When markets are unpredictable and headlines are filled with uncertainty, it can be hard to know how to move forward with your financial goals. This video explores how to plan confidently during times of market volatility—what to do, what to avoid, and how to keep your long-term strategy intact. It breaks down why volatility happens, how to stay level-headed when emotions run high, and ways to make decisions based on facts instead of fear. Whether you're investing for retirement, saving for the future, or just trying to make sense of the current market, this video provides clarity, perspective, and actionable steps to help you stay on track—even when everything feels uncertain. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStearns.com.

This episode dives into defensive financial strategies—practical ways to protect your money and stay financially stable during times of uncertainty. Instead of focusing on high-risk, high-reward tactics, defensive strategies emphasize minimizing losses, managing risk, and creating a strong foundation for long-term security. Topics covered include building emergency savings, choosing more conservative investments, maintaining proper insurance coverage, and making decisions that align with your personal goals and risk tolerance. These strategies are especially relevant in volatile markets or as you approach major life transitions like retirement. The goal isn’t to predict the future, but to be prepared for it. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStearns.com.

Market volatility refers to the frequent and sometimes unpredictable changes in asset prices, often driven by economic data, interest rate shifts, political events, corporate earnings, or broader global uncertainty. In this video, we take a closer look at how volatility shows up in the markets, what it can signal about investor sentiment, and how it affects both short-term fluctuations and long-term investment strategies. While volatility can feel unsettling, it's a natural part of how markets function. Instead of offering blanket advice, this discussion is meant to help viewers better understand the forces at play during volatile periods and consider how to think more clearly when headlines and prices are shifting rapidly. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStearns.com.

Market ups and downs are part of investing, but they can feel especially uncertain in retirement when you're relying on your savings. This video explores how to think about risk and volatility once you've stopped working, including how to balance growth with protection, why sequence of returns matters, and what strategies might help you stay on track through market swings. It’s not about predicting the future—it’s about preparing for it with a plan that fits your goals and comfort level. If you're in or approaching retirement, this conversation offers a practical look at managing uncertainty without losing sight of the bigger picture. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStearns.com.

Many people believe luck plays a big role in retirement—hitting the jackpot with investments, getting an unexpected inheritance, or simply avoiding financial setbacks. But is luck really a strategy? In this video, we break down the key differences between relying on chance and building a solid retirement plan. From smart investing and tax strategies to long-term financial habits, we’ll show you how to take control of your future instead of leaving it up to luck. Watch now to learn why a well-structured plan beats wishful thinking every time! For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStearns.com.

Retire Ready Part 2 builds on the foundation from Part 1, diving deeper into the strategies that can help you achieve a secure and stress-free retirement. In this video, we’ll explore advanced planning techniques, including tax-efficient withdrawal strategies, Social Security optimization, and ways to protect your assets from inflation and market volatility. We’ll also discuss estate planning essentials and healthcare considerations to ensure your financial well-being in retirement. No matter your stage in the retirement journey, these insights will help you make informed decisions and stay on track toward your goals.

Preparing for retirement is one of the most important financial steps you'll take in life. In this video, we’ll break down key strategies to help you build a solid retirement plan, from maximizing your savings and investments to understanding Social Security and managing expenses. Whether you're just starting or getting close to retirement, we’ll cover practical tips to ensure you have the financial security and peace of mind to enjoy your golden years. Don't wait—start planning today for the retirement you deserve! For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStearns.com.

Roth accounts can be a valuable part of your retirement plan, but understanding how they work is key. This video answers common questions about Roth IRAs and Roth 401(k)s, including how they differ, their tax advantages, and contribution limits. We'll also discuss who can contribute, when withdrawals are tax-free, and factors to consider when deciding if a Roth account fits your retirement strategy. Whether you're starting your retirement savings or rethinking your current plan, this guide will help you make informed decisions about your financial future. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStearns.com.

Retirement brings a new phase of financial planning, and taxes remain an important part of the equation. Understanding tax opportunities can help retirees make the most of their income. This video breaks down strategies like Roth conversions, managing required minimum distributions (RMDs), and making tax-efficient withdrawals from different accounts. We'll also cover how charitable giving and timing your income can impact your tax bill. Whether you're already retired or planning ahead, these insights can help you navigate taxes with more confidence and keep more of what you've saved. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStearns.com.

Planning for retirement is a step that can impact your financial security. The earlier you start, the more time you have to grow your savings, adjust your strategy, and explore financial tools that can support your retirement goals. Whether you’re just beginning to save or reassessing your long-term financial outlook, taking action sooner rather than later can help set a solid foundation for the future. In this video, we’ll discuss the importance of early retirement planning, how to develop a practical strategy, and key factors to consider along the way. From understanding investment options to managing risk, we’ll cover important insights to help guide your decisions. For more information, contact Tim Stearns, CFP® and his team at TjStearns at (800) 640-2256 and visit the website at www.tjstearns.com/