Tag: Financial Planning

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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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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

 

 Connect with Brett Ramsey:

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:

 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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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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