The Money Master Podcast: Recent Episodes
Nick Davis
Join Nick Davis CFP® and Connie Davis of Brindle & Bay each episode as they seek to provide clarity and empowerment through a thoughtful and friendly discussion about the important topics that shape our financial lives.
The Money Master Podcast will cover topics ranging from investing to legacy planning, healthcare to income planning, and a wide range of additional conversations that'll help educate you about retirement's most important considerations.
If you have any questions, don't hesitate to reach out.
Contact: www.brindleandbay.com 214-988-9178
Brindle & Bay is based in Frisco, Texas.
What if retirement wasn't really about stopping work — but about starting life? Today, we're sharing some powerful real-life stories of families who've RECENTLY made the leap into retirement.
What if you could get to your retirement savings early — penalty-free — but end up less confident about retiring?
Today we're talking about Rule of 55…and why retiring early just because you can access your money might actually keep you from ever FEELING retired.
Author Morgan Housel once said: 'You should obsess over risks that do permanent damage and care little about risks that do temporary harm, but the opposite is more common.' And he's right—most investors spend more energy worrying about the noise than the real danger. We'll talk about it on this episode.
One of the top questions we hear from people right before retirement is: Should I pay off my mortgage? It sounds simple, but the answer is a little more complicated. Today we're going to break it down.
What if I told you that two people could have the same retirement income…but one lives confidently and the other is constantly worried they're spending too much?
Today we're ranking six types of retirement income — from the ones that feel stressful to spend…to the ones that create total confidence.
Most people get a little nervous before their first meeting with a financial advisor. They wonder—what will they ask me? Am I going to get pitched on products? Do I need to have all my paperwork ready? Today, we're pulling back the curtain on what we wish everyone knew before their first meeting with us.
More people than ever are asking: Can I retire in my 50s?
And maybe the better question is…Can I retire in my 50s without regret?
Today we're talking about what it actually takes to retire early and still feel confident about the life ahead.
You've probably seen the headlines: 'Crash coming,' 'Recession inevitable,' or 'Buffett moves to cash.' And it raises the question: are these headlines really helping investors? Or are they quietly sabotaging good decisions?
For most people nearing or in retirement, the media noise does more harm than good. Today, we're unpacking why that is, and more importantly, what you can do to insulate yourself from it.
What if the lowest tax years of your life are the ones you never planned to take advantage of? Today we're talking about what we call the Retirement Tax WINDOW — that sweet spot between leaving work…and hitting Required Minimum Distributions. And that window can determine how much of your money you keep versus how much goes back to Uncle Sam.
We hear this all the time—'I just want to feel comfortable in retirement.' But what does that actually mean? Is it a number? A lifestyle? Just peace of mind?
That idea of 'comfort' comes up in so many planning conversations, and today we're unpacking what it really looks like—because it's probably not what most people expect.
Mike and Julie were in their early 60s—and they were ready to retire. The only problem? They didn't feel READY, the market felt SHAKY, and they weren't sure if leaving work now would jeopardize their future.
They wanted freedom, but they also wanted peace of mind.
Today, Certified Financial Planner Tori Ten Hagen will be walking us through the case study of how we helped them decide if NOW was the right time—and what gave them the clarity to move forward.
You may have seen the headlines—Warren Buffett just boosted Berkshire Hathaway’s cash pile to a record $347 billion. And naturally, people are asking: Is he expecting something big? Is he pulling back from the market?
We’ve had some of those same questions come up in client conversations—especially during market dips earlier this year. So today, we’re going to break it down and talk about what this move actually means for people nearing or already in retirement.
“Have you ever had that thought: What if my advisor is wrong? It’s a fair question—especially when the future feels uncertain.
Today, we’re going to talk openly about that doubt—and explain what advisors are actually meant to do.
In this episode of the podcast, Nick, Tori, and Connie explore a provocative idea: what if the key to happiness in retirement isn’t saving more, but spending differently? Drawing on new research and real client experiences, the team discusses how money can be used intentionally to boost well-being, connection, and meaning in retirement.
Tune in to hear how retirees can shift their mindset — and their spending habits — to find more joy and purpose in the years ahead.
Some topics covered:
- Why “more money” isn’t always the answer
- The surprising results of the global $10,000 study
- Which spending categories actually boost happiness
- How retirees can align their money with their values
- Four powerful reflection questions to guide more joyful spending
In this Q&A session, Tori and Nick sit down with Connie to answer real questions about how our firm approaches retirement withdrawals using a risk-based guardrail strategy. Watch this podcast to gain a fuller understanding of how our dynamic withdrawal approach works, how it adapts to market conditions, and why it gives retirees more clarity and confidence without relying on rigid rules of thumb.
Some topics covered:
What are guardrails and how do they work?
How do we adjust withdrawals during market ups and downs?
Why flexibility matters more than precision.
Whether you’re approaching retirement or already in it, this conversation will give you a clearer picture of how we help clients enjoy their money—without the fear of running out.
How will I handle market drawdowns in retirement? This is a question we hear often. People want to know what their retirement plan will do when the market takes a downturn. They want to know what their plan will be. Will they have a bucket of money sitting somewhere? Will they make adjustments to their portfolio?
One question we hear often is “Will my SS be taxed?” When you retire and begin taking your SS benefits, will the government want to tax that? After all, haven’t you already paid taxes on this money?
Add to that—there’s been some talk about NOT taxing SS benefits at all! How might that impact your retirement? And is it as good as it sounds?
Today, we’re tackling a big question: Should I gift money now or wait until later? You want to give gifts to loved ones or to charities--- but you’re questioning when the right time would be for that. When could they best use that money? Will I need that money someday?
Today, we’re talking about investing in stocks during retirement. People ask about balancing growth vs safety in retirement. You hear all of this negative stuff about the stock market. Should I keep investing in retirement?” that’s the question we’re answering today.
People ask if they should work an extra year or not. We hear it a lot--- and the answer is not just about money—it’s about your lifestyle, your health and what you want your retirement to look like.
If you’ve ever been told, “ A Roth conversion is the best thing you can do for your retirement, “ this episode is for you…. Because you also need to know when they might NOT be a good idea.
While converting your Traditional IRA or your 401k into Roth has some fantastic benefits, there are times when it might not be a good idea… Today we will talk about the scenarios where it might actually work against you.
There is a right time to hire a financial advisor and there’s a wrong time---- or at least a time when they aren’t as beneficial.
We’ve spoken with countless individuals who are seeking clarity about their financial futures. Some of them ask outright, “Should I hire a financial advisor now, or wait?” That’s the exact question we’re discussing today.
There are 5 conversations every couple should have before they retire.
Retirement isn’t just a financial transition; it’s a lifestyle change that affects every aspect of your life—especially for couples.
Today, we’re diving into the five financial conversations every couple needs to have before retiring to make sure you’re on the same page and set up for success.
Today, we're addressing a topic that’s in headlines quite often: What happens if Social Security becomes insolvent? Is it really going away in 2034? Should you worry about your benefits? …and what you can do to prepare.
Check Out Our YouTube Channel: www.youtube.com/@brindleandbay
You’ve been scrolling social media, chatting with friends, or attending reunions, and it feels like everyone is posting about their retirement parties, exotic vacations, and new hobbies. Meanwhile, you’re still setting the alarm for work every morning. Why does it feel like everyone’s ahead of you—and what should you do about it?" That’s what we’re going to talk about today.
Check Out Our YouTube Channel: www.youtube.com/@brindleandbay
The responsible side of each and every one of us knows we should be doing certain financial planning things each year. But we’re busy people and most of us can only make time to do the things that are THE MOST ESSENTIAL. So today we’re going to talk about mastering your money with only the most pressing things people nearing retirement should do.
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Contact:
Website - https://www.brindleandbay.com/
214-988-9178
People say they don’t get a straight answer about fees. Investment fees are very misunderstood. In today’s episode, we walk through a practical guide to help you understand the different types of fees that you might be paying when it comes to an advisor and your investments.
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Contact:
Website - https://www.brindleandbay.com/
214-988-9178
We all know that life throws curveballs—whether it’s an unexpected medical bill, a job loss, or a surprise home repair. But are you truly prepared? How much should you have set aside? Where should you keep that money so it’s accessible when you need it most? And how does your emergency fund change as you move through different stages of life?
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Website - https://www.brindleandbay.com/
214-988-9178
Today's episode is part of a special series for our book club on Morgan Housel's The Psychology of Money. Tune in as we chat about the last few chapters of this book!
Today on the podcast we want to take a moment to answer a few listener questions. Tune in to see if they might be a few questions you’ve had yourself.
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Contact:
Website - https://www.brindleandbay.com/
214-988-9178
Today's episode is part of a special series for our book club on Morgan Housel's The Psychology of Money. Tune in as we chat about chapters 16 and 17, which focus on the knowing your own financial goals and avoiding comparison.
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Contact:
Website - https://www.brindleandbay.com/
214-988-9178
As election cycles heat up, everyone has questions about how their plan will fare during this time period. With all the political noise and speculation, it can be hard to know whether you should stay the course, adjust your strategy, or sit on the sidelines until things settle down. But here’s the thing: elections are a regular part of the investment landscape, and with the right mindset and strategy, you can navigate this period with confidence.
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Contact:
Website - https://www.brindleandbay.com/
214-988-9178
In this episode, we dive into the important questions that shape a personalized financial plan. While money and numbers often come to mind when thinking of financial planning, they're only part of the big picture. Let's talk about why understanding your goals, values, and mindset is pivotal in creating a plan that truly resonates with your life.
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Website - https://www.brindleandbay.com/
214-988-9178
Throughout your planning journey, you've likely heard of the "Go-Go," "Slow-Go," and "No-Go" years of retirement. However, in our experience with clients, we've discovered that there are additional phases within these broader categories—each with unique challenges and rewards. In this episode, we'll discuss these specific phases of retirement: the honeymoon phase, the settling-in phase, the healthcare phase, and the solo years.
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Website - https://www.brindleandbay.com/
214-988-9178
One of the biggest fears for pre-retirees is running out of money during retirement. So in today's episode, we're going to discuss five critical warning signs that your retirement plan might be at risk. From having too many debt repayments to having a poorly allocated portfolio, we’ll highlight the key areas you need to focus on to build a strong and resilient retirement plan.
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Website - https://www.brindleandbay.com/
214-988-9178
As many parents and grandparents know, financial responsibilities don't end when the kids move out of the house. From paying for cell phone bills and auto insurance to funding college educations, financial support often continues well into adulthood. But as your retirement years get closer, it’s essential to find a balance between supporting your family and securing your own financial future. In this episode, we'll walk through some common scenarios, and talk about how we help our clients find the right balance for their unique situations.
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Website - https://www.brindleandbay.com/
214-988-9178
Today's episode is part of a special series for our book club on Morgan Housel's The Psychology of Money. Tune in as we chat about chapters 14 and 15, which focus on the inevitability of change and the hidden costs associated with financial decisions.
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Website - https://www.brindleandbay.com/
214-988-9178
Today's episode is part of a special series for our book club on Morgan Housel's The Psychology of Money. This time, we're covering chapters 11-13. Tune in as we explore the intersection of rationality and emotion in financial decision-making.
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Website - https://www.brindleandbay.com/
214-988-9178
One of the best parts of our jobs is hearing about what our clients are doing or looking forward to in retirement. So, in today's episode, we're highlighting retirees from our office who inspire us! These retirees aren't just enjoying their freedom- they're thriving in ways that are truly inspirational. From transforming their health and wellness to pursuing lifelong dreams, we hope this conversation encourages you to live intentionally in your retirement years and beyond!
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Contact:
Website - https://www.brindleandbay.com/
214-988-9178
In recent years, the "magic number" for retirement has shifted from $1 million to $1.5 million. This change, based on a recent survey, has left many wondering if they need to adjust their retirement plans. In today's episode, we dive into this topic to uncover whether this new figure is truly necessary for a comfortable retirement.
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Contact:
Website - https://www.brindleandbay.com/
214-988-9178
Today's episode is part of a special series for our book club on Morgan Housel's The Psychology of Money. This week, we're covering chapters 9 and 10. Tune in as we share our insights and takeaways from these chapters that focused on the true nature of wealth and the importance of saving!
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Website - https://www.brindleandbay.com/
214-988-9178
Today's episode is part of a special series for our book club on Morgan Housel's The Psychology of Money. This week, we'll be tackling chapters 7 and 8. Join us as we dive into the concepts of finanical freedom, control, happiness, and more. These chapters had some awesome things to say about managing your finances and living a fulfilling life!
Mel Robbins' Podcast
https://www.melrobbins.com/podcast
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Website - https://www.brindleandbay.com/
214-988-9178
Would you rather have a $1 million lump sum, or get paid $5,000 per month in retirement forever? Common advice often solves this by asking the wrong question. In today's episode, we will take a more in-depth look.
Lump Sum Versus Monthly Video:
https://www.youtube.com/watch?v=QLeKmQ_kQHg&t=85s
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Contact:
Website - https://www.brindleandbay.com/
214-988-9178
As much as any other threat, recognizing and avoiding scams has become a necessary skill in today's world. Join us as we explore crucial steps you can take to safeguard your financial well-being against the growing tide of scams and identity theft. We'll share real-life stories and practical advice to spot red flags and identify scamming techniques before it's too late.
Links for this week's show
NordVPM
https://nordvpn.com/link-checker/
Internet Crime Complaint Center (IC3)
https://www.ic3.gov/
Federal Trade Commission
https://reportfraud.ftc.gov/#/
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Website - https://www.brindleandbay.com/
214-988-9178
We're looking forward to continuing our book club series for Morgan Housel's The Psychology of Money this week. This episode, we're diving into chapters 5 and 6, which cover themes of preserving wealth, adaptability, and consistency in financial planning. Stay tuned as we discuss the importance of staying invested during market fluctuations and embracing failure as part of the investment journey.
Check Out Our YouTube Channel: www.youtube.com/@brindleandbay
Contact:
Website - https://www.brindleandbay.com/
214-988-9178
Today's episode is part of a special series for our book club on Morgan Housel's The Psychology of Money. In our last episode, we dove into the first few chapters. This week, we'll be tackling chapters 3 and 4, which have some powerful takeaways on the importance of contentment, the impact of social comparison, and the power of compounding over time.
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Contact:
Website - https://www.brindleandbay.com/
214-988-9178
Welcome back to The Money Master podcast! Today's episode is part of a special series for our book club on Morgan Housel's The Psychology of Money. This is a fantastic read that we're so excited to dive into with you. Grab your copy of the book, or just sit back and enjoy the ride as we unpack the first few chapters!
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Contact:
Website - https://www.brindleandbay.com/
214-988-9178
We're excited to be joined by Derek Prusa, CFA, CFP®, in this week's episode. Derek is on our investment committee at Brindle and Bay, owns a private practice in Grand Rapids, Michigan, and is the face behind our monthly market videos. Listen in as we chat with Derek about some common investing misconceptions, the importance of a diversified portfolio, and even touch on the psychological side of investing.
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Contact:
Website - https://www.brindleandbay.com/
214-988-9178
To ring in the new year, we thought it would be fun to share some great books we've read that have shaped our lives and our thinking. We'll chat about our reading habits and share some recommendations for a range of genres, including self-help, fiction, health, and finance. If you've read any inspiring books recently, we'd love to hear from you! Drop a comment and share your recommendations or send us an email at hello@brindleandbay.com.
Check Out Our YouTube Channel: www.youtube.com/@brindleandbay
Contact:
Website - https://www.brindleandbay.com/
214-988-9178
There's been a lot of buzz around Social Security lately. Today, we're diving deep into the recent changes outlined in the Vision 2025 document. With Social Security's solvency a topic of concern, we'll break down the key updates and share how they could impact your retirement benefits.
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Contact:
Website - https://www.brindleandbay.com/
214-988-9178
In this special holiday episode, we're taking a break from our usual financial discussions to share some festive cheer. Tune in as we chat about the holiday season, sharing some of our favorite traditions, foods, and even some budget-friendly gift-giving ideas! Grab a cup of cocoa, cozy up by the fireplace, and join us as we reflect on the magic of the season. From the Brindle & Bay family to yours- wishing you a very, merry Christmas!
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Website - https://www.brindleandbay.com/
214-988-9178
For many of us, retirement is a monumental moment we've been contemplating for years. We think about the age we'll retire, the plans we'll make, and the life we'll lead post-retirement. So, have you ever wondered if there's an optimal time to retire during the year? Stay tuned as we explore some emotional and financial reasons to choose a particular day.
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Website - https://www.brindleandbay.com/
214-988-9178
Interestingly, a lot of people that meet with us in our office are surprised that we ask for their tax returns. In today's episode, we're going to discuss why it's uncommon for advisors to request clients' tax returns and highlight the significant impact taxes can have on your finances before and after retirement. Listen in as we talk about optimizing savings, navigating Roth conversions, avoiding the pitfalls of phantom taxes in retirement, and more!
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Website - https://www.brindleandbay.com/
214-988-9178
Artificial intelligence is a revolutionary tool that is reshaping our world. You've probably heard about ChatGPT and its widespread use for various tasks like information retrieval, content creation, and even test-taking. But can you use AI for retirement planning advice? Stay tuned as we dive into an article where artificial intelligence is pitted against a real financial advisor.
You can view the Fortune article here
Nick's video "Social Security Mistakes ChatGPT Got Wrong"
https://youtu.be/SB8CLbKa0Co?feature=shared
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Website - https://www.brindleandbay.com/
214-988-9178
Bonds have been a cornerstone of financial planning for years, but how well do you really understand them? In today's episode, we're diving deep into the world of bonds to explain how they fit into your financial portfolio. Tune in as we explore various types of bonds, reveal the risks associated with different kinds, and share the impact these factors can have on your investment portfolio.
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Website - https://www.brindleandbay.com/
214-988-9178
Are we on the brink of a retirement renaissance or stormy seas ahead? On this episode, we jump into the pressing issues of Social Security, healthcare, taxes, stock market trends, and long-term care. Whether you're an eternal optimist or cautious pessimist, this episode will equip you with perspectives to plan your retirement years with confidence as we ask the longstanding question, “Is the glass half full or half empty?"
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Website - https://www.brindleandbay.com/
214-988-9178
In this episode, we tackle the common complaints and fears about financial situations during retirement. We'll discuss which concerns are well-founded, which are based on misconceptions, and offer insight on how retirees can best navigate their financial future.
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Website - https://www.brindleandbay.com/
214-988-9178
As homeowners, we all know that paying down our mortgage decreases both debt and stress. But have you ever wondered if there's a better way to secure your financial future? Is being debt-free the ultimate goal, or should you prioritize saving for retirement instead? In this episode, we're going to break it down for you, weighing the pros and cons of both approaches.
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Website - https://www.brindleandbay.com/
214-988-9178
How much income one needs to retire is a piece of information that many people do not know. On today's show, we'll explore three possible approaches to calculating your retirement number and some important considerations for each of these methods.
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Website - https://www.brindleandbay.com/
214-988-9178
When going into retirement, many people decide to sell their current home and downsize. While there are many benefits to this, there are also a few things to consider, which we will discuss in this episode.
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Website - https://www.brindleandbay.com/
214-988-9178
In this episode, we discuss retirement surprises that new retirees often encounter and wish they had been told about beforehand. From adjusting to spending time together as a retired couple to finding fulfillment without work, we'll offer some tips and tricks for preparping for this life change and getting the most out of your retirement years.
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214-988-9178
Retirement is a big step to take and it's crucial that you're prepared when going into this next phase of life. On this episode, we'll cover 5 key considerations you should make before you retire and why getting these details ironed out is important when putting together a comprehensive retirement plan.
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214-988-9178
Welcome back to The Money Master podcast! In today's episode, we will be answering some listener questions that have recently come into the show. We will discuss what happens to your pension if your employer goes bankrupt, different account types you can save in for your grandchildren, if it's wise to sell a rental property before retirement, and more. Stay tuned to see what you can learn from these questions we've received!
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214-988-9178
In this episode, we will be discussing Brindle and Bay's planning principles. We use these principles every day in our practice and hope that some of these can help you in your financial journey.
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Website - https://www.brindleandbay.com/
214-988-9178
There is a lot of information out there surrounding investing for retirement. This can make somebody feel easily overwhelmed and hesitant when they need to start putting a plan together. On today's show, we will be discussing 6 retirement investing principles that we live by and why you may want to consider implementing them in your own retirement plan.
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214-988-9178
As you go along in retirement, there will come a point where you will have to take your RMD (Required Minimum Distribution) from your retirement accounts. Many people wonder if there is a "best" time to take these within the year. We will be discussing this question and some thoughts surrounding RMD strategies.
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214-988-9178
There are many general rules out there in the retirement world and it can be difficult to navigate which ones are still relevant in today’s environment. We will break down what the 4 percent rule is and why this rule may not be the best one to follow when it comes to retirement planning.
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214-988-9178
Diversification is a common term in the financial landscape, but what does this term actually mean? Today we will be covering the basics of diversification and why you may want to consider this strategy in your retirement portfolio.
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Website - https://www.brindleandbay.com/
214-988-9178
For some people, it’s time for spring cleaning, and that often means diving into a cluttered closet and getting it cleaned out and organized. On today's show, we’ll share what principles we can take from the concept of sping cleaning and see how we can apply it to our financial lives.
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Website - https://www.brindleandbay.com/
214-988-9178
Sometimes we can stand in the way of our own goals. This is no different when it comes to retirement planning. We will be discussing 5 bad habits that can dwindle down your retirement savings and how to combat them.
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214-988-9178
After being discussed in Congress for nearly a year and a half, the SECURE Act 2.0 has been passed. Let’s see what we need to know.
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Website - https://www.brindleandbay.com/
214-988-9178
Tax planning can have a massive impact on your retirement plan and can help you save money in the long term. Some of these strategies need to be carefully planned and carried out over the next several years. We will discuss the top 3 ways you might be able to reduce your taxes on your social security benefit on today's episode.
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Website - https://www.brindleandbay.com/
214-988-9178
Even if she wasn’t directly talking about money, Grandma said a lot of smart things that we can apply to financial planning. Let’s take some classic Grandma sayings and see how they relate to our financial lives.
YouTube Video: https://www.youtube.com/watch?v=PjbDzQT6f60&t=99s
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Website - https://www.brindleandbay.com/
YouTube Channel: www.youtube.com/@brindleandbay
214-988-9178
When saving for retirement, it is important to know what types of accounts you are saving in and if they are the most effective ones to help you reach your goals. On thie episode, we discuss what the different types of accounts are, what they are effective at, and why this is an important consideration for you retirement plan.
YouTube Video: https://www.youtube.com/watch?v=PjbDzQT6f60&t=99s
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Website - https://www.brindleandbay.com/
YouTube Channel: www.youtube.com/@brindleandbay
214-988-9178
Social Security is one of the main pillars of retirement planning. However, many people do not realize how their benefit gets calculated. You need to have a plan when it comes to taking your Social Security and know how it will fit into your overall retirement picture.
Social Security Login: https://www.ssa.gov/myaccount/
9 Questions To Ask Episode: https://nickdavis.libsyn.com/ep-30-9-questions-to-ask-before-taking-social-security
Social Security PDF: https://www.ssa.gov/pubs/EN-05-10069.pdf
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YouTube Channel: https://www.youtube.com/channel/UCQokhvodpFrGKn3S_4hwPaA/featured
214-988-9178
There are plenty of decisions that you’ll make in the retirement planning process that can’t be undone, so you want to make sure that you make the right call. On this episode, we’ll explain why these decisions are so important and can’t be undone.
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Website - https://www.brindleandbay.com/
214-988-9178
There are plenty of decisions that you’ll make in the retirement planning process that can’t be undone, so you want to make sure that you make the right call. On this episode, we’ll explain why these decisions are so important and can’t be undone.
Contact:
Website - https://www.brindleandbay.com/
214-988-9178
One of the biggest challenges when planning for retirement is figuring out a stategy that will allow you to turn your nest egg into income. There are 2 main methods financial planners use to achieve this goal. We will be discussing both of these methods and the variations that you may come across on this episode.
Contact:
Website - https://www.brindleandbay.com/
214-988-9178
One of the biggest challenges when planning for retirement is figuring out a stategy that will allow you to turn your nest egg into income. There are 2 main methods financial planners use to achieve this goal. We will be discussing both of these methods and the variations that you may come across on this episode.
Contact:
Website - https://www.brindleandbay.com/
214-988-9178
Social Security is one of the most complex retirement planning topics. There are multiple ways to file, everyone will receive a different amount, and there is a lot of misinformation about this topic. If you make a mistake, it can be very costly, which is why Nick and Tori will address a few social security considerations you should make on the podcast today.
Contact:
Website - https://www.brindleandbay.com/
214-988-9178
Social Security is one of the most complex retirement planning topics. There are multiple ways to file, everyone will receive a different amount, and there is a lot of misinformation about this topic. If you make a mistake, it can be very costly, which is why Nick and Tori will address a few social security considerations you should make on the podcast today.
Contact:
Website - https://www.brindleandbay.com/
214-988-9178
Social Security can be one of the most confusing aspects of retirement planning. There are countless claiming strategies and it can be difficult to know which ones can be advantageous for your situation. We will discuss if you should work and take Social Security and when it might make sense to utilize this strategy.
Contact:
Website - https://www.brindleandbay.com/
214-988-9178
There are a lot of considerations when making the decision to retire early. Many people just want to work to a certain age, or dollar amount to make them feel better about their retirement. However, if this opportunity has presented itself to you, you may want to act on it. Even if it's a little sooner than you had originally anticipated.
Contact:
Website - https://www.brindleandbay.com/
214-988-9178
We invite a special guest on the show Tori Ten Hagen. Tori currently serves as a Member Experience Associate on the Brindle and Bay team and is working towards getting her CFP. On this show, we will be discussing if it's a good idea to have 3 years worth of cash when you are in retirement. Since the market is down, many people are worried about losing their money and many believe having a good portion of their portfolio in cash is the only option. We will also be discussing sequence of returns risk and how this can greatly impact your retirement if not planned properly.
Michael Kitces Article: https://bit.ly/3zehxv6
Contact:
Website - https://www.brindleandbay.com/
214-988-9178
Rising interest rates and inflation are two topics that are a big concern right now in the financial landscape. We thought this would be a great time to go over these big topics and also discuss what concerns our members have brought up in regards to these subjects as well.
Contact:
Website - https://www.brindleandbay.com/
214-988-9178
The financial world is filled with a lot of terms that can make it difficult for many people to navigate. On this show, we'll be discussing the differences between an advisor and a planner. We hope that this can help clear up any confusion you may have had with these two terms.
Contact:
Website - https://www.brindleandbay.com/
214-988-9178
It does seem like anyone can call themselves a financial advisor these days. So how can you sort through the different levels of qualification in the industry? On this episode, we’ll try to explain some of the most common designations you’ll encounter on your financial planning journey.
Contact:
Website - https://www.brindleandbay.com/
214-988-9178
When it comes to your money, you might have several different voices in your head—maybe the voice of greed, or the voice of fear, and sometimes the voice of wisdom. Let’s look at some things we might hear from the voice of greed so you know how to recognize it when you hear it.
Contact:
Website - https://www.brindleandbay.com/
214-988-9178
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. 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.
Contact:
Website - https://www.brindleandbay.com/
214-988-9178
We all should realize that planning for retirement is relatively complex. There are a lot of different moving parts and factors to consider. Adjusting any of these variables can impact the end result. But is there one part of the retirement planning process that’s most important? We’ve assembled several opinions on the topic from across the internet. Let’s see if the advice hits the mark or needs further exploration.
Contact:
Website - https://www.brindleandbay.com/
214-988-9178
To kick off the new year, we answer some listener questions that have come into the show. We will discuss the concept of phased retirement, what perctange of your income you should put away to retire on, and considerations you should take into account if you want to retire early.
Contact:
Website - https://www.brindleandbay.com/
214-988-9178
You might not be able to follow through on all 22 of these resolutions, but implement even just a few of these and you’ll be well on your way to a more prosperous financial life in the coming year.
Contact:
Website - https://www.brindleandbay.com/
214-988-9178
We see a lot of people who aren’t getting the kind of advice and service from their financial advisor that they should be. In a lot of cases, the advisor is only “managing the investments,” but not providing guidance in other areas. Let’s talk about some of the things that your advisor should be doing.
Contact:
Website - https://www.brindleandbay.com/
214-988-9178
To successfully complete a jigsaw puzzle, there are some strategies that you’ll want to keep in mind. And many of those same strategies apply to retirement planning.
Contact:
Website - https://www.brindleandbay.com/
214-988-9178
There’s an old quote that says, “Age is the price of wisdom.” Let’s talk about how that applies to the financial world.
Contact:
Website - https://www.brindleandbay.com/
214-988-9178
On this episode, we will answer some mailbag questions that have come in from our listeners. We will discuss different investment strategies, buliding a retirement plan with an age gap, and robo advisors.
Contact:
Website - https://www.brindleandbay.com/
214-988-9178
The SECURE Act became law at the beginning of 2020 and created some significant differences in how people should plan for retirement. And while it’s not law yet, there’s a SECURE Act 2.0 on the horizon that could very likely become law before the end of the year. Let’s talk about some of the provisions and why they could be important.
Contact:
Website - https://www.brindleandbay.com/
214-988-9178
The world is stressful. Let’s take a small break from it with some goofy financial planning and financial advisor jokes and see what kinds of lessons we can learn from them. If you have any questions, don't hesitate to reach out.
Contact:
Website - https://www.brindleandbay.com/
214-988-9178
So much focus in the financial world revolves around accumulating money. There’s all sorts of advice, how- to guides and guardrails in place when it comes to saving and investing, but a lot less resources out there to help retirees navigate the period of time after retirement. This is known as decumulation, the spending down and managing of the assets you’ve accumulated through your life. And on this episode, we’ll point at (at least) 5 things you must know about decumulation to retire successfully.
If you have any questions, don't hesitate to reach out.
Contact:
Website - https://www.brindleandbay.com/
214-988-9178
Before you can effectively put together a retirement income plan, it’s important to understand your own tendencies for spending. Let’s explore the different personalities.
If you have any questions, don't hesitate to reach out.
Contact:
Website - https://www.brindleandbay.com/
214-988-9178
Lumber prices have skyrocketed in the last year and many people are blaming inflation for the spike. However, there are other factors that have contributed to the high price. We'll discuss a few of these facotrs and when we might see the price level out again.
If you have any questions, don't hesitate to reach out.
Contact:
Website - https://www.brindleandbay.com/
214-988-9178
Sometimes talking about life insurance can be an uncomfortable conversation, but it doesn't mean you should avoid it. Nick and Connie talk about whether retirees need to have a life insurance plan in place, and the benefits it provides.
If you have any questions, don't hesitate to reach out.
Contact:
Website - https://www.brindleandbay.com/
214-988-9178
It makes sense that the way we plan for retirement is largely influenced by what we think retirement is like or all about. So, let’s take a look at how various people across the US describe retirement and see how that might shape the retirement planning process.
MIT Study: https://bit.ly/3oiy6jx
If you have any questions, don't hesitate to reach out.
Contact:
Website - https://www.brindleandbay.com/
214-988-9178
Many financial circumstances that you’ll find yourself in have both positive and negative aspects. Decisions that you can make have both good and bad consequences. Or as Sir Isaac Newton put it: ”For every action, there is an equal and opposite reaction.”
If you have any questions, don't hesitate to reach out.
Contact:
Website - https://www.brindleandbay.com/
214-988-9178
Let’s talk about some of the areas of your financial life where you might be flirting with disaster and don’t even know it on today's show.
If you have any questions, don't hesitate to reach out.
Contact:
Website - https://www.brindleandbay.com/
214-988-9178
On today's show, Connie and Nick discuss some of the 15 minute phone call topics that they have recently had with clients and listeners. They'll talk about leaving behind a 401(k) to a child, the future of inflation rates, and much more.
If you have any questions, don't hesitate to reach out.
Contact:
Website - https://www.brindleandbay.com/
214-988-9178
We often see people making certain assumptions about retirement that just aren’t correct. Let’s explore some of those on today's show.
If you have any questions, don't hesitate to reach out.
Contact:
Website - https://www.brindleandbay.com/
214-988-9178
While the rules of money seem simple, understanding the qualities and limitations of different investments is really important. Nick and Connie break down the different qualities of money and how each one can affect your financial plan.
If you have any questions, don't hesitate to reach out.
Contact:
Website - https://www.brindleandbay.com/
214-988-9178
Social Security is certainly a hot topic in the financial industry. There are countless articles on this subject and it can be difficult to know what is misinformation. This is one of the most imperative decisions in retirement planning, so Nick & Connie dedicate today's show to reasons why someone may consider taking Social Security early and why others might want to wait.
If you have any questions, don't hesitate to reach out.
Contact:
Website - https://www.brindleandbay.com/
214-988-9178
Nick poses the question that he asks all clients when he sits down with them for the first time. He and Connie also discuss many of the different lifestyles they've seen clients take on post-retirement. Have you thought about what hobbies or responsibilities you'll take on to keep yourself busy in retirement? Nick & Connie will share some of their favorite ideas.
If you have any questions, don't hesitate to reach out.
Contact:
Website - https://www.brindleandbay.com/
214-988-9178
This episode, Nick and Connie Davis introduce themselves as well as answer a few questions about their work and what's important to them in the financial advising world. They'll also explain the current transition of the company name to Brindle & Bay. They welcome you to join them as they share their knowledge about the industry and how they can help you retire the way you want to.
If you have any questions, don't hesitate to reach out.
Contact:
Website - https://www.brindleandbay.com/
214-988-9178