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Category: Podcast

Ep. 15 – 2023 Market Outlook

2023 Market Outlook

2022 was a tough year for both stocks and bonds.  In fact, it was perhaps the worst year for a 60/40 portfolio, period.  For retirees and pre-retirees, this makes income planning very difficult!  How do you combat record inflation when both stocks and bonds are falling?  Additionally, the risk in stocks is likely not over as the fed continues its rate hike strategy, and a recession is likely.  

The good news is, there are opportunities for retirement investors!  Tune in to hear more about our key opportunities for 2023.

-Yield is back in fixed income

-The value vs. growth story

-International stocks time to shine?

-Bucketing strategy!

I hope you enjoy this episode.

~Kevin

Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠ 

⁠⁠⁠⁠⁠⁠⁠⁠You can start with our Retirement Readiness Questionnaire linked on our website so we can learn more about how we can help in your journey to and through retirement.

Connect with me here:

Or, ⁠⁠⁠⁠⁠⁠⁠⁠visit my website

This is for general education purposes only and should not be considered as tax, legal, or investment advice.
 

Ep. 14: “Retirees – Stop Under-spending in Your Go Go Years”

As a financial professional who specializes in retirement, I would never tell a client to spend MORE than they can.  However, I will tell them what they CAN spend while still maintaining their financial independence.  Oftentimes, it’s more than what they are currently spending, especially in the “Go-Go Years” of retirement.  Why is this?  Perhaps the fear of the “what if’s” like long-term care, being a burden on their loved ones, not leaving a financial legacy, longevity concerns and more.  In this episode, I’m joined by Justin Fitzpatrick, the Co-Founder of Income Lab.  Income Lab is a retirement income planning software used by financial advisors, including myself, to help solve the question of “how much can I comfortably spend in retirement.”  I hope you enjoy the episode and make sure to give us a follow and a 5 star review if you like what we are doing!  We appreciate all of you!

~Kevin

Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠ 

⁠⁠⁠⁠⁠⁠⁠⁠You can start with our Retirement Readiness Questionnaire linked on our website so we can learn more about how we can help in your journey to and through retirement.


Connect with me here:

Or, ⁠⁠⁠⁠⁠⁠⁠⁠visit my website

This is for general education purposes only and should not be considered as tax, legal, or investment advice.

Ep. 13 – Planning for Healthcare Costs in Retirement – Medicare Considerations

Now that you have made the decision on when to retire, the next step is to figure out how to pay for healthcare expenses. This episode features Ari Parker, the Lead Medicare Advisor at Chapter. Chapter is a Medicare broker that specializes in helping people make important decisions on healthcare during retirement. Make sure to give us a follow so you don’t miss out on our latest episodes!

~Kevin

Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠ 

⁠⁠⁠⁠⁠⁠⁠⁠You can start with our Retirement Readiness Questionnaire linked on our website so we can learn more about how we can help in your journey to and through retirement.

Connect with me here:

Or, ⁠⁠⁠⁠⁠⁠⁠⁠visit my website

This is for general education purposes only and should not be considered as tax, legal, or investment advice.

Episode 12: Should I pay off my mortgage early?

Should I pay off my mortgage early?

First of all, paying off your mortgage early vs. investing the difference is not an apples to apples comparison.  I don’t know of any investments that provide a guaranteed return = to the mortgage interest rate in question. 

If you are comfortable with taking on the risk, you might be better off stretching that mortgage to 30 years and investing the surplus cash into a side fund.  

Additionally, this could provide liquidity along the way to access “just in case.”  

However, there is something to be said for my clients that are mortgage and debt free in retirement.  Therefore, those qualitative factors should be considered AS WELL AS the quantitative factors.

Enjoy the episode!

~Kevin

Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠ 

⁠⁠⁠⁠⁠⁠⁠⁠You can start with our Retirement Readiness Questionnaire linked on our website so we can learn more about how we can help in your journey to and through retirement.

Connect with me here:

Or, ⁠⁠⁠⁠⁠⁠⁠⁠visit my website

This is for general education purposes only and should not be considered as tax, legal, or investment advice.

Episode 11: What is tax planning vs. tax preparation?

What is tax planning vs tax preparation?

What is Tax Planning vs. Tax Prepartion

Tax preparation is reactive, for the most part.  Tax planning is proactive.  Most people focus solely on tax preparation, which involves preparing necessary documents to file your taxes.  Tax planning involves not only minimizing your tax liability today, but minimizing taxes when you start to draw on your investment assets and throughout your retirement years.  We hope you enjoy this episode!

~Kevin

Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠ 

⁠⁠⁠⁠⁠⁠⁠⁠You can start with our Retirement Readiness Questionnaire linked on our website so we can learn more about how we can help in your journey to and through retirement.

Connect with me here:

Or, ⁠⁠⁠⁠⁠⁠⁠⁠visit my website

This is for general education purposes only and should not be considered as tax, legal, or investment advice.

Episode 10 – Six Reasons to Take Advantage of Roth Conversions

Are you approaching retirement with the bulk of your next egg in tax deferred 401ks or IRAs? With so much uncertainty on where tax rates might head in the future, you might be wondering, “Should I take advantage of Roth conversions?” They are not for everybody, but in the right situation you could end up saving thousands, or even hundreds of thousands of dollars, in taxes during your lifetime. Additionally, your heirs will also benefit from a more tax efficient inheritance. I hope you enjoy this episode, which includes my interview with Kevin Geddings at WSOS 103.9 in St. Augustine!

Episode 9: The 5 Most Common Estate Planning Mistakes

The number one thing I hear from clients is they don’t want to ever be a burden on their loved ones, and yet, I’ve seen a number of estate planning mistakes over the years.  Fortunately, they never truly get exposed unless something unexpected happens.  These 5 common estate planning mistakes can and should be addressed, and I always recommend seeking official legal counsel from a licensed attorney to do so!  
~Kevin

Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠ 

⁠⁠⁠⁠⁠⁠⁠⁠You can start with our Retirement Readiness Questionnaire linked on our website so we can learn more about how we can help in your journey to and through retirement.

Connect with me here:

Or, ⁠⁠⁠⁠⁠⁠⁠⁠visit my website

This is for general education purposes only and should not be considered as tax, legal, or investment advice.

Episode 8: What to do when stocks are volatile?

Spoiler alert:  The answer is NOT “do nothing.”  

Volatility is a healthy part of investing!  If there was no risk to it, there would not be the upside potential the stock market has provided for decades!  Inevitably when the stock market is volatile, I field a bunch of questions on “what to do next?!”  Nobody is complaining when markets are flying up with no volatility, but once we see that 10% or 20% dip, people start to pay attention.  I decided to record this episode to shed light into what our practice looks like and how we navigate the good and bad markets.  I hope you enjoy it!

~Kevin

Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠ 

⁠⁠⁠⁠⁠⁠⁠⁠You can start with our Retirement Readiness Questionnaire linked on our website so we can learn more about how we can help in your journey to and through retirement.

Connect with me here:

Or, ⁠⁠⁠⁠⁠⁠⁠⁠visit my website

This is for general education purposes only and should not be considered as tax, legal, or investment advice.

Episode 7: Retirement Income Withdrawal Strategies

 

Retirement Income Withdrawal Strategies

A lot of people focus so much on retirement savings strategies and not enough on withdrawal strategies.  Also, many people don’t realize the withdrawal strategies begin years before you retire!  I hope you enjoy this episode and begin to think about how your savings strategies now will impact your withdrawal strategies later.  Additionally, if you are closer to retirement, hopefully you can begin to think about which strategy (or strategies) align with your personal preferences.  Enjoy it!

~Kevin

Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠ 

⁠⁠⁠⁠⁠⁠⁠⁠You can start with our Retirement Readiness Questionnaire linked on our website so we can learn more about how we can help in your journey to and through retirement.

Connect with me here:

Or, ⁠⁠⁠⁠⁠⁠⁠⁠visit my website

This is for general education purposes only and should not be considered as tax, legal, or investment advice.

Episode 6: 4 Tax Strategies As We Approach Year End

 

4 Tax Strategies to consider before the year ends

It’s the end of the year, and most people are thinking about the holidays!  Well, we think about tax efficiencies for our clients, so I wanted to share a few tips that you might want to consider as we approach the end of the tax year.  This should not be taken as tax advice!  Consult with your own professional tax advisors to determine what strategies make the most sense in your situation.  Nonetheless, I hope you find it helpful.  

~Kevin

Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠ 

⁠⁠⁠⁠⁠⁠⁠⁠You can start with our Retirement Readiness Questionnaire linked on our website so we can learn more about how we can help in your journey to and through retirement.

Connect with me here:

Or, ⁠⁠⁠⁠⁠⁠⁠⁠visit my website

This is for general education purposes only and should not be considered as tax, legal, or investment advice.

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(904) 323-2069

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