The Life By Design Podcast: Recent Episodes
Royal Standley
Royal Standley of Oregon Pacific Financial Advisors, offering Securities through United Planners Financial Services, Member FINRA, SIPC, shares his planning approach to help people toward a place where they may be at peace regarding their financial goals. In this dynamic podcast, Royal will share his insights on how to design a retirement plan to help you plan for your future.
Have you ever gotten a call from your bank or the government asking for money to protect your identity or finances? Or heard about scams like these in the news? How can you prevent yourself from falling prey to these predators?
Royal Standley tackles the pressing issue of identity theft and scams, providing practical tips and real-life scenarios to help listeners safeguard themselves. He highlights the necessity of proactive measures such as secure mail handling and document shredding, while cautioning against deceptive practices like fraudulent urgent calls, and stresses the importance of skepticism and verification.
Royal discusses:
- Identity theft and scams, what they look and sound like, and who they target
- Practical steps to help you prevent identity theft
- How technology is used to protect you but also can be an advantage for the scammers
- The steps to take if you become a victim of identity theft
- And more
Reference:
- LifeLock
Connect with Royal Standley:
- Oregon Pacific Financial Advisors
- About Royal Standley
- Schedule Online with Royal Standley
- (541) 772-1116
- Email Royal Standley
Discussions in this show are for educational purposes only. Information presented should not be considered specific investment advice or a recommendation to take any particular course of action. Always consult with a financial professional regarding your personal situation before making financial decisions. The views and opinions expressed are based on current economic and market conditions and are subject to change. All investing involves risk, including the potential for loss of principal. Securities offered through United Planners Financial Services (UP), Member FINRA/SIPC. Advisory Services offered through Oregon Pacific Financial Advisors, Inc. (OPFA). OPFA & UP are independent companies. Neither OPFA nor UP offers tax or legal advice.
The term volatility brings feelings of uncertainty and unease when it comes to the investment market. What if you knew about some strategies that are used to maximize returns in low-interest rate environments?
Explore investment options and information to navigate uncertain times in the market while learning about strategies ot leverage annuities, bonds and high yield investments from Royal Standley. Royal touches on the volatility and uncertainty in the market and the importance of having a long-term perspective.
Learn more about:
- Investment strategies focused on low-interest rate environments
- The importance of finding higher-yield investments for cash savings
- Why fixed annuities are a safe investment option with guaranteed interest rates
- Concerns about potentially missing out on market gains with fixed annuities
Connect with Royal Standley:
- Oregon Pacific Financial Advisors
- About Royal Standley
- Schedule Online with Royal Standley
- (541) 772-1116
- Email Royal Standley
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Discussions in this show are for educational purposes only. Information presented should not be considered specific investment advice or a recommendation to take any particular course of action. Always consult with a financial professional regarding your personal situation before making financial decisions. The views and opinions expressed are based on current economic and market conditions and are subject to change. All investing involves risk, including the potential for loss of principal. Securities offered through United Planners Financial Services (UP), Member FINRA/SIPC. Advisory Services offered through Oregon Pacific Financial Advisors, Inc. (OPFA). OPFA & UP are independent companies. Neither OPFA nor UP offers tax or legal advice.
Your financial advisors aren’t that much different from you. They deal with their own financial struggles and face their own problems when it comes to money. That personal experience can even help them advise clients better in the future.
In this episode, Royal Standley is joined by Chris Bautista, of Oregon Pacific Financial Advisors, who shares his background and experiences with financial struggles and bankruptcy. Chris shares his journey of owning a business and subsequently losing it during an economic downturn before finding his new path in life.
Chris discusses:
- His professional background leading up to how he became a financial advisor
- How his experience with bankruptcy shaped his interactions with clients
- The importance of balancing personal life with financial advising
- How different generations interact with money and why
- Why he chose to become a financial advisor and become certified
- And more
Connect with Royal Standley:
- Oregon Pacific Financial Advisors
- About Royal Standley
- Schedule Online with Royal Standley
- (541) 772-1116
- Email Royal Standley
Connect with Chris Bautista:
- About Chris Bautista
- Schedule Online with Chris Bautista
- (626) 827-2474
- Email Chris Bautista
About Chris Bautista:
Chris Bautista is a passionate and results-driven professional in the financial services industry with a deep understanding of the intricate world of finance. With extensive experience working with both individuals and businesses, he is committed to helping his clients achieve their financial goals and navigate the complexities of today’s economic landscape. Chris’ expertise lies in providing personalized financial advice, developing tailored strategies and implementing effective wealth management solutions. By leveraging his knowledge and staying abreast of the latest market trends, Chris strives to deliver comprehensive and innovative financial solutions that empower his clients to make informed decisions and secure their financial futures.
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Discussions in this show are for educational purposes only. Information presented should not be considered specific investment advice or a recommendation to take any particular course of action. Always consult with a financial professional regarding your personal situation before making financial decisions. The views and opinions expressed are based on current economic and market conditions and are subject to change. All investing involves risk, including the potential for loss of principal. Securities offered through United Planners Financial Services (UP), Member FINRA/SIPC. Advisory Services offered through Oregon Pacific Financial Advisors, Inc. (OPFA). OPFA & UP are independent companies. Neither OPFA nor UP offers tax or legal advice.
Have you ever had a scam call that sounded legitimate? Maybe had someone you know fall for what seems like an obvious scam?
In this episode, Royal Standley explores ways to protect oneself from falling victim to scams, such as verifying phone calls and not trusting unfamiliar emails or messages. Royal shares personal experiences and statistics related to fraud, emphasizing the vulnerability of older individuals.
Royal discusses:
- How prevalent scams are in an age of technology
- Some of the most common scams and how to prevent yourself from falling for them
- Why older individuals are more vulnerable to scams
- His personal experience with scammers
- What to do if someone is being scammed
- And more
Connect with Royal Standley:
- Oregon Pacific Financial Advisors
- About Royal Standley
- Schedule Online with Royal Standley
- (541) 772-1116
- Email Royal Standley
Discussions in this show are for educational purposes only. Information presented should not be considered specific investment advice or a recommendation to take any particular course of action. Always consult with a financial professional regarding your personal situation before making financial decisions. The views and opinions expressed are based on current economic and market conditions and are subject to change. All investing involves risk, including the potential for loss of principal. Securities offered through United Planners Financial Services (UP), Member FINRA/SIPC. Advisory Services offered through Oregon Pacific Financial Advisors, Inc. (OPFA). OPFA & UP are independent companies. Neither OPFA nor UP offers tax or legal advice.
Are you looking for inspiration to overcome challenges and establish your own business?
Interested in how effective strategies can create a values-driven workplace and enhance your leadership skills? The company culture could be the key.
In this episode, Royal Standley speaks with Lisa McClease-Kelly, Co-Owner of Kelly’s Automotive Services, as she opens up about her move to Oregon, the challenges she tackled while building her business, and why values and community support matter deeply. As a business coach, she dives into understanding different personalities and adapting leadership styles when cultivating a culture of gratitude within the workplace.
Lisa shares:
- The challenges she faced after moving from California to Oregon, both personally and professionally
- Why Kelly’s Automotive Services prioritize “values” when it comes to their staff in order to achieve a high level of customer loyalty and satisfaction
- How she coaches other businesses on culture and communication and connecting with their community
- How she uses the DiSC style to assess the staff and the organization’s culture
- What business leaders of different size corporations can do to start finding more meaning or purpose in their business to impart to their employees
- How her connection with her community has helped grow her business
- The role her faith plays in their volunteering efforts, and how can you incorporate similar values into your community involvement
- And more!
Connect with Lisa McClease-Kelly:
- LinkedIn: Lisa McClease-Kelly
- Kelly’s Automotive
- Business Coaching
- Oregon Network In Action
- Facebook: Oregon Network In Action
Connect with Royal Standley:
- Oregon Pacific Financial Advisors
- About Royal Standley
- Schedule Online with Royal Standley
- (541) 772-1116
- Email Royal Standley
About Our Guest:
Lisa McClease-Kelly a business communications coach who believes creating a culture of communication and community are an absolute necessity in business today. She helps her clients to achieve that in their businesses to increase productivity and cut down on turnover. Lisa is a business owner with over 25 team members. She has had great success, won lots of awards, but more importantly, she has made mistakes and learned from them.
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Discussions in this show are for educational purposes only. Information presented should not be considered specific investment advice or a recommendation to take any particular course of action. Always consult with a financial professional regarding your personal situation before making financial decisions. The views and opinions expressed are based on current economic and market conditions and are subject to change. All investing involves risk, including the potential for loss of principal. Securities offered through United Planners Financial Services (UP), Member FINRA/SIPC. Advisory Services offered through Oregon Pacific Financial Advisors, Inc. (OPFA). OPFA & UP are independent companies. Neither OPFA nor UP offers tax or legal advice.
As a client, you want to know your financial planner will not only create a financial and retirement plan; you want them to care about how that plan can help you the best.
In this episode, Royal Standley is joined by Jenny Hamilton, a financial planner with Oregon Pacific Financial Advisors, in discussing her background and transition into the financial industry. Jenny dives into how she helps clients better understand their financial opportunities and connects with clients on a personal level to help them better.
Jenny shares:
- Her work experience before becoming a financial planner
- How empathy and organization play a role in her approach to financial planning
- Why she focuses on clients in the manufacturing industry nearing retirement
- Her involvement with the community and supporting financial literacy
- And more
Connect with Royal Standley:
- Oregon Pacific Financial Advisors
- About Royal Standley
- Schedule Online with Royal Standley
- (541) 772-1116
- Email Royal Standley
Connect with Jenny Hamilton:
- About Jenny Hamilton
- JennyHamilton.net (Blog)
- (541) 331-0104
- Email: Jenny@opfa.com
About Jenny Hamilton:
Jenny Hamilton is a financial planner and compassionate advocate with a personal mission to see and value people. Jenny uplifts her clients, encourages their personal growth and stands beside them as they harness their strengths to achieve their goals. She wants to help others be confident in who they are and the decisions they make and to help their finances reflect what’s really important to them, now and in the future.
Jenny comes to Oregon Pacific Financial Advisors from an 18-year career at Columbia Forest Products where she held positions in HR, Accounting, Purchasing and Supervision. She loved working with employees and vendors in various capacities and wants to help them, and others like them, to be sure and ready in setting the date for retirement when the time comes.
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Discussions in this show are for educational purposes only. Information presented should not be considered specific investment advice or a recommendation to take any particular course of action. Always consult with a financial professional regarding your personal situation before making financial decisions. The views and opinions expressed are based on current economic and market conditions and are subject to change. All investing involves risk, including the potential for loss of principal. Securities offered through United Planners Financial Services (UP), Member FINRA/SIPC. Advisory Services offered through Oregon Pacific Financial Advisors, Inc. (OPFA). OPFA & UP are independent companies. Neither OPFA nor UP offers tax or legal advice.
When it comes to podcasting, there are typically two groups of people talking. The main speakers share their insights on specific topics and the podcast host, is someone who keeps the topics flowing with questions and insights. In this episode, Royal Standley interviews the latest addition to his podcast, Bill Tucker, a podcast producer with … Continue reading From CNN to Podcasting: Bill’s Transition to a More Intimate Medium With Bill Tucker (Ep. 85) →
Boys Town has been working with kids and families since 1917, helping individuals involved in the court system to build towards a successful future with the ultimate goal being family reunification. In this episode, Royal Standley turns the tables to interview his own podcast producer and host, Aric Johnson, President & CEO of AXIS Coaching … Continue reading Exploring The Impact of Boys Town: Advocacy for Juvenile Justice Reform with Aric Johnson (Ep. 84) →
When meeting with a financial advisor, you are focused on building a financial and retirement plan based on numbers. Who is the person you are working with beyond the numbers? In this episode, financial advisor Royal Standley of Oregon Pacific Financial Advisors discusses his background, passion, and career in financial services. He specializes in retirement … Continue reading Who is Royal Standley and Who Does He Help? (Ep. 83) →
There is always someone talking about how technology will take over your jobs in the future. While that might not be entirely true, how can you ensure you adapt to changes within the workplace and protect yourself financially? In this episode, Royal Standley focuses on creating a solid financial plan for future career paths. He … Continue reading How to Future Proof Your Career Financially (Ep. 82) →
Creating a financial or estate plan is never a one-and-done endeavor. How can advisors help identify the potential problems in a plan and correct the problem before it happens to the client? In this episode, Royal Standley focuses on stress testing financial and estate plans to ensure the clients have saved enough for the lifestyle … Continue reading Will Your Estate Plan Survive a Stress Test? (Ep. 81) →
Most people don’t know that the government has hit the debt ceiling and the Treasury Department is struggling to balance the finances. What does this mean for the rest of America?
In this episode, Royal Standley explores what it means to hit the debt ceiling and why it is a big deal if there is no solution. He shares how hitting the debt ceiling impacts different levels of individuals, from government bodies to regular consumers, and how it impacts financial planning.
Royal focuses on:
- What debt ceiling is and why was it created
- Conservative versus Liberal viewpoints on the amount of debt owed by the government
- What could be a resolution with two conflicting parties
- What can listeners do with their own finances to guard against this type of scenario
- And more
Connect with Royal Standley:
- Oregon Pacific Financial Advisors
- About Royal Standley
- Schedule Online with Royal Standley
- (541) 772-1116
- Email Royal Standley
Discussions in this show are for educational purposes only. Information presented should not be considered specific investment advice or a recommendation to take any particular course of action. Always consult with a financial professional regarding your personal situation before making financial decisions. The views and opinions expressed are based on current economic and market conditions and are subject to change. All investing involves risk, including the potential for loss of principal. Securities offered through United Planners Financial Services (UP), Member FINRA/SIPC. Advisory Services offered through Oregon Pacific Financial Advisors, Inc. (OPFA). OPFA & UP are independent companies. Neither OPFA nor UP offers tax or legal advice.
During the shutdowns, those with social connections in their home or online experienced joy from not leaving the house. The reason? They had no reason to go out because they were still in contact with their friends and loved ones.
In this episode, Royal Standley explores the importance of social connections on longevity and health. Royal shares how different age groups can expand their communities and societies shift by taking the time to connect with those around, whether it’s calling up a friend, joining a local group or mentoring the next generation.
Royal discusses:
- How the pandemic revealed the impact of social connections on mental and physical health
- Where and what types of relationships can be cultivated as a person grows older
- How retirement communities encourage and build relationships between residents
- The importance of taking the time and effort to connect with others
- Spending time and building relationships with family
- And more
Connect with Royal Standley:
- Oregon Pacific Financial Advisors
- About Royal Standley
- Schedule Online with Royal Standley
- (541) 772-1116
- Email Royal Standley
Discussions in this show are for educational purposes only. Information presented should not be considered specific investment advice or a recommendation to take any particular course of action. Always consult with a financial professional regarding your personal situation before making financial decisions. The views and opinions expressed are based on current economic and market conditions and are subject to change. All investing involves risk, including the potential for loss of principal. Securities offered through United Planners Financial Services (UP), Member FINRA/SIPC. Advisory Services offered through Oregon Pacific Financial Advisors, Inc. (OPFA). OPFA & UP are independent companies. Neither OPFA nor UP offers tax or legal advice.
During the first few months of this year, there has been a lot of news causing financial uncertainty and impacting the country’s economy.
Is the rise of the Chinese Yuan something we should be concerned about? What movements are we seeing in the stock and bonds markets? Is it a good idea to invest in precious metals to cope with uncertainty?
In this episode, Royal Standley analyzes the topics that have stood out the most in the first part of the year and those that have also generated panic and uncertainty in the market. Royal talks about the importance of planning and organizing our wealth during advanced ages of life, the current situation of the uncertainty of the US dollar with the rise of the Yuan, and the actuality in the stock and bonds markets.
Royal discusses:
- Common concerns related to the banking system, currency, and national debt
- An increase in dementia diagnosis and the need for planning and having conversations about long-term care early on as cognitive decline is a natural part of aging
- The concern about the potential impact on the US economy if the Yuan were to rise and the US dollar were to fall
- Why individuals should be cautious when buying precious metals as a way of coping with the currency uncertainty
- How social media only covers panic in the markets and ignores factors that create stability
- The current state of the stock and bond markets
- The importance of having a diversified portfolio
- And more!
Connect with Royal Standley:
- Oregon Pacific Financial Advisors
- About Royal Standley
- Schedule Online with Royal Standley
- (541) 772-1116
- Email Royal Standley
Discussions in this show are for educational purposes only. Information presented should not be considered specific investment advice or a recommendation to take any particular course of action. Always consult with a financial professional regarding your personal situation before making financial decisions. The views and opinions expressed are based on current economic and market conditions and are subject to change. All investing involves risk, including the potential for loss of principal. Securities offered through United Planners Financial Services (UP), Member FINRA/SIPC. Advisory Services offered through Oregon Pacific Financial Advisors, Inc. (OPFA). OPFA & UP are independent companies. Neither OPFA nor UP offers tax or legal advice.
As you move through life your financial situation changes. Maybe you change careers, start a family or experience a life-changing situation. No matter what happens, a financial advisor can help you stay on track.
In this episode, Royal Standley explores the relationship between advisor and client through the planning process. Royal shares a story to illustrate the process from the first meeting through planning for retirement and eventually bringing in the next generation as the client nears the end of their life.
Royal discusses:
- The story of how one client came to the company
- How advisors provide direction for the client’s financial plan based on their wants and needs
- The next step of planning at the end of the client’s life
- Why speaking with a financial advisor helps clients turn their ideas into reality
- And more
Connect with Royal Standley:
- Oregon Pacific Financial Advisors
- About Royal Standley
- Schedule Online with Royal Standley
- (541) 772-1116
- Email Royal Standley
Discussions in this show are for educational purposes only. Information presented should not be considered specific investment advice or a recommendation to take any particular course of action. Always consult with a financial professional regarding your personal situation before making financial decisions. The views and opinions expressed are based on current economic and market conditions and are subject to change. All investing involves risk, including the potential for loss of principal. Securities offered through United Planners Financial Services (UP), Member FINRA/SIPC. Advisory Services offered through Oregon Pacific Financial Advisors, Inc. (OPFA). OPFA & UP are independent companies. Neither OPFA nor UP offers tax or legal advice.There is no guarantee that any statements of future expectations will come to fruition. All information presented is collected from sources believed to be reliable, but may not be guaranteed.
After joining Oregon Pacific Financial Advisors over a year ago and with over 20 years of experience in the financial planning and insurance space, Michele Farrell has dug her roots in the industry by connecting with other professionals such as CPAs, estate planning attorneys and insurance professionals.
From picking herself up off her feet after a sudden death in her family, she was able to turn that despair into a learning moment by understanding their insurance needs and how she could help her loved ones move forward.
In this episode, Michele discusses:
- What motivated her to become a financial planner and her prior experience in this industry
- Some key differences that set her apart from other financial advisors
- Her story of empowering women and becoming a significant leader among women in this industry
- Her approach to aiding and guiding clients through their financial lives
- And more
Connect with Michele Farrell:
- About Michele Farrell
- LinkedIn: Michele Farrell
- Schedule Online with Michele Farrell
- (909) 367-3208
- Email Michele Farrell
Connect with Royal Standley:
- Oregon Pacific Financial Advisors
- About Royal Standley
- Schedule Online with Royal Standley
- (541) 772-1116
- Email Royal Standley
About Michele Farrell:
Michele’s passion and mission is to lead, inspire and educate women about financial literacy; to provide the tools necessary to lead a life of financial freedom. By helping women understand how money works, they can grow, protect their nest egg and leave a legacy for generations to come. Women gift so much to the world and yet so often are overlooked when it comes to financial planning. Through her educational approach, she empowers women to protect their dreams and live their purpose.
Michele’s work was recognized by the Los Angeles Tribune in 2020 as Financial Advisor of the Year “…for consistently putting the well-being of the community and her clients as her top priority.” She continues this work because she believes you deserve the absolute best when it comes to your hard-earned money, and should accept nothing less.
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Discussions in this show are for educational purposes only. Information presented should not be considered specific investment advice or a recommendation to take any particular course of action. Always consult with a financial professional regarding your personal situation before making financial decisions. The views and opinions expressed are based on current economic and market conditions and are subject to change. All investing involves risk, including the potential for loss of principal. Securities offered through United Planners Financial Services (UP), Member FINRA/SIPC. Advisory Services offered through Oregon Pacific Financial Advisors, Inc. (OPFA). OPFA & UP are independent companies. Neither OPFA nor UP offers tax or legal advice.
Financial planning designations are an alphabet soup of letters that aren’t always explained. How do you choose the right advisor for your planning needs?
In this episode, Royal Standley focuses on what the different designations mean, both for the advisor’s education and for the clients looking to find the right advisor. Royal explores how having more designations isn’t always the best option for providing great advice or time management.
Royal discusses:
- What the different titles for financial advisors mean for the services they provide
- Why finding a focused advisor rather than an advisor with multiple licenses can provide a better planning experience
- The importance of transparency between the client and their advisors
- How the advisor’s education impacts the way they advise their clients
Resources:
- Investopedia
Connect with Royal Standley:
- Oregon Pacific Financial Advisors
- About Royal Standley
- Schedule Online with Royal Standley
- (541) 772-1116
- Email Royal Standley
Discussions in this show are for educational purposes only. Information presented should not be considered specific investment advice or a recommendation to take any particular course of action. Always consult with a financial professional regarding your personal situation before making financial decisions. The views and opinions expressed are based on current economic and market conditions and are subject to change. All investing involves risk, including the potential for loss of principal. Securities offered through United Planners Financial Services (UP), Member FINRA/SIPC. Advisory Services offered through Oregon Pacific Financial Advisors, Inc. (OPFA). OPFA & UP are independent companies. Neither OPFA nor UP offers tax or legal advice.
When the SECURE Act was first rolled out, clients were eager to learn more about the benefits they could receive. With the latest updates to the SECURE Act entering quietly, financial advisors and their clients might need to learn how to leverage these tools in the best way possible.
In this episode, Royal Standley focuses on the major points of the SECURE Act 2.0 that might affect most people and what this bill could mean from a planning standpoint. Royal reveals some of the updates to retirement planning tools that financial planners or clients may not have noticed yet and their role in boosting retirement income.
Royal discusses:
- How the SECURE Act 2.0 impacts the required minimum distribution during retirement
- The role of college saving 529 plans in financial planning
- What bonus individuals receive between the ages 60 and 63 due to the Secure Act updates
- How to gain a boost in retirement income along with a tax credit through an IRA
- And more
Connect with Royal Standley:
- Oregon Pacific Financial Advisors
- About Royal Standley
- Schedule Online with Royal Standley
- (541) 772-1116
- Email Royal Standley
Discussions in this show are for educational purposes only. Information presented should not be considered specific investment advice or a recommendation to take any particular course of action. Always consult with a financial professional regarding your personal situation before making financial decisions. The views and opinions expressed are based on current economic and market conditions and are subject to change. All investing involves risk, including the potential for loss of principal. Securities offered through United Planners Financial Services (UP), Member FINRA/SIPC. Advisory Services offered through Oregon Pacific Financial Advisors, Inc. (OPFA). OPFA & UP are independent companies. Neither OPFA nor UP offers tax or legal advice.
Creating an estate plan can be a lot of work, making sure everything is covered and all your assets are doing what you want them to. Not having one is even worse.
In this episode, Royal Standley focuses on estate planning, the tools to build a good estate plan and what happens if you don’t have one. Royal dives into the different pieces of estate planning and how having one can ease the way for future beneficiaries without creating confusion.
Royal discusses:
- How are assets divided in the absence of an estate plan
- The estate planning questions you should ask your attorney
- The information you should update on a regular basis
- What is the revocable trust and how does it fit within traditional estate planning
- Things to consider when naming beneficiaries, especially with real estate
- The importance of having a team of professionals to help with estate planning
Connect with Royal Standley:
- Oregon Pacific Financial Advisors
- About Royal Standley
- Schedule Online with Royal Standley
- (541) 772-1116
- Email Royal Standley
Discussions in this show are for educational purposes only. Information presented should not be considered specific investment advice or a recommendation to take any particular course of action. Always consult with a financial professional regarding your personal situation before making financial decisions. The views and opinions expressed are based on current economic and market conditions and are subject to change. All investing involves risk, including the potential for loss of principal. Securities offered through United Planners Financial Services (UP), Member FINRA/SIPC. Advisory Services offered through Oregon Pacific Financial Advisors, Inc. (OPFA). OPFA & UP are independent companies. Neither OPFA nor UP offers tax or legal advice.
The financial world took a hit during 2022, with the debate focused on “when” rather than “if” we will enter a recession. What do the investment and financial options of 2023 look like?
In this episode, Royal Standley reviews the past few years of investment choices and how those decisions will impact future investment decisions. Royal dives into the possibilities of a recession, how inflation will impact financial decisions and where real estate currently sits within investment planning for the future.
Royal discusses:
- What has happened in the world during the past three years
- How interest rates impact the likelihood of a recession
- What is coming in 2023 based on recent investments and inflation
- The global and political concerns for 2023
- How Oregon Pacific Financial Advisors can help clients
Connect with Royal Standley:
- Oregon Pacific Financial Advisors
- About Royal Standley
- Schedule Online with Royal Standley
- (541) 772-1116
- Email Royal Standley
Discussions in this show are for educational purposes only. Information presented should not be considered specific investment advice or a recommendation to take any particular course of action. Always consult with a financial professional regarding your personal situation before making financial decisions. The views and opinions expressed are based on current economic and market conditions and are subject to change. All investing involves risk, including the potential for loss of principal. Securities offered through United Planners Financial Services (UP), Member FINRA/SIPC. Advisory Services offered through Oregon Pacific Financial Advisors, Inc. (OPFA). OPFA & UP are independent companies. Neither OPFA nor UP offers tax or legal advice.
Inflation in the US is expected to continue rising, but it won’t last forever. In this episode, Royal Standley discusses the top four reasons he sees for inflation in the US. Royal explains where we’ve seen the biggest impact as well as what the government and Americans can do to help minimize the financial impact … Continue reading Inflation: Causes, Impacts & Expectations (Ep. 71) →
The world is constantly changing and it’s up to us to adapt. In this episode, Royal Standley shares the latest updates in his personal and professional life, recounting how recent events changed the way he focuses on advising clients. Royal talks about the changes he has experienced in addition to his vision and expectations for … Continue reading Adapting To The Changes In Life (Ep. 70) →
If you are just starting your financial planning or preparing for retirement, there are always questions on what to do and how to prepare your financial future. In this episode, Royal Standley answers some of the financial planning questions sent in by you. He dives into some of the uncertainties clients feel during the financial … Continue reading 69. Q&A on Financial Planning →
Everyone wants to earn money without breaking a sweat when it comes to investing. In this episode, Royal Standley discusses some strategies for liquid assets, how they can benefit you and what they can accomplish even while you’re sleeping. He also reveals how the difference between mutual funds and ETFs impact your investment decisions based … Continue reading 68. Strategies for Liquid Assets →
Everyone has heard the term financial planning over and over again. But do you truly understand financial planning as a whole? In this episode, Royal Standley shares what financial advising truly is, diving into what to look for as a client and the steps a financial advisor takes to create a financial plan. He reveals … Continue reading 67. Simplifying Financial Planning →
Everyone talks about what they plan to focus on in the new year. The real question is how are you going to maintain your resolution? In this episode, Royal Standley discusses what his plans are for 2022. He also shares his advice for maintaining your new year financial resolutions and how to remain accountable throughout … Continue reading 66. Maintaining Your New Year’s Resolutions →
When faced with unexpected expenses, reaching for your plastic can be an easy option. But easy is not always the best option. In this episode, Royal Standley discusses the importance of avoiding over-complicating an emergency fund and how you can build your own. He reveals how an emergency fund benefits your financial plan even before … Continue reading 65. The Fundamentals of an Emergency Fund →
The next generation will eventually inherit your IRA. How you prepare your accounts and beneficiaries today will impact the inheritance they will receive. In this episode, Royal Standley discusses the changes to IRA inheritance. He recounts how the SECURE Act changed IRA inheritance depending on the beneficiary’s age and relation to the deceased. Royal discusses … Continue reading 64. The IRA of the Next Generation →
Looking back over the past year, we have faced several challenges — from COVID to politics to the investment market — and we need to prepare for how these could impact us in the new year. In this episode, Royal Standley discusses what happened this past year and looks to the future. He recounts the … Continue reading 63. Preparing For The New Year of Unknowns →
During the pandemic, everyone expected the housing market to go down. Instead, it increased as more people fled from the cities. In this episode, Royal Standley is joined by Julianne Rawlins, from Cascade Sotheby’s International Realty. Julianne reveals the current real estate market and how the pandemic has affected buyers and sellers. She also discusses … Continue reading 62. Pandemic Real Estate with Julianne Rawlins →
Medicare can be a complicated system for medical insurance. Having someone who knows how to navigate the system can help you find the best plan for your needs. In this episode, Royal Standley is joined by Marla Kasdorf, owner at Kasdorf and Associates LLC, in discussing the world of Medicare. Marla shares what the end … Continue reading 61. The World Of Medicare with Marla Kasdorf →
According to the latest report from the government, social security is still losing money. What does that mean for your retirement plan? In this episode, Royal Standley dives back into social security as he reveals the latest update from the government. Royal discusses the current and future struggles with social security and how to prepare … Continue reading 60. Where Have All The Social Security Funds Gone? →
We would all love to have a crystal ball to show the future, but for now we will have to rely on the possibilities. In this episode, Royal Standley talks about the predicted stock market lows for the next 10 years. Royal explains the current stock market and predictions for the future based on current … Continue reading 59. The Future Of Low Returns →
You still need a source of income once you retire, but do you know what your options are for funding your retirement? More importantly, do you know the risks associated with each option? In this episode, Royal Standley discusses how you can fund your retirement and reveals several ways you can prepare your income for … Continue reading 58. What Are My Income Options After Retirement? →
With restrictions starting to lift and restaurants opening up, spending money during the summer is more tempting than ever. In this episode, Royal Standley discusses the importance of keeping your financial plan in mind as the world begins to reopen. Discover simple ways you can ensure your financial plan is up to date and benefiting … Continue reading 57. Prepare For Winter →
With physical contact being restricted due to Covid, kids and adults alike have adjusted how they play sports. In this episode, Royal Standley is joined by James Monroe, a financial advisor with Oregon Pacific Financial Advisors. James shares his ten years of experience coaching kids sports teams and how the lessons learned from coaching relate … Continue reading Episode 56 – Financial Planning For You, Coaching For Your Kids – with James Monroe →
When you start your own business, how will the business affect your retirement planning? In this episode, Royal Standley shares five of the biggest mistakes business owners make when planning their retirement. You will learn: The benefit of creating a retirement roadmap The importance of keeping personal and business assets separate Why you should hire … Continue reading Episode 55 – The Top Five Retirement Mistakes Business Owners Make →
The forced isolation of COVID-19 has impacted the inflation rate today and in the future. In this episode, Royal Standley dives into inflation, discussing how COVID-19 has impacted the economy. He reveals past examples of similar economic scenarios, how the future inflation rate may increase and the impact this could have on your retirement plan. … Continue reading Episode 54 – The Deflation of Economic Inflation →
Sometimes, one small mistake can completely derail your financial plan and stop you from achieving your life goals. In this episode, Royal Standley goes through a list of 15 common financial planning mistakes that he has encountered in working with clients over the years. Along with discussing the root causes of these mistakes, he also … Continue reading Episode 53 – How To Avoid 15 Common Financial Planning Mistakes →
Built in the fifties, Asante has grown to be the largest healthcare provider in Southern Oregon despite operating as a nonprofit. Now, it’s set to run the biggest fundraising campaign in the region – with a goal of $50 million! In this episode, Royal Standley speaks with Andrea Reeder, development director at Asante Foundation, to … Continue reading Episode 52 – The Biggest Healthcare Development Drive in Southern Oregon – With Andrea Reeder →
As the end of Covid-19 approaches with the rollout of vaccines, most people cannot wait to get away from their homes and enjoy a good vacation. Now might be the ideal time to start planning for it. In this episode, Royal Standley joins Shana Brewer, owner of Travel Leaders, and a highly experienced travel consultant. … Continue reading Episode 51 – Want To Travel Post-COVID? Here’s Everything You Need To Know – With Shana Brewer →
Children, teenagers, young adults, families – all of them are affected by housing instability to some extent. To address this problem, Royal Standley invites Mary Ferrell, founder and executive director of Maslow Project to the podcast. In this episode, Mary shares her years of experience in working with homeless people of all age groups, and … Continue reading 50th Episode Special – Making an Impact in the Community – With Mary Ferrell →
In the modern technological era, with everything moving towards digital, people often ask, “Why are libraries still relevant today?” In this episode, Royal Standley joins Rebecca Stoltz, executive director at The Josephine Community Library Foundation, to explain why libraries are not just a book repository, but a community center where people can connect and grow. … Continue reading Episode 49 – How Libraries Can Help You Learn, Connect and Grow – With Rebecca Stoltz →
You can’t create more time, but you can boost your productivity and efficiency by managing the limited time that you have. In this episode, Royal Standley addresses the biggest challenge faced by people in their day-to-day lives – time management. He discusses several tips and tricks to help you achieve your goals in a timely … Continue reading Episode 48 – Getting More Things Done in Less Time →
Market surveys show that a large number of business owners plan to exit their business in the next 5 to 10 years. Are you one of them? In this episode, Royal Standley shares a simple yet highly effective 7-step guide that helps you achieve maximum value from your business exit, whether it’s a sale to … Continue reading Episode 47 – A Simple 7-Step Guide To Optimize Your Business Exit →
Looking at drastic market swings, people often get emotionally overwhelmed and seek to “time” the market in the short-term. In this episode, Royal Standley highlights the importance of building a comprehensive plan that helps you get through the market turmoil, which may ultimately benefit you in the long-run. He also takes an extensive look back … Continue reading Episode 46 – How To Secure Your Financial Future Amid the Market Turmoil →
While a new born child calls for a lot of celebrations, it also gives rise to additional responsibilities for the parents. In this episode, Royal Standley covers the financial aspect of having a new child. Join him as he walks through the 3 most important things every new parent must look at – estate planning, … Continue reading Episode 45 – 3 Essential Things New Parents Must Plan For →
With several advancements in the search for a vaccine, we may be possibly approaching the end of COVID. And as we are also entering a new presidency, 2021 seems full of new possibilities and opportunities! However, you must have a strategic plan in place to make the most of those opportunities. In this episode, Royal … Continue reading Episode 44 – Financial Planning for 2021 and Beyond →
Imagine having your home paid off before retirement! In today’s episode, Royal Standley of Oregon Pacific Financial Advisors looks at how home ownership fits into your financial plan. Royal strives to help build a financial plan that includes paying off your mortgage. In this episode, you will learn: How home ownership integrates into your financial … Continue reading Episode 43 – Home Ownership in Your Retirement Plan →
Planning for your future can be tough, but it’s important to make sure that you have everything covered. Do you have plans in place for long term care needs? In today’s episode, Royal Standley discusses everything you need to know about long term care insurance and why it’s important to make sure you consider planning … Continue reading Episode 42 – What Planning Ahead Can Do For Your Dream Retirement →
There is never a perfect time to start, so why not start now? In today’s episode, Royal Standley of Oregon Pacific Financial Advisors shares his experience on setting goals. Whether you are looking to set short-term or long-term goals Royal explains ways to implement goal setting tactics into your financial life, career, family or health. … Continue reading Episode 41 – Setting Your S M A R T Goals →
Royal Standley introduces us to Emma Nelson, Associate Financial Planner, at Oregon Pacific Financial Advisors, Inc. In this episode Royal and Emma share how she entered into financial services and why she enjoys helping people build the financial resources to live their lives to the fullest. Emma also discusses her passion projects, favorite winter activities, … Continue reading Episode 40 – Meet the Team at Oregon Pacific Financial Advisors with Emma Nelson →
A coach is somebody that’s in it with you, for you and looking out for your best interests. In today’s episode Royal Standley introduces us to James Monroe, Financial Planner and Retirement Plan Specialist, who joined the team at Oregon Pacific Financial Advisors in March 2019. James shares how he got into financial services, what … Continue reading Episode 39 – The Coach To Your Financial Plan with James Monroe →
We don’t know where or when the next natural disaster is going to take place. In today’s episode Royal Standley shares what it looks like for clients who have lost everything in the Oregon fires. Royal helps explain the replacement coverage you need from your insurance policy and things you can do to try and … Continue reading Episode 38 – After the Smoke Is Gone →
Are you looking for the answers to your questions on Roth 401(k)? Join Royal as he unravels the information to help you understand your retirement savings. In this episode, Royal Standley explains the differences between IRAs and Roth IRAs. Should you look at converting? Royal helps explain the different types of money and your options. … Continue reading Episode 37 – 401(k) or Roth 401(k): Which One is Right For You? →
Election time is coming fast. How will the outcome of the 2020 U.S. election affect the market and your portfolio? In this episode, Royal Standley explains how the market typically reacts to a newly elected president and throughout a presidential term. Royal discusses what we saw with the markets during President Donald Trump’s term and … Continue reading Episode 36 – How Will the Markets React to the 2020 Election? →
So, you’ve landed your first job, you get your first paycheck, now what do you do with your money? How do you set yourself up for financial success? In this episode, Royal Standley discusses the importance of setting yourself up for success by setting habits and taking early steps for a financially secure life. In … Continue reading Episode 35 – Prepare for a Financially Secure Life →
A lot of people are planning to retire in 2020. Maybe you’re one of them. In light of COVID-19, would it be better for you to semi-retire, postpone it completely, or go ahead and retire full time? In this episode, Royal Standley helps you plan for your next move during this global pandemic. He walks … Continue reading Episode 34 – How to Retire During a Global Pandemic →
If you’re ready to move from learning about 401(k) basics to seriously considering how you will structure your business’s retirement plan, this episode is for you. In this episode, Royal Standley shares what business owners need to know when they’re evaluating a retirement plan for their business. Royal walks you through the roles that go … Continue reading Episode 33 – Your Next Steps to Building a Retirement Plan for Your Business →
Are you a business owner or a plan sponsor that’s looking to set up a retirement plan? In this episode of Life By Design Podcast, Royal Standley dives deep into the different retirement plan options and shares the key features of each. In this episode, you will learn: The three types of 401(k)s and how … Continue reading Episode 32: How to Build an Efficient Retirement Plan →
Are you curious about financial advisors and how they can help you? Do you know how to tell if you need one — and how to find the right one? These are just a few questions that Royal Standley receives on a regular basis by new and prospective clients alike. Today, Royal is sitting down … Continue reading Episode 31 – Answering Prospective Clients’ Frequently Asked Questions →
Do you think COVID-19 will change the way the world functions technologically, socially, financially or economically? In this episode of The Life by Design Podcast, Royal Standley shares his tips for financial recovery so that you can be prepared for whatever the new “normal” may look like. In this episode, you will learn: How to … Continue reading Episode 30 – How to Start Planning for Financial Recovery →
How has your financial plan been affected by the recent downturn in the market? In this episode of The Life by Design Podcast, Royal Standley suggests how to plan and prepare for times when the market is experiencing decline. In this episode, you will learn: Various potential reasons for an economic decline How to separate … Continue reading Episode 29 – What Should an Investor Avoid When Markets Are Facing a Downfall? →
In response to the COVID-19 pandemic, the American government has recently passed the CARES Act that will allow millions of people to access different benefits during this challenging time. In this episode, Royal Standley breaks down the different types of government assistance that Americans will now have access to, spanning from unemployment and student loan … Continue reading Episode 28 – All About the CARES Act –– With Royal Standley →
In this special episode, we share updates on how we are responding to the COVID-19 situation, how we’re assisting our clients, and what actions we’re advising investors to take during this time of uncertainty. Tune in now to learn how the markets are being affected and what we’re doing to help clients during this tumultuous … Continue reading SPECIAL UPDATE: COVID-19 →
Do you have the right type of insurance plan and amount of coverage for your family’s needs? In this episode, Royal Standley and James Monroe of Oregon Pacific Financial Advisors walk you through different life insurance policies. This down-to-earth conversation is all about helping you figure out which policy will give you the coverage you … Continue reading Episode 27 – How Much Insurance Coverage Do You Actually Need? — With James Monroe →
Reaching the 25-year mark is a tremendous feat for a small business. The silver anniversary of Oregon Pacific Advisors calls for a celebration! In today’s episode, Royal Standley walks down memory lane as he talks about the story of Oregon Pacific Advisors, the secrets behind their staying power, and how he predicts each generation’s planning … Continue reading Episode 26 – The Secrets Behind This Small Business’ Staying Power →
The term “guaranteed income” sounds stuffy. But what this mini-series is really focused on is helping you consider your options for recreating your paycheck during retirement. In the final part of this series, Royal Standley walks you through more options for guaranteed retirement income. You will learn about money-savings pension tips, the pros and cons … Continue reading Episode 25 – Solving Your Retirement Puzzle – Part 2 →
Your retirement will be made up of many different pieces from social security to 401(k)s and everything in between. Do you know how to fit them all together to make it work best for you? In this episode, Royal Standley educates us on the many variables involved with solving the retirement puzzle. Using client examples … Continue reading Episode 24 – Solving Your Retirement Puzzle – Part 1 →
The recently approved SECURE Act has brought significant changes to the retirement system in the U.S. It’s time to explore these changes and discuss your new planning opportunities. In this episode, Royal Standley cracks open the SECURE Act to explain what changes are in effect and what they might mean for your retirement plan. In … Continue reading Episode 23 – What The SECURE Act Means for You →
Have you ever considered writing a legacy letter for your loved ones? In this episode, Royal Standley shares client examples and his own personal example of how a meaningful legacy letter can add heartfelt value to an estate plan. After all, passing along words of appreciation, thoughts, and intentions to your loved ones will stay … Continue reading Episode 22 – How to Write Your Legacy Letter →
When planning for retirement, the conversations you have with your advisor may focus only on the financial side of this new life stage. Sometimes, advisors fail to communicate that there is also an emotional side of retirement that can be challenging for some people. In this episode, Royal Standley helps you remove some of the … Continue reading Episode 21 – Transitioning into Retirement →
There are many reasons why people start planning for retirement later in life, but what they may not realize is that achieving financial stability is still possible. In this episode, Royal Standley explains what people in this particular situation can do to gain financial stability and help get them on the best possible path forward. … Continue reading Episode 20 – How to Plan for Retirement Later in Life →
Graduating from college is usually an exciting time for young people, but trying to figure out the next step can feel daunting. In this episode, Royal Standley shares useful tips on how recent graduates can lay the right foundation early on. He discusses paying back student loans, whether to rent or buy, emergency funds, and … Continue reading Episode 19 – Tips for the Recent College Grad →
Knowing your team is fundamental to achieving success. In this episode of Life By Design Podcast, we meet Ron Naumann, who has been an advisor at Oregon Pacific for 18 years. Ron has taken his professional life on a path he never expected: He went from working as a manufacturing engineer to becoming an accomplished … Continue reading Episode 18 – Meet the Oregon Pacific family — Introducing Ron Naumann →
There are many types of scams and some of them are fairly sophisticated. It’s no wonder that people fall victim to scams more often than not. For Royal Standley, prevention is the best tool against scammers. In this podcast, Royal gives you insight into the mechanisms that scammers use to get your attention and strategies … Continue reading Episode 17 – How to Recognize a Scam and Avoid Becoming a Victim →
Life insurance, with all of its moving pieces, can be a difficult concept to understand. Considering that there are different types of insurance policies to sift through, how can you make an informed decision? In this episode of The Life By Design Podcast, Royal Standley dives deep into life insurance, explaining its true importance as … Continue reading Episode 16 – Your Top Life Insurance Questions Answered →
In this episode of The Life By Design Podcast, Royal Standley introduces us to a special guest. Financial planner Rich Todd has worked at Oregon Pacific for 11 years. Rich shares with us his background and experience, what inspired him to start his career in financial planning, and how he manages to give clients a … Continue reading Episode 15 – Meet Rich Todd →
To have success in your financial life, you need to have a team that can provide you with the best professional advice. Finding the right team can save you from making costly mistakes, and that can make a huge difference in your financial future. Start putting all of your pieces in place with Royal Standley’s … Continue reading Episode 14 – Building Your Financial Success Team →
It is a well-known fact that diversifying into real estate is one of the best ways for Americans to build wealth. But the decision to diversify into real estate shouldn’t be taken lightly. There are many factors to consider before diversifying and, with so much information out there, it’s understandable that investors have a lot … Continue reading Episode 13 – Is Diversifying into Real Estate Right for You? →
Money. It’s not the easiest subject to talk about or the most comfortable. But today, you can rely on Royal Standley’s experience as he sheds more light on important subjects to help you plan for your financial future. This episode is all about understanding what different ways of gaining and saving money could mean for … Continue reading Episode 12 – Let’s Talk About Your Money and Your Taxes →
Asking the right questions will get you the right answers. This becomes especially important when you are choosing a financial advisor. In the last part of his most-asked-questions miniseries, Royal Standley uncovers information frequently requested by potential clients. In this episode you’ll learn: How to determine which type of investments are best for you How … Continue reading Episode 11 – Answers to Clients’ Most-Asked Questions: Part 3 →
Are you thinking about working with a financial planner, but you’re not sure what questions to ask? Then you’re in the right place! Royal Standley is back to answer your biggest questions about working with a financial advisor. In part two, you’ll learn the answers to the most-asked questions that potential clients ask him and … Continue reading Episode 10 – Answers to Clients’ Most-Asked Questions: Part 2 →
Imagine walking into a financial planner’s office for the first time. What questions would you ask before deciding to work with that person? Today, Royal Standley is here to answer your biggest questions. Working off a list of his clients’ most-asked questions, Royal gives forthright and detailed answers, while also sharing helpful planning advice along … Continue reading Episode 9 – Answers to Clients’ Most-Asked Questions: Part 1 →
What comes to mind when you think of having financial peace? Perhaps you envision paying off your debt, boosting your savings, or not having to worry about the future. Royal Standley helps clients achieve all of the above. Today, Royal shares the simple process he uses with clients, called Dave Ramsey’s Baby Steps, which focuses … Continue reading Episode 8 – How to Use Dave Ramsey’s Baby Steps →
With the holiday season quickly approaching, more and more people are beginning to think about their charitable giving. In this episode, Royal Standley talks about the importance of finding what speaks to your heart when you’re choosing which organizations to support. Here’s what you will learn about: The “American advantage” of charitable giving—and what sets … Continue reading Episode 7 – Planning for Lifetime Charitable Giving →
Did you know that everyone has an estate plan, even if they don’t have a will or a living trust? But when people pass away without a prepared will or a trust, their heirs are chosen by the laws of whichever state they lived in. Maintain control of what happens to your assets by … Continue reading Episode 6 – It’s Never Too Soon to Start Estate Planning →
In his last episode, Royal Standley talked about nine types of risk that could impact your returns. Now Royal is back to explain how he addresses those risks through his financial planning process. He is on a mission to create the best possible outcomes for clients. In this episode, you will learn: A recap of … Continue reading Episode 5 – How to Plan for Risks Through Financial Planning →
There are nine types of risk that could not only impact your investment returns, but also your overall financial plan. Today, Royal Standley outlines each type of risk and shares strategies he uses to help reduce their effect on clients’ investment portfolios. In this episode, you will learn: How parents tend to influence their children’s … Continue reading Episode 4- Are You Aware of These Nine Risks to Your Portfolio? →
Meeting with a financial advisor for the first time can be overwhelming when you don’t know what to expect.Today, Royal Standley eliminates the unknown by walking you through the first step in Oregon Pacific Financial Advisors’ Life By Design™ process, otherwise known as their guided discovery. In addition to learning what it’d be like to … Continue reading Episode 3 – A Walk Through the Life By Design™ Guided Discovery Process →
Today, Royal Standley shares what sets his firm apart from other financial advisers. This lively episode is all about Oregon Pacific Financial Advisors’ Life By Design™ process, which helps clients design the rest of their lives and achieve the outcomes they’re hoping for. Royal discusses the Life By Design™ process in-depth, walking you through the … Continue reading Episode 2 – How the Life By Design™ Process Can Help You Dream Big →
Meet Royal Standley, President & CEO of Oregon Pacific Financial Advisors. In this inaugural episode of the Life By Design Podcast, Royal helps you to get to know him by sharing how he came to work in the financial industry and why he’s devoted to helping “real people who are getting ready to retire.” Royal … Continue reading Episode 1 – Introduction to Royal Standley, President & CEO of Oregon Pacific Financial Advisors →