The Financial Lab

We’ve talked before about the 60/40 portfolio (60% stock, 40% bonds) and how horrible it performed last year.  Both stocks and bonds took a big hit.  Hear if David and Travis agree and if their is another portfolio allocation they prefer.

Protect, grow, and Reduce Taxes on your Wealth!

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There’s a major tax event coming in 2026.  And that’s the expiration of the so-called ‘Trump tax cuts’ (the Tax Cuts and Jobs Act passed in 2017).  What do people need to understand about this when it comes to tax planning and what should they consider for the next few years?

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Want to talk about risk? Risk is also a part of retirement planning.  But, how can you be a part of the "risk" and also protect and grow your money? David and Travis explain in todays episode!  

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A new poll (by Retirable) shows many Americans are hoping for the best when it comes to having enough money for retirement.  It found 64% of retirees do not feel like they’ve saved enough to get them through, and more than half expect to take on a part-time job to make ends meet.  David and Travis discuss their planning process to eliminate the fear of running out of money in retirement.

Call David and Travis today for your custom Financial Lab. This lab is designed to show you how you can protect and grow your income giving you a stress free retirement! 

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Did you know that if you go to a casino, you can get a sheet listing the odds of winning for each game?  So, when it comes to assessing the probabilities of achieving retirement goals, what tools do you have at your disposal?

Then, baseball Hall of Famer Ken Griffey, Junior hasn’t suited up for the Cincinnati Reds since 2008.  Yet in 2023, he’s the third-highest paid player on the Reds payroll.  Why?  Because Griffey elected to defer his salary and will make more than three and a half million dollars this year!  In retirement, isn’t an annuity a good way to defer income?

Find out if an annuity is a fit for YOU and YOUR custom income plan for retirement - call today for your custom Financial Lab! 

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Do you have an income plan as part of your retirement picture?  Financial advisor Angela Sloan tells TD Ameritrade not to confuse it with the stock market. David and Travis explain the importance of creating the different streams of income and how annuities can be a vital part of your success in retirement! 

Call David and Travis today for your customize Financial Lab designing your financial plan! 

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Did you know that the order in which you eat your food might impact your health?   While we consume that thought, this reminds me of something we’ve talked about before – withdrawals from a retirement plan.  Is there a certain order of funds that you recommend they pull money from?   

Call Shepherd Wealth Solutions today and create your custom income plan with the Financial Lab!  

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The cost of Long-Term Care can be $10,000 a month or more.  No wonder so many say it’s one of the huge “gotcha” expenses in retirement.  And now, a dozen states are considering implementing a mandatory tax on people who don’t carry long-term care insurance.  Is buying this the best answer to covering those costs? 

Call today for your Financial Lab! 

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You will likely enter retirement having saved in a number of different places.  An article in Smart Asset says if you want to be smart with taxes you should pull the money out in this order:  Tax-deferred accounts (IRAs and 401ks), then taxable accounts, then Roth accounts.  David and Travis explain how they take this approach and help YOU be tax efficient in retirement! 

Call today for your Complimentary Tax Lab! 

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Are we already in a recession?  The CEO of BlackRock Financial says “no,” but it’s just a matter of time.  Larry Fink tells Fox Business that he bases his prediction on the housing market starting to collapse, car sales falling and more people borrowing from their retirement plans.  What do you think?  Hear David and Travis talk about the benefits you could have after putting together a customized Financial Lab so you are prepared for a recession, high inflation, tax changes and more! 

 Call today for your customized Financial Lab! 

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