Retirement Lifestyle Show with Roshan Loungani and Adrian Nicholson

Today the Retirement Lifestyle Show focuses on financial abuse of older people , including scams by con artists representing themselves as everything from government representatives to tech support, home energy auditors, distressed grandchildren, and even new romantic interests.

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 decode whether the current market environment is bullish or bearish. They talk about structured notes, the yield curve, the prospect of an imminent recession, and how to invest depending on whether the markets move up, down, or sideways.

[03:32] Introduction

[07:15] Macroeconomic Factors and the Current Investing Environment

[09:50] Are We In a Recessionary Environment?

[15:15] The Yield Curve: A Recessionary Signal?

[17:00] The Relationship Between a Bond's Price and Yield to Maturity

[22:45] Market Declines and Future Projections

[26:38] Length of Market Recovery and Making Investment Decisions

[29:20] Policy Responses and Inflation Fighting Tools

[34:30] Growth Versus Value Stocks in the Current Market Environment

[42:20] Ideas About Allocations

[49:43] Opportunities in the Current Market Environment

[50:54] Structured Notes and How They Work

[55:50] 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, Roshan Loungani, Erik Olson, and Adrian Nicholson talk to Jeff Konfara, a Licensed Professional Counselor serving the entire State of Michigan via telehealth services. Jeff provides counseling services to individuals, couples, and families and has been doing so for over 15 years. They talk about why people seek counseling, what to look for in a counselor, and the tell-tale signs you might need therapy.

[02:17] Getting to Know Jeff Konfara

[04:54] Why Do People Seek Counseling?

[08:21] The Reason Why More People Went Into Therapy Post Covid

[10:07] Why You Need to Let Go of Past Hurt and Embrace Healing

[14:22] Tell-Tale Signs You Might Need Counseling Help

[17:00] Qualities to Look For When Choosing a Counselor

[20:25] Jeff's Interactions with Marriage-related Relationship Issues

[22:47] What to Expect on Your First Meeting with a Counselor

[26:37] How to Prevent Healed Trauma From Coming Back

[29:12] The Wellness Wheel and Why It's Important

[33:42] Everyday Activities To Help Protect Your Mental Health

[35:20] The Eight Components of the Wellness Wheel

[36:14] The Rising Rates of Loneliness Post Covid

[39:15] Is Technology Making Us Lonely?

[43:36] How Jeff Got Into Counselling

[46:05] 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 welcome Greg Alexander, a retired chemical engineer who recently tackled the El Camino de Santiago pilgrimage. They discuss the benefits of going on the pilgrimage, how to prepare for it, and the best times to tackle the voyage when there’s less traffic.

[10:41] Getting to Know Greg Alexander

[03:30] Why Greg Wanted to Go on the Camino de Santiago

[10:45] Trekking 260Km Through the Portuguese Route

[11:30] Planning for The Pilgrimage

[14:58] Greg’s Most Memorable Moments on the Voyage

[19:29] How to Get Certified After Tackling the El Camino

[23:55] Seasonality of the Trekk and the Number of People That Take on the Voyage

[28:20] What To Do A Couple of Weeks Before Leaving for the Journey

[32:20] How to Physically Prepare For the Journey

[37:05] Emotionally Prepare for the Tough Journey

[43:03] What to Do When You Feel Like Quitting Midway

[48:13] Key Takeaways From Greg’s Journey

[52:10] 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 Jeff Wallace, the Vice President and Relationship Manager for National Christian Foundation, a non-profit organization that assists donors in donating to charitable causes. They talk about the benefits of charitable giving, how donor-advised funds operate, and how generosity can lead to real happiness in life.

[01:50] Getting to Know Jeff Wallace

[05:50] Living an Impact-Led Life

[07:40] The Relationship Between Generosity and Happiness

[10:19] How to Be More Intentional with Your Generosity

[16:45] What is a Charitable Checking Account?

[18:39] Jeff's Background and How Generosity Has Impacted His Life

[24:35] The Benefits of Raising a Family that Understands Charitable Giving

[31:20] Building Generous Communities

[34:10] How Charitable Giving Positively Impacts Your Taxes

[36:39] Donor-advised Funds and How They Operate

[39:51] Why You Never Want to Donate Cash to a Charity

[45:45] Why Real Estate Is Such a Powerful Charitable Gift

[50:04] Pros and Cons of Setting Up a Private Foundation

[55:41] Key Differences Between a Charity and a Business

[01:05:40] When to Start Investing in a Donor Advised Fund

[01:10:09] 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 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.