Retire(Meant) For Living Podcast: Recent Episodes

JoePat Roop

Retire with confidence with the Retire(Meant) For Living Podcast with JoePat Roop.

JoePat Roop is Founder, CEO and Chief Investment Strategist at Belmont Capital Advisors, and he's been helping people build successful retirements for over 25 years. His One Page Retirement Income Plan is a simple, yet effective way to ensure that you have the income you need to retire comfortably.

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Learn more online at Belmont-Capital.com or on social: Facebook, Instagram and LinkedIn

This week, JoePat Roop discusses the critical importance of proactive retirement planning and the dangers of procrastination. He emphasizes the need for a comprehensive retirement income plan, including strategies like Roth conversions and custom pension plans. The conversation also covers the role of annuities in providing guaranteed income and the common mistakes retirees make. Listeners are encouraged to take action and seek professional advice to secure their financial future.

For more information or to schedule a consultation call 704-946-7000 or visit BelmontUSA.com!

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In this episode of Retirement For Living, JoePat Roop discusses the importance of trust in retirement planning, emphasizing the need for a clear process to build that trust. He highlights the significance of income in retirement, suggesting a combination of Social Security and annuities for financial stability. The conversation delves into the pros and cons of different types of annuities, particularly fixed and variable annuities, and the importance of understanding their fees. JoePat also addresses the topic of debt in retirement, explaining that while some debt can be manageable, it ultimately depends on individual circumstances. Finally, he stresses the necessity of preparing for unexpected expenses and having a solid financial plan in place.

For more information or to schedule a consultation call 704-946-7000 or visit BelmontUSA.com!

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JoePat Roop recently sat down with Duane Allen, the lead singer of the iconic country gospel band, the Oak Ridge Boys. They discuss the band's legacy, Duane's personal experiences in the music industry, and reflections on retirement and continuing to perform. The conversation highlights the importance of enjoying life and the challenges of transitioning in the music world, especially after the loss of band members. Duane shares insights into the band's future plans and their ongoing commitment to their fans.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com!

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This week, JoePat Roop discusses the various roles within financial services, emphasizing the importance of understanding the differences between financial advisors, wealth managers, and retirement planners. He highlights the significance of retirement income planning, the implications of taxes in retirement, and the benefits of Roth conversions. The conversation also covers strategies for inflation protection, the role of fixed income, and the importance of principal protection in managing retirement savings.

For more information or to schedule a consultation call 704-946-7000 or visit BelmontUSA.com!

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In this special episode of Retirement For Living, JoePat Roop reflects on the significance of Memorial Day, emphasizing the importance of honoring those who sacrificed for our freedom. He connects this theme to retirement planning, discussing the need for careful financial strategies to ensure a secure future. The conversation delves into the nuances of Roth conversions, legacy planning, and the values that shape our financial decisions. Ultimately, the episode highlights the importance of freedom, family, and the legacy we leave behind.

For more information or to schedule a consultation call 704-946-7000 or visit BelmontUSA.com!

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In this episode of Retirement For Living, JoePat Roop discusses the distinction between being rich and being wealthy, emphasizing that true wealth encompasses health, family, and peace of mind rather than just financial assets. He explores the gradual transition into retirement, the importance of customized retirement planning, and the significant role taxes play in retirement expenses. Additionally, he highlights the necessity of planning for long-term care to avoid financial devastation during retirement.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com!

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This week, JoePat Roop emphasizes the critical connection between health and financial planning for retirement. He discusses the importance of preparing for a healthy retirement, navigating market volatility, understanding asset allocation, and the significant impact of taxes on retirement savings. JoePat also highlights the necessity of creating a personalized retirement income plan to achieve financial security during retirement.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com!

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In this episode of Retirement For Living, Taylor Lee discuss critical aspects of retirement planning, including the impact of hidden fees in retirement accounts, market trends, and the importance of having a comprehensive retirement plan. He also shares personal insights and updates, emphasizing the need for strategic financial planning to navigate social security and retirement income effectively.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com!

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This week on Retirement For Living, JoePat Roop discusses the role of gold in retirement portfolios, the complexities of annuities, and the importance of a personalized retirement roadmap. He emphasizes the need for secure income in retirement, the potential risks associated with gold investments, and the critical role of Social Security in funding retirement.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com!

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In this episode of Retirement For Living, JoePat Roop discusses the evolving landscape of retirement planning, emphasizing the importance of flexibility in retirement age and the need for a comprehensive financial strategy. He highlights the unpredictability of life events that can impact retirement plans and stresses the significance of regular reviews of financial assets, particularly 401(k) accounts. The conversation also covers the necessity of understanding tax implications and having a clear income strategy to ensure financial security in retirement.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com!

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In this episode of Retirement For Living, JoePat Roop discusses the challenges and uncertainties surrounding retirement savings in today's volatile market. He emphasizes the importance of principal protection and sustainable income, especially for those nearing or in retirement. The conversation also touches on the emotional aspects of investing, the dangers of comparing personal portfolios to market indices, and the regrets of early retirees. JoePat offers insights into creating a personalized retirement income plan that addresses these concerns and ensures financial stability.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com!

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This week, JoePat Roop discusses the intricacies of Roth conversions, the importance of guaranteed income in retirement, and strategies for navigating market volatility. He emphasizes the need for personalized retirement income plans and dispels common myths surrounding retirement savings and annuities. The conversation highlights the significance of understanding tax implications and the necessity of having a solid financial plan to ensure a secure retirement.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com!

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In this episode of Retirement for Living, JoePat Roop discusses essential questions to ask financial advisors, the importance of fiduciary responsibility, strategies for building sustainable retirement income, and the value of local knowledge in financial planning. He also evaluates the role of financial gurus in the industry and emphasizes the need for personalized, face-to-face financial advice.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com!

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This week, JoePat Roop discusses the importance of trust in financial planning, especially in light of current economic uncertainties. He emphasizes the need for a solid retirement roadmap that accounts for potential job loss and market fluctuations. The conversation highlights strategies for building a secure income stream in retirement and the significance of having a trustworthy plan that adapts to changing circumstances.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com!

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This week on Retirement for Living, JoePat Roop discusses the importance of retirement planning, drawing parallels with the excitement of March Madness. He emphasizes the need for a structured retirement income plan, especially in light of market corrections and the various risks retirees face, including taxes and inflation. The conversation highlights the unique one-page retirement income plan offered by Belmont Capital Advisors, which aims to simplify financial planning and build trust between clients and advisors. JoePat also addresses the significance of understanding Social Security and preparing for future financial uncertainties.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com!

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This week, JoePat Roop discusses the importance of a structured approach to retirement planning, emphasizing the bucket strategy for managing savings. He highlights the significance of creating different buckets for security, risk, growth, and memories, while also addressing common obstacles retirees face, such as market volatility and healthcare costs. JoePat advocates for a comprehensive retirement income plan that prepares individuals for longevity and ensures financial peace through consistent income sources.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com!

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This week on Retirement for Living, JoePat Roop interviews Duane Allen, the lead singer of the iconic country gospel band, the Oak Ridge Boys. They discuss the band's legacy, Duane's personal experiences in the music industry, and reflections on retirement and continuing to perform. The conversation highlights the importance of enjoying life and the challenges of transitioning in the music world, especially after the loss of band members. Duane shares insights into the band's future plans and their ongoing commitment to their fans.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com!

Follow us on social media: YouTube | Instagram | Facebook | LinkedIn

See omnystudio.com/listener for privacy information.

This week, JoePat Roop discusses the critical aspects of retirement planning, focusing on the implications of inheritance and taxes, the importance of tax planning, and the hidden fees associated with financial products. He emphasizes the need for a comprehensive financial strategy that aligns with individual goals and highlights the role of taxes in retirement planning.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com!

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See omnystudio.com/listener for privacy information.

In this episode of Retirement For Living, JoePat Roop discusses common mistakes individuals make in their retirement planning, particularly focusing on the importance of understanding fees and the impact of taxes. He emphasizes the need for a comprehensive approach to retirement income, including social security strategies and the integration of tax planning.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com!

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This week, JoePat Roop discusses the importance of personalized financial planning for retirement. He emphasizes the need for a tailored approach that focuses on individual goals and addresses common concerns such as taxes and financial security. The conversation highlights the mission of Belmont Capital Advisors to help clients live without worry and adapt their plans as life changes occur.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com!

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In this episode of Retirement for Living, JoePat Roop discusses the importance of personalized retirement planning. He emphasizes that retirement needs vary greatly among individuals and families, and that financial plans should be tailored to reflect personal goals and circumstances. JoePat introduces the concept of 'memory money,' which allows retirees to enjoy experiences without financial guilt.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com!

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This week, JoePat Roop emphasizes the importance of gratitude in retirement, discussing how true success is a state of mind rather than a monetary achievement. He highlights the significance of building good financial habits early on, such as budgeting and saving, which can lead to a secure retirement. The conversation transitions into the necessity of shifting from an accumulation phase to an income phase in retirement, ensuring a stable and sustainable income.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com!

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This week, JoePat Roop emphasizes the critical importance of having a personalized income plan for retirement. He discusses the alarming statistics regarding income planning, the need for comprehensive tax planning, and the implications of social security and Medicare costs. JoePat highlights the necessity of understanding one's retirement savings, including old 401(k)s and IRAs, and the potential pitfalls of tax implications in retirement.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com!

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On this week's episode, JoePat Roop discusses the importance of early retirement planning, market trends, and the significance of understanding fees associated with retirement accounts. He emphasizes the need for a personalized retirement income plan and the implications of required minimum distributions (RMDs) for retirees.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com!

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In this episode of the Retirement for Living Podcast, JoePat Roop discusses various scenarios that could impact retirement planning, including potential layoffs, early retirement, health emergencies, and the importance of having a comprehensive financial plan. He emphasizes the need for proactive planning, setting realistic financial goals, and celebrating milestones in financial success. The conversation highlights the significance of understanding the implications of financial decisions and the necessity of having a written plan to guide individuals towards their retirement objectives.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com!

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In this episode of the Retirement for Living podcast, JoePat Roop discusses the current market predictions and warnings from financial experts. He emphasizes the importance of preparing for retirement income, having cash on hand, and creating a customized retirement plan that focuses on individual cash flow needs. The conversation also covers tax strategies, particularly regarding IRAs, and the significance of creating lasting memories during retirement.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com!

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This week, JoePat Roop discusses the importance of sustainable income in retirement planning, emphasizing the need for customized financial strategies that cater to individual goals. He highlights the significance of understanding market trends, taxes, and hidden fees that can impact retirement savings. The conversation also touches on the necessity of having a rational approach to financial planning to ensure peace of mind during retirement.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com!

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In this episode, JoePat Roop discusses the importance of tax planning for retirees, particularly those with significant IRA savings. He emphasizes the need for strategic moves, such as Roth IRA conversions and Qualified Charitable Distributions (QCDs), to minimize tax liabilities. The conversation also highlights the value of seeking second opinions from fiduciary advisors to ensure comprehensive retirement planning tailored to individual goals.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com!

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This week, JoePat Roop discusses the alarming statistics regarding retirement savings among Americans, emphasizing the importance of understanding individual financial situations and planning for retirement. He highlights the decline of pension plans and the necessity of creating a personalized retirement income plan. The discussion also touches on the impact of economic uncertainty, inflation, and the importance of making lasting family memories. Finally, JoePat addresses the need for financial preparedness in the face of potential layoffs and the significance of having an emergency fund.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com!

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This week, JoePat Roop explores the importance of family adventures, the complexities of financial planning, and the impact of political changes on taxes and retirement strategies. He discusses the significance of understanding financial documents, the role of tax strategies in retirement planning, and the influence of celebrity endorsements in political campaigns. He emphasizes the need for customized financial plans to secure a stable retirement and the importance of knowing one's financial situation to make informed decisions.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com!

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This week, JoePat Roop covers essential financial planning strategies as the year comes to a close, emphasizing the importance of tax loss harvesting, Roth conversions, and proactive planning to manage taxes effectively in retirement. JoePat highlights the significance of understanding tax implications on retirement savings and the need for strategic planning to ensure financial stability and dignity throughout retirement.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

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This week, Alaina Sanders joins JoePat Roop and shares her personal experiences with her father's dementia and the importance of long-term care planning. The discussion emphasizes the financial implications of long-term care, the necessity of early planning, and the various options available to families. She highlights the emotional and practical aspects of navigating these challenges while maintaining dignity and support for loved ones.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

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This week, JoePat Roop delves into the concept of tax loss harvesting, emphasizing its importance in reducing tax liabilities for investors. He discusses strategies for retirement planning, including the significance of having a well-structured portfolio that can withstand market fluctuations. The discussion also highlights the need for proactive tax planning, particularly in light of potential future tax increases.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

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This week's conversation delves into the critical aspects of retirement planning, emphasizing the importance of sound financial advice and the need for a tailored approach to retirement income. JoePat Roop discusses common regrets among retirees regarding financial decisions, the significance of principal protection, and the impact of taxes on retirement savings. He also highlights the importance of understanding one's financial goals and the role of financial advisors in navigating these complex decisions.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

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In this engaging conversation, members of the legendary Lynyrd Skynyrd (Johnny Van Zant & Rickey Medlocke) sit down with JoePat Roop to discuss the evolution of their music careers, the importance of audience appreciation, and the memories created in their early days at the 'Hell House.' They also reflect on the significance of building a strong team in the music industry and the challenges that come with it.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

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This week, JoePat Roop focuses on the pressing concerns retirees and pre-retirees have regarding Social Security and annuities. He highlights the uncertainty surrounding Social Security's future, the importance of understanding filing strategies, and the potential impact of taxes on retirement income. The discussion also delves into the role of annuities in providing guaranteed income, emphasizing the need for informed financial decisions to secure a stable retirement.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

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This week, JoePat Roop shares his journey from West Virginia to a successful career in financial planning, reflecting on the unpredictability of life and the importance of having a solid financial strategy. The discussion transitions into the current political climate and its implications for the economy, emphasizing the need for sound retirement planning amidst uncertainty. JoePat highlights the significance of understanding pensions, tax implications, and the necessity of personalized financial planning to navigate retirement effectively.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

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In this week's conversation, JoePat Roop discusses the current economic landscape, focusing on the potential for a recession, inflation rates, and the Federal Reserve's actions. He explores investment strategies amidst market volatility and the importance of long-term financial planning. The discussion also touches on the political climate and its implications for financial decisions, emphasizing the need for a stable retirement plan that considers taxes and market fluctuations.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

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This week, JoePat Roop discusses the importance of understanding net income in retirement planning, particularly in relation to Social Security and Medicare. He highlights the implications of IRMA surcharges and the need for proactive tax planning. The discussion also covers the limitations of 401(k) plans as a sole retirement strategy and emphasizes the necessity of evaluating individual income needs for a secure retirement.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

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This week, JoePat Roop discusses the common regrets people have regarding retirement planning, particularly focusing on the importance of saving and the implications of taxes. He also talks about the current economic climate, including interest rate changes and their impact on annuities.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

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As we enter the fall season, it's important to prepare for potential changes and uncertainties in the fourth quarter. This week, JoePat Roop considers the impact of the upcoming election, potential tax increases in 2026, and the possibility of a recession. The conversation also explores the role of the 401(k) program in retirement planning, discussing its benefits and potential drawbacks. JoePat emphasizes the importance of having a comprehensive retirement income plan that takes into account individual goals, income needs, taxes, and legacy planning.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

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This week, JoePat Roop discusses the possibility of a recession and its potential impact on the economy. He highlights indicators of a recession, such as the inverse yield curve and frothy markets. The conversation also delves into the proposed capital gains tax increase and its potential effects on individuals and the economy. The importance of tax planning in retirement is emphasized, as well as the need for a comprehensive retirement income plan that considers taxes, Social Security, and investment strategies.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

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Retiring early presents challenges such as ensuring that your money lasts longer and provides a consistent income. JoePat Room discusses additional risks, including market downturns and higher spending in the early retirement years. It is important to have a clear purpose and budget for retirement. Other obstacles to consider are health insurance and long-term care. Taking withdrawals from a 401(k) can have long-term consequences and it is important to have a customized approach to retirement planning. Lost 401(k) accounts should be consolidated and a comprehensive retirement income plan should consider taxes, investments, and risks.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

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On this week's show, JoePat Roop discusses the fear of running out of money in retirement and the preference of preserving money rather than growing it. He also explores the topic of taxes in retirement and the importance of having a tax strategy. The conversation emphasizes the need for a comprehensive retirement income plan that includes streams of income from various sources and considers factors such as Social Security, pensions, interest income, and 401k or IRA income. The conversation highlights the benefits of Roth IRAs and the potential to lower lifetime tax bills through proper planning.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

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This week, JoePat Roop discusses the Olympics and the excitement and pride that comes with watching athletes compete. The conversation then transitions to taxes on Olympic medals and the potential surprise taxes that individuals may face in retirement. JoePat talks about the recent global tech outage caused by a cyber security glitch and the importance of having a retirement plan that is prepared for unexpected events.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

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This week, JoePat Roop covers a range of topics including the recent assassination attempt on former President Donald Trump, the need for open dialogue, the possibility of a recession, the importance of having a comprehensive retirement plan, and the benefits of tax planning.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

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This week, JoePat Roop discusses the importance of having honest conversations with clients. He emphasizes the use of systems and processes to help clients understand their retirement plans based on real data. The one-page retirement income plan is a comprehensive and holistic approach that considers income, asset allocation, and tax allocation. The goal is to provide clients with the confidence to make choices without worrying about financial needs. The conversation also touches on the misconception of needing a specific amount of money to retire comfortably, highlighting the importance of individualized plans based on income goals and personal circumstances.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

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This week, the conversation with JoePat Roop revolves around the concept of being a tightwad and the importance of budgeting and planning for fun expenses. It emphasizes the need for discipline and budgeting to achieve financial independence and enjoy life. The conversation also touches on the topics of tax planning and estate planning, highlighting their significance in protecting and preserving wealth. The potential impact of new tax laws and the migration of people from high-tax states to tax-free states is discussed. The importance of understanding and optimizing tax strategies in retirement planning is emphasized.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

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On this week's episode, JoePat Roop covers various topics related to Independence Day celebrations, including spending habits, patriotism, small businesses, and untraditional methods of saving for retirement. JoePat discusses statistics on how much Americans spend on food, hot dogs, fireworks, and beer during the Fourth of July. He also touches on the level of pride Americans have in their country and the faith they have in small businesses.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

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This week, JoePat Roop focuses on the importance of building secure, sustainable, and stable income for retirement. He emphasizes the need for secure income that is not affected by market disruptions or geopolitical events. The conversation also highlights the impact of inflation and taxes on retirement income and the importance of incorporating inflation protection and tax avoidance strategies. JoePat mentions the one-page retirement income plan that helps assess current financial status and plan for a secure retirement. The conversation also touches on the emotional aspect of retirement planning and the need to take the emotions out of it. Lastly, the JoePat emphasizes the importance of having a tax strategy and mentions tax loss harvesting as a way to minimize taxes.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

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Taylor Lee, a CFP at Belmont Capital Advisors, joins the show to discuss various topics related to financial planning and investment strategies. The conversation covers subjects such as landscaping, retirement planning, interest rates, inflation, and the importance of having a financial plan. Taylor emphasizes the need for a personalized plan that takes into account individual goals, risk tolerance, and market conditions. He also highlights the significance of protecting one's investments and adjusting strategies based on changing circumstances.

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This week we get to know Alaina Sanders one of the great team members at Belmont Capital. Alaina is a financial planner who understands the importance of income planning because it's something she has been passionate from a young age. She joins JoePat to discuss the joys and challenges of retirement planning, the pros and cons of annuities and what taking a RV trip across the country taught her about life (and marriage).

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

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JoePat Roop discusses the performance of cash, bonds, and money markets as investment options, highlighting the benefits and risks associated with each. He also emphasizes the importance of principal preservation and offers insights into long-term investment strategies.

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On this week's podcast, the conversation revolves around the topics of retirement income, taxes, legacies, and the importance of personalized financial advice. JoePat Roop discusses Warren Buffett's statement about paying taxes and expresses his own opinion on the matter. He also mentions a 20-point tax checklist that can help individuals save money on taxes. The conversation then transitions to the topic of legacies and the different ways people plan to leave money for their loved ones. JoePat emphasizes the importance of maintaining relationships with family members and offers advice on staying connected. He also mentions the challenges of finding a new financial advisor and highlights the benefits of personalized, face-to-face advice.

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JoePat details the "Great Wealth Transfer" and while it means a windfall of money for some, it also means big headaches for others.

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Side Hustles are good for additional income but JoePat explains how you can still have the part time gig, but because you want to, not because you have to.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

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JoePat detials why so many adults are working at 70 and not happily retired (and it's not just because of inflation). Plus, how to find your purpose in life with advice from a legit bull rider.

For more information or to schedule a consultation, call 704-946-7000 or visit www.belmont-capital.com

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Most advisors have a love/hate relationship with Annuities and JoePat details why they can be a great option or a portfolio headache.

For more information or to schedule a consultation, please contact 704-946-7000 or visit www.belmont-capital.com

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Adults are retiring earlier than ever, but why? Is the market that good? Have they had enough? Are they making a mistake? JoePat details the pros/cons of an early retirement. Plus, the power of building sustainable retirement income.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

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Should you have a milestone birthday or a milestone savings account number when planning to retire? JoePat details the latest number some adults think they need to retire comfortably.

For more information or to schedule a consultation, call 704-946-7000 or visit www.belmont-capital.com

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This week we get to know one of the newest team members of Belmont Capital Advisors, CFP Taylor Lee. Taylor details the joys and challenges in the industry and explains how your 401(k) strategy is like bowling.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

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JoePat offers a break down on a ROTH conversion and if it could be the strategy your portfolio needs to protect and build income. Plus, what Ron Swanson can teach us about taxes.

For more information or to schedule a consultation, call 704-946-7000 or visit www.belmont-capital.com

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Income. Protection. Growth. These are the 3 pillars of a proper retirement plan and JoePat details how the steps to securing each in your retirement portfolio.

For more information or to schedule a consultation, call 704-946-7000 or visit www.belmont-capital.com

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Adults 65+ are working now more than ever. Is that because we are living longer? Bad financial planning? Or maybe because they want to? JoePat also details how to find your "retirement rush".

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

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Pundits think it's time to eliminate a 401(k) from retirement plans. JoePat Roop details the pros and cons of abolishing your 401(k) plan and what other options can be used for income in retirement.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

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JoePat Roop shined up his cowboy boots and met some of the biggest and best in country music at CRS. JoePat also had the opportunity to meet some of the up-and-coming country stars including Austin Snell. Check out Austin Snell's official website and music. He's an artist you will want to download!

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

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It's tax season and scammers are targeting those worried about the IRS. JoePat details what to look out for and what the IRS will never do when contacting you. Plus, what age should you consider retiring?

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

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JoePat Roop details his mission for the community and explain how he can help you recognize your retirement goals. Plus, you would think $5M should be enough to retire comfortably, but one "shark" disagrees.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

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There are many layers to customizing a retirement plan and JoePat wants to break down some of the myths of what he can and will do for his clients. Plus, a detailed look at the first appointment.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

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Being diversified in retirement is not a need, it's a must for most adults. JoePat details the best ways to diversify your portfolio and also stresses the importance of a tax strategy.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

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WWE and Netflix agreed to a 10-year $5 Billion deal to be the exclusive streaming service for their wrestling content. This is a big risk for both parties. JoePat details the long- and short-term risk in retirement planning and how to protect yourself. Plus, a millennial gets a real-life lesson in taxes.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

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Fees are something that will affect a retirement portfolio and JoePat Roop details how to recognize and even possibly eliminate unnecessary fees.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

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JoePat Roop details the importance of setting goals for the new year and not relying on resolutions (which usually fail). Plus, how to stay accountable for financial and personal goals in your life. Finally, some breaking news from the offices of Belmont Capital Advisors.

For more information or to schedule a consultation call 704-946-7000 or www.belmont-capital.com

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JoePat Roop details what we can learn from Mariah Carey about annuities, and he also explains why frustration from the middle class is real.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

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JoePat Roop details strategies that could improve your 401k and why "spending down" your 401k is important. Plus, we get the pulse of the community and find out why people are calling Belmont Capital.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

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JoePat Roop details new tax brackets coming in 2024 and how to prepare, plus annuities have never been more popular, so why do so few advisors use them?

For more information or to schedule a consultation, call 704-946-7000 or visit www.belmont-capital.com

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JoePat Roop explains how some adults are playing catch up to this volatile market and if it could benefit your plans. Plus, the pros and cons of a DIY portfolio.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

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JoePat Roop details the latest inflation numbers and what it means for your holiday shopping. Plus, could longevity insurance benefit your retirement plans?

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

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JoePat details the opportunities that present themselves in a volatile market. Plus, no question is too big or too small and JoePat answers a listener question about withdrawals.

For more information or to schedule a consultation, call 704-9467000 or visit www.belmont-capital.com

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JoePat details how shocked some adults are when the realize how much they are paying in fees and how he helps recognize and eliminate unnecessary fees in a plan. Plus, preparing for potential changes to your Social Security that could happen sooner than later.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

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JoePat Roop details how decluttering your house is much like decluttering your retirement portfolio. You will find things you no longer want, need or that are no longer useful. Plus, JoePat explains the unseen power of a ROTH within a plan.

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JoePat details the 3 pillars to creating a proper retirement plan: protection, income and growth.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

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This week JoePat details the latest rumors of Social Security benefits being cut over the next 10 years and how to prepare.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

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JoePat explains why he thinks we are not out of the woods yet when it comes to a possible recession. Plus, what kills a plan: fees. JoePat details how to help eliminate the costly piece of retirement planning.

For more information on Belmont Capital Advisors or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

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JoePat details what lead him to the world of financial planning and how he almost ended up in the coal mines had his father not stepped in. Plus, is there a better opportunity aside from having bonds in your portfolio?

For more information on Belmont Capital Advisors or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

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JoePat Roop details how the Boomer generation is preparing to pass down over $50 Trillion in assets and what affect it could have on everyday retirement savers. Plus, with a Presidential election looming, what does history show for market reaction?

For more information on Belmont Capital or to schedule a consultaion, call 704-946-7000 or visit www.belmont-capital.com

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JoePat details if it's time to into "protection" mode in a volatile market. Plus, we have discovered financial advice on Tik Tock. Is it worthy of a second look or is it trash?

For more information or to schedule a consultation, call 704-946-7000 or visit www.belmont-capital.com

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JoePat Roop details the lesson we can learn from the death of Jimmy Buffett and how lasting legacy needs to be more than a memory or a song. Plus, a lot of adults are going "all in" on the market because they feel the need to play catch up, but is this a good strategy?

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

JoePat Roop details the one thing that YOU must get right in retirement and the one thing that HE must get right for you. Also, how do you "test drive" a retirement plan?

For more information or to schedule a consultation, call 704-946-7000 or visit www.belmont-capital.com

JoePat wants you to be financially stable but he also knows that in life, there are some things that are bigger than money; family. JoePat talks about the importance of being secure in your finances, but also understanding that time with your loved ones trump having millions in the bank.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

JoePat Roop details the strugges in the market as we reach record lows and highs and he explains how a lopsided market can affect your bottom line. Plus, what can a ROTH IRA do for your tax strategy?

For more information or to shedule a consultation, call 704-946-7000 or visit www.belmont-capital.com

JoePat had the opportunity to spend some time with political and cultural commentator Candace Owens. She talks about the infulence her grandfather had on her life, what she would with our current tax code and the importance of financial conversations in a marriage.

For more information on Belmont Capital Advisors or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

JoePat Roop details why a billionaire should not be best person to explain the ins and outs of "getting rich". Plus, your 401k or IRA is full of weeds that affect your overall strategy, JoePat explains how to pull those weeds without hurting your bottom line.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

JoePat Roop explains that an election year could provide great opportunities for your retirement portfolio. Plus, is there a chance the Biden administration could push us into a recession so they can take credit for getting us to the other side?

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

JoePat details the importance of embracing and understanding your Day One. Plus, should you be running to or from certail stocks and we take a deep dive into what the initial appointment at Belmont Capital looks like.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

JoePat Roop defines what an Inverted Yield Curve is and more importantly, how it could predict an upcoming recession. Plus, the power of diversification in a plan and why it really depends on your age.

For more information or to schedule a consultation, call 704-946-7000 or visit www.belmont-capital.com

JoePat Roop deatils the latest with iBonds and if there is still time to take advantage of this government funded opportunity. Plus, at what point is dipping into your 401k for extra cash acceptable and finally, when it comes to your inheritance, do you want to pick favorites or let them learn the hard way?

For more information or to schedule a consultation, call 704-946-7000 or visit www.belmont-capital.com

JoePat Roop reflects on Independence Day and answers the question: what are most adults really looking for in retirement? Saftey? Income? Growth? Freedom? Plus, is the 60/40 model still a good option for your portfolio?

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

This week we get to know Taylor Lee, one of the newest team members at Belmont Capital Advisors. We talk about changes in bonds and how they can help your portflio. Plus, we detail what happens in the initial appointment at Belmont Capital and finally, we make way too early College Football predictions.

For more information or to schedule a consultation, visit www.belmont-capital.com or call 704-946-7000.

JoePat Roop details what's on the mind of the community and what most pre-retirees are struggling with as they prepare for retirement. Plus, JoePat has some of the biggest expenses in retirement that most adults are not aware of.

For more information or to schedule a consultation, call 704-946-7000 or visit www.belmont-capital.com

JoePat details how a DIY Retirement Plan has it's benefits, but overall it could cause more harm than good. Plus, what exactly is a "One Page Retirement Plan" from the team at Belmont Capital?

For more information or to schedule a consultation, call 704-946-7000 or visit www.belmont-capital.com

JoePat Roop details the pros and cons of giving your kids money without them appreciating hard work. Plus, the power of an annuity in a retirement plan.

For more information or to schedule a consultation, call 704-946-7000 or visit www.belmont-capital.com

JoePat Roop talks about the importance of having an updated strategy. Where do you want to be? What is your plan? Most importantly, what are your goals?! And why you shouldn't feel guilty if you have no clue because that's no problem.

For more information or to schedule a consultation, call 704-946-7000 or visit www.belmont-capital.com

JoePat explains why annuities are more popular now than ever before. Plus, how they can provide income for life.

For more information or to schedule a consultation, call 704-946-7000 or visit www.belmont-capital.com

JoePat details the 3 legs to a full financial plan: Protection, Growth and Income, and how each one benefits your retirement needs.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

JoePat details the steps they take at Belmont Capital to ensure you have a rock solid retirement plan.

For more information or to schedule a consultation, call 704-946-7000 or visit www.belmont-capital.com

JoePat Roop details some of the more overhyped opportunities in financial planning and what options could be better. Plus, the pitfalls of using a 401k for emergencies.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

JoePat Roop details how to weather the storm of an upcoming recession and more importantly, how to get back on course. Plus, what we can learn about Risk from the kids of South Park. Finally, what goals JoePat sets in the very first meeting with a new client.

For more information on Belmont Capital Advisors or to schedule a consultation, call 704-946-7000 or visit www.belmont-capital.com

JoePat Roop details the importance of a tax strategy and why "Tax Freedom Day" is one of the worst days of the year for taxpayers. Plus, is the 60/40 model on the comeback or should retires remain cautious. Finally, what's keeping 70% of adults stressed at night?

For more information on Belmont Capital or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

JoePat Roop details how to control anxiety when dealing with the flows of a volatile market. Plus, there are emotions in your retirement plan, how do you get out of your own head. Furthermore, is there such thing as too much "experience" money?

For more information on Belmont Capital Advisors or to schedule a consultation, call 704-946-7000 or visit www.belmont-capital.com

JoePat Roop details the best options for an annuity and why now is a good time to take a second look. Plus, how a tax strategy is important even after tax day and what happens when you are bullied into being charitable.

For more information on Belmont Capital Advisors or to schedule a consultation visit www.belmont-capital.com or call 704-946-7000.

JoePat Roop details the moves within Social Security and how the changes will affect your retirement planning. Plus, how do you know you're not just another number at Belmont Capital Advisors and finally, avoiding "paralysis by analysis" in retirement planning.

For more information call 704-946-7000 or visit www.belmont-capital.com

This week JoePat Roop details why getting a big tax refund is not necessarily a good thing and the importance of having a solid tax strategy year-round. Plus, we clear up misconceptions about what JoePat can and cannot do for the community. Finally, is the Fed going too far in their attempts to lower inflation?

For more information on Belmont Capital or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

JoePat Roop discusses what steps we should take now to prepare for the expiring Trump Tax cuts and the overall importance of a tax strategy. Plus, do the lower inflation rates decrease the chance of a recession? Finally, what are the best ways to protect your assets if you fear a bank collapse could affect you.

For more information on Belmont Capital Advisors or to schedule a consultation visit www.belmont-capital.com or call 704-946-7000.

JoePat Roop details what lead to the SVB collapse and what mistakes could have been avoided. Plus, how this could affect your retirement savings and what opportunities are available to protect your assets.

For more information on Belmont Capital Advisors or to schedule a consultation, call 704-946-7000 or visit www.belmont-capital.com

JoePat Roop discusses how an annuity could be a great option for retirement income but comes with some fine print. Plus, is it time to take a break from the market and finally, why being charitable is a good thing, even if you get bullied into it.

For more information on Belmont Capital Advisors or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

JoePat Roop explains how the tech sector layoffs have affected the market but unless you were laid off, it shouldn't affect you. Plus, unfortunately 2024 is an election year, so could we see the current administration rush us into a recession so they can resolve it and take credit going into an election, or is this pure conspiracy theory talk? Finally, why DIY should be a big NO for retirement planning.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

JoePat Roop explains how we can cut through all the noise we are constantly fed through financial websites, news programs and even daily conversations. More importantly, what he can do to eliminate the noise and focus on the facts. Plus, what are the pros and cons of using a robo-advisor? Finally, how the little fees in your plan can destroy a retirement portfolio.

For more information on Belmont Capital or to schedule a consultation, call 704-946-7000 or visit www.belmont-capital.com

JoePat Roop details why 90% of Financial Advisors burnout in the industry and what makes him different. Plus, how to properly pass money to your family without causing drama and finally, what remains the number one fear for retirees?

For more information on Belmont Capital Advisors or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

JoePat Roop discusses the Superbowl and if $7M is a good ROI for a commercial, but also what we can learn about fees from the big game. Plus, how to find your purpose in retirement after you step away from the safety of a job. Finally, how LTC could also become a tax burden.

For more information on Belmont Capital or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

JoePat Roop discusses the pros and cons of borrowing against your retirement in a down economy. Plus, what happens if you're close to retirement and get an unexpected pink slip? How do you take emotions out of starting a new job close to retirement. Finally, how does JoePat help you find the happy place in Risk vs Reward?

For more information on Belmont Capital Advisors or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

JoePat Roop discusses the Fed continuing to raise interest rates and if this could lead to a slowdown in market growth, but more importantly, can your portfolio handle zero movement? Plus, what's your retirement fantasy and how do you realize it when you don't have a plan?

For more information on Belmont Capital Advisors or to schedule a complimentary consultation, call 704-946-7000 or visit www.belmont-capital.com

JoePat Roop details the 60/40 model and if it's still a good option after a volatile 2022 in the market. Plus, what can we expect from the SECURE ACT 2.0 and one country superstar doesn't plan on retiring until you tell her to.

For more information on Belmont Capital Advisors or to schedule a complimentary consultation, call 704-946-7000 or visit www.belmont-capital.com

JoePat Roop details the changes we can anticipate in the latest SECURE ACT 2.0 and how it will affect your retirement planning. Plus, what kind of outlook does JoePat have for 2023? Is it positive or one of more protection from a volatile market. Finally, is this the year you get serious about an Annuity?

For more information on Belmont Capital Advisors or to schedule a complimentary consultation call 704-946-7000 or visit www.belmont-capital.com

2022 was rough financially and JoePat details how he helped to protect his clients' principals despite a record year in the market. Plus, have we hit the bottom on the market? Is it fair to make bold predictions this early in 2023? Finally, what are your financial resolutions for 2023 and what SHOULD they be?

For more information on Belmont Capital Advisors or to schedule a complimentary consultation, call 704-946-7000 or visit www.belmont-capital.com

JoePat Roop details what your first move should be if faced with a forced retirement. Unfortunately, it's becoming more common in a down economy and it's no longer just in the tech sector. Plus, how diversified are you in your portfolio? Too much? Too little? What's the right balance?

For more information on Belmont Capital or to schedule a complimentary consultation, call 704-946-7000 or visit www.belmont-capital.com

JoePat Roop details if we can prepare for a Santa Claus Rally stemmed from the optimism of the Holiday shopping season. Plus, some talking heads say 2023 is going to be rough for the market, while some say it's going to be great. Who should we trust and what does JoePat think the coming year will bring within the market?

For more information on Belmont Capital or to schedule a complimentary consultation, call 704-946-7000 or visit www.belmont-capital.com

JoePat Roop explains why looking at Tax Loss Harvesting now could benefit your end of year strategy. Plus, with the Holidays here, why you shouldn't forget about your fiscal responsibilities and explaining the confusion of a ROTH.

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

JorPat Roop explains how the new CPI at 7.7% is good but not great because of the factors not included in the new number. Plus, some economists think the worst is ahead for us regarding a recession and $1.2M is enough to retire, right? Right?! No? JoePat explains why.

For more information on Belmont Capital Advisors or to schedule a complimentary consultation call 704-946-7000 or visit www.belmont-capital.com

With major companies announcing layoffs JoePat Roop details what steps you need to take if a "future endeavored" letter lands on your desk. Plus, with the midterms behind us, what's next for the economy with changes to dome of the major players in Washington. Finally, how much is too much for an emergency fund?

For more information on Belmont Capital Advisors or to schedule a complimentary consultation, call 704-946-7000 or visit ww.belmont-capital.com

JoePat Roop talks about the secrets we hide from our family regarding our finances and how that can cause friction within a relationship. Plus, with changes coming in 2023, is now the right time to max out your 401k? Plus, the importance of getting a second opinion.

For more information or to schedule a complimentary consultation call 704-946-7000 or visit www.belmont-capital.com

JoePat Roop has some advice for the "experts" who think we are not in a recession yet and offers tips for retirees on how to plan for the next year of a down market. Plus, if JoePat had control of the Fed for one day, what's the first changes he would make that would benefit his clients and finally, is it possible to time the market? Some say it's a great advantage while some think it's never a good thing.

For more information on Belmont Capital Advisors or to schedule a complimentary consultation, call 704-946-7000 or visit www.belmont-capital.com

JoePat Roop details the hard question about delaying your retirement plans because of the down economy. Would this be a beneficial move to your overall portfolio? Plus, should you have an "age" or an "amount" in mind for your overall retirement goal? Finally, some good news for those who take Social Security benefits because the COLA is setting records!

For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

In this episode JoePat grades the Federal Reserve on how they have handled record high inflation (spoiler alert: they don't pass). Plus, when unexpected life challenges happen it's easy to lean on your 401k as an emergency fund. JoePat explains why you should resist the urge and seek other options. Finally, the finer points of a One Page Retirement Income Plan.

For more information on Belmont Capital Advisors or to schedule a complimentary consultation call 704-946-7000 or visit www.belmont-capital.com

JoePat Roop discusses Hurricane Ian and the lessons we can learn about protection from the Economic Storm that continues to affect our retirement portfolios. Plus, one listener is a prime example of how "sitting on your hands" can create more problems when you are putting a retirement plan together.

For more information on Belmont Capital Advisors or to schedule a complimentary consultation, call 704-946-7000 or visit www.belmont-capital.com

In this episode JoePat talks about seeing Willie Nelson live in concert and what he learned about his own life and retirement from the music legend. Plus, what happens if you think a job layoff is coming soon, can you make a plan that benefits your retirement strategy?

For more information on Belmont Capital or to schedule a complimentary consultation, call 704-946-7000 or visit www.belmont-capital.com

We think of fall and Thanksgiving harvest, but what about tax harvesting? Could it benefit your portfolio? Plus, JoePat Roop details the difference between tax prep and tax planning. Also, what can we learn from Queen Elizabeth's Billions in assets?

For more information on Belmont Capital Advisors or to schedule a complimentary consultation, call 704-946-7000 or visit www.belmont-capital.com

JoePat breaks down the latest inflation numbers and why we should prepare for this to be the new normal for a while. Plus, how trains will be the next to affect our supply chain issues and finally, JoePat details the importance of his complimentary 1-Page Income Plan.

For more information on Belmont Capital Advisors or to schedule a complimentary consultation, call 704-946-7000 or visit www.belmont-capital.com

JoePat Roop details some of the risks we face when considering an early retirement and how to prepare for those situations. Plus, the importance of "living to be loveable" which has a lasting affect on your quality of life. Finally, big happenings from the team at Belmont Capital Advisors and how it will positively affect their customers.

For more information on Belmont Capital or to schedule a complimentary consultation, call 704-946-7000 or visit www.belmont-capital.com

As we slowly transition from Summer to Fall, JoePat details a few items on your financial checklist you should take care of including changes to your RMD's, tax strategies and looking at a ROTH Conversion. Plus, $1.3B is still up for grabs and how this "lost fortune" is a good lesson in managing your Estate.

For more information on Belmont Capital Advisors or to schedule a consultation, call 704-946-7000 or visit www.belmont-capital.com

JoePat Roop details his thoughts on the new CPI number at 8.5%, but what the record high inflation really means for your portfolio. Plus, the Administration recently passed the Inflation Reduction Act which is proposed to help Americans struggling in a down economy, but what does it really mean? Finally, how to protect your SS Benefits when taxes will most likely be going up.

For more information on Belmont Capital Advisors or to schedule a complimentary consultation, call 704-946-7000 or visit www.belmont-capital.com

In this episode, JoePat Roop defines if a "Misery Index" is real or just a financial buzzword but more importantly, how you define it. Plus, the pros and cons of a Robo-Advisor. There are some good points to using online financial software, but JoePat points out one key element that is missing.

For more information on Belmont Capital Advisors or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

In this episode JoePat Roop steps away from the "technical" definition of a recession and explains how your bottom line is more important that the "experts" explanation. Plus, what happens should you come into a life changing amount of money? What are the first steps you need to take to ensure you and your family is protected.

For more information on Belmont Capital Advisors or to schedule a complimentary consultation call 704-946-7000 or visit www.belmont-capital.com

JoePat Roop discusses the importance of getting out of your comfort zone and being uncomfortable could have a positive affect on your retirement portfolio. Plus, is the Biden Administration moving the goal posts when it comes to defining a recession? Finally, with all the "noise" is there a silver lining to a down economy?

For more information on Belmont Capital Advisors or to schedule a complimentary consultation, call 704-946-7000 or visit www.belmont-capital.com

In this episode, JoePat discuss the good and bad of I-Bonds. They can be a good addition to your overall plan, but you need patience. Plus, with record high inflation and rising interest rates, what are some of the biggest questions JoePat is getting from both his clients and the community when it comes to a retirement plan?

For more information on Belmont Capital Advisors or to schedule a complimentary consultation call 704-946-7000 or visit www.belmont-capital.com

In this episode JoePat Roop details what 9% inflation means for your bottom line and the medicine you can take to curb the affects. Plus, is the 60/40 rule still a good method in a down market or has it become outdated?

For more information on Belmont Capital Advisors or to schedule a complimentary consultation call 704-946-7000 or visit www.belmont-capital.com

In this episode JoePat defines what an "inoculated" recession is and if it has merit or just financial fluff talking points. Plus, with inflation at a 40 year high, is it time for adults to just accept this is the new normal or does JoePat see any relief? Finally, the importance of an Estate Plan and the mistakes we make putting one together.

For more information on Belmont Capital Advisors or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

The US Economy slipped 1.6% to start the year with consumer spending was weaker than calculated. What does that mean to our bottom line? Plus, the 3 questions you need to be asking your financial advisor.

For more information on Belmont Capital Advisors or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

In this episode, JoePat Roop stresses the power and importance of time. From raising your kids, to retirement saving to the affect time has on your RMD's. How can you make the most out of the time you have to prepare for retirement?

For more information on Belmont Capital or to schedule a complimentary consultation call 704-946-7000 or visit www.belmont-capital.com

In this episode JoePat Roop details his trip to Washington DC to meet former VP Mike Pence. They discussed the importance of keeping Social Security, the one tax that needs to be eliminated immediately and why you should take a deep breath and do nothing once you leave the work force.

For more information on Belmont Capital Advisors or to schedule a complimentary consultation call 704-946-7000 or visit www.belmont-capital.com

In this episode JoePat gives a full dive into annuities. How they work, why they can be tricky and most importantly, if an annuity could benefit your retirement plan. Plus, the importance of having the financial conversation with your aging parents.

For more information on Belmont Capital Advisors or to schedule a complimentary consultation call 704-946-7000 or visit www.belmont-capital.com

In this episode, JoePat Roop discusses a looming recession and how important it is to have a plan for what lies ahead. Plus, why would some "experts" want you to work longer instead of retiring? Finally, your parents had tough conversations with you, time for you to have a tough conversation with them.

For more information on Belmont Capital Advisors or to schedule a complimentary consultation call 704-946-7000 or visit www.belmont-capital.com

In this episode JoePat defines what a "bear" market is and why the market is having a temper tantrum right now. Plus, how to protect your 401k from ongoing inflation and finally, the importance of having both members of a marriage invested in a financial plan, especially the wife because truth is, women (are smarter) and outlive men.

For more information on Belmont Capital or to schedule a complimentary consultation, call 704-946-7000 or visit www.belmont-capital.com

JoePat Roop talks about the current economy and how inflation, interest rates, gas prices and market volatility has affected our daily life but more importantly, if JoePat believes things will get worse before getting better. Plus, the CPI dropped two-tenths of a point, will that affect us at all and with the power of hindsight, what can we change now to help our future selves.

For more information on Belmont Capital Advisors or to schedule a complimentary consultation, call 704-946-700 or visit www.belmont-capital.com

In this episode JoePat Roop explains why a "healthy" recession could be the best opportunity to fight inflation and reminds us there is a silver lining to a volatile market. Plus, is the 60/40 rule still appropriate in an economic downturn and we talk about some of the biggest "regrets" retirees have you should avoid.

For more information on Belmont Capital Advisors or to schedule a consultation, call 704-946-7000 or visit www.belmont-capital.com

In this episode JoePat Roop explains weather he thinks we should be preparing for a recession and why there should be no shame in asking for help with your retirement funds. Plus, if you have a pension, there are a few steps you need to take for it to remain beneficial to a long lasting retirement plan.

For more information on Belmont Capital or to schedule a complimentary consultation call 704-946-7000 or visit www.belmont-capital.com

In this episode JoePat explains that despite inflation, world issues, high gas prices, interest rate increases and a higher cost living, now is a great time to start your retirement planning. He details that we can't control many situations, but it's important to have control of your retirement plan. Plus, do you need a forever home? Some adults want to live in the same spot forever, but it may not be healthy.

For more information on Belmont Capital Advisors or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

In this episode JoePat Roop reveals the "needs" some of this clients are looking for, but aren't being met by other advisors. Plus, what are the benefits of a ROTH IRA, not just for you, but for your family as well.

For more information or to schedule a complimentary consultation, call 704-946-7000 or visit www.belmont-capital.com

In this episode, JoePat Roop weighs the pros and cons of moving to a 4 day work week and why some companies would fold using that model. Plus, what can we learn about retirement planning from the ultra, mega rich 1%?

For more information or to schedule a complimentary consultation, call 704-946-7000 or visit www.belmont-capital.com

In this episode, JoePat Roop details the importance of having a plan and why most adults/pre-retirees are slow to build their retirement portfolio. Plus, Annuities can be overwhelming, JoePat breaks down the good and bad of an Annuity and which ones may be best for your retirement plan.

For more information on Belmont Capital Advisors or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com

One actor is proud that her 10 year old son is actively invested in the market. He follows trends, makes moves and gets upset when his stock drops. JoePat Roop talks about the pros and cons of kids who are financially aware at a young age. Plus, we cover the 2 biggest components of wealth? Do you have these 2 elements that could lead you towards a happy retirement?

For more information on Belmont Capital Advisors or to schedule a complimentary consultation, call 704-946-7000 or visit www.belmont-capital.com

In this episode, JoePat Roop discusses the Fed's chance of flip flopping and sending the wrong message which could trigger a recession. Plus, what is the "10 Year" rule and how is it affecting your inheritance plans?

For more information on Belmont Capital Advisors or to schedule a complimentary consultation, call 704-946-7000 or visit www.belmont-capital.com

In this episode JoePat Roop discusses how Bob Ross was not able to leave his family any of his fortune due to a bad Estate Plan. Plus, with inflation and higher taxes, is it still possible to live off $1M in retirement? Finally, what hard life lesson we can learn from a kids board game.

For more information on Belmont Capital or to schedule a complimentary consultation call 704-946-700 or visit www.belmont-capital.com

In this episode, JoePat Roop discusses ways to adjust your budget so inflation doesn't ruin your summer plans. Plus, some love Crypto, but some call it "Schmuck Insurance". Where are JoePats feelings on the risky investment option?

For more information on Belmont Capital or to schedule a complimentary consultation call 704-946-700 or visit www.belmont-capital.com

In this episode JoePat Roop compares 1958 TV set to financial planning strategies of 2022. Plus, is it time to think about a phased retirement or what if you need to get back into the work force after retirement?

For more information or to schedule a complimentary consultation, call 704-946-7000 or visit www.belmont-capital.com

In this episode JoePat Roop offers simple tips to help fight ongoing inflation and discusses his thoughts on the possibility of a recession. Plus, what's on the mind of the community? What financial issues are causing the phones to ring at Belmont Capital?

For more information or to schedule a complimentary consultation, call 704-946-7000 or visit www.belmont-capital.com

In this episode JoePat Roop discusses the pros and cons of having an annuity when inflation is soaring, plus the importance of having an Estate Plan that secures your legacy and benefits your family. Finally, when you visit Belmont Capital, is it encouraged to bring the whole family? Should the be involved in putting a retirement plan together?

For more information on Belmont Capital or to schedule a complimentary consultation, call 704-946-7000 or visit www.belmont-capital.com

In this episode JoePat Roop discusses Tom Brady's return to the NFL and the steps to take if you want or need to return to work after retirement. Plus, Interest Rates are up, but is there good from all of this and how does this affect the chances of a recession?

For more information on Belmont Capital or to schedule a complimentary consultation, call 704-946-7000 or visit www.belmont-capital.com

We are all feeling the affects of inflation, gas, interest rates, etc. but JoePat has 3 simple ways to get more out of your retirement plan. What does your Medicare plan look like? What small changes need to be made to your portfolio? Finally, what is your tax strategy? If you take a few moments to focus on these elements of your plan, then you could have the maximum potential from your portfolio.

For more information on Belmont Capital or to schedule a complimentary consultation, call 704-946-7000 or visit www.belmost-capital.com

There are a few questions that for some reason or another, we are afraid to ask our financial advisor. Some adults feel like these may be too personal, but truth is, you should never be worried about getting information for the person working side by side on your income plan. What is a fiduciary? How does an advisor get paid? Are they fully licensed? All questions that JoePat is happy to answer.

For more information on Belmont Capital or to schedule a complimentary consultation, call 704-946-7000 or visit www.belmost-capital.com

In this episode JoePat Roop details how to find weakness and exposure in your retirement plan and the easiest corrections to make. Plus, are you comfortable with the risk you are taking in your portfolio? If not, what are the best adjustments to make?

For more information on Belmont Capital or to schedule a complimentary consultation, call 704-946-7000 or visit www.belmost-capital.com