A Wiser Retirement®

How secure is your digital life, especially when it comes to cryptocurrency? This week, on A Wiser Retirement™ Podcast, Casey Smith is joined by Robert Swarthout, founder, CEO, and portfolio manager of Teton Crypto Capital, to discuss the essential role of password managers and two-factor authentication in safeguarding your digital assets. Don't miss this episode that will provide valuable insights and advice on protecting your digital presence and navigating the ever-evolving landscape of cryptocurrency.

As digital security becomes even more critical, we explore the potential risks associated with storing passwords on your browser and the importance of having a hardware wallet for your crypto assets. We also discuss the dangers of leaving your laptop on an airplane and how fingerprint scans, Face ID, and other security measures can help protect your devices. Robert shares his expert knowledge on securing your assets and the risks of using exchanges.

Finally, we dive into the world of crypto custody and ETFs, examining the ongoing turf war between the SEC and CFTC over-regulation and the history of Bitcoin ETFs. We cover the basics of managing a wallet and discuss if it passes the "grandma test" for ease of use. We also unpack recent events involving the SEC, Binance, and Coinbase, analyzing the potential implications for the future of US crypto regulation.

Podcast Episodes Referenced:
- Ep 167: Crypto Special: The SEC and Crypto
- Ep 161: Crypto Special: Why Crypto is So Confusing to the Average Investor

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Founded in 2001, Wiser Wealth Management is a fee-only fiduciary financial planning and wealth management firm helping individuals, families, and business owners make informed financial decisions.

Have questions about your financial plan? Schedule a Complimentary Consultation to discover how we can help you achieve financial freedom. We are local to Atlanta, but can meet with you virtually from wherever you are. 

Access Our Free Guides: Gain valuable insights on building a financial legacy, the importance of a financial advisor for business owners, and the tax impact on inheritance, and more!

Stay Connected:

Follow Wiser Wealth Management on Social Media: Facebook | Instagram | LinkedIn | Twitter
Subscribe to A Wiser Retirement® YouTube Channel for more financial education videos and podcast episodes.

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On this episode of A Wiser Retirement™ Podcast, Casey Smith, Missie Beach, CFP®, CDFA®, and Michaela Laney dive into the complex world of estate tax rates, annuities, and IRAs. We shed light on strategies like Roth conversions to minimize tax burdens and the importance of legacy planning to ensure your kids benefit from your inheritance.

But it's not just about the numbers; we also tackle the psychological and practical aspects of managing inherited wealth. Discover the value of diversifying assets, the potential risks of real estate investments, and how a "legacy letter" can express your values and intentions for your inheritance. With the advice of our experts, you'll learn to create a plan to handle your inheritance wisely, avoid squandering the money, and secure a lasting legacy for future generations.

Podcast Episodes Referenced:
- Ep 127: The Cost of Inheriting Wealth, Estate Tax and Opportunities to Avoid It
- Ep 117: What is Generational Wealth & How Do You Preserve It?

Youtube Videos Referenced:
- Does an inheritance count as income?

Learn More:

Founded in 2001, Wiser Wealth Management is a fee-only fiduciary financial planning and wealth management firm helping individuals, families, and business owners make informed financial decisions.

Have questions about your financial plan? Schedule a Complimentary Consultation to discover how we can help you achieve financial freedom. We are local to Atlanta, but can meet with you virtually from wherever you are. 

Access Our Free Guides: Gain valuable insights on building a financial legacy, the importance of a financial advisor for business owners, and the tax impact on inheritance, and more!

Stay Connected:

Follow Wiser Wealth Management on Social Media: Facebook | Instagram | LinkedIn | Twitter
Subscribe to A Wiser Retirement® YouTube Channel for more financial education videos and podcast episodes.

This podcast was produced by ...

On this episode of A Wiser Retirement™ Podcast, Casey Smith, Missie Beach, CFP®, CDFA®, and Michaela Laney, discuss retirement planning and demystify the "right amount of money to retire" expectation.

How much money do you really need to retire comfortably? It's a tough question to answer, and the truth is, there isn't a one-size-fits-all solution. Join us in this episode as we explore the factors determining each individual's unique retirement needs, why online retirement calculators can't provide a blanket response, and how evaluating your expenses and time left before retirement can clarify your financial planning.

We also dive into financial strategies to help you achieve your retirement goals, such as freeing up cash flow and saving mortgage interest. Learn how to use the mortgage payoff calculator to maximize the benefits of low mortgage rates and ensure you have a solid emergency reserve in place. Plus, discover the critical importance of maintaining two years' worth of expenses in a cash account during retirement.

Finally, we break down the 4% rule as a starting point in calculating your retirement needs, taking into account expenses, income sources, and taxes. Unveil the impact of inflation and learn how to properly account for it, as well as the importance of grossing up for taxes when using the 4% rule. Listen in as we share our insights on using conservative numbers and considering various factors such as market performance when planning for your golden years.

Podcast Episodes Referenced:
- Ep 158: How much can you spend in retirement?
- Ep 115: What Could Happen if You Don’t Prepare for Retirement

YouTube Videos Referenced:
-  How much money is enough to retire?

Other Links:
- https://wiserinvestor.com/mortgage-payoff-calculator/
- https://wiserinvestor.com/budget-calculator/ 

Learn More:

Founded in 2001, Wiser Wealth Management is a fee-only fiduciary financial planning and wealth management firm helping individuals, families, and business owners make informed financial decisions.

Have questions about your financial plan? Schedule a Complimentary Consultation to discover how we can help you achieve financial freedom. We are local to Atlanta, but can meet with you virtually from wherever you are. 

Access Our Free Guides: Gain valuable insights on building a financial legacy, the importance of a financial advisor for business owners, and the tax impact on inheritance, and more!

Stay Connected:

Follow Wiser Wealth Management on Social Media: Facebook | Instagram | LinkedIn | Twitter
Subscribe to A Wiser Retirement® YouTube Channel for more financial education videos and podcast episodes.

This podcast was produced by ...

On this episode of A Wiser Retirement™ Podcast, Casey Smith and Brad Lyons, CFP® discuss how human behavior leads us to believe that a presidential election can make or break our investments. 

 As we gear up for the 2024 election season, you might be wondering how the political climate could affect market volatility and your financial planning. Fear not, as we're here to help you navigate these uncertain times with a comprehensive discussion on the potential impacts of the upcoming election, the importance of evaluating data objectively, and the Presidential Election Year Cycle Theory.

We'll examine the current state of market volatility, the debt ceiling, and the potential consequences of a divided or unified government. We'll also tackle the fascinating theory proposed by Yale Hirsch, exploring the relationship between presidential administration cycles and stock market returns, and how to stay rational in our investment decisions amidst the emotionally charged election season. Don't miss this insightful conversation that will equip you with the knowledge and perspective needed to make the best decisions for your portfolio during the 2024 election cycle.

Podcast Episodes Referenced:
- Ep 165: 5 Principals of Successful Investing
- Ep 89: Active vs Passive Investing

YouTube Videos Referenced:
- How to be a Long Term Investor
- What is the right time to invest in the stock market?

Learn More:

Founded in 2001, Wiser Wealth Management is a fee-only fiduciary financial planning and wealth management firm helping individuals, families, and business owners make informed financial decisions.

Have questions about your financial plan? Schedule a Complimentary Consultation to discover how we can help you achieve financial freedom. We are local to Atlanta, but can meet with you virtually from wherever you are. 

Access Our Free Guides: Gain valuable insights on building a financial legacy, the importance of a financial advisor for business owners, and the tax impact on inheritance, and more!

Stay Connected:

Follow Wiser Wealth Management on Social Media: Facebook | Instagram | LinkedIn | Twitter
Subscribe to A Wiser Retirement® YouTube Channel for more financial education videos and podcast episodes.

This podcast was produced by ...

On this episode of A Wiser Retirement™ Podcast, Casey Smith and Missie Beach, CFP®, CDFA® discuss 529 plans as a vehicle for college savings. Are you prepared for the skyrocketing costs of higher education? Look no further; we've got you covered with this enlightening episode all about 529 plans. Discover the pros and cons of the two main types of plans, learn about the incredible benefits of compounding interest, and understand the various ways to set up a 529 plan. We also dive deep into the tax advantages and emphasize the importance of being mindful of ownership when setting up your child's college savings plan.

But wait - there's more! We don't just stop at the basics; we explore the flexibility of 529 plans to their fullest extent. From transferring beneficiaries and covering eligible expenses to penalty-free withdrawals for scholarships, we've got your back. We even discuss how to use the plans for K-12 tuition and roll unused funds over to a Roth IRA. Plus, we tackle the real challenges of higher education costs, loan rates, and average student debt. We'll even let you in on a valuable tool to calculate return on investment for college majors and the hidden gems of smaller schools with equal education quality but at lower costs. So join us and start planning for your child's future with our comprehensive guide on 529 plans and beyond.

Podcast Episodes Referenced:
- Ep 152: 10 Tax Planning Strategies for High Net Worth Individuals
- Ep 127: The Cost of Inheriting Wealth, Estate Tax and Opportunities to Avoid It

YouTube Videos Referenced:
- 6 Habits of Financially Successful People
- How to be a Long-Term Investor

Learn More:

Founded in 2001, Wiser Wealth Management is a fee-only fiduciary financial planning and wealth management firm helping individuals, families, and business owners make informed financial decisions.

Have questions about your financial plan? Schedule a Complimentary Consultation to discover how we can help you achieve financial freedom. We are local to Atlanta, but can meet with you virtually from wherever you are. 

Access Our Free Guides: Gain valuable insights on building a financial legacy, the importance of a financial advisor for business owners, and the tax impact on inheritance, and more!

Stay Connected:

Follow Wiser Wealth Management on Social Media: Facebook | Instagram | LinkedIn | Twitter
Subscribe to A Wiser Retirement® YouTube Channel for more financial education videos and podcast episodes.

This podcast was produced by ...

On this special crypto episode of A Wiser Retirement™ Podcast, Casey Smith and Robert Swarthout discuss news in the Crypto world and the SEC's involvement in lawsuits against different Crypto companies.

Podcast Episodes Referenced:
- Ep 161: Crypto Special: Why Crypto is So Confusing to the Average Investor
- Ep 157: Crypto Special: Where Crypto is Headed with Don Friedman, President of DACFP

YouTube Videos Referenced:
- What are the Best Short-Term Investment Plans?
- What is the Number One Rule in Investing?

Learn More:

Founded in 2001, Wiser Wealth Management is a fee-only fiduciary financial planning and wealth management firm helping individuals, families, and business owners make informed financial decisions.

Have questions about your financial plan? Schedule a Complimentary Consultation to discover how we can help you achieve financial freedom. We are local to Atlanta, but can meet with you virtually from wherever you are. 

Access Our Free Guides: Gain valuable insights on building a financial legacy, the importance of a financial advisor for business owners, and the tax impact on inheritance, and more!

Stay Connected:

Follow Wiser Wealth Management on Social Media: Facebook | Instagram | LinkedIn | Twitter
Subscribe to A Wiser Retirement® YouTube Channel for more financial education videos and podcast episodes.

This podcast was produced by ...

On this episode of A Wiser Retirement™ Podcast, Casey Smith and Michaela Laney, talk about the components of a mentally and physically healthy morning routine, and how you can make changes in your life to create a million-dollar morning routine for yourself.

Podcast Episodes Referenced:
-  Ep 143: Financial Success is Intentional

YouTube Videos Referenced:
- 6 Habits of Financially Successful People

Other Links:
- Join 1440

Learn More:

Founded in 2001, Wiser Wealth Management is a fee-only fiduciary financial planning and wealth management firm helping individuals, families, and business owners make informed financial decisions.

Have questions about your financial plan? Schedule a Complimentary Consultation to discover how we can help you achieve financial freedom. We are local to Atlanta, but can meet with you virtually from wherever you are. 

Access Our Free Guides: Gain valuable insights on building a financial legacy, the importance of a financial advisor for business owners, and the tax impact on inheritance, and more!

Stay Connected:

Follow Wiser Wealth Management on Social Media: Facebook | Instagram | LinkedIn | Twitter
Subscribe to A Wiser Retirement® YouTube Channel for more financial education videos and podcast episodes.

This podcast was produced by ...

On this episode of A Wiser Retirement™ Podcast, Casey Smith and Brad Lyons, CFP® discuss 5 principles of successful investing. These principles should help you succeed in any season of life and through differing economic and political circumstances.

Podcast Episodes Referenced:
- Ep 154: Investing Through Times of Fear
- Ep 121: Designing Your Portfolio to Leave a Lasting Legacy

YouTube Videos Referenced:
- Two Bucket Investing Strategy: Income Strategy vs Total Return
- What is the Number One Rule in Investing?

Learn More:

Founded in 2001, Wiser Wealth Management is a fee-only fiduciary financial planning and wealth management firm helping individuals, families, and business owners make informed financial decisions.

Have questions about your financial plan? Schedule a Complimentary Consultation to discover how we can help you achieve financial freedom. We are local to Atlanta, but can meet with you virtually from wherever you are. 

Access Our Free Guides: Gain valuable insights on building a financial legacy, the importance of a financial advisor for business owners, and the tax impact on inheritance, and more!

Stay Connected:

Follow Wiser Wealth Management on Social Media: Facebook | Instagram | LinkedIn | Twitter
Subscribe to A Wiser Retirement® YouTube Channel for more financial education videos and podcast episodes.

This podcast was produced by ...

On this episode of A Wiser Retirement™ Podcast, Casey Smith opens the podcast with guest Tom Townsend, real estate agent at Townsend Realty Group. They briefly talk about what's going on in the current real estate market. For the remainder of the episode, Casey is joined by Missie Beach, CFP®, CDFA® to talk about what you should do with your old 401k.

Podcast Episodes Referenced:
- Ep 115: What could happen if you don’t prepare for retirement
- Ep 89: Active vs Passive Investing

YouTube Videos Referenced:
- What's the difference between a 401k, 401a, and 403b?
- ESG Coming to Your 401k Plan

Other links:
Tom Townsend, Townsend Realty Group

Learn More:

Founded in 2001, Wiser Wealth Management is a fee-only fiduciary financial planning and wealth management firm helping individuals, families, and business owners make informed financial decisions.

Have questions about your financial plan? Schedule a Complimentary Consultation to discover how we can help you achieve financial freedom. We are local to Atlanta, but can meet with you virtually from wherever you are. 

Access Our Free Guides: Gain valuable insights on building a financial legacy, the importance of a financial advisor for business owners, and the tax impact on inheritance, and more!

Stay Connected:

Follow Wiser Wealth Management on Social Media: Facebook | Instagram | LinkedIn | Twitter
Subscribe to A Wiser Retirement® YouTube Channel for more financial education videos and podcast episodes.

This podcast was produced by ...

On this episode of A Wiser Retirement™ Podcast, Casey Smith and Brad Lyons, CFP® talk about how to maximize earnings on your cash reserves and cover the basics of ESG investing.

Podcast Episodes Referenced:
- Ep 143: Financial Success is Intentional
- Ep 102: Low Cost, Diversified, Long-term Investing

YouTube Videos Referenced:
- What is the right time to invest in the stock market?
- How to be a Long-Term Investor

Learn More:

Founded in 2001, Wiser Wealth Management is a fee-only fiduciary financial planning and wealth management firm helping individuals, families, and business owners make informed financial decisions.

Have questions about your financial plan? Schedule a Complimentary Consultation to discover how we can help you achieve financial freedom. We are local to Atlanta, but can meet with you virtually from wherever you are. 

Access Our Free Guides: Gain valuable insights on building a financial legacy, the importance of a financial advisor for business owners, and the tax impact on inheritance, and more!

Stay Connected:

Follow Wiser Wealth Management on Social Media: Facebook | Instagram | LinkedIn | Twitter
Subscribe to A Wiser Retirement® YouTube Channel for more financial education videos and podcast episodes.

This podcast was produced by ...