RetireMentorship with Freeman Linde, CFP®

RetireMentorship with Freeman Linde, CFP®

By Freeman Linde, CFP®BusinessInvesting
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RetireMentorship with Freeman Linde, CFP® episodes

  • ACTION: GO, Net, Flow

    Don't merely know information. Believe in its ability to help you.


    Don't merely believe.  ACT!

    Every piece of the financial planning process will be easier if complete these steps.

    Visit RetireMentorship.com/25 for full list of actions.

    Schedule 30-60 minutes to complete the following actions:

    1. Connect Accounts to RightCapital

    2. Organize Files with OneDrive

    3. Take the Financial Planning Score Quiz

    Send us a Text Message.

    Join our FREE membership community to receive exclusive content at RetireMembership.com.


    The content includes my book, 3D Retirement Income: Creating a Retirement Income that Outpaces Inflation, Outlives You, and Outperforms Others . (Available on Amazon.)

    Find my financial planning firm at LaxFP.com.

    Email us at [email protected] or call us at 1-855-6MENTOR.

    This podcast is educational only and is not intended to be investment, legal, or tax advice or recommendations, whether direct or incidental. Again, this is not investment advice. Consult your financial, tax, and legal professionals for specific advice related to your specific situation. Never take investment advice from someone who doesn’t know you and your specific situation. All opinions expressed in this article are those of the people expressing them. Any performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be directly invested in.

    8 min
  • CFP 1 - GO, Net, Flow

    The first steps in creating financial plan are GO, Net, Flow. That is:


    1. Get Organized
    2. Net Worth
    3. Cash Flow

    The full episode can be found at:

    RetireMentorship.com/25


    Get your accounts organized, calculate your net worth, and track your income and spending with RightCapital.

    Organize your financial files with OneDrive.

    Budget like a pro with YNAB (You Need a Budget).

    Need help finding an advisor to craft an Investment Plan? Search for or be matched with one at WiserAdvisor.com. Ask the the questions from Episode 5. And stay tuned to RetireMentorship for more info on finding a good one. 

    Enjoying the show? Sponsor it by becoming a RetireMember. For the price of a Latte a Week or a Latte a Month you can show your support and keep the show ad-free.

    Become a Member for a Latte a Week ($16/m)

    Become a Member for a Latte a Month ($4/m)

    Your support means a lot! Find out more at RetireMembership.com.

    If you have questions about this topic, message us on Facebook or email us at [email protected]. 

    Or you can call us at 1 (855) 6-MENTOR (1-855-663-6867) and leave us a message.

    Send us a Text Message.

    Join our FREE membership community to receive exclusive content at RetireMembership.com.


    The content includes my book, 3D Retirement Income: Creating a Retirement Income that Outpaces Inflation, Outlives You, and Outperforms Others . (Available on Amazon.)

    Find my financial planning firm at LaxFP.com.

    Email us at [email protected] or call us at 1-855-6MENTOR.

    This podcast is educational only and is not intended to be investment, legal, or tax advice or recommendations, whether direct or incidental. Again, this is not investment advice. Consult your financial, tax, and legal professionals for specific advice related to your specific situation. Never take investment advice from someone who doesn’t know you and your specific situation. All opinions expressed in this article are those of the people expressing them. Any performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be directly invested in.

    32 min
  • ACTION: Find your Financial Planning Score

    Don't merely know information. Believe in its ability to help you.


    Don't merely believe.  ACT!

    Before you know if you need to create a financial plan, you should know your Financial Planning Score.

    Take the Quiz to get your score. If you score an A, you have already completed your financial planning and are working the plan. Anything less, and there is work you can do to improve your finances and your life. 

    It takes 10-15 minutes to complete. No email address required. 

    Send us a Text Message.

    Join our FREE membership community to receive exclusive content at RetireMembership.com.


    The content includes my book, 3D Retirement Income: Creating a Retirement Income that Outpaces Inflation, Outlives You, and Outperforms Others . (Available on Amazon.)

    Find my financial planning firm at LaxFP.com.

    Email us at [email protected] or call us at 1-855-6MENTOR.

    This podcast is educational only and is not intended to be investment, legal, or tax advice or recommendations, whether direct or incidental. Again, this is not investment advice. Consult your financial, tax, and legal professionals for specific advice related to your specific situation. Never take investment advice from someone who doesn’t know you and your specific situation. All opinions expressed in this article are those of the people expressing them. Any performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be directly invested in.

    7 min
  • Creating a Financial Plan 0: 5Cs

    You need a financial plan. How do you Create a Financial Plan?


    First we need to cover WHO is creating the plan.

    Whether you are a DIYer intent on creating your own Financial Plan, or a Delegator looking to hire someone to create it, You/They need 5 Cs to be qualified to make that plan.

    1. Competence
    2. Capacity
    3. Commitment
    4. Contentment
    5. Character

    The full episode can be found at:

    RetireMentorship.com/24


    Need help finding an advisor to craft an Investment Plan? Search for or be matched with one at WiserAdvisor.com. Ask the the questions from Episode 5. And stay tuned to RetireMentorship for more info on finding a good one. 

    Enjoying the show? Sponsor it by becoming a RetireMember. For the price of a Latte a Week or a Latte a Month you can show your support and keep the show ad-free.

    Become a Member for a Latte a Week ($16/m)

    Become a Member for a Latte a Month ($4/m)

    Your support means a lot! Find out more at RetireMembership.com.

    If you have questions about this topic, message us on Facebook or email us at [email protected]. 

    Or you can call us at 1 (855) 6-MENTOR (1-855-663-6867) and leave us a message.

    Send us a Text Message.

    Join our FREE membership community to receive exclusive content at RetireMembership.com.


    The content includes my book, 3D Retirement Income: Creating a Retirement Income that Outpaces Inflation, Outlives You, and Outperforms Others . (Available on Amazon.)

    Find my financial planning firm at LaxFP.com.

    Email us at [email protected] or call us at 1-855-6MENTOR.

    This podcast is educational only and is not intended to be investment, legal, or tax advice or recommendations, whether direct or incidental. Again, this is not investment advice. Consult your financial, tax, and legal professionals for specific advice related to your specific situation. Never take investment advice from someone who doesn’t know you and your specific situation. All opinions expressed in this article are those of the people expressing them. Any performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be directly invested in.

    22 min
  • ACTION: TDFs are Dangerous

    Don't merely know information. Believe in its ability to help you.


    Don't merely believe.  ACT!

    Target Date Funds are the Bing of investment options. They may be the default, but they are not the best. Here are you action items:

    1. Check your Retirement Plan (and your spouses) to see if you have any TDFs.
    2. If you are not close to retirement, but your parents are, ask them if they have TDFs. TDFs are most dangerous to this group. (Pass this episode along if they do.)
    3. Schedule a time to get an Investing Plan. (Set a reminder or alarm right now if you don't have time to put it on the calendar.) 

      4. Send us a Text Message.

      Join our FREE membership community to receive exclusive content at RetireMembership.com.


      The content includes my book, 3D Retirement Income: Creating a Retirement Income that Outpaces Inflation, Outlives You, and Outperforms Others . (Available on Amazon.)

      Find my financial planning firm at LaxFP.com.

      Email us at [email protected] or call us at 1-855-6MENTOR.

      This podcast is educational only and is not intended to be investment, legal, or tax advice or recommendations, whether direct or incidental. Again, this is not investment advice. Consult your financial, tax, and legal professionals for specific advice related to your specific situation. Never take investment advice from someone who doesn’t know you and your specific situation. All opinions expressed in this article are those of the people expressing them. Any performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be directly invested in.

      6 min
    4. The Trouble with Target Date Funds

      Target Date Funds are the default options for many investors in their 401(k)s. Not because they are great options, but because they cover the butts of 401(k) companies and employers. But they have their troubles.


      TDFs are Dumb. They result in lower long term returns at higher fees.
      TDFs are Dangerous. They give no options to those in retirement, forcing them to make The Big Mistake: Selling their equities when they're down.

      While this is not investment advice, I contend that NO ONE should own Target Date Funds. 

      Full article and visuals can be found at:

      RetireMentorship.com/23


      Need help finding an advisor to craft an Investment Plan? Search for or be matched with one at WiserAdvisor.com. Ask the the questions from Episode 5. And stay tuned to RetireMentorship for more info on finding a good one. 

      Enjoying the show? Sponsor it by becoming a RetireMember. For the price of a Latte a Week or a Latte a Month you can show your support and keep the show ad-free.

      Become a Member for a Latte a Week ($16/m)

      Become a Member for a Latte a Month ($4/m)

      Your support means a lot! Find out more at RetireMembership.com.

      If you have questions about this topic, message us on Facebook or email us at [email protected]. 

      Or you can call us at 1 (855) 6-MENTOR (1-855-663-6867) and leave us a message.

      Send us a Text Message.

      Join our FREE membership community to receive exclusive content at RetireMembership.com.


      The content includes my book, 3D Retirement Income: Creating a Retirement Income that Outpaces Inflation, Outlives You, and Outperforms Others . (Available on Amazon.)

      Find my financial planning firm at LaxFP.com.

      Email us at [email protected] or call us at 1-855-6MENTOR.

      This podcast is educational only and is not intended to be investment, legal, or tax advice or recommendations, whether direct or incidental. Again, this is not investment advice. Consult your financial, tax, and legal professionals for specific advice related to your specific situation. Never take investment advice from someone who doesn’t know you and your specific situation. All opinions expressed in this article are those of the people expressing them. Any performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be directly invested in.

      25 min
    5. ACTION: RTQs are Stupid!

      Don't merely know information. Believe in its ability to help you.


      Don't merely believe.  ACT!

      Basing your Lifetime Returns on a Five Minute Risk Tolerance Questionnaire is Stupid!

      Here are two ways to act on that knowledge.

      1. Listen to Episodes 1-4. They will build your foundation for believing that RTQ based investing is insufficient. 

      2. Schedule a time to get an Investment Plan. Have a Plan, not just a portfolio. And unless you can get one right now, schedule a time to do it. Make time to either create one yourself, or find an advisor who will help. 

      Send us a Text Message.

      Join our FREE membership community to receive exclusive content at RetireMembership.com.


      The content includes my book, 3D Retirement Income: Creating a Retirement Income that Outpaces Inflation, Outlives You, and Outperforms Others . (Available on Amazon.)

      Find my financial planning firm at LaxFP.com.

      Email us at [email protected] or call us at 1-855-6MENTOR.

      This podcast is educational only and is not intended to be investment, legal, or tax advice or recommendations, whether direct or incidental. Again, this is not investment advice. Consult your financial, tax, and legal professionals for specific advice related to your specific situation. Never take investment advice from someone who doesn’t know you and your specific situation. All opinions expressed in this article are those of the people expressing them. Any performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be directly invested in.

      6 min
    6. Risk Tolerance is Stupid! Pt 2

      Investing based on a Risk Tolerance Questionnaire is STUPID!!! 


      Almost every investor needs to answer a Risk Tolerance Questionnaire before investing. 
      These questionnaires determine the investor's destiny. 
      These questionnaires are dumb. 

      We'll look at two more problems with RTQs, and the solution.

      Full article and visuals can be found at:

      RetireMentorship.com/21


      Need help finding an advisor to craft an Investment Plan? Search for or be matched with one at WiserAdvisor.com. Ask the the questions from Episode 5. And stay tuned to RetireMentorship for more info on finding a good one. 

      Enjoying the show? Sponsor it by becoming a RetireMember. For the price of a Latte a Week or a Latte a Month you can show your support and keep the show ad-free.

      Become a Member for a Latte a Week ($16/m)

      Become a Member for a Latte a Month ($4/m)

      Your support means a lot! Find out more at RetireMembership.com.

      If you have questions about this topic, message us on Facebook or email us at [email protected]. 

      Or you can call us at 1 (855) 6-MENTOR (1-855-663-6867) and leave us a message.

      Send us a Text Message.

      Join our FREE membership community to receive exclusive content at RetireMembership.com.


      The content includes my book, 3D Retirement Income: Creating a Retirement Income that Outpaces Inflation, Outlives You, and Outperforms Others . (Available on Amazon.)

      Find my financial planning firm at LaxFP.com.

      Email us at [email protected] or call us at 1-855-6MENTOR.

      This podcast is educational only and is not intended to be investment, legal, or tax advice or recommendations, whether direct or incidental. Again, this is not investment advice. Consult your financial, tax, and legal professionals for specific advice related to your specific situation. Never take investment advice from someone who doesn’t know you and your specific situation. All opinions expressed in this article are those of the people expressing them. Any performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be directly invested in.

      22 min
    7. Risk Tolerance is Stupid! Pt 1

      Investing based on a Risk Tolerance Questionnaire is STUPID!!! 


      Almost every investor needs to answer a Risk Tolerance Questionnaire before investing. These questionnaires determine the investor's destiny. And these questionnaires are dumb. We'll look at some of the problems with RTQs, and next week we'll look at the solution. 

      Full article and visuals can be found at:

      RetireMentorship.com/21

      Enjoying the show? Sponsor it by becoming a RetireMember. For the price of a Latte a Week or a Latte a Month you can show your support and keep the show ad-free.

      Become a Member for a Latte a Week ($16/m)

      Become a Member for a Latte a Month ($4/m)

      Your support means a lot! Find out more at RetireMembership.com.

      If you have questions about this topic, message us on Facebook or email us at [email protected]. 

      Or you can call us at 1 (855) 6-MENTOR (1-855-663-6867) and leave us a message.

      Send us a Text Message.

      Join our FREE membership community to receive exclusive content at RetireMembership.com.


      The content includes my book, 3D Retirement Income: Creating a Retirement Income that Outpaces Inflation, Outlives You, and Outperforms Others . (Available on Amazon.)

      Find my financial planning firm at LaxFP.com.

      Email us at [email protected] or call us at 1-855-6MENTOR.

      This podcast is educational only and is not intended to be investment, legal, or tax advice or recommendations, whether direct or incidental. Again, this is not investment advice. Consult your financial, tax, and legal professionals for specific advice related to your specific situation. Never take investment advice from someone who doesn’t know you and your specific situation. All opinions expressed in this article are those of the people expressing them. Any performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be directly invested in.

      30 min
    8. Insurance You Do/n’t Need

      There are some insurances you need, and others you don't. 


      Insurances you DO need: 

      • Health Insurance
      • Disability Income Insurance 
      • Term Life Insurance (if you have dependents, previously covered)
      • Home & Auto Insurance

        • Insurance you MAY need:


        • Long-Term Care Insurance (previously covered)
        • Umbrella Insurance
        • Dental Insurance
        • Vision Insurance

          • Insurance you DON'T need:

          • Accidental Death & Dismemberment (exceptions apply)
          • Pet Insurance
          • Identity Theft Insurance
          • Critical Illness Insurance
          • Product Insurance

            • Full article and visuals can be found at:

            RetireMentorship.com/20

            Enjoying the show? Sponsor it by becoming a RetireMember. For the price of a Latte a Week or a Latte a Month you can show your support and keep the show ad-free.

            Become a Member for a Latte a Week ($16/m)

            Become a Member for a Latte a Month ($4/m)

            Your support means a lot! Find out more at RetireMembership.com.

            If you have questions about this topic, message us on Facebook or email us at [email protected]. 

            Or you can call us at 1 (855) 6-MENTOR (1-855-663-6867) and leave us a message.

            Send us a Text Message.

            Join our FREE membership community to receive exclusive content at RetireMembership.com.


            The content includes my book, 3D Retirement Income: Creating a Retirement Income that Outpaces Inflation, Outlives You, and Outperforms Others . (Available on Amazon.)

            Find my financial planning firm at LaxFP.com.

            Email us at [email protected] or call us at 1-855-6MENTOR.

            This podcast is educational only and is not intended to be investment, legal, or tax advice or recommendations, whether direct or incidental. Again, this is not investment advice. Consult your financial, tax, and legal professionals for specific advice related to your specific situation. Never take investment advice from someone who doesn’t know you and your specific situation. All opinions expressed in this article are those of the people expressing them. Any performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be directly invested in.

            28 min

          About RetireMentorship with Freeman Linde, CFP®

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          Your Mentor to and through Retirement, helping you Retire Successfully and stay Successfully Retired.