The Common Sense Investing Show, featuring hosts Victor McClure and Steve Ringo, delves into various investment strategies and financial planning for retirement. The hosts emphasize the importance of understanding both active and passive investment strategies, likening them to different types of vehicles suited for various life stages.

Further discussions touch upon the challenges posed by economic volatility, interest rates, and market fluctuations. The hosts stress the importance of being prepared for potential market downturns and the value of having a written retirement plan. They also discuss the potential emotional pitfalls in financial decision-making, advocating a math-based approach to investment rather than emotional reactions. Throughout the discussion, the recurring theme is the importance of having a comprehensive and adaptable financial plan to ensure a stable retirement income, irrespective of short-term economic conditions.


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

The "Common Sense Investing" podcast hosted by Victor McClure emphasizes strategic retirement planning, especially regarding asset allocation and market volatility. Victor highlights the importance of transitioning to safer investments as one approaches retirement to avoid substantial losses that can be difficult to recover from due to time constraints. He discusses how many do-it-yourself investors often retain aggressive portfolios meant for younger individuals, which can be detrimental in the face of economic downturns.

Furthermore, the podcast underscores the significance of controlling expenses rather than solely focusing on investment returns. Victor explains that meticulous budgeting and tracking expenses can substantially impact retirement savings, often more than pursuing higher returns. The discussion advocates for a balanced approach in retirement planning that includes leisure activities to prevent overly frugal lifestyles, which may lead to dissatisfaction in retirement.


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, Steve Ringo of McClure Capital goes solo and dives into market volatility and its effects on retirement planning. He emphasizes the significance of having a written retirement plan, noting that a staggering 70% of people still lack one. The discussion ranges from anecdotal experiences with market fluctuations, such as the tech crash and the 2008 financial crisis, to advice on maintaining a steady course despite market ups and downs. They also touch on the importance of understanding financial tools like annuities and highlight the benefit of stress-testing retirement portfolios to ensure preparedness for future market changes.

A recurring theme throughout the episode is the importance of staying proactive with retirement planning. The hosts mention various financial strategies and tools, such as the "love letter", which helps one communicate end-of-life wishes to loved ones, and the value of seeking professional financial advice. They reiterate that retirement success depends heavily on informed decision-making and encourage listeners to get a second opinion on their financial plans, especially those approaching retirement who face significant market exposure risks.


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

With so much market volatility in the news, many retirees are thinking about the parts of their income strategy that don’t rise and fall with the market. For many retirees, that means Social Security. How could recent market fluctuations affect social security and retirement planning?

Plus, Victor McClure answers questions about spending too much in retirement, spending concerns and worries, maximizing/optimizing benefits, not wanting to retire, a dream home in retirement and more!

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

On this week's Common Investing Show, Victor and Steve kick off the show by discussing the psychological impact of market volatility, tariffs, and the looming fear of a recession. Victor emphasizes not to panic amidst market fluctuations, advising that a well-planned retirement strategy can withstand short-term market swings. He highlights the importance of having a robust retirement income plan that is insulated from stock market volatility.

In this episode, they revisit the bucket strategy—splitting finances into reserve, income, and growth buckets to mitigate risk and ensure steady income. Victor elaborates on how annuities, CDs, and government bonds can solidify the income bucket, providing a stable retirement income. Steve underscores the value of diversifying the growth bucket to combat inflation and maintain long-term financial health. They also touch on the pitfalls of emotional investing and the necessity of a hands-off, managed approach to avoid making rash decisions.


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

In this episode of the "Common Sense Investing" show, Victor McClure discusses how to overcome the fear of spending money in retirement. With over 30 years of experience, Victor emphasizes the importance of proper retirement planning and understanding cash flow. He explores the psychological impact of seeing account balances decrease during retirement and how stress testing and comprehensive financial planning can help alleviate those concerns. 

Victor also touches on the value of diversified asset classes, including the strategic use of annuities and the cautious approach towards private investments and real estate. He shares personal anecdotes about the intricacies of managing rental properties and the importance of choosing the right investment strategies to ensure a stable income. The episode underscores the necessity of personalized financial planning and the role of experienced advisors in securing a comfortable retirement.


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

This week on The Common Sense Investing Show, hosted by Victor McClure and Steve Ringo of McClure Capital Wealth Management, the show addresses the importance of a solution-based approach to retirement planning and discusses Victor’s book, "The Common Sense Investing Guide to Retirement." The hosts emphasize the significance of understanding one's financial goals, maintaining a balanced investment portfolio, and securing consistent income through retirement. They also touch on the stresses of financial management, highlighting how McClure’s team helps clients navigate complex decisions to achieve financial stability.

Throughout the episode, Victor McClure shares insights from his 30-plus years of experience, debunking myths and emphasizing the importance of proper planning and risk management. He discusses common mistakes investors make, such as overestimating their risk tolerance and underestimating the need for diversified income streams. The conversation also transitions to the significance of having a comprehensive financial plan, including the use of tools like the "Family Love Letter" to organize financial information and ease the burden on loved ones. Throughout, the relentless focus remains on preserving wealth and ensuring a secure, comfortable retirement.


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

In the "Common Sense Investing Show," Victor McClure of McClure Capital Wealth Management, joined by Steve Ringo, addresses market volatility and financial planning for retirees. Victor emphasizes the importance of having a structured retirement plan that prioritizes secured income streams over volatile market investments. The discussion underscores that retirees need not worry about daily market fluctuations if their essential expenses are covered by stable, guaranteed income sources such as social security and annuities. Victor and Steve also highlight how emotional reactions can often lead to poor investment decisions, emphasizing the critical role of math-based strategies in financial planning.

The podcast also delves into the potential pitfalls of relying solely on market performance, as even seasoned investors can become anxious during volatile periods. Victor and Steve illustrate how diversifying assets and employing hedging strategies can mitigate risk and protect investments. They advocate for a balanced approach, where a portion of assets is always invested in the stock market to counter inflation, but with adequate protection to minimize losses during downturns. The show wraps up by encouraging listeners to seek professional assistance in stress-testing their portfolios and creating comprehensive, math-based retirement plans to ensure financial security.


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

Victor and his team tackle various subjects crucial to financial planning; they discussed their unique retirement strategies, such as stress testing portfolios and creating comprehensive retirement plans tailored to individual needs. They emphasize the importance of early and methodical financial planning to ensure a secure and comfortable retirement. Additionally, the hosts touch upon the complexities associated with managing multiple retirement accounts, offering practical advice on consolidating and strategically withdrawing from these accounts to minimize tax burdens and optimize financial outcomes.

The conversation took an interesting turn when they addressed personal anecdotes about interacting with teenage daughters, humorously comparing the unpredictable nature of family dynamics to the challenges of financial planning amidst economic uncertainties. Victor and his team segued this light-hearted discussion into a more serious topic, expressing concerns about the national debt and its potential implications for U.S. economic stability. They highlighted the importance of personal financial responsibility and detailed how small adjustments in one's financial planning today can lead to significant improvements in the long run. The episode underscored the importance of financial literacy and proactive management in navigating both personal finances and broader economic challenges.


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

In this episode of the Common Sense Investing Show, Victor McClure and his co-host Steve Ringo dive deep into the complex world of social security and retirement planning. Victor shares invaluable insights garnered from his over 30 years of experience in wealth management, focusing on the optimal timing for collecting social security benefits. The discussion highlights the common dilemma faced by many: balancing the need for a guaranteed income stream against the desire to maximize investments. Victor and his team emphasize the importance of securing a steady income through vehicles like annuities, especially in the current high-interest-rate environment, and explain why having a diversified portfolio is key.

The episode also touches on the psychological aspects of retirement planning, acknowledging the fears and uncertainties that come with the cessation of a regular paycheck. Victor advises listeners on how to ensure their financial security regardless of market volatility or other external factors, advocating for strategies that provide both safety and growth potential. The session marks a critical learning opportunity for anyone looking to secure their financial future, offering practical advice on leveraging social security, optimizing retirement income, and making informed investment decisions.


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