This week I’m talking about materialism and how it might be wrecking your retirement. Materialism places utmost importance on money, the things money can buy, and outward signs of financial success. 

Today, I’m exploring the irrationality of materialism. 

Deep down, we all know we can’t take our possessions with us when we die. But many of us, myself included, behave as if we can. 

My favorite example of the irrationality of materialism is King Tut, and the other ancient Egyptian pharaohs. They believed that you could take all your stuff with you into the afterlife. When King Tuts tomb was discovered in the early 20th century, they found all of his crap, still there, much of it rotted away. 

King Tut was buried with 36 jars of wine and eight baskets of fruit. Hopefully, he was able to at least eat a few snacks and enjoy some of that wine on his journey into the afterlife. It sounds ridiculous and gives a whole new meaning to aged fine wine, but how different is it really in how we behave today? 

I think the right approach to accumulating wealth and possessions is to settle on a reasonable definition of what is enough for you. Enough to satisfy your basic needs in retirement, to cover health care costs, keep up with inflation, provide some cushion during market downturns, and allow you to have fun and pursue hobbies and interests that are meaningful to you. 

Once you have enough for this, it’s important to stop and ask yourself why you continue to accumulate more. 

I know this can be a challenge because it’s a struggle for me to. I am constantly woo’d into the pursuit of materialism and more, we’re bombarded with the parade of celebrity excess and more more more, and they all seem to be having so much damn fun, that it’s hard to ignore. 

I’ve been reflecting a lot on my own materialistic habits over the last 6 months or so, and only after speaking with a couple of people I respect in this area and reading a book on this very topic, have I seen the light on accumulating more in an attempt to find pleasure, contentment, and happiness. If I’m being honest, a big motivation to write these tips is to further convince myself on the fruitless pursuit of more for its own sake. 

I still have a long way to go. 

That’s it for today. Thanks for listening. My name is Ashley Micciche and this is the One Minute Retirement Tip. 

----------

>>> Subscribe on iTunes: https://apple.co/2DI2LSP

>>> Subscribe on Amazon Alexa: https://amzn.to/2xRKrCs

>>> Check out our blog: https://truenorthretirementadvisors.com/blog/

----------

Tags: retirement, investing, money, finance, financial planning, retirement planning, saving money, personal finance, wealth management, fee only financial advisor, financial planner, financial podcast, retirement podcast, financial independence podcast, materialism, disadvantages of being materialistic, causes of materialism, materialism in society, how to beat materialism, materialistic

This week I’m talking about materialism and how it might be wrecking your retirement. Materialism places utmost importance on money, the things money can buy, and outward signs of financial success. 

Yesterday, I talked about how too much debt might be wrecking your retirement. 

Today, I’m talking about the second tell-tale sign that materialism might be wrecking your retirement: Spending choices. 

If you are already well on track for retirement and you have 6+ months worth of expenses socked away in savings at the bank, then none of what I’m about to say applies to you. But if you’re not where you should be financially, which statistically speaking is like 90% of you, then please take to heart what I’m about to say about spending choices. 

If your Christmas light display would make Clark Griswold jealous…

If you paid full price for the latest iphone the day it came out…

If you have a handbag that costs over $100…

If your monthly car payment exceeds what you’re saving for retirement every month…

If you consider shopping a hobby…

If any of the above applies to you, and you are not on track for retirement and don’t have a substantial cushion in savings for emergencies, than your spending choices, driven by materialism is probably ruining your long-term chances of financial stability and security. 

Don’t get me wrong. I’m not suggesting that you live on rice and beans so you can accumulate millions for retirement. What I am saying is that many of us put very little thought into what we spend our money on, and we often throw our hard-earned dollars at things that don’t bring joy or fulfillment. 

The key with making smart, non-materialistic spending choices with money is to be honest about your motivation. Is the spending choice driven by an intrinsic motivation that’s non-materialistic and righteous, or are you just proving a point to that son of a you-know-what across the street with a flashier Christmas light display and the new 40 foot reindeer that’s gonna really piss him off this year. 

So the next time you make a decision about how to spend your hard-earned dollar, ask yourself why you’re making the purchase. Is it motivated by materialism? Personally, I wish I would have had more awareness over how my own spending decisions have been driven by materialism…I would have figured out much sooner that stuff can’t fill the hole in our hearts and I would have spent a lot less money along the way. 

That’s it for today, but before you go, I have a favor to ask: if you haven’t already left an honest review in Amazon or iTunes for the One Minute Retirement Tip, would you take a minute to do that now? Your review helps to spread the word, and helps other people find this podcast. 

Thanks for listening! My name is Ashley Micciche and this is the One Minute Retirement Tip.

----------

>>> Subscribe on iTunes: https://apple.co/2DI2LSP

>>> Subscribe on Amazon Alexa: https://amzn.to/2xRKrCs

>>> Check out our blog: https://truenorthretirementadvisors.com/blog/

----------

Tags: retirement, investing, money, finance, financial planning, retirement planning, saving money, personal finance, wealth management, fee only financial advisor, financial planner, financial podcast, retirement podcast, financial independence podcast, materialism, disadvantages of being materialistic, causes of materialism, materialism in society, how to beat materialism, materialistic

This week I’m talking about materialism and how it might be wrecking your retirement. Materialism places utmost importance on money, the things money can buy, and outward signs of financial success. 

Today, I’m talking about the first sign that materialism might be wrecking your retirement: Debt. 

The amount of debt that Americans are dragging around is alarming. The average American now carries over $137,000 in debt, and that number has been skyrocketing for the last several decades. 

High debt and little to no savings characterizes our materialistic culture today. A nice house, 2 car payments, student loans, and $10,000 in credit card debt later, it’s no wonder that almost 40% of American adults wouldn't be able to cover a $400 emergency with cash or savings. 

We are up to our eyeballs in debt, with no savings even for the inevitable emergency, it’s no wonder that so few Americans are able to retire with confidence. I talk to too many people who are stressed out financially, but they aren’t willing to live somewhere cheaper or trade in their car for something less expensive. Too many of us have become slaves to our stuff, and it’s wrecking our happiness today because it’s stressing us out and it’s putting us further and further behind on more meaningful financial goals. 

If you aren’t on track for retirement, it’s time to take an honest look at where your money is going every month and ask yourself if you can truly afford your current lifestyle, or if you are just kicking the can down the road and sacrificing financial stability later in life for better stuff today. 

That’s it for today, but before you go, would I be correct in saying that your retirement is perhaps the most important financial decision you’ll ever make? You want to get it right. Well, so do I. For the last 12 years, I’ve been helping clients just like you make the transition into retirement. If you want to talk one-on-one with me about whether or not you can retire, head on over to truenorthra.com, where you can book a 15 minute call with me, at a time that’s convenient for you. The call is confidential, free, and I promise to help guide you on whatever is weighing most on your mind right now regarding your retirement. So head on over to truenorthra.com and book a call today. 

Thanks for listening. My name is Ashley Micciche and this is the One Minute Retirement Tip. 

---------

>>> Subscribe on iTunes: https://apple.co/2DI2LSP

>>> Subscribe on Amazon Alexa: https://amzn.to/2xRKrCs

>>> Check out our blog: https://truenorthretirementadvisors.com/blog/

----------

Tags: retirement, investing, money, finance, financial planning, retirement planning, saving money, personal finance, wealth management, fee only financial advisor, financial planner, financial podcast, retirement podcast, financial independence podcast, materialism, disadvantages of being materialistic, causes of materialism, materialism in society, how to beat materialism, materialistic

This week I’m talking about materialism and how it might be wrecking your retirement. Materialism places utmost importance on money, the things money can buy, and outward signs of financial success. 

The problem with materialism is that many of us blindly pursue more and more, with the expectation that doing so will make us happy. A higher salary, a bigger house, a nicer car, and a first class plane ticket with bring contentment. Not only does this not satisfy the hole in our hearts, unchecked materialism can also wreck you financially, especially if your materialistic impulses are driving you into debt or taking precedence over your long-term financial goals - like saving enough money for retirement. 

Today, we need to address the deeper issues behind materialism. Stopping damaging materialistic behavior goes so much deeper than an act of the will. Declarations of stopping spending so much money and cutting up your credit cards usually won’t be enough.

We have to look deeper and understand what’s driving our materialism in the first place. When the data clearly points to that wealth and money and more stuff can’t buy happiness, why do we so blindly pursue more, more, and more? 

For nearly all of our existence, we humans have been mobile creatures, and being weighed down by possessions was completely unnatural and impractical. A closet full of shoes is only a very recent luxury, and toting around that many pairs of heels would have got you killed by a wild beast, so the hoarders among our ancestors were most definitely wiped out. 

So if it’s not in our nature or our history to store up treasures here on earth, why do we do it? In my research, what I came across most is that there are two good reasons: 1 is pride and ego and 2 is that there is some type of deep unmet need that we are trying to fill with stuff. 

Pride and ego are angling for attention and for people to see you and think “wow, he’s a success” or “dang, she’s got everything”. Materialism and monetary success are easy ways in which we can measure ourselves against others, so it serves as natural fuel for our pride and ego. 

The unmet need or hole in our hearts can be a result of a number of factors, but what it boils down to is that we are unhappy and unfulfilled, often without purpose, living a life that we are less than capable of, spending time with people who bring us down who don’t really love us in the way we need them to, working a job that is sucking the life out of us, and we mistakenly believe that a new sweater or a $50 pair of underwear will fill the emptiness in our hearts. 

We are all materialistic in one way or another. The key is self-examination to get at the root of the problem so you can move on to changing your materialistic ways. 

That’s it for today. Thanks for listening. My name is Ashley Micciche and this is the One Minute Retirement Tip. 

----------

>>> Subscribe on iTunes: https://apple.co/2DI2LSP

>>> Subscribe on Amazon Alexa: https://amzn.to/2xRKrCs

>>> Check out our blog: https://truenorthretirementadvisors.com/blog/

----------

Tags: retirement, investing, money, finance, financial planning, retirement planning, saving money, personal finance, wealth management, fee only financial advisor, financial planner, financial podcast, retirement podcast, financial independence podcast, materialism, disadvantages of being materialistic, causes of materialism, materialism in society, how to beat materialism, materialistic

Welcome to a new week and a new theme here on the One Minute Retirement Tip! 

This week I’m talking about materialism and why it might be wrecking your retirement. I’ll be talking about the deeper issues behind our materialism, specific signs to look out for in your own patterns and behavior that indicate your own materialism may be destructive, and how to overcome materialism. 

Today, I want to lay the groundwork by discussing what materialism is and why it’s a problem. Materialism has many different definitions, but here’s how I’m defining it this week for our purposes: 

Materialism is the pursuit of pleasure, comfort, and wealth as the highest goals. Materialism places money and monetary success above all else. Materialists are overly concerned with this pursuit of monetary success and wealth to the detriment of their relationships with each other - family, friends, neighbors, as well as one’s relationship with God. If money or financial wealth is your God, then you are most definitely a materialist. 

The problem with materialism is that many of us blindly pursue more and more, with the expectation that doing so will make us happy. A higher salary, a bigger house, a nicer car, and a first class plane ticket with bring contentment. 

The taste of these things in our lives do bring pleasure, but the pleasure wanes quickly. As soon as the flight in first class is over, or after about a month driving that new car, we’re right back where we started. 

As Steve Taylor wrote in his article in a Psychology Today article about materialism: “The sense of ego-inflation generated by wealth or expensive possessions can be more enduring, but it's very fragile too. It depends on comparing yourself to other people who aren't as well off as you, and evaporates if you compare yourself to someone who is wealthier than you. And no matter how much we try to complete or bolster our ego, our inner discontent and incompleteness always re-emerges, generating new desires. No matter how much we get, it's never enough.”

I think that sums it up pretty good right there. So we just continue in the rat race, all the while spending money on things that don’t bring happiness and backfire by getting in the way of what really matters in life or what truly does have the potential to fill that hole in our hearts.

That’s it for today, thanks for listening. My name is Ashley Micciche...and this is the One Minute Retirement Tip. 

----------

>>> Subscribe on iTunes: https://apple.co/2DI2LSP

>>> Subscribe on Amazon Alexa: https://amzn.to/2xRKrCs

>>> Check out our blog: https://truenorthretirementadvisors.com/blog/

----------

Tags: retirement, investing, money, finance, financial planning, retirement planning, saving money, personal finance, wealth management, fee only financial advisor, financial planner, financial podcast, retirement podcast, financial independence podcast, materialism, disadvantages of being materialistic, causes of materialism, materialism in society, how to beat materialism, materialistic

It’s Sunday, which means...It’s recap time! 

The theme for this week was: how to rebalance your investment portfolio. I talked about why it’s so important to rebalance, the 3 steps I take whenever I rebalance a portfolio (which I have done literally thousands of times), and how to know when you should rebalance. I also talked about 3 bonus tips to keep in mind whenever you rebalance. 

I said this on Tuesday, but the takeaway for this week is to take a look at your current portfolio to see if it’s time to rebalance. With the stock market 10 years into its upward climb and up over 300% during that time, it’s an excellent time to rebalance, especially if you haven’t done it in a while. So take the time to look at your portfolio this week! 

It’s Sunday, I know you’re just watching football or taking a nap anyways. It won’t take you too long to assess where you are and figure out if your portfolio is in need of rebalancing, so take some time to do it today and don’t put it off, otherwise, when the next recession arrives, you will likely lose your opportunity. 

Here’s what we covered in each episode this week: 

• How to rebalance
• Why you shouldn’t wait and what the long-term impact is on rebalancing your portfolio on your overall returns
• The 3 steps I take whenever I rebalance a client’s portfolio
• And... 3 bonus tips on effective rebalancing

If you missed any of these episodes or if you want to revisit any of them, you can find them on iTunes, Spotify, or Google Play by searching for the “One Minute Retirement Tip with Ashley”. 

Tomorrow we’re starting a new topic: Is Materialism Wrecking Your Retirement? Materialism can subtly and not so subtly creep into our lives and our wallets, so next week I’ll share with you the 5 signs that materialism might be wrecking your retirement...and what you can do to break free from the materialistic “more, more, more” message of our culture today. 

That’s it for this week! Thanks for listening and I hope you have a blessed Sunday! 

My name is Ashley Micciche and this is the “One Minute Retirement Tip”.

----------

>>> Subscribe on iTunes: https://apple.co/2DI2LSP

>>> Subscribe on Amazon Alexa: https://amzn.to/2xRKrCs

>>> Check out our blog: https://truenorthretirementadvisors.com/blog/

----------

Tags: retirement, investing, money, finance, financial planning, retirement planning, saving money, personal finance, wealth management, fee only financial advisor, financial planner, financial podcast, retirement podcast, financial independence podcast, how to rebalance your portfolio, portfolio rebalancing strategies, how to rebalance portfolio, should you rebalance your portfolio, how to rebalance your portfolio without paying taxes, how to rebalance your mutual fund portfolio, balanced portfolio by age, automatic rebalancing, selling funds in 401k

This week is all about rebalancing your portfolio. Rebalancing is the process of realigning your portfolio back to its intended position. We all get a little out of whack sometimes, so this week I’ve been walking you through the process of rebalancing an investment portfolio, which I have literally done thousands of times. 

Today, I am sharing with you 3 quick bonus tips to help you be a better rebalancer. 

Tip #1 - Rebalance based on triggers. Some people out there will tell you to rebalance at least once a year or twice a year, but I don’t like a calendar based approach. I believe it’s way more effective to pick a trigger and stick with it. Personally, my favorite trigger that’s worked well over the years is the 5% rule for the overall portfolio. Whenever the portfolio allocation to stocks gets out of balance by 5% or more, that’s when it’s time to rebalance. So consider a trigger if you’re going to rebalance manually. 

Tip #2 - Set up an auto-pilot approach to rebalancing. If you have access to target date retirement funds through your 401k account at work, you can let a professional take care of the rebalancing for you. Target date retirement funds are like an auto-pilot approach to investing in your 401k plan because all the rebalancing is done for you. 

Tip #3 is rebalancing with new money. This tip applies if you are making regular contributions to your account or if you have new funds to invest, like an inheritance. Rather than rebalancing your current portfolio, you would just add the new funds to something more conservative. This works well if you have large gains in a taxable account and are reluctant to sell what you own to pay the taxes. Instead, you could divert future contributions to a more conservative bond investment, rather than selling what you currently own to rebalance. 

That’s it for today. Thanks for listening. Tomorrow, we’re going to recap the week and I’m going to give you a little preview of next week’s theme. 

My name is Ashley Micciche and this is the One Minute Retirement Tip.

----------

>>> Subscribe on iTunes: https://apple.co/2DI2LSP

>>> Subscribe on Amazon Alexa: https://amzn.to/2xRKrCs

>>> Check out our blog: https://truenorthretirementadvisors.com/blog/

----------

Tags: retirement, investing, money, finance, financial planning, retirement planning, saving money, personal finance, wealth management, fee only financial advisor, financial planner, financial podcast, retirement podcast, financial independence podcast, how to rebalance your portfolio, portfolio rebalancing strategies, how to rebalance portfolio, should you rebalance your portfolio, how to rebalance your portfolio without paying taxes, how to rebalance your mutual fund portfolio, balanced portfolio by age, automatic rebalancing, selling funds in 401k

This week I’m talking about how to rebalance your investment portfolio. Rebalancing is the process of realigning your portfolio back to its intended position. We all get a little out of what sometimes in all areas of life, but when it comes to your investment portfolio, I can’t emphasize enough how important it is to bring things back into alignment when it gets out of whack. 

For the last 2 days, I’ve been sharing with you how to review your current mix of stocks, bonds, and cash to determine if you need to rebalance and by how much. 

Today, I’m sharing with you step #3 on how I rebalance portfolios (which I have done literally thousands of times), and how you can follow this same process for rebalancing your own portfolio.

Once you’ve reviewed your current allocation and determined how much it’s drifted and how much it’s going to take to get it back into alignment, we need to look at what to sell. 

And this isn’t as simple as it sounds. It’s determined by several factors - what type of account it is, taxes, and future prospects of what you’re looking to sell. Continuing the example from yesterday, let’s say that you need to sell $25,000 of stocks in your portfolio to get your portfolio back in balance. 

Where do you begin? What do you sell? First of all, we need to determine the tax implications of selling. If you’re planning to sell within an IRA or a 401k account, this isn’t an issue since there are no taxes for selling. So if you’re selling in an IRA or 401k or other tax-deferred type account, you can move on looking at each individual position. Are there any that you’re not too keen on for future prospects or that have become too bloated. Are there 1 or 2 positions that you think would be good candidates or do you want to sell a little bit of everything? It’s usually best to sell as few as the positions as possible as this often keeps things simple and cuts down on any transaction costs of selling.

If you are rebalancing in a taxable account, then taxes are more of a consideration. You’ll want to know the tax implications of selling before you sell. If you have a loss in anything, it’s a good place to start since you can always buy the stock back later, while minimizing the taxes of rebalancing by selling something that has a loss. 

If you don’t know how to get started with rebalancing, a good place to start is to figure out your ideal asset allocation to stocks, bonds, and cash based on your age. I’m happy to share our age-based asset allocation cheat sheet that we use to find the right target for each client. Just send me an email - [email protected], that’s [email protected], and I’ll send along the cheat sheet so you can figure out the asset allocation that’s right for you. 

That’s it for today. Thanks for listening. My name is Ashley Micciche and this is the One Minute Retirement Tip. 

----------

>>> Subscribe on iTunes: https://apple.co/2DI2LSP

>>> Subscribe on Amazon Alexa: https://amzn.to/2xRKrCs

>>> Check out our blog: https://truenorthretirementadvisors.com/blog/

----------

Tags: retirement, investing, money, finance, financial planning, retirement planning, saving money, personal finance, wealth management, fee only financial advisor, financial planner, financial podcast, retirement podcast, financial independence podcast, how to rebalance your portfolio, portfolio rebalancing strategies, how to rebalance portfolio, should you rebalance your portfolio, how to rebalance your portfolio without paying taxes, how to rebalance your mutual fund portfolio, balanced portfolio by age, automatic rebalancing, selling funds in 401k

This week I’m talking about how to rebalance your investment portfolio. Rebalancing is the process of realigning your portfolio back to its intended position. We all get a little out of whack sometimes in all areas of life, but when it comes to your investment portfolio, I can’t emphasize enough how important it is to bring things back into alignment when it gets out of whack. 

Yesterday, I shared with you how to review your current mix of stocks, bonds, and cash to determine whether or not it’s time to rebalance. 

Today, I’m sharing with you step #2 on how I rebalance portfolios (which I have done literally thousands of times), and how you can follow this same process for rebalancing your own portfolio.

Step #2 for rebalancing your portfolio is comparing your current allocation to the ideal allocation you have established for your portfolio to see if it’s time to rebalance. You may look at your investment portfolio 2-4 times a year and rebalance only once or not at all. And that’s fine. 

But when it’s time to rebalance, we need to be able to pull the trigger, and here’s how you do it. My rule for rebalancing is that I rebalance each time a client’s portfolio gets out of whack by 5% or more. So if your portfolio should be 60% in stocks, but because of growth in stocks in your portfolio, you’re now at 65% in stocks, it’s time to rebalance. 

You may have a different rule for when you rebalance, and that’s fine. It’s not unusual that people will rebalance sooner than 5% or by a completely different trigger all-together, like every 6 months, no matter what. I personally like 5%. It’s worked well for me over the years. It rebalances often enough to be meaningful, but not so frequently where it’s starting to create a tax problem by constantly generating capital gains from selling. 

In a $500,000 investment portfolio, I need to reduce the stocks in the portfolio by about $25,000 to get the portfolio back down to its 60% target. Now that we know our portfolio is out of balance, and how much needs to be sold from the stock side of the aisle to get the portfolio back in line, we can move on to step 3, which is determining what to sell. I’ll be covering that, tomorrow.

If you haven’t already left a review in Amazon or iTunes for the One Minute Retirement Tip, can I ask a favor of you to go do that right now? It just takes a minute.  

rcaprice recently wrote on Amazon: “Not valuable. Listened but not useful information. political.”

Hey, thanks rcaprice! I didn’t realize this was a political show, but we all hear what we want to hear, right? So whether you have a 1 star review and think I’m overly political like rcaprice, or if these tips are valuable for you and you think it’s worth 5 stars, or anywhere in between, please leave an honest review for the One Minute Retirement Tip in Amazon or iTunes. It helps to spread the word, and helps other people find this podcast. 

That’s it for today. Thanks for listening! My name is Ashley Micciche and this is the One Minute Retirement Tip.

----------

>>> Subscribe on iTunes: https://apple.co/2DI2LSP

>>> Subscribe on Amazon Alexa: https://amzn.to/2xRKrCs

>>> Check out our blog: https://truenorthretirementadvisors.com/blog/

----------

Tags: retirement, investing, money, finance, financial planning, retirement planning, saving money, personal finance, wealth management, fee only financial advisor, financial planner, financial podcast, retirement podcast, financial independence podcast, how to rebalance your portfolio, portfolio rebalancing strategies, how to rebalance portfolio, should you rebalance your portfolio, how to rebalance your portfolio without paying taxes, how to rebalance your mutual fund portfolio, balanced portfolio by age, automatic rebalancing, selling funds in 401k

This week I’m talking about how to rebalance your investment portfolio. Rebalancing is the process of realigning your portfolio back to its intended position. We all get a little out of what sometimes in all areas of life, but when it comes to your investment portfolio, I can’t emphasize enough how important it is to bring things back into alignment when it gets out of whack. 

Today, I’m sharing with you how I rebalance portfolios (which I have done literally thousands of times), and how you can follow this same process for rebalancing your own portfolio. 

The first step you’ll need to take when rebalancing your portfolio is reviewing where your portfolio allocation is currently. How much of your portfolio is in stocks? How much is in bonds and cash? That’s the basic criteria. It’s important to look under the hood a little more and check out the percentages you have in each position or holding of yours, and also take a look at how much you have in different industries, small, mid, and large cap, and how much you have in international. I take a look at these things every time I review a client’s portfolio, and it’s important that you look at these areas too. If this all sounds a bit overwhelming though, just start with looking at your mix of stocks and bonds and cash. 

You’re looking for how that current allocation to stocks, bonds, & cash compares to your target amount. So if your target is to have 50% in stocks, but your stock percentage is now 55 or 60%, it’s probably time to rebalance. The rule that I live by is the 5% rule. If the overall allocation to stocks, bonds, and cash is out of balance by 5% or more, it’s time to rebalance. That has served me well over the years. 

If you don’t know what your target asset allocation to stocks, bonds, and cash should be, I’m happy to share with you the age-based asset allocation cheat sheet that we use as a starting place with our clients to determine the right target for each client. I’m happy to share it with you for free. Just send me an email - [email protected], that’s [email protected], and I’ll send along the cheat sheet so you figure out the asset allocation that’s right for you. 

That’s it for today. Thanks for listening. My name is Ashley Micciche and this is the One Minute Retirement Tip. 

---------

>>> Subscribe on iTunes: https://apple.co/2DI2LSP

>>> Subscribe on Amazon Alexa: https://amzn.to/2xRKrCs

>>> Check out our blog: https://truenorthretirementadvisors.com/blog/

----------

Tags: retirement, investing, money, finance, financial planning, retirement planning, saving money, personal finance, wealth management, fee only financial advisor, financial planner, financial podcast, retirement podcast, financial independence podcast, how to rebalance your portfolio, portfolio rebalancing strategies, how to rebalance portfolio, should you rebalance your portfolio, how to rebalance your portfolio without paying taxes, how to rebalance your mutual fund portfolio, balanced portfolio by age, automatic rebalancing, selling funds in 401k