Setting Up Your Emergency Fund

Life is full of surprises. Unfortunately, some of these surprises can be costly and difficult to manage. That’s where your emergency fund comes in. This is a savings account that you set up specifically for unexpected expenses. By having this money saved up, you can avoid taking on high-interest debt or dipping into other savings or investing accounts when something unexpected comes up.

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Investing Resources

• Free Financial Assessment: https://einstokwealth.com/start-here
• Tax-Efficient Investing: https://einstokwealth.com/smart-strategies-for-lowering-your-taxes-in-retirement/
• More Resources: https://einstokwealth.com/links/

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Jason T. Micheli, PhD is CEO of Einstök Wealth Management, a wealth management firm in Orange County, CA serving clients all across the United States.

To enquire about working with Jason, start here: https://einstokwealth.com/start-here

To learn more about Jason, visit https://einstokwealth.com/jason-micheli

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©2024 Jason T. Micheli. All rights reserved.

The Decision Making Process in Investing

While we cannot predict the future with certainty, making a choice empowers us with a sense of control and responsibility.

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Investing Resources

• Free Financial Assessment: https://einstokwealth.com/start-here
• Tax-Efficient Investing: https://einstokwealth.com/smart-strategies-for-lowering-your-taxes-in-retirement/
• More Resources: https://einstokwealth.com/links/

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Jason T. Micheli, PhD is CEO of Einstök Wealth Management, a wealth management firm in Orange County, CA serving clients all across the United States.

To enquire about working with Jason, start here: https://einstokwealth.com/start-here

To learn more about Jason, visit https://einstokwealth.com/jason-micheli

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©2023 Jason T. Micheli. All rights reserved.

Today we answer top questions about retirement investing from our listeners and readers. Topics include: 

• How can I calculate how much I truly need to save for retirement?
• If my investments are large enough, can I stop saving for retirement?
• When should I start collecting social security?
• When is the best time to convert traditional IRAs to Roth IRAs?
• Should we refinance our jumbo loan to a conventional loan?
• How do HSAs work?

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Investing Resources

• Free Financial Assessment: https://einstokwealth.com/start-here
• Tax-Efficient Investing: https://einstokwealth.com/smart-strategies-for-lowering-your-taxes-in-retirement/
• More Resources: https://einstokwealth.com/links/

————————

Jason T. Micheli, PhD is CEO of Einstök Wealth Management, a wealth management firm in Orange County, CA serving clients all across the United States.

To enquire about working with Jason, start here: https://einstokwealth.com/start-here

To learn more about Jason, visit https://einstokwealth.com/jason-micheli

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©2023 Jason T. Micheli. All rights reserved.

What Retirement Accounts to Use

When it comes to saving for retirement, one of the challenging decisions is deciding which accounts to prioritize. Should you focus on maxing out your 401(k) or your IRA? And when is it appropriate to consider a taxable account for your retirement savings? Furthermore, how does debt factor into these choices? These are all important questions to consider, as personal finance is unique to each individual. In this episode we explore the best strategies for retirement savings so you can make informed decisions based on your circumstances.

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Investing Resources

• Free Financial Assessment: https://einstokwealth.com/start-here
• Tax-Efficient Investing: https://einstokwealth.com/smart-strategies-for-lowering-your-taxes-in-retirement/
• More Resources: https://einstokwealth.com/links/

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Jason T. Micheli, PhD is CEO of Einstök Wealth Management, a wealth management firm in Orange County, CA serving clients all across the United States.

To enquire about working with Jason, start here: https://einstokwealth.com/start-here

To learn more about Jason, visit https://einstokwealth.com/jason-micheli

————————

©2023 Jason T. Micheli. All rights reserved.

How to Determine Your Risk Tolerance

This episode discusses the difference between your ability to take risk and your willingness to take risk and how these things play a crucial role in your investment portfolio. 

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Investing Resources

• Free Financial Assessment: https://einstokwealth.com/start-here
• Tax-Efficient Investing: https://einstokwealth.com/smart-strategies-for-lowering-your-taxes-in-retirement/
• More Resources: https://einstokwealth.com/links/

————————

Jason T. Micheli, PhD is CEO of Einstök Wealth Management, a wealth management firm in Orange County, CA serving clients all across the United States.

To enquire about working with Jason, start here: https://einstokwealth.com/start-here

To learn more about Jason, visit https://einstokwealth.com/jason-micheli

————————

©2023 Jason T. Micheli. All rights reserved.

Why Invest in International Stocks?

In this episode we discuss international stocks. Specifically, we talk about why one might invest in international stocks, even though they underperform U.S. stocks in some years; how much should a person allocate to international stocks; and what is the best way to add international stocks to a portfolio?

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Investing Resources

• Free Financial Assessment: https://einstokwealth.com/start-here
• Tax-Efficient Investing: https://einstokwealth.com/smart-strategies-for-lowering-your-taxes-in-retirement/
• More Resources: https://einstokwealth.com/links/

————————

Jason T. Micheli, PhD is CEO of Einstök Wealth Management, a wealth management firm in Orange County, CA serving clients all across the United States.

To enquire about working with Jason, start here: https://einstokwealth.com/start-here

To learn more about Jason, visit https://einstokwealth.com/jason-micheli

————————

©2023 Jason T. Micheli. All rights reserved.

Traditional IRA vs Roth IRA. Which is Better?

When you contribute to retirement accounts, you typically have two options: traditional accounts or Roth accounts. Which is better?  Tune in to today's episode to learn the benefits of each and which might be better for you.

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Investing Resources

• Free Financial Assessment: https://einstokwealth.com/start-here
• Tax-Efficient Investing: https://einstokwealth.com/smart-strategies-for-lowering-your-taxes-in-retirement/
• More Resources: https://einstokwealth.com/links/

————————

Jason T. Micheli, PhD is CEO of Einstök Wealth Management, a wealth management firm in Orange County, CA serving clients all across the United States.

To enquire about working with Jason, start here: https://einstokwealth.com/start-here

To learn more about Jason, visit https://einstokwealth.com/jason-micheli

————————

©2023 Jason T. Micheli. All rights reserved.

How to Lower Taxes in Retirement

It’s very possible to have a higher tax bill in retirement than you did as a working professional. However, there are steps you can take today to lower these retirement taxes.

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Investing Resources

• Free Financial Assessment: https://einstokwealth.com/start-here
• Tax-Efficient Investing: https://einstokwealth.com/smart-strategies-for-lowering-your-taxes-in-retirement/
• More Resources: https://einstokwealth.com/links/

————————

Jason T. Micheli, PhD is CEO of Einstök Wealth Management, a wealth management firm in Orange County, CA serving clients all across the United States.

To enquire about working with Jason, start here: https://einstokwealth.com/start-here

To learn more about Jason, visit https://einstokwealth.com/jason-micheli

————————

©2023 Jason T. Micheli. All rights reserved.

Many people think that the first account they should fund when saving for retirement is a 401(k) or IRA, but that’s not always the case. Knowing what types of accounts to use and which accounts to fund first, can make a big difference in your long-term savings and future tax bill. So, if you have always wanted to know the order of accounts for saving your money, this episode is for you.

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Investing Resources

• Free Financial Assessment: https://einstokwealth.com/start-here
• Tax-Efficient Investing: https://einstokwealth.com/smart-strategies-for-lowering-your-taxes-in-retirement/
• More Resources: https://einstokwealth.com/links/

————————

Jason T. Micheli, PhD is CEO of Einstök Wealth Management, a wealth management firm in Orange County, CA serving clients all across the United States.

To enquire about working with Jason, start here: https://einstokwealth.com/start-here

To learn more about Jason, visit https://einstokwealth.com/jason-micheli

————————

©2023 Jason T. Micheli. All rights reserved.

Three Common Mistakes When Investing

There are three common mistakes I see people make when investing for retirement. Number one: people tend to be too active with their investments. Number two: people think they know what they don’t actually know. Number three: people too easily stray from their goal. In this episode we will outline how you can avoid making these common mistakes.

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Investing Resources

• Free Financial Assessment: https://einstokwealth.com/start-here
• Tax-Efficient Investing: https://einstokwealth.com/smart-strategies-for-lowering-your-taxes-in-retirement/
• More Resources: https://einstokwealth.com/links/

————————

Jason T. Micheli, PhD is CEO of Einstök Wealth Management, a wealth management firm in Orange County, CA serving clients all across the United States.

To enquire about working with Jason, start here: https://einstokwealth.com/start-here

To learn more about Jason, visit https://einstokwealth.com/jason-micheli

————————

©2023 Jason T. Micheli. All rights reserved.