Real Personal Finance

On this week's episode:  A deeper dive on refinancing

• Where should you look to refinance?
• How can you go about it?
• What to look for: rate, points, and closing costs
• Know your breakeven for the refinance
• What type of loan is best for you?

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James

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Scott

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On this week's episode:  Should I Invest in Gold?

• A brief history of gold
  • Commodity vs. Investment
• Inflation hedge?
• Portfolio Diversification

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James

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Scott

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On this week's episode: Do I Need Disability Insurance?

• Which is more likely death or disability?
  • What are the most common types?
• What is disability insurance?
• Am I covered with Social Security Disability Insurance?
• Types of Disability Insurance (DI)
• Where can you get DI?
• Terms to know
  • Benefit Period
  • Elimination Period
  • Coverage Amount
  • Cost of insurance
  • Taxation

LET'S CONNECT!

James

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Scott

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On this week's episode: What can I really control in my financial life?

• What can't I control?
• What can I control?
  • Savings Rate
  • Mindful spending
  • Asset Allocation
  • Asset Location
  • Investing in my career
  • Creating a financial plan
  • Having the proper insurance
  • Optimizing cash flow and taxes
  • Having an estate plan in place
  • Treating planning as a process, not a thing

LET'S CONNECT!

James

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Scott

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On this week's episode:  What changed with SECURE Act?

• Required Minimum Distributions (RMD) 
  • Pushed to age 72
• IRA Contributions
  • No longer an age limit
• Non-spouse Inherited IRAs
• Small Business Retirement Plans
• Other provisions
  • Beware of annuities in 401(k)s!
• College Changes

Super Geeky Detail if you want more! Thank you Jeff Levine

LET'S CONNECT!

James

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Scott

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On this week's episode:  Should I leave my financial advisor?

• What are your options?
  • Balanced Mutual Fund
    • Ex: Vanguard Welling Fund Admiral Shares
  • Robo Advisors
    • Vanguard Personal Advisor Services
    • Betterment
  • Traditional Financial Advisor
    • Find an Advisor
  • Vanguard's Advisor Alpha 
• What we believe a great financial should do: The 4 C's
  • Competence
  • Coaching
  • Continuity
  • Convenience
• There is a spectrum of advice .... what is right for you?
• Don't overpay for the level of advice you want
  • Ex: Pay 1% of investment management when you can get investment management for .25% 

LET'S CONNECT!

James

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Scott

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• Website

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On this week's episode:

• How Social Security works
• Keys to maximizing Social Security
• What is the payback on Social Security?
• Should I delay Social Security or start as soon as possible?
• Other odds and ends

LET'S CONNECT!

James

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Scott

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• Website

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On this week's episode:

• What is a credit score?
• Where does it come from?
• What factors count toward my score?
• Where can I find my credit history?
  • Annual Credit Report
• Where can I find my credit score?
  • Credit Karma

LET'S CONNECT!

James

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Scott

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• Website

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On this week's episode:

• Pay Yourself First
• Have Sufficient Liquidity
• Pay Off Bad Debts
• Own the right-sized home
• Invest in your Career

Five Fundamentals Of Fiscal Fitness

LET'S CONNECT!

James

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Scott

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On this week's episode:

• What is long-term care?
• How much does long term care cost?
• How do I pay for it?
• When should I consider Long-Term Care Insurance?
• Other considerations

LET'S CONNECT!

James

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• LinkedIn
• Website

Scott

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• Twitter
• Website

ENJOY THE SHOW?

Don’t miss an episode, subscribe via iTunes, Sticher, Spotify, or Google Play.

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Have a money question you want us to answer? Submit one here