Retire Early, is this the year you take the leap? Plus, 6 Market Pros on the Biggest Risks for 2025. 1.2.25 Retirement Planning Coffee Talk

A guide to help you retire early in 2026 or in the near future, with a month-to-month checklist of achievable goals.

Keep an eye on sticky inflation, stretched valuations, and an uncertain policy landscape.

Weekly Retirement Planning Coffee Talks are a casual way for me to connect and answer questions—even if you’re not a client—at no cost. Join us on Facebook Live or stop by my office to enjoy free coffee. If you’d rather not ask questions online or in person during the live session, feel free to message me directly. Or simply enjoy your coffee at my office, and we can chat once the live video wraps up.

There’s no pressure to work with me or become a client, whether you join in person or online.

My mission is to provide my clients with the highest quality advice and service. To maintain this level of care, I limit my practice to 100 active clients at a time, as I have a fiduciary responsibility to each of them. While I cap the number of clients I work with, I’m dedicated to serving as many people as possible by sharing valuable information and answering your questions. That’s why these Coffee Talks mean so much to me.

Link to full Spotify Podcast: https://creators.spotify.com/pod/show/drew-erickson7/episodes/Retire-Early--is-this-the-year-you-take-the-leap--Plus--6-Market-Pros-on-the-Biggest-Risks-for-2025--1-2-25-Retirement-Planning-Coffee-Talk-e2t049b

Here’s the link to schedule a call with me if you want to ask questions privately: https://outlook.office365.com/owa/calendar/[email protected]/bookings/s/ytXDEtRh0E-29mrENW6_Uw2

Disclaimer: This content is not legal, tax, or investment advice. Always consult a qualified professional regarding your own situation. And since this was a live session, I may occasionally make a mistake.

Articles referenced, https://www.kiplinger.com/retirement/retire-early-this-year-is-this-the-year-you-take-the-leap

https://www.morningstar.com/markets/6-market-pros-biggest-risks-2025?utm_source=eloqua&utm_medium=email&utm_campaign=AdvisorDigest&utm_content=None_60118&utm_id=31029

#RetirementPlanning #MoneyNotMath #EmptyNesters #5StoneFinancialGroup #Investing #Money #FinancialEducation #Retirement #Coffee

A guide to help you retire early in 2026 or in the near future, with a month-to-month checklist of achievable goals.

Keep an eye on sticky inflation, stretched valuations, and an uncertain policy landscape.

Weekly Retirement Planning Coffee Talks are a casual way for me to connect and answer questions—even if you’re not a client—at no cost. Join us on Facebook Live or stop by my office to enjoy free coffee. If you’d rather not ask questions online or in person during the live session, feel free to message me directly. Or simply enjoy your coffee at my office, and we can chat once the live video wraps up.

There’s no pressure to work with me or become a client, whether you join in person or online.

My mission is to provide my clients with the highest quality advice and service. To maintain this level of care, I limit my practice to 100 active clients at a time, as I have a fiduciary responsibility to each of them. While I cap the number of clients I work with, I’m dedicated to serving as many people as possible by sharing valuable information and answering your questions. That’s why these Coffee Talks mean so much to me.

Here’s the link to schedule a call with me if you want to ask questions privately: https://outlook.office365.com/owa/calendar/[email protected]/bookings/s/ytXDEtRh0E-29mrENW6_Uw2

Disclaimer: This content is not legal, tax, or investment advice. Always consult a qualified professional regarding your own situation. And since this was a live session, I may occasionally make a mistake.

Articles referenced, https://www.kiplinger.com/retirement/retire-early-this-year-is-this-the-year-you-take-the-leap

https://www.morningstar.com/markets/6-market-pros-biggest-risks-2025?utm_source=eloqua&utm_medium=email&utm_campaign=AdvisorDigest&utm_content=None_60118&utm_id=31029

#RetirementPlanning #MoneyNotMath #EmptyNesters #5StoneFinancialGroup #Investing #Money #FinancialEducation #Retirement #Coffee

How to Avoid Letting Unforeseen Events (Black Swans) Ruin Your Retirement. Money Not Math 155

“When it comes to investing, a big obstacle many people face is the fear of catastrophe.”

“The fact that winners can gain more than losers can lose is one of the many reasons I’m so optimistic about investing in public markets.”

“Staying disciplined is one of the keys to capturing the market’s long-term returns. Over the past century, the stock market has returned on average about 10% a year, which makes sense when you consider the asymmetric nature of stock returns.1 Remember that while a stock can only fall to zero, losing 100% of its value, successful companies have the potential for gains far exceeding 100%.”

Article referenced, https://www.dimensional.com/us-en/insights/how-to-avoid-black-swans

Disclaimer, this content is not legal, tax, or investment advice. You should always consult a qualified professional regarding your personal situation.

#MontyNotMath #RetirementPlanning #Retirement #investing #money #BlackSwan #discipline

Financial advice can add up to 5.1% to portfolio returns over the long term. 11/21/24 Retirement Planning Coffee Talk

That could make up to or more than a $7m difference!

Election Results Shouldn’t Dictate Your Investments

Yes, RMDs Can Improve Your Portfolio

Weekly Retirement Planning Coffee Talks are a casual way for me to connect and answer questions—even if you’re not a client—at no cost. Join us on Facebook Live or stop by my office to enjoy free coffee. If you’d rather not ask questions online or in person during the live session, feel free to message me directly. Or simply enjoy your coffee at my office, and we can chat once the live video wraps up.

There’s no pressure to work with me or become a client, whether you join in person or online.

My mission is to provide my clients with the highest quality advice and service. To maintain this level of care, I limit my practice to 100 active clients at a time, as I have a fiduciary responsibility to each of them. While I cap the number of clients I work with, I’m dedicated to serving as many people as possible by sharing valuable information and answering your questions. That’s why these Coffee Talks mean so much to me.

Disclaimer: This content is not legal, tax, or investment advice. Always consult a qualified professional regarding your own situation. And since this is a live session, I may occasionally make a mistake.

#RetirementPlanning #MoneyNotMath #EmptyNesters #5StoneFinancialGroup #Investing #Money #FinancialEducation #Retirement #Coffee

Articles Referenced: https://www.fidelity.com/viewpoints/investing-ideas/financial-advisor-cost

https://www.dimensional.com/us-en/insights/election-results-shouldnt-dictate-your-investments

https://www.morningstar.com/personal-finance/yes-rmds-can-improve-your-portfolio?utm_source=eloqua&utm_medium=email&utm_campaign&utm_content=_59171&utm_id=30343

How the 2024 Election

Stocks, Dollar, Bitcoin

2025 Social Security

Investors Tend to Win No

Probability of Positive

Weekly Retirement

There’s no pressure to work with me or

My mission is to provide my clients

Disclaimer: This content is not legal, tax, or investment advice.

Article’s referenced, How

Stocks,

2025

Investors

Probability of Positive Returns PDF I

#RetirementPlanning #MoneyNotMath

“Why Many Americans Aren’t Prepared for Retirement” and “What Investors Told Us They Want From Advisors” were Morningstar articles also discussed.

What are you looking for in an advisor?

Do you think who wins the election will impact the stock market?

What other questions or thoughts do you have from these three articles?

Weekly Retirement Planning Coffee Talks are an informal way for me to have conversations and answer questions with people even if they are not my clients for free. You are welcome to join this Facebook live or stop by my office for free coffee.

There is no pressure to work with me or become my client by stopping by in person or online.

It is my mission to provide the highest quality advice and service possible to my clients. Therefore, I limit myself to only having 100 or less active clients at all times that I have a fiduciary responsibility to. Even though I limit myself to only working with 100 clients at any given time. It is still important to me to provide as much value as I can to as many good people as possible. Which is why these conversations are so important to me.

Disclaimer, this content is not legal, tax, or investment advice. You should always consult a qualified professional regarding your personal situation. And this is live so I may make a mistake from time to time.

#MoneyNotMath #RetirementPlanning #EmptyNesters #5StoneFinancialGroup #investing #money #FinancialEducation #Retirement #coffee

Links to the three articles referenced, https://www.morningstar.com/financial-advisors/what-investors-told-us-they-want-advisors?utm_source=eloqua&utm_medium=email&utm_campaign&utm_content=_58908&utm_id=30113

https://www.morningstar.com/markets/markets-brief-dont-gamble-2024-election-outcome?utm_source=eloqua&utm_medium=email&utm_campaign&utm_content=_58907&utm_id=30112

https://www.morningstar.com/columns/rekenthaler-report/american-retirement-preparedness-is-improving-its-still-not-good-enough?utm_source=eloqua&utm_medium=email&utm_campaign&utm_content=_58572&utm_id=29904

The True Tax Benefit of IRAs and 401(k)s plus how they stack up against taxable and after-tax accounts. Money Not Math 154.

Where should you be investing your money?

Tax-deferred (Traditional IRAs/401(k)s, taxable, or after-tax (Roth IRAs/401(k)s)?

This article and visual will hopefully help you answer that question. Please let me know if you have follow-up questions or thoughts plus future money not math or retirement planning topic requests.

Article referenced, https://www.morningstar.com/columns/rekenthaler-report/whats-tax-benefit-owning-traditional-ira-or-401k-account?utm_source=eloqua&utm_medium=email&utm_campaign&utm_content=_58805&utm_id=30039

Disclaimer, this content is not legal, tax, or investment advice. You should always consult a qualified professional regarding your personal situation.

#MoneyNotMath #RetirementPlanning #Investing #401k #IRA #Roth #Taxes #Retirement #EmptyNesters #money

Why Stocks are Hitting Record Highs,

“Still, without action by Congress,

Weekly Retirement Planning Coffee

There is no pressure to work with me

It is my mission to provide the

Disclaimer, this content is not legal, tax, or

I

#MoneyNotMath #RetirementPlanning #EmptyNesters

The True Cost of a Financial Advisor Revealed, The Financial Risks of Social Media, and Take it from Warren Buffett: Misses Are Inevitable. 6/6/24 Retirement Planning Coffee Talk

Would it be worth paying 1% of your assets under management to receive 1.5%-4% higher account growth over an extended period of time? Potentially going from ~$1.3M to ~$2m or ~$1.3M to ~$4m?

What's the "hottest" financial tip or "trade secret" you've seen on social media recently?

Save more than you spend.

Diversify across asset classes.

Invest regularly (even during bear markets and corrections).

Be mindful of costs.

Don’t panic during selloffs.

Weekly Retirement Planning Coffee Talks are an informal way for me to have conversations and answer questions with people even if they are not my clients for free. You are welcome to join the Facebook live or stop by my office for free coffee.

There is no pressure to work with me or become my client by stopping by in person or online.

It is my mission to provide the highest quality advice and service possible to my clients. Therefore, I limit myself to only having 100 or less active clients at all times that I have a fiduciary responsibility to. Even though I limit myself to only working with 100 clients at any given time. It is still important to me to provide as much value as I can to as many good people as possible. Which is why these conversations are so important to me.

Disclaimer, this content is not legal, tax, or investment advice. You should always consult a qualified professional regarding your personal situation. And this is live so I may make a mistake from time to time.

#MoneyNotMath #RetirementPlanning #EmptyNesters #5StoneFinancialGroup #investing #money #FinancialEducation #Retirement #coffee

Articles referenced: https://articles.smartasset.com/financial-advisor-true-cost/ux/index.html?utm_source=googlediscovery&utm_campaign=dis__falc_content_truecost&utm_content=134512371305_655524434362&utm_term=Beth&gclid=CjwKCAjw88yxBhBWEiwA7cm6pcE4wznNL4yV8oQYApmhkYDPEKInob7v27Myw23jFWjLpGKI0QkfDRoCPY4QAvD_BwE https://www.morningstar.com/financial-advisors/take-it-warren-buffett-misses-are-inevitable

Please email me ad [email protected] if you would like to be added to our newsletter.

Dad jokes, the financial media, and the countdown to your retirement. 5/8/24 Retirement Planning Coffee Talk with Ross Welte and Dexter.

Check out this video for some real client retirement stories regarding their emotions and financial outcomes!

Why is the news so negative? Can anyone explain this FPS situation? Emotions are the detriment to long-term planning. Don’t use words! Should we get out of the market? What happens if you get out at the wrong time? The Death of Equities. The value of being independent and being open to your options. Are you getting the most out of your money? Don’t be romantic about how you made your money. The emotions you feel before, during and after retirement. The top 5 Retirement Planning MISTAKES. Dad Jokes.

Thank you Ross and Dexter for joining me. I thoroughly enjoyed the conversation. Should we start Dad Jokes with Dads?

Weekly Retirement Planning Coffee Talks are an informal way for me to have conversations and answer questions with people even if they are not my clients for free. You are welcome to join the Facebook live or stop by my office for free coffee.

There is no pressure to work with me or become my client by stopping by in person or online.

It is my mission to provide the highest quality advice and service possible to my clients. Therefore, I limit myself to only having 100 or less active clients at all times that I have a fiduciary responsibility to. Even though I limit myself to only working with 100 clients at any given time. It is still important to me to provide as much value as I can to as many good people as possible. Which is why these conversations are so important to me.

Disclaimer, this content is not legal, tax, or investment advice. You should always consult a qualified professional regarding your personal situation. And this is live so I may make a mistake from time to time.

#MoneyNotMath #RetirementPlanning #EmptyNesters #5StoneFinancialGroup #investing #money #FinancialEducation #Retirement #coffee #SocialSecurity

Articles referenced: https://ritholtz.com/1979/08/the-death-of-equities/

https://smartasset.com/retirement/retirement-mistakes-to-avoid