Market downturns naturally trigger anxiety for investors, but having a better understanding of your investment strategy can provide peace of mind during market turbulence.

• Broad-based market ETFs diversification vs individual stocks
• Creating the fixed income "war chest"
• Laddered bond strategies—what are they?
• Applying at least a 5-year perspective
• "Anchor bias"
• Taking breaks from the news

If you enjoyed today's episode, please subscribe to What the Wealth and share it with someone who might benefit.

🗓️ Meet with me: https://paradigmwealthpartners.com/begin-your-journey/#calendly
↔️ Connect with me on LinkedIn: https://www.linkedin.com/in/jbednarii/
🌐 Paradigm Wealth Partners (website) – Financial planning for career professionals who want to retire and stay retired: https://paradigmwealthpartners.com/
🌐 What the Wealth (website) – Adding clarity to difficult financial topics: https://whatthewealth.com/
▶️ YouTube: Paradigm Wealth Partners

If you or someone you care about could use the help of a financial advisor and sees the value in establishing a financial plan, please reach out to me.

Thanks for Listening!

Jonathan

In this episode I'll walk you through a detailed retirement case study for David (73) and Tammy (65) who have $625,000 in retirement savings plus a $180,000 business stake to sell, examining if they can retire comfortably with these assets.

• Will their combined SS benefits of approximately $61,000 annually cover their basic annual expenses?
• Monte Carlo simulation shows an 81-83% probability of retirement plan success, even with a $30,000 European trip and $50,000 home repairs—will that work?
• Taking SS at 65 instead of 70, what's the impact?
• Will the plan remain viable even if markets perform below average for the next 30 years?
• Long-term care expenses represent the biggest threat, dropping their success probability
• Will their modest retirement savings support a comfortable retirement with proper planning?
• Inflation needs to be factored in

If you're curious about your own financial plan or how to turn your nest egg into a reliable retirement paycheck, reach out to us at Paradigm Wealth Partners. We provide full-service investment management and financial planning to help you be confident in your retirement.

▶️ Access this episode on YouTube to see all of the planning and details

🗓️ Meet with me: https://paradigmwealthpartners.com/begin-your-journey/#calendly
↔️ Connect with me on LinkedIn: https://www.linkedin.com/in/jbednarii/
🌐 Paradigm Wealth Partners (website) – Financial planning for career professionals who want to retire and stay retired: https://paradigmwealthpartners.com/
🌐 What the Wealth (website) – Adding clarity to difficult financial topics: https://whatthewealth.com/
▶️ YouTube: Paradigm Wealth Partners

If you or someone you care about could use the help of a financial advisor and sees the value in establishing a financial plan, please reach out to me.

Thanks for Listening!

Jonathan

The 6-5-4 bucket strategy can transform your retirement savings into a sustainable income stream while maintaining long-term growth potential.

In today's epsiode I dive into this on more detail: A simple yet powerful approach that creates a clear withdrawal plan that provides both financial security and peace of mind during market volatility.

• Calculate your retirement income needs 
• Set aside living expenses in an emergency fund
• Five years (60 months) of income needs in a second bucket 
• Invest the remaining portfolio for growth

If you want to learn more about how the 6-5-4 strategy may apply to your situation, reach out directly for personalized guidance.

🗓️ Meet with me: https://paradigmwealthpartners.com/begin-your-journey/#calendly
↔️ Connect with me on LinkedIn: https://www.linkedin.com/in/jbednarii/
🌐 Paradigm Wealth Partners (website) – Financial planning for career professionals who want to retire and stay retired: https://paradigmwealthpartners.com/
🌐 What the Wealth (website) – Adding clarity to difficult financial topics: https://whatthewealth.com/
▶️ YouTube: Paradigm Wealth Partners

If you or someone you care about could use the help of a financial advisor and sees the value in establishing a financial plan, please reach out to me.

Thanks for Listening!

Jonathan

We unpack a strategy to transform an inherited IRA into tax-free retirement wealth through a strategic Roth conversion. A client recently inherited $52,000 from his mother and was taking RMDs without a clear plan until we implemented this approach.

What you'll learn:
• Inherited IRAs become "beneficiary IRAs" when passed down to non-spouses
• Beneficiary IRAs must be fully depleted within 10 years
• RMDs are calculated based on prior year account value and IRS tables
• Taking RMDs without a strategy can miss major tax planning opportunities

🗓️ Meet with me: https://paradigmwealthpartners.com/begin-your-journey/#calendly
↔️ Connect with me on LinkedIn: https://www.linkedin.com/in/jbednarii/
🌐 Paradigm Wealth Partners (website) – Financial planning for career professionals who want to retire and stay retired: https://paradigmwealthpartners.com/
🌐 What the Wealth (website) – Adding clarity to difficult financial topics: https://whatthewealth.com/
▶️ YouTube: Paradigm Wealth Partners

If you or someone you care about could use the help of a financial advisor and sees the value in establishing a financial plan, please reach out to me.

Thanks for Listening!

Jonathan

Market uncertainty triggers two distinctly opposite responses from investors. 

We see some frantically call ready to cash out, while others eagerly seek opportunities to deploy additional capital.

The CNN Fear and Greed Index currently sits around 20 (out of 100), indicating fear among investors. 

For investors wrestling with uncertainty, several critical points deserve consideration. Let's remember, successful investing requires adherence to long-term planning rather than emotional reactions. Market timing demands being right twice – when selling and when buying back in – a challenge that defeats most investors who typically wait until markets "feel good" again, missing substantial portions of the recovery. 

🗓️ Meet with me: https://paradigmwealthpartners.com/begin-your-journey/#calendly
↔️ Connect with me on LinkedIn: https://www.linkedin.com/in/jbednarii/
🌐 Paradigm Wealth Partners (website) – Financial planning for career professionals who want to retire and stay retired: https://paradigmwealthpartners.com/
🌐 What the Wealth (website) – Adding clarity to difficult financial topics: https://whatthewealth.com/
▶️ YouTube: Paradigm Wealth Partners

If you or someone you care about could use the help of a financial advisor and sees the value in establishing a financial plan, please reach out to me.

Thanks for Listening!

Jonathan

Market volatility triggers panic, but historical data reveals why staying calm and sticking to your financial strategy is the smartest approach during turbulent times.

• Every time CNBC has aired a "Markets in Turmoil" special since 2010, the S&P 500 was higher one year later by an average of 40%
• Market fluctuations are natural and expected parts of long-term investing
• Panic selling locks in losses and typically causes investors to miss the subsequent rebounds
• Market value is fundamentally driven by corporate earnings, but short-term movements are heavily influenced by fear and greed
• A "war chest" or "bond buffer" with five years of fixed income can provide both income and psychological reassurance during downturns
• Market declines represent buying opportunities, especially when quality investments have been indiscriminately sold off

If you haven't already subscribed to the podcast, please do so. It really helps us. If you're looking for a second opinion or want help, or even if you have a question, send it to [email protected].

🗓️ Meet with me: https://paradigmwealthpartners.com/begin-your-journey/#calendly
↔️ Connect with me on LinkedIn: https://www.linkedin.com/in/jbednarii/
🌐 Paradigm Wealth Partners (website) – Financial planning for career professionals who want to retire and stay retired: https://paradigmwealthpartners.com/
🌐 What the Wealth (website) – Adding clarity to difficult financial topics: https://whatthewealth.com/
▶️ YouTube: Paradigm Wealth Partners

If you or someone you care about could use the help of a financial advisor and sees the value in establishing a financial plan, please reach out to me.

Thanks for Listening!

Jonathan

Are you confident that your home insurance will cover you in times of crisis? When disaster strikes, many homeowners discover they lack sufficient protection. In this episode, I dive into the world of property and casualty insurance, especially as it relates to rising 📈 home values and recent catastrophic events across the country. 

The importance of maintaining accurate insurance levels for your home and this conversation underscores the urgency of reevaluating your current policy to reflect your home's true worth. 

• Often-overlooked aspects of liability coverage
• Safeguarding not only your home but also your wealth against unforeseen accidents
• Specialty items and the need for riders or additional coverage to protect valuables from damage or theft

We also introduce the concept of umbrella coverage, debunking misconceptions about its high costs while emphasizing its crucial role in financial safety. 

🗓️ Meet with me: https://paradigmwealthpartners.com/begin-your-journey/#calendly
↔️ Connect with me on LinkedIn: https://www.linkedin.com/in/jbednarii/
🌐 Paradigm Wealth Partners (website) – Financial planning for career professionals who want to retire and stay retired: https://paradigmwealthpartners.com/
🌐 What the Wealth (website) – Adding clarity to difficult financial topics: https://whatthewealth.com/
▶️ YouTube: Paradigm Wealth Partners

If you or someone you care about could use the help of a financial advisor and sees the value in establishing a financial plan, please reach out to me.

Thanks for Listening!

Jonathan

The recent sell-off in NVIDIA's stock highlights the fears surrounding market volatility. Past events quickly emphasizes the importance of maintaining a robust financial plan and understanding emotional market reactions.

On this episode:
• The emotional impact of market headlines 
• Significance of NVIDIA's decline in the context of market stability 
• Historical perspectives on market downturns and recoveries 
• The necessity of a diversified investment portfolio 
• Importance of financial planning in overcoming fears 
• Strategies to weather economic storms with confidence 

🗓️ Meet with me: https://paradigmwealthpartners.com/begin-your-journey/#calendly
↔️ Connect with me on LinkedIn: https://www.linkedin.com/in/jbednarii/
🌐 Paradigm Wealth Partners (website) – Financial planning for career professionals who want to retire and stay retired: https://paradigmwealthpartners.com/
🌐 What the Wealth (website) – Adding clarity to difficult financial topics: https://whatthewealth.com/
▶️ YouTube: Paradigm Wealth Partners

If you or someone you care about could use the help of a financial advisor and sees the value in establishing a financial plan, please reach out to me.

Thanks for Listening!

Jonathan

This episode focuses on healthcare options for early retirees, highlighting the Affordable Care Act and its accessibility. 

I share insights into navigating healthcare.gov, addressing chronic health issues, and making informed decisions without the need to remain in the workforce solely for insurance. 

• Discussion of a couple's specific healthcare concerns 
• Explanation of the Affordable Care Act and its benefits 
• Step-by-step guide to using healthcare.gov for plan comparison 
• Importance of evaluating chronic health conditions in plan selection 
• Strategies for early retirement without sacrificing health coverage 
• Encouragement for taking proactive steps in healthcare planning 

🗓️ Meet with me: https://paradigmwealthpartners.com/begin-your-journey/#calendly
↔️ Connect with me on LinkedIn: https://www.linkedin.com/in/jbednarii/
🌐 Paradigm Wealth Partners (website) – Financial planning for career professionals who want to retire and stay retired: https://paradigmwealthpartners.com/
🌐 What the Wealth (website) – Adding clarity to difficult financial topics: https://whatthewealth.com/
▶️ YouTube: Paradigm Wealth Partners

If you or someone you care about could use the help of a financial advisor and sees the value in establishing a financial plan, please reach out to me.

Thanks for Listening!

Jonathan

Retirement is not just a distant dream; it's an achievable destination that requires strategic navigation. The What the Wealth Retirement Podcast unravels the complexities of planning for your golden years. 

As I shift the focus of our discussions, I’m excited to provide content that directly speaks to the retirement goals of our diverse audience. Whether you're dreaming of retiring at 50 or planning to stay active until you're 90, I've got the expertise to guide you through. 

🗓️ Meet with me: https://paradigmwealthpartners.com/begin-your-journey/#calendly
↔️ Connect with me on LinkedIn: https://www.linkedin.com/in/jbednarii/
🌐 Paradigm Wealth Partners (website) – Financial planning for career professionals who want to retire and stay retired: https://paradigmwealthpartners.com/
🌐 What the Wealth (website) – Adding clarity to difficult financial topics: https://whatthewealth.com/
▶️ YouTube: Paradigm Wealth Partners

If you or someone you care about could use the help of a financial advisor and sees the value in establishing a financial plan, please reach out to me.

Thanks for Listening!

Jonathan