Category: Financial Planning

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Understanding Cognitive Changes and their Impact on Retirement Planning with Dr. Peter Lichtenberg (Ep. 27)

Understanding Cognitive Changes and their Impact on Retirement Planning with Dr. Peter Lichtenberg (Ep. 27)

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Did you know that individuals with early memory loss are about three times more likely to face financial exploitation? How can you protect your retirement plan?

Brett Ramsey is joined by neuropsychologist Dr. Peter Lichtenberg to discuss the intricate relationship between brain health and financial decision-making. Drawing from Brett’s personal experiences and Dr. Lichtenberg’s professional insights, you’ll learn about identifying early cognitive changes, using baseline assessments, and protecting your financial well-being as you age. 

Dr. Lichtenberg discusses: 

  • Differences between mild cognitive impairment and dementia
  • Importance of baseline cognitive testing for older adults
  • Tools and surveys to assess financial decision-making capacity
  • Strategies to protect against financial exploitation
  • And more

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Connect with Dr. Peter A. Lichtenberg: 

About our Guest: 

Peter A. Lichtenberg, Ph.D. is the past Director of the Institute of Gerontology (1999-2024) and was the Founding Director of the Wayne State University Lifespan Alliance. Dr. Lichtenberg is a Distinguished University Service Professor of Psychology and Gerontology. He is a clinical psychologist and obtained his Ph.D. at Purdue University in 1986 and completed post-doctoral training in geriatric neuropsychology from the University of Virginia. Dr. Lichtenberg received his diploma in Rehabilitation Psychology in 1997 and his Diploma in Clinical Geropsychology in 2013. Dr. Lichtenberg has been at Wayne State University since 1991.

Dr. Lichtenberg is a national expert in financial capacity assessment and financial exploitation of older adults. Dr. Lichtenberg, one of the first board certified Clinical Geropsychologists in the nation, has made contributions to the practice of psychology across a variety of areas including in Alzheimer’s disease, medical rehabilitation and with those suffering from late life depression. He is particularly interested in the area of intersection between financial capacity and financial exploitation; finding ways to balance autonomy and protection for older adults. He has published articles on psychological vulnerability and fraud and is nationally known for his work on financial decision making, capacity and undue influence. He has conducted independent medical evaluations and expert witness work over 200 times in the past decade on issues related to older adults and capacity as well as undue influence. He has taught clinicians across the nation on improving their assessments of capacity and of financial exploitation. Dr. Lichtenberg is the author of seven books including the 2015 APA 2 Volume Handbook of He has authored or co-authored over 220 peer review journal articles and book chapters.

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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Mental Decline and Financial Security in Retirement with Dean Mourfield (Ep. 26)

Mental Decline and Financial Security in Retirement with Dean Mourfield (Ep. 26)

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Are you prepared for the financial decisions that come with aging? How will you protect your money as mental faculties decline?

Brett Ramsey and his guest Dean Moorefield, owner of Artisan Wealth Strategies, dive into some of the toughest conversations surrounding the transition from making your own financial decisions to needing assistance from loved ones. Drawing from heartfelt client experiences, Brett and Dean discuss strategies to protect your finances when your mental capacity may begin to change. 

Dean discusses: 

  • Strategies to avoid falling victim to financial scams targeting seniors
  • The importance and process of establishing a trusted contact on accounts
  • Understanding the role and activation of a power of attorney
  • The use of cognitive baseline tests to monitor changes over time
  • And more

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Connect with Dean Mourfield: 

About our Guest:

Dean is the owner of Artisan Wealth Strategies, as well as our Senior Partner and Financial Advisor. Dean has been in the industry since 1988, where he started as a financial advisor with Waddell & Reed, Inc., a major American investment corporation. He went on to become Principal/Branch Manager of both the Louisville, KY, division of Waddell & Reed as well as the Indianapolis division, where he supervised and trained financial advisors from 1993 to 2010. 

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 Artisan Wealth Strategies Tailors Your Financial Future with Dean Mourfield (Ep. 25)

How Artisan Wealth Strategies Tailors Your Financial Future with Dean Mourfield (Ep. 25)

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Many retirees believe that a one-size-fits-all approach works for everyone. However, generic wealth management may be limiting your financial future.

Brett Ramsey introduces us to Dean Mourfield, the owner of Artisan Wealth Strategies with a journey as unique as his approach to retirement planning. Dive into Dean’s captivating stories and expertise as he shares lessons from his unexpected career path, the importance of personalized client relationships, and the evolution of financial advising through memorable client experiences. 

Brett and Dean discuss: 

  • How Dean transitioned from a flight attendant to a financial advisor
  • Key moments that shaped his approach to client relationships and financial planning
  • Real-life stories of clients who pursued their retirement goals
  • The importance of customizing financial strategies to suit individual needs
  • And more

 

 Connect with Brett Ramsey:

 

Connect with Dean Mourfield: 

 

About our Guest: 

Dean is the owner of Artisan Wealth Strategies, as well as our Senior Partner and Financial Advisor. Dean has been in the industry since 1988, where he started as a financial advisor with Waddell & Reed, Inc., a major American investment corporation. He went on to become Principal/Branch Manager of both the Louisville, KY, division of Waddell & Reed as well as the Indianapolis division, where he supervised and trained financial advisors from 1993 to 2010. 

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.

The content has been made available for informational and educational purposes only. The content is not intended to be a substitute for professional investing advice.

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Family Finances: Navigating the Future with the Ramsey Trio (Ep. 24)

Family Finances: Navigating the Future with the Ramsey Trio (Ep. 24)

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Imagine a world where the younger generation is not only savvy with technology but also with their finances. 

Dive into an engaging conversation as Brett Ramsey and his two insightful daughters, Caroline and Maryrose, pull back the curtain on the crucial world of financial literacy for the youth. In this episode, they navigate their personal tales of money management, college adventures, and career journeys, painting a vivid picture of how finance intertwines with life’s pivotal decisions.

Together, Brett, Caroline, and Maryrose unravel:

  • The pivotal role finances played in their college and career trajectories
  • The undeniable significance of arming oneself with the right financial knowledge
  • Proactive strategies for preretirees to usher in a new generation with a profound grasp of money’s value 
  • …and a treasure trove of more financial gems

 

 Connect with Brett Ramsey:

Connect with Maryrose Ramsey: 

Connect with Caroline 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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Planning for Retirement and Beyond with Randy and Margo Wheeler (Ep. 23)

Planning for Retirement and Beyond with Randy and Margo Wheeler (Ep. 23)

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When it comes to financial and retirement planning, it can be easy to talk about the best strategies in the best scenarios. But what do the financial planning decisions look like from a client’s perspective? How do their everyday actions and family goals change their financial needs?

In this episode, Brett Ramsey speaks with Randy and Margo Wheeler as they share their plans for their family’s future. They reveal how their financial goals have shifted as their children grew older, covering college expenses, budgeting, teaching financial values to children, managing unexpected inheritances, and preparing for retirement.

Randy and Margo discuss: 

  • The importance of seeking financial advice and planning for retirement
  • Why is budgeting and prioritizing expenses important
  • How can one prepare for emotional extremes and sudden wealth
  • What should be considered when envisioning the future in retirement
  • And more

 

Connect with Brett Ramsey:

 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 to Thrive in Retirement with Retiree, Jennifer Clapp (Ep. 22)

How to Thrive in Retirement with Retiree, Jennifer Clapp (Ep. 22)

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Retirement means planning for a lot of things. Having enough money, planning what you will do during retirement and how your money will be spent. Along with that comes planning for something you haven’t experienced before. Why not learn from someone who has that experience?

In this episode, Brett Ramsey is joined by Jennifer Clapp, a retiree who shares her experience of suddenly leaving a 30-year career for retirement and how she planned the transition. She explores key habits for financial success, such as having “pocket money” for discretionary spending and investing in retirement savings, along with planning for unexpected bumps along the way.

Brett and Jennifer discusses: 

  • How she transitioned out of her company and into retirement
  • Why her husband insisted on her enrolling in the company 401(k) plan
  • How she made the best of an unexpected decision to buy a new house
  • The importance of financial education and mentorship for the next generation
  • Her experience going back to work after entering retirement and after Covid
  •   And more

Connect with Brett Ramsey:

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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Are You Ready for Retirement? With David and Julie Armstrong (Ep. 21)

Are You Ready for Retirement? With David and Julie Armstrong (Ep. 21)

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What do you want to do during retirement? Are you financially ready? What about emotionally? 

Learn about personal planning for retirement from a couple in the midst of preparing for their own retirement.

In this episode, Brett Ramsey is joined by David and Julie Armstrong in discussing their preparations for retirement, from financial planning to personal decisions. They highlight the aspirations and concerns of individuals approaching retirement and emphasize the importance of communication and collaboration within the family. 

Brett, David, and Julie discuss: 

  • How they decided when to retire
  • The importance of seeking help from a financial planner
  • Why planning activities during retirement is just as important as planning financially
  • The importance of communication and collaboration within the family in retirement planning
  • And more

 

Connect with Brett Ramsey:

Connect with TheArmstrong’s: 

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. 

About our Guest:

Dave has over 35 years of experience in video and cinema production, fulfilling just about every role from producer to prompter. As an account manager, Dave leverages that experience to efficiently coordinate communication between clients and our creative team. His thoughtful diligence and attention to detail ensures that our team can quickly and seamlessly adapt to whatever our clients need.

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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

 

Connect with Brett Ramsey:

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!

Resources:

 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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