Lord and Richards: Recent Episodes
Lord and Richards
Lord and Richards is a firm dedicated to helping people become more financially independent and better able to cope with the changing world around them from a biblical point of view.
In this conversation, Colin Richards explains what retirement freedom can look like beyond simply growing an investment account. He discusses the importance of building a retirement plan around time, health, wealth, income, taxes, healthcare, and legacy goals so you can make more confident decisions about the years ahead.We cover:• Why retirement planning is about more than investment performance• The three key freedoms: time, health, and wealth• How work, income needs, and market risk can affect retirement choices• Why portfolio withdrawals alone may not provide the confidence retirees want• The importance of planning for healthcare, taxes, income, and legacy decisions• How a retirement income strategy can help reduce pressure during market downturns• Why working with a retirement-focused advisor may help address risks that general advice can missRetirement freedom means having a plan for the life you want to live, the people you care about, and the resources needed to support both. A thoughtful plan can help you evaluate your income sources, understand potential risks, and prepare for a retirement built around purpose, flexibility, and financial clarity.Request Your Complimentary Retirement Freedom Review720-372-0400https://lordandrichards.comInvestment Advisory Services offered through Lord and Richards Wealth Management, LLC, a Registered Investment Adviser.
In this conversation, Colin Richards explains why tax planning can play a major role in retirement freedom, especially for high-income earners, accredited investors, and retirees with large traditional IRA balances. He discusses the difference between legally reducing taxes and simply ignoring tax obligations, then walks through advanced planning concepts that may help investors keep more of what they have earned when used appropriately within a broader financial plan.We cover:• Why taxes can become one of the largest costs in retirement• How high-income earners may face added pressure from higher tax brackets• What accredited investors should understand about advanced tax-planning opportunities• How intangible drilling cost deductions may work in certain oil and gas investments• Why at-risk investments require careful due diligence and professional guidance• How Roth conversions may fit into a long-term retirement tax strategy• Why tax planning should be coordinated with income, investment, healthcare, and estate planning decisionsThese strategies are complex and may not be suitable for every investor. Any tax, investment, or retirement planning decision should be reviewed with qualified professionals who understand your full financial picture.Request Your Complimentary Retirement Freedom Review720-372-0400https://lordandrichards.comInvestment Advisory Services offered through Lord and Richards Wealth Management, LLC, a Registered Investment Adviser.
In this conversation, Colin Richards discusses how retirees and pre-retirees can think about investing during periods of geopolitical instability, war, oil price volatility, and market uncertainty. Rather than reacting emotionally to headlines, he explains why a retirement plan should be designed in advance to account for difficult markets, unexpected global events, and long-term income needs.We cover:• Why long-term retirement planning should account for market downturns before they happen• How geopolitical conflict can create short-term fear without necessarily changing a long-term investment strategy• Why Colin remains constructive on the long-term strength of the U.S. economy and markets• The risks of trying to time the market during periods of uncertainty• How household balance sheets, market size, and economic growth factor into the broader investment outlook• Why retirement income planning is different from simply saving for retirement• How risk management, protected income strategies, and diversified planning can help retirees stay disciplinedFor many investors, uncertainty can lead to fear-based decisions. This discussion focuses on building a retirement strategy that is proactive, resilient, and aligned with long-term financial independence.Request Your Complimentary Retirement Freedom Review 720-372-0400 https://lordandrichards.comInvestment Advisory Services offered through Lord and Richards Wealth Management, LLC, a Registered Investment Adviser.
In this conversation, Colin Richards explains why traditional bond-heavy retirement portfolios may not provide the level of risk management many retirees expect. He discusses how investors can think more carefully about balancing growth, liquidity, safety, income planning, healthcare costs, and long-term legacy goals when preparing for retirement.We cover:• Why the traditional 60/40 stock-and-bond portfolio may not be enough for retirement risk management• How market downturns can affect retirement confidence and long-term income planning• The tradeoffs between liquidity, safety, and growth• How principal-protected strategies may fit into a broader retirement plan• Why buffered ETFs, fixed annuities, CDs, and structured notes may be worth discussing with an advisor• How to think about retirement planning before leaving the workforce• Ways to build a plan designed around income, risk, healthcare, and legacy prioritiesRetirement planning is not just about accumulating assets. It is about understanding how your money may support your lifestyle, manage risk, and provide confidence through changing market conditions.Request Your Complimentary Retirement Freedom Review720-372-0400https://lordandrichards.comInvestment Advisory Services offered through Lord and Richards Wealth Management, LLC, a Registered Investment Adviser.
In this discussion, Colin Richards explains why retirees and pre-retirees may need to rethink how they manage market risk, especially when stock valuations appear elevated and traditional stock-and-bond portfolios may not offer the protection many investors expect. He discusses the importance of balancing growth opportunities with downside protection, taking a long-term view, and building a retirement strategy designed around income needs, risk tolerance, and financial independence.We cover:• Why investing during retirement is different from investing during your working years • The risk of relying too heavily on a traditional 60/40 stock-and-bond portfolio • What market valuation indicators may suggest about current stock prices • Why bonds may not always provide the protection investors expect during market declines • How a “barbell” approach can help separate growth-focused assets from protected income strategies • Why identifying your personal downside risk tolerance matters before the next market downturn • How a Retirement Freedom Review can help evaluate whether your current portfolio is aligned with your retirement goalsRetirement planning is not just about pursuing growth. It is also about understanding risk, preparing for volatility, and creating a strategy that can support your lifestyle through changing market conditions.Request Your Complimentary Retirement Freedom Review Website: https://lordandrichards.com Phone: 720-372-0400Investment Advisory Services offered through Lord and Richards Wealth Management, LLC, a Registered Investment Adviser.
In this conversation, Colin Richards explains why business owners often face unique retirement planning challenges, especially when business income, taxes, Social Security, Medicare, real estate, and long-term wealth planning intersect. He shares practical considerations for structuring income, evaluating business entities, managing tax exposure, and thinking about how today’s decisions may affect retirement freedom, family goals, and future financial flexibility.Colin discusses why business owners need a retirement strategy that goes beyond investments alone. How you pay yourself, how your company is structured, how taxes are managed, and how business profits are coordinated with retirement goals can all play an important role in building a more complete financial roadmap.We cover: • Why business owners need a retirement plan that accounts for both personal and business income • How LLCs, S corporations, and C corporations may affect taxation and income planning • Why Social Security and Medicare taxes matter when deciding how to pay yourself • How real estate ownership can create hidden tax considerations over time • Ways charitable giving and business planning may fit into a broader financial strategy • Why proactive tax planning can help business owners keep more flexibility for retirement and legacy goalsA strong retirement plan for business owners is not just about saving more. It is about coordinating business structure, income planning, taxes, Social Security, Medicare, investments, charitable goals, and long-term family priorities into a strategy designed around your future.Request Your Complimentary Retirement Freedom Review 720-372-0400 https://lordandrichards.comInvestment Advisory Services offered through Lord and Richards Wealth Management, LLC, a Registered Investment Adviser.
In this conversation, Colin Richards explains how to think about retirement planning like building a strong financial house. A solid plan starts with a foundation of cash flow, emergency reserves, risk management, and income planning. From there, tax strategy, charitable giving, and legacy planning can help create a more coordinated approach to retirement.Colin discusses why retirement planning should go beyond investments alone. Market risk, taxes, income needs, healthcare considerations, and estate goals all play a role in building a financial roadmap that fits your life and long-term priorities.We cover:• Why cash reserves and liquidity matter in retirement planning • How emergency funds can support a stronger financial foundation • The role of principal protection and market-linked growth strategies • How fixed annuities may be used as part of an income plan • Why tax planning matters for retirees and affluent families • How donor-advised funds can support charitable giving goals • When private foundations may fit into a broader legacy strategyA comprehensive retirement plan is not about one product or one account. It is about coordinating your income, investments, taxes, risk management, healthcare, and estate planning into a strategy designed around your goals, values, and future needs.Request Your Complimentary Retirement Freedom Review 720-372-0400 https://lordandrichards.comInvestment Advisory Services offered through Lord and Richards Wealth Management, LLC, a Registered Investment Adviser.
In this conversation, Colin Richards explains how debt decisions, co-signing, home financing, and portfolio structure can affect your long-term retirement plan. He discusses why certain types of debt may create unnecessary risk, how retirees and pre-retirees can think more carefully about helping family financially, and why traditional stock-and-bond allocations may not always provide the protection many investors expect.We cover:• Why co-signing a loan can create unexpected financial pressure• How to evaluate whether debt is helping or hurting your retirement plan• The difference between consumer debt, car loans, and home financing• Why retirees should think carefully about relying on a traditional 60/40 portfolio• How rising interest rates can affect bonds and retirement income planning• Why alternative income and risk-management strategies may deserve a closer look• Questions to consider before making major financial decisions near retirementTo request your complimentary Retirement Freedom Review, contact Lord and Richards:Website: https://lordandrichards.com Phone: 720-372-0400Investment Advisory Services offered through Lord and Richards Wealth Management, LLC, a Registered Investment Adviser.
In this conversation, Colin Richards explains why lasting retirement security depends on more than accumulating wealth. He focuses on the role of wisdom, discipline, and long-term decision-making in helping people prepare for retirement, manage uncertainty, and make better financial choices over time.We cover:• Why financial wisdom can matter more than the size of a portfolio• What Jesse Livermore, Ronald Read, and Warren Buffett illustrate about wealth and long-term discipline• Why retirement planning changes when you shift from accumulation to distribution• How longevity and inflation can affect retirement income planning• Why steady, disciplined decisions often outperform high-risk financial behavior• What questions to ask before deciding you are truly ready to retireThis discussion is centered on helping listeners think more clearly about retirement through the lens of discipline, perspective, and long-range planning. Colin emphasizes that building wealth is only part of the challenge. Keeping it, using it wisely, and creating a plan for income and changing expenses in retirement are just as important. The focus is on avoiding reactive decisions, respecting the impact of time and consistency, and preparing for retirement with a strategy designed for real-life risks.To learn more or speak with the team at Lord and Richards, visit https://lordandrichards.com or call 720-372-0400.Investment Advisory Services offered through Lord and Richards Wealth Management, LLC, a Registered Investment Adviser.
In this conversation, Colin Richards explains how to think about financial stewardship in practical retirement terms by organizing money according to purpose, access, and risk. He outlines a simple framework for separating short-term cash needs, growth-oriented reserves, and income-focused assets so retirees and pre-retirees can make clearer decisions during volatile markets.We cover:• Why holding too much cash can quietly weaken a long-term retirement plan• How to size an emergency reserve using monthly expenses• The difference between liquid savings, growth reserves, and income-focused assets• How risk tolerance should shape portfolio design• Why protecting retirement income may require a different strategy than building wealth• How to think about market volatility without making reactive decisionsThis discussion is centered on helping listeners build a more intentional retirement strategy. Colin emphasizes planning ahead for uncertainty, using clear buckets for different financial goals, and aligning investments with the role each dollar is meant to play. From emergency savings and market exposure to protected income planning, the focus is on creating a structure that supports both confidence and long-term decision-making.To learn more or speak with the team at Lord and Richards, visit https://lordandrichards.com or call 720-372-0400.
In this conversation, Colin Richards discusses one of the biggest questions pre-retirees and retirees ask during uncertain markets: is my money really safe? He explains why fear-driven decisions can hurt long-term results, why gold may not be the safe haven many people assume, and how a retirement plan should balance growth, liquidity, protection, and income. He also outlines a practical framework for thinking about portfolio design, charitable giving strategies, and how to prepare for retirement with more clarity and less guesswork.We cover:• Why market volatility often pushes investors into emotional decisions• The pros and cons of gold as part of a diversified portfolio• How inflation changes the real return on “safe” assets• Why diversification alone may not be enough in retirement• How a barbell-style approach can separate growth assets from protected assets• How qualified charitable distributions may help certain retirees give more tax efficiently• Why retirement planning should focus on income durability, not just account balancesRequest Your Complimentary Retirement Freedom Review📞 720-372-0400🌐 https://lordandrichards.comInvestment Advisory Services offered through Lord and Richards Wealth Management, LLC, a Registered Investment Adviser.
In this conversation, Colin Richards explains what sets Lord and Richards apart in retirement planning. He outlines a values-driven approach to financial decision-making, then walks through the practical retirement issues many families face, including income planning, debt, market risk, chronic illness costs, and legacy preparation. The focus is on building a retirement strategy that reflects your priorities, protects against major financial threats, and helps you make thoughtful decisions for the years ahead.We cover:• What makes one retirement planning approach different from another• Five core planning priorities, including debt reduction, risk management, old-age planning, and legacy considerations• Why retirement income planning requires a different strategy than simple portfolio accumulation• How chronic illness costs can disrupt retirement and why advance planning matters• Why risk reduction and long-term stewardship are central to protecting retirement assets• How to think about passing wealth, values, and financial direction to the next generationRequest Your Complimentary Retirement Freedom Review📞 720-372-0400🌐 https://lordandrichards.comInvestment Advisory Services offered through Lord and Richards Wealth Management, LLC, a Registered Investment Adviser.
In this discussion, Colin Richards explains how investors nearing or living in retirement can think through geopolitical instability without losing sight of a long-term financial plan. He outlines why short-term conflict, market volatility, and changing oil prices do not necessarily require a major shift in investment strategy, and why preparation matters more than reaction. The focus is on building a retirement plan designed to account for uncertainty, market downturns, and the real-world risks retirees may face over time.We cover:• Why geopolitical conflict and market volatility should be expected in long-term retirement planning• Why Colin remains constructive on the long-term outlook for the United States economy and markets• Why trying to time the market during uncertain periods can hurt long-term results• What past wars and conflicts may suggest about market recovery timelines• How household balance sheets can help frame whether markets look overheated• How retirement income planning differs from simply saving for retirement• How risk management, portfolio structure, and hedging strategies may help investors stay disciplinedIf you are thinking about retirement, already retired, or want a clearer view of how your current plan may respond to market stress, this conversation offers a practical framework for staying focused on preparation instead of fear.Request Your Complimentary Retirement Freedom Review📞 720-372-0400🌐 https://lordandrichards.comInvestment Advisory Services offered through Lord and Richards Wealth Management, LLC, a Registered Investment Adviser.
In this discussion, Colin Richards explains why retirement planning should go beyond traditional stock and bond strategies and focus more directly on income stability and risk management. He breaks down how a portfolio can be designed to pursue growth while limiting exposure to major market losses, using a more intentional approach to protecting retirement income, preserving lifestyle, and planning with greater confidence for the long term.We cover: • Why retirement planning is different from accumulation planning • How market losses can disrupt income, lifestyle, and long-term security • Why traditional stock and bond strategies may leave retirees exposed • What a “barbell” approach can look like in retirement planning • How defining a personal safety threshold can shape portfolio design • Why risk management, income planning, tax strategy, and estate planning should be coordinated • How thoughtful financial planning can support more freedom, flexibility, and peace of mind in retirementThis conversation is designed for people who want to better understand how to create reliable retirement income, prepare for uncertainty, and make decisions with greater clarity about the future.Request Your Complimentary Retirement Freedom Review📞 720-372-0400🌐 https://lordandrichards.comInvestment Advisory Services offered through Lord and Richards Wealth Management, LLC, a Registered Investment Adviser.
In this conversation, Colin Richards shares a practical framework for building lasting financial freedom: how wealth is often created through patience, preserved through thoughtful protection, and ultimately enjoyed by aligning money with the people and priorities that matter most. Using familiar investor examples and real-world planning principles, he explains why long-term thinking can beat short-term noise, how to build resilience for the unexpected, and why “more” is not always the same as “better.”We cover:• Why patience and a long-term mindset can be a major advantage in building wealth• How to avoid emotional, short-term decisions driven by market headlines• The idea of becoming financially “unbreakable” by planning for what can go wrong• A “barbell” approach that balances safety, income planning, and growth potential• Why lifestyle choices and delayed gratification can strengthen long-term outcomes• The difference between accumulating wealth and actually enjoying financial freedom• How purpose, relationships, and priorities can shape a healthier view of moneyRequest Your Complimentary Retirement Freedom Review📞 720-372-0400🌐 https://lordandrichards.comInvestment Advisory Services offered through Lord and Richards Wealth Management, LLC, a Registered Investment Adviser.
In this discussion, Colin Richards explains what annuities are, why they are often misunderstood, and how fiduciary planning evaluates them as one tool among many in a comprehensive retirement strategy. With interest rates higher than they have been in years, he also outlines why today’s annuity landscape can look meaningfully different than it did in the low-rate era, and what tradeoffs retirees should understand before making decisions.We cover:• The three main annuity types (immediate, fixed, and variable) and how they differ• The “tradeoff triangle” in retirement tools: safety, growth potential, and liquidity• Why predictable income can reduce retirement stress during market volatility• How a “barbell” approach can pair growth assets with a stable income foundation• Common misconceptions about annuity fees and why product fit matters• How interest-rate changes can affect annuity rates, crediting, and income features• Why a written retirement income plan can be more important than picking any single productIf you want help evaluating whether guaranteed income, principal protection, or a more structured withdrawal plan belongs in your retirement plan, our team can walk through your situation in a clear, fiduciary-focused review.Lord and Richards Wealth ManagementPhone: 720-372-0400Website: https://lordandrichards.comInvestment Advisory Services offered through Lord and Richards Wealth Management, LLC, a Registered Investment Adviser.
In this conversation, Colin Richards explains what true financial independence requires beyond simply picking investments. He shares why long term prosperity is built through discipline, planning, and preparation for both strong markets and downturns.We cover:• What financial independence really means in retirement• Why prosperity requires more than chasing performance• How market cycles impact long term plans• The importance of preparing for both growth years and downturns• Why discipline and strategy matter more than short term returns• How a comprehensive retirement plan can provide clarity and confidenceRequest Your Complimentary Retirement Freedom Review720-372-0400https://lordandrichards.comInvestment Advisory Services offered through Lord and Richards Wealth Management, LLC, a Registered Investment Adviser.
In this conversation, Colin Richards explains why “freedom of health” is a core part of retirement planning, right alongside freedom of time and reliable income. He breaks down the three types of care most retirees face, why chronic care can create major financial pressure, and how building the right income and protection strategy can help you stay prepared without relying solely on traditional approaches.We cover:• The three categories of health needs in retirement: acute, chronic, and preventive care• Why chronic care is often not covered the way people assume, and why the costs can be significant• How proactive wellness habits (strength training, cardiovascular fitness, mobility) support a better retirement lifestyle• The planning shift that matters most within 5–10 years of retirement: moving from accumulation to distribution• Stress-testing a plan for multi-year care scenarios and what that can reveal• “Other people’s money” concepts and how certain protection designs may help offset chronic care risk• How a retirement planning roadmap can integrate income, lifestyle goals, and healthcare contingenciesRequest Your Complimentary Retirement Freedom Review720-372-0400https://lordandrichards.comInvestment Advisory Services offered through Lord and Richards Wealth Management, LLC, a Registered Investment Adviser.
In this conversation, Colin Richards explains how retirement income planning changes once you move from saving to living on your money. He walks through why common income approaches like portfolio withdrawals, dividends, CDs, and rental properties can create risk during downturns, and why the foundation of retirement freedom often depends on building more reliable income sources alongside your investments.We cover:• What “retirement freedom” really means, with a focus on freedom of time• Why the withdrawal phase of retirement is fundamentally different from the saving years• How market declines can magnify losses when income is taken from a portfolio• The traditional 4% rule example and why it may not hold up in real-world conditions• The risks and limitations of dividends, CDs, and rental income as primary income sources• How Social Security fits into retirement income planning and why timing decisions matter• The role guaranteed income tools can play when coordinated with a broader planRequest Your Complimentary Retirement Freedom Review720-372-0400https://lordandrichards.comInvestment Advisory Services offered through Lord and Richards Wealth Management, LLC, a Registered Investment Adviser.
In this conversation, Colin Richards explains a practical framework for “retirement freedom” built around three essentials: freedom of time, freedom of health, and freedom of wealth. He breaks down why retirement planning is more than just picking investments, how major market downturns can disrupt withdrawal strategies, and why a coordinated plan for income, taxes, healthcare, and legacy can matter as much as your portfolio balance.We cover:• The 3-part “retirement freedom” framework: time, health, and wealth• Why retirement planning is bigger than investment selection• The difference between saving years vs. withdrawal years and why downturns hit harder in retirement• The “4% rule” example and what happens when markets drop and withdrawals keep going• Why specialists and a comprehensive review can help uncover blind spots in taxes, income, healthcare, and legacy planning• How to think about building reliable income sources instead of relying solely on portfolio withdrawalsRequest Your Complimentary Retirement Freedom Review720-372-0400https://lordandrichards.comInvestment Advisory Services offered through Lord and Richards Wealth Management, LLC, a Registered Investment Adviser.
Big market swings. Regulatory changes. Headlines designed to scare you. For many retirees and pre-retirees, the biggest fear is simple: running out of money - or not knowing if your plan can handle the next “2008.”In this episode of The Lord and Richards Show, CEO Colin Richards breaks down how to navigate uncertainty without falling into two extremes: panic-driven decisions (all cash) or overconfidence (taking on risk you cannot afford). He discusses why “turning off the noise” matters, how proper planning prepares you for what history shows is normal (like market downturns), and why your investment approach should shift as you get closer to retirement.We cover:• The two extremes that derail retirement plans: excessive fear vs. excessive optimism• Why market downturns are not surprising - and how to stress test your portfolio for them• The “end zone” strategy: why the plays should change as you approach retirement• How hidden concentration happens inside mutual funds (and why it is not true diversification)• How policy and rule changes (like Social Security strategy shifts) can reshape retirement planning• Tools designed to help buffer downside risk, including buffered ETFs and principal-protected strategies• Why flexibility matters - because life changes, markets change, and your plan should, tooLearn more: https://lordandrichards.com/Call for your complimentary Retirement Freedom Review: 720-372-0400Investment Advisory Services offered through Lord and Richards Wealth Management, LLC, a Registered Investment Adviser
Relocating in retirement can feel like a fresh start, but it can also create “sticker shock” fast. In this episode of The Lord and Richards Show, CEO Colin Richards breaks down the real-world financial (and lifestyle) factors to weigh before you move across the country or overseas.We cover:• Why a move often requires a full recalibration of your retirement plan• The hidden costs of relocating, especially housing, property taxes, and day-to-day expenses• How to avoid costly mistakes by trying a location first (extended stay or short-term rental)• The overlooked side of moving: community, church, social connections, and quality of life• International considerations, including healthcare access, medical evacuation planning, and risk awareness• Why retirement planning must stay flexible because life changes, and your plan should, tooIf you’re considering a move (or extended travel) in retirement, this conversation will help you think beyond the “dream destination” and build decisions into a plan that supports long-term freedom.Learn more: https://lordandrichards.com/Call for your complimentary Retirement Freedom Review: 720-372-0400Investment Advisory Services offered through Lord and Richards Wealth Management, LLC, a Registered Investment Adviser
Retirement is not just about stopping work. It’s about stepping into purpose. 💡 In this episode of The Lord and Richards Show, CEO Colin Richards and Dylan Schoonover break down how retirees can align their time and money with what matters most, while building a plan that supports sustainable generosity and intentional legacy.We cover:• Why “budgeting” feels limiting and how a Retirement Expense Report creates clarity instead• How to build giving into your plan without sacrificing lifestyle or security• The tax advantages of charitable giving and why the tax code rewards generosity• Donor-advised funds: how to take a deduction now and give over time• When a foundation may make sense for hands-on charitable impact• Legacy planning for every mindset: leave it all, spend it all, or something in between• Why communicating your plan to your children can prevent confusion and conflict later🎧 Tune in for a practical and values-driven conversation on how to give with confidence, plan with purpose, and build a legacy that lasts beyond a lifetime.Learn more: https://lordandrichards.com/Call for your complimentary Retirement Freedom Review: 720-372-0400Investment Advisory Services offered through Lord and Richards Wealth Management, LLC, a Registered Investment Adviser
For many business owners and real estate investors, the business is the retirement plan — until it isn’t. Without intentional planning, selling or stepping back can create tax surprises, income gaps, and long-term financial stress. In this episode of The Lord and Richards Show, CEO Colin Richards unpacks what a smart exit strategy really looks like and why planning must begin long before you’re ready to sell.We cover:• Why most business owners delay personal retirement planning• The importance of building a second income “track” outside your business• Common exit and tax mistakes that reduce business value• How cash reserves and guaranteed income streams create flexibility• Why relying solely on a future sale is risky• Strategies to manage taxes before, during, and after an exit• How valuation, income planning, and estate planning work together🎧 Tune in to learn how to create independence from your business, reduce exit risk, and design a retirement strategy that gives you options — whether you sell, scale back, or stay involved on your terms.Learn more: https://lordandrichards.com/Call for your complimentary Retirement Freedom Review: 720-372-0400Investment Advisory Services offered through Lord and Richards Wealth Management, LLC, a Registered Investment Adviser.
Many retirees and high savers carry far more risk than they think. Market volatility, lawsuits, healthcare costs, fraud, and cybersecurity threats can quietly undermine even well-funded retirement plans. In this episode of The Lord and Richards Show, CEO Colin Richards and co-host Dylan Schoonover break down what real risk management looks like and why diversification alone is not enough to protect your wealth.We cover: • Why market risk cannot be diversified away • The difference between risk tolerance and risk capacity • How large portfolio losses delay or derail retirement • What a “safety percentage” is and why it matters • How the barbell strategy balances protection and opportunity • Non-market risks including lawsuits, healthcare costs, fraud, and cybersecurity • Why comprehensive planning matters most in the distribution phase🎧 Tune in to learn how to manage risk intentionally, protect your assets, and build a retirement plan designed for long-term stability and freedom.Learn more: https://lordandrichards.com/ Call for your complimentary Retirement Freedom Review: 720-372-0400Investment Advisory Services offered through Lord and Richards Wealth Management, LLC, a Registered Investment Adviser.
What happens to your money when you are gone? Without the right planning, your wealth can be diverted by taxes, outdated documents, or unintended beneficiaries. In this episode of The Lord and Richards Show, CEO Colin Richards and co-host Dylan Schoonover break down wealth succession planning and explain how to ensure your assets are transferred intentionally, efficiently, and in alignment with your wishes.Through practical examples and a powerful real-life client story, they discuss how proactive planning can reduce stress, prevent family conflict, and provide peace of mind, even during life’s most difficult moments.We cover: • The difference between wealth succession and traditional estate planning • Common mistakes with wills, trusts, and beneficiary designations • How outdated documents can send money to the wrong people • Why proper account titling and beneficiary planning matter • Gifting strategies and inheritance pitfalls to avoid • A real client story showing how planning creates confidence and clarity🎧 Tune in to learn how to protect your legacy, simplify the process for your loved ones, and make sure your wealth goes exactly where you intend.Learn more: https://lordandrichards.com/ Call for your complimentary Retirement Freedom Review: 720-372-0400Investment Advisory Services offered through Lord and Richards Wealth Management, LLC, a Registered Investment Adviser.
Many savers enter retirement with plenty of assets but not enough life in their lifestyle. In this episode of The Lord and Richards Show, CEO Colin Richards and co-host Dylan Schoonover talk about lifestyle management in retirement, how to travel more, bless your family, and give generously, all while staying confident that your portfolio can support your dreams.From go go years of travel to faith driven generosity, Colin shares practical ways to use your wealth purposefully rather than hoarding it for “someday.” You will hear real client stories, travel hacks, and a step by step framework to organize your money so you can retire early, spend more, and still feel secure.We cover: • Why so many retirees stay “trapped in frugality mode” even when they have more than enough • How to align your retirement lifestyle with what you truly want, not just what you fear • The three bucket strategy for lifestyle freedom • Protected lifetime income to cover your needs with confidence • A growth and opportunity bucket for extra trips and big experiences • How to plan big family trips like cruises or overseas vacations without worrying you will run out of money • Using the “go go, slow go, no go” framework to time your most active travel years • Simple travel hacks and VIP services that can make global trips easier as you age • The role of private foundations, donor advised funds and public charities for tax efficient giving🎧 Tune in to learn how to turn your savings into a life of purpose, generosity and memorable experiences for you and your family.Learn more: https://lordandrichards.com/ Call for your complimentary Retirement Freedom Review: 720-372-0400Investment Advisory Services offered through Lord and Richards Wealth Management, LLC, a Registered Investment Adviser.
Social Security is the most searched retirement topic in America — and for good reason. The rules are complex, the stakes are high, and one wrong move can permanently reduce your income. In this episode of The Lord and Richards Show, CEO Colin Richards and co-host Dylan Schoonover break down how Social Security really works, how to coordinate benefits with your spouse, and how pensions or private “personal pensions” fit into a complete retirement income plan.We cover:• The truth about maximizing vs optimizing Social Security — and why they are not the same• How to decide when to take benefits when you don’t know your life expectancy• Spousal and survivor benefits, the 10-year marriage rule, and how multiple marriages affect eligibility• How early filing penalties and delayed credits (up to 8% per year) impact your lifelong income• How Social Security interacts with IRAs, 401(k)s, Roth accounts, and taxes• How to create a “private pension” using safe income strategies if your employer doesn’t offer one• Why blended planning across Social Security, pensions, and your portfolio puts the most money in your pocket over time🎧 Tune in to learn how to build a coordinated retirement income plan that supports your values, protects your family, and creates long-term financial freedom.Learn more: https://lordandrichards.com/Call for your complimentary Retirement Freedom Review: 720-372-0400Investment Advisory Services offered through Lord and Richards Wealth Management, LLC, a Registered Investment Adviser.
Health care is one of the biggest wild cards in retirement, and long term care costs can quietly threaten everything you have worked for. In this episode of The Lord and Richards Show, CEO Colin Richards and co-host Dylan Schoonover unpack how chronic illness, Medicare and Medicaid rules, and long term care expenses impact your retirement plan and how to use leverage and biblical wisdom to protect both your health and your wealth.We cover:• The difference between acute health events and chronic illness in retirement• How Medicare and Medicaid really work for long term care and why Medicaid often requires spending down assets• Why nursing home and skilled care costs can quickly reach six figures per year• How chronic illness riders and Medicaid Asset Protection Trusts can help shield family wealth• Using “other people’s money” through life insurance and annuity strategies to pay for future care• When self-funding long term care might be realistic and when leverage makes more sense• How proactive planning can free up resources for stem cell therapy, PRP, and other health-boosting treatments• The critical role of powers of attorney, health care directives, and planning ahead so loved ones are not forced into crisis decisions🎧 Tune in to learn how to align your health care plan with your values, protect your spouse and family, and build a retirement that supports both financial freedom and freedom of health.Learn more: https://lordandrichards.com/Call for your complimentary Retirement Freedom Review: 720-372-0400Investment Advisory Services offered through Lord and Richards Wealth Management, LLC, a Registered Investment Adviser.
Too many retirees carry Wall Street level risk with retirement level income needs. 📉 In this episode of The Lord and Richards Show, CEO Colin Richards and co-host Dylan Schoonover unpack why affluent investors often have far too much downside exposure in the distribution phase and how to realign your portfolio with your true comfort level and long term plan.We cover: • Why many retirees have more risk than their plan can mathematically support • How 30+ years of market history and 10,000 portfolio stress tests reveal hidden danger • The Lord and Richards “safety percentage” and how to define your personal loss limit • Asset allocation vs. asset location and why the purpose of money should dictate where you put it • The barbell approach to balance guaranteed income, growth assets, and liquidity • How holistic planning ties together risk, income, taxes, health care, and estate planning🎧 Tune in to learn how to right size your risk, protect what you have built, and design a portfolio that helps you sleep at night and live with confidence in retirement.Learn more: https://lordandrichards.com/ Call for your complimentary Retirement Freedom Review: 720-372-0400Investment Advisory Services offered through Lord and Richards Wealth Management, LLC, a Registered Investment Adviser.
Estate planning isn’t just about having a will—it’s about making sure your loved ones are protected and your wealth stays where it belongs. In this episode of The Lord and Richards Show, CEO Colin Richards and co-host Dylan Schoonover reveal how to keep your estate out of probate, avoid unnecessary taxes, and pass your assets efficiently and intentionally.We cover:• Why a will alone doesn’t keep you out of probate• The difference between revocable and irrevocable trusts• Power of Attorney and health care directives every family needs• How to shield assets from taxes and long-term care costs• Why updating your plan regularly matters• Free estate planning tools available for Lord and Richards clients🎧 Tune in to learn how to simplify estate planning, protect your family, and keep your legacy intact—without paying more than you need to.Learn more: https://lordandrichards.com/Call for your complimentary Retirement Freedom Review: 720-372-0400Investment Advisory Services offered through Lord and Richards Wealth Management, LLC, a Registered Investment Adviser.
Inflation can quietly erode your lifestyle — but with the right plan, you can stay ahead. In this episode of The Lord and Richards Show, CEO Colin Richards and co-host Dylan Schoonover explain how to protect your income, maintain purchasing power, and grow your wealth even as prices climb. Discover how to balance safety and growth through the powerful “barbell strategy” and turn uncertainty into confidence.We cover:• Why inflation should be part of your plan — not a reason to panic• How to protect core income while still pursuing smart growth• The barbell approach: safety for essentials, growth for goals• How to align income, taxes, and Medicare costs• Turning a “budget” into a Retirement Freedom Expense Report• Building a portfolio that thrives through all market conditions🎧 Tune in to learn how to inflation-proof your retirement and secure lasting financial freedom — no matter what the economy does.Learn more: https://lordandrichards.com/Call for your complimentary Retirement Freedom Review: 720-372-0400Investment Advisory Services offered through Lord and Richards Wealth Management, LLC, a Registered Investment Adviser.
The IRS will always take its share — unless you plan smarter. 💡 In this episode of The Lord and Richards Show, CEO Colin Richards and Dylan Schoonover reveal how high savers can legally reduce lifetime taxes and protect their wealth through strategic Roth conversions, smart timing, and charitable planning.We cover:• The 3 tax buckets: taxable, tax-deferred, and tax-free• Why many retirees never drop tax brackets (and how to fix it)• How to use Roth conversions before RMDs hit• The “tax time bomb” and how to protect your heirs• Donor-advised funds and other charitable strategies• State tax moves and estate planning essentials🎧 Tune in to learn how to move your money from forever taxed to never taxed again — and create a plan that keeps more of your income where it belongs: with you.Learn more: https://lordandrichards.com/Call for your complimentary Retirement Freedom Review: 720-372-0400Investment Advisory Services offered through Lord and Richards Wealth Management, LLC, a Registered Investment Adviser
The old “4 percent rule” doesn’t work for everyone. Colin Richards and Dylan Schoonover reveal modern withdrawal strategies that keep income steady even when markets drop.Your nest egg is only step one — the real challenge is turning it into steady, tax-smart income that lasts a lifetime. In this episode of The Lord and Richards Show, Colin Richards and Dylan Schoonover explain how to move from accumulation to distribution, organize scattered accounts, and create guaranteed income that brings freedom instead of fear.We cover: • Why the old “4% rule” no longer works — and what does • How to build guaranteed and abundant income streams • Consolidating old 401(k)s and fixing “junk drawer” portfolios • The five pillars of planning: income, risk, taxes, estate, health • How to align spending comfort and risk between spouses • The Lord and Richards Retirement Freedom Review — what to expect🎧 Tune in to learn how to enjoy what you’ve built, protect what matters, and make your money last through every market.Learn more: https://lordandrichards.com/ Call for your complimentary Retirement Freedom Review: 720-372-0400Investment Advisory Services offered through Lord and Richards Wealth Management, LLC, a Registered Investment Adviser.
Your nest egg is only step one. The real challenge is turning it into steady, tax-smart income you can count on. In this episode of The Lord and Richards Show, Colin Richards and Dylan Schoonover break down the shift from accumulation to distribution and how to make your money last for life.We cover:• Accumulation vs. distribution — what changes when the paycheck stops• How to stretch savings in down markets and avoid sequence-of-returns risk• Consolidating old 401(k)s and cleaning up dormant accounts• Smart use of Roth 401(k) and tax-aware withdrawal strategies• Social Security timing between ages 62 and 70 and why “optimize” beats “maximize”• The Lord and Richards client experience and the complimentary Retirement Freedom Review🎧 Tune in to learn how “freedom of money” starts with a plan that pays you reliably in every market.Learn more: https://lordandrichards.com/Call for your complimentary Retirement Freedom Review: 720-372-0400Investment Advisory Services offered through Lord and Richards Wealth Management, LLC, a Registered Investment Adviser.
Your portfolio might look strong, but hidden risks could threaten your retirement stability. In this episode of The Lord and Richards Show, Colin Richards and Dylan Schoonover uncover the truth about market risk, outdated investment strategies, and how to create lasting financial confidence.We’ll cover: • How to tell if your portfolio is taking on too much risk • Why “timing the market” rarely works (and what to do instead) • The barbell strategy for balancing protection and growth • How institutions manage risk — and what retirees can learn from them • Why professional planning can improve returns and reduce stress🎧 Tune in to discover how “freedom of money” starts with understanding risk — and how smart planning can bring peace of mind in every market.Learn more: https://lordandrichards.com/ Call for your complimentary Retirement Freedom Review: 720-372-0400 Investment Advisory Services offered through Lord and Richards Wealth Management, LLC, a Registered Investment Adviser.
Most families put off estate planning until it is too late. In this episode, Colin Richards and Dylan Schoonover break down what really matters so you can protect the people and causes you care about and keep more of your wealth.What you will learn:• The core documents every family needs now, not later• Why a will is a backstop and how trusts can simplify transfers• Power of Attorney and advance directives that protect you while you are alive• How to title accounts and set beneficiaries to avoid probate delays and fees• When a revocable vs irrevocable trust makes sense• Common mistakes that leave heirs with taxes, court time, and conflictAbout the show: The Lord and Richards Show helps you become more financially independent from a biblical point of view and prosper in good markets and bad.Next step: Ask about our free estate plan program for most new clients and start your Retirement Freedom Review.Learn more at: https://lordandrichards.com/Call for your complimentary Retirement Freedom Review: 720-372-0400Investment Advisory Services offered through Lord and Richards Wealth Management, LLC, a registered investment advisor.
Healthcare isn’t just a medical issue; it’s a financial one that can make or break your retirement. In this episode of The Lord and Richards Show, Colin Richards and Dylan Schoonover talk about the real costs of long-term care, why Medicare and Medicaid won’t cover everything, and how to plan ahead so your health needs don’t wipe out your wealth.We’ll cover:- Why proactive habits like sleep, diet, and exercise matter as much as saving money- The true cost of long-term care and how it impacts families- Pros and cons of traditional LTC insurance (and why premiums rise)- Hybrid life insurance with living benefits that can pay for care tax-free- Practical steps to protect your spouse and your retirement lifestyle🎧 Tune in to learn how “freedom of health” fits alongside freedom of time and wealth, and how smart planning today can keep your future secure.Learn more at: https://lordandrichards.com/Call for your complimentary Retirement Freedom Review: 720-372-0400Investment Advisory Services offered through Lord and Richards Wealth Management, LLC, a Registered Investment Adviser.
From the pitfalls of the old 60/40 portfolio to the hidden risks of target-date funds, Colin Richards and Dylan Schoonover reveal why traditional retirement strategies don’t hold up in today’s markets. They explain how sequence-of-returns risk can derail your income, why stocks and bonds can fall together, and smarter ways to protect your nest egg without giving up growth.What you’ll learn:-Why the 60/40 rule is outdated and risky for boomers-How sequence-of-returns risk impacts withdrawals in retirement-The barbell approach to balancing guaranteed income with growth-Why stress testing your portfolio matters more than ever-The #1 question every retiree should ask their financial advisor-How to prepare for legacy planning while still enjoying retirementTune in to learn how to safeguard your retirement savings, reduce risk, and build a plan that lasts through good markets and bad.Learn more at: https://lordandrichards.com/Call for your complimentary Retirement Freedom Review: 720-372-0400Investment Advisory Services offered through Lord and Richards Wealth Management, LLC, a Registered Investment Adviser.
From RMD rules to Social Security surprises, Colin Richards and Dylan Schoonover unpack practical ways to cut your lifetime tax bill in retirement. We explain why the pre-RMD window can be a sweet spot, how to shift from tax-deferred to tax-free, and simple strategies that help you keep more of what you’ve saved.What you’ll learn:- What RMDs are and why ages 55 to 73 often offer prime planning opportunities- How Roth IRAs and careful conversions can create future tax-free income- When Social Security becomes taxable and ways to reduce that impact- How Qualified Charitable Distributions work after 73- The “widow’s tax trap” and proactive steps to prepare- Where properly structured life insurance can support tax-free withdrawalsTune in to learn how smart timing and structure can lower taxes in retirement without losing sleep.Learn more at: https://lordandrichards.com/Call for your complimentary Retirement Freedom Review: 720-372-0400Investment Advisory Services offered through Lord and Richards Wealth Management, LLC, a Registered Investment Adviser.
From Roman “written-in-stone” promises to modern retirement tools, Colin Richards and Dylan Schoonover break down what annuities are, how they work, and where they might fit in a barbell-style retirement plan. We cover the big three (fixed, immediate, and variable) plus today’s fixed indexed options, common myths, fees to watch, carrier strength, and how to turn savings into lifetime income without losing sleep.What you’ll learn:What an annuity is and the core differences between fixed, immediate, variable, and fixed indexedPros and cons, including fees, flexibility, and principal protectionHow guaranteed income can help manage longevity risk and market volatilityWhen an annuity can support a balanced, biblical approach to stewardship and retirement freedomTune in to learn how guaranteed income helps manage longevity risk.Learn more at: https://lordandrichards.com/Investment Advisory Services offered through Lord and Richards Wealth Management, LLC, a Registered Investment Adviser.
Retirement isn’t just about stopping work, it’s about gaining freedom. In this episode of The Lord and Richards Show, Colin Richards and Dylan Schoonover explore the Freedom of Money and why it’s the foundation of a confident, fulfilling retirement.We’ll cover:• Why the old “set it and forget it” approach doesn’t work in retirement• How the barbell strategy balances safety and growth in your portfolio• The connection between financial freedom, health, and quality of life• Real stories of retirees who turned uncertainty into peace of mind🎙️ Whether you’re five years from retirement or already enjoying it, this conversation will help you protect your lifestyle, plan smarter, and live with confidence.Learn more at: https://lordandrichards.com/Investment Advisory Services offered through Lord and Richards Wealth Management, LLC, a Registered Investment Adviser.
Taxes, inflation, and property costs, are they draining your retirement? In this episode of The Lord and Richards Show, Colin Richards and Dylan Schoonover break down how retirees may be hemorrhaging money without realizing it. Discover how to:- Reduce your lifetime tax burden with smart planning- Prepare for inflation and rising property taxes before they strike- Move from “forever taxed” to “never taxed” income strategiesTune in to learn how proactive tax planning can protect your wealth, preserve your lifestyle, and keep more money where it belongs, with you.Learn more at: https://lordandrichards.com/
Are hidden fees draining your retirement savings? In this episode of The Lord and Richards Show, Colin Richards and Dylan Schoonover uncover how investment costs and taxes can quietly erode your wealth. Discover how to:- Identify the fees hiding in mutual funds and portfolios- Understand how excessive costs impact your long-term retirement income- Take steps to reduce or eliminate unnecessary fees and keep more of your money working for youTune in to learn how greater transparency and smarter planning can help safeguard your retirement future.Visit us online: https://lordandrichards.com/
Retirement isn’t just about money, it’s about time. In this episode of The Lord and Richards Show, Colin Richards and Dylan Schoonover unpack the idea of “freedom of time” in retirement. Discover how to:- Build a reliable income stream that supports both your needs and your dreams- Balance risk and security so market swings don’t steal your peace of mind- Define your unique retirement vision, whether it’s travel, family, or simply slowing downTune in to learn how to protect your income, maximize your time, and step confidently into retirement freedom.Visit us online: https://lordandrichards.com/
In the program, Colin discusses his company's positive outlook on investing in the US for 2024 and beyond. He cites statistics showing the US leads in areas like GDP, GDP growth rate, population and workforce size, oil production, and size of stock and bond markets. Colin recommends clients focus on US equities and bonds while implementing risk management strategies like principal protection and institutional hedging to reduce volatility. He encourages listeners to pursue financial independence through Lord and Richards' services and educational programs.
Welcome back to Lord and Richards Radio, where Colin discusses biblical principles of financial planning and investing. In this transcript, he provides advice to listeners at different stages of life. For those in their 20s, he emphasizes starting early with investing and avoiding debt. He recommends a 5-step formula of giving 10%, saving 20%, spending 50%, and allocating 10% each to offerings and luxuries. For those in their 30s and 40s, he advises prioritizing tax-free investing and saving outside of 401ks. He warns against lifestyle inflation and overspending. For those in or near retirement, he stresses the importance of comprehensive financial planning that addresses taxes, income planning, healthcare costs, estate planning, and risk management to ensure financial independence and security throughout one's lifetime.
Pillars Of Happiness & Success - - Financial Independence with Colin Richards by Lord and Richards
Build Your Fiscal Foundation - Financial Independence with Colin Richards by Lord and Richards
Build Your Fiscal Walls - Financial Independence with Colin Richards by Lord and Richards
Count On Social Security - Financial Independence with Colin Richards by Lord and Richards
Risks To Reduce As A Young Investor - Financial Independence with Colin Richards by Lord and Richards
Optics And Structure Make Your Business Better - Financial Independence with Colin Richards by Lord and Richards
Business Is An Intellectual Sport - Financial Independence with Colin Richards by Lord and Richards
Don't Pay The Dumb Tax In Business - Financial Independence with Colin Richards by Lord and Richards
Principles For Young Business Owners - Financial Independence with Colin Richards by Lord and Richards
I Wish I Knew This At 30 - Financial Independence with Colin Richards by Lord and Richards
Rising Rates Risk Retirement - Financial Independence with Colin Richards by Lord and Richards
How To Pay Zero Retirement Taxes - Financial Independence with Colin Richards by Lord and Richards
Are My Investments Safe - Financial Independence with Colin Richards by Lord and Richards
Where Do I Put My Cash - Financial Independence with Colin Richards by Lord and Richards
Why You Need A Fiduciary - Financial Independence with Colin Richards by Lord and Richards
Why Lord And Richards - Financial Independence with Colin Richards by Lord and Richards
Five Biblical Priorities - Financial Independence with Colin Richards by Lord and Richards
Here Come Tax Increases - Financial Independence with Colin Richards by Lord and Richards
Offset Poor Market Returns - Financial Independence with Colin Richards by Lord and Richards
Christmas & New Years - Financial Independence with Colin Richards by Lord and Richards
Colin discusses how the markets have traditionally responded to Republican and Democratic Presidents and Congress. He also shows us how to create a personal economic bubble and insulate yourself from the volatility in the markets and the world.
In this episode of the Lord and Richards Show, Colin shares the number one cause of bankruptcy in retirement, and how to avoid it. He also shares how to use an under-utilized asset class to protect yourself from the high costs of long term care
Colin shares the most important things you need to know when the market is crashing. He also discusses how to create a personal economic bubble through times of uncertainty, so you can thrive in both good times and bad.
Colin discusses what the Bible has to stay about keeping up with your investments. He also shares the most important things you need to know when the market is crashing.
Colin discusses some of the innovative solutions available to savers that actually take advantage of current high interest rates. He also discusses the current IRA to Roth Conversion opportunity and other ways to save on future taxes.
Colin discusses the folly of borrowing money, and the downside of putting up security. He also discusses the current trends in real estate and why now may not be the best time to buy a home.
Colin describes the unfortunate ways we will end up paying more taxes if we fail to plan in advance. He also discusses some of the solutions you can implement to protect yourself from the coming tax storm
In this episode of the Lord and Richards Show, Colin discusses the challenging times ahead for you and most Americans when it comes to taxes. He also discusses some of the solutions you can implement to protect yourself from the coming tax storm.
In this episode, Colin breaks down the change in managing portfolios and if the 60-40 portfolio is really dead.
Colin gives sound advice on how to determine whether you’re taking too much risk and addresses the question of whether it’s fair to ask for a low or no-risk portfolio that still provides opportunity.
Colin addresses whether or not we should be worried about an estate plan and shares practical steps you can take to develop a written Estate Plan.
In this episode of the Lord and Richards Show, Colin explains the difference between acting rich and being wealthy. He shares the first step to truly building wealth.
Colin teaches us from Proverbs 10:15 that there is a way to pursue wealth that opens the door for spiritual blessings – but there’s a catch – it must be done with humility. He specific steps you can take to adjust your portfolio to reflect Biblical values.
In this episode of the Lord and Richards Show, Colin shares specific steps you can take to adjust your portfolio to reflect Biblical values. He also discusses the conflicting advice investors are receiving, and how to sort through the noise and develop a solid plan.
Colin discusses how the bear market has wiped out $3 trillion of US savers retirement savings and shares how you can insulate yourself from the manic/depressive markets and enjoy retirement without worry.
In this episode of the Lord and Richards Show, Colin cites the growing signs of recession and the cataclysmic convergence of negative events as evidence of a new economic paradigm. The news is good, however, for low-risk investors.
In this episode of the Lord and Richards show, Colin teaches us from Proverbs 3:27-29 why it’s so important not to hold back our generosity from people in your life.
In this segment of the Lord and Richards show, Colin teaches principles of giving and generosity from a study of Proverbs 3:9-10.
He discusses the remarkable losses in the bond market that are coinciding with the stock market, and how to protect yourself.
He also presents solutions to the current trauma in the stock & bond markets.
Colin builds principles of riches, avoiding danger, and reputation from a study of Proverbs 22:1-4. He also discusses Deutsche Bank’s recent prediction of a major recession, why we need to take note, and how to prepare in advance for it as a retirement saver.
On this episode of the Lord and Richards show, Colin begins with a Bible study of Jeremiah 2:13, reminding us that money and possessions will never truly satisfy us.
On this episode of the Lord and Richards show, Colin begins with a Bible study of Luke 6:38 on the amazing ways God will unleash blessings on you if you are a giver.
On this episode of the Lord and Richards show, Colin shares the source of the wisdom found in the wisest man who ever lived, Solomon. Applying that, he teaches you how to retire wisely, and how to exercise wisdom by avoiding the mistakes of other investors
On this episode of the Lord and Richards show, Colin begins with the principle of honoring the Lord through giving found in Proverbs 3:9-10, then takes a deep dive into the psychology of money contrasting two very different investors.
On this episode of the Lord and Richards show, Colin begins with the principles found in Proverbs 13:11, reminding us not to invest impulsively or reactively. Within the context of global volatility, Colin shares how to think like a billionaire and accumulate wealth wisely.
On this episode of the Lord and Richards show, Colin continues to discuss the importance of the key principle of managing risk as a steward. One of the temptations with today’s volatility is to fear. But Proverbs 3:5-6 reminds us to put our trust in God, avoid coming up with our own plans apart from Him, and let Him guide us to wise decisions.
On this episode of the Lord and Richards show, Colin continues to discuss the importance of the key principle of managing risk as a steward. One of the temptations with today’s volatility is to fear. But Proverbs 3:5-6 reminds us to put our trust in God, avoid coming up with our own plans apart from Him, and let Him guide us to wise decisions.
On this episode of the Lord and Richards show, Colin takes us to another of the core principles of Biblical investing – manage risk as a steward. Amos 2:6 says, “Shall a trumpet be blown in the city, and people not be afraid? Shall there be evil in a city, and the Lord has not done it?” With wars and rumors of wars increasing, and the threat of even greater economic volatility, we should be looking to God as sovereign.
On this episode of the Lord and Richards show, Colin continues his discussion of the first principle of Christian Investing: we are stewards, not owners. In Luke 16:8-9, Christ teaches us that we need to be humble enough to admit where we lack wisdom and experience, and actively seek out those who can help us become masters of financial stewardship.
On this episode of the Lord and Richards show, Colin continues his discussion of the first principle of Christian Investing: we are stewards, not owners. In Luke 12:33-35, Christ teaches us that earthly investments are temporal and do not last, while investments in the kingdom are eternal and reveal where our heart is.
On this episode of the Lord and Richards show, Colin continues his discussion of the first principle of Christian Investing: we are stewards, not owners. Christ shows us in Luke 12:22-32 that we should never have financial anxiety, but rather put all our focus on the kingdom in our financial planning.
On this episode of the Lord and Richards show, Colin continues his discussion of the first principle of Christian Investing: we are stewards, not owners. Examining Christ’s words in Luke 12:13-21, we learn that our life is not comprised of possessions, that hoarding is foolish, and we should be rich toward God.
On this episode of the Lord and Richards show, Colin introduces the concept of Biblically Responsible Investing as part of being a steward of God’s resources. Teaching from 1 Peter 4:10, Colin reminds us that we are stewards, not owners, of the time, talent, and treasure God places in our hands.
On this episode of the Lord and Richards show, Colin addresses some of the challenges of passing on wealth to the next generation. Looking into Proverbs 13:22, we learn that a good steward leaves a legacy. But potential changes in the law are making this harder than ever. Listen in to discover what you can do right now to avoid leaving your estate to the government and nursing homes.
On this episode of the Lord and Richards show, Colin continues the series “Failing to Plan is Planning to Fail,” with part four – the necessity of a written Social Security Optimization Plan.
On this episode of the Lord and Richards show, Colin continues the series “Failing to Plan is Planning to Fail,” with part three – the necessity of a written chronic illness plan. Based on Psalm 71:6,17, and 18, Colin shares with us God’s intent for old age, and how to be well-prepared financially to be a blessing.
On this episode of the Lord and Richards show, Colin continues the series “Failing to Plan is Planning to Fail,” with part two – the necessity of a written risk-management plan.
On this episode of the Lord and Richards show, Colin presents the principle from Proverbs 24:3-4 that wisdom should be the foundation of a sound financial plan. The first step in that plan always needs to be the foundation of a written income plan.
On this episode of the Lord and Richards show, Colin returns to the 5 key Biblical priorities that were essential in the founding of Lord and Richards. Colin reminds us to 1) Fear the Lord, 2) Eliminate debt, 3) Manage risk as a steward, 4) Provide for one another in old age, and 5) Consider your legacy.
On this episode of the Lord and Richards show, Colin continues his discussion of the problem of the coming tax storm. Basing his advice on Matthew 22:21, Colin reminds us we need to pay our taxes, but not overpay, because the remainder is God’s. Today’s show focuses on the top tax strategies for 2021, as well as the primary reasons you may want to consider converting some assets from “forever-taxed” to “never-taxed.”
On this episode of the Lord and Richards show, Colin continues his discussion of the problem of the coming tax storm. Basing his advice on Matthew 22:21, Colin reminds us we need to pay our taxes, but not overpay, because the remainder is God’s. Today’s show focuses on the different ways we pay taxes on different kinds of money, and which places are the best places to put your money to avoid overpaying taxes both now and in the future.
On this episode of the Lord and Richards show, Colin continues his discussion of the problem of the coming tax storm. Basing his advice on Matthew 22:21, Colin reminds us we need to pay our taxes, but not overpay, because the remainder is God’s. This show focuses on the importance of incorporating a written tax plan into a comprehensive plan to achieve financial independence.
On this episode of the Lord and Richards show, Colin continues his discussion of the problem of the coming tax storm. Basing his advice on Matthew 22:21, Colin reminds us we need to pay our taxes, but not overpay, because the remainder is God’s. This show focuses on how to convert money from forever-taxed to never-again-taxed.
On this episode of the Lord and Richards show, Colin continues his discussion of the problem of the coming tax storm. Basing his advice on Matthew 22:21, Colin reminds us we need to pay our taxes, but not overpay, because the remainder is God’s. This show focuses on the steps you can take now to be prepared.
On this episode of the Lord and Richards show, Colin discusses the problem of the coming tax storm. Basing his advice on Matthew 22:21, Colin reminds us we need to pay our taxes, but not overpay, because the remainder is God’s.
On this episode of the Lord and Richards show, Colin discusses the how to actually feel Financially Independent. The Biblical principle is found in Luke 14:28 “Which of you, intending to build, does not first sit down and count the cost, whether you have enough to finish it?” Colin’s foundational principle is that you must divide up your nest egg if you want to feel financially independent.
On this episode of the Lord and Richards show, Colin discusses the special financial needs that women have in retirement. The Biblical principle is found in Proverbs 31:19 “{The virtuous woman} perceives that her merchandise is good; and her light does not go out at night.” Colin’s foundational principle is, smart women retire financially independent.
On this episode of the Lord and Richards show, Colin discusses the special financial needs that women have in retirement. The Biblical principle is found in Proverbs 31:19 “{The virtuous woman} perceives that her merchandise is good; and her light does not go out at night.” Colin’s foundational principle is, smart women retire financially independent.
On this episode of the Lord and Richards show, Colin discusses the delicate question of when to let go of your current advisor. The Biblical principle is found in Proverbs 22:3, “A prudent man foresees the evil and hides himself, but the simple pass on and are punished.” Colin’s foundational principle is, in order to achieve financial independence, you need to be proactive, not reactive.
On this episode of the Lord and Richards show, Colin shares the third part of a client’s journey toward financial independence. This episode includes how to develop a Financial Independence Roadmap. Citing 1 Timothy 4:2, Colin reminds us that is our duty as stewards of God’s inheritance to faithfully prepare and plan.
On this episode of the Lord and Richards show, Colin shares the second part of a client’s journey toward financial independence. Citing 1 Timothy 4:2, Colin reminds us that is our duty as stewards of God’s inheritance to faithfully prepare and plan.
On this episode of the Lord and Richards show, Colin walks us through the journey of one of his clients toward Financial Independence. Citing 1 Timothy 4:2, Colin reminds us that it is our duty as stewards of God’s inheritance to faithfully prepare and plan.
On this episode of the Lord and Richards show, Colin discusses the financial considerations around losing your spouse. Basing his advice on Proverbs 13:22, Colin shares important steps you can take to show love for those you leave behind, and to help them take the next steps in their lives.
On this episode of the Lord and Richards show, Colin addresses some of the challenges of passing on wealth to the next generation. Looking into Proverbs 13:22, we learn that a good steward leaves a legacy. But potential changes in the law are making this harder than ever. Listen in to discover what you can do right now to avoid leaving your estate to the government and nursing homes.
On this episode of the Lord and Richards show, Colin takes a deep dive into the subject of stewardship. Citing 1 Peter 4:10, Colin reminds us that we are stewards, not owners, of what God has entrusted to us. That starts with our life, then moves on to our money.
On this episode of the Lord and Richards show, Colin shares his top observations this year from the massive volatility after the COVID-related shutdowns. Citing Proverbs 24:3, Colin reminds us that wisdom is what builds our financial house, and understanding keeps it standing.
On this episode of the Lord and Richards show, Colin shares strategies on how to protect principal while maintaining growth through the power of indexing. Citing Proverbs 13:11, you will learn how to manage risk as a steward while still achieving growth.
On this episode of the Lord and Richards show, Colin discusses the pros and cons of using annuities in financial planning. Citing a core principle of Lord and Richards from Proverbs 13:11, “Manage Risk as a Steward,” Colin discusses ways you can reduce risk while managing your retirement like a business.
On this episode of the Lord and Richards show, Colin shares the important issues that pertain to High Net Worth investors. Citing I Timothy 6:17-19, Colin reminds the wealthy of their responsibility to put their trust in God, not riches.
On this episode of the Lord and Richards show, Colin shares the seven key considerations for those looking to retire. Citing Proverbs 22:1, he also reminds us that a good name and the favor of God is more important than wealth.
On this episode of the Lord and Richards show, Colin discusses the need to ask yourself 4 specific questions now that you’ve reached the Summit of Saving before retiring. Citing Proverbs 3:13-16, Colin reminds us that the wisdom of how to distribute money over your lifetime is just as important as accumulating it.
On this episode of the Lord and Richards show, Colin discusses the challenges of getting through a layoff. Citing Proverbs 3:5-6, Colin reminds us that God has a plan for our lives, and then gives concrete steps to take during the crisis.
On this episode of the Lord and Richards show, Colin discusses the critical importance of learning from history. Citing Proverbs 22:3, Colin discusses 3 important challenges from history, how to learn from them, and how to put a plan in place not to repeat them.
On this episode of the Lord and Richards show, Colin discusses 6 secrets of a happy retirement. Citing Proverbs 10:22, Colin encourages us to put God first in our retirement years, and then have fun!
In this episode of Financial Independence, Colin explains the new Congress Tax Plan and the changes that it may bring. He challenges us to take a biblical perspective and be good stewards of what God has entrusted to us.
In this episode, Colin Richards explains 11 ways in which your retirement income might be taxed, and how to effectively handle each one.
Women face distinctly different financial challenges than men during retirement. This week, we are talking about the 3 Retirement Basket Approach. Ladies, find out what you need to know on this week's Financial Independence with Colin Richards as he talks through some key topics (based on the million copy, #1 bestselling book from 9-time New York Times bestselling author David Bach!)
Women face distinctly different financial challenges than men during retirement. Yet women are the economic powerhouse of our country. Ladies, find out what you need to know on this week's Financial Independence with Colin Richards as he talks through some key topics (based on the million copy, #1 bestselling book from 9-time New York Times bestselling author David Bach!)
How do you live on your retirement income? And how do we do that tax-efficiently? Find out on this week's episode of Financial Independence with Colin Richards
Learn how to employ methods and strategies that will help you prosper through both good times and bad. We call that "Financial Independence".
Learn some secrets of the ultra wealthy (the 1% with millions of dollars at their disposal) and what they do when it comes to investing.
How do we deal with major costs during retirement? Do you have a plan written down to ensure you don't run out of money before you run out of life?
In today's volatile world, we need strategies to help build greater certainty and financial independence.
Four solutions to address market volatility - learn how to prepare or recover from the wild ride of the market.
How to Call Your Own Shots In Retirement When it comes to retirement, not being in control of your finances could mean falling short of your dreams, or worse, running out of money. Learn how to position your finances so you can call your own shots in retirement.
What is the right balance between accumulation and protection? Is growth the trump-all?
Most of us like the thought of guarantees, but how does that apply to retirement? You need to know that your retirement income stream will last as long as you do!
A historic look at inflation and steps you can take to protect your portfolio from future inflation.
Tips to help give you and your nest egg a smoother ride on the roller coaster of the stock market.
Colin Richards speaks about defending your retirement from sneak attacks. Tune into Financial Independence with Colin Richards show on Sundays at 1 pm on KHOW 630 AM.
Colin shares wisdom for how to protect your nest egg before and during retirement. Hint: ordinary diversification is not enough!
Colin discusses the recent market volatility, and how to prepare for it properly when considering retirement.
Colin walks through a series of questions designed to help you figure out the best time to retire.
In this Lord and Richards Show, Colin gives advice to both single and married women about how to make great financial decisions.
Colin shares timely advice on how to reduce taxes in light of the upcoming changes in tax law.
Colin talks about the five-fingered method for prioritizing your spending – learn where giving, saving, spending, offerings, and luxuries fall in order of priority.
Colin walks his radio audience through the reasons a market correction is likely, and the principles to prepare for it in advance.
Colin discusses a situation where one of his prospective clients was paying a lot more than they thought in fees and how to reduce those without giving up opportunity.
Colin speaks from the perspective of recent clients about the key issues the must be addressed to successfully retire.
Colin talks about the implications of the current effort to push through tax reform, and why you should be pulling out the planning stops.
Colin shares some of the powerful ways he’s helped clients achieve Financial Independence, including a thorough discussion of how to make sure you never run out of money!
Colin shares the story of a recent client he was able to help achieve Financial Independence, as well as the first step to make sure you can achieve it too.
Colin discusses the important question of whether it’s better to save taxes now or later.
Colin discusses the absolute necessity of a plan when preparing for retirement and Financial Independence, continuing with creative strategies to cover the cost of nursing care without buying expensive long term care insurance.
Colin discusses the absolute necessity of a plan when preparing for retirement and Financial Independence, continuing with a plan to keep risk low in your portfolio.
Colin discusses the absolute necessity of a plan when preparing for retirement and Financial Independence, starting with a plan to make sure you don’t run out of money.
Colin discusses the absolute necessity of a plan when preparing for retirement and Financial Independence.
Colin discusses the first 3 foundational Biblical principles of investing at Lord and Richards.
Colin explains some of the vast array of claiming options and the pitfalls of claiming at the wrong time. He also discusses the viability of Social Security in years ahead.
Colin walks his audience through some of the recent changes to Social Security and why it is critical to develop a comprehensive plan that includes all income sources as well as Social Security before claiming.
Colin deals with the challenge of funding health problems in old age. How do you make sure your family isn’t bankrupted by the high cost of long term care?
Colin talks about the importance of a written income plan to make sure you never run out of money before you run out of life. How much can you safely withdraw from your portfolio to make sure it lasts?
Colin discusses the differences between the approach of a pro and the approach of an amateur to handling risk in your portfolio.
How to disarm your portfolio "Tax Time Bomb" as you prepare for a financially independent retirement.