Pension Attention

Like the changing of seasons, financial planning has patterns. In fact, there are 3 phases in life all of us will go through when it comes to our financial journey. Knowing where you are in yours could help you plan much better.

On today's show, Brad shares the 3 financial phases, hoping you will discover which you are in so you can move toward financial freedom.

Listen now.

Show Highlights Include:

• Financial Planning Is Like The Changing Seasons. (2:10)
• The Build And Grow Phase. (8:25)
• The Transitional Phase. (9:45)
• The Distribution And Deployment Phase. (11:57)
• Always Plan For The Next Phase. (13:29)

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

Is there any investment that is "Risk Free"?... Not exactly. However, there are options out there that are not the most "sexy" but have much lower risk, which could be appealing to some investors.

On today's episode, Brad shares the differences between Treasury Bills and Treasury Bonds, plus how to purchase them and why they could be a great addition to your portfolio.

Listen now.

Show Highlights Include:

• Bonds Run The Market. (2:23)
• A Spoiled 15 Years. (5:25)
• Where Are The Risk Free Rates? (6:39)
• How To Purchase Treasury Bills. (9:17)
• Treasury Bills vs Treasury Bonds. (12:28)

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

If the things you thought were true were actually wrong... when would you want to know? With regards to finances, misconception can cause costly consequences.

In today's episode, Brad explains how your financial freedom rests on understanding WHAT you are doing with your money and WHY you are doing it.

Listen Now!

• Carrying Around Half Truths. (1:44)
• Money Is Like Water. (5:05)
• Financial Security vs Financial Freedom. (8:52)
• Building Passive Income With Value Investing. (11:43)
• Do Not Fail To Understand This. (13:14)

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

Many of us stress about where we will be financially in retirement and often ask the question, "Will I have enough to last?"... What it takes to protect what you save for retirement can be quite simple.

Today on the show, Brad shares 5 things that could help everyone achieve their retirement planning goals, reminding us that it is not WHAT you own but HOW you own it.

Listen now.

Show Highlights Include:

• Just Answer With A YES! (2:57)
• Protecting What You Save. (4:08)
• Have An Income Plan. (5:59)
• Work Out Your Health Care Options. (8:50)
• Public Enemy Number One... TAXES. (10:43)
• Estate Planning Is A MUST. (12:54)

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

With continued media buzz around the U.S. debt ceiling, it has many people concerned but also short-sighted about how long the U.S. has actually been in debt... and if we as a country are in trouble when it comes to the debt we are holding.

In today's show, Brad takes us through a historic timeline of the U.S. federal debt going back to our independence in 1776. The details are fascinating.

Listen Now!

Show Highlights Include:

• The Timeline Of U.S. Debt. (2:24)
• What Brad Is Concerned About. (6:25)
• Context Matters Around The Debt Ceiling. (8:38)
• Debt Is The Issue, But Not The Issue. (10:14)

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

For most of us, the only place we hold our cash is in a bank... because that's what most of us know. But what if there were some alternative places to put your cash? The answer is: There are 5.

In today's show, Brad shares 5 places you can hold your cash that could provide very positive returns.

Listen now.

Show Highlights Include:

• What Does Your Bank Balance Really Mean? (1:57)
• FDIC Suite Programs. (3:57)
• Money Market Mutual Funds. (4:43)
• Are Treasuries Still A Thing? (6:25)
• Short Term Bonds Baby! (7:38)
• Whoa, Whoa, Whoa... Stocks? (8:45)

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

With the debt ceiling conversation leading the news AGAIN, and with volatility running amuck, it has many people asking the question... "When should I get into the market?"

On today's show, Brad shares his take on when to get into the market and his answer may not be what you expect.

Listen now.

Show Highlights Include:

• Surf's Up When Investing. (2:10)
• Volatility Can Be Your Friend. (5:23)
• No One Grows Wealth By Sitting On The Sidelines. (8:14)
• Paying Rent To The Risk Taker. (9:45)
• Bears Are Smart, Bulls Make Money. (11:05)
• Learn From Your Mistakes, Or Repeat Them. (13:35)

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

Within the next couple of decades, the largest transfer of wealth will occur in generational history. What we can glean from those born between the 1920's and 1960's is immeasurable.

In today's show, Brad shares his very vulnerable conversation he recently had with his 93 year old grandfather and what we can all learn about money from those who came before us.

Listen now.

Show Highlights Include:

• The Difference In Having Money At 18 Versus 93. (3:56)
• When Money Goes From A Stressor To A Comfort. (8:02)
• What Brad's Grandfather Would Say To A Young Person Today. (11.50)
• The Largest Wealth Transfer In History. (15:06)
• 3 Things My Grandfather Wants You To Remember. (19:15)

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

We have been on the cusp of a recession for quite some time. Some would say we have been in a recession for awhile... No matter if we are or we aren't, these talks make the headlines daily. But, does it change what most of us already know about the economy?

In this episode, Brad shares 3 things to recession proof your retirement in whatever stage of life you are in, reminding us it is better to be proactive versus reactive.

Listen now.

Show Highlights Include:

• Recessions Are Called In The 11th Hour. (3:58)
• Think Long Term, Look Over Your Plan. (7:40)
• Look For An Advisor. (9:45)
• Protecting Your Portfolio Through Diversification. (11:28)
• This Week In History. (14:22)

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

The debt ceiling conversation always seems to be on the news rotation. Although there will be rhetoric and brinksmanship attached to these headlines, there is always more to the story.

In today's episode, Brad gives a short history lesson on debt and shares an in depth look of what is really going on.

Listen now.

Show Highlights Include:

• When Debt Did Not Exist. (2:16)
• Paying Off The Mortgage May Not Be The Best idea. (5:08)
• We are Not Interested In A Company Without Debt. (9:12)
• The Trillion Dollar Question. (13.58)
• Debt Is The Symptom Of The Disease. (16:45)

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