IRA's
The tax increase could be retroactive to January 2021, so reevaluate ROTH conversion when there is some certainty on 2021 tax rates
Do you want to pay tax on the seed or the harvest (think farming)

When making a financial plan, we like to compare it to building a house. That is why we call our financial plans the Retirement Blueprint. In this week's show we will talk about some of the components of a solid written retirement plan.

Takeaways:

EVERYTHING starts with a good plan, that will change over time
80/10/10 rule - Set aside 10% of your monthly income for God/charity, 10% to savings, and then the remaining 80% on your monthly needs
Good debt vs bad debt
Live within your means

Every heard stock market investing terms that you aren't sure what they mean? If you want a brief overview of some common stock market terms and concepts, then this week's show is for you.

Takeaways:

What is Modern Portfolio Theory?
What is the difference between Tactical and Strategic investing?
How is Active management different than Passive?
What does asset allocation mean?

You have no doubt heard the idea that you can retire by starting with $1 million dollars and just withdraw 4% per year. Can you have confidence in this? Today we talk about why this often won't work.

Key takeaways:

If you are 65 years old, and $1M dollars, spend $50,000/year, and only take 4% of your $1M, your money would only last about 20 years after inflation and taxes
BUT everyone's situation is different. Do you have a comprehensive retirement plan that takes into account: Geography, longevity, lifestyle, health care, investment risk, taxes and inflation?
The key is enough guaranteed income to cover your monthly expenses.
Start saving NOW to time and compounding is on your side.

End of life planning is a critical component of an airtight financial plan. Generational meetings with parents, children and financial advisors is gaining popularity for many reasons. Does your financial advisor link your heirs with your wishes and provide guidance to your loved ones when you are gone?

Key takeaways:

Have you ensured that there is a plan in place for when the unprecedented happens?
Generational meetings can minimize the stress of planning for the future of your finances
These meetings take the pressure off of you to communicate complex financial plans
Plan today for your assets to be transferred effectively and as tax efficiently as possible.

This is the final podcast in our Take Control of Your Financial Life series. We have shared many ideas, and thank you for your positive feedback. It seems only fitting to end the series with some organization tips.

Key takeaways:

Set up automatic bill pay to avoid late fees and protect your credit score
Every week look at your finances. Set up reminders, especially to make sure you have enough money in the bank for the automatic bill pay.
Find out what documents you need to keep: taxes, contracts, loans, real estate
Make small investments today to save you money over time

More than 60% of Americans do not have a will, including parents with children under 18! People don't understand what might happen if they die prematurely. Or they are hesitant because they just don't know what they need or how to get a will or trust. We hope this podcast will encourage you to put this on the top of your to do list.

Key takeaways:

Getting a will or trust is one of the most crucial aspects of a solid financial plan.
Even a simple will identify your wishes for who will take care of your minor children.
Without a will, a judge is left to determine what happens to your assets. With a will, your heirs will still go through probate court.
Trusts may be a better option for you. We have described the basic differences in this podcast

I love to hear the different ways people come up with to save money. Some of these ways are easy and fun. It doesn't have to be hard.

Key takeaways:

Spare change jars
Shop at a dollar store
Cook dinner at home
Do weekend cooking for the week ahead

We all can add new habits to drive unnecessary expenses out of our budgets. This week we share more fun ideas to create a lifetime of good spending habits.

Key takeaways:

Have a no-spend week
Use coupon apps
Find free stuff!
Cancel subscriptions

You can find money (savings) in your bank and credit card statements. It is easy to overlook small charges, recurring subscriptions, or even wrong charges when you review your bank and credit card statements often.

Key takeaways:

Look for recurring charges. Do you use what you are paying for?
Be thoughtful when you review your expenses. Do you really need the things you are spending money on?
Be careful of "free" items that convert to monthly or annual billing after the "free" period.
Do you have rewards on your credit cards like travel points or cash? Reward yourself by switching credit card companies if you aren't.

We will discuss today some ways to earn extra money. Whether you need to cover budget expenses, have something fun you are saving for, or just have time on your hands and want to do something, we hope today's podcast gives you some ideas.

Key takeaways:

Have a car? Try becoming a driver for Uber, Lyft, UberEATS, Door Dash, Amazon, or many other companies looking for part time drivers
Are you opinionated? Why not become a mystery shopper, get paid for online opinions, or join a focus group?
Sell your stuff! With Facebook marketplace, consignment shops, eBay and many other options you can organize your home/garage and make money.
You have people surrounding you that could use help with errands, odd jobs, pet sitting, babysitting, and many other things. Check out your local neighborhood app.

How to take control of an often-overlooked area of your budget - groceries! Today we are sharing ways to buy what you need, avoid overspending, and where to shop.

Key takeaways:

Make a list before you go to the store
Shop at more than one store depending on what you need to buy
Use cash instead of credit cards for 3 weeks until it becomes a habit to know how much you are spending before you get to the checkout register
Warehouse clubs are great but be careful of overspending on items you don't really need

Are fees eating away at your budget? There are all kinds of fees, some small some big, that you can avoid. Keep more of your money by eliminating or avoiding fees that don't have value.

Key Takeaways:

Investment fees are a normal part of having your investments managed. Do you get value for them?
Banking fees can be avoided. Do you pay for checking accounts, ATMs, overdraft or money transfer fees?
Did you know you can make a phone call and often have your credit card interest rate reduced or late fees removed?
Get rid of unused TV and App subscriptions!

There are common personal finance mistakes that often occur over and over again. You can get out of, or avoid, these mistakes. Listen to this multi-part series and find out if you are making any of these mistakes and how you can correct them.

Key takeaways:

Create a budget
Evaluate/Review your budget
Track you spending
Free budgeting software

There are common personal finance mistakes that often occur over and over again. You can get out of, or avoid, these mistakes. Listen to this multi-part series and find out if you are making any of these mistakes and how you can correct them.

Key takeaways:

Look at bank and credit card statements frequently
Create stronger passwords for your online accounts
How to avoid scams designed to trick you into giving away personal information and logins
Get a cheaper cell phone plan

There are common personal finance mistakes that often occur over and over again. You can get out of, or avoid, these mistakes. Listen to this multi-part series and find out if you are making any of these mistakes and how you can correct them.

Key Takeaways:

Transfer out of high interest debt to zero or low interest debt
Find free money
Reduce student loan debt by refinancing or adding to your minimum payments
Find better prices insurance, utilities and other expenses

We all want to have control of our Financial Life. Sometimes the steps needed to get there can seem intimidating. It doesn't have to be. Pick some of the steps we will talk about in this series, and start building your financial confidence today.

Key Takeaways:

Review your credit report - OFTEN
How to correct negative events on your credit report
Make an extra payment toward debt

We all want to have control of our Financial Life. Sometimes the steps needed to get there can seem intimidating. It doesn't have to be. Pick some of the steps we will talk about in this series, and start building your financial confidence today.

Key Takeaways:

Set goals
Make or increase your 401k contributions, especially if you have employer matching
Start an automatic savings plan, no matter how much you can start with

There are common personal finance mistakes that often occur over and over again. You can get out of, or avoid, these mistakes. Listen to this two-part series and find out if you are making any of these mistakes and how you can correct them.

Key takeaways:

What if the primary earner dies or suffers a disability?
How well have you trained your children to be financially responsible?
Are you taking advantage of all the benefits your employer offers?
What's your plan for major purchases?
Are your investments diversified and age appropriate?

There are common personal finance mistakes that often occur over and over again. You can get out of, or avoid, these mistakes. Listen to this two-part series and find out if you are making any of these mistakes and how you can correct them.

Key takeaways:

Are you living paycheck to paycheck?
Does only one person in the family know where the money goes?
Do you discuss budgets, spending and goals with your partner?
DO NOT loan money to family and friends
Do you have an emergency fund that you put money in regularly?

Spouses often have differing opinions on saving and spending, but when does it become a problem? A spouse that overspends can create tension, anxiety and even anger in a marriage. We will talk about the problems this causes, but more importantly, some solutions.

Key takeaways:

An overspending spouse can endanger your retirement
Communication and understanding underlying issues can help couples find common ground
Overspending is often more than just numbers, it is emotional
Take action before marital damage leads to divorce

Retirement will be your longest "vacation". People rely on Social Security and pensions for steady income in retirement. What if this doesn't cover your monthly expenses. We call this your retirement income gap. Today we will talk about different ways to create guaranteed income in retirement.

Key takeaways:

Using stock market assets and dividend income
Is real estate or REIT's a good income source
Income annuities can provide an additional income stream in retirement
Working part time after retirement

Today we will talk about the main differences between a Will and a Trust. Our goal is to help you think about your options and help you determine which would be best for you. Start thinking about how you will communicate your wishes once you are gone.

Key Takeaways:

Is a "do it yourself" will a good idea for you
Creating a trust can protect you from people that want access to your legacy
Trusts avoid probate
Make sure your attorney includes HIPPA, Medical & Financial Powers of Attorney, and DNR forms

No matter how you voted, a lot of change is coming. These changes have made many people nervous or fearful. You can overcome this fear with a solid financial plan.

Key takeaways:

Taxes will go up
Start with a solid detailed financial plan that can accommodate future changes
Turn the news off!
Americans are overcomers - we have made it through world wars, depressions, stock market crashes, and virus outbreaks.

Getting a tax break up front when you contribute to your 401k, IRA, 403b, 457 etc seems like a great idea. But is it? You decide after we walk through an example of paying tax now, or paying it later.

The beginning of the year often brings New Year Resolutions. These often include focusing on improving your finances. To help you with your resolutions, we will give you some tips for getting financially healthy this year.

Many people become reflective as the New Year approaches. We are going to talk about financial tips to implement before year end and how to position yourself for success in the New Year.

1) Max out your 401k, 403b, 457, IRAs or other retirement contributions

2) Pay attention to your deductions. Pay expenses off early if it will put you over the standard deduction

3) Harvest gains and losses from your stock market investments

4) Set up a budget and review your investments

If there was a Financial Santa Clause, would you be on his naughty or nice list this year? We will ask some questions in this podcast so you can determine which list you are on. And how you can make sure you are on the nice list for next year.

Key takeaways:

1) How aware are you of your savings, investments, and spending?

2) How are you doing with debt? Are you paying credit cards off monthly or making progress on paying down balances?

3) Do you have an expense plan or do you buy compulsively?

Most of us have had to get out of debt at some point in our lives. There are valuable lessons to be learned in this process. Have you heard or told yourself these "lies" when you are in debt?

Key Takeaways:

You CAN get out of debt
You can still have fun without running up credit card debt
Consider having just one debit card and one credit card, and pay off your credit card in full every month
You will love the feeling of freedom instead of the dread of debt

We are all at different levels of understanding when it comes to how to invest in the stock market. Today we will go over some basics you should know about.

Key Takeaways:

Pay attention to fees
When and how should you rebalance your investment accounts
Hiring a professional advisor can be a good idea if you don't have the time or expertise to manage your stock market investments

Wouldn't it be nice if we never had financial "rainy days"? But realistically you will, so today we will talk about how to plan for them.

Key Takeaways:

1) Pay yourself first by making savings part of your monthly budget

2) Keep your savings and checking in separate banks

3) Open a high yield savings account at a virtual bank for better interest earnings

4) Consider using a Credit Union

What kinds of insurance should you have to help protect your assets and finances? Today we will talk about types of insurance that are often overlooked.

Key Takeaways:

1) Get more life insurance than your company provides

2) Even if you rent instead of own your home, get renters insurance

3) Are umbrella policies a good idea

Your credit rating is an important part of your financial plan. Do you know what factors affect your credit rating? How can you achieve an excellent credit rating?

Key Takeaways:

1) Review Your Report Regularly

2) Only use 30% or less of your credit limit

3) Take advantage of 0% financing

When is the best time to start saving for your retirement? And once you start, what ways are there to make the most of your retirement savings.

Key Takeaways:

1) Start saving NOW

2) Resist the temptation to withdraw money from your retirement funds

3) When you get a raise, give your retirement savings a raise also

Ever feel like shopping can be detrimental to your budget? This week we share some ideas to help you shop smarter.

SMART is an acronym for effective goal setting. Join us this week to find out how to successfully set goals that are: Specific, Measurable, Attainable, Relevant, and Time Bound.

Are you looking for a higher paying job or looking for a pay increase at your current job? We will talk about negotiating your salary, unemployment, and tips for asking for a raise.

Learn some simple tricks on how NOT to fall into the debt trap. Use loans smartly from mortgages, credit cards to student debt.

Do you have a hard time setting and keeping financial goals? The week we will share easy tips on how to get money motivated.

Do you know the financial basics? What easy steps will help you budget like a pro?

Is there value in paying more for a product or service? Could focusing on the lowest price cost you more in the end?

What do you do if you have been laid off or furloughed due to the pandemic? Don't panic and let us help you plan a successful outcome.

In today's low interest rate environment, how can you beat inflation? Where else can you turn when savings accounts, CDs and bonds are not keeping up with inflation?

Why has there been a sudden increase in precious metal values?Should I have part of my investment portfolio in gold or silver?

The concept of efficient markets rests on the belief that investors behave rationally. The statistics show that often investors do NOT behave rationally. So how do you overcome irrational emotions when investing?

Assisted living costs average $5,000 per month nationwide, and nursing home costs average $7,000 per month. What are the different ways you can plan for this expensive possibility?

Do you find you aren't completely satisfied with your retirement? After working for 40+ years, many people need something during retirement to stay busy.

Today we are talking about ways your budget may be leaking money. Do you have any of these "Budget Buster" expenses?

Investing in the stock market can lead to emotional decisions. These emotions range from fear to greed. Every investor should know their risk tolerance and follow a solid plan that will keep them from investing mistakes.

What should you look for when you have decided you need a financial/retirement advisor? Choosing the right advisor for you will depend on what your needs and goals are. There are several criteria to look for in determining if an advisor is right for you.

There are differing opinions on whether term or permanent insurance should be part of a solid financial or retirement plan. We will discuss what these are, how they work, and who are they designed for.

What are the pros and cons of a company 401k? On this podcast we will look at the basics of employer 401k's and address some of the confusion on how best to use a 401k to achieve your retirement goals.

When you hear the word annuities, do you have an emotional reaction based on information you may have heard or read? There are many myths and misinformation surrounding the topic of annuities. Today we will talk about different types of annuities, how they work, and hopefully give you useful information regarding whether an annuity would be helpful to you.

Does your employer offer a Defined Contribution or Defined Benefit plan? Listen today to find out what these are and how they work. We will also talk about Traditional versus ROTH IRA's.

Do you know what fees you are paying on your investments? There are up front fees, hidden fees, administration fees, commissions, and other fees. Sometimes fees are easy to identify, and others are hard. Listen in today to find out what fees you may be paying.

Most people think of financial planning when they think of preparing for retirement. However, the psychological side of retirement is often overlooked. When people aren't mentally prepared for retirement, the change can be harder than it needs to be.

Debt can be a killer to solid Financial and Retirement Planning. Student loan debt can derail your financial planning. We will share with you some alternatives to creating a successful career without the burden of large student loans.

Some people are experiencing a mental toll during COVID, and the focus is shifting from the physical illness to the emotional downsides. There are some positive habits you can form now that you might not have done without this period of uncertainty.

It seems everyday we hear negative and conflicting information on the news, Facebook, family and friends. However there are also many positive things happening during this unprecedented change. This week we are sharing some positive thoughts and how to connect with others during this period of sheltering at home.

Is a ROTH IRA a good idea for you? It depends on your situation. Kevin and Karin outline the benefits of a ROTH IRA and how it's different from a traditional IRA.

Can you benefit from the newly passed CARES act? Kevin and Karin explain the details of the new legislation and how it could potentially affect retirement planning.

If I could tell my younger self something I know now that I didn't know then, it would be it doesn't matter what other people think of you. Confidence in how you are and who you are becoming can insulate you from people that aren't thinking about what is truly best for you. You only have one life to live so make it awesome.

If I could tell my younger self something I know now that I didn't know then, it would be to start saving sooner. Developing a habit of consistent saving is more important than the amount. So start saving now if you don't already.

What do you do when life throws you a curve ball? When troubling times hit, you often have no control over the events, but you can control how you react to them. You can choose not to panic and be positive instead.

Know your risk profile
What is your investment time horizon?
What is the Rule of 100? And how do we utilize this rule of thumb?

Pay yourself first
Ways to help avoid debt
Your emergency money doesn't need to be "dead" money