Last Paycheck

This episode on YouTube: https://youtu.be/VBQaA8ObwhU

☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com

🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation

Get their book! Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/

Are you chasing FIRE… or is it chasing you?

CFP Professionals Rob Hoxton and Archie Hoxton break down the reality behind Financial Independence, Retire Early, what it means, where it came from, and how achievable it really is.

They cover the 4% rule, different versions of FIRE like Lean, Fat, Coast, and Barista, and the trade-offs between aggressive saving and actually enjoying life. Along the way, they share honest views on long-term risks such as healthcare and longevity, and on whether early retirement is realistic for most people.

If you're thinking about retiring early or want a clearer plan for financial independence, this episode will help you understand what it really takes—and whether it's right for you.

Visit: http://www.thelastpaycheck.com

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

This episode on YouTube: https://youtu.be/xAsu_xyM3Bk

☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com

🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation

Get their book! Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/

What really matters when it comes to investing?

In this episode of the Last Paycheck Podcast, CFP Professionals Archie Hoxton and Rob Hoxton dive deep into what truly matters when it comes to investing, stripping away the noise and hype that often distracts from sound financial decision-making. Drawing from decades of experience and research, they discuss the importance of asset allocation versus stock picking, the role of fees and when it makes sense to pay them, behavioral coaching, and the myth of get-rich-quick schemes.

Visit: http://www.thelastpaycheck.com

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

This episode on YouTube: https://youtu.be/DKs2SrUF2gY

☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com

🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation

Get their book! Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/

Should you change your investment portfolio when a geopolitical crisis hits… or stay the course?

CFP Professionals Rob and Archie Hoxton break down how markets have historically responded to major geopolitical events and what that means for your retirement plan.

Looking at 13 significant crises since 1973, they explain the typical short-term market reactions, the longer-term outcomes, and why emotional decision-making can be costly for investors. The conversation also covers the importance of diversification, having a clear financial plan, and practical ways to stay disciplined when headlines and volatility create uncertainty.

If market turbulence has you wondering whether to make changes to your portfolio, this episode offers perspective and a framework for staying focused on your long-term retirement goals. Have questions? Drop them in the comments!

Visit: http://www.thelastpaycheck.com

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

This episode on YouTube: https://youtu.be/cirMNEjn9GM

☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com

🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation

Get their book! Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/

Is 65 really the magic retirement number… or is that just a myth?

CFP Professionals Rob and Archie Hoxton break down what actually determines when you can retire and why it has less to do with age and more to do with cash flow.

They unpack the "cash flow puzzle," how to evaluate your income sources, and what it takes to create sustainable income once the paychecks stop. The conversation covers healthcare planning, bridging the gap before Social Security or Medicare begin, and how thoughtful preparation can reduce anxiety and build confidence.

If you're approaching retirement or planning ahead, this episode explains what it really means to retire and stay retired. Have questions? Drop them in the comments!

Visit: http://www.thelastpaycheck.com

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

This episode on YouTube: https://youtu.be/g8qmu0eKQ6Q

☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com

🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation

Get their book! Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/

Are bonds boring… or one of the most important investments you can own?

CFP Professionals Archie Hoxton and Rob Hoxton break down how bonds really work, why credit quality matters, and how the bond market quietly became larger than the stock market.

They cover bond basics, interest rate risk, the role bonds play for retirees and pre-retirees, and how fixed income can provide stability and income when markets get volatile. Along the way, they share examples, including century bonds and the world's oldest bond.

If you're nearing retirement or building a diversified portfolio, this episode explains what you need to know about bonds and how they can support your long-term financial plan. Have questions? Drop them in the comments!

This episode on YouTube: https://youtu.be/RUsJToPMMRE

☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com

🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation

Get their book! Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/

Is the new federal kids savings account a smart way to build long-term wealth?

CFP Professionals Archie Hoxton and Financial Advisor Jimmy Sutch break down the newly proposed federal savings vehicle for children and how it compares to UTMAs, 529 plans, and custodial IRAs.

They cover contribution limits, tax treatment, funding flexibility, and strategies for turning early savings into meaningful retirement assets, including potential Roth conversion opportunities.

If you're looking for practical ways to give a child or grandchild a financial head start, this episode walks through what you need to know. Have questions? Drop them in the comments — we'd love to hear from you.

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it's excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

This episode on YouTube: https://youtu.be/aNNl7zB8R2A

☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com

🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation

Get their book! Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/

Should you de-risk your portfolio—or is that actually riskier?

CFP Professionals Archie Hoxton and Rob Hoxton tackle a question many investors ask during uncertain markets: should I pull back or get out altogether?

They explain why moving entirely to cash can create new risks, such as inflation risk, longevity risk, and missed opportunity, and why emotional decision-making often hurts long-term results. They also discuss why market volatility feels so uncomfortable, and how strategies like bucket planning can help provide structure and confidence.

The episode also features their free Investment Alignment Worksheet, created to help you align your investment strategy with your long-term retirement goals - find it here: https://hoxtonpm.com/worksheets/investment-alignment-worksheet/

Have questions about de-risking, retirement, or navigating volatile markets? Drop them in the comments. We'd love to hear from you!

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it's excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

This episode on YouTube: https://youtu.be/TAt1Ru377Xc

☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com

🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation

Get their book! Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/

Five things to do before you retire!

CFP professionals Rob Hoxton and Archie Hoxton walk through the 5 essential steps you need to take in the final 12 months before your last paycheck. This step-by-step framework helps future retirees avoid costly mistakes and build a retirement plan that actually works in real life.

Rob and Archie also explain how retirement changes your cash flow, why flexibility matters, and how to build a plan that can scale up or down with the market—without panic.

Questions about how to prepare for retirement? Drop them in the comments!

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it's excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

This episode on YouTube: https://youtu.be/UQhWNRKr-gc

Get ready to finally understand the difference between mutual funds and ETFs.

In this episode of the Last Paycheck Podcast, CFP Professionals Archie Hoxton and Rob Hoxton break down one of the most common investing questions they hear: what's the real difference between traditional mutual funds and exchange-traded funds (ETFs)?

They walk through how mutual funds originally opened the door for everyday investors, explain the rise of low-cost index funds, and explore why ETFs have surged in popularity.

They also unpack key concepts like "in-kind" trading, the role taxes play in long-term investment returns, and when an ETF may (or may not) be a better choice than a mutual fund.

Have questions? Drop them in the comments, we'd love to hear from you!

☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com

🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation

Get their book! Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it's excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

This episode on YouTube: https://youtu.be/974T8hcG9U0

In this episode of the Last Paycheck Podcast, CFP Professional Rob Hoxton and financial advisor Jimmy Sutch dive deep into one of the biggest questions in financial planning: Should you work with a big brand or a local independent firm?

Drawing on their personal experiences within both large organizations and independent practices, the hosts break down the advantages and challenges unique to each. They discuss how decision-making, compliance, client focus, and fiduciary responsibilities differ between these environments, shedding light on crucial considerations like conflicts of interest, community accountability, and the evolving landscape of independent advisory firms.

Whether you're just starting to look for a financial advisor or considering switching, this episode offers practical insights rooted in decades of experience. Don't miss this candid conversation designed to help you retire and stay that way with confidence.

☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com

🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation

Get their book! Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell - https://hoxtonpm.com/think-ahead-book/

Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it's excitement, anxiety, or anything in between, this show is for you.

Visit: http://www.thelastpaycheck.com

Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.