Retirement Lifestyle Show with Roshan Loungani and Adrian Nicholson

Today on the Retirement Lifestyle Show, Eric Olson and Adrian Nicholson discuss Medicare's open enrollment. They go through the seven commonly asked questions about Medicare enrollment, how to get ready, and ways to avoid the lifetime penalties of late enrollment.

[01:20] Introduction

[02:39] Medicare Open Enrollment and Why It's Important

[04:10] What is Open Enrollment?

[07:00] Understanding Medicare Advantage Plan

[09:30] Benefits of Planning for a Medicare Supplemental Plan

[16:10] Late Enrolment Penalties

[19:17] Medicare Advantage vs. Medicare Supplement

[21:45] Medicare Medical Savings Account Explained

[24:25] What is a Health Savings Account?

[27:00] Health Plan Shopping Checklist

[32:00] The Average Cost of Medicare

[34:20] Medicare Special Enrolment Periods

[36:10] What to Look Out For When Choosing a Medicare Plan

[40:30] 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, Eric Olson, and Adrian Nicholson break down the latest edition of JP Morgan's Economic and Market Outlook. They discuss the current economic and investment landscape and how investors can use this information to make concrete investment decisions.

[02:32] JP Morgan's Guide to market

[03:55] Returns and Valuations by Style

[06:55] Using Data and Valuations to Make Investment Decisions

[08:26] Large Growth Versus Large Value

[10:10] The Case For Long-term Value Investing

[14:04] Growth Rates in the Economy

[18:55] The Labor Market is a Bright Spot in the Economy

[23:55] Inflation: CPI Versus Core CPI

[28:43] Things That Contribute to Headline Inflation

[31:10] Federal Fund Rate Expectations

[32:42] Bull and Bear Markets

[36:35] The Strong Correlation Between Depth of Decline and Months to Recovery

[41:32] Global Market Expectations

[43:36] The Consumer Sentiment Index

[48:43] Global Valuations

[52:38] The S&P 500 Price Index

[58:20] Highlights From Adrian's Wedding

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, Eric Olson, and Adrian Nicholson discuss whether the 60/40 portfolio is dead. They analyze how the traditional framework is catching heat with both equities and bonds down this year and some alternative investment options you can take advantage of.

[00:59] Introduction

[04:36] Is the 60/40 Portfolio Dead?

[07:07] Understanding the Client-Advisor Relationship

[09:10] Some Better Alternatives to the 60/40 Portfolio

[12:05] Historical Spectrum of Returns in the 60/40 Portfolio

[15:15] Worst-Performing Years in the 60/40 Portfolio

[23:15] The Stock/Bond Correlation

[27:25] Normal Vs Abnormal Stock/Bond Correlation

[29:30] A Personalized Approach to Investing

[31:10] When Both Bonds and Stocks Go Up or Down in the Same Year

[33:30] Attractive Bond Substitutes

[36:10] The 60/20/20 Portfolio of Stocks, Bonds, and Alternatives

[37:10] Identifying Opportunities When Trading Options

[40:28] 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 and Adrian Nicholson go through strategies you can implement to refine your year-end financial plan, set goals for next year, and minimize taxes for this year. They discuss the benefits of planning for major life changes, tax loss harvesting, and the new kid in the block Qualified Charitable Distribution.

[01:45] Year-end Planning

[02:01] Time to Update Your Financial Plan

[04:50] Planning for Major Life Changes

[05:18] Reviewing Liabilities on Your Balance Sheet

[09:54] Lending Money to the Companies and the Government

[13:04] Assessing Asset Allocation Before Year-end

[15:31] Difference Between Investment Planning and Having a Plan

[17:00] Insurance Reviews and Estate Planning

[18:50] A Good Time to Give To Family and Charity

[24:57] The Benefits of Gifting Highly-Appreciated Securities

[25:48] What is a Qualified Charitable Distribution?

[28:57] Funding Future Giving Using Donor-Advised Funds

[32:35] Now is a good time for Roth conversions

[33:19] Understanding Tax loss harvesting

[39:00] Withdrawing the Required Minimum Distributions Before the Year Ends

[39:50] Why You Need to Protect Yourself Against

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 assess the current economic and market landscape and how your investment expectations should evolve. They discuss what a strong dollar means for the economy, Bond interest rate risks, and how the Ukraine conflict is affecting the U.S economy.

[02:30] Overall Macroeconomic Outlook of the Markets

[05:45] The Fed is Increasingly Subject to Political Pressure

[08:05] What is a Fed Pivot?

[11:21] What The Strengthening of the Dollar Means

[15:18] How the Conflict in Ukraine is Affecting Europe and the U.S

[18:06] Energy Stocks in the S&P 500

[21:10] The U.S is Headed Towards a Recession

[24:17] The #1 Role of Your Financial Advisor

[28:05] 20-Year Treasury Vs. S&P 500 and NASDAQ

[28:58] Bond Interest Rate Risk

[32:28] Stocks Expected to Drop Even Further

[37:40] Incentives to Owning Bonds

[39:48] How to Spot the More Lucrative Stocks During This Down Market

[45:40] What Are You Buying?

[48:50] We Are Now in a Stock Pickers Market

[51:30] 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 assess whether it makes sense to invest in Alternative investments in the current economic environment. They also share some key takeaways from the 15th Arete Wealth Management Conference.

[02:05] Introduction

[05:00] What are Alternative Investments?

[07:07] Are There Opportunities in the Alternative Investment Space?

[08:52] The Problems With Illiquid Alternative Investments

[10:27] Alternative Investing is Not For Everyone

[14:05] How Interest Rates Affect Alternative Investment Options

[15:58] Volatility and Risk of Alternative Investing

[17:50] The Structure of Most Alternative Investment Deals

[21:07] Deciding if Alternative Investing Makes Sense For You

[25:15] Portfolio Diversification Benefits

[28:45] Investment Risk Management

[33:41] Proactive Investment Planning with Roth Conversions

[39:00] The Semi-liquid Private Equity Space

[43:01] Pros and Cons of Semi-liquid Investment Options

[46:40] Why Adrian Missed the Arete Wealth Management Conference

[49:45] 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 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.