Category: Financial Advisor

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Customizing Financial Strategies for Retirees (Ep. 20)

Customizing Financial Strategies for Retirees (Ep. 20)

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Have you ever had the feeling that unexpected events disrupt your well-planned routine? What role do family dynamics play in your retirement planning decisions? 

In this episode, Brett Ramsey speaks with Kim Cox, a nurse practitioner and soon-to-be retiree, about her experience in planning for retirement and how she gained confidence in the plan she made. They emphasize the significance of planning, communication, and seeking expertise in financial decisions. 

Brett and Kim discuss:

  • How unexpected events can derail retirement planning
  • The benefits of attending retirement classes and educating oneself about retirement
  • Kim’s story of transitioning to part-time work and being a parent and grandparent
  • The importance of open communication with financial advisors to gain confidence in retirement planning
  • And more

 

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About Brett Ramsey:

Brett is committed to educating others—especially his clients—to become confident in their own financial decisions. As co-owner and LPL financial advisors at Artisan Wealth Strategies, he specializes in retirement, income planning, as well as comprehensive financial planning. Brett has been in the financial industry for 20 years. 

Brett attended Case Western Reserve University, where he received his undergraduate degree in Mechanical and Aerospace Engineering. He went on to attend Duke’s Fuqua School of Business to receive his MBA. He received his CFP® certification to become a financial advisor, and soon began helping clients on their financial journeys. 

In his 20 years in the industry, he’s worked for major financial corporations such as Sheridan Road Financial, Novus Wealth Management, and Nettworth Financial Group prior to establishing his own financial planning practice. 

Brett now lives in Carmel, Indiana, with his family which is his favorite pastime, but he’s also an avid athlete. An active member of his community, Brett has organized many educational classes on financial topics and taught classes for many non-profit organizations. 

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How Can Retirement Planning Help You Overcome Unexpected Life Changes? with Davida Hutson (Ep. 19)

How Can Retirement Planning Help You Overcome Unexpected Life Changes? with Davida Hutson (Ep. 19)

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Retirement planning is a crucial aspect of our financial well-being that often goes overlooked until it becomes a pressing reality. 

Therefore, It is crucial to listen and learn from experiences to enjoy this life phase in a relaxed and stress-free manner.

In this episode, Brett Ramsey is joined by Davida Hutson, a retiree who shares her story of unexpected widowhood and the importance of retirement planning. They emphasize the need for organizing your finances, the challenges of estate planning, and the importance of diversification. Additionally, Brett and Davida touch on the importance of taking the first step toward retirement planning and seeking professional advice. 

They discuss: 

  • A personal story of Brett moving his daughter’s couch into her apartment and how it relates to retirement planning
  • Davida’s story of unexpected widowhood and how it led her to attend Brett’s retirement class
  • Davida’s experience of inheriting a diverse portfolio of assets from her parents and the challenges she faced in organizing and distributing them fairly
  • The importance of organizing financial documents and creating a family love letter to ensure that assets are distributed according to the wishes of the deceased
  • The importance of diversification and not getting stuck on one asset
  • Davida’s new hobbies and activities to fill her time during retirement
  • And more!

 

 Connect with Brett Ramsey:

Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA & SIPC. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.

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Unveiling the Retirement Journey of John and Mary (Ep. 18)

Unveiling the Retirement Journey of John and Mary (Ep. 18)

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Join us as we unravel the remarkable story of John and Mary, two individuals who defied retirement uncertainties and crafted a successful roadmap for their future.

In this episode, John and Mary, who initially found themselves uncertain about their retirement plans, shed light on their experiences and how they overcame unexpected hurdles. 

Here’s what you can expect from this episode:

  • Practical strategies for adapting to changing retirement benefits and how to take control of your financial future
  • The importance of consolidating and managing retirement funds from various sources effectively
  • Valuable tips on navigating complex estate settlements and optimizing your inherited assets
  • The significance of diversification in retirement planning and how it can lead to long-term financial stability
  • And more!

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 Connect with Brett Ramsey:

Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA & SIPC. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.

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Retirement Income Security: Bond Laddering & Bullet Shares (Ep. 17)

Retirement Income Security: Bond Laddering & Bullet Shares (Ep. 17)

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Do you feel lost when it comes to securing your retirement income amidst an unpredictable market? 

In this episode, Brett Ramsey and Jason Bloom, Senior Director of Global ETF Strategy at Invesco US introduces the powerful solution of bond laddering as a risk management technique that delivers consistent income throughout one’s retirement years. Listen in as they dive into strategies and guidance in navigating your financial future and securing your retirement income with certainty.

Here’s a sneak peek of what you can expect to learn:

  • How bond laddering can provide you with a roadmap for managing risk in changing interest rate environments
  • Ways to take advantage of staggered bond maturities to optimize your investment returns
  • How bond laddering allows you to avoid making large bets on interest rate movements
  • What happens when you align bond laddering with your specific retirement objectives
  • And more

 

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About Jason: 

Jason Bloom is an experienced professional with over 23 years of fixed-income industry expertise. In addition, he has a strong background in trading global interest rates and commodities, having worked for a hedge fund in Chicago for a decade. In 2009, Jason joined the Guggenheim ETF business and was vital in introducing the successful Bullet shares ETFs. Later, he joined Invesco US, where he continued his focus on developing innovative investment strategies within the ETF landscape. With his passion for bond laddering and providing stability in investment returns, Jason brings a wealth of knowledge and experience.

Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA & SIPC. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.

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Planning Your Retirement with The Income Conductor Tool (Ep. 16)

Planning Your Retirement with The Income Conductor Tool (Ep. 16)

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As someone approaches retirement, you may be worried about how to make your savings last for the long haul. 

It’s a common concern, but fortunately, there’s a tool that can help: The Income Conductor.

In our latest podcast episode, we dive into retirement income planning and how The Income Conductor can help you make the most of your golden years. 

We understand that everyone’s retirement goals and financial situations are unique, so we’ll guide you through mapping out a personalized plan for your retirement.

Using The Income Conductor, you can visualize each year of your retirement and split your money into different time segments. This will help you create a plan that ensures you won’t run out of money and can continue enjoying your retirement to the fullest.

During this episode, we’ll help you better understand retirement income planning, including:

  • When to start drawing money out of your savings and how to replenish it
  • How to split your money into different time segments using The Income Conductor
  • The importance of later money and how it can continue to grow even as you take it out
  • How to use The Income Conductor to create a plan that will make your money last throughout your retirement
  • And more

 

Resources:

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Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA & SIPC. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.

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Demystifying Portfolio Construction: Understanding the Jargon (Ep. 14)

Demystifying Portfolio Construction: Understanding the Jargon (Ep. 14)

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Investing inevitably entails risk, but having the knowledge of how to handle and mitigate that risk can significantly impact your success.

Our latest episode features Jeremy Deering, an accomplished portfolio director, who provides a comprehensive understanding of risk management in investing and offers valuable insights on effectively navigating it.

In this episode, Jeremy shares his expertise on managing risk within a portfolio, explains the concept of diversification, and provides crucial information on the price-to-earnings ratio and other related topics.

In this episode, Jeremy covers a variety of important topics, including:

  • The individualized nature of risk and how to comprehend its meaning
  • The two primary risks that often arise in discussions between investors and advisors, and how to manage them effectively
  • Effective communication with your advisor regarding risk and portfolio construction
  • Constructing a well-suited retirement portfolio
  • The importance of portfolio diversification
  • And much more invaluable information!

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Connect with Jeremy: 

About our Guest: 

Jeremy Deering is an experienced Portfolio Director with a strong background in the investment management industry. He has a proven track record of success in the areas of Asset Management, Portfolio Construction, and Institutional Sales/Marketing.

Jeremy is highly skilled in developing and managing portfolios, as well as identifying and analyzing investment opportunities. Additionally, He has a strong understanding of the institutional sales and marketing process, which enables him to effectively communicate investment strategies and recommendations to clients.

Jeremy is a graduate of Baker University, where he received a comprehensive education in business and finance. With a keen eye for detail and a commitment to excellence, Jeremy is a results-oriented professional who is dedicated to delivering exceptional value to clients.

Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA & SIPC. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.

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Navigating the Probate Process with Experienced Attorney Corbin King (Ep. 13)

Navigating the Probate Process with Experienced Attorney Corbin King (Ep. 13)

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Navigating the probate process can be daunting and emotionally challenging for anyone dealing with losing a loved one. As an executor, heir, or interested party, it is essential to have a clear understanding of the legal process involved in probate and the critical role that an estate executor and attorneys can play in facilitating the proceedings. 

In this episode, attorney Corbin King shares his insights and experiences to help listeners understand the probate process and navigate it successfully.

Through his discussion, King highlights the importance of having an estate executor who can help facilitate the probate process and avoid disputes among heirs. He also touches on the critical role that attorneys can play in navigating the complexities of probate and ensuring that the wishes of the deceased are respected.

Corbin discusses:

  • Understanding what probate is and the legal process involved
  • The crucial role that estate executors can play in facilitating probate and preventing disputes among heirs
  • The ways in which attorneys can help navigate the complexities of probate and ensure that the wishes of the deceased are honored
  • Tips for dealing with the emotional challenges that can arise during probate
  • And more

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About our Corbin:

Indiana probate lawyer Corbin King takes a practical and personal approach to client service in estate planning, probate and elder law issues. With more than three decades of experience, he provides clarity, guidance and counsel to people as they deal with trust and estate matters, probate administration and the unique issues faced by the elderly.

Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA & SIPC. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.

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How to Ensure A Successful Estate Plan with Cheri Brooks, CPA (Ep. 12)

How to Ensure A Successful Estate Plan with Cheri Brooks, CPA (Ep. 12)

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Although often overlooked, estate planning is a crucial component of comprehensive financial planning, and neglecting to address it can have significant consequences.

In this episode, Brett and Cheri Brooks, CPA and Managing Director of Neuberger Berman Advisor Institute, discuss financial advisors’ crucial role as “quarterbacks” in guiding families through estate planning after losing a loved one. 

Cheri also sheds light on the importance of having a comprehensive estate plan and introduces The Family Love Letter™ as a planning tool to help families navigate the complexities of this critical task.

Cheri discusses:

  • Why it’s important to engage a financial advisor in your estate planning decisions even after receiving your estate plan from an attorney
  • How to prevent family disputes 
  • The Family Love Letter™ planning tool and how it can help families consolidate all of the necessary information and documents for estate planning and how it can help you
  • And more

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Connect with Cheri: 

About Cheri: 

Cheri Brooks, CPA, Managing Director, joined the firm in 1993. Cheri is Business Developer and Head of the Neuberger Berman Advisor Institute (NBAI). Previously, Cheri was the Regional Vice President for the Midwestern territory for Neuberger Berman Intermediary Sales where she worked with 401(k) providers, insurance companies, banks, broker/dealers, and financial advisors. Prior to joining the firm, she was tax consultant with Arthur Andersen & Co. Cheri was on the board for the Chicago Women Investment Professionals (WIP) from 2003-08 and is currently an active member and board alum. She also served on the Advisory Board for Women’s Initiative Leading Lehman (WILL) from 2004-06 and the Co-Chair of WILL from 2007-08. Cheri was a recipient of the Lehman Brothers/Neuberger Berman’s Diversity Award for 3 consecutive years (2005-07) and is a former member of the Chicago Financial Women’s Association from 2003-06. Cheri received her BA in Accounting from Illinois Wesleyan University where she graduated cum laude. Cheri is a Certified Public Accountant.  

Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA & SIPC. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.

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Optimizing Tax Planning with Holistiplan: Insights for Financial Advisors with Roger Pine (Ep. 11)

Optimizing Tax Planning with Holistiplan: Insights for Financial Advisors with Roger Pine (Ep. 11)

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Get ready for an insightful podcast episode that delves into the world of financial advising and the crucial role of tax planning. 

You’ll discover how a software company is revolutionizing how advisors offer financial planning to their clients and hear from our special guest Roger Pine, CFA, CFP®, and Co-Founder of Holistiplan as he shares his journey from a former financial advisor turned entrepreneur. 

In this episode, Roger shares his experience creating tools to help financial advisors optimize tax planning for their clients. 

Listeners will learn that tax planning is integral to financial planning and that financial advisors must include it in their client discussions. 

Roger discusses:

  • What is Holistiplan and how it works
  • The importance of understanding different types of taxes and brackets
  • The need for advisors to guide their clients through opportunities to save on taxes
  • The critical decisions that clients face during the retirement transition phase, 
  • The value of using a software tool like Holistiplan to facilitate tax planning discussions
  • And more

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Connect with Roger: 

About Roger: 

At Holistiplan, Roger combines his experience as a financial planner with his love for technology and software development. He believes in giving more people access to comprehensive financial planning, so he is committed to creating tools that make planning more efficient. 

Roger worked for 10 years as a financial advisor at Briaud Financial Advisors. He was an active volunteer in the National Association of Personal Financial Advisors (NAPFA) and served on their board. 

 

Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA & SIPC. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.

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