Beer & Money: Recent Episodes

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In this episode, Ryan Burklo and Alex Collins discuss the impending changes to the Washington State estate tax, including updates to the exemption limits and tax rates. They emphasize the importance of proper estate planning to navigate these changes effectively and ensure that individuals and families can protect their assets and minimize tax liabilities. The conversation highlights the need for coordination among financial advisors, estate planning attorneys, and CPAs to create a comprehensive estate plan that addresses both state and federal tax implications.

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Below are the episodes mentioned by Ryan & Alex:

Episode 274

https://beerandmoney.libsyn.com/episode-274-top-3-mistakes-of-estate-plans-with-rob-bukacek

Episode 281

https://beerandmoney.libsyn.com/episode-281-traversing-the-estate-planning-maze-with-rob-bukacek

Takeaways

Washington State is considering changes to its estate tax. The current exemption is $2.2 million per person. Proper estate planning is crucial to avoid losing exemptions. The proposed exemption may increase to $3 million. Tax rates are set to increase significantly. Coordination between financial professionals is essential. Real estate values in Washington can quickly lead to estate tax issues. Life insurance can be subject to estate taxes depending on ownership. Individuals should act now to prepare for these changes. Understanding both state and federal estate tax implications is vital.

Chapters

00:00 Introduction to Washington State Estate Tax Changes 02:57 Understanding the Current Estate Tax Exemption 06:01 Proposed Changes to Estate Tax Exemption 08:57 Impact of Increased Tax Rates 11:58 Importance of Estate Planning 15:05 Conclusion and Call to Action

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In this episode of Beer and Money, Ryan Burklo and Alex Collins delve into the intricacies of index investing, particularly focusing on the S&P 500. They discuss common misconceptions about index investing, the importance of diversification, and the risks associated with over-concentration in large-cap stocks. The conversation also touches on the differences between active and passive investing strategies, emphasizing the need for a well-rounded approach to portfolio management. The hosts aim to educate listeners on making informed investment decisions and understanding the market dynamics that can impact their financial future.

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Takeaways

• Index investing is a passive strategy that replicates market performance.
• Many investors misunderstand the implications of being an index investor.
• The S&P 500 is heavily weighted towards a few large companies.
• Diversification is crucial, but not all index funds provide true diversification.
• Investing in smaller companies can yield higher returns over time.
• Market cap weighting can lead to over-concentration in a few stocks.
• Active investing strategies can still be relevant in today's market.
• Investors should be cautious of chasing past performance.
• Understanding the underlying assets in a portfolio is essential.
• A well-diversified portfolio can help mitigate risks during market downturns.

Chapters

00:00 Understanding Index Investing 03:07 The S&P 500: A Closer Look 06:07 The Importance of Diversification 09:03 Active vs. Passive Investing 12:05 The Risks of Over-Concentration 14:58 Navigating Market Changes 17:50 Conclusion and Key Takeaways

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In this week's episode of Beer and Money, Ryan Burklo explains the concept of mortgage recasting — a lesser-known alternative to refinancing. He walks listeners through a scenario in how this process works. While not available through all lenders (especially federal loans), mortgage recasting can be a valuable strategy for those looking to improve cash flow or prepare for retirement without refinancing at a higher interest rate.

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Takeaways

• Definition of mortgage recasting
• Recasting provides an alternative to refinancing
• Recasting keeps your interest rate intact
• There are restrictions depending on your individual situation

Chapters

• 0:00 Understanding Mortgage Recasting
• 2:49 Practical Applications and Benefits of Recasting

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In this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the valuable lessons learned from their experiences with clients over the years. They explore the importance of maintaining emotional balance, planning for both success and worst-case scenarios, and the significance of taking time for family and personal health. The conversation emphasizes the need for flexibility in financial planning and the evolving nature of personal goals.

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Takeaways

Never get too high or too low in life. Plan for success but also prepare for the worst. Take opportunities to spend time with family. Health should be a priority in financial planning. Understand that goals can change over time. It's important to know what you truly want. Flexibility in finances allows for spontaneous experiences. Emotional intelligence is key in financial advising. Living today while saving for tomorrow is possible. Learning from clients' experiences enriches personal growth.

Chapters

00:00 Introduction to the Conversation 01:10 Lessons Learned from Clients 05:33 Planning for Success and Flexibility 09:12 Personal Insights on Health and Values 14:27 Emotional Intelligence in Financial Planning

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In this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the role of buffered ETFs in financial planning. They explore the mechanics of buffered products, including their potential for equity exposure and downside protection. The conversation delves into how these products can be integrated into financial strategies, particularly for individuals nearing retirement or already retired. The hosts emphasize the importance of understanding the risks and returns associated with buffered ETFs and how they can provide flexibility in investment decisions.

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Takeaways

Buffered ETFs provide equity exposure with downside protection. Understanding caps and downside risks is crucial for investors. Buffered products can be beneficial for those nearing retirement. It's important to diversify investment strategies with buffered ETFs. Buffered ETFs can offer flexibility in retirement income planning. Investors should be aware of the fees associated with buffered products. The structure of buffered ETFs can vary significantly. Market volatility can impact the effectiveness of buffered ETFs. Buffered ETFs are not a one-size-fits-all solution. Financial advisors play a key role in guiding clients on buffered products.

Chapters

00:00 Introduction to Buffered ETFs 02:48 Understanding Buffered Products 05:50 Exploring Financial Planning with Buffered ETFs 11:59 Utilizing Buffered ETFs in Retirement 15:01 The Role of Risk and Return in Financial Strategy

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In this episode, Ryan Burklo and Alex Collins discuss effective retirement planning strategies that ensure individuals are not solely dependent on market performance for their retirement income. They emphasize the importance of liquidity, market risks, and the need for a diversified approach to asset allocation. The conversation highlights various withdrawal strategies and the impact of market volatility on retirement savings, ultimately advocating for a balanced approach that mitigates risks while maximizing financial security.

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TAKEAWAYS

• Rate of return should not dictate retirement timing.
• Market performance becomes salient when it hits you.
• Understanding liquidity is crucial for retirement planning.
• Market volatility can significantly impact retirement income.
• Having a liquid fund can protect against market downturns.
• Diversifying asset allocation is key to financial security.
• It's important to have a strategy for withdrawals during retirement.
• Clients often prefer less risk for more certainty in retirement.
• Comparative analysis of different retirement scenarios is essential.
• Effective planning can lead to increased cash flow and reduced taxation.

Chapters

00:00 Introduction to Retirement Planning Strategies 02:52 Understanding Market Risks and Retirement Withdrawals 06:08 The Importance of Liquidity in Retirement 09:00 Strategies for Managing Market Volatility 12:03 Comparative Analysis of Retirement Scenarios 14:57 Trade-offs in Risk and Return 18:01 Conclusion and Call to Action

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In this episode of Beer and Money, Alex Collins discusses the intricacies of converting traditional IRAs to Roth IRAs, including the types of conversions, strategies for implementation, and the tax implications involved. He emphasizes the importance of consulting with tax advisors and financial planners to navigate these decisions effectively. The conversation also covers the timing of conversions, potential costs, and unintended consequences as individuals approach retirement.

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Check out your tax rate (the site Alex mentioned): https://data.qz.com/2012/yourtaxrate/

Takeaways

• Conversions can be from traditional IRA to Roth IRA.
• Non-deductible contributions can be converted tax-free.
• Pre-tax conversions will incur tax liabilities.
• Timing conversions during low-income years is beneficial.
• Understanding historical income levels aids in planning.
• Most people remain in the same or higher tax bracket in retirement.
• Calculating the cost of conversions is crucial.
• Medicare costs can be affected by conversions.
• Consulting with professionals is essential for tax strategies.
• Unintended consequences can arise from poor planning.

Chapters

00:00 Introduction to Conversions 01:24 Types of Conversions Explained 03:25 Strategies for Converting to Roth 04:40 When to Consider Conversions 07:12 Understanding Tax Implications 09:29 Calculating Costs of Conversion 11:43 Unintended Consequences Near Retirement

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In this episode of Beer and Money, Alex Collins discusses various strategies for contributing to Roth accounts, including Roth IRAs, Roth 401ks, backdoor Roths, municipal bonds, and permanent life insurance. He emphasizes the importance of consulting with tax professionals and understanding individual circumstances when choosing the best strategy for tax-free growth and withdrawals.

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For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo

Takeaways

• Roth accounts use after-tax dollars for contributions.
• Roth IRA contribution limits are $7,000 per person per year.
• Income limits apply for Roth IRA contributions.
• Roth 401k options are increasingly common in employer plans.
• Conversions from traditional to Roth accounts incur taxes.
• Municipal bonds offer tax-exempt income but vary by state.
• Permanent life insurance can provide tax-free access to cash value.
• Consulting a tax advisor is crucial for these strategies.
• Understanding individual financial situations is key to choosing strategies.
• A combination of strategies may be the best approach.

Chapters

00:00 Introduction to Roth Strategies 02:25 Exploring Roth IRA Contributions 04:14 Understanding Roth 401k Options 06:54 Utilizing Municipal Bonds for Tax Benefits 08:15 Permanent Life Insurance as a Roth Strategy

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In this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the nuances of Roth accounts, focusing on when to contribute to them and the importance of understanding tax brackets. They explore the differences between marginal and effective tax rates, the significance of tax diversification, and strategies for funding Roth accounts. The conversation emphasizes the need for personalized financial planning and the impact of future income on tax strategies.

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For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo

Takeaways

Roth accounts can provide tax-free growth and withdrawals. Understanding your tax bracket is crucial for Roth contributions. Marginal tax rates affect how additional income is taxed. Effective tax rates give a clearer picture of overall tax burden. Tax diversification can help manage future tax liabilities. Future income predictions are essential for retirement planning. Consulting with a tax advisor is important for personalized strategies. Roth accounts can be beneficial for unexpected expenses in retirement. Funding Roth accounts requires strategic planning and foresight. Financial planning should consider the entire balance sheet, not just individual accounts.

Chapters

00:00 Introduction to Roth Accounts 02:47 Understanding Tax Brackets and Rates 05:47 When to Consider Roth Contributions 08:59 The Importance of Tax Diversification 11:56 Funding Roth Accounts and Future Planning

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In this episode of Beer and Money, Ryan Burklo discusses essential aspects of retirement planning, focusing on cash flow, taxation, and the risks associated with relying solely on market returns. He emphasizes the importance of setting up a flexible balance sheet to ensure financial security in retirement, while also addressing legacy objectives and minimizing tax liabilities.

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For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo

Takeaways

• We care about the highest cash flow to live the life we want.
• We want to pay the lowest rate of tax on that cash flow.
• We never want to outlive or outrun our money.
• We want to hit legacy objectives for our family.
• We want to do these with minimal dependence on rate of return.
• Understanding tax distribution status is crucial for retirement planning.
• Relying solely on market returns can be risky.
• Setting up a flexible balance sheet is essential for financial security.
• Life insurance can provide both protection and cash value.
• It's important to consider how to turn on income streams in retirement.

Chapters

00:00 Introduction to Retirement Planning 01:24 Understanding Cash Flow and Taxation 04:51 The Risks of Relying on Rate of Return 09:12 Setting Up a Flexible Balance Sheet

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In this episode of Beer and Money, Ryan Burklo discusses the essential elements of retirement planning, emphasizing the importance of making informed decisions today to secure a successful retirement in the future. He outlines key factors that individuals should consider when saving for retirement, including income needs, tax implications, and the desire to leave a legacy. The episode also delves into asset allocation strategies and the use of Monte Carlo simulations to assess the risk of outliving one's savings. Ryan concludes by hinting at future discussions on cash flow strategies and retirement planning techniques.

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Takeaways

• We're making decisions today that will affect our lifestyle.
• They want the highest cash flow possible.
• They want to pay the lowest rate of tax.
• They never want to outlive their money.
• They want to meet any legacy objectives.
• Most wealth is in 401k type plans.
• Monte Carlo simulations help assess financial risks.
• A conservative portfolio can yield an average of 8%.
• The 4% rule is a common guideline for withdrawals.
• Building a flexible bucket of money is crucial.

Chapters

00:00 Introduction to Retirement Planning 01:15 Key Factors in Retirement Savings 02:40 Understanding Asset Allocation 04:56 Monte Carlo Simulation Explained 06:56 Strategies to Avoid Outliving Your Money 08:53 Conclusion and Next Steps

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In this episode of Beer and Money, Alex Collins shares his personal journey in the finance industry, discussing his background, the importance of financial planning, and the impact of partnerships in his career. He emphasizes the significance of helping clients achieve their financial goals and the emotional aspects of financial planning, particularly in times of loss.

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Takeaways

• Alex Collins has a strong foundation in finance from a young age.
• He combines his parents' professions to help others with money.
• Understanding cash flow is crucial in financial planning.
• Partnerships in finance can enhance client service.
• Alex's passion lies in helping clients realize their dreams.
• Financial planning can provide security in times of tragedy.
• The importance of communication in financial advisory is key.
• Alex's journey includes overcoming struggles in his career.
• He values the relationships built with clients over the years.
• Helping clients enjoy their lifestyle is a priority.

Chapters

00:00 Introduction to Alex Collins and His Journey 03:01 The Intersection of Finance and Personal Goals 05:56 Building Partnerships in Financial Advisory 09:05 The Impact of Financial Planning on Lives

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In this episode of Beer and Money, Ryan Burklo shares his personal journey and professional evolution into financial advising. He discusses his background, the importance of understanding client goals, and the role of effective communication in financial planning. Ryan emphasizes that financial planning is not just about money, but about helping clients achieve their desired lifestyles and goals.

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For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo

Takeaways

Ryan Burklo shares his personal story to build trust. Understanding client goals is crucial for effective advising. Cash flow is a key component of financial planning. Communication is essential in discussing financial matters. Helping clients take action is a primary focus. Financial planning should align with personal values and goals. Money is a tool to achieve desired lifestyles. Building relationships with clients enhances the advising process. Ryan's journey reflects the ups and downs of entrepreneurship. The podcast aims to provide valuable insights into personal finance.

Chapters

00:00 Introduction and Personal Background 05:46 The Importance of Communication in Financial Planning

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In this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the importance of umbrella policies in personal finance. They explain what an umbrella policy is, how it provides an extra layer of liability insurance beyond standard policies, and why it is crucial for protecting assets and income. The conversation also covers the cost-effectiveness of these policies and how to determine the right amount of coverage needed. The hosts emphasize the importance of consulting with financial and insurance professionals to ensure adequate protection against potential lawsuits.

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For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo

Takeaways

Umbrella policies are critical for financial protection. Many clients are unaware of what an umbrella policy is. An umbrella policy provides additional liability coverage. The cost of an umbrella policy is relatively low. One claim can cover the entire cost of the policy. It's essential to have enough coverage to protect your assets. Consult with insurance agents to understand your options. Insurance companies are becoming stricter with coverage limits. Communication between financial advisors and insurance agents is vital. Understanding your risk exposure is key to financial planning.

Chapters

00:00 Introduction to Umbrella Policies 02:03 Understanding the Importance of Umbrella Policies 04:05 What is an Umbrella Policy? 07:58 Cost and Value of Umbrella Policies 09:48 How Much Coverage Do You Need? 11:55 Conclusion and Call to Action

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In this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the concept of exchange funds, particularly for individuals with concentrated stock positions. They explore the implications of holding large amounts of stock in a single company, the tax ramifications of diversifying, and various strategies to manage risk and enhance portfolio diversification. The conversation emphasizes the importance of working with financial and tax advisors to create a tailored strategy for managing concentrated stock positions.

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Takeaways

Exchange funds are a solution for diversifying concentrated stock positions. Concentrated stock positions can lead to significant financial risk. Tax implications are crucial when considering diversification strategies. Exchange funds require a long-term commitment, often up to seven years. Diversification can be achieved through various strategies, including options. A collared option strategy can protect against downside risk while allowing for some upside. Exchange fund replication maintains liquidity while providing diversification benefits. It's essential to coordinate with financial and tax advisors for effective planning. Investors should consider their overall portfolio strategy, not just individual investments. Creating a financial plan is vital for managing concentrated stock positions.

Chapters

00:00 Introduction to Exchange Funds 02:32 Understanding Concentrated Stock Positions 05:39 Defining Exchange Funds 07:53 Strategies for Diversification 13:17 Advanced Strategies for Managing Stock Positions 16:33 Final Thoughts and Recommendations

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In this episode of Beer & Money, Ryan Burklo discusses two common misunderstandings about dividends. He explains what dividends are, how they affect stock prices, and the tax implications associated with them. The episode aims to educate listeners on the nuances of dividends, emphasizing the importance of understanding their impact on investments and taxes.

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Takeaways

Dividends are payments made by companies to shareholders from profits. When dividends are paid, stock prices typically decrease by the dividend amount. Dividends are taxed as ordinary income, which can be higher than capital gains tax. Long-term capital gains tax rates can be significantly lower than ordinary income tax rates. Understanding the tax implications of dividends is crucial for effective financial planning. Investors should consider both dividends and stock price appreciation in their strategies. Consulting with a CPA can help clarify individual tax situations regarding dividends. The perception of dividends can be overly positive or negative; understanding is key. Financial education is essential for making informed investment decisions. Controlling finances and understanding investments leads to better financial outcomes.

Chapters

00:00 Understanding Dividends: The Basics 02:47 The Impact of Dividends on Stock Prices 06:05 Tax Implications of Dividends vs. Capital Gains

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In this episode of Beer and Money, Ryan Burklo discusses the recent changes to the rules governing inherited IRAs, particularly focusing on the new 10-year rule that requires non-spouse beneficiaries to deplete inherited accounts within a decade. He explains the implications of this rule, exceptions for certain beneficiaries, and the importance of tax strategies when managing inherited funds. The episode emphasizes the need for financial planning and awareness of IRS regulations to avoid penalties and optimize tax efficiency.

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Takeaways

The 10-year rule requires non-spouse beneficiaries to deplete inherited IRAs within 10 years. Prior to 2020, beneficiaries could stretch withdrawals over their lifetime. Exceptions to the 10-year rule exist for minor children and disabled individuals. Tax planning is crucial when withdrawing from inherited IRAs. Delaying withdrawals until year 10 can lead to significant tax implications. Inherited traditional IRAs are subject to ordinary income tax rates upon distribution. Understanding these rules is imperative to avoid penalties. The IRS is now enforcing these rules more strictly than before. Financial planning should consider retirement timing and income changes. Resources are available for individuals to assess their financial situation.

Chapters

00:00 Introduction to Inherited IRA Rules 00:30 Understanding the 10-Year Rule 02:27 Exceptions to the 10-Year Rule 03:28 Tax Strategies for Inherited IRAs 05:21 Conclusion and Resources

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In this episode of Beer and Money, Ryan Burklo discusses the importance and benefits of Health Savings Accounts (HSAs). He explains the qualifications for opening an HSA, the contribution limits, and the unique triple tax advantage that HSAs offer. Ryan emphasizes the potential for long-term growth and the importance of investing the funds within an HSA for future medical expenses, especially in retirement. He also highlights common misconceptions about HSAs and encourages listeners to take advantage of this financial tool for better health expense management.

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Takeaways

Health Savings Accounts (HSAs) offer a triple tax advantage. To qualify for an HSA, you must have a high deductible health plan. You can contribute up to $4,300 annually as an individual. HSAs allow for tax-free withdrawals for qualified medical expenses. 90% of Americans do not invest their HSA funds. HSAs can be used for medical expenses in retirement. Investing in an HSA can lead to significant long-term growth. Medical expenses are a constant concern in retirement planning. It's important to understand the difference between HSAs and FSAs. Utilizing HSAs effectively can lead to better financial health.

Chapters

00:00 Introduction to Health Savings Accounts 03:14 Understanding the Triple Tax Advantage 06:03 Long-Term Benefits of HSAs

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In this episode of Beer and Money, Ryan Burklo and Alex Collins delve into the complex topic of tariffs, exploring their definition, implications, and effects on businesses and the economy. They discuss the potential benefits and drawbacks of tariffs, including their impact on consumer prices and the risk of trade wars. The conversation emphasizes the importance of understanding market dynamics and preparing for economic volatility, particularly for small businesses and investors.

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For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo

Takeaways

A tariff is a tax on imported goods. Tariffs can generate revenue and potentially boost U.S. employment. Increased tariffs may lead to higher consumer prices. Trade wars can arise from tariff implementations. Smaller businesses are likely to be hit harder by tariffs. Economic models are complicated due to numerous variables. Investors should focus on long-term strategies. Maintaining liquidity is essential during volatile times. Market reactions to tariff announcements are immediate. Understanding your balance sheet is crucial for financial planning.

Chapters

00:00 Understanding Tariffs: An Introduction 02:00 The Good and Bad of Tariffs 04:50 Impact on Businesses and Trade Wars 09:05 Navigating Economic Volatility and Investment Strategies

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In this episode, Ryan Burklo discusses the five essential principles of investing, emphasizing the importance of having a well-structured balance sheet, understanding risk, diversifying investments, rebalancing portfolios, and maintaining good behavioral finance practices. He highlights how these principles can help investors navigate market fluctuations and achieve long-term financial success.

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Takeaways

Your balance sheet should be set up appropriately before investing. Having an emergency fund is crucial before investing in stocks or bonds. Understanding your overall risk tolerance is essential for investment success. Diversification is necessary to mitigate risks associated with market volatility. Rebalancing your portfolio helps maintain your desired risk level over time. Behavioral finance plays a significant role in investment decisions. Investing is a long-term commitment, not just a short-term strategy. Don't put all your money in the S&P 500; consider other asset classes. Market timing is risky and often leads to poor investment decisions. Consulting with a financial advisor can help you navigate complex investment strategies.

Chapters

00:00 Introduction to the Five Principles of Investing 01:26 Setting Up Your Balance Sheet 03:50 Understanding Risk: Stocks vs. Bonds 06:09 The Importance of Diversification 11:41 Rebalancing Your Portfolio 14:58 Behavioral Finance: Staying the Course

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In this episode of Beer andMoney, Ryan Burklo discusses various tax strategies for retirement, emphasizing the importance of planning with the end in mind. He explores the implications of different income needs, the 4% withdrawal rule, and compares various tax strategies including amortization and annuities. The conversation highlights how where you place your money can significantly impact your tax bracket and overall financial health in retirement.

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For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo

Takeaways

Understanding tax brackets is crucial for retirement planning. The 4% rule helps determine sustainable withdrawals. Amortization can provide a different tax strategy for income. Annuities can offer guaranteed income but have tax implications. Effective tax rates can vary significantly based on income sources. Planning with the end in mind allows for better tax strategies. Diversifying tax buckets can help control tax liabilities. Long-term planning is essential for maximizing retirement income. Where you put your money today affects future tax strategies. Engaging with financial professionals can simplify planning.

Chapters

00:00 Introduction to Tax Strategies in Retirement 02:54 Understanding Income Needs and Tax Implications 06:10 Exploring the 4% Withdrawal Rule 08:59 Amortization as a Tax Strategy 11:54 Comparing Tax Strategies: Interest-Only vs. Amortization 15:00 Annuity as a Tax Strategy 18:03 Tax Implications of Annuities 20:45 Long-Term Tax Planning Strategies 23:12 Conclusion and Call to Action

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In this episode of Beer and Money, Ryan Burklo discusses the importance of tax planning for retirement. He emphasizes the need to understand the net after-tax income and how different retirement accounts, such as traditional and Roth accounts, affect future tax liabilities. The conversation includes a visual representation of a fictitious client's financial situation, highlighting the distribution of taxable and non-taxable assets. Ryan encourages listeners to consider their own financial pie charts and the implications of their current saving strategies on future tax outcomes.

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Takeaways

Tax planning is crucial for maximizing after-tax income in retirement. Understanding the difference between traditional and Roth accounts is essential. Future tax rates are uncertain, making personalized planning important. Visualizing your financial situation can help in making informed decisions. Having a balance of taxable and non-taxable assets can provide flexibility in retirement. It's important to consider the tax implications of your savings strategies now. Not all financial advice is one-size-fits-all; individual circumstances matter. The majority of assets in traditional retirement accounts can lead to higher taxes later. Planning with the end in mind can lead to better financial outcomes. Utilizing a financial scorecard can help assess your current situation.

Chapters

00:00 Understanding Tax Planning for the Future 10:06 Visualizing Your Financial Future: The Importance of Tax Status

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In this episode of Beer and Money, Ryan Burklo discusses the intricacies of the tax system, focusing on the differences between marginal and effective tax rates, how bonuses are taxed, and the implications of choosing between traditional and Roth retirement accounts. He emphasizes the importance of understanding these concepts for effective tax planning and long-term financial strategy.

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Takeaways

Understanding the difference between marginal and effective tax rates is crucial. Your marginal tax rate does not apply to all your income. Bonuses are taxed at your highest marginal tax rate unless you cross into a new bracket. Effective tax rate gives a clearer picture of your overall tax burden. Retirement account choices can significantly impact future tax liabilities. Traditional IRAs lower your taxes now but can lead to higher taxes later. Roth IRAs are funded with after-tax dollars, allowing for tax-free withdrawals in retirement. Tax planning should consider both current and future tax implications. Collaboration between your CPA and financial advisor is essential for effective planning. It's important to think about how current decisions affect future tax situations.

Chapters

00:00 Understanding Taxes: Marginal vs Effective Tax Rates 02:49 The Taxation of Bonuses and Income Planning 06:02 Retirement Accounts: Traditional vs Roth and Tax Implications

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In this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the often misunderstood concept of recovery rates in investing, particularly after market downturns. They explore the mathematical realities of recovering from losses, the importance of strategic retirement planning, and the need for a balanced approach to investing that includes both market and non-market assets. The conversation aims to debunk common myths about rate of return and emphasizes the significance of cash flow in retirement planning.

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Takeaways

We often underestimate the impact of market losses on retirement planning. To recover from a 22% loss, you need more than a 22% gain. Mathematically, recovering from losses is more complex than it seems. Investors should consider both market and non-market assets for retirement. Cash flow is crucial for retirement, not just rate of return. Planning for retirement requires understanding recovery rates. Market downturns can significantly affect retirement timelines. Diversifying investments can provide more flexibility in retirement. It's essential to control your retirement timing, not just rely on market performance. Understanding financial planning can help mitigate risks associated with market fluctuations.

Chapters

00:00 Introduction to Recovery Rates in Investing 02:22 Understanding Market Downturns and Recovery Rates 10:01 Strategies for Retirement Planning Post-Loss 14:56 Debunking Myths About Rate of Return and Cash Flow

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In this episode of Beer and Money, Ryan Burklo, Alex Collins, and estate planning expert Rob Bukacek discuss the intricacies of estate planning. They cover the importance of having a trust, the process of finding the right attorney, and how to prepare for meetings with legal professionals. The conversation emphasizes the need for proper documentation, the significance of choosing beneficiaries wisely, and the necessity of reviewing estate plans regularly. Listeners are encouraged to take proactive steps in their estate planning to ensure their wishes are honored and their loved ones are taken care of.

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Takeaways

Estate planning is essential for everyone, not just the wealthy. A trust can manage your assets while you're alive and incapacitated. Choosing the right attorney is crucial for effective estate planning. Prepare for your attorney meeting by knowing who will manage your finances. Consider who will inherit your assets and how to protect them. Special needs children require specific planning to maintain benefits. Review and update your estate plan regularly, especially after major life events. Having a financial advisor can help navigate the estate planning process. Communication with your attorney is key to a successful estate plan. Be proactive in your estate planning to avoid complications for your loved ones.

Chapters

00:00 Introduction to Estate Planning 02:24 Understanding Trusts and Wills 06:02 The Importance of Estate Planning Documents 11:21 Finding the Right Estate Planning Attorney 16:19 Preparing for Your Attorney Meeting 20:30 Who Gets Your Stuff? Planning for Beneficiaries 24:11 Special Considerations for Children and Heirs 27:29 Reviewing and Updating Your Estate Plan 30:51 The Role of Advisors in Estate Planning

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In this episode of Beer and Money, Ryan Burklo discusses the concept of obligations that individuals actually want to have in their lives. He emphasizes the importance of understanding personal goals beyond traditional financial aspirations, such as retirement and education for children. Ryan encourages listeners to reflect on their current obligations and how they align with their desired lifestyle, particularly in relation to family time and personal health. He shares personal anecdotes about his own experiences with work-life balance and the compromises he has made, ultimately urging listeners to consider how their financial choices can better support their values and desired lifestyle.

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Takeaways

Reflect on what obligations you truly want to have. Traditional goals may not reflect your true desires. Time with family is often sacrificed for work. Financial choices should align with personal values. Hiring help can free up time for family experiences. Health is a crucial aspect of a fulfilling life. Evaluate where you spend your time and money. Define what 'rich' means to you personally. Align your financial planning with your life goals. Involve family in discussions about financial obligations.

Chapters

00:00 Understanding Obligations and Goals 06:02 Financial Choices and Lifestyle

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In this episode of Beer and Money, Ryan Burklo discusses the critical distinction between inheritance and investment, drawing from a transformative conversation with a mentor. He emphasizes the importance of investing in children today rather than solely focusing on leaving an inheritance. The discussion highlights how experiences and values can shape financial education and generational wealth, ultimately leading to a more meaningful legacy.

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For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo

Takeaways

Inheritance is typically received after a loved one passes away. Investment is about believing in and supporting your children today. Generational wealth should focus on experiences, not just money. Investing in children can create valuable life lessons. The relationship between money and values is crucial for children. Parents may prefer to spend time with their children rather than just leaving them money. Financial education should start early to prepare children for the future. Creating a life your children are proud of is essential. Mentorship can reshape our understanding of financial planning. Engaging with children about money can foster better financial habits.

Chapters

00:00 Introduction to Inheritance vs. Investment 01:29 Defining Inheritance and Investment 03:42 The Shift in Perspective: Investing in Children 06:02 Conclusion and Call to Action

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In this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the five biggest factors of retirement planning, emphasizing the importance of income streams, asset location, liquidity, tax distribution status, and tax strategy. They challenge the conventional focus on accumulating a large nest egg and encourage listeners to consider how their savings will translate into cash flow during retirement. The conversation highlights the need for a comprehensive approach to retirement planning that goes beyond just investment returns.

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For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo

Takeaways

Retirement planning involves more than just accumulating wealth. Income streams are crucial for a successful retirement. Asset location affects tax implications and cash flow. Liquidity is essential for taking advantage of opportunities. Tax strategy can significantly impact retirement income. Understanding tax brackets is vital for effective planning. The timing of income and tax strategies matters. Diversifying assets can reduce reliance on market performance. Planning should focus on cash flow, not just net worth. Consulting with a financial advisor can clarify retirement strategies.

Chapters

00:00 Introduction to Retirement Planning Factors 03:08 The Importance of Income Streams in Retirement 06:04 Understanding Asset Location and Liquidity 09:03 Evaluating Tax Distribution Status 11:52 The Role of Tax Strategy in Retirement 25:02 Creating Cash Flow in Retirement

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In this episode of Bearing Money, Ryan Burklo and Alex Collins discuss the implications of recent election results on investment strategies. They emphasize the importance of maintaining a long-term perspective in investing, regardless of political changes. The conversation highlights the emotional aspects of investing and how fear and greed can lead to poor financial decisions. They also analyze market trends and historical data to illustrate that external factors, rather than political leadership, significantly influence market performance. The episode concludes with a call to action for listeners to reflect on their investment strategies and emotional management.

Check out our website: beerandmoney.net For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo Takeaways

Investing should be based on data, not emotions. Long-term investing is crucial for financial success. Market reactions can be influenced by external factors. Emotional investing can lead to poor decision-making. Historical data shows market resilience across political changes. Investors should focus on their entire balance sheet. A solid investment strategy is key to financial security. Fear and greed can disrupt rational investing. Understanding market trends helps in making informed decisions. It's important to have a financial plan that withstands market volatility.

Chapters

00:00 Navigating Investment Strategies Post-Election 15:08 Understanding Market Reactions and Emotional Investing

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In this episode of Beer and Money, Ryan Burklo discusses the concept of self-insurance, exploring its relevance and practicality in various scenarios. He provides examples of when self-insurance may be beneficial, such as in auto insurance and liability coverage, while also emphasizing the importance of protecting significant financial risks. The conversation highlights the balance between saving money and ensuring financial security, ultimately guiding listeners to make informed decisions about their insurance needs.

Check out our website: beerandmoney.net For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo Takeaways

Self-insurance involves funding potential damages out of pocket. Auto insurance has two main parts: coverage for the car and liability insurance. Liability insurance is crucial to protect against significant financial risks. Umbrella insurance can provide additional coverage for liability. Self-insurance may be suitable for smaller financial risks. Disability insurance is essential for protecting income. Evaluating your balance sheet is key to deciding on self-insurance. The cost of potential loss should be weighed against insurance premiums. Self-insuring can lead to significant financial consequences if risks materialize. Understanding what you're protecting is vital for financial planning.

Chapters

00:00 Understanding Self-Insurance 02:54 Evaluating Risks and Benefits of Self-Insurance 05:52 The Financial Implications of Self-Insurance 08:59 Conclusion and Key Takeaways

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In this episode of Beer and Money, Ryan Burklo discusses the importance of a cashflow management system, emphasizing the need for individuals to understand the purpose of their money and how to manage it effectively. He introduces the concept of a Wealth Building Account (WBA) to help listeners capture savings automatically and make informed decisions about their spending. The conversation highlights the impact of income growth on savings and encourages listeners to rethink their financial strategies for better wealth accumulation.

Check out our website: beerandmoney.net For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo Takeaways

Implementing a cashflow management system is crucial for building wealth. Understanding the purpose of money can lead to better financial decisions. Most people spend by default and save by decision; this should be reversed. A Wealth Building Account can help automate savings and improve financial health. Income growth should not lead to proportional increases in lifestyle expenses. Capturing even a small percentage of income can lead to significant wealth over time. It's important to have a clear process for managing incoming money. Financial awareness decreases as income increases; tracking expenses is vital. Decisions about spending should align with personal financial goals. Sharing financial knowledge can help others improve their money management.

Chapters

00:00 Introduction to Cashflow Management Systems 02:47 Understanding the Traditional Cashflow System 06:06 The Wealth Building Account Concept 11:59 The Impact of Income Growth on Savings 13:59 Conclusion and Call to Action

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In this episode of Beer and Money, Ryan Burklo and estate planning expert Rob Bukacek discuss the critical importance of estate planning, sharing personal experiences that led them to focus on this often-overlooked area of financial planning. They delve into the complexities of probate, the differences between wills and trusts, and the strategic considerations necessary for effective estate planning. The conversation highlights common mistakes individuals make in their estate plans and emphasizes the importance of retitling assets to ensure that estate plans function as intended. Listeners are encouraged to reflect on their own estate planning needs and the implications of not having a solid plan in place.

Takeaways

Estate planning is crucial for everyone, not just the wealthy. Probate can be a lengthy and costly process. Having a will does not avoid probate. Trusts can provide privacy and avoid court involvement. Strategic planning can protect heirs from potential issues. Many people mistakenly believe they can handle estate planning alone. Retitling assets is essential after creating a trust. Conversations about estate plans should involve family members. Understanding the implications of estate taxes is vital. Regularly reviewing and updating estate plans is necessary.

Chapters

00:00 Introduction to Estate Planning 01:03 Personal Experiences Shaping Estate Planning Focus 06:09 Understanding Probate and Its Implications 10:40 Wills vs. Trusts: Key Differences 14:32 Strategic Estate Planning for Heirs 20:23 Common Mistakes in Estate Planning 30:53 The Importance of Retitling Assets

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In this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the myths surrounding tax deferral, particularly the common belief that individuals will be in a lower tax bracket during retirement. They explore the implications of income growth over a career, the importance of tax planning, and strategies for managing tax efficiency in retirement. The conversation emphasizes the need for a balanced approach to retirement planning, considering both taxable and tax-free income sources.

Takeaways

Tax deferral is often misunderstood; it's not a one-size-fits-all model. Many believe they will be in a lower tax bracket in retirement, but this is not always true. Income growth during working years can lead to higher taxes in retirement. It's crucial to analyze income needs and tax implications before retirement. Managing tax efficiency can significantly impact retirement income. Tax planning should include a mix of taxable and tax-free income sources. The importance of flexibility in retirement income strategies cannot be overstated. Understanding tax brackets is essential for effective retirement planning. Many people overlook the long-term tax implications of their retirement savings strategies. It's vital to measure the difference in taxes due when considering tax deferral versus tax-free options.

Chapters

00:00 Introduction to Tax Deferral Myths 02:09 Understanding the Tax Deferred Model 04:03 Analyzing Income Growth and Retirement 08:15 Tax Implications of Retirement Income 10:10 Strategies for Managing Tax Efficiency 12:11 The Importance of Tax Planning 16:26 Conclusion and Future Strategies

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In this episode of Beer and Money, Ryan discusses the impact of presidential elections on the stock market. He explores the presidential election theory, which suggests that U.S. stock markets perform weaker in the first two years of a presidential term and peak in the third year. Ryan emphasizes the importance of looking at the bigger picture and long-term investment strategies, rather than focusing on short-term market fluctuations. He also highlights the significance of diversification, having a financial plan, and maintaining liquidity.

Key Points:

• Introduction to the presidential election theory and its impact on the stock market.
• Historical performance of the S&P 500 during different presidential terms.
• The importance of long-term investment strategies and diversification.
• The role of financial advisors in guiding investment decisions.
• The need for liquidity and access to funds during market fluctuations.

Chapters 1. 00:00:01 - Introduction

* Welcome and episode overview.

1. 00:00:49 - Presidential Election Theory

   • Explanation of the theory and its implications.

   • 00:01:15 - Historical Performance

   • Discussion of historical S&P 500 performance during presidential terms.

   • 00:02:26 - Long-Term Investment Strategies

   • Importance of long-term investment and avoiding short-term market focus.

   • 00:03:22 - Role of Financial Advisors

   • The value of consulting with financial advisors.

   • 00:04:07 - Market Trends and Political Parties

   • Analysis of market trends under different political parties.

   • 00:05:01 - Media Influence and Market Perception

   • How media narratives can impact market perception.

   • 00:05:43 - Diversification and Liquidity

   • Importance of diversification and maintaining liquidity.

   • 00:06:22 - Holistic Financial Planning

   • The need for a comprehensive financial plan.

   • 00:07:23 - Conclusion and Call to Action

   • Final thoughts and invitation to reach out for financial advice.

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In this episode of Beer and Money, hosts Ryan Burklo and Alex Collins welcome Joe Hegener, founder and CIO of Astrazola Management, to discuss the current economic landscape, particularly focusing on falling interest rates and their implications. Joe shares his extensive background in finance, including his experiences at BlackRock and PIMCO, and provides insights into the effects of zero interest rates, inflation dynamics, and the potential risks facing the market. The conversation also delves into portfolio management strategies and the importance of diversification in today's economic environment.

Takeaways

Joe Hegener has extensive experience in finance, having worked at BlackRock and PIMCO. The current economic environment is influenced by falling interest rates and inflation dynamics. Zero interest rates have created a false sense of security in the market. The Fed's actions have a lagging effect on the economy. Inflation is driven by both supply-side and demand-side factors. There are significant risks on the horizon that could impact the market. Diversification is crucial for managing portfolio risk. Investors should consider locking in gains and de-risking their portfolios. The potential for re-accelerating inflation exists as cash is deployed into the market. It's important to build a robust portfolio that can withstand various economic scenarios.

Chapters

00:00 Introduction and Guest Introduction 02:52 Joe Hegener's Background and Experience 06:00 Insights on Interest Rates and Economic Environment 08:51 The Impact of Zero Interest Rates 12:01 Current Economic Indicators and Fed's Role 15:03 Inflation Dynamics and Future Projections 18:04 Potential Risks and Market Reactions 21:13 Portfolio Management Strategies 23:56 Final Thoughts and Future Considerations

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In this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the critical topic of estate planning for parents. They explore the various challenges that arise when parents do not have proper estate planning documents in place, including tax implications, health concerns, and potential family conflicts. The hosts emphasize the importance of proactive planning and open communication between parents and their children regarding financial matters and estate planning. They also highlight the role of financial professionals in facilitating these discussions and ensuring that families are prepared for the future.

Takeaways

Estate planning is essential for avoiding future complications. Tax implications can create significant burdens for heirs. Health issues can complicate financial responsibilities for children. Open communication about estate planning is crucial. Family conflicts can arise from unclear estate documents. Proactive planning can ease the emotional burden of inheritance. Financial professionals can help mediate estate planning discussions. Understanding the intent behind estate documents is vital. It's important to know where estate documents are located. Conversations about estate planning should happen early.

Chapters

00:00 Introduction to Estate Planning for Parents 01:57 Understanding the Tax Implications of Inheritance 06:09 Health Concerns and Financial Responsibilities 09:13 Avoiding Family Conflicts Over Inheritance 11:48 Initiating Conversations About Estate Planning 15:09 The Role of Financial Professionals in Estate Planning

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In this episode, Ryan Burklo discusses the concept of risk tolerance in investing, emphasizing the importance of understanding both market risks and personal financial situations. He highlights the need for a balanced approach to investments, including the role of liquidity in a balance sheet, and how these factors play a crucial role in retirement planning. The conversation also touches on the psychological aspects of investing, such as recency bias, and the necessity of having a comprehensive view of one's financial health to make informed decisions.

Takeaways

Risk tolerance has evolved over the decades. Bonds also carry risks that are often overlooked. Liquidity is essential for a stable balance sheet. Recency bias can lead to overconfidence in investing. Understanding true risk is crucial for investment decisions. A balanced approach includes cash, stocks, and bonds. Planning for retirement requires a shift in risk tolerance. Having funds not correlated with the market is beneficial. Focus on the entire balance sheet for effective wealth management. Flexibility in financial planning allows for better decision-making.

Chapters

00:00 Understanding Risk Tolerance 02:54 The Importance of Balance in Investments 06:04 Liquidity and Balance Sheet Risk 08:59 Planning for Retirement Income 11:47 Strategies for Wealth Building

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In this episode of Beer and Money, Ryan Burklo discusses the implications of the recent Fed rate cut on personal finance. He explains how the cut affects borrowing costs and savings rates, emphasizing the importance of a long-term financial strategy. Ryan introduces the concept of having three distinct financial buckets to manage money effectively, ensuring flexibility and resilience against fluctuating interest rates. The conversation highlights the need for a balanced approach to financial planning, especially in light of changing economic conditions.

Takeaways

The Fed rate cut lowers borrowing costs but also affects savings rates. Interest rates fluctuate over time, impacting financial planning. Building a financial plan should focus on long-term stability. Having multiple financial buckets can provide flexibility and security. Short-term buckets are essential for emergency funds and immediate needs. Investment accounts can be liquid and accessible for future opportunities. Retirement accounts should be set aside for long-term use. Different tax treatments for various buckets can optimize financial outcomes. Interest rates will continue to rise and fall, requiring adaptable strategies. A balanced financial approach helps mitigate stress and uncertainty.

Chapters

00:00 Understanding the Fed Rate Cut 03:19 Building a Resilient Financial Plan 08:20 The Importance of Diversified Buckets

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In this episode, Ryan Burklo discusses the top reasons why people struggle financially. He emphasizes that these reasons are not meant to point fingers or judge, but rather to provide insights and reminders about making intentional financial decisions. The five main reasons discussed are: low income, spending too much on housing or rent, spending too much on a car, spending too much on debt, and taking extravagant vacations. The key takeaway is to align spending with personal values and live within one's means.

Takeaways

Financial struggles can happen to anyone, and it's important to approach the topic without judgment. Low income can lead to financial struggles, and it's important to find ways to increase income through side gigs or career advancement. Spending too much on housing or rent can strain finances, and it's important to consider one's lifestyle and priorities when making housing decisions. Spending too much on a car can be a financial burden, and it's important to differentiate between wants and needs when making car purchases. Having too much debt can hinder financial progress, and it's important to prioritize debt repayment and live within one's means. Taking extravagant vacations can be enjoyable, but it's important to consider the financial impact and find a balance between enjoyment and financial responsibility. The key to overcoming financial struggles is aligning spending with personal values and making intentional financial decisions.

Chapters

00:00 Introduction: Understanding Financial Struggles 02:25 Chapter 1: Low Income and Financial Challenges 05:35 Chapter 3: Making Wise Choices with Car Expenses 06:59 Chapter 4: Managing Debt and Financial Stability 08:13 Chapter 5: Finding a Balance with Vacations 09:45 Conclusion: Aligning Spending with Personal Values

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In this episode, Ryan Burklo and Alex Collins discuss the topic of trusts, specifically revocable and irrevocable trusts. They explain that a trust is like a folder where you can put assets that are owned by the trust rather than by you. They discuss the roles of the grantor, trustee, and beneficiary in a trust and the benefits of a revocable trust, such as probate avoidance and flexibility. They also explain the benefits of an irrevocable trust, including tax advantages and creditor protection. They emphasize the importance of regularly reviewing and updating estate plans.

Takeaways

A trust is like a folder where assets are owned by the trust rather than by you. Revocable trusts offer probate avoidance and flexibility, while irrevocable trusts provide tax advantages and creditor protection. Regularly review and update your estate plan to ensure it aligns with your current situation and goals. Consult with professionals, such as estate planning attorneys, financial planners, and CPAs, to create and maintain an effective estate plan.

Chapters

00:00 Introduction and Overview 02:49 Understanding Trusts: Revocable vs. Irrevocable 08:03 The Benefits of Revocable Trusts 11:35 The Advantages of Irrevocable Trusts 15:13 The Importance of Regularly Reviewing Your Estate Plan

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In this episode, Ryan Burklo discusses the tax status of retirement accounts and the importance of considering taxes when planning for retirement. He explains the different tax statuses of assets, including fully taxable, partially taxable, and non-taxable. Ryan emphasizes the preference for having a majority of assets in the non-taxable category. He explores strategies for shifting assets from taxable to non-taxable, such as asset shifting and cashflow shifting. Ryan also highlights the need to think with the end in mind and consider flexibility in retirement.

Takeaways

Consider the tax status of your retirement accounts when planning for retirement. Having a majority of assets in the non-taxable category is preferable. Strategies like asset shifting and cashflow shifting can help shift assets from taxable to non-taxable. Think with the end in mind and consider flexibility in retirement.

Chapters

00:00 Introduction: Importance of Tax Status in Retirement 01:21 Tax Status of Assets: Fully Taxable, Partially Taxable, Non-Taxable 03:24 Shifting Assets: Asset Shifting and Cashflow Shifting 06:47 Thinking with the End in Mind: Flexibility in Retirement 07:42 Conclusion: Contact for Questions and Topics

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In this episode, Ryan Burklo discusses the importance of protection in the form of property and casualty insurance. He highlights how these insurance policies often overlook the individual's net worth and income. Ryan explains the significance of umbrella insurance policies that provide additional liability coverage beyond the standard auto and home insurance policies. He also emphasizes the need to consider high-value items and schedule them on the home insurance policy. Lastly, Ryan suggests creating a video inventory of personal belongings to simplify the claims process in case of a disaster.

Takeaways

Protection of income is often overlooked but is crucial for maintaining lifestyle, goals, and dreams. Umbrella insurance policies provide additional liability coverage beyond standard auto and home insurance policies. Consider scheduling high-value items on the home insurance policy to ensure proper coverage. Create a video inventory of personal belongings to simplify the claims process in case of a disaster.

Chapters

00:00 The Importance of Protecting Your Income 01:27 Understanding Umbrella Insurance Policies 05:05 Scheduling High-Value Items on Home Insurance 07:02 Creating a Video Inventory for Claims

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In this episode, Ryan Burklo and Alex Collins discuss the importance of life insurance and how it can protect your family's financial future. They emphasize the need to consider how much life insurance to get based on the number of years of income you want to replace. The hosts use a hypothetical scenario to demonstrate the impact of life insurance on a couple's financial situation. They show that without adequate life insurance coverage, the surviving spouse may face a significant reduction in their standard of living. The episode concludes with a call to action for listeners to evaluate their own life insurance coverage and consider their family's financial needs.

Takeaways

Life insurance is essential for protecting your family's financial future Consider how many years of income you want to replace when determining the amount of life insurance coverage you need Without adequate life insurance, the surviving spouse may face a significant reduction in their standard of living Evaluate your life insurance coverage regularly to ensure it aligns with your family's financial needs

Chapters

00:00 Introduction and Welcome Back 03:05 What Are You Drinking? 05:18 The Replacement of Income 08:03 Calculating the Potential Retirement Savings 13:09 The Impact of Inadequate Life Insurance 16:06 Considering Market Rates of Return 23:04 Taking Action: Evaluating Your Life Insurance Coverage

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In this episode, Ryan Burklo discusses distribution tax strategies for retirement planning. He compares two different approaches: an interest-only approach and an amortization/spend-down strategy. He explains the tax implications of each strategy and demonstrates how the spend-down strategy can result in higher net after-tax income. Burklo emphasizes the importance of understanding tax strategies and the location of your money in order to make informed decisions about retirement planning.

Takeaways

Understanding tax strategies is crucial for maximizing net after-tax income in retirement. The interest-only approach can result in a higher risk of outliving your money. The spend-down strategy can provide higher net after-tax income, but it carries the risk of depleting your assets. The location of your money (e.g., traditional IRA, 401k) affects the tax implications of your retirement income. Having different buckets of money taxed differently allows for more tax-efficient strategies in retirement planning.

Chapters

00:00 Introduction: Distribution Tax Strategies for Financial Success 02:22 Retirement Concerns: Running Out of Money and Health Expenses 06:24 The 4% Rule: A Common Approach with Low Risk of Outliving Money 08:49 The Tax Implications of the Interest-Only Approach 09:30 The Spend-Down Strategy: Amortizing Assets for Higher Income 11:31 Tax Comparison: Interest-Only Approach vs. Spend-Down Strategy 14:30 Mitigating Risk: Combining Strategies and Asset Allocation 18:02 Creating Tax-Efficient Strategies with Different Buckets of Money 18:53 Conclusion: Understanding Tax Strategies for Retirement Planning

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In this episode, Ryan Burklo discusses the distribution of tax status as a factor that impacts financial success. He emphasizes the importance of understanding how your assets will be taxed when you retire and how that affects the net income you receive. He explains the concept using a sample client's financial balance sheet and discusses the different types of taxable and tax-free income. The goal is to have a balanced pie chart with a mix of partially taxable, fully taxable, and non-taxable income. Ryan encourages listeners to think with the end in mind and seek guidance from advisors who can help with long-term tax planning. To learn more about Quantified Financial Partners, please visit our website ww.beerandmoney.net

Takeaways

Understanding how your assets will be taxed when you retire is crucial for maximizing your net income. A balanced pie chart with a mix of partially taxable, fully taxable, and non-taxable income is ideal. CPAs are helpful for managing taxes in the present, but it's important to work with advisors who can also help with long-term tax planning. Thinking with the end in mind and considering the tax implications of your financial decisions can lead to a more stress-free and financially secure life.

Chapters

00:00 Introduction and Recap of Previous Episodes 02:01 Understanding the Sample Client's Financial Balance Sheet 06:30 Considering Lifestyle and Income in Retirement 09:12 Desired Balance in the Pie Chart 10:29 The Role of Advisors in Long-Term Tax Planning 11:43 Conclusion and Call to Action

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In this episode, Ryan Burklo and Alex Collins discuss the factors that impact financial success, focusing on the location and liquidity of wealth. They explain that most people have two buckets of money: savings and retirement accounts. However, they emphasize the importance of having a midterm bucket, which provides liquidity and flexibility for life events and goals. They discuss the characteristics of each bucket and the need for balance and tax efficiency. They also introduce the concept of true liquidity, which involves having money in a separate account that is not correlated with the market. They provide examples and calculations to illustrate the benefits of having a midterm bucket and true liquidity. If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

Takeaways

The location of wealth can be more important than the amount of wealth. Having multiple buckets of money with different tax treatments and liquidity levels is crucial for financial success. A midterm bucket provides liquidity and flexibility for life events and goals. True liquidity involves having money in a separate account that is not correlated with the market. Balancing risk and tax efficiency is key when allocating money across different buckets.

Chapters

00:00 Introduction 01:45 The Location of Wealth 03:29 The Importance of a Midterm Bucket 04:19 Understanding True Liquidity 07:28 Balancing Risk and Tax Efficiency 11:21 Maximizing Financial Success

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In this episode, Ryan Burklo and Alex Collins discuss the five factors that impact financial success. They focus on the first factor, which is the amount of wealth. While many people believe that the size of their assets is the most important factor, the hosts argue that it is actually one of the smallest factors when it comes to the efficiency of assets. They provide an example to illustrate this point, showing that the rate of return and distribution method have a greater impact on income in retirement. The hosts emphasize the importance of considering all five factors and creating financial balance. If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

Takeaways

The amount of wealth is just one of the five factors that impact financial success. The rate of return and distribution method have a greater impact on income in retirement. Creating financial balance is important, considering all five factors and finding appropriate amounts for each. Legacy and the fear of running out of money are important considerations in retirement planning.

Chapters

00:00 Introduction and Beer Talk 03:01 The Impact of the Amount of Wealth 07:31 Rate of Return and Income in Retirement 10:48 Guaranteed Distribution in Retirement 13:55 The Importance of the Other Four Factors 16:03 Conclusion

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In this episode, Ryan Burklo and Alex Collins discuss risk and volatility in investment portfolios. They emphasize the importance of investing for future income and the need to get the allocation and risk profile right. They explore the concept of volatility and how it relates to the movement of money in investment accounts. They also discuss the traditional two-legged stool model of investing in stocks and bonds, and the need to bring back a three-legged stool model that includes cash. They highlight the flexibility and choice that cash provides in managing unexpected expenses and investment opportunities. The episode concludes with a question for listeners about the number of legs in their financial stool. If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

Takeaways

Investing is important for future income and financial security. Getting the allocation and risk profile right is crucial. Volatility refers to the movement of money in investment accounts. The traditional two-legged stool model of investing in stocks and bonds may not provide enough flexibility and choice. Including cash in the investment portfolio can provide a buffer and allow for better allocation and risk management. Having cash on hand is essential for managing unexpected expenses and investment opportunities.

Chapters

00:00 Introduction and Importance of Investing 02:28 Investing in 401k and Risk Profile 07:42 Understanding Bonds and Volatility 09:34 The Importance of Cash in Allocation 13:03 Flexibility and Choice Provided by Cash 15:23 Managing Unexpected Expenses and Investment Opportunities

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In this episode, Ryan Burklo and Alex Collins discuss the concept of net rate of return and its impact on investment portfolios. They explore the real rate of return, inflation, asset allocation, and the importance of balance sheet allocation. The conversation delves into the significance of understanding and combating inflation to achieve long-term financial goals. If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

Takeaways

Understanding the real rate of return is crucial for evaluating the true performance of an investment portfolio. Inflation erodes the purchasing power of money, making it essential to combat inflation through strategic asset allocation. Balance sheet allocation and risk profile play a significant role in achieving a favorable rate of return. The composition of the portfolio, including promise-based assets and market-based assets, impacts the overall risk and return profile. The conversation emphasizes the importance of considering the entire balance sheet and not just individual accounts when evaluating investment strategies.

Chapters

00:00 Understanding Net Rate of Return and Inflation Impact 02:51 Strategic Asset Allocation for Combatting Inflation 06:11 The Role of Balance Sheet Allocation in Rate of Return 09:05 Composition of Promise-Based and Market-Based Assets 11:56 Evaluating Investment Strategies Beyond Individual Accounts

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In this conversation, Alex Collins discusses different strategies for funding a child's education. He explores the limitations of 529 plans and suggests alternative methods such as using real estate investments, cash value from life insurance policies, and Roth IRAs. The goal is to provide flexibility and options for funding education while also teaching children important life skills. It is important to work with professionals and consider various factors such as cash flow, liquidity, and taxes.

If you would like to learn more about Quantified Financial Partners, please visit our website https://www.beerandmoney.net

Takeaways

529 plans are a common choice for education funding, but they have limitations and lack flexibility. Using real estate investments can provide a multi-use dollar and teach children valuable life skills. Cash value from permanent life insurance policies can be used to fund education. Roth IRAs can also be used for higher education, but caution is needed and professional advice should be sought. It is important to consider factors such as cash flow, liquidity, and taxes when planning for education funding.

Chapters

00:00 Introduction and Favorite Beer 01:29 Limitations of 529 Plans 04:44 Using Real Estate Investments 06:21 Utilizing Cash Value from Life Insurance Policies 09:43 Considering Roth IRAs for Higher Education 11:15 Factors to Consider in Education Funding 14:17 Importance of Flexibility and Professional Advice 15:51 Encouragement for Questions and Feedback 16:10 Closing Remarks

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In this episode, Ryan Burklo and Alex Collins discuss the concept of net rate of return and its impact on investment portfolios. They explore the real rate of return, inflation, asset allocation, and the importance of balance sheet allocation. The conversation delves into the significance of understanding and combating inflation to achieve long-term financial goals.

Takeaways

Understanding the real rate of return is crucial for evaluating the true performance of an investment portfolio. Inflation erodes the purchasing power of money, making it essential to combat inflation through strategic asset allocation. Balance sheet allocation and risk profile play a significant role in achieving a favorable rate of return. The composition of the portfolio, including promise-based assets and market-based assets, impacts the overall risk and return profile. The conversation emphasizes the importance of considering the entire balance sheet and not just individual accounts when evaluating investment strategies.

Chapters

00:00 Understanding Net Rate of Return and Inflation Impact 02:51 Strategic Asset Allocation for Combatting Inflation 06:11 The Role of Balance Sheet Allocation in Rate of Return 09:05 Composition of Promise-Based and Market-Based Assets 11:56 Evaluating Investment Strategies Beyond Individual Accounts

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In this episode, Ryan Burklo discusses tax brackets and how they work. He explains the difference between marginal and effective tax rates and emphasizes the importance of understanding how taxes work when deciding where to put your money. Burklo provides an example of tax brackets for a married filing jointly tax code and calculates the total tax amount due. He also discusses the implications of different types of accounts, such as qualified accounts and Roth accounts, on taxes. Burklo concludes by highlighting the importance of considering tax strategies for retirement and the difference between growing wealth and distributing wealth in terms of taxation.If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

Takeaways

Understanding tax brackets and how they work is crucial for making informed financial decisions. Different types of accounts, such as qualified accounts and Roth accounts, have different tax implications. Considering tax strategies for retirement is important to mitigate tax liabilities. Growing wealth and distributing wealth have different implications in terms of taxation.

Chapters

00:00 Introduction: Demystifying Tax Brackets 06:39 Choosing the Right Accounts

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In this episode, Ryan Burklo discusses the importance of true liquidity in retirement. He explains that while pre-retirement, short-term volatility can be addressed due to a longer time horizon, withdrawals from market-based assets in retirement can compound the effect of market losses and increase the risk of running out of money. Burklo provides an example to illustrate this concern. He suggests setting up a true liquidity fund alongside retirement accounts to have access to funds that are not correlated with the market. Burklo emphasizes the need to set up this fund prior to retirement to manage risks and live a more comfortable life. If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

Takeaways

True liquidity is important in retirement to avoid compounding the effect of market losses and increase the risk of running out of money. Setting up a true liquidity fund alongside retirement accounts provides access to funds that are not correlated with the market. It is crucial to set up the true liquidity fund prior to retirement to manage risks and live a more comfortable life. Having different access to money with different risk profiles gives flexibility in both pre-retirement and retirement.

Chapters

00:00 Introduction: The Importance of True Liquidity in Retirement 04:32 Setting Up a True Liquidity Fund for Retirement

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In this episode, Ryan Burklo and Alex Collins discuss the taxation component of net after-tax rate of return. They emphasize the importance of understanding the impact of taxes on investment returns over a long period of time. They use a visual representation to show the difference between gross and net growth of an investment portfolio after taxes. They highlight the significant impact that taxes can have on the final value of assets and the importance of considering taxation when making investment decisions. They also tease the next episode, where they will discuss strategies to increase cash flow in retirement while decreasing taxation.

Takeaways

Understanding the impact of taxes on investment returns is crucial for long-term financial planning. Taxes can significantly reduce the net growth of an investment portfolio. Considering taxation when making investment decisions is important to maximize after-tax returns. Strategies to increase cash flow in retirement while decreasing taxation can have a significant impact on financial well-being.

Chapters

00:00 Introduction: Net After-Tax Rate of Return 02:36 The Importance of Considering Taxes in Investment Returns 06:54 Gross Growth vs. Net Growth: The Impact of Taxes 10:08 Strategies for Maximizing After-Tax Returns 13:02 Teaser: Increasing Cash Flow and Decreasing Taxation in Retirement 14:34 Question of the Day: Strategies for Increasing Cash Flow and Decreasing Taxation

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Tyler Graham, a coach for dads with young kids, shares his journey and insights on intentional fatherhood. He started posting on LinkedIn about leadership and non-anxious presence, but found that his posts about fatherhood generated more engagement. Tyler emphasizes the importance of creating a space for dads to talk about the challenges and struggles of fatherhood, as many dads feel alone in navigating these issues. He helps dads prioritize their time and energy by aligning their actions with their values and vision for fatherhood. Tyler introduces the BURN-Untamed framework, which focuses on heat (vision), oxygen (creating space), and fuel (rhythms and systems) to help dads live sustainably and wholeheartedly as fathers. Tyler Graham emphasizes the importance of valuing family time and prioritizing the dinner table. He shares how he and his wife made adjustments and decisions to ensure they have quality time together as a family. They prioritize their family values and align their schedules to make it happen. Tyler also discusses the significance of being on the same page with your spouse and holding each other accountable. He suggests having regular conversations and date nights to stay connected. Tyler encourages dads to start where they are and take small, sustainable steps towards intentional and wholehearted fatherhood. To learn more about Tyler, please visit his website www.burnuntamed.com

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

Takeaways

Creating a space for dads to talk about the challenges and struggles of fatherhood is important, as many dads feel alone in navigating these issues. Aligning actions with values and vision helps dads prioritize their time and energy. The BURN-Untamed framework (heat, oxygen, fuel) can help dads live sustainably and wholeheartedly as fathers. Having conversations with your spouse about values and vision for fatherhood is crucial for alignment and creating a strong foundation for intentional fatherhood. Value family time and prioritize the dinner table Align schedules and make decisions that support family values Be on the same page with your spouse and hold each other accountable Have regular conversations and date nights to stay connected Start where you are and take small, sustainable steps towards intentional fatherhood

Chapters

00:00 Introduction and Background 03:36 The Importance of Talking About Fatherhood 08:33 The Challenges Dads Face 11:19 Aligning Actions with Values and Vision 14:15 The BURN-Untamed Framework 23:00 Aligning Schedules and Making Decisions 24:33 Being on the Same Page with Your Spouse 29:20 Family as a Team 31:16 Regular Conversations and Date Nights 33:59 Taking Small, Sustainable Steps

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In this episode, Ryan Burklo and Alex Collins discuss the challenge of turning variable assets into a consistent income stream in retirement. They emphasize the importance of making efficient choices today to set oneself up for flexibility in the future. They explore the concept of promised-based assets, such as Social Security and pensions, which provide a steady income stream, and compare them to market-based assets, like stocks and bonds, which can be more volatile. They also discuss the risks of relying solely on market-based assets and the benefits of incorporating promised-based assets into one's retirement plan. The conversation highlights the need to consider the entire picture and balance one's portfolio between market-based and promised-based assets.

Takeaways

Making efficient choices today can set you up for more flexibility in retirement. Promised-based assets, such as Social Security and pensions, provide a steady income stream. Market-based assets, like stocks and bonds, can be more volatile and may not produce consistent income in retirement. Balancing your portfolio between market-based and promised-based assets can help mitigate risk and provide more financial security in retirement.

Chapters

00:00 Introduction 06:16 Understanding Single Point of Failure in Retirement Planning 13:09 Balancing Your Portfolio: Incorporating Promised-Based Assets 26:30 Question of the Day

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In this episode, Ryan Burklo and Alex Collins discuss the importance of expanding financial knowledge beyond personal experiences. They highlight the influence of personal experiences on financial decision-making and the need to seek advice from professionals with broader expertise. The conversation emphasizes the significance of continuous learning and staying curious to challenge and update existing beliefs. They also stress the importance of looking at the entire financial picture and avoiding silo decision-making. The three main takeaways are: 1) Work with someone who has extensive financial knowledge and experience, 2) Continually learn and stay curious, and 3) Consider the entire financial picture and avoid relying on one-size-fits-all solutions.

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

Takeaways

Work with someone who has extensive financial knowledge and experience Continually learn and stay curious Consider the entire financial picture and avoid relying on one-size-fits-all solutions

Chapters

00:00 Introduction and Personal Experiences with Finance 02:30 The Influence of Personal Experiences on Financial Decision-Making 08:32 Challenging Existing Beliefs and Seeking Knowledge 13:22 Continuous Learning and Staying Curious 19:45 Question of the Day and Conclusion

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In this episode, Ryan and Alex discuss five wealth objectives that everyone has but are often not properly planned for. These objectives include creating the highest possible cashflow, creating the lowest possible tax, never running out of money, meeting legacy objectives, and minimizing risk. They emphasize the importance of planning for these objectives in a comprehensive and efficient manner, rather than solely focusing on a target net worth or rate of return. The hosts also highlight the significance of budgeting as a tool for financial freedom and stress the need to tailor financial plans to individual circumstances. If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

Takeaways

The five wealth objectives that everyone has are creating the highest possible cashflow, creating the lowest possible tax, never running out of money, meeting legacy objectives, and minimizing risk. Many people do not plan for these objectives in a comprehensive and efficient manner, instead focusing on a target net worth or rate of return. Budgeting can be a tool for financial freedom, allowing individuals to allocate a portion of their income towards their goals and enjoy the rest. Financial plans should be tailored to individual circumstances, taking into account factors such as risk tolerance, income sources, and legacy objectives.

Chapters

00:00 Introduction 00:55 Five Wealth Objectives 04:28 Creating the Lowest Possible Tax 04:35 Never Running Out of Money 04:43 Meeting Legacy Objectives 05:49 Minimizing Risk 08:16 Focusing on the Wrong Things 12:11 Budgeting as Freedom 13:20 Spending Time Where You Want 15:09 The Single Point of Failure 19:18 The Average Rate of Return Fallacy 21:31 Tailoring the Plan to the Individual 21:40 Question of the Day 22:15 Conclusion

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In this episode, Ryan Burklo discusses the single biggest factor that contributes to financial success: managing cashflow. He highlights the flawed cashflow management system that most people have, where income increases are often accompanied by lifestyle inflation. Using a 30-year time horizon and a 5% average income increase, Ryan demonstrates how a 1% difference in lifestyle inflation can significantly impact wealth accumulation. By managing cashflow and keeping lifestyle inflation in check, individuals can save and invest more, leading to a substantial increase in their nest egg over time.

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

Takeaways

Managing cashflow is the single biggest factor for financial success. Most people have a flawed cashflow management system that leads to lifestyle inflation. A 1% difference in lifestyle inflation can have a significant impact on wealth accumulation over time. By monitoring and managing cashflow, individuals can save and invest more, leading to a larger nest egg.

Chapters

00:00 Introduction: The Single Biggest Factor for Financial Success 00:31 The Flawed Cashflow Management System 01:25 The Impact of Income and Lifestyle 05:21 The Power of Saving and Investing 07:01 The Role of Lifestyle Inflation 08:01 Managing Cashflow with a Wealth Building Account 09:55 The Impact of a 1% Difference in Lifestyle 11:04 The Key Ingredient for Financial Success 11:56 Conclusion: The Importance of Monitoring and Managing Lifestyle

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In this episode, Ryan Burklo discusses investment portfolios and the importance of diversification and asset classes. He introduces a tool for analyzing the performance of different asset classes over a 50-year period. Burklo highlights the potential growth of portfolios invested in asset classes such as US small value stocks. He emphasizes the challenge of predicting which asset class will perform the best in any given year and the need for a diversified portfolio. Burklo encourages listeners to analyze their own portfolios and consider the asset classes they are invested in.

To learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

Takeaways

Diversification across different asset classes is crucial for long-term investment success. Asset classes such as US small value stocks have shown significant growth over time. Attempting to predict the best-performing asset class in any given year is nearly impossible. Investors should regularly analyze their portfolios to ensure they are properly diversified.

Chapters

00:00 Introduction and Overview 01:26 Tool for Analyzing Asset Classes 03:17 The Importance of Diversification 04:17 Exploring Different Asset Classes 05:15 The Challenge of Predicting Asset Class Performance 06:19 Understanding Portfolio Diversification 07:52 Analyzing Your Own Portfolio 08:22 Conclusion and Call to Action

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In this episode, Ryan Burklo and Alex Collins discuss alternative investments and whether or not they are suitable for individual investors. They define alternative investments as those that do not fall into traditional categories like stocks, bonds, and cash. The hosts explain the concepts of correlation and standard deviation and how they relate to risk and diversification. They emphasize the importance of having a solid financial foundation, including an emergency fund, income protection, and liquidity, before considering alternative investments. The episode concludes with a reminder to prioritize balance sheet management before making investment choices.

To learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

Takeaways

Alternative investments are investment vehicles that do not fall into traditional categories like stocks, bonds, and cash. Understanding correlation and standard deviation is crucial for assessing the risk and diversification potential of alternative investments. Before investing in alternative investments, it is important to have a solid financial foundation, including an emergency fund, income protection, and liquidity. Net worth and accredited investor status may impact access to certain alternative investments.

Chapters

00:00 Introduction and Beer of the Day 00:36 Definition of Alternative Investments 04:07 Correlation and Standard Deviation 05:26 Benefits of Negative Correlation 07:10 Understanding Risk and Standard Deviation 09:18 Considerations Before Investing in Alternative Investments 10:25 Importance of Emergency Fund 11:10 Protection of Income 12:01 Liquidity and Access to Money 13:48 Net Worth and Accredited Investor Status 15:06 Alternative Investments and Balance Sheet 21:42 Access to Alternative Investments 23:33 Question of the Day and Conclusion

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In this episode, Ryan Burklo discusses the four factors that impact financial success: the amount of wealth, location of wealth, true liquidity ratio, and taxes. He emphasizes the importance of considering these factors when planning for retirement and making financial decisions. Ryan also highlights the significance of controlling cash flow and spending money on things that are valued. By understanding and optimizing these factors, individuals can improve their financial well-being and achieve their desired lifestyle.

Takeaways

The amount of wealth is important for financial flexibility, but it is not the only factor that impacts financial success. The location of wealth, such as tax-deferred accounts and real estate, can have significant implications for retirement income and taxation. True liquidity, which involves having access to money without high taxes and fees, provides flexibility and peace of mind in retirement. Understanding and managing taxes is crucial for optimizing financial outcomes and minimizing tax liabilities. Controlling cash flow and spending money on things that are valued is essential for long-term financial success.

Chapters

00:00 Introduction 00:27 Factors that Impact Financial Success 01:25 Impact #1: Amount of Wealth 03:19 Impact #3: True Liquidity Ratio 04:46 Impact #4: Taxes 20:12 Conclusion

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In this episode, Ryan Burklo interviews Katie Ludwick, an estate planning attorney, about estate planning. They discuss the potential changes to the federal estate tax, the Washington state estate tax, and the importance of proactive planning. They also explore estate planning techniques for minimizing taxes and ensuring liquidity. The conversation highlights the pitfalls of online estate planning services and emphasizes the need for personalized advice from an attorney. They conclude by stressing the importance of estate planning for young adults. The conversation emphasizes the importance of estate planning and the potential consequences of not having a plan in place. It highlights the need for holistic financial planning and the importance of communication between different professionals involved in the planning process. The conversation also discusses the dangers of following misguided advice and the importance of reviewing estate planning documents during significant life events. Ultimately, the focus is on planning for the future and ensuring that loved ones are not burdened with unnecessary complications.

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

If you would like to reach out to Katie Ludwick, you can visit her website at https://ludwicklawgroup.com

Takeaways

Stay informed about potential changes to the federal estate tax and consult with an estate planning attorney to determine the best course of action. Be aware of the Washington state estate tax and consider strategies to minimize its impact, such as creating trusts or making charitable donations. Ensure liquidity in your estate plan to cover taxes, debts, and other expenses by considering life insurance and other financial tools. Avoid relying solely on online estate planning services, as they may not provide the personalized advice and attention to detail necessary for a comprehensive plan. Start estate planning early, even for young adults, to ensure that your wishes are carried out and to alleviate stress for your loved ones in the event of incapacity or death.

Chapters

00:00 Introduction and Beer Talk 03:07 Federal Estate Tax Changes 07:30 Washington State Estate Tax 10:14 Estate Planning Questions 11:44 Estate Planning Techniques for Washington State 19:11 Importance of Liquidity in Estate Planning 23:09 Online Estate Planning vs. Working with an Attorney 28:19 Difference Between a Will and a Trust 32:34 Importance of Estate Planning for Young Adults 39:14 The Importance of Estate Planning 40:30 The Need for Holistic Financial Planning 41:35 The Shift Towards Holistic Planning 42:41 The Consequences of Communication Gaps 43:23 The Danger of Misguided Advice 44:27 When to Review Estate Planning Documents 46:10 Planning for the Future of Your Loved Ones

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In this episode, Ryan Burklo and Alex Collins discuss the metrics for analyzing financial health. They introduce the concept of top line being vanity, bottom line being sanity, and cash flow being reality. They emphasize the importance of measuring free cash flow, liquidity, and income protection to determine financial security. The hosts also challenge the traditional focus on rate of return as a metric and highlight the significance of control in financial decision-making. The episode concludes with a question for listeners to reflect on their own financial health metrics.

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

Chapters

00:00 Introduction and Welcome 00:36 Metrics for Financial Health 04:02 Applying the Concept to Personal Finance 09:42 Metric 1: Free Cash Flow 14:42 Metric 2: Liquidity 24:49 Rate of Return as a Metric 27:01 The Importance of Control 27:57 Question of the Day 28:39 Closing Remarks

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In this episode, Ryan Burklo and Alex Collins discuss the importance of knowing who you don't want to be in order to become the person you want to be. They explore the default path that many people follow and the need to break free from societal expectations. The conversation delves into the definition of success and the trap of focusing too much on money. They emphasize the importance of reevaluating goals and creating lasting memories with loved ones. The episode concludes with a question for listeners to consider and an invitation to reach out with their thoughts and topics of interest.

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

Takeaways

Knowing who you don't want to be can help you define and attain your goals. Focusing on the positive aspects of life and relationships is more fulfilling than chasing material possessions. Reevaluating goals and priorities is essential at any stage of life. Creating lasting memories with loved ones should be a priority.

Chapters

00:00 Introduction 00:38 The Default Path 01:34 Becoming the Person You Want to Be 02:10 Beer Discussion 03:10 Defining Success 04:15 Reevaluating Goals 05:12 The Trap of Money 06:05 Focusing on the Positive 08:12 Knowing What You Don't Want 10:39 Creating Lasting Memories 13:06 Defining Success and Goals 15:02 Figuring Out What You Want 19:24 Who Do You Want to Be 22:47 Recap of Reasons 23:11 Question of the Day 24:10 Closing Remarks

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In this episode, Ryan Burklo and Alex Collins discuss the importance of tracking cash flow and steps to attain financial goals. They emphasize the need to understand abstract goals and how expenses play a role in achieving them. The hosts also highlight the use of technology in tracking expenses and recommend the Living Balance Sheet app. They discuss the importance of intentional decision-making when it comes to saving and investing money. Finally, they touch on the significance of protecting income, maintaining liquidity, and living debt-free.

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

If you would like to learn more about the Living Balance Sheet, please visit their website https://www.thelivingbalancesheet.com/

Takeaways

Understanding abstract goals and how expenses contribute to achieving them is crucial for financial success. Technology, such as the Living Balance Sheet app, can help track expenses and provide insights into spending habits. Intentional decision-making is key when it comes to saving and investing money. Protecting income, maintaining liquidity, and living debt-free are important steps in attaining financial goals.

Chapters

00:00 Introduction 00:33 Abstract Goals and Expenses 04:17 Tracking Expenses with Technology 09:54 Deciding Where to Put Extra Money 13:52 Steps to Attain Financial Goals

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In this episode, Ryan Burklo and Alex Collins discuss the impact of fixed interest rates on financial decisions. They explore how low interest rates can make people feel trapped in their current situations, whether it's buying a new home or making big purchases like cars. The hosts provide three solutions for homeowners, including renting, buying down the interest rate, or managing cashflow. They also discuss the importance of looking at the bigger picture when it comes to interest rates and financial moves. Finally, they emphasize the need to focus on long-term goals and not get caught up in short-term fluctuations.

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

Takeaways

Low interest rates can make people feel trapped in their current situations. Homeowners have options like renting, buying down the interest rate, or managing cashflow. When it comes to car loans, consider the interest rate and the potential return on your cash. Focus on the bigger picture and long-term goals when making financial decisions.

Chapters

00:00 Introduction and Beer Choices 01:48 Feeling Trapped by Low Interest Rates 06:51 Options for Homeowners 09:35 Managing Cashflow for Mortgages and Car Loans 17:37 The Bigger Picture: Retirement and Financial Freedom 23:01 Question of the Day and Conclusion

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In this episode, Ryan and Alex discuss why you don't plan for your finances the way that you should.

The beer of the day is Nothing But Hazy by Black Raven Brewing. If you would like to learn more about this beer, please visit their website https://blackravenbrewing.com/pages/on-tap

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan Burklo discusses the formula for vision and how it applies to personal finance. He shares his experience with the 75 Hard program and how it has pushed him to think differently about himself and his finances. The formula for vision consists of having a target or goal, a belief in your ability to achieve it, a plan, and a willingness to explore multiple pathways. Ryan emphasizes the importance of understanding your true definition of wealth and being flexible in adapting your plan when life throws unexpected challenges. He encourages listeners to reach out with questions and topics they would like to hear more about.

To learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

Takeaways

Personal growth and mindset are crucial in financial planning. The formula for vision includes having a target or goal, a belief in your ability to achieve it, a plan, and a willingness to explore multiple pathways. Defining wealth based on your own values and priorities is essential. Believing in your ability to achieve your goals is a key factor in success. Being open to exploring different paths and adapting your plan is necessary when facing challenges. Reach out for guidance and support in your financial journey.

Chapters

00:00 Introduction and Personal Growth 01:26 The Formula for Vision 03:17 Defining Wealth and Goals 04:23 Belief in Achieving Goals 05:55 Willingness to Explore Multiple Pathways 06:12 Modifying the Plan 06:42 Conclusion and Call to Action

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Summary

In this episode, Ryan Burklo and Alex Collins discuss the number one problem for most people with their personal finances: cash flow. They explore the default cash flow management system that most people use, where income goes directly into a checking account and expenses are paid from there. They highlight the importance of interrupting the spending circuit and building a reserve to cover one-time expenses. They also discuss the power of saving rates and how incremental changes and systematic savings can lead to significant wealth accumulation over time.

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

Takeaways

Cash flow is the number one problem for most people with their personal finances. The default cash flow management system involves income going into a checking account and expenses being paid from there. Interrupting the spending circuit and building a reserve are key strategies for improving cash flow. Incremental changes and systematic savings can lead to significant wealth accumulation over time.

Chapters

00:00 Introduction 03:10 The Problem: Cash Flow 06:13 Default Cash Flow Management 08:14 Interrupting the Spending Circuit 10:23 Building a Reserve 12:14 The Power of Saving Rates 15:02 Incremental Changes and Systematic Savings 17:31 Question of the Day

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In this episode, Ryan Burklo discusses how going for a walk can help improve your finances. He shares his personal experience of struggling to find time for communication with his spouse and how they decided to go for a walk every morning to spend quality time together. This simple routine allowed them to have conversations about their day, their children, and eventually led to discussions about their finances. They realized the need to get their finances in order and started working on it. Ryan emphasizes the importance of making health and finances a priority and finding time to have conversations with your spouse to come together as a team.

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

Takeaways

Going for a walk can provide an opportunity for quality time and communication with your spouse. Regular conversations during walks can lead to discussions about important topics like finances. Prioritizing health and finances can lead to a better overall quality of life. Finding time and making it a priority is essential for improving your financial situation.

Chapters

00:00 Struggling to Find Time for Communication 01:27 The Power of Going for a Walk 02:24 Realizing the Need to Get Finances in Order 03:53 Making Health and Finances a Priority 04:32 Finding Time and Prioritizing 05:08 Identifying Priorities and Automating Finances 06:25 Having Conversations and Coming Together as a Team 07:24 Continuing to Work on Being on the Same Page

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Summary

In this episode, Ryan Burklo and Alex Collins continue their discussion on turning assets into income in retirement. They emphasize the importance of understanding this process early on, even if retirement is still far away. The conversation covers various tax reduction strategies, including the use of investment dollars and annuitization of assets. They also highlight the need for balance and flexibility in retirement planning, as well as the limitations and considerations of different strategies. The episode concludes with a discussion on the 4% rule and the importance of understanding the difference between distribution rate and rate of return.

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

If you would like to learn more about the beer of the day, Lucille by Georgetown Brewery, please visit their website https://georgetownbeer.com/beer/details/lucille

Takeaways

Understanding how to turn assets into income is crucial for retirement planning. Tax reduction strategies can help maximize income and minimize taxes in retirement. Balancing different types of assets and considering liquidity and legacy value is important. The 4% rule is a rule of thumb for retirement income, but it's not a guarantee.

Chapters

00:00 Introduction and Purpose of the Series 01:09 Challenges of Turning Assets into Income 03:07 Overview of Taxes and Strategies 06:44 Tax Reduction Strategy: Investment Dollars 07:42 Tax Reduction Strategy: Annuity of an Asset 09:43 Considerations and Limitations of Annuity Strategy 12:20 Comparison of Different Asset Amounts 14:06 Alternative Strategy: Utilizing Fixed Account 16:07 Importance of Balance and Flexibility in Retirement Planning 16:37 Question of the Day 17:33 Understanding the 4% Rule 18:13 Conclusion and Final Thoughts

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In this episode, Ryan Burklo and Alex Collins discuss how money is taxed in retirement. They emphasize the importance of considering both current and future taxation when making financial plans. They provide a historical overview of federal income tax brackets and highlight the impact of major events on tax rates. The hosts also explain the difference between marginal and effective tax rates. They introduce the concept of the amortization of an asset strategy and compare the outcomes of interest-only and principal-and-interest approaches. The episode concludes with key takeaways and a question for listeners to consider.

The beer of the day is Enchantments Hazy IPA from Icicle Brewery. If you would like to learn more about this beer, please visit their website https://iciclebrewing.com/beers/enchantments-hazy-ipa-apex/

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

Takeaways

Consider both current and future taxation when making financial plans. Understand the historical context of federal income tax brackets and how they have changed over time. Differentiate between marginal and effective tax rates. Explore strategies like the amortization of an asset to optimize tax efficiency in retirement. Diversify your assets to have flexibility and access to different tax strategies.

Chapters

00:00 Introduction and Mindset 03:10 Understanding Taxes in Retirement 05:03 History of Federal Income Tax Brackets 10:21 The Introduction of 401(k) and Tax-Deferred Accounts 13:01 Marginal vs. Effective Tax Rates 15:08 Amortization of an Asset Strategy 19:36 Scenario Comparison: Interest Only vs. Principal and Interest 22:40 Scenario Comparison with Reduced Asset Value 26:17 Takeaways and Question of the Day

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Summary

In this episode, Ryan Burklo and Alex Collins discuss the concept of true liquidity and its importance in retirement planning. They explain that true liquidity goes beyond cash reserves and savings, and involves considering what assets will be accessible and how to turn them into income during retirement. They highlight the risks of relying solely on market-based assets for income in retirement and the potential for compounding losses. The hosts introduce the concept of true liquidity as a way to mitigate these risks by having a separate bucket of money that is not correlated with the market. They provide examples and calculations to illustrate the impact of true liquidity on retirement outcomes. They emphasize the need to start building true liquidity before retirement to ensure flexibility and avoid relying on market performance during critical years.

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

Takeaways

True liquidity goes beyond cash reserves and savings and involves considering what assets will be accessible and how to turn them into income during retirement. Relying solely on market-based assets for income in retirement can lead to compounding losses and increase the risk of running out of money. True liquidity can be achieved by having a separate bucket of money that is not correlated with the market, providing stability and flexibility in retirement. Building true liquidity should be started before retirement to ensure flexibility and avoid relying on market performance during critical years.

Chapters

00:00 Introduction 00:36 Misunderstanding of Liquidity 02:31 Planning for Retirement 03:12 Explanation of True Liquidity 07:14 Effects of Market Losses in Retirement 08:11 Concept of True Liquidity 10:07 Example of Market Performance 13:35 Importance of Pre-Retirement Liquidity 19:13 Building True Liquidity 21:24 Question of the Day

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Summary

In this episode, Ryan Burklo and Alex Collins discuss investment philosophy and the different approaches to investing. They cover three main styles: active management, passive management, and structured management. They also touch on the importance of investment structure and aligning investments with personal values. The hosts emphasize the need for a balanced approach to investing and setting up a solid financial foundation.

Takeaways

Understanding your investment philosophy is crucial for making informed investment decisions. Active management involves hiring an asset manager to make investment decisions based on market analysis. Passive management focuses on index investing and diversification. Structured management combines aspects of active and passive management to create a diversified and efficient portfolio. Investment structure and aligning investments with personal values are important considerations in building a portfolio. Setting up a solid financial foundation and having a balanced approach to investing is key for long-term success.

Chapters

00:00 Introduction to Investment Philosophy 05:33 Active Management 09:51 Passive Management 13:51 Structured Management 20:41 Investment Structure 21:38 Values in Investing 23:23 Setting Up Your Balance Sheet 27:13 Question of the Day

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In this episode, Ryan Burklo discusses five ways to build wealth and maximize life. He emphasizes the importance of spending money on items that truly matter, focusing on what can be controlled, protecting income and family's wealth, creating lasting connections with family, and limiting phone use when with family. These strategies serve as reminders to prioritize what is truly important and make intentional choices.

Spend money on items that you truly care about and use the 80-20 rule to allocate your finances. Focus on what you can control, such as your savings rate and personal values, rather than worrying about unpredictable market returns.

Protect your income and family's wealth from potential threats through insurance, legal documents, and estate planning. Create lasting connections with your children, spouse, and parents by prioritizing quality time and meaningful experiences. Limit phone use when spending time with family to foster better communication and engagement.

Chapters

00:00 Introduction and Personal Connection 01:23 Chapter 1: Spend Money on What You Care About 03:19 Chapter 2: Focus on What You Can Control 04:42 Chapter 3: Protect Your Income and Family's Wealth 06:47 Chapter 4: Create Lasting Connections with Family 09:32 Chapter 5: Limit Phone Use When with Family

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan and Alex discuss 3 takeaways from Morgan Housel's new book Same As Ever.

The beer of the day is Farmhaze IPA from Remlinger Brewery. If you would like to learn more about this beer, please visit their website https://remlingerfarms.com/brewery/

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan and Alex discuss the top five things they would tell their moms to ask if they were interviewing financial advisors.

The beer of the day is Pitchfork IPA from Remlinger Brewery. If you would like to learn more about this beer, please visit their website https://remlingerfarms.com/brewery/

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan and Alex discuss what your competing priorities are costing you in your everyday life with your finances.

The beers of the day are Remlinger Brewery's Gary IPA and Fremont Brewing's Sky Kraken IPA. If you would like to learn more about these beers, please visit their websites https://remlingerfarms.com/brewery/

https://www.fremontbrewing.com/sky-kraken

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan and Alex discuss the state of the world and how you can prepare your finances to weather the storm.

The beers of the day are Tolt IPA from Valley House Brewing and Lucille IPA from Georgetown Brewing. If you would like to learn more about these beers, please visit their websites

https://valleyhousebrewing.com/

https://georgetownbeer.com/beer/details/lucille

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this week's episode, Ryan and Alex discuss 3 concerns you should address now so you are prepared for retirement.

The beer of the day is a Pilsner from Fired Up Brewing in Colville, WA. If you would like to learn more about this beer, please visit their website https://www.facebook.com/firedupbrewing/

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan and Alex discuss lessons on how to talk about money within your marriage.

The beers of the week are Flocktoberfest Lager from Black Raven Brewing and Sam Addams Octoberfest. To learn more about these beers, please visit their websites https://blackravenbrewing.com/products/flocktoberfest

https://www.samueladams.com/our-beers/limited-release/marzen/octoberfest

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan and Alex discuss three things that you should consider making in the fourth year for your taxes.

The beer of the day is No Li IPA from No Li Brewery in Spokane, WA. If you would like to learn more about this beer, please visit their website https://www.nolibrewhouse.com/

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan and Alex discuss how to talk to your parents about finances.

The beers of the week are Avery Brewing's Rufus Corvus Sour Ale and Elysian Brewing's Dragonstooth Stout. If you would like to learn more about these beers, visit their websites https://www.averybrewing.com/brews/barrel-aged-series

https://www.elysianbrewing.com/beer/dragonstooth-stout

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan and Alex discuss the four basic building blocks of retirement funding.

The beer of the day is Flocktoberfest Lager from Black Raven Brewing. If you would like to learn more about this beer, please visit their website https://blackravenbrewing.com/products/flocktoberfest

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan discusses five more quotes from the book The Psychology of Money by Morgan Housel.

If you have any questions about Quantified Financial Partners, please visit us www.beerandmoney.net

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In this episode, Ryan discusses the Netflix Docuseries, Live to 100: Secrets of the Blue Zones. If you would like to learn more about this show, click HERE.

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan and Alex discuss if a 20 year old needs estate planning documents and why.

The beers of the day are Fremont Brewing's Hustle Double IPA and Widmer Brothers Hefeweizen. To learn more about these beers, please visit their websites https://www.fremontbrewing.com/hustle

https://www.widmerbrothers.com/beer/hefe

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Alex discusses retirement planning and the various vehicles to help you get ready.

The beer of the day is an amber ale from Fired Up Brewing in Colville, WA. If you would like to learn more about this beer, please visit their website https://www.facebook.com/firedupbrewing/

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan and Alex discuss the difference between whole life insurance and bonds and where to put your money.

The beers of the day are Twilight Summer Ale by Deschutes Brewery and Juciy Haze by Voodoo Ranger. If you would like to learn more about these beers, please visit their websites https://www.deschutesbrewery.com/beer/twilight-summer-ale/ https://www.voodooranger.com/beer/juicy-haze/

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan and Alex discuss what term life and whole life insurance are.

The beer of the day is Mac and Jack's African Amber. If you would like to learn more about this beer, please visit their website https://www.macandjacks.com/african-amber

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan and Alex discuss different types of life insurance and what they do.

The beers of the day are Huckleberry Pucker by Paradise Creek and Stash Panda by Hop Valley. If you would like to learn more about these beers, please visit their websites

https://paradisecreekbrewery.com/product/huckleberry-pucker-2/

https://www.hopvalleybrewing.com/beer/stashpanda/

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan and Alex discuss three factors to help determine whether you should pay cash or get a loan to purchase a car.

The beer of the day is Devotion from Lost Abbey Brewing. To learn more about this beer, visit their website https://lostabbey.com/beer/devotion/

To learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan and Alex discuss how to be financially savvy without compromising being a good parent.

The beer of the day is Shocker Hazy IPA from Bale Breaker Brewery. If you would like to learn more about this beer, please visit their website https://balebreaker.com/

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan and Alex discuss underutilized accounts and how they can be important in your financial plan.

The beers of the day are Lucille IPA from Georgetown and Stash Panda from Hop Valley. If you would like to learn more about these beers, please visit their websites https://georgetownbeer.com/beer/details/lucille

https://www.hopvalleybrewing.com/beer/stashpanda/

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan and Alex are going to discuss retirement preparedness articles and whether or not they are correct for everyone.

The beer of the day is Juicy Pale Ale from 20 Corners Brewing in Woodinville, WA. If you would like to learn more about this beer, please visit their website https://www.20cornersbrewing.com/

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan and Alex discuss how your balance sheet is allocated.

The beer of the day is Big Ballard IPA from Red Hook Brewery. If you would like to learn more about this beer please visit their website https://www.redhook.com/beers/big-ballard

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Alex Collins interviews Nick Domino, an Investment Advisor at Park Avenue Securities. He and Alex discuss 401Ks.

The beer of the day is 3 Fonteinen Belgian Beer. If you would like to learn more about this beer, please visit their website https://www.3fonteinen.be/en/

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan discusses six statements about money that he thinks are true.

The beer of the day is Ghost Trees Hazy IPA from 20 Corners Brewing out of Woodinville, WA. If you would like to learn more about this beer, please visit their website https://www.20cornersbrewing.com/

If you would like to learn more about Quantified Financial Partners, please visit our website www.beeerandmoney.net

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In this episode, Ryan and Alex discuss whether you are getting advice that sounds good or good advice.

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan discusses the time you spend with your family and are you present with them.

The beer of the day is Accumulation IPA from New Belgium Brewing. If you would like to learn more about this beer, please visit their website https://www.newbelgium.com/beer/accumulation/

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan and Alex discuss if it is different this time with the stock market.

The beer of the day is Damnation by Russian River. If you would like to learn more about this beer, please visit their website https://www.russianriverbrewing.com/damnation/

If you would like to learn more about Quantified FInancial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan and Alex discuss how you listen.

The beer of the day is Cascade Highway IPA from Big Block Brewery in Washington. If you would like to learn more about this beer, please visit their website https://www.bigblockbrewery.com/

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan discusses how to make sure you have a system to pay yourself first.

The beer of the day is Tropical Big Ballard Juicy IPA from Red Hook Brewing. If you would like to learn more about this beer, please visit their website https://www.redhook.com/beers/tropical

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan and Alex discuss the steps to take to help with the uncertainty of the debt ceiling.

The beer of the day is Blueberry from Cascade Brewing. If you would like to learn more about this beer, please visit their website https://cascadebrewing.com/our-beers/blueberry-2020/

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan and Alex discuss three lessons to teach your kids about money and finance.

The beer of the day is Beatification from Russian River Brewing. If you would like to learn more about this beer, please visit their website https://www.russianriverbrewing.com/beatification/

If you would like to learn more about Quantified Financial Partners, please visit www.beerandmoney.net

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In this episode, Ryan and Alex interview Charles Lindberg, an agency owner of Goosehead Insurance based out of Bellevue, Washington. They discuss personal lines of insurance during a gig economy. If you would like to reach out to Charles, please visit his website https://www.goosehead.com/agents/charles-lindberg/

The beers of the day are Consecration, a sour from Russian River, if you would like to learn more about this beer, please visit their website https://www.russianriverbrewing.com/consecration/ and Elysian Brewing's Contact Haze. If you would like to learn more about this beer, please visit their website https://www.elysianbrewing.com/beer/contact-haze

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan and Alex discuss what lifestyle creep is and how much is actually ok.

The beer of the day is Flow State Hazy IPA from Everybody's Brewing. If you would like to learn more about their beer, please visit their website https://everybodysbrewing.com/pages/on-tap

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan and Alex discuss how much room for error you have in your financial plan.

The beer of the day is Russian River's Intinction Sour. If you would like to learn more about their beer, please visit their website, https://www.russianriverbrewing.com/intinction-sauvignon-blanc/

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan and Alex discuss how to set up a Roth IRA for your child.

The beer of the day is Blind Pig IPA from Russian River Brewing. If you would like to learn more about this beer, please visit their website https://www.russianriverbrewing.com/blind-pig-ipa/

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan and Alex discuss what inflation is and how it affects you.

The beer of the day is Wisdom Seeker IPA from Black Raven Brewing. If you would like to learn more about this beer, please visit their website Black Raven Brewing

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan and Alex discuss five lessons from the book The Pyschology of Money: Timeless Lessons on Wealth, Greed and Happiness, by Morgan Housel.

The beer of the day is Cemetery Souls IPA by Black Raven and Bone Yard Brewers. If you would like to learn more about this beer, please visit their website https://blackravenbrewing.com/products/copy-of-mecharaven-double-ipa

To learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan and Alex discuss steps 9 and 10 of the 10 steps to your own financial plan.

To find a copy of this plan, please visit our website www.QuantifiedFinancial.com

The beer of the day is Too Legit to Wit by Volition Brewing. To learn more about this beer, please visit their website http://www.volitionbrewing.com/beer-menu

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan and Alex discuss steps 7 and 8 of your own personal financial plan. To find a copy of this plan, visit our website www.QuantifiedFinancial.com

or click HERE

The beer of the day is Born and Raised from No Li Brewery in Spokane, WA. To learn more about this beer, please visit their website https://www.nolibrewhouse.com/beer

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan and Alex discuss steps 5 and 6 to create your own personal financial plan. To find a copy of this plan, visit our website www.QuantifiedFinancial.com

You can also download a copy of this by clicking HERE

The beer of the day is Booster Pack Hazy IPA from Audacity Brewing in Snohomish, WA. To learn more about this beer, visit their website http://www.audacitybrewing.com/beer.html

To learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan and Alex discuss the fourth step of the 10 steps to your own financial plan.

The beer of the day is A Beer Named Sue Red Ale by Valley House Brewing in Duvall, WA. If you would like to learn more about this beer, please visit their website https://valleyhousebrewing.com/

If you would like to learn more about Quantified Financial Partners, please visit our website, www.beerandmoney.net

You can find the personal financial plan by visiting www.QuantifiedFinancial.com

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In this episode, Ryan and Alex go over steps 2 and 3 in the 10 steps to making your own financial plan. To find the pdf of this financial plan, please go to our website www.QuantifiedFinancial.com or click Here

The beer of the day is Wood Pile IPA from Stoup Brewing. If you would like to learn more about this beer, please visit their website https://www.stoupbrewing.com/

If you would like to learn more about us, please visit our website www.beerandmoney.net

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In this episode, Ryan and Alex discuss how to build out your own financial plan. You will also find a copy of this plan on our website www.QuantifiedFinancial.com or click HERE

The beer of the day is Ski Patrol by Dru Bru. To learn more about this beer, please visit their website https://www.drubru.com/beer-for-sale/

To learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this week's episode, Ryan and Alex discuss what a wealth building account is whether or not you have one.

The beer of the day is Anti-Session from Dru Bru. If you would like to learn more about this beer, please visit their website https://www.drubru.com/beer-for-sale/

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

To read the article referred to in this podcast, follow the link to our blog post https://quantifiedfinancial.com/news/do-you-have-a-wealth-building-account-5-steps-to-automate

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In this episode, Ryan and Alex discuss the difference between spreadsheet math and real world math.

The beer of the day is Pecan Pie Porter from Backwoods Brewing in Carson, WA. If you would like to learn more about this beer, please visit their website https://www.backwoodsbrewingcompany.com/

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode of Beer and Money, Ryan and Alex discuss retirement plans and if traditional plans are all there is.

The beer of the day is Hazy in the Gorge from Backwoods Brewing Company. If you would like to learn more about this beer, please visit their website https://www.backwoodsbrewingcompany.com/

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this week's episode, Ryan and Alex discuss three examples of how personal experiences with money may not reflect how the real world works.

The beer of the day is Dragon's Milk Stout from New Holland Brewing. If you would like to learn more about this beer, please visit their website https://www.newhollandbrew.com/beer/

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan and Alex discuss three changes to consider for your finances under the new Secure 2.0 Act.

The beer of the day is Nature Calls IPA from 10 Barrel Brewing. If you would like to learn more about this beer, please visit their website https://10barrel.com/beer/nature-calls/

If you would like to learn more about Quantified Financial Partners, please visit our website www.Beerandmoney.net

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In this episode, Ryan and Alex discuss the 7 financial steps you should take in 2023.

The beer of the day is Storm Surge Hazy IPA from Redhook Brewery in Ballard, WA. If you would like to learn more about this beer, please visit their website https://redhook.com/beers/storm-surge-hazy-ipa

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan and Alex talk about the top three things that retirees have now that they wish they had before retiring.

The beer of the day is Drop Top Amber Ale by Widmer Brothers Brewing. If you would like to learn more about this beer, please visit their website https://www.widmerbrothers.com/beer/drop-top-amber

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan and Alex discuss the top three benefits of using a taxable brokerage account in your portfolio.

The beer of the day is Cozy Sweater by Iron Horse Brewery. If you would like to learn more about this beer, please visit their website https://www.ironhorsebrewery.com/the-beer/cozy-sweater/

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan and Alex discuss a theory called psychological distancing and how we use it to plan for our financial future.

The beer of the day is Alpenhaze IPA from Icicle Brewing Leavenworth, WA. If you would like to learn more about this beer, please visit their website https://iciclebrewing.com/

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this week's episode, Ryan and Alex discuss five money takeaways from the movie Rocky.

The beer of the day is Northwestie from Haywire Brewing in Snohomish, WA. If you would like to learn more about their beer, please visit our website https://www.haywirebrewingco.com/

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan and Alex discuss three tips to help you keep your holiday spending under control.

The beer of the day is 10 Barrel Brewing's Paddle Captain IPA. If you would like to learn more about this beer, please visit their website https://10barrel.com/beers/

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan and Alex discuss three financial lessons you can learn from the movie Dumb and Dumber.

The beer of the day is Citra IPA from 20 Corners Brewing in Woodinville, WA. If you would like to learn more about their beer, please visit their website https://www.20cornersbrewing.com/

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan and Alex discuss three financial concepts that they have learned over the years that they are thankful for and want to share with you.

The beer of the day is the Festivus Ale from Black Raven Brewing. If you would like to learn more about this beer, please visit their website https://blackravenbrewing.com/products/seasonal-festivus-pale-ale

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan discusses the new retirement account contributions that will go into effect in 2023. Have you heard about the new limits?

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan discusses how to get on the same page with your spouse when it comes to finances.

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan and Alex discuss strategies vs tactics. They specifically talk into whether or not you have tactics in your financial planning with strategy or without.

The beer of the day is Autonomous IPA from 20 Corners Brewing Co. in Woodinville, WA. If you would like to learn more about this beer, please visit their website https://www.20cornersbrewing.com/

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan and Alex discuss the difference between an investment manager and a financial planner.

The beer of the day is Snailbones IPA from Elysian Brewing in Washington state. If you would like to learn more about this beer, visit their website https://www.elysianbrewing.com/

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan and Alex discuss four kinds of luck that can help you build wealth.

The beer of the day is Stone Hazy IPA from Stone Brewing in California. If you would like to learn more about their beer, please visit their website https://www.stonebrewing.com/beer/year-round-releases/stone-hazy-ipa#ageGatePassed

If You would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan and Alex discuss cash flow and how it can make you feel wealthier than you actually are.

The beer of the day is the Oktoberfest Lager from Silver City Brewing in Bremerton, WA. If you would like to learn more about this beer, please visit their website https://www.silvercity.beer/beers

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Alex discusses interest rates and what is going on with the current market.

The beer of the day is Enchantments Hazy IPA from Icicle Brewing in Leavenworth, WA. If you would like to learn more about this beer, please visit their website https://iciclebrewing.com/

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan and Alex discuss four financial topics that wealthy people use and understand better than most people and how it helps their balance sheets.

The beer of the day is Threadhead Hazy IPA from Faded Flannel Brewing in Eugene, OR.

If you would like to learn more about Quantified Financial Partners, please visit our website, www.beerandmoney.net

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In this week's episode, Ryan and Alex discuss what realized vs unrealized loss is and how it affects your portfolio.

The beer of the day is Witbier from Black Raven Brewing. If you would like to learn more about this beer, please visit their website https://blackravenbrewing.com/pages/on-tap

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan and Alex discuss how creating good financial habits help your children in other areas of their development.

The beer of the day is Sudo Hazy IPA from Bellevue Brewing Company in Washington. If you would like to learn more about this beer, please visit their website https://www.bellevuebrewing.com/

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan and Alex discuss how to read your quarterly statement and what you might find on it.

The beer of the day is Two Beers Deception Pass Summer Ale. You can learn more about this beer by visiting their website https://www.twobeersbrewery.com/landing/deception-pass-summer-ale/

If you want to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan and Alex discuss Will Smith's autobiography Will, and how it is important to enjoy what you have today instead of looking to what you want to be before you are happy.

The beer of the day is Nothing But Hazy from Black Raven Brewing. If you would like to learn more about this beer, please visit their website https://www.liquid-provisions.com/products/black-raven-nothing-but-hazy

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan and Alex discuss how hiking and financial planning are similar.

The beer of the day is Stash Panda from Hop Valley Brewing. If you would like to learn more about this beer, please visit their website https://www.hopvalleybrewing.com/

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan and Alex discuss market based assets and promised based assets. They talk about what they are and why you should care about them.

The beer of the day is Hop Diggidy IPA from Port Townsend Brewing in Washington. If you would like to learn more about this beer, please visit their website http://porttownsendbrewing.com/

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan discusses how you plan and make decisions during times of financial volatility.

The beer of the day is Hazy Ipa from Farmstrong Brewing Co. in Mount Vernon, WA. If you would like to learn more about their beer, please visit their website https://www.farmstrongbrewing.com/taproomandbeergarden

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan discusses how to recession proof your retirment. He talks about the top 3 things that you should do or continue to do to help during this volatile time.

The beer of the day is the St. Bernardus Abbey Ale from Belgium. If you would like to learn more about this beer, please visit their website https://www.sintbernardus.be/en/brewery/our-beers/stbernardus-abt-12-en

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this week's episode, Ryan and Alex discuss the allocation of your accounts verses allocating your entire balance sheet.

The beer of the day is Southern Resident Killer Whales IPA from Two Beers Brewing. If you would like to learn more about this beer, please visit their website https://www.twobeersbrewery.com/landing/southern-resident/

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan discusses the top five questions you should ask when you are hiring a financial advisor.

The beer of the day is Profuse Juice Hazy IPA from 10 Barrel Brewing. If you would like to learn more about this beer, please visit their website https://10barrel.com/beer/profuse-juice/

If you would like to learn more about Quantified Financial Partners, please visit our website, www.beerandmoney.net

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In this week's episode, Ryan breaks down the seven steps you can take to help you and your family be financially successful.

The beer of the day is Baie Noir from Valley House Brewing in Duvall, WA. If you would like to learn more about this beer, please visit their website https://valleyhousebrewing.com

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan and Alex discuss what you think is true and what is actually true when it comes to your finances.

The beer of the day is Double Dale's IPA from Oskar Blues in Colorado. If you would like to learn more about this beer, please visit their website https://www.oskarblues.com/beer/double-dales-imperial-ipa/

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan and Alex discuss three areas of your finances that you can focus on to make big changes.

The beer of the day is the Brew 6000 from Fremont Brewing. If you would like to learn more about this beer, please visit their website https://www.fremontbrewing.com/brew-6000

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan and Alex discuss how money and finances have changed throughout time and help you learn if you are keeping up with those changes.

The beer of the day is Huckleberry Pucker by Paradise Creek Brewery in Pullman, WA. If you would like to learn more about this beer, please visit their website at https://paradisecreekbrewery.com/hucleberry-pucker-details.html

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan and Alex discuss why you need room for error in your financial life.

The beer of the day is Reubens Brews Summer IPA. If you would like to learn more about this beer, please visit their website https://reubensbrews.com/beer/summer-ipa/

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan and Alex discuss what leverage in your portfolio is and how you can use it to your benefit.

The beer of the day is the Samish Haze IPA from Black Raven Brewing. If you would like to learn more about this beer, visit their website https://blackravenbrewing.com/products/sammish-haze

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Alex discusses why we discuss retirement planning with people in their 20s and 30s. The beer of the day is Deviation Works from Fort George Brewing in Portland, OR. If you would like to learn more about their beer, please visit their website https://fortgeorgebrewery.com/beer/deviation-works/

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this week's episode, Ryan and Alex discuss the recent market volatility and what you should or can do about it?

The beer of the day is the Bourbon County Stout from Goose Island. If you would like to learn more about this beer, please visit their website https://www.gooseisland.com/beers/barrel-house-beers/bourbon-county-stout-2021.html

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan and Alex discuss four areas of your finance that you should look at other than rate of return.

The beer of the day is Cinq Cents Chimay. If you would like to learn more about this beer, please visit their website https://chimay.com/us/taste-our/beers/

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan and Alex discuss how to prepare your parents and yourself financially as they get older.

The beer of the day is the African Amber from Mac and Jack's brewery in Redmond, WA. If you would like to learn more about this beer, please visit their website https://www.macandjacks.com/african-amber

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan and Alex discuss the 3 elements they think will bring you financial success.

The beer of the week is Hop Venom from Boneyard Beer. If you would like to learn more about this beer, please visit their website https://boneyardbeer.com/beer/hop-venom/

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this week's episode, Ryan and Alex discuss the difference between the job of a financial planner and tax preparer.

The beer of the day is Cloud Mentality hazy IPA from 10 Barrel Brewing. If you would like to learn more about this beer, please visit their website https://10barrel.com/beer/cloud-mentality/

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this week's podcast, Ryan and Alex discuss how to make your decisions after doing research instead of just hearing something and making moves. 

The beer of the day is Wanderlust IPA from Breakside Brewing in Portland, OR. If you would like to learn more about this beer, please visit their website https://breakside.com/our_beer/wanderlust-ipa/

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this week's episode, Ryan and Alex discuss the 3 signs it is time for you to hire a financial advisor.

The beer of the week is the Inversion IPA from Deschutes Brewery. If you would like to learn more about their beer, please visit their website https://www.deschutesbrewery.com/

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan and Alex discuss the difference between marginal and effective tax brackets. Understanding this will be very helpful for preparing for retirement.

The beer of the day is the Scotch Ale by Boundary Bay in Bellingham, WA. If you would like to learn more about them, please visit our website at https://www.bbaybrewery.com/beer-roster/flagships

If you would like to learn more about Quantified Financial Partners, please visit our website at www.beerandmoney.net

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In this episode, Ryan interviews Amanda Grossman with Jessica Nguyen. Amanda is a Certified Financial Education Instructor, winner of the 2017 Plutus Foundation Grant to create a kid money program (the Mt. Everest Money Simulation: A Kid's Educational Adventure), and an 11-year personal finance blogger. Her website, www.MoneyProdigy.com, focuses on teaching kids about money in a fun and age appropriate way. She has so many resources, videos, ideas and tools for parents who want to give their kids a solid foundation in finances. Please visit Amanda's website where you can learn so much more. If you want to learn more about Quantified Financial Partners, please visit our website, www.beerandmoney.com

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In this episode, Ryan and Alex discuss what the value of a financial advisor is and what they can do for you.

The beer of the day is the Good Neighbors Stout from Valley House Brewing in Duvall, Washington. If you want to learn more about their beers, please visit their website at https://valleyhousebrewing.com/

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan and Alex continue their series on teaching kids about money. This episode focuses on kids aged 8-11.

The beer of the week is the Gutterball Hazy IPA from Ten Pin Brewing. If you would like to learn more about this beer, please visit their website https://tenpinbrewing.com/beer/

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this week's episode, Ryan and Alex discuss the fees you pay in your portfolio and why you pay them.

The beer of the day is Fly Jack from Firestone Walker Brewing Company. If you would like to learn more about this beer, please visit their website https://www.firestonebeer.com/

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan interview Kristen Blosser, a Personal Lines Insurance Producer at Sprague Israel Giles, LLC. They discuss common misunderstandings around home and auto insurance. If you would like to reach out to Kristen, you can call her at 206-957-7042 or email her at kblosser@siginsures.com

If you would like to learn more about Quantified Financial Partners, you can reach us at www.beerandmoney.net

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In this week's episode, Ryan and Alex begin our series on educating your children about money. This podcast focuses on children aged 4-7.

The beer of the week is Hop Session IPA from Dru Bru in Washington. To learn more about this beer, please visit their website https://www.drubru.com/hop-session/

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan interviews estate planning attorney Jenny Ling of Seattle, WA. She covers the importance of having your affairs in order, the difference between a will and a trust and why you don't want to wait to get this taken care of. If you would like to reach out to Jenny Ling, her website is https://www.jennylinglaw.com/ and her phone number is (206) 859-5098

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan and Alex talk about bonus and RSU season. Do you have a plan for this year's bonus?

The beer of the day is the Robust Porter from Reubens Brewing in Seattle, WA. If you would like to learn more about this beer, please visit their website https://reubensbrews.com/beer/robust-porter/

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan and Alex continue their discussion on the volatility of the stock market and advise what you should do.

The beer of the week is the Starway Stout from Barrel Mountain Brewing. If you would like to learn more about their beer, please visit their website https://www.barrelmountainbrewing.com/index.php/our-beer.html

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this week's episode, Ryan and Alex discuss the volatility in the stock market due to the Ukraine crisis and inflation in the US. The beer of the day is the Community Fresh Hop from Valley House Brewing in Duvall, WA. To learn more about their beer, please visit their website https://valleyhousebrewing.com/

If you would like to learn more about Quantified Financial Partners, please visit us at www.beerandmoney.net

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In this episode, Ryan speaks with Aaron Crossley, a mortgage loan consultant and team manager with Caliber Homes based in Kirkland, WA. If you have thought about purchasing a home lately but are unsure what is happening with the mortgage industry, this is the podcast for you. If you would like to reach out to Aaron, you can call him at 425-457-2232.

If you would like to reach out to us, please visit our website www.beerandmoney.net where you can schedule an appointment with Ryan or Alex or learn more about Quantified Financial Partners. 

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In this week's podcast, Ryan and Alex discuss the three mistakes that most people make when going into retirement and how to mitigate those mistakes.

The beer of the day is the Resolution IPA from Mac and Jack's in Washington. If you would like to learn more about this beer, visit their website https://www.macandjacks.com/resolution

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode of Beer and Money, Ryan and Alex break down what everyone wants most out of their financial life, flexibility.

The beer of the day is the Fresh Haze IPA from Deschutes Brewery. If you would like to learn more about their beer, please visit their website https://www.deschutesbrewery.com/beer/fresh-haze-ipa/

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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Happy 2022! In this week's podcast, Ryan and Alex discuss why they started this podcast over two years ago and the value it can bring to you.

The beer of the week is the Giggly Blonde Ale from Gig Harbor Brewing. If you would like to learn more about their beer, please visit their website http://www.gigharborbrewing.com/beers.html

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this week's episode, Ryan and Alex break down what the 4 percent rule is when it comes to how much money you can take out in retirement.

The beer of the day is Amber Ale by Scuttlebutt Brewing in Everett, WA. If you would like to learn more about this beer, please visit their website https://scuttlebuttbrewing.com/beers/

If you would like to learn more about Quantified Financial Partners or contact Ryan or Alex, please visit our website www.beerandmoney.net 

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Do you know what a Roth IRA is? How about a Back Door Roth IRA? If you pay attention to the news, you will know that this is a hot button topic right now. Listen to this podcast to understand what they are and if they are right for you.

The beer of the day is Deschutes Brewery's Symphonic Chronic IPA. If you would like to learn more about their beer, please visit their website https://www.deschutesbrewery.com/beer/ipa-pack/

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this episode, Ryan and Alex discuss the importance of liquidity in retirement and why you should plan for it today.

The beer of the day is the Kitty Kat Blues Blueberry Pale Ale from Black Raven Brewery. If you would like to learn more about this beer, please visit their website at http://www.blackravenbrewing.com/Beerfolio/kitty-kat-blues-blueberry-pale-ale

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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Do you believe when the media says that the market is overvalued? Do you know when the right time is to invest in the market? In this episode, Ryan and Alex discuss whether the market is overvalued.

The beer of the day is Batch 15 from Aslan Brewing in Bellingham, WA. If you would like to learn more about them and their beers, please visit their website https://aslanbrewing.com/beer-lineup

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net where you can make an appointment. 

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Would you like to be financially confident and know what your plan is for your income in 2022? In this episode, Ryan and Alex break down the steps for you to become financially confident.

The beer of the day if the Log Boom Pale Ale from Mac & Jack's in Redmond, WA. If you would like to learn more about this beer, please visit their website https://www.macandjacks.com/log-boom

If you would like to learn more about Quantified Financial Partners, please visit our website at www.beerandmoney.net

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In this week's episode, Ryan and Alex discuss the difference between the producer and the consumer. Do you know who you are?

The beer of the week is the Conifer IPA by the Valley House Brewing Co in Duvall, WA. If you would like to know more about this beer, please visit their website http://www.valleyhousebrewing.com/

If you would like to learn more about Quantified Financial Partners or how we can help you, please visit our website www.beerandmoney.net

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In this week's episode, Ryan and Alex discuss how to know what your investment philosophy is so that you can make better decisions about your finances. 

The beer of the day is Samish Haze from Black Raven Brewing. If you would like to learn more about this beer, please visit their website http://blackravenbrewing.com/Beerfolio/samish-haze

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this re-release of an earlier podcast, Alex Collins interview Joe McGrath about the importance of understanding student loans and the best ways to take out loans for college.

If you have any questions for Alex or want to learn more about Quantified Financial and how we can help you plan for your or your children's college, please visit our website at www.beerandmoney.net

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In this week's episode, Ryan and Alex discuss the importance of understanding what is in our portfolio. Do you know what is in your portfolio? 

The beer of the week is Sky Kraken by Fremont Brewing. If you would like to learn more about this beer, please visit their website https://www.fremontbrewing.com/sky-kraken

If you would like to learn more about Quantified Financial Partners or reach out to Ryan and Alex, please visit our website www.beerandmoney.net

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Have you ever heard of whole life insurance but did not know what that meant? In this week's podcast, Ryan and Alex do in depth on the definition of whole life insurance and discuss the different ways in which it can be used.

The beer of the day is Black Raven Brewing's Festivus. If you would like to learn more about this beer, please visit their website http://www.blackravenbrewing.com/

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this week's episode, Ryan and Alex discuss the top 3 financial concepts that we need to learn in order to tackle our finances and be ready for retirement.

The beer of the week is 20 Corners Brewing Company's Autonomous IPA. If you would like to learn more about this beer, please visit their website https://www.20cornersbrewing.com/drink

If you would like to learn more about Quantified Financial Partners or make an appointment with Ryan or Alex, please visit our website www.beerandmoney.net

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In this week's episode, Ryan and Alex are discussing liquidity. How much should you have, why should you have it and how you can start working towards having enough.

The beer of the day is Serengeti Wheat from Mac and Jack's in Redmond, WA. If you would like to learn more about this beer, please visit their website https://www.macandjacks.com/serengeti-wheat

If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this week's podcast, Ryan and Alex discuss how you can free yourself from having to budget every month by following 3 steps. 

The beer of the day is Supplication from Russian River Brewing in California. If you would like to learn more about this beer, please visit their website https://www.russianriverbrewing.com/supplication/

If you would like to learn more about Quantified Financial Partners or would like to schedule an appointment with Ryan or Alex, please visit our website www.beerandmoney.net

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In this week's episode of Beer and Money, Ryan and Alex discuss how your financial mindset and how you think about your money is the difference between failure and success.

The beer of the day is Ayinger's Bräuweisse. If you would like to learn more about this beer, visit their website https://www.ayinger.de/cms/index.php/braeuweisse-269.html

If you would like to learn more about Quantified Financial Partners or schedule an appointment with Ryan or Alex, please visit our website www.beerandmoney.net

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In this podcast episode, Ryan and Alex discuss the 4 steps you can take to do a financial comparison and see if you are on track with your financial goals. 

The beer of the day is Port Townsend Brewing's Reel Amber. If you would like to learn more about this beer, visit their website http://www.porttownsendbrewing.com/ales-on-tap.php

If you would like to learn more about Quantified Financial Partners or reach out to Alex or Ryan, please visit our website www.beerandmoney.net

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In this week's podcast, we re-release one of our most popular episodes, What is your financial blueprint. Ryan and Alex break down why and how you spend and save your money.

If you have any questions about this podcast or want to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this week's episode, Ryan and Alex discuss the tax bracket you think you might have in retirement and how you can determine the best way to prepare now.

The beer of the day is the Hofbrau Original by Hofbrau Munchen. If you would like to learn more about this beer, please visit their website https://www.hofbraeu-muenchen.de/en/beer/hofbrau-original

If you would like to learn more about Quantified Financial Partners or get in touch with us, please visit our website www.beerandmoney.net

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In this week's podcast, Ryan and Alex discuss the different types of financial planning that most people turn to and why.

The beer of the day is Newport Nights by Rogue Brewing. If you would like to learn more about this beer, visit their website https://www.rogue.com/products/newport-nights

If you would like to learn more about Quantified Financial Partners please visit our website www.beerandmoney.net

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In this week's episode, Ryan and Alex discuss what your target wealth is and how to achieve that number. 

The beer of the day is Aggressively Relaxed by Everybody's Brewing in WA. If you would like to learn more about this beer, visit their website https://everybodysbrewing.com/pages/year-round

If you would like to learn more about Quantified Financial Partners or speak to Alex or Ryan please visit our website www.beerandmoney.net

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In this week's episode, Ryan and Alex discuss the importance of life insurance. How much life insurance do you and your family need?

The beer of the week is Trippel from New Belgium Brewing in Fort Collins, CO. If you want to learn more about this beer, visit their website https://www.newbelgium.com/beer/trippel

If you want to learn more about Quantified Financial Partners or speak to Alex or Ryan, please visit our website www.beerandmoney.net

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In this week's episode, Ryan and Alex discuss the top 3 financial mistakes that you have not heard of. 

The beer of the day is the Tolt IPA from Valley House Brewery in Duvall, WA. If you would like to learn more about this beer or the brewery, please visit their website https://valleyhousebrewing.com/index.html

If you would like to learn more about Quantified Financial Partners or Ryan and Alex, please visit our website www.beerandmoney.net

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What is your relationship or emotional response to money? In this week's podcast, Ryan and Alex discuss why you don't really hate money.

The beer of the week this week is Deschutes Brewery's Mirror Pond Pale Ale. If you want to learn more about this beer, visit their website https://www.deschutesbrewery.com/beer/mirror-pond-pale-ale/

If you want to reach out to us or learn more about Quantified Financial Partners, visit our website www.beerandmoney.net

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What is a wealth building account and how do you use it? In this episode, Ryan and Alex break down what it is and why you should have one.

Our beer of the day is Sol Cerveza from Molson Coors. You can learn more about this beer by visiting https://www.molsoncoors.com/beers/great-beers/sol-cerveza

If you have questions for Ryan or Alex and want to learn more about Quantified Financial Partners, please visit our website, www.beerandmoney.net

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Do you ever say "one day I will do that?" about your health or finances? In this episode, Ryan and Alex will talk to you about how to stop saying "one day" and start saying "today."

The beer of the day is the Bellwether from Breakside Brewing in Portland, Oregon. You can learn more about this beer by visiting their website https://breakside.com/our_beer/bellwether/

If you want to learn more about Quantified Financial Partners, visit our website www.beerandmoney.net

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In this week's episode, Ryan and Alex discuss three things they wish they had known earlier in their careers when it comes to financial lessons learned. 

The beer of the week is Stone Dayfall Belgian White from Stone Brewing in California. You can learn more about their beer by visiting their website https://www.stonebrewing.com/beer/pilot-series/stone-dayfall-belgian-white#ageGatePassed

If you want to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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What is keeping you from working with a financial advisor? In this week's episode, Ryan and Alex tackle the top 3 concerns most people have.

The beer of the day is the Hazy L IPA from Bale Breaker Brewing Company in Yakima, WA. If you want to learn more about their beer, visit their website https://www.balebreaker.com/beer/hazy-l-ipa#

If you want to learn more about Alex, Ryan or Quantified Financial Partners, please visit our website www.beerandmoney.net

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In this week's episode, Ryan and Alex discuss the way you view money and how you came to those beliefs. It probably had to do with your upbringing and personal experience. 

The beer of the day is Devotion by The Lost Abbey in California. You can find more information about this beer on their website http://lostabbey.com/beer/DEVOTION/

If you would like to learn more about us, please visit our website www.beerandmoney.net

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Is your money helping you or hurting you? Do you know how to achieve wealth? In this week's podcast, Ryan and Alex discuss the 3 ways to achieve wealth. If you don't know what these are, this is an important episode for you.

The beer of the day this week is Reuben's Crush Cancer. If you would like to learn more about this beer, visit their website https://reubensbrews.com/beer/reubens-crush-cancer

If you have any questions for Alex or Ryan or would like to learn more about Quantified Financial Partners, visit our website www.beerandmoney.net where you can schedule an appointment or find more episodes and articles to help you achieve wealth. 

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In the 100th episode of the Beer and Money Podcast, Ryan and Alex giveaway free gift cards to the brewery of your choice. Make sure the listen to find out how you can win one of these gift cards.

The beer of the day comes to us from Single Hill Brewing in Yakima, WA. It is the Eastside IPA. If you want to learn more about this beer, visit their website https://singlehillbrewing.com/beer/eastside-ipa/

If you have any questions for us, visit our website www.beerandmoney.net

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If you were to retire today, how much would you be taxed? In this week's episode, Ryan and Alex discuss 3 strategies to minimize taxes in retirement. 

The beer of the day is African Amber by Mac and Jack's, a brewery located in Redmond, Washington. If you would like to learn more about this beer, please visit their website https://www.macandjacks.com/african-amber

If you would like to reach out to Alex or Ryan, please visit our website www.beerandmoney.net

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How have you set up your retirement savings? Are you putting all of your money into a 401K? If so, Ryan and Alex discuss the reasons you may want to reconsider this approach.

This week's beer comes from Triple Horn Brewing Company in Woodinville, WA, the Landwink IPA, their flagship ale. You can learn more about them by visiting their website https://triplehornbrewing.com

If you have questions for us or would like to reach out, please visit our website www.beerandmoney.net

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In this week's episode, Ryan and Alex discuss Back Door Roth. What it is? Do you need one? How best to utilize it? These are all answered in this podcast. 

The beer of the week is Born & Raised from No Li Brewery in Spokane, WA. You can learn more about this IPA by visiting their website https://www.nolibrewhouse.com/beer/#born-raised

If you have questions for Alex or Ryan or want to learn more about us, visit our website www.beerandmoney.net

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In this week's episode, Ryan and Alex discuss 3 moves to make to lessen the impact of capital gains taxes. Are you aware of your exposure? 

The beer of the day is La Fin du Monde by Unibroue. You can learn more about this beer on their website https://www.unibroue.com/en-ca/beers/classics/la-fin-du-monde

If you want to learn more about us or reach out to Alex or Ryan, visit our website www.beerandmoney.net

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In this week's episode, Ryan and Alex discuss sacrifice vs investment when it comes to your finances and savings habits. Are you the type of person that looks at savings as a sacrifice or an investment in your future? 

Ryan and Alex are also drinking the beer  Blood Orange Smith & Weizen from Crucible Brewing Company in Everett, Washington. You can find their website at https://www.cruciblebrewing.com

If you would like to reach out to Alex or Ryan, please visit our website www.beerandmoney.net

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Have you just received your tax return or a stimulus check and are not sure where the best place to put the money is? In this episode, Ryan and Alex discuss the best three places to consider putting this money. We would also like to give a shout out to Black Raven Brewery in Redmond, WA for the beer of the day! You can find them at http://blackravenbrewing.com/

If you would like to reach out to Alex or Ryan or would like to learn more about us, please visit our website www.beerandmoney.net where you can schedule an appointment and answer the question of the day. 

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In this episode, Ryan and Alex discuss how to talk to your spouse about money and finances. Do you have difficulty getting on the same page with your significant other about your financial goals? If so, listen to this podcast and get some ideas on how to make this better.

If you want to talk to Ryan or Alex or learn more about us, visit our website www.beerandmoney.net where you can schedule an appointment or find more information about Quantified Financial Partners. 

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In this episode, Alex continues his interview with Dr. Wade Pfau. They discuss taxation in retirement, legacy and his upcoming book.

If you have any questions about this podcast or would like to reach out to Alex or Ryan, please visit our website www.beerandmoney.net

If you would like to learn more about Dr. Wade Pfau, visit his website https://retirementresearcher.com/wade-pfau/ 

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In this episode, Alex continues his interview with Dr. Wade Pfau. They discuss taxation in retirement, legacy and his upcoming book.

If you have any questions about this podcast or would like to reach out to Alex or Ryan, please visit our website www.beerandmoney.net

If you would like to learn more about Dr. Wade Pfau, visit his website https://retirementresearcher.com/wade-pfau/ 

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In part 1 of this 2 part interview, Alex speaks with Dr. Wade Pfau. Dr. Pfau is the most brilliant mind in retirement income planning. He has written several books including Safety First Retirement Planning: An Integrated Approach for a Worry-Free Retirement and is the Director of Retirement Research for McLean Asset Management. 

If you have any questions about this podcast or want to reach out to Alex or Ryan, please visit our website www.beerandmoney.net

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In this week's podcast, Ryan and Alex discuss how most Americans view their money. Do you look at your money backwards? 

If you have questions about this episode or want to reach out to Alex or Ryan, visit our website www.beerandmoney.net where you can schedule an appointment or learn more about us. 

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Do you have a life insurance policy? If so, when was the last time that you looked at the policy? In this week's episode, Ryan and Alex discuss life insurance and its many benefits. If you have not taken a look at your life insurance lately, this is a great episode for you. 

If you have any questions about this podcast or want to reach out to Alex or Ryan, please visit our website www.beerandmoney.net to schedule an appointment or find more articles and podcast episodes. 

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Have you heard of Washington State's new payroll tax? This is an important episode for every resident of Washington State. Take a listen and learn more about how this tax will affect every W2 employee in the state and share with friends and family. 

If you have any questions about this episode and want more answers, Ryan and Alex will host a webinar on March 30th and April 1st to cover this tax. Visit our website www.QuantifiedFinancial.com to register. 

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In this week's episode, Ryan and Alex discuss retirement funding, how you set up your money, whether it is correlated to the stock market and how you diversify to cover yourself if the market has a course correction.

If you have any questions about this podcast or would like to learn more about Quantified Financial Partners, visit our website www.beerandmoney.net where you can schedule an appointment, answer the question of the day or reach out to us. 

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As tax season approaches, it is a good time to look at your finances to determine how you are setting yourself up for this year and future tax years. Do you know how your money is taxed? 
If you have questions for Ryan or Alex or want to schedule an appointment to discuss your finances, visit our website www.beerandmoney.net

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What are the 5 key differences between your working years and your retirement years when it comes to your finances? Are you nearing retirement or thinking about what changes you need to make now to be prepared? 

If you have any questions about this podcast or would like to talk to Alex or Ryan about your retirement, visit our website www.beerandmoney.net where you can make an appointment or learn more about us. 

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In this week's podcast, Ryan and Alex discuss where to put your money that you are saving for retirement. If you have questions about this or would like to reach out and talk to Ryan or Alex, visit our website www.beerandmoney.net. 

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Did you take out a loan from your 401K in 2020? In this week's episode, Ryan and Alex discuss the implications. If you would like to register for our webinar, the 4 Steps to Financial Success, click Here

You can also visit our website, www.Beerandmoney.net or you can email us at QFPTeam@Quantifiedwa.com where you can schedule an appointment or learn more about us. 

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In this week's episode of Beer & Money, Ryan and Alex discuss how to know if your money is working hard for you. Where are you putting your money and is it growing? If you don't know if your money is working for you, this podcast is for you. 

If you have any questions about Beer & Money or would like to learn more about Quantified Financial Partners, visit our website www.beerandmoney.net to make an appointment, read our articles or listen to previous episodes. 

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In this week's episode, Ryan breaks down what is actually going on with Game Stop without the opinions. Do you know what a short sell squeeze is? Listen to this podcast to hear a great description of what actually happened.

If you have any questions about this podcast or want to reach out to Alex or Ryan, please visit our website www.beerandmoney.net

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In this week's episode, Ryan and Alex discuss your financial engines. What is it that keeps your finances moving and what drives you when it comes to your money? 

If you have any questions about this week's podcast, please visit our website at www.beerandmoney.net where you can answer the question of the day or schedule and appointment with Ryan or Alex or just reach out to us. 

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In this week's podcast, Ryan and Alex discuss what you should do with extra money that you have this year, either due to not taking that vacation or buying things you would normally buy but didn't. Should you spend it or save it or put it towards something else in 2021?

If you have any questions about this episode or would like to reach out to Alex or Ryan and schedule an appointment, please visit our website www.beerandmoney.net

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In this week's podcast, Ryan and Alex discuss how people have looked at money and debt throughout history. What generational experience do you have with money and how have you talked about money with your parents and children?

If you have any questions about this episode or want to reach out to Alex or Ryan, please visit our website www.beerandmoney.net to schedule an appointment. 

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Happy New Year! In this week's episode, Ryan and Alex discuss how to create a simple financial plan for this year. Have you thought about your finances and how to improve them in 2021? 

If you have any questions about this podcast or want to reach out to Alex or Ryan, please visit our website www.beerandmoney.net where you can learn more about us or schedule an appointment. 

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In this week's podcast, Ryan and Alex discuss the difference between the investment world and the insurance world. If you have any questions about this podcast or would like to reach out to Alex or Ryan to schedule and appointment, please visit our website www.beerandmoney.net

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In this holiday episode, Alex and Ryan discuss their moments of wealth. We hope you and your family have a great holiday season!

If you have any questions about this podcast or want to reach out to Alex or Ryan to schedule an appointment. Please visit our website at www.beerandmoney.net

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In this episode, Ryan discusses how to add automation to your savings habits as you get paid each month. How to you add money to your savings accounts?

If you have any questions or would like to reach out to Alex or Ryan to schedule an appointment, please visit our website www.beerandmoney.net

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Does your spending match your goals for your future or what you find important in life? In this week's podcast, Alex and Ryan discuss what your priorities are and if the way you spend money matches those priorities. 

If you have questions about this episode or you want to reach out to Alex or Ryan to make an appointment, please visit our website www.beerandmoney.net

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In this podcast, Ryan and Alex discuss the difference between a mutual fund and an exchange traded fund or ETF. If you have any questions about this podcast or want to reach out to Alex or Ryan to schedule an appointment, please visit our website www.beerandmoney.net

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We want to say THANK YOU for listening to our podcast this year. We are thankful for our listeners, our clients, our friends and family and this episode is to let you all know how much. 

If you have any questions or want to reach out to us, please visit our website www.beerandmoney.net

Please be careful this Thanksgiving and have a great week!

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In last week's podcast, Alex and Ryan discussed what bonds were and why you have them in your portfolio. This week they cover stocks, what they are, why you own them and how they enhance your portfolio. 

If you have any questions about this episode or if you would like to reach out to Alex or Ryan, please visit our website www.beerandmoney.net to schedule an appointment or send us an email. 

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Do you know what a bond is? Do you have them in your portfolio or hear people talk about them and are not sure what they are or how they work? In this week's podcast, Ryan and Alex break down what a bond is and why people add them to their investment portfolio.

If you have any questions about this podcast or would like to talk to Ryan or Alex or schedule a meeting with them, please visit our website www.beerandmoney.net

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In this week's podcast, Ryan and Alex discuss assets and which are promised based vs market based. Do you know the difference? 

If you have any questions about this episode or want to reach out to Alex or Ryan and schedule an appointment, please visit our website www.beerandmoney.net 

You can also answer the question of the day and find all of our other podcasts. 

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In this week's podcast, Ryan and Alex discuss what investment decisions you are making and how or why you make them. Are you deciding where to put your money based on sound rational or are these emotional decisions? 

If you have any questions for Ryan or Alex or want to reach out to schedule an appointment, please visit our website www.beerandmoney.net where you can email us or answer the question of the day. 

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In this week's podcast, Ryan and Alex discuss what you are using to measure where you stand financially. Do you know how much money you are saving? Do you know why you are putting your money where? 

If you have any questions about this podcast or if you want to reach out to Alex or Ryan or schedule an appointment with them, please visit our website at www.beerandmoney.net

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In this week's podcast, Ryan and Alex discuss what is your portfolio, how stocks rise and decline in price and why you are making those choices. If you have any questions about this podcast or would like to learn more about us, please visit our website at www.beerandmoney.net 

You can answer the question of the day or make an appointment with Alex or Ryan at our website as well. 

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In this week's episode, Ryan and Alex continue their discussion on your portfolio by asking "What drives the return in your portfolio?" This is the third episode in this series, so go back and listen to the last two if you haven't yet. 

If you have any questions about this podcast episode or want to get in touch with Alex or Ryan, please visit our website www.beerandmoney.net to make an appointment or learn more about us. 

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Do you know the difference between the stock market and the economy? In this week's podcast, Ryan and Alex discuss the difference and why you should pay attention to both but for different reasons. 

If you have any questions about this podcast or want to reach out to Alex or Ryan or make an appointment, please visit our website at www.beerandmoney.net

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In this week's podcast, Ryan and Alex ask what you are comparing your portfolio against. Is it the S&P 500 Index or the Dow Jones Industrial? Do you know why you are invested in what you are currently invested in?

If you have any questions about this week's podcast or want to reach out to Alex or Ryan, please visit our website www.BeerandMoney.net where you can make an appointment or email us.

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In the third episode of the series on how to fund your child's college, Ryan and Alex discuss the Strategies for College Planning. If you have not listened to the other two episodes, go back and find those on our website www.beerandmoney.net 

You can also make an appointment or check out our articles on College Planning in 2020. Reach out and let Alex or Ryan know if you have any questions or want to speak with someone about your finances. 

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In this second podcast of the series on College Planning, Ryan and Alex discuss different ways to pay for your child's college. If you haven't thought about anything other than a 529, there are many ways you can pay with and without certain tax implications. If you would like to discuss this more with Alex or Ryan, please visit our website at www.beerandmoney.net to make an appointment or email us. 

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Most people with children begin thinking about how to pay for college and start looking at a 529 Plan, but there are 3 other things that you need to look at first. In this episode of Beer & Money, Ryan and Alex discuss the 3 items you need to take care of before you look into a 529 Plan. 

If you have any questions for Alex or Ryan or would like to schedule an appointment, please visit our website at www.beerandmoney.net

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Should you refinance with interest rates at an all time low? In this week's podcast, Ryan and Alex discuss this important topic. If you have any questions about us or want to learn more, please visit our website at www.beerandmoney.net 

You can schedule an appointment with Ryan or Alex or find links to our social media pages. 

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In this week's podcast, Ryan and Alex discuss debt and how not all debt is bad debt. If you have any questions about this episode or want to get in touch with Alex or Ryan, please visit our website www.beerandmoney.net to make an appointment, answer the question of the day or just reach out.

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During this pandemic, companies are looking to find ways to save money. One of the ways they have found is to temporarily suspend the 401K match for their employees. If this has happened to you, Ryan and Alex will walk you through what this means and how you can navigate this change. If you would like to reach out to us or learn more about Quantified Financial Partners, please visit our website at www.beerandmoney.net where you can send us an email or schedule an appointment. 

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Have you ever considered implementing a financial wellness program at your company or do you wish that your company offered one? In this week's podcast, Ryan and Alex discuss the positives for having a financial wellness program for employers and employees. If you have any questions about this podcast or want to reach out to Alex or Ryan about starting a financial wellness program, visit our website at www.beerandmoney.net to schedule an appointment or learn more about us. 

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Have you ever considered hiring a financial advisor? Do you know why you should or should not? In this week's podcast, Ryan and Alex break down the reasons you should consider it or the reasons you should hold off. If you have any questions about this podcast or want to reach out to Alex or Ryan, please visit our website at www.beerandmoney.net to make an appointment or learn more about us. 

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Are you thinking about whether or not you should invest in the stock market right now? In this week's podcast, Alex and Ryan discuss the 5 things you should take a look at before you do. If you have any questions about this podcast episode or want to reach out to Alex or Ryan, please visit our website at www.beerandmoney.net where you can make an appointment or learn more about us.

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This week's podcast covers a topic that many people are contemplating right now with the market in flux and unemployment so high. Ryan and Alex talk about people's fear about not being able to retire and what you can do about it today. If you have any questions about this podcast or want to reach out to Alex and Ryan, please visit our website www.BeerandMoney.net to schedule and appointment.

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In this week's podcast, Ryan and Alex discuss income protection. Do you know what income protection is? Do you know how much you need for your family? If you have any questions about this podcast or want to speak with Ryan or Alex, please visit our website at www.beerandmoney.net to learn more about Quantified Financial Partners or schedule an appointment. 

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In this episode, Ryan and Alex discuss your financial blueprint. Do you have one? Would you know how to create your own? If you have questions about this episode or want to learn more about Beer & Money, please visit our website www.beerandmoney.net to learn more about Quantified Financial Partners and make an appointment with Alex or Ryan.

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In this week's podcast, Ryan and Alex go back to discussing the basics of financial planning. Do you know what the basics are? Do you know how to plan your finances now and for retirement?  

If you would like to reach out to Alex or Ryan, to make an appointment, ask questions about this week's podcast or if you just want to learn more about us, please visit our website www.beerandmoney.net

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In today's podcast, Ryan and Alex discuss having a financial quarterback. Most of us have at least one person in our life that talks to us about our finances. Who is this person in your life? Are they helping you realize your best financial picture? 

If you want to reach out to Alex or Ryan or if you want to learn more about us, please visit our website www.beerandmoney.net and there you can also answer the question of the day. 

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In this week's podcast, Ryan and Alex discuss more about how to have a good life now and a better life later by planning financially. You can still have things that you want now by financially planning and set yourself up to have a good retirement. If you have questions about this week's podcast or want to reach out to Ryan and Alex, please visit our website at www.beerandmoney.net

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In this episode, Ryan interviews Dave Kerpen, a best selling author of the book The Art of People: 11 Simple People Skills That Will Get You Everything You Want. He is also a keynote speaker, and the founder and Chairman of Likeable Local, an award-winning social media and word-of-mouth marketing agency for big brands. If you would like to learn more about Dave, visit his website www.davekerpen.com and if you would like to buy his best selling book, visit Amazon.com If you would like to learn more about us or want to speak with Ryan or Alex, visit our website www.beerandmoney.net

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In this week's episode, Ryan and Alex discuss how to have a good life now and a better life later by working on your finances and understanding what is important. The question they answer is why don't people like to plan their finances. If you have questions about this podcast or want to talk to Ryan of Alex, please visit our website www.beerandmoney.net

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In this week's podcast, Ryan and Alex continue their discussion on market volatility and having assets that are not affected by what is happening right now. This is part 2 of this discussion, so go back and listen to episode 43 if you have not already. If you have any questions about this podcast or want to get into contact with Ryan or Alex, visit our website www.beerandmoney.net

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In this week's episode, Ryan and Alex discuss assets that are not affected by volatility in the stock market. They pose the question, do you have these assets in your portfolio and talk about why you should. If you have any questions about this podcast or want to get in touch with Ryan or Alex, visit our website at www.beerandmoney.net

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Nicolas Cole is an author, Top Writer on Quora, and the founder and Editor-In-Chief of Digital Press. His work has acquired over 30 million views online, and has been published in Time, Forbes, Fortune, Business Insider, CNBC, and more. He is best known for writing about creativity, entrepreneurship, and personal growth. He recently co-authored the book Slow Down, Wake Up: 150 Short Meditations for a More Present Lifewith Dr. Matthew Jones. 

If you want to learn more about Nicolas, visit his website www.NicolasCole.com and if you have more questions for us about this podcast visit www.BeerandMoney.net

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In this episode, Alex interviews Christopher Burgess. Christopher has served 30 years with the Central Intelligence Agency. He was also a senior security advisor with Cisco Systems and is the coauthor of the book Secrets Stolen, Fortunes Lost: Preventing Intellectual Property Theft and Economic Espionage in the 21st Century. He is the founder of both Securely Travel and Senior Online Safety and he provides commentary and writes regularly on national security topics. If you want to contact Christopher, visit his website at https://www.burgessct.com/

If you have any questions about this podcast or want to reach out to us, visit www.beerandmoney.net

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In this episode, Ryan interviews Bennie Fowler, a former Michigan State wide reciever who has since gone on to play in the NFL for the Denver Broncos, Chicago Bears, New England Patriots, and New York Giants. In his book Silver Spoon: The Imperfect Guide to Success, Bennie discusses how to look at adversity as a learning tool and how to use that adversity as a positive in your life, not a negative. If you want to get a copy of his new book, visit Amazon.com and if you want to ask Ryan any questions about this podcast or get in touch with us, visit our website www.beerandmoney.net

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In today's episode, Ryan and Alex discuss the Rules of Investing. Even more important during a tumultuous time like now, sticking to these rules is vital for a healthy portfolio. If you would like to reach out to Alex or Ryan, want to schedule an appointment to talk with them or just have a question about this episode, visit our website at www.beerandmoney.net

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In this week's podcast, we interview Ryan Harris, a former NFL player, who also graduated from Notre Dame with degrees in Economics and Policy and in Political Science. He discusses leadership, financial literacy, honesty and responsibility. You can learn more about Ryan on his website www.RyanHarris68.com and if you want to reach out to us or have any questions about this podcast, please visit us at www.beermoney.net

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In the final part of this four part series, Ryan and Alex discuss the ways in which you can create income in retirement. This podcast is good for anyone, whether you are close to retirement or years away. If you have any questions about this podcast, or would like to learn more about Ryan and Alex or contact them to make an appointment, visit www.beerandmoney.net and find information on how to reach out or leave us a comment.

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This is the third part of a four part series on ways to create income in retirement. In this episode, Ryan and Alex discuss the bucket method as one of those ways. If you have any questions about this podcast or if you want to contact Ryan or Alex, visit us at www.beerandmoney.net

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This is the second episode in the series How to create income in retirement. In this week's podcast, Ryan and Alex discuss amortization and annuitization as two methods of creating income after your working years. If you have questions about this podcast or want to get in contact with Ryan or Alex, visit Beerandmoney.net and find ways to get in touch there as well as answer the question of the day. 

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Ryan and Alex are recording a series of podcasts on how you can create income in retirement. This is the first episode in the series and they will discuss the 4% method and the safe withdrawal rate. If you are nearing retirement or even if you are not there yet, thinking about retirement and how you are going to be able to afford your life, this episode is for you. If you have more questions or want to reach out to Ryan and Alex, visit their website at beerandmoney.net

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In this week's episode, Ryan and Alex discuss Roth conversions and if you should or shouldn't consider doing this. They have become more popular with the tax changes, but they are not a good idea for everyone. If you have any questions about this podcast, or just want to get in touch with Ryan and Alex, go to www.beerandmoney.net and find ways to get more information.

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As our parents age, it becomes more important that we understand their finances and their philosophy on money. In many cases, we, as their children, become the people who take care of them and their money as they get older. Having this conversation now can help avoid issues later on and Alex and Ryan help with 5 ways to have this conversation. 

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In this week's episode, Ryan and Alex discuss taxes but particularly taxes when you are retired. This important topic is one most people overlook until they are retired, but it is something you should think about now. How will your taxes affect your retirement and is there something you can do about it now? 

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This is the second part in a two part episode where Ryan and Alex break down the top 7 financial mistakes many of their clients have told them they have made. If you haven't listened to episode 29 yet, go back and listen to that one first. This episode covers the last 3 mistakes. Ryan and Alex also wrote a booklet on these 7 financial mistakes and you can get a copy of this booklet by clicking HERE or by going to our website and scrolling down on the homepage, www.QuantifiedFinancial.com

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In this week's episode, Ryan and Alex talk about the 7 Biggest Financial Mistakes that most people make. They have also written a booklet on the subject, which you can find HERE. This is the first of a two part podcast, so tune in next week to find out more about these 7 mistakes and how you can avoid making them.

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In today's episode, Ryan and Alex discuss how to talk to your kids about money. From an early age, it is important for your kids to know what money is and the smart ways to treat money. This taboo topic is not one that can be ignored. 

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This week's episode is important for anyone with kids looking to attend college. Ryan and Alex discuss different methods of college planning and how to pay for this every increasing cost of education. If you have kids, this episode is filled with good information on how to plan for college funding. 

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What is the FIRE movement? The acronym stands for Financial Independence Retire Early. In this week's episode, Ryan and Alex talk about the movement and help you find ways to achieve FIRE. 

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In the second part of last week's podcast, Ryan and Alex discuss chatting with your spouse about money. They give specific tips that will help any couple find ways to talk about a hard topic, your finances. 

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In this week's episode, Ryan and Alex discuss finding time in our busy lives to discuss finances with our spouses. This is a two part episode that gives you tips to make time to talk to our significant others about money, bills, and saving. This is part one of the two part episode. 

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In this week's episode, Alex interviews Charles Lindberg. Charles is the owner of a branch of Goosehead Insurance, located in Bellevue, WA. He is proud to be the first Goosehead Agency Owner in the state. He brings with him a wealth of experience working with business owners, first-time homebuyers, landlords, and house-flippers. He loves demystifying and simplifying insurance so that his clients understand what their coverages mean and why they are important. 

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Is your estate plan in order? In this week's episode, Ryan interviews Jenny Ling, an estate planning professional. They discuss the importance of having a plan in place for your finances, your children and your estate. 

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During the holiday season, many Americans tend to overspend. In this episode, Alex and Ryan discuss ways that you can prevent spending too much money and entering 2020 with less debt. 

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In this week's episode, Ryan and Alex talk about life insurance, the different types and the reasons you would want to look at each one. 

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In today's episode, Alex and Ryan discuss your group long term disability policy. What is it, what does it cover and what does it not cover? They will help you learn more about the product that helps protect your income, your greatest asset and make sure you understand your policy better. 

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In this episode, Alex interviews Joe McGrath, Business Development Associate with Gradfin, a company that works with financial advisors to help their clients repay their student loans faster and be better educated about the college loan process. 

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In this week's podcast, Ryan and Alex continue their discussion on the realities of retirement. This is a two part episode, so make sure you listen to the previous episode before tuning into this one. 

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When you consider retirement, what are the questions you ask? At what age can I retire? What will I be able to afford when I retire? Will I have enough money to retire? In this week's episode, Ryan and Alex discuss the realities of retirement and what you should look for well before retirement comes. 

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Do you know the difference between an actual and an average rate of return when it comes to your investments? In this week's episode, Ryan and Alex break it down for you, taking rather complex ideas and making them easier to understand. 

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In this week's episode, Ryan and Alex will be discussing cash flow, what is it and how can you protect it. Cash flow is basically the net input and output of your money. How do you take your cash flow and make the best use of it for your financial future? 

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In this week’s podcast, Ryan and Alex will discuss paying over on your mortgage and why or why not this is a good idea for different people. They will talk about interest rates, your cash flow flexibility and how paying more at certain times makes more sense than others. You will walk away with a better understanding of whether or not this is a good tactic for you.

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Have you checked to make sure your beneficiaries are correct? One of the most important decisions you make when filling out your life insurance policy information is who your beneficiaries are but rarely do we look back to make sure that they are still who we want years later. In this episode, we discuss beneficiaries, and making sure that you look at this more often to update any information that needs to be changed. 

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Today’s discussion revolves around the top five financial mistakes that Ryan and Alex encounter in their practice. Those five mistakes are:

1. There is no plan
2. Not considering taxation
3. Not protecting your income fully
4. Placing a bigger important on rate of return instead of savings rate
5. Hubris (excessive confidence in financial planning or sticking your head in the sand)

They will discuss each of these points and help you to not make those mistakes.

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In today’s episode, we will be discussing annuities, what they are and what they do. We will also be explaining the five different versions of annuities; single premium immediate annuity, also known as a spear, a deferred income annuity, also known as a DHEA. Then we have a fixed income annuity, an indexed annuity, and a variable annuity. Helping you understand the differences between them and if they are the best option for you.

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Today’s discussion is a continuation of the podcast last week discussing investment. This week we will have a deeper talk about investment discussing the standard deviation, we are going to put some numbers behind what we mean by risk units.

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Today’s talk is about investments and more of intro to investments, talking about the fundamentals, talking about risk profiles, talking about just looking at asset classes and how to begin looking at investing in the market. It is an interesting conversation because a lot of people can confuse investing and trading. It's just really a complex conversation. And so starting at the beginning and getting a good solid foundation of understanding where returns come from and how the market works is a great start.

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In today’s episode, we are going to focus on what you can and cannot control and how to be efficient with your money. What happens if something goes wrong? What happens if the rate of return we assumed was wrong? What happens if taxes go up? What happens if inflation goes up? Ryan and Alex will help you determine what the best way is to control what you can and not stress about the rest.

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Life is happening now and like everything that you should do for yourself, including eating right and working out, you should be looking at your finances. As soon as you are ready to start making your finances a priority is when you should start working with a financial professional.

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Today's episode is going to be an interview with Nick Wilson, a local mortgage lender and advisor with an area of expertise around helping his clients with buying, refinancing, and getting mortgages. So we're going to do a holistic viewpoint of what you should be considering when we're looking at that type of loan and that type of asset class.

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In part two of the conversation on how to protect and for your wealth we discuss how to grow your balance sheet, grow it efficiently and have a blueprint. Enjoy your wealth. If you are controlling what you can control, you can enjoy your money. Think with the end in mind and look at how you can make your finances as efficient as possible and as simple as possible so that you can live the life that you want to live.

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We want you to enjoy your life and enjoy the money that you make. How do you do this? There are several steps that you need to follow to make sure you are making good decisions. We will cover these steps over two podcasts. The first part is all about savings and protection. Alex and Ryan will guide you to looking at how you are protecting your income so that you and your family can enjoy life for years to come.

This podcast is for informational purposes only and is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary. Therefore, the information should be relied upon only when coordinated with individual professional advice. Guest speakers and their firms are not affiliated with or endorsed by PAS, Guardian, or Quantified Financial Partners and opinions stated are their own. Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation.

Ryan & Alex are Registered Representatives and Financial Advisors of Park Avenue Securities LLC (PAS). OSJ: 3585 Maple St #140 Ventura, CA 909-399-1100. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representatives of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is an indirect, wholly-owned subsidiary of Guardian. Quantified Financial Partners is not an affiliate or subsidiary of PAS or Guardian. The Living Balance Sheet® (LBS) and the LBS logo are service marks of The Guardian Life Insurance Company of America (Guardian), New York, NY. © Copyright 2005-2019 Guardian. Guardian does not issue nor advise for Auto, Homeowners, Umbrella, or Health Insurance. All Investments and investment strategies contain risk and may lose value.# 2019-83105 Exp 07/21

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It’s bonus season and you suddenly find yourself with extra money. How do you spend it wisely, where do you invest it, how can you make a good decision to create financial balance? Ryan and Alex will help you think before you spend and simplify your financial life.

This podcast is for informational purposes only and is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary. Therefore, the information should be relied upon only when coordinated with individual professional advice. Guest speakers and their firms are not affiliated with or endorsed by PAS, Guardian, or Quantified Financial Partners and opinions stated are their own. Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation.

Ryan & Alex are Registered Representatives and Financial Advisors of Park Avenue Securities LLC (PAS). OSJ: 3585 Maple St #140 Ventura, CA 909-399-1100. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representatives of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is an indirect, wholly-owned subsidiary of Guardian. Quantified Financial Partners is not an affiliate or subsidiary of PAS or Guardian. Financial Balance® is a service mark of The Guardian Life Insurance Company of America® (Guardian), New York, NY 10004. © 2019 Guardian 2019-82451 Exp. 7/21

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Welcome to Beer and Money a financial fireside chat for tech professionals. We simplify your money so that you can enjoy your life.

This podcast is for informational purposes only and is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary. Therefore, the information should be relied upon only when coordinated with individual professional advice. Guest speakers and their firms are not affiliated with or endorsed by PAS, Guardian, or Quantified Financial Partners and opinions stated are their own. Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation.Ryan & Alex are Registered Representatives and Financial Advisors of Park Avenue Securities LLC (PAS). OSJ: 3585 Maple St #140 Ventura, CA 909-399-1100. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representatives of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is an indirect, wholly-owned subsidiary of Guardian. Quantified Financial Partners is not an affiliate or subsidiary of PAS or Guardian. 2019-82321 Exp 07/21