Your Finances Untangled with Moise Piram: Recent Episodes
Moise Piram
Discover essential concepts you need to know in order to maintain a healthy financial position. Moise Piram uses his years of industry experience to help educate and enlighten listeners as well as keep us informed on financial news we need to know.
2023-09-08 Golden Life Podcast with Andrew & Mo
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2023-09-01 Golden Life Podcast with Andrew and Mo
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2023-08-11 Golden Life with Andrew & Mo
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2023-08-04 Golden Life PODCAST with Andrew & Mo
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2023-07-28 Golden Life Podcast with Andrew & Mo
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2023-07-21 Golden Life PODCAST with Andrew and Mo
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2023-07-14 Golden Life Radio Show with Andrew and Mo
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The retirement discussion continues with Andrew and Mo.
Join us for an uplifting and insightful episode as we discuss the transformative power of saving for your future self and the path it creates towards living "The Golden Life."
Reach out to Andrew and Mo at 800-419-6164.
Asset Management Group
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In our latest episode of "The Golden Life" podcast, Mo welcomes Kevin back from his recent trip to Europe, where he shares inspiring reflections on the importance of saving for the future. Join us as we explore how the decisions we make today directly impact our future selves and contribute to living a fulfilling and abundant life.
Kevin's travel experience serves as a powerful reminder of the rewards of diligent savings and financial planning. We delve into the mindset and practical strategies that can help you achieve your long-term goals, ensuring a prosperous and joyful future.
Join us for an uplifting and insightful episode as we discuss the transformative power of saving for your future self and the path it creates towards living "The Golden Life."
Reach out to Andrew and Mo at 800-419-6164 or https://www.assetmg-inc.com/
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Join us for an enlightening episode of "The Golden Life" podcast as we welcome a special guest, Mayor Matt Santini of The City of Cartersville. In this engaging conversation, we delve into the latest developments surrounding the Federal Reserve's decision on interest rates, exploring the potential implications for the economy and investors.
Shifting gears, we tackle the important topic of the investor-advisor gap. Andrew and Mo shed light on the common disconnect that can occur between investors and their advisors. We discuss practical strategies to bridge that gap and ensure alignment between financial goals and plans.
Discover how we engage in deeper conversations with clients, examining their financial plans and personal risk tolerance, including their comfort with risk in cash flow management. Gain valuable insights into the strategies that foster a balanced and growth-oriented approach to risk.
Don't miss this captivating episode of "The Golden Life" podcast, featuring a distinguished guest, Mayor Matt Santini. Tune in for a rich blend of insights, updates, and practical advice to navigate the financial landscape and foster a stronger connection with your financial advisor.
Reach out to Andrew and Mo at 800-419-6164 or https://www.assetmg-inc.com/
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In this episode of "The Golden Life", we come together to celebrate special occasions. Join us as we wish Mo a Happy Birthday and extend warm congratulations to Andrew and Amy on their 16th Wedding Anniversary. It's a time of joy, reflection, and gratitude.
As we delve deeper into the conversation, we explore the crucial topic of risk. Discover how we engage in meaningful conversations with our clients, delving beyond investment risk to assess the overall risk tolerance of their financial plan. We discuss the importance of understanding personal willingness to take risks, not just in investments, but also in cash flow management. Uncover the insights and strategies we employ to ensure a comprehensive and balanced approach to risk in financial planning.
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Welcome to "The Golden Life," the podcast that combines financial wisdom and personal growth to help you create a life of purpose and abundance. In this episode, we dive into recent economic news, including the US Debt Ceiling Agreement and the May Monthly Employment Report, exploring their impact on your financial strategies. Additionally, we delve into Chapter 2 of Arthur Brooks' "From Strength to Strength," uncovering the power of embracing our fluid and crystallized intelligences. Discover how understanding these intelligences can enhance your problem-solving abilities, inform your financial decisions, and foster personal growth. Subscribe now to "The Golden Life" and embark on a transformative journey to unlock your full potential.
Reach out to Andrew and Mo at 800-419-6164 or https://www.assetmg-inc.com/
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In this episode of "The Golden Life," Andrew explores the transformative concept of living with the end in mind. Inspired by a conversation between Andy Stanley and Arthur Brooks, author of "From Strength to Strength," Andrew discusses the importance of finding purpose and fulfillment in our daily lives, rather than postponing our dreams waiting for retirement.
Reach out to Andrew and Mo at 800-419-6164 or https://www.assetmg-inc.com/
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Discover the essential steps for a successful retirement on the latest episode of "The Golden Life" podcast with hosts Andrew and Mo. Listen as Andrew and Mo focus on retirement planning for individuals who are 5-10 years away from this significant life transition. Uncover valuable insights on financial preparation, lifestyle adjustments, and finding fulfillment in retirement. Tune in to gain expert advice and actionable strategies for a golden future.
Reach out to Andrew and Mo at 800-419-6164 or https://www.assetmg-inc.com/
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Join Andrew and Mo for a lively and informative episode of "The Golden Life" podcast, where we kick off with a special celebration—Chuck Nida's birthday! Andrew's father deserves recognition, and we take this opportunity to honor him and share heartwarming stories. They then explore Law #8 from Daniel Crosby's influential book, "The Laws of Wealth": "Excess is Never Permanent." Delve into this thought-provoking principle that reminds us of the transient nature of abundance and the importance of cultivating a balanced approach to wealth. Our panel discusses practical applications of this law and offers actionable strategies to navigate the ever-changing financial landscape.
Reach out to Andrew and Mo at 800-419-6164 or https://www.assetmg-inc.com/
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Discover the keys to financial success in our latest episode of "The Golden Life." Listen as Andrew and Mo explore three essential topics: understanding your personal inflation number, the importance of budgeting, and the latest updates on the US debt ceiling. Learn how personal inflation affects your finances and gain practical tips for managing it. Uncover the power of budgeting and its role in achieving financial stability. Lastly, stay informed about the US debt ceiling and its potential impact on the economy.
Reach out to Andrew and Mo at 800-419-6164 or https://www.assetmg-inc.com/
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On today’s show Andrew and Mo discuss
If you’re nearing retirement, you may wonder what the best retirement income investment is and how you’ll turn your savings into income. There are many factors to consider when choosing retirement investments, including retirement age, savings amount and risk tolerance. Also, how to protect your nest egg during high inflation and raising interest rates
Reach out to Andrew and Mo at 800-419-6164 or https://www.assetmg-inc.com/
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On today’s show Andrew and Mo discuss :
Strategies to maximizing our savings and continue to grow the nest egg and a lesson on the Fed and what they do
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On today’s show Andrew and Mo discus:
That saving for retirement is simple but not easy. Simple because all we have to do is save money. Not easy because it can seem overwhelming. We’ve put together some simple tips that can make a big difference in your retirement and how a solid distribution strategy is so important
Reach out to Andrew and Mo at 800-419-6164 or https://www.assetmg-inc.com/
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On today’s show Andrew and Mo discuss :
How saving early and often can lead to a successful retirement. It sounds simple but it’s not easy. In addition, we’ve got some jaw dropping retirement stats…some good and some not so good.
Reach out to Andrew and Mo at 800-419-6164 or https://www.assetmg-inc.com/
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On today’s show Andrew and Mo discuss:
One of the biggest fears in retirement is running out of money. The good news is there are strategies available to help you get guaranteed income in retirement. The most effective guaranteed income streams are launched well before retirement age. In addition, a startling new study of Americans saving habits
Reach out to Andrew and Mo at 800-419-6164 or https://www.assetmg-inc.com/
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On today’s show Andrew and Mo discuss:
The year saw record breaking inflation combined with volatile markets has many of us looking at our 401(k) and wondering what can I do? Turns out the IRS and the passing of SECURE Act 2.0 has opened at least five ways for us to perhaps recover some losses and may give you a chance to capitalize on the upswing of the market. Also, Annuities can be a smart investment – for the right person under the right circumstances. They are neither a financial cure-all nor an investment that should be viewed as taboo.
Reach out to Andrew and Mo a t800-419-6164 or
https://www.assetmg-inc.com/
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On today’s show Andrew and Mo discuss :
RMD’s to potential taxes on Social Security can really stress your retirement nest egg. Today, we tackle it head on and offer some suggestions on how to minimize them. Also, some key dates and milestones you’ll need to keep in mind as you enter retirement
Reach out to Andrew and Mo at 800-757-6062. or.
https://www.infinitewealthadvisors.com/
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On today's show Andrew and Mo discuss how taxes could potentially take a bite out of your retirement savings. Also, they'll make sure you're up to speed on the SECURE ACT 2.0
Reach out to Andrew and Mo at 800- 419-6164 or https://www.assetmg-inc.com/
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On today's show Andrew and Mo review The SECURE Act 2.0 which was signed just before the New Year, bringing big changes for folks from every phase and stage of their retirement planning journey. Just in case you missed the game… don’t worry because we’ve got the highlights for you. Also,
A brand-new year marks a fresh new beginning. With the New Year comes new resolutions to work out, save money, quit smoking, lose weight, get a raise or promotion... and the list goes on from there. Yet around 75% of New Year’s resolutions are abandoned by February.
The best way to prevent this phenomenon of resolution fatigue is by using a systematic approach and with that in mind, let’s start with a 2023 financial planning checklist.
Reach out to Andrew and Mo at 800-419-6164 or https://www.assetmg-inc.com/
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On today's show Andrew and Mo discuss ways to help you with your retirement plans for 2023 and also focus on how to help Women retirees
Reach out to Adam and Mo at 800-419-6164 orhttps://www.assetmg-inc.com/
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On today's show Andrew and Mo discuss how solid planing can help you retire in a bear market. Also, ways to grow that retirement income
Reach out to Andrew and Mo at 800-419-6164 o at rhttps://www.assetmg-inc.com/
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On today's show Andrew and Mo discuss on dealing with inflation and higher interest rates. Also setting up a spending plan for 2023.
Reach out to Andrew and Mo at 800-419-6164 orhttps://www.assetmg-inc.com/
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Getting to retirement can sometimes feel like running an obstacle course. The problem, the obstacles are getting bigger, and time is running out. A recent survey by Schwab Retirement Plan Services shows 44% or four in ten said they have altered their 401(k) investing even though they say that it going to be their primary sources of retirement income.
Reach out to Andrew and Mo at 800-419-6164 or https://www.assetmg-inc.com/
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On today's show Andrew and Mo discuss what on everyone mind during the holidays. Inflation and raising interest rates. In addition, sad but true companies are laying off employees during the holidays.
Reach out to Andrew and Mo at 800-419-6164 or https://www.assetmg-inc.com/
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On today's show Andrew and Mo discuss ways to help reduce your tax burden once you retire, and free up more money for expenses and fun. Try giving income planning a try.
Reach out to Andrew and Mo at 800-419-6164 or https://www.assetmg-inc.com/
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On today's show Andrew and Mo discuss the fact that there are many economists predicting a recession in the next 12 months. Is it time to take stock of your current plan? What should you be doing, if anything to weather the current financial storm.
Reach out to Andrew and Mo at 800-419-6164 orhttps://www.assetmg-inc.com/
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On today's show Andrew and Mo discuss the fact that there are many economists predicting a recession in the next 12 months. Is it time to take stock of your current plan? What should you be doing, if anything to weather the current financial storm.
Reach out to Andrew and Mo at 800-419-6164 orhttps://www.assetmg-inc.com/
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On today's show Mo and Andrew discuss the do's and don'ts for investing for retirement. Also, they'll take a look at four major financial gaps that can have a serious impact on your retirement planning.
Reach out to Mo and Andrew at 800-419-6164 orhttps://www.assetmg-inc.com/
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On today's show Mo and Andrew discuss the do's and don'ts for investing for retirement. Also, they'll take a look at four major financial gaps that can have a serious impact on your retirement planning.
Reach out to Mo and Andrew at 800-419-6164 orhttps://www.assetmg-inc.com/
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On today's show Mo and Andrew discuss the Social Security cost of living adjustment.The COLA for next year marked the largest increase in over four decades at 8.7%.. not since 1981 has there been such a large Social Security adjustment. What does this mean for retirees and pre-retirees alike? We spend most of our careers accumulating money for retirement. Once we hit that financial red zone the focus has to shift to decumulation. Let’s break that down and explore some ways to do it correctly.
Reach out to Mo and Andrew at 800-419-6164 0r https://www.assetmg-inc.com/team/andrew-nida
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On today's show Mo and Andrew discuss the Social Security cost of living adjustment.The COLA for next year marked the largest increase in over four decades at 8.7%.. not since 1981 has there been such a large Social Security adjustment. What does this mean for retirees and pre-retirees alike? We spend most of our careers accumulating money for retirement. Once we hit that financial red zone the focus has to shift to decumulation. Let’s break that down and explore some ways to do it correctly.
Reach out to Mo and Andrew at 800-419-6164 0r https://www.assetmg-inc.com/team/andrew-nida
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Andrew and Mo cite results of a J.D. Power study that revealed some pitfalls of utilizing digital resources in planning your own retirement. They break down the advantages and, in their opinion, the necessity of working with a professional to build and maintain your retirement. They also go over some of the “curveballs” of retirement in the form of unexpected expenses and then offers strategies to stay on track in the current economic environment.
You can reach Andrew Nida and Mo Piram by calling 855-792-5855.
Asset Management Group
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Andrew and Mo cite results of a J.D. Power study that revealed some pitfalls of utilizing digital resources in planning your own retirement. They break down the advantages and, in their opinion, the necessity of working with a professional to build and maintain your retirement. They also go over some of the “curveballs” of retirement in the form of unexpected expenses and then offers strategies to stay on track in the current economic environment.
You can reach Andrew Nida and Mo Piram by calling 855-792-5855.
Asset Management Group
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Andrew and Mo discuss reasons why some may decide or need to delay their retirement start date. Reasons include having not saved enough, not accounting for taxes, relying exclusively on Social Security, and sequence of returns risk. They also go over some last-minute financial moves you can consider before launching your retirement. Those include reducing portfolio risk, maximizing 401(k) contributions, planning your Social Security and Medicare strategies, and exploring long-term care protection options. Andrew and Mo then show how we need to factor in longevity to avoid some risks that can come with that including too much risk, outdated withdrawal strategies, and improper rollovers.
You can reach Andrew Nida and Mo Piram by calling 855-792-5855.
Asset Management Group
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Andrew and Mo discuss reasons why some may decide or need to delay their retirement start date. Reasons include having not saved enough, not accounting for taxes, relying exclusively on Social Security, and sequence of returns risk. They also go over some last-minute financial moves you can consider before launching your retirement. Those include reducing portfolio risk, maximizing 401(k) contributions, planning your Social Security and Medicare strategies, and exploring long-term care protection options. Andrew and Mo then show how we need to factor in longevity to avoid some risks that can come with that including too much risk, outdated withdrawal strategies, and improper rollovers.
You can reach Andrew Nida and Mo Piram by calling 855-792-5855.
Asset Management Group
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Andrew Nida and Mo Piram break down the "hidden tax" of inflation and what should be considered in retirement planning as well as your approach to risk during times of volatility and, for that matter, anytime.
You can reach Andrew and Mo by calling 855-792-5855.
Asset Management Group
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Andrew Nida and Mo Piram break down the "hidden tax" of inflation and what should be considered in retirement planning as well as your approach to risk during times of volatility and, for that matter, anytime.
You can reach Andrew and Mo by calling 855-792-5855.
Asset Management Group
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Mo covers Secure Act 2.0 as it stands now and the proposed changes which could affect the strategies of retirees and the savings of workers. He looks at everything from the requirement to automatically enroll new employees to a 401(k) to proposed raising of the RMD age and decreasing the penalty for missing a required minimum distribution. Mo also looks at strategies to consider to make sure you can get through your retirement and ease the fear of running out of money.
CloudVestors
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Mo covers Secure Act 2.0 as it stands now and the proposed changes which could affect the strategies of retirees and the savings of workers. He looks at everything from the requirement to automatically enroll new employees to a 401(k) to proposed raising of the RMD age and decreasing the penalty for missing a required minimum distribution. Mo also looks at strategies to consider to make sure you can get through your retirement and ease the fear of running out of money.
CloudVestors
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Mo breaks down the data from a Kiplinger-ATHENE poll of just over 800 Americans asking their thoughts on retirement. Results include their feelings on stock market volatility, Social Security, inflation, the threat of running out of money, and what they see as sources of income. He then moves into the complexity of required minimum distributions and what you should consider to avoid potential higher taxes, higher Medicare premiums, and a stiff penalty.
CloudVestors
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Mo breaks down the data from a Kiplinger-ATHENE poll of just over 800 Americans asking their thoughts on retirement. Results include their feelings on stock market volatility, Social Security, inflation, the threat of running out of money, and what they see as sources of income. He then moves into the complexity of required minimum distributions and what you should consider to avoid potential higher taxes, higher Medicare premiums, and a stiff penalty.
CloudVestors
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Mo covers challenges you could face down the road in your life if all of your investment savings are in tax deferred accounts. He looks at implementing a tax bucketing strategy to include taxable, pre-tax, and tax-free. We're all feeling inflation now but in the second segment Mo offers strategic tips to combat would could be pain felt later due to rising interest rates.
CloudVestors
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Mo digs into the Student Debt Relief Plan with an initial look at the different components and who it could affect. He covers the extension of the loan payment pause, the debt relief and who could be eligible, and the public service loan forgiveness.
CloudVestors
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Mo takes an initial look at the Inflation Reduction Act in dissecting the legislation that is now law and discusses short and long term effects and what it could mean for you.
CloudVestors
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Mo looks at a BlackRock survey of nearly three-thousand savers describing their go to savings and investment vehicles. He discusses ETF's, Annuities, Individual Securities, Mutual Funds, Cash, and speculates on what could have fallen into the "other" category.
CloudVestors
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Mo explores the reason why many retirees are considering returning to the workforce of making the decision to do so. Is it rooted in emotion and fear caused by the economy, grounded in reality, or both? He also offers good tips and strategies to follow to keep your retirement in tip top shape.
CloudVestors
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Are we in a recession? Mo discusses the conventional definition of recession and how we arrived at our current economic condition as well as how it compares to downturns of the past. He talks about high inflation and rising interest rates. In the first segment, Mo sets the stage for the current state of our economy. In the second podcast segment, he outlines some strategies people should consider to combat recession and inflation in all stages of their financial lives. Mo focuses on how strategies can differ from ages 35 to 50 and then to 65.
CloudVestors
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The first segment of the podcast centers around sustainable investing and ESG (Environmental, Social, and Governance.)
Mo discusses what motivates people to look into this type of investing and including investments that meet the ESG criteria.
The second segment includes a general conversation on the economy now and what the future holds for employment with technology and AI.
CloudVestors
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Mo talks inflation on this episode. How did we get here at 9.1 percent at the time of the recording? What are possible solutions as far as our national economic outlook?
Most importantly though, what are strategies we can employ to combat inflation in our personal lives. Mo discusses analyzing your own personal rate of inflation factoring in the number of people in your household, the number of vehicles you own, and even the length of your commute. He says it's important to know your own rate before looking at strategies.
He then moves into strategies including cutting where you can but also looking at growth aspects on your income side.
https://cloudvestors.com
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Mo covers the considerations that need to be given in properly structuring your portfolio. He looks at determining a proper risk balance and based on where you are in life. He also talks about the different components that make up a portfolio from cash to investments, ETFs to Mutual Funds and other tools to consider. Visit www.cloudvestors.com.
CloudVestors
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It's time for that mid-year financial review. Mo covers what should be and is considered by Cloud Vestors when meeting with their clients to review their strategies. Topics covered include tracking your budget and spending, your savings, tax strategies, and your retirement moves whether you're in the accumulation or distribution phase of your life.
CloudVestors
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It's the 2nd year anniversary podcast celebration. Everyone joins in the party for podcast 104!
At the same time, the business of untangling your finances continues as Mo discusses fortifying your portfolio to withstand the storm of our current economy. What are strategies to help combat inflation, the bear market we're in, rising interest rates, and possible recession. That's the conversation on this episode.
CloudVestors
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Mo looks at three age groups:
Mid 20s, Mid 30s, and Mid 40s
He looks at what they have and have not experienced in the financial world during the time they've been involved in it and goes over what strategies they should consider now given the current economic climate.
CloudVestors
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Mo covers the generations in this podcast. He especially focuses on those in the "sandwich generation" who are saving for retirement and possibly assisting their parents and their children at the same time. He offers some good strategies and things to consider in making sure you maintain your savings momentum while still helping those in your family. The conversation then turns to what the future will hold as people are living longer.
CloudVestors
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Mo discusses the challenges faced by retirees and soon to be retirees now with the changing economic landscape. He covers strategies to consider in helping you stay on course. Market volatility, inflation, sequence of returns risk, and cash flow are part of the conversation.
CloudVestors
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Mo explains the difference between a market correction and a bear market: what constitutes each and how long have each historically lasted?
He also discusses what to consider with your investment strategy during a bear market such as a diversification reevaluation, what performs well in a bear market, if there are any strategies you wouldn't normally consider as seriously in a bull market, and if there are any bargains.
CloudVestors
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Mo covers required minimum distributions today: When do you take them? How do you take them? What's the penalty if you miss one? What are the pros and cons of taking them at the end of the year, right away, or spacing them out through the year?
It's all covered in this podcast.
CloudVestors
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Moise Piram explores the pros and cons of running to safety with I-Bonds and TIPS (Treasury Inflation-Protected Securities) during times of high inflation and market volatility.
CloudVestors
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Mo Piram of CloudVestors and cloudvestors.com addresses the volatile times we are experiencing in the markets in 2022. He explains why we are here and how we should react while warning against making emotional decisions. Mo also talks about the need to explore safer strategies and proper diversification during high volatility to help cut down on your risk.
CloudVestors
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Mo covers Roth IRA and its use as a proactive tax strategy plus other ways to utilize Roth in your overall financial plan.
CloudVestors
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Mo covers the issue of trust in the relationship between financial advisor and client. He covers knowledge, integrity, proper communication, and acting in the client's best interest. He also notes that there needs to be an element of trust in the client's follow through with recommendations.
CloudVestors
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Mo is in a travel frame of mind as he records the podcast on his family vacation. He talks about the things to consider when planning the getaway such as accommodations, mode of travel, and basically where your budget allows you to go. He also talks about planning ahead and saving for the vacation to eliminate overuse of the credit card.
CloudVestors
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Mo talks to anyone who may have an interest in using a robo-advisor in their investment life. He explains for whom and how they should possibly approach this. He also explores factors such as the amount of money to invest and complexities of your financial life as he suggests taking a piecemeal approach. He also extols the values of working with a human being who would have a better sense of your personal approach such as your risk appetite.
You can learn more about CloudVestors and reach out to Moise Piram and the team by visiting the website below.
CloudVestors
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Mo offers tips on identifying your financial goals and documenting them. He also covers how to track your progress in your overall financial goals and in each individual one.
Vist the CloudVestors website below for more information on the firm and to schedule an appointment.
CloudVestors
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Mo goes crypto with a look at the growing interest in cryptocurrency. Is it something you should consider? Should you have a firm grasp of it first? Mo answers these questions along with looking at how you should approach cryptocurrency in your financial plan.
You can learn more about CloudVestors and reach out to Mo by checking out the website below.
CloudVestors
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Mo explains the difference between a market crash and a market correction and talks about how to fortify your portfolio in the event of either. He talks about the factors that determine whether or not we are in a recession and again covers various strategies to employ depending on your age and your appetite for risk.
You can reach Moise Piram at the CloudVestors website below.
CloudVestors
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We'll wrap up first quarter 2022 at the end of March. Mo goes over your first quarter report card. Topics discussed include your credit, your budget, tax preparation, and how to strategize in the midst of high inflation and market volatility.
You can reach Moise Piram and the CloudVestors team at the website below.
CloudVestors
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Mo talks about the Russian invasion of Ukraine and how it has and could impact the markets and the U.S. economy. He addresses what you should consider as you review portfolio. You can contact Moise Piram and the team by visiting the CloudVestors website below.
CloudVestors
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We're going through times of volatility and it's creating a lot of uncertainty. What moves should you consider in your financial life to play the cards we're being dealt? Mo covers some good moves and strategies to possibly employ with volatility in the markets and high inflation. The conversation spans the different periods of a person's financial life.
You can reach Moise Piram and the team by visiting the website below.
CloudVestors
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Mo covers things to consider to foster a harmonious financial relationship for couples. He stresses the importance of openness and proper communication so couples can be on the same page. Mo talks about shared financial goals, investment strategies, family planning, legacy planning, and how to break down the finances between joint accounts and separate accounts.
CloudVestors
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We're seeing it. Inflation like we haven't seen in decades. How do we combat high inflation? How do we not let it eat away at our savings and stop it from interrupting our investment strategies. Mo takes at look at possible solutions and also talks about ways to play the investment game with the cards we've been dealt.
CloudVestors
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What has caused the volatility in the markets so far in 2022? Mo explains the uncertainty of the actions of the Fed regarding interest rates, inflation, and even world events and the role of each in making the markets jittery. He also looks ahead for the rest of 2022 and talks about how he feels about the rest of the year.
CloudVestors
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Mo takes a look at economic indicators for 2022 such as the stock market, inflation, interest rates, unemployment, and more. He also takes a look at what strategies should be considered in light of these financial factors.
CloudVestors
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Mo covers what to expect for 2021 taxes including income brackets and rates for 2021 and looking ahead to 2022. He also discusses the standard deduction, deductions and credits available, charitable deductions, and more. Mo also talks about the IRA strategy still available for 2021 and proactive strategies looking ahead to 2022.
CloudVestors
Tax Season 2022: What You Need To Know (And Looking Ahead to 2023) | RamseySolutions.com
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On the eve of 2022, Moise Piram takes a look back at the big financial stories of 2021. Topics include the GameStop phenomenon, the coming of age of cryptocurrencies, high inflation, and a red hot housing market.
You can reach Moise Piram and the team at CloudVestors by visiting the website below.
CloudVestors
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Mo has some great ideas to consider when making your financial resolutions for 2022. Topics covered include developing a serious spending plan, considering refi, eliminating debt, and boosting your retirement savings.
CloudVestors
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Mo takes your portfolio to the financial doctor for an annual checkup. The topic is the annual review of your portfolio and what should be examined at the end of the year including your diversification, your risk, and your goals moving forward. Mo also talks about the need to check your performance over the last year and the make sure no deadlines are missed including tax opportunities and required minimum distributions if you are 72 or older.
CloudVestors
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Mo discusses several efficient ways to use your Christmas bonus. Some of the options include paying off debt, shoring up your emergency fund, and even using it to max out your 401(k). See the link below for a Dave Ramsey article addressing this same subject.
CloudVestors
https://www.ramseysolutions.com/saving/christmas-bonus-smart-ways-to-make-it-count
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Mo covers financial items to check off your to do list at the end of the year. He also stresses this is a great time to assess your financial strategies. Mo encourages checking your spending over the year, evaluating your saving methods, your debt payoff moves, and any tax deadlines you may face.
You can reach Moise Piram and the team at Cloud Vestors by visiting www.cloudvestors.com.
CloudVestors
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Mo offers tips on gift buying for the holidays and how to not let it bust your budget. He suggests a gift buying budget, saving ahead of time, and some things to consider when you find a better deal than your original budget anticipated.
CloudVestors
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Mo runs down a good list to compile when you are nearing retirement. This list includes determining your retirement age, your Social Security claiming age, strategies involving your pension, building a personal pension, health and long term care protection, and estate planning.
Moise Piram and the team are ready to help you no matter where you are in your financial life.
CloudVestors
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Mo discusses the recently released changes to contribution limits for those with a 401(k), IRA, SEP, Simple, Solo 401(k) and what was increased and what wasn't. He also discusses the Social Security cost of living adjustment for 2022 and the increase in the salary amount that would make the salary for the rest of the year exempt from payroll tax that funds Social Security.
CloudVestors
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Mo goes over what to consider when investing in funds. What's in mutual funds? He breaks down the choices such as domestic large cap funds or international small cap growth mutual funds. Mo talks about considering the overall objective and he delves into cost and how to watch for fees.
CloudVestors
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Mo breaks down the 4 percent rule. What is it? How does it work? Does it work? If so, what rules should you follow and make sure you don't break. What are the alternatives in your withdrawal strategies? Mo covers it all and untangles the 4 percent rule.
CloudVestors
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Mo looks at the things you should consider during the open enrollment period for your employer sponsored health plan. Should you keep it as it is or is it better to take a look at changes in your life and in the plan? He looks at the options of high deductible versus higher premiums, HSAs, and dental and vision.
CloudVestors
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Projections show that Social Security's trust funds will face challenges in 2034 in their ability to pay full benefits. Mo looks at the options to face those challenges including raising the payroll tax, an income donut hole, raising the full retirement age, or making changes to the percentage of Social Security benefits subject to taxation.
CloudVestors
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Mo discusses what you should consider in helping to determine if you are ready to retire. What's your target date? Do you have multiple streams of income in place? He also covers Social Security maximization, estate planning, proactive tax strategies, and the importance of planning for a long term retirement.
CloudVestors
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Mo breaks down the IRA and mistakes to avoid in your strategies. He also discusses tax strategies including whether to go all traditional, all Roth, or a blend of both.
CloudVestors
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Mo pulls back the curtain and explains the inner workings of proper financial planning throughout your adult life.
CloudVestors
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Social Security: When to take it How to maximize your benefits Strategies for the surviving spouse A look back at the history
All discussed by Moise Piram in this episode.
CloudVestors
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Moise Piram explains how at least certain components of estate planning should be considered during earlier times of your life than you may think. It's not a cookie cutter approach but he covers the different aspects including wills, living wills, powers of attorney, and even setting up guardians for your children.
CloudVestors
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We're seeing it. We're talking about it. It's inflation. In this episode, Moise Piram covers inflation. What is it? What's making it spike? How do you protect yourself against inflation? That's covered in this podcast.
CloudVestors
https://www.ramseysolutions.com/retirement/what-is-inflation
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In this episode, Moise Piram talks about getting a financial plan. We hear it talked about a lot but in broad terms. Mo covers more specifics on financial planning and how the strategies can change in your plan over time.
CloudVestors
800-419-6164
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In this episode, Moise Piram talks about the importance of doing periodic financial reviews to make sure you're on track throughout your life and especially in reaching the ultimate goal of successful retirement.
CloudVestors
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In this episode, Moise Piram talks about ways you can start and fund an IRA for your child or grandchild if they have earned income.
CloudVestors
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This is Moise Piram's special wedding day podcast. As he prepares for his wedding day, he discusses the wedding day budget and offers tips on how to pay for the different services that are involved in the big day.
CloudVestors
https://www.theknot.com/content/wedding-budget-ways-to-save-money
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In this episode, Moise Piram talks about the differences between an ETF and a mutual fund. He discusses the benefits of each and any potential disadvantages.
CloudVestor
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In this episode, Moise Piram discusses the proper strategies for a successful retirement with the right investment and tax moves and a good income plan.
CloudVestors
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In this episode, Moise Piram talks about passive income. That's income you can build with little to no ongoing effort.
CloudVestors
https://www.ramseysolutions.com/retirement/what-is-passive-income
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In this episode, Moise Piram shows how to maximize your income. He explains how to be smart with your money implementing the right practices and strategies.
CloudVestors
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In this episode, Moise Piram clears up some misconceptions over estate planning. He explains what is best for whom and that's it's. not. just for the very wealthy.
CloudVestors
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In this episode, Moise Piram shares concerns he has about mistakes that are made in the financial universe and also offers solutions.
CloudVestors
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In this episode, Moise Piram explains why this may be the time to seriously consider Roth conversions and he covers the strategies in doing these conversions.
CloudVestors
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In this episode Moise Piram discusses legislation making its way through Congress. Mo runs down some of the provisions of Secure Act 2.0 and how it could affect savings habits of workers and retirement planning.
CloudVestors
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As we are starting to see prices go up, Moise Piram covers inflation and how it can affect your financial life and your portfolio.
CloudVestors
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In this episode, Moise Piram points out financial moves you should make and opportunities that exist through the different phases of your life.
CloudVestors
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In this episode Moise Piram explains the differences between term and whole life insurance and which may be best for you.
CloudVestors
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In this episode Moise Piram hosts a big party for the 50th episode. He also breaks down the traditional and Roth 401(k) and discusses which is better for you or should you be in both.
CloudVestors
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We're all human and we all make mistakes but in this episode Moise Piram covers financial mistakes to avoid in your life.
CloudVestors
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In this episode Moise Piram breaks down wills and trusts. He covers how to make a will as well as the difference between revocable and irrevocable trusts and who would be better suited for either.
CloudVestors
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In this episode Moise Piram discusses ten "deadly financial sins" to avoid throughout your financial life.
CloudVestors
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In this episode Moise Piram offers solid financial strategies in your personal financial life. He covers everything from how to create a budget to having proper insurance, saving for retirement, eliminating debt, and much more.
CloudVestors
https://www.daveramsey.com/blog/the-basics-of-personal-finance
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In this episode Moise Piram discusses debt to income ration: How to calculate yours, what creditors are looking for, and the best methods for eliminating your debt.
CloudVestors
https://www.daveramsey.com/blog/how-the-debt-snowball-method-works
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In this episode Moise Piram discusses whether or not it's a good idea to invest in a time share.
CloudVestors
https://www.daveramsey.com/blog/what-is-a-timeshare
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In this episode Moise PIram discusses finances in relationships from dating to the wedding day and throughout the marriage.
CloudVestors
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In this episode Moise Piram discusses the process of leasing a vehicle and whether or not it's a good idea.
CloudVestors
https://www.daveramsey.com/blog/how-does-a-car-lease-work
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In this episode Moise Piram lays out the spending plan pie for your life and explains how to slice it in the most efficient way.
CloudVestors
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In this episode Moise PIram offers suggestions on filing your taxes properly and what could put you in jeopardy of being audited.
CloudVestors
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In this episode Moise Piram discusses strategies involving Social Security, how to maximize, and gives some facts you may not be aware of. He shares some interesting stories on Social Security and discusses the history of this benefit.
CloudVestors
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In this episode Moise Piram goes over the steps in buying stocks and getting in the investment game. He covers everything from determining which platform to use, doing your research, and managing your portfolio.
CloudVestors
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In this episode Moise PIram goes through the year month by month and discusses some of the financial moves you should be making.
CloudVestors
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In this episode Moise Piram talks about how the money universe changes with each generation including how we are transitioning into a cashless society. Moise also discusses some of Dave Ramsey's tips on teaching finances to kids from pre-school to high school.
CloudVestors
https://www.daveramsey.com/blog/how-to-teach-kids-about-money
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In this episode Moise Piram talks about the process of setting up an estate plan.
CloudVestors
https://www.cnbc.com/2021/01/03/cant-afford-an-estate-plan-what-to-do-without-spending-a-fortune-.html
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What can you do to firm up your financial plan for 2021? In this episode Moise Piram discusses resolutions for the new year.
CloudVestors
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In this episode Moise Piram looks back at 2020 and lessons we learned and shows how we can put those lessons learned into positive action for 2021.
CloudVestors
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In this episode Moise Piram offers good advice for those interested in investing in IPOs.
CloudVestors
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In this episode Mo Piram explains the benefits of having an expert along with you as you navigate through your financial life.
CloudVestors
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In this episode Moise Piram guides you through the proper steps and strategies to help you lead a life of financial security. He also spells out what you should be doing in your financial strategies in each decade of your adult life leading to retirement.
CloudVestors
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In this episode Moise Piram focuses on pre-retirees and the options they have when the volatility of this year has made them nervous. He offers a breakdown of the different kinds of annuities.
CloudVestors
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In this episode Moise Piram discusses successful traits common among individuals who enjoy a high net worth.
CloudVestors
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In this episode Moise Piram goes over the options self-employed people have in planning for their retirement. He covers the IRA from Traditional to Roth, SEP, and Simple. He explains the advantages of each of those as well as the Solo 401(k) and the Defined Benefit Plan. Moise shares a link to a Nerd Wallet article with a common theme.
CloudVestors
https://www.nerdwallet.com/article/investing/retirement-plans-self-employed
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In this episode Moise Piram covers things you did or didn't do in 2020 that could have tax implications in 2021.
CloudVestors
https://www.cnbc.com/2020/11/05/you-may-need-to-set-aside-money-for-taxes-if-youve-taken-these-steps.html
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In this episode Moise Piram, recording the day after the 2020 elections, takes a look back at the volatility of the markets in October and offers a snapshot analysis of the markets the day after election and looking ahead.
CloudVestors
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In this episode Moise Piram warns of common Medicare mistakes that can be made. This was recorded during Medicare open enrollment.
CloudVestors
AARP-10 Common Medicare Mistakes
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In this episode Moise Piram discusses what should be covered in your annual financial review and checkup.
CloudVestors
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In this episode Moise Piram offers information on FAFSA (the Free Application For Federal Student Aid.)
He covers all of the help available and guides you through the process.
CloudVestors
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In this episode Moise Piram discusses portfolio strategies to consider before the Presidential election.
CloudVestors
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In this episode, Moise Piram gives reasons why September normally is not the best month for Wall Street and why September 2020 was particularly bad.
CloudVestors
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In this episode Moise Piram looks at the upcoming Presidential election and discusses the possible effects on the financial world.
CloudVestors
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In this episode, Moise Piram covers retirement mistakes to avoid and offers some helpful tips in loosening those purse strings some in retirement.
CloudVestors
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Moise Piram goes over the differences between term and permanent life insurance policies and how he can help determine what's best for you.
CloudVestors
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Moise Piram discusses all the components of proper estate planning including assessing all of your assets, the will, naming of the financial and medical power of attorney, living trust, and living will.
CloudVesters
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Moise Piram covers the financial and emotional effects of life after divorce and after losing a spouse.
CloudVestors
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Moise Piram discusses common financial mistakes people make in their 20s and how to avoid them. This covers everything from starting a savings plan to building credit.
CloudVestors
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Moise offers information on all the college savings vehicles and makes suggestions on the most efficient.
CloudVestors
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Moise offers suggestions on what to do with retirement savings from your former employers with strategies and what he thinks is the best option.
CloudVestors
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Moise debunks common myths associated with retirement and Social Security.
Cloud Vestors
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Moise covers mistakes to avoid in retirement planning, proper 401(k) strategies, and tips on finding the right financial advisor.
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Moise goes over some good times in your life to make sure you have a professional financial advisor at your side. He also explains some fees that you should be aware of.
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Moise goes over the mid-year financial review process. It includes revisiting your savings and your retirement accounts. He also says it's a good idea to develop strategies for eliminating debt and the proper tax moves to make. He says this is a great time to see if changes need to be made to your estate planning.
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Moise discusses long term care and how, because we are living longer, the chances of needing in some form have increased. He also goes over your options in coverage including long term care insurance, life insurance options, and annuities.
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Moise shares some proven plans to save properly. He also offers tips for beginner investors.
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Moise discusses the differences between robo advising and traditional financial advising. He also explains how the firm Cloud Vestors blends the best of the two.http://cloudvestors.com/
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Moise Piram talks about debt and credit scores. He goes over steps you can take to monitor and improve your credit score.
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Moise Piram of Cloudvesters offers tips to make sure you can retire when you want to retire. He also faces the not so pretty truths about retirement and offers solutions.
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In this episode Moise Piram covers the best way to personally maximize your social security benefits. He also discusses how to benefit in taxes later with the proper implementation of Roth conversions.
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