Social Security has 678 ways to file and over 2,000 rules to consider. This can cause confusion and many challenges when you begin planning for your retirement. In this episode, Brandon shares three lesser-known rules about Social Security filing and why it’s important to understand these rules to maximize benefits. Also, Brandon explains why income plans need to be personalized in retirement and not rely solely on Social Security. Ready to learn more about your Social Security benefits? Visit BowenWealth.com to start today!

Annuities often have a bad reputation due to fees, generating a low stream of income, and locking up principal. However, higher interest rates have made annuities something to consider when building out an income plan for retirement. In this episode, Brandon breaks down the concerns people have with annuities and why they can be a valuable and beneficial tool to generate income in retirement. Ready to see if annuities are right for you? Visit BowenWealth.com to start today!

Nick Saban’s wife Terry wrote to her husband “The 10 Commandments of Retirement” now that the legendary coach has called it a career. While the full list is still private, Ms. Terry did reveal some of things that Coach Saban has to abide by. In this episode, Brandon shares what his commandments in retirement are and what he advises retirees to do to live their best retirement life. Ready to plan for the retirement you’ve dreamed of? Visit BowenWealth.com to start today!

Retirement can be a source of fear and uncertainty for many people. Retirees may face an identity crisis after walking away from work and struggle to find a purpose in their retirement years. In this episode, Brandon discusses how aiming to define your dream retirement may lead to a mindset change of achieving financial independence and what that looks like for retirees. Ready to plan for the retirement you’ve dreamed of? Visit BowenWealth.com to start today!

Country Music star Cody Johnson recently shared with us how the “rush” and nervousness he experiences when going on stage helped him find his purpose. Nerves may often hinder us from taking the right steps to finding purpose during our retirement years, which could be costly. On this episode, Brandon shares how being nervous about running out of money may ultimately prevent you from living out the retirement that you want. Hear about the importance of taking proactive steps when building out a custom retirement plan that suits your desires. Ready to plan for the retirement you’ve dreamed of? Visit BowenWealth.com to start today!

The top 20 airlines racked up $33 Billion in baggage fees last year. How much in fees came out of your portfolio last year? While paying fees in retirement is necessary, you don’t have to pay as much as you think. On this episode, Brandon explains what types of investments could be hindering the growth of your retirement plan and suggests alternative options to minimize your plan’s expenses. Ready to see how much in fees you’re paying in your current retirement plan? Visit BowenWealth.com for your portfolio review.

Hear a young woman’s reaction to taxes being deducted from her first paycheck at her first full-time job. Don’t be like Emmie Jackson and get caught off guard by the amount of taxes coming out of your first retirement paycheck. On this episode, Brandon discusses the many tax strategies that people in or near retirement need to utilize to make the most of their retirement plan. Hear about the importance of not only having a tax preparer, but a tax planner to help maximize your savings. Ready to optimize your tax strategy in retirement? Visit BowenWealth.com for your portfolio review.

Anew survey found the average person has 26 items of clothing that never get worn. 65% of people admit to having clothes with tags still on them! We all have a closet that could use some cleaning out, but it likely won’t have much effect on your future. But what about your “financial closet?” On this episode, Brandon speaks of the common to out-of-date findings he sees when running a portfolio X-Ray. Just like having 6 colors of the same shirt, he’ll often find redundancies like multiple fund holdings that carry the same investments, and similar to having clothes that don’t fit, you may have investments that don’t fit. You don’t dress like you did when you were 35, so why are you still invested like you were at 35? Ready to refocus your finances toward the future? Visit BowenWealth.com for your portfolio review.

One checklist of what to do 5 years before retirement sums it up by saying, “Know what’s coming in, know what’s going out, and have a plan for taxes and healthcare.” It seems simple enough, but what could you be missing? Charleston’s Retirement Coach, Brandon Bowen, digs deeper to sort through the “easy items” and “tough stuff” you need to address within your own plan. Learn ways to identify and organize your financial needs, wants, and risks. Go beyond the basics and address income longevity, stock market risk, and sequence of return planning. Whether you have $500,000 or $5 million, take actionable steps to help avoid financial blind spots within your plan. Visit BowenWealth.com  to schedule time with Brandon and begin your personalized retirement gameplan.

On this episode Charleston’s Retirement Coach, Brandon Bowen, tackles the growing fear of rising taxes and how it could impact your retirement. Learn why traditional savings like 401Ks might suffer from future tax hikes, discover how proactive planning across different tax accounts could reduce your tax burden, and hear ways to identify whether your advisor is costing you money while missing growth opportunities. Visit BowenWealth.com and take action against the “taxman” and his plans for your savings.

“Moving on” has been a theme among some big names in sports, including Alabama football coach Nick Saban. We hear from Coach Saban and what made him realize it was time to move on to retirement, to the surprise of many Tide fans. Brandon parallels the idea to the surprise for someone who finds out their advisor is moving on or retiring themselves. He shares the challenges that can come like being passed around to different junior advisors, or having to work with someone who doesn’t understand your goals and objectives. As you move closer to retirement your needs change. At Bowen Wealth they can help you shift from growth to income and create strategies for the other areas you need to have covered in your later years. Visit BowenWealth.com to learn ways to create a smooth transition into retirement.

If you made a New Year’s resolution, there’s a good chance you’ve abandoned it by now… about 43% of us do by the end of January! The main reason is that we’re not being held accountable by anyone to keep it. In this episode, Charleston’s Retirement Coach Brandon Bowen talks about the ways he helps keep his clients accountable to their financial goals. Brandon shares how having a disciplined approach to your financial goals is crucial for retirement and his belief of how “discipline now can lead to freedom later.” Explore the significance of accountability and the role of a comprehensive retirement plan to help create steady income during retirement. Turn your financial resolutions into reality! Visit BowenWealth.com and take the first step towards building your retirement game plan in 2024.

In this episode, Brandon Bowen discusses crucial strategies to help you better prepare for your financial future and navigate the challenges of retirement. Join as he discusses the TIAA (Teachers Insurance and Annuity Association of America) controversy, emphasizing the importance of a fee analysis to reveal hidden costs and enable you to make more informed decisions about your financial future. Explore essential elements of a comprehensive retirement plan, from designing surplus income to covering expenses to reducing market risk. Brandon shows how a "boring" portfolio may be just the thing you need for a happy retirement. If you're uncertain about your retirement plan, visit BowenWealth.com to schedule a fee X-ray on your portfolio.

Join Charleston’s Retirement Coach Brandon Bowen as he explains the art of creating a retirement plan that's both disciplined and dream filled. Brandon shares how he prioritizes honest conversations with his clients so that he can understand their personal aspirations and better customize their individual financial plans. From market crashes to unexpected windfalls, Brandon showcases how a living, breathing retirement plan evolves with your life. He gives insight into navigating the delicate balance between disciplined financial decisions while also allowing yourself the freedom to enjoy the retirement you've envisioned. Whether it's a second home, a dream vacation, or a golf membership, visit BowenWealth.com to learn ways to better incorporate your dreams within your overall retirement strategy.

Join Brandon as he discusses crucial strategies to prepare for your financial future, especially in the face of rising inflation. From unexpected expenses to the impact of inflation on daily costs, he breaks down the complexities of retirement planning, especially for couples entering this next phase. Discover why inflation is a critical factor to consider and how it can sneak up on your retirement expenses. Learn the significance of stress-testing your plan and the role of investments in the game of retirement. Brandon shares actionable steps from investment strategies to addressing rising living costs, all in effort to help you understand how much you’ll be able to spend. If you’re contemplating retirement but feeling uncertain, visit BowenWealth.com to learn more about navigating the evolving financial landscape.

In this episode, we delve into the concept and challenges associated with retiring early—a dream harbored by many. Brandon shares his observations on clients who, despite having saved substantial amounts, hesitate to take the leap into retirement and not just because they fear running out of money… Digging into the psyche of retirees, he unveils the mental barriers that hold people back like the identity crisis some face when contemplating retirement and how their attachment to work roles and titles can become a stumbling block, hindering the transition to a life of leisure. Pre-retirees should ask themselves: Does working one more year with a busy schedule really make a difference, when you can retire now, maintain the same income, but live life on your own terms? The episode emphasizes the importance of stress testing financial plans, addressing risks, fees, and the need for a solid income replacement strategy. If you’re contemplating retirement but feeling uncertain, visit us at BowenWealth.com and begin the conversation towards better securing your financial future.

In this episode, Brandon shares a recent exchange with a car mechanic, showcasing the dealership's commitment to transparency and customer safety. He uses the experience to point out the similarities between auto repair language and the complexities of financial advice, highlighting the fear and intimidation people often feel in both scenarios. Much like the car owner's fear of deceptive mechanics, individuals often worry about navigating the complexities of financial advisors. The importance of transparency and a comprehensive risk and fee analysis becomes evident to help ensure financial confidence. If you've been contemplating a second opinion on your financial portfolio, go to BowenWealth.com to start a conversation about securing your financial future with confidence.

Just as a Thanksgiving feast brings joy and fulfillment, your retirement should also be a time of happiness and abundance! On this episode, Brandon draws the parallels between preparing a holiday feast and crafting a successful retirement income plan. Gather around as we discuss the “entrée” and “sides” for your financial future. Just like a well-balanced meal, your retirement income plan should have various components. Brandon discusses maximizing Social Security, exploring fixed indexed annuities, alternative investments, real estate, and dividend stock portfolios. It's an array of flavors tailored to your specific situation, ensuring a steady income stream during retirement. Connect with Brandon and his team at BowenWealth.com to begin exploring what key ingredients will help satisfy your retirement goals and dreams.

A tiny Georgia restaurant is in the news over the fee they’re charging customers who bring in unruly children. The story sparks a conversation about the fees you pay on your retirement savings…whether or not you know it. Many investors have minimal understanding of the fees associated with their portfolios. Brandon highlights three common areas where fees hide and explains the hefty toll these hidden fees can take on your financial outcome. If you're concerned about hidden fees eroding your retirement savings or curious about the true costs of managing your investments, connect with Brandon and his team at BowenWealth.com to start your journey towards financial clarity today!

Holiday candy has started piling up and the seasonal feeding frenzy has begun. But this time of year is not just about treats; it's also about tricks to make your money work harder! Instead of feeling guilty about indulging, let's explore opportunities to make strategic moves for your finances…In this episode of Charleston’s Retirement Coach, Brandon Bowen discusses some key strategies to consider for end-of-year financial planning. We hear from personal finance guru Suze Orman, who's looking at bonds as a potentially attractive investment in the current environment. Brandon also shares an interesting perspective on how many people overestimate their willingness to endure market volatility until they're faced with red numbers in their portfolios. He also shares how he works to calculate the "income efficiency score" of his clients’ portfolios to measure how effectively they will generate income in retirement. Connect with Brandon and his team at BowenWealth.com to learn how to calculate your retirement “income efficiency score.”

Many investors who’ve worked with financial professionals have longstanding relationships with their advisors, who’ve served them well during their working years. However, as they approach retirement, they might begin to question if they're still getting the service they need for this next phase of life. In this episode, financial advisor and retirement planner, Brandon Bowen discusses how, just as your needs in doctors change, the type of financial advisor you need may also be different. Even if you are fond of your current advisor, it is important to get a second opinion on your plan to understand what options you might have for creating income streams, filing for social security, and tax and legacy planning. Connect with Brandon and his team at BowenWealth.com for a second opinion on your savings and investments.

In this episode, Charleston’s Retirement Coach, Brandon Bowen, delves into the perplexing world of bond market trends noting the current inverted yield curve and how it often predicts recessions. But how does this affect your retirement savings? Brandon offers a fresh perspective to understanding your portfolio by treating it like you would the temperature settings on your oven: Should you go low and slow with conservative investments? Embrace the middle ground? opt for higher-risk strategies for specific financial goals? He explains ways to tailor your investment strategy, utilizing exclusive Market Guard portfolios, to help you achieve your unique goals while also working to ensure that your income needs are met. Looking to build balance into your retirement accounts? Connect with Brandon and his team at BowenWealth.com, and start making your path to a fulfilling retirement. #FinancialPlanning #InvestmentStrategies #RetirementPortfolio #InvertedYieldCurve #Recession #MarketTrends #MarketGuard #IncomePlanning #RetirementIncome #FinancialAdvisor #RetirementPlanning #FinancialMarket #BowenWealth #FinancePodcast #FinancialLiteracy #RetirementGoals #RetirementSavings #FinancialAdvisor #FinancialFuture #WealthManagement #RetirementPodcast #FinancialLiteracy #wealth #fyp #podcast #SouthCarolina #Charleston #CharlestonsRetirementCoach #RetirementGameplan

In this episode, Charleston’s Retirement Coach, Brandon Bowen delves into what he calls "rocking chair regrets" and how he wants everyone to avoid them. Through the story of a couple he knows, who postponed retirement only for the husband to pass away shortly after, he highlights the importance of making the most of your years while you have them. Brandon also discusses the fears that keep some people in jobs they dislike and the critical role financial planning plays in retiring sooner and living life to the fullest. Discover how better Social Security strategies and income-focused portfolios can help make your retirement dreams a reality. If you're feeling stuck in your job and dreaming of retirement, connect with Brandon and his team at BowenWealth.com, and start making those dreams a reality. #RetirementPlanning #FinancialPlanning #RockingChairRegrets #EarlyRetirement #IncomePortfolio #SocialSecurityStrategy #SocialSecurity #FinancialAdvisor #BowenWealth #FinancePodcast #FinancialLiteracy #RetirementGoals #RetirementYears #FinancialEducation #RetireSooner #RetirementDreams #IncomePlan #RetirementSavings #RetirementIncome #RetirementPlanning #FinancialFuture #WealthManagement #RetirementPodcast #FinancialLiteracy #wealth #fyp #podcast #SouthCarolina #Charleston #BrandonBowen #BowenWealth #CharlestonsRetirementCoach #RetirementGameplan #FinancialAdvisor

Social Security is a vital part of retirement planning for many Americans. But with so many different filing strategies available, it can be tough to know which one is right for you. In this episode, Brandon shares insight on how to find what Social Security filing strategy may work for your individual needs. Brandon discusses the different factors to consider when choosing a filing strategy, such as your age, health, income, and retirement goals.  He also explains how to avoid some of the common pitfalls of Social Security planning. Before you file for Social Security, connect with Brandon and his team at BowenWealth.com, to begin the conversation about your filing options and building a retirement income plan customized to your goals. #SocialSecurity #SocialSecurityFilingStrategies #SocialSecurityBenefits #IncomePlan #RetirementSavings #RetirementIncome #RetirementPlanning #FinancialFuture #WealthManagement #FinancePodcast #FinancialLiteracy #wealth #fyp #podcast #SouthCarolina #Charleston #BrandonBowen #BowenWealth #CharlestonsRetirementCoach #RetirementGameplan #FinancialAdvisor

The financial landscape is changing, and traditional market wisdom may not hold true anymore. In this episode, Brandon dives into the disconnect between the stock market and the economy and the importance of caution in your investment approach. Brandon also shares the reasons he believes you may want to give annuities a second look. Annuities are often misunderstood but have evolved and now offer many compelling benefits for retirees, especially in today's economic climate. Brandon breaks down the advantages of annuities compared to traditional low-yield bond funds, how they could provide principal protection with reliable growth (even in uncertain times), and their role in building a diversified retirement portfolio. If you’re ready to build an income plan for your retirement, connect with Brandon and his team at BowenWealth.com, to begin the conversation today. #IncomePlan #RetirementSavings #RetirementIncome #InvestmentStrategies #Annuities #FinancialEducation #RetirementPlanning #FinancialFuture #MarketTrends #PrincipalProtection #PortfolioDiversification #FinancialAdvisor #WealthManagement #FinancePodcast #FinancialLiteracy #RiskManagement #PortfolioXray #DiversifiedPortfolio #wealth #fyp #podcast #SouthCarolina #Charleston #BrandonBowen #BowenWealth #CharlestonsRetirementCoach #RetirementGameplan

In this episode of Charleston’s Retirement Coach, we dive into the intriguing story of Nike's gamble with the Air Jordan line and how it paid off big time. But when it comes to your financial future, should you rely on gut feelings?  For Brandon Bowen, the answer is a resounding no. Brandon discusses how meticulous planning, a well-crafted income plan, smart investment strategies, and tax planning can help safeguard your retirement years. He also shares a heartfelt story about unexpected life events and the importance of having a solid financial plan in place to endure these kinds of rough waters. Gain insight on ways to help secure your financial future and connect with Brandon and his team at BowenWealth.com. #FinancialPlanning #RetirementPlanning #NikeAirJordan #FinancialFuture #InvestmentStrategies #IncomePlan #TaxPlanning #WealthManagement #BowenWealth #RetirementReadiness #RealLifePlanning #FinancePodcast #FinancialLiteracy #Retirement #FinancialStability #MoneyManagement #PlanForTheFuture #FinancialAdvisor #RetirementSavings #FinancialStrategy #SmartInvesting #FinancialSuccess #WealthPreservation #RetirementIncome #Nike #AirJordan #RiskManagement #FinancialEmpowerment #BrandonBowen #CharlestonsRetirementCoach #RetirementGameplan #FinancialPlanner #wealth #fyp #podcast #SouthCarolina #Charleston

Retirees are benefiting from an 8.7% increase in Social Security benefits due to the largest cost-of-living adjustment (COLA) in decades. But there's a catch – this boost can also push seniors into higher tax brackets, aka a "stealth" tax. In this episode, Charleston’s Retirement Coach Brandon Bowen shares what stealth taxes are and how they could affect your retirement, while shedding light on steps you can take to help protect your money utilizing strategies like Roth conversions. Brandon also explains the progressive tax system, debunks common misconceptions about tax brackets and provides insight on ways you may be able to reduce future tax liabilities through proactive financial planning. Learn how to navigate the intricacies of tax-efficient retirement planning and make informed decisions to optimize your income while keeping Uncle Sam at bay. Don't fall into the victimhood mentality – empower yourself with knowledge to optimize your retirement income. Connect with Brandon and his team at BowenWealth.com. #StealthTaxes #RetirementIncomePlanning #SocialSecurity #TaxEfficientRetirement #FinancialPlanning #TaxPlanningForRetirees #ProgressiveTaxSystem #TaxBracketManagement #RetirementIncome #FinancialPlanning #COLA #RothConversions #FinancialAdvisor #RetirementStrategy #FinancialFuture #RetirementPlanning #RetirementGoals #TaxOptimization #RetirementSavings #RetirementStrategies #FinancialEmpowerment #FinancialChallenges #BrandonBowen #BowenWealth #RetirementReadiness #RetirementIncomeStrategy #CharlestonsRetirementCoach #RetirementGameplan #Retirement #FinancialPlanner #FinancialLiteracy #wealth #fyp #podcast #SouthCarolina #Charleston

In this episode, Charleston’s Retirement Coach, Brandon Bowen, takes you on a journey to understand the hidden fees that might be lurking in your 401(k) plan, which could impact your retirement savings more than you realize. Join the conversation as he breaks down the startling statistics about fee misconceptions and the impact of high fees on your future income. Discover how seemingly minor fees can lead to significant losses over time and hinder your financial progress. Utilizing real-life examples, Brandon shares insight to navigate these challenges while offering guidance to optimize your retirement strategy. Learn how to shine a light on your 401(k) plan, explore cost-effective alternatives, and make informed decisions that can potentially save you thousands of dollars. Ready to uncover the truth about your 401(k) fees? Connect with Brandon and his team at BowenWealth.com. #401kFees #RetirementSavings #HiddenFees #RetirementStrategy #FeeMisconceptions #HighFees #RetirementIncome #FinancialChallenges #CostEffectiveAlternatives #MaximizeRetirementSavings #FinancialFuture #BrandonBowen #BowenWealth #RetirementPlanning #RetirementReadiness #FinancialPlanning #Financialreadiness #retirementbudgeting #Retirementincomestrategy #CharlestonsRetirementCoach #RetirementGameplan #retirementplanning  #retirement #financialplanner #financialliteracy #wealth #fyp #podcast #SouthCarolina #Charleston

In this episode, Charleston’s Retirement Coach Brandon Bowen delves into some of the crucial steps needed to ensure a smooth transition into retirement. Brandon shares valuable insights on how to avoid disappointment by adequately preparing for retirement, drawing parallels with NBA legend Charles Barkley's unfulfilled aspirations for his daughter's basketball career. Discover actionable steps you can take to assess your financial readiness, develop a budget that ensures both necessities and leisure, devise a tax-efficient withdrawal strategy, and navigate the complex landscape of healthcare and insurance planning. With Brandon's guidance, gain tools to create a comprehensive retirement game plan that leads you more confidently towards the retirement lifestyle you desire. Connect with Brandon and his team at Bowen Wealth to begin your retirement journey. #Financialreadiness #retirementbudgeting #Retirementincomestrategy #Healthcareplanning #CharlestonsRetirementCoach #CharlesBarkley #SirCharles #retirementexpectations #retirementdisappointments #RetirementGameplan #retirementplanning #portfoliobalance #retirement #financialplanner #financialliteracy #wealth #fyp #podcast #SouthCarolina #Charleston

On this episode, Charleston’s Retirement Coach Brandon Bowen shares insight to help navigate the ever-changing landscape of the stock market. With market volatility and conflicting advice becoming more common, it's easy to feel overwhelmed and unsure about how to approach your retirement planning. Brandon sheds light on ways to avoid the pitfalls of emotional decision-making and their unique approach for asset allocation using proprietary Market Guard portfolios at Bowen Wealth. If you're concerned about market uncertainty and want to make informed decisions connect with Brandon and his team at Bowen Wealth and learn ways to increase balance with a methodical investment plan that works to minimize risk, while still allowing for growth and returns during retirement. #fomo #fearofmissingout #fearofgettingbackin #marketworries #CharlestonsRetirementCoach #stockmarket #marketvolatility #retirementplanning #assetallocation #MarketGuard #portfoliobalance #minimizerisk #retirement #financialplanner #financialliteracy #wealth #fyp #podcast #SouthCarolina #Charleston

On this episode of Charleston’s Retirement Coach, we hear a clip from Brandon’s recent conversation with American conservative political commentator, author and activist Candace Owens, and the conversation they had about “Victim Mentality.” Candace shares what she believes are the 3 things you can implement in life to overcome victim mentality, inspiring Brandon to ask: Did your portfolio go down 20% or more in 2008 or 2022? How have you responded so that you’re not a victim in the next major crash? How long will you blame the government and stock markets? Brandon commonly sees this mindset hindering people’s approach to their investments, money management and retirement planning. At Bowen Wealth, they help their clients find their own financial freedom by taking back the power over their savings and investments. Connect with Brandon and his team at Bowen Wealth to learn ways you may be able to better protect your retirement. #retirement #financialplanner #financialliteracy #wealth #fyp #podcast #victimmentality #CandaceOwens #SouthCarolina #Charleston

Financial advisor and retirement planner Brandon Bowen recently sat down with American conservative political commentator, author, activist, and television presenter Candace Owens to discuss, among other things, the role her grandfather played in her life and so much more! Connect with Brandon and his team at Bowen Wealth to learn ways you may be able to better protect your retirement.

Over 90% of financial advisors do not last three years in the industry. Common reasons for quitting include lack of fulfillment, difficulty finding clients and burnout.  Financial advisor and retirement planner Brandon Bowen has been in the business for over 15 years. On this episode of Charleston’s Retirement Coach,  Brandon explains what’s different about the approach that he and his team take at Bowen Wealth, which has allowed them to withstand the test of time. Brandon also shares his recent experience of his daughter being in a car accident and the revelations it gave him on the planning he does for his clients. Many spend their working years insuring things that are important: Life, Health, Home, Automobiles… Yet so many people Brandon meets have done nothing to insure what may be their biggest asset of all - their RETIREMENT savings! For many, their biggest financial fears in retirement are: Running out of money A major market crash Long term health care But they don’t realize the opportunities they might have to insure themselves from these events, which could in turn free them from these fears and worries. Brandon does point out how insurance options are only a piece of the pie within your overall plan, but can help create: Protection from market crashes Income streams you won’t outlive, even if your account balance goes to zero Income that doubles if a health event prevents you from performing 2 of the 6 Activities of Daily Living. Creating a “DIY Pension” When the next market crash happens, will you be sitting in the passenger seat feeling that all is lost? Or will you be in the driver’s seat, knowing that you’ve built guardrails around your retirement savings and that you would be ok? Connect with Brandon and his team at Bowen Wealth to learn ways you may be able to better protect your retirement.

Tired of phone scammers and telemarketers? The company Jolly Roger is fighting back by selling a phone bot that uses AI (artificial intelligence) to interact with the callers to the point that they give up. It’s an entertaining way to let technology deal with the frustration of spam calls. On this episode of Charleston’s Retirement Coach, financial advisor and retirement planner, Brandon Bowen talks about common financial frustrations that have people seeking help from Bowen Wealth. Those frustrations include: No PLAN for retirement, from current advisor Too much volatility & risk Fear of running out of money Keep getting passed off to another advisor at one of their “big banks.” Asking for a plan and hearing, “Oh, you are going to be fine!” Being told “We don’t do Social Security; you’ll have to call the SS office.” Brandon talks about how he works to alleviate these frustrations by providing income plans, showing ways to reduce market risk, and creating tax-efficiency through Roth’s and other options. If you’re frustrated with your finances, connect with Brandon and his team at Bowen Wealth and begin creating your own solutions.

In youth, “Cash is king.” In retirement, “INCOME is king!” Financial advisor Brandon Bowen spends his days hammering this idea into the heads of pre-retirees and retirees.  You must have an income plan in place, and it cannot be dependent on the market… Financial advisor Angela Sloan, reiterates this idea highlighting how the market is where you go for growth but is not a good income plan because you never know what it’s going to give you. On this episode of Charleston’s Retirement Coach, Brandon shares ideas on building many sources of income with pensions, annuities, social security, retirement savings, rental properties, and other options through the real-life stories of his own clients and their experiences using a variety of tools. If Social Security is your only source of protected income, you may need to find other ways to create a ROCK-SOLID income plan. It is up to you as to how safe you want it to be and every option has pros and cons, which is why you need to have many “buckets” utilizing different tools and placing a portion of your savings into each bucket. Purpose determines placement. Ready to build your Retirement Income Plan? Connect with Brandon and his team at Bowen Wealth.

Last year, the Texas Rangers signed All-Star pitcher Jacob DeGrom to a 5-year, $185 million contract. Now, DeGrom is undergoing surgery that will not only end his 2023 season but may take him out of the 2024 season as well. Adding insult to injury, the Rangers turned down the insurance policy on DeGrom’s contract because it was “prohibitively expensive” and are obligated to pay him $30M this year and $40M next year. Putting too much money behind one investment can backfire when unexpected events occur. Charleston’s Retirement Coach and Financial Advisor Brandon Bowen points out the comparable risks he sees retirees, and pre-retirees, take with their Retirement Income Plans, or lack thereof. Is SS your only protected income source? Are you depending solely on a large 401k or IRA? Is your plan to simply pull 4%-6% annually from your savings, with the hope that the markets AVERAGE enough to support the income? If you answered “yes” to any of these questions, then you are at risk. On this episode, Brandon shares ideas to help protect your assets from Sequence-of-returns risk, market downturns, and other unexpected events. Begin building your Retirement Income Plan with Brandon and his team at BowenWealth.

Even successful comedians have problems letting go with the money they’ve earned. Sebastian Maniscalco talks about growing up in a middle-class family and, despite his success, the challenges he has spending his money. Charleston’s Retirement Coach and Financial Advisor, Brandon Bowen speaks about the similar conversations he regularly has with his clients who are afraid of spending the money they’ve saved for retirement and how he helps them spend confidently with a plan that gives you permission to spend your own money…. Do you want to: Take that big trip while you’re still able? Buy a convertible or boat? Build a pool or remodel your kitchen? Pass money onto your kids and grandkids? Let’s put the plan together! Share your goals openly with Brandon so that he can bring value and help you achieve the retirement you deserve! Begin your Retirement Income Plan. Visit BowenWealth.com.

Major League Baseball has instituted a number of rule changes this year. The pitch clock, bigger bases, and the elimination of “The Shift” were all added to speed up the game. Retirement rules change all the time as well. On this episode, Charleston’s Retirement Coach and Financial Advisor, Brandon Bowen highlights one major tax rule change that’s coming. The “Trump Tax Cuts” expire in 2026. Brandon emphasizes the importance of understanding the current rules of the “game,” so that you can play to win! Brandon and his team at BowenWealth.com can help you run the “what if” scenarios to see how certain moves may benefit you and your estate plan.

Summertime means vacation time! But, before you board that plane, grab some disinfecting wipes. A former flight attendant gives “insider info” on how clean (or not) airplanes really are. On this episode, Charleston’s Retirement Coach Brandon Bowen explains that the same thing could be happening with your savings! A lot of retirement portfolios also contain dirt that could be costing you thousands every year. Find the “dirt” hiding in your accounts with a Portfolio X-ray from Brandon and his team at BowenWealth.com.

On this episode we hear from country music star Jameson Rodgers and how, even at the age of 35, he’s already thinking about what he hopes his legacy will be. Charleston’s Retirement Coach, Brandon Bowen, expresses gratitude to our military men and women and their families, while sharing the ways he helps everyone he works with move through the sensitive area of creating an estate and legacy plan, as well as insight to how he helps build confidence for those who’ve already been widowed and worry whether their money will last. If you need help building a legacy plan into your retirement plan, connect with Brandon and his team at BowenWealth.com.

Author of “Rich Dad, Poor Dad,” Robert Kiyosaki recently spoke of the investment opportunities he sees in commodities in this economic environment. On this episode of Charleston’s Retirement Coach, financial advisor Brandon Bowen talks about moving money in your retirement savings plan towards protection and defense, and the common mistakes many investors make when trying to do so. If you have questions about ways to change your investment strategy in the current economy connect with Brandon and his team at BowenWealth.com for your Retirement Gameplan.

Creating boundaries with your family, yourself, and Uncle Sam. Connect at BowenWealth.com. #Charleston #Retirement

Retirees want to have fun and travel but first, you must have this. Connect at BowenWealth.com. #Charleston #Retirement

Brandon shares a client request based on “bad internet info.” Connect at BowenWealth.com. #Charleston #Retirement

High prices have consumers changing how they shop. Brandon applies this thinking to the difference between working with a big bank vs. an independent advisor. Connect at BowenWealth.com.

How much of your savings will you actually keep? If you haven’t planned for taxes, it will likely be a lot less than you think. Connect at BowenWealth.com.

In sports, the big guys get all the love and it’s often the same in the financial industry - the more money you have, the more attention you get. Brandon shares how he’s working to change that. Connect at BowenWealth.com.

The failures of Signature and Silicon Valley Bank have many asking, “is my money safe?” Brandon clarifies what is, and is not federally insured, plus ways to create safety yourself. Connect at BowenWealth.com.

We hear from Country Music Star Jason Aldean and the lessons he’s learned about having the right team around you, prompting Brandon to share what sets the team at Bowen Wealth apart.

Wall Street has enjoyed a recent rally, but some warn it won’t last long. Brandon talks about ridding yourself of “market emotions” in retirement. Connect at BowenWealth.com.