Pension Attention

When it comes to our financial portfolio, it's not only about accumulation and distribution. We all want the quick and easy steps for a successful plan but it's not so cut and dry.

In this episode, Brad discusses the 3 things everyone should consider when it comes to designing your portfolio.

Listen now. 

Show Highlights Include:

• What growth should look like. (1:32) 
• The younger brother of "rate of return" (5:15) 
• Grandpa says, make your money on the buy.  (7:33) 
• Standing the test of time. (10.57) 
• Only 5 places to invest. (13:29) 
• Not so conservative. (14:55) 

To schedule your free retirement tracking meeting, specifically for first responders, head to http://pensionattention.com/ or call us at 805-410-5454.

A question often asked is... Is diversification risky? Risk means different things to different people, and we all want to reduce risk in our lives but many people don't think about diversifying their portfolios and how it relates to risk reduction. 

Today, Brad discusses the topics of diversification and risk and how the two relate when it comes to our investments.

Listen now. 

Show Highlights Include:

• Kids and diversified foods (1:59) 
• Hypocrisy of risk. (5:29) 
• Nothing lasts forever.(8:29) 
• What we can learn from the 1970's. (12:02) 
• What we buy today, matters tomorrow. (13:05) 

To schedule your free retirement tracking meeting, specifically for first responders, head to http://pensionattention.com/ or call us at 805-410-5454.

Some say the word "recession" is the evil sister or brother of depression. This economic term gets widely used, especially in the media. We hear speculation and rumors about that word and for some, it can be alarming and concerning.

In this episode, Brad provides a fundamental, economic overview as to what we might be seeing as it pertains to the idea of a recession.

Listen now. 

Show Highlights Include:

•  Diversification for a 6 year old (2:25) 

• Pessimism overdone. (5:50) 
• Supply chain problem or just a supply problem? (7:34) 
• Demand for workers remains robust. (9:42) 
• Debt service payments are low for consumers and companies. (10:40) 
• There is still room for economic news. (12:46) 

To schedule your free retirement tracking meeting, specifically for first responders, head to http://pensionattention.com/ or call us at 805-410-5454.

There is a lot of misinformation out there regarding market volatility. Media outlets are selling fear but focusing on the core things around the discussion of recession and some of the indicators of the yield inversion can equip us in the current climate.

In this episode, Brad reiterates his passion that planning and making sure you have a cohesive and integrated financial plan, coupled with discipline is vital as you head toward retirement. 

Listen now. 

Show Highlights Include:

• The flurry of global and geopolitical events. (3:25) 
• When the Fed tightens. (7:17) 
• Bumps in the road. (9:01) 
• Economic impacts in Europe vs the U.S.. (13:18) 
• The growth rate looks positive. (16:06) 
• What's going to stick? (18:53) 

To schedule your free retirement tracking meeting, specifically for first responders, head to http://pensionattention.com/ or call us at 805-410-5454.

Whether or not you are in good times or bad times, the question of whether or not it is a good time to invest comes up often.

In this episode, Brad talks about how it's not about timing the market but time IN the market and how to discover what makes most sense for you.

Show Highlights Include:

• The impact on the economy during the pandemic. (3:55) 
• What is dollar cost averaging?(7:29) 
• How to know when it's your time.(11:57) 
• There could be room to fall. (16:54) 
• Conservative, really isn't conservative. (18:21) 

To schedule your free retirement tracking meeting, specifically for first responders, head to http://pensionattention.com/ or call us at 805-410-5454.

The way we look and approach our finances is often dictated by our behaviors, so it is very important to have a plan and stick to it.

In this episode, Brad discusses the difference between the emotional side and the rational side of investing and what you can do to take control of your finances. 

Show Highlights Include:

• The psychology of money is profound (1:31) 
• Timeless lessons on wealth(4:15) 
• If you lose your head, none of it matters.(10:05) 
• The market and the economy are separate.(13:45) 
• It's not about timing the market but time in the market. (15:39) 

To schedule your free retirement tracking meeting, specifically for first responders, head to http://pensionattention.com/ or call us at 805-410-5454.

After Russia invaded Ukraine, sanctions were placed on Russia. This has affected crude oil and inflation, but what is the history of sanctions in the United States?

In this episode, you’ll learn how sanctions, interest rates and inflation affect our economy and the housing market. 

Listen now. 

Show Highlights Include:

• The history of sanctions (1:55) 
• How the increase of the price of a barrel of oil, increases inflation. (5:40) 
• We've seen market volatility for awhile but since the recession of 2008, we've had a steady market and historically low interest rates.(8:49) 
• Interest rates and home buying. (10:10) 
• What is the M2 measure, printing money and how we are managing portfolios. (13:30) 
• What matters for the economy is how the higher rates affect the pace of home construction. (18:35) 

To schedule your free retirement tracking meeting, specifically for first responders, head to http://pensionattention.com/ or call us at 805-410-5454.

After a soaring bull market since The Great Recession, the investing world stopped dead in March 2020. It rebounded quickly, but we’re heading towards more market volatility than we had in the past decade. 

A volatile market doesn't have to mean watching all your investments go down the drain. But it is a time to make sure your strategy has proven, timeless investing strategies. 

Not only do these strategies protect your wealth, but they can also grow it. 

In this episode, you’ll discover the 10 timeless investment strategies and how they help you thrive during any market. 

Listen now. 

Show Highlights Include:

• How looking like a drug dealer when making large purchases keeps your portfolio healthy and growing (5:51) 
• Why Dave Ramsey is dead wrong about debt (and 3 filters to use it to become wealthier) (7:19) 
• The “Time Horizon” technique which transforms market volatility anxiety into excitement and unfair returns (8:37) 
• The boring, yet powerful reason why the 401k is the largest liquid retirement account for Americans (and how to duplicate this with other accounts) (10:19) 
• The sneaky “Rebalancing” trick for making more money in your portfolio with minimal effort and capital (11:50) 
• The “Conversative Bonds Cushion” which shrinks your risk during turbulent markets to almost zero (14:09) 

To schedule your free retirement tracking meeting, specifically for first responders, head to http://pensionattention.com/ or call us at 805-409-8150.

Fear and anxiety around investing can wreck your portfolio and sabotage your golden years before they even begin. 

Either your fear causes you to take uncalculated and unnecessary risks. Or it makes you as conservative as sticking your money in a savings account. 

That’s the bad news. 

The good news? 

Calming your fears is easier than you think. 

In this episode you’ll discover the 3 types of fears which cripple your wealth and 5 simple ways to overcome them. 

Listen now and protect your wealth before it’s too late.

Show Highlights Include:

• The weird way remembering cherished memories helps you make smarter, more profitable investments (5:09) 
• The 3 deadly fears which will wipe out your portfolio if left unchecked (5:43) 
• How “faking it until you make it” with your finances leads to a wealthier retirement (12:07) 
• Why buying groceries for your neighbor can shrink your financial anxiety (even if it seems like it will make it worse) (14:41) 
• The 5 “Fear Killers” for preventing your fears from eating your wealth (21:10) 

To schedule your free retirement tracking meeting, specifically for first responders, head to http://pensionattention.com/ or call us at 805-409-8150.

Do you know how to figure out when you should retire? 

Retiring too early can deplete your money during your golden years and force you back into a job. And retiring too late can steal the best years of your life from your grasp. 

Since retirees want to avoid both of these scenarios, wondering when it’s time to retire is the most commonly asked question I get. 

In this episode, you’ll discover three things you must do to determine the exact time you should retire. Don’t worry, it’s easier than you think. 

Listen now. 

Show Highlights Include:

• The weird psychological quirk that can delay your retirement by 5 years (or more) (2:34) 
• How to prevent running out of money in retirement (even if you retire sooner than most people) (6:17) 
• Why Googling retirement investment advice can plummet your portfolio (even if you find some big winners) (6:45) 
• The simple “1-2-3 Punch” method for figuring out the perfect time to retire (9:52) 
• The “4-5% Rule” for making your assets outlast you (13:00) 
• Why dynamic retirement plans wipe out your anxiety about running out of money during your golden years (even if inflation skyrockets) (16:28) 

To schedule your free retirement tracking meeting, specifically for first responders, head to http://pensionattention.com/ or call us at 805-409-8150.