There are many things that we know we’ll have to deal with in retirement, we just don’t know how to predict when or to what degree. How do you construct a plan that deals with the unpredictability of these different factors?

Contact:

Phone Number: 480-513-1830

Website: https://pelletoncapital.com/

0:50 - Webinar

2:21 - Main Topic: Planning For Retirement’s Uncertainties

2:47 - Be Flexible

4:14 - Longevity

5:32 - Interest Rates Going Up

7:18 - Future Tax Rates

10:52 - How Do We Plan For These Items?

12:26 - Social Security

15:37 - Stock Market Returns

17:30 - Inflation

22:27 - Mailbag: Jim Asks About Where He Can Save Money For Retirement

Being a good advisor isn’t about winning a popularity contest or just saying the same things that everyone else in the industry says. It’s about giving the best advice that you can for each individual situation. On today’s show, we’re going to peel back the curtain to discuss some areas where a good financial advisor’s opinions might go against the grain with mainstream ideas in the industry.

Contact:

Phone Number: 480-513-1830

Website: https://pelletoncapital.com/

0:43 - Webinar

2:08 - Main Topic: Against The Grain

4:11 - Appropriate Amount Of Risk

6:00 - Appropriate Use Of Life Insurance

8:09 - How To Handle Debt

9:27 - Paying Off The House

11:11 - Annuities

12:25 - Mutual Funds

14:13 - How Much Cash Should You Have?

16:17 - Mailbag: Carrie Asks If It’s Okay To Use Commissions For Her Retirement Savings

Finding yourself between jobs can be frustrating—whether you were fired, laid off, or just had to step away of your own choosing. But it can also present some opportunities. Let’s discuss some of the challenges and opportunities that you need to consider if you’re between jobs.

Contact:

Phone Number: 480-513-1830

Website: https://pelletoncapital.com/

0:33 - Main Topic: Financial Planning Considerations When You’re In Between Jobs

3:00 - Career Change

4:07 - Self Employment

6:37 - Health Insurance

9:00 - Rolling Over Your 401(k)

10:34 - Severance Package

14:04 - Taxes

16:48 - Mailbag: Rita Asks If She Needs A Financial Advisor

Going through a divorce at any age is difficult, but doing it near or in retirement adds all sorts of additional complications. On this episode, we’ll talk about some of the financial mistakes we see people make in the midst of a divorce.

Contact:

Phone Number: 480-513-1830

Website: https://pelletoncapital.com/

1:41 - Being a certified divorce planner

2:37 - Choosing the house as a safety blanket

5:37 - The tax implications of retirement funds

7:28 - Qualified domestic relations order 

11:11 - Going to a single tax status 

13:56 - Mailbag: Should I load up on stocks?

18:48 - Join us at future webinars!

In some ways, retirement planning was easier for past generations. Let’s explore how a good financial advisor helps people overcome the additional challenges of today. Our parents and grandparents may not have had to face these things, so just relying on the experiences of family members might not be enough to help us achieve our own financial success.

Contact:

Phone Number: 480-513-1830

Website: https://pelletoncapital.com/

1:07 - Main Topic: Retirement Planning Ain’t What It Used To Be

2:00 - Pensions

5:30 - Living Longer

8:54 - Interest Rates

11:49 - Too Much Information

14:45 - Mailbag: Marty Asks When He Should Get Back Into The Market

18:49 - Upcoming Workshops

On this episode, we’ll try to pick sides of some important financial debates. From bonds to life insurance, credit card debt to starting Social Security, we’ll propose several different topics to see which sides of the debates you and your advisor should probably fall on.

Contact:

Phone Number: 480-513-1830

Website: https://pelletoncapital.com/

1:09 - Main Topic: Important Financial Decisions

1:46 - Paying Off The House

6:01 - Life Insurance

8:19 - Deferring Taxes

11:11 - Credit Cards

13:18 - Start Social Security As Soon As Possible

15:56 - Mailbag: Buddy Asks How To Fill Medicare Time Gap

17:49 - Upcoming Workshops

Student loan forgiveness is a hot topic of discussion right now. Many people fear the cost of something like this and the lessons it will teach the younger generation, while others argue the cost of higher education is exorbitant and we need to extend help for those who have a lot of debt. There are both pros and cons to each side that we will be discussing on today's show.

Contact:

Phone Number: 480-513-1830

Website: https://pelletoncapital.com/

2:00 - Main Topic: Potential Student Loan Forgiveness

3;19 - Lessons Learned

7:37 - Boost In GDP

9:12 - Getting A Plan

11:11 - Knee Jerk Reactions

13:48 - Mailbag: Janice Asks About Finding The Right Advisor

17:36 - Workshops & Webinars

Healthcare can be one of the biggest expenses in retirement and it keeps steadily increasing. We will look at some statistics and numbers as it relates to paying for healthcare and how to plan for these costs.

Contact:

Phone Number: 480-513-1830

Website: https://pelletoncapital.com/

2:23 - Main Topic: The Rise Of Healthcare Costs

4:17 - Medicare Premiums

6:10 - Early Retirement

8:06 - Social Security Percentage

9:04 - How To Combat Rising Costs

13:05 - Mailbag: Ross Asks About Tax Implications When Selling An Inherited House

Sure, life insurance is one of the more boring topics to cover on a podcast. And a lot of what you hear is going to warn you why you should NOT get various types of life insurance. But our goal on this episode is to focus on the positive and analyze the reasons why you should get life insurance, or at least consider it. Many people think that once the kids are out of the house, you don’t need insurance anymore. But there are some other reasons why life insurance can be a useful part of your retirement plan.

Contact:

Phone Number: 480-513-1830

Website: https://pelletoncapital.com/

1:32 - Main Topic: Why You Should Consider Life Insurance

2:54 - Income Replacement

4:37 - Tax-Free Income

8:40 - Long Term Care Coverage

10:05 - Second Topic: American Retirement Statistics

10:52 - Retirement Age & Income

11:57 - Life Expectancy

14:12 Long Term Care

18:23 - Mailbag: Catherine Asks For Advice On Investing A Lump Sum Of Money

There are some important terms you’re going to come across as you prepare for retirement. Having a basic understanding of these will help you achieve financial success, so we’ll cover what they mean and what you should know on today’s episode. And don’t worry. We won’t go quite so far down the rabbit hole where we expect you to be able to explain how a company’s P/E ratio meshes with it’s Alpha and Beta ratings to determine how much stock you should buy.

Contact:

Phone Number: 480-513-1830

Website: https://pelletoncapital.com/

1:24 - Main Topic: Financial Jargon

2:00 - Fiduciary

3:50 - Volatility

5:29 - Risk Tolerance

6:27 - Dollar Cost Averaging

8:26 - Asset Allocation

10:22 - Second Topic: Common Housing Questions

10:50 - Does It Make Sense To Pay Off The House?

12:22 - Signing It Over To A Family Member

15:17 - Reverse Mortgage

17:08 - Mailbag: Tracy Asks What To Do If You’re Too Scared To Put A Plan Together