Buying your first home is about much more than finding the right house. In this episode of Behind the Wealth, Casey Mushrush is joined by experienced Realtor Corey Rath to discuss today's housing market, down payments, mortgages, home inspections, hidden costs, affordability, and the financial decisions every first-time homebuyer should understand before making an offer. Whether you're planning to buy this year or just starting to save, this conversation can help you avoid costly mistakes.

Follow Cory: 

https://coryrath.com/

Notes from the show: 

Study Cory Referenced on Adults Aged 18-29 Living At Home

Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.

The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing.

Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional.

Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful.

Cory Rath and their company are not affiliated with or endorsed by LPL Financial or Premier Investments & Wealth Management.

There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.

How much can you safely spend in retirement without worrying about running out of money?

In this episode of Behind The Wealth, we tackle one of retirement's biggest questions. We break down why the famous 4% rule isn't a one-size-fits-all solution, discuss the fear many retirees have about spending the money they've worked so hard to save, and explain why planning for the financial realities of the solo years is an important part of every retirement strategy.

Whether you're preparing for retirement or already retired, this conversation will help you think beyond rules of thumb and focus on building a flexible plan that can adapt as life changes.

Co-Host: Elias Randel

Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.

The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing.

Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional.

Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful.

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. All performance referenced is historical and is not a guarantee of future results.

All indices are unmanaged and cannot be invested into directly.

There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.

Dollar cost averaging involves continuous investment in securities regardless of fluctuations in price levels. Investors should consider their ability to continue purchasing through periods of low price levels. Such a plan does not assure a profit and does not protect against loss in declining markets.

This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.

Stocks and bonds have traditionally balanced one another—but what happens when they start moving in the same direction? This week, Roger, Elias, and Scott explore why market relationships are changing, what it means for diversification, and why investors may need to think differently about managing risk. They also discuss the growing movement to add pension-like income options to 401(k) plans and whether those features are a welcome addition or simply another layer of complexity. Finally, they tackle one of the biggest concerns among retirees today: the future of Social Security, separating the headlines from the facts and discussing what investors can actually control as they prepare for retirement.

Whether you're approaching retirement or already there, this conversation offers practical perspective on building a retirement strategy that can adapt to changing markets and changing times.

Co-Host: Roger Abel, AIF

Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.

The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing.

Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional.

Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful.

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly.

There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.

Dollar cost averaging involves continuous investment in securities regardless of fluctuations in price levels. Investors should consider their ability to continue purchasing through periods of low price levels. Such a plan does not assure a profit and does not protect against loss in declining markets.

Annuities are sold by prospectus, which contains detailed information about investment objectives and risks, as well as charges and expenses. You are encouraged to read the prospectus carefully before you invest or send money to buy an annuity contract. The prospectus is available from the insurance company or from your financial professional.

The guarantees of an annuity contract depend on the issuing company’s claims-paying ability.

Variable annuity subaccounts will fluctuate in value based on market conditions, and may be worth more or less than the original amount invested if the annuity is surrendered.

This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.

This week on Behind The Wealth, Casey Mushrush, Steve, and Scott tackle a strange reality facing investors today: both good economic news and bad economic news seem capable of rattling the markets.

Check Out Our Investor Guide Series: https://www.premieriwm.com/investor-guides 

Get started on your path to financial freedom: www.premieriwm.com 

Co-Host: Casey Mushrush, CFP

Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.

The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing.

Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional.

Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful.

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly.

There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.

Dollar cost averaging involves continuous investment in securities regardless of fluctuations in price levels. Investors should consider their ability to continue purchasing through periods of low price levels. Such a plan does not assure a profit and does not protect against loss in declining markets.

This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.

The market recently returned to all-time highs, but many investors remain surprisingly cautious. In this episode, Roger, Steve, and Casey discuss what's driving the rally, the growing influence of AI, why so much money is still sitting in cash, and what investors should watch as markets continue to climb. They also explore the disconnect between Wall Street and Main Street, including the ongoing impact inflation is having on household finances.

Check Out Our Investor Guide Series: https://www.premieriwm.com/investor-guides 

Get started on your path to financial freedom: www.premieriwm.com 

Host: Roger Abel, AIF

Co-Host: Elias Randel

Co-Host: Steve Hough, CFP

Producer: Molly Nordlocken

Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.

The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing.

Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional.

Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful.

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly.

There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.

Dollar cost averaging involves continuous investment in securities regardless of fluctuations in price levels. Investors should consider their ability to continue purchasing through periods of low price levels. Such a plan does not assure a profit and does not protect against loss in declining markets.

This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.

Markets have climbed to new highs, but that doesn’t mean investors are in the clear. In this episode of Behind The Wealth, Roger Abel, Steve Hough, and Elias Randel break down some of the biggest risks that could challenge today's strong market narrative, from economic uncertainty and policy changes to the impact of upcoming midterm elections. They discuss why headlines often create short-term volatility, what history can teach us about investing through uncertainty, and why disciplined investor behavior remains one of the most powerful tools for long-term success. If you're wondering how to stay focused when markets get noisy, this episode is for you.

Check Out Our Investor Guide Series: https://www.premieriwm.com/investor-guides 

Get started on your path to financial freedom: www.premieriwm.com 

Host: Roger Abel, AIF

Co-Host: Elias Randel

Co-Host: Steve Hough, CFP

Producer: Molly Nordlocken

Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.

The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing.

Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional.

Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful.

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly.

There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.

Dollar cost averaging involves continuous investment in securities regardless of fluctuations in price levels. Investors should consider their ability to continue purchasing through periods of low price levels. Such a plan does not assure a profit and does not protect against loss in declining markets.

This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.

This week, we react to a viral article where ChatGPT was asked the “best” age to claim Social Security — and discuss why the real answer is usually more personal than people think. We also dive into retirement readiness beyond just your account balance, including cash flow, taxes, debt, and withdrawal strategy, plus the hidden impact of “personal inflation” and why many households feel like their expenses are rising faster than the official inflation numbers suggest

Check Out Our Investor Guide Series: https://www.premieriwm.com/investor-guides 

Get started on your path to financial freedom: www.premieriwm.com 

Host: Roger Abel, AIF

Co-Host: Elias Randel

Producer: Molly Nordlocken

Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.

The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing.

Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional.

Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful.

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly.

There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.

Dollar cost averaging involves continuous investment in securities regardless of fluctuations in price levels. Investors should consider their ability to continue purchasing through periods of low price levels. Such a plan does not assure a profit and does not protect against loss in declining markets.

This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.

From the automobile to smartphones to artificial intelligence, innovation has continually reshaped the way we live, work, and invest. In this episode, Roger is joined by PIWM Regional Vice President, Steve Hough, to discuss how major technological shifts throughout history have impacted everyday life and the financial markets—and what the future may hold as AI continues to evolve. We’ll explore whether AI could become the next transformational force for businesses, investors, and the economy in the years ahead.

Check Out Our Investor Guide Series: https://www.premieriwm.com/investor-guides 

Get started on your path to financial freedom: www.premieriwm.com 

Host: Roger Abel, AIF

Guest Host: Steve Hough, CFP

Producer: Molly Nordlocken

Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.

The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing.

Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional.

Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful.

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly.

There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.

Dollar cost averaging involves continuous investment in securities regardless of fluctuations in price levels. Investors should consider their ability to continue purchasing through periods of low price levels. Such a plan does not assure a profit and does not protect against loss in declining markets.

This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.

Who really had it harder: millennials or boomers? In this episode, we break down the generational money debate (and why the answer isn’t so simple).

We also cover a big win for retirement savers as more small business employees gain access to 401(k)s, plus a surprising stat: most Americans plan to ignore one of the most talked-about Social Security strategies.

Check Out Our Investor Guide Series: https://www.premieriwm.com/investor-guides 

Get started on your path to financial freedom: www.premieriwm.com 

Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.

The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing.

Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional.

Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful.

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly.

There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.

Dollar cost averaging involves continuous investment in securities regardless of fluctuations in price levels. Investors should consider their ability to continue purchasing through periods of low price levels. Such a plan does not assure a profit and does not protect against loss in declining markets.

Consult your tax professional about eligibility to Roth and Traditional IRA contributions. Contributions and earnings in a Roth IRA can be withdrawn without paying taxes and penalties if the account owner is at least 59 ½ and has held their Roth IRA for at least five years.

Traditional IRA account owners have considerations to make before performing a Roth IRA conversion. These primarily include income tax consequences on the converted amount in the year of the conversion, withdrawal limitations from a Roth IRA, and income limitations for future contributions to a Roth IRA. In addition, if you are required to take a minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA.

This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.

What do income taxes, market volatility, and everyday money habits have in common? More than you think. In this episode, we unpack the surprising history of how the modern tax system helped spark America’s cocktail culture, why investors who stayed disciplined through recent market swings are being rewarded, and the subtle strategies wealthy individuals use to manage their finances. It’s a mix of history, behavior, and practical insight; all designed to help you think a little differently about your finances.

Check Out Our Investor Guide Series: https://www.premieriwm.com/investor-guides 

Get started on your path to financial freedom: www.premieriwm.com 

Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.

The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing.

Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional.

Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful.

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly.

There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.

Dollar cost averaging involves continuous investment in securities regardless of fluctuations in price levels. Investors should consider their ability to continue purchasing through periods of low price levels. Such a plan does not assure a profit and does not protect against loss in declining markets.

Consult your tax professional about eligibility to Roth and Traditional IRA contributions. Contributions and earnings in a Roth IRA can be withdrawn without paying taxes and penalties if the account owner is at least 59 ½ and has held their Roth IRA for at least five years.

Traditional IRA account owners have considerations to make before performing a Roth IRA conversion. These primarily include income tax consequences on the converted amount in the year of the conversion, withdrawal limitations from a Roth IRA, and income limitations for future contributions to a Roth IRA. In addition, if you are required to take a minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA.

This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.