Mindset with Brad Barrett

Not knowing how much money to contribute to retirement seems like a small problem, but has the potential to damage your finances for a lifetime. And you don’t want to be stuck in your retirement years counting pennies and avoiding vacations.

In this episode, I discuss the ‘ripple effect’ of bad financial planning and the small changes you can make for retirement income that lasts a lifetime. 

Show Highlights Include:

• How to plan your perfect retirement with the “Billy Graham Effect”. (1:53)
• How to retire at any age using the ‘rule of thumb’ in retirement planning. (6:42)
• The different contribution rates to recommend at each age (and how to ensure you’re saving enough for retirement each year). (12:54)
• The ‘Fidelity’ strategy for funding your dream retirement (and never running out of cash in your vacation years). (18:17)

To schedule your complimentary retirement track review, head to https://onecapitalmanagement.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.

Everyone has debt, but no one likes to talk about it. And you might feel so overwhelmed by the idea of organizing finances that you ignore them altogether…which makes your stack of bills taller and more unbearable. So where do you begin?

In this episode, I discuss what debt you should pay off first and how these conversations fit into a successful financial strategy that lasts a lifetime (no matter how much you owe).

Show Highlights Include:

• What the “Diderot Effect” does to your wallet and how to avoid trapping yourself in debt instantly. (1:40)
• What the “Good Debt, Bad Debt” model reveals about the debts you pay off first. (4:22)
• Designing your own version of the ‘Snowball Method’ for paying off debt at your own pace. (9:00)
• The three wealth management tools you need to earn more than you spend and avoid debt in the future. (13:49)

To schedule your complimentary retirement track review, head to https://onecapitalmanagement.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.

You might be thinking you don’t have enough money to invest in the stock market. Maybe you believe it’s “not the right time.” But here’s the secret - there’s never a perfect time.

The only way to accumulate the wealth you want and invest in the stocks you want is to start somewhere. And you won’t find the “perfect investment” if you never get your foot in the door.

In this episode, I discuss the six ‘snags’ holding you back from building your perfect portfolio, how to invest with minimal risk, and a strategy that applies to any circumstance.

Show Highlights Include:

• Why the ‘perfect market’ is a myth and how investments grow your money (no matter what the environment looks like). (1:45)
• Why pursuing the ‘Holy Grail’ of stocks sabotages your portfolio (and how you can find the best market deals right now).  (5:25)
• The ‘Monopoly Strategy’ for building a portfolio that maximizes your gains and minimizes your losses (even when the market crashes). (8:55)
• Why stock market procrastination plummets your retirement funds and how you can start investing now (no matter what stage you’re at in life).  (11:53)

To schedule your complimentary retirement track review, head to https://onecapitalmanagement.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.

Having a financial portfolio can grow and protect your wealth for generations to come…but designing one with the least amount of risk is where most people fail. 

Having a portfolio in and of itself is not going to protect your money. Maintaining it through a variety of tools is the only way to safeguard your assets and preserve your finances.

In this episode, I discuss the three tools your portfolio needs for lifelong growth and being protected from risky financial exposures in an uncertain world.

Show Highlights Include:

• Why your portfolio has different expectations than everyone else - and how to determine what plan compliments your lifestyle best. (1:50)
• What Apple reveals about owning stocks and how to grow your portfolio in value (with minimal risk).  (5:46)
• The bonds that produce the most money and where you can take risks for a stress-free retirement right now.   (9:10)
• The five areas of investment that protect your portfolio’s assets the most (in any political or economic environment).  (10:38)

To schedule your complimentary retirement track review, head to https://onecapitalmanagement.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.

There is one thing that can helps you weatherany storm in life - and that’s a financial plan. 

While it’s normal to worry about when things don’t go well (whether it’s a job loss, a pandemic, or both), there are strategies you can use to combat the stresses of finances with rationality rather than emotions. 

In this episode, I discuss why strategizing for tomorrow eases your uncertainty today and the lasting impacts of a financial plan (no matter what happens). 

Show Highlights Include:

• The three ‘Menahem Yaari’ pillars of truth you need to plan your financial future and preserve it during uncertain times. (1:25)
• How to avoid the ‘fear and greed’ cycle of spending money and treating your finances illogically today.  (4:50)
• How to save for emergency funds and pay down debt (without it feeling like a complete burden).  (8:40)
• Why having a financial plan doubles your income and drives the lifestyle you want (even if you don’t your goals yet).  (12:06)

To schedule your complimentary retirement track review, head to https://onecapitalmanagement.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.

A financial advisor isn’t just someone who invests your money and tells you what to do - they offer the experience of advanced planning and absolute trust to keep you on track for the most returns with the least amount of risk. 

And while the Internet is full of ways to “build and manage wealth for retirement,” an advisor who keeps you on track (and there for your best interest) is priceless.

In this episode, I discuss how a financial advisor sets your portfolio up for greater success and the retirement you want (without any limitations). 

Show Highlights Include:

• The ‘Sir Edmund Hillary’ approach to instantly securing your most successful retirement plan (with minimal risk). (1:30)
• Why hanging out on investment blogs harms your portfolio- and how a financial advisor brings peace of mind to your planning instantly.  (4:16)
• What the Vanguard Advisor’s Alpha reveals about your investments - and how to increase the value of your portfolio right now. (8:00)
• Why you shouldn’t plan your own retirement - and the five things a financial advisor offers for your most profitable retirement today. (14:41)

To schedule your complimentary retirement track review, head to https://onecapitalmanagement.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.

Knowing your financial goals and how to reach them are some of the basic concepts for planning a happy and healthy retirement. And while it might not be at the top of your list now, having a financial plan is what sets you up for success later (so that you can live by your standards). 

And if you don’t have any goals or a plan in place, simply ‘hoping’ for a fulfilling retirement won’t get you there. In fact, it works the opposite end.

In this episode, I discuss your most successful financial plan for a stress-free retirement (without penny-pinching or running out too early). 

Show Highlights Include:

• What the ‘Harvard Graduates’ study says about your current financial plan (or what happens if you don’t have one). (0:52)
• Where you fall in the three categories of retirement planning  - and what this instantly reveals about the ‘junk drawer’ of your finances. (5:23)
• Why you need to use the ‘Atomic Patterns’ theory in the conversations you have with financial advisors today. (10:13)
• Why treating finances like your favorite sports team is the only way to live a comfortable retirement. (15:26)

To schedule your complimentary retirement track review, head to https://onecapitalmanagement.com. You can also call us at 805-410-5454 or text the word ‘TRACK’ and we’ll reach out to you.

Make Your Money Matter is a show dedicated to separating myth from truth, so you may avoid the most common mistakes many Americans make with their money and make better financial decisions. 

Your host Brad Barrett, CFP® is a Managing Director and Partner at One Capital Management, a top ranked independent investment advisory firm managing over $2.5 Billion in assets for clients across the country. He has advised individuals and families for over 15 years, is an active member of Kingdom Advisors, a biblically based advisory network and holds the Certified Financial Planner™ designation.