Bonds and Bond Alternatives

What should you keep in mind about if you’re considering Bonds as an investment option?
How can you use them as a capital appreciation play?
What are some alternatives if you think bonds might be too conservative for you?
These are the 3 points of interest we’ll focus on during this show.

For our weekly listener questions segment, we’ll talk about how to use an annuity for income and we’ll explain the difference between saving for retirement and saving in retirement.

Listen in.

Ballots & Portfolios: Navigating Retirement Investments in Election Years

Today we’re diving into a timely topic: how your retirement investments may perform in this election year, when many investors find themselves wondering how political changes might impact their portfolios. Will the outcome of the election send markets soaring or plummeting? What strategies should retirees consider to safeguard their financial future amidst the political uncertainty?

Election years can indeed be volatile for the markets due to the uncertainty surrounding potential policy changes. However, I always emphasize to my clients the importance of staying focused on their long-term financial goals. Rather than making knee-jerk reactions to political events, it’s crucial for retirees to maintain a diversified portfolio tailored to their risk tolerance and time horizon.

Listen in.

3 Reasons to Invest for Income

In this episode, we’ll cover the three main reasons to invest for income. The first one is quite obvious – you need income from your portfolio. The other two may surprise you, so listen in.

What if you don’t need income from your portfolio because you have enough income from other sources? We’ll answer this question in the second part of the show.

We’ll also touch on value stocks and growth stocks and uncover some of the differences between them.

Finally, we’ll end with a listener question about Medicare.

Listen in.

Interest Rates – Where Do We Go From Here

“Where are interest rates going to go from here and how will they affect my investments?”
This is one of the most common questions I’ve been receiving since the beginning of the year.

There’s no shortage of news when it comes to interest rates and this is what networks seem to talk about almost every time I’m asked to do an interview.

The FED has been given two mandates: to control unemployment (the labor market); and to control price stability (inflation/deflation).

In this show, we’ll talk about how these two variables influence interest rates. We’ll also tackle a couple of listener questions.

Tune in.

IRA or Roth IRA – Which Is Better?

The choice between a Traditional IRA (Individual Retirement Account) and a Roth IRA depends on your financial goals, current tax situation, and future expectations. Here are some key differences we’ll touch on during this show:

– Tax Treatment:
Traditional IRA: Contributions are often tax-deductible, meaning you can reduce your taxable income in the year you make the contribution. However, withdrawals in retirement are taxed as ordinary income.
Roth IRA: Contributions are made with after-tax dollars, so there’s no immediate tax deduction. However, qualified withdrawals (after age 59½ and the account has been open for at least five years) are tax-free.

– Withdrawal Rules:
Traditional IRA: Required Minimum Distributions (RMDs) are mandatory once you reach age 72, and you must start withdrawing a certain amount annually. Early withdrawals (before age 59½) may incur penalties.
Roth IRA: There are no RMDs during the original account owner’s lifetime. You can also withdraw your contributions (but not earnings) at any time without penalties or taxes.

– Income Limits:
Traditional IRA: There are no income limits for contributing, but the tax deductibility of contributions may be limited if you or your spouse are covered by a workplace retirement plan.
Roth IRA: There are income limits that determine whether you can contribute directly to a Roth IRA. If your income exceeds these limits, you may need to use a backdoor Roth IRA strategy.

– Flexibility:
Traditional IRA: Offers a potential tax benefit today, but you’ll pay taxes on withdrawals in retirement.
Roth IRA: Taxes are paid upfront, but qualified withdrawals in retirement are tax-free.

– Future Tax Rates:
Consider your expectations for future tax rates. If you anticipate being in a higher tax bracket in retirement, a Roth IRA might be more advantageous.

Ultimately, the “better” choice depends on your individual circumstances, including your current income, tax situation, and retirement goals. Listen in for more; we also cover Social Security in the latter part of the show.

The “Make Your Millions Last” Formula

Welcome to this week’s show – you’ll notice it’s twice as long as usual. With recent topics requiring more air time, rather than breaking up the topic into two shows, we’re switching to one weekly podcast which will be released every Monday at 5 AM PST. Reach out to and let us know what you think about this change. We hope you find it helpful.

And now – on with this week’s podcast. Did you know there’s an actual financial formula that can help you make your millions (or hundreds of thousands, or however much you have) last throughout your retirement years? Here it is:
“Live off your interest and don’t touch your principal.”

In this show, we’re going to show you how to make this formula work in real life and how you can get more interest from your investments than you actually thought possible.

We’re also going to dispel the myth that you can’t create an income by being invested in the stock market – and much more. Listen in.