The Retirement Cafe: Recent Episodes
Dan Reese
Financial and retirement planning guidance from mid-Michigan's Dan Reese & Brent Oliver of Avery Wealth.
Understanding Social Security can be confusing, especially when there is a divorce or the death of a spouse. Today we are going to discuss some of the common questions about benefits and ways to maximize the amount of money you receive if you find yourself in either of these situations.
Contact:
https://www.averywealth.com/
517-783-1695
Have you ever wondered if you are putting money in the right place? Today, we are going to discuss the hierarchy of savings vehicles to give you a roadmap for where to put your next dollar of savings. Stay tuned for a very helpful and important conversation with Dan and Brent!
Contact:
https://www.averywealth.com/
517-783-1695
Welcome to the Retirement Café! Today we are going to talk about the power of having a statement of financial purpose and how it can help you improve your financial decision-making and well-being.
Contact:
https://www.averywealth.com/
517-783-1695
Welcome to the Retirement Café! Today we are going to talk about some of the reasons or excuses that families have for not participating in the Financial Planning process and what you can do to start moving forward.
Contact:
https://www.averywealth.com/
517-783-1695
Welcome to the Retirement Café! Today we are going to talk about the 5 Tax Gotchas in Retirement. If you are close to retirement and have been a good saver, your retirement accounts can create tax issues. Not only for you but for your heirs. As the old Morgan Stanley advertisement used to say, “You must pay taxes. But there’s no law that says you’ve gotta leave a tip."
Contact:
https://www.averywealth.com/
517-783-1695
Warren Buffett once said, "Banking is a very good business if you don't do anything dumb." Well, it makes you wonder about the leadership in some of the banks that have failed this year. Today we are going to talk about how banks make money, what can lead to bank failures, and what protection is there for the average American with money they have in the bank or invested in securities.
Contact:
https://www.averywealth.com/
517-783-1695
Welcome to the Retirement Café! Today we are going to talk about predicting the future and why listening to predictions can be such an issue for so many families.
Contact:
https://www.averywealth.com/
517-783-1695
Albert Einstein once said, “Everything should be made as simple as possible, but not simpler.” Today we are going to talk about why the overabundance of financial information and technology tools may be preventing families from achieving financial independence versus helping them.
Contact:
https://www.averywealth.com/
517-783-1695
Welcome to The Retirement Café! Today we are going to discuss what is in the new Secure Act 2.0 which is part of the massive $1.7 trillion omnibus spending bill passed by congress at the end of 2022. Understanding the changes for those working and those retired is important so you can make good financial decisions in 2023 and beyond.
Contact:
https://www.averywealth.com/
517-783-1695
Theodore Roosevelt once said, “The more you know about the past, the better prepared you are for the future.” Every year the market has a way of reminding us of lessons taught in previous years. Today we are going to talk about what the market taught us in 2022.
Contact:
https://www.averywealth.com/
517-783-1695
Welcome to the Retirement Café! Today we are going to discuss one of the most important areas of financial planning: Your savings rate. Understanding how to evaluate and improve your savings rate is a key to becoming financially independent and reducing overall stress around money.
Contact:
https://www.averywealth.com/
517-783-1695
Rising inflation rates and volatile stock markets are causing many investors to worry about the future of their investments. Today, we are going to talk about bear markets and some strategies you can use to not only endure but thrive during times of uncertainty.
Contact:
https://www.averywealth.com/
517-783-1695
Welcome to the Retirement Café! It’s a big transition when you leave the workforce to live off your savings, requiring an attitude adjustment. Today we are going to discuss some of the issues to consider when you flip the switch from saving to spending your nest egg.
Contact:
https://www.averywealth.com/
517-783-1695
Today on The Retirement Café, we are going to dive into a simple approach to evaluating investment options that will help you avoid catastrophic results.
Contact:
https://www.averywealth.com/
517-783-1695
Today on The Retirement Café, we are going to talk about seven expenses that can potentially have a massive impact on your retirement and how to properly plan for them.
Contact:
https://www.averywealth.com/
517-783-1695
Today on The Retirement Café, we will be discussing some financial vital signs you should be monitoring in order to reach your financial goals.
Contact:
https://www.averywealth.com/
517-783-1695
Today, we are going to discuss the most common tax questions that we are asked by pre-retirees and retirees.
Contact:
https://www.averywealth.com/
517-783-1695
Today on The Retirement Café, we are going to discuss the recent market drop and if there are any positives that may come out of it.
Contact:
https://www.averywealth.com/
517-783-1695
Today on The Retirement Café, we are going to discuss how retirement planning is like many things in life. As the famous author Robert Burns once said, “The best laid schemes of mice and men go oft awry," and that statement couldn’t be truer when it comes to a retirement income plan.
Contact:
https://www.averywealth.com/
517-783-1695
Today on The Retirement Café, we are going to talk about some important ages everyone needs to know in order to have a successful retirement plan.
Contact:
https://www.averywealth.com/
517-783-1695
Today on The Retirement Café, we are going to discuss how to deal with all of the noise that we are all bombarded with on a daily basis around money. The noise can cause stress and make it difficult to relax and enjoy the retirement that you worked hard to achieve.
Contact:
https://www.averywealth.com/
517-783-1695
Today on The Retirement Café, we are going to discuss what statistics show us that families actually spend in retirement. Determining a spending plan in retirement is one of the most important things in developing a solid retirement plan.
Contact:
https://www.averywealth.com/
517-783-1695
Today on The Retirement Café, we are going to discuss realistic expectations for investment returns. Many times, families have a hard time determining how they are doing with their investments, so today we are going to discuss historical information to give you a better idea on how to judge your results.
Contact:
https://www.averywealth.com/
517-783-1695
Today on The Retirement Café, we are going to do something a little different. Instead of focusing on one topic, we are going to answer a handful of common retirement questions that listeners have asked Dan and Brent over the years. Obviously, we can’t answer them all in one episode, so we are focusing on some of the more common one’s.
Contact:
https://www.averywealth.com/
517-783-1695
Welcome to the Retirement Café. We will be discussing some strategies that may help you save money in your retirement plan. Tune in today to see if you may be able to find those missing dollars.
Contact:
https://www.averywealth.com/
517-783-1695
Welcome to the Retirement Café. It's no secret that the financial world can be overwhelming and it can be difficult to make a decision with all the information out there. Today we hope to provide some clarity and lay out 5 steps to help you out when you go to choose an investment fund.
Contact:
https://www.averywealth.com/
517-783-1695
Welcome to the Retirement Café. There is a lot going on in the world right now. The Federal Reserve just raised rates for the first time since 2018. Inflation is at the highest level in years and the conflict between the Ukraine and Russia have created uncertainty. Today we are going to talk a little bit about each of these areas and what these influences mean to you and your investments.
Contact:
https://www.averywealth.com/
517-783-1695
Welcome to the Retirement Café. Today we are going to talk about the three hurdles you need to clear in order to ensure that your wishes are carried out when you are no longer here.
Contact:
https://www.averywealth.com/
517-783-1695
Today on the Retirement Café, we are going to talk about why having your goals and wishes in your estate plan is so crucial. This will not only give you peace of mind, but your loved ones as well. This ensures that everything goes smoothly in a time of high stress and emotion. Dan and Brent will talk about the things you should get in place while you are still in good health and the difference this can make.
Contact:
https://www.averywealth.com/
517-783-1695
Today on the Retirement Café, we are going to discuss how we get in our own way when it comes to money. As humans, we feel a wide variety of emotions and can act irrationally because of them. When putting together a long term retirement plan, these emotions often cause problems and can be a detriment if not kept in check. Dan and Brent will discuss some of the ways we can combat these emotions on today's show.
Contact:
https://www.averywealth.com/
517-783-1695
Today on the Retirement Café, we are going to talk about the power of planning in reverse order. That may sound a little odd to some, but I think by the end of our episode today Dan and Brent will help you to see the power of this concept.
Contact:
https://www.averywealth.com/
517-783-1695
Today on the Retirement Café, we are going to get into everyone’s favorite topic: Taxes! More specifically, we are going to talk about as a retiree, what issues you should consider when reviewing your 2021 return.
Contact:
https://www.averywealth.com/
517-783-1695
Welcome back as today we are going to finish our two part series on What the Market Taught us in 2021. Last time we talked about who put together this list of lessons can you give us a recap on how this came about.
Link To Article: https://bit.ly/3rdkV6D
Contact:
https://www.averywealth.com/
517-783-1695
Theodore Roosevelt once said, “The more you know about the past, the better prepared you are for the future.” Every year the market has a way of reminding us of lessons taught in previous years. Today we are going to begin a two-part series on What the Market Taught us in 2021.
Link To Article: https://bit.ly/3AMXunQ
Contact:
https://www.averywealth.com/
517-783-1695
Today on The Retirement Café, we discuss common fears that pop up as you approach retirement and some steps you can take to alleviate these fears.
Contact:
https://www.averywealth.com/
517-783-1695
Today on The Retirement Café, we are going to discuss creating a charitable giving strategy. As we start a new year, this seems like a great topic to tackle.
Contact:
https://www.averywealth.com/
517-783-1695
Today on The Retirement Café, we are going to talk about how to critique and analyze your retirement plan through four distinct frames.
Contact:
https://www.averywealth.com/
517-783-1695
Today on The Retirement Café, we are going to discuss something that most retirees worry about at some point in retirement: A market crash ruining their retirement.
Contact:
https://www.averywealth.com/
517-783-1695
This week on the Retirement Café we are going to discuss the Wealth Planning Pyramid. It’s something Dan and Brent use regularly in their practice, and they felt it would be beneficial to spend some time reviewing it.
Contact:
https://www.averywealth.com/
517-783-1695
One of the buzzwords around financial planning and investment management is fiduciary. On today’s show we are going to spend some time talking about what a fiduciary is and if a fiduciary may be appropriate for your needs.
Contact:
https://www.averywealth.com/
517-783-1695
Today we are going to discuss one of the most powerful tools in financial planning. The Roth IRA. They have been around for over 20 years, but many people don’t fully understand what they are and if they should be using them. Hopefully we will be able to clear much of that up today for everyone listening!
Contact:
https://www.averywealth.com/
517-783-1695
One of the more confusing parts of owning a retirement account is required minimum distributions. Today we are going to jump into the topic and try to help you better understand what RMD’s are and how they can affect your retirement planning.
Contact:
https://www.averywealth.com/
517-783-1695
When we think about receiving a large lump sum of money, we tend to look at that as a positive thing. However, if you look at the statistics among NFL players and lottery winners, they end up filing for bankruptcy only a couple years after receiving those big checks. On today's show, Dan and Brent talk about some proactive steps you should take when receiving a large amount of money and where most people go wrong.
Contact:
https://www.averywealth.com/
517-783-1695
College is one of the most expensive investments you will make in your life. But most people do not shop for college in the same way they would for a house, or car. Instead, they ask their child what university they're interested in, visit the campus, and worry about the cost later. Dan and Brent talk to us about a tool that will help compare prices between different universities and help shop smarter for college.
Contact:
https://www.averywealth.com/
517-783-1695
On this show, we want you to look at your finances in a different way: visually. Research shows that many people learn and understand concepts better when they can see them in a visual format versus in other ways. So Brent and Dan are going to break this down today and discuss some of the tools they use to present information visually.
Contact:
https://www.averywealth.com/
517-783-1695
Today's episode is all about better understanding your 401(k) plan and strategies that you may be able to use to optimize it.
Contact:
https://www.averywealth.com/
517-783-1695
Today’s episode is all about keeping tabs on where you have been, where you are currently, and where you are heading. Dan and Brent consider this one of the biggest keys to long-term success. It also can be one of the most challenging tasks when dealing with money.
Contact:
https://www.averywealth.com/
517-783-1695
On today’s episode we are going to discuss the importance of understanding your tax return and how it can contribute to building more wealth. We all know that taxes are a reality and that they can be confusing! Hopefully we can help improve your understanding on the subject and provide a great tool to help you understand your specific return better.
Contact:
https://www.averywealth.com/
517-783-1695
Diversification is one of the most important fundamental investing ideals. This concept seems to be misunderstood and many people's portfolios aren't truly diversified. We address what proper diversification might look like and debunk some of the popular misconceptions.
Contact:
https://www.averywealth.com/
517-783-1695
There are many people that feel like they will never be able to retire. They worry that they will not have enough money to live off of to be comfortable, but this can be solved by developing an income plan. Knowing where your different streams of income are coming from each month can ease this worry and give you the confidence to finally retire. Dan and Brent talk us through how they build income plans for their clients and what considerations they have to make throughout this process.
Contact:
https://www.averywealth.com/
517-783-1695
Medicare can be difficult to understand because it contains a variety of moving parts. There are a lot of misconceptions about the coverage you receive and what the different parts provide. Dan and Brent look to clear up some confusion with Medicare and discuss the penalties if you apply late and some possible remedies to solve that situation.
Contact:
https://www.averywealth.com/
517-783-1695
College debt is a hot topic in the United States right now. Year after year, the cost of college continues to get more expensive and students graduate with a large amount of debt as they enter the workforce. On today's show, we talk about some proactive strategies you can do to hopefully cut down on some of the costs.
Contact:
https://www.averywealth.com/
517-783-1695
Today we are going to have some fun with financial goals and help you realize that everyone has things that are important to them and often through a simple conversation with a qualified advisor, you can quickly get excited about your financial future and begin to make progress towards the things that are most important to you.
Contact:
https://www.averywealth.com/
517-783-1695
In today’s episode we are going to talk about some of the recent financial news around GameStop and Bitcoin and in a funny way, how they may relate to diet pills.
Contact:
https://www.averywealth.com/
517-783-1695
Most financial professionals make it a point to have an annual review done with you to look over your portfolio and see how everything has been doing. These reviews should make you feel secure in your plan moving forward, however, some advisors have this review to see if they can sell you another financial product. Dan and Brent talk today on what their annual reviews look like and some red flags you should be weary of.
Contact:
https://www.averywealth.com/
517-783-1695
2020 was not an easy year to be an investor in the stock market. After nearly a decade of a bull market, things quickly took a sharp downturn in March with news of the pandemic. This decline instilled fear in a lot of people and caused some to even pull their money out of the market at a loss. Today the Dan and Brent look back on the stock market's performance for 2020 and put some numbers behind a hypothetical portfolio going through a year like 2020.
Contact:
https://www.averywealth.com/
517-783-1695
This is the last installment of our retirement phase series. It's not easy to discuss how you would like your assets to be distributed when you are gone, but it is certainly an essential conversation to have. We take a look at some items you should review, making your assets tax-efficient, and much more.
Contact:
https://www.averywealth.com/
517-783-1695
Now that you have accumulated money and have transitioned into retirement, it's important to strategically plan out how you will use your assets to live off of. We discuss how to make your distribution plan efficient and a couple things to take a closer look at when you enter this phase.
Contact:
https://www.averywealth.com/
517-783-1695
This week we are diving into part two of our four-part series on the different stages of money, which includes accumulation, transitioning into retirement, the distribution phase, and your legacy. So today we get to talk about what many people get most excited about, transitioning into retirement.
Contact:
https://www.averywealth.com/
517-783-1695
This week we are kicking off a 4-part series on the different stages of money, which include accumulation, transitioning to retirement, the distribution phase, and your legacy. Over these sessions we hope to give our listeners some key elements to focus on during these different stages so they can optimize their long-term financial health.
Contact:
https://www.averywealth.com/
517-783-1695
There are a few essential documents that you should have taken care of, so if something were to happen to you, your loved ones aren't guessing on what to do. Brent and Dan run through this checklist and give examples of how helpful this has been for some of their clients.
Contact:
https://www.averywealth.com/
517-783-1695
Social Security is one of the most complex components to a financial plan. That's why Dan and Brent created a handout to help clients understand Social Security better. We'll go through the 4 insights on their handout today to hopefully give some guidance to the listeners out there.
Contact:
https://www.averywealth.com/
517-783-1695
On the last episode we talked about how college debt is ruining family’s ability to retire on- time. For parents, the debt is impacting their retirement savings and for their kids, they are often times drowning in debt before they even get started. Today we are going to talk about how you can make an informed, intentional decision when picking a college so that you can avoid some common mistakes families make when sending their kids to college.
Contact:
https://www.averywealth.com/
517-783-1695
We have all see the statistic on college debt and today we are starting a two-part series on late- stage college planning. Today’s podcast part one that will cover why college debt is an issue for families, how it is impacting them and how to avoid common mistakes.
Contact:
https://www.averywealth.com/
517-783-1695
For many years, people have put the majority of what they saved for retirement into a 401k account. This can create some complications down the road because it is a pre-tax investment vehicle. Dan and Brent talk to us today on why you may want to consider other types of investments to avoid a huge tax bill in the future.
Contact:
https://www.averywealth.com/
517-783-1695
Mortgage rates are at historically low rates right now and this has caused a lot of people to think about buying a house. Dan and Brent will give us a run down of what to know when it comes to finding the right mortgage that fits you and your lifestyle.
Contact:
https://www.averywealth.com/
517-783-1695
It is a life event that can be one of the most difficult things to go through both emotionally and financially. When one spouse dies, the remaining spouse is left to wrestle with a mountain of questions and choices. And although it’s difficult to discuss, proper planning can help make it easier to transition through this major life event. Let’s explore what someone should do in the event of a spouse’s passing, but also some of the pre-planning that can take place.
Contact:
https://www.averywealth.com/
517-783-1695
Most people don’t realize what their risk tolerance is and how much it can affect their portfolio. We discuss three important considerations wehn trying to determine how much risk someone can truly handle
Contact:
https://www.averywealth.com/
517-783-1695
We will be covering our three-part advisory process that allows families to design, build and protect a comprehensive long-term plan that reflects what is most important to them, including their values, needs, concerns and hopes. Today we will focus on the final part, which is protecting your plan.
Contact:
https://www.averywealth.com/
517-783-1695
We will be covering our three-part advisory process that allows families to design, build and protect a comprehensive long-term plan that reflects what is most important to them, including their values, needs, concerns and hopes. Today we will focus on the second part, which is building your plan.
Contact:
https://www.averywealth.com/
517-783-1695
Over the next three episodes we will be covering our three-part advisory process that allows families to design, build and protect a comprehensive long-term plan that reflects what is most important to them, including their values, needs, concerns and hopes. Today we will focus on the first part, which is designing your plan.
Contact:
https://www.averywealth.com/
517-783-1695
Many families have been worried about the declining value of their portfolios and it's opened their eyes to the shortfalls in their investment strategies. Let's talk about the challenges people face when they work without a plan and what you can do to begin that process.
Contact:
https://www.averywealth.com/
517-783-1695
Dan and Brent typically hear four key questions from people that are deciding whether or not to work with a financial advisor. On this episode, we'll explain why a process is essential for building a plan that you know will cover every detail of your retirement.
Contact:
https://www.averywealth.com/
517-783-1695
Dan and Brent typically hear four key questions from people that are deciding whether or not to work with a financial advisor. On this episode, we'll address one of the most important questions that gets asked by explaining how fees are structured, different costs you could incur, and how to find out the exact answer.
Contact:
https://www.averywealth.com/
517-783-1695
Dan and Brent typically hear four key questions from people that are deciding whether or not to work with a financial advisor. On this episode, we'll explain the four different levels of advisor and how to identify which is best for you.
Contact:
https://www.averywealth.com/
517-783-1695
Dan and Brent typically hear four key questions from people that are deciding whether or not to work with a financial advisor. On this episode, we'll talk about how you determine if an adivsor is something you need for your retirement.
Contact:
https://www.averywealth.com/
517-783-1695
Welcome to The Retirement Cafe Podcast with Dan Reese and Brent Oliver. On this first episode, we get to know some personal information about the guys as well as their goals for this podcast.
Contact:
https://www.averywealth.com/
517-783-1695
Explore ancient Chinese wisdom, and discover whether times of financial crisis might actually be an opportunity. Learn the dirty little secrets of the financial industry. Finally, make sure you never make certain assumptions about retirement.
Remember that old retail saying "the customer is always right?" We'll explain why that might not always be the case. Later, we'll take your questions on houses and how they'll affect your portfolio. We'll also explore how certain financial principles have become obsolete.
Dan and Brent get philosophical, and ponder important financial questions. We'll also give you the good news and bad news about your finances. Finally, join us as we unpack long-term care.
Learn the different types of risk that could affect your portfolio. Get a gut reaction from Dan and Brent on some crucial statistics. Finally, we'll give you three qualities of money.
Dan and Brent tour the "Market Crash Hall Of Fame", and go over some of the famous crashes in American history. Be sure you are prepared for the next one. Then, they'll discuss some things that are never said about finances, as well as things in the investment world that could drive you crazy.
Remember that old retail saying "the customer is always right?" We'll explain why that might not always be the case. We'll also grade your financial competency and unpack the concept of variable annuities.
Determine whether you're defensive when talking about retirement. Learn why mutual funds are out of style and whether debt is good in retirement.
There are financial lessons to be learned from almost every area of life. Let's see what we can learn from the weather. We'll also establish some financial commandments and spend time talking directly to the Baby Boomers who are listening.
Watch out for market volatility. We'll prepare you for the ups and downs on Wall Street. We'll also examine the power of hindsight and take a look at some stuff you just need to know.
In the spirit of the Olympics, learn how financial planning could be similar to your favorite event. We'll also take your questions on houses and how they'll affect your portfolio. Finally, we'll explore how certain financial principles have become obsolete.
Make sure you're avoiding key behaviors that could ruin your retirement. We'll also discuss longevity and examine a recent case study on IRAs.
Wary of another market crash? Have no fear. Listen for our Market Crash Survival Guide. We'll also help you as you build your financial house and discuss financial challenges unique to women.
Stop clinging to false hope in your portfolio. Learn the classic mistakes you could be making as a pre-retireee, and unpack the challenges you might face after the death of a spouse.
Learn to invest like a genius and determine whether you need a traditional or Roth IRA. Finally, let's make sure your financial actions are lining up with your words.
Discover what common mistakes you could be making in your portfolio. We'll also share some strategies that just don't work and listen to the wisdom of Mark Twain.
Here comes 2018! Kick off the new year with your own financial checklist. Later on, discover the hidden gems in your portfolio and take inventory of your biggest assets.
Retirement planning is like a crossword puzzle. Find out how one wrong "answer" will affect the rest of your retirement plan. Later on, life happens. Learn how different events should factor into your portfolio.
Getting lost is never fun. This week, make sure you don't get lost in your financial planning. We'll also confidently proclaim financial truth and discover the different stages of retirement.
Explore your inner desire to retire, set firm financial goals, and discover how to complete a roth conversion along the way.
We'll tell you about the awkward conversations you might have with your advisor. We'll also keep you from sabotaging your financial health and correct your estate planning mistakes.
We'll teach you the lies you learn in broker school and take a trip to the retirement farm.
Everyone likes a healthy bank account. Learn the value of keeping a little cash on hand. Guard yourself against financial media and start preparing your end of the year checklist.
Determine whether you're defensive when talking about retirement. Learn why mutual funds are out of style and whether debt is good in retirement.
Let's look for the silver lining in your finances. We'll also clear up the confusion surrounding Social Security. Finally, learn what traits you should look for in a financial advisor.
We'll tell you about the awkward conversations you might have with your advisor. We'll also keep you from sabotaging your financial health and correct your estate planning mistakes.
Learn about the variables and constants that will affect your retirement. Make sure you're living your retirement without regrets.
Discover the connection between flying and your retirement plan. Prepare yourself for the next market crash, and learn why your last decade at work is so important.
Your advisor might be a great guy, but that doesn't mean he's the best fit for you. Learn why the nice-guy argument doesn't hold up, de-bunk some financial myths, and examine the missteps even responsible savers can make.
It's easy to procrastinate, but we'll show you the importance of urgency in retirement planning. We'll also play the blame game and do a little fourth quarter planning.