Money Guide with Mary Sterk: Recent Episodes
Mary Sterk
What happens when your pension goes away? Scary topic, isn't it? In this episode, we talk about what's actually happening when the pension terminates, what you should expect as an employee, what actions you should be taking and what common mistakes you should avoid.
Feat Mary Sterk & Jordan Ireland
Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/
ForbesAwardWinner #WealthManagement #EstatePlanning
We keep our "stuff" in so many places - in files, in a safe, online, or at the bank safety deposit box. How can you keep them all straight? In this episode, we share ways to keep yourself organized with a Personal Document Locator.
Feat Mary Sterk & Julie Chadwick
Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/
ForbesAwardWinner #WealthManagement #EstatePlanning
Ever wished you had answers to your financial questions? In this episode, we share some of the most commonly asked questions …and the answers you have been dying to know!
Feat Mary Sterk & Kelsey Bankey
Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/
ForbesAwardWinner #WealthManagement #EstatePlanning
Jordan IrelandSubscribe to the #MoneyGuidewithMarySterk on apple podcasts: https://tinyurl.com/3x65ejdm #forbes #financialplanner #wealthmanagement #sterkfinancialservicesSchedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
Julie ChadwickSubscribe to the #MoneyGuidewithMarySterk on apple podcasts: https://tinyurl.com/3x65ejdm #forbes #financialplanner #wealthmanagement #sterkfinancialservicesSchedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
Kelsey BankeySubscribe to the #MoneyGuidewithMarySterk on apple podcasts: https://tinyurl.com/3x65ejdm #forbes #financialplanner #wealthmanagement #sterkfinancialservicesSchedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
Julie ChadwickSubscribe to the #MoneyGuidewithMarySterk on apple podcasts: https://tinyurl.com/3x65ejdm #forbes #financialplanner #wealthmanagement #sterkfinancialservicesSchedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
Kelsey Bankey#dansullivan #financegoals #emergencyfund #fiscalresponsibility #retirement #risktolerance #conservative #lottery #ruleofthirds #savings #401k #getawayfund #fiduciary Subscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
Kelsey BankeySubscribe to the #MoneyGuidewithMarySterk on apple podcasts: https://tinyurl.com/3x65ejdm #forbes #financialplanner #wealthmanagement #sterkfinancialservicesSchedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
Julie ChadwickSubscribe to the #MoneyGuidewithMarySterk on apple podcasts: https://tinyurl.com/3x65ejdm #forbes #financialplanner #wealthmanagement #sterkfinancialservicesSchedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
Kelsey BankeySubscribe to the #MoneyGuidewithMarySterk on apple podcasts: https://tinyurl.com/3x65ejdm #forbes #financialplanner #wealthmanagement #sterkfinancialservicesSchedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
In this episode of our Big Beautiful Bill podcasts, we discuss how the new estate laws inside the #onebigbeautifulbill apply to our listeners. Subscribe to the #MoneyGuidewithMarySterk on apple podcasts: https://tinyurl.com/3x65ejdm #forbes #financialplanner #wealthmanagement #sterkfinancialservicesSchedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
Jordan IrelandSubscribe to the #MoneyGuidewithMarySterk on apple podcasts: https://tinyurl.com/3x65ejdm #forbes #financialplanner #wealthmanagement #sterkfinancialservicesSchedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
Julie ChadwickSubscribe to #MoneyGuidewithMarySterk on apple podcasts: https://tinyurl.com/3x65ejdm #forbes #financialplanner #wealthmanagement #sterkfinancialservicesSchedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
There have been a lot of tax changes as a result of the #bigbeautifulbill and things don't all take effect at the same time. In this episode, we break down some of the most basic and important things that will affect our clients on a day-to-day basis and we hope you come away with some very valuable knowledge! Subscribe to the #MoneyGuidewithMarySterk on apple podcasts: https://tinyurl.com/3x65ejdm #forbes #financialplanner #wealthmanagement #sterkfinancialservicesSchedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
Julie Chadwick#moneyguidewithmarysterk #moneyguidewithmarysterk #forbes #financialplanner #wealthmanagement #sterkfinancialservicesSubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
Have you ever wondered what the rich people know about money that you don't? In this episode, we shine some light on tips to build and maintain #wealth.Subscribe to the #MoneyGuidewithMarySterk on apple podcasts: https://tinyurl.com/3x65ejdm #forbes #financialplanner #wealthmanagement #sterkfinancialservicesSchedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
Julie ChadwickSubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
Julie Chadwick#forbes #financialplanner #wealthmanagement #sterkfinancialservicesSubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
Kelsey BankeySubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
Kelsey Bankey#forbes #financialplanner #wealthmanagement #sterkfinancialservicesSubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
Many people think you need to win the #lottery or get crazy lucky to become a #millionaire. In this episode of #MoneyGuidewithMarySterk, we debunk some common #myths about how #millionaires are made. #everydaymillionaire #chrishogan #401k #riskyinvestment #investing #stockmarket #assetallocation #trustfundbaby #inheritance #ruleofthirds #debtFeat Mary Sterk & Julie Chadwick Subscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
We all hear about costs rising, but did you know there are 5 specific expenses that actually decrease or go away entirely in #retirement? In this episode of #MoneyGuidewithMarySterk, we shed some light on key #expenses you WON'T have to keep planning for.#inflation #costofliving #payroll #payrolltaxes #socialsecurity #medicare #assets #income #selfemployed #businessowner #commuting #starbucks #wardrobe #apparel #clothing #accessories #disability #lifeinsurance #incomegap #incomestream #investmentsFeat Mary SterkSubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
Entrepreneurs are known for taking #business #risk, but are they putting their portfolios at risk, too? In this episode of #MoneyGuidewithMarySterk, we share some #moneymistakes entrepreneurs make and how to avoid them!Feat Mary Sterk & Kelsey Bankey#ruleofthirds #profit #diversification #DIY #portfolio #fiduciary #interestrates #bonds #peergroup #portfoliomanagement #flawofaveragesSubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
White sand, sunny beach… early #retirement? If that's your ideal life, you wont' want to miss this episode of #MoneyGuidewithMarySterk as we share these important must-know #earlyretirement tips!#entrepreneur #invest #profit #taxes #fees #budget #mortgage #studentloans #taxbreak #401k #wealth #debt #emotions Feat Mary Sterk & Kelsey BankeySubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
Caring for an #aging #parent presents loving opportunities, but also can bring difficult challenges as you transition towards handling their #finances. In this episode of #MoneyGuidewithMarySterk, we discuss various strategies to assist your aging #parents with their finances - everything from bill paying to structuring #investments to #nursinghome decisions. Listen in to help take the complexity and uncertainty out of parent care and move forward with clarity and confidence.#caregiver #cashflow #socialsecurity #medication #healthcare #powerofattorney #hospice #medicare #medicadeFeat Mary Sterk & Kelsey BankeySubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
Ever wondered what the wise #investors already know? In this episode of #MoneyGuidewithMarySterk, we share some wisdom of the ages surrounding #investing and #saving.#risk #moneymarket #savingsaccount #financialplanner #timehorizon #modernportfolio #emergencyfund #downpayment #income #jobloss #workplaceretirement #401k #rothira #retirement #fiveyearclock #freemoney #taxfreemoney #conversion #pretaxira #taxes #penalty #financialadvisor #cpa #brokerageaccount #timingthemarket #compoundinterest Feat Mary Sterk & Julie ChadwickSubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
When it comes right down to it, #retirementplanning follows some basic fundamental principles. In this episode of #MoneyGuidewithMarySterk, we detail out 10 #commandments of #retirement.#ruleofthirds #debt #tencommandments #savings #taxes #taxbracket #investments #ROTHIRA #municipalbonds #401k #cobra #healthcare #healthinsurance #medicare #income #longtermcare #alzheimers #retirementplan #socialsecurity #estateplanning #powerofattorney Feat Mary Sterk & Julie ChadwickSubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
So you have 1 Million Dollars - but does that mean you can #retire? In this episode of #MoneyGuidewithMarySterk, we share important strategies to make sure your million doesn’t run out too soon.#austinpowers #retirement #montecarlosimulation #fourpercentrule #retirementplanning #sequenceofreturnsrisk #downmarket #chrysler #corvette #squaredancing #singersewingmachine Feat Mary Sterk & Julie ChadwickSubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
Your 40s are a very important time in your financial journey, where you want to make sure your #investments are on track for your long-term goals. One important tip to keep in mind is to not let your #emotions drive your #investment decisions. While it might be tempting to jump on the latest #trend or let fear guide you during a downturn, it's important to stay level-headed and consider your long-term goals. #moneyinaminute #forbes #financialplanner #investing #fiduciary #wealthmanagement #estateplanning #financialadvisor #highnetworth #financegoals #investmentmanagement #moneyguidewithmarysterk #sterkfinancialservicesFeat Karen Van De SteegSubscribe! youtube.com/@sterkfinancialservicesSchedule an appointment with one of our advisors today! sterkfinancialservices.com
Without a will, your #estate may be subject to state laws, which can result in your #assets being distributed in a way that you did not intend. A will can also help avoid ugly family disputes and potential legal issues. #moneyinaminute #forbes #financialplanner #investing #fiduciary #wealthmanagement #estateplanning #financialadvisor #highnetworth #financegoals #investmentmanagement #moneyguidewithmarysterk #sterkfinancialservicesFeat Kelsey BankeySubscribe! youtube.com/@sterkfinancialservicesSchedule an appointment with one of our advisors today! sterkfinancialservices.com
Investing mistakes compound in times of #marketvolatility, and people frequently make uneducated decisions about #investment choices. #WarrenBuffet has always cautioned against investing in businesses that you don't understand. You need to understand the #risk and the reward potential. You need to understand the #fees and expenses of the investment. If you make an uneducated decision, not only can it hurt your #portfolio, but in times of uncertainty, it can hurt it more than it normally would have.#moneyinaminute #forbes #financialplanner #investing #fiduciary #wealthmanagement #estateplanning #financialadvisor #highnetworth #financegoals #investmentmanagement #moneyguidewithmarysterk #sterkfinancialservicesFeat Julie ChadwickSubscribe! youtube.com/@sterkfinancialservicesSchedule an appointment with one of our advisors today! sterkfinancialservices.com
There are certain accounts that contribute to a person's #financial success. In this episode of #MoneyGuidewithMarySterk, we discuss the 6 #accounts everyone should have.#FDIC #checkingaccount #checksandbalances #bills #personalfinance #budget #emergencyfund #savingsaccount #expenses #creditcards #credit #creditscore #creditlimit #identitytheft #retirement #retirementaccount #socialsecurity #ROTHIRA #brokerageaccount #HSA #medicalexpenses Feat Mary Sterk & Julie ChadwickSubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
Ever wonder what the best way to use your #HSA is? In this episode of #MoneyGuidewithMarySterk, we cover the must-know details surrounding when and how to best use your #healthsavingsaccount.#savingsaccount #healthinsurance #deductible #healthcare #expenses #incometax #taxcode #prescription #lasik #dentalcare #teethwhitening #braces #extraction #hearingimpaired #guidedog #serviceanimals #chiropractor #infertility #accupuncture #addictionrecovery #rehabilitation #mentalhealth #therapy #transportation #travel Feat Mary Sterk & Kelsey BankeySubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
By the time you’re in your 30s, many of us have started our careers, and perhaps even started families. This is also the time to think ahead and plan for the future. Here are some steps to make the most of your #investments. #financialplan #debt #emergencyfund #retirement #credit #moneyinaminute #forbes #financialplanner #investing #fiduciary #wealthmanagement #estateplanning #financialadvisor #highnetworth #financegoals #investmentmanagement #moneyguidewithmarysterk #sterkfinancialservicesFeat Karen Van De SteegSubscribe! youtube.com/@sterkfinancialservicesSchedule an appointment with one of our advisors today! sterkfinancialservices.com
MothersDay gives us a chance to celebrate our #moms and consider the fine #financiallessons they have taught us. In this episode of #MoneyGuidewithMarySterk, we share some of the great lessons we learned from our #Mothers, and some of the things we felt were most valuable to pass down to our own children.#repurposing #garagesales #macdonalds #bargain #iowastatefair #beneficiaries #retirement Feat Mary Sterk & Kelsey BankeySubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
Have a $500,000 + portfolio? In this episode of #MoneyGuidewithMarySterk, we share some must-know tips that you won't want to miss!#portfolio #taxes #RothIRA #taxlossharvesting #ETF #capitalgains #investments #liquidity #accreditedinvestors #sequenceofreturns #risk Feat Mary Sterk & Kelsey BankeySubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
Many people would love to #retire early, but aren’t quite sure how to set things up to do so. In this episode of #MoneyGuidewithMarySterk, we share 10 tips to retire early#vacation #savings #assets #income #paycheck #wealth #401k #IRA #IRS #investments #socialsecurity #equity #discipline Feat Mary Sterk & Julie ChadwickSubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
TaylorSwift is known for being quite savvy with her money - here are some lessons we can learn from her experiences. #recordlabel #recordings #albums #contracts #brandpartnerships #endorsements #collaborations #albumsales #tours #merchandise #investments#moneyinaminute #forbes #financialplanner #investing #fiduciary #wealthmanagement #estateplanning #financialadvisor #highnetworth #financegoals #investmentmanagement #moneyguidewithmarysterk #sterkfinancialservicesFeat Jordan IrelandSubscribe! youtube.com/@sterkfinancialservicesSchedule an appointment with one of our advisors today! sterkfinancialservices.com
The #money issues your grandparents faced have changed. In this episode of #MoneyGuidewithMarySterk, we share #moneyproblems from the past, and modern day solutions you can apply today.#pension #socialsecurity #income #costofliving #wages #expenses #housing #mortgage #retirement #carpayments #budget #budgeting #identitytheft #healthcare #healthsavingsaccount #debt #creditcards #creditcarddebt Feat Mary Sterk & Julie ChadwickSubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
In this episode of #MoneyinaMinute, Mary Sterk tells her story of “Welfare to Wealth Management” and answers the question you may be wondering: What is a CFP®?#welfare #foodstamps #lowincomehousing #CFP #moneyinaminute #forbes #financialplanner #investing #fiduciary #wealthmanagement #estateplanning #financialadvisor #highnetworth #retirement #401k #retirementplanning #assetmanagement #socialsecurity #moneytips #personalfinance #rothira #debt #financegoals #investmentmanagement #moneyguidewithmarysterk #sterkfinancialservicesFeat Mary SterkSubscribe! youtube.com/@sterkfinancialservicesSchedule an appointment with one of our advisors today! sterkfinancialservices.com
One of the greatest lessons that we can take from #celebrity money mistakes is this: Don’t keep your will in a secret location. #FloJo #Olympics #Beneficiaries#moneyinaminute #forbes #financialplanner #investing #fiduciary #wealthmanagement #estateplanning #financialadvisor #highnetworth #retirement #401k #retirementplanning #assetmanagement #socialsecurity #moneytips #personalfinance #rothira #debt #financegoals #investmentmanagement #moneyguidewithmarysterk #sterkfinancialservicesFeat Julie ChadwickSubscribe! youtube.com/@sterkfinancialservicesSchedule an appointment with one of our advisors today! sterkfinancialservices.com
Ever wonder what creates personal financial success? In this episode of #MoneyGuidewithMarySterk, we share 3 critical #metrics that financially successful people pay attention to.#cashflow #income #overspending #savings #christmas #holidayspending #holidayshopping #taxrefund #starbucks #incomegap #retirement #paycheck #debt #assets #networth Feat Mary Sterk & Kelsey BankeySubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
Let’s kick your year off with a simple financial approach designed to last the year!#accountant #CPA #taxes #budget #debt #powerofattorney #moneyinaminute #forbes #financialplanner #investing #fiduciary #wealthmanagement #estateplanning #financialadvisor #highnetworth #retirement #401k #retirementplanning #assetmanagement #socialsecurity #moneytips #personalfinance #rothira #debt #financegoals #investmentmanagement #moneyguidewithmarysterk #sterkfinancialservicesFeat Mary SterkSubscribe! youtube.com/@sterkfinancialservicesSchedule an appointment with one of our advisors today! sterkfinancialservices.com
We all want to live in a better world. Is #impactinvesting the way to go? In this episode of #MoneyGuidewithMarySterk, we share tips and strategies so you know if impact #investing is right for you.#sociallyresponsible #quakers #methodist #esginvesting #environmental #investments #portfolio #morals #ethical #globaleconomy #energyconsumption #economy #sustainability #sdggoals #poverty #zerohunger #cleanwater #sanitation #genderequality Feat Mary Sterk & Kelsey BankeySubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
The #NewYear is a great time to overhaul your financial life for the better, and one excellent place to start is by making good financial #resolutions. In this episode of #MoneyGuidewithMarySterk," we share 7 smart #newyearsresolutions to get your 2025 off to a great start! #organization #Savings #Debt #Retirement #CreditScore #IdentityTheft #PowerofAttorney #newyearnewyou #income #debtsnowball #daveramsey #spreadsheet #coach #accountability #financialbook #dietcoke #budget #portfolio #skew #procrastination #estateplanning #assets #legaldocuments Feat Mary Sterk & Kelsey BankeySubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
It's time to jump-start 2025! In this episode of #MoneyGuidewithMarySterk, we share smart #resolutions for you to think about the year ahead and improve yourself from a financial standpoint. #newyear2025 #newyearsresolution #CreditScore #EmergencyFund #Savings #Beneficiaries #PerStirpes #Will #TestamentaryTrust #PowerofAttorneyFeat Mary Sterk & Julie ChadwickSubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
The #NewYear is here and 34% of #resolutions are financial-related. But here's the thing: only 39% of people in their twenties achieve their resolutions each year. If you're over 50, only 14% achieve their resolutions. Having somebody hold you accountable does improve your success rate. Here are some financial resolutions to consider.Feat Karen Van De Steeg#creditscore #newyearsresolutions#moneyinaminute #forbes #financialplanner #investing #fiduciary #wealthmanagement #estateplanning #financialadvisor #highnetworth #retirement #401k #retirementplanning #assetmanagement #socialsecurity #moneytips #personalfinance #rothira #debt #financegoals #investmentmanagement #moneyguidewithmarysterk #sterkfinancialservicesSubscribe! youtube.com/@sterkfinancialservicesSchedule an appointment with one of our advisors today! sterkfinancialservices.com
We’re here to give you some #Holiday #spending tips. And who do we tend to overspend on? Our kids and grandkids!Feat Mary Sterk#holidayshopping #budget #shopping #impulsebuying#moneyinaminute #forbes #financialplanner #investing #fiduciary #wealthmanagement #estateplanning #financialadvisor #highnetworth #retirement #401k #retirementplanning #assetmanagement #socialsecurity #moneytips #personalfinance #rothira #debt #financegoals #investmentmanagement #moneyguidewithmarysterk #sterkfinancialservicesSubscribe! youtube.com/@sterkfinancialservicesSchedule an appointment with one of our advisors today! sterkfinancialservices.com
If you go #holiday #shopping without a plan, you're going to risk #spending too much. Having a plan is a key piece of relieving holiday #stress. Feat Karen Van De Steeg#holidayshopping #holidays #moneyinaminute #forbes #financialplanner #investing #fiduciary #wealthmanagement #estateplanning #financialadvisor #highnetworth #retirement #401k #retirementplanning #assetmanagement #socialsecurity #moneytips #personalfinance #rothira #debt #financegoals #investmentmanagement #moneyguidewithmarysterk #sterkfinancialservicesSubscribe! youtube.com/@sterkfinancialservicesSchedule an appointment with one of our advisors today! sterkfinancialservices.com
Investors often make their worst mistakes during uncertain times. Here are five key principles for investing in an election year. Feat Jordan Ireland#ElectionYear #InvestingTips #politics #economy #market #moneyinaminute #forbes #financialplanner #investing #fiduciary #wealthmanagement #estateplanning #financialadvisor #highnetworth #retirement #401k #retirementplanning #assetmanagement #socialsecurity #moneytips #personalfinance #rothira #debt #financegoals #investmentmanagement #moneyguidewithmarysterk #sterkfinancialservicesSubscribe! youtube.com/@sterkfinancialservicesSchedule an appointment with one of our advisors today! sterkfinancialservices.com
According to #USNews, the S&P 500 has not declined during a #presidential re-election year since 1952 and has averaged a 12.2% annual gain in re-election years. These studies also show there is negligible difference in the #market between which party wins.Feat Kelsey Bankey#ElectionYear #InvestingTips #politics #moneyinaminute #forbes #financialplanner #investing #fiduciary #wealthmanagement #estateplanning #financialadvisor #highnetworth #retirement #401k #retirementplanning #assetmanagement #socialsecurity #moneytips #personalfinance #rothira #debt #financegoals #investmentmanagement #moneyguidewithmarysterk #sterkfinancialservicesSubscribe! youtube.com/@sterkfinancialservicesSchedule an appointment with one of our advisors today! sterkfinancialservices.com
Understanding all aspects of your #financial life is crucial to becoming confident about #money. But often, we’re too embarrassed or uncomfortable to talk about money openly. In this episode of #MoneyGuidewithMarySterk, we shed light on the top 10 most embarrassing money topics - and how to start communicating about them.#taboo #spending #keepingupwiththejoneses #debt #redflag #creditcards #401k #spendinghabits #cashflow #debtsnowball #loan #death #personalfinance #politics #creditscore #studentloans #highereducation #savings #emergencyfund #retirement Feat. Mary Sterk & Julie ChadwickSubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
What is that old stuff worth? In this episode of #MoneyGuidewithMarySterk, we share some fun #financial lessons learned from the popular TV show #AmericanPickers.#roadtrip #retirement #collections #memories #collectors #antiques #emotions #supplementalincome #antiquing #selling #inventory #buying #profit #networking #toys #keepsakes #valuables #thriftstore Feat. Mary Sterk & Kelsey BankeySubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
There are lots of Rules Of Thumb - but which ones make sense for you? In this episode of #MoneyGuidewithMarySterk, we share some #Retirement Rules of Thumb worth paying attention to!#retirementplanning #savings #risk #socialsecurity #probability #inflation #ruleof72 #interestrates #lifeinsurance #salary #benefits Feat Mary Sterk & Julie ChadwickSubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
If you could achieve all of your financial dreams just by snapping your fingers and saving a few dollars, life would be very simple! But since things are a bit more complex, you may need a #financialplanner to help guide you along the way. In this episode of #MoneyGuidewithMarySterk, we share the most common times people need the services of a planner and how that can benefit you.#401k #investments #severance #married #wedding #socialsecurity #divorce #assets #retirement #sequenceofreturns #visionboard #goals #legacy #will #powerofattorney #medical #charitableFeat. Mary Sterk & Julie Chadwick Subscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
When you love someone that has a #brain disease, you may find yourself in a #caregiver role both for #health and #finance. In this episode of #MoneyGuidewithMarySterk, we share ways to spot the need to offer assistance and what you can do to help with the #finances.#braindisease #braindisorders #memoryloss #cashflow #bills #budget #income #expenses #socialsecurity #doctors #prescriptions #benfits #pension #mood #mooddisorder #suspicion #assets #estateplanning #aging Feat. Mary Sterk & Kelsey BankeySubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
So you think you have your retirement #budget all planned out...Think again! In this episode of #MoneyGuidewithMarySterk, we share some surprising #retirement #expenses that you might not know about.#socialsecurity #medicare #IRA #RMD #charity #401k #taxes #healthcare #longtermcare Feat. Mary Sterk & Julie ChadwickSubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
You have heard the story a dozen times - former #lottery winner now is dead broke. Why does this happen? There are some reasons that seem to repeat themselves, and some strategies that you can use to avoid having this happen. If you have inherited money, won the lottery, or simply have some type of windfall money, this episode is for you! Listen in to this episode of #MoneyGuidewithMarySterk as we share common reasons why this occurs and how to prevent the loss of your #windfall #money!#taxes #attorney #CPA #gifts #family #propertytaxes #inheritance #charity #ruleofthirds #retirement #debt Feat Mary Sterk & Kelsey BankeySubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
Long-Term Care #Insurance can be both confusing and costly. In this episode of #MoneyGuidewithMarySterk, we will eliminate the complexity. Listen as we explain in simple terms how typical policies work, and how to compare pros and cons of different types of #coverage.#longtermcare #assets #hybrid #budget #moneymanagement #bills #beneficiary #benefits #indemnity #nursinghome #grandparents #moneyinaminute #forbes #financialplanner #investing #wealthmanagement #estateplanning #financialadvisor #retirementplanning #sterkfinancialservicesFeat Mary Sterk & Kelsey BankeySubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
Divorce is difficult - emotionally and financially. In this episode of #MoneyGuidewithMarySterk, we will educate you about important factors to consider as you move through your #divorce towards a brighter future.#attorney #CPA #assets #credit #creditreport #cashflow #budget #alimony #taxes #IRA #rothira #qdro #401k Feat Mary Sterk & Kelsey BankeySubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
Divorce is difficult - emotionally and financially. In this episode of #MoneyGuidewithMarySterk, we will educate you about important factors to consider as you move through your #divorce towards a brighter future.
attorney #CPA #assets #credit #creditreport #cashflow #budget #alimony #taxes #IRA #rothira #qdro #401k
Feat Mary Sterk & Kelsey Bankey
Subscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm
Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
Subscribe to the “Money Guide with Mary Sterk” podcast on Apple Podcasts.
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In the first 10 years of retirement, retirees are most vulnerable to #market risks, due to their high need for income and a loss of regular income from their careers. #Inflation, unexpected expenses and #healthcare costs can also contribute to these #risks. Another is the #SequenceofReturns Risk.#moneyinaminute #forbes #financialplanner #investing #fiduciary #wealthmanagement #estateplanning #financialadvisor #high networth #retirement #401k #retirementplanning #assetmanagement #socialsecurity #moneytips #personalfinance #rothira #debt #financegoals #investmentmanagement #moneyguidewithmarysterk #sterkfinancialservicesFeat. Kelsey BankeySubscribe! youtube.com/@sterkfinancialservicesSchedule an appointment with one of our advisors today! sterkfinancialservices.com
Staying #organized and on top of your #financial records is no easy feat while you are alive. Imagine how hard it would be for your loved ones to fully grasp your financial picture when you can no longer handle it yourself! The Family Estate Organizer™ represents one, simplified, and organized place for you and your family to always know where all of your important #documents are. In this episode of #MoneyGuidewithMarySterk, we discuss how The Family Estate Organizer can help you, your family, and your #estateplanning.#bankaccount #safetydeposit #RothIRA #beneficiary #assets #investments #income #taxes #mutualfunds #stocks #pension #socialsecurity #insurance #powerofattorney #lifeinsurance #funeral #obituary #legaldocuments #property #realestate #debt #incometax #passwordsFeat Mary Sterk & Kelsey Bankey
Women are controlling more of the #wealth than ever before. You may be wondering how to turn that into personal wealth. In this episode of #MoneyGuidewithMarySterk, we share 5 Secrets of #Wealthy #Women.#finances #moneymanagement #retirement #investing #insurance #lifeinsurance #longtermcareinsurance #carinsurance #healthinsurance #womenandmoney #womenandwealth #financialadvisor #CPA #attorney #values #givingback #children #mothers #family #spending #christmascarol #scrooge #tinytim Feat Mary Sterk & Kelsey Bankey
Women are controlling more of the #wealth than ever before. You may be wondering how to turn that into personal wealth. In this episode of #MoneyGuidewithMarySterk, we share 5 Secrets of #Wealthy #Women.
finances #moneymanagement #retirement #investing #insurance #lifeinsurance #longtermcareinsurance #carinsurance #healthinsurance #womenandmoney #womenandwealth #financialadvisor #CPA #attorney #values #givingback #children #mothers #family #spending #christmascarol #scrooge #tinytim
Feat Mary Sterk & Kelsey Bankey
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Sometimes getting started is the hardest part. If you are wanting to establish yourself financially - or if you are looking to help #kids or #grandchildren get a solid footing, tune in to this episode of #MoneyGuidewithMarySterk to hear us share easy tips to start #saving today.#investments #retirement #savings #compoundinterest #paycheck #401k #emergencyfund #technology #budget #mint #debt #entertainment #expenses #apps #financeapp Feat Mary Sterk & Kelsey Bankey
BullMarkets are followed by #bearmarkets are followed by bull markets are followed by bear markets are followed by…. But what does that really mean to you? In this episode of #MoneyGuidewithMarySterk, we discuss the history of the bull and bear markets and how it impacts you.#stockmarket #volatility #emotions #greatdepression #portfolio #greatrecession #recession #investmentmistakes #media #panic #stocks #bonds #skew #retirement Feat Mary Sterk & Kelsey Bankey
Managing your #portfolio has a lot of moving pieces. Whether you are a do-it-yourself-er or just want to go beyond the basics, it's important to learn about #investing at a higher level. In this episode of #MoneyGuidewithMarySterk, we discuss 3 key #strategies of strong portfolio management to help avoid common pitfalls that #investors frequently make.#investment #buyandhold #buylowsellhigh #mutualfunds #peergroup #bonds #assetclass #volatility #retirement #interestrates Feat Mary Sterk & Kelsey Bankey
Managing your #portfolio has a lot of moving pieces. Whether you are a do-it-yourself-er or just want to go beyond the basics, it's important to learn about #investing at a higher level. In this episode of #MoneyGuidewithMarySterk, we discuss 3 key #strategies of strong portfolio management to help avoid common pitfalls that #investors frequently make.
investment #buyandhold #buylowsellhigh #mutualfunds #peergroup #bonds #assetclass #volatility #retirement #interestrates
Feat Mary Sterk & Kelsey Bankey
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BullMarkets are followed by #bearmarkets are followed by bull markets are followed by bear markets are followed by…. But what does that really mean to you? In this episode of #MoneyGuidewithMarySterk, we discuss the history of the bull and bear markets and how it impacts you.
stockmarket #volatility #emotions #greatdepression #portfolio #greatrecession #recession #investmentmistakes #media #panic #stocks #bonds #skew #retirement
Feat Mary Sterk & Kelsey Bankey
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It's never too early to start investing but where do you begin? #budget #debt #emergencyfund #expenses #goals #savings #moneyinaminute #forbes #financialplanner #investing #fiduciary #wealthmanagement #estateplanning #financialadvisor #high networth #retirement #401k #retirementplanning #assetmanagement #socialsecurity #moneytips #personalfinance #rothira #debt #financegoals #investmentmanagement #moneyguidewithmarysterk #sterkfinancialservices
Even #celebrities can spend themselves right into #bankruptcy because they are not living within their means. It sounds simple, yet millions of Americans have a problem with this. #MCHammer #rapper #fortune #fame #hammerpants #plagiarize#moneyinaminute #forbes #financialplanner #investing #fiduciary #wealthmanagement #estateplanning #financialadvisor #high networth #retirement #401k #retirementplanning #assetmanagement #socialsecurity #moneytips #personalfinance #rothira #debt #financegoals #investmentmanagement #moneyguidewithmarysterk #sterkfinancialservices
It's never too early to start investing but where do you begin?
budget #debt #emergencyfund #expenses #goals #savings
moneyinaminute #forbes #financialplanner #investing #fiduciary #wealthmanagement #estateplanning #financialadvisor #high networth #retirement #401k #retirementplanning #assetmanagement #socialsecurity #moneytips #personalfinance #rothira #debt #financegoals #investmentmanagement #moneyguidewithmarysterk #sterkfinancialservices
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Even #celebrities can spend themselves right into #bankruptcy because they are not living within their means. It sounds simple, yet millions of Americans have a problem with this.
#MCHammer #rapper #fortune #fame #hammerpants #plagiarize
#moneyinaminute #forbes #financialplanner #investing #fiduciary #wealthmanagement #estateplanning #financialadvisor #high networth #retirement #401k #retirementplanning #assetmanagement #socialsecurity #moneytips #personalfinance #rothira #debt #financegoals #investmentmanagement #moneyguidewithmarysterk #sterkfinancialservices
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Many #investors think they understand the concept of #diversification - but most portfolios fall victim to #skew, which can damage results in both an up or down #market. In this episode of #MoneyGuidewithMarySterk, we discuss how to #allocate and maintain a #diversified #portfolio. Feat Mary Sterk & Kelsey Bankey#assetclass #assetallocation #risk #risktolerance #stocks #bonds #cash #401k #saving #retirement #investment
Estateplanning now involves more than just your #money - it also includes your #digital #assets. In this episode of #MoneyGuidewithMarySterk, we share smart ideas on how to include digital assets in your #estate plan.#will #family #powerofattorney #ipad #laptop #healthcare #itunes #kindle #videogames #executor #beneficiary #tech #techsavvy #login #password #computer Feat Mary Sterk & Kelsey Bankey
People of all #wealth levels have unique struggles, worries and challenges when it comes to #money. In this episode of #MoneyGuidewithMarySterk, we discuss 10 of the top worries that people with larger amounts of money often have.#investing #loans #relationship #dating #lawsuit #health #medical #celebrities #fiduciary #identitytheft #bankstatement #encryption #children Feat Mary Sterk & Kelsey Bankey
What is a fiduciary? In this episode of #MoneyGuidewithMarySterk, we share what the fiduciary standard means for you and your #retirement accounts.#assets #rollover #IRA #advisor #CFP #risktolerance #insurance #investment #statefarm Feat Mary Sterk & Kelsey Bankey
There are many types of IRAs - and people frequently don’t understand the differences or some of the rules. In this episode of #MoneyGuidewithMarySterk, we give you an #IRA overview in a simple and easy to understand way.#taxes #rothira #taxbreak #investment #401k #roth401k Feat Mary Sterk & Kelsey Bankey
Many people are confused about the best way and the best time to begin taking their #socialsecurity check. In this episode of #MoneyGuidewithMarySterk, we discuss ways to maximize your own personal social security.#retirement #lifeexpectancy #benefits #retirementplanning #retirementgoals #widow #divorce Feat Mary Sterk & Kelsey Bankey
Buying and selling #stocks should come down to a specific evaluation process - but is that what you are really doing? In this episode of #moneyguidewithmarysterk, we take you through a unique methodology to evaluate when it is time to buy or sell your #stockFeat Mary Sterk & Kelsey Bankey#agriculture #tech #financial #johndeere #investing #fundamentalanalysis #pricetoearning #metrics #stockmarket #cashflow #profitability #portfolio #technicalanalysis #trend #risk #daytrading #standarddeviation #volatility #beta #dividend
Buying and selling #stocks should come down to a specific evaluation process - but is that what you are really doing? In this episode of #moneyguidewithmarysterk, we take you through a unique methodology to evaluate when it is time to buy or sell your #stock
Feat Mary Sterk & Kelsey Bankey
agriculture #tech #financial #johndeere #investing #fundamentalanalysis #pricetoearning #metrics #stockmarket #cashflow #profitability #portfolio #technicalanalysis #trend #risk #daytrading #standarddeviation #volatility #beta #dividend
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Estateplanning now involves more than just your #money - it also includes your #digital #assets. In this episode of #MoneyGuidewithMarySterk, we share smart ideas on how to include digital assets in your #estate plan.
will #family #powerofattorney #ipad #laptop #healthcare #itunes #kindle #videogames #executor #beneficiary #tech #techsavvy #login #password #computer
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We all recognize #Oprah is an icon. She’s truly a #ragstoriches story and has undoubtedly learned a lot of lessons about #money in her life. #oprahwinfrey#moneyinaminute #forbes #financialplanner #investing #fiduciary #wealthmanagement #estateplanning #financialadvisor #high networth #retirement #401k #retirementplanning #assetmanagement #socialsecurity #moneytips #personalfinance #rothira #debt #financegoals #investmentmanagement #moneyguidewithmarysterk #sterkfinancialservices
The Fed has bumped up the #interestrates twice in the last 6 months, and says they intend to keep doing so over the next few years. In this episode of #MoneyGuidewithMarySterk, we share how rising interest rates actually affects YOU.Feat Mary Sterk & Kelsey Bankey#federalreserve #inflation #bank #loan #fixedincome #socialsecurity #wealth #strategy #refinance #mortgage #savings #bonds
The Fed has bumped up the #interestrates twice in the last 6 months, and says they intend to keep doing so over the next few years. In this episode of #MoneyGuidewithMarySterk, we share how rising interest rates actually affects YOU.
Feat Mary Sterk & Kelsey Bankey
federalreserve #inflation #bank #loan #fixedincome #socialsecurity #wealth #strategy #refinance #mortgage #savings #bonds
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Some #celebrities pour massive amounts of money into a single venture. And if that venture doesn't go well, it can cause major losses. #JustinTimberlake #MySpace #Facebook #Bono #U2 #PalmPilot #smartphone#moneyinaminute #forbes #financialplanner #investing #fiduciary #wealthmanagement #estateplanning #financialadvisor #high networth #retirement #401k #retirementplanning #assetmanagement #socialsecurity #moneytips #personalfinance #rothira #debt #financegoals #investmentmanagement #moneyguidewithmarysterk #sterkfinancialservices
Retirement is a significant life milestone, and the timing of when to do it varies from person to person. It depends on factors such as your financial situation, personal #goals, and #health. Some people prefer to retire early to enjoy leisure years, while others continue working for as long as they can.#retirementplan#moneyinaminute #forbes #financialplanner #investing #fiduciary #wealthmanagement #estateplanning #financialadvisor #high networth #retirement #401k #retirementplanning #assetmanagement #socialsecurity #moneytips #personalfinance #rothira #debt #financegoals #investmentmanagement #financialplanning #financialadvice #moneyguidewithmarysterk #sterkfinancialservices
Some #celebrities pour massive amounts of money into a single venture. And if that venture doesn't go well, it can cause major losses.
JustinTimberlake #MySpace #Facebook #Bono #U2 #PalmPilot #smartphone
moneyinaminute #forbes #financialplanner #investing #fiduciary #wealthmanagement #estateplanning #financialadvisor #high networth #retirement #401k #retirementplanning #assetmanagement #socialsecurity #moneytips #personalfinance #rothira #debt #financegoals #investmentmanagement #moneyguidewithmarysterk #sterkfinancialservices
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Retirement is a significant life milestone, and the timing of when to do it varies from person to person. It depends on factors such as your financial situation, personal #goals, and #health. Some people prefer to retire early to enjoy leisure years, while others continue working for as long as they can.
retirementplan
moneyinaminute #forbes #financialplanner #investing #fiduciary #wealthmanagement #estateplanning #financialadvisor #high networth #retirement #401k #retirementplanning #assetmanagement #socialsecurity #moneytips #personalfinance #rothira #debt #financegoals #investmentmanagement #financialplanning #financialadvice #moneyguidewithmarysterk #sterkfinancialservices
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Stocks have outpaced #bonds and #inflation over time despite #wars, #recessions, #political upheaval, #terrorism, and other #market shaking events. In this episode of #MoneyGuidewithMarySterk, we discuss some time-tested strategies that still apply for today's savvy #investor. Topics include:#investing #blackmonday #tech #assetclasses #portfolio #equity #cash #assetallocation #stockmarket #sku #diversity Feat Mary Sterk & Kelsey Bankey
What #celebrity money mistake did we learn from #MikeTyson? Ears are not for biting and #money doesn’t last forever. Tyson was the world #heavyweight champion, worth over $300 million at the height of his career in boxing. However, his career came to a sudden halt in 1997 with the legendary ear-biting incident with #EvanderHolyfield. And his ridiculous spending habits continued beyond his lucrative career resulting in bankruptcy.#boxing#moneyinaminute #forbes #financialplanner #investing #fiduciary #wealthmanagement #estateplanning #financialadvisor #high networth #retirement #401k #retirementplanning #assetmanagement #socialsecurity #moneytips #personalfinance #rothira #debt #financegoals #investmentmanagement #financialplanning #financialadvice #moneyguidewithmarysterk #sterkfinancialservices
When you're talking about holistic planning and you're trying to find that collaborative partner, it's important for you to find somebody to work with who acts as a fiduciary. A fiduciary is somebody who is bound by the highest legal duty to ethically act in the best interest of their clients. Every Sterk Financial Services client has access to an experienced team working tirelessly as fiduciaries for their best interest. #moneyinaminute #forbes #financialplanner #investing #fiduciary #wealthmanagement #estateplanning #financialadvisor #high networth #retirement #401k #retirementplanning #assetmanagement #socialsecurity #moneytips #personalfinance #rothira #debt #financegoals #investmentmanagement #financialplanning #financialadvice #moneyguidewithmarysterk #sterkfinancialservicessterkfinancialservices.com
Are your retirement ducks in a row? In this episode of "Money Guide with Mary Sterk," Mary & Sterk Financial Advisor Kelsey Bankey discuss the main issues that face retirees and how to approach them so you can retire with confidence. Topics include:EmotionsHealth InsuranceMedicareNursing HomeAssetsIncomeLiquidityTaxesInvestmentsSkewStocks401(k)RiskLegal DocumentsWillPower of AttorneyPortfolioAsset AllocationSubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
BritneySpears was very young when she hit fame and created a large amount of fortune. She had some very public meltdowns early on and her Father became the custodian of her money. Her long running battle to reclaim financial control spurred the fans group called “The #FreeBritney Movement.” Britney successfully petitioned the court to end the #conservatorship and took back control of her own money at age 39.#moneyinaminute #forbes #financialplanner #investing #fiduciary #wealthmanagement #estateplanning #financialadvisor #high networth #retirement #401k #retirementplanning #assetmanagement #socialsecurity #moneytips #personalfinance #rothira #debt #financegoals #investmentmanagement #financialplanning #financialadvice #moneyguidewithmarysterk #sterkfinancialservices
Did you know you can reduce your taxes by making a QCD right out of your IRA? A QCD, also known as a Qualified Charitable Distribution, can be a great way to strategically reduce your tax bill. But there are nuances and rules surrounding it that are important to understand. In this episode of "Money Guide with Mary Sterk," Mary & Sterk Financial Advisor Julie Chadwick share some tips to help you maximize your QCD opportunity. Topics include:Required Minimum DistributionCharityTax ReturnCPABeneficiary501(c)(3)Donor Advised FundLump Sum DistributionTax BracketMortgage InterestInvestmentsAuditROTH IRADeductionsItemizing
Valentine's Day is right around the corner and love is in the air! In this episode of "Money Guide with Mary Sterk", we talk about how you can show your love by making sure that your financial ducks are in a row so that your loved ones are all taken care of. Topics include:Life InsuranceBillsDebtMortality TableBenefitsEstate PlanningWillFinancial Power of AttorneyHealthcare Power of AttorneyBurial PlanFuneral ExpensesBurial TrustLegacyDeathMarriageDivorceBeneficiaryAging Parents
How do you know if your #investments are any good? Here’s the thing: #money doesn’t come with instructions. Creating and maintaining a strong #portfolio takes a lot of research and review. That’s why we developed our disciplined investment methodology. #holdings #wealth#moneyinaminute #forbes #financialplanner #investing #fiduciary #wealthmanagement #estateplanning #financialadvisor #high networth #retirement #401k #retirementplanning #assetmanagement #socialsecurity #moneytips #personalfinance #rothira #debt #financegoals #investmentmanagement #financialplanning #financialadvice #moneyguidewithmarysterk #sterkfinancialservices
The #NewYear is here and 34% of #resolutions are financial-related. But here's the thing: only 39% of people in their twenties achieve their resolutions each year. If you're over 50, only 14% achieve their resolutions. Having somebody hold you accountable does improve your success rate. Here are some financial resolutions to consider.#creditscore #newyearsresolutions#moneyinaminute #forbes #financialplanner #investing #fiduciary #wealthmanagement #estateplanning #financialadvisor #high networth #retirement #401k #retirementplanning #assetmanagement #socialsecurity #moneytips #personalfinance #rothira #debt #financegoals #investmentmanagement #financialplanning #financialadvice #moneyguidewithmarysterk #sterkfinancialservices
Oprah says when she's buying things, she asks herself this: “Do my things promote joy, beauty, and usefulness or are they just burdensome? I have decided to keep only that which delights me or enhances my well-being.” Do you own your stuff or does your stuff own you?#moneyinaminute #forbes #financialplanner #investing #fiduciary #wealthmanagement #estateplanning #financialadvisor #highnetworth #retirement #401k #retirementplanning #assetmanagement #socialsecurity #moneytips #personalfinance #rothira #debt #financegoals #investmentmanagement #financialplanning #financialadvice #moneyguidewithmarysterk #sterkfinancialservices
Let's kick your year off with a simple financial approach designed to last the year! #accountant #CPA #taxes #budget #debt #powerofattorney #moneyinaminute #forbes #financialplanner #investing #fiduciary #wealthmanagement #estateplanning #financialadvisor #high networth #retirement #401k #retirementplanning #assetmanagement #socialsecurity #moneytips #personalfinance #rothira #debt #financegoals #investmentmanagement #financialplanning #financialadvice #moneyguidewithmarysterk #sterkfinancialservices
It's time to jump-start 2024! In this episode of "Money Guide with Mary Sterk," Mary & Sterk Financial Advisor Julie Chadwick share smart resolutions for you to think about the year ahead and improve yourself from a financial standpoint. Topics include:Credit ScoreEmergency FundSavingsBeneficiariesPer StirpesWillTestamentary TrustPower of AttorneySubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
What can we learn from #celebrity #money mistakes? Finish your #estateplanning. #JackieO has an eternal legacy of style. Unfortunately, her style was better than her estate planning #jackieonassis #jackiekennedy #moneyinaminute #forbes #financialplanner #investing #fiduciary #wealthmanagement #estateplanning #financialadvisor #highnetworth #retirement #401k #retirementplanning #assetmanagement #socialsecurity
Investing mistakes can get magnified in times of #marketvolatility, and one major mistake people make is trying to time the #market. Sometimes you have to just remember that the slow and steady method of investing is historically what wins. It's not timing the market. It's time IN the market. #moneyinaminute #forbes #financialplanner #investing #fiduciary #wealthmanagement #estateplanning #financialadvisor #highnetworth #retirement #401k #retirementplanning #assetmanagement #socialsecurity #moneytips #personalfinance #rothira #taxes #beneficiary #debt #financegoals #investmentmanagement #financialplanning #financialadvice #moneyguidewithmarysterk #sterkfinancialservices
Caring for an aging parent presents loving opportunities, but also can bring difficult challenges as you transition towards handling their finances. In this episode of "Money Guide with Mary Sterk," Mary & Sterk Advisor Kelsey Bankey discuss various strategies to assist your aging parents with their finances - everything from bill paying to structuring investments to nursing home decisions. Listen in to help take the complexity and uncertainty out of parent care and move forward with clarity and confidence. Topics include:Cash FlowIncomeExpensesSocial SecurityPropertyInsuranceTax ReturnAnnuitiesDividendsPrescription DrugsBirth CertificateFinancial PlannerCaregiverHospiceSubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
Planning for retirement? In this episode of "Money Guide with Mary Sterk," Mary & Sterk Financial Advisor Kelsey Bankey discuss four retirement expenses that might catch you by surprise. Topics include:Medical CopaysHealth InsuranceMedicareLong-term CareAssisted LivingNursing HomeSubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
It's Medicare Open Enrollment Time - and things just keep getting more confusing! In this episode of "Money Guide with Mary Sterk," Mary & Sterk Advisor Kelsey Bankey simplify many of the main points that are important to understand about the Medicare system. Topics include:RetirementIncomeSocial SecurityCapital GainsGross IncomeEmployersCaregiverDrugsBeneficiariesSubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
What can we learn from #celebrity money mistakes? Be careful who you trust when it comes to your financial planning. #nicolascage #hollywood #actor #moneyinaminute #forbes #financialplanner #investing #fiduciary #wealthmanagement #estateplanning #financialadvisor #highnetworth #retirement #401k #retirementplanning #assetmanagement #socialsecurity #moneytips #personalfinance #rothira #taxes #beneficiary #debt #financegoals #investmentmanagement #financialplanning #financialadvice #moneyguidewithmarysterk #sterkfinancialservices
A successful company’s financial toolbox should contain more than your annual reports and profit forecasts. In this episode of "Money Guide with Mary Sterk," Mary & Sterk Advisor Kelsey Bankey share six smart business strategies to enhance, protect, or transition your business. Topics include:StressAnxietyProductivity401kRetirementEmotionsFiduciary RiskInvestmentsEducationBenefitsLife InsuranceBonusExecutive Financial PlanningWell-beingStrategic PlanRecruitingCorporate PortfolioSuccession PlanningWealthTax-EfficientAttorneyCPAContingencyEmployeesSubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
A successful investor maximizes gain and minimizes loss. In this episode of "Money Guide with Mary Sterk," Mary & Sterk Advisor Kelsey Bankey discuss 6 key principles that may help you invest more successfully. Topics include:CompoundingMutual FundReturnsWealthAsset AllocationDiversificationRetirementLiquidityPortfolioEmergency FundDollar Cost Averaging401(k)Nest EggSubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
Navigating the complexities of Social Security can be confusing. In this episode of "Money Guide with Mary Sterk," Mary & Sterk Advisor Kelsey Bankey clearly explain the basics of how Social Security works and the impact of your age on your benefits. Topics include:ssa.govBenefitsRetirementBreak Even PointDelayLongevityMaximizationDivorceWidowSurvivorSubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
What’s your #money philosophy? At Sterk Financial, we design holistic, personalized strategies to help increase #investments, reduce #taxes and risk, optimize portfolio allocation, and create #income streams designed to last a lifetime. Our ultimate goal is to align your overall financial picture to support the life you want to lead. #moneyinaminute #forbes #financialplanner #investing #fiduciary #wealthmanagement #estateplanning #financialadvisor #highnetworth #retirement #401k #retirementplanning #assetmanagement #socialsecurity #moneytips #personalfinance #rothira #taxes #beneficiary #debt #financegoals #investmentmanagement #financialplanning #financialadvice #moneyguidewithmarysterk #sterkfinancialservices
What can we learn from #celebrity money mistakes? Have an updated will. #HeathLedger was an #AcademyAward winning #actor who failed to update an old will that was created before his daughter was born. As a result, his entire estate went to his parents and three sisters #moneyinaminute #forbes #financialplanner #investing #fiduciary #wealthmanagement #estateplanning #financialadvisor #highnetworth #retirement #401k #retirementplanning #assetmanagement #socialsecurity #moneytips #personalfinance #rothira #taxes #beneficiary #debt #financegoals #investmentmanagement #financialplanning #financialadvice #moneyguidewithmarysterk #sterkfinancialservices
What money really does is fund the things that we value in this life. In this episode of "Money Guide with Mary Sterk," Mary & Sterk Financial Advisor Kelsey Bankey delve into what creates your money philosophy and how to align your money with what matters most. Topics include:WorkFamilyExperiencesFinancial PlanningRetirementTravelFishingCharityStudentsEducationPropertyFarmingChildrenGolfSubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
A fire can devastate you financially. In this episode of "Money Guide with Mary Sterk," Mary shares valuable tips on what to store and how to safeguard your records so you stay financially fire-proof. Topics include:Risk AdjustmentHomeowners InsuranceRenters InsuranceReplacement CostMedical CoverageEmotionDocumentsMarriage CertificateDrivers LicenseBirth CertificateSocial SecuritySubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
A fire can devastate you financially. In this episode of "Money Guide with Mary Sterk," Mary shares valuable tips on what to store and how to safeguard your records so you stay financially fire-proof. Topics include:
Risk Adjustment
Homeowners Insurance
Renters Insurance
Replacement Cost
Medical Coverage
Emotion
Documents
Marriage Certificate
Drivers License
Birth Certificate
Social Security
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Wild swings in the market frequently lead to the biggest mistake that people make with their #investments - they let their #emotions rule their judgment. Whatever your emotions are telling you to do, it's probably a good decision to do exactly the opposite. #fear #greed
It's back to school time and college savings is on many people's minds. In this episode of "Money Guide with Mary Sterk," Mary & Sterk Financial Advisor Kelsey Bankey discuss several ways to save for college on a tax favored basis. Topics include: 529 Plan Tax Deductions Tuition Beneficiaries Allocation Earnings Higher Education Education Funding FAFSA Policy Loan Cash Life Insurance Minimum Payments
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Even if you have laid out a great retirement plan, anxiety and indecision can still get in your way of taking the big leap. In this episode of "Money Guide with Mary Sterk," Mary & Sterk Financial Advisor Kelsey Bankey talk about four common planning pitfalls that can veer you off track, and provide creative solutions to help you move forward with clarity and confidence. Topics include: Overwhelm Immersion Education Webinar Class Bite-sized Learning Communication Fear Insurance
Subscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm
Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
People often hear about long term market averages and wonder why their portfolio isn't producing the same results. In this episode of "Money Guide with Mary Sterk," Mary & Sterk Advisor Kelsey Bankey discuss ways to analyze your performance and holdings to try to boost your portfolio results. Topics include: Overlap Peer Group Performance Mutual Fund Morningstar Asset Class Long-Term Performance Short-Term Performance Investing Ranking Fixed Income Fixed Expenses Variable Expenses Travel Liquid Pool of Investments Retirement Will Power of Attorney
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People often hear about long term market averages and wonder why their portfolio isn't producing the same results. In this episode of "Money Guide with Mary Sterk," Mary & Sterk Advisor Kelsey Bankey discuss ways to analyze your performance and holdings to try to boost your portfolio results. Topics include:
Overlap
Peer Group Performance
Mutual Fund
Morningstar
Asset Class
Long-Term Performance
Short-Term Performance
Investing
Ranking
Fixed Income
Fixed Expenses
Variable Expenses
Travel
Liquid Pool of Investments
Retirement
Will
Power of Attorney
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Oprah says, “I've learned that yes, #wealth is a tool that gives you choices, but it can't compensate for a life not fully lived, and it certainly can't create a sense of peace within you.” We love this quote because it completely aligns with our #money philosophy at Sterk Financial - that the only thing money really does is buy you choices. #oprahwinfrey
What can we learn from #Celebrity money mistakes? #WillieNelson taught us this: Don't Mess with the #IRS!
#Oprah says, “I've learned that yes, #wealth is a tool that gives you choices, but it can't compensate for a life not fully lived, and it certainly can't create a sense of peace within you.” We love this quote because it completely aligns with our #money philosophy at Sterk Financial - that the only thing money really does is buy you choices. #oprahwinfrey
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What can we learn from #Celebrity money mistakes? #Prince taught us this: Have a Will!
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What can we learn from #Celebrity money mistakes? #WillieNelson taught us this: Don't Mess with the #IRS!
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Even if you have laid out a great retirement plan, anxiety and indecision can still get in your way of taking the big leap. In this episode of "Money Guide with Mary Sterk," Mary & Sterk Financial Advisor Kelsey Bankey talk about four common planning pitfalls that can veer you off track, and provide creative solutions to help you move forward with clarity and confidence. Topics include:
Overwhelm
Immersion Education
Webinar
Class
Bite-sized Learning
Communication
Fear
Insurance
Subscribe to the “Money Guide with Mary Sterk” podcast on Apple Podcasts.
Schedule an appointment with one of our advisors today!
Follow us on Facebook
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Negotiating for assets is part of most divorces. In this episode of "Money Guide with Mary Sterk," Mary & Sterk Advisor Kelsey Bankey will explain how assets differ in real value even if the monetary amount might look the same. Topics include: Settlement Collaborative Divorce Attorney ROTH IRA Investments Capital Gains Tax Taxes Property Sale Hidden Assets Interest Business Inheritance Gifts
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Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
Negotiating for assets is part of most divorces. In this episode of "Money Guide with Mary Sterk," Mary & Sterk Advisor Kelsey Bankey will explain how assets differ in real value even if the monetary amount might look the same. Topics include:
Settlement
Collaborative Divorce
Attorney
ROTH IRA
Investments
Capital Gains Tax
Taxes
Property Sale
Hidden Assets
Interest
Business
Inheritance
Gifts
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The Wall Street Journal featured Mary Sterk in a story about helping two sisters with their Estate Planning - listen to the podcast to hear how she worked with them to help figure out a way to minimize the impact of taxes. Topics include: Will Financial Power of Attorney Healthcare Power of Attorney Inheritance Beneficiary Funeral Life Insurance Legacy Retirement Trust
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Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
Here’s the thing: money doesn’t come with instructions. You need a path. You need a strategy. This explains the Sterk Financial motto in a nutshell: Plan. Protect. Grow.
Securities and Investment Advisory Services are offered through Woodbury Financial Services, Inc., Member FINRA/SIPC. Insurance offered through Sterk Financial Services which is not affiliated with Woodbury. Neither Woodbury Financial nor its representatives or employees provide legal or tax advice. Forbes Best-In-State Wealth Advisors list includes 10 recipients per state. The award is based on qualitative and quantitative data, rating thousands of wealth advisors with a minimum of seven years of experience and weighing factors like revenue trends, assets under management, compliance records, industry experience and best practices. The award is not based on portfolio performance or client reviews. There is no fee in exchange for rankings. Securities and investment advisory services offered through Woodbury Financial Services (WFS), member FINRA, SIPC. WFS and Sterk Financial Services are unaffiliated. The Forbes ranking of Top Women Wealth Advisors, developed by SHOOK Research, is based on an algorithm of qualitative criteria and quantitative data. Criteria include years of industry experience and weights factors like revenue trends, assets under management, compliance records, and those that encompass best practices in their approach to working with clients. Neither Forbes nor SHOOK receive a fee in exchange for rankings. 350 Oak Tree Lane, Suite 150, Dakota Dunes, SD 57049 605-217-3555 sterkfinancialservices.com
Subscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm
Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
Here’s the thing: money doesn’t come with instructions. You need a path. You need a strategy. This explains the Sterk Financial motto in a nutshell: Plan. Protect. Grow.Securities and Investment Advisory Services are offered through Woodbury Financial Services, Inc., Member FINRA/SIPC. Insurance offered through Sterk Financial Services which is not affiliated with Woodbury. Neither Woodbury Financial nor its representatives or employees provide legal or tax advice. Forbes Best-In-State Wealth Advisors list includes 10 recipients per state. The award is based on qualitative and quantitative data, rating thousands of wealth advisors with a minimum of seven years of experience and weighing factors like revenue trends, assets under management, compliance records, industry experience and best practices. The award is not based on portfolio performance or client reviews. There is no fee in exchange for rankings. Securities and investment advisory services offered through Woodbury Financial Services (WFS), member FINRA, SIPC. WFS and Sterk Financial Services are unaffiliated. The Forbes ranking of Top Women Wealth Advisors, developed by SHOOK Research, is based on an algorithm of qualitative criteria and quantitative data. Criteria include years of industry experience and weights factors like revenue trends, assets under management, compliance records, and those that encompass best practices in their approach to working with clients. Neither Forbes nor SHOOK receive a fee in exchange for rankings. 350 Oak Tree Lane, Suite 150, Dakota Dunes, SD 57049 605-217-3555 sterkfinancialservices.com
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Are you ready to sell your business? For many people, your business is like your baby - and it's hard to part with it! In this episode of "Money Guide with Mary Sterk," Mary & Sterk Financial Advisor Kelsey Bankey discuss critical components of a business sale - from determining the value to structuring the sale to managing family dynamics after the deal is done. Topics include: Attorney CPA Financial Planner Business Evaluation IRS Assigned Value Taxes Revenue Income Assets Contingency Plan Estate Plan Life Insurance Business Partner
Subscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm
Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
Are you ready to sell your business? For many people, your business is like your baby - and it's hard to part with it! In this episode of "Money Guide with Mary Sterk," Mary & Sterk Financial Advisor Kelsey Bankey discuss critical components of a business sale - from determining the value to structuring the sale to managing family dynamics after the deal is done. Topics include:
Attorney
CPA
Financial Planner
Business Evaluation
IRS
Assigned Value
Taxes
Revenue
Income
Assets
Contingency Plan
Estate Plan
Life Insurance
Business Partner
Subscribe to the “Money Guide with Mary Sterk” podcast on Apple Podcasts.
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Are you covered? Are you sure? A strong #insurance plan will make sure your risks are limited, or in some cases completely eliminated. In this episode of "Money Guide with Mary Sterk," Mary & Sterk Financial Advisor Kelsey Bankey explore how different types of #risk can affect your #financial situation, and how to make sure your risk gaps are adequately covered. Topics include: Flood Insurance Home Owners Insurance Liability Umbrella Policy Auto Insurance Life Insurance Disability Insurance Health Insurance Medicare
Subscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm
Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
Are you covered? Are you sure? A strong #insurance plan will make sure your risks are limited, or in some cases completely eliminated. In this episode of "Money Guide with Mary Sterk," Mary & Sterk Financial Advisor Kelsey Bankey explore how different types of #risk can affect your #financial situation, and how to make sure your risk gaps are adequately covered. Topics include:
Flood Insurance
Home Owners Insurance
Liability
Umbrella Policy
Auto Insurance
Life Insurance
Disability Insurance
Health Insurance
Medicare
Subscribe to the “Money Guide with Mary Sterk” podcast on Apple Podcasts.
Schedule an appointment with one of our advisors today!
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The prospect of retiring raises some big fears. What if I run out of money? What if I have a major health issue? Are my investments set up right? In this episode of "Money Guide with Mary Sterk," Mary & Sterk Financial Advisor, Kelsey Bankey, discuss strategies for retirement income to help you feel confident when you are ready to stop working. Topics include: Emergency Money Interest Risk Behavior Fixed with Fixed Bills Budget Expenses Loan Market Crash Liquidity Travel Grandkids Stocks Dividends
Subscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm
Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
The prospect of retiring raises some big fears. What if I run out of money? What if I have a major health issue? Are my investments set up right? In this episode of "Money Guide with Mary Sterk," Mary & Sterk Financial Advisor, Kelsey Bankey, discuss strategies for retirement income to help you feel confident when you are ready to stop working. Topics include:
Emergency Money
Interest
Risk
Behavior
Fixed with Fixed
Bills
Budget
Expenses
Loan
Market Crash
Liquidity
Travel
Grandkids
Stocks
Dividends
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You're getting married! Finances are a major part of your new union. Each person brings their financial background, money philosophies & spending habits into the new marriage. Good communication and planning is the key to a healthy financial future together. In this episode of "Money Guide with Mary Sterk," Mary & Sterk Financial Advisor Kelsey Bankey share savvy financial tips for the Bride-To-Be! Topics include: Debt College Credit Cards Health Insurance Retirement Children Re-Marriage Communication Cash Flow Pre-Nuptial Agreement
Subscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm
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Summer can get really expensive when the grandkids come to stay! In this episode of "Money Guide with Mary Sterk," Mary & Sterk Financial Advisor Kelsey Bankey offer some budget-friendly ideas to enjoy the lazy summer days with those grandkids you love - without breaking the bank! Topics include: Games Treasure Hunt Scavenger Hunt Nature Park Movie Marathon Snacks Sandcastles Moats Beach Animals Books Reading Fruit picking Food Farmers Market Farm to Table Gardening Baking Cookbooks Pets Petting Zoo Humane Society Dog Walking Cats Write a Story
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Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
Summer can get really expensive when the grandkids come to stay! In this episode of "Money Guide with Mary Sterk," Mary & Sterk Financial Advisor Kelsey Bankey offer some budget-friendly ideas to enjoy the lazy summer days with those grandkids you love - without breaking the bank! Topics include:
Games
Treasure Hunt
Scavenger Hunt
Nature
Park
Movie Marathon
Snacks
Sandcastles
Moats
Beach
Animals
Books
Reading
Fruit picking
Food
Farmers Market
Farm to Table
Gardening
Baking
Cookbooks
Pets
Petting Zoo
Humane Society
Dog Walking
Cats
Write a Story
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Managing your investment portfolio has a lot of moving pieces. In this episode of "Money Guide with Mary Sterk," Mary & Sterk Financial Advisor Kelsey Bankey discuss key pieces of strong portfolio management and share strategies to avoid common pitfalls that investors commonly make. Topics include:Risk Tolerance LevelMorningstarMotley FoolStock PicksResearch StrategyUnbiased DataMutual FundsAsset ClassReal EstateOil CompaniesCorrelationMarket VolatilityBuy & Sell CriteriaSell in May and Go Away StrategySubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
Managing your investment portfolio has a lot of moving pieces. In this episode of "Money Guide with Mary Sterk," Mary & Sterk Financial Advisor Kelsey Bankey discuss key pieces of strong portfolio management and share strategies to avoid common pitfalls that investors commonly make. Topics include:
Risk Tolerance Level
Morningstar
Motley Fool
Stock Picks
Research Strategy
Unbiased Data
Mutual Funds
Asset Class
Real Estate
Oil Companies
Correlation
Market Volatility
Buy & Sell Criteria
Sell in May and Go Away Strategy
Subscribe to the “Money Guide with Mary Sterk” podcast on Apple Podcasts.
Schedule an appointment with one of our advisors today!
Follow us on Facebook
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Drowning in debt? Or perhaps you just want to get a better handle on how to manage the debt you have. In this episode of "Money Guide with Mary Sterk," Mary & Sterk Financial Advisor Kelsey Bankey present simple strategies to manage your debt in effective ways. Topics include:Home EquityStudent LoansDave RamseyDebt SnowballInterest RateExcel SpreadsheetsAPRRetirementCredit Card401(k)RetirementCredit ReportSubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
Life happens. Job layoffs, sickness, divorce… unexpected events can pop up and derail your financial life. In this episode of "Money Guide with Mary Sterk," Mary & Sterk Financial Advisor Kelsey Bankey dive into four common life events, sharing strategies to cope with the challenge and help you land on your feet. Topics include:BudgetIncomeExpensesJob LossCar AccidentDisabilityCaregiverDimentiaAlzeiher'sIllnessParent CareHospiceUnemploymentEmergency MoneyCollaborative DivorceChild SupportAlimonyDeathSubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
Graduates have a lot of financial things coming at them. High school grads are contemplating how to pay for college, moving out on their own and getting their first real job. College grads today are often faced with large debt loads and poor credit. In this episode of "Money Guide with Mary Sterk," Mary & Sterk Financial Advisor Kelsey Bankey educate you on how to start the next phase of life on the right financial foot - including emergency fund basics, smart budgeting, credit building, and handling student loans. Topics include:Windfall MoneyThe Rule of ThirdsDebtSavingsROTH IRAInterest RatesDebt SnowballCar RepairHome ImprovementMedical EmergencyTaxesDeductionsExemptionsEducationSubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
Losing your spouse is a devastating emotional blow. It also comes with a unique set of financial issues. In this episode of "Money Guide with Mary Sterk," Mary & Sterk Financial Advisor Kelsey Bankey shine a light on the top five financial issues to focus on if you have lost your beloved partner. Topics include:Unexpected IllnessPensionLossTraumaEmotionsMortgageMovingPropertyInvestmentsTaxesCPABenefitsPensionSocial SecurityAssetsCaregiverWidowGriefEstate PlanSupport GroupLiquidityInsurance PoliciesCash FlowFuneral ArrangementsMemorial ServicesBeneficiariesSafe Deposit BoxPasswordsEulogyPallbearersBillsWillAttorneyLegal DocumentsFinancial PlannerSubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
A good financial plan has a lot of moving parts. How do you know what should be included? In this episode of "Money Guide with Mary Sterk," Mary draws on her life experience and financial expertise with Sterk Financial Advisor Kelsey Bankey to guide you through the components of a strong plan - one that connects the money you have with the life you want to lead. Topics include:RetirementFiduciaryNet WorthAsset AllocationCollegeSurvivorshipEstate PlanningWillTrustInvestmentsMarketDocumentsBank StatementsLife InsuranceDeductibleRisk ManagementSocial SecurityPay StubsAging ParentsSubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
Spring is upon us! It's a fresh start, and many people like to freshen their finances! In this episode of "Money Guide with Mary Sterk," Mary & Sterk Advisor Kelsey Bankey share tips to Spring Clean Your Finances. Topics include:ChecksStatementsShreddingDocumentsTax ReturnsRecordsPaperless BillingWithholdingTax RefundTax-free loanHome InventoryCar InsuranceDebtCableAmazon PrimeStorageRisk Tolerance LevelAsset AllocationPortfolioRetirement SavingsConsolidating AccountsSubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
Ever wanted to super-charge your tax deductions for charitable giving? In this episode of "Money Guide with Mary Sterk," Mary & Sterk Advisor Kelsey Bankey share strategies to create massive current-year tax deductions using Donor-Advised Funds. Topics include:CharityStocksReal EstateAssetsLiabilityBusinessGiftsTax ManagementFamily ValuesBrokerage AccountHighly-AppreciatedRetirementInheritanceScholarship FundSubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
Don’t pay a dollar more taxes than you have to! Sure - this is good advice, but it can be complicated to find every deduction and credit you can take. In this episode of "Money Guide with Mary Sterk," Mary & Sterk Advisor Kelsey Bankey share a few mid-year tax hacks to help keep more of your money in your own pocket. Topics include:Medical ExpensesMileageCharityFundraisingDonationsIncome TaxItemizingPersonal PropertyJob ExpensesRetirementTravelMoving ExpensesChildrenGrandchildrenInterestEducationAsset AllocationSubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
Don’t pay a dollar more taxes than you have to! Sure - this is good advice, but it can be complicated to find every deduction and credit you can take. In this episode of "Money Guide with Mary Sterk," Mary & Sterk Advisor Kelsey Bankey share a few mid-year tax hacks to help keep more of your money in your own pocket. Topics include:
Medical Expenses
Mileage
Charity
Fundraising
Donations
Income Tax
Itemizing
Personal Property
Job Expenses
Retirement
Travel
Moving Expenses
Children
Grandchildren
Interest
Education
Asset Allocation
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Schedule an appointment with one of our advisors today!
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March is Irish Heritage Month, but did you know it's also Asset Management Awareness Month? In this episode of "Money Guide with Mary Sterk," Mary & Sterk Financial Advisor Kelsey Bankey share key strategies you should be aware of when investing your hard-earned money. Topics include:DiversificationAsset AllocationInvestmentMutual FundGrowth FundSqueueRisk Tolerance LevelMarket UpswingPortfolio ManagementRetirementQuality ControlSystematic ProcessAlgorithmETFsStocksSubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
Emotions play a very powerful role in our decision-making, but investment decisions based in logic tend to have a better outcome. In this episode of "Money Guide with Mary Sterk", Mary explains some ways to help you control your emotions so they don't impact your investment decisions in a negative way. Topics include:EconomyRecessionMarket CycleDown MarketBankruptStock MarketPortfolioExpertsProfessional AdvicePlungeInflationInterest RatesJob MarketBudgetIncomeSubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
Can you lay your hands easily on your birth certificate? That is a perfect test for how organized you really are! In this episode of "Money Guide with Mary Sterk," Mary & Sterk Financial Advisor Kelsey Bankey share tips about what financial information to focus on organizing. Topics include:Loan DocumentsDigital AssetsPaper TrailOnline Filing SystemIdentity TheftPassportInsurance PolicyDeedsBank AccountsTax RecordsSubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
Can you lay your hands easily on your birth certificate? That is a perfect test for how organized you really are! In this episode of "Money Guide with Mary Sterk," Mary & Sterk Financial Advisor Kelsey Bankey share tips about what financial information to focus on organizing. Topics include:
Loan Documents
Digital Assets
Paper Trail
Online Filing System
Identity Theft
Passport
Insurance Policy
Deeds
Bank Accounts
Tax Records
Subscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm
Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
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The biggest threat to your portfolio is unbridled emotion. Listen to this episode of "Money Guide with Mary Sterk" as Mary & Sterk Financial Advisor Kelsey Bankey explain how to gain a strong understanding of the most important foundational investment principles, beginning with emergency funds. Topics include:College SavingsEmergency FundStocks & BondsPortfolioAsset AllocationDown MarketFearInternational MarketOil IndustryRisk ToleranceIncomeEconomicsCar InsuranceLiquidity401(k)SavingsTime HorizonRetirementSubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
The primary goal of estate planning is to protect and preserve your family, not your assets. In this episode of "Money Guide with Mary Sterk," Mary & Sterk Financial Advisor Julie Chadwick share how a Family Love Letter can help you do just that. Topics include:LegacyGreedLoveLossLiving WillEstate PlanningAssetsPersonal Property DisposalBeneficiary DesignationsLife InsuranceRetirement FundsMedical Power of AttorneyEthical WillMortgageHome InsuranceBankerFinancial AdvisorSocial SecuritySubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
Your 401(k) might become one of your biggest financial assets. In this episode of "Money Guide with Mary Sterk," Mary & Sterk Financial Advisor Kelsey Bankey learn simple guidelines and tools to help maximize the power of your 401(k). Topics include:RetirementStarbucksInflationInvestmentsAsset ClassesDiversificationLifestyle FundsTarget Date FundsAsset AllocationDivorceBeneficiaryThe Rule of 72ROTH 401(k)Tax-FreeTax DeductionsLimitsSubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm Schedule an appointment with one of our advisors today! www.sterkfinancialservices.com/p/contact
Divorce is difficult - emotionally and financially. In this episode of "Money Guide with Mary Sterk," Mary & Sterk Financial Advisor Kelsey Bankey will educate you about important factors to consider as you move through your divorce towards a brighter future. Contact us today for a Divorce Checklist and ask us about our Divorce Financial Planning Program 605-217-3555. Topics include:401(k)ROTH IRANon-Qualified MoneyInheritanceAssetsAttorneyCounselorTherapistCollaborative DivorceChildrenLiquidityBudgetSubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://tinyurl.com/3x65ejdm Schedule an appointment with one of our advisors today! www.sterkfinancialservices.com/p/contact
The New Year is a great time to overhaul your financial life for the better, and one excellent place to start is by making good financial resolutions. In this episode of "Money Guide with Mary Sterk," Mary & Sterk Financial Advisor Kelsey Bankey share 7 smart resolutions to get your New Year off to a great start! Topics include:Getting OrganizedSavingsDebtRetirementFinancial SoftwareCredit ScoreIdentity TheftPower of AttorneySubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: podcasts.apple.com/us/podcast/mone…rk/id1126426770 Schedule an appointment with one of our advisors today! www.sterkfinancialservices.com/p/contact
It's time to jump-start 2023! In this episode of "Money Guide with Mary Sterk," Mary & Sterk Financial Advisor Julie Chadwick share smart resolutions for you to think about the year ahead and improve yourself from a financial standpoint. Topics include:Credit ScoreEmergency FundSavingsBeneficiariesPer StirpesWillTestamentary TrustPower of AttorneySubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: podcasts.apple.com/us/podcast/mone…rk/id1126426770 Schedule an appointment with one of our advisors today! www.sterkfinancialservices.com/p/contact
The SECURE Act 2.0 will affect most people at some point in their life. In this episode of "Money Guide with Mary Sterk," Mary explains the new law with some preliminary information to help you understand what you need to know at this time. Topics include:ROTH IRARequired Minimum DistributionRetirementBeneficiariesTaxesIRSTax Penalty401(k)Catch-up ContributionsRollover 529Tax-Free BenefitsSubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: podcasts.apple.com/us/podcast/mone…rk/id1126426770 Schedule an appointment with one of our advisors today! www.sterkfinancialservices.com/p/contact
As the end of the year approaches, you may want to take stock to see if there are any strategic tax strategies you need to implement by year's end. In this episode of "Money Guide with Mary Sterk," Mary & Sterk Advisor Kelsey Bankey share insights about smart year-end tax planning that you may want to look into - before it's too late! Topics include:Long-Term After-Tax ReturnsTax CodeNon-Qualified Investment PortfolioRetirementTax Loss HarvestingOffsetting LossesShort-Term Gains and LossesLong-Term Gains and LossesMutual FundsETFsWash Sale RuleGiftingTax BracketBracket BumpingROTH IRA ConversionsPre-Payment of Business ExpensesSubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: podcasts.apple.com/us/podcast/mone…rk/id1126426770 Schedule an appointment with one of our advisors today! www.sterkfinancialservices.com/p/contact
You still have time to capture some timely end-of-the-year tax deductions. In this episode of "Money Guide with Mary Sterk," Mary & Sterk Advisor Kelsey Bankey share some wisdom surrounding end-of-year tax strategy. Topics include:Standard DeductionTax BracketHealth InsuranceAffordable Care ActMortgage InterestDonor-Advised FundTax Loss HarvestingTax AnalysisMedical ReceiptsSubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: podcasts.apple.com/us/podcast/mone…rk/id1126426770 Schedule an appointment with one of our advisors today! www.sterkfinancialservices.com/p/contact
When your company closes its doors, it can be quite traumatic for everyone. In this episode of "Money Guide with Mary Sterk," Mary shares the top 5 must-know tips if you are the one locked out in the cold! Topics include:Income Gap AnalysisCashflowNon-Qualified MoniesROTH IRAInsuranceCOBRATaxesRetirement PlanSubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: podcasts.apple.com/us/podcast/mone…rk/id1126426770 Schedule an appointment with one of our advisors today! www.sterkfinancialservices.com/p/contact
You may be scared to retire during a recession – but it IS possible. If you make the decision to retire, go into it with eyes wide open. In this episode of "Money Guide with Mary Sterk," Mary gives seven tips to consider to retire when you want, at the lifestyle you want, so that you can enjoy the life you want. Topics include:Financial ProjectionsRetirement AccountsInvestment AccountsHealth InsuranceMedicareSocial SecurityEconomic UncertaintyPolitical ConcernsSubscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: podcasts.apple.com/us/podcast/mone…rk/id1126426770 Schedule an appointment with one of our advisors today! www.sterkfinancialservices.com/p/contact
All too often, holiday stress tends to dominate our holiday experience. Without a doubt, this time of year challenges us with unique expenses. In this episode of "Money Guide with Mary Sterk," Mary & Sterk Financial Advisor Julie Chadwick share time-tested strategies to reduce your financial stress and enjoy your holidays more! Topics include: Spending Goals Spending Cap Budget Sales Social Fund Credit Cards
Subscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: podcasts.apple.com/us/podcast/mone…rk/id1126426770
Schedule an appointment with one of our advisors today! www.sterkfinancialservices.com/p/contact
All too often, holiday stress tends to dominate our holiday experience. Without a doubt, this time of year challenges us with unique expenses. In this episode of "Money Guide with Mary Sterk," Mary & Sterk Financial Advisor Julie Chadwick share time-tested strategies to reduce your financial stress and enjoy your holidays more! Topics include:
Spending Goals
Spending Cap
Budget
Sales
Social Fund
Credit Cards
Subscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: podcasts.apple.com/us/podcast/mone…rk/id1126426770
Schedule an appointment with one of our advisors today! www.sterkfinancialservices.com/p/contact
While holidays bring cheer, they also challenge us with a unique layer of financial stress. In this episode of "Money Guide with Mary Sterk," Mary shares time-tested strategies to reduce your financial stress and enjoy your holidays more! Topics include: Credit Score Credit Cards Budget Online Shopping Impulse Buying Time Management Experiential Gifts Homemade Gifts Decorating
Subscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: podcasts.apple.com/us/podcast/mone…rk/id1126426770
Schedule an appointment with one of our advisors today! www.sterkfinancialservices.com/p/contact
While holidays bring cheer, they also challenge us with a unique layer of financial stress. In this episode of "Money Guide with Mary Sterk," Mary shares time-tested strategies to reduce your financial stress and enjoy your holidays more! Topics include:
Credit Score
Credit Cards
Budget
Online Shopping
Impulse Buying
Time Management
Experiential Gifts
Homemade Gifts
Decorating
Subscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: podcasts.apple.com/us/podcast/mone…rk/id1126426770
Schedule an appointment with one of our advisors today! www.sterkfinancialservices.com/p/contact
There's still time to capture some tax deductions this year. In this episode of "Money Guide with Mary Sterk," Mary & Sterk Financial Advisor Julie Chadwick share some tips and strategies surrounding end-of-year tax planning. Topics include: Post-Tax Funnel Pre-Tax Funnel Preferential Tax Treatment Brokerage Account Direct Mutual Fund Account Capital Gains Tax Tax-Sensitive Asset Allocation ROTH Conversion IRA Itemizing Standard Deduction Charitable Contributions Donor-Advised Funds Catch-Up Contribution 401(k) Gifts State Tax Deductions 529 Plan Beneficiaries
Subscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: podcasts.apple.com/us/podcast/mone…rk/id1126426770
Schedule an appointment with one of our advisors today! www.sterkfinancialservices.com/p/contact
There's still time to capture some tax deductions this year. In this episode of "Money Guide with Mary Sterk," Mary & Sterk Financial Advisor Julie Chadwick share some tips and strategies surrounding end-of-year tax planning. Topics include:
Post-Tax Funnel
Pre-Tax Funnel
Preferential Tax Treatment
Brokerage Account
Direct Mutual Fund Account
Capital Gains Tax
Tax-Sensitive Asset Allocation
ROTH Conversion
IRA
Itemizing
Standard Deduction
Charitable Contributions
Donor-Advised Funds
Catch-Up Contribution
401(k)
Gifts
State Tax Deductions
529 Plan
Beneficiaries
Subscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: podcasts.apple.com/us/podcast/mone…rk/id1126426770
Schedule an appointment with one of our advisors today! www.sterkfinancialservices.com/p/contact
At the end of the day, it's not how much you earn, it's how much you KEEP of what you earned. In this episode of "Money Guide with Mary Sterk," Mary & Sterk Financial Advisor Kelsey Bankey share ways to keep more with a concept called tax-sensitive allocation. Topics include:
Tax-Efficient Funnels
Pre-Tax
Post-Tax
Tax-Advantage
IRA
Pension
401(k)
Bank Accounts
Brokerage Accounts
Real Estate
Tax Brackets
Retirement
Capital Gains
Gains Rate
Qualified Dividend Income
Stretch IRA
Municipal Bonds
Mutual Funds
Subscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: podcasts.apple.com/us/podcast/mone…rk/id1126426770
Schedule an appointment with one of our advisors today! www.sterkfinancialservices.com/p/contact
Many of our clients give to charitable organizations - both for personal satisfaction and for the tax deductions. In this episode of "Money Guide with Mary Sterk", Mary shares ways to create positive impact on the world and on your tax return with your giving. Topics include:
Standard Deduction
501(c)(3)
Gift-stacking
Philanthrophy
Itemization
Donor Advised Fund
Estate Planning
Will
Beneficiary
Giving Strategy
If one of the things on your bucket list to do before the end of the year is to get a giving strategy in place and see how that might impact your taxes, give one of our advisors a call! www.sterkfinancialservices.com/p/contact
Subscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: podcasts.apple.com/us/podcast/mone…rk/id1126426770
Schedule an appointment with one of our advisors today! www.sterkfinancialservices.com/p/contact
Losing a spouse is a heartbreaking time, but did you know it also comes with significant financial changes that are often unexpected? In this episode of "Money Guide with Mary Sterk," Mary & Sterk Financial Advisor Julie Chadwick share what to expect financially when your spouse passes away. Topics include:
Life Insurance Estate Documents Will Social Security Bank Statements Investment Statements Deeds Car Title Marriage Certificate Death Certificate Taxes Beneficiaries
Subscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: podcasts.apple.com/us/podcast/mone…rk/id1126426770
Schedule an appointment with one of our advisors today! www.sterkfinancialservices.com/p/contact
Losing a spouse is a heartbreaking time, but did you know it also comes with significant financial changes that are often unexpected? In this episode of "Money Guide with Mary Sterk," Mary & Sterk Financial Advisor Julie Chadwick share what to expect financially when your spouse passes away. Topics include:
Life Insurance
Estate Documents
Will
Social Security
Bank Statements
Investment Statements
Deeds
Car Title
Marriage Certificate
Death Certificate
Taxes
Beneficiaries
Subscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: podcasts.apple.com/us/podcast/mone…rk/id1126426770
Schedule an appointment with one of our advisors today! www.sterkfinancialservices.com/p/contact
Planning for retirement has a lot of moving parts. Many people wonder if they have thought of the potential pitfalls that can derail a retirement. In this episode of "Money Guide with Mary Sterk," Mary & Sterk Financial Advisor Kelsey Bankey discuss four retirement expenses that might catch you by surprise. Listen in to learn how to safeguard against issues that you might not have ever thought of!
Topics include:
Medical Co-Pays
Medicare
Home Healthcare
Assisted Living
Financially Supporting Grandchildren
Inflation
Subscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: podcasts.apple.com/us/podcast/mone…rk/id1126426770
Schedule an appointment with one of our advisors today! www.sterkfinancialservices.com/p/contact
How do the wealthy invest during market downturns? They know there can be wonderful opportunities if you have the right frame of mind, the right information and the right emotional capability to take advantage of them. In this episode of “Money Guide with Mary Sterk,” Mary shares tips for strategic investing during a recession.
Topics include:
Supply & Demand
Inflation
Dollar Cost Averaging
Cash on the Sidelines
Non-Qualified Accounts
Employer Retirement Plans
Capital Gains & Losses
Short Term Gains
Long Term Gains
Wash Sale Rule
ROTH IRA Conversion
Subscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: podcasts.apple.com/us/podcast/mone…rk/id1126426770
Schedule an appointment with one of our advisors today! www.sterkfinancialservices.com/p/contact
Recession talk is on everybody’s mind. When people get emotional and nervous about investing, they start to make mistakes. In this episode of “Money Guide with Mary Sterk,” Mary shares tips to help you understand recessions, and strategic ideas to help you navigate your investments during a recession. Topics include:
Risk-Aligned Investing
Flexible Selling Pattern
Flexible Spending
Diversification
Asset Allocation
Real Estate
Riding the Market
Buy Low / Sell High
Subscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: podcasts.apple.com/us/podcast/mone…rk/id1126426770
Schedule an appointment with one of our advisors today! www.sterkfinancialservices.com/p/contact
Some people retire together, and some stagger their dates. Is there a best way? In this episode of "Money Guide with Mary Sterk," Mary & Sterk Financial Planner Julie Chadwick explore the pros and cons of separate retirement dates. Topics include:
Income Gap
Expenses
Budget
Cash Flow
Social Security
Health Insurance
Part-Time Work
ROTH IRA
Subscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: podcasts.apple.com/us/podcast/mone…rk/id1126426770
Schedule an appointment with one of our advisors today! www.sterkfinancialservices.com/p/contact
So you want to retire rich? If so, listen in to this episode of "Money Guide with Mary Sterk" as Mary shares financial tips from some of the world's wealthiest women. Topics include:
J.K. Rowling
Naomi Judd
Heidi Klum
Georgina Hancock Rinehart
Abigail Johnson
Subscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: podcasts.apple.com/us/podcast/mone…rk/id1126426770
Schedule an appointment with one of our advisors today! www.sterkfinancialservices.com/p/contact
Retirement right around the corner? In this episode of "Money Guide with Mary Sterk," Mary shares seven key strategies that you should put into action during the decade before you retire:
1. Save as much as possible
2. Pay down debt
3. Set up a bucket plan
4. Get your estate docs in order
5. Pick a time to start your social security
6. Learn about your retirement health care options
7. Develop a relationship with a trusted financial planner who is a fiduciary
Topics include:
Pension
Investments
Living Will
Power of Attorney
Medicare
Subscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: podcasts.apple.com/us/podcast/mone…rk/id1126426770
Schedule an appointment with one of our advisors today! www.sterkfinancialservices.com/p/contact
Got a pension that is offering you a lump sum buyout option? Comparing the choices can be confusing. In this episode of "Money Guide with Mary Sterk," Mary and Sterk Financial Advisor Kelsey Bankey share top tips to help you understand the best choice for you when offered a pension lump sum option. Topics include:
Defined Benefits
Frozen Benefits
Annuity Options
Single Life Annuity
Joint & Survivor Annuity
Pension Maximization
Subscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://podcasts.apple.com/us/podcast/money-guide-with-mary-sterk/id1126426770
Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
In this episode of "Money Guide with Mary Sterk," Mary talks about why inflation is such a big deal, what to know about stagflation, and how you might control or adjust your own consumer spending.
Topics include:
Inflation
Market Volatility
Supply Chain Issues
Consumer Spending
Gas Prices
Labor Force Participation
Wage Growth
Supply Shock
Poor Economic Policies
Subscribe to the “Money Guide with Mary Sterk” podcast: podcasts.apple.com/us/podcast...
Schedule an appointment with one of our advisors today! www.sterkfinancialservices.com/p/contact
In this episode of "Money Guide with Mary Sterk," Mary shares strategies to overcome bad decision-making during down markets, as well as time-tested ways to invest when markets are volatile. Topics include:
Market Volatility
Emotional Reactions
Investment Decisions
Herd Mentality
Historical Perspective
Bear Markets
Negative News
Buying Opportunity
Tax Loss Harvesting
Tax Gain Management
Repositioning
Roth IRA Conversion
Risk Tolerance Level
Retirement Accounts
Subscribe to the “Money Guide with Mary Sterk” podcast: https://podcasts.apple.com/us/podcast...
Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact
Many of our clients give to charitable organizations - both for personal satisfaction and for the tax deductions. In this episode, Mary Sterk shares ways to create positive impact on the world and on your tax return with your giving.
Women face a unique set of challenges when it comes to investment and retirement planning. In this episode, Mary Sterk breaks down some critical issues and how to wrap solutions around them.
Ever wondered when you should be doing certain things to help plan your retirement? In this episode, Mary Sterk breaks down key strategies and when to deploy them leading up to your retirement date.
There is a lot to know when it comes to investing. In this episode, Mary Sterk dives into some key investing concepts to help educate you on your path to portfolio management.
Skittish about the current markets? Inflation and political concerns creating anxiety? In this episode, Mary Sterk shares 7 tips for those who are nervous about today's markets.
The pandemic gave people time to really think about what matters most. For many, that means less time working. In this episode, Mary Sterk discusses The Great Resignation that may be upon us, and how that can shift your career and retirement plans.
It's easy to say you need to have good asset allocation - but what does that really mean? In this episode, Mary Sterk dives into a deeper understanding about allocating assets in a way that really resonates with your own personal situation.
Recent headlines have been talking about runaway inflation - but should it really strike fear into your heart? In this episode, Mary Sterk dives into how inflation affects your own pocketbook and how to cut through the headlines to understand the real data.
If you’re not confident that your retirement plan is on track to deliver the lifestyle you want amid historic levels of uncertainty, you’re in the right place. In this episode, Mary Sterk shares strategies to build confidence about retiring during uncertain times.
It's that time of year - spring is busting out all over! People are clearning out their flower beds, their garages… and their finances! In this episode Mary Sterk shares some valuable spring cleaning tips when it comes to your money and finances!
Ever wonder what money moves to make before you turn 65? In this episode Mary Sterk shares 4 strategies that are key to put in place before your 65th birthday!
So many celebrities have made big money mistakes. How can you avoid them? In this episode Mary Sterk shares strategies to avoid making the same mistakes that cost the celebrities millions!
A great retirement is about more than just the money - its about your whole life. In this episode Mary Sterk shares 3 key pillars that can contribute to a retirement worth living.
Feeling concern about high markets? You are not alone! Many investors begin to feel uncomfortable as markets climb, wondering how long it can last. In this episode Mary Sterk shares strategies and tips for investing while markets are high.
Wondering how the proposed Biden tax changes may affect you and your pocketbook? In this episode Mary Sterk discusses some of the provisions and how they may impact you, your family, and your money.
This year has been a doozy! But if you really look at things, this is the best time to ever have been alive. In this episode Mary Sterk breaks down key areas that have improved over time and how they relate to your retirement planning right now.
What impact do you want to make on the world when you are gone? Will part of your legacy be financial? In this episode Mary Sterk dives into strategies surrounding the question - What will your legacy be?
When there is uncertainty in the world, emotions tend to drive investing decisions. That could cost you a lot in the long run. In this episode Mary Sterk shares strategies to manage your emotions and your portfolio during times of uncertainty.
Investing your portfolio is a delicate dance - and extreme views can potentially trip you up. In this episode Mary Sterk shares some extreme investing views and how to avoid them.
Who wants to be a millionaire? And if you are, will that get you through a comfortable retirement? In this episode Mary Sterk shares tips and strategies to help make a million dollar portfolio last in retirement.
Concerned about big losses if the market goes down? In this episode Mary Sterk shares ways to potentially de-risk your portfolio to smooth out the effects of wild market volatility.
IRA's can be confusing for people - what type should I use? How much can I put in? How are they taxed? In tis episode Mary Sterk sheds light on the top 10 things to know about IRA's.
What should you do with your old 401(k) plans? And how should you be setting up your current ones? In this episode Mary Sterk delves into the options, pros and cons surrounding your 401(k).
Financial independence is important to women. And for those women looking to build wealth, having the right mindset and investing skills is key. In this episode Mary Sterk shares 5 important things every woman should know about investing.
Retirement right around the corner? In this episode Mary Sterk shares seven key strategies that you should put into action during the decade before you retire.
The presidential election is right around the corner, and this time seems different. In this episode Mary Sterk looks at the markets during past elections and shares key things to consider about managing your portfolio through the election cycle.
Passing down the family farm can be full of difficult decisions. What is fair is not always equal, and what is equal is not always fair. In this episode Mary Sterk sheds light on some ways to effectively pass down the family farm to keep the land in the family for generations to come.
The Covid-19 crisis has made many of us rethink our own mortality -and thus our estate plans. In this episode Mary Sterk shares important tips regarding setting up your estate and financial planing to make sure you leave what you want to whom you want as tax efficiently as possible.
Sick of the news? It seems every time you turn around there is another negative headline. It's enough to make any investor shake in their boots! In this episode Mary Sterk shares a historical perspective of the markets to help guide your investment journey no matter what the news says!
Losing a job is one of the most stressful experiences a person can go through. Unfortunately there are many victims of job reductions due to the pandemic. In this episode Mary Sterk shares the top 5 must know financial tips if you have been laid off and lost your job.
There is a lot of chatter in the financial industry right now about negative interest rates. But what are they and how do they affect YOU? In this episode Mary Sterk breaks down what negative interest rates are, and how it can directly affect your pocketbook.
We have all learned many life lessons during the Covid-19 pandemic. But what has it taught us specific to retirement? In this episode Mary Sterk breaks down some key points that affect people approaching retirement that became very apparent during the 2020 down markets.
When things are great we tend to think that nothing can stop us. When they are bad, we fear catastrophic failure. In this episode Mary Sterk takes you through the emotions and investor feels during a typical market cycle, and how you can use this knowledge to avoid common mistakes.
Claiming your Social Security is an action most Americans have to take, yet there are over 500 different possible combinations of benefits you can choose from. In this episode Mary Sterk breaks down the main points of social security so you can begin to make an educated decision about how you claim benefits.
The market has rebounded from it's covid-19 lows. So what should you be doing now with your portfolio? In this episode Mary Sterk shares strategies that focus on the opportunities within this market rebound.
Markets go up and markets go down. In this episode Mary Sterk breaks down the major events and how the markets reacted over the last 9 decades. Source: Franklin Templeton
Once the big 5-0 has rolled around, investing can take on a whole new perspective. So what should you be doing when investing in your 50's? In this episode Mary Sterk shares practical tips and actionable strategies to maximize your investment planning in your 50's.
There are a lot of headlines right now about consumer spending being down. But what does that mean to your portfolio and the market as a whole? In this episode Mary Sterk shares connections between the markets and how yo spend your hard earned dollars.
There is a lot of chatter in the media about the stock markets being disconnected from the reality of the current Covid-19 economy. In this episode Mary Sterk shares some key insights about how markets and recessions interconnect.
So you have planned for a good retirement, and then BOOM. Something catches you off guard that you didn’t financially plan for. In this episode Mary Sterk shares some ticking time bombs that can destroy your retirement - and how to plan around them.
With the downturn in the market the first quarter of 2020, and the passing of the CARES act - its time to revisit the concept of Roth conversions. In this episode Mary Sterk shares the rules, the strategy and what to consider to determine if a Roth conversion is right for you.
Wondering if your retirement plans have been derailed because of the Covid 19 crisis? In this episode Mary Sterk discusses what has changed, what remains the same, and how to plan for retirement amidst the uncertainty of today.
Afraid taxes will take a big bite out of your retirement money? In this episode Mary Sterk shares some very important tax challenges that faces retirees, and how to put strategies in place to keep more in your pocket!
The Care Act, passed on March 27 2020, contained a multitude of provisions to help stimulate the economy. In this episode Mary Sterk explains 10 provisions that directly affect you and your pocketbook!
Opportunities abound inside of volatile markets - if you know where to look for them. In this episode, Mary Sterk shares a number of strategies you can use to take advantage of the current markets, leverage taxes, and take full advantage of the recent Fed changes.
The recent volatility in the market has many investors feeling nervous about their investment portfolio. In this episode Mary Sterk reviews what has transpired in the recent market downturn, and what to keep in mind as you navigate these choppy investing waters.
Money doesn’t come with instructions, and sometimes it's difficult to find balance in your relationship with it. In this episode Mary Sterk shares strategies to find that elusive balance to help build your financial confidence.
Emotions can take a heavy toll on investment returns. In this episode Mary Sterk dives into what mistakes to avoid and how to stay on track with your investing In times of uncertainty. Information from: Valor Capital Management
Many people are afraid that a pandemic like the Coronavirus will devastate the markets. In this episode Mary Sterk shares insights on past health scares and how they have affected broad markets over time.
Making simple mistakes in your estate planning can cost a lot of money. In this episode Mary Sterk and special guest attorney Dan Dykstra share strategies to avoid losing mega bucks due to poor planning.
Do you have habits that are sabotaging your financial success? In this episode Mary Sterk digs into some horrible money habits and how to recover from them!
The Secure Act brought sweeping changes into the Retirement Planning arena. But how does it affect YOU? In this episode,Mary Sterk shares the changes that are most impactful, and how to understand the personal effect to your own situation.
Did you know that employee financial stress is costing your business mega dollars in lost productivity? In this episode Mary Sterk sheds some light on the true cost of this issue, and creative solutions to boost productivity by easing the stress on your team.
Ever wondered what questions everyone else is asking about money? In this episode Mary Sterk dives into the most common googled financial questions - and provides some great answers!
"Grandparents have so much wisdom to offer - including financial advice. The lessons they have learned from a lifetime of handling money are valuable to us all.
In this episode Mary Sterk shares sound financial advice that you can share with your grandkids. This proven advice will set the tone for great chats with grandkids who are eager to learn a thing or two about money."
Did you know you can reduce your taxes by making a QCD right out of your IRA? A QCD, also known as a Qualified Charitable Distribution, can be a great way to strategically reduce your tax bill. But there are nuances and rules surrounding it that are important to understand. In this episode Mary Sterk shares some tips to help you maximize your QCD opportunity.
Socially responsible investing is an investment strategy that has been gaining recognition and traction in recent years. With news of shady and illegal investment deals becoming common, some investors have begun to insist that the companies they invest in make socially responsible choices. In this episode Mary Sterk dives into the nuts and bolts of socially conscious investing to help you determine if it's a right fit for your portfolio.
Have you heard about The Fragile Decade - the one that could blow up your whole retirement plan? In this episode Mary Sterk explores the concept of the fragile decade and how to try to mitigate the risks associated with it so you can retire with more confidence.
Can you lay your hands easily on your birth certificate? That is a perfect test for how organized you really are! In this episode Mary Sterk shares tips about what financial information to focus on organizing.
What a bummer- Medicare costs are going up! In this episode Mary Sterk shares what to expect from the recent Medicare cost hikes and how they can impact your retirement budget.
All too often, holiday stress tends to dominate our holiday experience. Without a doubt this time of year challenges us with unique expenses. In this episode Mary Sterk shares time tested strategies to reduce your financial stress and enjoy your holidays more!
All too often, holiday stress tends to dominate our holiday experience. Without a doubt this time of year challenges us with unique expenses. In this episode Mary Sterk shares time tested strategies to reduce your financial stress and enjoy your holidays more!
Small daily habits can contribute to your financial success. In this episode Mary Sterk discusses several micro habits that can boost your financial life in a positive way!
If you want to retire like the rich do, you have to learn some of the basic money lessons the rich know and practice. In this episode Mary Sterk shares strategies designed to create the financial retirement success you desire!
There is still time to capture some tax deductionsthis year. In this episode Mary Sterk shares some tips and strategies surrounding end of year tax planning.
Talking to your aging parents about their finances can be a rough conversation - full of hidden pitfalls and awkward pauses. But it doesn't have to be. In this episode Mary Sterk shares valuable tips on how to make talking to your aging parents about their finances a productive and valuable conversation.
Many people wonder if taking a 401(k) loan is a smart move. In this episode Mary Sterk discusses pros and cons of 401(k loans to help you make a strong decision.
Adjusting to life financially after a divorce can be a complex and very emotional journey. In this episode Mary Sterk guides you through some tips and strategies to make that post divorce financial journey just a little bit easier.
Do you really need life insurance? In this episode Mary Sterk sheds light on the life insurance arena to help you decide if you really need some.
At the end of the day it'snot how much you earn, it's how much you KEEP of what you earned. In this episode Mary Sterk shares ways to keep more with a concept called tax sensitive allocation.
Don't want your family fighting after you are gone? In this episode Mary Sterk shares the top 3 estate planning Must Do's to prevent your estate planning from turning into a horror story!
What do the wealthy know about retirement that you don’t? In this episode Mary Sterk shares key strategies that the wealth use during retirement that might help you create financial success!
Don't want to lose your life savings to the nursing home? In this episode Mary Sterk shares ways to effectively plan for long term care without sacrificing all of your heard earned assets!
Many people are confused about the best way and the best time to begin taking their social security check. In this episode Mary Sterk discusses ways to maximize your own personal social security.
Back to school equals time to save for college! In this episode Mary Sterk discusses several ways to save for college on a tax favored basis.
Roth IRA's can be a fantastic tool for retirement - if you follow the rules! In this episode Mary Sterk shares the Rules Of The Roth.
Money issues can create complications in even the strongest of marriages. In this episode Mary Sterk discusses items that can create discord, and how to overcome marriage & money obstacles.
What might become your biggest retirement asset? Your 401(k)! In this episode Mary Sterk shares some tips to help maximize the power of your 401(k).
Managing your portfolio has a lot of moving pieces. Whether you are a do-it-yourself-er or just want to go beyond the basics it's important to learn about investing at a higher level. In this episode Mary Sterk discusses strategies of strong portfolio management to help avoid common pitfalls that investors frequently make.
The sad truth is that there are some unique retirement planning challenges that women face. In this episode Mary Sterk sheds light on the issues and solutions to help you make the most of your retirement.
When you have a special needs situation there are some unique financial planning methods available to you. In this episode, Mary Sterk dives into effective planning tools for the special needs people that you love.
We keep our "stuff" in so many places - in files, in a safe, on-line, or at the bank safety deposit box. How can you keep them all straight? In this episode Mary Sterk shares ways to keep yourself organized with a Personal Document Locator.
Ever wished you had answers to your financial questions? In this episode Mary Sterk shares some of the most commonly asked questions …and the answers you have been dying to know!
In today's busy world there are SO many numbers to keep track of! In this episode Mary Sterk shares key financial numbers that are important to YOU!
Most investments have some type of fee. In this episode Mary Sterk demysifies how investment fees work so you can understand how to make your money work for you.
What do you want for your wealth? In this episode Mary Sterk discusses ways to plan, protect and grow your money.
Investing has a lot of moving parts - and it is easy to make mistake's that can have big consequences. In this episode Mary Sterk discusses some common investor mistakes and shares tactics invest like a pro!
Many people facing retirement are confused about health insurance options, Social Security choices, and how to invest their retirement accounts. In this episode Mary Sterk discusses these issues and highlights strategies to prepare for a successful retirement. She also offers a unique set of tools that will help you with your planning so you can retire with confidence.
Mother's Day gives us a chance to celebrate our moms and consider the fine financial lessons they have taught us. In this episode Mary Sterk shares some of the ways finances have changed over the years and how our mother's influence our financial decisions every day.
Cleaning your home and yard is a time-honored tradition as spring begins to bloom. But have you ever thought to spring-clean your finances? In this episode Mary Sterk shares nuggest of wisdom to help spot potential opportunities to "clean up" and set yourself on the path to financial growth and security.
How should you invest a large amount of money? In this episode Mary Sterk shares investing strategies for serious money.
Sometimes disaster strikes, and it can leave us reeling and in search of answers. In this episode Mary Sterk explores several major types of financial disasters - along with how to prepare for and cope with them.
Have you ever worried about your money not lasting during retirement? In this episode Mary Sterk shares strategies to make your money last and retire smart!
Getting and staying organized isn't easy! In this episode Mary Sterk shares some Marie Kondo - like tips to help you decluter your financial life!
Have you ever wondered what the rich people know about money that you don't? In this episode Mary Sterk shines some light on tips to build and maintain wealth.
Some people retire together, and some tagger their dates. Is there a best way? In this episode Mary Sterk explores the pros and cons of separate retirement dates.
When your company closes it's doors it can be quite traumatic for everyone. In this episode Mary Sterk shares the top 5 must know tips if you are the one locked out in the cold!
There is a lot more to retirement than money, but the more you have, the more confident you will be! In this episode Mary Sterk shares proven strategies to handle money during retirement.
As Sterk Financial Services celebrates is 15 year anniversary, we pause to consider how to make the next 15 years even better. In this episode Mary Sterk shares tips to make the next 15 the best 15.
What is Lifestyle Financial Planning? In this episode Mary Sterk shares the meaning of this type of planning and how it can benefit you.
Understanding how the government budgets can give yo insight into your own! In this episode Mary Sterk shares insight about the government budgeting process, the shutdown, and how that relates to YOU.
Planning for retirement can be complex. In this episode Mary Sterk sheds light on some pitfalls that might block your path towards a comfortable retirement.
So you want to retire rich? If so listen in as Mary Sterk shares financial tips from some of the worlds wealthiest women.
Part of good estate planning is figuring out what to do with your "stuff". In this episode Mary Sterk shares tips for cleaning out your own stuff, as well as ways to handle the estate of a loved one.
In your 50's and thinking ahead towards retirement? In this episode Mary Sterk shares top money tips for the financially savvy in their 50's!
New Year - new resolutions! In this episode Mary Sterk shares smart resolutions for listeners to jump start 2019!
Good credit is a major part of a healthy financial life. In this episode Mary Sterk shares some must know nuggets of truth surrounding having excellent credit.
Many people thing you need to win the lottery or get crazy lucky to become a millionaire. In this episode Mary Sterk debunks some common myths about how millionaires are made.
Oprah Winfrey is a modern day icon and one of the richest women alive. In this episode Mary Sterk shares some of Oprah's money quotes and how to integrate this wisdom in our daily lives.
Entrepreneurs are known for taking business risk, but are they putting their portfolios at risk too? In this episode Mary Sterk shares some money mistakes entrepreneurs make and how to avoid them!
You still have time to capture some timely end of the year tax deductions. In this episode Mary Sterk shares some wisdom surrounding end of year tax strategy.
While holiday's bring cheer, they also challenge us with a unique layer of financial stress. In this episode Mary Sterk shares time tested strategies to reduce your financial stress and enjoy your holidays more!
We all hear about costs rising, but did you know there are 5 specific expenses that actually decrease or go away entirely in retirement? In this episode Mary Sterk sheds some light on keys expenses you WON'T have to keep planning for.
White sand, sunny beach… early retirement? If that's your ideal life you wont' want to miss Mary Sterk sharing these important must know early retirement tips!
Caring for an aging parent presents loving opportunities, but also can bring difficult challenges as you transition towards handling their finances. In this episode Mary Sterk discusses various strategies to assist your aging parents with their finances - everything from bill paying to structuring investment to nursing home decisions. Listen in to help take the complexity and uncertainty out of parent care and move forward with clarity and confidence.
When it comes right down to it, retirement planning follows some basic fundamental principles. In this episode Mary Sterk details out 10 commandments of retirement.
Ever wondered what the wise investors already know? In this episode Mary Sterk shares some wisdom of the ages surrounding investing and saving.
So you have 1 Million Dollars - but does that mean you can retire? In this episode Mary Sterk shares important strategies to make sure your million doesn’t run out too soon.
Ever wanted to super charge your tax deductions for charitable giving? In this episode Mary Sterk shares strategies to create massive current year tax deductions using Donor Advised Funds.
Ever wonder what the best way to use your HSA is? In this episode Mary Sterk covers the must know details surrounding when and how to best use your HSA.
There are certain accounts that contribute to a person's financial success. In this episode Mary Sterk discusses the 6 accounts everyone should have.
Have a $500,000 + portfolio? In this episode Mary Sterk shares some Must Know Tips that you won't want to miss!
Many people would love to retire early, but aren’t quite sure how to set things up to do so. In this episode Mary Sterk shares 10 tips to retire early.
Ever wonder what creates personal financial success? In this episode Mary Sterk shares 3 critical metrics that financially successful people pay attention to.
The money issues your grandparents faced have changed. In this episode Mary Sterk shares money problems from the past, and modern day solutions you can apply today.
College can be a wonderful experience, but it also can be very expensive! In this episode Mary Sterk shares strategies to save and plan for college.
There are a lot of experts who provide guidance when it comes to retirement. In this episode Mary Sterk shares insights from actual retired people about what they have found to be the most important tips of all!
You may have heard that investing in real estate can be a good idea. In this episode Mary Sterk talks about some important real estate investing basics so you can better understand if it's a good fit for you!
There is no end of ways we can spend our hard earned cash. In this episode Mary Sterk talks about 6 of them that might be expensive, but from a quality of life perspective are totally worth it!
An investor's journey covers a lot of life events - from your first real job to spending your last dollar. In this episode Mary Sterk highlights different parts in that journey and important tidbits to help you along your own path.
There are a lot of hot button topics that can impact your retirement regardless of your political stance. In this episode Mary Sterk talks about 6 of them that might impact YOU!
We all want to live in a better world. Is impact investing the way to go? In this episode Mary Sterk shares tips and strategies so yo know if impact investing is right for you.
Understanding all aspects of your financial life, is crucial to becoming confident about money. But often, we’re too embarrassed or uncomfortable to talk about money openly. In this episode Mary Sterk sheds light on the top 10 most embarrassing money topics - and how to start communicating about them.
The primary goal of estate planning is to protect and preserve your family, not your assets. In this episode Mary Sterk shares how a Family Love Letter can help you do just that.
What is that old stuff worth? In this episode Mary Sterk shares some fun financial lessons learned from the popular TV show American Pickers.
You might think the rich and famous had it all figured out - but the aftermaths of their estate planning nightmares show us that is definitely not true! In this episode Mary Sterk shares some famous estate planning debacles and the lessons of what NOT to do!
Many people are interested in gradually transitioning into retirement. A great way to semi-retire is to pursue hobbies that can also bring in some cash. In this episode Mary Sterk shares a number of hobbies that can help fund your retirement years.
Got a pension that is offering you a lump sum buyout option? Comparing the choices can be confusing. In this episode Mary Sterk shares top tips to help you understand the best choice for you when offered a pension lump sum option.
The art of saving and investing money is totally different than the art of turning that savings into retirement income. In this episode Mary Sterk shares must-know tips to maximize your retirement income.
Spring is upon us! It's a fresh start, and many people like to freshen their finances! In this episode Mary Sterk shares tips to Spring Clean Your Finances.
There are many experts in the investment field. In this episode Mary Sterk shares nuggets of wisdom from some of the greatest minds in financial history. From Warren Buffett to Peter Lynch - you won't want to miss hearing this!
Did you know that most retirements average around 27 years…. And that is 10,000 days! You might be preparing for it, but retirement is not the final goal. In this episode Mary Sterk shares ways to rethink this 10,000 day chapter of your life so you can make the most of retirement!
There are lots of Rules Of Thumb - but which ones make sense for you? In this episode Mary Sterk shares some Retirement Rules of Thumb worth paying attention to!
When you love someone that has a brain disease, you may find yourself in a caregiver role both for health and finance. In this episode Mary Sterk shares ways to spot the need to offer assistance and what you can do to help with the finances.
Did you know that March Is Asset Management Awareness Month? In this episode Mary Sterk shares key strategies you should be aware of when investing your hard earned money.
If you could achieve all of your financial dreams just by snapping your fingers and saving a few dollars life would be very simple! But since things are a bit more complex, you may need a financial planner to help guide you along the way. In this episode Mary Sterk shares the most common times people need the services of a planner and how that can benefit you.
Corrections scare the heck out of people. For some, panic sets in and it feels like they could loose it all. In this episode Mary Sterk discusses market corrections and what to be thinking about as a savvy investor.
So you think you have your retirement budge all planned out. Think again! In this episode Mary Sterk shares some surprising retirement expenses that you might not know about.
You have heard the story a dozen times - former lottery winner now is dead broke. Why does this happen? There are some reasons that seem to repeat themselves, and some strategies that you can use to avoid having this happen. If you have inherited money, won the lottery, or simply have some type of windfall money this episode is for you! Listen in as Mary Sterk shares common reasons why this occurs and how to prevent the loss of your windfall money!
Investing money is complex - and different strategies make the most sense in certain market cycles. In this episode Mary Sterk shares some smart strategies for investing when the markets are high.
The Tax Reform has passed, but how does it affect you? In this episode Mary Sterk shares a number of changes that might impact your tax situation going forward.
Divorce is difficult - emotionally and financially. In this episode Mary Sterk will educate you about important factors to consider as you move through your divorce towards a brighter future.
Long Term Care Insurance can be both confusing and costly. In this episode Mary Sterk will eliminate the complexity. Listen as she explains in simple terms how typical policies work, and how to compare pros and cons of different types of coverage.
If you are within 5 years of retirement there are some important ducks to get in a row. In this episode Mary Sterk reviews crucial decisions to make during the 5 years before retirement.
The New Year is a great time to overhaul your financial life for the better, and one excellent place to start is by making good financial resolutions. If you are over age 50, there are some specific resolutions that can help get you closer to your own personal money goals. In this episode Mary Sterk shares 5 smart resolutions for listeners over 50 to get your 2018 off to a great start!
The holiday movie tradition brings a smile and warm memories to many people. But did you know that holiday movies are filled with great money lessons?In this episode Mary Sterk shares fun financial lessons learned from heartwarming holiday movies. From learning the true value of a gift to how to measure wealth, these insights will be sure to delight every movie lover.
Certain ages bring with them certain financial changes. In this episode Mary Sterk discusses 6 milestone birthdays and how they impact you.
Sometimes getting started is the hardest part. If you are wanting to establish yourself financially - or if you are looking to help kids or grandchildren get a solid footing, tune in to hear Mary Sterk share easy tips to start saving today.
Women are controlling more of the wealth than ever before. You may be wondering how to turn that into personal wealth. In this episode Mary Sterk shares 5 Secrets of Wealthy Women.
Money is an important part of life - no doubt about it. It provides food, shelter and clothing - along with security, comfort and fun. But what is your money really worth? In this episode Mary Sterk talks about the value of money, and how to align your money with the life you want to lead.
As the end of the year approaches you may want to take stock to see if there are any strategic tax strategies you need to implement by year end. In this episode Mary Sterk share insights about smart year end tax planning that you may want to look into - before it's too late!
Bull markets are followed by bear markets are followed by bull markets are followed by bear markets are followed by…. But what does that really mean to you? In this episode Mary Sterk discusses the history of the bull and bear markets and how it impacts you.
Festive decorating, chaotic traveling, buying gifts, and Chrismas cooking tend to dominate our holiday experience. Without a doubt the holiday's challenge us with obligations and unique expenses. Some holiday stress can be avoided by not blowing your budget or going into debt. In this episode Mary Sterk shares 5 time tested strategies to reduce your financial stress and enjoy your holidays more!
When does another $1,000 of income trigger a 55% tax? In this episode Mary Sterk discussed how income, capital gains, and social security integrate to create your retirement tax bill. Learn how to understand the impact of taking additional income, and strategies to maximize the amount of social security you get to keep.
Staying organized and on top of your financial records is no easy feat while you are alive. Imagine how hard it would be for your loved ones to fully grasp your financial picture when you can no longer handle it yourself! The Family Estate Organizer™ represents one, simplified, and organized place for you and your family to always know where all of your important documents are. In this episode Mary Sterk discusses how The Family Estate Organizer can help you, your family, and your estate planning.
Managing your portfolio has a lot of moving pieces. Whether you are a do-it-yourself-er or just want to go beyond the basics it's important to learn about investing at a higher level. Avoiding these all too common Portfolio Pitfalls can make a difference to your overall financial success in the long run. In this episode Mary Sterk discusses 3 key strategies of strong portfolio management to help avoid common pitfalls that investors frequently make.
It's big in the news - robo-advice for discounted costs. But is it right for you? In this episode Mary Sterk discusses the pros and cons of robo-advice and shares insight about how the human touch can often make a difference.
Many investors think they understand the concept of diversification - but most portfolios fall victim to skew which can damage results in both an up or down market. Why? Because asset classes respond different to stimuli in the world. What works in one setting may not work in another.
In this episode Mary Sterk discusses how to allocate and maintain a diversified portfolio.
Estate planning now involves more than just your money - it also includes your digital assets. Passwords, photos, digital intellectual property - the values can add up to significant amounts. However many people ignore these things in their estate plan. In this episode Mary Sterk shares smart ideas on how to include digital assets in your estate plan.
Floods, tsunamis, hurricanes - what do they all have in common? Financial devastation for many involved. The recent damage from Hurricane Harvey begs the question - do natural disasters affect the markets? In this episode Mary Sterk investigates the ripple affect in the markets caused by some of the world's largest disasters.
It's back to school time and college savings is on many peoples minds. Parents & Grandparents alike can learn how how to best help that budding scholar - from 529 plans to life insurance to Roth IRA's. In this episode Mary Sterk discusses several ways to save for college on a tax favored basis.
Retirement for the high net worth comes with it's own particular brand of unique financial planning issues. In this episode Mary Sterk discusses strategic advice for those with portfolios of over a million dollars.
It's no surprise that money issues can create stress fractures in even the strongest of marriages. In this episode Mary Sterk talks about great questions for couples to discuss that are designed to best understand each others money mindsets.
Don’t pay a dollar more taxes then you have to! Sure - this is good advice, but it can be complicated to find every deduction and credit you can take. In this episode Mary Sterk shares a few mid year tax hacks to help keep more of your money in your own pocket.
People of all wealth levels have unique struggles, worries and challenges when it comes to money. While the financial problems of the wealthy may often be labeled "first world problems", they still create levels of stress and anxiety for many people. From relationship issues to business problems, managing a large fortune can be a time consuming and difficult task. In this episode Mary Sterk discusses 10 of the top worries that people with larger amounts of money often have.
There are only a few ways to actually get rich. In this episode Mary Sterk shares wise words to help you on your money making journey.
Many people simply have no idea how much money they will spend when they retire. It all comes down to the lifestyle you want to live and how you wish to spend your time. In this episode Mary Sterk breaks down the way to look at spending during your Golden Years.
Summer can get really expensive when the grandkids come to stay! In this episode Mary Sterk offers some budget friendly ideas to enjoy the lazy summer days with those grandkids you love - without breaking the bank!
After many delays, the new DOL rules went into effect June 9 regarding the fiduciary standard. This impacts consumers in a variety of ways. If you have money in retirement accounts, it affects money going in, money coming out, and money transferring to a different retirement account. In this episode Mary Sterk shares what that new fiduciary rules mean for you and your retirement accounts.
There are many types of IRA's - and people frequently don’t understand the differences or some of the rules. In this episode Mary Sterk gives you an IRA overview in a simple and easy to understand way.
You're getting married! Finances are a major part of your new union. Each person brings their financial background, money philosophies, spending habits into the new marriage. Good communication and planning is the key to a healthy financial future together. In this episode Mary Sterk shares savvy financial tips for the Bride To Be!
We all want to make smart financial decisions. With so much information easily accessible through the internet you would think that would be easy! But most people still feel confused. In this episode Mary Sterk shares her thoughts on what is worth it - and what is not!
Graduates have a lot of financial things coming at them. High school grads are contemplating how to pay for college, moving out on their own and getting their first real job. College grads today are often faced with large debt loads and poor credit. In this episode Mary Sterk educates you on how to start the next phase of life on the right financial foot - including emergency fund basics, smart budgeting, credit building, and handling student loans.
Mother's Day gives us a chance to celebrate our moms and consider the fine financial lessons they have taught us. From metering out an allowance for chores, to re-purposing items most would have thrown away - mom's definitely have a lot to teach us. In this episode Mary Sterk shares some of the great lessons she learned from her mother, and some of the things she felt were most valuable to pass down to her own children.
Dealing with money can be uber stressful. Several studies indicate financial stress can lead to symptoms similar to PTSD! In this episode Mary Sterk discusses several of the most stressful financial situations people encounter and offers practical tips to help guide you towards a successful outcome.
Are you ready to retire? Are you sure? The questions begin to swirl - will I run out of money? What do I do with my social security? How does Medicare work? Are my investments set up properly? In this episode Mary Sterk shares the top concerns people have when facing retirement - and how to put strategies in place to overcome them.
Many people are confused about the best way and the best time to begin taking their social security check. Do you take it right when you retire? If you delay is that a good idea? Is it different if you are married- widowed - single - divorced? In this episode Mary Sterk discusses ways to maximize your own personal social security.
Spring is in the air and many of you are knee deep in spring cleaning projects. That often causes us to loo at our homes with a fresh eye. People often question if putting money into home improvements is a good investment. In this episode Mary shares some of the best and worst returns on your money when it comes to home improvements.
Are your children & grandchildren responsible enough to handle a large inheritance? We would like to think that they are, but the reality is that many young people are not equipped to handle the pressures and responsibilities that come with managing wealth. In this episode Mary Sterk discusses the pros and cons of ways to control your assets from the grave.
The Fed has bumped up the interest rates twice in the last 6 months, and says they intend to keep doing so over the next few years. But what does that mean to your own pocketbook? In this episode Mary Sterk shares how rising interest rates actually affects YOU.
Many people have 401k accounts from prior jobs. They often wonder what is the best plan for that money. Many investors simply just leave it there - not by choice - but by default...it's the easiest thing to do! But is it the best thing to do? In this episode Mary Sterk talks about the four options available for old 401k accounts. She will take you through the pros and cons of each option to give you great thinking points as you make your best decisions.
Buying and selling stocks should come down to a specific evaluation process - but is that what you are really doing? Some investors are just playing hunches. Some investors have some type of buying criteria, but most have no selling criteria. In this episode Mary Sterk takes you through a unique methodology to evaluate when it is time to buy or sell your stock.
Investment management has a lot of moving pieces - and it is easy to make a mistake that can have costly consequences. In this episode Mary Sterk discusses some common investor mistakes and shares tactics to avoid these portfolio pitfalls.
Stocks have outpaced bonds and inflation over time despite wars, recessions, political upheaval, terrorism, and other market shaking events. Investors are often at a loss for what to think given the current economy. In this episode Mary Sterk discussed some time tested strategies that still apply for today's savvy investor.
Movies brings a smile and warm memories to many people. The Academy Awards celebrate great films each year, and we celebrate the financial lessons held within them! Join us to hear what helped bring the market down during the big recession of 2008, and how not to lose your marriage and your house! In this episode Mary Sterk shares fun financial lessons learned from some of our favorite epic movies.
Caring for an aging parent presents loving opportunities, but also can bring difficult challenges as you transition towards handling their finances. In this episode Mary Sterk discusses various strategies to assist your aging parents with their finances - everything from bill paying to structuring investment to nursing home decisions. Learn about setting up estate planning documents, Social Security rules and how Medicare works. Listen in to help take the complexity and uncertainty out of parent care and move forward with clarity and confidence.
We all love someone, and there are smart ways to take care of that special someone financially. As Valentines day approaches, and love is in the air, take time to make sure your ducks are all in a row. In this episode Mary Sterk shares strategies to ensure your loved ones are well taken care of when it comes to finances and estate planning.
Financial issues matter at every age, but as we move into our 50's there are some important things to be aware of. Health Insurance, social security and investment planning can be quite complex. Join us for tips to help make sure you have your ducks in a row. In this episode Mary Sterk explores the top 10 financial tips for women over 50.
Grandparents have so much to offer - a life rich with tradition, an ear to lend, and best of all - wise financial advice. Our countries older generations have lived through a lot - recessions, wars and major economic shifts. The lessons they have learned are valuable to us all. In this episode Mary Sterk shares 4 pieces of sound financial advice that grandparents can share with the family they love. This time tested advice will set the tone for great and open discussions with grandkids who are eager to learn a thing or two about money.
Financial goals shift as you age. What matters most in your twenties has often changed as you approach retirement in your sixties. In this episode Mary Sterk dives into some top financial priorities decade by decade - sharing a financial tidbit that is relevant for everyone!
We will inaugurate a new president on January 20th, and many people are wondering what that means to their own pocketbook. From taxes to health care to international trade deals there is likely to be a lot of change ahead. While no one can predict the future, in this episode Mary Sterk takes a look at the president elect's stated priorities to get a flavor of what might be ahead.
Are your retirement ducks in a row? From the financial to the health related there are a lot of complex details to get into place before you pull the retirement trigger. Many people facing retirement are confused about health insurance options, Social Security choices, and how to invest their retirement accounts. In this episode Mary Sterk discusses these issues and highlights strategies to prepare for a successful retirement. She also offers a unique set of tools that will help you with your planning so you can retire with confidence.
Knowing the right time to retire can be tricky. There are a lot of things to consider. In this episode Mary Sterk sheds light on the core components that you will want to address before pulling the retirement trigger.
Negotiating for assets is part of most divorces. In this episode Mary Sterk will explain how assets differ in real value even if the monetary amount might look the same.