Your Retirement Playbook: Recent Episodes
Joe Clark
Real, useful information for everyday people that can be translated into daily life and thought.
Each week we cover a different aspect of financial planning, retirement options, and current economic conditions in common sense language that everyone can understand.
We will bring on Special Guests to help us explain what is it we see happening out in the real world and provide ideas for the “Average Joe” to take home and put to use.
Call now to schedule your complimentary Next Steps Meeting today at 800-928-4001 or learn more at www.yourlifeafterwork.com.
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
Losing a loved one is never easy. Taking care of the final documents, bank accounts and settling the estate could not come at a more emotionally challenging time. The process doesn’t need to be complex, but in most cases, it is. Here are some solutions to make your heirs on Your Retirement Playbook easier! Call now to schedule your complimentary Next Steps Meeting at 800-928-4001 or learn more at www.yourlifeafterwork.com.
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
Generosity is a beautiful thing. Should you give to your children and charities before you are gone to make the most impact? When is the best time to leave a legacy? What is the best time to make a gift? Should you give your inheritance before you pass? These questions and more on this segment of Your Retirement Playbook! Call now to schedule your complimentary Next Steps Meeting at 800-928-4001 or learn more at www.yourlifeafterwork.com.
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
College planning is a dominant part of many families’ aspirations. What is the best way to fulfill your hopes, dreams, and self-imposed obligations? We will discuss the pros and cons of college planning in this segment. Call now to schedule your complimentary Next Steps Meeting at 800-928-4001 or learn more at www.yourlifeafterwork.com.
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
Sometimes the hardest thing to learn is things we already thought we knew! Mortgages have changed dramatically in the last 30 years. Find out what your kids face as they look at mortgages in the new environment. Join us to learn more on this segment of Your Retirement Playbook. Call now to schedule your complimentary Next Steps Meeting at 800-928-4001 or learn more at www.yourlifeafterwork.com.
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
In this episode of Your Retirement Playbook, we will discuss the Beginning, Middle, and End of Your Financial Journey. Topics we will cover will include: How mortgages have changed, college education and alternatives, the best time to gift, and estate planning. Join us to learn more on this segment of Your Retirement Playbook. Call now to schedule your complimentary Next Steps Meeting at 800-928-4001 or learn more at www.yourlifeafterwork.com.
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
In this episode of Your Retirement Playbook, we will discuss the Beginning, Middle, and End of Your Financial Journey. Topics we will cover will include: How mortgages have changed, college education and alternatives, the best time to gift, and estate planning. Join us to learn more on this segment of Your Retirement Playbook. Call now to schedule your complimentary Next Steps Meeting at 800-928-4001 or learn more at www.yourlifeafterwork.com.
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
Call now to schedule your complimentary Next Steps Meeting today at 800-928-4001 or learn more at www.yourlifeafterwork.com.
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
Accumulation, Contribution, and Distribution – do you know which Phase of Finance you are in? There are significant differences in how to approach your tax planning and investments depending on where you are in your financial journey! In this episode of Your Retirement Program, we will discuss the differences and what you need to consider now. Call now to schedule your complimentary Next Steps meeting at 800-928-4001 or learn more at www.yourlifeafterwork.com.
**Connect with Financial Enhancement Group:**
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
Challenges that arise inside of the financial world can be complex. For example, what is the difference between a trustee and a successor trustee or executor? What are the job duties for all the positions inside your Legacy Plan? On Your Retirement Playbook, we will discuss various job duties and responsibilities. Call now to schedule your complimentary Next Steps meeting at 800-928-4001 or learn more at www.yourlifeafterwork.com.
**Connect with Financial Enhancement Group:**
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
Challenges that arise inside of the financial world can be complex. For example, what is the difference between a trustee and a successor trustee or executor? What are the job duties for all the positions inside your Legacy Plan? On Your Retirement Playbook, we will discuss various job duties and responsibilities. Call now to schedule your complimentary Next Steps meeting at 800-928-4001 or learn more at www.yourlifeafterwork.com.
**Connect with Financial Enhancement Group:**
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
Are you tired of quarterly payments? Your IRA may be the solution! Join us on Your Retirement Program as we talk about simplifying your tax plan and eliminating quarterly tax payments. Call now to schedule your complimentary Next Steps meeting at 800-928-4001 or learn more at www.yourlifeafterwork.com.
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
Choosing your investments can sometimes look more simple than it actually is! In this episode of Your Retirement Program, we will talk about the appearance of the simplicity of investment decisions, silo decision-making, and orphaned assets. Call now to schedule your complimentary Next Steps meeting at 800-928-4001 or learn more at www.yourlifeafterwork.com.
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
Thank you for tuning into Your Retirement Playbook! On this show, we will talk about simplifying your investment decisions, eliminating quarterly tax payments, the difference between trustees and executors, and phases of finance! Call now to schedule your complimentary Next Steps meeting at 800-928-4001 or learn more at www.yourlifeafterwork.com.
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
All beneficiaries are not equal, and it is the same for assets! Tax diversification in your legacy plan is a great thing! You worked hard for the retirement you want, and you want to enjoy it, but once you have passed on, who gets it, and how should they use it? Call now to schedule your complimentary Next Steps meeting at 800-928-4001 or learn more at www.yourlifeafterwork.com.
**Connect with Financial Enhancement Group:**
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
Is volatility keeping you up at night? Does volatility really matter? Volatility is uncomfortable and painful in certain parts of investing in the market. Call now to schedule your complimentary Next Steps meeting at 800-928-4001 or learn more at www.yourlifeafterwork.com.
**Connect with Financial Enhancement Group:**
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
How long do you plan on being around – will you outlive your life expectancy? Can inflation destroy your retirement plans? Your financial journey may last a long time, and are you prepared? Call now to schedule your complimentary Next Steps meeting at 800-928-4001 or learn more at www.yourlifeafterwork.com.
**Connect with Financial Enhancement Group:**
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
In this episode of Your Retirement Playbook, we will discuss a case study! Our first segment will lay out the whole case and focus on what to consider before retirement; we hope you enjoy it! Call now to schedule your complimentary Next Steps meeting at 800-928-4001 or learn more at www.yourlifeafterwork.com.
**Connect with Financial Enhancement Group:**
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
Thank you for tuning into Your Retirement Playbook! This show will discuss preparing for retirement, inflation, volatility, and tax diversification. Call now to schedule your complimentary Next Steps meeting at 800-928-4001 or learn more at www.yourlifeafterwork.com
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
Unfortunately, inflation impacts your retirement dreams. Inflation is like high blood pressure; whether you know you have it or not, it can still kill you. Let’s talk about how to deal with that in Your Retirement Playbook. Give us a call at 800-928-4001 to schedule Your Next Steps meeting, or visit www.yourlifeafterwork.com to learn more.
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
Is your life insurance policy current? They call it permanent insurance because you are supposed to die with it; however, the average person ends up getting rid of it and buying another. Why is that? On this segment of Your Retirement Playbook, we will discuss it! Call us at 800-928-4001 to schedule Your Next Steps meeting, or visit www.yourlifeafterwork.com to learn more.
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
Rebalancing retirement accounts means selling from what did well and purchasing what did poorly the quarter before. We will discuss if you should and how to go about it in this segment of Your Retirement Playbook. Call us at 800-928-4001 to schedule Your Next Steps meeting, or visit www.yourlifeafterwork.com to learn more.
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
It is difficult to speak when you are no longer here. A letter of intention gives your family the easiest opportunity to fulfill your wishes after you are gone. Join us on Your Retirement Playbook to learn more. Call us at 800-928-4001 to schedule Your Next Steps meeting, or visit www.yourlifeafterwork.com to learn more.
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
Navigating through your financial journey, you will encounter many detours. On this episode of Your Retirement Playbook, we will discuss how to make it easier for your family to carry out your wishes with a Letter of Intention, Auto rebalancing of your retirement accounts, Life Insurance basics, and dealing with higher inflation. Call us at 800-928-4001 to schedule Your Next Steps meeting, or visit www.yourlifeafterwork.com to learn more.
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
72(t) allows you to get money out of an IRA before you turn 59.5, but it comes with serious stipulations and consequences, proceed with caution!! Call now to schedule your complimentary Next Steps Meeting today at 800-928-4001 or learn more at www.yourlifeafterwork.com.
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
Moving money out of a 401K into an IRA makes sense, but sometimes you have to reverse your decision. Call now to schedule your complimentary Next Steps Meeting today at 800-928-4001 or learn more at www.yourlifeafterwork.com.
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
How do I value my intellectual property? What exactly is an intangible asset and how things changed over time. Call now to schedule your complimentary Next Steps Meeting today at 800-928-4001 or learn more at www.yourlifeafterwork.com.
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
There are several ways to get to Florida, but you can’t switch along the way! The goal is to get where you want to go, but there WILL be interruptions along the way and we need to plan for that. Call now to schedule your complimentary Next Steps Meeting today at 800-928-4001 or learn more at www.yourlifeafterwork.com.
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
For over more than 20 years we have helped families prepare for retirement. Our trademarked approach called the Family Focus® Process revolves around 5 Critical Elements that we believe are the cornerstones to a successful retirement. Our process is family-focused, simple, and works with your changing needs and goals. We will graze a few of those topics on this week’s show. Call 800-928-4001 to schedule your complimentary Next Steps meeting or visit www.yourlifeafterwork.com to learn more.
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
You have done a great job of saving for your life after work, but what happens when it is time to take money out of your accounts? Call now to schedule your complimentary Next Steps Meeting at 800-928-4001 or learn more at www.yourlifeafterwork.com.
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
In this segment of Your Retirement Playbook we are going to discuss how to use and gift your money in the best way. We want to help you be a better giver, not a bigger giver. Call now to schedule your complimentary Next Steps Meeting at 800-928-4001 or learn more at www.yourlifeafterwork.com.
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
What does it look like when you begin to transfer from your working life to your life after work? One thing you need to plan for is how your taxes change and how you can be proactive. Call now to schedule your complimentary Next Steps Meeting at 800-928-4001 or learn more at www.yourlifeafterwork.com.
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
What does it look like when you begin to transfer from your working life to your life after work? One thing you need to plan for is how your taxes change and how you can be proactive. Call now to schedule your complimentary Next Steps Meeting at 800-928-4001 or learn more at www.yourlifeafterwork.com.
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
We have Your Retirement Playbook program to help people reduce financial regrets and in this episode we will talk about 4 things you need on your radar right now. Call now to schedule your complimentary Next Steps Meeting at 800-928-4001 or learn more at www.yourlifeafterwork.com.
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
We have Your Retirement Playbook program to help people reduce financial regrets and in this episode we will talk about 4 things you need on your radar right now. Call now to schedule your complimentary Next Steps Meeting at 800-928-4001 or learn more at www.yourlifeafterwork.com.
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
You have done a great job of saving for your life after work, but what happens when it is time to take money out of your accounts? Call now to schedule your complimentary Next Steps Meeting at 800-928-4001 or learn more at www.yourlifeafterwork.com.
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
Worried how to preserve your finances during a deteriorating market? You are not alone. We are going to discuss how to be proactive in protecting your wealth. Call now to schedule your complimentary Next Steps Meeting at 800-928-4001 or learn more at www.yourlifeafterwork.com.
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
Let’s talk more about the three phases of finance, specifically Accumulation! What I have learned over the last 35 years in the industry is that money works differently throughout your financial journey, and now I am going to share that with you. Call now to schedule your complimentary Next Steps Meeting at 800-928-4001 or learn more at www.yourlifeafterwork.com.
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
Many people believe fear and greed are the scariest words when it comes to your investment, but I believe that there are two other words that have created a detrimental problem. Join us on Your Retirement Playbook to learn more. Call now to schedule your complimentary Next Steps Meeting today at 800-928-4001 or learn more at www.yourlifeafterwork.com.
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
On this show we will talk about the 3 Phases of Finance and what to consider in a deteriorating market. Call now to schedule your complimentary Next Steps Meeting at 800-928-4001 or learn more at www.yourlifeafterwork.com.
**Connect with Financial Enhancement Group:**
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
When you have an extra dollar, where should you put it? Do you have a checklist or process on how to make that decision? Join us as we break it down!
Call now to schedule your complimentary Next Steps Meeting at 800-928-4001 or learn more at www.yourlifeafterwork.com.
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
In this segment of Your Retirement Playbook, we will dive deeper into intentional IRA withdrawals.
Call now to schedule your complimentary Next Steps Meeting at 800-928-4001 or learn more at www.yourlifeafterwork.com.
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
On this segment of Your Retirement Playbook, we will explore a cautionary inheritance tale so that you don't make the same mistake!
Call now to schedule your complimentary Next Steps Meeting at 800-928-4001 or learn more at www.yourlifeafterwork.com.
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
The art of childhood is knowing what to tell your parents and when! Join us on "Your Retirement Playbook" as we discuss what to think about when you are getting an inheritance and why you need to talk to your parents in advance.
Call now to schedule your complimentary Next Steps Meeting at 800-928-4001 or learn more at www.yourlifeafterwork.com.
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
The art of childhood is knowing what to tell your parents and when! Join us on "Your Retirement Playbook" as we discuss what to think about when you are getting an inheritance and why you need to talk to your parents in advance.
Call now to schedule your complimentary Next Steps Meeting at 800-928-4001 or learn more at www.yourlifeafterwork.com.
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
How will drawdown impact your chances for success in retirement? You need to hear this episode of Your Retirement Playbook! Call now to schedule your complimentary Next Steps Meeting today at 800-928-4001 or learn more at www.yourlifeafterwork.com.
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
Should you use additional income streams like social security, home equity, or sell other assets to provide income in uncertain times? We break it down on Your Retirement Playbook. Call now to schedule your complimentary Next Steps Meeting today at 800-928-4001 or learn more at www.yourlifeafterwork.com.
**Connect with Financial Enhancement Group:**
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
Success is never dependent upon one thing, but failure can be. What does a failed retirement journey look like? Learn more on this episode of Your Retirement Playbook. Call now to schedule your complimentary Next Steps Meeting today at 800-928-4001 or learn more at www.yourlifeafterwork.com.
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
Whether you are a new retiree or a seasoned one, we often have the same concerns. The best way to avoid retirement mistakes often comes from having the best questions formulated. My advice often begins with the questions, what is the best that can happen, what is the worst that can happen and – the most critical - can you live with the worst? Learn more on this segment of Your Retirement Playbook. Call now to schedule your complimentary Next Steps Meeting today at 800-928-4001 or learn more at www.yourlifeafterwork.com.
**Connect with Financial Enhancement Group:**
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
Retirement is an emotional rollercoaster. Excitement, accomplishment, freedom and then there may be loss of identity, confusion and worry over changing economies and markets. Here are some things you may want to consider and strategies you can employ. Call now to schedule your complimentary Next Steps Meeting today at 800-928-4001 or learn more at www.yourlifeafterwork.com.
**Connect with Financial Enhancement Group:**
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
What can possibly go wrong?! The things that happen on your financial journey are similar to the struggles you will face in golf. Let's talk about your financial hazards. Call now to schedule your complimentary Next Steps Meeting at 800-928-4001.
**Connect with Financial Enhancement Group:**
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
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Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
What economic condition are we in today? Sure, the economic condition matters to help you decide what you need to do next in your financial planning, but what do I need to take into consideration? Call now to schedule your complimentary Next Steps Meeting at 800-928-4001.
**Connect with Financial Enhancement Group:**
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
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Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
How do you know where "A" dollars and "B" should be invested? When faced with a buffet of options, which one should you choose first? In this segment of Your Retirement Playbook, we will break down the things you need to consider before choosing. Call now to schedule your complimentary Next Steps Meeting at 800-928-4001.
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Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
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Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
Golf is a lot like financial planning. Life is a series of decisions based on shots in the current conditions. Financial planning is a series of decisions based on shots and conditions. Golf is just like financial planning; we tend to compare our golf score with that of our friends, the people playing. When people do the same thing in the finance world, we all have to recognize that we live in a world where our ability and skill set are limited today by our available options. Call now to schedule your complimentary Next Steps Meeting at 800-928-4001.
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
Your Retirement Playbook with Joe Clark, CFP. Your Retirement Playbook is an educational program designed to help listeners better understand their money. Each week Joe will discuss real-life situations in dealing with the Five Critical Elements and The Better Giver. Your Retirement Playbook is brought to you by Financial Enhancement Group, LLC. We have five Indiana locations and take care of families in 32 states. For 25 years, we have helped families prepare for retirement and navigate all that comes along the journey. Our trademarked approach, the Family Focus® process, revolves around the 5 Critical Elements (Your Life After Work, Tax Planning, Investment Playbook, Life Happens – The Good, The Bad and The Ugly, and Legacy Planning) that we believe are the cornerstones to a successful retirement. Our process is family-focused, simple, and works with your changing needs and goals. Simply put, we help reduce financial regrets! Call now to schedule your complimentary Next Steps Meeting today at 800-928-4001 or learn more at www.yourlifeafterwork.com.
P.S. Do you have a question for Joe? Submit it here at talktoFEG@yourlifeafterwork.com.
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
How did you meet your investments? From a tax perspective, in many cases, you must make a decision; do you want to pay taxes on the money today, or do you want to pay taxes in the future? Pay attention to the next segment of Your Retirement Playbook, and we will discuss which tax strategy you should employ. Call now to schedule your complimentary Next Steps Meeting at 800-928-4001.
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
Should you cancel your life insurance policy? There are many things you consider when you look at Life Insurance. Should you keep paying that premium or cancel it? We will discuss the intricacies during this segment of Your Retirement Playbook. Call now to schedule your complimentary Next Steps Meeting at 800-928-4001.
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
Welcome to Your Retirement Playbook, and this is my Retirement Tax Book, if you will. That's right; you're getting ready to hear about Ed Slott's Elite IRA Advisor Group, things you need to consider about Tax Planning for your future, and the difference between tax deferral and tax delay. Call now to schedule your complimentary Next Steps Meeting at 800-928-4001.
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Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
How did that wind up in your portfolio? I've been married for 34 years, and when we meet new couples, they always ask one question, "How did you meet"?! In this segment, we will get into the nitty-gritty of how you got tangled up with your investments and what to do when it is time to separate. Call now to schedule your complimentary Next Steps Meeting at 800-928-4001.
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
Your Retirement Playbook with Joe Clark, CFP. Your Retirement Playbook is an educational program designed to help listeners better understand their money. Each week Joe will discuss real-life situations in dealing with the Five Critical Elements and The Better Giver. Your Retirement Playbook is brought to you by Financial Enhancement Group, LLC. We have five Indiana locations and take care of families in 32 states. For 25 years, we have helped families prepare for retirement and navigate all that comes along the journey. Our trademarked approach, the Family Focus® process, revolves around the 5 Critical Elements (Your Life After Work, Tax Planning, Investment Playbook, Life Happens – The Good, The Bad and The Ugly, and Legacy Planning) that we believe are the cornerstones to a successful retirement. Our process is family-focused, simple, and works with your changing needs and goals. Simply put, we help reduce financial regrets! Call now to schedule your complimentary Next Steps Meeting today at 800-928-4001 or learn more at www.yourlifeafterwork.com.
P.S. Do you have a question for Joe? Submit it here at talktoFEG@yourlifeafterwork.com.
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
Dopamine is an interesting thing according to a book I'm reading called “Habits of a Healthy Brain”, by Loretta Graziano Breuning. Four chemicals are produced inside of our brain that provide different emotional contexts –Serotonin, Dopamine, Oxytocin, and Endorphins. The one we are going to talk about today is Dopamine and how we can relate that to your finances. What is your Financial Dopamine and how can we give you more confidence. Call now to schedule your complimentary Next Steps Meeting at 800-928-4001.
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Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
The new retirement savings time bomb from Ed Slott Part 2!
That's right I'm back as I promised I would give you more. We are going to talk about the things that retirement savers can do to diffuse this Time Tax Bomb -things that Ed Slott says you should do in my thoughts on the subject as well. Call now to schedule your complimentary Next Steps Meeting at 800-928-4001.
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Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
Avoiding bad decisions, that's the key to success! We have to
break down our thinking and what our processes are to make a decision. It cannot be based on reaction as opposed to responding to something that we've already thought out in advance. Call now to schedule your complimentary Next Steps Meeting at 800-928-4001.
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
You know there are a lot of different ways to skin a cat, or so they tell me- I've never tried but when it comes to retirement, or what we call Your Life After Work, there are many different ways to get it done. There are some basic instructions and concepts that we believe you ought to follow and we're gonna talk about that on Your Retirement Playbook in this segment. Call now to schedule your complimentary Next Steps Meeting at 800-928-4001.
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
You know there are a lot of different ways to skin a cat, or so they tell me- I've never tried but when it comes to retirement, or what we call Your Life After Work, there are many different ways to get it done. There are some basic instructions and concepts that we believe you ought to follow and we're gonna talk about that on Your Retirement Playbook in this segment. Call now to schedule your complimentary Next Steps Meeting at 800-928-4001.
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
Schedule your complimentary Next Steps meeting today!
www.yourlifeafterwork.com
800-928-4001
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
Schedule your complimentary Next Steps meeting today!
www.yourlifeafterwork.com
800-928-4001
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
Schedule your complimentary Next Steps meeting today!
www.yourlifeafterwork.com
800-928-4001
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
Schedule your complimentary Next Steps meeting today!
www.yourlifeafterwork.com
800-928-4001
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
Schedule your complimentary Next Steps meeting today!
www.yourlifeafterwork.com
800-928-4001
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
With rising long-term care costs in the US, it is no wonder that this is a regular topic of discussion. And when it comes to the financial dimension of long-term care, truly good solutions are few and far between. Find out what you need to know about long-term care on Consider This Program.
Schedule your complimentary Next Steps meeting today!
www.yourlifeafterwork.com
800-928-4001
Resources -
“What keeps you up at night?” article by Dean Huddleson
What keeps you up at night? - The Financial Enhancement Group (yourlifeafterwork.com)
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
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Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
In the world of retirement accounts, Roth IRAs are the favored child. What’s not to love about totally tax-free growth on your retirement savings? Find out all you need to know about Roth IRAs on Consider This Program.
Schedule your complimentary Next Steps meeting today!
www.yourlifeafterwork.com
800-928-4001
Resources –
“What Is The Mega Roth And How Can I Use It”, Consider This Program episode
What Is The Mega Roth And How Can I Use It - The Financial Enhancement Group (yourlifeafterwork.com)
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
With rising long-term care costs in the US, it is no wonder that this is a regular topic of discussion. And when it comes to the financial dimension of long-term care, truly good solutions are few and far between. Find out what you need to know about long-term care on Consider This Program.
Schedule your complimentary Next Steps meeting today!
www.yourlifeafterwork.com
800-928-4001
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
If you are blessed enough to still have a pension, you will come to know that you have options on how you can take the pension. Find out the pros and cons of the options available to you.
Schedule your complimentary Next Steps meeting today!
www.yourlifeafterwork.com
800-928-4001
Resources -
“Should I Consider A Lump Sum Pension?”, article by Dean Huddleston
Should I consider a lump sum pension? - The Financial Enhancement Group (yourlifeafterwork.com)
Connect with Financial Enhancement Group:
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Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
A well-diversified portfolio is vital to any investor’s success. As an individual investor, you need to make sure your asset allocation best conforms to your personal investment goals and risk tolerance.
Schedule your complimentary Next Steps meeting today!
www.yourlifeafterwork.com
800-928-4001
Resources –
“How A Portfolio Manager Handles Volatile Markets”, article by Andrew Thrasher, CMT
How A Portfolio Manager Handles Volatile Markets - The Financial Enhancement Group (yourlifeafterwork.com)
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
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Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
As you approach retirement, it is critical to have a plan around how to take income to replace your current standard of living. Do you have the proper investment strategy to withstand withdrawing the income that you need?
Schedule your complimentary Next Steps meeting today!
www.yourlifeafterwork.com
800-928-4001.
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
When preparation meets planning, little luck is actually needed! Find out why planning the loss of a spouse is more than just a life insurance policy.
Resources -
"Understanding estate and insurance documents and what needs to happen if you live in two states." Consider This Program with Joe Clark, CFP
Understanding estate and insurance documents and what needs to happen if you live in two states. - The Financial Enhancement Group (yourlifeafterwork.com)
(all other Life Insurance content is ancient)
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
When preparation meets planning, little luck is actually needed! On this episode of Consider This Program, we will talk about our Investment Playbook and several other crucial factors you need to think about.
Resources -
Investment Playbook defined by Financial Enhancement Group Investment Philosophy - The Financial Enhancement Group (yourlifeafterwork.com)
"A Ghost of the Past – Inflation" article by Joe Clark, CFP
A Ghost of the Past – Inflation - The Financial Enhancement Group (yourlifeafterwork.com)
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
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We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
Little luck is actually needed when preparation meets planning! On this episode of Consider This Program, we will talk about our Investment Playbook and several other crucial factors you need to think about.
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
An unexpected or early retirement can bring a major headache of finding affordable health insurance until you turn 65 and can qualify for Medicare. If you find yourself in this situation, there are ways to bridge the age gap long enough to reach the Medicare finish line. Find out your options on Consider This Program.
Schedule your complimentary Next Steps meeting today!
www.yourlifeafterwork.com
800-928-4001
Resources -
“Don’t Forget Medicare,” episode of Elements In Focus
Your Life After Work- Don't Forget Medicare - The Financial Enhancement Group
“The Retirement Tip No One Is Talking About”, article by Daren Hardesty
The retirement tip that no one is talking about! - The Financial Enhancement Group (yourlifeafterwork.com)
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
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Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
For many, parents are the guiding lights of the first portion of our lives. They make sure we eat healthily, set us up for doctor and dentist appointments, and otherwise work to help us make the best decision for a fulfilling life. As we age, though, so do they. And there comes a turning point when we witness our parents switch from superheroes to humans. Find out how to begin those difficult conversations with your parents on Consider This Program.
Schedule your complimentary Next Steps meeting today!
www.yourlifeafterwork.com
800-928-4001
Resources –
Checklists - checklist landing page - The Financial Enhancement Group (yourlifeafterwork.com)
“Talking with parents about money – how to have comfortable conversations.”, article by Dean Huddleston
Talking with parents about money - how to have comfortable conversations. - The Financial Enhancement Group (yourlifeafterwork.com)
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
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We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
For many, parents are the guiding lights of the first portion of our lives. They make sure we eat healthily, set us up for doctor and dentist appointments, and otherwise work to help us make the best decision for a fulfilling life. As we age, though, so do they. And there comes a turning point when we witness our parents switch from superheroes to humans. Find out how to have difficult conversations with your parents on Consider This.
Schedule your complimentary Next Steps meeting today!
www.yourlifeafterwork.com
800-928-4001
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
Are annuities good, bad, or ugly? It depends on your needs and the type of annuity. Find out all you need to know about annuities on Consider This Program.
Schedule your complimentary Next Steps meeting today!
www.yourlifeafterwork.com
800-928-4001
Resources -
“Why are annuities poor investment choices?”, Consider This Program episode
Why are annuities poor investment choices? - The Financial Enhancement Group (yourlifeafterwork.com)
“The Case Against Annuities”, Consider This Program episode
The Case Against Annuities - 1113 - The Financial Enhancement Group (yourlifeafterwork.com)
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
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Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
One of the most talked-about issues in the bond market is whether the U.S. Federal Reserve’s decision to raise short-term interest rates will trigger a dreaded bear market. The topic is frequently discussed in dramatic terms, fostering the paranoia that the bond market is on track for a crash. Join us as we give insight into the bond market.
Schedule your complimentary Next Steps meeting today!
www.yourlifeafterwork.com
800-928-4001
Resources –
“Stocks, bonds, real estate, cash, and commodities?”, Consider This Program Episode
Stocks, bonds, real estate, cash, and commodities? - The Financial Enhancement Group (yourlifeafterwork.com)
“What Happens When Your Bond Reaches Its Maturity Date?”, Consider This Episode
What Happens When Your Bond Reaches Its Maturity Date? - The Financial Enhancement Group (yourlifeafterwork.com)
Connect with Financial Enhancement Group:
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Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
Finance, just like the economy, is an ever-changing landscape, making it hard for many to navigate. Many financial planning guidelines once considered unfailing have since become financial myths, irrelevant to today. Join us as we discuss financial myths on Consider This Program.
Schedule your complimentary Next Steps meeting today!
www.yourlifeafterwork.com
800-928-4001
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
Coming to the end of your working career can be both exciting and terrifying. How are you going to replace your standard of living without a paycheck? Have you really saved enough to retire? Find out the 7 reassuring signs your retirement is on track on Consider This Program.
Schedule your complimentary Next Steps meeting today!
www.yourlifeafterwork.com
800-928-4001
Resources -
“Why you need a retirement budget”, article by Joe Clark, CFP Why You Need A Retirement Budget - The Financial Enhancement Group (yourlifeafterwork.com)
“Paying off Debt vs Saving” episode of Consider This Program Paying Off Debt vs Saving - Episode 1081 - The Financial Enhancement Group (yourlifeafterwork.com)
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
Coming to the end of your working career can be both exciting and terrifying. How are you going to replace your standard of living without a paycheck? What are the 7 crucial things you need to have on your radar? Have you really saved enough to retire? Find out the 7 reassuring signs that your retirement is on track.
Schedule your complimentary Next Steps meeting today!
www.yourlifeafterwork.com
800-928-4001
Resources –
Checklists
checklist landing page - The Financial Enhancement Group (yourlifeafterwork.com)
“Can Social Security Benefits Help with Longevity Risk?”, article by Aaron Rheaume, CKA
Can Social Security Benefits Help with Longevity Risk? - The Financial Enhancement Group (yourlifeafterwork.com)
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
Coming to the end of your working career can be both exciting and terrifying. How are you going to replace your standard of living without a paycheck? Have you really saved enough to retire? Find out the 7 signs your retirement is off track on Consider This Program.
Schedule your complimentary Next Steps meeting today!
www.yourlifeafterwork.com
800-928-4001
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
Living off dividends in retirement is a dream shared by many investors, but in today’s environment marked by rising life expectancies, extremely low bond yields, and elevated stock market valuations relative to history, retirees face challenges on all fronts to build a stable income stream that will last a lifetime. Find out what you need to know about gains and dividends in retirement on Consider This Program.
Schedule your complimentary Next Steps meeting today!
www.yourlifeafterwork.com
800-928-4001
Resources –
“Gains Deferral”, episode of Elements In Focus
Investment Playbook - Gains Deferral - The Financial Enhancement Group (yourlifeafterwork.com)
“How risk and diversification effect retirement”, an article from Joe Clark, CFP
How Risk and Diversification Effect Retirement - The Financial Enhancement Group (yourlifeafterwork.com)
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
You understand that you need to replace a certain standard of living in retirement, but what does that look like? How do you know how much you really need? Find out what you need to consider on Consider This Program.
Schedule your complimentary Next Steps meeting today!
www.yourlifeafterwork.com
800-928-4001
Resources –
“Practice Makes Perfect”, article by Grant Soliven, AIF
"Practice Makes Perfect" - The Financial Enhancement Group (yourlifeafterwork.com)
“Your Assets vs. Income”, Consider This Program episode
Your Assets vs. Income – Investment Playbook Show - The Financial Enhancement Group (yourlifeafterwork.com)
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
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Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
You’ve saved for retirement for years. Now that retirement is approaching, how can you create a regular stream of income from your savings to provide for your standard of living? It’s like drawing water from a well-you don’t want to take so much at once that it runs dry. Find out the things you need to consider on Consider This Program.
Schedule your complimentary Next Steps meeting today!
www.yourlifeafterwork.com
800-928-4001
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
Only fools rush in! Don't rush into choosing your advisor just because you like them, and don't choose an investment when you can't differentiate between an income and an asset. On this episode of Consider This Program, we will break down the differences between income and assets in addition to suitability and fiduciary advisors.
Resources -
Checklist – Things to consider before hiring a financial advisor checklist landing page - The Financial Enhancement Group (yourlifeafterwork.com)
"Your Assets vs. Income" Consider This Program with Joe Clark, CFP, and Jamie Burton. Your Assets vs. Income – Investment Playbook Show - The Financial Enhancement Group (yourlifeafterwork.com)
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
As you move through life, many things change, and the same should go for how you handle your money. Join us on this episode of Consider This Program as we talk about Phases Of Finance and how they impact your finances.
Resources –
"A Turbulent Journey," article by Joe Clark, CFP A Turbulent Journey - The Financial Enhancement Group (yourlifeafterwork.com)
Video with Joe Clark, CFP, talking about the three phases of finance. 3 Phases of Finances - The Financial Enhancement Group (yourlifeafterwork.com)
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
Only fools rush in! Don't rush into choosing your advisor just because you like them, and don't choose an investment when you can't differentiate between an income and an asset. On this episode of Consider This Program, we will break down the differences between income and assets in addition to suitability and fiduciary advisors.
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
The tax code is ever-changing, which means your strategies should be ever-changing as well. Do not get stuck with your heels dug in the ground.
Resources -
"Roth Conversions & Back Door Roth's" Elements In Focus with Grant Soliven, AIF and Aaron Rheaume, CKA. Roth Conversions & Back Door Roth's - The Financial Enhancement Group (yourlifeafterwork.com)
"The Secure Act, Here's What It Means For You," article by Joe Clark, CFP The Secure Act, Here's What It Means For You - The Financial Enhancement Group (yourlifeafterwork.com)
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
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Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
The year may have ended, but that does not mean you have to
leave unused contributions from last year's tax season on the table! Find out the best way to maximize Roth contributions for your and your family's future.
Resources -
"Tax Breakdown – 1040, 401K, IRA and Roth Contributions" Consider This Program with Joe Clark, CFP and Grant Soliven, AIF Tax Breakdown - 1040, 401K, IRA and Roth Contributions - The Financial Enhancement Group (yourlifeafterwork.com)
"What You Should Know About The Roth Option When Saving For
Retirement" article by Joe Clark, CFP What You Should Know About The Roth Option When Saving For Retirement - The Financial Enhancement Group (yourlifeafterwork.com)
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
Although the fiscal year has ended, that doesn't mean you have missed out on the boat for some of your contributions. Find out how making a small contribution can make a massive difference for your financial future.
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
An in-service, non-hardship distribution is a 401k option that not
many are aware of. What other options are wrapped inside of your 401k? Are you missing opportunities? Find out on Consider This Program.
Schedule your complimentary Next Steps meeting today!
www.yourlifeafterwork.com
800-928-4001
Resources -
“Roth Conversions & Back Door Roth’s” - Elements In Focus episode -
Roth Conversions & Back Door Roth's - The Financial Enhancement Group (yourlifeafterwork.com)
“Job Change Resources” -
Job Change landing page - The Financial Enhancement Group (yourlifeafterwork.com)
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
An in-service, non-hardship distribution is a 401k option that not
many are aware of. What other options are wrapped inside of your 401k? Are you missing opportunities? Find out on Consider This Program!
Schedule your complimentary Next Steps meeting today!
www.yourlifeafterwork.com
800-928-4001
Resources -
“401(k) Realities” – article by Joe Clark, CFP 401(k) Realities -
401(k) Realities - The Financial Enhancement Group (yourlifeafterwork.com)
“Tax Breakdown – 1040, 401K, IRA and Roth Contributions” – Consider This Program segment:
IRA and Roth Contributions - The Financial Enhancement Group
(yourlifeafterwork.com)
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
No matter your age, you probably have a lot of questions and
concerns about saving for retirement. How to save for it, what options are available, and most importantly - how much money should you be socking away? One of the most common ways to save money for retirement is through an employer-sponsored 401(k) plan. Find out all you need to know about 401(k) plans on Consider This Program.
Schedule your complimentary Next Steps meeting today!
www.yourlifeafterwork.com
800-928-4001
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
Everyone looks at income as dividends, however, the world changes and so does our approach to taking income from your portfolio. Join us on Consider This Program to figure out how capital gains will become more significant to your income needs than ever before.
Schedule your complimentary Next Steps meeting today!
www.yourlifeafterwork.com
800-928-4001
Resources -
"Phantom Capital Gains", Joe Clark, CFP
Phantom Capital Gains - The Financial Enhancement Group (yourlifeafterwork.com)
"Not Every Basket Is Created Equal", article by Grant Soliven, AIF Not Every Basket Is Created Equal - The Financial Enhancement Group (yourlifeafterwork.com)
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
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We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
Investors, the Federal Reserve, and businesses continuously monitor and worry about the level of inflation. Rising inflation can be harmful: input prices are higher, consumers may lose purchasing power unless their incomes rise, and monetary policy measures to contain inflation can damage growth and employment. Join us with our special guest, Andrew Thrasher, as we talk about inflation and the stock market.
Schedule your complimentary Next Steps meeting today!
www.yourlifeafterwork.com
800-928-4001
Resources -
Inflation: Don’t Forget It & How To Plan For It - The Financial Enhancement Group (yourlifeafterwork.com)
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
Investors, the Federal Reserve, and businesses continuously monitor and worry about the level of inflation. Rising inflation can be harmful: input prices are higher, consumers may lose purchasing power unless their incomes rise, and monetary policy measures to contain inflation can damage growth and employment. Join us with our special guest, Andrew Thrasher, as we talk about inflation and the stock market.
Schedule your complimentary Next Steps meeting today!
www.yourlifeafterwork.com
800-928-4001
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
Making the wrong call with your social security can cost you half a million dollars. Are you ready to take that gamble? On Consider This Program, we will discuss several things you need to think about before you pull the trigger.
Resources
- "How much do you lose if you take Social Security at the wrong time?" Consider This Program with Joe Clark, CFP, and Jamie Burton. How much do you lose if you take Social Security at the wrong time? - The Financial Enhancement Group (yourlifeafterwork.com)
- "Back to Basics: Social Security" Consider This Program with Joe Clark, CFP. Back To Basics: Social Security - The Financial Enhancement Group (yourlifeafterwork.com)
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
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Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
Making a gut call on investments may not be the wisest strategy. Having a process in place leads to more fruitful outcomes. Join us on Consider This Program as we break it down and explain why.
Resources
- "Emotional Investing," article from Aaron, Rheaume, CKA Emotional Investing - The Financial Enhancement Group (yourlifeafterwork.com)
- "How emotional trading can wreck your retirement" Consider This Program with Joe Clark and Aaron Rheaume, CKA How Emotional Trading Can Wreck Your Retirement - The Financial Enhancement Group (yourlifeafterwork.com)
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
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We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
When making decisions regarding your financial plan, do you have a rhyme and reason, or do you go more with your gut? Find out why having a process for making significant decisions can lead to more fruitful results.
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
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Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
Many people go into investing with an idea of how much they are
going to make, but what happens when there is a drawdown in the market and you don't have a plan to protect yourself? We will discuss diversification, volatility, drawdowns, and more on this episode!
Resources
- "Drawdown Protection" Consider This Program with Joe Clark, CFP and Adam Harter, CFA Drawdown Protection - The Financial Enhancement Group (yourlifeafterwork.com)
- "Preparing for Volatility" Consider This Program with Joe Clark, CFP and Grant Soliven, AIF. Preparing For Volatility - Episode 1077 - The Financial Enhancement Group (yourlifeafterwork.com)
- "Knowing the differences between Risk and Volatility" article by Joe Clark, CFP Knowing the Differences Between Risk and Volatility - The Financial Enhancement Group (yourlifeafterwork.com)
- "How A Portfolio Manager Handles Volatile Markets" article from Andrew Thrasher, CMT How A Portfolio Manager Handles Volatile Markets - The Financial Enhancement Group (yourlifeafterwork.com)
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
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We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
Imagine having all tax-deferred money and no plan to unwind it
before you need it or are forced to take it, OR WORSE, the tax code changes, and it is not in your favor. Join us on this segment of Consider This Program to learn more.
Resources
- "There Are Two Tax Codes, One For the Informed And One For The
Uninformed" Consider This Segment with Joe Clark, CFP, and Aaron Rheaume. There Are Two Tax Codes, One For the Informed And One For The Uninformed - The Financial Enhancement Group (yourlifeafterwork.com) - "Designing Your Distribution Plan" article by Joe Clark, CFP Designing Your Distribution Plan - The Financial Enhancement Group (yourlifeafterwork.com)
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
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Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
Imagine having all tax-deferred money and no plan to unwind
it before you need it or are forced to take it, OR WORSE, the tax code changes, and it is not in your favor. Join us on this segment of Consider This Program to learn more.
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
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Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
Many people think of gifting their assets once they have passed away, but what about when you still live? Find out the most efficient way to gift from your assets while you are still living so you can witness the impact of your generosity.
Resources
- "Gifting Effectively: Don't Forget Taxes and Investments!" Gifting Effectively: Don't Forget Taxes and Investments! - The Financial Enhancement Group (yourlifeafterwork.com)
- "Leaving A Legacy Part 2", article by Joe Clark, CFP Leaving A Legacy, Part 2. - The Financial Enhancement Group (yourlifeafterwork.com)
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
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Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
Many people think of gifting their assets once they have passed away, but what about when you still live? Find out the most efficient way to gift from your assets while you are still living so you can witness the impact of your generosity on this segment of Consider This Program.
Resources
- "Trusts, QCDs, & the Death Benefit" Consider This Program with Joe Clark, CFP 9.29.18 Trusts, QCDs, & the Death Benefit - The Financial Enhancement Group (yourlifeafterwork.com)
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
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Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
Many people think of gifting their assets once they have passed away, but what about when you still live? Find out the most efficient way to gift from your assets while you are still living so you can witness the impact of your generosity on this segment of Consider This Program.
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
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Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
Are you late to the game? Many people continue to use mutual funds even though ETFs are far more efficient. On Consider This Program, we will explain what you need to be on the lookout for.
Resources
- "Are mutual funds making you poor?" Consider This Program with Joe Clark, CFP, and Jamie Burton. Are mutual funds making you poor? - The Financial Enhancement Group (yourlifeafterwork.com)
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
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Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
Find out how to love and protect your future self and the ones you love with some brand-new strategies from the Financial Enhancement Group and Financial Enhancement Group Trust Services team!
Resources
- "Incapacitation is part of our reality, and you can plan for it." article by Grant Soliven, AIF Incapacitation is part of our reality, and you can plan for it. - The Financial Enhancement Group (yourlifeafterwork.com)
- "Don't Just Plan For The Metaphorical Hit By A Bus – Fading Away" Consider This Program with Joe Clark, CFP, and Daren Hardesty. Don't Just Plan For The Metaphorical Hit By A Bus - Fading Away - The Financial Enhancement Group (yourlifeafterwork.com)
- "Leaving A Legacy, Part Four, The Problems with Incapacitation" article by Joe Clark, CFP "Leaving A Legacy, Part Four, The Problems with Incapacitation" - The Financial Enhancement Group (yourlifeafterwork.com)
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Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
Are you married to old investments that no longer make sense for your situation? What about your legacy documents? How many life events have happened since you have updated your wishes? Find out why not reviewing your financial plan can lead to frustration and devastation.
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Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
On this segment of Consider This Program, learn why the number one wealth eroding factor is not investment losses but Uncle Sam!
- "Retirement Strategies "V" For Victory" Consider This Program with Joe Clark and Adam Harter, CFA. Retirement Strategies "V" For Victory! - The Financial Enhancement Group (yourlifeafterwork.com)
- What is tax planning? Take a closer look with this video from Financial Enhancement Group Tax Planning - The Financial Enhancement Group (yourlifeafterwork.com)
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James Clear always says, "Success is never dependent on one thing, but failure can be!" Please tune in to learn about the 5 Critical Elements that we have found lead to financial stability on Consider This Program.
- "The 5 Critical Elements To Your Financial Wellbeing" Consider This Program with Joe Clark, CFP, and Grant Soliven, AIF The 5 Critical Elements To Your Financial Wellbeing - The Financial Enhancement Group (yourlifeafterwork.com)
The 5 Critical Element overview from Financial Enhancement Group 5 Critical Elements - The Financial Enhancement Group (yourlifeafterwork.com)
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Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
James Clear always says, "Success is never dependent on one thing, but failure can be!" Please tune in to learn about the 5 Critical Elements that we have found lead to financial stability on Consider This Program.
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
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We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
When you look at your investment and retirement accounts, why do you own what you own? How did you meet? How do you pivot and how do you measure success? We will provide our insight on Consider This Program today. Call 800-928-4001 or email us at talktofeg@yourlifeafterwork.com to schedule your complimentary Next Steps meeting today.
Emotional Investing. Article from Aaron Rheaume, CKA. Emotional Investing - The Financial Enhancement Group (yourlifeafterwork.com)
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
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Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
Do you know the rules inside your company plan? Can you do an in-service non-hardship distribution? Do you have a Roth option? Do you have the age 55 rule? Do you understand in-plan conversions and how RMD’s work? It is complex but we will guide you through the maze on Consider This Program today. Call 800-928-4001 or email us at talktofeg@yourlifeafterwork.com to schedule your complimentary Next Steps meeting today.
Designing Your Distribution Plan. Article from Joe Clark, CFP Designing Your Distribution Plan - The Financial Enhancement Group (yourlifeafterwork.com)
Connect with Financial Enhancement Group:
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You probably love your kids all the same, but even my brother and I, who appear very much alike, are very different individuals. Not all beneficiaries are the same, and not all your assets are equal. Find out who to give what and when on Consider This Program today. Call 800-928-4001 or email us at talktofeg@yourlifeafterwork.com to schedule your complimentary Next Steps meeting today.
Taxes play a bigger part for your beneficiaries than you think. Taxes play a bigger part for your beneficiaries than you think. - The Financial Enhancement Group (yourlifeafterwork.com)
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When you elect to take Social Security can be one of the most significant financial decisions you will ever make. Most people fail to understand how the program works, the tax implication and how your other assets are best maximized around Social Security. Join us for a discussion on CTP and we will provide some things for you to consider. Call 800-928-4001 or email us at talktofeg@yourlifeafterwork.com to schedule your complimentary Next Steps meeting today.
What you don’t know about social security can hurt you. Video from Financial Enhancement Group What You Don’t Know About Social Security Can Hurt You - The Financial Enhancement Group (yourlifeafterwork.com)
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Staying educated and up to date on your investments and retirement plans is not always as easy as it sounds! On this episode of Consider This Program, we will discuss four costly mistakes you could be making and not even realize!
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When planning for retirement, there are certain triggers or transitions that can push you closer to making a decision to leave the workforce. It is important to have a strong financial plan to prepare for these changes. Call 800-928-4001 or email us at talktofeg@yourlifeafterwork.com to schedule your complimentary Next Steps meeting today.
Seasons change, and so does tax planning. Seasons Change And So Does Tax Planning - The Financial Enhancement Group (yourlifeafterwork.com)
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Knowing the difference between marginal and effective tax rates is important, especially going into retirement. Where do you need to focus your attention? Call 800-928-4001 or email us at talktofeg@yourlifeafterwork.com to schedule your complimentary Next Steps meeting today.
How Taxes Impact Your Retirement. How Taxes Impact Your Retirement - The Financial Enhancement Group (yourlifeafterwork.com)
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Going into retirement, you have to have a clear picture of your standard of living. Join us as we discuss the best way to find out your true budget. Call 800-928-4001 or email us at talktofeg@yourlifeafterwork.com to schedule your complimentary Next Steps meeting today.
Why a retirement budget is key. Why A Retirement Budget Is Key - The Financial Enhancement Group (yourlifeafterwork.com)
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Deciding when to take Social Security can be one of the most costly decisions you make in retirement. Find out how Social Security timing can be an asset when figuring out your retirement income. Call 800-928-4001 or email us at talktofeg@yourlifeafterwork.com to schedule your complimentary Next Steps meeting today.
How much do you lose if you take Social Security at the wrong time? How much do you lose if you take Social Security at the wrong time? - The Financial Enhancement Group (yourlifeafterwork.com)
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Many people think that investment returns is the most important factor in whether or not they can retire. We know that there are many critical decisions to be made that could separate you from a successful retirement. Call 800-928-4001 or email us at talktofeg@yourlifeafterwork.com to schedule your complimentary Next Steps meeting today.
Checklist – What to consider before retiring Retirement-Checklist.pdf (yourlifeafterwork.com)
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Every choice that you make has consequences, financial or otherwise. For example, if you choose apple pie over a brownie for dessert, you get the apple pie, but you give up the opportunity of having the brownie. The act of selecting one alternative means you've given up the benefit you could have had if you had chosen a different option.
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The underlying principle of mutual funds is brilliant, but there are multiple reasons we don't allocate any money to them.
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Annuities are usually marketed as safe investments, with guaranteed income when you're ready. Most buyers never see the truth. It's buried in huge, complex, jargon-filled contracts that usual folds can't understand without a dictionary, gallons of coffee, and a claimant's lawyer.
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You have worked your whole life to accumulate assets, but when determining where to park those assets “Buyer Beware!” Not all financial products are as they seem. Join us as we play devil’s advocate on the best places to invest your money.
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Financial Health and Financial Literacy are two different things. How can you determine if you are financially healthy?
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How Healthy is Your 401(k)? Look Beyond The Balance. Article by Joe Clark, CFP. How Healthy is Your 401k? Look Beyond the Balance - The Financial Enhancement Group (yourlifeafterwork.com)
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10% of us die….the other 90% fade away. It is likely your estate planning documents have the same challenges that mine did. What should you consider, and what are we doing about it at the Financial Enhancement Group? Find out on Consider This Program.
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Incapacitation is part of our reality, and you can plan for it. Incapacitation is part of our reality, and you can plan for it. - The Financial Enhancement Group (yourlifeafterwork.com)
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The saying goes, “An ounce of prevention is worth a pound of cure.” It’s true! Investing in your health is wise from a perspective of living longer and good for your billfold. We are not doctors, but the research is clear that investing your resources (time, energy, and money) in improving health pays dividends later in life.
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Coming Clean With Your Advisor About Health Issues. Article by Joe Clark, CFP. Coming Clean With Your Advisor About Health Issues - The Financial Enhancement Group (yourlifeafterwork.com)
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Assets – stocks, bonds and cash behave differently and have different jobs. The same is true of tax treatment. There is tax-deferred, taxable, Ira, Roth, 401k, 403b and more, and they all have their place. HSA accounts are at the top of the list for a place to store resources, find out on Consider This Program.
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How Healthy is Your 401k? Look Beyond the Balance. Article by Joe Clark, CFP. How Healthy is Your 401k? Look Beyond the Balance - The Financial Enhancement Group (yourlifeafterwork.com)
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Healthcare can be one of the most significant expenses a person faces in retirement. Whether you're early on in your working career, close to retirement, or already making the transition out of the workforce, it's essential to understand and plan for growing medical costs.
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There is a lot of confusion between risk and routine. Many do not realize that getting into a routine can be financially dangerous. Things that made sense in the past do not necessarily make sense today – what are some rules changes that you should be aware of?
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Is there a simple way to turn disasters into inconveniences with your personal finance? There are several options, and it could be different depending on your financial phase of finance. Join us to learn more!
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Most estate documents lay out the plan for what happens when you die – how can you make sure your wishes are maintained when you are cognitively declining? Do you need formal estate documents? Why or why not?
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If you do not work with an advisor, you are your own fiduciary – what are the essential items you should be focused on with your financial journey? What are some tips every person could use before making a move into retirement?
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A successful retirement has many moving parts, and in all things financial, we begin with the end in mind. The endgame for your life after work is turning assets into income to satisfy your standard of living, not to replace your current income. There are a few habits you can start practicing now so that you can help to ease your transition into retirement.
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Small businesses really are the backbone of the American Economy. As such, we need their participation in charitable giving. What is the best way for a business owner to make gifts to their church or charity? Find out on Consider This Program.
Learn more at thebettergiver.com
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You don’t have to make a lot of money or have a lot of assets to be a Better Giver. We are called to do the best with the talents and resources we have. We will break down being charitable from three perspectives: giving cash, giving assets, and giving time. Here’s to being a Better Giver.
Check out this article for more information yourlifeafterwork.com/charitable-giving-during-retirement
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Charitable giving comes from the heart and soul of the giver. The impact of the gift comes from the timing and the application of the recipient. We believe in being Better Givers, meaning that you get all the credit for the gift from a tax perspective. Maximized charitable gifting is a combination of investment planning, tax planning, and timing. We will work to make you a better Giver on Consider This Program today.
Check out this article for more information yourlifeafterwork.com/charitable-giving-during-retirement
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Charitable giving comes from the heart and soul of the giver. The impact of the gift comes from the timing and the application of the recipient. We believe in being Better Givers, meaning that you get all the credit for the gift from a tax perspective. Maximized charitable gifting is a combination of investment planning, tax planning, and timing. We will work to make you a better Giver on Consider This Program today.
Learn more on this topic in this article yourlifeafterwork.com/important-estate-planning-considerations-when-givingto- charity
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The Better Giver is designed to build a knowledge base and share efficient gifting strategies that offer enhanced tax benefits. We are not here to help you be a bigger giver, we are here to make you a BETTER giver! Brought to you by Financial Enhancement Group live with Consider This Program with Joe Clark, CFP and Adam Harter, CFA.
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It isn't easy talking about death. But it is even harder talking about fading away. Having proper estate documents and planning is key to leaving a legacy, but it is more important when your money has to take care of you when you are one sandwich short of a picnic.
Incremental Incapacitation - Joe's article "Leaving A Legacy, Part Four, The Problems with Incapacitation" - The Financial Enhancement Group (yourlifeafterwork.com)
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Your options change as you age, but the good news is you don't have to do it alone! From retirement communities to cohabiting to long-term care facilities, there are options! Join us to find out how they work and how to plan for them ahead of time.
-Article Retirement Choices - The Financial Enhancement Group (yourlifeafterwork.com)
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The age-old question, what happens if I live too long? It can be a risk factor, but good news. We can plan for this ahead of time. Find out how the retirement V for victory and other great planning strategies help get you to a century…and beyond.
-V for Victory – Retirement "V" For Victory! - The Financial Enhancement Group (yourlifeafterwork.com)
-Winning Retirement (article) What Does a Winning Retirement Look Like? - The Financial Enhancement Group (yourlifeafterwork.com)
-Distribution is about income - Distribution is About Income - The Financial Enhancement Group (yourlifeafterwork.com)
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Leaving a legacy is important to many families. However, taking the time and energy to make sure you and your family are taken care of isn't easy to set aside. Unfortunately, you can wait too long, and this can have devastating results.
Grant's article Incapacitation is part of our reality, and you can plan for it. - The Financial Enhancement Group (yourlifeafterwork.com)
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You have worked hard not only to build wealth but also to build memories. The families we work with want to make sure their assets are properly respected while they are being used for their own needs as well as their financial heirs. Financial Enhancement Group works diligently to make sure assets are properly titled, properly owned, and prepared for simplicity of transfer when the time is right. Visit our website or give us a call to learn more!
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With an ever-changing economic and legislative environment, it is crucial to regularly update and evaluate your financial plan. Join us as we discuss what can happen if you decide to stick with your original plan. Call 800-928-4001 or email us at talktofeg@yourlifeafterwork.com to schedule your complimentary Next Steps meeting today.
What To Do When Your Best Laid Plans Go Astray – Changes In Your Financial Phase. yourlifeafterwork.com/what-to-do-when-your-best-laid-plans-go-astra y-changes-in-your-financial-phase
Planning for the unexpected - Planning for the Unexpected - The Financial Enhancement Group (yourlifeafterwork.com)
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Being prudent can be very beneficial for your financial future, but what happens when you take it too far? Join us as we discuss a few real-life scenarios where being prudent had negative consequences. Call 800-928-4001 or email us at talktofeg@yourlifeafterwork.com to schedule your complimentary Next Steps meeting today.
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Things feel great when we see the balances going up on our statements, but what happens when volatility makes an appearance? Call 800-928-4001 or email us at talktofeg@yourlifeafterwork.com to schedule your complimentary Next Steps meeting today.
Knowing the Differences Between Risk and Volatility yourlifeafterwork.com/knowing-the-differences-between-risk-and-volatility-3
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Volatility in the market is not a new concept, but that doesn't make it any less scary. Do you have a plan in place to protect yourself from your own emotions? Call 800-928-4001 or email us at talktofeg@yourlifeafterwork.com to schedule your complimentary Next Steps meeting today.
Adapting Your Investment Decisions yourlifeafterwork.com/adapting-your-investment-decisions
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One of our families said it perfectly when they said, "I don't want to be a bag lady at 80. My money has to outlive me." What do we need to focus on to make sure our money will last us a lifetime? Call 800-928-4001 or email us at talktofeg@yourlifeafterwork.com to schedule your complimentary Next Steps meeting today.
Preparing for retirement. Preparing For Retirement - The Financial Enhancement Group (yourlifeafterwork.com)
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News from Washington alludes to the average American losing access to this strategy. However, it isn't gone yet. Make sure you understand your workplace retirement plan document and learn how to grab more Roth money before time potentially runs out.
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Although we fear the dreaded tax audit, the IRS will not likely show up on our doorstep. However, if they did, would you have done the right things to protect your family and your 1040? Having a dedicated tax team and tax plan will pay dividends in the future.
-Tax Packet promo – Call Brittany for your complimentary copy.
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Do you know how to calculate your marginal tax rate? What is a marginal tax rate, and when does it matter? Understanding how to maximize your marginal tax stair step is imperative to your financial future.
-Marginal vs. Effective - Tax Brackets - Marginal vs. Effective - The Financial Enhancement Group (yourlifeafterwork.com)
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There is a difference between tax planning and tax reporting. Tax planning ends when the clock strikes midnight on 12/31/2021. Make sure you have acted on your conversion strategy and utilized all the tax benefits available to you.
-Tax Packet promo – Call Brittany for your complimentary copy.
-Year-End Article 2020 - Tax Year Ending - The Financial Enhancement Group (yourlifeafterwork.com)
-Habits article Create New Habits Instead of Making Resolutions This New Year's - The Financial Enhancement Group (yourlifeafterwork.com)
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Stealth fees are just as dangerous as known fees. Perhaps more so! Are your investments riddled with hidden fees? What can you do about it? Any barrier to your return is a hindrance to your retirement. Find out the difference between the reasonable expenses and the bad ones on Consider This Program. yourlifeafterwork.com/fees-and-expenses-lurking-in-your-financial-plan
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There are few things more financially impactful than understanding how to read your annual tax return. Understanding this year’s return can potentially change your financial future.
Knowing how to read your return can help you understand the IRS’s impact on your financial journey and can help create various strategies to mitigate unnecessary taxation.
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Practice makes perfect! Given the opportunity, find out how to prepare for your retirement with a practice year.
Your budget will address defining your standard of living in retirement, but what do you need to consider when creating one?
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Examining statement balances can be exciting, scary, or disappointing, but in no case does it reflect your retirement income.
The financial world has created an illusion that retirement is about the amount of your statement balance. In truth, retirement is about income.
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A successful retirement isn’t about replacing your income; it is about maintaining your standard of living, but how much will you need?
There is no magical percentage of your income needed for a happy retirement. What is required is replacing 100% of the money for your standard of living.
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A successful retirement has many moving parts, and in all things financial, we begin with the end in mind. The endgame for your life after work is turning assets into income to satisfy your personal standard of living, not to replace your current income. As fiduciaries, here are seven things we consider to be most important. Call 800-928-4001 or email us at TalkToFEG@yourlifeafterwork.com to schedule your complimentary Next Steps meeting today.
Find the checklist here: yourlifeafterwork.com/checklist-landing-page
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The Five Critical Elements is the process that FEG uses to help our families stick to the basics and help make sure we are guiding them through their financial journey.
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In a world with many investment options, should you contribute to an IRA or a Roth IRA?
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Many employers offer 401(k) plans as a benefit for their employees. If your employer offers a 401(k) plan, should you contribute to it?
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When talking about back to the basics, why are taxes important, and why are they the starting point for the episode?
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Consider This Program with Joe Clark, CFP
Schedule your complimentary Next Steps meeting today!
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If you have assets, someone has attempted to sell you an annuity. The sales pitch is hard to argue with, now if only the pitch matched the reality. Buying an annuity can feel good today and simultaneously put your financial journey at significant risk. We will discuss that on Consider This Program today.
Find our checklist on our website “Things To Consider Before Purchasing An Annuity”. Call 800-928-4001 or email us at talktofeg@yourlifeafterwork.com to schedule your complimentary Next Steps meeting today.
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A conflict of interest anytime a decision is made could benefit or harm the one making the decision. When you name a child or any beneficiary of your estate as the financial trustee, you are putting them in a difficult place – a definite conflict of interest. There is a better solution.
Join Consider This Program for the inside scoop on our legacy strategy. Find more about trusts and trustees on our website, including this segment yourlifeafterwork.com/your-successor-trustee-makes-all-the-difference-in-the-world
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Extrapolating investment returns, tax rates, and inflation many years into the future can be downright daunting. How do you know how much income you will need and what amount of assets are required to reach that income level? Your number – the amount you need – may not be what you think it is.
Join us on Consider This Program, and we will break down our logic to help remove some of the stress in your life. Find more on this topic in this article from Dean Huddleston yourlifeafterwork.com/is-there-a-magic-retirement-number
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Feeling compelled to be charitable is a wonderful calling. You want your charity to get the most out of your gift, and we want you to get the biggest bang for your contribution. That “bang” is delivered with strategic tax planning. When should you give and how? Find out on Consider This Program.
Find more information here: yourlifeafterwork.com/making-the-most-of-your-charitable-donations
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Leaving things dangling in the night can cause your family more turmoil than the family ghost. Some things will last longer than you do. They can hurt, help or haunt. What is your strategy? Find out what you need to clean up and cut out of your final documents and estate plan on Consider This Program.
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As we age, how should our assets be titled? What do we need to know that we don't know?
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You make money, and you pay taxes. You invest money, and you pay taxes. If you do well financially, you die, and you pay taxes. Right or wrong, it is what it is. Are you worried about the future of the estate tax code? Here are some considerations and solutions.
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The world is full of zombie shows. I don't get it, but I do understand phantom gains. Market volatility is frustrating. Unnecessary taxation is devastating. Here's how to remove the zombies from your portfolio. Find out on this segment of Consider This Program.
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The secure act is changing, especially if you are a widow. Joe's friend, and the writer of "Inheriting Your Spouse's IRA: The Widow's Guide to Keeping More of Her Assets", Bill Harris, RMA and CFA will be joining us today. We talk about the size of IRA'S and 401(k) 's and things to consider when being a widow.
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Selling the "Baby" can be one of the hardest and yet most rewarding endeavors. Find out what you need to be considering, like capital gains taxation, emotional burdens, retirement plan consolidations, etc.
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Having a qualified team to help navigate the tax maze could be the difference between profit and losses. Understanding QBI and other tax benefits are necessary for you and your business.
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Choosing the right retirement vehicle takes more consideration than one might think. Understanding which plans to put in place for your employees can make all the difference for you and your team.
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Who have you named to be in charge of your trust and will? Do they know their responsibilities? Do they have your battle plan to transfer your legacy ready to go?
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Losing a spouse is traumatic emotionally, but it can also be a financial disaster. What things do you need to consider in the next 30 days, six months and next year.
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There are disruptions in the market. Volatility is the market going up and down, but what if it is trending down for an extended time?
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There are days where bad news is worse than others. What do you do when the doctor says you have months to live? There are emotional issues, but there are also economic issues to consider.
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Special guest Joyce Marter, LCPC is a renowned psychotherapist, entrepreneur, national speaker, author, and media contributor who takes great pride and pleasure in empowering others to reach their full potential. From speaking engagements to webinars to coaching and consulting and more, Joyce can guide and support you in achieving greater personal and professional prosperity.
Build Your Mental Wealth - Joyce Marter (joyce-marter.com)
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It’s the 4th quarter in your life of work. In grade school, we were able to prepare for the big event. There is no greater event for most people than retirement or separating from the workforce. Are you ready, and how do you know for sure? Here are the things you need to consider.
https://www.yourlifeafterwork.com/wp-content/uploads/2020/05/Free-E-Book-Ho w-to-retire-on-500K.pdf
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Debt is bondage, and leverage is an asset. What is the difference between the two? Join us on Consider This Program to learn more!
https://www.yourlifeafterwork.com/coming-clean-with-your-advisor-part-four-debt
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People think about money in terms of investment return. Retirement is about income, not assets. Make sure that you are building tax diversification along the way. What is tax diversification? Join us on Consider This program to learn more.
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Starting a new chapter in your life comes with different tax and investment considerations. Join us as we break it down.
You started saving when you had little to keep, and nothing accumulated, and now you have something. What needs to change in your strategy and your thought process?
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Everybody loves choices, but most of us hate decisions. What will your empty nest look like?
Your kid’s lives change when they leave the nest – so does yours. What are choices you should consider discussing with your spouse, family, and friends?
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Will you be participating in the sandwich generation? Here are things you need to know.
The sandwich generation is a reality for many. You may be caring for your aging parents, your adult-age children, or your grandchildren simultaneously. Navigating this time in your life is hard; a fiduciary may be able to take some of the pressure off of your shoulders.
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We don’t get do-overs in life. What should you teach your children about money regardless of their age?
We care for our children. We care about our children. What do you wish you had taught them that you missed?
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Insurance companies will tell you most beneficiaries are deceased or incapacitated. Don't wreck your financial legacy. There is a better way.
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Contributing to a 529 is a great financial plan, but what do you do when you have more money in than tuition to pay? Join us on Consider This Program as we break down the problem and how to help.
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Have you ever met anyone lost who didn't know they were lost? What happens when it is you? We will use an actual life case study to help you understand the risks you face and how to get ahead of them.
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Somebody slipped - weren't quite who they were the day before. Mental, physical, financial, and emotional. What are the first signs to look out for?
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Timing is everything but so is action. Learn how to engage in tax planning before it's too late.
Think of tax planning as Annie Duke calls a freeroll. A freeroll is a great decision-making tool because the downside cost is very minimal compared to the potential rewards. Yes, there is time, energy, and perhaps a consulting fee involved, but the upside can be huge if you do it. You may waste a couple of hours of your life. Or, you might find a step or two that can save you thousands or even more over time.
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Opportunity cost vs. guarantees. Tune in for what you need to know about investing and debt.
When times are good, and returns seem easy, this question is often answered mathematically. Over time though, the difficulty in measuring emotional consequences determines the results. The math, the emotional turmoil and other factors need to all be incorporated before making a decision.
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People love choices, but they hate decisions. Which investment is right for you? Join Consider This Program for thoughts and strategies.
These are the five main food groups of investing. Just like with food, we need some of each for a balanced diet. Also, like food, we'll lean them in different portions. (It's also ok to go off script and temporarily dabble in unhealthy amounts here and then).
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Who is your fiduciary? What is the job description? Join us on Consider This Program as we discuss the differences that matter to you.
Fiduciary risks are becoming a buzzword with such prominent use. Proposed legislation mandating fiduciary standards may have failed, but they at least prompted many to adopt and promote the term. It's important to learn this function because otherwise, it would be like a coach sending his football team on the field without nominating a quarterback.
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Many celebrated when the age was moved from 70 1⁄2 to 72; we did too. And not for reasons you might think. We cheered because of taxes. And no, not because you would pay more, but because we gained a few more years of good tax planning. And don’t forget qualified charitable distributions. They still have a part to play, even if your RMD was delayed.
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Take early! This could be a massive mistake for many US citizens. Not only do you suffer permanent income loss, but you could be setting up the IRS to take your lunch money as well.
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Many Americans wait until the last possible minute on April 15th to submit their taxes. Not only can that kind of delay put you in an uncomfortable position with the IRS. You may have missed the most important date of all, December 31st. Find out why the end of December might be far more important to your overall plan.
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There is often confusion surrounding when one can take penalty-free distributions from retirement dollars. You might be able to access money sooner than you think.
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With absolute power comes absolute liability. Learn what it takes to be a successor trustee on Consider This Program.
Many family members find out, often too late, that they are trustees of an estate. And with this great power comes incredible responsibility and potential liability. And for many of us, this is not a job we were trained to do. We will highlight the trustee's obligations and why you might want to bring a professional on board.
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What can you do to protect against market drawdown? Find out as we explore options on Consider this program.
The distribution phase of finance comes with unique challenges. Insurance companies want you to believe that annuities are the only answer to hedge market risk. This is incorrect, as investment tools have evolved and grown over time. Not to mention retirement is not simply a factor of managing market risk.
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Planning for the unexpected is not as easy as it sounds. Find out how we help our families navigate the unknown on Consider This Program.
Building multiple layers of tax diversification and buckets of money takes discipline and planning. Not to mention our world is constantly changing. Putting a backup plan on the shelf only works if you dust it off and review your needs every other year.
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We have all been told that you should not keep all your eggs in one basket. Find out why in this episode of Consider This Program.
No one has a crystal ball when it comes to picking that perfect stock. To protect yourself from having all the risk of one investment, we can purchase a basket of securities. Coupled with an investment process, having diversification lowers cost and minimizes your potential for volatility.
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Estate planning documents aren't like tax returns; you don't need a history unless you need a history! Knowing why your documents say what they do can help a court or a family member when clarification is needed. Check out Consider This Program as we discuss eliminating old records.
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They are labeled as RMD's, but what they stand for is REQUIRED and come along with a 50% penalty if you get it wrong. This segment will go over what you need to consider before it is too late.
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The most significant financial decision most families will ever make is when to take Social Security. Listen in, so you don't make a tragic error.
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We all talk about financial readiness, but are your beneficiaries prepared for what comes next? What do your heirs need to know about your assets and their future? Join us on Consider This Program to find out.
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Your life after work is more than just saying goodbye to a paycheck from an employer. It is part art and part science. For example, how and when do you take social security? What numbers matter most when deciding if you have enough to retire? Is retirement only based on the amount of fixed income you are bringing in, or do you need to build a budget? Find out all the answers to these questions on Consider This Program.
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We will have a refresh on the difference between a fiduciary advisor and a suitability advisor. From there, we will teach you how to take the next steps in bringing on a better financial partner and what you need to do when saying goodbye.
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Taking away the keys is one thing, but the checkbook is a whole other conversation. Planning ahead for this tough talk can make it easier for you and your parents when the time comes.
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What is a trust, and do you need one? Those are two frequent questions we get asked when working with families. Trusts are powerful estate documents that help care for you when you are still around but do not have all your mental faculties. And they assist in passing on your wishes after you are gone. We will dive deeper into needing a trust on Consider This Program.
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Managing money is not for everyone. What are the seven things your kids need to know regarding money that keep them from becoming financially independent? Consider these seven things to do for their financial future.
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Like it or not, men die first the majority of the time. There are families where one spouse does the short term and the other the long term planning, but it is rare. What happens when life takes a turn, and you get a new role running the family finances?
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Like it or not, men die first the majority of the time. There are families where one spouse does the short term and the other the long term planning, but it is rare. What happens when life takes a turn, and you get a new role running the family finances?
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Tax planning and tax preparation are two different things. Women typically live longer than their spouses, so they must be prepared to file as a widow or men as a widower. What does that mean for your retirement? We will break it down during this episode of Consider This Program.
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When to move out, move up, or make a change in where you live.
Life changes and will continue to change as we age and as technology and services adapt to an increasing population of seniors. We will discuss your living alternatives and documents on Consider this program.
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Do you know the optimal age to take social security for your situation? When do you have to start, and when should you start? Find out on Consider This Program.
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A small percentage of people die suddenly. Most of us fade away over time. Some of us fade faster and further than others. We will discuss how to recognize when your partner is slipping on Consider This Program today.
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Everything matures over time. That includes your body, mind, and portfolio. Here are things to consider as your bond portfolio matures.
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There is a big difference between tax reporting and annual tax planning. Join us on Consider This Program with special guest Benjamin L. Smith, CPA, CGMA from Estep Doctor & Company, as we talk about making sure that you are as strategic as possible.
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If your parents are starting to show signs that they're not as on top of their finances as they used to be, how can you get more involved without looking like you're trying to come in and take over? Expert Cameron Huddleston will join us as she discusses her book, “Mom and Dad, We Need to Talk.”
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It's the final countdown. Will you be ready? Join us on Consider This Program to find out!
Being ahead at half-time may be encouraging, but the game is far from over. Where will you be financially when the last seconds go off of the clock? Tune into this segment to learn more.
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Don't let the IRS pull you from the game. Join Consider This Program to find out the rules you need to know.
The tax code is full of opportunities for confusion and frustration. Not only do you have to pay, but you could be penalized. We will discuss ways to stay in the game and optimize your financial strategies.
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How will a retirement practice year help you? Join Consider This Program for thoughts and strategies.
Not everyone gets the chance to prepare for retirement, but there are things to consider if you do. The retirement budget, fixed vs. social expenditures, replacing standard of living rather than income are all part of the process.
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How do you build a financial team? Listen to Consider This Program and find out how.
There is no "I" in team. For the best results, everyone has to work together. How does your CPA and investment advisor work together to create optimal tax strategies? What is your communication process? What should it be?
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It is easy to take away the keys when the time comes, but what about the checkbook? We will break down the process on this segment of Consider This Program.
Having discussions with your aging parents can seem taboo. However, with an ever-changing estate and tax code, it is more important than ever to communicate. We will discuss what to talk about and how to have the conversation.
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Is being an empty nester everything it is cracked up to be? Find out at Consider This Program.
When the kids are all finally out on their own, it is important to re-evaluate your financial situation. Do you save more or pay down debt? Is it time to downsize, and what is that process? And make sure you update your estate documents.
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Set your kids up for financial success in every phase of finance. Learn how on Consider This Program.
Educating your children on personal finance does not always happen at school. Setting them up for a better financial future starts with understanding the basics. For example, why is it important to save? How do they save? Who is the IRS, and why do they take your money?
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Did you know that your new bundle of joy also comes with a bundle of tax benefits? Tune into Consider This Program to learn more.
The Tax Code is structured to raise revenue and help achieve several societal goals, including helping families. Several Tax Code provisions are designed to make finances a little easier for new parents, including some new enhancements from the recently enacted American Rescue Plan Act.
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Living comfortably comes down to more than just dollars saved. Learn how we coach families through what is important when planning for retirement.
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Standing back up isn’t easy after you lose a business. Learn from an entrepreneur on ways to keep moving forward.
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Preparation is more than just a word in this case. Who has your back when life happens? Also, don’t lose sight of the opportunities that can still be available to you.
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Process, process, process. The markets go up, and the markets go down. If you do not have processes in place to keep you on track, everyone wins at your expense. Learn how we help families use processes to keep thinking moving forward.
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There are two theoretical tax codes. Some people believe one is for the rich and one is for the poor. In reality, there is one for the informed and one for the uninformed. Find out the difference between tax planning and tax reporting and why Dec 31 is more than just a turn to the new year.
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Exiting the workforce is more than just getting that gold watch for years of service and retiring to Florida. It is an emotional decision as well as a financial decision. We will walk you through how both affect your mindset and wallet.
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What are the most important factors you need to consider when hiring an advisor? One is knowing the difference between a fiduciary advisor and a suitability advisor. Two is what questions to ask when interviewing an advisor or team.
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Retiring is more than a formula focusing on your 401(k)-account balance divided by your projected social security payment. It is crucial to understand how the different phases of finance affect your retirement assets. The most important number to know is your standard of living, which is a combination of your fixed expenses and social expenses.
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Learn how the critical elements of planning need to be used together, and not done in silos.
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We have all heard the stories of one stock making someone rich. That is the unicorn of investing. For everyone else, here is what you need to know to grow wealth over time.
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Estate documents are important. But knowing who your trustee is, and communicating with them about their duty, might matter more.
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We have a deep bench of talented individuals. Here is your team, and how they help you and your loved ones.
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Reading your 1040 is simple; however, understanding how it impacts your future is not. We will provide clarity on the differences between marginal tax brackets and your effective tax rate.
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Leaving a legacy with your IRA’s and 401(k)’s has changed. The SECURE act shifted the landscape, and your heirs need to be aware of the tax tsunami that could be coming.
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Capital gains are back in the limelight as tax code changes loom. We will walk you through how we coach families to use gains for their benefit when gifting and creating income for retirement.
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Tax Planning is different from Tax reporting. One takes place after the clock has run out. The other can at times be the difference between financial freedom or financial disaster. Planning takes time and disciplined focus on your goals and situation.
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You love your beneficiaries equally; however, it might not be in their best interest to receive money equally. It is prudent to update beneficiary designations regularly. And do not forget to talk about money before it is too late.
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When you retire, where and how is the income distributed? What is the strategy? What are the tax consequences? Why is taking money so different from saving money in your retirement accounts?
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There are more college savings vehicles available today than ever before in history. With some many options, how do you choose where to grow your college funds? Before you put your dollars to work, you must consider taxes, vehicle types, and the restrictions inside each savings plan.
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Downsizing, at first glance, can seem like the right choice for anyone recently living as an empty nester. However, there are key considerations to make before taking that step into a “smaller” space. A big hurdle for many is downsizing can cost you more money today and tomorrow.
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There are three distinct phases of finance that we all go through. It is not age dependent. Each phase has unique objectives that must be stressed. Always begin with the end in mind. Why are you saving? How will you get the money out? How much do you need? Based on your previous experience, current situation, and future hopes and dreams, what would be wise for you to do at this time. Many times people's lives are disrupted. We had the best of intentions, but things changed. Job, relationships, health, and a myriad of other issues can throw us off track. You can deal with the three phases of finance at almost any age while you are still working. Here is how you do it and what to consider.
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Combining your assets needs to be discussed before marriage. We see people who keep everything separate (usually they have kids from a previous relationship) and those that combine everything. Regardless of the assets, you will have a single tax return that you should not separate. What one person does will impact the other from a tax standpoint. (We have families that do separate taxes and then combine for the IRS, this shows the individual liability) Retirement assets at work will go to the current spouse. (Prenutuals don't work, but post-nuptials do) Debts, income, assets, houses, etc., all come into play.
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Life comes quickly, and the IRS has no sympathy. Unless you have a minor child, this will be the last year to file a joint tax return regardless of what time of year that you lost your spouse. Margin compression (expansion of your marginal tax rate), standard deduction amounts, RMD's, and Social Security are all issues of things to consider on top of the emotional strain
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Rarely is a job loss expected, and rarely is anyone prepared for it. Lay-offs or downsizing can sometimes be predicted. It can be the sale of a business, a new manager, a change in the economy, or it can come out of the blue. Your job is to be prepared for the inevitable (access to cash) and be as valuable as you can to the organization before the downsizing. You will need to address future income streams, unemployment, interviewing, and what to do with your previous retirement savings. How do you access emergency funds from your retirement?
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Your first Required Minimum Distribution (RMD) now begins the year you turn 72. The amount you take out is based on your marital status, age, and the amount of your tax deferred investments on December 31st, the previous year. Should you let the IRS force your hand or start withdrawing early? Find out on Consider This Program.
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Determining the correct year to begin Social Security is essential for sound income planning and perhaps even more so for efficient tax planning. You have many things to consider, and they all need to work in conjunction. Social Security is not a silo decision if you have saved other assets.
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Where’s the beef? When you retire, where and how is the income distributed? What is the strategy? What are the tax consequences? What will you do with your new found time and is your spouse on board - they already have their “program” and you may be considered an interruption accidentally.
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Join us as we do a case study on a 57-year-old engineer and a 59-year-old wife of 39 years of marriage. Your practice retirement year is designed to help families understand their true cost of separating from the workforce. We help them establish their retirement budget with a focus on defining fixed and social expenses.
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Learn how discipline, maintenance, and the process is the key to being financially independent.
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Find out why taking social security at 70 may make the most financial sense. Social Security and taxes play a bigger role in your retirement than you think.
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The current tax code is one sale, and the discount might be ending soon. Find out if it makes sense to pay lower taxes today for a more tax-efficient future.
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Deciding when to take your benefit may be a million-dollar decision. Do you have the information to make the best decision?
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You most likely want to treat all your kids equally. That is normal, whether it be on Christmas gifts or what's in your Will or Trust for them after you are gone. When you have a Special Needs Beneficiary, what you leave must be treated and accounted for differently than your other heirs. Lack of planning could mean government benefits can be lost, resources are wasted, and your generosity lost. There are many things to consider with Special Needs Beneficiaries.
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100% of us will pass away, but only 10% of us die suddenly. Most of us will Fade Away overtime. Most legacy documents deal with what happens when you are gone. We are very concerned about your life while you are still here, but we need to address the complex decisions you can make today to prepare for the future. Consider This will explore some issues you need to consider as you progress in age. How to protect your spouse, how to protect your heirs, how to protect yourself and your nest egg you worked so diligently building.
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No one presumed in 1980, the year of the first 401(k), that anyone would have $500k, $1m, or more in an account. Over time things changed, as did things you should consider. The Secure Act eliminated the Stretch, and the value of your accounts upon your demise can either positively or negatively impact your heirs. There are solutions to make sure your heirs are benefited, not hindered upon your passing.
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Being charitably inclined is a testament to you and your family. Our hope with the Better Giver is not to make you a bigger giver per se', but rather a better giver. Helping you get the most efficient transfer of your gift to the charity of your choice in the most tax-efficient manner possible. The amount received by the charity doesn't change based on the source of the gift. The source you use can make all the difference in the world.
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Age 72 is the new age requirement for beginning Required Minimum Distributions (RMD’s). The penalty for not taking the correct withdrawal is 50% so you have to get this right! The word “Required” should clue you into the fact that the IRS is serious about these withdrawals.
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59.5 is the age where the 10% federal withdrawal penalty goes away. This is true of IRA’s and most company plans. How you coordinate your distribution strategy is both a question of income and of age.
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Age 55 is when your 401k may provide for a retirement distribution without imposing a 10% federal penalty for early withdrawal. There are income restrictions, but there is flexibility here for individuals retiring at younger ages.
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Uniform Transfers To Minors (UTMA) provides a mechanism for investing assets for minor children. The age of majority varies from state to state. Indiana’s age of majority is 21 and at that point the child has total access to the investments without any restriction or oversight from the original donor.
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Tax reporting is what we are all doing right now. Tax planning is what you did before the end of the year. Reporting tells the IRS the tax story of last year. Tax planning prepares the story for you to find maximum tax efficiency.
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Inflation is usually slow to show up, like gaining a pound or two a year. Typically, it doesn't make a great deal of difference until it does. The destruction of your purchasing power - a dollar buying less today than it did in the past - is one of the four issues for a Fiduciary. Understanding inflation, the value of the dollar, and your future needs and expectations will help you build the right retirement strategy.
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As you get older you realize that things change - your investments are no different. What made perfect sense to you 20-30 years ago may not make sense today. The good news is there is always a way to make the most of those accounts that you no longer need.
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Fixed income is an important attribute to any investor’s portfolio. One can receive income from interest and dividends from a stock; a coupon from a bond; or the interest earned on a CD - but which vehicle makes the most sense for your situation? To know the answer to that question you need to know where you are wanting to go.
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Very often we hear people say they don't want to keep all their financial eggs in one basket. The feeling of having accounts with multiple advisors and banks brings a sense of safety to families that they will not lose all their money. Call it financial institution diversification. This may have made sense in another time, but we know that lowering the number of your accounts reduces stress and provides advisors a better chance to manage investments and control taxation.
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Many people do not know that they can request a direct tax-free rollover from their 401(k) to an IRA before they retire. Even more people don't know why it could be beneficial to move your 401(k) assets into an IRA. This rollover is called an In-Service Non-Hardship distribution, and it is something we think you should consider as you approach your retirement.
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The most common retirement strategies are to take social security early and delay retirement account draws, is that the right way to go?
Tune in to Consider This to learn more!
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College isn’t for everyone, and neither is a 529 plan!
We will break down what happens if college savings doesn’t go to plan.
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Who you choose for your successor trustee is a big decision, but how do you choose? Join us as we talk about what to consider!
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You know the old saying, “Don’t put all your eggs in one basket”, but how can you ensure you are using not only the right number of baskets, but the right kind of eggs too?
Tune in as we discuss the importance of true diversification!
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The IRS has an opinion, they want us all to take the standard deduction, but is that the best for your retirement?
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Staying up to date on tax code changes is crucial!
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How do qualified dividends and long-term capital gains matter in your income strategy?
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Using the right timing of your gift, the right type of asset and to the right entity can make a large impact on your tax return.
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We all want what is left after we are gone to get to our heirs in the best possible way - least taxes, time, challenges. There are many legal documents you can use, but they are not all the same. Trusts and Wills are different. Which one is right for you? If control of the assets after your demise are your biggest concern, which is best for you to use?
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Kicking the can down the road" Imagine a cigarette salesperson saying, "Smoke these. They'll give you cancer in the future, and you won't need as much retirement savings." The same is valid for tax deferral. Use this today, it will feel good now and only jeopardize your retirement later on. Tax deferral, like chocolate cake, feels good in the moment, but it is broccoli that will get you through the journey.
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The Topic is the Fiduciary Focus with this show highlighting fees and expenses. - A fee is a known number while an expense is an operating cost that varies from year to year. Conveniently, Wall Street leaves out expenses allowing investors to often have greater unknown expenses rather than known fees. Your soldiers need to be fighting for your financial future, not for Wall Street’s pocketbook.
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Stocks represent equity or ownership of a company. Bonds are debt instruments used to raise working capital for companies, governments, and municipalities. Traditionally, bonds are viewed as less volatile than stocks, but that is not always the case. There are long-term considerations you need to have in your portfolio regarding bonds or fixed income, but they aren't always the correct short-term answer.
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There are things we do because we want to, have to do and think we are supposed to do. There are some things about your retirement you should be doing but possibly missing. Join Consider This Program to discover the missing pieces.
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Preparing for an unknown future - economically, financially and your personal health are all part of the prescription for a great retirement and lasting legacy.
Wonder what might derail your future hopes, dreams and desires? Join Consider This Program for answers.
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Transitioning into retirement is just as much emotional and physical as it is financial! On this episode of Consider This Program we will discuss potential strategies for a happy retirement.
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Did you know cash may not be the best gift for your favorite charities? Join Consider this to find strategies that help your charity and your tax return!
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There are many options for your kids and grandkids when it comes to student housing. Coming up we will discuss things to consider when determining the most optimal housing solutions and college planning on Consider This Program.
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Different tools do different jobs. Find out on Consider This Program why a refinancing of your mortgage might make sense for your retirement.
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Your heart can travel, and your homes can change over time. There are things to consider when relocating, whether part-time or full-time. What are the reasons to relocate, when should you, and how to do it are things we will discuss on Consider This Program.
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At some point, your home will likely be sold by either yourself, surviving spouse or your heirs. The taxation is different depending on who receives the assets and how long you lived there.
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QDRO is an acronym for Qualified Domestic Relations Order. In the case of a divorce where assets are held subject to the Employee Retirement Income Security ACT (ERISA) rules those assets are viewed as joint marital assets. Once the divorce is complete the non-account holding spouse's (alternate payee) right to receive all or a portion of the assets held in the account is established.
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The Kiddie Tax came onto the scene in 1986. This tax prevents parents from transferring large gifts of investments and avoid the taxes associated with the income they produce. Connect with Financial Enhancement Group:
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According to the dictionary, a Trust is a legal relationship whereby an individual or couple (settlors) places their assets into the Trust. The trust now holds this property as its nominal owner for the good of one or more beneficiaries. The owners of the trust appoint “Trustees” who upon the owner's death will take over the administration of the trust duties.
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They call it the Sandwich Generation, but it's not really a generation as much as it is a time frame. Those years when we parents are busy taking care of our children with their needs and at the same time needing to devote more than just social time with our aging parents.
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A gold IRA is one way to save for retirement. As its name suggests, instead of stocks or bonds, it holds gold in the form of bars, coins, and bullion. It can also contain other precious metals like platinum and silver. Typically, people who have a gold IRA are looking to diversify their assets and hedge against inflation.
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Do I need to hire a Financial Advisor is a question many folks ask themselves. The critical questions to ask yourself would be, Why do I need to hire a financial advisor? What benefits could a financial advisor provide my family and me? What type of guidance are we seeking if we were to hire a financial advisor? These questions can help guide the direction of what precisely you are looking to accomplish by seeking professional help.
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If you are similar to most people, the term budget is a nasty six-letter word that no one likes. What do you mean I have to track where I am spending? Balance a checkbook; what does that mean? Better yet, what is a checkbook? I, too, feel this way, but I do know what a checkbook is! For most people, budgeting is not fun, and it doesn't come easy when you have more month left than money in the bank account. However, if you were fortunate enough over your career to save some money and are considering retiring, the word budget should be significant to you. It is so important that it could jeopardize your retirement altogether.
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Emotions play a role in many facets of life, and many of us experience several of them daily. You may experience pure joy and happiness when a child is born and anger when that child does something to upset you later on in life. Everyday emotions play into our decision-making. Some people avoid swimming in the ocean because a shark could bite them. They let the fear of being bitten by a shark steal the enjoyment of swimming in the sea. Some of the same emotions that drive our daily decision-making can also steer our decisions when investing in the stock market. In the world of finance, this is called emotional trading or behavioral finance.
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Drawdown refers to the decline in value from a prior high. Headlines are everywhere (and in many cases should be) with so many different investment classes seemingly on their way to the moon. For many permabears out there (investment strategists who sell doom and gloom), this also is a phrase they have recycled many times over the past decade.
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Investment skill and market results are the two dominant go-to factors for a successful journey from saving to and through retirement. But the luck of timing (the era in which you begin saving and then the era in which you begin dissaving) can be an even more important factor than those two.
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Interest rates collapsed during the pandemic. But they have been on the rise, moving up quickly after the Biden election in November. (Side point: the real action has been in real interest rates)
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Housing prices have moved up strongly over the past year and a half or so to fully recover (and then some) the lost ground from the 2008 housing crisis. The pandemic has created abrupt changes to the housing market dynamics – likely in ways we have only begun to understand. But rising interest rates and a haunting memory from that not-so-distant crash lurk in the shadows.
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You may find yourself in uncharted waters. There are things you need to consider about your tax bracket this year vs. next and whether or not you can use the standard or itemized tax deduction on your tax form 1040. We will discuss a few key considerations on Consider This Program. Join us!
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What do you do with your retirement account after you seperate from the workforce? It depends when and why you are leaving, how old you are and what income you will need and when. We will discuss this on Consider This Program.
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Life comes quickly and change happens. Sometimes by our own doing and sometimes for factors out of our control. (Health, economic slowdown, etc) This conversation discusses things you should consider when you decide to prepare to retire. What does a retirement practice year look like? Find out on Consider This Program.
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Staying connected with your family in person and on paper. You have come a long way to develop relationships with friends and family. The Covid crisis has been best survived by those keeping in touch. The same is true when you leave a long term employment position. Here are some considerations and strategies.
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Can you count on your taxes being lower after retirement? When estate taxes are expected to be high, creating an irrevocable trust can help with the tax bill. Learn about other situations when you might choose this type of trust. unpredictable economic and political environment, does deferring taxes In today's make as much sense as it once did?
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Balancing between these two economic conditions can impact cost of living and investment choices in a big way. From interest rates, to real estate prices to the purchasing power of your fixed income... Inflation and Deflation play a role. Keeping up with the economy is the job of a good financial advisor.
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Do you know the difference between defined distribution and defined contribution? There will come a day that the IRS is at your door to collect. Distribution of your retirement assets can be by your design on theirs. Without proper planning, you may not be as ready for retirement as you think.
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Revocable Trusts are most common, but there are situations where an Irrevocable Trust is the way to go. When estate taxes are expected to be high, creating an irrevocable trust can help with the tax bill. Learn about other situations when you might choose this type of trust.
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What measures do you take to ensure you are safe when surfing the internet? Jeff Lanza, FBI special agent, and Financial Enhancement Group’s Partner and Chief Compliance Officer, Don Hodson, EA, will cover a variety of topics to help ensure that we do not fall victim to cybercrimes and identity theft.
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What measures do you take to ensure you are safe when surfing the internet? Jeff Lanza, FBI special agent, and Financial Enhancement Group’s Partner and Chief Compliance Officer, Don Hodson, EA, will cover a variety of topics to help ensure that we do not fall victim to cybercrimes and identity theft.
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Your legacy plan is one of the many things in life that you cannot simply check off your list and forget about. The tax code has changed and I promise you that it will continue to change. We have people that come in all the time with estate documents created with old rules in mind, things that would simply wreck retirements and create havoc for heirs. You must understand why you need annual tax planning and how things like income variability, death, divorce, and job loss can change the whole picture. There are many tax strategies to consider for every situation. You need to make sure you are working with someone who understands what tax planning really means.
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You need to be aware of conflicts of interest when it comes to hiring a new financial advisor. We all have conflicts of interest in one way or another, even myself at Financial Enhancement Group. Any time someone is going to benefit from the advice they are giving you, they need to acknowledge it and demonstrate how it still benefits you. The value you are getting should supersede any money you are spending. Since only about 10% of the United States work with a fiduciary, most people are faced with someone who is only looking to sell something. When separating from your job you need to be aware of all the options for your 401(k). Just because you can do something with your 401(k) when you leave does not mean you should. There are lots of factors that need to be taken into consideration.
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When it comes to your retirement plan, every decision impacts another. Learn why most decisions cannot be made independently.
There’s a quote from Mark Twain which says, “When you find yourself agreeing with the masses, it’s time to pause and reflect.”
There are many strategies for a successful retirement, but also critical decisions that have to be made beforehand if they are going to work. Determining whether to draw Social Security at 62 as a means of monthly income, or using retirement savings instead and deferring Social Security while the benefit grows, is one of those decisions. This may reduce your retirement savings at first, but when you do finally take Social Security and the monthly income is larger, you are able to rebound. Thus creating a "V". We call this V for Victory.
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Asset allocation is the answer to the age-old advice: Don't put all of your eggs in one basket. Make sure you're on your game when it comes to planning ahead for retirement.
In this episode learn why dividing your retirement savings into various investment categories is crucial to the overall success of your retirement. Learn how asset allocation can impact your investment returns depending on the level of risk you are willing to take. We discuss the three basic types of funds that should be inside your portfolio and what percentage should be in each.
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The IRS can be a tough opponent when it comes to imposing penalties. Find out which ones impact your game the most.
With the Cares Act, many Americans were given permission to use funds from their retirement savings that normally would incur a penalty for early withdrawal. In this episode learn what decisions need to be made by those who took advantage of the exception. Also, find out what the penalties are for infractions such as filing your taxes late, early withdrawal, not taking an RMD and more.
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Volatility has always been a player in the big game. Learn how to defeat this unpredictable opponent.
Before FEG: Acting emotionally during volatility can definitely wreck your retirement. We can help with that.
Volatility has always been a big part of investing. Learning how to become disciplined, as well as keeping your emotions in check, is how you navigate this probable occurrence. In the episode, we talk to CMT Andrew Thrasher, winner of the Charles Dow Award for his white paper titled: Forecasting a Volatility Tsunami. He explained risk assessment and discussed ways that he, as a Certified Market Technician, looks for ways to identify a market environment that can lead to large moves in volatility.
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Congress is trying to figure out a way to keep us alive. It's not our job to figure out ways to manipulate the tax code during a pandemic. However, if you did take a Coronavirus related distribution, find a way to get that back in there. Essentially, when you take those distributions, it does terrible things to you long-term. Find someone who is going to take care of you. Find a person that will put themselves in your situation. For those of you who got the support you need, it will be critical to find ways to put that money back.
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Should you take social security now? Well, what is your age today? Most people believe that they want to take social security at age 62. However, most people can't answer why they want to do it. Not many people really understand that genesis of it. Primarily, it comes from pension funds. At GM – you would get a pension. Then, you would get a bump until age 62; then, the bump would disappear.
When you're taking social security early, most people don't realize that you take a negative 6% cut every year you take it early. 62 is the first year that you can take it, but every year you delay taking social security, you gain 8%. Remember, retirement is all about income, not about assets. Social security dupes people into accepting the money sooner. Overall, if you knew what social security was really worth, you probably wouldn't take it quite as early as you think.
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One of the reasons that Wall Street loves bonds is that they mature. Then, you have to redo something with capital. About 68-70% of the market is actually driven by bonds. You would think that the stock market is larger; however, it’s not. Bonds mature, they die, then capital needs to be replenished. Here’s more about the lifespan of a bond:
- An organization needs to raise capital. So, they raise capital through bonds. Throughout that time, they also give coupons.
- Once the bond is issued, people can buy it.
- When you buy it, you own that bond until it matures.
- At that point, you are given back the principle and whatever coupons were promised.
- The coupons are paid; they don’t accumulate.
What happens inside of the bond arena? Wall Street really does not care who gives them the money for that bond. They are looking for the most amount of capital they can get. The companies that issue the bonds are not interested in the lower tax bracket. Instead, they are interested in people who have all of the cash. Generally, they want people who can write big checks.
68% of bonds are never sold. In the world that we live in today, we are able to buy bonds of any duration (the risk you deal with). You are able to buy bonds that mature at different times in different baskets. When should you buy a bond? Well, it depends. Be cautious about what is going on around you, and know what you are trying to accomplish in the long-run.
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Pulling money out of your accounts does not feel natural because you spent all your time putting that money in there. Another reason people do not pull money out of their accounts is that they don't need it! Lastly, there's a fear of running out of money. Those are the three pain points for why people do not take their money out of accounts. When it comes to the Required Minimum Distribution, you need to understand that your retirement dollars will exit. They will either exit by your own design, they can exit by the force of the IRS (with a 50% penalty), or you let lawyers settle it. For most people, they should design a plan.
So, what has changed with Required Minimum Distributions? Going into the CARES act, you did not have to take the Required Minimum Distribution. Luckily, you get another year to delay. With the SECURE act, we have a limited distribution schedule – it's ten years. Nonetheless, you have to be careful that your thought process is solid. At the end of the ten years, the account needs to be empty. So, it’s time to make a plan!
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Your trust is still valid if you move to another state. The trust can travel from state to state. When you create a trust in Indiana, it is considered an Indiana trust even after moving to Arizona. If you own property in multiple states, you will go into probate in numerous states. If you own a trust, then you won’t go through probate at all provided you have funded the trust with those properties. When moving states, determine which state has the best trust code for you.
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You should not maintain your student loans to build credit. If you have $40,000 of student debt, then you’ve already started to build credit. After making some payments, that will help build credit. If you haven’t made any payments yet, then start doing that before you do anything else. All tax policy is social policy. There will be an awful lot of things that could help with student loan debt coming up. It may be worth it to wait and see what happens.
Determining your domicile is difficult. There are versions of things that matter, but that is not always a guarantee. For a state to become your domicile, you must be in that state for a certain number of days. The number of days you spend in the state does matter. Maintaining your domicile is not as difficult as changing your domicile. All the states want you to live there. When you spend nine months in Florida, that does not mean you can simply declare your domicile is in Florida. It doesn’t work like that! All states have to have revenue. What you really want to do is find out which state will provide you with the best tax opportunity.
The IRS doesn’t care where you live; the state cares where you live. An average American won’t have a lot of issues. If someone is paying over $1,000,000 to a state government and then they pick up and go, the state will care. Some states will continue to tax you when you leave that state. From a political standpoint, it’s going to be interesting how they change the tax code.
Unless you have a family that would take the place in Florida, then Joe would almost always encourage people to rent because you have more flexibility. Some people will stay in Florida forever. However, many people will decide when they’re older that they don’t want to live like snowbirds anymore. If you do own a second home, then you can deduct both mortgage interests. If you have a big RV, then the mortgage interest is part of that deduction as well.
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Most snowbirds come from Canada. Michigan, New York, and Ohio make up the next three states of snowbirds. These snowbirds will choose either Florida or Arizona for the winter. Also, Nevada and Texas are other big snowbird states. Snowbirds tend to be baby boomers between the ages of 55 and 75. Plus, they are well educated, financially secure, and active. The Canadian borders were closed in 2020; that is why many snowbirds couldn’t make it this winter season. The impact to the US economy was tragic.
When you do a conversion, you take money out of an existing IRA and roll it into a Roth IRA. You have to wait five years to be able to have access to any of that money unless you are over 59.5. If you have earned income, and qualify based on income limits, you can contribute $7,000 to a Roth IRA. Ideally, it would be best if you made a contribution before you do a conversion.
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For individuals, there is a $600 stimulus payment for each individual and each qualifying child. It starts phasing out at $75,000 for individuals and $150,000 for couples. Most people who got the first stimulus payment should have already received the second payment by now. On www.IRS.gov there is a place where you can check in about your stimulus check. This check is an advance of your 2020 tax credit. Don’t worry if you didn’t get it. There is still an opportunity to get it when you file your 2020 tax return.
This credit is very confusing to people. So, the stimulus payment is a credit – there is no repayment, and it is not taxable. When they sent out the advance, they looked at your 2018 or 2019 tax return. If your return was lower in those years, then you got the credit. When you file your 2020 tax return, and your income is higher, you still don’t have to pay it back if you don’t qualify for it anymore. Check with your tax professional if you need more guidance on what you are eligible for.
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Empty nesting is not all that it is cracked up to be. When the kids are finally gone, and you have some extra money, what should you do? The last thing you want to have happen is that your standard of living dramatically rises. You’ve been saving and accumulating money for your retirement based on a certain margin. With an extra $1,000 a month, it’s easy to take that money and increase your standard of living. If this happens, then you will need to squeeze in an extra $1,000 to maintain your standard of living down the road. So should you pay down debt, or should you save it? Either is fine, just don’t spend that money. Remember, the more you put into accounts, the more you’re going to have.
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What is a safe amount of money we can withdraw from our portfolio? If you are in your early sixties, you are looking at 3.2% that you can pull out with reasonable certainty that you will be okay. However, this is assuming that you have a financial manager that is managing your portfolio correctly. When you’re over 70, then you can pull out 4%. You can pull out more because you are not going to live as long. At this point, you have to be willing to accept and understand your level of risk tolerance. The worst thing that can happen is panicking when the market starts to crash.
When is the best time to take social security? The longer you wait to take social security, the better it will work out for you, assuming that your health is in good order. The more money you have in tax-deferred accounts, the longer you are able to wait. Finances are a journey, and you have saved this money over an extended period. Remember not to use short-term thinking when it comes to your finances.
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After the loss of a spouse, don’t do anything for the next ninety days to six months because you will act emotionally. However, that’s limited advice. There are two different people that can inherit a Roth IRA: a spouse or a non-spouse. If a spouse inherits it, they can roll it over into one name. Something to consider: with an IRA, you have to wait until 59.5 to get it out. Otherwise, you can elect to take it as an inherited IRA where you have access to the money, and there is no penalty for taking the money out before 59.5. If the living spouse doesn’t have a job, they may want to recognize money from that IRA at a much lower tax bracket than they may find themselves in future years. Make lemonade out of lemons and be smart with what’s going on.
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If you have earned income and it’s not too high, you can put in $7,000 as a contribution. You will pay taxes on this money. However, you will not pay taxes on the growth of this money. You will always have access to your contribution once you’ve made the first deposit. Also, you should never pull the money out unless it’s an emergency. Once you open the Roth IRA, a clock starts to tick. The 5-year clock gives you access to contributions without any penalty, and you will have access to the amount of earnings in there without any penalty. The clock will start on January 1st of the year you make the deposit. When you think about the Roth, you can think about tax breaks.
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You can capture a loss by selling your shares in one company and buying shares in another similar company. It keeps us from being trapped. Keep in mind though, when we talk about a capital loss, it never deals with an IRA or a 401(k). There are rules to harvesting losses. You can use all of your losses, up to all of your gains, plus an additional $3,000. The losses never run out. From a tax stand point, if you file a joint 1040 it represents a spouse and spouse relationship. So if one spouse dies, half of those capital losses disappear.
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As a parent, you teach by example. You should lead by example and encourage your children to pick up habits. In a perfect world, your children should start saving their money between the age of three and five. A great idea is to use three mason jars to hold money for your kids: one jar for spending, one jar for saving, and one jar for giving. Children understand these three concepts.
However, there’s a fourth jar that most parents often miss: Taxes. For now, start with three and then add the tax jar when your children start to mature. The jar method works far better when the children actually earn the money for their jars. For instance, you can give them money in exchange for doing chores. Take time as you go through the process of teaching your children about money. Don’t be afraid to repeat yourself; it’s going to take a decent amount of time for them to understand all the concepts. Also, have a real talk about money and what it does. For instance, tell them it’s not free; it has to be earned. At some point in time, your children will have to save money. It’s essential to prepare them ahead of time.
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We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
The word recession gets thrown around in the news all the time, but how do we know if we are really in a recession or not? The National Bureau of Economic Research (NBER) is who can determine whether we are in a recession. The formal label “Recession” becomes official well after the fact. Normally a recession is not declared until twelve months after it occurs. A recession typically happens every four or five years. So, what should you do as an investor to prepare for a recession? As an investor during a recession, you want to run for the hills! It can be excruciating to watch your stocks go down for twelve months straight. However, you can’t actually run for the hills. Instead, look at the sectors you are invested in because some do better than others during a recession. In other words, focus on turning lemons into lemonade.
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
If you must use an annuity, Joe recommends to use a “no-load” annuity because it is a type of retirement investment that charges lower fees. Plus, these annuities are sold by people who are not commission-based brokers as is usually the case. Instead, these annuities are sold directly by financial institutions. If someone needs an immediate income guaranteed over a certain period of time, then an annuity can be of great assistance. In most cases however, there are better options.
Connect with Financial Enhancement Group:
Visit our Facebook page at www.Facebook.com/FinancialEnhancementGroup
Join our Facebook Group at www.yourlifeafterwork.com/FinancialTidbits
Visit our website at www.yourlifeafterwork.com
We would love to answer your questions on air!
Give us a call at 800-928-4001 or send them to TalkToFEG@yourlifeafterwork.com
Today on Consider This BEST OF... We discuss the Coronavirus housing boom, social security windfall issues, charitable considerations, and Roth 401k to IRA conversions.
Join Big Joe and guest co-host Daren Hardest as we discuss complications of 401K withdrawals, putting together a business plan, Trusts & should they be part of an Estate plan as well as Plan B when unexpected things happen.
Today on Consider This Program we discuss the death of deferment, end of year planning, and how to give a speech over Zoom. Special guest Joel Weldon.
Today on Consider This Program we discuss the Mega Roth, Investing in Gold, 6 amazing wonders of the retirement world, and Financial Superpowers!
Today on Consider This Program we discuss timing social security, how do I know if I have enough money to retire, and charitable gifting strategies.
Today on Consider This BEST OF we rediscover how to set up a business from a tax perspective, saving in your 30s, passive investing, and my life and wishes...
Today on Consider This Program we discuss the death tax exemption, mergers and acquisitions, RMDs, and why you can't hide your retirement from the IRS.
Today on Consider This Program we discuss the "Magical" Roth IRA! Also, is life insurance a waste of money? And what are some secrets that Wall Street doesn't want you to know?
Today on Consider This Program we discuss tips for surviving your spouses retirement, leaving assets behind and how to manage them, and info on the Indiana College Choice Plan...
Today on Consider This BEST OF... We rediscover topics such as decreased mental capacity of the elderly, timeshares, reading the ticker, and estate planning.
Today on Consider This Program we discuss Special Needs Trusts, Health VS Wealth, and what to consider before you take Social Security.
Today on Consider This Program we discuss Cyber Security with FBI Special Agent Jeff Lanza! We also cover PPP Loans and how to save for retirement.
Today on Consider This Program we talk about Influencers and all their millions of followers, how the economy and stock market are two very different things, and what to do about your taxes if your spouse dies suddenly.
Today on Consider This Program we talk about PETS and what you can leave behind for them in your will! We also discuss passive investing, charitable considerations, and what is a conflict of interest?
Today on Consider This Program we discuss estate planning, saving money in your 30's, expatriation, and a housing boom during a pandemic.
Today on Consider This Program we discuss selling homes in the state of Indiana, social security windfall issues, reading the ticker, and the difference between a trustee and executor!
Today on Consider This Program we discuss what happens with taxes during a divorce! Also what is yield? And should I still use a QCD if Required Minimum Distribution is NOT required?
Today on Consider This Program we talk about what to do with an old insurance policy, Technical Trading with Andrew Thrasher, and what is Bracket Bumping?
Today on Consider This Program we discuss stock splits and fractional shares, Timeshares, and setting up a business from a tax perspective.
Today on Consider This Program we talk about the BIG MAC Index, where we compare the price of the popular sandwich all around the world. We also discuss what happens when our parents start showing signs of Dementia. How do we deal with their finances? And also, who sets the value of our dollar?
Today on Consider This Program we talk about Roth Conversions, comparing finances to household chores, and designed distribution.
Today on Consider This Program we discuss Roth IRAs and their MANY uses. We also cover Dollar Cost Averaging as well as the current and previous financial crisis.
Today on Consider This Program we talk about Dollar Cost Averaging, thinking through the Standard Deduction, and we explain the Fiduciary Focus.
Today on Consider This Program we talk about TAXES! When are they really due? What the tax differences between LLCs, S Corps, C Corps, and Soul Proprietors? And also, what if you are a freelancer? How do your taxes differ?
Today on Consider This Program we talk about charitable gifting, how to avoid tax audits (and what to do if you are called), and all the different types of beneficiaries you can have...
Join us as we talk with Real Intelligence LLC President Jeffrey Mount. Real Intelligence LLC empowers wealth consultants to overcome the competitive challenges of artificial Intelligence.
Today on Consider This Program we talk about successor trustees, natural disaster insurance, and the economic factor of Covid 19.
Today we talk about the differences between Universal and Variable Life Insurance policies, what to understand about harvesting losses, and how harvesting losses is not necessarily a bad thing.
Today on Consider This Program we talk about International Investing, how Annuities work, and just how exactly does the Cares Act impact you?
Are shared buybacks good? Today on Consider This we talk about Stock Buybacks and the myths and misconceptions behind them. We also talk about inflation and how you may not be able to see it, but inflation sure is affecting you!
Join us as we talk with author Benjamin Hardy about the driver behind his book "Willpower Doesn't Work" and peek into his new book "Personality Isn't Permanent".
Dr. Cameual Wright, Indiana's Market Medical Director for CareSource, joins Consider This to break down what CareSource and relay ideas regarding to self care.
Today we talk about harvesting losses! It may sound bad, but from a tax standpoint it is a beautiful thing... Also, should your house be a part of your nest egg? And it's not always easy to transfer a family business, but we can make it easier.
Today we talk about ABLE Accounts and who can access them, what are Qualified Domestic Relation Orders, and is social security really going broke?
This week we talk about the day that oil went negative, what is a relief rally, and how not all states are equal when it comes to Coronavirus relief.
Budget is a critical part of retirement. Even if you aren't a budget fan, Joe Clark, CFP, admits he is not one, but that is critical in retirement. Find out more in this short segment on retirement budgets.
How do you deal with distribution in a crazy economy like the one we are currently in? Is it still alright to retire? All this and more on Consider This Program.
Today we talk about being a single parent during Covid 19. Also, what does it take to "upgrade" your budget, and how difficult legacy planning and gifting can be during these strange times.
Today we talk about how the CARE Act influences your 401k, as well as the best way to make a charitable gift during the middle of a crisis! We also cover how investment statements work and how to deal with beneficiaries who are NOT equal.
Today we talk about Roth Conversions, is it time for a financial upgrade, what is capitol loss harvesting, and what is the difference between a home equity line of credit and a home Loan...
Today we talk about the Care Act recently passed by the United States. We have experts on to talk about how business loans have changed, how student debt has changed, and how for the next few months at least... The financial world has turned upside down!
Today on Consider This Program we talk about Co-Signing, should you call your fiduciary if you find out from your doctor that you are not going to make it, and we cover the newest federal intervention as well as the recently passed stimulus package.
Today on Consider This Program we talk about the craziness currently consuming our economy due to the Coronavirus. We also cover low interest rates and what they mean to you, and why we LOVE Exchange Traded Funds!
How are the Coronavirus and oil prices causing such extreme Market Volatility? And what can we expect going forward?
Today we cover such topics as how to talk to your parents about finances, why do life insurance premiums seem like a waste of money, and have you ever assumed something to be true and made an honest mistake? All this and more on Consider This Program!
Join Big Joe and David Keller, CMT as we discuss Market Misbehavior with insights into behavioral finance, how we think about our relationship with our money, finances and investments.
Today on Consider This we talk about Caps, inherited IRAs, and how you should budget for retirement!
Today on Consider This Program we talk about the "dreaded" Phantom Capital Gains, what is the definition of a fiduciary, and what happened to QCDs when the Secure Act kicked in...
Today on Consider This we talk about when to take out social security, what to do if you have an annuity, and what are these new things called Buffered ETFs?
Today on Consider This we talk about the 2025 Tax Code Sunset, what you should consider when thinking about long term care in a nursing home, snow bird retirement, and the standard deduction versus the itemized deduction.
Does gold belong in your financial portfolio? How do behavioral finance and technical trade work together? And now that the Secure Act has passed, what does that mean for people with college debt?
The Secure Act has passed. What does that mean for your investments? Also, what happened to Stretch IRAs?
Today we talk about faith based investing, the pitfalls of a ROTH conversion, what happens when you sell something that has a loss or a gain, and what to consider if you are retiring this year.
Join us as we discuss easy New Years Resolutions for retirement, simplified gift tax rules & feature conversations on Suddenly Single.
What strategy for investments do you use? Have you ever tried to explain why your portfolio has suddenly changed? And do you take into account Enviornmental, social, and other issues when investing?
Today we talk about how Black Friday impacts over all retail sales. Also, are you over 75? Then you need to know about Required Minimum Distributions. And should you stay away from Annuities? This week on Consider This!
Join us as we discuss what to do with Previous Employer 401K's, Digital Assets, when to contribute to an IRA and Charitable Giving.
Saving money for college is, strangely, not always financially solvent. Also, how do you know when you are able to put money in an IRA or 401k? And if you have a pension or social security and you've worked for the public sector, did you know you can be taxed more? All this today on Consider This Program!
Join us for discussions about Roth IRA's, Exchanged Traded Funds, Credit Scores, Financial Abuse and more.
What is the difference between an Exchanged Traded Fund and a Mutual Fund?
Let's talk about Elder abuse, it's not a fun topic, but it has to be discussed. Listen in to what we have to say.
We've been hearing a lot about Brexit, but what exactly is it? And how will it impact us?
When you think of retirement, do you think you can retire on $500,000?
Is your 401(k) diversified? What if it's not?
Plus an interview with Dan Taylor on Thomas Lincoln, Abraham Lincoln's father all on this episode of Consider This!
Life Insurance, the good, the bad, the ugly - and Grant! Grant is our guest speaker from the Financial Enhancement Group to chat with us about Life Insurance.
We also cover the top 10 ways Required Minimum Distribution is misunderstood. If you don't know what an RMD is, please tune in now, you don't want to miss this segment.
Do you know the difference between a trust protector verses a trustee?
We cover all of this and more in this episode of Consider This Program with Big Joe Clark, Ken Dilger, Angi Kinser and special guest Grant Soliven.
Retirement strategies.
Fear of running out of money.
Too Young to Retire (book by Paul Ward) 2 young 2 retire.
The inner journey to conscious leadership (book by paul ward).
Power of purpose.
Do you get nervous when you hear the word recession? Today we talk about the dreaded "R" word "RECESSION," and what it really means with our Chief Financial Advisor, Adam Harter.
Are you familiar with the widow and widower's penalty? As if you don't all ready have enough going on in your life, you now have to deal with this.
We chat about Roth recharacterizations and more too! Tune into this episode of Consider This Program.
Have you thought about putting off retirement? Or maybe retiring early? And what would happen if you took money out of your IRA for 60 days and didn't put it back in?
Imagine having extra income and not knowing where to put it! Is all income taxed the same way? Absolutely not! And did you know the the rental market is about to dominated by people over sixty?
Author Iyabo Ojikutu, MD and Joe Clark discuss her book "Permanent Happiness", The Only Way to Find Peace, Joy and Your Life-Given Purpose.
What is a "Stretch" IRA and how does it help you? We also discuss what happens if you fail to take out your Required Minimum Distribution, and what happens if you agree to take care of somebody who lives MUCH longer than you thought they would.
What is the difference between an IRA and all the other investments out there? And have you ever thought about doing a Qualified Domestic Relation Order? Don't!
Today we talk about Roth IRAs, what happens to old 401Ks when you go to another company, and how inherited IRAs can mess up taxation.
Do you need a Trust? Today we talk about Charitable Planning, Special Needs Trusts, and negative interest rates.
Breaking out the great recent podcast moments to Radio! Discussions regarding culture, teaching kids to invest, the difference between technical, fundamental and narrative type investing and My Life & Wishes (when something happens to you how to best be prepared)!
Does minimum wage affect inflation? How social security might be the biggest financial decision you will ever make, and what are Treasury Inflation Protected Securities?
Today we talk about using Health Savings Accounts (HSA) to help save up for retirement. Also, do you invest a little at a time, or a lot?
Why is the federal reserve adjusting interest rates in a growing economy? What happens if you die without a will? And a short interview with Jon Bradock.
Today we discuss Phantom Capitol Gains, how Medicare works, generational differences of expectation versus reality, and we have a short interview on "Permanent Happiness" with Doctor Iyabo.
How IRAs and 401Ks are different, taking care of your IRA in your estate, and how to avoid hidden taxes and penalties of an IRA.
Today we talk about hybrid long term care policies, why your broker should ask for your tax return, and why you shouldn't mess with your IRA unless you have to.
Today we talk about Health Savings Accounts, details on gifting stocks to your children, and what you need to know if you inherited an IRA.
A discussion on stock buybacks, what is a retirement budget, and giving advice to your 30-year-old self!
Three phases of finance for retirement... What is your biggest fear as a retiree? And Elder Crimes with Michael Hackard.
Did you know you can pay for college with future incomes? We also discuss annuities, surprises that destroy retirement, and later, we introduce special guests Andre Norman!
Today we discuss starting a new job at 50 years old, and how co-signing for college loans has caused retirees to carry a brand new burden.
Discussion about common myths on paying taxes after retirement. Myths about taking out social security too early. And myths regarding what is really in your Will.
Conversations regarding Roth IRAs, inherited assets, college debt and savings, pension funds, and differences in gender and investing.
Conversations regarding allocations, quarterly rebalancing, liquidity, risk tolerance, asset indexes, and missed RMD's.
Conversations regarding year end planning, regrets, ramping up retirement and home buyers guide.
What goes in must come out, the real risk in hiring a financial advisor, tax loss harvesting & much more!
Thought processes shouldn't change but conclusions will change over time.
Check out these short 4 segments in this radio including: What do you do with the 401k from your previous Employee? Is there a time, if any, when you shouldn't put money into an IRA What to do with your digital assets? Health records, passwords, financial records... Who takes over? All about charitable gifting... Rules, how much you can deduct, to whom, and more!
Consider This Program 2-2-19 with Big Joe Clark & Ken Dilger.
In this episode of Consider This Program:
Segment 1: The Shopping List
- The FEG Fiduciary Focus
- Annuities, Life Insurance and other products
- Having a checklist or shopping list when looking into products
Segment 2: Taxes Today & Tomorrow
- Tax Journey, many things happen in life. The possibilities of something happening.
- How is it taxed today, along the way and tomorrow?
- Tax Diversification
- Defined Distribution
Segment 3: Loss of a Spouse
- 70, 70, 70 Rule
- Stairsteps
- Defined Distribution
- How's it taxed
Segment 4: Rule of Thumb
- Social Security Example
- Look at your investment process that you are using
- Tax Implications
Segment 5: Recap
Disclaimer: Joseph Clark is a Certified Financial Planner™ and the Managing Partner of Financial Enhancement Group, LLC an SEC Registered Investment Advisor. He is the host of “Consider This” found on WIBC Saturday mornings from 6-7a.m. as well as three other Indiana-based radio stations. Joe has served as an Adjunct Assistant Professor at Purdue University where he taught the capstone course for a degree in Financial Counseling and Planning.
Financial Enhancement Group is an SEC Registered Investment Advisor. Securities offered through World Equity Group, Inc., Member FINRA/SIPC, and a Registered Investment Advisor. Investment Advisory services offered through Financial Enhancement Group (FEG) or World Equity Group. FEG is not owned or controlled by World Equity Group.
Joseph Clark and World Equity Group, Inc. do not provide tax or legal advice. For tax advice consult with a qualified tax professional. For legal advice consult with an attorney.
Understanding why anyone can be a Financial Planner but NOT a Certified Financial Planner or Fiduciary.