Wealth Curve Talk with John L. Smallwood: Recent Episodes
Wealth Curve Talk with John L. Smallwood
Sustainable Trans. Sustainable Food Watch Replay
The post Financial Pressure Webinar – Sustainable Investing & Policy and the New Administration appeared first on Smallwood Wealth Management.
As fear and uncertainty creep back into the market, John believes the best way to address it is with a solid financial plan. This week, he breaks down how to build a strong foundation for that plan and how to adapt as life and the market changes. Want to start building that foundation? Get your […]
The post The Foundation of a Financial Plan appeared first on Smallwood Wealth Management.
It’s time for a conversation about market volatility. With the major Wall Street indices in correction territory after the Russian invasion of Ukraine, it’s natural to be concerned. But on this week’s episode, John discusses the volatility concept, stock market history, and why it’s important to have the strategies & confidence to weather the storm […]
The post A Conversation About Market Volatility appeared first on Smallwood Wealth Management.
When it comes to investing, volatility is party of the game. But should you pay attention to the so-called January Barometer and other market “predictors?” John breaks down the stats on this week’s podcast, and explains how to approach investing for the long haul. Find out how market volatility affects your Wealth Curve. Get your […]
The post As January Goes, So Goes the Year: The Return of Market Volatility appeared first on Smallwood Wealth Management.
When it comes to financial planning, rate of return is not everything. This week, John discusses the Wealth Curve conversation and why it’s important to discuss your family dynamics and life changes as part of the process with your financial advisor. Start the Wealth Curve conversation anytime at www.SmallwoodWealth.com.
The post The Wealth Curve Conversation appeared first on Smallwood Wealth Management.
It’s not too late to get started on some financial goals for the new year, but first, you might want to take a look back at 2021. This week, John suggests some ways to evaluate the year you had and how that can help you plan to hit your lifestyle goals in the future. Want […]
The post Looking Back in Order to Get Ahead appeared first on Smallwood Wealth Management.
At a time of high inflation, low interest rates, and a market near record highs, you have to be ready to adapt to the increasing pressure. This week, John discusses how to adopt the Swiss Army Knife strategy for inflation to give yourself the tools to help release the pressure on your portfolio. Want to […]
The post The Swiss Army Knife Strategy for Inflation appeared first on Smallwood Wealth Management.
Have you heard that it’s best to wait until 70 to claim Social Security benefits? This week’s podcast may change your thinking. John lays out a hypothetical scenario with a 65-year-old couple to show you how this decision can have a big impact on how you maximize your wealth through retirement. Find out how Social […]
The post Social Security Stupidity (Part 2) appeared first on Smallwood Wealth Management.
OK, we don’t want anyone to feel stupid…but this week’s episode is for those of you who might be thinking about waiting until age 70 to take your Social Security benefits. John challenges the typical advice, and discusses the reasons you might want to take it early! How would that affect your retirement income? Find […]
The post Social Security Stupidity appeared first on Smallwood Wealth Management.
This week’s podcast is for all ages. Whether you’re in your 20s, 40s or 60s, you probably want to find out how you can reach your maximum potential with your wealth. John walks you through actionable steps this week to help you get to your goals. Listen now & check out our free Wealth Curve […]
The post The Wealth Curve Mindset Maximizer appeared first on Smallwood Wealth Management.
It looks like politicians in Washington, D.C. may have to settle for less than what they were hoping for in some of the latest tax proposals, which may give those of us who’ve saved for retirement more opportunities to do some forward tax planning. Listen this week as John L. Smallwood revisits the different sources […]
The post 19 Sources of Retirement Income (And How They’re Taxed!) appeared first on Smallwood Wealth Management.
The House has just passed a new massive infrastructure bill after months of negotiations. While it could mean that the annoying potholes on your daily commute might finally get fixed, it may also affect your wealth. Listen this week as John discusses the industries that might benefit from this spending package, and who’s going to […]
The post The Infrastucture Bill: What It Means for You appeared first on Smallwood Wealth Management.
You’ve saved and saved for years just to get to retirement and feel like you’ve reached the top of the mountain. Now, how are you going to find your way down? Join Smallwood Wealth’s Ed Bao this week as he discusses the importance of finding the right guide in retirement. Be sure to check out […]
The post Jumping the Wealth Curve with Special Guest Host Ed Bao appeared first on Smallwood Wealth Management.
With inflation running at nearly 6% and tax changes coming soon, you might be wondering how these issues could affect your retirement income. This week, John dives into the numbers and discusses the strategies to consider to help control your tax bracket in retirement. Find out how taxes & inflation could affect your Wealth Curve […]
The post Taxes & Inflation: The Impact on Your Bottom Line appeared first on Smallwood Wealth Management.
In part two of John’s special series on taxes, he highlights the major tax changes that Congress is debating in the final few months of 2021. Who could move up to a higher tax bracket? What about changes in tax deductions for small businesses? How could your heirs be affected? Find out how these tax […]
The post Taxes: The Greatest Destructor of Wealth (Part 2) appeared first on Smallwood Wealth Management.
As Washington debates some major tax changes, it’s more important than ever to understand the rules available to you as a retirement saver, retiree or small business owner. This week, John starts a special series on taxes with information on current tax rates and the tax breaks you might still be able to take advantage […]
The post Taxes: The Greatest Destructor of Wealth (Part 1) appeared first on Smallwood Wealth Management.
From food to clothing to gasoline, the cost of just about everything is going up. But is inflation here to stay, or will we see it ease over the coming months? And how do you prepare your portfolio for the price spikes? John L. Smallwood explains on this week’s episode. Set up a time to […]
The post Is Your Inflation Transitory? appeared first on Smallwood Wealth Management.
It’s been a tough 18 months for small business owners, so you deserve every tax break you can get! This week, John L. Smallwood talks with AmpliFi Founder & President Brent Allen about the Employee Retention Credit (ERC) and who might qualify. It’s a must listen episode for anyone who held onto employees during the […]
The post ERC: The Business Tax Credit No One’s Talking About appeared first on Smallwood Wealth Management.
Does your QBI come with salted BAIT? In this episode, John introduces to listeners about taxes, taxes, taxes, and the reduction of taxes. The reduction of taxes is the most important part of any wealth plan. You have to pay the least amount of taxes through these three phases. You need to pay the least […]
The post DOES YOUR QBI COME WITH SALTED BAIT? appeared first on Smallwood Wealth Management.
In this episode John introduces listeners to Disability Insurance Awareness Month and discusses how disability done right can add value to your plan. He also explains how simulating the outcome of negativity is a key to good financial planning.
The post INFLATION IS HERE, ALWAYS HAS BEEN, AND ALWAYS WILL BE. HOW WILL IT IMPACT YOU? appeared first on Smallwood Wealth Management.
In this episode John introduces listeners to Disability Insurance Awareness Month and discusses how disability done right can add value to your plan. He also explains how simulating the outcome of negativity is a key to good financial planning.
The post THE 7 BIGGEST TAX INCREASES PROPOSED BY THE BIDEN ADMINISTRATION appeared first on Smallwood Wealth Management.
In this episode John introduces listeners to Disability Insurance Awareness Month and discusses how disability done right can add value to your plan. He also explains how simulating the outcome of negativity is a key to good financial planning.
The post PROTECT YOUR #1 ASSET – THERE IS NO TIME TO WASTE WHEN IT COMES TO DISABILITY INSURANCE appeared first on Smallwood Wealth Management.
In this episode John introduces listeners to Disability Insurance Awareness Month and discusses how disability done right can add value to your plan. He also explains how simulating the outcome of negativity is a key to good financial planning.
The post INTRODUCTION TO DISABILITY INSURANCE AWARENESS MONTH appeared first on Smallwood Wealth Management.
In this episode, John and Barry Dyke discuss crony capitalism and the secret that the big banks know but won’t tell you.
The post THE PIRATES OF MANHATTAN OWN THIS AS A FOUNDATION, DO YOU? appeared first on Smallwood Wealth Management.
In this episode John discusses strategies for those experiencing financial stress due to COVID-19.
The post FIGHTING COVID: THIS IS WHAT YOU CAN DO TO LOWER FINANCIAL STRESS appeared first on Smallwood Wealth Management.
In this episode John talks to host Joe Robert about the benefits of a charitable remainder trust.
The post HOW TO KEEP MORE OF YOUR WEALTH WITH A CHARITABLE REMAINDER TRUST appeared first on Smallwood Wealth Management.
In this episode John and his guest Rob Lowe discuss the role a reverse mortgage has during retirement.
The post THIS HOW TO PLAN SO YOU GET THE BEST REVERSE MORTGAGE appeared first on Smallwood Wealth Management.
In this episode John and Ed from Smallwood Wealth Management discuss market volatility impacted by politics and the potential impact on your wealth.
The post HOW ELECTIONS CAN IMPACT MARKET VOLATILITY & YOUR WEALTH appeared first on Smallwood Wealth Management.
In this Biden 401k-related episode John and Josh explain how a Biden tax plan can impact your 401k and wealth.
The post WHAT BIDEN’S 401(K) TAX PLAN COULD MEAN FOR YOU appeared first on Smallwood Wealth Management.
In this radio show episode John discusses with Josh Jalinski the impacts of a Biden tax plan
The post WHAT YOU NEED TO KNOW ABOUT THE BIDEN TAX PLAN appeared first on Smallwood Wealth Management.
In this episode of Retirement Tips Radio, Lee Kantor and John discuss what you can do to boost your retirement income
The post RETIREMENT TIPS WITH LEE KANTOR appeared first on Smallwood Wealth Management.
In this episode, John and Ed discuss with special guest Dan Mihlon...
The post WHY REVIEWING YOUR MEDICARE SUPPLEMENT ANNUALLY IS KEY appeared first on Smallwood Wealth Management.
In this episode, John and Ed discuss with special guests Jeffrey Clark the impact of pandemic, civil unrest, and loss of pensions on building wealth
The post “SAFE” WITHDRAWAL RATES: HOW YOU CAN GET A PAYCHECK FOR LIFE appeared first on Smallwood Wealth Management.
In this episode, John goes over the reasons for having a charitable remainder trust.
The post CHARITABLE REMAINDER TRUST: WHY YOU SHOULD HAVE IT appeared first on Smallwood Wealth Management.
In this episode, John continues his series on the 19 Sources of Retirement Income, explaining how to strategically use principle pay downs to boost your retirement income.
The post HOW TO TAKE ADVANTAGE OF THE SURPRISING BENEFITS OF PRINCIPAL PAYDOWN appeared first on Smallwood Wealth Management.
John continues his series on the 19 Sources of Retirement Income, explaining how to strategically use IRA income along with other income sources in retirement.
The post THIS IS WHAT HAPPENS WHEN YOU ADD IRA TAX BENEFITS TO YOUR RETIREMENT PLAN appeared first on Smallwood Wealth Management.
John continues his series on the 19 Sources of Retirement Income, explaining how to create a tax-advantaged income stream from your Roth IRA in retirement.
The post THE ROTH INCOME LIMITS THAT CAN MAKE YOUR RETIREMENT RICHER appeared first on Smallwood Wealth Management.
John and his partner Edward Bao, CFP, AIF®️ discuss the 9 areas that exert pressure on our wealth.
The post HOW TO NAVIGATE FINANCIAL PRESSURES: THIS IS YOUR STRATEGY GUIDE PART 3 appeared first on Smallwood Wealth Management.
In this episode, John continues his series on the 19 Sources of Retirement Income, explaining how using an annuity can help take the pressure off your other income sources in retirement.
The post THE ASTONISHING BENEFITS OF AN ANNUITY CONTRACT appeared first on Smallwood Wealth Management.
In this episode, John continues his series on the 19 Sources of Retirement Income, explaining how out of the many types of annuities, the immediate annuity can provide a guaranteed, tax-advantaged income stream in retirement.
The post THIS IS HOW IMMEDIATE ANNUITY INCOME MAKES ALL THE DIFFERENCE appeared first on Smallwood Wealth Management.
In this financial strategy guide episode, John and his partner Edward Bao, CFP®, AIF® discuss Smallwood Wealth’s approach to financial planning, and how your plans may shift emphasis under the current economic circumstances.
The post HOW TO NAVIGATE FINANCIAL PRESSURES: THIS IS YOUR STRATEGY GUIDE PART 2 appeared first on Smallwood Wealth Management.
John and his partner Edward Bao, CFP®️, AIF®️ discuss the second stimulus bill and the fundamentals of financial planning that will help us withstand current economic pressures.
The post COVID-19 WEBINAR: THE SECOND STIMULUS PACKAGE appeared first on Smallwood Wealth Management.
In this episode, John reviews his Wealth Curve Pressure Identifier, a resource that walks you through 9 areas that are key to understanding the pressures on your wealth, now and in the future.
The post HOW TO NAVIGATE FINANCIAL PRESSURES: THIS IS YOUR STRATEGY GUIDE appeared first on Smallwood Wealth Management.
The 19 Sources of Retirement Income: The Reverse Mortgage Explained Welcome to the Wealth under Pressure Podcast. John Smallwood, a certified financial planner, identifies key areas of pressure on your wealth and strategizes with you to reduce it. In this episode, John continues his series on the 19 Sources of Retirement Income, discussing the power […]
The post REVERSE MORTGAGE EXPLAINED: THIS IS HOW IT CAN WORK FOR YOU appeared first on Smallwood Wealth Management.
The 19 Sources of Retirement Income: Real Estate Rental Income Welcome to the Wealth under Pressure Podcast, in which John Smallwood, a certified financial planner, identifies key areas of pressure on your wealth and strategizes with you to reduce it. In this episode, John continues his series on the 19 Sources of Retirement Income, discussing […]
The post HOW TO BOOST YOUR REAL ESTATE RENTAL INCOME appeared first on Smallwood Wealth Management.
COVID-19 Webinar: The First Stimulus Bill In this webinar, John and his partner Edward Bao, CFP®, AIF® discuss the three phases of the Federal Government’s stimulus bill. Particularly they discuss how it may impact small business owners. John is the author of 5 Ways Your Wealth is Under Attack and It’s Your Wealth – Keep It.” He […]
The post COVID-19 WEBINAR: THE FIRST STIMULUS BILL appeared first on Smallwood Wealth Management.
The 19 Sources of Retirement Income: Royalty Payments In this episode, John continues his series on the 19 Sources of Retirement Income, discussing the part that royalty payments and income can play in your retirement plan. John is the author of 5 Ways Your Wealth is Under Attack and It’s Your Wealth – Keep It.” He has lectured […]
The post THE EXCITING BENEFITS OF ROYALTY PAYMENTS IN RETIREMENT appeared first on Smallwood Wealth Management.
The 19 Sources of Retirement Income: Business Income In this episode, John continues his series on the 19 Sources of Retirement Income. He discusses the benefits of holding on to your small or medium-sized business in retirement. John is the author of 5 Ways Your Wealth is Under Attack and It’s Your Wealth – Keep It.” He has […]
The post BUSINESS INCOME: IS THIS THE BEST THING IN YOUR RETIREMENT PLAN? appeared first on Smallwood Wealth Management.
Capital Gains Income In this episode, John continues his series on the 19 Sources of Retirement Income. He focuses on the low-taxation income available from long-term capital gains. John is the author of 5 Ways Your Wealth is Under Attack and It’s Your Wealth – Keep It.” He has lectured extensively on financial planning and is a recipient […]
The post THIS IS WHY YOU NEED TO HAVE CAPITAL GAINS INCOME appeared first on Smallwood Wealth Management.
The 19 Sources of Retirement Income: Whole Life Insurance Dividends In this episode, John continues his series the 19 Sources of Retirement Income. He focuses on Whole Life Insurance. In the episode he describes the ways in which Whole Life differs from other types of life insurance. He also highlights how you can use the […]
The post WHOLE LIFE INSURANCE DIVIDENDS: HOW TO GET TAX FREE INCOME appeared first on Smallwood Wealth Management.
The 19 Sources of Retirement Income: Municipal Bond Dividends In this episode, John continues his series on the 19 Sources of Retirement Income. He focuses on yet another way to add tax-free income to your retirement plan: dividends from municipal bonds.
John is the author of 5 Ways Your Wealth is Under Attack and It’s Your Wealth – Keep It.” He has lectured extensively on financial planning and is a recipient of the Five StarSM Wealth Manager Award.
Don’t miss John’s takeaways:
- When most financial planners talk about tax-free income, they’re referring to municipal bond dividends.
- When you purchase municipal bonds, you are in effect lending money to the government. Interest is the payment you receive for the use of your money. When you lend it to a bank, a corporation, a government, an individual, or a business.
- Most municipal bonds are tax-free at the federal level.
- Exceptions include private activity bonds that are subject to the alternative minimum tax. So, always check what you are buying.
And more! * Municipal bonds are part of a strategy to have multiple income sources in the center of your 1040 tax return: Line 2A is tax-exempt interest income, Line 2B is taxable interest income, Line 3A is your qualified dividends, and Line 3B is ordinary dividends. * Getting the right mix of taxed and tax-free income streams in your portfolio can reduce your overall taxation. For example, if your ordinary dividends are taxed at the highest tax bracket, moving some of that to municipal bonds could dramatically reduce your tax bill.
In a rising tax environment, municipal bonds are extremely valuable. Tax-free dividends reinvested into a municipal bond portfolio can be a powerful creator of wealth.
If you are new to Smallwood Wealth schedule a Wealth Curve Conversation here.
You can also connect with us on social media, or call us at (800) 797-1000. Set up a free, no-obligation phone call.
Let’s diversify your income streams for retirement.
The post TAX FREE DIVIDENDS: HOW TO GET THE MOST OF IT appeared first on Smallwood Wealth Management.
The 19 Sources of Retirement Income: Qualified Dividends In this episode, John continues his series the 19 Sources of Retirement Income. He takes a deeper look at last week’s episode. He also explains qualified dividends, and how they differ from ordinary dividends. A mix of both can bring you a resilient and tax-efficient income stream.
John is the author of 5 Ways Your Wealth is Under Attack and It’s Your Wealth – Keep It.” He has lectured extensively on financial planning and is a recipient of the Five StarSM Wealth Manager Award.
Don’t miss John’s takeaways:
- Dividends come from owning stock in a company. Shareholders are paid from them in regular intervals.
- Owning stocks as an individual—in addition to whatever you own in your investment accounts—provides another income stream. This can give you redundancy and protection in your retirement plan.
- Your dividend yield should derive from both qualified dividends and ordinary dividends.
Plus: * All dividends are ordinary unless they are specifically designated “qualified”. In this case they have to meet certain standards set by the IRS. A company can pay out qualified dividends if: + It is a US company, publicly traded on a US market, or + It is a foreign company that either has been incorporated in the US or is part of a comprehensive income tax treaty, and + The investors hold their shares for a specified set period of time. * Qualified dividends are taxed at the capital gains rate. This is much lower than your tax bracket for ordinary income. It’s also the primary benefit of this type of dividend. You could pay 20% tax, 15% tax, or 0%, depending upon your income tax bracket * Do you have both qualified and ordinary dividends from many different types of companies in different industries and in different countries? If so, this gives you a resilient, tax-efficient income stream.
At Smallwood Wealth, we want you to accumulate as many of the 19 Sources of Retirement Income as you can. Investing in stocks as an individual gives you a separate stream of income from your retirement accounts. It also protects your plan from unforeseen events.
For more, listen above. If you are new to Smallwood Wealth schedule a Wealth Curve Conversation here.
You can connect with us on social media. Call us at (800) 797-1000 and set up a free, no-obligation phone call.
Let’s diversify your income streams for retirement.
The post THIS IS HOW TO MAXIMIZE ON QUALIFIED DIVIDENDS appeared first on Smallwood Wealth Management.
The 19 Sources of Retirement Income: Ordinary Dividends Welcome to the Wealth under Pressure Podcast. John Smallwood identifies key areas of pressure on your wealth and strategizes with you to reduce it.
In this episode, John continues to discuss the 19 Sources of Retirement Income. He explains ordinary dividends, and the benefit of owning them as an individual, in addition to whatever stocks are part of your IRA or 401K.
John is the author of 5 Ways Your Wealth is Under Attack and It’s Your Wealth – Keep It.” He has lectured extensively on financial planning and is a recipient of the Five StarSM Wealth Manager Award.
His dedication to his clients’ growth involves an evolving strategy. His focus is to meet the desires and needs of his clients in a changing economic environment.
Don’t miss John’s key points:
- Dividends come from owning stock in a company.
- Also, dividends pay to shareholders in regular intervals.
- Furthermore, a strong dividend yield provides the income stream that you want as one of your sources of retirement income. This is apart from your investment accounts.
- It’s important that your dividend yield comes from both qualified dividends and ordinary dividends. This refers to the way they are taxed: Ordinary dividends are taxed as ordinary income.
And more: * All dividends are ordinary unless they are specifically designated “qualified.” Examples of ordinary dividends are:
+ Real Estate Investment Trusts (REITs), traded publicly
+ Master Limited Partnerships (MLPs)
+ Hedge funds
+ Employee stock options
- Having both qualified and ordinary dividends from many different types of companies in different industries and countries gives you a resilient income stream. Therefore, that income stream will be more tax-efficient than if your dividend income is from one source or one type.
We want you to accumulate as many of the 19 Sources of Retirement Income as you can. Investing in stocks as an individual gives you a separate stream of income from your retirement accounts. It can protect your plan from unforeseen events.
For more, listen above.
If you are new to Smallwood Wealth schedule a Wealth Curve Conversation here.
You can connect with us on social media. too. Call us at (800) 797-1000 to set up a free, no-obligation phone call.
Let’s diversify your income streams for retirement.
The post HOW TO MAKE THE MOST OF ORDINARY DIVIDENDS appeared first on Smallwood Wealth Management.
The 19 Sources of Retirement Income: Interest Income Welcome to the Wealth under Pressure Podcast. John Smallwood identifies key areas of pressure on your wealth and strategizes with you to reduce it.
In this episode, John continues to discuss the 19 Sources of Retirement Income. This time he’ll highlight interest income and the role it can play in your retirement plan.
John is the author of 5 Ways Your Wealth is Under Attack and It’s Your Wealth – Keep It.” He has lectured extensively on financial planning and is a recipient of the Five StarSM Wealth Manager Award.
John’s strength is his ability and commitment to improve the level and quality of the financial planning process.
His dedication to his clients’ growth involves an evolving strategy. His focus is to meet the demands, desires, and needs of his clients in a changing economic environment.
Don’t miss John’s takeaways:
- Interest income should be one of many income streams you maintain in retirement.
- Multiple sources of income provide the defense your plan needs against unforeseen events. This ensures you will be able to maintain your current standard of living.
- Interest is the payment you receive for the use of your money when you lend it to a bank, a corporation, a government, an individual, or a business.
- Interest can come from many different places. You could put money into a CD, a money market account, or bonds—to name a few. You could even act as a mortgage lender to your children and have them pay you interest as they repay the loan.
And more: * Interest rates are always changing, and your plan has to account for those increases and decreases. (That’s also why you need redundant income streams.) Heed this cautionary tale: All through the 1980s interest rates were very high, and you could get amazing rates with CDs and bonds. But if that was your big idea for retirement planning, by now you’d be out of luck since interest rates have collapsed over the last 30 years. * At Smallwood Wealth, we want you to accumulate as many of the 19 Sources of Retirement Income as you can. We want you to have the flexibility to be able to move your money around. Doing so will serve you best whether you’re in your accumulation phase, your distribution phase, or your bequeathing phase.
For more, listen above.
If you are new to Smallwood Wealth schedule a Wealth Curve Conversation here.
You can also connect with us on social media, or call us at (800) 797-1000. Set up a free, no-obligation phone call. We call it the Wealth Curve Pressure Identifier. At the end of the call, you’ll know what is the right decision for your retirement plan.
The post INTEREST: THIS IS HOW TO ACCESS ONE OF THE 7 WONDERS OF THE WORLD appeared first on Smallwood Wealth Management.