WOW Me! - Women on Wealth Management Education: Recent Episodes
Keystone Capital Management Group
Everything you wanted to know about financial planning but were afraid to ask!
The all-women team at Keystone Capital Management Group wants to empower you to lay the foundation to your financial success.
The best time to start preparing for your retirement is NOW! So . . . What's Your Question? If you don't ask, you'll never know!!
Email us at team@keystonegroupaz.com and we'll answer it on an upcoming show..
25 Quick Minutes on Important Facts and Things to know about BONDS including:
- What kind of bonds can be cashed in?
- What happens if bonds are lost?
- What happens to uncashed bonds when you die?
Presented by Kim Dyer, Financial Advisor
25 quick minutes on important facts and things to know about LinkedIn including:
- How to leverage the capabilities of LinkedIn
- Understand how to0 get better referrals and introductions from existing LinkedIn connections
- Ho to expand your presence and brand (personal or professional) on LinkedIn
25 Quick Minutes on Important Facts and Things to know about SOCIAL SECURITY BENEFITS including:
- When to file for your social security benefits.
- Why it is important to establish an online account with the Social Security Administration.
- Clarification on spousal benefits and how to claim them.
Presented by Pamela Prine, Financial Advisor and NSSA® Certifcate Holder (National Social Security Advisor)
25 Quick Minutes on Important Facts and Things to know about Scams including:
- Anatomy of a Scam
- Scam Statistics AZ and US
- Scam Protection Tips and Tools
P resented by Joyce Petrowski, R.O.S.E. Founder
25 Quick Minutes on Important Facts and Things to know about AUTOPSIES including:
- What is a Postmortem Exam?
- What Determines if an Autopsy is necessary?
- Can I Request an Autopsy?
- Answers to other Frequently Asked Questions
Presented by Sean Thompson, Funeral Director
25 Quick Minutes on Important Facts and Things to know about TRUSTS including:
- The difference between Revocable and Irrevocable Trusts
- Why even though a Trust is great, it may be too much for some people (think trust funding)
- Pour Over Will – what it is and what it isn’t?
Presented by Healther L. Fish, Licensed Fiduciary
25 Quick Minutes on Important Facts and Things to know about a Donor-Advised Fund including:
- Mandatory ROTH Catch-Up Rule
- Beneficiary Payout Rules
- Little Known Nuances of IRA Account Rules
Presented by Kim Dyer, Financial Planner and Ed Slott Seminar Attendee
25 Quick Minutes on Important Facts and Things to know about a Donor-Advised Fund including:
- What is a Donor-Advised Fund?
- The Benefits of a Donor-Advised Fund
- How a Donor-Advised Fund Works
Presented by Eugene Choi, Dunham Investment Firm
25 Quick Minutes on Important Facts and Things to know about Life Insurance Policies including:
- What is a Life Settlement? How it Started vs How’s it Going?
- Reasons to Consider Selling Your Life Policy
- Does Your Policy Qualify?
Presented by Dan Brown, Abacus Life
25 Quick Minutes on Important Facts and Things to know about Estate Planning including:
- The Importance of having an Estate Plan
- Where to Start to Create Your Estate Plan
- Available Estate Planning Resources
Presented by Jodi Vosika, Legal Assistant
25 Quick Minutes on Important Facts and Things to know about Funeral Services including:
- Pre-Fund, Pre-Plan, Pre-Arrange – What’s the Difference?
- Reasons Why to Pre-Plan in Advance
- 3 Steps to Pre-Planning
Presented by Sean Thompson, Funeral Director
25 Quick Minutes on Important Facts and Things to know about the SECURE Act including:
- New Distribution Rules
- New Accumulation Rules
- Revised ROTH Rules
Presented by Kim Dyer and Pam Prine, Financial Advisors
Is credit card debt good or bad? How much credit card debt is too much? Should I pay off my credit card immediately or over time? It depends! Join Kim Dyer, Financial Advisor, as she helps you navigate the wild, wonderful world of credit cards.
25 Quick Minutes on Important Facts and Things to know about RUFADAA including:
- What authority do Executors have over the content of electronic communications (private email, tweets, chats).
- What type of permission is needed through a will, trust, or power of attorney to overpower a custodians terms of service agreement?
- What kind of accounts and assets can custodians give access to?
Presented by Ciara Lister, Attorney
25 Quick Minutes on Important Facts and Things to know about Home Care including:
- The Importance of Home Care
- How to Determine if Home Care May be Needed
- How Home Care Fits into a Senior's Aging Journey
Presented by Vicki Castleman, Home Instead
Many people choose to have a Trust over a Will to avoid probate. However, a crucial mistake made by many is not to "fund" your trust. Join Kim Dyer, Financial Advisor, as she goes over the who, what, why and how to get your Trust funded.
25 Quick Minutes on Important Facts and Things to know about Social Security including:
- Understanding Social Security Issues as they May Relate to You
- How to Maximize Social Security Benefits
- How to Read Your Social Security Statement
Presented by Jim Blair, Premier Social Security Consulting
25 Quick Minutes on Important Facts and Things to know about the 2022 Financial Market including:
- Are we in a recession or will we be?
- Some insights from past experience
- This maybe a time for opportunity
Presented by Pam Prine, Financial Advisor, Keystone Capital Management Group
25 Quick Minutes on Important Facts and Things to know about your home equity including:
- Minimum FICO Score Needed to Leverage
- Understanding Loan to Value Ratio
- Payment on a HELOC
Presented by Daniel Baugh, Senior Loan Officer, Flagstar Bank
25 Quick Minutes on Important Facts and Things to know about Medicare Enrollment including:
- When Can You Make Changes to Your Medicare Plan?
- Has anything changed in your health over the past year and how might this effect your plan?
- Is Your Current Plan Still the BEST Plan for You?
Presented by Stacey Sabo, Sabo Medicare Solutions
25 Quick Minutes on Important Facts and Things to know about Capital Gains and tax mitigation including:
- Intermediated Installment Sale
- Charitable Remainder Trust
- Donor Advised Fund
Presentation by Brandon Mather, Regional Director, Dunham & Associates
25 Quick Minutes on Important Facts and Things to know about Zoom including:
- The basics of attending a Zoom meeting
- How to set up a Zoom meeting
- Fun Stuff! (backgrounds, filters, polls, screen sharing, white boards)
Presentation by Jay Litkus, Director of Marketing, Benevilla
25 Quick Minutes on Important Facts and Things to know about POAs including:
- What is a Power of Attorney?
- What are the Different Types of Power of Attorney?
- Why and When Do You Need a Power of Attorney?
Presentation by Megan Porth, Managing Attoryney and Founder, Your Contract Shop
25 Quick Minutes on Important Facts and Things to know about the SECURE Act including:
- What Changed?
- How These Changes Affect Your Finances
- How These Changes Affect You Personally
Presentation by Kim Dyer, Keystone Capital Management
25 Quick Minutes on Important Facts and Things to know about Dementia including:
- Understanding Normal Aging
- Recognizing Signs and Symptoms of Dementia
- Community Resources Supporting Cognitive Decline
Presentation by Lolita Tramel FNP-BC, PMHNP-BC, CDP, CADDCT NURSE PRACTITIONER & DEMENTIA EDUCATOR
25 Quick Minutes on Important Facts and Things to know about a new type of Life Insurance including:
- How to transform idle dollars into an increased financial legacy
- How to access your cash should an emergency arise
- How your beneficiaries can be paid tax-free
Presented by Trent Baumgartner, Advisors Excel
25 Quick Minutes on Important Facts and Things to know about Funding Your Child's College Education including:
- When to Start Planning for College
- Is Community College Always the Most Affordable Option?
- Resources to Fund College without Depleting Your Retirement Savings
Presented by Kathy Knecht, Knecht for Success LLC
25 Quick Minutes on Important Facts and Things to know about Hospice Care including:
- What is Hospice?
- What are the members of the Hospice Team?
- Who pays for Hospice Care?
Presented by Linda Camp, BS CSW LBSW, Hospice Promise LLC
25 Quick Minutes on Important Facts and Things to know about Estate Planning including:
- What is Probate Court?
- What is the difference between a Will and a Trust?
- What is the 90 in 90 FORMula?
Presented by Ciara Lister, ESQ and Carter Wilcoxson, Epic Services
25 Quick Minutes on Important Facts and Things to know about Charitable Remainder Trusts including:
- How to avoid Capital Gains tax on the sale of assets
- How to increase your income with a Tax Exempt Trust
- How to create a charitable deduction and still receive income from that asset
25 Quick Minutes on Important Facts and Things to know about Fiduciaries and Your Trust including:
- How to prepare for a confident and secure legacy
- Breaking down complex matters into terms you understand
- How to properly implement and administer your Trust
Presented by Sal M Capizzi, Executive Vice Presdent, Dunham Trust Company
Join Keystone Capital in learning about Veteran Benfits, including:
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What are the Veteran Benefits for Long Term Care?
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How Veterans can receive assistance for both in-home care and long-term care.
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How Veterans can prepare in advance to take full advantage of the VA benefits you have earned!
Presented by Sandy Messer, VA Accredited Claims Agent, Certified Medicaid Planner
25 Quick Minutes on Important Facts and Things to know about Medicare Enrollment including:
- When Can You Make Changes to Your Medicare Plan?
- Has anything changed in your health over the past year and how might this effect your plan?
- Is Your Current Plan Still the BEST Plan for You?
Presented by Michelle Jewell, The Insurance Lady Az
Join Keystone Capita in learning about Tax Risk and Retirement, including:
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Why taxes may be the biggest, least understood retirement risk most savers face
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Three ways your taxes could rise in the years to come
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How to protect your retirement approach from legislative risk
Presented by Becky Ruby Swansburg, Partner and Chief Marketing Officer, Stonewood Financial.
Join Keystone Capital in learning about an Indexed Universal Life Insurance Policy, including:
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Will it protect your savings in the case of a stock market crash?
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What is my contribution limit?
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Should I use an IUL for extended health care planning?
Presented by John Giblett, Regional Vice President, Midland National.
You know the saying, "The only things certain in this life are death and . . . . taxes!" On this podcast, Kim Dyer helps us organize and plan for tax season. As she says,"It is never too early to start planning for next year's taxes!"
The laws are constantly changing and with bothe the SECURE Act going into effect in 2020 and the change of Administration in 2021, you need to keep on your toes to be up to speed when planning your legacy. In this podcast, Pamela Prine, shares some important considerations for legacy planning.
A back door Roth IRA is not an official type of retirement account. Instead, it is an informal name for a complicated IRS-sanctioned method for high-income taxpayers to fund a Roth. Listen in as Kim Dyer helps you understand the why and the how to create a back door Roth.
Did you know your Social Security benefit may be taxable? Most workers pay into the Social Security program throughout their career. Most people also pay taxes on part of their Social Security payments in retirement. Pam Prine shares some strategies to reduce your tax bill in retirement.
Receive one or more IRS Forms 5498 in the mail? This form is a review of your IRA contributions and distributions from the previous tax year. That's great information, but what are you supposed to do with this information when you are filing your taxes?? Kim Dyer is here to let you know just that and more!
Retirement planning when you have a special needs child, requires special consideration. Pam Prines shares a long-term care staregy that could help protect your assets from depleting so you can have peace of mind that your child will continue to be taken care of after you are gone.
When it comes to saving money for your child, you have several options - depending on what you are trying to accomplish. For parents that college isn't the primary focus you may want to consider opening an UTMA account (Universal Transfer to Minors Act). Kim Dyer will talk you through exactly what that means and how an UTMA works compared to a 529 colleges savings account.
The legal and financial decisons you need to make after losing someone you love can be difficult. The last things you want to think about are financial. Listen in as Pam Prine shares 11steps to help manage the overwhelm.
You may have heard that along with your will and/or trust, it is important to have your estate "organized". What exactly does that mean and why is it so important? These are a few of the questions, Kim Dyer will be answering on today's episode.
You've worked hard to reach the retirment summit! Listen in as Pam Prine shares four questions to help shape your strategy for spending the retirement income you’ve worked a lifetime to build.
Roth IRAs have attracted retirement savers since their introduction in 1998. They offer the potential for tax-free retirement income, provided Internal Revenue Service rules are followed.
Do Roth IRAs seem even more attractive these days? Perhaps. You can cite two factors: current tax rates and the passage of the Setting Every Community Up for Retirement Enhancement (SECURE) Act.
Listen in as Kim Dyer discusses whether NOW is a good time to convert your IRA to a ROTH.
To say there are many things to consider when preparing for your retirement is an understatement. That's why it is good to have a plan and stick with it!
Planning for retirement may seem like a daunting task, but listen as as Pam Prine shares the top ten things you should consider before retiring.
You've been paying for a life insurance policy for years. And now you either cannot afford to continue the payments or you just no longer feel you have the need for one. Did you know that you may be able to sell that policy and receive a life settlement? Well before you decide to explore that option, it is important to get all the facts!
The holidays are a favorite time of year for many of us, no matter what our age! And if you are like us here at Keystone, you believe that the holidays should be about spending time together rather than receiving gifts. So how can we impart that philosophy to our loved ones? Today we are sharing some holiday gift ideas that can make a difference.
More and more people are living longer lives. That's the good news! But the reality is that the longer we live the better the chance of us needing some long term care. There is a lot of information about LTC out and about, but what are myths and what are the facts! In this episode, Pam Prine helps you differentiate between the two.
Just as your physical DNA helps determine your health and wellness your retirement DNA helps determine your wealth and readiness. Listen in as Kim Dyer shares the (5) elements that contribute towards your retirement DNA.
2020 has been a turbulent time in the financial markets. A lot of this has to due with the corona virus pandemic. If you are not sure what to do as far as your investment portfolios is concerned, listen in as Pam Prine shares a financial strategy worth considering.
If you are over 70.5 years of age, you are probably used to taking an annual RMD (Required Minimum Distribution) from your IRA. In 2020, you have the "option" of whether you would like to take this distribution or not. Listen in as Kim Dyer of Keystone Capital Management Groups shares her insights to help you decided whether your should or should't take your distribution this year.
When you think about retirement, most of us wonder "Can we afford to retire?". But there are many other things you should consider before making that important decision. Pam Prine of Keystone Capital Management Group shares the top 10 other things that you should know!
At Keystone Capital we talk a lot about laying the foundation to your financial success. But, what exactly does that mean? Listen in as co-owner and Financial Advisor, Kim Dyer, lays out an easy to follow financial strategy to set you up for a successful retirement.
Let's face it, 2020 has been a topsy turvy year and we are only half-way through! Instead of panicking and selling off everything you own, let's take a look at what opportunities there are in a down market.
Worried that you're getting closer to retirement and don't have enough saved up to continue living your current lifestyle? Find out why it is never too late to start saving for retirement and some of the best ways to "catch up" and get on track to retire in style.
Normally, we think of how the Financial Advisor communicates with the client but today Pam Prine, Financial Advisor at Keystone will be discussing how you, as a client, can effectively communicate with your financial advisor.
Listen in to this month's #WowMeWomen video podcast as Kim Dyer, Financial Planner, shares "What is an Annuity and How Does it Affect My Retirement Portfolio?"
The COVID-19 outbreak has put tremendous pressure on stock prices, prompting some investors to blindly and indiscriminately sell positions at a time when the entire market is trending lower. Worried investors believe "this time it's different." When the market drops, some investors lose perspective that downtrends – and uptrends – are part of the investing cycle. When stock prices break lower, it's a good time to review common terms that are used to describe the market's downward momentum.