Retirement Plan Playbook

The Retirement Plan Playbook podcast, hosted by Brent Pasqua, Matthew Theal, and Joshua Winterswyk of Evermont Wealth, explores investment strategies, retirement planning, and current events. They aim to equip listeners with insights to build a robust retirement playbook that can adapt to any political or economic climate.

This episode discusses the stock market, interest rates, inflation in relation to the Federal Reserve's decisions, and the influence of tech companies Nvidia and Super Microcomputer on the stock market. They also touch upon a major acquisition by Capital One and delve into the complexities of making deductible IRA contributions.

00:36 Hosts' Casual Conversation and Personal Stories

03:08 Deep Dive into the CPI and Inflation

05:32 Nvidia's Earnings and Impact on the Market

09:03 Super Microcomputer: A New Player in the Market

11:41 Capital One's Acquisition of Discover Card

14:15 Jeff Bezos Selling Amazon Stock: An Analysis

17:33 Understanding IRA Contributions

18:54 The Impact of Roth IRA Contributions on IRA Eligibility

19:37 The Potential of Splitting IRA and Roth Contributions

23:59 Understanding the IRA Contribution Eligibility for Married Couples

27:06 Evermont Recommends: TV Shows and MLS Season

Connect with Evermont Wealth: 

• [email protected]

In this episode of the Retirement Plan Playbook, hosts Brent Pasqua, Matthew Theal, and Joshua Winterswyk discuss the concept of sequence risk in retirement planning.

Sequence risk refers to the risk of receiving lower or negative returns early in a period when retirees begin to withdraw money from their retirement funds. They examine how strategies like portfolio diversification, maintaining a bigger cash reserve, and hiring a financial planner can mitigate sequence risk.

Nevertheless, they caution against relying on annuities, as they often yield poor returns.

00:02 Introduction to the Retirement Plan Playbook

02:21 Impact of Southern California’s Rain Storm

03:38 Discussing Federal Reserve Meeting and Interest Rates

09:03 Exploring the Influence of Tech Companies on Economy

13:24 Deep Dive into Sequence Risk and Retirement Planning

23:28 The Impact of Market Downturns on Retirement Portfolios

26:14 Strategies to Mitigate Sequence Risk

28:19 The Importance of Detailed Planning and Clear Communication

28:36 The Fear of Missing Out (FOMO) in Investment Decisions

29:30 The Controversy Surrounding Annuities

34:11 The Role of Financial Advisors in Retirement Planning

35:35 The Importance of Proactive Planning and Review

37:24 The Importance of Tax Planning in Retirement

38:35 Final Thoughts on Sequence Risk and Retirement Planning

40:46 Recommendations and Concluding Remarks

Connect with Evermont Wealth: 

• [email protected]

On this episode of The Retirement Plan Playbook, hosts, Brent Pasqua, Matthew Theal, and Joshua Winterswyk of Evermont Wealth, discuss the 4% withdrawal rule, a guideline that helps to craft a sustainable retirement plan. The rule suggests that retirees can withdraw 4% of their portfolio every year during retirement, adjusting for inflation subsequently, and the portfolio should, theoretically, last for 30 years.

However, the participants emphasize the complexity of the rule and the dynamic nature of the planning based on lifestyle, market conditions, taxes, and unforeseen needs. They also debate the rule’s limitations and potential misapplications, presenting a case for a personalized approach to financial management.

00:02 Introduction to the Retirement Plan Playbook

00:55 Discussion on the 4% Withdrawal Rate

01:41 Super Bowl Excitement and Predictions

04:06 Exploring the New Apple Vision Pro

08:53 Netflix's Entry into Live Sports

12:12 Understanding the 4% Rule for Retirement

21:58 The Bowling Alley Analogy: Guardrails in Financial Planning

22:31 The Importance of Flexibility in Retirement Income Planning

26:34 The Challenge of Conservative Investment and Income Approaches

28:09 The Art of Retirement Planning: Individualizing the Approach

30:33 The Impact of Taxes on Retirement Withdrawals

32:01 The Importance of Regular Financial Review and Planning

35:16 Final Thoughts on the 4% Rule and Retirement Planning

Connect with Evermont Wealth: 

• [email protected]

In this episode of the Retirement Plan Playbook podcast, Brent Pasqua, Matthew Theal and Joshua Winterswyk, of Evermont Wealth, discusses the company's rebranding in order to build stronger brand recognition and better align with their vision for the future.

The podcast also recaps market trends from 2023. An optimistic year that defied bearish predictions, major indexes like the S&P 500 and the Nasdaq saw returns of over 24 and 43% respectively.

Despite challenges like increased layoffs in a variety of sectors and potential inflation, the overarching strategy remains passive investing. In terms of what could stall the ongoing rally, factors such as increased inflation, economic slowdown, and escalation of global conflicts were identified.

The episode also highlights the approval of Bitcoin ETFs as a revolutionary step which could steer retirement planning in 2024. Brent shares his personal plan to continue building on AI-focused stocks, reflecting a widespread optimism towards AI's future. The episode concludes with some personal anecdotes and well wishes for a great year ahead.

00:01 Introduction and Welcome Back

00:28 Discussing the Rebranding from RPA to Evermont

02:46 The Importance of a Good Company Name

04:00 The Journey to the New Brand Name: Evermont

06:28 The Significance of the New Logo

06:49 Reflecting on the Rebranding Process

08:28 The Impact of the Rebranding on the Company's Future

10:45 Recapping the Market Performance in 2023

12:54 Investing Lessons from 2023

16:23 Investing Trends for 2024

21:02 Favorite Purchases of 2023

23:03 Discussing a Recent Concert Experience

23:38 Sharing Favorite NFL Team Experiences

24:46 Office Remodeling and Family Trip to Disney World

25:47 Reflecting on the Value of Experiences Over Materialistic Purchases

26:50 Predicting Market Trends for 2024

29:58 Changes in Retirement Planning in 2024

34:14 Personal Investment Strategies for 2024

38:50 Anticipated Big Purchases for 2024

42:01 Closing Thoughts and Wishes for a Prosperous Year

Connect with Evermont Wealth: 

• [email protected]

In this episode, we provide a comprehensive review of the financial market's performance over the past quarter. 

We begin with a discussion on:

• The significant drop in inflation rates, a key indicator of economic health.

In our Retirement Planning Corner, we provide an overview of:

• The year-to-date returns of major indices, including the Dow Jones Industrial Average, S&P 500, and Nasdaq Composite.

We also share our personal investment strategies and financial planning goals, offering insights into:

• Our portfolio management tactics.

Whether you're a seasoned investor or just starting out, this episode is packed with valuable insights and expert analysis on the latest market trends and financial planning strategies.

Connect with RPA Wealth Management: 

• [email protected] 

Are you tired of earning 0% interest on your cash? Do you want to know how to make your money work for you and earn up to 5.00% APY on the cash in your bank account? 

In this episode, we will discuss the best ways to earn interest on your cash, even if it's earning 0%. We will cover everything from high-yield savings accounts to CDs to money market funds. So whether you have a little bit of cash or a lot, we have something for you. 

Matthew, Brent, and Joshua discuss:

• Matthew's new child! 

Resources:

Connect with RPA Wealth Management: 

• [email protected] 

The idea of retiring may seem like a distant dream, but it’s important to remember that it is never too early to start planning for it.

In this episode, RPA Wealth discusses a topic that many soon-to-be retirees are facing: how to maintain financial security in retirement while changing retirement goals. 

The current economic climate is forcing many individuals and families to reassess their retirement plans and make necessary adjustments, so how do you go about making these adjustments and how can you tell when the adjustments need to be made in the first place?

Matthew, Brent, and Joshua discuss:

• What steps to take when you want to change a major retirement goal

Resources:

• Retirement Plan Playbook: Should You Be Buying A House Right Now? (Ep.89)

Connect with RPA Wealth Management: 

• [email protected] 

The state of the housing market continues to evolve, but one question Americans keep asking themselves remains constant: Should I be selling or buying a home right now?

In this episode, RPA Wealth delves into the state of the housing market in California and how interest rates are affecting it. The episode begins with an overview of the current state of the housing market and a discussion about what is contributing to the high demand for housing.

Matthew, Brent, and Joshua discuss:

• How to find out if right now is a good time to be buying or selling your house 

Resources:

• Retirement Plan Playbook: Our Take On The Silicon Valley Bank Issue (Ep. 88)

Connect with RPA Wealth Management: 

• [email protected] 

The Silicon Valley bank issue, the future of the automotive industry, and the constant rise of inflation are making the heads of Americans spin!

Needless to say, there’s a lot going on in the financial world right now, and RPA Wealth is ready to dive right into it.

In this episode, Matthew Theal, Brent Pasqua, and Joshua Winterswyk discuss some of the hottest headlines in the financial industry by sharing their insights, making educated predictions, and so much more!

Matthew, Brent, and Joshua discuss:

• Some important updates about the Silicon Valley bank issue

Resources:

• Retirement Plan Playbook: Preparing for Retirement: Why Physical Fitness Should Be Part of Your Plan With Marissa Almendarez (Ep. 87)

Connect with RPA Wealth Management: 

• [email protected] 

Preparing yourself financially for retirement is important, but have you ever thought about how you can prepare yourself physically for retirement?

In this episode, Marissa Almendarez is on the show to discuss the different ways you can start implementing physical activity into your day, whether you are in your 20s, 50s, and even 80s!

Marissa discusses:

• How to find your motivation when working out

Resources:

• Website: Make Good Moves

Connect with Marissa Almendarez:

• Instagram: @marissa_almendarez

Connect with RPA Wealth Management: 

• [email protected] 

About our Guest: 

Marissa is a fitness expert and a personal trainer who's been helping people achieve their fitness goals since 2011 with a passion for healthy living and a desire to help people find balance.

Marissa believes that fitness is a lifelong journey and strives to make sustainable changes in her clients' lives. She co-founded an event called Climb for a Cure in 2015 which later became the nonprofit, Make Good Moves, and has helped raise more than $100,000 for stage four metastatic breast cancer research awareness and patient and family support.

Marissa's also a successful entrepreneur and mentor to a team of close to over a hundred trainers, and she works through the Self-Made West Covina and Self-made Chino Hills, where she co-owns those gyms. She has a limited personal training clientele and co-hosts the Mixtape Talks podcast and social events.

Marissa recently became a mom and credits her healthy pregnancy and recovery to a lifestyle she has created for herself since 2011.