Do you need life insurance? Is life insurance a good investment? In this episode we cover all things life insurance so that you can make smart decisions about how to protect yourself and your family. We cover:

1) What is the purpose of life insurance?

2) How much life insurance do you need?

3) Term life Insurance vs. Permanent life insurance (Variable / Whole Life)

4) How life insurance is useful for business planning and minimizing estate taxes

5) How to find low cost term life insurance

Want to Talk Live ?-> https://www.thecapitalstewards.com/contact

Learn More About Us -> https://www.thecapitalstewards.com/aboutus

Note: Capital Stewards is not an insurance agent and is not compensated for placing or selling insurance. As a fiduciary, Capital Stewards is compensated solely for providing advice to our clients that is in their best interest.

Short episode with everything you need to know around the announcement of the Student Loan Forgiveness program on August 24th, 2022.

• Are you eligible for loan forgiveness?
• What should you do next?
• Will student loan forgiveness create higher inflation?
• Is student loan forgiveness a good policy decsion? Will it make education less expensive?

Want to Talk Live ?-> https://www.thecapitalstewards.com/contact

Learn More About Us -> https://www.thecapitalstewards.com/aboutus

Often in life we can't peer around the corner and know what's on the otherside. That's true for many things in retirement. But we CAN use data and our experience helping clients navigate retirement to show you some unexpected surprises that often catch people off guard. In this episode, we discuss common retirement spending surprises so that you can plan ahead! We cover:

1. How much will you really spend in retirement? Will your spending go down?
2. How much will health insurance cost?
3. What happens to health care costs before turning 65 (early retirement planners listen here)
4. What about Medicare costs...and how to manage them
5. How to plan for inflation so that it doesn't impact your standard of living down the road

Capital Stewards Retirement Guide: https://www.thecapitalstewards.com/retirementguide

Want to Talk Live ?-> https://www.thecapitalstewards.com/contact

Learn More About Us -> https://www.thecapitalstewards.com/aboutus

College is a HUGE expense - the second biggest expense for many families behind their home. How do we pay for college? But before we even think about paying for college its important to take a step back and figure out what we are buying with all of that money. What is the purpose of college? How much should we spend? What is the smart way for parents and grandparents to think about the economics of college? How do we make smart financial decisions about college as a family? In this episode we cover:

1) What is the right framework for assessing how much to spend on college?

2) Does it matter where we send our kids to college? Do elite private schools matter?

3) How do we talk about college as a family?

4) How do we pay for college? How much should we save for college?

5) How do we save for college expenses? Are 529 Plans a good idea? What about ESAs, Education Savings Accounts, Coverdell Plans, or IRAs for college saving?

Want to Talk Live ?-> https://www.thecapitalstewards.com/contact

Learn More About Us -> https://www.thecapitalstewards.com/aboutus

Helpful Links and Resources:

The Price You Pay for College Book

WSJ: Do Elite Colleges Lead to Higher Salaries?

Atlantic: Does it Matter Where you Go To College?

Estimating the Payoff to Attending a More Selective College

We tackle where markets are and provide real perspective for investing in the second half of 2022. As we move into a slower period of growth, we discuss how to avoid falling for misconceptions about investing in this environment. We discuss

• Actual vs. perceived market returns since 2020
• Real portfolio diversification - are you as diversified as you think?
• What's really causing inflation and will that create a recession
• Why growing companies outperform value oriented staples in recessions

Full Mid-Year Outlook Video: https://youtu.be/39Nj5C89nzg

Connect With Us:

Want to Talk Live -> https://www.thecapitalstewards.com/contact

Learn More About Us -> https://www.thecapitalstewards.com/aboutus

Will your children be able to manage money responsibly as adults? Not sure? The school system is terrible at teaching financial concepts....and most of us are uncomfortable talking about money...to anyone. So how are your kids learning about money if you aren't talking about it? ...and by kids we mean both children that live under your roof and those that are adults! In this episode we discuss practical tips you can use to educate your family about money. Hopefully you find this Father's Day edition of the podcast helpful. We cover:

• How to teach young children about money and saving
• Modern approaches to "allowance" and giving money to kids for expenses
• Sharing your "money values" like giving and generosity with your children
• Tips for teaching teenagers more advanced concepts like college planning and investing
• Navigating difficult money conversations with adult children
• Instilling your values in adult children to build multi-generational family legacy

Connect With Us:

Want to Talk Live -> https://www.thecapitalstewards.com/contact

Learn More About Us -> https://www.thecapitalstewards.com/aboutus

Want to Lean More?

Million Bazillion Podcast: https://podcasts.apple.com/us/podcast/million-bazillion/id1523486568

Operation Christmas Child (Shoeboxes): https://www.samaritanspurse.org/what-we-do/operation-christmas-child/

Compassion International: https://www.compassion.com/

Markets have been really volitile over the past week and "Recession" has been one of the most searched terms online. But what actually happens during a recession? Are we headed for another deep crisis? Can the talking heads on TV actually predict where we are going? In this episode we discuss:

• What actually happens during a recession?
• How do we know if a recession is coming...can we predicit it?
• Do we have conditions for a recession to occur?
• What should investors do if the economy slows down?

Links:

Recession Forecast Accuracy:

https://www.imf.org/en/Publications/WP/Issues/2018/03/05/How-Well-Do-Economists-Forecast-Recessions-45672

Market Returns During Recessions:

https://russellinvestments.com/us/blog/us-stock-market-recession-history

Connect With Us:

Want to Talk Live -> https://www.thecapitalstewards.com/contact

Learn More About Us -> https://www.thecapitalstewards.com/aboutus

Confused about the different types of retirement accounts? The names don't make it easy either; 401k, IRA, ROTH, ESOP and on and on. In this episode we help bring simplicity to a confusing topic by organizing the mess of accounts into two buckets that you can remember. We dive into strategies to reduce your taxes long-term, many of which are contrary to the rules of thumb you may be using. We also discuss these 4 tips for making smart long-term retirement planning and investing decisions:

1. Contribute to a ROTH IRA or 401K earlier in your career if possible
2. Check your current employer retirement benefits to determine if you can make ROTH elections in your savings plan
3. Review your current and future effective tax rates with a professional to determine the best way to reduce taxes and contribute to retirement accounts
4. Consider moving assetsfrom the tax deferred bucket to the ROTH (tax free bucket) via a ROTH Conversion if it makes sense for your particular situation.

Links:

Learn About Us -> https://www.thecapitalstewards.com/aboutus

Want to Talk Live? -> https://www.thecapitalstewards.com/contact

Feeling uncertain about markets and your portfolio? Markets and investment portfolios are down this year - almost across the board. So how should investors react? What smart steps should 6-Figure Investors take when markets are volitile? In this episode we discuss:

1) Investor Emotions: The spectrum from panic selling to "doing nothing" during market drops

2) What to do if you feel nervous about your portfolios

3) Actions long-term investors should take, like rebalancing and tax-loss harvesting, which are better than "doing nothing" around market bottoms

Links:

Modern Asset Allocation -> https://www.thecapitalstewards.com/learn/diversification-in-rising-rate-environmentsits-time-for-a-modern-portfolio

Learn About Us -> https://www.thecapitalstewards.com/aboutus

Want to Talk Live -> https://www.thecapitalstewards.com/contact

Feel like finding financial advice is an icky process? Struggling to find answers to your financial questions and hate feeling like you are being sold all the time? We get it. The investment industry deserves that negative perception. Despite all the "noise," good advice that you can trust is out there. We discuss how to find high quality, trustworthy financial advice. In this episode we give you 5 questions that you can ask any financial advisor or investment firm to help you determine whether they have your best interest at heart. Our 5 key questions you should ask your current or prospective advisor:

1. Are you a fiduciary in all situations? (What is a fiduciary? What does Fiduciary mean?)
2. Do you have a professional education? What are your credentials?
3. Do you have experience working with clients like me?
4. Can you explain your investment strategy easily…so that I can understand?
5. Do you have any negative regulatory actions in your background?

Links:

More on Choosing an Advisor -> https://www.thecapitalstewards.com/learn/howtochooseadvisor

Learn More About Us ->

https://www.thecapitalstewards.com/aboutus

Still Read Blogs? ->

https://www.thecapitalstewards.com/learn