Welcome to the⁠⁠⁠⁠⁠⁠⁠⁠  @plannedsolutions  ⁠⁠⁠⁠⁠⁠Incorporated Podcast. In this episode, we discuss how Tariffs are a tax on imported goods, the cost of which

Welcome to the⁠⁠⁠⁠⁠⁠⁠⁠  @plannedsolutions  ⁠⁠⁠⁠⁠⁠Incorporated Podcast. In this episode, we discuss how the stock market rallies this year and last were led by a relatively small number of large, growth, tech companies in the first half of the year. Then in the second half the market rally broadened as small and mid-sized companies, as well as value stocks, took the lead fueled by improving fundamentals and better valuations, especially when compared to the stocks that had large gains that exceeded their sales, earnings, and

Welcome to the⁠⁠⁠⁠⁠⁠⁠⁠  @plannedsolutions  ⁠⁠⁠⁠⁠⁠Incorporated Podcast. In this episode, we discuss how the US presidential election was recently decided, causing many Americans and political pundits to examine the result and its potential causes. However, looking beyond the US borders, it becomes apparent that the shift in the political tide is not just limited to the US. The US election reflects a global trend of voter frustration with inflation causing them to shift away from the party in power.

Welcome to the⁠⁠⁠⁠⁠⁠⁠⁠  @plannedsolutions  ⁠⁠⁠⁠⁠⁠Incorporated Podcast. In this episode, we discuss how Direct indexing has become more and more popular as advancements in technology and decreasing trading and custodial costs have made these strategies more competitive. In some cases, direct indexing can lead to better tax outcomes or could better meet investor preferences to hold or avoid certain securities. However, there are also some negative implications, including increased complexity that may offset the benefits.

Welcome to the⁠⁠⁠⁠⁠⁠⁠⁠  @plannedsolutions  ⁠⁠⁠⁠⁠⁠Incorporated Podcast. In this episode, we discuss The trustees of the Social Security benefit program recently released their report for 2024. As in the past, the trustees are sounding the alarm about the future funding of Social Security benefits as program revenue is expected to fall short of outflows, causing its limited reserves to dwindle over time. Therefore, the trustees recommend that Congress act sooner rather than later to gradually implement changes over time to fill the gap in funding.

Welcome to the⁠⁠⁠⁠⁠⁠⁠⁠  @plannedsolutions  ⁠⁠⁠⁠⁠⁠Incorporated Podcast. In this episode, we discuss the Financial Independence Retire Early (FIRE) movement was popular several years ago, but many adherents found it to be too difficult to achieve or that it came with downsides that were not worth the effort in the long run. Now a new version of the FIRE movement, called Coast FIRE, is gaining attention as it better balances needs today with the desire for increased financial freedom in the future and maybe attainable for more people.

Welcome to the⁠⁠⁠⁠⁠⁠ ⁠ @plannedsolutions ⁠ ⁠⁠⁠⁠⁠⁠Incorporated Podcast. In this episode, we discuss the rate at which prices were increasing has eased but many households are still feeling the pinch from inflation. One of the factors that explains why some households are feeling more of the pinch than others is that inflation has not been evenly distributed across all goods and services. Instead, certain categories have experienced higher inflation than others so the mix of a given household's normal spending will have a big impact on their individual inflation rate.

You can register by visiting: https://www.eventcreate.com/e/plannedsolutionsgolftournament2024

All profits go to cancer research and education. You can help by attending the tournament or

donating. Not golfing? Bring friends and attend the dinner.

the Pinch 01:55

Welcome to the⁠⁠⁠⁠⁠⁠  @plannedsolutions  ⁠⁠⁠⁠⁠⁠Incorporated Podcast. In this episode we discuss how in an effort to safeguard taxpayer financial information, the IRS has made it more difficult for taxpayers and their appointed professionals to access information stored by the IRS. This is especially true after a taxpayer has passed and a fiduciary has become responsible for their income taxes and the taxes owed by a trust or estate. Therefore, it is important to complete the proper forms and submit them to the proper agency to gain access to needed tax records.

Date: Friday, October 11, 2024Location: Rancho Murieta Country Club – North Course7000 Alameda Drive

Rancho Murieta, CA 95683Time: 1:00pm shotgun start, 5:30pm dinner All profits go to cancer research and education. You can help by attending the tournament or donating. Not golfing? Bring friends and attend the dinner.

To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast) please e-mail ⁠⁠⁠⁠⁠⁠[email protected]

⁠⁠⁠⁠⁠⁠The Personal Finance Review is published and distributed biweekly by Planned Solutions, Inc. for informational purposes only.

Please seek the advice of a qualified financial planner before taking any action. Chase Armer's book- Financial Planning Insights is now available at:⁠⁠⁠⁠⁠⁠⁠https://www.amazon.com/Financial-Planning-Insights-Decades-Planner/dp/1098306279?ref_=ast_author_mpb⁠⁠⁠⁠⁠⁠

The Rise in Financial Literacy Among Young Adults 01:31

Adjustable-Rate Mortgages 15:07

Eligible Designated Beneficiaries 22:06

Bulletin Board 25:30

Planned Solutions, Inc.⁠⁠⁠⁠⁠⁠https://www.plannedsolutions.com/⁠⁠⁠

Welcome to the⁠⁠⁠⁠⁠ @plannedsolutions ⁠⁠⁠⁠⁠Incorporated Podcast. In this episode we discuss America’s housing market is facing a new challenge. Homeowners who locked in low mortgage rates, either by buying or refinancing during the low-interest rate period of the pandemic, are hesitant to give up their low-rate mortgages causing them to stay put. This has reduced the number of homes for sale, especially in certain localities, causing tight inventories that keep prices high. The combination of high prices and high interest rates makes housing less affordable.

With interest rates now much higher than they were a few years ago, many banks have been “playing games” to avoid paying depositors competitive rates. Many banks increased the interest rates paid on legacy accounts slower than the market.

The Harlan D. Wood and Debbie Druivenga Memorial Cancer Charity Golf Tournament

Date: Friday, October 11, 2024

Location: Rancho Murieta Country Club – North Course

7000 Alameda Drive

Rancho Murieta, CA 95683

Time: 1:00pm shotgun start, 5:30pm dinner

All profits go to cancer research and education. You can help by attending the tournament or donating. Not golfing? Bring friends and attend the dinner.