🎃 After some fall 🍂 and creepy Halloween chat 👻 (courtesy of Mike's kids), we discuss various “safe” money options that may be on your radar, and which might be best for YOU! Retirement planning can feel like a daunting task, especially when the economic landscape seems uncertain. 

With interest rates on CDs, money market accounts, and Treasury yields showing promise, the question arises: Should you consider annuities or explore alternative options? Mike and Kristen dive into the pros and cons of annuities and explore the potential benefits of Treasury bonds as a safer investment choice for retirees.



===================== 

🔔Subscribe to our podcast to learn more about all things portfolio management.

📺 Watch our weekly YouTube show  / @guardingyournestegg

🧑‍💻 For a free financial plan or to talk to an advisor, Click here.

👥 Connect with us on Facebook https://www.facebook.com/talonwealth/

🎃 After some fall 🍂 and creepy Halloween chat 👻 (courtesy of Mike's kids), we discuss various “safe” money options that may be on your radar, and which might be best for YOU! Retirement planning can feel like a daunting task, especially when the economic landscape seems uncertain. 
With interest rates on CDs, money market accounts, and Treasury yields showing promise, the question arises: Should you consider annuities or explore alternative options? Mike and Kristen dive into the pros and cons of annuities and explore the potential benefits of Treasury bonds as a safer investment choice for retirees.
 
===================== 
🔔Subscribe to our podcast to learn more about all things portfolio management.
📺 Watch our weekly YouTube show <a href="https://www.youtube.com/channel/UCBNgaszPfFovDaMUL4iWXkQ"> / @guardingyournestegg</a>
🧑‍💻 For a free financial plan or to talk to an advisor, <a href="https://www.guardingyournestegg.com/meet">Click here</a>.
👥 Connect with us on Facebook<a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbmo2SVp1dm8yV1pFdjRyVXdYSzhlVWMtVlBnZ3xBQ3Jtc0ttN0RFVnhCMFVST3o2YUpTUWtZUkd2dGZSa0hLbTNqWEpqZXFLWEZTZ0dCR0hYLVlmTE9tX0tyX3loYS05SDBXU1ZqMzdtR0c1ZnlEaWx0SDBXSWdDT2l2Y1hQTndyTkt5MGVLLTYta1Y5N0x1S2dCSQ&amp;q=https%3A%2F%2Fwww.facebook.com%2Ftalonwealth%2F&amp;v=S5a1M2o3oK0"> https://www.facebook.com/talonwealth/</a>

Too many financial salespeople are masquerading as fiduciaries trying to make a dollar off your hard-earned money.  We’re on a mission to cut through the noise and provide level-headed, unbiased insights to help you retire better. Our show is unfiltered, unbiased, and real-talk about retirement planning to help you maximize your wealth and lifestyle.  Join fee-only fiduciary Mike Lester, along with Kristen Charles to cut through the noise of retirement planning gossip.

➡ New Episode Tuesdays.

➡ To be notified when we post a new episode:

For Apple Podcasts, Spotify, iHeartRadio or whatever platform you prefer, click on the ➕ Follow icon near the top of the page. 



Mike Lester 

Kristen Charles 

© 2023 Talon Wealth. All rights reserved.  

Mike Lester is an investment adviser representative of Talon Private Wealth, LLC, an SEC-registered investment adviser. Talon Private Wealth and this podcast network are not affiliated. Information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. This information should not be considered tax or legal advice. Discussions and answers to questions do not involve the rendering of personalized investment advice, but are limited to the dissemination of general information. The information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any securities or advisory services. Be sure to consult with a tax professional before implementing any investment strategy. Florida license D056341. California License 0N00828. 

🐊 Talon Wealth is The Official Wealth Management Team of the Florida Gators. Compensation was paid to Learfield for partnership with the Gators as of January 2023.

Too many financial salespeople are masquerading as fiduciaries trying to make a dollar off your hard-earned money.  We’re on a mission to cut through the noise and provide level-headed, unbiased insights to help you retire better. Our show is unfiltered, unbiased, and real-talk about retirement planning to help you maximize your wealth and lifestyle.  Join fee-only fiduciary Mike Lester, along with Kristen Charles to cut through the noise of retirement planning gossip.
➡ New Episode Tuesdays.
➡ To be notified when we post a new episode:
For <a href="https://podcasts.apple.com/us/podcast/guarding-your-nest-egg/id1383867091">Apple Podcasts</a>, <a href="https://open.spotify.com/show/25gFegSM0rfPhyQPhyvQx8?si=fd375d0a50c84dac">Spotify</a>, <a href="https://www.iheart.com/podcast/256-guarding-your-nest-egg-30953622/">iHeartRadio</a> or whatever platform you prefer, click on the ➕ Follow icon near the top of the page. 
 
Mike Lester 
Kristen Charles 
© 2023 Talon Wealth. All rights reserved.  
Mike Lester is an investment adviser representative of Talon Private Wealth, LLC, an SEC-registered investment adviser. Talon Private Wealth and this podcast network are not affiliated. Information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. This information should not be considered tax or legal advice. Discussions and answers to questions do not involve the rendering of personalized investment advice, but are limited to the dissemination of general information. The information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any securities or advisory services. Be sure to consult with a tax professional before implementing any investment strategy. Florida license D056341. California License 0N00828. 
🐊 Talon Wealth is The Official Wealth Management Team of the Florida Gators. Compensation was paid to Learfield for partnership with the Gators as of January 2023.

Guarding Your Nest Egg

Too many financial salespeople are masquerading as fiduciaries trying to make a dollar off your hard-earned money.  We’re on a mission to cut through the noise and provide level-headed, unbiased insights to help you retire better. Our show is unfiltered, unbiased, and real-talk about retirement planning to help you maximize your wealth and lifestyle.  Join fee-only fiduciary Mike Lester, along with Kristen Charles to cut through the noise of retirement planning gossip.

➡ New Episode Tuesdays. 

➡ To be notified when we post a new episode: For Apple Podcasts, Spotify, iHeartRadio or whatever platform you prefer, click on the ➕ Follow icon near the top of the page.  



Mike Lester 

Kristen Charles 

© 2023 Talon Wealth. All rights reserved.  

Mike Lester is an investment adviser representative of Talon Private Wealth, LLC, an SEC-registered investment adviser. Talon Private Wealth and this podcast network are not affiliated. Information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. This information should not be considered tax or legal advice. Discussions and answers to questions do not involve the rendering of personalized investment advice, but are limited to the dissemination of general information. The information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any securities or advisory services. Be sure to consult with a tax professional before implementing any investment strategy. Florida license D056341. California license 0N00828. 

🐊 Talon Wealth is The Official Wealth Management Team of the Florida Gators. Compensation was paid to Learfield for partnership with the Gators as of January 2023.

Too many financial salespeople are masquerading as fiduciaries trying to make a dollar off your hard-earned money.  We’re on a mission to cut through the noise and provide level-headed, unbiased insights to help you retire better. Our show is unfiltered, unbiased, and real-talk about retirement planning to help you maximize your wealth and lifestyle.  Join fee-only fiduciary Mike Lester, along with Kristen Charles to cut through the noise of retirement planning gossip.
➡ New Episode Tuesdays. 
➡ To be notified when we post a new episode: For <a href="https://podcasts.apple.com/us/podcast/guarding-your-nest-egg/id1383867091">Apple Podcasts</a>, <a href="https://open.spotify.com/show/25gFegSM0rfPhyQPhyvQx8?si=fd375d0a50c84dac">Spotify</a>, <a href="https://www.iheart.com/podcast/256-guarding-your-nest-egg-30953622/">iHeartRadio </a>or whatever platform you prefer, click on the ➕ Follow icon near the top of the page.  
 
Mike Lester 
Kristen Charles 
© 2023 Talon Wealth. All rights reserved.  
Mike Lester is an investment adviser representative of Talon Private Wealth, LLC, an SEC-registered investment adviser. Talon Private Wealth and this podcast network are not affiliated. Information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. This information should not be considered tax or legal advice. Discussions and answers to questions do not involve the rendering of personalized investment advice, but are limited to the dissemination of general information. The information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any securities or advisory services. Be sure to consult with a tax professional before implementing any investment strategy. Florida license D056341. California license 0N00828. 
🐊 Talon Wealth is The Official Wealth Management Team of the Florida Gators. Compensation was paid to Learfield for partnership with the Gators as of January 2023.

BETTER (Not Scarier) Alternatives to Annuities

An unexpected item has made its way into Costco 🛒.  Gold bars!  Yep. You can now find one-ounce gold bars for sale online at Costco.  Mike and Kristen discuss whether or not it’s a wise move to hedge against economic uncertainty and explore the pros and cons of investing in physical gold. 

The rush to buy gold bars at Costco may be a sign of growing economic anxiety and distrust in the government, but it's essential to weigh the practicality of such an investment. Physical gold can be challenging to store and transact with, and there are more accessible alternatives like precious metals ETFs. It's a good idea to consult with a fiduciary financial advisor to explore your options and make informed decisions about protecting your wealth.



=====================

🔔 Subscribe to our podcast to learn more about all things portfolio management.

📺 Watch our weekly YouTube show  / @guardingyournestegg

🧑‍💻 For a free financial plan or to talk to an advisor, Click here.

👥 Connect with us on Facebook https://www.facebook.com/talonwealth/

An unexpected item has made its way into Costco 🛒.  Gold bars!  Yep. You can now find one-ounce gold bars for sale online at Costco.  Mike and Kristen discuss whether or not it’s a wise move to hedge against economic uncertainty and explore the pros and cons of investing in physical gold. 
The rush to buy gold bars at Costco may be a sign of growing economic anxiety and distrust in the government, but it's essential to weigh the practicality of such an investment. Physical gold can be challenging to store and transact with, and there are more accessible alternatives like precious metals ETFs. It's a good idea to consult with a fiduciary financial advisor to explore your options and make informed decisions about protecting your wealth.
 
=====================
🔔 Subscribe to our podcast to learn more about all things portfolio management.
📺 Watch our weekly YouTube show <a href="https://www.youtube.com/channel/UCBNgaszPfFovDaMUL4iWXkQ"> / @guardingyournestegg</a>
🧑‍💻 For a free financial plan or to talk to an advisor, <a href="https://www.guardingyournestegg.com/meet">Click here</a>.
👥 Connect with us on Facebook<a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbmo2SVp1dm8yV1pFdjRyVXdYSzhlVWMtVlBnZ3xBQ3Jtc0ttN0RFVnhCMFVST3o2YUpTUWtZUkd2dGZSa0hLbTNqWEpqZXFLWEZTZ0dCR0hYLVlmTE9tX0tyX3loYS05SDBXU1ZqMzdtR0c1ZnlEaWx0SDBXSWdDT2l2Y1hQTndyTkt5MGVLLTYta1Y5N0x1S2dCSQ&amp;q=https%3A%2F%2Fwww.facebook.com%2Ftalonwealth%2F&amp;v=S5a1M2o3oK0"> https://www.facebook.com/talonwealth/</a>

Should I Buy Gold at Costco? 🤔

As we approach retirement, financial decisions become increasingly crucial. One is whether to convert your traditional IRA or 401(k) into a Roth IRA. Based on a recent live event attendee's question, Mike and Kristen discuss the complexities of Roth conversions and help you understand whether it's the right choice for your unique financial situation. 



➡️ The Allure of Tax-Free Retirement Income: Roth IRA conversions have gained popularity due to the promise of tax-free income during retirement. The concept is enticing: you pay taxes upfront when you convert your traditional retirement accounts, and then your withdrawals in retirement are entirely tax-free. Who wouldn't want that? However, the decision to convert isn't one-size-fits-all, and there are crucial factors to consider. 

➡️ Understanding Roth Conversions: Roth conversions involve transferring money from a pre-tax retirement account to a Roth IRA. While this may sound straightforward, it's essential to grasp the tax implications. When you convert, the amount transferred is treated as ordinary income, subject to your current income tax rate. Therefore, your tax bracket plays a pivotal role in the decision-making process. 

➡️ Tax Bracket Considerations: Your tax bracket impacts the cost of conversion. If you're already in a high-income tax bracket, converting may mean paying a significant amount in taxes upfront, potentially diminishing the benefits of a Roth IRA. Conversely, if you're in a lower tax bracket, a conversion could be more tax-efficient. 

➡️ Timing Matters: Timing is crucial when considering a Roth conversion. It might make more sense to convert when you expect to be in a lower tax bracket, such as after retirement or during years with reduced income. Assess your future income projections to determine the most tax-advantageous time for conversion. Is a Roth IRA conversion right for you? The answer depends on your individual circumstances. It's crucial to gather information, assess your financial goals, and consult with experts who can help you make an informed decision. Reach out to professionals who can guide you on this journey and ensure that your retirement strategy aligns with your unique needs and aspirations. 



===================== 

🔔Subscribe to our podcast on your preferred platform to learn more about all things portfolio management.



📺 Watch our weekly YouTube show  / @guardingyournestegg

🧑‍💻 For a free financial plan or to talk to an advisor, Click here.

👥 Connect with us on Facebook https://www.facebook.com/talonwealth/

As we approach retirement, financial decisions become increasingly crucial. One is whether to convert your traditional IRA or 401(k) into a Roth IRA. Based on a recent live event attendee's question, Mike and Kristen discuss the complexities of Roth conversions and help you understand whether it's the right choice for your unique financial situation. 
 
➡️ The Allure of Tax-Free Retirement Income: Roth IRA conversions have gained popularity due to the promise of tax-free income during retirement. The concept is enticing: you pay taxes upfront when you convert your traditional retirement accounts, and then your withdrawals in retirement are entirely tax-free. Who wouldn't want that? However, the decision to convert isn't one-size-fits-all, and there are crucial factors to consider. 
➡️ Understanding Roth Conversions: Roth conversions involve transferring money from a pre-tax retirement account to a Roth IRA. While this may sound straightforward, it's essential to grasp the tax implications. When you convert, the amount transferred is treated as ordinary income, subject to your current income tax rate. Therefore, your tax bracket plays a pivotal role in the decision-making process. 
➡️ Tax Bracket Considerations: Your tax bracket impacts the cost of conversion. If you're already in a high-income tax bracket, converting may mean paying a significant amount in taxes upfront, potentially diminishing the benefits of a Roth IRA. Conversely, if you're in a lower tax bracket, a conversion could be more tax-efficient. 
➡️ Timing Matters: Timing is crucial when considering a Roth conversion. It might make more sense to convert when you expect to be in a lower tax bracket, such as after retirement or during years with reduced income. Assess your future income projections to determine the most tax-advantageous time for conversion. Is a Roth IRA conversion right for you? The answer depends on your individual circumstances. It's crucial to gather information, assess your financial goals, and consult with experts who can help you make an informed decision. Reach out to professionals who can guide you on this journey and ensure that your retirement strategy aligns with your unique needs and aspirations. 
 
===================== 
🔔Subscribe to our podcast on your preferred platform to learn more about all things portfolio management.<a href="https://www.youtube.com/channel/UCBNgaszPfFovDaMUL4iWXkQ">   </a>
 
📺 Watch our weekly YouTube show <a href="https://www.youtube.com/channel/UCBNgaszPfFovDaMUL4iWXkQ"> / @guardingyournestegg</a>
🧑‍💻 For a free financial plan or to talk to an advisor, <a href="https://www.guardingyournestegg.com/meet">Click here</a>.
👥 Connect with us on Facebook<a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbmo2SVp1dm8yV1pFdjRyVXdYSzhlVWMtVlBnZ3xBQ3Jtc0ttN0RFVnhCMFVST3o2YUpTUWtZUkd2dGZSa0hLbTNqWEpqZXFLWEZTZ0dCR0hYLVlmTE9tX0tyX3loYS05SDBXU1ZqMzdtR0c1ZnlEaWx0SDBXSWdDT2l2Y1hQTndyTkt5MGVLLTYta1Y5N0x1S2dCSQ&amp;q=https%3A%2F%2Fwww.facebook.com%2Ftalonwealth%2F&amp;v=S5a1M2o3oK0"> https://www.facebook.com/talonwealth/</a>

Why a Roth Conversion Is NOT For Everyone

Did you know that writing out your goals makes you 42% more likely to achieve them? 🤔

This week Mike explains the significance a written financial plan can have on your future. Whether a physical document or digital, a written plan helps you analyze thoughts, set clear goals, and outline solutions for the most secure retirement possible.







===================== 

🔔Subscribe to our podcast on your preferred platform to learn more about all things portfolio management.

📺 Watch our weekly YouTube show  / @guardingyournestegg

🧑‍💻 For a free financial plan or to talk to an advisor, Click here.

👥 Connect with us on Facebook https://www.facebook.com/talonwealth/

Did you know that writing out your goals makes you 42% more likely to achieve them? 🤔
This week Mike explains the significance a written financial plan can have on your future. Whether a physical document or digital, a written plan helps you analyze thoughts, set clear goals, and outline solutions for the most secure retirement possible.
 
 
 
===================== 
🔔Subscribe to our podcast on your preferred platform to learn more about all things portfolio management.
📺 Watch our weekly YouTube show <a href="https://www.youtube.com/channel/UCBNgaszPfFovDaMUL4iWXkQ"> / @guardingyournestegg</a>
🧑‍💻 For a free financial plan or to talk to an advisor, <a href="https://www.guardingyournestegg.com/meet">Click here</a>.
👥 Connect with us on Facebook<a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqbmo2SVp1dm8yV1pFdjRyVXdYSzhlVWMtVlBnZ3xBQ3Jtc0ttN0RFVnhCMFVST3o2YUpTUWtZUkd2dGZSa0hLbTNqWEpqZXFLWEZTZ0dCR0hYLVlmTE9tX0tyX3loYS05SDBXU1ZqMzdtR0c1ZnlEaWx0SDBXSWdDT2l2Y1hQTndyTkt5MGVLLTYta1Y5N0x1S2dCSQ&amp;q=https%3A%2F%2Fwww.facebook.com%2Ftalonwealth%2F&amp;v=S5a1M2o3oK0"> https://www.facebook.com/talonwealth/</a>

BETTER (Not Scarier) Alternatives to Annuities

Guarding Your Nest Egg

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