Get To It With Grace: Recent Episodes
Get to it with Grace
Welcome to “Get to it with Grace”. I'm Grace Speckman, a financial advisor at Evans May Wealth in Carmel, Indiana. I understand firsthand how intimidating, confusing, and complicated investing can feel. In this series, I will break down current market activity, investment strategies, finance jargon... you name it!... in an easy to understand format. So, let’s get to it…
How much do you think, on average, a couple will need to save for healthcare costs in retirement? According to Fidelity, a whopping $315,000 after taxes. And that’s in today’s dollars.
Now, what if you could save for current medical expenses and for retirement in a TRIPLE tax advantaged way? This is one of the most powerful investment vehicles in the tax code, and is often underutilized, misunderstood, and not fully taken advantage of. The health savings account, or HSA. In this episode, I’ll share what an HSA is, who qualifies, and how to leverage its triple tax advantaged benefits.
Let’s get to it…__________________________________________________Connect with us on the following!- LINKEDIN (Evans May Wealth): https://www.linkedin.com/company/evansmay- LINKEDIN (Grace Speckman): https://www.linkedin.com/in/grace-speckman- INSTAGRAM: https://www.instagram.com/evansmaywealth - FACEBOOK: https://www.facebook.com/evansmaywealth - EMAIL: grace.speckman@evansmay.com__________________________________________________Disclaimer: Grace Speckman is a Registered Representative of Sanctuary Securities Inc. and an Investment Advisor Representative of Sanctuary Advisors, LLC. Securities offered through Sanctuary Securities, Inc., Member FINRA, SIPC. Advisory services offered through Sanctuary Advisors, LLC., an SEC Registered Investment Advisor. Evans May Wealth is a DBA of Sanctuary Securities, Inc. and Sanctuary Advisors, LLCThe subject matter in this communication is educational only and provided with the understanding that Sanctuary Wealth is not rendering legal, accounting, investment advice or tax advice. You should consult with appropriate counsel, financial professionals, or other advisors on all matters pertaining to legal, tax, investment or accounting obligations and requirements.
Roth IRAs. You know em and love em…. And if you don’t, where have you been?? Go watch my prior episode on Roth IRAs and why they’re one of my favorite ways to takeadvantage of tax-free growth for retirement.
They’re so good, the IRS set income limits on who can contribute to a Roth, preventing highly paid workersfrom benefiting. So, what’s one to do?! Enter the backdoor Roth strategy. It involves the conversion of funds in a traditional IRA into a Roth IRA, benefiting taxpayers who are ineligible to make direct contributions to a Roth. In thisepisode, I’ll share how the process works, and why it can be great for some investors, but not all.
Let’s get to it…__________________________________________________Connect with us on the following!- LINKEDIN (Evans May Wealth): https://www.linkedin.com/company/evansmay- LINKEDIN (Grace Speckman): https://www.linkedin.com/in/grace-speckman- INSTAGRAM: https://www.instagram.com/evansmaywealth - FACEBOOK: https://www.facebook.com/evansmaywealth - EMAIL: info@evansmay.com __________________________________________________Disclaimer: Grace Speckman is a Registered Representative of Sanctuary Securities Inc. and an Investment Advisor Representative of Sanctuary Advisors, LLC. Securities offered through Sanctuary Securities, Inc., Member FINRA, SIPC. Advisory services offered through Sanctuary Advisors, LLC., an SEC Registered Investment Advisor. Evans May Wealth is a DBA of Sanctuary Securities, Inc. and Sanctuary Advisors, LLCThe subject matter in this communication is educational only and provided with the understanding that Sanctuary Wealth is not rendering legal, accounting, investment advice or tax advice. You should consult with appropriate counsel, financial professionals, or other advisors on all matters pertaining to legal, tax, investment or accounting obligations and requirements.
When money markets are yielding 5+%, is there a case for investing in cash, or moving to cash? Tempting, I know. In this episode, I share the biggest factors you need to consider, along with some compelling data on the impacts of moving to cash vs. staying invested, and why time in the market vs. timing the market matters. Let’s get to it…________________________________________________________Connect with us on the following!- LINKEDIN (Evans May Wealth): https://www.linkedin.com/company/evan...- LINKEDIN (Grace Speckman): https://www.linkedin.com/in/grace-spe... - INSTAGRAM: https://www.instagram.com/evansmaywea... - FACEBOOK: https://www.facebook.com/evansmaywealth - EMAIL: info@evansmay.com ________________________________________________________Disclaimer: Grace Speckman is a Registered Representative of Sanctuary Securities Inc. and an Investment Advisor Representative of Sanctuary Advisors, LLC. Securities offered through Sanctuary Securities, Inc., Member FINRA, SIPC. Advisory services offered through Sanctuary Advisors, LLC., an SEC Registered Investment Advisor. Evans May Wealth is a DBA of Sanctuary Securities, Inc. and Sanctuary Advisors, LLCThe subject matter in this communication is educational only and provided with the understanding that Sanctuary Wealth is not rendering legal, accounting, investment advice or tax advice. You should consult with appropriate counsel, financial professionals, or other advisors on all matters pertaining to legal, tax, investment or accounting obligations and requirements.
If you think you’re immune to fraud, cybersecurity threats, scams, etc., let me tell you, you’re probably not! I was horrified by the sophistication of one of the more recent scams I’ve seen. In this episode, I’ll share some of the exact scams I’ve witnessed, the warning signs, how to protect yourself, and what to do if you think you’re the target of fraud. Let’s get to it...________________________________________________________Connect with us on the following!- LINKEDIN (Evans May Wealth): https://www.linkedin.com/company/evan...- LINKEDIN (Grace Speckman): https://www.linkedin.com/in/grace-spe... - INSTAGRAM: https://www.instagram.com/evansmaywea... - FACEBOOK: https://www.facebook.com/evansmaywealth - EMAIL: info@evansmay.com ________________________________________________________Disclaimer: Grace Speckman is a Registered Representative of Sanctuary Securities Inc. and an Investment Advisor Representative of Sanctuary Advisors, LLC. Securities offered through Sanctuary Securities, Inc., Member FINRA, SIPC. Advisory services offered through Sanctuary Advisors, LLC., an SEC Registered Investment Advisor. Evans May Wealth is a DBA of Sanctuary Securities, Inc. and Sanctuary Advisors, LLCThe subject matter in this communication is educational only and provided with the understanding that Sanctuary Wealth is not rendering legal, accounting, investment advice or tax advice. You should consult with appropriate counsel, financial professionals, or other advisors on all matters pertaining to legal, tax, investment or accounting obligations and requirements.
In the aftermath of the downfall of Silicon Valley Bank, there has been NO shortage of jargon, acronyms, and talking heads…. FDIC, SIPC, SVB, ERISA…. What does it all mean?! In this episode, I’ll break down the acronyms YOU need to know as it relates to your asset safety and protection. What is FDIC and SIPC insurance? What is your coverage? How are your assets protected? Let’s get to it…
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Disclaimer: Grace Speckman is a Registered Representative ofSanctuary Securities Inc. and an Investment Advisor Representative of SanctuaryAdvisors, LLC. Securities offered through Sanctuary Securities, Inc., MemberFINRA, SIPC. Advisory services offered through Sanctuary Advisors, LLC., an SECRegistered Investment Advisor. Evans May Wealth is a DBA of SanctuarySecurities, Inc. and Sanctuary Advisors, LLC
The subject matter in this communication is educational onlyand provided with the understanding that Sanctuary Wealth is not renderinglegal, accounting, investment advice or tax advice. You should consult withappropriate counsel, financial professionals, or other advisors on all matterspertaining to legal, tax, investment or accounting obligations andrequirements.
Is total return investing a superior approach for income investors? In my last video I answered a viewer’s question on strategies for passive income… at the end, I teased another investment strategy income investors should consider. Total return investing.
In this episode, I compare income investing and total return investing and what you need to consider. Let’s get to it…
Disclaimer: Grace Speckman is a Registered Representative of Sanctuary Securities Inc. and an Investment Advisor Representative of Sanctuary Advisors, LLC. Securities offered through Sanctuary Securities, Inc., Member FINRA, SIPC. Advisory services offered through Sanctuary Advisors, LLC., an SEC Registered Investment Advisor. Evans May Wealth is a DBA of Sanctuary Securities, Inc. and Sanctuary Advisors, LLC
The subject matter in this communication is educational only and provided with the understanding that Sanctuary Wealth is not rendering legal, accounting, investment advice or tax advice. You should consult with appropriate counsel, financial professionals, or other advisors on all matters pertaining to legal, tax, investment or accounting obligations and requirements.
In this episode, I’m answering a viewer’s question: What are some strategies for building passive income, short-term and long-term?
I share three investment categories income-focused investors should consider!
Disclaimer: Grace Speckman is a Registered Representative of Sanctuary Securities Inc. and an Investment Advisor Representative of Sanctuary Advisors, LLC. Securities offered through Sanctuary Securities, Inc., Member FINRA, SIPC. Advisory services offered through Sanctuary Advisors, LLC., an SEC Registered Investment Advisor. Evans May Wealth is a DBA of Sanctuary Securities, Inc. and Sanctuary Advisors, LLC
The subject matter in this communication is educational only and provided with the understanding that Sanctuary Wealth is not rendering legal, accounting, investment advice or tax advice. You should consult with appropriate counsel, financial professionals, or other advisors on all matters pertaining to legal, tax, investment or accounting obligations and requirements.
Are we in a recession?! Are we heading towards a recession? Honestly, all the debating on the topic feels like semantics… what matters is that people are worried! In this episode, I’ll share some of my favorite data to bring historical context, and hopefully peace of mind, to the uncertainty of recessions. Let’s get to it…
Disclaimer: Grace Speckman is a Registered Representative of Sanctuary Securities Inc. and an Investment Advisor Representative of Sanctuary Advisors, LLC. Securities offered through Sanctuary Securities, Inc., Member FINRA, SIPC. Advisory services offered through Sanctuary Advisors, LLC., an SEC Registered Investment Advisor. Evans May Wealth is a DBA of Sanctuary Securities, Inc. and Sanctuary Advisors, LLC
The subject matter in this communication is educational only and provided with the understanding that Sanctuary Wealth is not rendering legal, accounting, investment advice or tax advice. You should consult with appropriate counsel, financial professionals, or other advisors on all matters pertaining to legal, tax, investment or accounting obligations and requirements.
Wondering how the midterm election may impact the market? Listen to my newest episode to hear what we might have in store leading up to, and after election day. Let's get to it...
Disclaimer: Grace Speckman is a Registered Representative of Sanctuary Securities Inc. and an Investment Advisor Representative of Sanctuary Advisors, LLC. Securities offered through Sanctuary Securities, Inc., Member FINRA, SIPC. Advisory services offered through Sanctuary Advisors, LLC., an SEC Registered Investment Advisor. Evans May Wealth is a DBA of Sanctuary Securities, Inc. and Sanctuary Advisors, LLC
The subject matter in this communication is educational only and provided with the understanding that Sanctuary Wealth is not rendering legal, accounting, investment advice or tax advice. You should consult with appropriate counsel, financial professionals, or other advisors on all matters pertaining to legal, tax, investment or accounting obligations and requirements.
It’s August, and back to school season. In this episode, I’ll be talking about 5 lesser-known considerations for tackling education planning and funding. Let’s get to it…
Have you ever wondered how long it takes to double your money in the market, or any investment for that matter? Sounds like the making of a complicated calculation, right? Actually, no! Not if you know the rule of 72. In this episode, I’ll discuss the rule of 72, why it’s a classic rule of thumb, and why it matters, especially in an inflationary environment. Let’s get to it…
Disclaimer: Grace Speckman is a Registered Representative of Sanctuary Securities Inc. and an Investment Advisor Representative of Sanctuary Advisors, LLC. Securities offered through Sanctuary Securities, Inc., Member FINRA, SIPC. Advisory services offered through Sanctuary Advisors, LLC., an SEC Registered Investment Advisor. Evans May Wealth is a DBA of Sanctuary Securities, Inc. and Sanctuary Advisors, LLC
The subject matter in this communication is educational only and provided with the understanding that Sanctuary Wealth is not rendering legal, accounting, investment advice or tax advice. You should consult with appropriate counsel, financial professionals, or other advisors on all matters pertaining to legal, tax, investment or accounting obligations and requirements.
Anyone else sick of hearing about inflation? Better yet, who’s sick of feeling the effects of inflation?? Same. Even at the risk of beating a dead horse, I’ll be talking inflation in this episode… but more specifically, how we calculate it. Ever wondered what goes into the inflation numbers? Let’s get to it…
Disclaimer: Grace Speckman is a Registered Representative of Sanctuary Securities Inc. and an Investment Advisor Representative of Sanctuary Advisors, LLC. Securities offered through Sanctuary Securities, Inc., Member FINRA, SIPC. Advisory services offered through Sanctuary Advisors, LLC., an SEC Registered Investment Advisor. Evans May Wealth is a DBA of Sanctuary Securities, Inc. and Sanctuary Advisors, LLC
The subject matter in this communication is educational only and provided with the understanding that Sanctuary Wealth is not rendering legal, accounting, investment advice or tax advice. You should consult with appropriate counsel, financial professionals, or other advisors on all matters pertaining to legal, tax, investment or accounting obligations and requirements.
Tax-loss harvesting… have you heard of it? What is it and why is now a good time to be thinking about it? In this episode, I’ll tell you everything you need to know about tax-loss harvesting- how it works, when it makes sense to do it, and when it doesn’t. Let’s get to it…
Disclaimer: Grace Speckman is a Registered Representative of Sanctuary Securities Inc. and an Investment Advisor Representative of Sanctuary Advisors, LLC. Securities offered through Sanctuary Securities, Inc., Member FINRA, SIPC. Advisory services offered through Sanctuary Advisors, LLC., an SEC Registered Investment Advisor. Evans May Wealth is a DBA of Sanctuary Securities, Inc. and Sanctuary Advisors, LLC
The subject matter in this communication is educational only and provided with the understanding that Sanctuary Wealth is not rendering legal, accounting, investment advice or tax advice. You should consult with appropriate counsel, financial professionals, or other advisors on all matters pertaining to legal, tax, investment or accounting obligations and requirements.
Do you think you can time the market? Make the right call on when to buy or when to sell? What does the data say on this? In this episode, I’ll break down the numbers and share why time in the market is far more influential than timing the market. Let’s get to it…
It’s race week in Indiana! But what the heck does the Indianapolis 500 have to do with investing? Well, I wasn’t so sure either, but I think I found it … the 500 is a great metaphor for investing and there are more similarities than you might think. In this episode, I’ll share some 500 history and market history, relate pit stops to rebalancing, and compare car crashes to market crashes. Let’s get to it…
In my last episode, I hinted at one of my favorite ways to take advantage of tax-free growth for retirement. Enter the Roth IRA, and especially, IRA to Roth conversions. In this episode I’ll break down Roth IRAs, why I like them, and why you might want to consider an IRA to Roth conversion. Let’s get to it…
Want to know the most common question I get when I tell people I’m a financial advisor? I’m constantly asked what to do with a 401k or retirement plan from a prior employer. Have you ever been in this position? Have no clue where to start or what options exist? You are not alone! In this episode I’ll break down your options, pros and cons of each, and other considerations. Let’s get to it…
What’s a basis point? Has anyone else heard this term flying around in the news lately, and been… confused? In this episode, I’ll break down the jargon and provide an explanation of a “basis point”, why we’ve been hearing it lately, what it affects, and what it might mean for you. Let’s get to it…
What does bracket picking and stock picking have in common? Can you even pick winners, or is it all luck? In this episode, I’ll break down some data points that can lead to successful bracket picking and stock picking. Let’s get to it…