Have you fully planned your estate, did you consider everything you need to? A lot of people overlook important aspects of their estate.

In this episode, Jeremy Finger, CFP®, speaks with Tripp Wiles, an Attorney, and Counselor at Law of a full-service Estate, Tax, and Business Planning firm, Wiles Law. Tripp shares how he helps people think about the next level of estate planning and discusses a number of considerations you should think about when the time comes to plan your estate.

Tripp discusses:

• How he helps people think about the next level of estate planning
• What the spousal tax exemption is and how to make sure you don’t lose it
• What a lifetime inheritor’s trust is and why it’s important to consider when planning your estate
• Why so many people often lack the third thing estate planning revolves around, control
• And more

Resources:

• Forgotten Raiders of ‘42 by Tripp Wiles
• NY Times Article: Finding Out your Power Of Attorney Is Powerless

Connect With Tripp Wiles:

• 843-718-0232
• [email protected]
• WilesLawFirm.com

Connect With Riverbend Wealth Management:

• Riverbend Wealth Management
• 15 Minute Phone Appointment
• Linkedin: Jeremy Finger
• Facebook: Jeremy Finger Riverbend Wealth Management
• Twitter: Jeremy Finger

About Our Guest: 

M. Emerson “Tripp” Wiles, III was born in Charleston, South Carolina, and was raised in Tennessee. He graduated from The Citadel with a B.A. in Political Science and holds an M.A. from Hawaii Pacific University in Diplomacy and Military Studies. Tripp earned his Juris Doctorate from the University of Memphis Cecil C. Humphreys School of Law. He is a former Army officer and served in Germany and Macedonia. After serving in the Army, Tripp worked as a research analyst for both the U.S. Army Central Identification Laboratory-Hawaii and the Defense POW/Missing Personnel Office. Tripp authored the book Forgotten Raiders of ‘42. In December 2013, Tripp was appointed by Governor Nikki R. Haley to serve on the Charleston County School Board and was later elected for another term. Over the past decade, Tripp has assisted hundreds of individuals in protecting their families and preserving their legacies through customized estate plans. Tripp enjoys spending time with his wife and children.

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.

If you’re nearing 50, you need to start preparing for retirement.

In this episode, Jeremy Finger, CFP®, talks about how you can get started and what you need to get in order before you retire. He talks about the importance of making full use of the retirement plans you have available, health savings accounts, 401k matching, paying down debt, and living within your means.

Jeremy discusses:

• Why goal-setting is important when planning for retirement
• Tackling debt before retirement
• The 401k contribution being increased in 2023
• The benefits of a health savings account
• And more

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.

Not many people know about the options available to them when working with a smaller local bank compared to larger financial institutions.

In this episode, Jeremy Finger, CFP®, speaks with David Anderson, president and CEO from the Anderson Brothers Bank in Mullins, South Carolina. He talks about the differences between small banks and other larger banking institutions from a consumer perspective. They discuss the crazy interest environment and what David thinks might happen in the near future. 

David discusses:

• The crazy interest environment we’re currently dealing with and what might happen in the future
• Why retirees and business owners might prefer working with smaller banks
• The history of the Anderson Brothers Bank and how they have avoided being purchased by larger financial institutions
• The culture, community, mission, and values at Anderson Brothers Bank
• And more

Connect with David Anderson:

• 843-464-6271
• Anderson Brothers Bank
• LinkedIn: Anderson Brothers Bank
• LinkedIn: David Anderson

Connect with Riverbend Wealth Management:

• Riverbend Wealth Management
• 15 Minute Phone Appointment
• Linkedin: Jeremy Finger
• Facebook: Jeremy Finger Riverbend Wealth Management
• Twitter: Jeremy Finger

About Our Guest: 

David Anderson is the President and CEO at Anderson Brothers Bank. The Anderson Brothers Bank has been family owned since 1933 and David has worked there since the beginning of his career in 1979, for 43 years.

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.

If you’re approaching retirement or starting to think about retirement, finding the right health insurance has probably crossed your mind.

In this episode, Jeremy Finger, CFP®, and David Seiger, J.D., LTCP, discuss all things long-term care and health insurance. David shares the first thing he brings up to his clients when they are looking for health insurance, and what retirees need to think about when choosing the right provider and plan for themselves.

David discusses:

• The first thing he talks to his clients about when it comes to choosing health insurance or a Medicare plan
• What retirees need to think about as they approach the age of 65 with regard to finding the right insurance provider and plan
• The differences between Medicare and health insurance for retirees under the age of 65
• The distinction between Medicare and long-term care insurance, and the decisions retirees may need to be aware of
• And more

Resources:

• Retire Now, But With Training Wheels & Advice For Northerners Who Now Live In The South – Finger Financial Five #72

Connect With David Seiger:

• Berson-Sokol.com
• LinkedIn: David Seiger
• [email protected]
• 216-464-1542 ext.121
• Toll-Free: 1-800-543-6000 ext.121

Connect With Riverbend Wealth Management:

• Riverbend Wealth Management
• 15 Minute Phone Appointment
• Linkedin: Jeremy Finger
• Facebook: Jeremy Finger Riverbend Wealth Management
• Twitter: Jeremy Finger

About Our Guest: 

David is the Vice President of Long Term Care Insurance marketing with Berson–Sokol Agency, Inc. A licensed agent, David has sold long-term care insurance for more than 17 years. David is a graduate of Touro College in New York and the University of Baltimore School of Law. David practiced law in Baltimore and concentrated his practice in the areas of Probate and Elder Law. David frequently writes articles and lectures about the need for Long Term Care Insurance.

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.

As we approach the end of the year, we head into crunch time for tax planning.

In this episode, Jeremy Finger, CFP®, shares some of the best methods to approach tax planning as well as some of the industry’s best kept secrets about taxes.

Jeremy discusses:

• A tax-efficient approach to quantified charitable distributions
• Navigating the retirement tax valley as a retiree
• Keeping your beneficiaries in order throughout the financial planning process
• 529 plans and the different ways it can be implemented
• And more

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.

It’s not too early to begin getting documents in order for estate planning. Is your estate plan ready?

In this episode, Jeremy Finger, CFP®, speaks with Meghan Barnes, an estate attorney, about the documents you should be thinking about when it comes to estate planning and ensuring your wishes are taken care of. Meghan goes over some of the common obstacles people face during estate planning and the available options to overcome those obstacles.

Meghan discusses:

• What documents you need to think about with regard to estate planning, to ensure your wishes are taken care of
• Some of the common obstacles people face when planning their estate, and the available options to overcome them
• What happens if someone passes away without completing any estate planning documents
• Why it’s important to ensure there’s a balance of power among potential guardians in an estate plan
• And more

Resources:

• Estates Planning with Estate Attorney Meghan Barnes (Ep. 3)

Connect with Meghan Barnes:

• (843) 314-8044
• [email protected]
• Law Office of Meghan Barnes

Connect with Riverbend Wealth Management:

• Riverbend Wealth Management
• 15 Minute Phone Appointment
• Linkedin: Jeremy Finger
• Facebook: Jeremy Finger Riverbend Wealth Management
• Twitter: Jeremy Finger

About Our Guest: 

Meghan McKoy Barnes represents clients in matters involving estate planning, probate, prenuptial agreements, and guardianship and conservatorship issues. She grew up in Boykin, South Carolina, and graduated from the University of South Carolina with a double major in Business Management and Marketing. After receiving her undergraduate degree, Meghan attended the Charleston School of Law where she focused on the area of family law. During law school, she clerked for a reputable firm and volunteered as a Guardian ad Litem for the Department of Social Services abuse and neglect cases. Meghan has been practicing since 2012 in the areas of estate planning, probate, and family law. Her experience in these areas of the law has given her a unique understanding of complex issues that can arise without careful planning.

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 are truly in a crazy investment environment right now where predicting what’s to come seems nearly impossible. Let’s take a look at the current state of the market and different investment strategies.

In this episode, Jeremy Finger, CFP®, speaks with John Nichol, MBA, CFA, about the current investing environment. John shares his thoughts on the current environment and what to expect in the future, he compares the flexibility of SMAs and mutual funds, talks about some of the pros and cons of active vs passive investments in the current market, and how he makes sure he’s investing properly as a money manager.

John discusses:

• His thoughts on the current investment environment and what we can anticipate happening in the near future
• The comparison of flexibility inside of an SMA and a mutual fund
• The pros and cons of active vs passive investments
• The processes and people that are in place to methodically make sure they’re investing money properly as money managers
• And more

Connect With John Nichol:

• [email protected] 
• LinkedIn: John Nichol

Connect With Riverbend Wealth Management:

• Riverbend Wealth Management
• 15 Minute Phone Appointment
• Linkedin: Jeremy Finger
• Facebook: Jeremy Finger Riverbend Wealth Management
• Twitter: Jeremy Finger

About Our Guest: 

John Nichol is a chief investment officer and senior portfolio manager at Fundamentum Investment Management. John has over 30 years of portfolio management experience and is a charter financial analyst.

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.

From the time you get your first job to the time you retire, tax planning is crucial throughout your entire life. 

Being efficient with your taxes can help you to live your best life. 

In this episode of the Retire Happy Podcast, Jeremy Finger discusses the importance of people being tax-efficient throughout life. He also explains the four forms of income and why they aren’t taxed the same way. 

Jeremy discusses:

• Why income isn’t taxed the same
• The importance of being tax-efficient in retirement
• The four forms of income
• The importance of saving money in a health savings account
• Why your Social Security should be as high as possible
• And more

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.

A common surprise to many people is when they retire, they realize that they have to pay some taxes. Do you have a plan to help protect your retirement money?

In this episode, Jeremy Finger discusses when it can be an accurate time to do a conversion. He also explains how to take advantage of your retirement tax valley to pay taxes that are on sale, and some tax planning opportunities to be mindful of.

Jeremy discusses:

• The basics of a Roth IRA
• Why you want to pay your taxes when it’s on sale
• The tax planning opportunity of tax loss harvesting
• What to consider when it comes to required minimum distributions
• And more

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.

Over time as you get older your family might see a decline in your physical or mental health. 

But how do you know when you or a loved one may need care assistance from a professional?

In this episode, Jeremy Finger chats with Kelli Jayroe from The Key. She will talk a little bit about the aging process and the options that are available to help take care of your loved ones.

Kelli discusses:

• The difference between assisted living and community living
• How ‘The Key’ is able to care for individuals based on their needs
• How to know when it’s time to change the living arrangements for your loved one
• Signs your loved ones may need extra care assistance
• And more

Connect with Kelli Jayroe:

• (843) 359-5313
• [email protected] 
• TheKey
• LinkedIn: Kelli Jayroe

Connect with Riverbend Wealth Management:

• Riverbend Wealth Management
• 15 Minute Phone Appointment
• Linkedin: Jeremy Finger
• Facebook: Jeremy Finger Riverbend Wealth Management
• Twitter: Jeremy Finger
•  

About Our Guest: 

Kelli Jayroe has been working in the healthcare industry since 2010.  She cares deeply about helping older adults and their families navigate the complexities of the healthcare system by providing them with resources and insights that support positive outcomes. She has worked in the senior living community setting, hospice, health education and now home care. Kelli is a Georgetown native and Coastal Carolina graduate. When she's not working, she enjoys camping, spending time on the water and of course family time with her husband and 2 small daughters. 

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.