Welcome to today’s episode, where we take a deep dive into one of the most important but often misunderstood roles in personal and financial planning: the Power of Attorney. Whether you’re considering appointing someone, have recently been named as one, or simply want to plan ahead for yourself or your loved ones, this episode will give you a clear, practical understanding of what a Power of Attorney does, what duties they owe, and how to avoid common pitfalls.

WealthGrow - By Wharton Investment Consultants 5010 Canby Drive, Wilmington DE 19808 Tel: 302-239-2111

Securities and advisory services offered through Registered Representatives of Cetera Advisor Networks LLC (doing insurance business in CA as CFGAN Insurance Agency LLC), member FINRA, SIPC, a broker/dealer and a Registered Investment Advisor Cetera is under separate ownership from any other named entity.

 “The Power of Dividend Investing” - how companies pay you for owning their shares, and how that income can complement retirement cash flow, charitable giving, and generational planning.

WealthGrow - By Wharton Investment Consultants 5010 Canby Drive, Wilmington DE 19808 Tel: 302-239-2111

Securities and advisory services offered through Registered Representatives of Cetera Advisor Networks LLC (doing insurance business in CA as CFGAN Insurance Agency LLC), member FINRA, SIPC, a broker/dealer and a Registered Investment Advisor Cetera is under separate ownership from any other named entity.

Today we are tackling a topic that is arguably the most important, and often the most misunderstood, financial decision of your life: Social Security.

I see it all the time. Clients, often wanting to retire or seeing a friend start collecting, rush to claim their benefits early—maybe at 62. They're focused on getting the money now. But here’s the cold, hard truth: Claiming early is the most common and expensive retirement mistake for most Americans, especially women.

We are going to flip that script today. We are going to explore the undeniable, mathematically guaranteed benefits of delaying your Social Security benefit until the maximum age of 70. This decision isn't just about a few extra dollars; it's about longevity insurance, securing your spouse's future, and creating an income stream you simply can't outlive.

By the end of this episode, you’ll know the three critical claiming ages, why age 70 is a financial superpower, and exactly how to build a "bridge strategy" to help get you there.

WealthGrow - By Wharton Investment Consultants 5010 Canby Drive, Wilmington DE 19808 Tel: 302-239-2111

Securities and advisory services offered through Registered Representatives of Cetera Advisor Networks LLC (doing insurance business in CA as CFGAN Insurance Agency LLC), member FINRA, SIPC, a broker/dealer and a Registered Investment Advisor Cetera is under separate ownership from any other named entity.

Today’s topic is a big one — Portfolio Management and Risk.
We’ll explore what portfolio management really means, how risk fits into it, and how a disciplined approach can help you navigate any market environment with confidence. 

WealthGrow - By Wharton Investment Consultants 5010 Canby Drive, Wilmington DE 19808 Tel: 302-239-2111

Securities and advisory services offered through Registered Representatives of Cetera Advisor Networks LLC (doing insurance business in CA as CFGAN Insurance Agency LLC), member FINRA, SIPC, a broker/dealer and a Registered Investment Advisor Cetera is under separate ownership from any other named entity.

Welcome to WealthGrow, where we discuss building wealth, securing your future, and making informed financial decisions. My name is Stuart Cameron, OSJ Branch Manager and Financial Advisor with Wharton Investment Consultants and today we’re diving into a powerful and often overlooked strategy for retirees — how to make charitable contributions directly from your Required Minimum Distribution, or RMD.

Stick with me for the next 30 minutes, and by the end of this episode, you’ll understand what RMDs are, how charitable giving from them works, why it could save you money on taxes, and how to do it the right way.

WealthGrow - By Wharton Investment Consultants 5010 Canby Drive, Wilmington DE 19808 Tel: 302-239-2111

Securities and advisory services offered through Registered Representatives of Cetera Advisor Networks LLC (doing insurance business in CA as CFGAN Insurance Agency LLC), member FINRA, SIPC, a broker/dealer and a Registered Investment Advisor Cetera is under separate ownership from any other named entity.

“Welcome to WealthGrow, where we discuss building wealth, securing your future, and making informed financial decisions. My name is Stuart Cameron, OSJ Branch Manager and Financial Advisor with Wharton Investment Consultants and today we’re diving into an area of planning that often gets overlooked — but can have some of the biggest impacts on how your money and assets are passed down.

We’re talking about beneficiary designations and something called per stirpes.

Now, I know those terms might sound a little intimidating or even like legal jargon, but by the end of this episode, you’ll understand what they mean, how they work, and most importantly, why getting them right can be crucial for your family’s financial well-being.”

WealthGrow - By Wharton Investment Consultants 5010 Canby Drive, Wilmington DE 19808 Tel: 302-239-2111

Securities and advisory services offered through Registered Representatives of Cetera Advisor Networks LLC (doing insurance business in CA as CFGAN Insurance Agency LLC), member FINRA, SIPC, a broker/dealer and a Registered Investment Advisor Cetera is under separate ownership from any other named entity.

Whether you’re ten years away, or just starting to think about retirement planning, this episode will walk you through the key steps to help ensure a financially secure and fulfilling retirement. So grab a cup of coffee, and let’s talk about your future."

WealthGrow - By Wharton Investment Consultants 5010 Canby Drive, Wilmington DE 19808 Tel: 302-239-2111

Securities and advisory services offered through Registered Representatives of Cetera Advisor Networks LLC (doing insurance business in CA as CFGAN Insurance Agency LLC), member FINRA, SIPC, a broker/dealer and a Registered Investment Advisor Cetera is under separate ownership from any other named entity.

Today we’re diving into a topic that might seem simple but is so important: naming beneficiaries for your IRA.

Now, you might be thinking, “I’ve already named someone on my form—done and dusted, right?” Well, not exactly. Missteps here can have major consequences for your loved ones and your hard-earned savings. In fact, I’ll share a quick story: a man passed away, and despite his will stating everything should go to his kids, his ex-wife—still listed as his IRA beneficiary—ended up inheriting the entire account. Yikes!

So today, we’ll cover everything you should know to get this right.

WealthGrow - By Wharton Investment Consultants 5010 Canby Drive, Wilmington DE 19808 Tel: 302-239-2111

Securities and advisory services offered through Registered Representatives of Cetera Advisor Networks LLC (doing insurance business in CA as CFGAN Insurance Agency LLC), member FINRA, SIPC, a broker/dealer and a Registered Investment Advisor Cetera is under separate ownership from any other named entity.

Today we’re diving into a really important rule that affects many people who inherit retirement accounts: the 10-Year Rule. Whether you’ve inherited an IRA, a 401(k), or you’re planning your estate, you’ll want to understand how this rule works and what it means for your financial strategy.

We’ll break this down into easy sections: what the 10-Year Rule is, who it applies to, how it works in practice, exceptions you need to know, and some smart strategies to consider 

WealthGrow - By Wharton Investment Consultants 5010 Canby Drive, Wilmington DE 19808 Tel: 302-239-2111

Securities and advisory services offered through Registered Representatives of Cetera Advisor Networks LLC (doing insurance business in CA as CFGAN Insurance Agency LLC), member FINRA, SIPC, a broker/dealer and a Registered Investment Advisor Cetera is under separate ownership from any other named entity.

Today we’re diving into one of the most important ideas in investing — something called Modern Portfolio Theory, or MPT for short.
Now, I know what you’re thinking — 'theory'? Sounds complicated. But stick with me — because once you get this, it could completely change the way you think about money, risk, and investing.
Plus, I’ll break it down with real-world examples — no fancy math required. Let’s jump right in."

WealthGrow - By Wharton Investment Consultants 5010 Canby Drive, Wilmington DE 19808 Tel: 302-239-2111

Securities and advisory services offered through Registered Representatives of Cetera Advisor Networks LLC (doing insurance business in CA as CFGAN Insurance Agency LLC), member FINRA, SIPC, a broker/dealer and a Registered Investment Advisor Cetera is under separate ownership from any other named entity.