Protect Your Assets

The Fed raised interest rates 0.25% last week. Is this more dovish-than-expected Fed a bullish game-changer for the market going forward? The Sandman doesn’t think so. Hear why on this week’s market segment. You can send your questions to [email protected] for a chance to be answered on air. Catch up on past episodes: http://pyaradio.com Interact with Protect Your Assets on Amazon Alexa: https://libertygroupllc.com/voice Liberty Group website: https://libertygroupllc.com/ Attend an event: www.pyaevents.com Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/ See omnystudio.com/listener for privacy information.

Though the fallout from Silicon Valley Bank has dominated markets this past week, bank bailouts averted a catastrophe for the U.S. economy and stock market. Why is this happening? What will future Fed action look like? And is this a bearish gamechanger in the fight against inflation and bank failures? All this and more on this week’s Protect Your Assets market segment. You can send your questions to [email protected] for a chance to be answered on air. Catch up on past episodes: http://pyaradio.com Interact with Protect Your Assets on Amazon Alexa: https://libertygroupllc.com/voice Liberty Group website: https://libertygroupllc.com/ Attend an event: www.pyaevents.com Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/ See omnystudio.com/listener for privacy information.

What’s the most important thing in your life? Most people answer that question with “family.” If you don’t have the right estate planning documents in place, they could be in for stress and financial hardship when settling your estate upon your death. Find out if a trust is right for you and other estate planning myths you might believe. Plus, though the fallout from Silicon Valley Bank has dominated markets this past week, bank bailouts averted a catastrophe for the U.S. economy and stock market. Why is this happening? What will future Fed action look like? You can send your questions to [email protected] for a chance to be answered on air. Catch up on past episodes: http://pyaradio.com Interact with Protect Your Assets on Amazon Alexa: https://libertygroupllc.com/voice Liberty Group website: https://libertygroupllc.com/ Attend an event: www.pyaevents.com Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/ See omnystudio.com/listener for privacy information.

The second-largest bank failure in history and the possibility of more interest rate hikes from the Federal Reserve are the hot topics of the week. Last week, Chairman Powell testified in front of Congress about how it's quite possible they will continue to raise rates. Plus, Silicon Valley Bank announced they were selling assets and trying to come up with a capital strategy to stay afloat before the FDIC stepping in to take over on Friday. Bank stocks overall dropped on the stock exchanges as a result. What happened with Silicon Valley Bank, and what does this mean for you and the U.S. economy? All that and more on this week’s market segment. You can send your questions to [email protected] for a chance to be answered on air. Catch up on past episodes: http://pyaradio.com Interact with Protect Your Assets on Amazon Alexa: https://libertygroupllc.com/voice Liberty Group website: https://libertygroupllc.com/ Attend an event: www.pyaevents.com Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/ See omnystudio.com/listener for privacy information.

The second-largest bank failure in history and the possibility of more interest rate hikes from the Federal Reserve are the hot topics of the week. Last week, Chairman Powell testified in front of Congress about how it's quite possible they will continue to raise rates. We’ve started to see the fallout of these rising rates and what it means for banks. Banks are required to keep a certain amount on deposit and in certain instruments to be available for customer withdrawals, and rising rates have affected the value of those reserves. What do rising rates and this recent bank failure all mean for you personally and our overall economy? How can you earn more interest on your “safe” money? Rising rates don't mean you have to lose money if you're prepared. The Sandman is walking through our playbook on what you need to do in this type of environment. You can send your questions to [email protected] for a chance to be answered on air. Catch up on past episodes: http://pyaradio.com Interact with Protect Your Assets on Amazon Alexa: https://libertygroupllc.com/voice Liberty Group website: https://libertygroupllc.com/ Attend an event: www.pyaevents.com Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/ See omnystudio.com/listener for privacy information.

Figuring out what to do with your company pension when you retire can be complicated—you have important choices to make that can impact both your and your family’s financial future. Once you choose your pension benefit, you are locked in forever. Plus, The decision you make will have a lasting impact on your family as well because how that money gets paid out to your spouse and/or your family after you're gone is all a function of that decision. Stephen Dobrow from Primark Benefits is on the show to discuss lump sum vs. regular pension payments and how to determine what’s right for you and your family. Plus, last week, we had a five-year breakeven on inflation expectations by hitting a new four-month high, underscoring new concerns about price pressures and where inflation is headed. Next, critical economic reports will be coming out in the next few weeks that will help determine if stocks may continue to regain lost ground, as they have after hitting their worst weekly decline in several months. All this and more on Protect Your Assets. You can send your questions to [email protected] for a chance to be answered on air. Catch up on past episodes: http://pyaradio.com Interact with Protect Your Assets on Amazon Alexa: https://libertygroupllc.com/voice Liberty Group website: https://libertygroupllc.com/ Attend an event: www.pyaevents.com Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/ See omnystudio.com/listener for privacy information.

Last week, we had a five-year breakeven on inflation expectations by hitting a new four-month high, underscoring new concerns about price pressures and where inflation is headed. Next, critical economic reports will be coming out in the next few weeks that will help determine if stocks may continue to regain lost ground, as they have after hitting their worst weekly decline in several months. All this and more on Protect Your Assets. You can send your questions to [email protected] for a chance to be answered on air. Catch up on past episodes: http://pyaradio.com Interact with Protect Your Assets on Amazon Alexa: https://libertygroupllc.com/voice Liberty Group website: https://libertygroupllc.com/ Attend an event: www.pyaevents.com Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/ See omnystudio.com/listener for privacy information.

One of the biggest decisions—and largest risks—you’ll face in retirement is how to take money out of your accounts and live off of that for the rest of your life when the markets are going up and down. If you do it right, it's possible to have predictable, consistent income month after month. But if you do it hastily, you could run out. That's what we want to help you avoid against, and one of the main reasons people run out of money is something called SOR risk, also known as sequence of return risk. This is one thing you have to closely guard against. The Sandman covers what SOR risk is and how you can protect your retirement from it. Plus, one of your most important assets is your health and well-being. Angie Campos, the clinical director of Egoscue postural therapy, is here to discuss how this therapy can help relieve pain. You can send your questions to [email protected] for a chance to be answered on air. Catch up on past episodes: http://pyaradio.com Interact with Protect Your Assets on Amazon Alexa: https://libertygroupllc.com/voice Liberty Group website: https://libertygroupllc.com/ Attend an event: www.pyaevents.com Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/ Egoscue postural therapy: https://your.egoscue.com/podcast See omnystudio.com/listener for privacy information.

The Core PCE Price Index shows inflation is not decreasing, which is how the Fed determines if interest rates should continue to rise in an attempt to combat it. This creates a headwind on stocks, making it tougher for companies to make money. Add that recipe into the market, and you get a negative reaction. How can shorter-duration Treasuries help mitigate some of the losses you may be experiencing in your stock portfolio? All that and more on this week’s market segment.See omnystudio.com/listener for privacy information.

2023 is off to a strong start for consumer spending. Even though the economy started on solid footing in January, the unexpected consumer strength, the tight labor market, and inflation, which keeps hanging in there, is challenging the Fed to keep interest rates higher for longer. Hear the rest of The Sandman’s market report.See omnystudio.com/listener for privacy information.

Some uncertainty and volatility returned to the markets last week, prompting the question: Will the rally continue or will volatility increase? Plus, the 10-2 spread is inverted, meaning the two-year Treasury is paying more than the 10-year Treasury. Does this mean the Fed has raised rates too much? All this and more on this week’s market segment.See omnystudio.com/listener for privacy information.

U.S. stock markets rose, but gains have evaporated a bit with the Fed’s most recent rate hike and data pointing to a tight labor market. Central banks are also becoming more nuanced in their fight against inflation. Consumers are still out there, the economy is still moving ahead, unemployment obviously still positive, but a recession could still be on the horizon. All this and more on Protect Your Assets this week. See omnystudio.com/listener for privacy information.

It’s easier to plan for and control when taxes are paid than you might think. People are often surprised to discover that taxes are one of their biggest expenses in retirement. For many, the assumption is that once they retire and their paychecks stop coming, taxes would go down. Reducing the taxes you pay in retirement means you likely will need to withdraw less money from your savings each year to cover expenses. As a result, your savings may last longer, leaving more money available to spend on things you enjoy. While most people understand this, many often fail to fully appreciate the control they could have over taxes. People who acquire large amounts of wealth often recognize that many strategies exist to control when taxes will be paid. More important is the realization that by timing when taxes are paid, opportunities arise to also control the amount of those taxes. With the planned sunsetting of the 2018 Tax Cuts and Job Acts and concern that tax rates might be rising in the future, now is an ideal time to understand the extent of your control over your taxes and how this might lead to a more confident and enjoyable lifestyle now—not to mention your retirement. Plus, U.S. stock markets rose, but gains have evaporated a bit with the Fed’s most recent rate hike and data pointing to a tight labor market. Central banks are also becoming more nuanced in their fight against inflation. Consumers are still out there, the economy is still moving ahead, unemployment obviously still positive, but a recession could still be on the horizon. All this and more on Protect Your Assets this week. You can send your questions to [email protected] for a chance to be answered on air. Catch up on past episodes: http://pyaradio.com Interact with Protect Your Assets on Amazon Alexa: https://libertygroupllc.com/voice Liberty Group website: https://libertygroupllc.com/ Attend an event: www.pyaevents.com Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/ See omnystudio.com/listener for privacy information.

The market had a great week last week, and jobless claims near multi-decade lows. It’s unclear how much economic growth we will see and how the strong labor market will impact earnings. The buzz also continues to be around if we’ll have a hard or soft landing from the Fed. Particularly strong January performance has often been a signal of above-average gains for the year ahead. Going forward, The Sandman thinks recessionary pressures are going to continue, and we'll continue to see falling corporate earnings and layoffs, particularly in the tech sector, causing volatility in this first half of the year. Catch the rest of the weekly market report on this week’s episode. See omnystudio.com/listener for privacy information.

Are you thinking of retiring this year? Now is the time to start planning—from what to do with cash sitting in your bank account to how to withdraw your Social Security benefits most effectively. Hear three retirement pitfalls to avoid. Plus, the market had a great week last week, and jobless claims near multi-decade lows. It’s unclear how much economic growth we will see and how the strong labor market will impact earnings. The buzz also continues to be around if we’ll have a hard or soft landing from the Fed. Particularly strong January performance has often been a signal of above-average gains for the year ahead. Going forward, The Sandman thinks recessionary pressures are going to continue, and we'll continue to see falling corporate earnings and layoffs, particularly in the tech sector, causing volatility in this first half of the year. Catch the rest of the weekly market report on this week’s episode. You can send your questions to [email protected] for a chance to be answered on air. Catch up on past episodes: http://pyaradio.com Interact with Protect Your Assets on Amazon Alexa: https://libertygroupllc.com/voice Liberty Group website: https://libertygroupllc.com/ Attend an event: www.pyaevents.com Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/ See omnystudio.com/listener for privacy information.

Plus, recent earning results have been mixed, and the markets have been following earnings this last week for any signals about growth. Growth and inflation go hand in hand because that sets up stagflation—something we’re trying to avoid. Are we going to get a soft landing from the Fed? Will they continue to raise rates? There’s lots of opinions floating around about this. Hear The Sandman’s take this week. You can send your questions to [email protected] for a chance to be answered on air. Catch up on past episodes: http://pyaradio.com Interact with Protect Your Assets on Amazon Alexa: https://libertygroupllc.com/voice Liberty Group website: https://libertygroupllc.com/ Attend an event: www.pyaevents.com Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/ See omnystudio.com/listener for privacy information.

If you own a business or are a member of company leadership, whether it be a string of gas stations or a Fortune 500 Company, 2023 may be a tough year for your bottom line. Hopefully, all sorts of negative business influences—like recession fears, stagflation, and labor challenges—are on your planning agenda. Here are some tips to help you address some of these issues and make smart business decisions to keep your business healthy this year. Plus, recent earning results have been mixed, and the markets have been following earnings this last week for any signals about growth. Growth and inflation go hand in hand because that sets up stagflation—something we’re trying to avoid. Are we going to get a soft landing from the Fed? Will they continue to raise rates? There’s lots of opinions floating around about this. Hear The Sandman’s take this week. You can send your questions to [email protected] for a chance to be answered on air. Catch up on past episodes: http://pyaradio.com Interact with Protect Your Assets on Amazon Alexa: https://libertygroupllc.com/voice Liberty Group website: https://libertygroupllc.com/ Attend an event: www.pyaevents.com Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/ See omnystudio.com/listener for privacy information.

The Secure Act 2.0 is now law. While there are dozens of provisions in the act, a few highlights include RMD age limit increases, timeframes for taking distributions from inherited IRAs, catch-up contributions for retirement accounts, and so much more. Also, The Sandman breaks down the eight types of people who might not want to do a Roth IRA conversion. Plus, the stock and bond markets were both up last week, a result of inflation dropping for the third straight month. The core Consumer Price Index, which includes food and energy, eased lower to 5.7%, but the Fed stated it wanted it around 2% to start cutting rates to stimulate the economy. How have markets historically performed when the Fed is about to pivot or to change direction? You can send your questions to [email protected] for a chance to be answered on air. Catch up on past episodes: http://pyaradio.com Interact with Protect Your Assets on Amazon Alexa: https://libertygroupllc.com/voice Liberty Group website: https://libertygroupllc.com/ Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/?month=2022-11 See omnystudio.com/listener for privacy information.

The stock and bond markets were both up last week, a result of inflation dropping for the third straight month. The core Consumer Price Index, which includes food and energy, eased lower to 5.7%, but the Fed stated it wanted it around 2% to start cutting rates to stimulate the economy. How have markets historically performed when the Fed is about to pivot or to change direction? See omnystudio.com/listener for privacy information.

It’s a new year. Have you been thinking of your goals for this year? Is one of those goals to retire in 2023? How about saving for something you always wanted? We’re going to share some easy things you can do to save more money and get ready for retirement if that's what you're thinking about. All the major stock markets have been up a little bit. Will that continue? Are you prepared for what could be coming here in the next six weeks? Are you financially prepared to take care of yourself for the next 20, 30, maybe even 40 years? What about a loved one? A fairly extensive research study recently concluded that the vast majority of you are not prepared for retirement. And here's why. Retiring today is different than it was ten years ago, especially when most company-sponsored pension plans are obsolete. We're living much longer. You have to figure out how to generate income off your assets without putting everything you've worked for at risk. And right now, with inflation and expenses, everything's so much more expensive. Taxes are tough, too. Stay tuned here for our first financial bootcamp of the year, where we cover some basics you need to know. You can send your questions to [email protected] for a chance to be answered on the air. Catch up on past episodes: http://pyaradio.com Interact with Protect Your Assets on Amazon Alexa: https://libertygroupllc.com/voice Liberty Group website: https://libertygroupllc.com/ Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/?month=2022-11 See omnystudio.com/listener for privacy information.

The market had a positive week due to wage growth as well as the December jobs report suggesting that inflation may be cooling off. How will growth perform against value going forward in 2023? Find out the answers you need in this Protect Your Assets Market Recap. You can send your questions to [email protected] for a chance to be answered on the air. Catch up on past episodes: http://pyaradio.com Interact with Protect Your Assets on Amazon Alexa: https://libertygroupllc.com/voice Liberty Group website: https://libertygroupllc.com/ Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/?month=2022-11 See omnystudio.com/listener for privacy information.

Last week closed the most difficult year for stocks investors have seen since 2008 and the worst year for bonds in a very long time. However is there upside to capture or is there a recession coming? Find out what you need to know in this Protect Your Assets Market Recap. You can send your questions to [email protected] for a chance to be answered on the air. Hands-free listening: https://libertygroupllc.com/voice/ Attend an event: http://pyaevents.com/ Liberty Group website: https://libertygroupllc.com/ Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/?month=2022-10See omnystudio.com/listener for privacy information.

There are some key things to take care of before the end of the year regarding your finances. Many people are trying to minimize taxes and figure how much money you’ve lost in the markets this year. Some of you may be concerned about your financial future in general. Find out how to mitigate risk in the markets and prepare for the recession coming next year in this episode of Protect Your Assets. You can send your questions to [email protected] for a chance to be answered on the air. Catch up on past episodes: http://pyaradio.com Attend an event: http://pyaevents.com/ Liberty Group website: https://libertygroupllc.com/ Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/?month=2022-10See omnystudio.com/listener for privacy information.

There was no rally this past week as stocks finished lower yet another week. All major indexes were down as we head towards a recession in the first part of 2023. However the Ten Year Treasury was up and actually finished up for the year. This has been an incredibly tough year for the markets, how has that impacted you? Find out what you should be looking out for in this Protect Your Assets Market Recap.See omnystudio.com/listener for privacy information.

Former Treasury Secretary Janet Yellan said in an interview that we are not headed towards a recession in 2023. However many CEO’s disagree and in fact they are laying off more people then they did in the 2008 recession. Will you be able to retire if we are headed towards a recession or will you have to go back to work? Find out how to prepare and protect yourself for a recession in this episode of Protect Your AssetsSee omnystudio.com/listener for privacy information.

We finally saw some evidence that inflation is starting to go down. This is good news that we are finally starting to recover. How does this impact our economy, and will it stop a recession from happening? Find out what you need to know in this Protect Your Assets Market Recap.See omnystudio.com/listener for privacy information.

The Consumer Price Index, a direct measure of inflation, is on the way next week. The Fed looks at this data to determine future rate hikes. Does The Sandman see another rate hike in our future? Plus, hear his answer to the question: Why is the volatility index VIX so low, and is it losing its credibility overall as we analyze markets? All that on more on this week’s market segment.See omnystudio.com/listener for privacy information.

Stocks had a pretty positive week, as Chairman Powell has some decent news. Were his comments really that positive? Plus, the latest jobs report has supported a general theme of cooling from a position of strength. The Fed's going to have some ammunition to potentially raise 75 basis points soon. Hear The Sandman’s take on the economy in this week’s market segment.See omnystudio.com/listener for privacy information.

Reports are showing that inflation and rising costs to borrow money have caused a solid contraction in business activity across the U.S. private sector, which helped the market in November. Then, some negative news from the University of Michigan’s five-year inflation expectations survey that showed long-term inflation remaining at 3%. What do we need to see occur before we can say that the bottom is here and stocks start to move up? The Sandman reflects on his three keys to identifying the bottom on this week’s market segment. See omnystudio.com/listener for privacy information.

Crypto came up in a big way this week. What’s next for the industry? Plus, inflation and industrial production are intertwined. Find out how in this week’s market segment. See omnystudio.com/listener for privacy information.

Americans collectively lose $50 billion per year to fraud. Fraudsters and thieves are innovative professionals, constantly reinventing ways to rip you off. When fraud happens or a robbery happens, you're left not only with financial loss but a compromised identity and emotional distress. However, there are ways to protect yourself. And today, Piedmont California Police Chief Jeremy Bowers is in the studio to cover common present-day scams and crimes, why they are successful, some red flags that a scam may be afoot, and what you can do if it happens to you. Plus, catch the weekly market report where The Sandman breaks down what’s next for the cryptocurrency industry, recent negative corporate earnings news, and capacity utilization for industrial production—and so much more. You can send your questions to [email protected] for a chance to be answered on the air. Catch up on past episodes: http://pyaradio.com Interact with Protect Your Assets on Amazon Alexa: https://libertygroupllc.com/voice Liberty Group website: https://libertygroupllc.com/ Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/?month=2022-11 See omnystudio.com/listener for privacy information.

Federal government employees, including members of the armed forces, have access to a tax-deferred retirement and investment vehicle called the Thrift Savings Plan (TSP). If you're not using it in the right ways, it can be costly for you. Like a good education, it only helps if you use it. This episode shares five common mistakes people make with their TSP—costly mistakes that you could be making right now. If you or your loved ones have a TSP or are in service of the federal government, listen to this entire show as we expose the risks of the G Fund and more and how to fix them. Plus, catch the weekly market report where The Sandman discusses if inflation is cooling and if better times are ahead for the 60-40 portfolio, which was down 21% last month—losses we haven't seen since 2008. You can send your questions to [email protected] for a chance to be answered on the air. Catch up on past episodes: http://pyaradio.com Interact with Protect Your Assets on Amazon Alexa: https://libertygroupllc.com/voice Liberty Group website: https://libertygroupllc.com/ Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/?month=2022-11 See omnystudio.com/listener for privacy information.

All the major indexes gapped higher at market open in the wake of a much cooler-than-feared October Consumer Price Index report, which measures inflation. Does this mean inflation is cooling? And are we still seeing signs of a bear market? Hear The Sandman’s commentary on this week’s market segment. See omnystudio.com/listener for privacy information.

If you have older parents, you may be wondering if they are going to be okay, not only financially, but also if something happens to them health-wise. Talking to your parents about their money and estate plan can be tough for a variety of reasons. Since Thanksgiving is a couple of weeks away, it’s a good idea to start preparing for a talk with your parents about their finances, especially if it's likely that you're going to be the one in the family who's going to be taking care of them. Here are seven questions to ask your parents to help get that conversation started. You can send your questions to [email protected] for a chance to be answered on the air. Catch up on past episodes: http://pyaradio.com Attend an event: http://pyaevents.com/ Connect with us on Amazon Alexa: https://libertygroupllc.com/voice/ Liberty Group website: https://libertygroupllc.com/ Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/?month=2022-10 See omnystudio.com/listener for privacy information.

The markets had a negative week this past week, but why? What rocked the rally? There are three reasons: 1) The Fed’s decision to raise the Fed funds rate by 0.75%, bringing the rate from near zero to 4.0% this year, and 2) the recent JOLTS report, and 3) PMI – manufacturing index results. Hear The Sandman’s more detailed analysis of the stock market and economy in this week’s market segment. See omnystudio.com/listener for privacy information.

If you've wondered about bad investments, excessive fees, or getting duped by fraudsters, this Halloween show is for you as we uncover five some of the top tricks that cybercriminals, financial advisors, and financial institutions use to dupe unknowing investors into making bad decisions with their finances. Some may even be unknowingly participating in these.See omnystudio.com/listener for privacy information.

After an interesting rally the last few weeks, the markets, bonds, and oil all ended up for the week, but the S&P 500 and Nasdaq are still in bear market territory. Why? This market segment covers year-to-date numbers, the impact of heavy weighting in tech, and some signs that the Fed’s actions against inflation are starting to work.See omnystudio.com/listener for privacy information.

Last week there was finally some positive movement in the markets as all major indexes finished the week up over four percent. Does this mean that the current bear market is almost over? Find out the answers to your questions in this week’s Market Recap.See omnystudio.com/listener for privacy information.

Are you married, thinking about getting married, or happily living with your life partner? One of the most common disagreements and conflicts between couples has to do with money. If protecting your assets during these volatile times is important to you, it's important that you get some advice when it comes to your marriage and money. The financial and investing world is intimidating. It's confusing, and people tend to freeze and do nothing or do the wrong thing—and no one wants to make a bad decision with their money. If there's one thing we know, it's that people just want to be heard and they want a plan that they can understand and implement. Does that sound familiar to you? On this episode, we're sharing how to design a retirement that keeps you both happy and walking you through the steps to get there. You can send your questions to [email protected] for a chance to be answered on the air. Catch up on past episodes: http://pyaradio.com Attend an event: http://pyaevents.com/ Liberty Group website: https://libertygroupllc.com/ Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/?month=2022-10See omnystudio.com/listener for privacy information.

With the stock market volatility this year, there’s no shortage of whispers—and shouts—that we’re in a bear market and/or recession. Inflation is on many people’s minds. What is a bear market, and what do you need to know about them? What can you do right now to protect yourself? Can you recover this late in the game? Are you still able to retire, even though your 401(k) may be down 30% or more? This has been a very interesting year. Bonds are down over 15% year to date. The S&P and NASDAQ are in bear market territory. It's a very interesting bear, not your normal bear. And you get all these people talking about new things that are happening—and of course, that's when everyone starts to get nervous. We're doing a quiz today about what bear markets are, how long they last, and what else should you know. Hear some facts and myths about bear markets on this episode, The Bear Market Quiz: Do You Know More Than an Eighth Grader? Answer questions like: How are bear markets determined?· Which factors are likely to cause bear markets? How often do bear markets occur? How long do they last? You can send your questions to [email protected] for a chance to be answered on the air. Hands-free listening: https://libertygroupllc.com/voice/ Attend an event: http://pyaevents.com/ Liberty Group website: https://libertygroupllc.com/ Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/?month=2022-10See omnystudio.com/listener for privacy information.

It was another volatile week for the markets, with the S&P finishing the week up and the NASDAQ and Dow both in the negative. This volatility has a lot of people rattled, so what happened and why was last Thursday such a rollercoaster? Find out what you need to be looking out for in this week’s Market Recap.See omnystudio.com/listener for privacy information.

This past week the Dow was off almost 20 percent for the year and the S&P was still off over 23 percent. This shows that volatility is here to stay in the near future. What factors are leading this current wave of volatility in the markets? Find out in this week’s Protect Your Assets Market Recap.See omnystudio.com/listener for privacy information.

It's not a matter of if your health fails but when your health fails. And when it does, the people you love are the ones who pay the biggest price. It'll be your spouse and/or your kids who will have to care for you and who are left holding the bag on the medical bills that are oftentimes enough to completely wipe someone out. The Sandman has a strategy for veterans called Aid & Attendance Benefits to get additional financial assistance from the Veteran’s Administration. Also, as if RMDs aren’t confusing enough for retirees, Congress is considering 2 new bills that could have an impact on your RMDs. Could your RMDs be affected? If you’re RMD age (which is 72 by the way) or you will be RMD age in the next 5–10 years, this show is for you. Important changes could include: The age when RMDs are required to begin Penalties for missed RMDs Using QLACs to shield retirement funds from RMDs Read more: https://www.kiplinger.com/retirement/retirement-plans/required-minimum-distributions-rmds/605212/rmd-changes-possible-this-year Hands-free listening: https://libertygroupllc.com/voice/ Attend an event: http://pyaevents.com/ Liberty Group website: https://libertygroupllc.com/ Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/?month=2022-10See omnystudio.com/listener for privacy information.

The third quarter ended last week and the market hit lows for the year as all major indexes are down over 20 percent. How deep will this economic downturn be? Find out what you should be looking out for in the days ahead in this week’s Protect Your Assets Market Recap. See omnystudio.com/listener for privacy information.

A new poll out points to some surprising trends on how people are thinking and feeling about money in retirement these days. Find out what your peers may be worrying about and, more importantly, what you can do right now to remove that worry in your life. Hear The Sandman’s answers to questions like: · How can you account for inflation in your retirement plan? · What are some potential sources of retirement income you can capitalize on now? · How can you create your own pension? · Is Social Security financially viable over the long term? · What strategy can you employ to withdraw money in retirement each year to reduce the likelihood that you’ll run out of money? We believe that instead of being consumed by worry, it's better to take action—take steps to reduce that worry and put you back in control. Wouldn't that feel better? To regain a sense of control amidst all of this chaos, stay tuned as we talk about this new retirement money poll: what people are worried about and what you should be doing about it right now. Link to Kiplinger poll: https://www.kiplinger.com/retirement/605176/a-kiplinger-athene-poll-retirees-are-worried-about-money Register for a workshop: https://libertygroupllc.com/attend-an-event/ Liberty Group website: https://libertygroupllc.com/ Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/?month=2022-10See omnystudio.com/listener for privacy information.

There may not be a financial product that is surrounded by more confusion and misinformation than annuities. It is important that you zero in on the misunderstood facts about variable annuities and potentially expose their darker side. Don’t get exposed to high fees and get talked into a variable annuity only to regret it later. Find out what you need to know about variable annuities before it is too late in this episode of Protect Your Assets. See omnystudio.com/listener for privacy information.

It was another rough week for the markets as all major indexes finished down over four percent. Oil is slowly pulling back and bonds are off twelve percent year to date. So what should you do going forward? How did the consumer price index impact the market? Find out in this week’s Protect Your Assets market recap. See omnystudio.com/listener for privacy information.

Teaching our kids about earning and saving money is an important life skill that can pay huge dividends in their future. Starting the conversation can be difficult as you may not know where to begin. Find out six things you need to teach your children when it comes to finances in this episode of Protect Your Assets.See omnystudio.com/listener for privacy information.

The markets finished lower for the third straight week as we continue to head towards correction territory. Bonds finished down yet again, so there are very few places to hide overall. What caused the markets to slide further down? Find out in this Protect Your Assets market recap.See omnystudio.com/listener for privacy information.

It was a tough week for the markets as all major indexes finished over four percent down for the week. Fed Chair Powel spoke at Jackson Hole last week, and fed policy was different than market expected. Will inflation and rising rates continue to negatively impact the markets? Find out in this Protect Your Assets market recap.See omnystudio.com/listener for privacy information.