Tag: Financial Advisor

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Navigating Financial Uncertainty Through Personalized Portfolio Management with Joyce Huang (Ep. 30)

Navigating Financial Uncertainty Through Personalized Portfolio Management with Joyce Huang (Ep. 30)

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Planning your financial future requires resilience and adaptability, especially in today’s uncertain market conditions.

How do you balance short-term changes with long-term goals? What strategies can help protect your investments from unexpected shifts?

In this episode, Brett Ramsey sits down with Joyce Huang, a seasoned fixed-income portfolio manager, to discuss how navigating financial markets can be a lot like a road trip—sometimes you run out of gas when you least expect it. 

They dive into how to avoid “running out of gas” in your retirement portfolio, especially in the wake of the recent elections and economic shifts. Joyce shares her journey from Wall Street to helping everyday investors, highlighting simple yet effective strategies for staying on course during uncertain times.

Joyce discusses:

  • The impact of recent elections on financial markets
  • Why staying invested is more crucial than trying to time the market
  • How interest rates and inflation could influence your investment strategy
  • Her personal advice for navigating investment risks in the current climate
  • And more!

 Connect with Brett Ramsey:

Connect with Joyce Huang: 

About our Guest: 

Joyce Huang, CFA, is vice president and senior client portfolio manager for American Century Investments, a premier investment manager headquartered in Kansas City, Missouri. She is based in the company’s New York office. Joyce is responsible for representing portfolio management in communicating fixed income investment strategies and results to the firm’s clients. She joined American Century in 2018 from First State Investments, where she was an investment director for fixed income and multiasset solutions. Previously, she served in roles as a senior investment strategist and senior portfolio specialist for BNY Mellon Investment Management. Prior to that, she was a vice president and account manager in the capital markets fixed income group at Citigroup. She started in the industry with Lehman Brothers/Barclays Capital, where she was a vice president within their fixed income research group. She has worked in the investment industry since 2006. Joyce holds a bachelor’s degree in economics from the Wharton School at the University of Pennsylvania. She is a CFA® charter holder and a member of the CFA Institute.

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.

All investing involves risk including loss of principal. No strategy assures success or protects against loss. Past performance is no guarantee of future results. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. 

Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds are subject to availability and change in price.

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Overcoming Financial Hurdles and Other Lessons From My Father (Ep. 28)

Overcoming Financial Hurdles and Other Lessons From My Father (Ep. 28)

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Unlock the ‘Charles Ramsey method’ for tax planning and learn how it can help you avoid the number one wealth killer: taxes. 

Brett Ramsey welcomes his father, Charles Ramsey, to share vital lessons in tax and financial planning. Charles Ramsey, a retired president of the Commercial Tire division and a seasoned CPA, offers a treasure trove of wisdom that applies to anyone planning for retirement. 

Key episode discussions include:

  • Why having a margin in your financial life is crucial and how small extras can add up
  • Why taxes are the number one wealth killer and how to manage them effectively to retain more of your earnings
  • The importance of liquidity in your retirement accounts to avoid selling assets at unfavorable times
  • Practical steps on how to use Qualified Charitable Distributions (QCDs) and other tax strategies to optimize your financial health

 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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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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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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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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The Client Experience: Your Retirement Vision (Ep. 3)

The Client Experience: Your Retirement Vision (Ep. 3)

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At Artisan Wealth Strategies we’re always thinking about how to elevate the retirement planning process for our clients.

When it comes to your retirement vision, it’s important for us to create a process that takes into account your income and your health. 

In this week’s episode, Brett Ramsey will talk about his streamlined process and how he’s been able to build a strong client experience through clear expectations.

Tune in to learn more about what to expect from the retirement planning processes at Artisan Wealth.

Brett Discusses:

  • The 3 part service model Artisan Wealth Strategies gives their clients in retirement that makes every experience unique
  • What HALO by Genivity is and how this type of health analysis can help you
  • The tax component of retirement and how to understand it
  • What it means to practice your retirement

Resources:

Connect with Brett Ramsey: 

About Brett Ramsey CFP, MBA:

Brett is one of our owners and LPL financial advisors here at Artisan Wealth Strategies and has been in the financial industry for 20 years. He specializes in retirement income planning, as well as comprehensive financial planning, and enjoys guiding and supporting his clients through major financial decisions in their lives. 

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. While working as an executive at an insurance company, Brett began to realize how much he enjoyed working directly with his clients and wanted to be able to provide more comprehensive support and guidance to help them aim for their goals. 

So, 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. Now, he provides his clients at Artisan Wealth Strategies with personalized service and a wealth of knowledge accumulated from his decades of experience.

Raised in a small town in Arkansas, Brett credits his father with teaching him the value of a dollar from a very young age. Every night after work, his father would watch the nightly business report on PBS, and Brett would join him. Through those nightly reports and his father’s guidance, Brett has always had an innate understanding of finances and how to manage money well.

Brett now lives in Carmel, Indiana, with his wife, Christine, and their three children—Maryrose, Caroline, and Grant. His family is his favorite pastime, but he’s also an avid athlete. He’s run several half marathons and a full marathon, loves to golf, and enjoys coaching others as well.

An active member of his community, Brett has organized many educational classes on financial topics such as budgeting, eliminating debt, and planning for retirement, and has volunteered and taught similar classes for many non-profit organizations. Above all, Brett is committed to educating others—especially his clients—to become confident in their own financial decisions.

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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Handcrafting Your Wealth: The Story Behind The Name (Ep. 2)

Handcrafting Your Wealth: The Story Behind The Name (Ep. 2)

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Handcrafted for a confident retirement is the motto Artisan Wealth Strategies prides itself on.

The commitment to this statement is why one of the first things discussed with any client at Artisan is to understand their circumstances and really get to know them over time.

Back with the second episode of Handcrafting Your Retirement, we get to know the story behind the Artisan name and the vision for this podcast. Our host, Brett Ramsey CFP, MBA shares insightful wisdom about the importance of building relationships with clients over time to increase confidence in their retirement. He helps us understand what makes a relationship go from good to great, and how his unique background has impacted the way he has evolved his business to where it stands today.

Brett discusses:

  • The business model and philosophy that Artisan Wealth Strategies prides itself on
  • Why a timed relationship is a key process in retirement planning 
  • The importance of developing contingency plans to increase confidence 
  • How evolving and adapting in life, and retirement planning, are imperative to getting the outcomes you want
  • ….And so much more!

Resources:

Connect with Brett Ramsey: 

About Brett Ramsey CFP, MBA:

Brett is one of our owners and LPL financial advisors here at Artisan Wealth Strategies and has been in the financial industry for 20 years. He specializes in retirement income planning, as well as comprehensive financial planning, and enjoys guiding and supporting his clients through major financial decisions in their lives. 

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. While working as an executive at an insurance company, Brett began to realize how much he enjoyed working directly with his clients and wanted to be able to provide more comprehensive support and guidance to help them reach their goals. 

So, 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. Now, he provides his clients at Artisan Wealth Strategies with personalized service and a wealth of knowledge accumulated from his decades of experience.

Raised in a small town in Arkansas, Brett credits his father with teaching him the value of a dollar from a very young age. Every night after work, his father would watch the nightly business report on PBS, and Brett would join him. Through those nightly reports and his father’s guidance, Brett has always had an innate understanding of finances and how to manage money well.

Brett now lives in Carmel, Indiana, with his wife, Christine, and their three children—Maryrose, Caroline, and Grant. His family is his favorite pastime, but he’s also an avid athlete. He’s run several half marathons and a full marathon, loves to golf, and enjoys coaching others as well.

An active member of his community, Brett has organized many educational classes on financial topics such as budgeting, eliminating debt, and planning for retirement, and has volunteered and taught similar classes for many non-profit organizations. Above all, Brett is committed to educating others—especially his clients—to become confident in their own financial decisions.

Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA & SIPC

The opinions voices 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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“Helping Make Your Money Last One Day Longer Than You” (Ep. 1)

“Helping Make Your Money Last One Day Longer Than You” (Ep. 1)

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“Helping make your money last one day longer than you” is one of the notions Artisan Wealth Strategies stands by.

In this very first episode of Handcrafting Your Retirement podcast, Brett Ramsey CFP, MBA, co-owner of Artisan Wealth Strategies, gives listeners a grasp of what this notion means and why it should matter to you. 

Tune in to the inaugural episode where you will learn about Brett’s passion for educating retirees on finance, how Artisan Wealth Strategies approaches the client advisor relationship and the experiences that started from when Brett was a young boy that have helped shape his career.

Brett discusses:

  • His personal story and how lessons he’s learned along the way have taught him to approach every client in a unique way
  • The history behind why he got into the financial industry to help retirees and what inspired him to take this path
  • The Artisan Wealth Strategy philosophy and what sets them apart 
  • ….And so much more!

Resources:

Connect with Brett Ramsey: 

About Brett Ramsey CFP, MBA:

Brett is one of our owners and LPL financial advisors here at Artisan Wealth Strategies and has been in the financial industry for 20 years. He specializes in retirement income planning, as well as comprehensive financial planning, and enjoys guiding and supporting his clients through major financial decisions in their lives. 

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. While working as an executive at an insurance company, Brett began to realize how much he enjoyed working directly with his clients and wanted to be able to provide more comprehensive support and guidance to help them reach their goals. 

So, 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. Now, he provides his clients at Artisan Wealth Strategies with personalized service and a wealth of knowledge accumulated from his decades of experience.

Raised in a small town in Arkansas, Brett credits his father with teaching him the value of a dollar from a very young age. Every night after work, his father would watch the nightly business report on PBS, and Brett would join him. Through those nightly reports and his father’s guidance, Brett has always had an innate understanding of finances and how to manage money well.

Brett now lives in Carmel, Indiana, with his wife, Christine, and their three children—Maryrose, Caroline, and Grant. His family is his favorite pastime, but he’s also an avid athlete. He’s run several half marathons and a full marathon, loves to golf, and enjoys coaching others as well.

An active member of his community, Brett has organized many educational classes on financial topics such as budgeting, eliminating debt, and planning for retirement, and has volunteered and taught similar classes for many non-profit organizations. Above all, Brett is committed to educating others—especially his clients—to become confident in their own financial decisions.

Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA & SIPC

The opinions voices 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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