This week on the Common Sense Investing Show, Victor McClure and Steve Ringo focused on the importance of year-end financial strategies as we enter the latter half of 2025. The team emphasized stress testing retirement portfolios and urged listeners not to be complacent but to routinely evaluate their plans, particularly looking at asset allocation, tax harvesting, and income strategies ahead of 2026. The discussion highlighted the difference between accumulation and distribution phases, noting that while the stock market excels at growing wealth, retirees need reliable income streams and the right asset mix as they approach retirement.

The show also covered critical end-of-year deadlines, including Medicare’s annual election period, required minimum distributions (RMDs), Roth conversions, and charitable gifting, all of which must be addressed by December 31st. Victor and Steve stressed the importance of understanding healthcare and state tax implications when relocating in retirement, reminding listeners that costs and coverage can vary greatly depending on location. Audience questions covered topics such as evaluating portfolio performance and considering moves between financial advisors or relocating states.


For more information about Victor McClure, Steve Ringo and the McClure Capital team, visit https://mcclurecapital.com/

This week's episode of the Common Sense Investing Show, hosted by Victor McClure from McClure Capital Wealth Management and co-hosted by Steve Ringo, tackles critical topics surrounding retirement planning. Victor shares his extensive experience in finance to navigate complex subjects such as the impact of fluctuating interest rates, market volatility, and tax changes on retirement plans. Emphasizing the importance of holistic retirement preparation, the discussion stresses the need for strategic financial planning, advocating for gradual expense adjustments rather than assuming economic conditions will remain static.

As the discussion progresses, the show delves into the complexities of selecting the right financial advisor. Victor and Steve emphasize the importance of choosing fiduciaries who are qualified across a range of products, whether they deal with annuities, stocks, or other financial instruments. They highlight the significance of understanding the fees associated with financial products and ensuring value from advisory services. The show concludes by encouraging listeners to be active stewards of their finances, offering insights into achieving financial security through well-planned retirement strategies.


For more information about Victor McClure, Steve Ringo and the McClure Capital team, visit https://mcclurecapital.com/

For more information about Victor McClure, Steve Ringo and the McClure Capital team, visit https://mcclurecapital.com/

This week's episode of the Common Sense Investing Show, hosted by Victor McClure and Steve Ringo, focused on navigating the uncertainty surrounding economic conditions and their potential impact on retirement planning. Victor shared insights from his extensive experience, emphasizing the importance of having a solid retirement plan, especially given current fluctuations in interest rates. Victor and Steve stressed the need for comprehensive planning to maintain lifestyle and security in retirement, drawing examples from their personal experiences and listener stories.

The discussion also touched on how significant changes in economic indicators like CPI and PPI affect future rate expectations, impacting investment strategies and retirement portfolios. McClure Capital advocates for stress testing retirement plans, much like the rigorous testing of structures, to reveal and address potential financial weaknesses. The show underscored the value of choosing high-rated insurance carriers for annuities, and the importance of continuous updates to beneficiary designations and estate planning. Victor and Steve's warm storytelling and practical advice prompted listeners to consider how inflation and market volatility might influence their retirement, highlighting the benefits of maintaining robust cash flow and diversified investments.


For more information about Victor McClure, Steve Ringo and the McClure Capital team, visit https://mcclurecapital.com/

For more information about Victor McClure, Steve Ringo and the McClure Capital team, visit https://mcclurecapital.com/

In this week's episode of the Common Sense Investing radio show, hosts Victor McClure and Steve Ringo go over crucial topics surrounding retirement planning and financial stability. They emphasize the importance of a comprehensive retirement plan to navigate market volatility, taxes, inflation, and unexpected financial burdens. Victor explains the risks associated with relying solely on average returns, highlighting the potential pitfalls of "sequence of returns" – a concept that can dramatically affect retirement savings if not properly accounted for. Through practical examples, Victor illustrates why understanding the math behind investments can prevent retirees from falling into what he describes as a financial vortex or a death spiral.

Additionally, the hosts discuss the impact of lifestyle choices and unexpected expenses, such as college costs for children or caregiving for family members, on long-term financial health. They introduce terms like "financial vortex" and "lifestyle creep," advising listeners to prioritize their own retirement needs and clearly communicate financial boundaries to family. Victor and Steve stress that having a retirement plan is not about simple projections but involves careful calculation of future income, taxes, and potential shortfalls, adjusted regularly to avoid unpleasant surprises. They welcome questions from listeners, demonstrating how personalized advice can lead to a secure and unbothered approach to retirement planning.


For more information about Victor McClure, Steve Ringo and the McClure Capital team, visit https://mcclurecapital.com/

For more information about Victor McClure, Steve Ringo and the McClure Capital team, visit https://mcclurecapital.com/

In the latest episode of the Common Sense Investing Show, hosted by Victor McClure and Steve Ringo, the discussion centered around the impact of political tensions on financial planning, particularly amid conflicts between President Trump and Federal Reserve Chairman Jerome Powell. The hosts delved into the intricacies of interest rate decisions, highlighting the Federal Reserve's role in managing inflation and stabilizing the economy. With detailed analysis, they explored how interest rate fluctuations influence investment opportunities, notably in real estate and fixed income markets, and advised listeners on maintaining a balanced portfolio amid uncertainties. The emphasis was on ensuring that one's retirement plan withstands market volatility without depending on political and economic circumstances.

Alongside, McClure and Ringo answered listener queries, covering topics like long-term care planning, emergency funds, and education savings for grandchildren. The discussion underscored the importance of a robust, stress-tested financial plan that accounts for unexpected life events, including job loss or death of a spouse. Through engaging anecdotes and expert insights, the hosts reinforced the need for prudent financial decisions.


For more information about Victor McClure, Steve Ringo and the McClure Capital team, visit https://mcclurecapital.com/

For more information about Victor McClure, Steve Ringo and the McClure Capital team, visit https://mcclurecapital.com/

During this week's edition of the Common Sense Investing (CSI) Show, hosts Victor McClure and Steve Ringo focused on the intricacies of planning for retirement amidst increasing life expectancies. They emphasized the importance of understanding the differences between the accumulation and distribution phases of financial life, particularly highlighting the potential financial challenges that can arise if one's retirement savings are not adequately diversified and protected against market downturns. Victor underscored the necessity of a comprehensive approach that includes proper planning, stress testing of portfolios, and maintaining diversified income streams instead of relying solely on stock investments.

In their discussion, the hosts also tackled the topic of selecting financial products, such as annuities, explaining the significance of choosing high-rated companies to ensure reliability and income stability.  Additionally, they addressed the common misconceptions about Roth conversions and emphasized the critical need for tailored financial strategies that consider one's entire financial picture, including potential long-term care needs and spouse survivability.


For more information about Victor McClure, Steve Ringo and the McClure Capital team, visit https://mcclurecapital.com/

For more information about Victor McClure, Steve Ringo and the McClure Capital team, visit https://mcclurecapital.com/

This week's Common Sense Investing Show, hosted by Victor McClure, featured discussions with Steve Ringo and guest Daniel Snover, focusing on today's financial landscape and investment strategies amidst the latest CPI report.. Victor shared his insights on navigating the complexities of financial planning, particularly emphasizing risk management over stock-picking for long-term success. The conversation highlighted how macroeconomic factors like wage growth and inflation are crucial in shaping market dynamics and interest rates. Daniel Snover added his expertise on market trends, debunking the myth of easy returns promised by some investment advertisements and emphasizing the importance of strategic asset allocation to mitigate risks and achieve effective portfolio management.

Additionally, the show addressed common concerns about financial security, including liquidity and Social Security's future. Victor explained how instruments like annuities, bonds, and CDs serve as valuable financial tools, particularly in retirement planning, despite their perceived lack of liquidity. He reassured listeners about the reliability of Social Security, providing historical context and future predictions to alleviate fears of imminent collapse.


For more information about Victor McClure, Steve Ringo and the McClure Capital team, visit https://mcclurecapital.com/

For more information about Victor McClure, Steve Ringo and the McClure Capital team, visit https://mcclurecapital.com/

In this week's Common Sense Investing Show with Victor McClure, Victor dedicated the episode to addressing listener inquiries, reflecting his 30-plus years of financial expertise. One prominent topic discussed was the considerations involved in retiring abroad, such as the impact on savings and pensions, healthcare arrangements, and lifestyle adjustments. Victor emphasized the importance of evaluating both pros and cons before making such a significant life decision, sharing insights from his travels and interactions with expats.

Additionally, Victor covered various retirement planning strategies, including the significance of income streams, the potential benefits of annuities in the current economic climate, and the importance of stress-testing financial plans to ensure they can withstand economic fluctuations. The show also highlighted the importance of considering long-term care coverage options, given the rising costs and likelihood of need. Victor pointed out that while traditional policies are available, new alternatives such as annuities with long-term care benefits are worth considering due to their fixed rates and potential for returns. Overall, the episode encouraged thoughtful preparation and consultation with financial advisors to build a resilient strategy for retirement.


For more information about Victor McClure, Steve Ringo and the McClure Capital team, visit https://mcclurecapital.com/

For more information about Victor McClure, Steve Ringo and the McClure Capital team, visit https://mcclurecapital.com/

This week on the Common Sense Investing (CSI) show, Steve Ringo sans Victor McClure, discussed the impact of global conflicts on the financial markets and their implications for retirement planning. Steve emphasized the importance of maintaining a diversified portfolio and having a concrete retirement plan in place to mitigate risks presented by market volatility. He highlighted the value of stress-testing retirement strategies to ensure stability during chaotic times. Additionally, listeners were reminded of the ongoing education and adaptability required in the ever-changing financial landscape.

The show also delved into strategies to combat inflation, suggesting a focus on investments with inflation resistance like commodities and specific growth strategies with annuities. The conversation shifted towards addressing audience questions about long-term care insurance, social security timing, and the importance of getting a second opinion on financial plans. Steve reinforced the significance of aligning financial decisions with personal circumstances, advocating for a comprehensive assessment of retirement strategies.


For more information about Victor McClure, Steve Ringo and the McClure Capital team, visit https://mcclurecapital.com/

For more information about Victor McClure, Steve Ringo and the McClure Capital team, visit https://mcclurecapital.com/

In this week's episode of the Common Sense Investing Show, Victor McClure and Steve Ringo get into significant financial topics impacting retirement planning, including the much-discussed "big, beautiful bill" making its way through Congress. The hosts explored the implications of continued tax cuts from the 2017 Jobs Act, emphasizing the importance for retirees to stay informed about potential changes affecting their savings and estate planning. With land values escalating in areas like Texas and Oklahoma, Victor and Steve underscored the significance of understanding estate taxes and the challenges of preserving family properties across generations.

Throughout the show, Victor and Steve discussed the nuances of retirement planning, addressing listener concerns about 401(k)s and the evolving landscape of IRA inheritance rules under the Secure Act. They highlighted the critical role of proper planning and the dangers of over-reliance on trading prowess, advocating for a balanced approach that incorporates professional advisory services. They advised listeners to focus on income generation and stress-tested portfolio strategies to ensure a stable and fulfilling retirement.


For more information about Victor McClure, Steve Ringo and the McClure Capital team, visit https://mcclurecapital.com/

For more information about Victor McClure, Steve Ringo and the McClure Capital team, visit https://mcclurecapital.com/