Charleston's Retirement Coach: Recent Episodes
Brandon Bowen
Brandon Bowen is an independent financial advisor that coaches’ individuals 55 and over through every aspect of their investment and retirement planning needs. His passion for providing client-focused solutions and unbiased guidance prompted him to establish Bowen Financial Group over a decade ago, to show you what is possible with your hard-earned retirement money.
What happens when a family crisis exposes gaps in an estate plan? On this episode, Brandon Bowen shares a real-life client story that highlights the importance of having a trust, clear estate documents, and a coordinated retirement strategy. As health challenges, long-term care expenses, and family disagreements emerge, Brandon explains how proper planning can help provide direction during difficult situations. He also discusses the role of financial advisors, trusts, beneficiary designations, and retirement planning in protecting assets and helping families navigate major life transitions.
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Are you entering retirement’s third quarter without a clear game plan? In this episode, Brandon Bowen discusses why midyear can be an important time to review retirement savings, evaluate spending habits, reduce debt, and put idle cash to work. He explains how small adjustments today may affect your retirement readiness and shares a real-world example of building toward a long-term retirement goal through consistent planning and disciplined saving. Learn what questions to ask as retirement approaches and why regular plan reviews can help keep your strategy aligned with your objectives
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Retirement may be the biggest trip of your life—but have you planned the journey or are you hoping everything works out when you arrive? In this episode, Brandon Bowen explains why retirement planning requires more than simply reaching a savings goal. The conversation covers Social Security timing, tax strategies, investment allocation, retirement income planning, and common blind spots that can catch retirees off guard. Learn how having a well-defined retirement roadmap can help you evaluate key decisions before leaving the workforce and why preparation often matters as much as the destination itself.
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What if the first year of retirement sets the tone for everything that follows? On this episode, Brandon Bowen explores the emotional and financial challenges many retirees face during their transition from work to retirement. Through a real-life client story, he discusses the balance between spending and saving, the impact of health and stress on retirement decisions, and how having a clear retirement strategy can help bring greater confidence to life after work.
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What if retirement planning is less about reaching a destination and more about knowing which turns to take along the way? Brandon Bowen explains how key retirement milestones like Social Security, Medicare, pensions, and paying off debt can shape your retirement timeline. Through a real-life client story, he shows how a flexible retirement plan can adapt when life circumstances change, helping retirees evaluate their options as goals and priorities evolve. The conversation highlights the importance of having a personalized roadmap that accounts for both financial resources and the unexpected changes that often come with retirement.
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Could the way you've saved for retirement create an unexpected tax problem later on? In this episode, Brandon Bowen explains the three primary tax buckets—tax-deferred, taxable, and tax-free accounts—and why having a mix of each can create more flexibility in retirement. He discusses common challenges retirees face when most of their savings are concentrated in one account type, along with strategies to consider when planning withdrawals and managing taxes. Learn how thoughtful tax diversification can play an important role in an overall retirement income plan.
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Excited about the next big IPO? That excitement could lead to costly decisions if not managed carefully. Brandon Bowen discusses the hype around high-profile IPOs and why investors nearing retirement may need to approach them cautiously. He explains how emotions like FOMO can influence decision-making and highlights the importance of maintaining a disciplined investment strategy. The episode also explores diversification, reducing single-stock risk, and aligning investments with income needs. If market headlines are shaping your choices, this conversation offers perspective on staying focused on your long-term plan.
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A hidden leak nearly flooded his backyard—and it mirrors a financial issue many retirees overlook. In this episode, Brandon Bowen reacts to Jamie Dimon’s take on tackling problems early, using a real-life story to highlight why delays can lead to bigger complications. From managing debt to prioritizing health and addressing estate planning gaps, the conversation focuses on organizing what may be scattered across accounts and advisors. Hear how coordination between professionals—and clear communication—can help bring structure to retirement planning and legacy considerations.
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When should you actually claim Social Security—and what could that decision mean for your retirement income? In this episode, Brandon Bowen explores the timing choices retirees face and why many claim earlier than expected. He discusses common concerns about potential changes to the system, key factors like retirement timing and income needs, and how different filing options—such as spousal and survivor benefits—can impact the bigger picture. The conversation also highlights common pitfalls, including scams and misunderstood rules, while emphasizing how Social Security fits into a broader income strategy.
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Are you following a clear roadmap to retirement—or just guessing at the next turn? In this episode, Brandon Bowen shares how retirement planning involves navigating key milestones like Social Security and Medicare while building a plan that adapts to life changes. Through a real client story, he illustrates how adjusting timelines, income sources, and expenses can reshape retirement decisions. The conversation focuses on creating a flexible, personalized approach that accounts for evolving goals, income needs, and major life transitions.
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Are you just a number to your financial advisor—or do they actually know your story? This episode explores how personalized advice can differ from large firm experiences, especially as you approach retirement. Brandon Bowen shares a real client example to highlight how service, communication, fees, and tax considerations can impact financial decisions. The conversation focuses on the value of relationships, simplifying portfolios, and reviewing strategies as needs change over time.
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Why does retirement feel exciting for some—and overwhelming for others? In this episode, Brandon Bowen explores the emotional shift from earning a paycheck to relying on your savings for income. He discusses how identity, market uncertainty, and fear of running out of money can shape retirement decisions. Through real-life examples, Brandon explains how organizing assets into purpose-driven “buckets” and having a structured plan can change the way people approach retirement. The conversation highlights how preparation, income strategy, and ongoing adjustments play a role in navigating this major life transition.
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What happens when you’re making retirement decisions on your own—and the market feels uncertain? In this episode, Brandon Bowen discusses the growing trend of solo aging and the financial challenges many individuals, particularly women, face when planning retirement independently. He shares how market volatility, longevity concerns, and shifting income needs can create stress for those transitioning into retirement, and highlights how adjusting risk, creating income strategies, and addressing long-term care considerations play a role in building a structured plan.
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Are you sitting on a retirement account that hasn’t been taxed yet—and wondering what to do with it? In this episode, Brandon Bowen breaks down the growing conversation around Roth conversions and why timing plays such a key role. He explains the concept of a “sweet spot” in the mid-to-late 60s, walks through how tax-deferred savings are eventually taxed, and shares a client example of building multiple income streams across different tax buckets. The discussion focuses on understanding tax exposure, retirement income flexibility, and how Roth strategies fit into a broader plan.
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Keeping the same investment strategy in retirement that worked during your working years can quietly increase risk and costs. In this episode, Brandon Bowen breaks down what diversification really means as retirement approaches—and why owning multiple funds doesn’t always equal balance. He discusses common mistakes he sees, including overlapping investments, high fees, and income strategies that don’t align with long-term needs. Using a real-world second‑opinion scenario, the conversation highlights how portfolio structure, expenses, and income planning can impact retirees as they transition from growth to income.
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Saving for retirement is one thing—turning those savings into reliable income is another challenge entirely. In this episode, Brandon Bowen explains why a 401(k) is not a retirement plan by itself and why many people struggle to transition from saving to spending. The conversation breaks down common misconceptions around annuities, income planning, and portfolio design, using real‑world examples to show how different tools fit together. Brandon emphasizes education, balance, and understanding how each piece of retirement income works before relying on it long term.
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When two lives come together, so does the financial baggage—and avoiding the conversation only makes it heavier. In this episode, Charleston’s Retirement Coach Brandon Bowen explores how relationships, communication, and money intersect, especially in second marriages and later‑in‑life transitions. Brandon shares real client scenarios highlighting common friction points like blending finances, beneficiaries, housing decisions, and spending expectations. The discussion emphasizes why open dialogue, clear planning, and shared decision‑making are essential when building a retirement plan as a couple. It’s an honest look at how emotional and financial realities collide—and how thoughtful planning helps couples move forward on the same page.
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One unsuspecting decision nearly unraveled a lifetime of saving. In this episode, Charleston’s Retirement Coach Brandon Bowen shares a real-world story of a retiree caught in a sophisticated financial scam—and the warning signs that appeared along the way. The conversation explores how scams target retirees, why embarrassment keeps people silent, and the importance of having a trusted financial sounding board watching activity over time. This episode focuses on awareness, vigilance, and the role a long-term advisory relationship can play in spotting problems before they permanently change a retirement plan.
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What if the boldest voices in tech are wrong about retirement no longer mattering? In this episode of Charleston’s Retirement Coach, Brandon Bowen responds to eye‑catching headlines and big predictions about AI, wealth, and the future of retirement. The discussion brings the conversation back to real-life planning—addressing uncertainty, market risk, income needs, and the pressure many families feel when retirement decisions start to feel heavy. The episode focuses on sorting through noise, avoiding decision paralysis, and why thoughtful planning still matters when headlines promise a very different future.
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Retirement mistakes don’t always come from bad intentions—they often come from using the wrong tools at the wrong time. In this episode, Brandon Bowen uses relatable travel stories and real client scenarios to highlight common retirement planning missteps, including staying too aggressive with investments, overspending early in retirement, delaying Social Security without context, and underestimating inflation. The discussion focuses on adjusting portfolios and income strategies as life changes, emphasizing the importance of aligning risk, income, and expectations with today’s stage of retirement—not the past.
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A fresh breeze can reveal what’s been hiding—and the same can be true for your portfolio. In this episode, Brandon Bowen uses the idea of “spring cleaning” to explain why a portfolio review can uncover hidden risks, high costs, and overlapping investments. The conversation walks through what a portfolio X‑ray looks for, including risk exposure, investment fees, and redundancy across holdings. Listeners will hear how portfolios can quietly drift out of balance over time and why getting a clear picture matters most for those nearing or already in retirement.
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A will alone may not protect the people you care about most. In this episode, Charleston’s Retirement Coach Brandon Bowen is joined by estate planning attorney Tripp Wiles to unpack how legacy planning really works—and where families often get tripped up. The conversation explores trusts, funding mistakes, blended‑family complications, and why estate planning is more than paperwork. Using real‑world examples, they explain how coordinating financial planning and legal strategy can help reduce conflict, confusion, and unintended outcomes for spouses, children, and grandchildren.
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Estate planning isn’t just about passing assets—it’s about preventing confusion and conflict. In this episode, Brandon Bowen is joined by estate planning attorney Tripp Wiles to break down how estate and legacy planning fit into a complete retirement strategy. The conversation covers wills versus trusts, probate, beneficiary designations, incapacity planning, and common misconceptions that leave families vulnerable. With a focus on clarity and coordination, this discussion highlights why estate planning matters for families of all sizes and why it’s a critical step many retirement plans overlook.
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Inheriting money can be exciting—and overwhelming at the same time. In this episode of Charleston’s Retirement Coach, Brandon Bowen explores the challenges families face during the great wealth transfer and the questions that often follow an inheritance. The discussion covers emotional reactions, debt decisions, tax considerations like step‑up in basis, and why inherited assets often sit untouched for years. Through real‑world examples, the episode highlights how understanding what you’ve inherited—and how it fits into your overall plan—can shape long‑term financial choices without rushing into big or costly mistakes.
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A bigger Social Security check doesn’t always mean a better retirement. In this episode of Charleston’s Retirement Coach, Brandon Bowen breaks down a real‑world story of regret from waiting until age 70 to file for benefits. The conversation explores why Social Security timing is about more than monthly income, how break‑even math really works, and what people often overlook about health, quality of life, and opportunity cost. Brandon walks through how filing decisions interact with savings, debt, and retirement income planning as a whole.
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Feeling like you should already have all the answers is often what keeps people from ever starting a retirement plan. In this episode of Charleston’s Retirement Coach, Brandon Bowen explains what really happens in a first planning conversation and why it’s okay to show up uncertain, overwhelmed, or unsure. The discussion covers common fears about running out of money, market risk, debt, and decision paralysis, and why honesty matters more than preparation. A candid look at building a retirement plan by addressing blind spots, priorities, and real‑life concerns—without judgment.
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Reaching retirement without a clear plan is more common than most people realize. Charleston’s Retirement Coach Brandon Bowen uses a Super Bowl analogy to explain why retirement success doesn’t happen by accident. This episode looks at what “winging it” really means—unclear income sources, Social Security timing questions, lingering debt, and uncertainty around major financial decisions. Through real‑world examples, Brandon walks through how planning brings structure and clarity to the retirement transition. It’s a practical discussion focused on turning savings into income and understanding the steps needed to move forward with confidence.
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Having a will doesn’t mean your estate plan is finished—and that gap can create real problems. In this episode of Charleston’s Retirement Coach, Brandon Bowen explains why estate planning requires more than a single document and how unfunded trusts quietly undermine good intentions. The conversation breaks down the key estate documents families need, the common mistakes Brandon sees when reviewing trusts, and why organization and follow‑through matter as much as drafting paperwork. It’s a practical look at protecting legacy plans from confusion, probate, and unnecessary complications.
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A new tax break for Americans over 65 could quietly reshape how retirement income is taxed. Charleston’s Retirement Coach Brandon Bowen breaks down the new senior deduction under the One Big Beautiful Bill Act and explains how it fits into real-life retirement strategies. Using client examples, Brandon explores how standard deductions, Roth conversions, and tax timing interact over decades, not just one year. This episode focuses on understanding the rules, recognizing tradeoffs, and thinking through retirement income with a long-term lens.
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What if the debt you carry into retirement shapes your financial freedom more than your investment choices? In this episode, Charleston’s Retirement Coach Brandon Bowen breaks down how different types of debt—mortgages, car loans, and consumer balances—fit into retirement planning. He shares real client examples, discusses when paying off debt may make sense, and explains why interest rates, cash reserves, and timing matter. This conversation highlights the importance of evaluating debt alongside assets to build a more thoughtful retirement strategy.
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What if the wake‑up call you’ve been avoiding is hiding in plain sight? In this episode, Charleston’s Retirement Coach Brandon Bowen shares a personal health scare that completely reframed how he thinks about procrastination—and how the same blind spots can undermine your financial life. From overlooked risks and excessive fees to overexposure in certain investments, he explains why regular financial “checkups” matter and how uncovering hidden issues can bring clarity and peace of mind. It’s a candid reminder that health and wealth both require attention before problems become urgent.
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What if the market feels calm now—but your portfolio is quietly exposed to far more risk than you realize? Brandon Bowen digs into why news headlines, index returns, and “set‑it‑and‑forget‑it” diversification can create blind spots for pre‑retirees. He breaks down how overconcentration, hidden overlap, and outdated mutual funds can magnify losses when volatility returns, and why understanding your true risk level matters as retirement approaches. This episode offers a clear look at the questions every investor should ask before the next market shake‑up.
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What happens when you reach retirement with millions saved—but realize you never learned how to enjoy it? Brandon Bowen explores the surprising regrets of over‑savers and why unspent wealth often reflects fear, habit, or lack of planning. Through real client stories—including retirees who waited too long to travel and those finally learning to loosen their grip—he highlights how purpose, memories, and intentional strategy shape a more meaningful financial life. This episode challenges listeners to rethink what their money is truly for.
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What if the real challenge of retirement isn’t saving your money—but knowing how to use it? In this episode, Brandon Bowen unpacks why relying solely on investment income can be more complex than it sounds and explores what retirees should consider when balancing growth, risk, and steady income needs. Through real client examples and practical insights, he explains how shifting from a growth‑first mindset to an income‑focused plan can offer clarity when markets fluctuate. A grounded look at building a structure that supports your lifestyle throughout retirement.
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Is Social Security really a gift, or just a confusing benefit you’ve paid for your whole life? Brandon Bowen unpacks the myths and realities of claiming Social Security, exploring how timing, personal circumstances, and lesser-known options like survivor benefits can shape your retirement income. Learn why a personalized approach matters when integrating Social Security into your overall plan.
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Could microscopic fees be eating away at your retirement savings? Brandon Bowen exposes the hidden costs lurking in investment portfolios and explains why transparency, risk management, and a clear income plan are essential for financial confidence. Learn how a portfolio “X-ray” can reveal what’s really happening behind the scenes and empower you to make informed decisions about your future.
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Is your financial advisor still the right coach for your retirement? Brandon Bowen breaks down the warning signs that it’s time for a second opinion, from outdated strategies to poor communication. Learn how to spot red flags, ask the right questions, and make sure your retirement plan is truly working for you.
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What if your retirement expenses doubled—would your plan survive? Brandon Bowen explores the paradox of time, inflation, and lifestyle expectations in retirement. Discover why comparing yourself to others can sabotage your financial confidence and learn how a customized playbook can help you plan for rising costs, debt reduction, and steady income. This episode breaks down real-life scenarios and practical strategies to help you prepare for the future you’ve imagined, without second-guessing your decisions.
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What happens when layoffs or retirement loom and your financial future feels uncertain? Brandon Bowen discusses how to hit pause, reassess your plan, and navigate the emotional and practical shifts that come with leaving the workforce. From managing income and healthcare to redefining purpose and building a customized retirement playbook, this episode explores real stories and strategies for making the transition with confidence and clarity.
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What should you do with your 401(k) when you retire—and how do you turn that nest egg into reliable income? This episode explores the crucial decisions facing new retirees, from rolling over your 401(k) to an IRA, to consolidating accounts, and analyzing payout options. Brandon Bowen shares real stories of clients who found confidence and freedom by making smart choices, streamlining their finances, and maximizing their required minimum distributions. Get practical insights for turning your savings into a stress-free retirement.
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What happens when raising parents becomes life’s toughest challenge? Brandon Bowen explores the realities of caregiving for aging loved ones, from unexpected expenses and emotional stress to the impact on your own retirement plans. Hear real stories, practical strategies, and why putting your financial mask on first is essential for supporting those you love without sacrificing your future.
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Is your retirement plan a tangled web of accounts, tax statuses, and unanswered questions? Brandon Bowen breaks down the complexity of modern retirement, from consolidating old 401(k)s and IRAs to tackling tax strategies and portfolio risk. Discover why a customized blueprint is essential and how thoughtful planning can help you navigate the financial maze with confidence.
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Are retirement fears keeping you up at night—even with a healthy nest egg? This episode explores why Gen Xers and others worry about outliving their savings, market crashes, and income gaps. Brandon Bowen breaks down the power of asset allocation, the difference between passive and active management, and how a portfolio “X-ray” can reveal hidden risks and costs. Discover strategies to align your investments with your retirement goals.
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Could a new tax law change your retirement strategy? Brandon Bowen explores the impact of the One Big Beautiful Bill Act, revealing how new deductions, Roth conversions, and charitable moves can reshape your nest egg. Learn why timing matters, how income thresholds affect your benefits, and why Social Security filing is more complex than you think. Get practical insights on maximizing opportunities before they disappear, and discover how a proactive approach can help you keep more of what you’ve earned.
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Feeling like time is flying by and you’re behind on retirement planning? In this episode, Brandon Bowen shares why it’s never too late to take action, even as the year winds down. Discover why most people retire earlier than planned, how proactive planning can help you retire on your terms, and why your retirement deserves as much attention as your biggest vacation. Hear real client stories about building income plans, reducing risk, and creating a blueprint for a fulfilling retirement—so you can spend more time doing what you love.
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How do you turn your savings into a steady paycheck after work ends? Charleston’s retirement coach Brandon Bowen explains the shift from traditional pensions to DIY retirement, sharing strategies for creating protected income and balancing risk. Discover why knowing your monthly number and dialing in the right mix of guarantees and growth is the key to spending confidently and enjoying your next chapter.
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Are bonds really the answer for every portfolio—or is it time to rethink your strategy? Brandon Bowen tackles conflicting financial advice, challenges blanket statements from gurus like Tony Robbins, and shares a powerful story of rebuilding after a devastating 401(k) loss. Discover why customized planning, trust, and exploring new investment options can help you reduce risk and unlock greater growth potential as you approach retirement.
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Tired of the market roller coaster? Discover how consistent income streams can bring peace of mind in retirement. Brandon Bowen explains why annuities—especially fixed index annuities—are gaining popularity, and how smart planning can help you avoid “rocking chair regrets.” Hear real-life stories of retirees who travel, support family, and enjoy life without stressing over market swings. Learn how an income inspection can reveal risks and opportunities for your financial future.
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Ready to get off the market roller coaster? This episode explores how “boring” income strategies—like Social Security timing and fixed indexed annuities—can bring steady cash flow in retirement. Brandon Bowen shares real-life stories, debunks annuity myths, and explains why predictable income is the key to enjoying life, traveling, and reducing stress. Discover how an income inspection can help you avoid regrets and build lasting financial security.
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Is your retirement income plan built to last? In this episode, Brandon Bowen breaks down the pros and cons of annuities and explains why guaranteed income is the cornerstone of a successful retirement strategy. From fixed indexed annuities to income riders, Brandon shares how to protect your principal, avoid high fees, and create a reliable cash flow—even if the market takes a hit. If you’re 50+ and have saved $500K or more, this is the income planning conversation you don’t want to miss.
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Is your retirement portfolio riding too heavily on the “Magnificent Seven”? In this episode, Charleston’s Retirement Coach Brandon Bowen breaks down the risks of overconcentration in today’s tech-heavy market and explains how to rebalance for long-term retirement success. From Morningstar risk assessments to rules-based investing with Market Guard, Brandon shares how to spot hidden vulnerabilities and build a more resilient, diversified plan—without sacrificing growth.
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Is the 4% rule outdated? In this episode, Brandon Bowen challenges traditional retirement withdrawal strategies and explores how personalized income planning can unlock more flexibility. From Roth conversions to balancing risk and lifestyle goals, learn how a tailored approach can help you make the most of your savings while supporting the lifestyle you’ve worked hard to achieve.
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What if one conversation could protect your family from financial chaos? In this episode, Brandon Bowen shares a powerful story of a couple navigating memory care costs and the importance of legacy planning. From estate documents to power of attorney and long-term care funding, learn how to prepare for the unexpected and avoid leaving a burden behind. Whether you're caring for aging parents or planning your own retirement, this episode offers clarity and compassion.
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What should you do with an unexpected inheritance—or one you know is coming? In this episode, Brandon Bowen walks through how to turn a windfall into long-term financial strength. From income planning and tax strategies to Roth conversions and growth-focused portfolios, he shares real-life stories and practical steps to help you make smart, confident decisions. Whether you’re navigating a recent inheritance or preparing for one in the future, this episode is packed with insight to help you make the most of it.
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Target Date Funds (TDFs) might seem like a simple solution for your 401(k), but are they really working for you? In this episode, Brandon Bowen breaks down the pros and cons of TDFs, why they may be too “vanilla” for your retirement goals, and how a personalized portfolio review can uncover hidden fees, overlap, and missed opportunities. If you’re relying on a set-it-and-forget-it strategy, it might be time to rethink your approach.
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What if you’re missing out on thousands in Social Security benefits—and don’t even know it? In this episode, Brandon Bowen shares a real-life story of a client who unknowingly filed for $300 a month when she was eligible for $1,500. He breaks down the critical rules around spousal benefits, filing strategies, and how to build a retirement income plan that doesn’t rely solely on Social Security. Whether you’re in your 40s or 60s, this episode will help you rethink how to protect and grow your income for the long haul.
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What if your retirement income never ran out—no matter how long you live? In this episode, Brandon Bowen breaks down how to build a retirement paycheck using Social Security, annuities, and flexible withdrawal strategies. He explains how to replace bonds with guaranteed income, when annuities make sense (and when they don’t), and how to protect your portfolio from market downturns. With real-life stories and a cookie cake analogy you won’t forget, Brandon shows how to retire with confidence, clarity, and control.
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Are you speeding toward retirement without checking your risk? In this episode, Brandon Bowen shares a cautionary tale of a couple who lost half their portfolio just as they were ready to buy a home in retirement. He explains why de-risking your investments before retirement is critical—and how to know if you're going too fast. From market volatility to forced layoffs, Brandon outlines the signs that it’s time to slow down and protect your nest egg before it’s too late.
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What if your retirement came sooner than expected? In this episode, Brandon Bowen shares how to prepare for a “forced retirement”—whether due to layoffs, health issues, or unexpected life changes. Through real client stories, Brandon explains how to assess your finances, rework your budget, and shift your investments to generate reliable income. He also highlights the emotional relief that comes from having a clear, customized retirement plan. If you’re feeling uncertain about your job or your future, this episode offers a practical path to peace of mind.
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What if your retirement income never ran out—no matter how long you live? In this episode, Brandon Bowen breaks down how to create protected income streams using Social Security and annuities, and why now might be the best time in 15 years to consider one. With real-life examples and a cookie cake analogy you won’t forget, Brandon explains how to spend confidently, reduce market risk, and build a plan that lasts.
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Think your taxes will be simpler in retirement? Think again. In this episode, Brandon Bowen breaks down why overlooking tax strategy is one of the most common—and costly—retirement mistakes. From tax-deferred traps to Roth advantages, learn how diversifying your tax buckets can help you keep more of what you’ve earned. Whether you're still working or already retired, this conversation will change how you think about your financial future.
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This week on Charleston's Retirement Coach, Brandon Bowen discusses the common regrets people have about retirement, particularly the importance of saving early. He emphasizes the need for a solid retirement plan to address fears of running out of money and the role of income in achieving financial security. The conversation also touches on the 4% rule and its limitations, advocating for a more personalized approach to retirement planning that considers the 'go-go years' of retirement.
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In this episode of Charleston's Retirement Coach, Brandon Bowen discusses the rewarding aspects of helping clients achieve retirement readiness, the challenges faced in communicating financial plans, and the future vision for Bowen Wealth. He emphasizes the importance of personal connections with clients and shares insights into his personal life and values.
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This week on Charleston's Retirement Coach, Brandon Bowen discusses his motivation for helping others navigate retirement planning, the importance of managing emotions during market volatility, the future of Social Security, and how to uncover waste in investment portfolios. He emphasizes the need for strategic planning and the value of having a financial advisor to guide individuals through their retirement journey.
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In this episode of Charleston's Retirement Coach, Brandon Bowen discusses the importance of financial planning, especially during the summer vacation season. He shares personal anecdotes about family vacations and emphasizes the need for proper financial preparation for spontaneous trips. The conversation shifts to the differences between captive and independent insurance agents, highlighting the potential savings when working with independent advisors. Brandon also addresses the hidden costs associated with financial advice and the importance of understanding investment fees. He encourages listeners to consider a portfolio x-ray to identify any excessive fees they may be paying, ultimately aiming to provide a clearer financial picture for retirement planning.
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This week, Brandon Bowen discusses the critical aspects of retirement planning, particularly focusing on the 'retirement danger zone' and the importance of creating a solid income plan. He emphasizes the need for diversification in investment strategies to mitigate risks associated with market volatility as individuals approach retirement. The conversation also highlights the significance of understanding one's financial needs and developing a tailored income strategy to ensure a secure and enjoyable retirement.
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In this episode of Charleston's Retirement Coach, Brandon Bowen discusses the importance of financial planning, especially in volatile markets. He shares his personal motivation for helping clients navigate retirement, emphasizing the need for a solid income plan and the challenges surrounding Social Security. The conversation also highlights the significance of uncovering inefficiencies in investment portfolios to enhance financial security during retirement.
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This week on Charleston's Retirement Coach, Brandon Bowen discusses the importance of understanding hidden fees in financial portfolios, the value of transparency in financial advising, and the mindset needed for a fulfilling retirement. He emphasizes the need for a customized retirement blueprint to ensure financial independence and confidence in retirement planning.
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In this episode of Charleston's Retirement Coach, Brandon Bowen shares his personal journey from a humble upbringing on a chicken farm in South Carolina to becoming a successful financial advisor. He discusses the challenges and rewards of helping clients navigate their retirement plans, emphasizing the importance of personal relationships in financial advisory. Brandon reflects on his motivations, the risks he took to start Bowen Wealth, and his vision for the future of his firm, all while maintaining a focus on family and faith.
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In this episode of Charleston's Retirement Coach, Brandon Bowen discusses the challenges faced by widows and divorcees in financial planning, the impact of market volatility on retirement savings, and the emotional responses that can arise during uncertain times. He emphasizes the importance of having a solid income-focused retirement plan and encourages listeners to seek second opinions on their financial strategies. The conversation also touches on legacy planning and the need for timely financial decisions to avoid regrets later in life.
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This week, Brandon Bowen discusses the current market volatility and its implications for retirement planning. He emphasizes the importance of asset allocation, emotional decision-making, and having a solid retirement game plan. The conversation also covers strategies for navigating down markets and the concept of managing investments through three distinct buckets based on time horizons and risk tolerance.
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In this episode of Charleston's Retirement Coach, Brandon Bowen discusses the importance of personalized financial planning, particularly in retirement. He critiques popular financial gurus for their broad advice and emphasizes the need for tailored income planning that addresses longevity, tax risks, and market volatility. Through client success stories, he illustrates the benefits of having a comprehensive income plan and highlights common pitfalls in portfolio management.
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This week, Brandon Bowen shares his personal journey from a humble upbringing on a farm in South Carolina to becoming a successful financial advisor. He discusses the challenges and rewards of helping clients navigate their retirement planning, emphasizing the importance of clarity and trust in the advisor-client relationship. Brandon also reflects on his career transitions, the values that drive him, and his vision for the future of Bowen Wealth, focusing on specialized retirement strategies for clients nearing retirement.
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In this conversation, Brandon Bowen discusses the importance of understanding market volatility and risk tolerance in retirement planning. He emphasizes the need for a secure income plan and the use of MarketGuard portfolios to manage risk effectively. The discussion also highlights the significance of thorough portfolio analysis and the disconnect many have regarding their retirement strategies. Through relatable analogies, such as March Madness, Bowen illustrates the necessity of proactive planning to achieve retirement success and the joy that comes with financial security.
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In this week's episode of Charleston' Retirement Coach, Brandon Bowen interviews actor and musician Chip Esten, discussing his career, personal experiences, and the importance of family and legacy. Esten shares insights on his roles in popular shows, the impact of his family on his music, and the challenges of parenting. The conversation emphasizes the significance of connection, struggles, and the lessons learned from family, as well as the importance of planning for a fulfilling retirement.
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This week, Brandon Bowen discusses the intersection of music, legacy, and financial planning. The conversation begins with insights from the Country Radio Seminar (CRS) and the impact of social media on the music industry. Brandon emphasizes the importance of building a legacy, both in music and personal finance, drawing lessons from artists like Old Dominion and Chip Esten. The episode highlights practical financial advice for listeners looking to secure their legacy through effective retirement planning.
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In this conversation, Brandon Bowen discusses the evolving landscape of retirement planning, emphasizing the need to rethink traditional retirement ages and the importance of balancing spending and saving. He highlights the significance of creating a comprehensive income plan that allows retirees to enjoy their savings while also preparing for longevity. The discussion also covers the importance of finding qualified financial advisors and asking the right questions to ensure transparency and alignment with personal financial goals.
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This week on Charleston's Retirement Coach, Brandon Bowen discusses the often-overlooked hidden fees in retirement plans, particularly focusing on expense ratios and their impact on retirement savings. He emphasizes the importance of self-managing retirement funds to avoid unnecessary costs and highlights common mistakes people make when planning for retirement, such as not considering health insurance gaps and the earnings test.
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This week, Brandon Bowen discusses the importance of planning for retirement, particularly focusing on social security risks and strategies to mitigate them. He emphasizes the need for a diversified income stream and shares a client case study to illustrate how to effectively manage retirement income. The conversation also covers common mistakes made by retirees, the significance of professional financial advice, and various tax strategies that can enhance retirement savings.
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This week, Brandon Bowen discusses the critical importance of tax planning in retirement. He emphasizes understanding tax brackets, the benefits of Roth IRAs, and the necessity of customizing investment portfolios to maximize returns and minimize tax liabilities. The conversation also highlights the creation of a personalized retirement blueprint to ensure financial security and peace of mind in retirement.
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In this episode of Charleston's Retirement Coach, Brandon Bowen discusses the importance of understanding personal expenses in retirement planning, the need for effective investment strategies, and the significance of having a well-structured retirement game plan. He emphasizes the balance between growth and protection in investments, the impact of AI on the market, and the necessity of making a big switch in portfolio management as one approaches retirement.
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This week, Brandon Bowen discusses the critical aspects of retirement planning, highlighting the common regrets of not saving adequately, the importance of having a personalized retirement plan, and the fears associated with running out of money. The discussion emphasizes the need for a strategic approach to income generation in retirement, the implications of the 4% rule, and the potential for achieving higher drawdown rates through effective planning and investment strategies.
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This week, Brandon Bowen discusses the concept of 'lazy money' in retirement planning, emphasizing the importance of identifying and reallocating funds that are not actively working for individuals. He highlights the significance of having a second opinion on financial strategies and how to prioritize retirement goals to ensure a fulfilling retirement experience.
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In this episode of Charleston's Retirement Coach, Brandon Bowen discusses the significance of National Quitters Day, the challenges of sticking to New Year's resolutions, and the implications of early retirement decisions.
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This week on Charleston's Retirement Coach, Brandon Bowen reflects on the past year, sharing personal and professional milestones, and discusses the importance of planning for a successful 2025. He emphasizes the need for sustainable goal setting over traditional resolutions, the significance of prioritizing health, and how financial planning can alleviate stress. The conversation also highlights the value of charitable giving as a means to build a lasting legacy.
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In this episode of Charleston's Retirement Coach, Brandon Bowen discusses the intricacies of retirement planning, emphasizing the importance of understanding fees associated with financial services, the value of personal relationships in financial advisory, and the emotional aspects of financial planning. He also touches on the significance of setting financial goals, particularly in the context of New Year's resolutions, and how to create a comprehensive financial plan for retirement.
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In this conversation, Brandon Bowen discusses the intricacies of Social Security benefits, emphasizing the importance of timing and strategy in claiming these benefits. He outlines key ages for claiming Social Security, the impact of cumulative earnings, and the complexities involved in navigating the system. The discussion also touches on the current state of Social Security and the need for a comprehensive income plan in retirement.
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This week, Charleston's Retirement Coach, Brandon Bowen, discusses the parallels between preparing for Thanksgiving and planning for retirement. He emphasizes the importance of having a solid plan, assessing current resources, and monitoring progress to ensure a successful retirement. The discussion includes various analogies, including cooking and golfing, to illustrate financial strategies and the need for diversification in investment portfolios. The conversation wraps up with personal reflections on Thanksgiving traditions and the value of family.
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This week, Charleston's Retirement Coach, Brandon Bowen, discusses the intricacies of retirement planning, emphasizing the importance of having a solid plan in place as one approaches retirement age. He highlights the need for flexibility in retirement plans, allowing for adjustments based on individual circumstances and desires. The discussion also delves into the significance of legacy planning, encouraging listeners to consider how they want to be remembered, and the impact they wish to leave behind for their loved ones.
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This week, Brandon Bowen delves into the implications of the recent election on financial markets and retirement planning. He discusses market reactions, predictions for the upcoming year, and the importance of having a solid income plan for retirement. Various client experiences are shared, emphasizing the need for diversified income streams and tax strategies. The discussion also touches on historical market performance in relation to political leadership, highlighting the necessity of preparing for potential market fluctuations and tax changes.
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This week, Charleston's Retirement Coach, Brandon Bowen, shares his journey from a humble upbringing on a chicken farm in South Carolina to becoming a successful financial advisor. He discusses the influence of his family, the challenges he faced in his career, and the rewarding moments of helping clients achieve their retirement goals. Brandon also opens up about his personal life, including his experiences as a father and navigating through a divorce, while emphasizing the importance of family and faith in his life.
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This week, Brandon Bowen discusses Halloween traditions and transitions into the importance of financial planning for retirement, particularly focusing on annuities as a reliable income source. The discussion highlights the benefits of having a structured financial plan, the comfort of initial consultations, and the no-cost approach to financial advice, emphasizing the importance of treating clients' savings with care and respect.
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This week, Brandon Bowen delves into the complexities of retirement planning, emphasizing the risks of a DIY approach and the importance of professional guidance. He covers essential topics such as tax strategies, Roth conversions, required minimum distributions, and the psychological shift from negative to positive thinking about retirement. The discussion highlights the need for a comprehensive income plan and preparation for market volatility, ultimately aiming to empower listeners to take control of their financial futures.
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This week, Brandon Bowen discusses the importance of year-end financial planning, particularly focusing on 401(k) strategies and the necessity of having multiple income streams in retirement. He highlights the risks associated with relying solely on traditional retirement plans and emphasizes the need for a diversified income strategy. The discussion also touches on the lessons learned from Tupperware's business struggles, illustrating the importance of adapting financial strategies to changing circumstances.
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This week on Charleston's Retirement Coach, Brandon Bowen discusses the origins and implications of the 401(k). He delves into the hidden fees associated with 401(k) plans and the importance of transparency in financial planning. Brandon emphasizes the need for a comprehensive financial strategy, particularly as individuals approach retirement, and the role of financial advisors in helping clients navigate their financial futures. He also stresses the importance of organizing one's financial life to achieve financial independence.
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This week, Brandon Bowen discusses the critical aspects of retirement planning, highlighting the common regrets of not saving adequately, the importance of having a personalized retirement plan, and the fears associated with running out of money. The discussion emphasizes the need for a strategic approach to income generation in retirement, the implications of the 4% rule, and the potential for achieving higher drawdown rates through effective planning and investment strategies.
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Many people struggle with the transition from saving for retirement to confidently spending their savings. This can be especially challenging for those who have followed a disciplined approach to saving, such as Dave Ramsey graduates.
Breaking down this mentality requires a plan that allows for both discipline and freedom. It's important to shift from a growth mindset to an income mindset in retirement and adjust investments accordingly. A proper retirement plan can help individuals loosen up and spend with confidence, preventing future regrets.
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As retirement approaches, it is important to have a plan in place. One common mistake people make is leaving their 401k in a cash account that only pays a marginal rate of interest. This can result in missing out on potential gains from the stock market.
Brandon discusses common mistakes retirees make and highlights the importance of being tactical with investment strategies.
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In this episode, Brandon focuses on fear, risk, and finding balance in retirement planning. He highlights the importance of addressing emotions and shifting thinking in retirement. The fear of losing money can hinder growth in retirement savings, especially for women who tend to be more conservative.
Brandon emphasizes the need for diversification and a balanced approach to investing. It also discusses the benefits of having a comprehensive retirement plan that includes guaranteed income and strategies to preserve and grow wealth.
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Brandon discusses how to prepare for the financial future amidst market turmoil. He emphasizes the importance of having a plan and realistic expectations. Brandon introduces the concept of three buckets for retirement savings: safety and income, moderate growth, and maximum risk and growth potential. He explains how each bucket serves a different purpose and helps to lower stress.
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Brandon addresses the issues some retirees may face such as having to switch financial advisors, paying high fees, or having poor portfolio performance. He emphasizes the value of a customized retirement plan that addresses income streams, market investments, tax strategies, and personal goals.
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Brandon explains the importance of legacy planning, the need for income during retirement, and the potential risks of relying on a single income stream. He highlights the case of Tom Selleck, who is concerned about affording his home after retiring despite his net worth.
Brandon emphasizes the need for a comprehensive retirement plan that includes multiple income sources and provides stability.
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Legacy planning is a personal and often avoided topic, but it is crucial to make decisions while you're still alive to avoid someone else making them for you. The state of South Carolina has a plan if you don't have one, which can put your loved ones in a difficult situation.
Proper legacy planning involves checking beneficiaries, account types, considering a revocable living trust, managing non-qualified accounts, and planning for the sale of a business or property.
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Brandon discusses why financial independence and retirement planning are different and emphasizes the importance of having sufficient residual income for true independence. He also highlights the various means to achieve financial independence, such as rental properties and annuities.
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Brandon discusses the confusion and challenges surrounding financial planning for retirement, specifically focusing on Social Security. He highlights the complexity of the tax code and the difficulties in understanding and filing taxes.
Brandon also explains three lesser-known rules related to Social Security filing and provides examples of how these rules can impact individuals’ benefits.
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Brandon covers the potential threats to Social Security and the need to plan for a reduction in income streams in retirement. He highlights the possible cuts that could occur by 2035 on Social Security income.
Brandon also explores the various scenarios that could lead to reduction in retirement income, such as the absence of a survivor benefit in a pension plan or the less of one spouse’s Social Security check.
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Brandon explores the importance of legacy planning and financial preparation for the future, inspired by the passing of basketball legend Bill Walton. He delves into the significance of communicating and documenting wishes, the role of trust in estate planning, and the impact of financial decisions on family dynamics.
Brandon emphasizes the need for a comprehensive legacy plan to ensure that wishes are carried out and to avoid potential conflicts and regrets among surviving family members.
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Brandon discusses how fees can impact your retirement savings and the importance of creating a custom-tailored financial plan to potentially limit fees.
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The markets have recently hit new all-time highs, causing some concern about a potential crash. Brandon discusses the importance of having a long-term financial plan, especially those that have less than $1 million saved for retirement.
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Effective tax planning is important when it comes to retirement. Brandon highlights the potential changes in tax brackets and rates under the Biden administration, and explains the opportunities Roth conversions can provide when aiming to maximize savings and income in retirement.
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In this episode, Brandon discusses the potential risks and challenges in the current economic climate. He emphasizes the importance of being aware of the possibility of a market crash and the need to minimize tax implications.
Brandon highlights diversification as a key strategy, with a focus on developing a comprehensive financial plan that aligns with individual goals and objectives in retirement.
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Social Security has 678 ways to file and over 2,000 rules to consider. This can cause confusion and many challenges when you begin planning for your retirement.
In this episode, Brandon shares three lesser-known rules about Social Security filing and why it’s important to understand these rules to maximize benefits. Also, Brandon explains why income plans need to be personalized in retirement and not rely solely on Social Security.
Ready to learn more about your Social Security benefits? Visit BowenWealth.com to start today!
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Annuities often have a bad reputation due to fees, generating a low stream of income, and locking up principal. However, higher interest rates have made annuities something to consider when building out an income plan for retirement.
In this episode, Brandon breaks down the concerns people have with annuities and why they can be a valuable and beneficial tool to generate income in retirement.
Ready to see if annuities are right for you? Visit BowenWealth.com to start today!
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Nick Saban’s wife Terry wrote to her husband “The 10 Commandments of Retirement” now that the legendary coach has called it a career. While the full list is still private, Ms. Terry did reveal some of things that Coach Saban has to abide by.
In this episode, Brandon shares what his commandments in retirement are and what he advises retirees to do to live their best retirement life.
Ready to plan for the retirement you’ve dreamed of? Visit BowenWealth.com to start today!
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Retirement can be a source of fear and uncertainty for many people. Retirees may face an identity crisis after walking away from work and struggle to find a purpose in their retirement years.
In this episode, Brandon discusses how aiming to define your dream retirement may lead to a mindset change of achieving financial independence and what that looks like for retirees.
Ready to plan for the retirement you’ve dreamed of? Visit BowenWealth.com to start today!
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Country Music star Cody Johnson recently shared with us how the “rush” and nervousness he experiences when going on stage helped him find his purpose. Nerves may often hinder us from taking the right steps to finding purpose during our retirement years, which could be costly.
On this episode, Brandon shares how being nervous about running out of money may ultimately prevent you from living out the retirement that you want. Hear about the importance of taking proactive steps when building out a custom retirement plan that suits your desires.
Ready to plan for the retirement you’ve dreamed of? Visit BowenWealth.com to start today!
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The top 20 airlines racked up $33 Billion in baggage fees last year. How much in fees came out of your portfolio last year? While paying fees in retirement is necessary, you don’t have to pay as much as you think.
On this episode, Brandon explains what types of investments could be hindering the growth of your retirement plan and suggests alternative options to minimize your plan’s expenses.
Ready to see how much in fees you’re paying in your current retirement plan? Visit BowenWealth.com for your portfolio review.
See omnystudio.com/listener for privacy information.
Hear a young woman’s reaction to taxes being deducted from her first paycheck at her first full-time job. Don’t be like Emmie Jackson and get caught off guard by the amount of taxes coming out of your first retirement paycheck.
On this episode, Brandon discusses the many tax strategies that people in or near retirement need to utilize to make the most of their retirement plan. Hear about the importance of not only having a tax preparer, but a tax planner to help maximize your savings.
Ready to optimize your tax strategy in retirement? Visit BowenWealth.com for your portfolio review.
See omnystudio.com/listener for privacy information.
Anew survey found the average person has 26 items of clothing that never get worn. 65% of people admit to having clothes with tags still on them! We all have a closet that could use some cleaning out, but it likely won’t have much effect on your future.
But what about your “financial closet?”
On this episode, Brandon speaks of the common to out-of-date findings he sees when running a portfolio X-Ray. Just like having 6 colors of the same shirt, he’ll often find redundancies like multiple fund holdings that carry the same investments, and similar to having clothes that don’t fit, you may have investments that don’t fit. You don’t dress like you did when you were 35, so why are you still invested like you were at 35?
Ready to refocus your finances toward the future? Visit BowenWealth.com for your portfolio review.
See omnystudio.com/listener for privacy information.
One checklist of what to do 5 years before retirement sums it up by saying, “Know what’s coming in, know what’s going out, and have a plan for taxes and healthcare.” It seems simple enough, but what could you be missing?
Charleston’s Retirement Coach, Brandon Bowen, digs deeper to sort through the “easy items” and “tough stuff” you need to address within your own plan.
Learn ways to identify and organize your financial needs, wants, and risks. Go beyond the basics and address income longevity, stock market risk, and sequence of return planning. Whether you have $500,000 or $5 million, take actionable steps to help avoid financial blind spots within your plan.
Visit BowenWealth.com to schedule time with Brandon and begin your personalized retirement gameplan.
See omnystudio.com/listener for privacy information.
On this episode Charleston’s Retirement Coach, Brandon Bowen, tackles the growing fear of rising taxes and how it could impact your retirement.
Learn why traditional savings like 401Ks might suffer from future tax hikes, discover how proactive planning across different tax accounts could reduce your tax burden, and hear ways to identify whether your advisor is costing you money while missing growth opportunities.
Visit BowenWealth.com and take action against the “taxman” and his plans for your savings.
See omnystudio.com/listener for privacy information.
“Moving on” has been a theme among some big names in sports, including Alabama football coach Nick Saban. We hear from Coach Saban and what made him realize it was time to move on to retirement, to the surprise of many Tide fans.
Brandon parallels the idea to the surprise for someone who finds out their advisor is moving on or retiring themselves. He shares the challenges that can come like being passed around to different junior advisors, or having to work with someone who doesn’t understand your goals and objectives.
As you move closer to retirement your needs change. At Bowen Wealth they can help you shift from growth to income and create strategies for the other areas you need to have covered in your later years.
Visit BowenWealth.com to learn ways to create a smooth transition into retirement.
See omnystudio.com/listener for privacy information.
If you made a New Year’s resolution, there’s a good chance you’ve abandoned it by now… about 43% of us do by the end of January! The main reason is that we’re not being held accountable by anyone to keep it.
In this episode, Charleston’s Retirement Coach Brandon Bowen talks about the ways he helps keep his clients accountable to their financial goals. Brandon shares how having a disciplined approach to your financial goals is crucial for retirement and his belief of how “discipline now can lead to freedom later.”
Explore the significance of accountability and the role of a comprehensive retirement plan to help create steady income during retirement.
Turn your financial resolutions into reality! Visit BowenWealth.com and take the first step towards building your retirement game plan in 2024.
See omnystudio.com/listener for privacy information.
In this episode, Brandon Bowen discusses crucial strategies to help you better prepare for your financial future and navigate the challenges of retirement.
Join as he discusses the TIAA (Teachers Insurance and Annuity Association of America) controversy, emphasizing the importance of a fee analysis to reveal hidden costs and enable you to make more informed decisions about your financial future.
Explore essential elements of a comprehensive retirement plan, from designing surplus income to covering expenses to reducing market risk. Brandon shows how a "boring" portfolio may be just the thing you need for a happy retirement.
If you're uncertain about your retirement plan, visit BowenWealth.com to schedule a fee X-ray on your portfolio.
See omnystudio.com/listener for privacy information.
Join Charleston’s Retirement Coach Brandon Bowen as he explains the art of creating a retirement plan that's both disciplined and dream filled.
Brandon shares how he prioritizes honest conversations with his clients so that he can understand their personal aspirations and better customize their individual financial plans.
From market crashes to unexpected windfalls, Brandon showcases how a living, breathing retirement plan evolves with your life. He gives insight into navigating the delicate balance between disciplined financial decisions while also allowing yourself the freedom to enjoy the retirement you've envisioned.
Whether it's a second home, a dream vacation, or a golf membership, visit BowenWealth.com to learn ways to better incorporate your dreams within your overall retirement strategy.
See omnystudio.com/listener for privacy information.
Join Brandon as he discusses crucial strategies to prepare for your financial future, especially in the face of rising inflation. From unexpected expenses to the impact of inflation on daily costs, he breaks down the complexities of retirement planning, especially for couples entering this next phase.
Discover why inflation is a critical factor to consider and how it can sneak up on your retirement expenses. Learn the significance of stress-testing your plan and the role of investments in the game of retirement.
Brandon shares actionable steps from investment strategies to addressing rising living costs, all in effort to help you understand how much you’ll be able to spend.
If you’re contemplating retirement but feeling uncertain, visit BowenWealth.com to learn more about navigating the evolving financial landscape.
See omnystudio.com/listener for privacy information.
In this episode, we delve into the concept and challenges associated with retiring early—a dream harbored by many.
Brandon shares his observations on clients who, despite having saved substantial amounts, hesitate to take the leap into retirement and not just because they fear running out of money…
Digging into the psyche of retirees, he unveils the mental barriers that hold people back like the identity crisis some face when contemplating retirement and how their attachment to work roles and titles can become a stumbling block, hindering the transition to a life of leisure.
Pre-retirees should ask themselves:
Does working one more year with a busy schedule really make a difference, when you can retire now, maintain the same income, but live life on your own terms?
The episode emphasizes the importance of stress testing financial plans, addressing risks, fees, and the need for a solid income replacement strategy.
If you’re contemplating retirement but feeling uncertain, visit us at BowenWealth.com and begin the conversation towards better securing your financial future.
See omnystudio.com/listener for privacy information.
In this episode, Brandon shares a recent exchange with a car mechanic, showcasing the dealership's commitment to transparency and customer safety. He uses the experience to point out the similarities between auto repair language and the complexities of financial advice, highlighting the fear and intimidation people often feel in both scenarios.
Much like the car owner's fear of deceptive mechanics, individuals often worry about navigating the complexities of financial advisors. The importance of transparency and a comprehensive risk and fee analysis becomes evident to help ensure financial confidence.
If you've been contemplating a second opinion on your financial portfolio, go to BowenWealth.com to start a conversation about securing your financial future with confidence.
See omnystudio.com/listener for privacy information.
Just as a Thanksgiving feast brings joy and fulfillment, your retirement should also be a time of happiness and abundance!
On this episode, Brandon draws the parallels between preparing a holiday feast and crafting a successful retirement income plan. Gather around as we discuss the “entrée” and “sides” for your financial future.
Just like a well-balanced meal, your retirement income plan should have various components. Brandon discusses maximizing Social Security, exploring fixed indexed annuities, alternative investments, real estate, and dividend stock portfolios. It's an array of flavors tailored to your specific situation, ensuring a steady income stream during retirement.
Connect with Brandon and his team at BowenWealth.com to begin exploring what key ingredients will help satisfy your retirement goals and dreams.
See omnystudio.com/listener for privacy information.
A tiny Georgia restaurant is in the news over the fee they’re charging customers who bring in unruly children. The story sparks a conversation about the fees you pay on your retirement savings…whether or not you know it.
Many investors have minimal understanding of the fees associated with their portfolios. Brandon highlights three common areas where fees hide and explains the hefty toll these hidden fees can take on your financial outcome.
If you're concerned about hidden fees eroding your retirement savings or curious about the true costs of managing your investments, connect with Brandon and his team at BowenWealth.com to start your journey towards financial clarity today!
See omnystudio.com/listener for privacy information.
Holiday candy has started piling up and the seasonal feeding frenzy has begun. But this time of year is not just about treats; it's also about tricks to make your money work harder!
Instead of feeling guilty about indulging, let's explore opportunities to make strategic moves for your finances…In this episode of Charleston’s Retirement Coach, Brandon Bowen discusses some key strategies to consider for end-of-year financial planning.
We hear from personal finance guru Suze Orman, who's looking at bonds as a potentially attractive investment in the current environment.
Brandon also shares an interesting perspective on how many people overestimate their willingness to endure market volatility until they're faced with red numbers in their portfolios. He also shares how he works to calculate the "income efficiency score" of his clients’ portfolios to measure how effectively they will generate income in retirement.
Connect with Brandon and his team at BowenWealth.com to learn how to calculate your retirement “income efficiency score.”
See omnystudio.com/listener for privacy information.
Many investors who’ve worked with financial professionals have longstanding relationships with their advisors, who’ve served them well during their working years. However, as they approach retirement, they might begin to question if they're still getting the service they need for this next phase of life.
In this episode, financial advisor and retirement planner, Brandon Bowen discusses how, just as your needs in doctors change, the type of financial advisor you need may also be different.
Even if you are fond of your current advisor, it is important to get a second opinion on your plan to understand what options you might have for creating income streams, filing for social security, and tax and legacy planning.
Connect with Brandon and his team at BowenWealth.com for a second opinion on your savings and investments.
See omnystudio.com/listener for privacy information.
In this episode, Charleston’s Retirement Coach, Brandon Bowen, delves into the perplexing world of bond market trends noting the current inverted yield curve and how it often predicts recessions.
But how does this affect your retirement savings?
Brandon offers a fresh perspective to understanding your portfolio by treating it like you would the temperature settings on your oven:
- Should you go low and slow with conservative investments?
- Embrace the middle ground?
- opt for higher-risk strategies for specific financial goals?
He explains ways to tailor your investment strategy, utilizing exclusive Market Guard portfolios, to help you achieve your unique goals while also working to ensure that your income needs are met.
Looking to build balance into your retirement accounts? Connect with Brandon and his team at BowenWealth.com, and start making your path to a fulfilling retirement.
#FinancialPlanning #InvestmentStrategies #RetirementPortfolio #InvertedYieldCurve #Recession #MarketTrends #MarketGuard #IncomePlanning #RetirementIncome #FinancialAdvisor #RetirementPlanning #FinancialMarket #BowenWealth #FinancePodcast #FinancialLiteracy #RetirementGoals #RetirementSavings #FinancialAdvisor #FinancialFuture #WealthManagement #RetirementPodcast #FinancialLiteracy #wealth #fyp #podcast #SouthCarolina #Charleston #CharlestonsRetirementCoach #RetirementGameplan
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In this episode, Charleston’s Retirement Coach, Brandon Bowen delves into what he calls "rocking chair regrets" and how he wants everyone to avoid them.
Through the story of a couple he knows, who postponed retirement only for the husband to pass away shortly after, he highlights the importance of making the most of your years while you have them.
Brandon also discusses the fears that keep some people in jobs they dislike and the critical role financial planning plays in retiring sooner and living life to the fullest. Discover how better Social Security strategies and income-focused portfolios can help make your retirement dreams a reality.
If you're feeling stuck in your job and dreaming of retirement, connect with Brandon and his team at BowenWealth.com, and start making those dreams a reality.
#RetirementPlanning #FinancialPlanning #RockingChairRegrets #EarlyRetirement #IncomePortfolio #SocialSecurityStrategy #SocialSecurity #FinancialAdvisor #BowenWealth #FinancePodcast #FinancialLiteracy #RetirementGoals #RetirementYears #FinancialEducation #RetireSooner #RetirementDreams #IncomePlan #RetirementSavings #RetirementIncome #RetirementPlanning #FinancialFuture #WealthManagement #RetirementPodcast #FinancialLiteracy #wealth #fyp #podcast #SouthCarolina #Charleston #BrandonBowen #BowenWealth #CharlestonsRetirementCoach #RetirementGameplan #FinancialAdvisor
See omnystudio.com/listener for privacy information.
Social Security is a vital part of retirement planning for many Americans. But with so many different filing strategies available, it can be tough to know which one is right for you.
In this episode, Brandon shares insight on how to find what Social Security filing strategy may work for your individual needs.
Brandon discusses the different factors to consider when choosing a filing strategy, such as your age, health, income, and retirement goals. He also explains how to avoid some of the common pitfalls of Social Security planning.
Before you file for Social Security, connect with Brandon and his team at BowenWealth.com, to begin the conversation about your filing options and building a retirement income plan customized to your goals.
#SocialSecurity #SocialSecurityFilingStrategies #SocialSecurityBenefits #IncomePlan #RetirementSavings #RetirementIncome #RetirementPlanning #FinancialFuture #WealthManagement #FinancePodcast #FinancialLiteracy #wealth #fyp #podcast #SouthCarolina #Charleston #BrandonBowen #BowenWealth #CharlestonsRetirementCoach #RetirementGameplan #FinancialAdvisor
See omnystudio.com/listener for privacy information.
The financial landscape is changing, and traditional market wisdom may not hold true anymore. In this episode, Brandon dives into the disconnect between the stock market and the economy and the importance of caution in your investment approach.
Brandon also shares the reasons he believes you may want to give annuities a second look. Annuities are often misunderstood but have evolved and now offer many compelling benefits for retirees, especially in today's economic climate.
Brandon breaks down the advantages of annuities compared to traditional low-yield bond funds, how they could provide principal protection with reliable growth (even in uncertain times), and their role in building a diversified retirement portfolio.
If you’re ready to build an income plan for your retirement, connect with Brandon and his team at BowenWealth.com, to begin the conversation today.
#IncomePlan #RetirementSavings #RetirementIncome #InvestmentStrategies #Annuities #FinancialEducation #RetirementPlanning #FinancialFuture #MarketTrends #PrincipalProtection #PortfolioDiversification #FinancialAdvisor #WealthManagement #FinancePodcast #FinancialLiteracy #RiskManagement #PortfolioXray #DiversifiedPortfolio
#wealth #fyp #podcast #SouthCarolina #Charleston #BrandonBowen #BowenWealth
#CharlestonsRetirementCoach #RetirementGameplan
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In this episode of Charleston’s Retirement Coach, we dive into the intriguing story of Nike's gamble with the Air Jordan line and how it paid off big time.
But when it comes to your financial future, should you rely on gut feelings?
For Brandon Bowen, the answer is a resounding no.
Brandon discusses how meticulous planning, a well-crafted income plan, smart investment strategies, and tax planning can help safeguard your retirement years. He also shares a heartfelt story about unexpected life events and the importance of having a solid financial plan in place to endure these kinds of rough waters.
Gain insight on ways to help secure your financial future and connect with Brandon and his team at BowenWealth.com.
#FinancialPlanning #RetirementPlanning #NikeAirJordan #FinancialFuture #InvestmentStrategies #IncomePlan #TaxPlanning #WealthManagement #BowenWealth #RetirementReadiness #RealLifePlanning #FinancePodcast #FinancialLiteracy #Retirement #FinancialStability #MoneyManagement #PlanForTheFuture #FinancialAdvisor #RetirementSavings #FinancialStrategy #SmartInvesting #FinancialSuccess #WealthPreservation #RetirementIncome #Nike #AirJordan #RiskManagement #FinancialEmpowerment #BrandonBowen #CharlestonsRetirementCoach #RetirementGameplan #FinancialPlanner #wealth #fyp #podcast #SouthCarolina #Charleston
Retirees are benefiting from an 8.7% increase in Social Security benefits due to the largest cost-of-living adjustment (COLA) in decades. But there's a catch – this boost can also push seniors into higher tax brackets, aka a "stealth" tax.
In this episode, Charleston’s Retirement Coach Brandon Bowen shares what stealth taxes are and how they could affect your retirement, while shedding light on steps you can take to help protect your money utilizing strategies like Roth conversions.
Brandon also explains the progressive tax system, debunks common misconceptions about tax brackets and provides insight on ways you may be able to reduce future tax liabilities through proactive financial planning.
Learn how to navigate the intricacies of tax-efficient retirement planning and make informed decisions to optimize your income while keeping Uncle Sam at bay.
Don't fall into the victimhood mentality – empower yourself with knowledge to optimize your retirement income. Connect with Brandon and his team at BowenWealth.com.
#StealthTaxes #RetirementIncomePlanning #SocialSecurity #TaxEfficientRetirement #FinancialPlanning #TaxPlanningForRetirees #ProgressiveTaxSystem #TaxBracketManagement #RetirementIncome #FinancialPlanning #COLA #RothConversions #FinancialAdvisor #RetirementStrategy #FinancialFuture #RetirementPlanning #RetirementGoals #TaxOptimization #RetirementSavings #RetirementStrategies #FinancialEmpowerment #FinancialChallenges #BrandonBowen #BowenWealth #RetirementReadiness #RetirementIncomeStrategy #CharlestonsRetirementCoach #RetirementGameplan #Retirement #FinancialPlanner #FinancialLiteracy #wealth #fyp #podcast #SouthCarolina #Charleston
In this episode, Charleston’s Retirement Coach, Brandon Bowen, takes you on a journey to understand the hidden fees that might be lurking in your 401(k) plan, which could impact your retirement savings more than you realize.
Join the conversation as he breaks down the startling statistics about fee misconceptions and the impact of high fees on your future income. Discover how seemingly minor fees can lead to significant losses over time and hinder your financial progress.
Utilizing real-life examples, Brandon shares insight to navigate these challenges while offering guidance to optimize your retirement strategy. Learn how to shine a light on your 401(k) plan, explore cost-effective alternatives, and make informed decisions that can potentially save you thousands of dollars.
Ready to uncover the truth about your 401(k) fees? Connect with Brandon and his team at BowenWealth.com.
#401kFees #RetirementSavings #HiddenFees #RetirementStrategy #FeeMisconceptions #HighFees #RetirementIncome #FinancialChallenges #CostEffectiveAlternatives #MaximizeRetirementSavings #FinancialFuture #BrandonBowen #BowenWealth #RetirementPlanning #RetirementReadiness #FinancialPlanning #Financialreadiness #retirementbudgeting #Retirementincomestrategy #CharlestonsRetirementCoach #RetirementGameplan #retirementplanning #retirement #financialplanner #financialliteracy #wealth #fyp #podcast #SouthCarolina #Charleston
In this episode, Charleston’s Retirement Coach Brandon Bowen delves into some of the crucial steps needed to ensure a smooth transition into retirement. Brandon shares valuable insights on how to avoid disappointment by adequately preparing for retirement, drawing parallels with NBA legend Charles Barkley's unfulfilled aspirations for his daughter's basketball career.
Discover actionable steps you can take to assess your financial readiness, develop a budget that ensures both necessities and leisure, devise a tax-efficient withdrawal strategy, and navigate the complex landscape of healthcare and insurance planning.
With Brandon's guidance, gain tools to create a comprehensive retirement game plan that leads you more confidently towards the retirement lifestyle you desire.
Connect with Brandon and his team at Bowen Wealth to begin your retirement journey.
#Financialreadiness #retirementbudgeting #Retirementincomestrategy #Healthcareplanning #CharlestonsRetirementCoach #CharlesBarkley #SirCharles #retirementexpectations #retirementdisappointments #RetirementGameplan #retirementplanning #portfoliobalance #retirement #financialplanner #financialliteracy #wealth #fyp #podcast #SouthCarolina #Charleston
On this episode, Charleston’s Retirement Coach Brandon Bowen shares insight to help navigate the ever-changing landscape of the stock market.
With market volatility and conflicting advice becoming more common, it's easy to feel overwhelmed and unsure about how to approach your retirement planning.
Brandon sheds light on ways to avoid the pitfalls of emotional decision-making and their unique approach for asset allocation using proprietary Market Guard portfolios at Bowen Wealth.
If you're concerned about market uncertainty and want to make informed decisions connect with Brandon and his team at Bowen Wealth and learn ways to increase balance with a methodical investment plan that works to minimize risk, while still allowing for growth and returns during retirement.
#fomo #fearofmissingout #fearofgettingbackin #marketworries #CharlestonsRetirementCoach #stockmarket #marketvolatility #retirementplanning #assetallocation #MarketGuard #portfoliobalance #minimizerisk #retirement #financialplanner #financialliteracy #wealth #fyp #podcast #SouthCarolina #Charleston
On this episode of Charleston’s Retirement Coach, we hear a clip from Brandon’s recent conversation with American conservative political commentator, author and activist Candace Owens, and the conversation they had about “Victim Mentality.”
Candace shares what she believes are the 3 things you can implement in life to overcome victim mentality, inspiring Brandon to ask:
- Did your portfolio go down 20% or more in 2008 or 2022?
- How have you responded so that you’re not a victim in the next major crash?
- How long will you blame the government and stock markets?
Brandon commonly sees this mindset hindering people’s approach to their investments, money management and retirement planning.
At Bowen Wealth, they help their clients find their own financial freedom by taking back the power over their savings and investments.
Connect with Brandon and his team at Bowen Wealth to learn ways you may be able to better protect your retirement.
#retirement #financialplanner #financialliteracy #wealth #fyp #podcast #victimmentality #CandaceOwens #SouthCarolina #Charleston
Financial advisor and retirement planner Brandon Bowen recently sat down with American conservative political commentator, author, activist, and television presenter Candace Owens to discuss, among other things, the role her grandfather played in her life and so much more!
Connect with Brandon and his team at Bowen Wealth to learn ways you may be able to better protect your retirement.
Over 90% of financial advisors do not last three years in the industry. Common reasons for quitting include lack of fulfillment, difficulty finding clients and burnout. Financial advisor and retirement planner Brandon Bowen has been in the business for over 15 years.
On this episode of Charleston’s Retirement Coach, Brandon explains what’s different about the approach that he and his team take at Bowen Wealth, which has allowed them to withstand the test of time.
Brandon also shares his recent experience of his daughter being in a car accident and the revelations it gave him on the planning he does for his clients.
Many spend their working years insuring things that are important: Life, Health, Home, Automobiles… Yet so many people Brandon meets have done nothing to insure what may be their biggest asset of all - their RETIREMENT savings!
For many, their biggest financial fears in retirement are:
- Running out of money
- A major market crash
- Long term health care
But they don’t realize the opportunities they might have to insure themselves from these events, which could in turn free them from these fears and worries.
Brandon does point out how insurance options are only a piece of the pie within your overall plan, but can help create:
- Protection from market crashes
- Income streams you won’t outlive, even if your account balance goes to zero
- Income that doubles if a health event prevents you from performing 2 of the 6 Activities of Daily Living.
- Creating a “DIY Pension”
When the next market crash happens, will you be sitting in the passenger seat feeling that all is lost?
Or will you be in the driver’s seat, knowing that you’ve built guardrails around your retirement savings and that you would be ok?
Connect with Brandon and his team at Bowen Wealth to learn ways you may be able to better protect your retirement.
Tired of phone scammers and telemarketers? The company Jolly Roger is fighting back by selling a phone bot that uses AI (artificial intelligence) to interact with the callers to the point that they give up. It’s an entertaining way to let technology deal with the frustration of spam calls.
On this episode of Charleston’s Retirement Coach, financial advisor and retirement planner, Brandon Bowen talks about common financial frustrations that have people seeking help from Bowen Wealth.
Those frustrations include:
- No PLAN for retirement, from current advisor
- Too much volatility & risk
- Fear of running out of money
- Keep getting passed off to another advisor at one of their “big banks.”
- Asking for a plan and hearing, “Oh, you are going to be fine!”
- Being told “We don’t do Social Security; you’ll have to call the SS office.”
Brandon talks about how he works to alleviate these frustrations by providing income plans, showing ways to reduce market risk, and creating tax-efficiency through Roth’s and other options.
If you’re frustrated with your finances, connect with Brandon and his team at Bowen Wealth and begin creating your own solutions.
In youth, “Cash is king.” In retirement, “INCOME is king!”
Financial advisor Brandon Bowen spends his days hammering this idea into the heads of pre-retirees and retirees. You must have an income plan in place, and it cannot be dependent on the market… Financial advisor Angela Sloan, reiterates this idea highlighting how the market is where you go for growth but is not a good income plan because you never know what it’s going to give you.
On this episode of Charleston’s Retirement Coach, Brandon shares ideas on building many sources of income with pensions, annuities, social security, retirement savings, rental properties, and other options through the real-life stories of his own clients and their experiences using a variety of tools.
If Social Security is your only source of protected income, you may need to find other ways to create a ROCK-SOLID income plan. It is up to you as to how safe you want it to be and every option has pros and cons, which is why you need to have many “buckets” utilizing different tools and placing a portion of your savings into each bucket. Purpose determines placement.
Ready to build your Retirement Income Plan? Connect with Brandon and his team at Bowen Wealth.
Last year, the Texas Rangers signed All-Star pitcher Jacob DeGrom to a 5-year, $185 million contract. Now, DeGrom is undergoing surgery that will not only end his 2023 season but may take him out of the 2024 season as well.
Adding insult to injury, the Rangers turned down the insurance policy on DeGrom’s contract because it was “prohibitively expensive” and are obligated to pay him $30M this year and $40M next year.
Putting too much money behind one investment can backfire when unexpected events occur.
Charleston’s Retirement Coach and Financial Advisor Brandon Bowen points out the comparable risks he sees retirees, and pre-retirees, take with their Retirement Income Plans, or lack thereof.
- Is SS your only protected income source?
- Are you depending solely on a large 401k or IRA?
- Is your plan to simply pull 4%-6% annually from your savings, with the hope that the markets AVERAGE enough to support the income?
If you answered “yes” to any of these questions, then you are at risk.
On this episode, Brandon shares ideas to help protect your assets from Sequence-of-returns risk, market downturns, and other unexpected events.
Begin building your Retirement Income Plan with Brandon and his team at BowenWealth.
Even successful comedians have problems letting go with the money they’ve earned. Sebastian Maniscalco talks about growing up in a middle-class family and, despite his success, the challenges he has spending his money.
Charleston’s Retirement Coach and Financial Advisor, Brandon Bowen speaks about the similar conversations he regularly has with his clients who are afraid of spending the money they’ve saved for retirement and how he helps them spend confidently with a plan that gives you permission to spend your own money….
Do you want to:
Take that big trip while you’re still able?
Buy a convertible or boat?
Build a pool or remodel your kitchen?
Pass money onto your kids and grandkids?
Let’s put the plan together! Share your goals openly with Brandon so that he can bring value and help you achieve the retirement you deserve!
Begin your Retirement Income Plan. Visit BowenWealth.com.
Major League Baseball has instituted a number of rule changes this year. The pitch clock, bigger bases, and the elimination of “The Shift” were all added to speed up the game. Retirement rules change all the time as well. On this episode, Charleston’s Retirement Coach and Financial Advisor, Brandon Bowen highlights one major tax rule change that’s coming. The “Trump Tax Cuts” expire in 2026. Brandon emphasizes the importance of understanding the current rules of the “game,” so that you can play to win! Brandon and his team at BowenWealth.com can help you run the “what if” scenarios to see how certain moves may benefit you and your estate plan.
Summertime means vacation time! But, before you board that plane, grab some disinfecting wipes. A former flight attendant gives “insider info” on how clean (or not) airplanes really are. On this episode, Charleston’s Retirement Coach Brandon Bowen explains that the same thing could be happening with your savings! A lot of retirement portfolios also contain dirt that could be costing you thousands every year. Find the “dirt” hiding in your accounts with a Portfolio X-ray from Brandon and his team at BowenWealth.com.
On this episode we hear from country music star Jameson Rodgers and how, even at the age of 35, he’s already thinking about what he hopes his legacy will be. Charleston’s Retirement Coach, Brandon Bowen, expresses gratitude to our military men and women and their families, while sharing the ways he helps everyone he works with move through the sensitive area of creating an estate and legacy plan, as well as insight to how he helps build confidence for those who’ve already been widowed and worry whether their money will last.
If you need help building a legacy plan into your retirement plan, connect with Brandon and his team at BowenWealth.com.
Author of “Rich Dad, Poor Dad,” Robert Kiyosaki recently spoke of the investment opportunities he sees in commodities in this economic environment. On this episode of Charleston’s Retirement Coach, financial advisor Brandon Bowen talks about moving money in your retirement savings plan towards protection and defense, and the common mistakes many investors make when trying to do so.
If you have questions about ways to change your investment strategy in the current economy connect with Brandon and his team at BowenWealth.com for your Retirement Gameplan.
Creating boundaries with your family, yourself, and Uncle Sam. Connect at BowenWealth.com. #Charleston #Retirement
Retirees want to have fun and travel but first, you must have this. Connect at BowenWealth.com. #Charleston #Retirement
Some online misinformation is laughable, but when it comes to your money it can be dangerous. Brandon shares a client request based on “bad internet info” and the lesson we can learn. Connect at BowenWealth.com.
High prices have consumers changing how they shop. Brandon applies this thinking to the difference between working with a big bank vs. an independent advisor. Connect at BowenWealth.com.
How much of your savings will you actually keep? If you haven’t planned for taxes, it will likely be a lot less than you think. Connect at BowenWealth.com.
In sports, the big guys get all the love and it’s often the same in the financial industry - the more money you have, the more attention you get. Brandon shares how he’s working to change that. Connect at BowenWealth.com.
The failures of Signature and Silicon Valley Bank have many asking, “is my money safe?” Brandon clarifies what is, and is not federally insured, plus ways to create safety yourself. Connect at BowenWealth.com.
We hear from Country Music Star Jason Aldean and the lessons he’s learned about having the right team around you, prompting Brandon to share what sets the team at Bowen Wealth apart.
Wall Street has enjoyed a recent rally, but some warn it won’t last long. Brandon talks about ridding yourself of “market emotions” in retirement. Connect at BowenWealth.com.
Most Americans have anxiety just thinking about finances, which may stem back to childhood. Brandon talks about helping clients overcome fear and find confidence to enjoy retirement. Connect at BowenWealth.com.
This year’s Big Game commercials cost $7 million for just 30 seconds.Your retirement will require more time. Brandon explains how he can help you navigate the process. Connect at BowenWealth.com.
Brandon shares his personal story on why he became an advisor, while emphasizing the importance to find an independent advisor, who’s working for you. Connect at BowenWealth.com.
The passing of Elvis’ daughter, Lisa Marie, has brought legacy planning to the forefront. Brandon shares what many don’t know about estate and legacy planning. Connect at BowenWealth.com.
The Tax Cuts and Jobs Act ends in 2026, increasing rates to what they were in 2017. Brandon shares ways to take advantage of the current tax landscape before it expires. Connect at BowenWealth.com.
Only 27% know how much they pay in 401(k) fees, which could add up to tens of thousands. Brandon talks about hidden fees he often sees and how to uncover them. Connect at BowenWealth.com.
As the debate of whether we’re in a recession continues, Brandon points out when you should break the rules that many advisors tell you to follow. Connect at BowenWealth.com.
If you could ensure the same pre-retirement income, with COLA increases, would you retire now? Brandon explains it can be done. Connect at BowenWealth.com.
One analyst projects the Dow may hit 40,000 in the next 12 to 18 months. Brandon wants you to realize the drop that could happen first. Connect at BowenWealth.com.
Brandon explains how “portfolio clutter” could cause you to lose thousands in annual retirement income. Connect at BowenWealth.com.
Brandon emphasizes that your account balance is not what will give you comfort. Instead, your true “magic number” is actually found in this. Connect at BowenWealth.com.
Media mogul Tyler Perry went through an audit that ended with him being owed millions, launching Brandon into personal stories on the value of a second opinion. Connect at BowenWealth.com.
As we’re living longer, so increases our chance to run out of money. Brandon shares ideas to create income surplus. Connect at BowenWealth.com.
Country star Jason Aldean shares an important lesson that reminds Brandon of an emotional conversation about the want and need to protect family. Connect at BowenWealth.com.
Brandon highlights some major money blunders he's seen retirees make, but you can avoid. Connect at BowenWealth.com.
Brandon highlights some major money blunders he's seen retirees make, but you can avoid. Connect at BowenWealth.com.
Brandon talks with Brad Jenkins, Creator of Market Guard™, about strategies to empower clients with a non-emotional approach to investing. Connect at BowenWealth.com.
Brandon talks with Brad Jenkins, Creator of Market Guard™, about strategies to empower clients with a non-emotional approach to investing. Connect at BowenWealth.com.
As the IMF warns that the worst is yet to come, investors wonder where to turn. Brandon shares how alternative investments could offer safer harbors. Connect at BowenWealth.com.
As the IMF warns that the worst is yet to come, investors wonder where to turn. Brandon shares how alternative investments could offer safer harbors. Connect at BowenWealth.com.
Brandon shares a real-life example of 2 siblings: one who’s down 30% this year, and the other who’s down only 2%. Connect at BowenWealth.com.
Brandon shares a real-life example of 2 siblings: one who’s down 30% this year, and the other who’s down only 2%. Connect at BowenWealth.com.
When making annual retirement withdrawals, many follow the “4% Rule.” Brandon explains why this rule may be outdated and ways to create more security around your retirement income plan. Connect at BowenWealth.com.
When making annual retirement withdrawals, many follow the “4% Rule.” Brandon explains why this rule may be outdated and ways to create more security around your retirement income plan. Connect at BowenWealth.com.
Many save to a 401(k), but don’t have a plan for when they need to start withdrawing from it. Brandon explains how he helps clients navigate the process, while pointing out areas where you need to be aware. Connect at BowenWealth.com.
Many save to a 401(k), but don’t have a plan for when they need to start withdrawing from it. Brandon explains how he helps clients navigate the process, while pointing out areas where you need to be aware. Connect at BowenWealth.com.
Several states are considering a tax on people who don’t carry long-term care insurance. Brandon talks about options that he believes are far better than traditional LTC insurance. Want to know your options? Visit BowenWealth.com.
Several states are considering a tax on people who don’t carry long-term care insurance. Brandon talks about options that he believes are far better than traditional LTC insurance. Want to know your options? Visit BowenWealth.com.
The fear of running out of money causes some retirees to worry too much, almost to the point of depriving themselves. Brandon shares ideas on how to find financial freedom. Need to figure out your spending “sweet spot?” Visit BowenWealth.com.
Colleges have announced the millions they’re spending on stadium upgrades, prompting Brandon to remind you of the upgrades your plan may need as you approach your goal line. Need a Retirement Playbook? Visit BowenWealth.com.
A recent airline passenger had to pay a $2,000 fee because they forgot to declare 2 breakfast sandwiches… But that’s nothing compared to the fees you may be paying on your own savings. Want a fee review on your investments? Visit BowenWealth.com.
Most don’t know the age you’re eligible for full S.S. benefits. Not only does the answer vary, but you could miss out on thousands by filing incorrectly. Brandon shares the worst filing mistake he’s seen as a lesson for all of us. Need help planning your retirement income? Visit BowenWealth.com.
The people who don’t have an estate plan are often the ones who’d benefit from them the most. Brandon shares consequences you may not realize you’re leaving to your heirs. Want to ensure your legacy? Visit BowenWealth.com.
Some financial experts say retirement savers need to just accept market volatility, but Brandon is saying “NO!” Need a second opinion on your savings accounts? Visit BowenWealth.com.
We had the “Dot Com bubble,” and the “Housing bubble”…are we headed towards the “Fed bubble?” Brandon explains why he thinks the answer is yes. Want ideas to protect your gains? Visit BowenWealth.com.
In fashion, that is... “Mom jeans” and “dad sneakers” are back in style, but when it comes to your savings, CDs and the 60/40 model are likely not your best bet. Worried your portfolio is outdated? Visit BowenWealth.com.
There are people who are rich, and there are people who are wealthy. Brandon explains the difference and the one thing the most successful people have. Ready to create your “wealth” plan? Visit BowenWealth.com.
The stock market is seeing a lot of losses; some say it’s the tech sector pulling everything down. As you approach retirement, you don’t have time to “hang in there” while it comes back. Ready to take the emotion out of investing? Visit BowenWealth.com.
A lot of us get hung up on “keeping our money liquid.” Brandon explains why liquidity can actually work against you in your retirement years. Need to check your “Liquidity vs. Stability” balance? Visit BowenWealth.com.
Thanks to low interest rates, unemployment is back down to pre-covid numbers. However, those low interest rates caused the market to go on a BENDER and the reset won’t be pretty. It’s time to assess your risk - visit BowenWealth.com.
There’s growing concern that current inflation could grow into something worse called ‘stagflation.’ Brandon explains what it is and the effects it could have on your 60/40 investment mix. Take the emotion out of investing, visit BowenWealth.com.
It’s not what you eat, wear, or pay your doctor that could drain your account in retirement. Brandon talks about managing the biggest expense you may face in the years ahead. Ready to create guardrails around your money? Visit BowenWealth.com.
Many say to adjust your portfolio in response to inflation, but you need to ensure that your income sources are inflation-protected as well. Brandon shares ideas on ways to prepare for longer periods of inflation. Worried about your buying power? Visit BowenWealth.com.
Brandon’s recent flat tire fiasco taught him that not all cars come with a spare tire, which is like having a retirement savings portfolio that doesn’t include a plan for when the markets crash… when, not if. Get a “spare” on your investments. Visit BowenWealth.com.
If you’re one of the many who will spend more in retirement than you did while you were still working, then you need to stop focusing on your net worth and start thinking about this instead. Worried you’ll spend too much? Visit BowenWealth.com.
After 22 seasons, Tom Brady is retiring at age 44, with $292 million…making the decision to leave his day job a bit easier than most. Brandon lists items you need to have covered if you’re thinking about retiring early. Connect at BowenWealth.com.
Rebalancing is especially important for older investors. Brandon talks about finding the “right mix” and the key area that determines the success of your portfolio. Connect at BowenWealth.com.
Whether it’s riding market highs or enduring stressful lows, it’s easy to get caught up in the emotions of investing. Still, you need growth. Brandon talks with Brad Jenkins, Chief Investment Officer of Market Guard™, about the strategy he’s created to empower clients with a non-emotional, methodical, mathematical approach to investing. Visit BowenWealth.com.
We all have things to check off our financial “to do” lists, but one to prioritize is taking a second look at how you plan to withdraw from your retirement accounts. Brandon explains what he thinks the biggest threat to retirees today is, and why it’s so important to have the proper withdrawal strategy within your plan. Connect at BowenWealth.com.
If you’re 3-5 years from retirement and are still taking 70% risk with your portfolio, Brandon has one question for you, “Why?” For many, the biggest risk for failing in retirement is that you’re taking too much risk. Want a second opinion on your savings plan? Connect at BowenWealth.com.
Are YOU the neighborhood Grinch? Brandon calls out one very obvious house in Charleston that seems to be lacking in holiday spirit. Also, with all the talk about a major stock market correction coming, should retirees move into a protective mode? Brandon shares the strategies he’s implementing to help protect his clients, and how you could benefit from them as well. Worried about your market investments? Connect at BowenWealth.com.
Brandon recently had the chance to meet world renowned opera singer Andrea Bocelli at his private home in Miami! On this episode, he recounts the events of that evening, the conversations he had with Andrea’s wife and daughter, and his own takeaways on the importance of us all creating a living legacy plan for ourselves and family. Connect at BowenWealth.com.
Rather than face unvaccinated kids in less-than-ideal social distancing conditions, many Santas have hung up their boots and retired causing a shopping mall Santa shortage this holiday season. But are they prepared financially? Brandon talks about some important areas you need to consider to really know. Wondering if you can retire early? Visit BowenWealth.com.
Airline customers are waiting longer on the phone. Hotel rooms are going uncleaned. Restaurant diners are not returning after bad experiences…“Skimp-flation” is affecting all consumers, but how can you keep your retirement safe from skimping? On this episode, Brandon talks about the ways he works to go the extra mile for his clients. Looking for a more personal financial experience? Visit BowenWealth.com.
The fear of missing out is alive and well for today’s market investors, but greed can come back and bite you pretty fast. Looking for a balance between growth and protection in your own portfolio? Visit BowenWealth.com.
If you’re planning end-of-year charity donations, there’s another way to make your contribution that you may not know about which could also help further reduce your tax obligations. On this episode, Brandon explains how this option could work for you. Connect at BowenWealth.com.
NFL Hall of Famer Mike Ditka reflects on how growing up in coal-mining Pennsylvania is what taught him that saving early equates to retirement money later. In this episode, Brandon talks about how folks he works with often have similar mindsets and explains why many of us have difficulties managing our accrued wealth as we approach our retirement finish lines. Ready to transition from your accumulation phase to your distribution phase? Visit www.bowenwealth.com.
MLB playoffs are underway. Surprisingly, the strategy that’s involved in baseball is similar to a strategy that can help improve your retirement. Brandon explains the importance of shifting your financial mindset as you transition into the different financial seasons of your life. Want to know about winning when the markets are up, and not losing when their down? Visit www.bowenwealth.com.
Democrats have begun molding bills that would raise taxes to pay for the Biden Administration’s spending plans. Brandon talks about why he anticipates bad news to come regarding our taxes in retirement, and highlights the need to start tax planning now. Do you have a retirement tax plan? Visit www.bowenwealth.com.
Social Security is upgrading online statements to now include your expected payment each year from age 62 to 70. Brandon shares some client experiences on determining when best to take Social Security, plus ideas on how to fill the income gap for those who decide to delay. Do you have a Social Security strategy? Visit www.bowenwealth.com.
There’s a reason why McDonald’s seems to have such a problem with broken ice cream machines. On this episode, we share that intel and Brandon explains how one big problem in your retirement plan could also create a trickle-down effect, causing the whole thing to breakdown. Avoid a McBroken retirement, and visit www.bowenwealth.com.
When your car engine isn’t operating efficiently, you do something about it. But what about your IRA? 34 million of us could *improve* our 401(k) just by lowering the *fees* we’re paying. Brandon shares ideas on ways to “tune up” your retirement account. Worried your retirement plan is lacking efficiency? Visit www.BowenFinancialGroup.com.
25% of workers don’t ever want to stop working, but even these people need to have a plan. Brandon explains the importance of having a “retire to something” mentality. Plus, the 4 critical areas everyone needs to have covered for their retirement years. Does your plan include these items? Visit www.BowenFinancialGroup.com.
There are four basic questions that people commonly ask financial advisors. On this episode, we list them out and Brandon shares how he responds to concerns about news headlines, income, and legacy planning. Got retirement planning questions? Visit www.BowenFinancialGroup.com.
On this episode, Tim Tebow admits he’s a big believer of "bucket strategies." Plus, if you’re close to retirement, is The Great Resignation a movement in which you should participate? Begin your exit strategy plan, and visit www.BowenFinancialGroup.com.
“Rebalancing” is a term that financial advisors use a lot, but why do we need to do it? Brandon talks about how to know when to rebalance, and how to do it. Worried about the risk you have in your retirement savings? Visit www.BowenFinancialGroup.com.
89% of 401(k) savers wish they had an annuity option in their savings plan, still most plans don’t offer them. Brandon explains ways to create your own guaranteed income streams for retirement. Learn how to create a “DIY pension.” Visit www.BowenFinancialGroup.com.
There are 678 ways to file for Social Security…Translation - Social Security is very confusing. Brandon talks about the 2 biggest SS mistakes he sees people make, and shares ideas on how to avoid these mistakes yourself. Want a complementary Social Security Maximization Report? Visit www.BowenFinancialGroup.com.
Former major leaguer Bobby Bonilla has been retired for 20 years… and yet, he still gets a $1million check from his old team every July 1st, which is why many now call it “Bobby Bonilla” day. Brandon explains ways to create this kind of income plan for yourself. Learn more about retirement income consistency at www.BowenFinancialGroup.com.
Only half of investors routinely rebalance their retirement portfolios. Brandon explains why this practice is critical, particularly for retirees. Need help rebalancing your accounts? Visit www.BowenFinancialGroup.com
President Biden says he want to put a retroactive tax on capital gains to April of 2021. Is there any way to plan for this kind of taxation? And the 1 expense you may never have, but is incredibly expensive if you do. Plan for LTC in a way that won’t waste your money. Learn more at www.BowenFinancialGroup.com
You save and dream about life after you leave the working world behind, but how do you figure out when you can really, really afford to retire? Brandon talks about some “check-list” items you need to address, and the importance of “thinking ahead.” Learn about your “retirement time-frame.” Visit www.BowenFinancialGroup.com
Phil Mickelson broke records when he won the PGA Championship at age 50 and walked away with $2 million… until Uncle Sam took half of those winnings back to Washington. Brandon talks about the details of this devilish deal, and how you too can suffer from the “Uncle Sam Effect” on your retirement accounts. Want to learn ways to reduce your taxes in retirement? Visit www.BowenFinancialGroup.com
Cash is no longer king. It’s income that will determine your future happiness. But how much money can you safely withdraw from your retirement accounts? Brandon shares ideas on ways to create the streams you’ll need. Does your retirement plan include a written income plan? Visit www.BowenFinancialGroup.com
So what should you look for in a financial advisor? Do you need one if you've been successful on your own? Brandon explains his style of his advising and tells a story of a client who was successful before he joined on with Brandon and how he helped them achieve even further success.
So now that your paycheck is stopping after you retire, what do you do? Brandon tells of the good that lays the golden egg and how to keep that steady stream of income going as you enjoy your retirement.
On this episode, Brandon sat down with the country band, Little Big Town to talk about money. They talked about their long-time financial advisor and how they have built up a trust with him over the course of their career. And this leads to the conversation about how important it is to have a trusting relationship with your financial advisor.
When you need to get financial advice, where do you turn? A friend, a brother in law or the internet? Sure that could be a short-term, high-risk idea, but you should trust a financial professional. Brandon explains why you should trust a professional and fill you in on how he goes about making a plan for you.
If the pandemic has taught us anything, it's that we experienced volatility and how that added an extra headache to our daily lives. But do you know how volatile your portfolio is? You're not alone if you don't know. Brandon talks about how many people don't realize how volatile their portfolios are. And you can find out how to figure out how volatile your portfolio is by using a new tool called "Riskalyze."
Now that the weather is nice and Spring is here, have you thought about Spring-cleaning your portfolio? Maybe it's a good time to do that. Brandon explains this as well as taking a challenge to replace your paycheck once you retire. When you do retire, that paycheck goes away. But, what if you have a strategy that will replace that paycheck once you retire? Brandon shows you how and helps develops strategies to fit your personal needs.
Wouldn't having a crystal ball to predict the ups and downs of the market be a great tool to have? Of course. But it's pretty unrealistic. On this episode, Brandon poses a scenario of how you could have your own crystal ball to downsize your risk in the market. But greed should not be in your future.
When we think of stress, it usually isn't a good thing. But what about stress in your portfolio? Sounds like it's a bad thing doesn't it? But what if you purposely put stress on your portfolio? You might find out some good things. Brandon discusses how putting stress on your portfolio can actually help you in the long run in achieving a successful retirement.
On this episode Brandon and I discuss his father's hard work as a farmer and how that affected his career choice of becoming a financial advisor. Also, we will discuss the relationships with his current clients.
So, do you have an Estate Plan yet? At what age should you have one? In this episode, Brandon explains when to start making an Estate Plan and what very important scenarios you should be avoiding. He will tell a story about how one tore a family apart by not being prepared.
Are you actively looking at your portfolio? Many people fail to take a look at it on a regular basis. But what are you missing if you're not looking at it? What's your risk? Maybe the risk is backwards? Brandon explains what the backward risk is and tells a story of one of his clients' risk and how he righted the risk into a successful portfolio.
Are you familiar with the 4% rule? Brandon explains what it's all about and how that will affect your future retirement. Also, what is The Monte Carlo Simulation? Yes it's a car, but maybe this system will help you on your road to retirement.
Are you prepared for future tax hikes in your retirement? Maybe you're procrastinating. That's not uncommon, but of course that will create problems, especially if you want to save money on taxes in your retirement. Brandon shows you the numbers with your taxes and tell you about some of the tax strategies you should be making, including Roth conversions.
It's human nature to procrastinate. But what happens when you procrastinate with your retirement? And what if you have too many financial accounts? All important question to answer. Brandon explains and helps you resolve your issues with these questions.
So, you've saved a large amount of money for your retirement. That's great. So, how do you keep it from being overtaxed by the government if you're worried about a tax increase in the future? Brandon explains strategies to keep as much away from the government and more in your account.
Do you have a lot of cash just sitting in the bank doing nothing? You're not alone. Many people are hoarders because of fear of the unknown or even not sure what to do with it. Brandon offers his advice on what you can and should do with it. Also, all this hoarded cash quite possible could help you retire earlier than you anticipated.
When the DOW hit an all time high recently, is it time to seriously think about the risk you're taking in the market? Should you leave your money in the market or should you scale down your nest egg? Brandon explains what your options are.
Many people handle all their financial decisions. And that's okay. But are you totally confident that you know everything there is to know about it? Would you install your own swimming pool or a palm tree in your yard with minimal knowledge of how to do that? Brandon talks about why you should hire a professional to manage some, if not all of your finances. And how it's important to avoid major financial mistakes.
You've worked had for your retirement nest egg. Can you trust a young financial advisor? Why would you? Brandon explains that it's simple...technology. He'll also delve into the reasoning for this and how it makes sense.
You've probably heard the "Annuities" word thrown around, especially if you're in or nearing retirement. If you've struggled to fully understand them, Brandon will help guide you through what they are and what they do as well as as the good and bad. Who are they good for and who they work best for. It's a simplified lesson on
It was a looooooong election season, but we all unite knowing the political ads are finally over! Brandon shares his positive thoughts about coming together as a country and moving forward. Plus, a real-life story that reinforces how a fresh perspective could change your financial outlook… Especially when it comes to taxes and your retirement portfolio.
In the fall of 1986 President Reagan signed a major tax reform bill into law that lowered the top income tax rate from 50% to 28%. Since then, Congress has raised the top rate to 37% - And considering our deficit and the pandemic, more hikes are likely coming. Add in the possibility that taxes will rise if there’s a “blue wave” and Democrats win the presidency, House, and Senate in November… Then we’re left with the perfect tax storm after the election. Brandon isn’t focused on the politics… Only the facts and filling you in on the steps you can start taking today to be more tax efficient with your portfolio.
Surly we’ve all felt some regret in our life after purchasing a car, home, vacation or maybe even electronics. Buyer’s remorse can have serious consequences — not just anxiety. On this episode, Brandon explains how he helped a couple work through the buyer’s remorse they were feeling about an annuity they acquired years ago from another firm. Annuities aren’t always bad... but listen to find out what “lemons” to watch out for with your portfolio.
After trying to watch the 1st presidential debate, many of us feel less informed than ever. Brandon isn’t concerned about who you vote for or why. He’s a financial advisor that is only focused on how the election might impact your bottom-line, especially when it comes to taxes! On this episode he explains how to proactively be tax efficient with your portfolio… regardless of Trump or Biden winning in November.
After Brandon passes along a brief checklist of what to consider before trying to pull off a forced or voluntary early retirement… You may need a tissue. He shares how he recently helped one couple address a very common worry: Running out of money. When you hear their story and why that fear became so urgent for them, you’ll better understand why Brandon takes so much care, concern and pride in helping people like you retire as confidently as possible.
What would you sacrifice to be able to retire early? Your mind will be blown when you find out what 8% of Americans said they would give up to stop working 10 years sooner than planned! Plus, we’re all focused on how the candidates plan to address taxes and our deficit. Either way the election falls, it’s likely that Uncle Sam is going to take a MUCH bigger bite out of our money for taxes in the future. Brandon simplifies how you can plan in advance to be more efficient when that day comes.
Lawmakers in California are not only trying to increase their income tax rates; they’re also proposing what could bea first-in-the-nation wealth tax! If they get away with it, other states will likely attempt the same. With such a heated election pending in November, Brandon discusses how the outcome could directly impact your wallet… but doesn’t have to. Listen to find out the numbers you CAN control… and how to NOT let politics dictate your financial future.
After passing along a simple way to back down our COVID-19 weight gain, we focus on how the virus is impacting the paychecks of many American workers. Unfortunately, October is expected to be tough for businesses that have been hit hard during the pandemic. That’s when some of the payroll protection provisions under the CARES Act expire, which means a new wave of layoffs are coming. Brandon passes along proactive steps for those near retirement to take who are concerned their job could be in danger.
Since the U.S. economy recently experienced its worst drop on record, Brandon highlights how and why you need to create your own income plan. Find out how to take back control of your hard-earned money, and make sure your personal economy is moving in the right direction… so that you can pay yourself when you stop working! Plus, a recent survey found that Americans haven’t been this unhappy in about 50 years… but have no fear, Captain Positive Brandon Bowen is here with some good news!
After hearing the romantic and thoughtful story of how Brandon popped the question, and how prepared his wife was for their beautiful wedding 16 years ago… We contrast that with the amount of time we should planning our financial future. Brandon also explains how retirees can avoid some of Uncle Sam’s “tax traps” and be efficient.
We all realize that Washington will probably raise taxes eventually to pay for all of the stimulus spending. However, many of us may have forgotten that our state and local governments are hurting for money too. Lockdown orders and layoffs deprived many states and cities of 2 valuable sources of revenue: Income taxes & sales taxes. While addressing recent concerns some clients had, Brandon breaks down what you can do TODAY to be as tax efficient as possible with your portfolio.
Great news sports fans! Yes, it’s a shorter season… but MLB is here! If you’re a fan, you may remember that Bobby Bonilla hasn't played professionally in about 20 years. Since 2011 the Mets have been cutting him a yearly check for over$1 million and will until 2035. Bonilla brilliantly put off immediate satisfaction and opted to defer his contract buy out. Therefore, he has more than sufficient income during his retirement. Brandon explains how to use the money YOU’VE put away to create an income plan for yourself when you stop working.
It’s hurricane season, and if you live in the Lowcountry… It’s no secret that a direct hit from a hurricane can ruin what you’ve worked so hard for. When you’re in or near retirement, taxes are pretty much a category 5 threat to your portfolio all year. Brandon talks about why taxes will likely go up when you stop working, and how you can take advantage of the limited time we have to prepare now!
Charleston thrives on hospitality and tourism. From Boeing to hotels, restaurants and airlines… the entire travel industry has been hit particularly hard from the economic downturn. Unfortunately, this has resulted in layoffs and early retirement packages for millions. Brandon explains how to deal with this tough situation, and how to plan in advance for the “what ifs” of life.
With all of the unrest in our current day to day lives, many claim they’re too busy to worry about issues such as their investments. Brandon reminds us that if we don’t prepare for the “what ifs” of life (health issues, forced early retirement, economic downturns and etc), our future is at risk of being derailed. Being the positive guy he is, Brandon explains how a personal journey he went through is a great reminder of how a good coach and a prudent plan can make what feels overwhelming and impossible… Possible!
Capitalism is the greatest engine for prosperity and innovation! However, considering the coronavirus pandemic and the stimulus packages that followed… capitalism is probably going to change in our great country moving forward. The national debt is soaring, and Uncle Sam doesn’t typically spend less to fix that. We’ll be paying higher taxes in the future to cover it all. On this episode Brandon explains what you can do TODAY with your investment accounts to start being as efficient as possible with taxes on your portfolio.
When it comes to Social Security, figuring out some the acronyms and terminology can be confusing. On this episode we make understanding the phrases we hear most often a little fun. Brandon gives a very simple explanation of each term, and the reveals the 3 facts you must know about Social Security and your money!
After discussing how we’re all cooking and baking more with this time at home, Brandon addresses how many “experts” say the economic downturn is a buying opportunity for stocks. He explains how that’s not necessarily true for Baby Boomers, and how to make sure you aren’t missing what should be the main ingredient of your portfolio.
If you’ve been offered an early retirement buyout from Boeing or another great company, you’re facing with some tough decisions. Yes… Your financial future could be much different than you expected, but not necessarily. On this episode Brandon encourages you to NOT rush into a decision that will impact you and your family for the rest of your life and explains how to step back and weigh your options. Plus, if you’re mourning the loss of your sports, you’ll enjoy finding out about a new sport you can watch online with the whole family!
After Brandon & Kristen discuss making the best out of life at the moment and what we’re spending more money on, we spotlight how important it is that your communication style matches your financial advisor. Plus, if you’re judging the performance of your portfolio solely based on the rate of return, Brandon explains that you’re missing the boat if you’re not also considering the fees you’re paying!
50 years ago, during the Apollo 13 mission we first heard the infamous quote: “Houston we have a problem.” People often repeat that saying when dealing with a sudden or dramatic dilemma. Just as the crew of the Apollo 13 mission did, Brandon discusses why we need to be calm, responsive, and realistic yet optimistic as our lifestyle and economy changes due to the pandemic… And how to stay on course!
Taking a much-needed break from the news, Brandon discusses some of the fun “essential needs” during this time at home with family. And since he completed his honey-do list, he confesses what he finally took care of in his personal life that we all need to create or update: An estate plan!
Embrace this break from the headlines as Brandon shares some exciting news about one of our neighbors here in the Lowcountry! Plus, he explains the GOOD NEWS about how the stimulus package impacts you… And if you don’t need the money right now, find out the new options that are only available during 2020 for your retirement accounts.
The market has been so erratic that many of us would prefer to keep our distance if we could. On certain days, many have been wondering if they should make big moves like going to cash. Before you do anything, take a deep breath… and listen to why Brandon feels it’s not time to panic… But it is the perfect time to realize what you can control and be doing NOW to prepare for what’s to come.
The closing numbers of the Dow and NASDAQ on Friday wrapped up U.S. markets’ worst week since the 2008 financial crisis. Brandon explains what soon to be and current retirees need to be focused, and shares some good news we all need to hear!
There was a major market nosedive this past week in reaction to the Coronavirus, and Wall Street hit the brakes. Brandon discusses the concern we all have: Could this global pandemic cause a recession and harm our financial future? – And more importantly, how you have more control of the economy inside the 4 walls of your home than you may realize.
A significant rise in Coronavirus cases triggered an economic fallout on Monday February 24th, sending the Dow Jones industrial average down 1,000-plus points… the third-largest single-day drop in market history! If you’re like many investors, you reacted by checking your investments and 401(k)s. On this episode Brandon discuss how you should react to events like this, and how to plan around these unexpected things possibly draining your portfolio.
Since we aren’t CPA’s (and find other matters more enjoyable), most of us don’t have a lot of knowledge about tax laws… Especially since they seem to change frequently! Using down to earth language, Brandon explains how taxes can affect the future of your investments, and how the SECURE ACT impacts not only your retirement money… But perhaps your kids too!
Most of us are loyal to a few name brands instead of opting for the less expensive generic options. It could be cereal, coffee or even a specific brand of shoes? On this episode, Brandon tackles a much pricier and dangerous dilemma: Can generic rule-of-thumb advice damage your financial future?
A recent national study revealed that when the paychecks stop, $1 million should fund a 22 to 23-year retirement in Charleston, SC. Brandon has been a financial advisor in the low country for many years, and on this episode he explains why this study isn’t necessarily true, and defines the 5 steps to retirement you should be focused on.
The travel industry is notorious for “nickel-and-diming” customers, and on this episode, Brandon explains how that’s often true of many 401(k) accounts too. Plus, with Bosch recently announcing they’ll be eliminating hundreds of jobs in Charleston over the next year, some are concerned about a forced early retirement. Brandon tells the story of how one employee is proudly taking more control of his future!
Congress passed, and President Trump signed the SECURE Act into law at the close of 2019. It will eventually affect most retirement savers in some way. Is this good or bad for your retirement? Brandon reveals what the changes in the required minimum distribution (RMD) age and inherited IRAs mean for you and your family.
When it comes to resolutions, we all approach the New Year from a different perspective… but we share the common goal of doing something better in 2020. On this episode, Brandon addresses why it’s vital that you resolve to be more focused on what’s really happening with your portfolio all year long, especially when it comes to taxes!
You’ll enjoy getting into the Christmas spirit by hearing Brandon’s daughters talk about what this season means to them. Brandon discusses the joy of giving… and the honor he has of telling many of his clients that they often budgeted to give more to themselves to create special memories with loved ones in retirement.
Hard to believe that we’ve been enjoying Christmas with the Griswold’s for over 30 years… but will we have enough money to enjoy 30 years of retirement? On this episode Brandon explains that with the right planning, you can create an income plan that allows you to enjoy those 20 or 30 years of retirement with confidence… And not with cousin Eddie!
2019 is coming to a close, and it's a great time to review your tax situation and possibly make strategic changes to your retirement. Since we only have a few weeks to make sure you don't get hit with a tax penalty, Brandon explains how to make these weeks count.
Understanding what you're paying for your investment accounts is the first step to making the most of your retirement savings. Brandon brings this reality to light by explaining how he helped a widowed client reduce her investment fees by about $25,000 a year, and how she now has the freedom to spend that money on purpose!
A couple Brandon recently sat down with is facing a common dilemma many relate to: They’re in their early 60’s, they’ve worked hard, saved and invested well, got rid of all of their debt… But out of fear, they’re putting off treating themselves to a few reasonable rewards. Brandon reminds us that we only have a few weeks left in this decade, and with the right planning, we need to make the most of every moment moving forward.
With another year flying by, Brandon address what you need to be doing now to be tax efficient with your retirement in 2020… and beyond.
Currently, many of us are obsessed with fall and the pumpkin spice life that comes along with it! And the news media is absolutely obsessed with the idea that another recession may be on the way. Today, Brandon explains what all of this chatter truly means for your money, and what you really need to be watching out for concerning your portfolio and the future of your retirement.
The Federal Reserve’s decision to cut interest rates is a double-edged sword. Lower rates do mean cheaper loan options, but today Brandon explains how this cut can negatively impact the future retirement of soon to be and retirees.
September of 2008 was an especially scary time for investors. Thankfully 11 years later, our portfolios are doing pretty well! But could something like that ever happen again? Brandon certainly isn’t a doomsayer, but the answer is YES! The bigger question is… how will your portfolio handle the next crash? Today Brandon explains why it’s vital to make sure your investments are properly diversified. Remember: “Those who do not learn from history are doomed to repeat it.”
During hurricane season, the Lowcountry keeps a watchful eye on what the tropics could bring ashore. Thankfully we have advanced weather predicting technology, but we all know the forecast can change in an instant. Keeping your family safe and protecting your home requires focus and preparation. This week, Brandon explains how similar provisions should be made to your portfolio to help protect your retirement from the unpredictable forecast of wall street.
Recently Brandon took part in an epic endurance challenge that was physical, mental and spiritual. He attempted to climb the equivalent of Mt. Everest. Although he was just shy of conquering Everest, this challenge inspired him in ways he never imagined. Without the coaching he received along the way, he wouldn’t have been able to achieve what he did… Reminding us all that we need a good coach to help us win in retirement!
Monopoly is a very competitive board game. Almost every family breaks out the box once or twice a year, but it can cause some minor arguments. Then there’s that other family member, “Uncle Sam,” who wants his share from all of us (on & off the Monopoly board). Today, Brandon explores the lessons we can take away from Monopoly and how to help minimize the taxes you pay on your realmoney!
If your response is YES to either of these sentences, you need to listen to this episode:
- Are you or someone you know age 66 - 70 and have NOT started Social Security yet?
- Are you or someone you know turning age 66 in 2019?
If YES was the answer to either question, Brandon explains why you or a loved one could be missing out on some major retirement income you’re entitled to… and how to avoid that mistake.
What makes you nervous or anxious? Maybe public speaking or heights? A recent survey finds that 60% of Americans feel anxious when they think about investing in the market… and they’re reluctant to invest because they worry about a potential crash. Brandon explains how you can remedy some of your investment fears and tackle other common retirement concerns. And you’ll neverbelieve what Brandon has an irrational fear of! Here’s a hint: It isn’t financial… but it is funny and embarrassing!
We use bubble wrap to protect fragile items, and occasionally pop for fun! Wall street is on a 10-year bull run, but it hasn’t always been straight up. We’ve experienced volatility that has some investors wondering if it’s time to bubble wrap their investment portfolio. Brandon explains why you may want to consider making some changes and diversifying your portfolio for the long-term.
What if you could figure out how to strategically boost your chances of winning the lottery? On this episode you’ll find out about a couple who did just that, but more importantly Brandon will explain how you can improve your odds of succeeding when it comes to creating your own winning retirement!
The most magical place on earth is also one of the busiest tourist destinations in the world. Seasoned visitors, such as Brandon and his family, know how to work their way around crowds with a few simple hacks. Navigating your way through your investments can be equally frustrating, if not more. To make your life a little easier, Brandon shares Disney and retirement planning hacks that can possibly ease some of your frustrations.
Fidelity says fewer than 1-in-5 Americans have a written plan for retirement. By telling the story of a couple he recently worked with, Brandon explains why this planning can be overwhelming for both the middle class AND multi-millionaires. Find out how having a clear written plan is vitally important to accomplish your personal goals, and to resolve those overwhelming feelings.
Brandon answers and email question, one that’s very common in his office: Where should we pull money from for home improvements? Considering the market reaction to trade tensions with China, Brandon explains what that means for you and his clients. Plus, an uplifting story of a single woman who put off making portfolio changes until months ago, but now feels confident she can retire in a few weeks!