A Wiser Retirement®
by Wiser Wealth Management
Many people are afraid of making the wrong financial decisions and often have questions regarding retirement. On A Wiser Retirement® Podcast, Casey Smith, President of Wiser Wealth Management, is joined by either a financial advisor from our firm or by a guest to talk about financial topics such as retirement planning, tax strategy, investing, risk management, or estate planning. We believe the best financial advice should always be conflict free, and want to help investors make better decisions. New episodes every week!
Copyright: © 2024 Wiser Wealth Management
Episodes
I've inherited money, now what?
31m · PublishedOn this episode of A Wiser Retirement™ Podcast, Casey Smith, Missie Beach, CFP®, CDFA®, and Michaela Laney dive into the complex world of estate tax rates, annuities, and IRAs. We shed light on strategies like Roth conversions to minimize tax burdens and the importance of legacy planning to ensure your kids benefit from your inheritance.
But it's not just about the numbers; we also tackle the psychological and practical aspects of managing inherited wealth. Discover the value of diversifying assets, the potential risks of real estate investments, and how a "legacy letter" can express your values and intentions for your inheritance. With the advice of our experts, you'll learn to create a plan to handle your inheritance wisely, avoid squandering the money, and secure a lasting legacy for future generations.
Podcast Episodes Referenced:
- Ep 127: The Cost of Inheriting Wealth, Estate Tax and Opportunities to Avoid It
- Ep 117: What is Generational Wealth & How Do You Preserve It?
Youtube Videos Referenced:
- Does an inheritance count as income?
Download Our eBook: "Buyer Beware: Why do they keep trying to sell you that annuity?"
Click here to schedule a consultation with one of our financial advisors.
Connect With Us:
Our Website
YouTube
Facebook
LinkedIn
Instagram
Twitter
Podcast
Blog
This podcast was produced by Wiser Wealth Management. Thanks for listening!
I've inherited money, now what?
31m · PublishedOn this episode of A Wiser Retirement™ Podcast, Casey Smith, Missie Beach, CFP®, CDFA®, and Michaela Laney dive into the complex world of estate tax rates, annuities, and IRAs. We shed light on strategies like Roth conversions to minimize tax burdens and the importance of legacy planning to ensure your kids benefit from your inheritance.
But it's not just about the numbers; we also tackle the psychological and practical aspects of managing inherited wealth. Discover the value of diversifying assets, the potential risks of real estate investments, and how a "legacy letter" can express your values and intentions for your inheritance. With the advice of our experts, you'll learn to create a plan to handle your inheritance wisely, avoid squandering the money, and secure a lasting legacy for future generations.
Podcast Episodes Referenced:
- Ep 127: The Cost of Inheriting Wealth, Estate Tax and Opportunities to Avoid It
- Ep 117: What is Generational Wealth & How Do You Preserve It?
Youtube Videos Referenced:
- Does an inheritance count as income?
Download Our eBook: "Buyer Beware: Why do they keep trying to sell you that annuity?"
Click here to schedule a consultation with one of our financial advisors.
Connect With Us:
Our Website
YouTube
Facebook
LinkedIn
Instagram
Twitter
Podcast
Blog
This podcast was produced by Wiser Wealth Management. Thanks for listening!
How much money do you need to retire?
33m · PublishedOn this episode of A Wiser Retirement™ Podcast, Casey Smith, Missie Beach, CFP®, CDFA®, and Michaela Laney, discuss retirement planning and demystify the "right amount of money to retire" expectation.
How much money do you really need to retire comfortably? It's a tough question to answer, and the truth is, there isn't a one-size-fits-all solution. Join us in this episode as we explore the factors determining each individual's unique retirement needs, why online retirement calculators can't provide a blanket response, and how evaluating your expenses and time left before retirement can clarify your financial planning.
We also dive into financial strategies to help you achieve your retirement goals, such as freeing up cash flow and saving mortgage interest. Learn how to use the mortgage payoff calculator to maximize the benefits of low mortgage rates and ensure you have a solid emergency reserve in place. Plus, discover the critical importance of maintaining two years' worth of expenses in a cash account during retirement.
Finally, we break down the 4% rule as a starting point in calculating your retirement needs, taking into account expenses, income sources, and taxes. Unveil the impact of inflation and learn how to properly account for it, as well as the importance of grossing up for taxes when using the 4% rule. Listen in as we share our insights on using conservative numbers and considering various factors such as market performance when planning for your golden years.
Podcast Episodes Referenced:
- Ep 158: How much can you spend in retirement?
- Ep 115: What Could Happen if You Don’t Prepare for Retirement
YouTube Videos Referenced:
- How much money is enough to retire?
Other Links:
- https://wiserinvestor.com/mortgage-payoff-calculator/
- https://wiserinvestor.com/budget-calculator/
Download Our eBook: "Buyer Beware: Why do they keep trying to sell you that annuity?"
Click here to schedule a consultation with one of our financial advisors.
Connect With Us:
Our Website
YouTube
Facebook
LinkedIn
Instagram
Twitter
Podcast
Blog
This podcast was produced by Wiser Wealth Management. Thanks for listening!
How much money do you need to retire?
33m · PublishedOn this episode of A Wiser Retirement™ Podcast, Casey Smith, Missie Beach, CFP®, CDFA®, and Michaela Laney, discuss retirement planning and demystify the "right amount of money to retire" expectation.
How much money do you really need to retire comfortably? It's a tough question to answer, and the truth is, there isn't a one-size-fits-all solution. Join us in this episode as we explore the factors determining each individual's unique retirement needs, why online retirement calculators can't provide a blanket response, and how evaluating your expenses and time left before retirement can clarify your financial planning.
We also dive into financial strategies to help you achieve your retirement goals, such as freeing up cash flow and saving mortgage interest. Learn how to use the mortgage payoff calculator to maximize the benefits of low mortgage rates and ensure you have a solid emergency reserve in place. Plus, discover the critical importance of maintaining two years' worth of expenses in a cash account during retirement.
Finally, we break down the 4% rule as a starting point in calculating your retirement needs, taking into account expenses, income sources, and taxes. Unveil the impact of inflation and learn how to properly account for it, as well as the importance of grossing up for taxes when using the 4% rule. Listen in as we share our insights on using conservative numbers and considering various factors such as market performance when planning for your golden years.
Podcast Episodes Referenced:
- Ep 158: How much can you spend in retirement?
- Ep 115: What Could Happen if You Don’t Prepare for Retirement
YouTube Videos Referenced:
- How much money is enough to retire?
Other Links:
- https://wiserinvestor.com/mortgage-payoff-calculator/
- https://wiserinvestor.com/budget-calculator/
Download Our eBook: "Buyer Beware: Why do they keep trying to sell you that annuity?"
Click here to schedule a consultation with one of our financial advisors.
Connect With Us:
Our Website
YouTube
Facebook
LinkedIn
Instagram
Twitter
Podcast
Blog
This podcast was produced by Wiser Wealth Management. Thanks for listening!
How the 2024 Election Will Affect Your Portfolio
34m · PublishedOn this episode of A Wiser Retirement™ Podcast, Casey Smith and Brad Lyons, CFP® discuss how human behavior leads us to believe that a presidential election can make or break our investments.
As we gear up for the 2024 election season, you might be wondering how the political climate could affect market volatility and your financial planning. Fear not, as we're here to help you navigate these uncertain times with a comprehensive discussion on the potential impacts of the upcoming election, the importance of evaluating data objectively, and the Presidential Election Year Cycle Theory.
We'll examine the current state of market volatility, the debt ceiling, and the potential consequences of a divided or unified government. We'll also tackle the fascinating theory proposed by Yale Hirsch, exploring the relationship between presidential administration cycles and stock market returns, and how to stay rational in our investment decisions amidst the emotionally charged election season. Don't miss this insightful conversation that will equip you with the knowledge and perspective needed to make the best decisions for your portfolio during the 2024 election cycle.
Podcast Episodes Referenced:
- Ep 165: 5 Principals of Successful Investing
- Ep 89: Active vs Passive Investing
YouTube Videos Referenced:
- How to be a Long Term Investor
- What is the right time to invest in the stock market?
Download Our eBook: "Buyer Beware: Why do they keep trying to sell you that annuity?"
Click here to schedule a consultation with one of our financial advisors.
Connect With Us:
Our Website
YouTube
Facebook
LinkedIn
Instagram
Twitter
Podcast
Blog
This podcast was produced by Wiser Wealth Management. Thanks for listening!
How the 2024 Election Will Affect Your Portfolio
34m · PublishedOn this episode of A Wiser Retirement™ Podcast, Casey Smith and Brad Lyons, CFP® discuss how human behavior leads us to believe that a presidential election can make or break our investments.
As we gear up for the 2024 election season, you might be wondering how the political climate could affect market volatility and your financial planning. Fear not, as we're here to help you navigate these uncertain times with a comprehensive discussion on the potential impacts of the upcoming election, the importance of evaluating data objectively, and the Presidential Election Year Cycle Theory.
We'll examine the current state of market volatility, the debt ceiling, and the potential consequences of a divided or unified government. We'll also tackle the fascinating theory proposed by Yale Hirsch, exploring the relationship between presidential administration cycles and stock market returns, and how to stay rational in our investment decisions amidst the emotionally charged election season. Don't miss this insightful conversation that will equip you with the knowledge and perspective needed to make the best decisions for your portfolio during the 2024 election cycle.
Podcast Episodes Referenced:
- Ep 165: 5 Principals of Successful Investing
- Ep 89: Active vs Passive Investing
YouTube Videos Referenced:
- How to be a Long Term Investor
- What is the right time to invest in the stock market?
Download Our eBook: "Buyer Beware: Why do they keep trying to sell you that annuity?"
Click here to schedule a consultation with one of our financial advisors.
Connect With Us:
Our Website
YouTube
Facebook
LinkedIn
Instagram
Twitter
Podcast
Blog
This podcast was produced by Wiser Wealth Management. Thanks for listening!
Everything You Need to Know About 529 Plans
28m · PublishedOn this episode of A Wiser Retirement™ Podcast, Casey Smith and Missie Beach, CFP®, CDFA® discuss 529 plans as a vehicle for college savings. Are you prepared for the skyrocketing costs of higher education? Look no further; we've got you covered with this enlightening episode all about 529 plans. Discover the pros and cons of the two main types of plans, learn about the incredible benefits of compounding interest, and understand the various ways to set up a 529 plan. We also dive deep into the tax advantages and emphasize the importance of being mindful of ownership when setting up your child's college savings plan.
But wait - there's more! We don't just stop at the basics; we explore the flexibility of 529 plans to their fullest extent. From transferring beneficiaries and covering eligible expenses to penalty-free withdrawals for scholarships, we've got your back. We even discuss how to use the plans for K-12 tuition and roll unused funds over to a Roth IRA. Plus, we tackle the real challenges of higher education costs, loan rates, and average student debt. We'll even let you in on a valuable tool to calculate return on investment for college majors and the hidden gems of smaller schools with equal education quality but at lower costs. So join us and start planning for your child's future with our comprehensive guide on 529 plans and beyond.
Podcast Episodes Referenced:
- Ep 152: 10 Tax Planning Strategies for High Net Worth Individuals
- Ep 127: The Cost of Inheriting Wealth, Estate Tax and Opportunities to Avoid It
YouTube Videos Referenced:
- 6 Habits of Financially Successful People
- How to be a Long-Term Investor
Download Our eBook: "Buyer Beware: Why do they keep trying to sell you that annuity?"
Click here to schedule a consultation with one of our financial advisors.
Connect With Us:
Our Website
YouTube
Facebook
LinkedIn
Instagram
Twitter
Podcast
Blog
This podcast was produced by Wiser Wealth Management. Thanks for listening!
Everything You Need to Know About 529 Plans
28m · PublishedOn this episode of A Wiser Retirement™ Podcast, Casey Smith and Missie Beach, CFP®, CDFA® discuss 529 plans as a vehicle for college savings. Are you prepared for the skyrocketing costs of higher education? Look no further; we've got you covered with this enlightening episode all about 529 plans. Discover the pros and cons of the two main types of plans, learn about the incredible benefits of compounding interest, and understand the various ways to set up a 529 plan. We also dive deep into the tax advantages and emphasize the importance of being mindful of ownership when setting up your child's college savings plan.
But wait - there's more! We don't just stop at the basics; we explore the flexibility of 529 plans to their fullest extent. From transferring beneficiaries and covering eligible expenses to penalty-free withdrawals for scholarships, we've got your back. We even discuss how to use the plans for K-12 tuition and roll unused funds over to a Roth IRA. Plus, we tackle the real challenges of higher education costs, loan rates, and average student debt. We'll even let you in on a valuable tool to calculate return on investment for college majors and the hidden gems of smaller schools with equal education quality but at lower costs. So join us and start planning for your child's future with our comprehensive guide on 529 plans and beyond.
Podcast Episodes Referenced:
- Ep 152: 10 Tax Planning Strategies for High Net Worth Individuals
- Ep 127: The Cost of Inheriting Wealth, Estate Tax and Opportunities to Avoid It
YouTube Videos Referenced:
- 6 Habits of Financially Successful People
- How to be a Long-Term Investor
Download Our eBook: "Buyer Beware: Why do they keep trying to sell you that annuity?"
Click here to schedule a consultation with one of our financial advisors.
Connect With Us:
Our Website
YouTube
Facebook
LinkedIn
Instagram
Twitter
Podcast
Blog
This podcast was produced by Wiser Wealth Management. Thanks for listening!
Crypto Special: The SEC and Crypto
35m · PublishedOn this special crypto episode of A Wiser Retirement™ Podcast, Casey Smith and Robert Swarthout discuss news in the Crypto world and the SEC's involvement in lawsuits against different Crypto companies.
Podcast Episodes Referenced:
- Ep 161: Crypto Special: Why Crypto is So Confusing to the Average Investor
- Ep 157: Crypto Special: Where Crypto is Headed with Don Friedman, President of DACFP
YouTube Videos Referenced:
- What are the Best Short-Term Investment Plans?
- What is the Number One Rule in Investing?
Download Our eBook: "Buyer Beware: Why do they keep trying to sell you that annuity?"
Click here to schedule a consultation with one of our financial advisors.
Connect With Us:
Our Website
YouTube
Facebook
LinkedIn
Instagram
Twitter
Podcast
Blog
This podcast was produced by Wiser Wealth Management. Thanks for listening!
Crypto Special: The SEC and Crypto
35m · PublishedOn this special crypto episode of A Wiser Retirement™ Podcast, Casey Smith and Robert Swarthout discuss news in the Crypto world and the SEC's involvement in lawsuits against different Crypto companies.
Podcast Episodes Referenced:
- Ep 161: Crypto Special: Why Crypto is So Confusing to the Average Investor
- Ep 157: Crypto Special: Where Crypto is Headed with Don Friedman, President of DACFP
YouTube Videos Referenced:
- What are the Best Short-Term Investment Plans?
- What is the Number One Rule in Investing?
Download Our eBook: "Buyer Beware: Why do they keep trying to sell you that annuity?"
Click here to schedule a consultation with one of our financial advisors.
Connect With Us:
Our Website
YouTube
Facebook
LinkedIn
Instagram
Twitter
Podcast
Blog
This podcast was produced by Wiser Wealth Management. Thanks for listening!
A Wiser Retirement® has 305 episodes in total of non- explicit content. Total playtime is 174:29:50. The language of the podcast is English. This podcast has been added on November 21st 2022. It might contain more episodes than the ones shown here. It was last updated on May 30th, 2024 11:42.
