Dollars With Dennis

Most people meet with their financial advisor once a year, but that meeting can either move your plan forward or waste your time. Dennis breaks down what separates a meaningful review from one that just feels like a presentation. It’s a chance to reset, ask better questions, and actually engage with your plan. The difference comes down to how you show up and what you expect from it.

Here’s some of what we discuss in this episode:

📅 Annual Reviews Matter: One meeting can shape your entire year

⚠️ Bad Reviews: One-sided presentations miss the point

💬 Real Conversations: A good review goes beyond performance

📝 How To Come Prepared: Questions that drive better outcomes

Our website:  https://www.401k.faith

Phone: (513) 898-1897

Contact our team: https://www.faith401kmgmt.com/contact_us/

Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/

Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/

Join one of our upcoming events: https://www.faith401kmgmt.com/events.htm

Check out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/

Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7g

Facebook: https://www.facebook.com/profile.php?id=100063561056644

LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/

X: https://x.com/dennishorr

In honor of National Volunteer Week, this episode takes a different angle on retirement, one that has nothing to do with markets or returns. Retirement isn’t just about stepping away from work, it’s about stepping into something meaningful with the time and freedom you’ve earned. Dennis walks through how giving back can play a powerful role in shaping a more fulfilling next chapter. Because the impact you make doesn’t have to stop when the paycheck does.

Here’s some of what we discuss in this episode:

❤️ Purpose Matters: Retirement needs more than free time

⏰ Give Your Time: Consistent involvement creates structure

🛠️ Use Your Skills: Your experience still has value

💵 Give Efficiently: Be intentional with charitable giving

📅 Plan Ahead: Giving should be part of your strategy

Our website:  https://www.401k.faith

Phone: (513) 898-1897

Contact our team: https://www.faith401kmgmt.com/contact_us/

Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/

Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/

Join one of our upcoming events: https://www.faith401kmgmt.com/events.htm

Check out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/

Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7g

Facebook: https://www.facebook.com/profile.php?id=100063561056644

LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/

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Today we’re talking about what to do when things go right, whether it’s a windfall, a surprise, or an unexpected financial event. Because good fortune without a plan can unravel faster than you'd expect. Dennis covers five situations that might look like pure luck from the outside but shows you exactly what needs to happen next to protect yourself. The people who make the most of good fortune aren't necessarily the luckiest, they're just the most prepared.

Here’s some of what we discuss in this episode:

💸 Winning the Lottery: Initial reactions and planning

🎯 Taxes and Planning: Managing the tax hit after a windfall

🏢 Acquisition Payouts: Handling company acquisition and stock options

🕊️Inheritance Management: Balancing grief, emotion, and smart decisions

🏠 Home Equity: Maximizing home value and managing real estate markets

Our website:  https://www.401k.faith

Phone: (513) 898-1897

Contact our team: https://www.faith401kmgmt.com/contact_us/

Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/

Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/

Join one of our upcoming events: https://www.faith401kmgmt.com/events.htm

Check out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/

Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7g

Facebook: https://www.facebook.com/profile.php?id=100063561056644

LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/

X: https://x.com/dennishorr

For many retirees, the hardest part isn’t saving, it's learning how to spend the money they’ve worked so hard to accumulate. After decades of saving and living on a paycheck, the shift to spending can feel almost unnatural. In this episode, Dennis talks about why this happens, how it affects people’s retirement plans, and the strategies that can help people feel comfortable spending their retirement savings. 

Here’s some of what we discuss in this episode:

💸 Spending in Retirement: Many retirees struggle to spend the money they’ve saved

⚖️ Fear of Running Out: A common fear that prevents retirees from fully enjoying their savings

💰 Paychecks for Life: Transitioning from a regular paycheck to a “paycheck for life” mindset

👨‍👩‍👧‍👦 Family Conversations: Getting family members involved can help ease the transition to spending

📊 Planning is Key: A solid financial plan and annual reviews make spending less stressful

Our website:  https://www.401k.faith

Phone: (513) 898-1897

Contact our team: https://www.faith401kmgmt.com/contact_us/

Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/

Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/

Join one of our upcoming events: https://www.faith401kmgmt.com/events.htm

Check out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/

Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7g

Facebook: https://www.facebook.com/profile.php?id=100063561056644

LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/

X: https://x.com/dennishorr

A listener recently made a career move that looks great on paper, but it raised a real concern: can a retirement strategy actually keep up when income becomes unpredictable? Commission checks, bonuses, and variable pay structures introduce a level of uncertainty that can make saving feel inconsistent or even risky. Dennis shares how retirement savings can still thrive with variable income, but we need to have the right systems are in place.  

Here’s some of what we discuss in this episode:

📉 Variable Income Planning: Irregular pay requires intentional structure

📊 Percentage Contributions: Saving by percentage keeps things consistent

🔥 Discipline Matters: “When the check hits” is not a strategy

💵 Realistic Budget: Knowing your baseline income needs is critical

🤝 Advisor Support: A plan turns unpredictability into progress

Our website:  https://www.401k.faith

Phone: (513) 898-1897

Contact our team: https://www.faith401kmgmt.com/contact_us/

Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/

Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/

Join one of our upcoming events: https://www.faith401kmgmt.com/events.htm

Check out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/

Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7g

Facebook: https://www.facebook.com/profile.php?id=100063561056644

LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/

X: https://x.com/dennishorr

Get your customized planning started today by connecting with Dennis 👉 https://www.faith401kmgmt.com/contact_us/

The closer you get to retirement, the more complicated decisions about life insurance become. Dennis walks through the key differences between each type of coverage and explains how your needs shift as you move through your 50s and beyond. The real question isn’t which policy is “best,” it’s what role life insurance should play in your plan today. And for many people, that answer changes as retirement gets closer. 

Here’s some of what we discuss in this episode:

🛡️ Coverage Types: What term, whole, and universal really do

📅 In Your 50s: Why this decision gets harder

💰 Whole Life: Why it’s loved—and criticized

🔄 Flexibility Tradeoffs: When options help or hurt

🏛️ Estate Role: How insurance fits into your plan

Our website:  https://www.401k.faith

Phone: (513) 898-1897

Contact our team: https://www.faith401kmgmt.com/contact_us/

Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/

Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/

Join one of our upcoming events: https://www.faith401kmgmt.com/events.htm

Check out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/

Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7g

Facebook: https://www.facebook.com/profile.php?id=100063561056644

LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/

X: https://x.com/dennishorr

AI is everywhere and for many people approaching retirement, it’s raising some serious questions. Today, Dennis goes through the top AI-related Google searches from people in their 50s and 60s and sharing his input. The search bar doesn't lie. People are nervous, curious, and trying to figure out what AI means for the life they've spent decades building. Most of the answers are less dramatic than the questions suggest. But the questions themselves are worth asking with someone who knows your whole picture.

Here’s some of what we discuss in this episode:

📊 AI In Your Portfolio: You may have more exposure than you think

⏳ Early Retirement Decisions: Fear shouldn’t drive timing

🧠 AI Planning Tools: Helpful, but not a full replacement

🚀 New Opportunities: AI may create more than it eliminates

🧭 Plan Over Panic: Strategy beats speculation

Our website:  https://www.401k.faith

Phone: (513) 898-1897

Contact our team: https://www.faith401kmgmt.com/contact_us/

Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/

Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/

Join one of our upcoming events: https://www.faith401kmgmt.com/events.htm

Check out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/

Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7g

Facebook: https://www.facebook.com/profile.php?id=100063561056644

LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/

X: https://x.com/dennishorr

Get your customized planning started today by connecting with Dennis 👉 https://www.faith401kmgmt.com/contact_us/

AI headlines are everywhere right now: “jobs disappearing,” “work becoming optional,” and predictions that artificial intelligence will reshape the entire economy. Dennis steps back from emotional headlines and looks at what the actual data suggests about AI and the workforce. The real question isn’t whether AI will change the future, it’s whether your retirement plan is flexible enough to handle uncertainty if your timeline shifts.

Here’s some of what we discuss in this episode:

🤖 AI & Retirement: Headlines are fueling fears about job security

📊 Market Uncertainty: AI is creating questions about future careers

📈 What the Data Shows: Job evolution may outweigh job loss

🧭 Flexible Planning: Retirement plans should adapt to change

✅ Preparation Matters: Planning ahead reduces uncertainty

Our website:  https://www.401k.faith

Phone: (513) 898-1897

Contact our team: https://www.faith401kmgmt.com/contact_us/

Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/

Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/

Join one of our upcoming events: https://www.faith401kmgmt.com/events.htm

Check out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/

Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7g

Facebook: https://www.facebook.com/profile.php?id=100063561056644

LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/

X: https://x.com/dennishorr

Get your customized planning started today by connecting with Dennis 👉 https://www.faith401kmgmt.com/contact_us/

For many business owners, retirement isn’t sitting in a 401(k), it’s tied up in the company itself. The big question is whether one sale can truly fund decades of living expenses. Dennis unpacks what “enough” really means and why relying on a single liquidity event can create unexpected pressure. If you’re building toward an exit, this is a conversation you want to have before the deal closes. 

Here’s some of what we discuss in this episode:

💵 Million-Dollar Reality – Inflation and net proceeds matter

📊 Defining Enough – Income needs and longevity planning

⚖️ Risk Balance – Investing a sudden lump sum

🤝 Sale Hurdles – Buyers, timing, and mindset shifts

📅 Start Early – Build a strategy before exit

Our website:  https://www.401k.faith

Phone: (513) 898-1897

Contact our team: https://www.faith401kmgmt.com/contact_us/

Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/

Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/

Join one of our upcoming events: https://www.faith401kmgmt.com/events.htm

Check out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/

Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7g

Facebook: https://www.facebook.com/profile.php?id=100063561056644

LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/

X: https://x.com/dennishorr

Get your customized planning started today by connecting with Dennis 👉 https://www.faith401kmgmt.com/contact_us/

Some people enjoy thunderstorms, while others start boarding up windows at the first dark cloud. Investing works the same way. Dennis explores how personality, emotions, and long-term goals shape financial decisions, especially when markets feel uncertain. If your strategy only works when everything is perfect, it’s not really a plan, and Dennis shares how to think more clearly about building one that’s built for all seasons.

Here’s some of what we discuss in this episode:

📱 Forecast vs Reality: Predictions don’t control what actually happens

📈 Sunny Markets: Long up cycles can hide risk exposure

🧥 Right Gear Matters: Allocation must match personal comfort

🌩️ Downturn Preparation: Corrections are part of the journey

🌎 Outside Forces: Inflation, taxes, and global events influence returns

🛡️ All-Weather Plan: Written strategy keeps emotions in check

Our website:  https://www.401k.faith

Phone: (513) 898-1897

Contact our team: https://www.faith401kmgmt.com/contact_us/

Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/

Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/

Join one of our upcoming events: https://www.faith401kmgmt.com/events.htm

Check out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/

Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7g

Facebook: https://www.facebook.com/profile.php?id=100063561056644

LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/

X: https://x.com/dennishorr