Today on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson talk about the investment opportunities available during a down market. They discuss shorting a stock during market lows, the best times to rebalance your portfolio, and wealth transfers during a recession.

[03:40] Investment Opportunities During a Down Market

[05:25] Shorting a Stock During Market Lows

[08:38] Dos and Don'ts of Shorting a Stock

[10:30] Bonds in the Low-Interest Environment

[14:46] Why It Might Be a Good Time to Rebalance Your Portfolio

[19:50] When and How To Rebalance Your Portfolio

[23:55] Invest Your Cash at Hand During Market Lows

[27:49] The Cyclically Adjusted Price to Earnings Ratio

[31:34] Understanding Tax Loss Harvesting

[33:02] The Benefits of Doing a Roth Conversion Following a Big Decline

[37:20] Opportunistic Investing

[39:50] Wealth Transfers During a Recession

[46:03] 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 the 2022 market decline and possible responses. They break down how the markets typically respond to historical declines, the role of inflation in market volatility, and how to handle volatility in retirement.

[05:01] The Stress of Market Volatility

[08:30] Market Volatility and Historical Comparisons

[12:04] Historical Declines in the Bond Market

[13:46] Price Movements in the S&P 500

[16:38] What To Expect After Historically Low Declines

[24:24] Investor Thinking After Record Declines

[28:00] Deals and Opportunities in the Current Market Environment

[30:45] A Guide to Investing in the Current Market

[37:50] Positive Annual Returns and Intra-year Declines

[38:40] Ideas Into How to Handle Volatility

[40:50] Why Volatility Matters For Retirees

[44:01] How to Handle Market Volatility in Retirement

[47:30] Understanding Short Positions When Investing

[51:30] The Role of Inflation in Market Volatility

[54:10] Why Behavioral Finance is the Key to Managing Volatility

[01:01:33] Stick With Your Plan: Accept and Expect Volatility

[01:04:10] 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 to Kenneth Piercey, a Trust attorney specializing in proper estate planning, estate tax elimination, asset protection, special needs planning, probate, and Medicaid. They talk about special needs planning, the benefits of setting up a third-party special needs trust, and how to avoid the scary possibility of guardianship.

[01:24] Getting to Know Kenneth Piercy

[04:33] Understanding Special Needs Planning

[07:23] The Relative Risk of Divorce For Parents of Children With Special Needs

[08:42] How Special Needs Planning Has Evolved Over the Past Decade

[13:40] The Benefits of Working With a Special Needs Expert

[18:00] The First Step When Setting Up a Special Needs Plan

[20:27] How Often Should You Review a Special Needs Plan?

[21:48] The Ever-Evolving Duty of a Trust Protector

[24:37] The Biggest Mistake People Make with Special Needs Planning

[27:00] Why You Need an Experienced Estate Planning Attorney

[31:43] First-Party Versus Third-Party Special Needs Trusts

[35:00] The Benefits of Setting Up a Third-Party Special Needs Trust

[37:53] The Best Times to Get an Asset Manager

[43:20] Ken's Advice to People Yet to Set Up a Special Needs Trust

[45:40] Elder Law and Estate Planning

[50:26] Avoiding the Scary Possibility of Guardianship

[52:40] 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 the new IRA rules on required minimum distributions (RMD). They dissect what has changed, who is affected, and some smart planning steps you could take to minimize the tax hit, both in your own lifetime and for your heirs.

[03:56] The New IRA Rules on Required Minimum Distributions (RMD)

[07:12] Roth Conversions and Why They Are So Important

[08:50] How Your Beneficiaries Will Be Impacted By RMDs

[15:10] The Glaring Mixup From The Proposed RMD Changes

[19:40] Tax Penalties From Expected Minimum Withdrawals

[21:42] Tax-Efficient Strategies to Get The Most Out of RMDs

[23:40] Life Expectancy Changes and The 10-Year Rule

[25:20] Asset Locations and RMDs

[29:20] The Rules on RMDs for Inherited Beneficiaries

[33:50] SECURE ACT 2.0

[38:30] The Benefits of Having a Thorough Understanding of These Rules

[40:05] 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 how rising interest rates will affect home prices in the US. They discuss how the Fed uses low-interest rates to combat inflation, the best economic environments to buy a house, and the historical average mortgage rates in the US.

[04:40] Fed Rates and the Low-Interest Rate Environment

[08:25] How the Fed Uses Interest Rates to Combat Inflation

[10:10] How Interest rates Affect the Housing Markets

[13:45] Impact of the Low-Interest Rate Environment on the Economy

[18:44] Cutbacks on Spending and the Recession Risk

[22:05] The Housing Prices Dynamic in Response to Low-Interest Rates

[27:07] The Historical Average Mortgage Rates in the US

[31:20] Primary Variables Affecting Home Prices

[34:21] Millennials in the Housing Market

[38:15] Should You Buy a Home Right Now or Wait a Year?

[40:42] Adjustable Rate Mortgages

[46:18] Interest Rate Speculations

[48:55] Peak Inflation and How it Might Affect Mortgage Rates

[50:50] How Serial Entrepreneurs are Building Impact-Led Businesses Around the World

[55:40] 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 break down some of the leading password managers and explain why it might be a good idea to have a password manager. They talk about the reasons why most people don't have a password manager, the risks of reusing similar passwords, and the best password managers for business or family use.

[04:30] How to Hack-Proof Your Passwords

[06:40] Top Brands in the Password Manager Space

[10:23] The Best Password Managers For Businesses 

[12:00] Key Features of the Keeper Software Manager

[13:15] Why Roshan Settled on LastPass Password Manager

[15:55] The Reason Why Most People Don't Have a Password Manager 

[18:27] The Risks Associated with Weak Passwords 

[21:00] How to Save Your Passwords Automatically 

[22:51] Password Managers, Browser Extensions, and VPN Use

[30:10] Understanding the Google Authentication Tool

[32:03] The Trusted Contacts and Family Feature 

[38:15] 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 break down strategies investors can use to invest even when inflation is running hot. They talk about peak inflation, investment options during peak inflation, and the gold versus bitcoin debate during times of inflation.

[02:55] What is Peak Inflation?

[05:55] Inflation and What to Expect in 2022

[08:33] The Long-lasting Effects of Inflation

[12:09] Central Bank's Target for the Fed Fund Rate

[13:56] Investing in Treasury Inflation-Protected Securities

[16:01] How to Buy Exchange Traded Funds

[19:10] The Impact of Inflation on Commodities

[22:31] Position Sizing When Dealing with Risky Assets

[23:20] Gold Versus Bitcoin During Times of Inflation

[26:02] Comparing Stocks to a Combined Stock and Bond Portfolio

[29:10] How Real Estates are Keeping Up with Inflation

[32:40] Tax Efficient Investing in an Inflationary Environment

[34:57] Short-term Bonds and Cash at Hand

[36:20] What are Floating Rate Loans?

[38:10] How to Invest When Everything is Down

[40:50] 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.

Today on the Retirement Lifestyle Show, Erik Olson and Adrian Nicholson break down the new features of the proposed SECURE Act 2.0. They discuss how the act will improve retirement planning, the potential tax consequences to expect from the plan, and the best times to increase your catch-up contributions.

[02:52] The SECURE Act 2.0

[06:05] Required Minimum Distributions in The SECURE ACT 2.0

[07:24] What is a Required Minimum Distribution (RMD)?

[09:15] Potential Tax Consequences From the New RMD Rules

[11:20] Taxes, Life Expectancy, and Retirement Planning

[13:12] How to Plan For Qualified Charitable Distributions

[18:50] How the Auto-Enrollment Feature Will Improve Retirement Saving

[23:00] Lucrative Retirement Saving Incentives

[24:10] How and When To Increase Your Catch-Up Contributions

[26:20] Roth Conversions and Catch-up Contributions

[32:05] The Expected Boost in Saver's Credit

[35:57] Matching Contributions For Student Loan Payments

[42:10] Changes to Expect From Your 403B Plan

[45:18] 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 how today's investor is handling the Ukrainian war, rate hikes, inflation and other major threats targeting their portfolio. They discuss supply chain concerns, how to make portfolio adjustments during uncertain times, and the link between rate hikes and high inflation.

[05:10] Investing During Uncertain Times

[06:15] Why it Can Be a Challenge to Invest During Uncertain Times

[09:06] Randomized Approaches and Lower Rates of Returns

[15:30] How and When to Make Adjustments When Necessary

[17:14] How Inflation Might Influence Your Retirement Plans

[18:52] Supply Chain Concerns and Inflation

[21:30] The Great Resignation and Government Spending

[25:30] Pent Up Spending and the Risk of Inflation

[27:13] What is Sticky Inflation?

[32:10] Asset Classes That Perform Better During Inflation

[34:50] The Benefits of Having a Diversified Investment Strategy

[39:58] Interest Rates and What That Means To Your Investments

[44:01] Understanding High Inflation and Rate Hikes

[46:06] What History Says of High-Interest Rate Environments

[51:45] Bond Market Response to Inflation

55:40] Russia's Invasion of Ukraine

[01:01:06] Summary

[01:03:11] 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 targeted topics to help you win in this year’s tax season. They talk about the common tax scams to watch out for in 2022, efficient tax location strategies, and the benefits of using a defined benefit retirement plan.

[04:50] What Is Asset Location?

[07:20] Understanding Efficient Tax Distributions

[10:45] Top Asset Location Opportunities You Should Know About

[14:40] Tax Scams to Watch Out For in 2022

[16:07] Stimulus Payment Scams and Robo Calls

[17:57] Tips to Help You Identify and Avoid Tax Scams

[23:10] How to Avoid a Huge Tax Bill

[27:20] A Defined Benefit Retirement Plan

[36:18] How and When to Use a Defined Benefit Retirement Plan

[37:40] 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.