What Goes Into a Financial Plan?
Financial planning is something that we engage in every day when we budget and save for our various needs, but to experience the true value of financial planning we need to take a step back and look at all of our needs at once, prioritizing them so we can allocate our resources accordingly. Nathan …
Money Management After Marriage
Getting married is one of the happiest and most exciting moments in life, but after the big day is over, many are unprepared for the transition to jointly managing their financial lives. Donna and Nathan discuss best practices for combining finances and managing shared expenses for newlyweds. Also …
Tackling Tax Time
The tax filing deadline is officially behind us, but for those who found themselves underprepared for the big day, it may be wise to start thinking about a better approach for next year. Donna offers tax prep tips, and ways you can get the most from your tax refund. Also on MoneyTalk, options for …
Why Bonds Deserve More Attention
The majority of financial news coverage is focused on the stock market, but to long-term focused investment professionals the bond market is also vastly important, and when it comes to conversations of government bailouts, fixed income is the place they turn to first. Nathan speaks with Jeffrey Han…
Is it Time to Bury the 4% Rule?
The 4% rule is a rule of thumb which states that a typical retirement portfolio can sustain a withdrawal rate of 4% per year for 30 years without running out of money. Donna and Nathan explain the data behind this theory, and some of the reasons why it may not hold up in today’s world. Also on Mone…
Stock Buybacks
Over the past decade we’ve seen a major shift in companies moving away from issuing dividends in favor of stock buybacks, and although this practice has been criticized by some of the media, it’s hard for investors to know if this strategy should impact their decision about whether or not to invest…
How Different Types of Income Are Taxed
If you receive 100% of your income from your salary, the manner in which you are taxed is relatively straightforward, but most Americans receive income from multiple different sources, all of which are taxes a little differently. Donna and Nathan discuss how your tax liability is calculated on diff…
Back 2 Basics
From the early days of MoneyTalk, Don Sowa used to say that investing doesn’t have to be complicated, and a successful money management strategy starts with focusing on the basics. Donna brings us back to the basics of investing, answering some common questions such as: How much do you need to star…
Tough Times for HELOC Holders
The HELOC is one of the most popular types of home equity loan due to its flexibility, but many who are carrying old balances on their variable rate HELOCs are struggling with unmanageable payments due to our high interest rate environment. Donna and Nathan discuss options for managing variable rat…
IRMAA, Retirement Regrets & Gray Divorce
Donna pulls from the MoneyTalk Listener grab bag to answer questions from listeners like you, including: How does IRMAA impact my Medicare premium? What are some of the biggest regrets of todays retirees? And, how do you adjust your retirement plan if you are a senior going through a divorce? Hos…