Retirement Lifestyle Show with Roshan Loungani and Adrian Nicholson

Today on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson continue their discussion on tax allocation by focusing on 5 client cases. They analyze proper asset allocation strategies, delaying social security, and the factor of life expectancy when planning for retirement.

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.

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#retirementlifestylepodcast #fire #podcast #FI #Retire #retirewithroshan

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 address one of the least understood yet important principles of outsmarting the tax code-- tax allocation. They analyze the different tax brackets, the concept of asset allocation, and the tax-efficient investment strategy.

[06:05] The Concept of Asset Allocation

[10:24] It's Never too Late to Think About a Tax-Efficient Portfolio

[15:31] Analyzing the Different Tax Brackets

[19:54] Stocks Versus Mutual Funds

[23:40] Differentiating a Tax-Deferred Account from a Tax-Free Account

[26:30] How to Strategically Switch Through Different Tax Accounts

[28:50] Portfolio Items Commonly Found in the Tax-Free Account

[37:04] Summary of the Tax-Efficient Investment Strategy

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

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 this episode of the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson focus on one of the most talked-about financial topics right now: inflation. They analyze whether the Feds can control it, its effect on the average investor, and the role of price expectation in inflation.

[06:34] Real-life Inflation Example

[09:10] Defining Inflation

[11:15] Dissecting Inflation from a Core Versus Headline Perspective

[16:34] The M2 Money Velocity

[26:00] Do you Need to Worry About Inflation?

[34:30] The Role of Price Expectation in Inflation

[44:50] Pros and Cons of Deficit Spending

[50:34] How Investors Should Respond to Inflation

[55:43] The Link Between Cryptocurrency and Inflation

Links and Resources

Credit and Liquidity Programs and the Balance Sheet, Underlying Inflation Dashboard, Inflation Expectations from the Federal Reserve Bank of New York, Survey of Professional Forecasters, The 5-Year Breakeven Inflation Rate, M2 Money Stock, Personal Consumption Expenditures Excluding Food and Energy, JPMorgan’s Guide to the Markets, Daily Treasury Yield Curve Rates, Federal Deficit Trends over Time, Dangerous Monetary Manipulations and Fiscal Follies

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://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

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 Jason Myhre, managing partner and director of advocacy at Eventide about values-based investing: the misconceptions around it and practical strategies you can apply.

[00:03:32] Investing that Makes the World Rejoice

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

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

The Retirement Lifestyle Show discusses a hypothetical client's retirement plans. They debate on when the client should take social security, which portions of her wealth she should draw from first and analyze the taxable portions of her portfolio.

[02:28] Transitioning into retirement

[06:15] Maintaining your taxable income below the Social Security limit

[14:30] Converting money from a traditional IRA into a Roth IRA

[29:35] The pros and cons of converting at a higher tax rate

[40:20] Timing Social Security withdrawals

[43:30] Analyzing the taxable portion of one's portfolio

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.

Website: https://retirementlifestyleshow.com/

Check out the Retire with Roshan website, the Retire with Roshan Facebook page, Roshan’s Twitter, Roshan’s LinkedIn, Erik’s LinkedIn, and Adrian’s LinkedIn.

All opinions expressed by podcast hosts and guests are solely their own. While based on information that 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 talk about financial finish lines and how to set them. They tackle the question of “how much is enough?” from economic, social, and cultural points of view.

[03:57] Financial Finish Lines

[08:58] Absolute vs. Relative Wealth

[15:20] Can Money Buy Happiness?

[18:03] Greatest Predictor of Health & Happiness

[22:50] What to Do beyond a Financial Finish Line?

[26:22] Four Questions to Help You Set Financial Finish Lines

[30:13] Transition from Coveting to Contentment

[35:10] Make Generosity a Part of Your Plan.

How Much Income is “Enough”?

A study was conducted by Kahneman and Deaton in 2010 that wanted to find out how much income is enough to assure a sense of well-being. They found that well-being did not significantly improve beyond an annual income of 75,000 USD, which is equivalent to 92,000 USD today.

A longitudinal study by Harvard that spanned almost 80 years found that relationships contributed the most to happiness. At age 50, the best predictor of health in your 80s is the quality of your relationships. Watch Robert Waldinger’s TED Talk about the longest study of happiness here.

Website: https://retirementlifestyleshow.com/

Check out the Retire with Roshan website, the Retire with Roshan Facebook page, Roshan’s Twitter, Roshan’s LinkedIn, Erik’s LinkedIn, and Adrian’s LinkedIn.

All opinions expressed by podcast hosts and guests are solely their own. While based on information that 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 

This episode of the Retirement Lifestyle show centered around options. Option buyers can have the option, but not the obligation to buy or sell something at a preset price within a preset period of time. They can reduce risk for a price of course, but use recklessly they can be instruments of financial self destruction. We discuss how they work, what the opportunities are, what the risks are, and what your next steps might be in learning more. All that and more. Right now on the Retirement Lifestyle Show.

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.

Website: https://retirementlifestyleshow.com/

Check out the Retire with Roshan website, the Retire with Roshan Facebook page, Roshan’s Twitter, Roshan’s LinkedIn, Erik’s LinkedIn, and Adrian’s LinkedIn.

All opinions expressed by podcast hosts and guests are solely their own. While based on information that 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 Roth conversions and Tax rates. They discuss withdrawal and Roth conversion strategies, how to intelligently grow your tax-free assets, and how tax rates can affect your retirement plans.

[04:38] Difference between Roth IRA and traditional IRA

[14:10] Why tax rates and Roth conversions are important

[19:27] How to ensure Roth conversions are as inexpensive as possible

[25:28] Analyzing different Roth conversions strategies

[34:50] Cons of implementing Roth conversions

[37:12] Assessing the current tax brackets

[44:11] Effects of combining a withdrawal strategy and Roth conversions

[48:55] How to intelligently grow the tax-free portion of your portfolio

Check out the mentioned withdrawal strategies and Roth IRA conversions.

Website: https://retirementlifestyleshow.com/

Also, check out the Retire with Roshan website, the Retire with Roshan Facebook page, Roshan's Twitter, Roshan's LinkedIn, Erik's LinkedIn, and Adrian's LinkedIn.

All opinions expressed by podcast hosts and guests are solely their own. While based on information that 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.

This episode of the Retirement Lifestyle Show focuses on sustainable investing. What is sustainable investing? How can you incorporate it into your portfolio? These are among the topics and more that we discuss to see how investing along with your values can fit into your financial future

[04:55] EGS as a Subset of Value-Based Investing

[09:10] Components of EGS Investing

[13:24] How to Implement EGS investing

[17:30] Risk Versus Returns

[28:39] Practical Examples of how Sustainable Investing Affects our Communities.

[33:18] Investment opportunities in the EGS Space

[41:50] How Tech Firms Perform in the EGS Space

[45:55] Impact Versions of Private Investments

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.

Website: https://retirementlifestyleshow.com/

Check out the Retire with Roshan website, the Retire with Roshan Facebook page, Roshan’s Twitter, Roshan’s LinkedIn, Erik’s LinkedIn, and Adrian’s LinkedIn.

All opinions expressed by podcast hosts and guests are solely their own. While based on information that 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.

Roshan Loungani, Erik Olson, and Adrian Nicholson are back with the second installment of Battle of the Plans III, Part 2. They continue the discussion to see the different investment tactics a hypothetical couple can implement in their plan. In Part I, the hosts discussed optimal withdrawal strategies, the couple’s spending levels, and how they can manage the risk of long-term care. In this episode, Roshan and Erik examine the couple’s investment portfolio. They debate how best to balance managing volatility and seeking growth and how much cash the couple should hold in reserve. They also present the potential tax benefits of variable and fixed annuities, the tax implications of Roth IRA conversions, and how the couple can optimally allocate their portfolio across taxable, tax-deferred, and tax-free accounts.

[03:03] Background

[04:47] Determining Risk Tolerance

[19:47] Conservative, Moderate and Aggressive Asset Allocations

[22:58] Asset Allocation, Roth IRAs and Tax Efficient Investments

[31:32] Variable and Fixed Annuities: Opportunity Cost, Tax Deferral and Living Benefit Riders

[50:42] Refinance vs. Reverse Mortgage

[59:48] Diversifying a Portfolio Outside of Conventional Asset Classes

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.

Website: https://retirementlifestyleshow.com/

Check out the Retire with Roshan website, the Retire with Roshan Facebook page, Roshan’s Twitter, Roshan’s LinkedIn, Erik’s LinkedIn, and Adrian’s LinkedIn.

All opinions expressed by podcast hosts and guests are solely their own. While based on information that 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.