Retirement Unlimited: Recent Episodes
Randy Barkley
Helping you make smart choices with your money to build the life you love. Weekly episodes divided into three segments: Retirement Update, Tactical Asset Management, and News You Can Use
Helping your adult children financially can come from a place of love, but the way that support is structured matters. A gift toward college, a first home, or another major opportunity may give them a meaningful head start. At the same time, ongoing support can unintentionally create dependency, unclear, expectations, or tension between siblings. In this episode, Jeremiah and Laura discuss how parents can support their adult children without taking away the responsibility and confidence that come from building financial independence. They explore the difference between helping and rescuing, whether financial support should be a gift or a loan, and why equal support may not always look exactly the same for every child. Thoughtful planning can help your generosity strengthen the next generation while still protecting your own financial future. --- Information and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.
Being successful in your career does not automatically make financial decisions easier. Fear, compassion, overconfidence, and FOMO can influence even the smartest investors. Advice from friends, social media, or AI can also sound compelling without accounting for your full financial picture. In this episode, Jeremiah and Laura explore the behavioral patterns behind financial decisions, how personal experiences shape our relationship with money, and why a clear plan can help create a better filter for important choices. Understanding what may be driving your decisions is the first step toward making wiser financial choices instead of letting emotion take the lead. #behavioralfinance #financialplanning #investing #businessowner #entrepreneur #financialdecisions #wealthmanagement --- Information and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.
Kids are learning about money long before they earn their first paycheck. They learn from the conversations they hear, the choices they watch, and the opportunities they are given to spend, save, give, and make mistakes. In this episode, Jeremiah and Laura share what they are learning as they raise four children and work to build healthy money habits at home. The goal is not to raise children who never make financial mistakes. It is to give them a safe place to practice, learn, and gradually take greater responsibility for the resources they have. #parenting #familywealth #financialliteracy #moneyhabits #familyfinances --- Information and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.
In this episode of Building Wealthy Habits, Jeremiah and Laura explore why success can feel more stressful than expected, how to move beyond fear and uncertainty, and why a clear vision is essential for navigating your next season with confidence.Financial success changes more than your balance sheet. It changes the questions you're asking, and the opportunities in front of you. #businessowners #financialplanning #growthmindset #entrepreneurship #financialconfidence #wealthmanagement --- Information and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.
Selling a business or stepping away from a career is often celebrated as the finish line. But for many business owners, that's when an entirely new journey begins. In this episode of Building Wealthy Habits, Laura sits down with Cindy Jennings, founder of Interwovenly and the LifeWise™ programs, which help business owners, executives, managers, and employees navigate life's biggest transitions with clarity and support. Together, they explore the personal side of retirement and business exits that often go unspoken. They discuss why so many successful leaders struggle after a major transition, how identity and purpose become just as important as financial readiness, and why preparing for your next chapter should begin long before the transaction is complete. Whether you're thinking about retiring, preparing to sell your business, or simply wondering what you want the next season of life to look like, this conversation offers a thoughtful perspective on building a future that's just as meaningful as the work you've already accomplished. Because preparing financially is only part of the journey. Preparing personally may be just as important. --- Information and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.
A growing business can create more opportunity, more momentum, and more income. But it can also create one of the least welcome surprises for business owners: a tax bill they did not see coming. In this episode of Building Wealthy Habits, we talk about why tax planning should not wait until April and why a strong year in business can quickly become stressful when cash flow, estimates, and planning are not aligned. For many entrepreneurs, the issue is not just the tax bill itself. It is the pressure it creates at home, the questions it raises about the business, and the feeling of wondering what everyone else knows that you do not. This conversation explores how business owners can move from reactive tax conversations to a more proactive, coordinated planning approach From quarterly check-ins to aligning your CPA, advisor, attorney, and broader financial team, the goal is to create more clarity before the surprise arrives. Because the more your business grows, the more important it becomes to have a plan that grows with it. #TaxPlanning #BusinessOwners #Entrepreneurship #FinancialPlanning #BusinessGrowth #WealthManagementConnect with Jeremiah: LinkedIn: https://www.linkedin.com/in/jeremiahjlee/ Email: Jeremiah@tricordadvisors.com Connect with Laura: LinkedIn: https://www.linkedin.com/in/laura-lee-59a83610/ Email: Laura@tricordadvisors.com --- Information and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.
way to retire, travel, give, or spend their time. In this episode of Building Wealthy Habits, we explore why financial planning should never be one-size-fits-all. From retirement and financial independence to family legacy, charitable giving, and lifestyle choices, we discuss how clarity around your vision can help create a plan that fits your life. Because financial freedom is not about reaching someone else's finish line. It's about understanding what matters most to you and building a plan that supports it. Whether you're approaching retirement, considering a major life transition, or simply wondering what comes next, this conversation will help you think differently about the relationship between your wealth and the life you've worked so hard to build. #BuildingWealthyHabits #FinancialPlanning #RetirementPlanning #FinancialFreedom #WealthManagement #PersonalFinance #LegacyPlanning #TriCordAdvisors 00:00 What do you want your money to do for you? 03:47 Why financial planning is not one-size-fits-all 07:37 Making the shift from earning income to living from assets 11:09 Using wealth to support your priorities 15:23 Why financial independence is more than a math problem 20:26 Building a plan for the next season of life Connect with Jeremiah: LinkedIn: https://www.linkedin.com/in/jeremiahjlee/ Email: Jeremiah@tricordadvisors.com Connect with Laura: LinkedIn: https://www.linkedin.com/in/laura-lee-59a83610/ Email: Laura@tricordadvisors.com --- Information and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.
may no longer be enough. From leadership and delegation to tax planning, succession, and building the right team around you, this conversation explores how successful entrepreneurs can move from survival mode to a more intentional vision for the future. Because growth is about more than building a business. It's about building a life. If you've built something real and you're wondering what comes next, this conversation is for you. #BusinessOwners #Entrepreneurship #BusinessGrowth #FinancialPlanning #Leadership #TaxPlanning00:00 Your Business Is Growing. Now What? 03:25 Why every new season requires a new mindset 07:58 When success starts creating complexity 09:52 Questions successful business owners should ask 14:46 Moving beyond survival mode 19:53 Building the right team for the next season Connect with Jeremiah: LinkedIn: https://www.linkedin.com/in/jeremiahjlee/ Email: Jeremiah@tricordadvisors.com Connect with Laura: LinkedIn: https://www.linkedin.com/in/laura-lee-59a83610/ Email: Laura@tricordadvisors.com --- Information and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.
Money is one of the most important conversations in a relationship. It's also one of the most avoided.In this episode of Building Wealthy Habits, Jeremiah and Laura share a candid look at how they handle financial conversations in their own marriage. As financial planners, business owners, parents, and spouses, they've learned that money discussions are rarely just about budgets and bank accounts. They're often about security, trust, priorities, and the future you're trying to build together.Many couples avoid talking about money because they don't want conflict. Others assume they're already on the same page. But as life becomes more complex, avoiding these conversations can create stress, misunderstandings, and missed opportunities.Jeremiah and Laura discuss the questions every couple should be asking, common communication mistakes, practical tools for creating financial clarity, and how alignment around money can strengthen both your finances and your relationship.If you've ever wondered whether you're having the right financial conversations with your partner, this episode is for you.#BuildingWealthyHabits #CouplesAndMoney #FinancialPlanning #MarriageAndMoney #FinancialCommunication #MoneyMindset #TriCordAdvisorsConnect with Jeremiah: LinkedIn: https://www.linkedin.com/in/jeremiahjlee/ Email: Jeremiah@tricordadvisors.com Connect with Laura: LinkedIn: https://www.linkedin.com/in/laura-lee-59a83610/ Email: Laura@tricordadvisors.com --- Information and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.
Should you buy the building your business operates in, or continue leasing? For many business owners, commercial real estate can become one of the largest investments they ever make. But owning a building is about much more than control over your space. In this episode, Jeremiah and Laura discuss the key factors business owners should consider before purchasing commercial real estate. From long-term growth plans and tax considerations to liquidity, diversification, and succession planning, they explore how owning property can impact both your business and your personal financial future. While commercial real estate can create opportunities for wealth building, passive income, and greater control, it also comes with responsibilities and risks that should not be overlooked. The right decision depends on how the property fits into your broader goals, investment strategy, and long-term vision. Key Topics:Evaluating whether your current location supports future business growth and expansionThe benefits of owning commercial real estate, including control and long-term wealth buildingTax considerations, depreciation, and after-tax investment returnsDiversification, concentration risk, and liquidity concerns in real estate investingThe realities of property ownership, management responsibilities, and passive income expectationsSuccession planning and using commercial real estate as a multigenerational asset for family businesses #BuildingWealthyHabits #CommercialRealEstate #BusinessOwners #Entrepreneurship #FinancialPlanning #BusinessGrowth #WealthManagement #TriCordAdvisors Reach out at contact@tricordadvisors.comConnect with Jeremiah:LinkedIn: https://www.linkedin.com/in/jeremiahjlee/Email: Jeremiah@tricordadvisors.comConnect with Laura:LinkedIn: https://www.linkedin.com/in/laura-lee-59a83610/Email: Laura@tricordadv.com--- Information and ideas discussed are general in nature and should not be considered specific financial, legal, or tax advice. This content is for informational purposes only and does not create an advisory, fiduciary, or attorney-client relationship. All investments involve risk, including the possible loss of principal. Past performance does not guarantee future results. Examples discussed are hypothetical and for illustrative purposes only. Individual situations will vary. You should consult your own financial advisor, tax professional, or attorney before making any decisions. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Adviser. Jeremiah Lee is a California licensed attorney. Randy Barkley is a life insurance agent (CA License #0518567).
What if the biggest turning point in your life starts with a difficult question?In this conversation, Jeremiah, Laura, and special guest JR Lay explore the tension many entrepreneurs and high achievers quietly carry beneath the surface. From identity and ambition to disruption, adaptability, and purpose, this discussion goes far beyond business strategy.JR shares personal stories about building businesses, navigating burnout, redefining failure, and learning how wisdom often grows through discomfort. Together, they unpack why perspective matters so much in seasons of uncertainty and how the stories we tell ourselves shape the future we create.Whether you are navigating a career transition, building a business, leading a family, or simply feeling stretched by change, this episode offers a thoughtful perspective on growth, resilience, and becoming who you are meant to become.#BuildingWealthyHabits #EntrepreneurMindset #PersonalGrowth #Leadership #FinancialPlanning #BusinessOwners #WealthManagement #EntrepreneurConnect with JR Lay:LinkedIn: https://www.linkedin.com/in/jrwlay/Connect with Jeremiah:LinkedIn: https://www.linkedin.com/in/jeremiahjlee/Email: Jeremiah@tricordadvisors.comConnect with Laura:LinkedIn: https://www.linkedin.com/in/laura-lee-59a83610/Email: Laura@tricordadvisors.com---Information and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.
A business sale can create uncertainty and a long list of financial and planning decisions all at once. The months before and after an exit often become an important planning window in a business owner’s life.Jeremiah and Laura walk through several planning considerations that may help business owners prepare for a high-income year, evaluate tax planning considerations, and align financial decisions with long-term goals for family, charitable giving, and broader planning considerations.They also discuss why preparation matters long before a transaction is finalized and why coordinated planning with advisors, CPAs, and estate attorneys may help provide additional planning clarity.#businessowners #taxplanning #estateplanning #financialplanning #wealthmanagement ---Information and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.
Stock options can be a valuable part of compensation, but they also come with important tax considerations, vesting schedules, and investment decisions. In this conversation, Jeremiah and Laura break down the differences between RSUs and RSOs, explain how vesting works, and discuss why many employees feel overwhelmed when trying to make decisions around concentrated stock positions and taxes. They also walk through common planning considerations for tech employees, startup professionals, and anyone receiving equity compensation through work. Whether you're newly receiving stock compensation or trying to better understand an existing plan, this episode highlights why having a long-term strategy matters. #StockOptions #RSUs #FinancialPlanning #WealthManagement #EquityCompensation --- Information and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.
What if your finances look fine on the surface, but the real story is underneath? Many people track a single number and assume everything is okay. In this episode, Jeremiah and Randy explain why that can be misleading and what a true financial x-ray actually reveals.A financial x-ray goes beyond net worth. It looks at how your money works, how accessible it is, and where hidden risks may be quietly building. Jeremiah and Randy walk through the core metrics they use to help clients understand whether they are truly on track or just hoping they are.This conversation is especially relevant for business owners and high-income earners who often feel successful outwardly, yet remain vulnerable to cash flow strain, illiquidity, or overconcentration. The goal is not perfection, but clarity.Key Topics Covered:• Why net worth matters, but never tells the whole story• Liquidity and what happens when your wealth is trapped• Cash flow blind spots that surprise even high earners• Hidden concentration risk inside businesses and investments• How these metrics change as your life and career evolveIf your finances were put under an x-ray today, what might show up that you are not currently measuring?#BuildingWealthyHabits #FinancialPlanning #BusinessOwnerss #WealthStrategy #CashFlow #NetWorth #TriCordAdvisors #WealthManagement ---Information and ideas discussed are general in nature and should not be considered specific financial, legal, or tax advice. This content is for informational purposes only and does not create an advisory, fiduciary, or attorney-client relationship. All investments involve risk, including the possible loss of principal. Past performance does not guarantee future results. Examples discussed are hypothetical and for illustrative purposes only. Individual situations will vary. You should consult your own financial advisor, tax professional, or attorney before making any decisions. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Adviser. Jeremiah Lee is a California licensed attorney. Randy Barkley is a life insurance agent (CA License #0518567).
For many, selling a business or stepping into retirement is viewed as a finish line. But once you get there, a different set of questions often begins to take shape. What does your day-to-day look like? Where does your sense of direction come from? And how do you approach this next chapter with intention? In this episode, we shift the focus beyond financial outcomes and into the experience of transition. If you are approaching a business exit, retirement, or a major career change, this conversation is designed to help you think more clearly about what comes after. We explore how routine, identity, and purpose can evolve when work is no longer the central structure. From considering how you want to spend your time to testing new interests before making a full transition, the goal is to help you move into this season with greater awareness. You’ll also hear reflections on how expectations around retirement or lifestyle changes don’t always match reality, and why staying adaptable may help support a more meaningful transition over time. This is not about having a perfect plan in place. It is about being thoughtful in how you approach change, asking better questions, and allowing space to discover what truly matters in the next phase of life. If you are thinking about what comes after a major financial or career milestone, this episode offers perspective to consider as you think through that process. --- Information and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.
For many people, reaching out to a financial advisor can feel uncertain.What do you ask? What do you share? And how do you know if it’s the right fit?In this episode, we begin breaking down the financial planning process from the very start. If you’ve ever felt like the industry is difficult to navigate or unclear, this conversation is designed to bring more clarity to what that first step can look like.We walk through how to begin your search, what factors may influence your decision, and how to approach that initial meeting with confidence. From understanding different types of advisors to evaluating how they work with clients, the goal is to help you feel more prepared and informed as you explore your options.You’ll also hear insights around how much information is typically shared early on, how to think about comparing multiple advisors, and what to pay attention to when determining whether a relationship could be a good fit.This is not about finding a perfect answer in one conversation. It is about understanding the process, asking thoughtful questions, and making a decision that aligns with your individual needs and preferences.If you’re considering working with a financial advisor or reevaluating a current relationship, this episode offers a helpful starting point.#financialadvisor #wealthplanning #wealthmanagement #financialliteracy #businessowners #wealthstrategy #clientexperience--- Information and ideas discussed are general in nature and should not be considered specific financial, legal, or tax advice. This content is for informational purposes only and does not create an advisory, fiduciary, or attorney-client relationship. All investments involve risk, including the possible loss of principal. Past performance does not guarantee future results. Examples discussed are hypothetical and for illustrative purposes only. Individual situations will vary. You should consult your own financial advisor, tax professional, or attorney before making any decisions. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Adviser. Jeremiah Lee is a California licensed attorney. Randy Barkley is a life insurance agent (CA License #0518567).
Most business owners have heard this idea at some point.Can I pay my kids through my business?The answer is not a simple yes or no. It depends on how the arrangement is structured, what rules apply, and whether the work being done is legitimate.In this episode, we walk through how this concept is commonly approached and where misunderstandings can happen. What sounds simple on the surface often requires careful planning, clear documentation, and an understanding of how different business structures may impact what is permitted.We also explore the broader considerations that go beyond the structure itself. For many families, this becomes less about the mechanics and more about how responsibility, compensation, and involvement in a business are introduced to the next generation.Throughout the conversation, the focus remains on what business owners should be aware of before taking action, including the importance of maintaining appropriate records and working with qualified professionals to evaluate individual circumstances.#familywealth #nextgenwealth #businesowners #teachkidsmoney #wealthbuilding #financialplanning #wealthmanagement--- Information and ideas discussed are general in nature and should not be considered specific financial, legal, or tax advice. This content is for informational purposes only and does not create an advisory, fiduciary, or attorney-client relationship. All investments involve risk, including the possible loss of principal. Past performance does not guarantee future results. Examples discussed are hypothetical and for illustrative purposes only. Individual situations will vary. You should consult your own financial advisor, tax professional, or attorney before making any decisions. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Adviser. Jeremiah Lee is a California licensed attorney. Randy Barkley is a life insurance agent (CA License #0518567).
You could have the right investments… and still be making inefficient decisions.Because it’s not just about what you own. It’s about where you hold it.In this episode, we explore the difference between asset allocation and asset location, and why that distinction can shape how your strategy actually plays out over time. From tax treatment across different account types to how income is sourced during different seasons of life, the conversation highlights how small structural decisions can influence the bigger picture.A common shift we see is moving from asking, “Do I have enough?” to asking, “Where should I pull from?” That change in perspective can lead to more intentional planning.This is also where organization and coordination come into play. When accounts are viewed in isolation, it’s easy to miss how they interact. But when they’re aligned with purpose, timing, and overall goals, decisions can become more clear and more strategic.The takeaway is simple: thoughtful planning is not just about choosing investments, but about understanding how everything works together.#financialplanning #wealthstrategy #taxplanning #assetallocation #wealthmanagement---Information and ideas discussed are general in nature and should not be considered specific financial, legal, or tax advice. This content is for informational purposes only and does not create an advisory, fiduciary, or attorney-client relationship. All investments involve risk, including the possible loss of principal. Past performance does not guarantee future results. Examples discussed are hypothetical and for illustrative purposes only. Individual situations will vary. You should consult your own financial advisor, tax professional, or attorney before making any decisions. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Adviser. Jeremiah Lee is a California licensed attorney. Randy Barkley is a life insurance agent (CA License #0518567).
Tax season brings more than just filing deadlines. It can reveal gaps in planning that may impact your financial picture over time.In this episode, Laura and Jeremiah explore the difference between tax preparation and proactive tax planning, and why many individuals and business owners find themselves reacting to tax bills instead of anticipating them.From unexpected tax liabilities to common planning gaps, Laura and Jeremiah break down general scenarios and key considerations individuals may encounter, including:• Why year to year tax planning can create unnecessary financial stress.• Common reasons behind surprise tax bills.• How multi-year tax strategies may provide greater visibility over time.• The importance of aligning your CPA and financial advisor.• Considerations for business owners, high-income earners, and retirees.• How account diversification and timing decisions may impact long-term tax outcomes.They also discuss planning concepts such as retirement account strategies, charitable giving approaches, and considerations when preparing for major financial events like a business sale.The key takeaway: thoughtful, forward-looking planning can help create more clarity and flexibility over time.If you’ve ever felt surprised by your tax bill or unsure about what’s ahead, this episode offers a framework to begin thinking more proactively.#TaxPlanning #TaxStrategy #FinancialPlanning #WealthPlanning #BusinessOwners #WealthManagement #Entrepreneurs #RetirementPlanning---Information and ideas discussed are general in nature and should not be considered specific financial, legal, or tax advice. This content is for informational purposes only and does not create an advisory, fiduciary, or attorney-client relationship. All investments involve risk, including the possible loss of principal. Past performance does not guarantee future results. Examples discussed are hypothetical and for illustrative purposes only. Individual situations will vary.You should consult your own financial advisor, tax professional, or attorney before making any decisions. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Adviser. Jeremiah Lee is a California licensed attorney. Randy Barkley is a life insurance agent (CA License #0518567).
Most investment mistakes don’t come from a lack of intelligence. They come from how decisions are made in moments of pressure.When markets move, emotions tend to follow. Fear can lead to hesitation. Optimism can lead to overconfidence. And constant headlines can create noise that makes it harder to stay focused on what actually matters.This conversation breaks down how disciplined investors often approach decision-making differently. Not by reacting faster, but by following a process. One that prioritizes long-term thinking, clarity around goals, and consistency through changing market conditions.You’ll also hear practical ways to think through investment decisions, align financial priorities within a household, and better understand how risk, taxes, and behavior all play a role in long-term outcomes.Because building wealth is not just about what you invest in.It is about how you make decisions over time.You’ll learn:0:00 What Makes a Smart Investor (And What Goes Wrong)3:30 How Emotions Influence Financial Decisions7:00 Building a Long-Term Investment Approach12:00 Avoiding Reactive and Short-Term Thinking17:30 What Matters Beyond PerformanceIf you want to think more clearly about your financial decisions and stay grounded in a long-term approach, subscribe for more conversations like this.#Investing #WealthManagement #FinancialPlanning #BehavioralFinance #LongTermInvesting #RiskManagement #BusinessOwners #PersonalFinance--Information and ideas discussed are general in nature and should not be considered specific financial, legal, or tax advice. This content is for informational purposes only and does not create an advisory, fiduciary, or attorney-client relationship.All investments involve risk, including the possible loss of principal. Past performance does not guarantee future results. Examples discussed are hypothetical and for illustrative purposes only. Individual situations will vary.You should consult your own financial advisor, tax professional, or attorney before making any decisions.Advisory services offered through TriCord Advisors, Inc., a Registered Investment Adviser. Jeremiah Lee is a California licensed attorney. Randy Barkley is a life insurance agent (CA License #0518567).
In this episode, the conversation breaks down liquidity—why it matters, how it protects your plans, and how it creates opportunity. Whether you’re a business owner managing unpredictable cash flow or planning for retirement, liquidity is the difference between feeling trapped and being able to move.We walk through practical cash flow management tactics, how to structure emergency funds without losing momentum on your investment strategies, and the role of risk management when life (or business) throws a curveball. You’ll also hear how margin can be used as a tool to access cash without immediately selling investments—plus the mindset shift that helps you stay opportunistic when others panic.In this episode, you’ll learn:- Why liquidity matters for business owners and individuals- Cash flow strategies that support stability and flexibility- How to invest while keeping emergency cash accessible- When margin may be used to access liquidity without selling- The biggest risks of illiquidity—and how to avoid them- Why liquidity improves peace of mind and decision-making- How an opportunistic mindset can create growth opportunitiesIf you want to stay ready for whatever comes next—and be positioned to act when opportunity shows up—subscribe for more episodes, and we’ll see you in the next one.#Liquidity #CashFlow #CashManagement #EmergencyFund #Investing #RiskManagement #FinancialPlanning #BusinessOwners #Retirement #PersonalFinance---Information and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.
In this episode of Building Wealthy Habits, Laura Lee and Jeremiah sit down with estate planning expert Blake Johnson to break down what happens when a “basic” estate plan becomes a complex estate plan.They cover the real-world triggers for advanced estate planning—from growing net worth and tax exposure to multi-state planning and business ownership. You’ll also learn how revocable vs. irrevocable trusts differ, why irrevocable trusts require careful design, and why the best outcomes come from collaboration between attorneys, financial advisors, and CPAs.Finally, Blake introduces the powerful idea of the Family Bank—a strategy designed to build accountability, preserve wealth across generations, and support long-term legacy planning.In this episode, you’ll learn:- The key triggers that push an estate plan from basic to complex- How multi-state operations create planning challenges- Revocable vs. irrevocable trusts (and why permanence matters)- Why early business exit planning can reduce tax liability- How the Family Bank can build multi-generational wealth and responsibilityIf you’re ready to protect what you’ve built and make sure your legacy lives on the way you intend, subscribe for more episodes. We will see you next week folks!#EstatePlanning #Trusts #LegacyPlanning #TaxStrategies #WealthManagement #FamilyBank #GenerationalWealth #BusinessExitPlanning #FinancialPlanning #IrrevocableTrust---Information and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.
“Get rich quick” is a fun phrase—but in real life, it usually skips the part that matters most: keeping what you build and turning it into a life you can actually enjoy. In this conversation, Laura, Jeremiah, and Randy unpack the difference between being rich (having money) and being wealthy (having stability, freedom, and the ability to handle what life throws at you).They walk through the real drivers that separate a one-time win from lasting wealth: cash flow, a strong balance sheet, liquidity, diversification, emotional discipline, and purpose. Along the way, they share stories—from sibling “loans” with high interest to lottery winners who go bankrupt—to show how mindset and behavior often matter as much as strategy.As you watch this episode, ask yourself…💭 If your portfolio dropped 25% tomorrow, what would you change—emotionally and practically?💭Are you building wealth that supports your life… or a lifestyle that depends on constant growth?💭Where are you most exposed right now: debt, concentration risk, or lack of liquidity?💭If you’ve already “hit the number,” who benefits next—family, community, legacy?Thanks for listening; if you’re trying to turn “more money” into real freedom, we’d love to help you build a plan that protects what you’ve built and supports what matters most. If this episode was helpful, share it with a friend and subscribe so you don’t miss the next conversation. Until next time, may you grow in wisdom and knowledge.#WealthMindset #FinancialPlanning #BusinessOwnerStrategy #RetirementPlanning #InvestingReach out at contact@tricordadvisors.comConnect with Jeremiah:LinkedIn: https://www.linkedin.com/in/jeremiahjlee/Email: Jeremiah@tricordadvisors.comConnect with Laura:LinkedIn: https://www.linkedin.com/in/laura-lee-59a83610/Email: Laura@tricordadv.comConnect with Randy:LinkedIn: https://www.linkedin.com/in/rkbarkley/Email: Randy@tricordadv.com---Information and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.
If it feels like the financial news cycle is louder than ever, you’re not imagining it. In this episode of Building Wealthy Habits, the hosts unpack the reality of financial noise and how constant headlines, hot takes, and market commentary can create information overload that leads to anxiety, hesitation, and poor decision-making.They break down the hidden costs of staying plugged in all day, why most news is not relevant to your personal plan, and how to build a simple filtering system so you can stay informed without getting hijacked by fear, bias, or analysis paralysis. The goal is not ignorance. It’s clarity.In This Episode:• Why financial noise increases anxiety and uncertainty (even when you “know more”)• The hidden costs of information overload on personal finance decision making• How to filter news by relevance, timing, and impact on your actual plan• Why media bias and incentives matter more than most people realize• How curiosity can help you learn, while fear can keep you stuck• How to avoid analysis paralysis and keep moving forward with small actionsIf you’re overwhelmed by financial headlines and unsure how to make confident decisions, this episode provides a clear framework for filtering financial news, reducing anxiety, and avoiding analysis paralysis. Learn how to identify what information actually impacts your personal finance plan and how to stay informed without being driven by noise, bias, or fear.#PersonalFinance #FinancialPlanning #Investing #FinancialNoise #InformationOverload #MoneyMindset #WealthBuilding #DecisionMaking #MarketVolatility #BehavioralFinance— Reach out at contact@tricordadvisors.comConnect with Jeremiah:LinkedIn: https://www.linkedin.com/in/jeremiahjlee/Email: Jeremiah@tricordadvisors.comConnect with Laura:LinkedIn: https://www.linkedin.com/in/laura-lee-59a83610/Email: Laura@tricordadv.comConnect with Randy:LinkedIn: https://www.linkedin.com/in/rkbarkley/Email: Randy@tricordadv.comInformation and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.
Net worth is simple to calculate, but it may be one of the most misleading measures of financial success. In this episode, the TriCord Advisors team explores why true wealth goes beyond assets minus liabilities and instead centers on financial freedom: the ability to control your time, choices, and opportunities without being driven by debt, illiquidity, or identity lock-in.In this episode:• Why net worth alone doesn’t define financial freedom• The difference between looking successful and actually being free• How debt, overconcentration, and illiquidity can quietly limit your options• The risks of lifestyle creep and identity lock-in• Why liquidity should be treated as a strategic asset, not a cash drag• The importance of “dry powder” for future opportunities• Transitioning from lead operator to true owner• Shifting toward passive or elective income• Building wealth intentionally through steady progress and alignment with valuesThe conversation unpacks common financial traps that can impact entrepreneurs, business owners, and high-income professionals (even those with strong balance sheets) and explains how purposeful planning, diversification, liquidity, and disciplined cash flow management can create long-term flexibility. For those seeking more than just growth, this episode offers a framework for building wealth that supports freedom of time, freedom of money, and freedom of choice.#FinancialFreedom #WealthManagement #Entrepreneur #BusinessOwners #Liquidity #PassiveIncome #FinancialPlanning— Reach out at contact@tricordadvisors.comConnect with Jeremiah:LinkedIn: https://www.linkedin.com/in/jeremiahjlee/Email: Jeremiah@tricordadvisors.comConnect with Laura:LinkedIn: https://www.linkedin.com/in/laura-lee-59a83610/Email: Laura@tricordadv.comConnect with Randy:LinkedIn: https://www.linkedin.com/in/rkbarkley/Email: Randy@tricordadv.comInformation and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.
Most entrepreneurs are wired for wealth creation—growth, momentum, and reinvesting back into the business. But eventually, the game changes. In this episode, we break down the critical transition from building wealth to protecting wealth—what we call wealth durability.We cover the mindset shift required to move from active income to passive income, why concentration risk can quietly derail years of progress, and how succession planning should start earlier than most business owners think. We also share case studies of clients who successfully navigated major transitions by simplifying complexity, clarifying goals, and building the right support team.In this episode:00:00 Wealth Creation → Wealth Durability: The Inevitable Transition02:49 Mindset: The Shift from Active to Passive Income05:45 Risk Management: The Danger of Concentration08:30 Life Changes + Business Transitions: What Forces the Shift11:24 Succession Planning + Clarity of Goals14:13 Simplifying Financial Complexity (Less Stress, Better Decisions)17:02 Case Studies: What Successful Transitions Have in CommonIf you’re an entrepreneur, your biggest risk isn’t market volatility, it’s staying in “wealth creation mode” forever.Make sure you are ready to shift to wealth durability without losing momentum or control.#Entrepreneur #WealthManagement #SuccessionPlanning #Investing #FinancialPlanning #businessowners ---Reach out at contact@tricordadvisors.comConnect with Jeremiah:LinkedIn: https://www.linkedin.com/in/jeremiahjlee/Email: Jeremiah@tricordadvisors.comConnect with Laura:LinkedIn: https://www.linkedin.com/in/laura-lee-59a83610/Email: Laura@tricordadv.comConnect with Randy:LinkedIn: https://www.linkedin.com/in/rkbarkley/Email: Randy@tricordadv.comInformation and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.
In this episode, Laura and Jeremiah Lee break down semi-liquid investments: What they are, why people buy them, and where investors get surprised. Using a SWOT analysis, they walk through the strengths, weaknesses, opportunities, and threats of investments that can be accessed, but often only with restrictions, delays, or a loss of value.You’ll hear real-world examples like REITs, restricted stock units (RSUs), and the IPO/lockup dynamics that can impact your timeline, taxes, and flexibility. If you’re considering any semi-liquid strategy, this episode will help you evaluate liquidity risk, understand who benefits on “the other side of the table,” and decide how these fit into a balanced plan.Topics covered:- What “semi-liquid” really means (and why it matters)- REITs: what to compare them to (mutual funds/ETFs) and what to vet- RSUs + stock options: vesting schedules and tax traps to understand- IPOs and lockups: why timing risk is real- Why a fiduciary, team-based approach can help you avoid costly mistakesIf you’re weighing semi-liquid options, make sure you understand the timeline, fees, restrictions, and taxes before committing.#Investing #FinancialPlanning #REITs #RSUs #PersonalFinance #Liquidity---Information and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.
In today’s episode, Laura and Jeremiah Lee break down what’s really driving market uncertainty right now—and why seeing wealthy investors “step back” can mess with your confidence if you’re not anchored to a plan. They talk through the danger of chasing headlines, the reality that the economy moves in cycles, and why trying to time the market usually costs more than it pays.You’ll also hear a practical discussion on common “safe haven” moves—cash, precious metals, and private placements—including what each option can (and can’t) do for your portfolio. Bottom line: the goal isn’t to guess the next market move; it’s to build a strategy that fits your situation, stays diversified, and keeps you ready for opportunity.If you’re a long-term investor who wants to stay steady when markets get loud, this one’s for you.In This Episode, We Cover:😰 Why fear and uncertainty drive most investing decisions🎯 How to evaluate opportunities based on your goals (not trends)⏱️ Why timing the market is harder than it looks⚖️ Cash vs. metals vs. private placements: pros, cons, and risk realities🧺 The role diversification plays in reducing portfolio risk🧘 How to stay prepared for future opportunities without overreactingIf you’re questioning how your investments should be positioned in a volatile environment, it may be time to review your: risk tolerance, time horizon, cash needs, portfolio diversification.Working with a trusted financial advisor can help you stress-test decisions before you act.#Investing #MarketUpdate #Diversification #WealthBuilding #FinancialPlanning #LongTermInvesting #RiskManagement #BuildingWealthyHabitsReach out at contact@tricordadvisors.comConnect with Jeremiah:LinkedIn: https://www.linkedin.com/in/jeremiahjlee/Email: Jeremiah@tricordadvisors.comConnect with Laura:LinkedIn: https://www.linkedin.com/in/laura-lee-59a83610/Email: Laura@tricordadv.comConnect with Randy:LinkedIn: https://www.linkedin.com/in/rkbarkley/Email: Randy@tricordadv.com---Information and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.
Risk is everywhere in investing — valuations, geopolitics, inflation, even currency moves. In this episode, Jeremiah Lee and Randy Barkley break down the most common “yellow flags” investors face and explain how to respond without letting emotions drive the decision.You’ll learn why market corrections are normal, why trying to time the market usually backfires, and how diversification and a long-term plan can help you stay steady when headlines get loud.In this episode:- Fear of loss can cause people to freeze or overreact- Market corrections are a normal part of investing- Naming the risk helps you manage it responsibly- Market timing is extremely hard to do consistently- Diversification can reduce the impact of any single risk- Inflation quietly eats away at purchasing power over time- Currency risk matters, even with the dollar’s global role- Investing works best when it’s research-based, not emotional- Long-term strategy beats short-term guessingIf you want help building a plan that accounts for real-world risk without panic-driven decisions, reach out or explore our resources. The goal isn’t to avoid every storm—it’s to build a portfolio that can handle them.#riskmanagement #investing #marketvolatility #financialplanning #portfoliomanagement #wealthmanagement #inflation #diversification #longterminvesting #behavioralfinanceReach out at contact@tricordadvisors.comConnect with Jeremiah:LinkedIn: https://www.linkedin.com/in/jeremiahjlee/Email: Jeremiah@tricordadvisors.comConnect with Laura:LinkedIn: https://www.linkedin.com/in/laura-lee-59a83610/Email: Laura@tricordadv.comConnect with Randy:LinkedIn: https://www.linkedin.com/in/rkbarkley/Email: Randy@tricordadv.com---Information and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.
What does “fiduciary” actually mean—and is it enough to protect your long-term plan?In this episode, we break down the fiduciary role, why transparency matters, and why many people eventually need more than an advisor who simply “babysits” their money. As your life gets more complex—taxes, estate planning, investments, business income, retirement distribution strategy—you need proactive guidance, not just basic oversight.If you’re evaluating a financial advisor (or wondering whether your current relationship is still the right fit), this conversation will help you ask better questions, understand compensation, and spot the difference between fiduciary compliance and true strategic planning.In This Episode:00:00 Understanding the Fiduciary Role05:45 Navigating Complex Financial Needs11:36 The Importance of Proactive Financial Advice17:16 Building a Trustworthy Advisory RelationshipIf you want an advisor relationship that goes beyond “fiduciary” and into proactive planning, hit subscribe—and drop your biggest question in the comments so we can cover it in the next episode.Reach out at contact@tricordadvisors.comConnect with Jeremiah:LinkedIn: https://www.linkedin.com/in/jeremiahjlee/Email: Jeremiah@tricordadvisors.comConnect with Laura:LinkedIn: https://www.linkedin.com/in/laura-lee-59a83610/Email: Laura@tricordadv.comConnect with Randy:LinkedIn: https://www.linkedin.com/in/rkbarkley/Email: Randy@tricordadv.com---Information and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.
In episode 98 of Building Wealthy Habits, hosts Laura, Randy and Jeremiah discuss the signs that indicate when individuals and business owners have outgrown their financial teams, including their financial advisors, CPAs, and attorneys. They emphasize the importance of recognizing the need for change as financial situations become more complex and the necessity of having proactive advisors who can adapt to these changes. The discussion also covers the importance of ongoing relationships with financial advisors and the need for them to challenge clients and provide new insights as their financial needs evolve.In this episode:📌 Most individuals outgrow their financial team rather than firing them.📌 Change is hard, but recognizing the need for a new team is crucial.📌 Proactive tax planning is essential as income increases.📌 Investment strategies should evolve with the client's financial situation.📌 A good CPA should provide more than just basic filing services.📌 Financial advisors should challenge clients and not just defend the status quo.📌 Ongoing relationships with financial advisors are key to success.📌 Complexity in financial needs requires specialized advice.📌 Estate planning becomes more critical as assets grow.📌 Misalignment with your financial team can lead to costly mistakes.If you’re wondering whether your current team is still the right fit, start with one simple question: are they helping you stay ahead of complexity—or just reacting to it? If this episode sparked a few “oh wow… that’s us” moments, don’t ignore them. Take inventory of your advisor, CPA, and legal support, and make sure they’re proactive, coordinated, and willing to challenge your assumptions as your life and business evolve.Thanks for listening to Building Wealthy Habits—if you found this helpful, share it with a friend or business owner who’s growing fast, and subscribe so you don’t miss the next episode.#financialteam #outgrow #financialadvisor #cpa #taxplanning #investmentstrategy #complexity #fiduciary #estateplanning #successionplanning ---Reach out at contact@tricordadvisors.comConnect with Jeremiah:LinkedIn: https://www.linkedin.com/in/jeremiahjlee/Email: Jeremiah@tricordadvisors.comConnect with Laura:LinkedIn: https://www.linkedin.com/in/laura-lee-59a83610/Email: Laura@tricordadv.comConnect with Randy:LinkedIn: https://www.linkedin.com/in/rkbarkley/Email: Randy@tricordadv.com---Information and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.
Laura Lee break down what really happens—tax-wise—when you inherit money, investments, and other assets.They walk through step-up in basis for stocks and real estate, why some taxes effectively “disappear” at death, and where they absolutely do not. The conversation covers annuities, life insurance, qualified accounts, RMD rules, and the organizational headaches that come with sorting through multiple accounts, statements, and beneficiaries.If you’ve ever wondered, “What actually happens when I inherit this?” or “How do I avoid making an expensive tax mistake?”, this episode gives you a practical roadmap.We Cover:– Why the tax implications of inheritance can be bigger than most families expect– How the step-up in basis works for stocks and real estate—and when it’s a major tax saver– Why capital losses from a parent’s lifetime usually do not carry over to heirs– How staying organized with account records and cost basis helps beneficiaries avoid costly errors– The key differences in how annuities and life insurance are taxed– Why inherited IRAs and other qualified accounts are taxed as ordinary income– How RMD rules work for beneficiaries and what happens if they’re missed– Ways charitable strategies can help offset higher taxes after an inheritance– Why having the right financial and tax team matters when multiple assets and heirs are involvedDon’t Miss These Moments:00:00 – Navigating Inheritance and Tax Implications02:53 – Understanding Step-Up in Basis06:01 – Managing Losses and Staying Organized08:48 – Real Estate, Community Property, and Ownership Structure12:03 – Annuities: Tax Treatment and Implications for Heirs14:55 – Life Insurance Benefits and Taxation18:03 – Inherited Qualified Accounts, RMDs, and Tax Strategy20:56 – Planning Ahead: Charitable Contributions and Tax ManeuversReach out at contact@tricordadvisors.comConnect with Jeremiah:LinkedIn: / jeremiahjlee Email: Jeremiah@tricordadvisors.comConnect with Laura:LinkedIn: / laura-lee-59a83610 Email: Laura@tricordadv.comConnect with Randy:LinkedIn: / rkbarkley Email: Randy@tricordadv.comInformation and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.
Laura Lee unpack what real estate planning looks like in today’s world—beyond a stack of documents in a binder.They talk through why the best estate plans are less about legal checklists and more about clear communication, access, and preparing the next generation for the responsibilities they’re stepping into. From blended family dynamics to managing digital assets and online accounts, this episode tackles the practical issues most families don’t talk about until it’s too late.If you’ve ever wondered whether your family would actually know what to do, where to go, or who’s in charge if something happened tomorrow, this conversation is for you.In This Episode, You’ll Learn:Why effective estate planning is more than just signing a will or trustHow communication can prevent confusion, conflict, and delaysThe importance of making sure everyone knows where the estate documents areHow to think about roles and responsibilities (successor trustee, executor, POA, etc.)Special considerations for blended families and complex family dynamicsWhy digital assets (logins, subscriptions, crypto, photos, domains, social accounts) must be part of your planHow regular check-ins and family meetings can keep your plan current and clearWhen and why to bring in professional guidance to navigate tricky situationsCheck Out These Key Moments:00:00 – Estate Planning: More Than a Basic Checklist03:06 – Why Communication Is the Real Engine of a Good Estate Plan06:10 – Where Are the Documents? Access, Storage, and Digital Assets09:01 – Defining Roles: Successor Trustees, Executors, and Key Responsibilities12:04 – Blended Families, Second Marriages, and Complex Dynamics14:57 – When to Call in the Pros: Getting Help with Complex Estate IssuesReach out at contact@tricordadvisors.comConnect with Jeremiah:LinkedIn: / jeremiahjlee Email: Jeremiah@tricordadvisors.comConnect with Laura:LinkedIn: / laura-lee-59a83610 Email: Laura@tricordadv.comConnect with Randy:LinkedIn: / rkbarkley Email: Randy@tricordadv.comInformation and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.
Around every corner, it feels like the world is more divided than ever. Politics, economics, culture, identity, and even holidays can become battlefields of ideas. In this episode, we step back from the noise and look at division and conflict through a historical lens, exploring how power, money, and narrative shape the relationship between those at the top and the everyday people underneath.In this episode: 🧠 Why it feels like “we’ve never been this divided” and how history tells a more complicated story 🧠 How conflict over ideas has always existed and why it often flares up during times of economic stress 🧠 The role of power and purse: why those in control fight so hard to maintain their position and resources 🧠 How the populace pushes back and says “this is not right” when the system stops working for them 🧠 What past societies can teach us about the tensions we are living through right now 🧠 Why understanding economics is often the key to understanding conflict and division 🧠 How small moments, like Thanksgiving reflections, can reveal big truths about societal structuresAt the end of the day, division is not just a headline or a talking point. It is the result of real power dynamics, economic systems, and human beings trying to make sense of their place in history. If this conversation challenged how you see what is happening around you, share it with someone who is also wrestling with these questions and keep the discussion going.#division #conflict #powerdynamics #economics #society #socialissues #history #populace #classdivide #ideasReach out at contact@tricordadvisors.comConnect with Jeremiah:LinkedIn: / jeremiahjlee Email: Jeremiah@tricordadvisors.comConnect with Laura:LinkedIn: / laura-lee-59a83610 Email: Laura@tricordadv.comConnect with Randy:LinkedIn: / rkbarkley Email: Randy@tricordadv.com---Information and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.
Most people think wealth comes from buying more investments — but sometimes, the smartest move is to sell, hold cash, and wait.In this episode, Randy Barkley, Jeremiah Lee, and Laura Lee reveal why successful investors often take the opposite approach of the crowd. They dive deep into how a contrarian mindset, smart cash management, and deliberate patience can set you apart from the average investor.You’ll learn:💰 Why “cash is king” — and how liquidity can be your best opportunity engine🧠 The mindset shift that helps wealthy people stay calm during market chaos💵 When selling your best investments might actually make sense🧾 How paying taxes now could mean paying less later🏡 Why living below your means fuels long-term wealth🚀 How to “bet on yourself” as your most valuable investmentIf you’re serious about growing wealth through discipline, strategy, and patience — this episode will reset how you think about money.#Investing #WealthBuilding #ContrarianMindset #FinancialPlanning #CashIsKing #WealthMindset #MoneyTips #PersonalFinance #SmartInvesting #FinancialFreedom #TaxStrategies #Diversification #Liquidity #InvestInYourself #EntrepreneurMindsetReach out at contact@tricordadvisors.comConnect with Jeremiah:LinkedIn: / jeremiahjlee Email: Jeremiah@tricordadvisors.comConnect with Laura:LinkedIn: / laura-lee-59a83610 Email: Laura@tricordadv.comConnect with Randy:LinkedIn: / rkbarkley Email: Randy@tricordadv.com---Information and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.
In this episode of Building Wealthy Habits, Jeremiah and Laura Lee break down one of the most overlooked areas of wealth strategy — estate planning for business owners.If you own a business or hold significant private assets, passing wealth to the next generation isn’t as simple as naming a beneficiary. Without proper planning, your heirs could face a 40%+ tax hit, especially when your estate exceeds the current $30M exemption threshold.We discuss:🗪 Why lifetime shifts of assets are critical for tax efficiency🗪 How to think about transitioning ownership of private companies🗪 The difference between estate planning documents and estate planning strategy🗪 Preparing your heirs so they understand — and can sustain — the legacy you're buildingThis episode is a must-watch for business owners, entrepreneurs, and families serious about generational wealth. We would love to hear your feedback, please comment below!Key Takeaways🔑 Many business owners don’t account for tax liability in their estate plan.🔑 Transferring assets during your lifetime can significantly reduce the tax burden later.🔑 Private companies require special planning due to valuation and liquidity challenges.🔑 Clear communication with heirs is a crucial part of the estate planning process.Estate planning isn’t a one-and-done task — it must be revisited as life, law, and wealth evolve.If you're a business owner wanting to understand your options. Comment below or schedule a strategic financial assessment: https://tricordadvisors.com/contact/#EstatePlanning #GenerationalWealth #BusinessOwners #WealthStrategy #TaxPlanning #BuildingWealthyHabits---Reach out at contact@tricordadvisors.comConnect with Jeremiah:LinkedIn: / jeremiahjlee Email: Jeremiah@tricordadvisors.comConnect with Laura:LinkedIn: / laura-lee-59a83610 Email: Laura@tricordadv.comConnect with Randy:LinkedIn: / rkbarkley Email: Randy@tricordadv.com---Information and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.
Wealth often brings freedom — but it can also bring isolation. In this episode of Building Wealthy Habits, hosts Laura and Jeremiah Lee dive into the emotional side of success, exploring why so many accomplished individuals feel alone when it comes to discussing their financial concerns.They share how genuine communication, empathy, and trust can break down those walls — helping clients find clarity, connection, and confidence in their financial journey.Whether you’re a client, advisor, or someone striving for more balance between wealth and well-being, this conversation shines a light on the importance of emotional support and honest relationships in financial planning.💡 Key TakeawaysSuccess and wealth can sometimes create emotional distance instead of connection.Clients often struggle to find people who understand their challenges without judgment.Honest conversations help relieve emotional strain and improve decision-making.Genuine advisor-client relationships go beyond numbers — they’re built on trust and understanding.Advisors who foster open communication can better support their clients’ overall well-being.👉 Subscribe to Building Wealthy Habits for weekly insights on financial wellness, decision-making, and creating a meaningful relationship with money.#BuildingWealthyHabits #ClientIsolation #WealthConcerns #HonestCommunication #EmotionalSupport #FinancialAdvice #RelationshipBuilding #EmotionalIntelligence #WealthAndWellbeing #FinancialPlanningReach out at contact@tricordadvisors.comConnect with Jeremiah:LinkedIn: / jeremiahjlee Email: Jeremiah@tricordadvisors.comConnect with Laura:LinkedIn: / laura-lee-59a83610 Email: Laura@tricordadv.comConnect with Randy:LinkedIn: / rkbarkley Email: Randy@tricordadv.com---Information and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.
Selling your business is one of the biggest financial decisions you’ll ever make — and the offer you receive is just the beginning.In this episode, Laura and Jeremiah Lee break down what really happens when a buyer shows interest, from understanding different types of offers to evaluating the real value behind the numbers.Learn how to:✅ Prepare your business and mindset before saying yes✅ Build the right team of advisors to protect your interests✅ Avoid common pitfalls that derail deals✅ Navigate the sale timeline with clarity and confidenceKey Takeaways:🧠 Business owners often feel unprepared when receiving an offer to sell.🧠 It's crucial to understand the difference between strategic and financial offers.🧠 Building a strong team of advisors is essential for a successful sale.🧠 Evaluating the gross versus net value of an offer is critical.🧠 The timeline for closing a deal can vary significantly.🧠 Personal financial planning should align with the sale of the business.🧠 Investment bankers can help maximize the sale price by generating interest.🧠 Understanding tax implications is vital when selling a business.🧠 Negotiating terms clearly can prevent future misunderstandings.🧠 Emotional readiness is as important as financial readiness when selling a business. Keep your habits healthy and wealthy, subscribe to the show today! We release new episodes every Tuesday at 6am!Reach out at contact@tricordadvisors.comConnect with Jeremiah:LinkedIn: / jeremiahjlee Email: Jeremiah@tricordadvisors.comConnect with Laura:LinkedIn: / laura-lee-59a83610 Email: Laura@tricordadv.comConnect with Randy:LinkedIn: / rkbarkley Email: Randy@tricordadv.com---Information and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.
As entrepreneurs, it’s easy to stay laser-focused on growing the business — but what about growing you?In this episode, we dive into how business owners can create personal financial freedom while still fueling their company’s success. From reinvestment decisions to tax strategies and wealth diversification, this conversation is packed with insights for anyone looking to build a business and a lasting legacy.We explore:✍ How to know when to reinvest vs. when to take chips off the table✍ Why diversification matters — and how to do it without slowing your momentum✍ Smart tax moves that can help you keep more of what you earn✍ Using real estate as a stabilizing wealth builder✍ The hidden risks of tying all your net worth to one business✍ Succession and exit planning that sets up your family and team for success✍ What “balance” actually looks like for high-performing entrepreneursDid you know that we drop videos weekly on Tuesdays? Subscribe today and start building your wealthy habits!Reach out at contact@tricordadvisors.comConnect with Jeremiah:LinkedIn: / jeremiahjlee Email: Jeremiah@tricordadvisors.comConnect with Laura:LinkedIn: / laura-lee-59a83610 Email: Laura@tricordadv.comConnect with Randy:LinkedIn: / rkbarkley Email: Randy@tricordadv.com---Information and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.
Most people think gifting is simple: write a check, transfer some stock, done. But here’s the truth—gifting can either save you taxes and strengthen family ties, or create conflict and unexpected tax bills.In this video, we dive into the complexities of gifting in tax planning and family dynamics. You’ll learn how to give meaningfully, avoid pitfalls, and ensure your generosity aligns with your long-term financial goals.What You’ll Learn in This Episode:💡 Why gifting decisions depend on personal circumstances (no cookie-cutter solutions)💡 How the annual gift tax exclusion really works💡 When to use intra-family loans and trusts to protect both sides💡 Why gifting equities can save taxes (but comes with cost basis implications)💡 How clear communication prevents family disputes over money💡 Why funding experiences may matter more than cash gifts💡 How to pressure test your financial plan before making big gifts💡 Aligning your gifting strategy with your values and long-term securityDone right, gifting is more than money—it’s a legacy.📌 Subscribe for more insights on tax planning, retirement strategies, and building a financial legacy.👍 Like this video if you found it helpful, and drop your questions in the comments—I’ll respond personally.#FinancialPlanning #TaxPlanning #GiftingStrategies #WealthManagement #RetirementPlanningReach out at contact@tricordadvisors.comConnect with Jeremiah:LinkedIn: / jeremiahjlee Email: Jeremiah@tricordadvisors.comConnect with Laura:LinkedIn: / laura-lee-59a83610 Email: Laura@tricordadv.comConnect with Randy:LinkedIn: / rkbarkley Email: Randy@tricordadv.comInformation and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.
In this episode, Laura and Jeremiah Lee discuss strategic charitable giving and its tax benefits. They explore donor-advised funds, appreciated stock donations, and qualified charitable distributions, offering insights into maximizing tax efficiency while supporting meaningful causes.Takeaways:📌 Charitable giving can significantly impact your end-of-year tax liability.📌 Donor-advised funds allow for strategic, tax-efficient charitable contributions.📌 Appreciated stock donations offer a tax-efficient alternative to cash donations.📌 Qualified charitable distributions can reduce taxable income from retirement accounts.📌 Combining strategies like Roth conversions with charitable giving can optimize tax benefits.📌 Donor-advised funds provide flexibility in timing and anonymity of donations.📌 Charitable giving strategies can be tailored to individual financial goals and legacy planning.📌 Understanding tax implications of different assets is crucial for effective charitable giving.📌 Strategic giving can enhance personal satisfaction and community impact.📌 Regularly reviewing and updating charitable strategies ensures alignment with personal values.Reach out at contact@tricordadvisors.comConnect with Jeremiah:LinkedIn: / jeremiahjlee Email: Jeremiah@tricordadvisors.comConnect with Laura:LinkedIn: / laura-lee-59a83610 Email: Laura@tricordadv.comConnect with Randy:LinkedIn: / rkbarkley Email: Randy@tricordadv.comInformation and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.
This week, Laura and Jeremiah Lee break down the pivotal life moments when hiring a financial advisor isn’t just smart—it’s essential. From navigating complex financial decisions to building a trusted financial team, they reveal what really sets qualified advisors apart. You’ll learn why personalized guidance matters most during major transitions and how the right advisor can help you cut through confusion, avoid costly mistakes, and move forward with confidence.In This Episode:✅ It's never a one size fits all when hiring a financial advisor.✅ Complexity in financial situations often signals the need for professional help.✅ Having a financial team can help you focus on your strengths.✅ A financial advisor provides guidance but does not make decisions for you.✅ Understanding how a financial advisor gets paid is crucial.✅ Diversification is key as your financial situation grows.✅ The relationship with a financial advisor should be holistic and personal.✅ It's important for spouses to be involved in financial planning.✅ Feeling lonely in financial decisions can be alleviated with professional support.✅ A financial advisor can help navigate significant life changes and transitions.Reach out at contact@tricordadvisors.comConnect with Jeremiah:LinkedIn: / jeremiahjlee Email: Jeremiah@tricordadvisors.comConnect with Laura:LinkedIn: / laura-lee-59a83610 Email: Laura@tricordadv.comConnect with Randy:LinkedIn: / rkbarkley Email: Randy@tricordadv.comInformation and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.
In this episode, Laura Lee, Jeremiah Lee and Randy Barkley, break down some of the intricacies of estate planning, highlighting common missteps and offering practical advice to avoid them. They discuss the importance of having a trust over a will, the pitfalls of adding children to property titles, and the complexities of managing illiquid assets. The conversation also touches on the significance of coordinating estate plans with other assets and understanding community property laws.TakeawaysAvoid common estate planning missteps to prevent future inconvenience.A trust is more effective than a will in avoiding probate.Adding children to property titles can lead to tax and liability issues.Plan for illiquid assets like property and businesses carefully.Coordinate estate plans with other financial assets for consistency.Understand community property laws and their impact on estate planning.Beneficiary designations can override estate plans if not aligned.Estate planning should include discussions with family members.Tax implications of inheritance can be significant and need planning.Regularly review and update estate plans to reflect current situations.Reach out at contact@tricordadvisors.comConnect with Jeremiah:LinkedIn: / jeremiahjlee Email: Jeremiah@tricordadvisors.comConnect with Laura:LinkedIn: / laura-lee-59a83610 Email: Laura@tricordadv.comConnect with Randy:LinkedIn: / rkbarkley Email: Randy@tricordadv.comInformation and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.
Laura are coming at you this week to discuss strategies for retiring without running out of money. They explore the importance of aligning financial planning with personal values, addressing common fears about retirement, and the significance of legacy and philanthropy. The conversation emphasizes the need for a well-structured plan that accommodates both essential needs and discretionary spending, allowing retirees to enjoy their freedom and make impactful contributions.In this episode:00:00:01 Introduction to Retirement Planning 00:00:31 Aligning Money with Life's Purpose 00:01:11 Addressing Common Retirement Fears 00:02:16 Strategies for Sustainable Wealth 00:04:23 Legacy and Philanthropy 00:08:16 Balancing Needs and Discretionary Spending 00:13:26 Navigating Taxes and Withdrawal Strategies 00:17:27 Creating a Freedom Bucket#retirementplanning #financialfreedom #legacy #philanthropy #discretionaryspendingReach out at contact@tricordadvisors.comConnect with Jeremiah:LinkedIn: / jeremiahjlee Email: Jeremiah@tricordadvisors.comConnect with Laura:LinkedIn: / laura-lee-59a83610 Email: Laura@tricordadv.comConnect with Randy:LinkedIn: / rkbarkley Email: Randy@tricordadv.comInformation and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.
This week we are talking about the complexities of retirement planning for high net worth individuals. Do NOT miss this episode, as we are covering creating diverse income streams, achieving tax efficiency, and planning for a meaningful legacy. This episode offers insights into personalizing retirement plans to align with your lifestyle goals and values.Key Takeaways:Understanding the importance of diversified income streams in retirement. Exploring tax-efficient strategies and the role of Roth conversions. The significance of legacy planning and charitable giving. Adapting retirement plans to dynamic life changes and family needs.#RetirementPlanning #HighNetWorth #FinancialStrategy #LegacyPlanningReach out at contact@tricordadvisors.comConnect with Jeremiah:LinkedIn: / jeremiahjlee Email: Jeremiah@tricordadvisors.comConnect with Laura:LinkedIn: / laura-lee-59a83610 Email: Laura@tricordadv.comConnect with Randy:LinkedIn: / rkbarkley Email: Randy@tricordadv.comInformation and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.
You asked, and we listened! This week we are dissecting the tax implications of the Big Beautiful Bill. Discover how changes in SALT deductions, estate tax exemptions, and bonus depreciation can impact your financial planning. Whether you're a business owner or planning your estate, this episode offers valuable insights to help you navigate these changes.Key Topics:SALT deduction increase to $40,000 Estate tax exemption adjustments 100% bonus depreciation for business owners Charitable giving strategies and donor-advised fundsFor more insights and personalized advice, reach out to Tricord Advisors. Stay informed and make the most of your financial opportunities!#TaxBenefits #FinancialPlanning #BigBeautifulBillReach out at contact@tricordadvisors.comConnect with Jeremiah:LinkedIn: / jeremiahjlee Email: Jeremiah@tricordadvisors.comConnect with Laura:LinkedIn: / laura-lee-59a83610 Email: Laura@tricordadv.comConnect with Randy:LinkedIn: / rkbarkley Email: Randy@tricordadv.comInformation and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.
Today we focus on one of the most critical aspects of retirement: the first five years of, emphasizing the importance of planning, financial stability, and understanding the complexities of retirement income. We discuss common pitfalls, such as impulsive purchases and the necessity of a solid cash flow plan. Randy, Laura and Jeremiah also highlight the significance of healthcare costs, tax efficiency, and investment strategies tailored for retirees. TakeawaysThe first five years of retirement are crucial for establishing habits.Creating a financial plan is essential for clarity and confidence.Emergency funds should cover 12 to 24 months of expenses.Healthcare costs can significantly impact retirement budgets.Roth IRA contributions can be strategic during low-income years.Investment strategies may need to shift as retirement progresses.Social security decisions should be made carefully, considering long-term benefits.Understanding the sequence of returns is vital for withdrawal strategies.Planning for multiple income streams can ease financial stress in retirement.Having a financial advisor can simplify complex retirement planning.Reach out at contact@tricordadvisors.comConnect with Jeremiah:LinkedIn: / jeremiahjlee Email: Jeremiah@tricordadvisors.comConnect with Laura:LinkedIn: / laura-lee-59a83610 Email: Laura@tricordadv.comConnect with Randy:LinkedIn: / rkbarkley Email: Randy@tricordadv.com---Information and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.
In this episode, Laura Lee and Randy Barkley dive into the common pitfalls business owners face when they rely solely on their business as their retirement plan. They discuss the importance of diversification, planning for the future, and the complexities of selling a business. With insights from financial planning experts, this episode is a must-listen for entrepreneurs looking to secure their financial future.Key Takeaways:The risks of viewing your business as your sole retirement asset. The importance of diversification in your financial portfolio. Planning for the sale of your business well in advance. Understanding the complexities of taxes and wealth transfer.If these topics resonate with you, consider reaching out to a certified financial planner to discuss a strategy that best serves your financial goals.#BusinessPlanning #FinancialSecurity #EntrepreneurshipReach out at contact@tricordadvisors.comConnect with Jeremiah:LinkedIn: / jeremiahjlee Email: Jeremiah@tricordadvisors.comConnect with Laura:LinkedIn: / laura-lee-59a83610 Email: Laura@tricordadv.comConnect with Randy:LinkedIn: / rkbarkley Email: Randy@tricordadv.comInformation and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.
Join Jeremiah Lee, Laura Lee and Randy Barkley as they unleash on the complexities of real estate decisions for those approaching or in retirement. This episode explores the emotional and financial aspects of downsizing, the role of real estate in your investment portfolio, and the tax implications of selling your home.In This Episode:The emotional connection to your home and its impact on decision-making. Understanding real estate as an asset versus an expense. Tax considerations when selling a primary residence in California. The pros and cons of downsizing or transitioning to a condo community. Strategies for unlocking the value of your home for retirement income.If you're considering retirement or expanding your real estate portfolio, contact Tri-Court Advisors for personalized advice. #RealEstate #RetirementPlanning #FinancialQuestions---Reach out at contact@tricordadvisors.comConnect with Jeremiah:LinkedIn: / jeremiahjlee Email: Jeremiah@tricordadvisors.comConnect with Laura:LinkedIn: / laura-lee-59a83610 Email: Laura@tricordadv.comConnect with Randy:LinkedIn: / rkbarkley Email: Randy@tricordadv.comInformation and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.
In this episode, Jeremiah Lee, Laura Lee and Randy Barkley dive into the crucial topic of financial strategy for business owners. They explore the concept of "paying yourself first" and discuss the balance between reinvesting in your business and enjoying personal financial success. Learn from real-life stories and expert advice on how to avoid common pitfalls and make wise financial decisions.In This Episode:The importance of setting aside funds for taxes and retirement. Strategies for balancing personal and business expenses. Insights on building a financial safety net for business owners. The role of financial advisors in managing business finances.If you're a business owner looking for financial guidance, reach out to Trey Court Advisors for expert advice tailored to your needs.#BusinessFinance #Entrepreneurship #FinancialPlanning=======Reach out at contact@tricordadvisors.comConnect with Jeremiah:LinkedIn: / jeremiahjlee Email: Jeremiah@tricordadvisors.comConnect with Laura:LinkedIn: / laura-lee-59a83610 Email: Laura@tricordadv.comConnect with Randy:LinkedIn: / rkbarkley Email: Randy@tricordadv.comInformation and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.
Join Randy, Laura and Jeremiah as they navigate the complex world of retirement taxes. In this episode, they break down the intricacies of IRMAA (Income Related Monthly Adjustment Amount), RMDs (Required Minimum Distributions), and Roth conversions. Discover how these financial elements impact retirees and learn strategies to manage your tax liabilities effectively.In This Episode:Understanding IRMAA and its impact on Medicare premiums.The importance of planning for RMDs and how they affect your tax bracket.Exploring Roth conversions as a strategic tax planning tool.Insights into charitable contributions and their tax benefits.#RetirementPlanning #TaxStrategy #FinancialAdviceDon't let retirement taxes catch you off guard. Tune in to gain valuable insights and strategies to ensure smooth sailing into your golden years.===Reach out at contact@tricordadvisors.comConnect with Jeremiah:LinkedIn: / jeremiahjlee Email: Jeremiah@tricordadvisors.comConnect with Laura:LinkedIn: / laura-lee-59a83610 Email: Laura@tricordadv.comConnect with Randy:LinkedIn: / rkbarkley Email: Randy@tricordadv.comInformation and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.
This week we are discussing the key highlights of the Big Beautiful Bill, focusing on significant tax changes, implications for estate planning, and the impact on various financial aspects such as deductions and credits. This episode emphasizes the importance of understanding these changes for effective financial planning and the potential benefits for individuals and businesses.Key Takeaways:The Big Beautiful Bill is extensive and complex, covering many financial aspects.Key tax cuts from the previous bill have been made permanent.The estate tax exemption has been extended, benefiting many families.Changes to tax brackets will also be permanent, providing stability.New tax credits and deductions are introduced, including for child tax credits.The bill impacts overtime and tips, allowing some income to be tax-exempt.Businesses will see changes that could encourage growth and hiring.Understanding the bill requires consulting with financial professionals.Resources are available for deeper insights into the bill's implications.The conversation highlights the need for proactive financial planning. ===Reach out at contact@tricordadvisors.comConnect with Jeremiah:LinkedIn: / jeremiahjlee Email: Jeremiah@tricordadvisors.comConnect with Laura:LinkedIn: / laura-lee-59a83610 Email: Laura@tricordadv.comConnect with Randy:LinkedIn: / rkbarkley Email: Randy@tricordadv.comInformation and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.
One of the most common questions we get is around how to plan for the unexpected, and today Laura and Jeremiah are tackling the complexities of navigating unexpected life events from a financial planning perspective. They explore how life pivots—whether it’s an unexpected inheritance, business sale, or personal loss—can reshape retirement plans and long-term goals. The conversation underscores the role of financial advisors as thought partners who help clients maintain financial hygiene, revise their strategies, and communicate openly about goals as life changes unfold.In this episode:You can’t plan for the unexpected, but you can prepare for it.Financial advisors should be thought partners, not just money managers.An unexpected inheritance can significantly shift a retirement plan.Life pivots often require a revision of life goals and financial strategies.Open, ongoing conversations about money are essential.Maintaining financial hygiene—like building an emergency fund—is key.Clear financial visibility empowers better decision-making during transitions.Supporting survivor spouses is crucial in times of loss.Creating a safe space for financial dialogue can strengthen relationships.===Reach out at contact@tricordadvisors.comConnect with Jeremiah:LinkedIn: / jeremiahjlee Email: Jeremiah@tricordadvisors.comConnect with Laura:LinkedIn: / laura-lee-59a83610 Email: Laura@tricordadv.comConnect with Randy:LinkedIn: / rkbarkley Email: Randy@tricordadv.comInformation and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.
In episode 75 of Building Wealthy Habits, hosts Laura, Randy and Jeremiah discuss the the complexities of investor sentiment and the emotional responses that influence investment decisions. They explore the importance of understanding market volatility, the risks associated with concentrated investments, and the necessity of diversification. The discussion also highlights the significance of liquidity for entrepreneurs, emotional responses to market fluctuations, and the need for long-term investment strategies. Ultimately, they emphasize the interplay between psychology and mathematics in successful investing.In This Episode:00:00 Understanding Investor Sentiment03:03 The Risks of Concentrated Investments05:59 The Importance of Diversification09:05 Liquidity and Access to Capital12:11 Emotional Responses to Market Fluctuations15:09 Long-Term Investment Strategies17:51 The Role of Psychology in InvestingReach out at contact@tricordadvisors.comConnect with Jeremiah:LinkedIn: / jeremiahjlee Email: Jeremiah@tricordadvisors.comConnect with Laura:LinkedIn: / laura-lee-59a83610 Email: Laura@tricordadv.comConnect with Randy:LinkedIn: / rkbarkley Email: Randy@tricordadv.comInformation and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.
In this episode, we explore the deep connection between mindset and money through the lens of Morgan Housel's best-selling book The Psychology of Money. This conversation unpacks the emotional and psychological forces that drive financial behavior and long-term wealth building.We discuss why wealth isn’t always visible, how compounding works best with time and patience, and why understanding your personal definition of “enough” can be the key to lasting financial freedom. Whether you're an investor, financial professional, or someone seeking more intentionality with your money, this episode offers timeless principles and practical mindset shifts.💡 Key Takeaways:Understanding the psychology behind money is essential for smart investingTrue wealth is what you don’t see—it’s savings, not spendingCompounding requires patience and a long-term viewClarity around what “enough” means is a shortcut to financial independenceYour financial mindset is shaped by your background and experiencesScarcity thinking limits potential; an abundance mindset fuels growthInvesting should align with your personal values and long-term purposeContentment and ambition can (and should) coexist in your financial life📚 Resources Mentioned:The Psychology of Money by Morgan Housel---------------Reach out at contact@tricordadvisors.comConnect with Jeremiah:LinkedIn: / jeremiahjlee Email: Jeremiah@tricordadvisors.comConnect with Laura:LinkedIn: / laura-lee-59a83610 Email: Laura@tricordadv.comConnect with Randy:LinkedIn: / rkbarkley Email: Randy@tricordadv.comInformation and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.
Join us as Laura and Jeremiah Lee discuss the critical moments when individuals should consider hiring a financial advisor. They explore the complexities of financial situations, the importance of having a financial team, and the need for holistic financial planning. The discussion emphasizes the value of having a trusted advisor to navigate major financial decisions and support clients through various life stages, ensuring that their financial plans align with their goals and needs.Key Takeaways:It's essential to recognize when your financial situation becomes complex.Hiring a financial advisor can provide clarity and support during significant life changes.A financial advisor acts as a partner in navigating financial decisions.Understanding the difference between various financial advisors is crucial.Holistic financial planning considers all aspects of a client's life.Diversification is key to managing financial risk effectively.Clients should feel supported and not alone in their financial journey.The relationship with a financial advisor should be ongoing and personal.It's important to prepare your spouse for financial management in case of unforeseen events.Financial advisors can help clients make informed decisions about their investments.==========Reach out at contact@tricordadvisors.comConnect with Jeremiah:LinkedIn: / jeremiahjlee Email: Jeremiah@tricordadvisors.comConnect with Laura:LinkedIn: / laura-lee-59a83610 Email: Laura@tricordadv.comConnect with Randy:LinkedIn: / rkbarkley Email: Randy@tricordadv.comInformation and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.
In this week’s episode, we take a decade-by-decade journey through the financial decisions that shape your life. Whether you're just starting out or thinking about legacy, this conversation breaks down the mindsets and strategies that build wealth—and keep it. From building habits in your 20s to making an impact in your 70s, we’ll show you how to align your money with your life goals every step of the way.What You'll Learn:Why your 20s are less about getting rich and more about building the right money habitsHow to avoid lifestyle creep and stay focused in your 30sThe make-or-break financial moves of your 40sHow to protect your retirement while helping your kids through collegeWhat to prioritize in your 50s to set up a strong retirementHow to shift from growth to giving in your 60s and 70s---Reach out at contact@tricordadvisors.comConnect with Jeremiah:LinkedIn: / jeremiahjlee Email: Jeremiah@tricordadvisors.comConnect with Laura:LinkedIn: / laura-lee-59a83610 Email: Laura@tricordadv.comConnect with Randy:LinkedIn: / rkbarkley Email: Randy@tricordadv.comInformation and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.
In episode 71 of Building Wealthy habits, Randy, Laura and Jeremiah discuss essential strategies for entrepreneurs to build and preserve wealth while navigating the complexities of business ownership. They emphasize the importance of diversification, retirement planning, and cash flow management, as well as the need for clear business structures and exit strategies. The discussion also touches on the challenges faced by family businesses and the significance of adapting to generational changes in business management.In this episode:Entrepreneurs often focus solely on their business, neglecting personal finance.Diversification is crucial for long-term financial stability.Real estate can be a valuable asset for entrepreneurs.Retirement plans can provide tax benefits and financial security.Cash flow management is essential for seizing new opportunities.Structuring a business with clear exit strategies is vital.Family businesses face unique challenges that require open communication.Entrepreneurs should seek advice from experienced peers.Planning for retirement should start early in the entrepreneurial journey.Listening to the next generation's vision is key for family business success.Reach out at contact@tricordadvisors.comConnect with Jeremiah:LinkedIn: / jeremiahjlee Email: Jeremiah@tricordadvisors.comConnect with Laura:LinkedIn: / laura-lee-59a83610 Email: Laura@tricordadv.comConnect with Randy:LinkedIn: / rkbarkley Email: Randy@tricordadv.comInformation and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.
In this episode of Building Wealthy Habits, Randy, Laura and Jeremiah discuss the essential preparations needed for selling a business. They emphasize the importance of planning ahead, structuring the business appropriately, and understanding the personal dynamics involved in the sale. Real-life examples illustrate the consequences of inadequate preparation, while the speakers also touch on the significance of timing and personal financial planning post-sale. The discussion aims to equip business owners with insights to maximize the value of their business and ensure a smooth transition.Key Takeaways:Preparation is crucial when planning to sell a business.Many business owners fail to plan adequately for a sale.Structuring your business correctly can maximize its value.Separating business assets from real estate can provide tax advantages.Reviewing contracts and ensuring long-term agreements can enhance business value.Intellectual property should be secured before selling a business.Understanding personal goals is essential when preparing for a sale.Timing the sale of a business can significantly impact its value.Retirement planning should not be neglected during the sale process.Your business should be viewed as a tool for future opportunities.Reach out at contact@tricordadvisors.comConnect with Jeremiah:LinkedIn: / jeremiahjlee Email: Jeremiah@tricordadvisors.comConnect with Laura:LinkedIn: / laura-lee-59a83610 Email: Laura@tricordadv.comConnect with Randy:LinkedIn: / rkbarkley Email: Randy@tricordadv.comInformation and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.
Today, Laura and Jeremiah Lee discuss the critical aspects of estate planning, emphasizing that it goes beyond just having a will. They explore the importance of advanced healthcare directives, the implications of probate, and the essential components of a comprehensive estate plan, including trusts and powers of attorney. Through real-life stories, they illustrate the necessity of planning for the unexpected and the value of clear communication in estate planning.Key Takeaways:Everyone should have an advanced healthcare directive.Probate can be lengthy and expensive, often compared to the DMV.California estate planning laws differ from other states.A trust keeps your estate private, while a will does not.Clear communication is essential in estate planning.It's important to have an estate plan in place when healthy.Trusts can dictate how and when assets are distributed.Durable powers of attorney are crucial for decision-making.Probate is not a fast process and can cause delays.Regularly review and update your estate plan.---Reach out at contact@tricordadvisors.comConnect with Jeremiah:LinkedIn: / jeremiahjlee Email: Jeremiah@tricordadvisors.comConnect with Laura:LinkedIn: / laura-lee-59a83610 Email: Laura@tricordadv.comConnect with Randy:LinkedIn: / rkbarkley Email: Randy@tricordadv.comInformation and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.
This week, we are talking about the current state of the markets through a historical lens, examining past administrations and their economic impacts. We explore the lessons learned from the Carter-Reagan transition, the Great Depression under Hoover, and the recovery during FDR's New Deal. If anything, we want to emphasize the cyclical nature of the economy, the importance of diversification in investment, and the need to focus on data rather than political rhetoric to navigate current market uncertainties.In This Episode: 00:00 Market Chaos: A Historical Perspective01:46 Lessons from the Carter-Reagan Transition11:00 The Great Depression and Hoover's Era14:31 FDR's New Deal and Economic Recovery16:58 Comparing Past and Present Economic Indicators22:50 Investment Philosophy: Lessons for Today---Reach out at contact@tricordadvisors.comConnect with Jeremiah:LinkedIn: / jeremiahjlee Email: Jeremiah@tricordadvisors.comConnect with Laura:LinkedIn: / laura-lee-59a83610 Email: Laura@tricordadv.comConnect with Randy:LinkedIn: / rkbarkley Email: Randy@tricordadv.comInformation and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.
Do you ever find yourself contemplating the complexities of inheritance, property transfer, and estate planning? Well in episode 67 of Building Wealthy Habits, we are tackling common misconceptions surrounding these topics, particularly regarding the implications of putting children on property titles and the tax benefits of inheritance. Randy and Jeremiah emphasize the importance of understanding gifting limits and the necessity of testing financial responsibility in family gifts. Tune in as we also cover the intricacies of estate planning for high-value assets and the significance of comprehensive planning to avoid pitfalls, especially concerning retirement accounts and estate taxes.In This Episode:Many clients misunderstand the implications of putting children on property titles.Inheritance can provide significant tax benefits through a step-up in basis.Gifting has limits, but exceeding them doesn't necessarily incur taxes.Testing financial responsibility in children is crucial before large gifts.Estate planning should be proactive, especially for high-value assets.Retirement accounts have different rules regarding inheritance and taxation.Comprehensive estate planning is essential for effective wealth management.The tax code is complex and requires regular review and planning.Families often overlook the importance of discussing estate planning openly.Wealth management involves integrating estate planning with overall financial strategies.Reach out at contact@tricordadvisors.comConnect with Jeremiah:LinkedIn: / jeremiahjlee Email: Jeremiah@tricordadvisors.comConnect with Laura:LinkedIn: / laura-lee-59a83610 Email: Laura@tricordadv.comConnect with Randy:LinkedIn: / rkbarkley Email: Randy@tricordadv.comInformation and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.
In this Episode, Laura, Jeremiah and Randy discuss the critical catastrophes to avoid as individuals approach retirement. They emphasize the importance of planning for healthcare costs, the timing of Social Security benefits, and the necessity of estate planning. The discussion highlights common mistakes, such as overspending in early retirement and neglecting to stress test financial plans. This episode is full of insights into how to navigate these challenges effectively, ensuring a secure and fulfilling retirement.In This Episode:Fear of outliving money is a common concern.Healthcare and long-term care planning are crucial.Claiming Social Security too early can reduce benefits significantly.Estate planning is essential to avoid complications later.Investing strategies should adapt as one ages.Stress testing financial plans helps identify potential issues.Inflation can erode purchasing power in retirement.Overspending in early retirement can lead to future financial strain.Target date funds may need adjustments for longer retirement horizons.Planning with a trusted advisor can mitigate retirement risks.Reach out at contact@tricordadvisors.comConnect with Jeremiah:LinkedIn: / jeremiahjlee Email: Jeremiah@tricordadvisors.comConnect with Laura:LinkedIn: / laura-lee-59a83610 Email: Laura@tricordadv.comConnect with Randy:LinkedIn: / rkbarkley Email: Randy@tricordadv.comInformation and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.
In this conversation, Laura, Randy, and Jeremiah discuss the signs that indicate someone may not be ready to retire. They explore various factors such as financial insecurity, the complexity of retirement income streams, the importance of budgeting, family dynamics, the search for purpose post-retirement, and the significant costs associated with healthcare. The discussion emphasizes the need for a comprehensive retirement plan that considers not just finances but also emotional and familial aspects.In This Episode:Financial insecurity is a major concern for those considering retirement.Understanding multiple income streams is crucial for retirement planning.Budgeting is essential to track spending and prepare for retirement.Family dynamics can significantly impact retirement plans and expenses.Healthcare costs can be a major financial burden in retirement.Finding purpose after work is important for a fulfilling retirement.Many people underestimate their future tax liabilities in retirement.Planning for unexpected health events is vital for financial security.Engagement in work can provide fulfillment beyond financial needs.Retirement planning should include a holistic view of household needs.Reach out at contact@tricordadvisors.comConnect with Jeremiah:LinkedIn: / jeremiahjlee Email: Jeremiah@tricordadvisors.comConnect with Laura:LinkedIn: / laura-lee-59a83610 Email: Laura@tricordadv.comConnect with Randy:LinkedIn: / rkbarkley Email: Randy@tricordadv.comInformation and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.
This episode digs deep into effective tax strategies for minimizing tax liability, focusing on long-term planning, estate planning, retirement contributions, and smart investing. Randy, Laura and Jeremiah discuss the implications of recent tax law changes, the importance of proactive tax planning, and various strategies such as tax loss harvesting and charitable contributions to optimize tax outcomes.In this episode:Chances of being audited are likely reduced this year.Long-term tax planning is essential to avoid surprises.Estate tax exemptions are set to change in 2025.Retirement contributions can significantly impact tax liability.Tax loss harvesting can offset gains with losses.Charitable contributions can reduce taxable income.Holistic investment strategies can optimize tax outcomes.Communication with CPAs is critical for effective tax planning.Understanding the difference between Roth and traditional IRAs is key.Proactive planning can prevent last-minute tax issues.Reach out at contact@tricordadvisors.comConnect with Jeremiah:LinkedIn: / jeremiahjlee Email: Jeremiah@tricordadvisors.comConnect with Laura:LinkedIn: / laura-lee-59a83610 Email: Laura@tricordadv.comConnect with Randy:LinkedIn: / rkbarkley Email: Randy@tricordadv.comInformation and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.
In episode 63 of Building Wealthy Habits, Randy, Laura and Jeremiah are joined once again by Dr. Jason Thomas discuss the current market performance and sentiment for Q1 2025. If you missed Jason’s previous drop into Building Wealthy Habits, check out episode 19! In this episode, the group analyzes the volatility in portfolios, the impact of sector performance, and the importance of diversification. The discussion also highlights the emotional aspects of investing and the need for strategic financial planning, especially in light of tax implications and market uncertainties.
In episode 62 of Building Wealthy Habits, hosts Laura, Randy and Jeremiah discuss the essential steps and considerations involved in buying a business. They explore the motivations behind acquisitions, the importance of evaluating potential companies, financing options, structuring deals, and navigating negotiations. The discussion emphasizes the need for thorough due diligence, the role of professional advisors, and the significance of aligning values and goals between buyers and sellers.
We break the mold a little bit in this episode as we dive into the critical topic of teaching children about money and financial literacy. We stress the importance of intentional and age-appropriate money conversations, exploring practical ways to introduce kids to concepts like budgeting, giving, investing, and entrepreneurship. From simple barter systems to hands-on budgeting techniques using envelopes, the discussion provides actionable tips for parents to help their children develop strong financial habits early on. Laura and Jeremiah share personal stories, highlighting how financial education can start in small, meaningful ways that set the stage for a lifetime of good money habits.
In this conversation, Randy, Laura, and Jeremiah discuss the crucial role trust plays in financial advisory. We share how trust is built not just through knowledge and expertise, but through effective communication, understanding client needs, and being there during life’s most important moments. Through personal stories, we highlight how trust impacts client relationships and why being a fiduciary—always putting the client’s best interests first—is so important.Every client interaction, big or small, is a chance to either strengthen or weaken that trust. We cover how accountability, consistent follow-up, and really listening to clients help build lasting relationships. Life events often challenge trust, but they also offer opportunities to grow stronger connections with clients.
In this episode of the Building Wealthy Habits Podcast, we dive deep into the overall vision, and investments in 2025 and beyond. We emphasize the importance of understanding your personal financial goals and aligning them with current market trends. From the impact of political and economic uncertainty on investment strategies to the potential of alternative investments like real estate and crypto, this episode offers valuable insights on how to navigate a changing landscape.We discuss the significance of rebalancing portfolios to maintain the right balance of risk and return, and explore how investments like bonds, real estate, and even speculative assets like crypto can fit into your strategy. We also emphasize the need for cultivating a healthy relationship with money, ensuring that your financial decisions align with your personal values to achieve long-term financial freedom.
In this heart-to-heart episode, advisors, and husband-and-wife, Laura and Jeremiah Lee, dive into the vital role date nights play in strengthening relationships, particularly when it comes to building a solid financial future. They share their personal journey, offering candid insights into how open communication, personal growth, and intentional efforts have shaped both their marriage and their financial success. Laura and Jeremiah discuss how even the smallest intentional conversations can deepen connection, foster understanding, and impact long-term financial stability. Together, they reflect on how navigating changes as a couple encourages growth in both their personal lives and their business.
In episode 55 of Building Wealthy Habits, hosts Laura and Jeremiah Lee are joined by Laura Lyng to dive into the topic of limiting beliefs and their effects on both personal and professional development. They explore how these beliefs can block progress and prevent individuals from reaching their full potential. The conversation covers strategies for recognizing, questioning, and reshaping limiting beliefs into empowering ones. Emphasizing the value of executive coaching, they share practical exercises to help shift mindset and create lasting change.
In this episode of Building Wealthy Habits, Laura, Jeremiah, and Randy explore the world of the FIRE (Financial Independence, Retire Early) movement. They go deep on the key principles behind FIRE, from extreme savings to passive income, and how millennials are embracing the idea of financial independence and early retirement. And while everything with FIRE might sound fine and dandy, they do discuss the challenges that come with achieving FIRE, the impact of social media on setting unrealistic expectations, and the importance of balancing financial goals with personal values. If you’re considering FIRE or just curious about its real-world implications, this episode offers practical tips on saving, investing, and managing debt to help you reach your financial independence goals.
In this week’s episode of Building Wealthy Habits we are joined by Josh Coniglio to discuss the multifaceted role of real estate in financial planning, emphasizing its value as a diversifier in investment portfolios. We explore the various types of real estate investments, the importance of liquidity, and the potential pitfalls of investing solely for tax benefits. The conversation also covers structuring real estate investments through LLCs and trusts, the role of REITs, and the necessity of due diligence when evaluating real estate opportunities. We hope that if you take anything away from this week’s episode, it’s the importance of maintaining liquidity and a well-rounded investment strategy.
Welcome to this episode of Building Wealthy Habits with Jeremiah and Laura! Today, we’re diving deep into the world of financial planning, and we’re doing it through the lens of Joe and Debbie—our fictional clients. But this conversation is far from fictional—it’s real, relatable, and packed with actionable insights. Jeremiah and Laura take you step by step through the process of crafting a financial plan, from understanding your unique profile to using planning tools, analyzing cash flow, and setting up retirement income. They also highlight the importance of tailoring your plan to your personal goals, factoring in long-term care, and optimizing taxes to maximize your savings. This episode is all about helping you build a full, clear financial picture, so you can make empowered decisions for a secure future.
In this episode, Laura and Randy discuss the intricacies of family-owned businesses with Keanon Alderson, the director of the Family Business Center at Cal Baptist University. They explore the unique challenges and opportunities that family firms face, including the importance of succession planning, effective communication, and the role of technology in modern business practices. The conversation emphasizes the need for a strong support team and governance structures to ensure the longevity and success of family businesses.
In this episode of Building Wealthy Habits, Laura and Jeremiah are joined by Max Kayes, a licensed Marriage and Family Therapist and life coach, to discuss the relationship with money. Max explains Neuro-Linguistic Programming (NLP) and its role in personal development. He outlines the six basic human needs: certainty, variety, significance, love/connection, growth, and contribution, emphasizing their importance in financial planning. Laura and Jeremiah get Max to discuss how these needs align with values and how financial strategies should adapt to individual and couple dynamics. They highlight the unique challenges faced by entrepreneurs and the need for continuous growth and reevaluation of financial plans to meet evolving needs and values.
In episode 2 of this 2 part series, Laura and Jeremiah are once again joined by Max Kayes, a licensed Marriage and Family Therapist and life coach, to discuss the relationship with money. Max explains Neuro-Linguistic Programming (NLP) and its role in personal development. He outlines the six basic human needs: certainty, variety, significance, love/connection, growth, and contribution, emphasizing their importance in financial planning. Laura and Jeremiah get Max to discuss how these needs align with values and how financial strategies should adapt to individual and couple dynamics. They highlight the unique challenges faced by entrepreneurs and the need for continuous growth and reevaluation of financial plans to meet evolving needs and values.
In this episode, Laura sits down with Graham Gardner to discuss the significance of podcasting for Registered Investment Advisors (RIAs) and other small businesses, specifically focusing on how it can enhance their marketing strategies. They explore the importance of establishing an expert voice, choosing the right format and platforms, and leveraging AI for content creation. The conversation also covers the benefits of organic growth versus paid advertising, and how podcasting can help build relationships with clients. Graham shares insights on maximizing content distribution and engagement, emphasizing the need for quality equipment and the potential of repurposing content across various platforms.
In episode 45 of Building Wealthy Habits, Laura Lee, Randy, and Jeremiah discuss the financial wisdom they've gained over the years, emphasizing the importance of hindsight in making better financial decisions. They share personal stories and lessons learned about budgeting, investing, and teaching children about money. The discussion highlights the significance of developing good financial habits, understanding the value of delayed gratification, and the necessity of having an emergency fund. They also touch on the importance of financial literacy and the need to be aware of spending habits, especially with the prevalence of subscriptions. Overall, the conversation serves as a guide for listeners to reflect on their financial practices and make informed decisions for a secure financial future.
In this episode of Building Wealthy Habits, we unwrapped a truly unique and heartwarming topic: holiday gifting with purpose. Our conversation focused on holiday gift ideas that go beyond the ordinary—offering thoughtfulness, financial literacy, and deeper family connections.From fun educational games to timeless financial books, we explored ways to inspire critical thinking about money in creative, approachable ways. We also highlighted subscriptions and gadgets that make learning about finances engaging and even entertaining. And for a touch of sentimentality, we discussed the power of living gifts, like plants, that symbolize growth, resilience, and the beauty of continuity within families.At the heart of this episode is a message of giving with intention—choosing gifts that spark meaningful conversations, create lasting memories, and enrich lives in ways that go well beyond the holidays.
In this episode of Building Wealthy Habits, we get real about the financial myths that trip up so many families. From the truth about "safe" investments like bonds to why chasing the latest trends could wreck your financial goals, we're breaking it all down.We talk about why starting early with investing is everything (hint: it’s not about getting rich quick), the delicate dance of risk and return, and how budgeting isn’t about restriction—it’s about freedom.More importantly, we dive into how financial planning isn’t just about numbers; it’s about people, families, and creating a future where you’re not stressed about money. Whether it’s helping your kids through college, saving for your dream retirement, or just making sure your finances reflect your values, having the right guidance makes all the difference.If you’ve ever wondered what it really takes to build wealth and enjoy the journey, this episode is for you. Don’t miss it—your future self will thank you.
In episode 49 of Building Wealthy Habits, Laura and Jeremiah Lee discuss the essential considerations for clients seeking a financial advisor. They explore the importance of understanding the advisor's services, fee structures, and the role they will play in the client's financial journey. The conversation emphasizes the significance of building trust, the value of credentials, and the need for alignment in investment philosophy and tax strategies. Ultimately, they encourage listeners to evaluate multiple advisors to find the best fit for their unique needs.
In Episode 46 of Building Wealth Habits, we tackled a topic that impacts us all: longevity. With life expectancy on the rise, we explored how living longer influences our health, finances, and even our social systems.From uncovering emerging health trends to dissecting the complexities of long-term care insurance, this episode packed actionable insights for anyone planning for the future. We also dove deep into the unique challenges faced by the sandwich generation—those caught between raising children and caring for aging parents—offering strategies to navigate this often-overwhelming responsibility.At its core, this conversation is about empowering you to design a healthy, fulfilling life as you age. Because building wealth isn’t just about money—it’s about creating a legacy of well-being for yourself and those you love.
This episode of Building Wealthy Habits explores the evolving landscape of retirement, focusing on the fears and concerns retirees face today, particularly regarding financial security and healthcare costs. The discussion highlights the impact of inflation on retirement savings and the importance of finding purpose in semi-retirement. Specifically, this conversation emphasizes the need for retirees to organize their finances and the evolution of retirement savings plans, particularly the shift from pensions to 401(k) plans. We also address the significance of consolidating retirement accounts and strategizing contributions to ensure a secure financial future.
In this episode of Building Wealthy Habits, we have the entire crew and dive into the key steps for achieving early retirement. We emphasize the importance of setting clear goals, understanding what financial independence truly means, and the crucial role of smart budgeting and investing. Also, we highlight the value of having an emergency fund and the need to remain flexible with financial plans. Wrapping up the conversation, we recommend consulting a financial advisor to help build confidence in decision-making and navigate the complexities of retirement planning.
Who is stoked for the Dodgers in the World Series? We are! In this episode, we discuss the excitement surrounding the World Series and peel back the financial aspects of baseball contracts, particularly focusing on Shohei Ohtani's historic $700 million contract with the Dodgers. We explore the implications of deferred payments, tax considerations, and compare Ohtani's contract to Bobby Bonilla's unique deal. The discussion also touches on how such contracts can influence future negotiations and the overall landscape of Major League Baseball.
In this episode of Building Wealthy Habits, Laura and Jeremiah tackle some of the worst money advice they've heard or received. From "live for today, not tomorrow" to "investing is too risky," they debunk these common financial myths and share practical wisdom to help listeners build healthy financial habits.
Laura and Jeremiah discuss the importance of developing a spending plan to achieve financial freedom. They emphasize aligning spending with personal values rather than societal expectations and the need for self-awareness and active listening in financial conversations. They review various budgeting methods, including the 50/30/20 rule and zero-based budgeting, and recommend apps like Monarch, YNAB, and Copilot for better financial tracking. The episode closes out with them highlighting the significance of having a vision for one's financial future and stressing the value of using tools to manage spending and reduce stress.
This week we are breaking things down to the basics of investing, including the differences between tax-deferred and taxable accounts, the importance of setting investment goals, and the power of strategies like dollar cost averaging. They also emphasize the value of diversification and maintaining emotional control when markets fluctuate. Whether you're a seasoned investor or just starting out, this episode provides a helpful guide to building smart investing habits for your financial future.
We kick this episode off on a lighthearted note, discussing the current challenges faced by the West Coast due to wildfires and heatwaves. The main topic of the conversation is why everyone is talking about CD rates and why people are chasing banks for the best rates. We discuss the impact of the Federal Reserve cutting interest rates and the volatility of the market during an election year, and explain the concept of three buckets for managing money: checking account, short-term cash, and long-term investments. We round it out by exploring different options for short-term investments, including CDs, short-term treasuries, and series I bonds and caution against falling for schemes that promise unusually high interest rates and emphasize the importance of doing due diligence when searching for the best CD rates.
This week we are talking about one of our favorite subjects – KIDS! Unfortunately, we are talking about the rising cost of parenthood and its impact on families. We explore the declining birth rate in the US and other countries, the increasing expenses of raising children, and the economic and emotional challenges faced by parents. The conversation also touches on the importance of family and the need for creative solutions to support parents and grandparents.
In this episode of Building Wealthy Habits, Laura and Jeremiah discuss the role of fractional CFOs in growing businesses. They explore the progression from handling finances in-house to hiring a tax preparer, bookkeeper, and controller. They highlight that eventually businesses reach a point where they need a strategic thinker and financial expert, which is where a fractional CFO comes in. They discuss the benefits of hiring a fractional CFO, such as cost savings and access to expertise, and provide resources for finding fractional CFO services.
This week we are joined by David and Caitlin Carnes as they share candid insights on marriage and money. As the heat levels rise, they reveal how they navigated the Hot Ones Challenge and the even hotter topic of finances as a couple. From spending habits to the importance of aligning values, they talk openly about how they manage money together, all while juggling the added challenge of parenting. This lighthearted yet meaningful conversation sheds light on how open communication and teamwork are key to finding financial harmony in any marriage.
In episode 34 of the Building Wealthy Habits Advisors, we are absolutely thrilled to have back two of our favorite guests, Simone Knepper and Brooke Miller to talk about the recent changes in the real estate industry regarding commissions and how they are negotiated. We talk about how the National Association of Realtors was involved in a lawsuit that resulted in greater transparency surrounding realtor commissions. Brooke and Simone shed light on the biggest change – that the buyer broker compensation field is no longer listed on the MLS, and commissions are now subject to negotiation. The conversation highlights the importance of having a trusted advisor who can navigate these changes and provide valuable guidance throughout the home buying or selling process. If you walk away with anything from this episode we hope it’s that there is real value in working with a professional agent who can offer expertise and protection in the transaction
In this episode of the Building Wealthy Habits podcast by TriCord Advisors, we dive deep into the crucial topic of long-term care. Join us as we explore the average costs, essential strategies for preparing, and the significant impact of health on long-term care expenses. We'll also discuss the evolving dynamics of caregiving, the importance of family conversations, and the challenges of funding care. Learn about the options available, including long-term care insurance and how to create a comprehensive estate and financial plan to secure your future. Don't miss this vital discussion for anyone looking to protect their wealth and well-being.
In episode 32 of Building Wealthy Habits, we discuss Roth IRAs and specifically, backdoor and mega backdoor Roth IRAs. We explore the difference between traditional and Roth IRAs, highlighting the tax benefits of each. We also discuss the income limits for contributing to a Roth IRA and how the backdoor Roth IRA strategy allows high-income earners to contribute to a Roth IRA, touching on the benefits of Roth IRAs for legacy planning and college savings. The conversation concludes with a mention of Peter Thiel's $5 billion Roth IRA and the importance of tax planning.
Join Laura Lee and Jeremiah Lee as they debunk common myths about estate planning. Tune in as they they tackle issues and misconceptions such as:00:00 Introduction and Discussion about Riverside Cookie Shop03:02 Debunking Common Myths About Estate Planning08:05 The Importance of Estate Planning While Still Alive12:01 The Value of a Trust, Even with Just a House18:59 Avoiding Family Conflicts Through Clear Estate Planning23:01 Leaving a Legacy: Including Charitable Organizations in Estate PlansLearn why planning ahead is crucial to ensure your assets are distributed according to your wishes and to avoid unnecessary legal complications. Don’t miss this valuable discussion on securing your legacy and peace of mind.
In this episode of "Building Wealthy Habits," Randy, Laura and Jeremiah take you through the experience of meeting with a financial advisor. They break down the entire process, from your first meeting to the creation of a personalized financial plan.You'll hear about the onboarding steps, starting with the initial appointment to gather essential information, followed by the clarifying appointment to refine your strategy. Our hosts stress the importance of trust and clear communication, laying the groundwork for a successful advisor-client relationship.Get insights into the implementation phase, where you'll learn how advisors help organize accounts and manage investments. The goal is to boost your confidence in your financial future and guide you toward achieving your goals.
In this episode, Laura and Jeremiah interview Marie Hair, the founder of To Dwell Here, a company that specializes in personalized hospitality and design for short-term rental properties. Marie shares her expertise in creating a balance between functional and beautiful spaces, catering to the needs of guests, and building a strong relationship with neighbors. She emphasizes the importance of focusing on the people over the property and creating memorable experiences for guests. Marie also discusses the future of To Dwell Here and provides insights for those interested in purchasing and managing short-term rental properties.
In episode 28 of Building Wealthy Habits, real estate experts Simone Nepper and Brooke Miller join us to discuss the process of finding and securing a short-term rental property. They emphasize the importance of determining whether the property will be purely an investment or if it will also be used for personal vacations. They highlight the need for properties to have unique features that make them stand out in a saturated market. Brooke and Simone also discuss the impact of COVID-19 on the short-term rental market and the importance of understanding local regulations and restrictions. Listen in as they share their insights on the characteristics of a good short-term rental property and potential pitfalls to avoid.
Welcome to episode 27 of Building Wealthy Habits! With this episode we kick off a three part series focused around short-term rentals. Tune in and see how watching HGTV with our family sparked a conversation about property ownership and care. We discuss the financial and legal considerations of owning a short-term rental property, and highlight the importance of location, interest rates, occupancy rates, and personal liability. We also touch on the legal structuring of owning a short-term rental property and the potential benefits of utilizing LLCs. This episode concludes with an emphasis on the need for a holistic approach to financial planning and the importance of working with professionals who can provide guidance in all aspects of real estate investment.
In episode 26 of Building Wealthy Habits, we discuss the importance of cybersecurity and share tips and best practices to protect oneself and family from fraud and data breaches. We cover topics such as password management, two-factor authentication, credit monitoring, and the use of virtual private networks (VPNs) when using public Wi-Fi. If you take anything away from this episode, we hope it’s the understanding that you should stay informed and educated about cybersecurity threats and to seek help from resources such as family members or technology professionals when appropriate.
This episode explores the sentiment of political extremism in the US and its impact on the economy and corporate America. We discuss how the divisive issues that fuel political extremism, such as abortion, immigration, inflation, healthcare, and international power impact discourse in our country. We also examine the role of social media in reinforcing biases and creating echo chambers. This conversation highlights the importance of companies taking a stance on political and social issues, but also the need for adaptability and economic viability. Our goal with this episode is to emphasize the unity of being Americans and the strength of the US economy.
In episode 24 of Building Wealthy Habits, we discuss the topic of innovation, specifically focusing on the impact of artificial intelligence (AI) on personal finance. We weigh potential benefits and concerns surrounding AI in various industries and highlight the importance of trust and the human factor in financial planning, emphasizing the need for a personalized approach that takes into account the dynamic nature of individuals' lives.
In part two of our Executive Coaching Series, we are joined again by our favorite executive coach, Joseph King Barkley! This episode explores how executive coaching principles align with financial planning to help clients build a better future. Listen as Joseph drops some amazing nuggets on us around vision setting techniques, overcoming barriers, and building trust over time. The crew shares personal stories of mindset shifts and the benefits of coaching support. Learn how to get started articulating your desired retirement lifestyle and find resources for those interested in executive coaching.
In part one of this two part series, we are joined by our favorite executive coach, Joseph King Barkley to discuss the impact of coaching on personal growth and leadership. We explore different coaching formats and how vision, mindset and strategy are central to the process. Learn about coaching's benefits through personal testimonials and aha moments. Joseph outlines resources for those interested in coaching. The episode concludes by highlighting how financial planning complements executive coaching in achieving life goals and vision.
This episode of Building Wealthy Habits focuses on the importance of trust in business and personal relationships. We dig into the topics of wills, trusts, and estate planning, highlighting the need to avoid probate and the benefits of having a will or trust. The conversation also emphasizes the significance of powers of attorney for financial and healthcare matters. We cover various aspects of estate planning, including power of attorney, durable power of attorney, trusts, and common misconceptions. We bounce back and forth the importance of honoring power of attorney documents and the difference between durable and non-durable power of attorney. We explain the different types of trusts, such as revocable and irrevocable trusts, and the benefits of using trusts for probate avoidance.
Laura, Randy, and Jeremiah Lee discuss tax planning strategies, emphasizing the importance of understanding tax laws and utilizing tax loss harvesting. You won’t want to miss Randy and Jeremiah facing off in the “Tax Dash” game. Laura highlighted the emotional state of clients when preparing taxes, while Randy stressed the need for constant awareness of changing tax laws. Jeremiah emphasized a long-term, multi-year approach to tax planning, and Laura shared her experiences working with local CPAs. Later, Laura and Randy discussed the relationship between tax rates and productivity, with Randy provided historical context on the highest tax bracket in US history and Laura questioning the impact of low tax brackets on economic growth.
In episode 19 of Building Wealthy Habits we are joined by Jason Thomas, Ph.D., CFA from Capital Markets Research & Strategy where they discuss the intersection of technology and investing, highlighting trends such as increased accessibility and automated investing platforms. Jason challenges common investing misconceptions, arguing that sophisticated tools like short selling and options trading can be used professionally to manage risk and increase purchasing power. The conversation emphasizes the benefits of direct indexing, including tax advantages and customization, and encourages investors to consider these tools for their portfolios.
In episode 18 of Building Wealthy Habits, Randy Barkley, Laura Lee, and Jeremiah Lee discuss the complexities of inflation and its effects on personal finances and the economy. They explore how inflation has evolved over time, its historical context, and its current impact on spending habits and investment decisions. They emphasize the importance of understanding inflation's impact on people's spending habits and the economy's overall stability to make informed decisions. The team also discusses the economic crisis of the 1970s, the current state of the housing market and inflation, and the crucial aspect of preparing for inflation's impact on retirement.
In this episode Randy, Jeremiah and Laura discuss the history and evolution of financial planning, from the Great Depression to the present day. They explore how the industry has changed over time, including the emergence of certified financial planners (CFPs) and the impact of technology. Randy, Jeremiah and Laura provide historical context of financial planning and insights into the future of financial advice. They emphasize the importance of understanding financial designations and fiduciary roles, and stress the need to balance technology with client education and empowerment to ensure financial independence and security.
In this episode Randy, Jeremiah and Laura come together to discuss articles they have found in the media, ranging from topics about cash reserves potentially entering the stock market, investing in stocks that have seen high returns but may be overvalued, and the importance of diversification and valuation metrics. They warn about fake investment tips using celebrities' names and pump and dump schemes that aim to lure unsuspecting investors with promises of outsized returns. Throughout, they emphasize doing research, thinking long-term, and being wary of opportunities that sound too good to be true.
This episode of Building Wealthy Habits provides insights into the unique challenges faced by women business owners and professionals. Laura, Randy and Jeremiah discuss common struggles and offer holistic planning strategies for empowered women in the workplace. Listeners learn how to create a safe space for questions and build trust. Tips are shared for empowering female clients through personalized advice and structures. Practical takeaways offer ways to better serve the needs of women in business through financial guidance.
In this episode the team sits down to discuss financial planning strategies for attorneys. Jeremiah shares insights from his experience working at a large law firm and highlights common characteristics of attorneys and considerations for their debt, families, and careers. Overall this episode emphasizes the importance of risk management, estate planning, and having a trusted financial advisor in your corner. This podcast provides valuable guidance for attorneys and their spouses on achieving their financial goals.
This episode of the Building Wealthy Habits podcast focuses on providing financial planning advice tailored for engineers. Laura and Jeremiah discuss the unique challenges of working with engineer clients and how to communicate financial concepts in a way that resonates with their analytical minds. They explore common traits of engineers and how to shift their investing mindset. The hosts also highlight useful features of financial planning software like E-Money and Orion that engineers appreciate. For anyone married to an engineer, they offer tips on including both spouses and having an ally to assist with retirement planning.
In this week's show, Randy and the team look at financial planning for physicians and it can change how you need to plan for your future finances.Enjoy!
In this week's show, Randy and the team look at financial planning for physicians and it can change how you need to plan for your future finances.Enjoy!
In this episode of Retirement Unlimited, Randy and the team look into the different business structures such as sole proprietorships, LLCs, S-Corps, and other common business structures and what might work best for one's needs.Enjoy!
Welcome back to the “Building Wealthy Habits” video podcast by TriCord Advisors. I’m Laura Lee and joining me today is Randy Barkley and Jeremiah Lee. Today, we are talking about Social Security for retirees. We’re going to cover the top 12 things you need to consider when thinking about Social Security and how it impacts your situation. At the end, we’ll share some helpful resources as well.Enjoy!
In this episode of Retirement Unlimited, Randy and the group look at the financial specifics of charity and giving.Enjoy!
Welcome back to the “Building Wealthy Habits” video podcast and radio program by TriCord Advisors. I’m Jeremiah Lee and joining me today is Laura Lee. Today, we are talking about the business life cycle. This is the progression of a new business over 5 stages.
In this episode of Retirement Unlimited, Randy and the team takes a look at Legal Considerations for Widows & Survivors. We’re going to talk about some common used terms and some broad legal concepts. This information might benefit you or someone you know.Enjoy!
In this episode of Retirement Unlimited, Randy and the team takes a deep look into RMDs and how they affect your finances.Enjoy!
In this episode of Retirement Unlimited, Randy looks at financial options after the loss of a spouse. In one of the hardest times of life, there are decisions that can make life easier to manage during hard times.Enjoy!
In this episode of Retirement Unlimited, Randy takes a look at the Barron's article "401(k)s Replaced Pensions. Retirement Savings Are Still Coming Up Short" and what is going on in the world with planning for retirement.
In this episode of Retirement Unlimited, Randy looks at succession planning in this first part of a two part series.
In this episode of Retirement Unlimited, Randy takes a look at things that you need to know about Social Security.Enjoy!
In this episode of Retirement Unlimited, Randy dives into part 2 of succession planning.Enjoy!
In this episode of Retirement Unlimited, Randy takes a look at the Barron's article "401(k)s Replaced Pensions. Retirement Savings Are Still Coming Up Short" and what is going on in the world with planning for retirement.
In this episode of Retirement Unlimited, Randy looks at succession planning in this first part of a two part series.
In this episode of Retirement Unlimited, Randy looks at what todo with Market Fluctuation?.Enjoy!
In this episode of Retirement Unlimited, Randy looks at the article from Investment News “Draining the Pool of Confusion Surrounding Long-Term Care Insurance".Enjoy!
In this episode of Retirement Unlimited, Randy looks at the future of annuities with articles such as “The 100 Best Annuities for You“ and “A Retirement Tax Break That Ends the Fear of Outliving Your 401(k)”.Enjoy!
In this episode of Retirement Unlimited, Randy discusses whether or not you need to use a Roth 401k with articles from the Wall Street Journal such as “Roth 401k Gives Older Plans a Run for the Money“ and “Secure 2.0 Roth Catch-Up”.Enjoy!
In this episode of Retirement Unlimited, Randy looks at how to build confidence for a surviving spouse. Enjoy!
"They Say..." But who is They? In this episode of Retirement Unlimited, Randy looks at the credentials of who is giving out advice in articles such as “Nearly 80% Of Young Adults Get Financial Advice From This Surprising Place“ and “Americans are changing who they turn to for financial advice”. Enjoy!
In this episode of Retirement Unlimited, Randy looks at different financial traps that people can encounter when sending their kids to college with articles from the Wall Street Journal such as “ 7 Money Traps College Students Should Avoid“ and “Avoid These Financial Missteps When Sending Children Off to College”. Enjoy!
In this episode of Retirement Unlimited, Randy looks at buying a new car with articles from the Wall Street Journal such as “5 Ways That Buying a Car Has Drastically Changed “ and “The Boring Route to Exciting Stock Returns Is Set for a Comeback”. Enjoy!
In this episode of Retirement Unlimited, Randy takes a look at how to evaluate how your financial advisor is doing with articles from the Wall Street Journal such as “How to Evaluate Your Financial Advisor“ and “How To Assess Your Financial Advisor's Performance”. Enjoy!
In this episode of Retirement Unlimited, Randy speaks about new scams and cybersecurity and what we can do about it with Wall Street Journal articles such as “Aura Sells Cybersecurity to Regular People“ and “ Why We Get Scammed and What to Do About It”. Enjoy!
In this episode of Retirement Unlimited, Randy looks at how how wealth adds value to your life with articles such as “The Motivation to Acumulate Money“ and “DEEP DIVE, Baby Boomers Retiring”. Enjoy!
In this episode of Retirement Unlimited, Randy looks at Alternative Investments options with articles on speculation such as "Don't Speculate on Speculation" and "All Eyes on Alts". Enjoy!
In this episode of Retirement Unlimited, Randy looks at coming trends and follow them into the future with articles such as "It’s Not Just AI. 5 Trends That Will Change How You Invest" and "No Two Thematic Funds Are Quite the Same. How to Find the Right One for You" from Barron's. Enjoy!
In this episode of Retirement Unlimited, Randy explores the differences between IRAs and 401(k)s and why in some circumstances, it is beneficial to have both in articles such as ”Why It Pays to Have an IRA and 401(k)" and "Retirement Withdrawal Strategies". Enjoy!
In this episode of Retirement Unlimited, Randy discusses the evolving role of AI in the coming years with a variety of articles from the Wall Street Journal such as "The 25 Questions You Need to Ask Yourself Now That ChatGPT Is Here" and "How AI Will Change the Workplace" Enjoy!
In this episode of Retirement Unlimited, Randy looks at the challenge of saving for retirement and discusses articles such as “When Will I retire? How about Never" from the Wall Street Journal and "A Retirement Nest Egg Isn't Enough” from Barron's. Enjoy!
In this episode of Retirement Unlimited, Randy discusses the changes that are happening to lifestyles during retirement and senior living.Enjoy!
In this episode of Retirement Unlimited, Randy takes a closer look at the stock market with an article from the Wall Street Journal “Why You Keep Chasing the Wrong Stock Market“ and Barron's Article “The 5 Stocks That Rule This Market—and Make Investors Nervous”.Enjoy!
In this episode of Retirement Unlimited, Randy looks at how Healthcare can affect your finances. After that, Randy then looks at "Want to Beat the Stock Market: Avoid the Cost of ‘Being Human".Enjoy!
In this episode of Retirement Unlimited, Randy looks at how to avoid financial disaster.Enjoy!
In this episode of Retirement Unlimited, Randy looks at saving for retirement later in life.Enjoy!
In this episode of Retirement Unlimited, Randy looks into the changes in the US Dollar with articles such as “The Dollar Rules the Financial Universe. China Can’t Change That“ and “King Dollar Still Safe From the Yuan”. Randy then looks at how this will affect the US ecomony with articles such as "It's Worse Than You Think" and "A Daunting Arsenal"Enjoy!
In this episode of Retirement Unlimited, Randy takes a look the book "The Psychology of Money" by Morgan Housel. Randy discusses such concepts as lack vs risk, and reasonable vs. rational.Enjoy!
In this episode of Retirement Unlimited, Randy looks at what happened to your property including digital properties after death in “What Happens to Your Digital Properties When You Die“ and “Wills".Enjoy!
In this episode of Retirement Unlimited, Randy takes a deep look at retirement with the article “Small Steps That Can Boost Your Retirement Savings“.Enjoy!
In this episode of Retirement Unlimited, Randy tackles the dreaded subject of taxes for the year of 2023 with articles from the Wall Street Journal such as “Married Filing Separately- The Tax Play That Saves Some Couples Big Bucks“ and “Tax Guide 2023”.Enjoy!
In this episode of Retirement Unlimited, Randy looks at different kinds of financial advisors and how to pick who is best for you to work with for your finances. Randy takes a look at articles including “Nonsolicitation agreements, address that issue of who 'owns' the client” and “Broker vs. Wealth Manager”.Enjoy!
In this episode of Retirement Unlimited, Randy looks at the bank bailouts happening in Silicon Valley in articles such as “Regulators Face Urgent Task to Stem Spread From Silicon Valley Bank” and “Biden’s Bank Bailout Whoppers”.Enjoy!
In this episode of Retirement Unlimited, Randy looks at the coming economic crossroads with "Marketing Brief" by Dr. Edward Yardeni.Enjoy!
Once in, copy the information of the episode – For example:In this episode of Retirement Unlimited, Randy estate planning with articles such as “6 Estate Planning Tips for 2023” and “The Biggest Mistakes People Make With Their Wills”.Enjoy!
In this episode of Retirement Unlimited, Randy looks into making retirement your money last with articles such as "You Might Live Longer Than You Think. Your Finances Might Not.” and “Rethinking Retirement Savings in Light of Longer Life Spans”.Enjoy!
In this episode of Retirement Unlimited, Randy explores retirement with articles RMD Quirks that IRA Beneficiaries Face in ‘23” and “What is New for Social Security and Medicare this Year”.Enjoy!
In this episode of Retirement Unlimited, Randy covers and economic update and dives into the articles “Savers Will Benefit From A Return to Sound Money” and "Could a Recession Start Next Month" in this episode.Enjoy!
In this episode of Retirement Unlimited, Randy dives into the article “Secure 2.0” about 401k plans in the episode. Enjoy!
In this episode of Retirement Unlimited focusing on cyber security, Randy dives into the articles “How to Recognize Phishing Emails Cybersecurity Experts Give Advice” and "Eight Questions to Ask Your Aging Parents (and Yourself)to Keep Their Phones Safe From Hackers"Enjoy!
In this episode of Retirement Unlimited, Randy dives into a series of articles about Retirement such as “How to Keep Your Retirement On Track in an Unpredictable Market” and "How to Maximize Your Wealth Over the Next Decade". Randy then discusses expanding portfolios with articles such as "How to Build a Bond Ladder for Income" and "How to Diversify Your Portfolio With Alternative Investments".Enjoy!
In the first episode of 2023 of Retirement Unlimited, Randy dives into the articles “Why High Net Worth Investors Are Paying More Attention to Annuities” and "The Best Annuities fort Income and Growth" in order to take a closer look at how annuities can be utilized.Enjoy!
In this episode of Retirement Unlimited, Randy takes everyone through the Wall Street Journal's 2022 Year in Review. In these 20+ articles that include an overview of what has happened through 2022 in the financial and housing markets and the political landscape. Randy then takes us on a look ahead for the year of 2023.Enjoy!
In this episode of Retirement Unlimited, Randy talks about giving in articles such as “How to Give This Giving Season” and "Don't Give Up on Charities". Randy then moves onto talking about Donor Funds in "The Conundrum of Donor-Advised Funds" and "Donor-Advised Funds - Questions to Ask Yourself Amid a Turbulent Stock Market".Enjoy!
In this episode of Retirement Unlimited, Randy dives into "The Best Places to Get Income in the Bond Market Now" and "Bonds Are Primed for a Better 2023, but How Much Better" in the Retirement Update. Enjoy!
In this episode of Retirement Unlimited, Randy dives into the article “How To Be Smart About RMDs”. Enjoy!
In this episode of Retirement Unlimited, Randy dives into articles such as “‘Plymouth Colony’ Review - This Must Be the Place, “And the Fair Land” and “The Desolate Wilderness” in the Thanksgiving Episode. Enjoy!
In this episode of Retirement Unlimited, Randy discusses the election results and dives into articles such as “What to Expect in the 2022 Midterms”, “Midterms Bring Republicans to a Fork in the Road” and “Why Independent Voters Broke for Democrats in the Midterms” in the Retirement Update. Enjoy!
In this episode of Retirement Unlimited, Randy dives into “Serial Spouse has Options for Claiming Social Security” and “How Divorce Complicates Social Security” in the Retirement Update. Next, Randy reviews “Arguments for Raising Social Security’s Retirement Age in Tactical Asset Management. Lastly, Randy delves into “As Population Nears 8 Billion, Some See Peak” in News You Can Use. Enjoy!
In this episode of Retirement Unlimited, Randy dives into “Where Are Markets Headed: Six Pros Take Their Best Guess” in the Retirement Update. Next, Randy reviews “Cash-Rich Consumers Could Mean Higher Interest Rates for Longer” and “The Fed’s Surprising Record With ‘Soft Landings’ From Inflation” in Tactical Asset Management. Lastly, Randy delves into “What to Do When You Know What Stocks Will Do Next” in News You Can Use. Enjoy!
In this episode of Retirement Unlimited, Randy dives into “Remote Work Ensnaring Many Employees In Double-Taxation Scenario” in the Retirement Update. Next, Randy reviews “IRS to Make Largest Increase Ever to 401(k) Contribution Limit” and “How to Reap Tax Breaks from Your HSA Has” in Tactical Asset Management. Lastly, Randy delves into “Tax Secrets of Health Savings Accounts” in News You Can Use. Enjoy!
In this episode of Retirement Unlimited, Randy dives into “A Review of California Voting Propositions” in News You Can Use. Enjoy!
In this episode of Retirement Unlimited, Randy dives into “Here Comes the Future of Transportation”. Enjoy!
In this episode of Retirement Unlimited, Randy dives into “What It Takes to Buy Your First Home Now” and “Is the Housing Market Going to Crash? With Rising Mortgage Rates and Sky-high Home Prices, First-Time Buyers Are Being Locked Out” and “As Mortgage Rates Top 6%, More Borrowers Choose Adjustable-Rate Loans” in the Retirement Update. Next, Randy reviews “Apple’s Fall 2022 Event Products” in Tactical Asset Management. Enjoy!
In this episode of Retirement Unlimited, Randy dives into “How Much More Will You Spend in Retirement Than Expected? My Rule is $400 a Month” in the Retirement Update. Next, Randy reviews “Do Solar Panels Increase a Home’s Value” in Tactical Asset Management. Enjoy!
In this episode of Retirement Unlimited, Randy dives into “Social Security Online Tools Trump Human Guidance” in the Retirement Update. Next, Randy reviews “Heads Spin Over Inherited IRA” and “The RMD Task: How to Handle Your Required Withdrawals” in Tactical Asset Management. Enjoy!
In this episode of Retirement Unlimited, Randy dives into “Here’s What a $2 Million Retirement Looks Like in America” and “Is Now a Bad Time to Retire?” in the Retirement Update. Next, Randy reviews “Recession Is Already Here for Many Small Businesses?” and “Workers Don’t Feel Quite as Powerful as They Used To” in Tactical Asset Management. Enjoy!
In this episode of Retirement Unlimited, Randy dives into “Can Central Banks Maintain Their Autonomy?” and “Wall Street Bets the Fed Is Bluffing in High-Stakes Inflation Game” in the Retirement Update. Next, Randy reviews “Fed Chief Talks Tough on Inflation. There’s More Pain Ahead for the Stock Market” and “What if the Drivers of Inflation Are Here to Stay?” in Tactical Asset Management. Lastly, Randy delves into “Fed’s Bullard Leans Toward Favoring 0.75-Percentage-Point September Rate Rise” in News You Can Use. Enjoy!
In this episode of Retirement Unlimited, Randy dives into “Planning for Trouble” and “Foreclosures Up 116% In The First 6 Months”. in the Retirement Update. Next, Randy reviews “How To Pick and Advisor” and “A Family Shop That Focuses on Long Term Success” in Tactical Asset Management. Lastly, Randy delves into “Selling a Business Built From Scratch Isn’t Easy. These advisors Know How to Help” in News You Can Use. Enjoy!
In this episode of Retirement Unlimited, Randy dives into “America’s New Energy Crisis”. in the Retirement Update. Next, Randy reviews “What’s The True Cost of Inflation? It’s Complicated.” and “Dow Closes Up More Than 650 Points on Retail Spending Data” in Tactical Asset Management. Lastly, Randy delves into “How Previous generations Handled Inflation” and Is Nuclear Power Part Of The Climate Solution?” in News You Can Use. Enjoy!
In this episode of Retirement Unlimited, Randy dives into “Are Stocks Undervalued Yet?” in the Retirement Update. Next, Randy reviews “Economy Could Face Two Recessions, Not A Single Deep One” and “Contrarian Indeed: Two Seers See Lower Rates, Bond Boom” in Tactical Asset Management. Enjoy!
In this episode of Retirement Unlimited, Randy dives into “Active Funds Are On Top Again. Can It Last?” in the Retirement Update. Next, Randy reviews “Why This is Not the 70s” and “Stocks Break Their Losing Streak. Is the Bear Really a Bull?” in Tactical Asset Management. Enjoy!
In this episode of Retirement Unlimited, Randy dives into “Silver Lining in the Market's Fall” in the Retirement Update. Next, Randy reviews “2022 Is a year for Disciplined Investments” in Tactical Asset Management. Enjoy!
In this episode of Retirement Unlimited, Randy dives into “How to Deal with a Bear Market in Retirement” in the Retirement Update. Next, Randy reviews “Good Idea or Bad Idea: Lock Down your Credit” in Tactical Asset Management. Enjoy!
In this episode of Retirement Unlimited, Randy dives into “How Long Does a Bear Market Last?" Enjoy!
In this episode of Retirement Unlimited, Randy and Jeremiah dive into "How to Use Your 401K in a Down Market”. Next, they discuss "My Friend Says I Should Max Out My Retirement Contribution - Good Idea or Bad Idea". Enjoy!
In this episode of Retirement Unlimited, Randy and Jeremiah dive into reviewing market forecasts from January 2022 and they discuss whether mortgaging your house to invest is a good idea. Enjoy!
In this episode of Retirement Unlimited, Randy dives into “Cut Your Retirement Spending Now, Says Creator of the 4% Rule” in the Retirement Update. Next, Randy reviews “The Bear Market” and “The Stock Market’s Future Ain’t What It Used to Be” in Tactical Asset Management. Enjoy!
In this episode of Retirement Unlimited, Randy dives into “Do ESG Funds Live Up to their Popularity” in the Retirement Update. Next, Randy reviews “How to Survive Inflation” in Tactical Asset Management. Enjoy!
In this episode of Retirement Unlimited, Randy dives into “Stock Market Is Top-Heavy, but Carnage Is Widespread” and “When Will Selling Stop” in the Retirement Update. Next, Randy reviews “An Earnings Recession Looms” and “Wallstreet Assumes Recession Footing” in Tactical Asset Management. Enjoy!
In this episode of Retirement Unlimited, Randy dives into “Pain in Finance” in the Retirement Update. Next, Randy reviews “Inflation and Earnings Squeeze” and “Market Swings Boosts Dividend Stocks” in Tactical Asset Management. Enjoy!
In this episode of Retirement Unlimited, Randy and Jeremiah dive into “Leaving Retirement Benefits in Trust for Minor Children”. Next, they discuss “Inflation Deflates Asset Prices” Enjoy!
In this episode of Retirement Unlimited, Randy dives into “Is Your Advisor Really Independent?” in the Retirement Update. Next, Randy reviews “The Upside to the Market's Beatdown” and “Why It's Hard to Reduce Volatility in a Portfolio” in Tactical Asset Management. Enjoy!
In this episode of Retirement Unlimited, Randy dives into “Bubble Watch - Are Southern California's Prices Too High?” in the Retirement Update. Next, Randy reviews “Home Buyers are Finding Ways to Take the Sting out of the Rising Mortgage Rates” in Tactical Asset Management. Lastly, Randy delves into "It’s Still a Home Seller’s Market" in News You Can Use. Enjoy!
In this episode of Retirement Unlimited, Randy dives into “Post Pandemic Migration and Job Gains” in the Retirement Update. Next, Randy reviews “Slower Pace but Still Moving Forward” and “The Big Money Poll” in Tactical Asset Management. Enjoy!
In this episode of Retirement Unlimited, Randy dives into "People Who Hate Retirement- and What The Rest of Us Can Learn from Them" in the Retirement Update. Next, Randy reviews Be "Five Questions Every Retiree Should Ask Now About Planning Their Finances" in Tactical Asset Management. Lastly, Randy delves into "Should Your IRA Include Real-Estate Investments" in News You Can Use. Enjoy!
In this episode of Retirement Unlimited, Randy dives into The Impacts of Inflation in the Retirement Update. Next, Randy reviews the US Dollar's Currency Status in Tactical Asset Management. Lastly, Randy delves into Leasing a Car to Avoid High Prices in News You Can Use. Enjoy!
In this episode of Retirement Unlimited, Randy dives into "The Secure Act - Challenges to Non-Spouse Beneficiaries" in the Retirement Update. Next, Randy reviews "Investing in Times of Uncertainty" in Tactical Asset Management. Lastly, Randy delves into "Trade in Your Old Phone for Cash" in News You Can Use. Enjoy!
In this episode of Retirement Unlimited, Randy dives into "The Big Squeeze - The Sandwich Generation" in the Retirement Update. Next, Randy reviews "The Great Resignation Begins to Reverse Course" in Tactical Asset Management. Lastly, Randy delves into "Stopping A Pandemic Deadlier than Covid" in News You Can Use.
In this episode of Retirement Unlimited, Randy dives into Retiring in Phases in the Retirement Update. Next, Randy reviews Do Bucket Investments Strategies Make Sense in Tactical Asset Management. Lastly, Randy delves into How the West Can Win A Global Power Struggle in News You Can Use.
In this episode of Retirement Unlimited, Randy dives into What Could Trigger a Tax Audit in the Retirement Update. Next, Randy reviews Inflation and Stagnation in Tactical Asset Management. Lastly, Randy delves into How to Safely Tap Home Equity During an Emergency in News You Can Use.
In this episode of Retirement Unlimited, Randy dives into What Should You Know About Target-Date Funds in the Retirement Update. Next, Randy reviews Be Putin & War in Tactical Asset Management. Lastly, Randy delves into Too Risky to Wed in Your 20s? in News You Can Use.
In this episode of Retirement Unlimited, Randy dives into Reassessing Medicare Markups in the Retirement Update. Next, Randy reviews Guard Your Nest Egg in Tactical Asset Management. Lastly, Randy delves into Hungry for Sunshine: Vitamin D Deficiency in News You Can Use.
In this episode of Retirement Unlimited, Randy dives into The Tax Advantages of Series I Savings Bonds in the Retirement Update. Next, Randy reviews Be Treasury Inflation-Protected Securities in Tactical Asset Management. Lastly, Randy delves into How to Lower Alzheimer's Risk in News You Can Use.
In this episode of Retirement Unlimited, Randy dives into How Do I Calculate Future Returns? in the Retirement Update. Next, Randy reviews Be How Long Will Interest Rates Go? in Tactical Asset Management. Lastly, Randy delves into California's Free-Market Housing Fix in News You Can Use.
In this episode of Retirement Unlimited, Randy dives into Mistakes People make With IRA Rollovers in the Retirement Update. Next, Randy reviews Be Calm in the Market Storm in Tactical Asset Management. Lastly, Randy delves into What to Know About Consumer Credit Reports in News You Can Use.
In this episode of Retirement Unlimited, Randy dives into How Inflation Affects Social Security in the Retirement Update. Next, Randy reviews How Bull Markets Usually End in Tactical Asset Management. Lastly, Randy delves into The Secret to Affordable Electric Cars in News You Can Use.
In this episode of Retirement Unlimited, Randy dives into How Much Debt Should Students and Parents Take On? in the Retirement Update. Next, Randy reviews Wildfire Threat Rises in Tactical Asset Management. Lastly, Randy delves into Investors Lose Appetite for Unprofitable Companies in News You Can Use. Enjoy!
In this episode of Retirement Unlimited, Randy dives into Social Security Expectations in the Retirement Update. Next, Randy reviews Lower Interest Rates, Longer Productivity in Tactical Asset Management. Lastly, Randy delves into Electrification of Everything in News You Can Use.
In this episode of Retirement Unlimited, Randy and Jeremiah discuss Taxes After the Death of a Spouse; the 4% Retirement Rule is in Doubt, and the Future of Health.
In this episode of Retirement Unlimited, Randy dives into Tech That Will Change Your Life in the Retirement Update. Next, Randy reviews Facing Down Your Money Fears in Tactical Asset Management. Lastly, Randy delves into Money Tasks to Take Off Your To-Do List in News You Can Use. Enjoy!
In this episode of Retirement Unlimited, Randy and Jeremiah give a look back over the last year of 2021 and a look forward into what the future may hold in 2022 and beyond.
In this episode of Retirement Unlimited, Randy dives into The Big Holiday Scams - And How to Avoid Them in the Retirement Update. Next, Randy reviews Headwinds for the Stocks in 2022 in Tactical Asset Management. Lastly, Randy delves into What to Know About Cryptocurrencies in News You Can Use.
In this episode of Retirement Unlimited, Randy dives into The Great Migration-Is it Your Forever Home? in the Retirement Update. Next, Randy reviews Today's Shortages Could Soon Become Tomorrow's Gluts in Tactical Asset Management. Lastly, Randy delves into The Long History of Vaccine Mandates in America in News You Can Use.
Enjoy!
In this episode of Retirement Unlimited, Randy and Jeremiah dive into rethinking the 4% rule in the Retirement Update. Next, they discuss how wage increases may impact inflation in Tactical Asset Management. Lastly, they consider how Californians are migrating from the coast to the Inland Empire into the in News You Can Use.
In this episode of Retirement Unlimited, Randy and Jeremiah dive into end of year tax strategies in the Retirement Update. Next, they discuss investing in bonds in the midst of continued Fed tapering in Tactical Asset Management. Lastly, they consider the daring escape of the women’s soccer team from Afghanistan in News You Can Use.
In this episode of Retirement Unlimited, Randy dives into Out of Work and Looking For Income: Can Annuities Help? in the Retirement Update. Next, Randy reviews What's the Ideal Asset Mix in Retirement? in Tactical Asset Management. Lastly, Randy delves into The Biggest Mistakes Home Buyers and Sellers Make in News You Can Use.
In this episode of Retirement Unlimited, Randy sits down with special guest Steven Park to discuss all things Medicare. Steven is the president of Ark Insurance Services in Riverside, CA and has helped his clients navigate Medicare and employee benefits for over thirty years.
In this episode of Retirement Unlimited, Randy dives into Get a Job in Retirement in the Retirement Update. Next, Randy reviews Pay and Prices Rise But No Spiral Yet and Charles Schwab Strategists Put Global Inflation into Perspective in Tactical Asset Management. Lastly, Randy delves into Housing Booms & Busts and the Building of the American Dream in News You Can Use.
In this episode of Retirement Unlimited, Randy dives into The Retirement Rush in the Retirement Update. Next, Randy reviews Roth Conversions May Not Pay Off Until Age 90 For Many in Tactical Asset Management. Lastly, Randy delves into Five Questions to Ask if You Are the Executor of an Estate in News You Can Use.
Enjoy!
In this episode of Retirement Unlimited, Randy dives into Special-Needs Planning is About More than ABLE Accounts & Trusts in the Retirement Update. Next, Randy reviews Investors Pin Hopes on Productivity and America's Spending Wave is Yet to Hit in Tactical Asset Management. Lastly, Randy delves into How to Take Care of Your Liver in News You Can Use.
In this episode of Retirement Unlimited, Randy dives into The Flexibility of Donor-Advised Funds in the Retirement Update. Next, Randy reviews Inflation: Fighting Trim in Tactical Asset Management. Lastly, Randy delves into Paying For the New Roof Over Your Head in News You Can Use.
In this episode of Retirement Unlimited, Randy dives into The Nutty Math Behind an 8% Yield in the Retirement Update. Next, Randy reviews Bring On the Vim-O-Meter in Tactical Asset Management. Lastly, Randy delves into Prospects and Pitfalls of ADUs in News You Can Use.
In this episode of Retirement Unlimited, Randy dives into How to Break Out of Investing Inertia in the Retirement Update. Next, Randy reviews Gold & Inflation: What 50 Years Tells Us in Tactical Asset Management. Lastly, Randy delves into Card Scammers Take Advantage of Crisis in News You Can Use.
In this episode of Retirement Unlimited, Randy dives into 10 Stocks to Build an Income Stream for the Long Haul in the Retirement Update. Next, Randy reviews Alts May Provide the Lift 60-40 Portfolios Need in Tactical Asset Management. Lastly, Randy delves into 15 Personal Finance Lessons We Can Learn from a Pandemic Year in News You Can Use. Enjoy!
In this episode of Retirement Unlimited, Randy dives into New Annuity Products for Today's Market in the Retirement Update. Next, Randy reviews A Case for A Bull Market in Tactical Asset Management. Lastly, Randy delves into Inside Tik-Tok's Algorithm: A WSJ Investigation in News You Can Use.
Enjoy!
In this episode of Retirement Unlimited, Randy dives into Estate Planning Checklist in the Retirement Update. Next, Randy reviews China is Promising, in Tactical Asset Management. Lastly, Randy delves into 'Precision Nutrition' Is on the Rise in News You Can Use.
Enjoy!
In this episode of Retirement Unlimited, Randy dives into 529 Education Savings Accounts in the Retirement Update. Next, Randy reviews Is Traditional Annual Rebalancing Good? in Tactical Asset Management. Lastly, Randy delves into Turning your Garage into Money in News You Can Use.
Enjoy!
In this episode of Retirement Unlimited, Randy dives into Retirement Opportunity Window in the Retirement Update. Next, Randy reviews What the Fall of Afghanistan Means for Markets in Tactical Asset Management. Lastly, Randy delves into The Six Concepts You Should Know to be Financially Literate in News You Can Use.
Enjoy!
In this episode of Retirement Unlimited, Randy dives into How to Plan and Pay for Long-Term Care in the Retirement Update. Next, Randy reviews How to Spot a Bubble: A Field Guide in Tactical Asset Management. Lastly, Randy delves into Life Settlements Seen Increasing as the Population Ages in News You Can Use.
Enjoy!
In this episode of Retirement Unlimited, Randy dives into Special Needs Trusts in the Retirement Update. Next, Randy reviews Inflation Expectations in Tactical Asset Management. Lastly, Randy delves into Making Sense of the New Savings-Plan Rules in News You Can Use.
Enjoy!
In this episode of Retirement Unlimited, Randy dives into Baby Boomer's Biggest Financila Risk - Congnitive Decline in the Retirement Update. Next, Randy reviews The Labor Shortage Hits Home in Tactical Asset Management. Lastly, Randy delves into Local Doctor Steps Up Prostate Cancer Fight in News You Can Use.
Enjoy!
In this episode of Retirement Unlimited, Randy dives into How to Know when Inflation is for Real in the Retirement Update. Next, Randy reviews The Pitfalls of the New Child Credit in Tactical Asset Management. Lastly, Randy delves into Security - Camera Tips While You're Away in News You Can Use.
Enjoy!
In this episode of Retirement Unlimited, Randy dives into Why Many Rich People Aren't Wealthy in the Retirement Update. Next, Randy reviews This is Your Brain on Crashing Stocks in Tactical Asset Management. Lastly, Randy delves into 7 Ways Our World Has Changed in News You Can Use.
Enjoy!
In this episode of Retirement Unlimited, Randy dives into Social Security Errors in the Retirement Update. Next, Randy reviews The Value of Rotation in Tactical Asset Management. Lastly, Randy delves into Women and Med Age Differently in News You Can Use.
Enjoy!
In this episode of Retirement Unlimited, Randy dives into Biden Tax Proposals in the Retirement Update. Next, Randy reviews Industry's New Day in Tactical Asset Management. Lastly, Randy delves into The Other Pandemic in News You Can Use.
Enjoy!
In this episode of Retirement Unlimited, Randy dives into Diminished Capacity Poses New Risks in the Retirement Update. Next, Randy reviews Is it the Right Time for Annuities? in Tactical Asset Management. Lastly, Randy delves into How to Invest in an Annuity in News You Can Use.
Enjoy!
In this episode of Retirement Unlimited, Randy dives into Questions to Ask your Financial Advisor in the Retirement Update. Next, Randy reviews Inflation - Worry, But Don't Worry Too Much in Tactical Asset Management. Lastly, Randy delves into Social Security Plans to Partially Reopen Field Offices in News You Can Use.
Enjoy!
In this episode of Retirement Unlimited, Randy dives into Saying 'No' to Financial Help for Family in the Retirement Update. Next, Randy reviews Five Tacics to Investing Amid Rising Prices in Tactical Asset Management. Lastly, Randy delves into The Best Places to Retire? in News You Can Use.
Enjoy!
In this episode of Retirement Unlimited, Randy dives into Should Young Adults Stretch to Buy a Home in the Retirement Update. Next, Randy reviews Higher Taxes Won't Squash US Boom in Tactical Asset Management. Lastly, Randy delves into 5G is here... Will Anyone Care in News You Can Use.
In this episode of Retirement Unlimited, Randy dives into Rethinking Attitudtes on Aging & Retirement in the Retirement Update. Next, Randy reviews Here's What Biden's Corporate Tax Plan Means for Investors in Tactical Asset Management. Lastly, Randy delves into Cashless Future? Don't Bank On It in News You Can Use.
Enjoy!
In this episode of Retirement Unlimited, Randy dives into the question: Is My Savings On Track For Retirement? in the Retirement Update. Next, Randy reviews The Road Ahead in Tactical Asset Management. Lastly, Randy delves into Logins Shouldn't be a Pain in News You Can Use.
Enjoy!
In this episode of Retirement Unlimited, Randy dives into Inflation in the Retirement Update. Next, Randy reviews Reckoning in Tactical Asset Management. Lastly, Randy delves into Jobless Claims Continue Trending Lower in News You Can Use.
Enjoy!
In this episode of Retirement Unlimited, Randy dives into The Biggest Mistake People Make with Social Security in the Retirement Update. Next, Randy reviews Eviction Moratorium Expiration in Tactical Asset Management. Lastly, Randy delves into What the Pandemic Taught Us About Telemedicine in News You Can Use.
Enjoy!
In this episode of Retirement Unlimited, Randy dives into How to Avoid Credit Card Surprises After a Spouse Passes in the Retirement Update. Next, Randy reviews Reshoring an American Dream in Tactical Asset Management. Lastly, Randy delves into Are Electric Cars Better for the Environment in News You Can Use.
Enjoy!
In this episode of Retirement Unlimited, Randy dives into Nine Rules to Live By in the Retirement Update. Next, Randy reviews Lack of Income, Savings & Wealth in Tactical Asset Management. Lastly, Randy delves into Union Blocks California Plan for More Affordable Housing in News You Can Use.
Enjoy!
In this episode of Retirement Unlimited, Randy dives into Are you Emotionally Ready to Retire in the Retirement Update. Next, Randy reviews Spending Cools, but Rise Seen in Tactical Asset Management. Lastly, Randy delves into Diving into Bitcoin in News You Can Use.
Enjoy!
In this episode of Retirement Unlimited, Randy dives into How COVID-19 Changed Retirement Planning in the Retirement Update. Next, Randy reviews Investing when Everything is Pricey in Tactical Asset Management. Lastly, Randy delves into Wild and Crazy Housing Market in News You Can Use.
Enjoy!
In this episode of Retirement Unlimited, Randy dives into California's Blue Print/Master Plan for Aging in the Retirement Update. Next, Randy reviews More Retirments from the Pandemic in Tactical Asset Management. Lastly, Randy delves into Read this Before you Refinance in News You Can Use.
Enjoy!
In this episode of Retirement Unlimited, Randy dives into Forced into Retirement? in the Retirement Update. Next, Randy reviews Inflation Risk in Tactical Asset Management. Lastly, Randy delves into How to Keep Seniors from Scammers in News You Can Use.
Enjoy!
In this episode of Retirement Unlimited, Randy dives into You Can Still Save on 2020 Taxes in the Retirement Update. Next, Randy reviews Consumers Open Wallets & Factories Can't Keep Up in Tactical Asset Management. Lastly, Randy delves into How Investors Can Plug In To the Greening of America in News You Can Use.
Enjoy!
In this episode of Retirement Unlimited, Randy dives into Long Term Care Insurance in the Retirement Update. Next, Randy reviews Infrastructure Projects Are as American as Worries About Costs in Tactical Asset Management. Lastly, Randy delves into For Better Health, Just Head Outdoors in News You Can Use.
Enjoy!
In this episode of Retirement Unlimited, Randy dives into Women Investors Are Bucking Stock in the Retirement Update. Next, Randy reviews Watch Out for the Variant - Virus That is Return to Normal Index in Tactical Asset Management. Lastly, Randy delves into Housing Bills Miss The Cause of Housing Crisis in News You Can Use.
Enjoy!
In this episode of Retirement Unlimited, Randy dives into 20 IRA Mistakes to Avoid in the Retirement Update. Next, Randy reviews The Government Share in the Economywill Continue to Rise in Tactical Asset Management. Lastly, Randy delves into We'll have Herd Immunity by April in News You Can Use.
Enjoy!
In this episode of Retirement Unlimited, Randy dives into Distributions in Year of Retirement: A Complicated Simple Question in the Retirement Update. Next, Randy reviews Blue Collar Workforce in Tactical Asset Management. Lastly, Randy delves into What Gene Editing Can Do for Humankind in News You Can Use.
Enjoy!
In this episode of Retirement Unlimited, Randy dives into Concer Grows Over Theft From 401 (k)s in the Retirement Update. Next, Randy reviews The Pandemic Spending Hangover in Tactical Asset Management. Lastly, Randy delves into The Birth of the Super-Battery in News You Can Use.
Enjoy!
In this episode of Retirement Unlimited, Randy dives into The Other Pandemic - Alzheimer's in the Retirement Update. Next, Randy reviews Adjusting to the Biden Market in Tactical Asset Management. Lastly, Randy delves into Executive Orders Abound in News You Can Use.
Enjoy!
In this episode of Retirement Unlimited, Randy dives into Tiny Tax Changes That Could Be A Big Deal This Year in the Retirement Update. Next, Randy reviews Pros and Cons of Investing in Bitcoin in Tactical Asset Management. Lastly, Randy delves into Help Wanted on the Factory Floor in News You Can Use.
Enjoy!
In this episode of Retirement Unlimited, Randy dives into Rethink Their Kids' College Experience in the Retirement Update. Next, Randy reviews Too Much Stimulus, Too Few Shots in Tactical Asset Management. Lastly, Randy delves into Proposition 19 - What Comes Next for Homeowners and their Children in News You Can Use.
Enjoy!
In this episode of Retirement Unlimited, Randy dives into January is the New December in the Retirement Update. Next, Randy reviews Did the election change the economy in Tactical Asset Management. Lastly, Randy delves into Cerritos firm secured unemployment benefits for 82-year-old women with dementia in News You Can Use.
Enjoy!
In this episode of Retirement Unlimited, Randy dives into Financial Issues When a Parent Moves, in the Retirement Update. Next, Randy reviews Risks and Opportunities as Democrats Win Control in Tactical Asset Management. Lastly, Randy delves into Biblical Lessons for Building a Nation News You Can Use.
Enjoy!
In this episode of Retirement Unlimited, Randy dives into A Glimpse of the Future in the Retirement Update. Next, Randy reviews The Sun will come out in Spring in Tactical Asset Management. Lastly, Randy delves into Too Much Caution is Killing Covid Patients in News You Can Use.
Enjoy!
In this episode of Retirement Unlimited, Randy dives into Three Mistakes New IRA Beneficiaries are Making in the Retirement Update. Next, Randy reviews Ready to Roll in Tactical Asset Management. Lastly, Randy delves into Don't Blame The Fed for Low Rates in News You Can Use.
Enjoy!
In this episode of Retirement Unlimited, Randy dives into Baby Boomer Deal with Covid-19's Financial Hit in the Retirement Update. Next, Randy reviews Pandemic Will Linger and Affect More Lives in Tactical Asset Management. Lastly, Randy delves into The Gift of Giving in News You Can Use.
In this episode of Retirement Unlimited, Randy dives into Heading into Retirement, A Step at a Time in the Retirement Update. Next, Randy reviews Government Directed Industrial Policy in Tactical Asset Management. Lastly, Randy delves into China is National Security Threat No. 1 in News You Can Use.
Enjoy!
In this episode of Retirement Unlimited, Randy dives into Five Tax Moves for an Unusual Year in the Retirement Update. Next, Randy reviews COVID-19 will not Steal Christmas in Tactical Asset Management. Lastly, Randy delves into CA Inmates received Jobless Benefits, and Solar -Energy Projects are Booming in TX in News You Can Use.
Enjoy!
In this episode of Retirement Unlimited, Randy dives into How COVID-19 will affect Retirement & Aging in the Retirement Update. Next, Randy reviews A Tax Checklist Before 2020 Ends in Tactical Asset Management. Lastly, Randy delves into The Mayflower Compact at 400 in News You Can Use.
Enjoy!
In this episode of Retirement Unlimited, Randy dives into How COVID will Change Aging & Retirment in the Retirement Update. Next, Randy reviews IRetirees Search for More Income in Tactical Asset Management. Lastly, Randy delves into Taking Care of Your Health - At Home in News You Can Use.
Enjoy!
In this episode of Retirement Unlimited, Randy dives into The Best Month to Start Social Security in the Retirement Update. Next, Randy reviews Trying to Win by Losing Less in Tactical Asset Management. Lastly, Randy delves into Pfizer's Covid-19 Vaccine is 90% Effective in News You Can Use.
Enjoy!
In this episode of Retirement Unlimited, Randy dives into Make the Most of Medicare Enrollment in the Retirement Update. Next, Randy reviews Being Contagion- Does it help? in Tactical Asset Management. Lastly, Randy delves into Hacking's Next Targets in News You Can Use.
Enjoy!
In this episode of Retirement Unlimited, Randy dives into Estate Planning in the Retirement Update. Next, Randy reviews How the Candidates' Tax Plans Will Affect You in Tactical Asset Management. Lastly, Randy delves into The Power of Good Chemistry in News You Can Use.
Enjoy!
In this episode of Retirement Unlimited, Randy dives intoMedicare - Open Enrollment in the Retirement Update. Next, Randy reviews The Cure for Panic Attacks in Tactical Asset Management. Lastly, Randy delves into What Matters Most in News You Can Use.
Enjoy!
In this episode of Retirement Unlimited, Randy dives into Don't Rush Into Social Security in the Retirement Update. Next, Randy reviews Stuckflation in Tactical Asset Management. Lastly, Randy delves into Trump Takes Zinc. Maybe You Should Too in News You Can Use.
Enjoy!
In this episode of Retirement Unlimited, Randy dives into How to Avoid the 'Cruelest Tax' in the Retirement Update. Next, Randy reviews Planning for the Next Crisis in Tactical Asset Management. Lastly, Randy delves into Social Dilemna in News You Can Use.
Enjoy!
In this episode of Retirement Unlimited, Randy dives into Annual Financial Summit in the Retirement Update. Next, Randy reviews Investors Still Believe They Can Beat the Stock Market in Tactical Asset Management. Lastly, Randy delves into Where Robocalls Hide: the House Next Door in News You Can Use. Enjoy!
In this episode of Retirement Unlimited, Randy dives into One Spouse gets an Inheritance - It can be Tricky in the Retirement Update. Next Randy reviews Lasting and Inclusive Recovery in Tactical Asset Management. Lastly, Randy delves into Trump vs. Biden on the Issues in News You Can Use. Enjoy!
In this episode of Retirement Unlimited, Randy dives into Passing Value Through Generations in the Retirement Update. Next, Randy reviews To See if Tech Will Pop, Look to Past Bubbles in Tactical Asset Management. Lastly, Randy delves into U.S. Is Offered New Bases in Pacific in News You Can Use. Enjoy!
In this episode of Retirement Unlimited, Randy dives into Preparing for the Next Crisis in the Retirement Update. Next Randy reviews A Sudden Storm Hits Tech in Tactical Asset Management. Last Randy delves into A Math Problem for the Ages: When to Claim Social Security in News You Can Use. Enjoy.
In this episode of Retirement Unlimited, Randy dives into Social Security Questions in the Retirement Update. Next, Randy reviews Are Stock Investors Irrationally Exuberant Again, in Tactical Asset Management. Last Randy delves into Effort to Stem Plastics Pollution Falls Short. Enjoy.
In this episode of Retirement Unlimited, Randy dives into The Impact of COVID-19 and Market Turmoil in the Retirement Update. Next Randy reviews low internet rates distort the models in Tactical Asset Management. Lastly, Randy delves into China - Their CDC stumbled when it mattered most. Enjoy.
In this episode of Retirement Unlimited, Randy dives into Home is where the tax break is in the Retirement Update. Next Randy reviews Covid is doing what normal recessions do in Tactical Asset Management. Last Randy delves into John Hope Bryant in News You Can Use. Enjoy.
In this episode of Retirement Unlimited, Randy dives into Getting ready to retire in the Retirement Update. Next Randy reviews as markets bombed, investors carried on in Tactical Asset Management. Last Randy delves into its time for college and how to pay for it in News You Can Use. Enjoy.
In this episode of Retirement Unlimited, Randy dives into The future of senior living in the Retirement Update. Next Randy reviews the inner bear in Tactical Asset Management. Last Randy delves a Veteran's view of American Policing - Ray Kelly in News You Can Use. Enjoy.
In this episode of Retirement Unlimited, Randy dives into Registered Index-Linked Annuities in the Retirement Update. Next Randy reviews Making Money Decisions When the Future is Unclear in Tactical Asset Management. Last Randy delves into The Biden Tax Hike Would be Severe in News You Can Use. Enjoy.
In this episode of Retirement Unlimited, Randy dives into Estate Planning in the Retirement Update. Next Randy reviews Profits Coming Back to U.S. in Tactical Asset Management. Last Randy delves into The Way We Age Now in News You Can Use. Enjoy.
In this episode of Retirement Unlimited, Randy dives into Retirees Beware of these Tax Torpedoes in the Retirement Update. Next Randy reviews The High Cost of Integrity in Tactical Asset Management. Last Randy delves into Defend Americas History in News You Can Use. Enjoy.
In this episode of Retirement Unlimited, Randy dives into Health Care Planning in the Retirement Update. Next Randy reviews This Bull Market Isn't as big as you Think in Tactical Asset Management. Last Randy delves into New Tension in the Air in News You Can Use. Enjoy.
In this episode of Retirement Unlimited, Randy dives into Your Home As A Nest Egg in the Retirement Update. Next Randy reviews Bonds - Will Stocks Trail Bonds Over The Next Year in Tactical Asset Management. Last Randy delves into the Dangerous Secrets our Photo's reveal in News You Can Use. Enjoy.
In this episode of Retirement Unlimited, Randy dives into Values aren't Optional in the Retirement Update. Next Randy reviews Why Markets Heed Jobs Carnage in Tactical Asset Management. Last Randy delves into the Recovery is Looking Like a "V" in News You Can Use. Enjoy.
In this episode of Retirement Unlimited, Randy dives into Tips for Retirement in 2020 in the Retirement Update. Next Randy reviews The Moral Hazard of Workers Getting More Income Laid-off than Working in Tactical Asset Management. Last Randy delves into Where to Check up on your Pension in News You Can Use. Enjoy.
In this episode of Retirement Unlimited, Randy dives into Experiments During Covid in the Retirement Update. Next Randy reviews the Long Road Back in Tactical Asset Management. Last Randy delves into Scientists to Stop Covid - 19 in News You Can Use. Enjoy.
In this episode of Retirement Unlimited, Randy dives into Social Security in the Retirement Update. Next Randy reviews that wishful thinking is a risky Bet in Tactical Asset Management. Last Randy delves into thinking before you buy a flight in News You Can Use. Enjoy.
In this episode of Retirement Unlimited, Randy delaying retirement in the Retirement Update. Next Randy discusses Portfolio rebalancing strategies in Tactical Asset Management. Last Randy delves into vaccines in News You Can Use. Enjoy.
In this episode of Retirement Unlimited, Randy dives into Social Security Strategies in the Retirement Update. Next Randy discusses a roadmap for housing in Tactical Asset Management. Last Randy delves into the Biotech century ahead in News You Can Use. Enjoy.
In this episode of Retirement Unlimited, Randy dives into longevity risk in the Retirement Update. Next Randy explorers if we are back in a bull market in Tactical Asset Management. Last Randy delves into is it time to take your temperature in News You Can Use. Enjoy.
In this episode of Retirement Unlimited, Randy dives into liquidity needs in the Retirement Update. Next Randy discusses inflation in Tactical Asset Management. Last Randy delves into 10 financial moves to make if you lose your job in News You Can Use. Enjoy.
In this episode of Retirement Unlimited, Randy dives into what the RMD Suspension means in the Retirement Update. Next Randy discusses Gold and Stock timing in Tactical Asset Management. Last Randy delves into Vitamin D and Covid disparities in News You Can Use. Enjoy.
In this episode of Retirement Unlimited, Randy dives into changes that are going to come in the Retirement Update. Next Randy discusses what letter will the market recovery be in Tactical Asset Management. Last Randy delves into don't click it's a scam in News You Can Use. Enjoy.
In this episode of Retirement Unlimited, Randy dives into the Economy will survive in Retirement Update. Next Randy discusses stocks have an equity risk premium inTactical Asset Management. Last Randy delves into News You Can Use centered around Covid-19. Enjoy.
In this episode Randy talks about The Next Retirement Tax Breaks on the Chopping Block in Retirement Update. Next he tells Investors to Keep your eyes on the long run in Tactical Asset Management. He ends with This is no Time to get wobbly on capitalism in News You Can Use. Enjoy
In this episode of Retirement Unlimited, Randy dives into the Retirement Update. Next Randy discusses Tactical Asset Management. Last Randy delves into News You Can Use. Enjoy.
In this episode of Retirement Unlimited, Randy dives into the Retirement Update. Next Randy discusses Tactical Asset Management. Last Randy delves into News You Can Use. Enjoy.
In this episode of Retirement Unlimited, Randy dives into the Retirement Update. Next Randy discusses Tactical Asset Management. Last Randy delves into News You Can Use. Enjoy.
In this episode of Retirement Unlimited, Randy dives into the Retirement Update. Next Randy discusses Tactical Asset Management. Last Randy delves into News You Can Use. Enjoy.
In this episode of Retirement Unlimited, Randy dives into the Retirement Update. Next Randy discusses Tactical Asset Management. Last Randy delves into News You Can Use. Enjoy.
In this episode of Retirement Unlimited, Randy dives into the Retirement Update. Next Randy discusses Tactical Asset Management. Last Randy delves into News You Can Use. Enjoy.
In this episode of Retirement Unlimited, Randy dives into the Retirement Update. Next Randy discusses Tactical Asset Management. Last Randy delves into News You Can Use. Enjoy.
In this episode of Retirement Unlimited, Randy dives into the Retirement Update. Next Randy discusses Tactical Asset Management. Last Randy delves into News You Can Use. Enjoy.
In this episode of Retirement Unlimited, Randy talks about How Independent is your Independent Advisor in retirement Update. Randy discusses the risks of volatility in Tactical Asset Management. Then Randy discusses Coronavirus - What to Know About Asia's "Wet Markets" Where Pandemics Breed in News You Can Use. Enjoy.
In this episode of Retirement Unlimited, Randy talks about Location, Vocation, and Vacation in retirement Update. Randy discusses the risks of higher costs for goods and rewards of lower unemployment in Tactical Asset Management. Then Randy discusses What Science tells us about Preventing Dementia in News You Can Use. Enjoy.
In this episode of Retirement Unlimited, Randy talks about being kept in the dark financially, (Income, Expenses, Assets, and Taxes) in retirement Update. Randy discusses the risks of volatility and rewards of selection in Tactical Asset Management. Then Randy discusses the 10 Principles of Financial Proficiency in News You Can Use. Enjoy.
In this episode Randy discusses the odds of needing Long Term Care. He also discusses how to react if war breaks out with Iran. Last he discuses five errors to avoid in retirement.
In this episode Randy discusses the new SECURE Act and its affects on your retirement. He also discusses the Perks of a Health Savings Account.
In this week's program, the TriCord team giving your 401 (k) account a physical, and why your 401(k) fees aren't lower in Retirement Update. In Tactical Asset Management, the team talks about post-election blues and what it means for the markets. In News You Can Use, we discuss Healthy Eating and the food conflict consumers face.
In this weeks episode the TriCord team discusses Pensions and their accounting for both Public and Private in Retirement Update. In Tactical Asset Management the team discusses the fear of a U.S. Recession. In addition they discuss consumer spending on the rise, GDP growth at 2.9%, and Inflation rebounding. For News You Can Use the team talks about the non-renewal notice you may have received on Medicare Part D Coverage.
On the program this week the TriCord Team discusses the biggest money mistakes people make by decade in Retirement Update. In Tactical Asset Management the team discussed portfolio rebalancing and active versus passive portfolio management. In News you can use the team discusses the reasons you may have higher than average capital gains distributions this year.
On the program the TriCord team discusses the new Department of Labor Fiduciary Rule in Retirement Update. In Tactical Asset Management, we discuss cash in the portfolio. How much should you have and why should you have it?
In this episode the TriCord crew discuss the Six Common Mistakes People Make with Student Loans in Retirement Update. Next they discuss Negative Interest Rates in Tactical Asset Management. Last the team talks about Electric Vehicles and how they will be here sooner than you think in News You Can Use.
On the program today, Randy and Chris talk about Room Sharing and the answer to both financial and Social woes in Retirement Update. In Tactical Asset Management they talk about not being passive with your index investing. Last Randy and Chris discuss The Case of the Missing Pension in News You Can Use.
On the program today Randy, Chris, and Breanna, discuss healthcare in retirement and how Medicare plays a role in that for Retirement Update. Next they discuss how interest rate yields have gotten this low and the role of bonds and equities in the retirement portfolio for Tactical Asset Management. Last the team discusses innovations in energy and the near zero utility house for News You can use.
In todays program Chris talks about College education funding stratigies in Retirement Update. In Tactical Asset Management Chris discusses 6 pitfalls to investing in dividend paying investments. In News You Can Use, Chris highlights an article from Marketwatch entitled "Planning for Retirement? Check out the Scariest Charts in Human History" which talks about longevity in the United States.
In today's program, Chris and Breanna discuss the proposed California state run Individual Retirement Account system in Retirement Update. Next Chris dives into the VIX and Market Volatility in Tactical Asset Management. Last Breanna discusses Unclaimed Property and how your state uses your money in News You Can Use.
In Todays Program, Randy discusses those who retire after age 70 1/2 in Retirement Update. Chris and Randy discuss a Rise in Interest Rates, the growing unemployment of able bodied men, and the VIX in Tactical Asset Management. Last Randy talks about how to Fight Aging Before you Age n News You can Use.
In today's program Chris and Breanna are talking about the dos and the don'ts of retirement. They tackle the complex issues regarding Social Security and when to take it, the risk that faces a pre-retiree with their retirement accounts, and some of the fraud that is seen with retirees and their elder clients.