License To Spend

Your retirement age can impact the cost and benefits gained during your retirement.

In this episode, Tim Whisler reveals the flow of retirement as you age, from high to low spending. Tim discusses the risks you should consider when planning retirement and how a delay in retirement could grant you huge financial benefits.

Tim discusses:

Connect with Tim: 

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, an SEC Registered Investment Advisor. Sub advisory services are provided by Advisory Alpha, LLC, an SEC Registered Investment Advisor. Insurance, consulting, and education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth, LLC, and Advisory Alpha, LLC.

Have you ever felt you were living paycheck to paycheck, or felt stressed when talking to a financial advisor about your financial situation?

Did you know that these reactions have a scientific explanation?

In this episode, Tim Whisler is joined by Maggie Klokkenga, CPA, CFP®, financial coach at Make A Money MindShift, LLC. Maggie shares her journey from financial planning to financial coaching and the fascinating psychology behind our understanding and relationship with money.

Maggie discusses:

Connect with Tim: 

Connect with Maggie Klokkenga

About our Guest: 

Maggie Klokkenga is a CERTIFIED FINANCIAL PLANNER professional and CPA and has worked in the financial industry for almost 25 years. In that time, she’s worked with couples to help them make their money work for them. She’s studying for the Accredited Financial Counselor (AFC) designation because she knows how emotional talking about money can be. Maggie seeks out and continues to receive training that best helps clients use their money to reach their financial goals.

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, an SEC Registered Investment Advisor. Sub advisory services are provided by Advisory Alpha, LLC, an SEC Registered Investment Advisor. Insurance, consulting, and education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth, LLC, and Advisory Alpha, LLC.

When you hear the word legacy, what comes to mind? What do you want your legacy to be? The legacy you leave behind can begin with a simple donation.

In this episode, Tim Whisler is joined by Phil Newton, founder and partner of Perennial Partners. Phil shares how charitable gifting can be beneficial for your retirement planning and your financial legacy.

Phil and Tim discuss:

Connect with Tim:

Connect with Phil:

About Our Guest:

From 1993 to 2014, Phil Newton has worked in administration at four Peoria and Bloomington IL charities, including 12 years as Executive Director at South Side Mission.  In his time there, he helped grow the organization’s budget 250% during recessionary times, without any government funding.  Also in that time, he helped the organization eliminate debt and amass a year-end cash on hand equal to one fifth of its annual budget with the use of wills, trusts & life insurance giving.  In his time at South Side Mission, Phil also completed two Five Year Strategic Plans and developed a strong Board of Directors/staff/volunteers partnership in fundraising.  During his time there in 2008, South Side Mission was named one of the Top 10 Grassroots Ministries in America (Samaritan Award) by World Magazine and the Acton Institute of Grand Rapids, MI.

He has enjoyed success in all aspects of fundraising; from planned giving and major gifts to grantsmanship, annual giving, and even charity business development.  He is adept at “thinking outside the box” to help organizations develop and maximize revenue.  His marketing and public relations background has served well the organizations for whom he has worked as each of them have raised their profile and developed vibrant niches under his direction.

Phil is a graduate of Auburn University with a Master of Arts in Communication with a Public Relations emphasis.  While at Auburn, he had a paper accepted for the annual SCA convention.   His Bachelor’s degree is also in Communication, from Eastern Illinois University, where he was a part of their collegiate speech team, earning national qualifier status in 1992.

Beginning Perennial Partners in 2014, Phil has worked with more than 50 nonprofits and small businesses.  Budget sizes range from $3,000 annual all the way up to $24 million.

Phil lives in Peoria with his wife, and five children.  In 2012, he authored Homeschoolers, Hippies & Heirloom Tomatoes which is available on Amazon.  In his spare time, he loves supporting his children’s activities, the great outdoors, and playing guitar.

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, an SEC Registered Investment Advisor. Sub advisory services are provided by Advisory Alpha, LLC, an SEC Registered Investment Advisor. Insurance, consulting, and education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth, LLC, and Advisory Alpha, LLC.

With many working from home due to COVID, how can you maintain a healthy lifestyle while working in a less ergonomic environment?

In this episode, Tim Whisler is joined by Pauline Pearson, a licensed massage therapist dedicated to helping others achieve their healthiest selves. She reveals what you can do while working from home to achieve a healthier lifestyle and the importance of relaxing and recharging yourself physically and mentally.

Tim and Pauline discuss:

Connect with Tim: 

Connect with Pauline:

About Pauline:

Pauline is a dedicated and licensed massage therapist located in Morton, IL. With a passion for relaxation and healing, Pauline has spent years learning and honing her skills to help you become the healthiest version of yourself.

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, an SEC Registered Investment Advisor. Sub advisory services are provided by Advisory Alpha, LLC, an SEC Registered Investment Advisor. Insurance, consulting, and education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth, LLC, and Advisory Alpha, LLC.

What is your magic number to create the retirement you dream about? Do you know how much you truly need to have saved to live your dream retirement?

In this episode, Tim Whisler shares his process for helping clients create a retirement plan around their personal retirement number. Tim discusses the important questions you should be asking yourself and how the answers could benefit your retirement plan.

Tim discusses:

Connect with Tim: 

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, an SEC Registered Investment Advisor. Sub advisory services are provided by Advisory Alpha, LLC, an SEC Registered Investment Advisor. Insurance, consulting, and education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth, LLC, and Advisory Alpha, LLC.

How much are you paying in fees and taxes on your retirement plan? Do you know how much less you could be paying when you learn about other retirement accounts?

In part two of this two-part series, Tim Whisler reveals the last five mistakes that could jeopardize your retirement. He discusses how fees and taxes could impact your retirement planning, along with the different types of accounts that could benefit you in your retirement.

You will learn:

Resources: Tim Whisler | The Whisler Agency: (309) 291-0491

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, an SEC Registered Investment Advisor. Sub advisory services are provided by Advisory Alpha, LLC, an SEC Registered Investment Advisor. Insurance, consulting, and education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth, LLC, and Advisory Alpha, LLC.

You don’t have to be a professional financial advisor to understand the basics of planning.

In part one of this two-part series, Tim Whisler dives into five of the most common mistakes 401(k) and IRA owners make. Tim helps you discover the taxes you are paying but shouldn’t be, and shares ways you could save even more.

You will learn:

Listen now as Tim Whisler reveals the taxes you could avoid when planning your retirement!

Resources: Tim Whisler | The Whisler Agency: (309) 291-0491

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, an SEC Registered Investment Advisor. Sub advisory services are provided by Advisory Alpha, LLC, an SEC Registered Investment Advisor. Insurance, consulting, and education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth, LLC, and Advisory Alpha, LLC.

In the digital age, hackers are expected. How can you ensure that you are protected online?

In this episode, Tim Whisler is joined by Kirk Hasty, senior client solution architect at VMware Carbon Black, to discuss cyber security and the threat of online attackers. Tim and Kirk share steps you can take to keep your information safe and secure.

You will learn:

Discover how you could be targeted online and ways to protect your digital identity with Kirk Hasty!

Resources:

Tim Whisler | The Whisler Agency: (309) 291-0491 | VMware Carbon Black | Kirk Hasty | Have I Been Pwned | Last Pass | 1 Password | Kee Pass | Nord VPN | Privacy | Qustodio | Net Nanny

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, an SEC Registered Investment Advisor. Sub advisory services are provided by Advisory Alpha, LLC, an SEC Registered Investment Advisor. Insurance, consulting, and education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth, LLC, and Advisory Alpha, LLC.

Considering the stimulus spending rates, debt issues, GDP ratios, and market factors—is the economy truly on a sugar rush? 

In this episode, Tim Whisler explains what’s going on in the market now with all the big changes that have happened recently, and how you can potentially benefit from them!

You will learn:

Tune in and discover exactly how to make the most out of these existing components in today’s economy! 

Resources:  Episode 2: Zero Is The Hero   | Tim Whisler | The Whisler Agency: (309) 291-0491 | US Debt Clock | Stress-Free Retirement

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, an SEC Registered Investment Advisor. Sub advisory services are provided by Advisory Alpha, LLC, an SEC Registered Investment Advisor. Insurance, consulting, and education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth, LLC, and Advisory Alpha, LLC.

A 401(k) retirement plan offered by your employer can be a great savings tool, as long as you take advantage of it, and manage it correctly.

However, 401(k) questions surrounding employment, retirement, taxes, and the IRS arise all the time, and to clarify potential doubts, Tim Whisler reviews them all to explain the different 401(k) uses, whether you are moving on to new opportunities or simply retiring. 

In this episode, you will learn:

Tune in to find out how to efficiently handle and make use of your 401(k) retirement plan! 

Resources: Tim Whisler | The Whisler Agency: (309) 291-0491 

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, an SEC Registered Investment Advisor. Sub advisory services are provided by Advisory Alpha, LLC, an SEC Registered Investment Advisor. Insurance, consulting, and education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth, LLC, and Advisory Alpha, LLC.