Stay Wealthy Retirement Podcast

Bonds are down 20%+ over the past three years. Meanwhile, riskier asset classes (like U.S. stocks) are UP ~30% during the same period. ‣ What the %@#! is happening to bonds right now? ‣ Why are safe asset classes down double digits while risky asset classes scream upward? ‣ Should retirement investors consider changes? ‣ Are money market funds and CDs a better solution than bond funds? ‣ And what might all of this mean for the future of bond investing? I'm answering these questions (and more!) in this 2-part series on bonds. --- WANT MORE RETIREMENT PLANNING TIPS? Join 5,000+ listeners and subscribe to the Stay Wealthy Retirement Newsletter. As a thank you, you'll receive a copy of my 2023 Tax Planning Cheatsheet. 👉 Click here to subscribe and grab your cheatsheet. --- EPISODE RESOURCES: 📊 Get Your Free Retirement + Tax Analysis ✏️ Grab the Episode Show Notes 📘 Read My New Book: More Than Money

Today I'm sharing nine fun facts about the economy, markets, and retirement. Along with being entertaining, these facts bring important planning topics to the surface. They also help to address and answer common questions. For example: ‣ How correlated is the economy to the stock market? ‣ What are the actual odds of a catastrophic long-term care event? ‣ Should average life expectancy assumptions be used in retirement projections? If you're ready to have some fun learning about the history of the markets and little-known facts about investing, this episode is for you. --- WANT MORE RETIREMENT PLANNING TIPS? Join thousands of listeners and subscribe to the Stay Wealthy Retirement Newsletter. As a thank you, you'll receive a copy of my 2023 Tax Planning Cheatsheet. 👉 Click here to subscribe and grab your cheatsheet. --- EPISODE RESOURCES: 📊 Get Your Free Retirement + Tax Analysis ✏️ Grab the Episode Show Notes 📘 Read My New Book: More Than Money

Everyone should freeze their credit. But most retirement savers I talk to have not tackled this simple (and free!) task. After commenting briefly about credit freezes in an episode last month, I've received dozens of GREAT questions from listeners. Questions like... ‣ Should minor children freeze their credit even if they don't have a credit score? ‣ After freezing with the "big three" (Equifax, Transunion, Experian), what other agencies should I freeze my credit with? ‣ How will freezing my credit affect my credit score? ...and more! Tune in to get answers to these questions and learn more about this critical financial planning task that continues to be overlooked. --- WANT MORE RETIREMENT PLANNING TIPS? Join thousands of listeners and subscribe to the Stay Wealthy Retirement Newsletter. As a thank you, you'll receive a copy of my 2023 Tax Planning Cheatsheet. 👉 Click here to subscribe and grab your cheatsheet. --- EPISODE RESOURCES: 📖 How to Freeze Your Credit (Step-by-Step) 📊 Get Your Free Retirement + Tax Analysis ✏️ Grab the Episode Show Notes 📘 Check Out My New Book: More Than Money

Last June, inflation hit a 40-year high of 9.1%. Since then, it's been falling month over month, hitting 3.2% in July of this year. The Fed's aggressive rate hikes seemed to be doing their job, and their 2% inflation target appeared to be in sight. But then, the August CPI report came out a few weeks ago... ...and we saw inflation spike, jumping up to 3.7%. What happened? Where does inflation go from here? And should we be worried about this recent uptick? --- WANT MORE RETIREMENT PLANNING TIPS? Join thousands of listeners and subscribe to the Stay Wealthy Retirement Newsletter. As a thank you, you'll receive a copy of my 2023 Tax Planning Cheatsheet. 👉 Click here to subscribe and grab your cheatsheet. --- EPISODE RESOURCES: 📊 Get Your Free Retirement and Tax Analysis ✏️ Grab the Episode Show Notes 📘 Check Out My New Book: More Than Money

Year after year, investors underperform the funds they invest in by almost 2%. 🤯 Not because of fees or taxes...but because of poorly-timed investing decisions. In today's episode, I'm sharing the results of this year's "Mind the Gap" study from Morningstar. I'm also sharing: ‣ The asset classes with the highest and lowest behavior gap over the last 10 years ‣ The relationship between volatility and investing returns ‣ Three things retirement investors can do to earn more of the returns generated by their investments --- WANT MORE RETIREMENT PLANNING TIPS? Join thousands of listeners and subscribe to the Stay Wealthy Retirement Newsletter. As a thank you, you'll receive a copy of my 2023 Tax Planning Cheatsheet. 👉 Click here to subscribe and grab your cheatsheet. --- EPISODE RESOURCES: 📊 Get Your Free Retirement and Tax Analysis ✏️ Grab the Episode Show Notes 📘 Check Out My New Book: More Than Money

Consumers reported losing nearly $9 billion to fraud in 2022 — a 30% increase from the year prior. And those are just the incidents that are reported. In fact, some reports suggest that the ACTUAL amount is closer to $40 billion! One thing every report seems to agree on is that scams are becoming more prevalent and more sophisticated. So to help protect retirement investors from becoming victims, today I'm sharing the three financial scams to watch out for. I'm also sharing how you can protect yourself (and your loved ones) from each scam. --- WANT MORE RETIREMENT PLANNING TIPS? Join thousands of listeners and subscribe to the Stay Wealthy Retirement Newsletter. As a thank you, you'll receive a copy of my 2023 Tax Planning Cheatsheet. 👉 Click here to subscribe and grab your cheatsheet. --- EPISODE RESOURCES: 📊 Get Your Free Retirement and Tax Analysis ✏️ Grab the Episode Show Notes 📘 Check Out My New Book: More Than Money

In this episode, we're answering listener questions! Specifically, guest host Jeremy Schneider is answering questions like: What are the best index funds to invest in How do you access retirement money early What are the little-known pitfalls of early retirement Jeremy also shares important tips on transferring money from old investment accounts. If you want to get answers to these great questions (and hear from a surprise guest who snuck their way in!), this episode is for you. --- WANT MORE RETIREMENT PLANNING TIPS? Join thousands of listeners and subscribe to the Stay Wealthy Retirement Newsletter. As a thank you, you'll receive a copy of my 2023 Tax Planning Cheatsheet. 👉 Click here to subscribe and grab your cheatsheet. --- EPISODE RESOURCES: 👉 Follow Jeremy Schneider on Instagram ✏️ Grab the Episode Show Notes 📘 Check Out My New Book: More Than Money 📊 Get Your Free Retirement and Tax Analysis

Almost every day, I (guest host Jeremy Schneider) hear someone mention their credit score. After being in school our entire young lives, we must all crave for someone to give us another grade. And when the ol' FICO corporation is slapping a big number on all of us... ...we excitedly spend every waking moment trying to improve (or maintain) it. But here's the problem: Focusing on your credit score is a TERRIBLE way to win with money. You're putting your energy towards precisely the wrong thing. In today's episode, I'm sharing why you shouldn't care about your credit score + what you should be focusing on instead! WANT MORE RETIREMENT PLANNING TIPS? Join thousands of listeners around the country and subscribe to the Stay Wealthy Retirement Newsletter. As a thank you, you'll receive a copy of my 2023 Tax Planning Cheatsheet. 👉 Click here to subscribe and grab your cheatsheet. *** EPISODE RESOURCES: 👉 Follow Jeremy Schneider on Instagram ✏️ Grab the Episode Show Notes 📘 Check Out My New Book: More Than Money 📊 Get Your Free Retirement and Tax Analysis

Today we're talking about the Backdoor Roth IRA. Specifically, guest host Jeremy Schneider is sharing: What the Backdoor Roth IRA strategy is Why you should (or shouldn't) pursue it How to execute it the right way If you're interested in learning more about this unique strategy for getting more money into a Roth IRA, this episode is for you. *** WANT MORE RETIREMENT PLANNING TIPS? Join thousands of listeners and subscribe to the Stay Wealthy Retirement Newsletter. As a thank you, you'll receive a copy of my 2023 Tax Planning Cheatsheet. 👉 Click here to subscribe and grab your cheatsheet. *** EPISODE RESOURCES: 👉 Follow Jeremy Schneider on Instagram ✏️ Grab the Episode Show Notes 📘 Check Out My New Book: More Than Money 📊 Get Your Free Retirement and Tax Analysis

If YOU were to unexpectedly die tomorrow, would your loved ones know how to access your information? Your bank accounts? Insurance policies? Debts? Access to your home and car? Your devices? Approximately 2/3 of Americans don't have any estate planning documents! To help you avoid leaving a financial mess behind, guest host Jeremy Schneider is sharing how he's PERSONALLY prepared his family for an untimely death. Specifically, he's sharing: ➡ What information and documents he has gathered ➡ Where and how he (securely) stores it ➡ His process for keeping everything updated If you need actionable ideas (and motivation!) to tackle this critical planning task, today's episode is for you. WANT MORE RETIREMENT PLANNING TIPS? Join thousands of listeners and subscribe to the Stay Wealthy Retirement Newsletter. As a thank you, you'll receive a copy of my 2023 Tax Planning Cheatsheet. 👉 Click here to subscribe and grab your cheatsheet. *** EPISODE RESOURCES: 👉 Follow Jeremy Schneider on Instagram ✏️ Grab the Episode Show Notes 📘 Check Out My New Book: More Than Money 📊 Get Your Free Retirement and Tax Analysis

Today I'm discussing a new retirement withdrawal strategy. The strategy is simple + allows retirees to (safely) spend more money than the 4% rule. It also protects against one of the biggest threats to retirement—Sequence Risk! If you want to avoid leaving behind a mattress full of money and learn about a simpler approach to boosting retirement income, you'll enjoy today's episode. WANT MORE RETIREMENT PLANNING TIPS? Join thousands of listeners and subscribe to the Stay Wealthy Retirement Newsletter. As a thank you, you'll receive a copy of my 2023 Tax Planning Cheatsheet. 👉 Click here to subscribe and grab your cheatsheet. *** EPISODE RESOURCES: 📘 Check Out My New Book: More Than Money ✏️ Grab the Episode Show Notes 📊 Get Your Free Retirement and Tax Analysis

What separates a good investment from a bad one? How do you evaluate different investment options? Why are some very well-known metrics flawed and problematic? I'm answering these questions + sharing a personal story that caused me to change my approach when giving opinions about different asset classes. WANT MORE RETIREMENT PLANNING TIPS? Join thousands of listeners and subscribe to the Stay Wealthy Retirement Newsletter. As a thank you, you'll receive a copy of my 2023 Tax Planning Cheatsheet. 👉 Click here to subscribe and grab your cheatsheet. *** EPISODE RESOURCES: 📘 Check Out My New Book: More Than Money ✏️ Grab the Episode Show Notes 📊 Get Your Free Retirement and Tax Analysis

Last year, I published an episode titled, 5 Reasons Not to Do a Roth Conversion. The 5 reasons shared were: 1️⃣ - Shadow taxes 2️⃣ - No undo button 3️⃣ - Lack of cash flow to pay the tax bill 4️⃣ - You just don't want to :) 5️⃣ - Future charitable giving goals Today I'm sharing three (more) reasons not to convert + why it might be ok to leave money in your pre-tax IRA. Roth conversions can be a wildly beneficial tax planning move for the right person... ...but they aren't a "no-brainer" for everyone. If you want to learn more about situations when converting money to a Roth IRA does NOT make sense, today's episode is for you. WANT MORE RETIREMENT PLANNING TIPS? Join thousands of listeners and subscribe to the Stay Wealthy Retirement Newsletter. As a thank you, you'll receive a copy of my 2023 Tax Planning Cheatsheet. 👉 Click here to subscribe and grab your cheatsheet. *** EPISODE RESOURCES: 📘 Check Out My New Book: More Than Money ✏️ Grab the Episode Show Notes 📊 Get Your Free Retirement and Tax Analysis

"Cash is king." But is it a great investment? Historically, investors have built up dry powder to fund emergencies or survive market downturns. But with cash now yielding close to 5%... ...many investors are viewing cash as a way to make money. Today I'm sharing why cash — even at today's rates — is a bad investment. I'm also sharing how much cash a retirement investor should consider holding. WANT MORE RETIREMENT PLANNING TIPS? Join thousands of listeners and subscribe to the Stay Wealthy Retirement Newsletter. As a thank you, you'll receive a copy of my 2023 Tax Planning Cheatsheet. 👉 Click here to subscribe and grab your cheatsheet. *** EPISODE RESOURCES: 📘 Check Out My New Book: More Than Money ✏️ Grab the Episode Show Notes 📊 Get Your Free Retirement and Tax Analysis

For the last 53 years, U.S. stocks have significantly outperformed international stocks. (It's not even close.) As a result, many retirement investors are left wondering if they should own this asset class. Today I'm sharing why owning international stocks over the last 5 decades -- despite the disappointing track record -- was actually a smart decision. I'm also sharing why owning international stocks for the next 50 years and beyond is likely a wise decision, too. WANT MORE RETIREMENT PLANNING TIPS? Join thousands of listeners and subscribe to the Stay Wealthy Retirement Newsletter. As a thank you, you'll receive a copy of my 2023 Tax Planning Cheatsheet. 👉 Click here to subscribe and grab your cheatsheet. *** EPISODE RESOURCES: 📘 Check Out My New Book: More Than Money ✏️ Grab the Episode Show Notes 📊 Get Your Free Retirement and Tax Analysis

Today I'm joined by Phil Huber, Chief Investment Officer at Savant Wealth Management. Phil joins me to take the other side of the alternative investment debate and shares three big insights: 1.) What exactly defines an "alternative investment" 2.) Why traditional stock/bond portfolios will be challenged in the years ahead 3.) How alternatives can help to reduce risk and improve investment returns He also addresses common misconceptions about this complex asset class. If you're looking to expand your investment knowledge and learn how alternatives might enhance your retirement portfolio, this episode is for you. WANT MORE RETIREMENT PLANNING TIPS? Join thousands of listeners and subscribe to the Stay Wealthy Retirement Newsletter. As a thank you, you'll receive a copy of my 2023 Tax Planning Cheatsheet. 👉 Click here to subscribe and grab your cheatsheet. *** EPISODE RESOURCES: 📘 Check Out My New Book: More Than Money ✏️ Grab the Episode Show Notes 📊 Get Your Free Retirement and Tax Analysis

Today I'm talking about the bond market. Specifically, what it's currently telling us about where the economy might be headed. In fact, we've never seen bond yields sound the recession alarm this loudly. 🚨 But, how reliable is the bond market? What does this "recession warning" mean for retirement savers? And how might the current environment impact investment decisions? I'm answering these questions (and more) in this episode! WANT MORE RETIREMENT PLANNING TIPS? Join thousands of listeners and subscribe to the Stay Wealthy Retirement Newsletter. As a thank you, you'll receive a copy of my 2023 Tax Planning Cheatsheet. 👉 Click here to subscribe and grab your cheatsheet. *** EPISODE RESOURCES: 📘 Check Out the More Than Money Book ✏️ Grab the Episode Show Notes 📊 Get Your Free Retirement and Tax Analysis

Today we're talking about expectations vs reality. To help, I'm joined by Rubin Miller, founder and CIO of Peltoma Capital. Rubin and I talk about three BIG things: Why chess players don't make great investors How retirement savers should think about their current and future investment returns What investment assumptions should be used when running retirement planning projections We also talk about "risk-free" investments, the hidden dangers of an investor's time horizon, and growth vs value stocks. If you want to learn how to be a successful investor + how we can use evidence to make informed retirement planning decisions, today's episode is for you. WANT MORE RETIREMENT PLANNING TIPS? Join thousands of listeners and subscribe to the Stay Wealthy Retirement Newsletter. As a thank you, you'll receive a copy of my 2023 Tax Planning Cheatsheet. 👉 Click here to subscribe and grab your cheatsheet. *** EPISODE RESOURCES: 📘 Grab Your Copy of the More Than Money Book ✏️ Grab the Episode Show Notes 📊 Get Your Free Retirement and Tax Analysis

Today I'm talking about the current banking crisis. Why? Silicon Valley Bank and Signature Bank were the 2nd and 3rd largest bank failures in history. In addition to explaining how we got here + why these banks collapsed... ...I'm answering three (3) important questions that retirement investors are asking. If you're ready to understand what this banking debacle means and what to do in response, today's episode is for you! WANT MORE RETIREMENT PLANNING TIPS? Join 2,000+ retirement savers and subscribe to the Stay Wealthy Retirement Newsletter. As a thank you, you'll receive a copy of my 2023 Tax Planning Cheatsheet. 👉 Click here to subscribe and grab your cheatsheet. *** EPISODE RESOURCES: ✏️ Grab the Episode Show Notes 📊 Get Your Free Retirement and Tax Analysis 📘 More Than Money is Available Everywhere!

*** More Than Money is officially out! Click here to grab your copy now. *** (All net proceeds being donated to non-profit organizations dedicated to improving financial literacy and diversity in the profession.) --- Today I'm sharing my recent conversation with Joe Saul-Sehy from Stacking Benjamins. Together, Joe and I break down two real-life case studies from my (just released!) book, More Than Money. We cover: Why the "making work optional" exercise is so empowering How to have constructive money conversations How a widow overcame the newfound challenge of managing the finances We also talk about retirement planning misconceptions, how my wife and I track our expenses (😲), and more! WANT MORE RETIREMENT PLANNING TIPS? Join thousands of listeners and subscribe to the Stay Wealthy Retirement Newsletter. As a thank you, you'll receive a copy of my 2023 Tax Planning Cheatsheet. 👉 Click here to subscribe and grab your cheatsheet. *** EPISODE RESOURCES: 📘 Grab Your Copy of the More Than Money Book ✏️ Grab the Episode Show Notes 📊 Get Your Free Retirement and Tax Analysis

Today I'm discussing risk. Specifically, a type of risk known as "tail risk." As Morgan Housel puts it, it's the hardest for people to understand... ...and it's the only one that really matters. If you want to learn what tail risk is, why it's important, and how to mitigate it, today's episode is for you. WANT MORE RETIREMENT PLANNING TIPS? Join thousands of listeners and subscribe to the Stay Wealthy Retirement Newsletter. As a thank you, you'll receive a copy of my 2023 Tax Planning Cheatsheet. 👉 Click here to subscribe and grab your cheatsheet. *** EPISODE RESOURCES: ✏️ Grab the Episode Show Notes 📊 Get Your Free Retirement and Tax Analysis 📘 Pre-Order the More Than Money Book

Today I'm talking about alternative investments. An "alternative" is an asset that doesn't fall into one of the three traditional investment categories (stocks, bonds, and cash). For example, private equity, venture capital, and managed futures. These complex strategies often claim to reduce risk + deliver "uncorrelated" returns. But do they live up to the hype? Do they provide compelling risk-adjusted returns? Should retirement savers include alternative investments in their portfolio? I'm answering those questions (and more) in this episode. WANT MORE RETIREMENT PLANNING TIPS? Join thousands of listeners and subscribe to the Stay Wealthy Retirement Newsletter. As a thank you, you'll receive a copy of my 2023 Tax Planning Cheatsheet. 👉 Click here to subscribe and grab your cheatsheet. *** EPISODE RESOURCES: ✏️ Grab the Episode Show Notes 📊 Get Your Free Retirement and Tax Analysis 📘 Pre-Order the More Than Money Book

Today I'm addressing the January inflation report. In fact, contrary to expectations, inflation increased last month. Specifically, the Consumer Price Index (CPI) jumped 0.5% after increasing by only 0.1% in December. Why are prices increasing again? Was the report positive or negative? What does this mean for the long-term inflation trend? I'm answering these questions + we have a special guest that drops by to share his thoughts. WANT MORE RETIREMENT PLANNING TIPS? Join thousands of listeners and subscribe to the Stay Wealthy Retirement Newsletter. As a thank you, you'll receive a copy of my 2023 Tax Planning Cheatsheet. 👉 Click here to subscribe and grab your cheatsheet. *** EPISODE RESOURCES: ✏️ Grab the Episode Show Notes 📊 Get Your Free Retirement and Tax Analysis 📘 Pre-Order the More Than Money Book

Today I'm talking about investing and planning for retirement during uncertain times. In fact, I was recently invited to discuss this topic with Caleb Silver, Editor-in-Chief at Investopedia. Caleb hosts the Investopedia Express Podcast and has had conversations with everyone from Ray Dalio & Liz-Ann Sonders to Eli Manning & David Rubenstein. Needless to say, it was an honor to be on his show and share: How to build a plan for your cash and why it's so important What mistakes investors should watch out for in today's choppy markets How to create a tax-efficient withdrawal strategy in retirement I also shared my "hottest" 2023 investing take, my favorite financial term, and what the future of financial planning looks like. WANT MORE RETIREMENT PLANNING TIPS? Join thousands of listeners and subscribe to the Stay Wealthy Retirement Newsletter. As a thank you, you'll receive a copy of my 2023 Tax Planning Cheatsheet. 👉 Click here to subscribe and grab your cheatsheet. *** EPISODE RESOURCES: ✏️ Grab the Episode Show Notes 📊 Get Your Free Retirement and Tax Analysis 📘 Pre-Order the More Than Money Book

Today I'm wrapping up our series on Financial Advisors by answering five common questions. Questions such as: How important are professional designations like CFP or CFA? What is the process for firing a financial advisor? Will I incur fees and taxes when transferring investment accounts to another financial institution? I'm also sharing more about financial coaches + what to do if you are a victim of bad financial advice. NEED TAX & RETIREMENT PLANNING HELP? Click to Learn more about our FREE Retirement & Tax Analysis. We help people aged 50+ lower taxes, invest smarter, and (safely) create a retirement paycheck. Our Free Retirement Assessment™ will answer your BIG questions and help you properly evaluate our firm. 👉 Learn more here! *** Episode Resources: 📬 Join the Stay Wealthy E-Newsletter ✏️ Grab the Episode Show Notes 📘 Pre-Order the More Than Money Book

Today I'm tackling part four of our series on financial advisors. Specifically, I'm covering three BIG things: What is a fiduciary financial advisor (and should investors work with one) How are 'fee-only' advisors different from 'fee-based' Where can retirement savers search for a financial advisor based on their needs If you want to understand some of the most misunderstood financial terms + learn how to find a qualified advisor, today's episode is for you. NEED TAX + RETIREMENT PLANNING HELP? Click to Learn more about our FREE Retirement & Tax Analysis We specialize in helping people aged 50+ lower taxes, invest smarter, and (safely) create a retirement paycheck. Our Free Retirement Assessment™ will help you evaluate our firm and others you might be considering. 👉 Learn more here! *** Episode Resources: 📬 Join the Stay Wealthy E-Newsletter ✏️ Grab the Episode Show Notes 📘 Pre-Order the More Than Money Book

Today I'm sharing the different ways financial advisors charge for their services. In fact, there are FOUR main fee structures you might come across when interviewing advisors... ...and each one can be a disservice to someone. In this episode, I'm covering three important things: What are the four fee structures and their pros & cons Who is (and isn't) a good fit for each service model How much do financial advisors typically charge for their services I'm also sharing how retirement savers might think about measuring the value of financial advice. If you're ready for a deep dive into financial advisor fees, you're going to enjoy today's episode. *** WANT MORE RETIREMENT & TAX PLANNING CONTENT? Join thousands of other listeners and subscribe to the Stay Wealthy e-newsletter! EPISODE RESOURCES: ✏️ Grab the Episode Show Notes 📘 Pre-Order the More Than Money Book 📊 Get Your FREE Retirement & Tax Analysis

Want to support my upcoming book and help improve financial literacy? To encourage your support, I'm running a "buy one, give one" campaign. Here's how it works: Pre-order a copy of More Than Money (Kindle or physical copy) before Dec 31. Email a screenshot of your order to [email protected]. I will personally match your order and send you a second copy to gift to someone in your life. All net proceeds from the book are being donated to non-profit organizations dedicated to improving financial literacy and access to advice. Pre-order your copy of More Than Money! *** Today I'm tackling part two of our series on Financial Advisors. Specifically, I'm breaking down the 5 different types of advisors (and who might be a good fit for each type). I'm also sharing some thoughts on paying for financial advice and measuring the value you receive. If you're ready to continue learning about the world of financial advisors + how to make sense of the different types you can work with, today's episode is for you. Want more retirement content? Join thousands of other listeners and subscribe to the Stay Wealthy e-newsletter! *** ✏️ Grab the Episode Show Notes 📘 Pre-Order the More Than Money Book 📊 Get Your FREE Retirement & Tax Analysis

Today I'm kicking off a multi-part series on Financial Advisors. (I'm also sharing a BIG announcement with everyone! 🥳) Here in Part 1, I'm covering three things: What is a financial advisor Why the job title is meaningless What financial advisors do (and don't do) It doesn't matter if you manage your own finances, happily work with a financial advisor, or work with 15 advisors... ..if you want to gain a better understanding of this important (yet confusing!) profession, this series is for you. Want more retirement content? Join thousands of other listeners and subscribe to the Stay Wealthy e-newsletter! *** ✏️ Grab the Episode Show Notes 📘 Pre-Order the More Than Money Book 📊 Get Your FREE Retirement & Tax Analysis

Bonds are on track for their worst year in history. In response, retirement investors are concerned (rightfully so) and questioning their bond allocation. To help address those concerns, I'm covering three things today: Why bond yields are NOT moving in lockstep with interest rates set by the Fed How long it takes for bond losses to recover Why retirement savers should maintain exposure to bonds for the long run I'm also sharing the pros & cons of laddering bank CDs as a bond fund alternative. Want more retirement content? Join thousands of other listeners and subscribe to the Stay Wealthy e-newsletter! *** ✏️ Grab the Episode Show Notes 📊 Get Your FREE Retirement & Tax Analysis

Today I'm talking about state taxes (in retirement!). Specifically, I'm sharing three important facts that often fly under the radar. I'm also clearing up common misconceptions and sharing real-life examples. If you're ready to learn how state income taxes will impact your bottom line in retirement, this episode is for you. Want more retirement content? Subscribe to the Stay Wealthy e-newsletter! *** ✏️ Grab the Episode Show Notes 📊 Get Your FREE Retirement & Tax Analysis

Today I'm sharing three retirement and tax planning updates for 2023. Specifically, I'm sharing a summary of important changes to: Social Security payments Social Security taxation Medicare Part B premiums I'm also sharing key highlights from the highly anticipated Secure Act 2.0 bill + when we might expect it to (finally) pass. If you're wrapping up your year-end planning and starting to think about 2023 and beyond, this episode is for you. Want more retirement content? Subscribe to the Stay Wealthy e-newsletter! *** ✏️ Grab the Episode Show Notes 📊 Get Your FREE Retirement & Tax Analysis

Recent headlines suggest stocks could be flat (or negative!) for the next 10 years. The technical for this is "lost decade." And these headlines have created more concern for investors who are already on edge. So, what exactly does a lost decade mean for retirement savers? How likely is it that we are going to experience one? If we do, how should investors approach their asset allocation? Those are the questions I'm answering in today's episode! Want more retirement content? Subscribe to the Stay Wealthy e-newsletter! *** ✏️ Grab the Episode Show Notes 📊 Get Your FREE Retirement & Tax Analysis

Today I'm breaking down the current state of the markets and economy. Specifically, I'm sharing: Why markets are falling (and how we got here) How things could get worse before they get better Four (4) reasons for investors to be optimistic right now If you're feeling worried or concerned and want to learn more about the current downturn, this episode is for you. *** ✏️ Grab the Episode Show Notes 📬 Subscribe to the Stay Wealthy Newsletter! 📊 Get Your FREE Retirement & Tax Analysis

The current yield on a one-year U.S.Treasury bond is 4%. But the yield on a ten-year Treasury bond is only…3.5%. Why is this? What does it mean for retirement savers? And how should investors respond? That's what I'm tackling today on the show! *** ✏️ Grab the Episode Show Notes 📬 Subscribe to the Stay Wealthy Newsletter! 📊 Get Your FREE Retirement & Tax Analysis

Have you joined the Stay Wealthy newsletter? No spam. No fluff. Just one retirement/tax planning article each week...written by yours truly. 😊 Sign up for free here. *** In today's episode, I'm wrapping up our tax-loss harvesting series. Specifically, I'm answering three BIG questions: What if I don't have any capital gains to offset? How to maximize the benefits of tax loss harvesting? How do I navigate multiple tax lots properly + avoid making a costly mistake? What is direct indexing and why is tax-loss harvesting always advertised as a benefit? If you're a new listener, hit the pause button on today's episode and go listen to part 1 of this series first. *** ✏️ Grab the Episode Show Notes 📬 Subscribe to the Stay Wealthy Newsletter! 📊 Get Your FREE Retirement & Tax Analysis

Today I'm continuing with our series on tax-loss harvesting. Here in part 2, I'm sharing: Who should consider tax-loss harvesting Who should stay away from it The (top) 3 things that can boost your tax savings I'm also presenting situations where tax loss harvesting can backfire, and do more harm than good. 😬 If you're a retirement saver ready to learn how this tax strategy can be maximized, you're going to love today's episode. *** ✏️ Grab the Episode Show Notes 📬 Subscribe to the Stay Wealthy Newsletter! 📊 Get Your FREE Retirement & Tax Analysis

Today I'm kicking off a multi-part series on tax-loss harvesting. In part one, I'm breaking down: What tax-loss harvesting is (and how it works) Why it has become a popular tax strategy 5 little-known things about the wash sale rule If you're a retirement saver ready to learn all about tax-loss harvesting, you're going to love this episode...and this series. *** 📬 Subscribe to the Newsletter 📊 Get Your FREE Retirement & Tax Analysis ✏️ Grab the episode show notes

Today I'm tackling a few retirement and investing questions from our listeners. Specifically, I'm answering the following: How do you make sense of the two conflicting July inflation reports (0% inflation vs 8.5%)? What are Buffer ETFs and are they a good investment for retirement accounts? What will the 2023 Social Security COLA be and why are news outlets quoting different numbers? If you're ready to get answers to some of the top retirement questions I've received lately, this episode is for you. *** 📊 Get Your FREE Retirement & Tax Analysis ✏️ Grab the episode show notes 📬 Subscribe to the Newsletter

Today I'm talking about the case for (and risk of!) deflation. Specifically, I'm covering: What deflation is How deflation impacts our economy Why it's a risk we should be considering If you're ready to learn about the often-overlooked risk of deflation, you're going to enjoy this episode. *** 📊 Get Your FREE Retirement & Tax Analysis ✏️ Grab the episode show notes 📬 Subscribe to the Newsletter

Today, Jeremy Schneider unveils his Ultimate Investing Checklist. In fact, you can use this 7-step checklist to measure your current investing strategy. You can also use it to: Optimize your tax bill Maximize your risk-adjusted returns Eliminate costly mistakes If you want to learn how to cut through the nonsense + optimize your investment portfolio, this episode is for you. ----- Over age 50? Need retirement + tax planning help? 👉 Get Started With a Free Retirement Assessment To grab the links mentioned in today's episode, visit the show notes page.

Today we're talking about the best way to invest for kids + grandkids. In fact, guest host Jeremy Schneider says this is one of the most frequent topics he gets asked about! So, to help our listeners, he explores three BIG things: How to decide if you should invest for your kids...at all The top four (4) investing strategies to use How to optimize for taxes and growth If you have kids (or grandkids!) and want to know the best ways to invest for their future, this episode is for you. ----- Over age 50? Need retirement + tax planning help? 👉 Get Started With a Free Retirement Assessment To grab the links mentioned in today's episode, visit the show notes page.

Today we're talking about I Bonds! Specifically, guest host Jeremy Schneider is discussing: What exactly I Bonds are How I Bonds work Where they belong in a retirement savers portfolio If you want to learn about this unique + (virtually) risk-free investment that's paying 9%+, you're going to love this episode. ----- Over age 50? Need retirement + tax planning help? 👉 Get Started With a Free Retirement Assessment To grab the links mentioned in today's episode, visit the show notes page.

Today Jeremy Schneider dives into Vanguard Target Retirement funds (and the tax problems they're causing). Specifically, he's sharing: What happened at Vanguard to trigger this giant tax issue Why this occurred in the first place What to do when it happens again He's also answering two (2) BIG questions from listeners! If you're ready to learn how to avoid future mutual fund tax surprises so you don't overpay the IRS, today's episode is for you. Over age 50? Need retirement + tax planning help? 👉 Get Started With a Free Retirement Assessment To grab the links mentioned in today's episode, visit the show notes page.

Indexed Universal Life Insurance (IUL) is all the rage right now. "10%+ growth potential. Guaranteed security against market risk. Tax-free retirement income." These policies are confusing. And they sound WAY too good to be true. So to get to the bottom of it ... I bought one! I read the fine print. Did the math. And uncovered the ugly truth. In this episode, I'm sharing the 10 lies told during the IUL sales pitch + the actual financial outcome of buying one. I'm also answering two questions from listeners, including one about using a 3-fund portfolio for retirement investing. Over age 50? Need retirement + tax planning help? 👉 Get Started With a Free Retirement Assessment To grab the links mentioned in today's episode, visit the show notes page.

Today I'm sharing a fun announcement with everyone. I'm also providing retirement savers with important information on the 2022 Medicare IRMAA brackets. This includes covering three things: What IRMAA is How IRMAA is calculated The 10 best ways to avoid IRMAA If you want to better understand how you can navigate Medicare IRMAA this year (and beyond!), you'll enjoy this episode. *** 📖 Read more about the 2022 Medicare IRMAA brackets 📬 Subscribe to the Newsletter 📊 Get Your FREE Retirement & Tax Analysis ✏️ Grab the episode show notes

Today I'm talking about Grandparent 529 Plans. In fact, a BIG change was recently that seemed to fly under the radar. In addition to discussing this change, Robert Farrington joins me to discuss three (3) important things: How to maximize the tax benefits of a 529 Why 529 plans are great estate planning tools How to invest your money inside a 529 We also talk about alternatives to 529 plans that retirement savers might consider. If you want to learn about the new 529 rules + how to maximize the tax/estate planning benefits of these accounts, you're going to love this episode. Over age 50? Need retirement + tax planning help? 👉 Get Started With a Free Retirement Assessment To grab the links mentioned in today's episode, visit the show notes page.

Today I'm sharing key takeaways from the May inflation (CPI) report. I'm also sharing: What "shadow inflation" is (and why you should ignore it) Why inflation is high What retirement investors can do in response Over age 50? Need retirement + tax planning help? 👉 Get Started With a Free Retirement Assessment To grab the links mentioned in today's episode, visit the show notes page.

Inflation has skyrocketed this year. In fact, inflation jumped to a 40-year high of 8.5% in March 2022. So why are Treasury Inflation-Protected Securities (TIPS) losing money? What are TIPS exactly? And do they belong in a retirement portfolio? If you want answers to these questions, you're going to love today's episode. On the hunt for a retirement + tax planning expert? 👉 Learn more about getting a Free Retirement Assessment™. To grab the links mentioned in today's episode, head over to the show notes page here.

Today I'm sharing three (3) big retirement planning mistakes and how to avoid them. Actually, that's not true... I was inspired to add a fourth retirement mistake at the last minute after a recent client meeting. So be sure to stick around to the very end. ;) On the hunt for a retirement + tax planning expert? Learn more about getting a Free Retirement Assessment™. To grab the links mentioned in today's episode, head over to the show notes page here.