Category: Investing

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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!

Resources:

 Connect with Brett Ramsey:

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

Resources:

Connect with Brett Ramsey:

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

 Connect with Brett Ramsey:

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

Resources:

 Connect with Brett Ramsey:

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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Navigating Tax Preparation and Planning with Tax Expert Mark Crooks (Ep. 10)

Navigating Tax Preparation and Planning with Tax Expert Mark Crooks (Ep. 10)

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Are you tired of feeling overwhelmed and confused when it comes to filing your taxes? Don’t worry, you’re not alone. But what if you could have access to expert advice that simplifies the tax process and maximizes your returns?

Join us on this episode as we chat with tax guru Mark Crooks, who demystifies the complex world of tax preparation and planning. Mark dispels common myths about taxes and provides valuable insights on how to effectively plan for tax season, regardless of your income sources or tax deductions. Don’t miss this opportunity to optimize your financial strategy and take control of your taxes. Tune in now!

In this episode:

  • Discover the truth about long form vs. short form, and other common tax myths that are hurting your wallet
  • Learn about the different tax rules that apply to various types of income, such as salaries and wages, investment income, retirement income, social security, business rental property, royalties, and more
  • Understand how to create a comprehensive tax planning strategy that minimizes your tax liability and maximizes your returns
  • We’ll also show you how to level out your taxes to avoid sudden spikes during retirement
  • Don’t miss out on these game-changing tips and more – tune in now!

 Connect with Brett Ramsey:

Connect with Mark: 

About Our Guest:

Mark Crooks is a tax expert who has spent over two decades helping individuals, small businesses, and trusts navigate the complexities of tax preparation and planning. Mark’s journey to becoming a tax preparer began when he studied tax, accounting, and finance in college. After starting his own sales business and doing his taxes, Mark discovered the “tricks of the trade” regarding tax preparation. He eventually transitioned into the tax business full-time and has since become an expert at helping his clients get organized and approach tax season more calmly and structured way. Mark aims to dispel common misconceptions about taxes and help his clients plan and prepare for tax season, no matter their income sources or tax deductions.

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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Unleashing the Power of Social Security with Brett Ramsey (Ep. 9)

Unleashing the Power of Social Security with Brett Ramsey (Ep. 9)

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Are you feeling uncertain about when to retire? What could you do to make more informed decisions about your Social Security benefits? Are you curious about how Social Security could impact your retirement income? 

Tune in to this episode for helpful tips on how to make informed decisions about your benefits. Join Brett Ramsey as he unpacks everything you need to know about maximizing your retirement income with Social Security. Don’t miss out on critical takeaways that could impact your Social Security benefits – start listening now!

In this episode:

  • Discover the key to unlocking your ideal retirement
  • Learn how to determine the perfect retirement age
  • Understand the impact of life expectancy on your Social Security benefits
  • Explore the different ages when you can start drawing Social Security benefits
  • Consider critical tax questions for your unique situation 
  • And so much more!

Don’t miss out on this exciting opportunity to take control of your retirement plans. Tune in now!

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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Securing Your Golden Years: Navigating Retirement Income with Confidence (Ep. 8)

Securing Your Golden Years: Navigating Retirement Income with Confidence (Ep. 8)

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Are you worried about having enough income to live comfortably in retirement? You’re not alone. 

But what if you had access to a platform that could empower you to make better-informed decisions around social security and create a customized, time-segmented income plan that can be easily managed throughout retirement? 

Join Sheryl O’Connor and Phil Lubinski, experts in the retirement marketplace, as they unveil IncomeConductor®, a revolutionary platform that helps retirees and advisors plan for the future with confidence. Don’t miss this opportunity to take control of your retirement income and secure your financial future.

In this episode, Phil and Sheryl dive into:

  • The game-changing power of IncomeConductor® – the revolutionary platform for customized, time-segmented income plans for retirees
  • Social security claiming strategy assistance with IncomeConductor®
  • Traditional retirement planning methods have long relied on the “plan till your 9s” approach, but why this is not always the best idea
  • How Artisan Wealth Strategies incorporates IncomeConductor® for client’s retirement plan
  • And that’s not all! 

Resources

 Connect with Brett Ramsey:

About Sheryl O’Connor:

Sheryl is a senior executive with over 25 years of experience in financial services and technology innovation. A demonstrated leader and entrepreneur with a proven track record and results, Sheryl is skilled at building large enterprise program teams across global business and technology sectors as well as small, agile teams at start-ups. She has spent the last 13 years delivering business value to financial firms and advisors through innovative programs and technology and is a noted speaker and panel member at various industry and association events.

Currently, Sherly is the Co-Founder of IncomeConductor (WealthConductor LLC) which provides a complete program to financial advisors who wish to capture the exploding opportunities in the distribution marketplace, including a platform of support services and an award-winning SaaS technology, IncomeConductor®.

Connect with Sherly: LinkedIn: Sheryl O’Connor 

About Phil Lubinski: 

Phil has spent over 30 years as a financial advisor, serving almost exclusively retirement income planning clients. He has trained thousands of advisors from around the country on his time-segmented retirement income strategy.

Phil has co-developed several fintech systems designed to help advisors create income plans for their clients. After successfully transitioning his practice, he helped co-found WealthConductor LLC with the intention of creating IncomeConductor, the best-in-class time-segmented income software. Phil contributes his financial planning and retirement income expertise to the software design as well as the training and case consultation services.

Connect with Phil: LinkedIn: Phil Lubinski  

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The Longevity Plan: How to Make Your Money Last as Long as You Do with Heather Holmes (Ep. 7)

The Longevity Plan: How to Make Your Money Last as Long as You Do with Heather Holmes (Ep. 7)

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Retirement planning often involves considering how to make your savings last as long as possible, which is known as a longevity plan. In this episode, we discuss ways to influence your longevity and improve your quality of life during retirement.

Heather Holmes, Founder, and CEO of Genivity, an innovative WealthTech platform, shares how her platform HALO helps people with their long-term financial planning strategy.

Heather discusses how HALO, a WealthTech platform, uses technology to help people with their long-term financial planning strategy and shares practical steps for increasing longevity.

Heather discusses:

  • The latest research on longevity
  • How Genivity HALO helps financial advisors help their clients prepare to live well longer
  • The value of preparing for longevity and how you can finance it
  • And so much more!

Resources:

Connect with Brett Ramsey: 

Connect with Heather Holmes:

About our Heather Holmes: 

Heather Holmes is the Founder and CEO of Genivity, an innovative WealthTech SaaS platform at the nexus of health and wealth for long-term financial planning and wealth management strategies. Heather leads the vision for Genivity and focuses on product design, business development, and fundraising. She brings a decade of sales, marketing, and market development experience to Genivity from her time in the medical device industry working for Medtronic & Abbott Vascular.

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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Finances and Health: How To Make It Work (Ep. 6)

Finances and Health: How To Make It Work (Ep. 6)

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What do your finances and health have in common? It’s something we don’t often think about. While financial literacy is essential, our health impacts how we plan our finances. 

In this episode, Brett Ramsey shares some of his health secrets and scares, what he has learned from them, and how it impacts money. This episode will inspire you to take control of your personal and financial well-being.  

Brett discusses:

  • Why the state of your health needs to be addressed when planning your finances
  • How he went from an unhealthy workaholic to a health-conscious, balanced individual
  • Why financial advisors need to talk about health more
  • The health challenges Brett faced and how he overcame them
  • 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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Using A Donor-Advised Fund For Year-End Charitable Giving (Ep. 5)

Using A Donor-Advised Fund For Year-End Charitable Giving (Ep. 5)

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Donor-advised funds are an amazing part of the nonprofit landscape, but they can also be hard to understand. As the market is changing, charitable giving can be a way to remain resilient, keep more of your taxes and do good at the same time.

In this episode, Brett Ramsey speaks with one of his clients, Ron, about the benefits of using Donor-advised funds. They two talk about how this charitable giving option works and how you can contribute to this tool as part of your philanthropic efforts.

Brett and Ron discuss:

  • How to establish your donor-advised fund (DAF)
  • The ways you may be eligible to claim an itemized tax deduction on donor-advised funds
  • How you can structure your (DAF) in a way that best meets your charitable goals
  • What inspired Brett and Ron to open a (DAF) and how it has impacted their lives
  • 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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