Retire Smarter: Recent Episodes
Bryan Baca
What have you done to protect yourself from another recession? Can you afford to ride the waves of a volatile market? Planning for retirement is not a guessing game. Now is the time to plan! When the paychecks stop but the bills keep coming, how are you going to maintain your lifestyle? For more than two decades, Bryan Baca has been using customized strategies to help people just like you build a successful retirement that includes guaranteed lifetime income. Bryan’s son Briley, has joined the family business and works closely with his father to help people just like you have a stress free retirement!
Together, Bryan and Briley host a local radio show, “Retire Smarter,” every Saturday and Sunday morning at 7 a.m. on KCLI 99.3FM Newstalk. Each week, they discuss the latest financial headlines and share customized strategies to help you create, grow, and protect your wealth!
Is it just the rate of return? Well, motivational speaker & author Tony Robbins tells CNBC that you might be missing the boat if you don’t also consider the fees you’re paying… PLAY AUDIO: Tony Robbins – Impact of Fees (CNBC) Is it really that much? How can we find out what we’re paying?, We’ve all heard the statistic: An estimated 10-thousand baby boomers retire, every single day. But considering what’s happened as a result of the pandemic, I’m guessing a lot of boomers may be second-guessing that. What’s your advice for listeners who want to retire, but are no longer sure they can?
Question: Do you think you pay too much in taxes … just the right amount … or too little? That’s a trick question because we all pay too much! But IRA expert Ed Slott tells The Motley Fool that’s our own fault… Bryan and Briley discuss the importance of tax planning – and how we get started with a plan.
President Biden is proposing major tax increases – but he insists they’ll be limited to corporations and rich people. Who is likely to be hit hardest by these “limited” taxes and is there anything we can do about that? Hear how Bryan and Briley can help YOU put together a tax strategy to help you be more tax efficient in retirement!
CNBC’s Kate Fazzini says older Americans are still a prime target for scammers. Hear Bryan and Briley's advice on keeping your financial information secure from scammers, robo callers and more!
Now that the $1.9 trillion stimulus plan is a done deal, there are rumblings that the Biden administration’s next move will be a big tax increase. Morningstar asked IRA expert Ed Slott if it’s too soon for us to begin preparing for that possibility and he went on to say that – for some things – you can control your own tax rate. How do we do that?
I know some people who are planning their retirement around the idea that the tax rate on their retirement account is going to be a lot lower after they quit working. Is that a reasonable assumption to make? Wouldn’t it be nice if you could put your entire nest egg in the market and know that you’ll earn a nice return on your money? Unfortunately, we don’t know that because the markets can be risky. Hear how Bryan and Briley can help you prepare for whatever comes your way from Uncle Sam and how to protect yourself from market volatility!
Steve talks about a survey by the Magnify Money website found that the ATM fee is the single most hated of all the fees we pay. But, as annoying as ATM fees are, I think there are probably others that cost us more money. So, does that mean we’re worrying about the wrong fees?
It was a surprise announcement from Jeff Bezos … who says he’s decided to retire as CEO of Amazon. Does being wealthy make it easier for someone to walk away, without worrying about all the financial details? Or do high-earners perhaps need even more planning than the typical worker?
Then, how can you increase your retirement account balance without making a deposit? By cutting back on the fee percentage you’re paying. Steve discusses what he usually finds when he does fee analysis for clients - it will shock you!
When it comes to claiming Social Security, The Motley Fool says there are certain mistakes that couples tend to make. Bryan and Briley discuss some common mistakes and how you can avoid them!
What kind of stock market do you think we can expect this year? Investment strategist Jeremy Grantham tells Bloomberg that stocks are in a “bubble” and he believes that bubble could be popped by President Biden’s proposed stimulus package. So, for those of us who are hoping to retire within the next few years, what does that mean for us? Could we see some big market volatility this year and how can we protect our assets?
The New York Times says people who own the digital currency Bitcoin have either forgotten, or lost, the passwords to $140 billion worth of the crypto-currency!
A new year brings the threat of new problems – created by Congress. With potential BIG tax changes coming our way under the new Biden administration, is there any way to protect our retirement accounts from Congress?
There is another open enrollment period for Medicare that runs now through the end of March - are you prepared? Since we just went through an enrollment period, what’s this one for?
Then, whats it like to work wit Bryan and Briley? Bryan shares a childhood memory that helped him become the successful financial advisor he is today and Briley explains why he followed in his Dad's footsteps.
What would you be willing to sacrifice in exchange for retiring ten years sooner than planned? According to a new Finance-Buzz survey, a third (32%) of Americans would give up shopping for two years. A fourth (26%) would agree to quarantine for an additional six months. And 8% would even give up the family pet! What does it take to be able to retire early?
- 27% would take either a second or a third job.
- 25% would downgrade to a substantially smaller home.
- 23% of survey respondents would be willing to forego coffee or alcohol.
- 13% would take a job they know they’d hate.
- 11% would give up TV, movies, and books.
Schedule a Second Opinion Meeting with the Baca's today!
Do people ever describe you as a “creative” type? Unfortunately, researchers at Texas Tech University say that means you’re likely to go through your retirement savings more quickly than someone who’s not creative. On the other hand, people who are “conscientious” supposedly spend down their nest egg at a much slower rate. Who knows – maybe personality traits can tell us something about our financial future – or maybe it’s just another silly study? Hear Bryan and Briley explain how they help their clients NEVER run out of money.
Happy New Year!
We wanted to take this time to introduce ourselves again to our audience. Hear why we are passionate about helping you plan for retirement, get to know us a little better and hear how we can help you!
Bryan and Briley, the father/son team of Advanced Financial Solutions, spotlight their work and personal life. Hear about Bryan's greatest joy in life and the life lessons he has taught his son Briley, they he carries into his professional life.
Many of us bought a term life policy when we were younger – and now we’re at an age where those policies are about to expire. At this stage in life, what might our insurance needs be?
Then, about half the retirees surveyed by the Consumer Financial Protection Bureau were forced to make big spending cuts within five years of retiring! How do we make sure now that our nest egg is going to last us longer than just a few years?
I have a “chicken or egg” kind of question for you: Market Watch says three-fourths of all investors manage their own finances. But when you narrow it down to just the “wealthy” investors, two-thirds of them use a financial advisor. So, the question is … do the wealthy use an advisor because they’re wealthy, or did the advisor help them become wealthy?
With all the attention on the recent election, you might have missed the news that Congress is considering another retirement bill – they’re calling this one the “Securing a Strong Retirement Act of 2020.” Is there anything in this legislation that our listeners should know about? What’s your biggest fear about retiring? For many, it’s the fear that they might run out of money. And, as our lifespans grow longer, that’s a legitimate concern. We're living longer so how do we make sure we don't run out of money?
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Have you enrolled for medicare? It's open enrollment until December 7th and we know how confusing it can be weighing the options of which program is best for you and your specific situation. But, this is something we do everyday, let us take the stress away and help you make the best decision for you, and your healthcare needs!
Come see us today and lets get started!
Expense ratios, sales loads, trade commissions, front-end loads. Those are all fancy terms for some of the different fees you might be paying on your investments, without even realizing it. What do our listeners need to know about fees, and about how fees can affect their retirement?
The, what does it mean to be a fiduciary? And finally, what is a first meeting like with Bryan and Briley - find out!
Schedule a Second Opinion Meeting with the Baca's today!
The election is DAYS away and in the last Presidential debate, President Trump said that without him, "the market and your 401K will go down!" Bryan and Briley discuss if there is any weight to this projection.
Plus, it looks like tax hikes are on the way, do you have a tax strategy in place? Have you heard of a Roth IRA and know what a Roth can do for you today?
Call today to schedule your Second Opinion Review !
Meet Bryan and Briley Baca, of Advanced Financial Strategies! For more than two decades, Bryan has been using customized strategies to help people just like you build a successful retirement that includes guaranteed lifetime income. Bryan’s son Briley, has joined the family business and works closely with his father to help people just like you have a stress free retirement!
Hear what makes both Bryan and Briley passionate about helping YOU cross that retirement finish line with confidence. What lessons were they taught in life that brought them to where they are today and how do those impact their daily work.
Best of all, give them a call today and schedule a time for your Complimentary Portfolio Review. With everything that 2020 has brought us, you cant afford to lose more money or opportunities. Plus, how will the upcoming election impact your finances? Find out when you meet with the Baca's!