Renovating Retirement With Charlie Jewett

Back to the Four Google Searches series! In this episode I'll explain the risk of Sequence of Returns. IT DOES NOT MATTER WHAT YOU EARN IN THE STOCK MARKET, BUT RATHER WHAT ORDER YOU EARN THOSE RETURNS IN. Your Broker is FOR SURE hiding this one from you. Also see this chart that I reference in the episode: https://www.instagram.com/p/BZDAkzTh339/?taken-by=charlie.jewett Please Rate and Review The Show HERE

You know...there was a time when most people thought the earth was flat. MOST people thought the same thing and it turned out that they were all wrong. Have you heard that you have to take more risk to get more reward? It's the "No Pain, No Gain" of the financial services industry but completely false. It's a lie. Another lie from the Joker Brokers to keep you from using safer, higher-paying investment tools and strategies. Check out Charlie.Jewett on instagram for the picture I reference in this podcast Please Rate and Review The Show HERE

This is the second of the four essential google searches you need to run. The results of these searches will make it easy for you to angrily fire your joker broker and move your money to where you will pay less fees, historically earn more money, have higher income, pay less taxes, have more benefits, leave more behind for loved ones and have more for long term care. You'll love the feeling of empowerment when you know more than your broker does about how things really work in the financial services industry. Enjoy! Please Rate and Review The Show HERE

I'm back and I'm fired up!!! There are four essential searches you MUST do on google if you are even considering leaving money in the market while in retirement. The market does NOT beat safer strategies and money managers lie through their teeth to keep you as clients. Listen in as I teach the first google search you must do to begin understanding the web of lies the Joker Brokers spin. Please Rate and Review The Show HERE

Bill Manassero is on his way to owning 1,000 rental units. Learn how to use cash flowing real estate to create mailbox money in retirement. Please Rate and Review The Show HERE

This highly-caffeinated episode is not for the faint of heart! I'm going right for the jugular whether you are an Advisor or an Investor. DO NOT BE STUPID ON PURPOSE. This is one of my longer episodes mostly due to way too many cups of coffee today. Let me show you how to not be Stupid on Purpose and how to know if your Advisor is purposefully hurting you. Enjoy! Please Rate and Review The Show HERE

Forgive me, I was in a mood. Let's talk about Sheep making babies....whaaaaaaaat? That's right, sheep should be having lambs and your money should be making Baby Money or compound interest. In this podcast I will show you money that is sitting idle, not compounding, not keeping up with inflation and what to do about it. Please Rate and Review The Show HERE

You have two types of money in your life: chunks of money and streams of money. What do you do with each? What are the options? How do you optimize each one? What about Qualified Money vs. Non-Qualified, After Tax money? In this episode I'll give you my thoughts after 12 years and reviewing over 1,000 financial plans. Please Rate and Review The Show HERE

Firing your current Advisor, or downgrading them to only working as a subcontractor trying to grow all or a portion of your IN-Crease Accounts, does not need to be a difficult decision. They are either qualified to get you to and through retirement or they are not period. It doesn't matter whether the flaws in your current plan are innocent mistakes they made or purposeful deception.....all that matters is that you understand that this is business and you MUST not allow someone who is ignorant or someone who is immoral to handle your retirement planning. This podcast will help you know how to identify when to leave your current Advisor. Please Rate and Review The Show HERE

In the middle of a speaking engagement a woman asks me "Charlie, what is your net worth?" Let's talk about this because inside of this understandable question lies a life-changing lesson for those who wish to live the best retirement possible. Please Rate and Review The Show HERE

This episode exposes the greatest lie in the financial services industry and covers another chapter from my book Keeping Your Money. You must be earning Real Compound Interest or your money won't grow. Learn how to spot the "average rate of return" lie that every Joker Broker uses to trick you into buying their crappy mutual funds. You'll love this episode and feel empowered when speaking to financial professionals. Please Rate and Review The Show HERE

In this episode I will cover the content from the Keep it Global chapter of my book Keeping your money. Do the five parts of your financial plan work together in harmony, all supporting and contributing to each other? Or, do they work against each other causing financial friction without you even being aware that it's going on? Listen in and learn how to get your Mortgage Plan, Estate Plan, Retirement Plan, Insurance Plan and Tax Plan to all work together in lucrative harmony. Please Rate and Review The Show HERE

This episode is the start to an eight part series based on a book I'm writing entitled "Keeping Your Money". In this first podcast I'll be talking about the reason we save for retirement and what's the point of the entire retirement planning discipline. Without understanding why you are even doing this it quite easy to make costly mistakes. Please Rate and Review The Show HERE

Dollar Cost Averaging is a very popular strategy when you are saving money for retirement. When you retire, and begin taking money out of retirement accounts, Reverse Dollar Cost Averaging presents a problem and it's important to understand this problem. On this episode I will explain Reverse Dollar Cost Averaging and teach you what to do about it.

In this episode I'm going to teach you how to use mortgages to supercharge any type of monthly or annually funded investing you are doing. If you are putting money into 401ks, IRAs or mutual funds monthly or annually there's a better way that can net 91% more money at no extra cost! Please Rate and Review The Show HERE

The last four shows have proven that home equity fails every test of a wise investment and that no one can say that paying off your mortgage is a conservative strategy. So, if you are not going to pay off your mortgage, where should you be storing/building up your home equity? This episode will introduce you to the concept of the Equity Savings Account. We need a place to store home equity that is Liquid, Safe, earning a good Rate of Return and provides Tax Deductions. I found it! Please Rate and Review The Show HERE

This is the final episode of the four episodes where I show that home equity fails ALL of the tests of a wise and good investment. Besides failing the Liquidity Test, The Safety Test and The Rate of Return Test home equity also hurts you on your taxes, causing you to pay more than you should, so it fails The Tax Treatment Test. Listen to this final episode and then in future episodes I'll show you where my clients have been safely storing their home equity for over eleven years now. Please Rate and Review The Show HERE

What's the rate of return you earn on your home equity? Did you say "Oh, over the last 30 years homes appreciated about 5-7%" or something like that? You just made a mistake that's costing you thousands of dollars per year and causing you to carry unnecessary risk. Homes appreciate but the dollars you store INSIDE of your home (Home Equity) has no rate of return. At best you are saving the net cost of a tax-deductible mortgage payment which might be 2.8%-3% in 2016. Listen in to hear why home equity fails the rate or return test and what to do about it. Please Rate and Review The Show HERE

In this episode I'll cover the second proof that paying off your mortgage is a dangerous and unwise financial decision based on outdated data. Home equity is not safe from depreciation, foreclosure or natural disaster even if you carry insurance. Listen in and find out how home equity fails not just the second test but ALL tests of a wise and conservative investment. Please Rate and Review The Show HERE

In this episode I'm going to begin to show you how home equity, paying off your mortgage, fails all four tests of a wise investment. It's very popular and very comfortable to pay off your mortgage but compared to the alternative way of being debt free it's a terrible financial decisions. The first test that home equity fails is the Liquidity Test...listen in to hear what I mean. Please Rate and Review The Show HERE

This is where I started my career as a Financial Educator eleven years ago! An expert in Mortgage Planning, which is using mortgages to create a better retirement, trained me personally over about a twelve month period. The mortgage is the most powerful tool in retirement planning and personal finances. You will not believe what the mortgage can do to lower risk, increase returns, increase retirement income, increase long term care, take better care of a spouse if you pass away, etc. This episode will introduce a series I'm doing on Mortgage Planning. Please Rate and Review The Show HERE

This is a lighthearted episode where I tell the story of my son and I being asked to go pig hunting in Hawaii by a complete stranger. We had no idea what we were getting ourselves into! As it turns out feral pigs and joker brokers actually have a lot in common so I decided to use this pig hunting experience to teach a financial truth. Enjoy! Please Rate and Review The Show HERE

Are you enjoying your marriage to the IRS? Did you know you can divorce the IRS and choose not to pay taxes on IRA/401k Income in the future? For those who think taxes may go up this episode explores the option of converting your existing Qualified Plan money (401ks, IRAs, TSPs, 403bs, 457s, etc.) to Roth IRA where you pay off the IRS so you never owe taxes on this money again....no matter how high taxes go. Please Rate and Review The Show HERE

Taking money from IRAs and 401ks may allow the IRS to charge taxes on your Social Security Income. In this episode I'll do a brief explanation of the problem we call The Tax Torpedo. Please Rate and Review The Show HERE

Most people should not be using 401ks and IRAs to save for retirement. So what should you be doing? Should you use pretax money and invest in 401ks and IRAs or after tax money and use Roth IRAs and Cash Value Life Insurance? It's actually a very simple matter of just answering two simple questions I call "The Litmus Test". Listen and and find out which way you should be saving for retirement. Please Rate and Review The Show HERE

In this second episode of Tax Week I'm going to talk a bit about the IRS's job and how to play the game of lowering taxes while having fun. I'll introduce you to the most successful card the IRS has ever played in the game they play which is "take our money and make it THEIRS". Please Rate and Review The Show HERE

In this episode I interview Author David McKnight, who teaches retirees how to be in a zero percent tax bracket. We also talk a bit about a new book he has just released Please Rate and Review The Show HERE

There's a place to put your money where it will grow by a guaranteed 8%-9% per year. Sound too good to be true? Listen to this short episode and see which tool it is and how to use it. Please Rate and Review The Show HERE

How would you answer this question? "Musicians make a lot of money?". It's a hard question to answer....which musician? Some do, some don't. Well, what if someone says "Annuities have high fees" or "Cash value life insurance is a bad investment"? I'm going to give you a tool that will protect you from the bad guys who make sweeping statements to try to get you to buy what pays them the most. Please Rate and Review The Show HERE

In this episode I'm going to walk you through a process I went through in the beginning of my career as a retirement planner. Let's look at the entire history of the S&P 500 Index and see if we can find any clues on how it moves, what happens after loss years, how many loss years vs. gain years etc. There are some hidden gems for your financial planning decisions in looking at how the S&P 500 Index moves. Please Rate and Review The Show HERE

How important is it to have coaches and mentors that you follow in anything you do? Extremely important....the best performers in the world, the people who achieve the best results at what they do, all have coaches. In this episode I'll explain some of my journey using coaches, talk about the status of today's financial gurus and tell you how to find people who tell the truth. Please Rate and Review The Show HERE

Is it prudent to think that the market, and our economy, will behave in exactly the same way as two thirds of the work force retires, stops putting money into the stock market and begins to take it out? Is there a chance that the financial "weather" we've experienced as the Baby Boomers saved for retirement may change as they take all of that money out of the market to spend in retirement? This is what I cover in this episode. Please Rate and Review The Show HERE

My host is in a different time zone so this looks like it was released on July 5th but trust me....I posted it on the fourth a July like a good American Podcaster! On this Independence Day let me teach you how to make a Declaration of Financial Independence. Please Rate and Review The Show HERE

Competition is great, and capitalism is great, but there's something that's allowed in all industries that I don't think should be allowed in the Financial Services Industry. The damage that this is causing to your retirement is far too much of a price to pay. In this episode I will explain why it's OK when selling popcorn but doing the same thing to retirees...not OK. Please Rate and Review The Show HERE

What are ten sure fire ways to improve your retirement? I'm glad you asked. That's exactly what I'll cover in this episode...ten things you can do to set up your financial and retirement plan for maximum results and maximum enjoyment. Please Rate and Review The Show HERE:

What are the top ten things you absolutely have to avoid to have the best retirement possible? I'll cover them in this episode. Whether you are 30, 40, 50, 60 or 70 avoiding these ten mistakes will dramatically improve your financial and retirement planning.

Traditionally life insurance is for younger couples who have children or a surviving spouse to care for. Well...I'm not traditional, life insurance is just another tool and as with any expert at their craft life insurance can be used to do some pretty incredible things. Listen in on why I think you, or your older parents, or your older friends, should buy life insurance....I cover multiple ways to use this tool. Please Rate and Review The Show HERE:

Episode 57 is my plea to you to see clearly the fact that insurance companies played no roll in the 14 trillion dollar loss of net worth experienced by Americans in 2008. None of my clients lost any money in indexed annuities or indexed universal life insurance and it will help you tremendously to realize that risk is optional in financial and retirement planning. Listen in to see why.... Please Rate and Review The Show HERE:

This was supposed to be ten minutes long and ended up almost 30. It's so frustrating to me that what the crooks and liars did to you in 2008 and 2009 creates a fear of using the safe strategies that lost no money at all during that time. Listen in and hear why what I teach sounds too good to be true and how to prove to yourself that there is a financial promised land and everything I teach is available to you and your family in retirement. Please Rate and Review The Show HERE:

No one is allowed to drive a car until the crash test dummies "stress test" the car and make sure you will have the greatest chance of survival. I'm going to show you how to do the same thing for your portfolio: how to stress test the entire plan as a whole, how to stress test each piece individually and how to stress just your portfolio of stocks bonds and mutual funds to know exactly what you would gain or lose in over 84 possible economic situations. Please Rate and Review The Show HERE:

This episode will show you EXACTLY how to know when you can retire and the common mistake that causes you to never know when you have enough money to retire. This is an important episode for sure so dive in, listen to the end and enjoy. Please Rate and Review The Show HERE:

Tiger Woods is great at golf because of how he USES the clubs not because he has great clubs. Give me his clubs and I will not have the same results as he does. In this episode I'm going to show you how to use a Reverse Mortgage to get your investment accounts making 18% per year as just one example. This is a sweet strategy for those who fit the profile. Enjoy Please Rate and Review The Show HERE:

One of the coolest expressions I've ever heard and it fits perfectly with the financial services and retirement planning industry. In this episode I will reveal the "chocolate" that advisors use to lure you into settling for an inferior retirement plan. I was on a 70 foot boat in Honolulu Hawaii so you may hear some pirate sounds! Please Rate and Review The Show HERE

Indexed Annuities with Guaranteed Lifetime Income Riders are notoriously hard for consumers to understand. It doesn't need to be this way! This episode will help you understand the mystery of the "Income Account Value" and the "Benefit Base" or "Protected Income Value", or whatever your insurance company decides to call it. Please Rate and Review The Show HERE:

Very simply, in this episode, I talk about five things every father could and should do to be the best leader and provider he can be. Happy Father's Day! Please Rate and Review The Show HERE:

How would you like to own a vacation home rather than putting money into boring 401ks and IRAs? What if the financial and emotional benefits can be better doing things a little outside of the box? In this episode I compare investing in qualified plans to owning and enjoying vacation homes! Please Rate and Review The Show HERE:

In this episode, I interviewed Bill Manassero of the Old Dawg's REI Network and Podcast. Bill is in the process of building a 1,000/door real estate empire to create a super-charged, automatic IN-Come account. I love Bill's show, I love what he teaches and after this interview I think he may become one of my closest friends! What a fun guy, we had some laughs. So come laugh at our expense, while you learn to create cash flow in retirement using real estate. Please Rate and Review The Show HERE:

I received my first piece of hate mail and thought I would use it to help you understand exactly why I created this show. There is a trance that most American retirees have been put in and I talk about how to avoid making the costly mistake that this writer just made. Will anyone else besides me like this episode? Time will tell but it sure was fun to make! Please Rate and Review The Show HERE:

Would you like to know how to make 20%-70% on your money? Well you need to completely throw away everything the banks and insurance companies TEACH you to do and DO what they actually do themselves. Arbitrage is the holy grail of investing...listen in to see why. Please Rate and Review The Show HERE:

There is a popular quote "The Devil's in the Details". In this episode, I show you how to find salvation and a bunch of financial angels in the nitty gritty details of how you take policy loans from your life insurance policies. It's literally the difference between never earning interest again and earning interest for life and having money working for you in two places at once! Please Rate and Review The Show HERE: