Today on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson answer the seven most frequently asked client questions. They break down topics such as Structured notes in 2022, the best times to do a Roth conversion, and long-term care insurance planning.

[01:40] Understanding I Bonds and How They Work

[04:19] The Dos and Don'ts of Investing in I Bonds

[06:30] Tax Brackets and Retirement Planning

[10:47] Automatic Savings and Consumer Debt

[14:13] Structured Notes in 2022

[19:35] How to Invest in Bonds and Options

[21:35] Minimum Investment Amount in Structured Notes

[22:27] Why You Need to Constantly Monitor Your Financial Plan

[24:35] Difference Between Exchange Traded Funds and Mutual Funds

[27:00] Active Versus Passive Exchange Traded Funds

[29:41] Potential Tax Benefits From ETFs

[31:20] Interesting Design Features in ETFs

[33:40] When's The Best Time To Do a Roth Conversion?

[38:35] Favorable Tax Rates For a Roth Conversion

[39:50] What You Need to Know About Long-Term Care Insurance

[46:01] Parting Thoughts

Roshan can be reached at [email protected] or at 202-536-4468.  Erik can be reached at [email protected] or 815-940-4652. Adrian can be reached at [email protected] or at 703-915-8905.

Follow Us At:

Website: https://retirementlifestyleshow.com/

https://www.retirewithroshan.com

https://youtu.be/hKVzI87v0tA

https://twitter.com/RoshanLoungani

https://www.linkedin.com/in/roshanloungani/

https://www.facebook.com/retirewithroshan/

https://www.linkedin.com/in/financialerik/

https://www.linkedin.com/in/adrian-nicholson-74b82b13b/

#retirementlifestylepodcast #fire #podcast #FI #Retire #retirewithroshan #retirement #investing

All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional.

Today on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson are back with the fifth installation of Battle of the Plans. They use their complex financial planning software packages to analyze a hypothetical client situation and formulate a practical retirement plan.

[01:49] Client Profile for Our Hypothetical Financial Plan

[04:57] Does Our Hypothetical Client Have Enough to Retire?

[08:05] Assumptions in a Retirement Plan

[10:02] The Probability of Success or Failure of a Retirement Plan

[15:50] When to Consider Roth Conversions

[20:34] How to Minimize Taxes on Required Minimum Distributions

[22:50] Practical Investment Strategies For Our Hypothetical Client

[24:30] Can You Minimize Taxes with Asset Location?

[27:50] Investing According to Your Risk Tolerance

[30:45] Inflation and Investing in Bonds

[32:20] When to Separate Your Portfolio Between Income and Growth

[37:35] How Retirement Planning Tools Work

[39:01] Sustainable Retirement Spending and Market Returns

[45:00] Working with an Advisor for Retirement Planning

[49:00] Parting Thoughts

Roshan can be reached at [email protected] or at 202-536-4468.  Erik can be reached at [email protected] or 815-940-4652. Adrian can be reached at [email protected] or at 703-915-8905.

Follow Us At:

Website: https://retirementlifestyleshow.com/

https://www.retirewithroshan.com

https://youtu.be/hKVzI87v0tA

https://twitter.com/RoshanLoungani

https://www.linkedin.com/in/roshanloungani/

https://www.facebook.com/retirewithroshan/

https://www.linkedin.com/in/financialerik/

https://www.linkedin.com/in/adrian-nicholson-74b82b13b/

#retirementlifestylepodcast #fire #podcast #FI #Retire #retirewithroshan #retirement #investing

All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional.

On Tuesday, September 13, the Bureau of Labor Statistics released the August 2022 inflation numbers, compared to both July and the year before those numbers were again up, not down. Investors saw the single largest drop in the markets since June 2020.

Roshan can be reached at [email protected] or at 202-536-4468.  Erik can be reached at [email protected] or 815-940-4652. Adrian can be reached at [email protected] or at 703-915-8905.

Follow Us At:

Website: https://retirementlifestyleshow.com/

https://www.retirewithroshan.com

https://youtu.be/hKVzI87v0tA

https://twitter.com/RoshanLoungani

https://www.linkedin.com/in/roshanloungani/

https://www.facebook.com/retirewithroshan/

https://www.linkedin.com/in/financialerik/

https://www.linkedin.com/in/adrian-nicholson-74b82b13b/

#retirementlifestylepodcast #fire #podcast #FI #Retire #retirewithroshan #retirement #investing

All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional.

Today on the Retirement Lifestyle Show, Roshan Loungani and Adrian Nicholson break down the six major life events that could impact your financial plan. They talk about the pros and cons of inheriting assets, planning for an expected medical catastrophe, and things you should consider before buying a house.

[03:07] Moving: Buying Versus Renting

[06:46] Sometimes Renting Makes Sense

[10:28] Leaving a Job - Willingly or Unwillingly

[17:58] Losing Parents and Inheriting Their Assets

[22:36] Family Composition and Relationships

[28:30] Kid's Life Stages and Funding Education

[33:05] Unexpected Health Changes and Associated Costs

[37:20] Parting Thoughts

Roshan can be reached at [email protected] or at 202-536-4468.  Erik can be reached at [email protected] or 815-940-4652. Adrian can be reached at [email protected] or at 703-915-8905.

Follow Us At:

Website: https://retirementlifestyleshow.com/

https://www.retirewithroshan.com

https://youtu.be/hKVzI87v0tA

https://twitter.com/RoshanLoungani

https://www.linkedin.com/in/roshanloungani/

https://www.facebook.com/retirewithroshan/

https://www.linkedin.com/in/financialerik/

https://www.linkedin.com/in/adrian-nicholson-74b82b13b/

#retirementlifestylepodcast #fire #podcast #FI #Retire #retirewithroshan #BAM #BusinessAsMission #ImpactInvesting

All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional.

Today on the Retirement Lifestyle Show, Roshan Loungani and Erik Olson break down Adam Seessel's book Where the Money Is: Value Investing in the Digital Age. They discuss the book's value investing framework, how it can be implemented by the average investor, and why investing in Tech might be the way to go for value investors.

[01:46] Introduction

[04:20] Value Investing in the Digital Age

[07:20] Value Investing 3.0

[10:50] How to Analyze Business Quality

[13:25] What is Sustainable Competitive Advantage

[20:10] Competitive Advantage in Value 3.0

[24:20] How to Uncover the Management Quality of a Business

[33:00] Profitability Measurements of a Business Before Investing

[35:20] Why Price is Always the Veto Question when Investing

[39:25] What Makes Investing in Technology Unique?

[44:35] Parting Thoughts

Roshan can be reached at [email protected] or at 202-536-4468.  Erik can be reached at [email protected] or 815-940-4652. Adrian can be reached at [email protected] or at 703-915-8905.

Follow Us At:

Website: https://retirementlifestyleshow.com/

https://www.retirewithroshan.com

https://youtu.be/hKVzI87v0tA

https://twitter.com/RoshanLoungani

https://www.linkedin.com/in/roshanloungani/

https://www.facebook.com/retirewithroshan/

https://www.linkedin.com/in/financialerik/

https://www.linkedin.com/in/adrian-nicholson-74b82b13b/

#retirementlifestylepodcast #fire #podcast #FI #Retire #retirewithroshan #BAM #BusinessAsMission #ImpactInvesting

All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional.

Today on the Retirement Lifestyle Show, Roshan Loungani and Adrian Nicholson discuss the benefits of being a disciplined investor. They break down the consequences of lacking investment discipline, the value of staying invested, and why you need to remove emotions from all your investment decisions.

[01:30] A Disciplined Approach to Investing

[04:26] Why You Must Avoid Emotional Investing

[07:45] Benefits of Having a Strict Investment Strategy

[11:30] Investment Flexibility and the Acceptance of Risk

[14:56] How Your Goals Keep You Disciplined

[18:56] The Consequences of Lacking Discipline When Investing

[23:10] The Scary Thing About Speculative Bets

[25:42] Market Volatility and the Value of Staying Invested

[28:47] The Reality of Investment Risk

[31:15] Self-Control is the Key to Keeping Emotional Investing at Bay

[33:00] Why Doing Nothing is Also an Investment Strategy

[35:10] Selling Equities in a Down Market

[36:33] Trust the Process: Volatility is Normal

[40:39] Parting Thoughts

Roshan can be reached at [email protected] or at 202-536-4468.  Erik can be reached at [email protected] or 815-940-4652. Adrian can be reached at [email protected] or at 703-915-8905.

Follow Us At:

Website: https://retirementlifestyleshow.com/

https://www.retirewithroshan.com

https://youtu.be/hKVzI87v0tA

https://twitter.com/RoshanLoungani

https://www.linkedin.com/in/roshanloungani/

https://www.facebook.com/retirewithroshan/

https://www.linkedin.com/in/financialerik/

https://www.linkedin.com/in/adrian-nicholson-74b82b13b/

#retirementlifestylepodcast #fire #podcast #FI #Retire #retirewithroshan #BAM #BusinessAsMission #ImpactInvesting

All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional.

Today on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson talk about Aging in Place and its place in retirement. They go through the pros and cons of aging in place, technological advances in the space, and how to plan for your later years well in advance.

[01:20] Aging in Place and What it Really Means

[05:08] Costs and When to Start Planning

[09:08] Aging in Place Location and Ease of Access

[11:11] Impact on Memory Loss and Self-Determination

[15:58] The Disadvantages of Aging in Place

[18:00] The Benefits of Planning for Aging in Place

[18:52] Solutions and What Aging in Place Would Mean to You and Your Family

[22:36] Technological Advances in This Space

[29:20] Resources and Ideas For Well-Planned Aging in Place

[32:35] Parting Thoughts

Roshan can be reached at [email protected] or at 202-536-4468.  Erik can be reached at [email protected] or 815-940-4652. Adrian can be reached at [email protected] or at 703-915-8905.

Follow Us At:

Website: https://retirementlifestyleshow.com/

https://www.retirewithroshan.com

https://youtu.be/hKVzI87v0tA

https://twitter.com/RoshanLoungani

https://www.linkedin.com/in/roshanloungani/

https://www.facebook.com/retirewithroshan/

https://www.linkedin.com/in/financialerik/

https://www.linkedin.com/in/adrian-nicholson-74b82b13b/

#retirementlifestylepodcast #fire #podcast #FI #Retire #retirewithroshan #BAM #BusinessAsMission #ImpactInvesting

All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional.

Today on the Retirement Lifestyle Show, Roshan Loungani and Adrian Nicholson talk to Jeremy Epstein, President of the Crypto Explorers Association and co-founder of the Crypto Explorers. Jeremy shares his take on the current crypto environment, why crypto investing is not for everyone, and the risk versus potential opportunities in cryptocurrencies right now.

[02:13] A Look Back at the Crazy Year For Crypto

[06:00] Will Crypto Bounce Back Or Has The Bubble Burst?

[09:10] Stablecoins Explained

[11:40] Jeremy’s Thoughts on Bitcoin’s Price Movements

[14:35] Understanding the Crypto Boom-Burst Cycles

[17:50] Crypto is Not For Everyone

[20:00] Factors Influencing the Current Crypto Slump

[21:50] Major Evolutions in the Crypto World Over the Past 3 Years

[25:05] The Number of Crypto Coins as of July 2022

[29:40] Token Economics and the Rising Number of Cryptocurrencies

[33:30] The Future of Cryptocurrencies Explained

[37:10] Risk and Potential Opportunities in Crypto Right Now

[38:50] Advice to Investors on How to Respond to Market Lows

[42:10] Cryptocurrencies – Just a Fad, or Here to Stay?

[45:48] Parting Thoughts

Roshan can be reached at [email protected] or at 202-536-4468.  Erik can be reached at [email protected] or 815-940-4652. Adrian can be reached at [email protected] or at 703-915-8905.

Follow Us At:

Website: https://retirementlifestyleshow.com/

https://www.retirewithroshan.com

https://youtu.be/hKVzI87v0tA

https://twitter.com/RoshanLoungani

https://www.linkedin.com/in/roshanloungani/

https://www.facebook.com/retirewithroshan/

https://www.linkedin.com/in/financialerik/

https://www.linkedin.com/in/adrian-nicholson-74b82b13b/

#retirementlifestylepodcast #fire #podcast #FI #Retire #retirewithroshan #BAM #BusinessAsMission #ImpactInvesting

All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional.

Today on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson go through easy-to-implement strategies to lower the cost of college. They talk about the current cost of attending college, how to pay for college without breaking the bank, and whether the price of attending an elite school is really worth it.

[01:02] A Strategic Look at Paying For Your Kid's College Education

[06:30] Stanford University Research on the Burden of Student Loans

[09:21] Do Your Kids Really Need College?

[13:42] How to Pay for Your Kid's College: What Parents Need to Know

[15:55] Work-Study Programs Eligibility

[17:10] The Current Cost of Attending College

[20:20] The Most Expensive College in the World

[21:25] Developing a College Search Strategy

[29:09] Ways to Reduce the Cost of College

[32:15] Understanding Federal Financial Aid

[35:45] How Does the FAFSA Determine Who Will Receive Aid and How Much?

[37:50] All You Need to Know About Student Aid

[44:40] The 529 Plan Rules and Contribution Limits

[49:25] When and When Not to Put Assets in Your Children's Names

[53:00] Tips on Spending Money in College Savings Accounts

[55:28] How the National Guard Helps Pay For College

[58:20] Parting Thoughts

Roshan can be reached at [email protected] or at 202-536-4468.  Erik can be reached at [email protected] or 815-940-4652. Adrian can be reached at [email protected] or at 703-915-8905.

Follow Us At:

Website: https://retirementlifestyleshow.com/

https://www.retirewithroshan.com

https://youtu.be/hKVzI87v0tA

https://twitter.com/RoshanLoungani

https://www.linkedin.com/in/roshanloungani/

https://www.facebook.com/retirewithroshan/

https://www.linkedin.com/in/financialerik/

https://www.linkedin.com/in/adrian-nicholson-74b82b13b/

#retirementlifestylepodcast #fire #podcast #FI #Retire #retirewithroshan #BAM #BusinessAsMission #ImpactInvesting

All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional.

Today on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson go through the three major mistakes you should avoid when planning for retirement. They talk about risk versus reward during retirement, why so many retirees are returning to work, and the benefits of proper retirement planning.

[02:40] Introduction

[03:33] Risk Versus Reward During Retirement

[06:49] Understanding the Two Major Types of Investment Risk

[09:15] The Difference Between Individual and Portfolio Volatility

[14:20] Investment Risk During the Accumulation Versus Distribution Phase

[19:10] Why So Many Retirees are Going Back to Work

[22:38] Why You Need to Test Drive Your Retirement

[30:25] Always Have a Plan For Retirement

[34:30] Understand That Your Goals and Lifestyle During Retirement Will Change

[36:55] The Benefits of Proper Retirement Planning

[39:50] Parting Thoughts

Roshan can be reached at [email protected] or at 202-536-4468.  Erik can be reached at [email protected] or 815-940-4652. Adrian can be reached at [email protected] or at 703-915-8905.

Follow Us At:

Website: https://retirementlifestyleshow.com/

https://www.retirewithroshan.com

https://youtu.be/hKVzI87v0tA

https://twitter.com/RoshanLoungani

https://www.linkedin.com/in/roshanloungani/

https://www.facebook.com/retirewithroshan/

https://www.linkedin.com/in/financialerik/

https://www.linkedin.com/in/adrian-nicholson-74b82b13b/

#retirementlifestylepodcast #fire #podcast #FI #Retire #retirewithroshan #BAM #BusinessAsMission #ImpactInvesting

All opinions expressed by podcast hosts and guests are solely their own. While based on information they believe is reliable, neither Arete Wealth nor its affiliates warrant its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions, consult a professional.