Fiscal Therapy

Presented By: Lakeridge Wealth Management

Should you make traditional or Roth contributions to your 401(k)?

On this episode of Fiscal Therapy, host Travis Flandermeyer of Lakeridge Wealth Management talks with financial advisor Shae Saxton about one of the most common retirement-planning decisions: whether to contribute to a traditional pretax 401(k), a Roth 401(k), or a combination of both.

They discuss how each option is taxed, why your current and future tax situation may influence the decision, and how having both pretax and Roth retirement assets may provide greater flexibility later in life.

The conversation also covers target-date funds, required minimum distributions (RMDs), Roth conversions and how tax diversification can play a role in retirement planning.

Whether you are just starting a 401(k), approaching retirement or reviewing your current strategy, this episode offers a practical look at the choices available and some of the factors worth considering.

If you enjoy our podcasts, please like and subscribe, and consider becoming a digital subscriber to the Albuquerque Journal, to help us continue to bring you more content like this. Follow the like below for a discount on a digital subscription.

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#401k #Roth401k #RetirementPlanning #Traditional401k #RothVsTraditional #Investing #FinancialPlanning #RetirementSavings #RothConversion #RMD #TaxPlanning #PersonalFinance #FiscalTherapy #LakeridgeWealthManagement

Presented By: Lakeridge Wealth ManagementHave extra money but aren’t sure what to do with it? On Fiscal Therapy, Travis Flandermeyer of Lakeridge Wealth Management talks with financial advisor Shae Saxton about making thoughtful financial decisions.They discuss building an emergency fund, paying down high-interest debt, maximizing an employer retirement match and considering Roth IRAs, HSAs and brokerage accounts. They also explain why your goals and timeline should guide your strategy—and why consistent investing may be more effective than chasing the next hot stock.If you enjoy our podcasts, please like and subscribe, and consider becoming a digital subscriber to the Albuquerque Journal, to help us continue to bring you more content like this. Follow the like below for a discount on a digital subscription. http://www.abqjournal.com/subscribe/abqpods/To get your digital subscription to the newspaper for $3 per week, normally charged monthly at $12 that’s a savings of $9.Thank you for Supporting The Albuquerque Journal New Mexico's leading local news source!#FiscalTherapy #PersonalFinance #FinancialPlanning #Investing #MoneyManagement #RetirementPlanning #EmergencyFund #DebtFree #RothIRA #LakeridgeWealthManagement

Presented By: Lakeridge Wealth Management

Have extra money but aren’t sure what to do with it? On Fiscal Therapy, Travis Flandermeyer of Lakeridge Wealth Management talks with financial advisor Shae Saxton about making thoughtful financial decisions.

They discuss building an emergency fund, paying down high-interest debt, maximizing an employer retirement match and considering Roth IRAs, HSAs and brokerage accounts. They also explain why your goals and timeline should guide your strategy—and why consistent investing may be more effective than chasing the next hot stock.

If you enjoy our podcasts, please like and subscribe, and consider becoming a digital subscriber to the Albuquerque Journal, to help us continue to bring you more content like this. Follow the like below for a discount on a digital subscription.

http://www.abqjournal.com/subscribe/abqpods/

To get your digital subscription to the newspaper for $3 per week, normally charged monthly at $12 that’s a savings of $9.

Thank you for Supporting The Albuquerque Journal New Mexico's leading local news source!

#FiscalTherapy #PersonalFinance #FinancialPlanning #Investing #MoneyManagement #RetirementPlanning #EmergencyFund #DebtFree #RothIRA #LakeridgeWealthManagement

Presented By: Lakeridge Wealth Management

Is now a good time to buy a home, even with today's interest rates?

On this episode of Fiscal Therapy, host Travis Flandermeyer of Lakeridge Wealth Management sits down with Kristie Kiley, Loan Officer with Guild Mortgage, to answer some of the most common questions homebuyers ask.

Topics include:

• Is now the right time to buy?

• How interest rates affect home prices

• When refinancing makes sense

• 15-year vs. 30-year mortgages

• Adjustable-rate mortgages explained

• The truth about the 20% down payment myth

• Down payment assistance programs

• Mortgage recasting and refinancing options

• Tips for first-time homebuyers

Whether you're purchasing your first home, upgrading, or simply exploring your options, this episode provides practical information to help you make informed financial decisions.

If you enjoy our podcasts, please like and subscribe, and consider becoming a digital subscriber to the Albuquerque Journal, to help us continue to bring you more content like this. Follow the like below for a discount on a digital subscription.

http://www.abqjournal.com/subscribe/abqpods/

To get your digital subscription to the newspaper for $3 per week, normally charged monthly at $12 that’s a savings of $9.

Thank you for Supporting The Albuquerque Journal New Mexico's leading local news source!

#HomeBuying #MortgageRates #FirstTimeHomeBuyer #MortgageTips #Refinance #RealEstate #HomeLoans #InterestRates #PersonalFinance #FinancialPlanning #GuildMortgage #LakeridgeWealthManagement #FiscalTherapy #HomeOwnership #MoneyTalk

Presented By: Lakeridge Wealth Management

Are you saving enough for college? Should parents prioritize education savings or retirement planning? And what happens if you put too much money into a 529 plan?

In this episode of Fiscal Therapy, Travis Flandermeyer of Lakeridge Wealth Management sits down with Connie Lee, CFA, CFP®, to break down one of the most misunderstood education savings tools available today: the 529 plan.

They discuss common misconceptions about 529 plans, state tax advantages, rising college costs, balancing family financial goals, and the emotional pressures many parents feel when planning for their children's future. They also explore what happens when a 529 plan is overfunded, including options such as changing beneficiaries, funding graduate school, paying certain student loans, and Roth IRA rollovers.

Whether you're a parent, grandparent, or future student, this conversation offers practical insights to help you make informed decisions about education funding while staying focused on your long-term financial goals.

If you enjoy our podcasts, please like and subscribe, and consider becoming a digital subscriber to the Albuquerque Journal, to help us continue to bring you more content like this. Follow the like below for a discount on a digital subscription.

http://www.abqjournal.com/subscribe/abqpods/

To get your digital subscription to the newspaper for $3 per week, normally charged monthly at $12 that’s a savings of $9.

Thank you for Supporting The Albuquerque Journal New Mexico's leading local news source!

#529Plan

#CollegeSavings

#CollegePlanning

#EducationSavings

#FinancialPlanning

#RetirementPlanning

#PersonalFinance

#FamilyFinance

#Investing

#WealthManagement

#FinancialAdvisor

#MoneyTips

#TaxPlanning

#CollegeCosts

#FiscalTherapy

Presented By: Lakeridge Wealth Management

What should you do when the market drops? In this episode of Fiscal Therapy, Travis Flandermeyer of Lakeridge Wealth Management sits down with Senior Financial Advisor Phil Messuri, MS, CFP®, to break down how investors can navigate market downturns with confidence.

They discuss why market declines feel so intense, the most common mistakes investors make, and why reacting emotionally can hurt long-term results. The conversation also covers practical strategies like time horizon investing, financial planning, and how to stay disciplined during volatility.

Whether you're investing for the long term or approaching retirement, this episode offers a grounded perspective on handling uncertainty and making thoughtful financial decisions when markets fluctuate.

If you enjoy our podcasts, please like and subscribe, and consider becoming a digital subscriber to the Albuquerque Journal, to help us continue to bring you more content like this. Follow the like below for a discount on a digital subscription.

http://www.abqjournal.com/subscribe/abqpods/

To get your digital subscription to the newspaper for $3 per week, normally charged monthly at $12 that’s a savings of $9.

Thank you for Supporting The Albuquerque Journal New Mexico's leading local news source!

#StockMarket #MarketCrash #InvestingTips #PersonalFinance #FinancialPlanning #WealthManagement #InvestingStrategy #LongTermInvesting #MarketVolatility #MoneyMindset #FinancePodcast #FiscalTherapy #CFP #RetirementPlanning #InvestSmart

Presented By: Lakeridge Wealth ManagementIn the first episode of Fiscal Therapy, host Travis Flandermeyer introduces the idea that financial decisions are often more complex than they appear. Many successful and intelligent people feel they should have their finances fully figured out, especially as they approach retirement or other major life transitions. In reality, the abundance of financial advice available today can sometimes make decisions more confusing.Using a personal story and relatable examples, Travis discusses how information overload—from social media, television, and everyday comparisons—can lead people to focus on the wrong questions. Instead of looking for quick answers about investing or retirement timelines, this episode explores why defining personal goals and asking better questions may be a more useful starting point.Fiscal Therapy aims to create thoughtful conversations around money by bringing in professionals from different fields to discuss topics such as retirement planning, college savings, homeownership, estate planning and business transitions. The goal is to help listeners think more clearly about the financial choices that shape their lives.Episode 1 introduces the concept behind the show and sets the stage for future discussions designed to help people approach financial decisions with greater clarity and perspective.If you enjoy our podcasts, please like and subscribe, and consider becoming a digital subscriber to the Albuquerque Journal, to help us continue to bring you more content like this. Follow the like below for a discount on a digital subscription. http://www.abqjournal.com/subscribe/abqpods/To get your digital subscription to the newspaper for $3 per week, normally charged monthly at $12 that’s a savings of $9.Thank you for Supporting The Albuquerque Journal New Mexico's leading local news source!#FiscalTherapy#MoneyPodcast#PersonalFinance#FinancialPlanning#MoneyMindset#RetirementPlanning#InvestingBasics#FinancialDecisions#MoneyTalk#WealthManagement#FinancialFuture#PodcastEpisode

A lot of successful people feel like they should have their finances figured out… but many don’t talk about it.What’s one financial question you’ve always wanted to ask but never have?Full episode of Fiscal Therapy drops Sunday.#FiscalTherapy#MoneyTalk#FinancialPlanning#MoneyMindset#PersonalFinance#RetirementPlanning#MoneyPodcast#FinancialWisdom#InvestingBasics#FinancialFuture#MoneyDecisions