Retire Right With Brad White

After a decade plus of doing this radio show today will be Brad’s final show. He tells us why and offers his final main lessons.

Well, there’s risk and there’s volatility and we’ve heard a lot about both of those here in the recent days and months. So, what’s the difference between risk and volatility? Brad explains it to us in todays show.

Well once again inflation makes the big headline this past Friday the 28th of March. The core PCE price index showed a .4% increase in February putting the 12-month inflation rate at 2.8% - and both of those were higher than we expected which promptly caused a strong sell off on Friday.

Well, back in 1989, the band Queen opined the song “I Want It All and I Want It Now.” That’s kind of American society; we want it all and we want it now. But what if we had the wish that the market went up 0.032% every day, forevermore? Would we be satisfied? Some would; some would not. Brad is here to lay it all out.

The word fear gets thrown around a lot. Balancing fear of running out of money in retirement, that’s pretty real for a lot of people and it’s not an idea you probably enjoy thinking about, but Brad White is here to talk through balancing that fear of running out of money with the idea of not enjoying your money before you leave this earth.

So many people think that they are diversified because they have some stocks in the stock market, but the question is how many of those stocks are correlated with one another and they do basically the same thing. Brad White helps talk us through this on todays show.

On February 1st, President Donald Trump announced that he was going ahead with 25% tariffs on Mexican and Canadian imports, and a 10% import tax on Chinese goods. We welcome Brad White in today to discuss what tariffs are and what they mean for you.

On this episode of Retire Right With Brad White, Brad White explores the potential impact of a Republican-led Congress and Presidency on those approaching or in retirement. Brad also highlights key areas retirees should focus on, including the effects of taxes and inflation as we enter Trump’s second term.

Well, it’s a new year and time for resolutions. Many of us make them, very few of us ever expect to get through an entire year and live up to it. Let’s talk about it as it relates to the financial side of things with Brad White on today’s show.

Let’s face it, adulting and taking care of all of our finances is hard and no matter how we set things up, things change, and we need to make adjustments. Brad is here today to make it an easy list so you can help do this – because there’s certain things that need to be done by year end and much better to cross them off the list so you can enjoy the holidays and spend all that panic budget of yours on gifts, not financial stuff to remember.

There’s an age-old question, am I on track for retirement? Well, there’s subjective opinions that are out there and Brad White is here to discuss what we’re talking about being truly on-track for retirement

Some folks who have listened to the show have come in and became clients at Epstein & White and they are still a little puzzled about this thing we call, “financial services." What does this industry do for me or how can you help, and we thought heck, lets unpeel the onion right here on today’s show with Brad White.

We know the presidential election has come and past for 2024, along with all the other elections and there will now be a second President Trump administration. With the election results now in our rearview mirror, Brad gives us his thoughts on the election and as we move forward.

The cost-of-living estimate is now out and it’s no longer an estimate. The government has announced that the Social Security COLA (cost of living adjustment) for 2025 is 2.5%. It’s an important number for retirees who are on social security, and they want to know that number and Brad shares his thoughts with us on today’s show.

We all hear about Risk Tolerance…what’s your score or maybe you take a quiz online and it shoots out a number and that’s your risk tolerance. How subjective is that test and how subjective are you in relating to that risk tolerance? Brad breaks it down for us in today's show.

Well, Brad you wrote kind of a headline to the start of the show and it says, are you averse to feels, but already paying them? I would say probably 99.9% would be 100% yes, but lets dive into this with Brad White because I think we’re going to have some fun with this on todays show.

In retirement some people think they might not want to live here anymore, although the tough thing about living in California is you don’t get this weather just anywhere in the country so it’s a hard thing to give up, but if family moves across the country and that’s the pull or maybe you just want to expand your horizons and go find another place in the country to live. There’s a lot to consider and Brad breaks this down for us.

We don’t know how long we’re going to live, which means you don’t know how long you need your money to last. Because we have no idea about this, that makes it very vulnerable, right? Brad offers some helpful tips on how to make your money last in retirement.

When it comes to retirement income planning, the stock market should not be your sole focus. We know people have felt some angst here in the last few weeks because of the stock market, but should the stock market affect our retirement?

You know when you get that new job for the first time and you fill out all the paperwork that HR has you doing? You fill that out and don’t really think about it again. You get another job and you do all the same stuff. Guess what? You’ve got several 401k’s. In this weeks episode Brad gives us some tips on what to do when it comes to those old 401k's.

We all make mistakes, but when it comes to your retirement making mistakes could cost you, not just today but down the road. Brad has a list of common mistakes that people in his industry see over and over that can cost retirees later in life. We go over this list on today's show.

We have hit the halfway point in 2024 and Brad White updates us on the different trends he is seeing and how they compare with years past.

Brad White gives us a real-life example of working with someone who just sells investments goes wrong! Opinions expressed are as of the date of recording and are subject to change. Information contained herein is for informational and illustrative purposes only and general in nature. It should not be considered investment advice or a recommendation to buy or sell any type of securities or insurance products and no investment decision should be made based solely on any information provided herein. All investments carry a risk of loss, including loss of principal amount invested. Different types of investments involve varying degrees of risk. It should not be assumed that diversification or asset allocation protects a portfolio from loss or that such will produce profitable results. Past performance is not a guarantee of future results. Client experiences vary, successful outcomes not guaranteed. Hypothetical examples are for illustrative purposes only. Actual investor results will vary.

We work and we get a paycheck. Yes, that’s somewhat why we work. We have a life dream or a goal, but we also want to put money in the bank account to keep a roof over our head, lights on, gas in car, groceries in the fridge. In retirement, are you prepared to replace that paycheck? That’s what we’re going to explore in today’s show. Opinions expressed are as of the date of recording and are subject to change. Information contained herein is for informational and illustrative purposes only and general in nature. It should not be considered investment advice or a recommendation to buy or sell any type of securities or insurance products and no investment decision should be made based solely on any information provided herein. All investments carry a risk of loss, including loss of principal amount invested. Different types of investments involve varying degrees of risk. It should not be assumed that diversification or asset allocation protects a portfolio from loss or that such will produce profitable results. Past performance is not a guarantee of future results. Client experiences vary, successful outcomes not guaranteed. Hypothetical examples are for illustrative purposes only. Actual investor results will vary.

How come some people are in great shape with 200k and some are in bad shape with 2 million dollars? Well, Brad White is here to explain. Opinions expressed are as of the date of recording and are subject to change. Information contained herein is for informational and illustrative purposes only and general in nature. It should not be considered investment advice or a recommendation to buy or sell any type of securities or insurance products and no investment decision should be made based solely on any information provided herein. All investments carry a risk of loss, including loss of principal amount invested. Different types of investments involve varying degrees of risk. It should not be assumed that diversification or asset allocation protects a portfolio from loss or that such will produce profitable results. Past performance is not a guarantee of future results. Client experiences vary, successful outcomes not guaranteed. Hypothetical examples are for illustrative purposes only. Actual investor results will vary.

Brad White breaks down the biggest industry red flags in today's show. Opinions expressed are as of the date of recording and are subject to change. Information contained herein is for informational and illustrative purposes only and general in nature. It should not be considered investment advice or a recommendation to buy or sell any type of securities or insurance products and no investment decision should be made based solely on any information provided herein. All investments carry a risk of loss, including loss of principal amount invested. Different types of investments involve varying degrees of risk. It should not be assumed that diversification or asset allocation protects a portfolio from loss or that such will produce profitable results. Past performance is not a guarantee of future results. Client experiences vary, successful outcomes not guaranteed. Hypothetical examples are for illustrative purposes only. Actual investor results will vary.

Fed Chairman, Jerome Powell he said before the start of this year that we could see three rate droppings of the interest rate, but things haven’t worked out like they’ve planned. In fact, they may have to back things up a bit, because inflation isn’t under control. So, did the hikes we did over that period of 18 or 20 months spark the US economic boom that we’re having right now? Opinions expressed are as of the date of recording and are subject to change. Information contained herein is for informational and illustrative purposes only and general in nature. It should not be considered investment advice or a recommendation to buy or sell any type of securities or insurance products and no investment decision should be made based solely on any information provided herein. All investments carry a risk of loss, including loss of principal amount invested. Different types of investments involve varying degrees of risk. It should not be assumed that diversification or asset allocation protects a portfolio from loss or that such will produce profitable results. Past performance is not a guarantee of future results. Client experiences vary, successful outcomes not guaranteed. Hypothetical examples are for illustrative purposes only. Actual investor results will vary.

If you’re nearing retirement and you’re thinking of going somewhere else for retirement than California, the question is, what does it look like to do that? Brad White breaks the numbers down for us.

How much money in retirement can I generate? That’s always a good question, but let’s say you have a million dollars. When Brad is painting this scenario to someone sitting across from him, how much income can we generate from a million dollars? That’s the Million Dollar Question that we ask Brad on today's show.

Over half of investors surveyed by Investopedia say they’re worried about the 2024 U.S. Presidential election affecting their portfolios. Should we be?

A lot of people hear stock prices, Dow Jones industrial average, S&P 500…they hear all these things, but do you really know them? Brad takes a deep dive with us today after a recent historic mark for the S&P 500.

For the better part of a decade from 2011 to 2020, we weren’t worried about this thing called inflation. But since the end of 2021 moving forward, inflation has been a part of our lives and we’ve noticed it at the grocery store and different things that we do in life and in times like these, well you need to probably step back and take an overview and that’s what Brad wants to do with us on today's show.

Understanding what someone is selling in the investment world is key and then the question is, should you buy? The two main questions when it comes to retirement is, have I saved enough money? And is this money going to last, but understanding what you have and what you want to accomplish and where you want to go, there’s a lot of questions that they need to answer so that you can give them some realistic expectation of if they’ve saved enough and is it going to get them through the rest of their life?

On January 11th, 2024, the SEC approved Spot Bitcoin ETF’s. Maybe one of the first questions is “why” or at least “why now?” Brad fills us in with all the details.

We start a new year and resolutions are always on people’s docket. Brad gives us some tips on how to be financially ready for the new year.

Understanding what someone is selling in the investment world is key & then the question is, should you buy? The two main questions when it comes to retirement are, have I saved enough money? And is this money going to last? Understanding what you have, what you want to accomplish & where you want to go, there's a lot of questions that they need to answer so that you can give them realistic expectations of if they've saved enough & is it going to get them through.

On January 11th, 2024 the SEC approved Spot Bitcoin ETF’s. Maybe one of the first questions is “why” or at least “why now?” Brad fills us in with all the details.

We start a new year and resolutions are always on people’s docket. Brad gives us some tips on how to be financially ready for the new year.

We can often hear stories and the story can sound similar on two perspectives yet there are two different outcomes that come from that story. That can also happen when it comes to retirement income planning and it happens all the time because we’re all different. We all have our own scenarios, we all have how much money we’ve come to the finish line with and the question is, do I have enough and is it going to last?

We talk about taxes quite a bit on the show because they’re pretty important, especially when it comes to retirement, and Brad posed the question, “are you paying other peoples taxes with your mutual funds?” Brad explains through this for us on todays show.

The 2023 federal budget defect surged this year by 23%. In dollars and cents that’s 1.7 trillion dollars! Our debt is now over 33 trillion and continuing to grow. What are we going to do to address this? Brad unveils it to us.

We come across articles all the time and there’s an article in Financial Planning Magazine and people always want to know how in the world do people get paid especially when it’s related to “I’m going to give you my money to help manage it. I understand that I owe you something for that, but what is too much, how do you get paid all those kinds of things” and we talk through this article with Brad on todays show.

Knowing yourself, you need to know who you are and what do you need, and if you’re married what your spouse needs. This is something we need to know heading into retirement. What do we need? What do we want to do and where do we want to go. We spend a lot of time in our work life saying, “I’ll do that in retirement.” Well, you get to retirement and are you going to do that? Is it something you need? Is it a want or a desire? Brad helps us spell all of those out.

For the better part of a decade from 2011 to 2020, we weren’t worried about this thing called inflation. But since the end of 2021 moving forward, inflation has been a part of our lives and we’ve noticed it at the grocery store and different things that we do in life and in times like these, well you need to probably step back and take an overview and that’s what Brad wants to do with us on todays show.

Knowing yourself, you need to know who you are and what do you need, and if you’re married what your spouse needs. This is something we need to know heading into retirement. What do we need? What do we want to do and where do we want to go. We spend a lot of time in our work life saying, “I’ll do that in retirement.” Well, you get to retirement and are you going to do that? Is it something you need? Is it a want or a desire? Brad helps us spell all of those out.

Knowing yourself, you need to know who you are and what do you need, and if you’re married what your spouse needs. This is something we need to know heading into retirement. What do we need? What do we want to do and where do we want to go. We spend a lot of time in our work life saying, “I’ll do that in retirement.” Well, you get to retirement and are you going to do that? Is it something you need? Is it a want or a desire? Brad helps us spell all of those out.

There was a recent survey with a headline that read, “70% of Millionaires Work With Advisors,” and that’s according to Northwestern Mutual. They surveyed over 2,700 adults that have one million or more in assets and 70% said they’re working with a financial planner. Brad details some things to watch out for when working with a financial advisor.