Dollars With Dennis

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

The smartest retirees all have one thing in common… they know how to ask better questions. In this episode, Dennis breaks down how the wording, focus, and intent behind your questions can completely change the quality of your retirement decisions. We reveal the usual questions people ask and better ways to ask that lead to better results.

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

💵 Income Needs First: focusing on what you truly need to support your lifestyle

📈 Returns vs. Risk: understanding why maximizing returns isn’t the real goal

💬 Value Over Cost: finding meaningful advice—not just the lowest fee

⏳Smarter Social Security Choices: matching claiming strategies to 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

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

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

How do you know when a financial advisor just isn’t the right fit? In this episode, we break down five of the biggest red flags people overlook when choosing or evaluating an advisor. Dennis explains why advisor stability matters, the dangers of “one-size-fits-all” planning, and how a lack of information gathering can derail your financial progress. We also talk through fee transparency- why you should know exactly what you’re paying- and the risks of working with anyone who overpromises results or claims they can “beat the market.”

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

• Long, unstable job history = potential red flag 
• Why “one size fits all” plans don’t work 
• Advisors should ask LOTS of questions
• Understanding what you’re paying
• Beware of overpromised returns or “market beating” claims

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

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

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

Getting married later in life means you’re combining lives but not necessarily combining finances. How do you build a retirement plan together when you’ve both already built your own?  Dennis answers a listener’s question about navigating financial and emotional security in later-life marriages. Financial independence and emotional connection aren’t opposites, you can keep your accounts separate, but your retirement plan should still be built together. 

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

💵 Retirement Planning: coordinating goals with independent assets

🎯 Shared Goals: transparency and communication as the foundation

🏛️ Estate Planning: protecting children and each other

📈 Comprehensive Advice: how a neutral financial planner can unify the 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

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Giving Tuesday (Dec 2, 2025) and year-end donations are right around the corner. But before you hit that “donate” button, let’s talk about how to give with both your heart and your head, because generosity feels even better when it’s part of a plan. Dennis breaks down the “why, when, how much, and what” of charitable giving and how to make your generosity meaningful, strategic, and tax-efficient.

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

 💖 Know Your Why: aligning your giving with what matters most

📅 Timing Matters: planning donations for impact and tax benefit

💸 How Much to Give: budgeting generosity with financial wisdom

💡 Creative Strategies: RMD gifts, appreciated stock, and tax-efficient giving

🧾 Pro-Level Help: partnering with CPAs for smarter charitable planning

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/

Is having more than one financial advisor a smart move or a recipe for confusion? Today, Dennis breaks down the motivations behind splitting assets between multiple experts and highlights the common pitfalls of this approach. You’ll also hear about why consolidating with one trusted advisor may often lead to better planning and peace of mind. Curious if your strategy to have multiple advisors is helping or hurting your wealth? Tune in to find out!

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

💬 Two-Advisor Debate: exploring whether more advice really means better outcomes

💸 Why People Split Accounts: fear, diversification myths, or habit

⚖️ Problems with Multiple Advisors: conflicting advice and tax inefficiencies

🔄 Consolidation Tips: how to simplify and align your financial strategy

🧭 First Meetings Matter: the value of interviewing and finding the right fit

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/

Fidelity just released their 2025 Retiree Health Care Cost Estimate, and the number is staggering: $172,500 for a 65-year-old retiring today. The bigger problem? One in five Americans haven’t even thought about health care costs in retirement. Dennis breaks down what this means, why it matters, and how to prepare before medical costs derail your plan. Health care is one of retirement’s biggest wildcards, but with the right strategy, you can make it just another budget item, not a financial shock.

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

🩺 Medicare Gaps: why coverage doesn’t mean complete protection

🚫 Common Blind Spot: 1 in 5 Americans haven’t planned for health care

🧓 Gen X Reality Check: younger retirees may face even higher costs

💰 HSA Advantage: triple tax-free growth for medical expenses

🗓️ Start Early: the earlier you plan, the more flexibility you gain

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/

According to recent surveys, the emotional and financial burden of paying for college often exceeds expectations. In this episode, Dennis unpacks the tough trade-offs parents face when trying to help their kids through school without sacrificing their own future. College is a huge investment, but so is retirement. The key is finding the balance between supporting them and still securing your own freedom down the road.

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

💡 Start early – Build college savings from birth and involve grandparents when possible.

💰 Smarter tools – 529 plans and Roth IRAs offer flexibility under new SECURE Act 2.0 rules.

🧑‍🔧 Alternative paths – Dual-credit and skilled trade programs can lower costs and increase opportunity.

⏳ Retirement first – If paying for college delays your retirement by five years, it’s too expensive.

Citizens Financial Group’s 2024 College Planning Study: https://investor.citizensbank.com/about-us/newsroom/latest-news/2025/2025-06-24.aspx 

Sallie Mae’s “How America Pays for College” Report: https://www.salliemae.com/about/leading-research/how-america-pays-for-college/ 

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

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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/

After years of being overlooked, bonds are back in the spotlight, and investors want to know if now’s the time to buy. Dennis breaks down how bonds really work, what’s driving today’s yields, and why they might deserve a bigger role in your portfolio. Bonds can provide income, balance, and peace of mind but they’re not one-size-fits-all. Before you ‘go all in,’ make sure the mix fits your long-term plan.

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

💵 Bonds Are Back? Why investors are paying attention again

⚖️ Balancing Risk: Using bonds to steady your portfolio

🕰️ Timing Matters: How age and goals shape your bond mix

💬 Expert Insights: What major firms are predicting for bonds in 2025

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/

According to recent surveys, the emotional and financial burden of paying for college often exceeds expectations. In this episode, Dennis unpacks the tough trade-offs parents face when trying to help their kids through school without sacrificing their own future. He also shares practical strategies for planning ahead, reducing the burden, and finding a healthier balance between funding college and securing retirement.

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

0:00 – Intro 

1:16 – Planning Ahead (or Not)

2:40 – College vs. Other Debts

4:28 – Talking About It

6:56 – The Ripple Effect on Retirement

8:55 – Strategies 

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/

Well, you’re retired. Now what? Some people subscribe to the “first year rule,” which says that the majority of your best retirement months will take place in the first year. So how can you be strategic during that time and set the tone in the right way, both emotionally and financially? In this episode, Dennis breaks down five must-dos that help new retirees launch with confidence. 

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

💰 Create an income plan and know where your money is coming from

🧳 Budget for travel so you can enjoy your go-go years without overspending

🏃 Prioritize health and build routines that keep you active and engaged

🔄 Test-drive lifestyle changes before fully committing

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