The Retire Happy Podcast

Are you concerned about your retirement income? In this podcast, we will discuss the four unique risks that can affect your retirement income: sequence of return risk, longevity risk, tax risk, and expense risk. You will learn how to mitigate these risks and secure a stable financial future for your retirement years.

Links to resources mentioned in the video:

Social Security Blogs: https://riverbendwealthmanagement.com/?s=Social+Security

Sequence of return risk chart: https://riverbendwealthmanagement.com/a-not-so-well-known-danger-to-retirees-sequence-of-return-risk-finger-financial-five-145/

https://themoneyadvantage.com/sequence-of-returns-risk-how-to-get-the-most-investment-income/

Timestamps:

· 0:00 - Introduction

· 0:16 – Number 1: Sequence of return risk

· 2:16 – Number 2: Longevity risk

· 3:24 - Number 3: Tax risk

· 5:01 – Number 4: Expense risk

· 6:41 - Closing

· 7:16 - Disclosures

Get started today and book a FREE 15-minute meeting with a member of our team: https://calendly.com/all-riverbend-advisors/15-minute-phone-appointment-with-a-riverbend-advisor

Email us today at [email protected]

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For more resources and content, check us out below!

Website // https://riverbendwealthmanagement.com/

Podcast // https://retirehappy.libsyn.com

Instagram // https://www.instagram.com/riverbendwealthmanagement/

Facebook // https://www.facebook.com/riverbendwealthmanagement/

LinkedIn // https://www.linkedin.com/company/81049101/admin/feed/posts/

Twitter // https://twitter.com/jeremy_finger

Riverbend Wealth Management is registered as an investment adviser with the SEC and only conducts business in states where it is properly registered or is excluded from registration requirements. Registration is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability. References to Stratos predate the current registration of Riverbend Wealth Management as an investment adviser and should be disregarded.

The firm has not compensated the guest on the podcast.

Information presented is believed to be current. It should not be viewed as personalized investment advice or as an offer to buy or sell any of the securities mentioned. All expressions of opinion reflect the judgment of the adviser the date of the broadcasts and may change in response to market conditions. You should consult with a professional advisor before implementing any strategies discussed. All investment strategies have the potential for profit or loss. Asset allocation and diversification will not necessarily improve an investor's returns and cannot eliminate the risk of investment losses.

References to Stratos predate the current registration of Riverbend Wealth Management as of December 2024 as an investment adviser and should be disregarded.

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Join real estate agent Greg Harrelson and Financial Advisor Jeremy Finger as they discuss everything from real estate commissions to new market trends, selling your home, and more! Gain insights from their conversation in this ever-changing market. Don't miss out on this informative and engaging conversation!

Links to resources mentioned in the video:

Greg Harrelson's Website: https://www.c21theharrelsongroup.com/greg-harrelson/

Art Bartlett Award: https://www.prnewswire.com/news-releases/myrtle-beachs-own-century-21-the-harrelson-group-receives-brands-top-global-recognition-the-century-21-art-bartlett-2100-cup-301508808.html

Timestamps:

· 0:00 - Introduction

· 01:39 - Real Estate commission and what has changed

· 10:22 - Real live example of selling your home

· 16:02 – Solutions to real estate commissions

· 18:44 - Why do real estate agents think they will be out of a job?

· 25:42 – Housing Prices

· 30:27 – Housing Inventory

· 32:38 - Final Thoughts

· 37:37 - Closing

Get started today and book a FREE 15-minute meeting with a member of our team: https://calendly.com/all-riverbend-advisors/15-minute-phone-appointment-with-a-riverbend-advisor

Email us today at [email protected]

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Reach out to Greg Harlson today!

Website // https://www.c21theharrelsongroup.com/greg-harrelson/

Phone Number //843-457-7816

Email // [email protected]

For more resources and content, check us out below!

Website // https://riverbendwealthmanagement.com/

Podcast // https://retirehappy.libsyn.com

Instagram // https://www.instagram.com/riverbendwealthmanagement/

Facebook // https://www.facebook.com/riverbendwealthmanagement/

LinkedIn // https://www.linkedin.com/company/81049101/admin/feed/posts/

Twitter // https://twitter.com/jeremy_finger

Riverbend Wealth Management is registered as an investment adviser with the SEC and only conducts business in states where it is properly registered or is excluded from registration requirements. Registration is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability. References to Stratos predate the current registration of Riverbend Wealth Management as an investment adviser and should be disregarded.

The firm has not compensated the guest on the podcast.

Information presented is believed to be current. It should not be viewed as personalized investment advice or as an offer to buy or sell any of the securities mentioned. All expressions of opinion reflect the judgment of the adviser the date of the broadcasts and may change in response to market conditions. You should consult with a professional advisor before implementing any strategies discussed. All investment strategies have the potential for profit or loss. Asset allocation and diversification will not necessarily improve an investor's returns and cannot eliminate the risk of investment losses.

References to Stratos predate the current registration of Riverbend Wealth Management as of December 2024 as an investment adviser and should be disregarded.

Losing a loved one is never easy, and it can be overwhelming to know what steps to take next. In this video, a financial advisor shares 21 practical steps to help you navigate through the process after losing a loved one. From managing finances to dealing with communication, this podcast offers valuable advice for anyone going through this difficult time.

Additional Ressource Links:

Riverbend's Blogs on Social Security: https://riverbendwealthmanagement.com/?s=Social+security

Surviving Spouse Checklist: https://riverbendwealthmanagement.com/surviving-spouse-checklist-finger-financial-five-75/

Get started today and book a FREE 15-minute meeting with a member of our team: https://calendly.com/all-riverbend-advisors/15-minute-phone-appointment-with-a-riverbend-advisor

Riverbend Wealth Management is registered as an investment adviser with the SEC and only conducts business in states where it is properly registered or is excluded from registration requirements. Registration is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability. References to Stratos predate the current registration of Riverbend Wealth Management as an investment adviser and should be disregarded.

The firm has not compensated the guest on the podcast.

Information presented is believed to be current. It should not be viewed as personalized investment advice or as an offer to buy or sell any of the securities mentioned. All expressions of opinion reflect the judgment of the adviser the date of the broadcasts and may change in response to market conditions. You should consult with a professional advisor before implementing any strategies discussed. All investment strategies have the potential for profit or loss. Asset allocation and diversification will not necessarily improve an investor's returns and cannot eliminate the risk of investment losses.

References to Stratos predate the current registration of Riverbend Wealth Management as of December 2024 as an investment adviser and should be disregarded.

Pull up a chair and pour yourself a fresh cup of coffee! You're about to join an enlightening conversation that's brewed to perfection, featuring a blend of market insights, personal finance strategies, and estate planning wisdom. Coffee with Riverbend is where your financial curiosities meet correct answers in a friendly, engaging atmosphere.

📊 What's on the Menu? In this episode, we're diving deep into topics that touch the core of our financial well-being and future security:

• Rate Cuts: Travis Smythe untangles the complex interplay between Federal decisions, market expectations, and what it means for your investments.
• Inflation Trends: Discover whether inflation is cooling off or persisting, and how this impacts your purchasing power and savings.
• Asset Protection in SC: Tripp Wiles shares his legal expertise on safeguarding your assets, highlighting the nuances of South Carolina laws.
• Estate Planning Insights: Learn about common pitfalls in estate planning and proactive steps to avoid them, ensuring your legacy is secured.
• Looking Ahead: Get ahead of upcoming changes in law and finance, preparing yourself and your estate for the future.

📢 Meet Our Speakers:

Travis Smythe, CFA®, CIPM Portfolio Manager & Committee Member

📧 Email: [email protected]

📞 Phone: (440) 505-5702

Tripp Wiles Attorney and Counselor at Law, Chief Executive Officer at Wiles Law

📧 Email: [email protected]

📞 Phone: 843-718-0232

📢 Meet The Host:

Jeremy Finger Founder and CEO of Riverbend Wealth Management

📧 Email: [email protected]

📞 Phone: 843-970-1049

Riverbend Wealth Management is registered as an investment adviser with the SEC and only conducts business in states where it is properly registered or is excluded from registration requirements. Registration is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability. References to Stratos predate the current registration of Riverbend Wealth Management as an investment adviser and should be disregarded.

The firm has not compensated the guest on the podcast.

Information presented is believed to be current. It should not be viewed as personalized investment advice or as an offer to buy or sell any of the securities mentioned. All expressions of opinion reflect the judgment of the adviser the date of the broadcasts and may change in response to market conditions. You should consult with a professional advisor before implementing any strategies discussed. All investment strategies have the potential for profit or loss. Asset allocation and diversification will not necessarily improve an investor's returns and cannot eliminate the risk of investment losses.

References to Stratos predate the current registration of Riverbend Wealth Management as of December 2024 as an investment adviser and should be disregarded.

We all know about Warren Buffett's incredible success in investing, but have you heard of Charlie Munger?

He's been a major force behind the success of Berkshire Hathaway, and we've got some of his most inspiring quotes to share.

In this episode, Jeremy Finger, CFP® shares 24 inspiring quotes from the book Poor Charlie's Almanack, written by Charlie Munger. Listen in as Jeremy talks about the importance of avoiding impulsive investment decisions and being open to learning new things.

Gain insight into:

• The importance of waiting and avoiding impulsive investment decisions

• Why you should avoid being a "know-it-all"

• The importance of living within your means

• Why people should be cautious when considering investment opportunities

• The dangers of envy, resentment, and self-pity, and emphasizes the importance of taking responsibility for your actions to move forward in a positive way

• And more!

Resources

• Retire Happy Podcast Ep. 23: Saving for Retirement, Part 2: After You Plan

• Poor Charlie's Almanack: The Wit and Wisdom of Charles T. Munger

Connect with Riverbend Wealth Management:

• Riverbend Wealth Management

• 15 Minute Phone Appointment

• LinkedIn: Jeremy Finger

• Facebook: Jeremy Finger Riverbend Wealth Management

• Twitter: Jeremy Finger

Riverbend Wealth Management is registered as an investment adviser with the SEC and only conducts business in states where it is properly registered or is excluded from registration requirements. Registration is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability. References to Stratos predate the current registration of Riverbend Wealth Management as an investment adviser and should be disregarded.

The firm has not compensated the guest on the podcast.

Information presented is believed to be current. It should not be viewed as personalized investment advice or as an offer to buy or sell any of the securities mentioned. All expressions of opinion reflect the judgment of the adviser the date of the broadcasts and may change in response to market conditions. You should consult with a professional advisor before implementing any strategies discussed. All investment strategies have the potential for profit or loss. Asset allocation and diversification will not necessarily improve an investor's returns and cannot eliminate the risk of investment losses.

References to Stratos predate the current registration of Riverbend Wealth Management as of December 2024 as an investment adviser and should be disregarded.

So you have your retirement plan, now what?

In this episode, Jeremy Finger goes over some of the important things to think about when it comes to generating income and retirement to help you make the next right decision.

Jeremy discusses:

• Why calculating your longevity is so important when making retirement decisions

• Why the 4% rule doesn't work and how dynamic withdrawals can better suit your lifestyle

• Why who you spend your time with matters more than what you spend your time doing

• Why retirees need at least 12 months of emergency cash

• How to take money out of your retirement accounts in a tax-efficient way

• And more

Resources

• What You Need To Start Preparing For At Age 50 (Ep.17)

• Tax Planning For Retirement (Ep.10)

• How To Be Tax Efficient In Retirement (Ep.11)

Connect with Riverbend Wealth Management:

• Riverbend Wealth Management

• 15 Minute Phone Appointment

• LinkedIn: Jeremy Finger

• Facebook: Jeremy Finger Riverbend Wealth Management

• Twitter: Jeremy Finger

• [email protected]

• Call: (843) 970-1049

Riverbend Wealth Management is registered as an investment adviser with the SEC and only conducts business in states where it is properly registered or is excluded from registration requirements. Registration is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability. References to Stratos predate the current registration of Riverbend Wealth Management as an investment adviser and should be disregarded.

The firm has not compensated the guest on the podcast.

Information presented is believed to be current. It should not be viewed as personalized investment advice or as an offer to buy or sell any of the securities mentioned. All expressions of opinion reflect the judgment of the adviser the date of the broadcasts and may change in response to market conditions. You should consult with a professional advisor before implementing any strategies discussed. All investment strategies have the potential for profit or loss. Asset allocation and diversification will not necessarily improve an investor's returns and cannot eliminate the risk of investment losses.

References to Stratos predate the current registration of Riverbend Wealth Management as of December 2024 as an investment adviser and should be disregarded.

When saving for retirement, the first step is making sure you have at least three to six months of emergency cash.

And then what?

Discover the steps to planning your retirement on this episode of the Retire Happy Podcast as Jeremy Finger, CFP® shares the basics you need to know when starting your journey into retirement.

Take notes and listen in to learn about:

• The importance of having an emergency cash fund in case of unexpected challenges

• Why you should put your savings into an interest-accruing account

• How to benefit from contributing to a health savings account/401k through your employer

• And more

Resource:

• Episode 2- Health Savings Account, Like An Extra ROTH IRA, But BETTER!

Connect with Riverbend Wealth Management:

• Riverbend Wealth Management

• 15 Minute Phone Appointment

• LinkedIn: Jeremy Finger

• Facebook: Jeremy Finger Riverbend Wealth Management

• Twitter: Jeremy Finger

Riverbend Wealth Management is registered as an investment adviser with the SEC and only conducts business in states where it is properly registered or is excluded from registration requirements. Registration is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability. References to Stratos predate the current registration of Riverbend Wealth Management as an investment adviser and should be disregarded.

The firm has not compensated the guest on the podcast.

Information presented is believed to be current. It should not be viewed as personalized investment advice or as an offer to buy or sell any of the securities mentioned. All expressions of opinion reflect the judgment of the adviser the date of the broadcasts and may change in response to market conditions. You should consult with a professional advisor before implementing any strategies discussed. All investment strategies have the potential for profit or loss. Asset allocation and diversification will not necessarily improve an investor's returns and cannot eliminate the risk of investment losses.

References to Stratos predate the current registration of Riverbend Wealth Management as of December 2024 as an investment adviser and should be disregarded.

Fiduciaries have a legal obligation to act in your best interest. Today, we're diving into why fiduciaries are so important in the financial world.

In this episode, Jeremy Finger, CFP®, covers everything about financial fiduciaries. He explains what a fiduciary is, why it's an important quality in a financial advisor, and how to tell if a financial advisor is a true fiduciary.

Jeremy discusses:

• What a fiduciary is and why it's important to have a fiduciary financial advisor

• What the 4 different types of financial advisors are

• What to look for when choosing a financial advisor

• Some questions to ask your financial advisor

• And more

Resources

• Fiduciary Definition: Examples and Why They Are Important

Connect with Riverbend Wealth Management:

• Riverbend Wealth Management

• 15 Minute Phone Appointment

• Call the office: 843-970-1049

• Linkedin: Jeremy Finger

• Facebook: Jeremy Finger Riverbend Wealth Management

• Twitter: Jeremy Finger

Riverbend Wealth Management is registered as an investment adviser with the SEC and only conducts business in states where it is properly registered or is excluded from registration requirements. Registration is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability. References to Stratos predate the current registration of Riverbend Wealth Management as an investment adviser and should be disregarded.

The firm has not compensated the guest on the podcast.

Information presented is believed to be current. It should not be viewed as personalized investment advice or as an offer to buy or sell any of the securities mentioned. All expressions of opinion reflect the judgment of the adviser the date of the broadcasts and may change in response to market conditions. You should consult with a professional advisor before implementing any strategies discussed. All investment strategies have the potential for profit or loss. Asset allocation and diversification will not necessarily improve an investor's returns and cannot eliminate the risk of investment losses.

References to Stratos predate the current registration of Riverbend Wealth Management as of December 2024 as an investment adviser and should be disregarded.

Many people want to downsize or buy a second home when they retire, but what things do they need to think about before they purchase real estate?

In this episode, Jeremy Finger, CFP®, talks about things to consider when buying real estate in retirement with Greg Harrelson, the owner of Century 21 Harrelson Group.

Greg discusses:

• What questions he asks home buyers when assessing the next steps in the purchasing process

• The available options for people moving from up north down to Myrtle Beach

• How to overcome complications of buying a home in South Carolina when selling a home up north or in another state

• How someone can develop a network when they're new to the area

• The drawbacks of searching for real estate online compared to working with an agent

• And more

Connect with Greg Harrelson:

• YouTube: MyrtleBeachProperty

• Facebook: Myrtle Beach Real Estate Sales

• Facebook: Greg Harrelson

• Twitter: Greg Harrelson

• LinkedIn: Greg Harrelson

• [email protected]

Connect with Riverbend Wealth Management:

• Riverbend Wealth Management

• 15 Minute Phone Appointment

• Linkedin: Jeremy Finger

• Facebook: Jeremy Finger Riverbend Wealth Management

• Twitter: Jeremy Finger

Riverbend Wealth Management is registered as an investment adviser with the SEC and only conducts business in states where it is properly registered or is excluded from registration requirements. Registration is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability. References to Stratos predate the current registration of Riverbend Wealth Management as an investment adviser and should be disregarded.

The firm has not compensated the guest on the podcast.

Information presented is believed to be current. It should not be viewed as personalized investment advice or as an offer to buy or sell any of the securities mentioned. All expressions of opinion reflect the judgment of the adviser the date of the broadcasts and may change in response to market conditions. You should consult with a professional advisor before implementing any strategies discussed. All investment strategies have the potential for profit or loss. Asset allocation and diversification will not necessarily improve an investor's returns and cannot eliminate the risk of investment losses.

References to Stratos predate the current registration of Riverbend Wealth Management as of December 2024 as an investment adviser and should be disregarded.

About Our Guest:

Greg Harrelson began his real estate career nearly 25 years ago. He and his dad started Century21 The Harrelson Group in Myrtle Beach in 1999. He has helped more than two thousand clients buy and sell homes in the Myrtle Beach area. Now he focuses on attracting agents into his office and developing them into top producers. Greg's team has consistently been ranked the #1 Sales Team in Myrtle Beach since its inception.

Have you heard of the Secure Act 2.0?

In this episode, Jeremy Finger, CFP®, goes over the Secure Act 2.0 and focuses on the important changes that affect those over 50 years old and those who are retired.

Jeremy discusses:

• What the benefits are of the Secure Act 2.0 for retirees

• The increased maximum for 401(k) catch-up contributions

• What changes have been made to converting finances in 529 plans to the beneficiary's Roth IRA

• The different benefits between itemized deductions and a qualified charitable distribution (QCD)

• And more

Resources:

• Ferris Bueller's Day Off "Anyone, anyone" Clip

Connect With Riverbend Wealth Management:

• Riverbend Wealth Management

• 15 Minute Phone Appointment

• Linkedin: Jeremy Finger

• Facebook: Jeremy Finger Riverbend Wealth Management

• Twitter: Jeremy Finger

Riverbend Wealth Management is registered as an investment adviser with the SEC and only conducts business in states where it is properly registered or is excluded from registration requirements. Registration is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability. References to Stratos predate the current registration of Riverbend Wealth Management as an investment adviser and should be disregarded.

The firm has not compensated the guest on the podcast.

Information presented is believed to be current. It should not be viewed as personalized investment advice or as an offer to buy or sell any of the securities mentioned. All expressions of opinion reflect the judgment of the adviser the date of the broadcasts and may change in response to market conditions. You should consult with a professional advisor before implementing any strategies discussed. All investment strategies have the potential for profit or loss. Asset allocation and diversification will not necessarily improve an investor's returns and cannot eliminate the risk of investment losses.

References to Stratos predate the current registration of Riverbend Wealth Management as of December 2024 as an investment adviser and should be disregarded.