Will You Run Out of Money if You Retire Early? Consider These 3 Options

Recent studies show that if you retire before 65, there’s a 45% chance of running out of money, largely due to the decline of employer pensions. Mike Canet addresses different income streams and what their potential benefits and pitfalls are, such as annuities, dividends, and preferred stocks. He a…

What is the Santa Claus Rally? How to Navigate the Holiday Market Hype

Ryan Herbert explains the concept of the Santa Claus rally, a phenomenon where stock markets typically see a rise during the end-of-year holiday season. However, he cautions against getting too excited about these short-term gains, especially for those managing significant investments. Ryan discus…

Unlocking Tax-Free Wealth: The Power of Life Insurance

Imagine growing your wealth tax-free and leaving a legacy for your loved ones. In this episode, Mike Canet delves into the benefits of using life insurance policies as a tax-efficient investment tool, contrasting it with traditional 401(k) plans. By investing in life insurance, you can potentially …

The 4% Rule: Myth or Reality for Your Retirement?

Ever wondered if the 4% rule is truly a reliable strategy for your retirement? In this episode, Mike & Ryan delve into the intricacies of this popular financial guideline and explore its real-world implications. Discover why sticking strictly to the 4% rule could lead to unexpected financial pitfal…

The Yacht Rock Legacy: Doing What You Love in Retirement

Are you ready to dive into the golden era of soft rock? In this episode, Mike and Ryan explore the enduring legacy of Yacht Rock, featuring timeless artists like Michael McDonald and the Doobie Brothers. Journey through anecdotes from backstage interviews and memorable concerts, as these musical le…

What Federal Employees Need To Know Before Retiring

Are federal employees working longer than they need to? Are they working for “free” and not realizing it? Katherine Groce and Sam Nash discuss the benefits federal workers need to understand when they are saving and planning for retirement. They also share a story regarding a husband that unknowing…

Take Advantage of Roth Conversions While You Can

Ryan discusses the current low tax rates due to the Trump tax cuts and the impending expiration of these rates. He emphasizes the importance of considering Roth conversions as a strategy to mitigate future tax liabilities. The discussion also highlights the necessity of having a tax plan in place f…

What The Wealthy Do Differently About Taxes

Mike delves into the recent surge in Roth conversions, exploring the reasons behind this trend and the importance of tailored tax strategies. He emphasizes the need for effective tax planning, highlighting that it is not a one-time event but an ongoing process. The discussion also touches on the si…

Being Prepared When Meeting a Financial Advisor

Ryan provides insights into preparing for a first appointment, the importance of understanding the financial planning process, and the mindset needed for retirement planning. He also shares the significance of having a plan for life when entering retirement. Want to begin building your retirement …

How to Manage Risk in Today’s Economy

Mike discusses the implications of more interest rate cuts by the Fed, the impact of upcoming elections on economic stability, and strategies for investing amidst market volatility. He highlights the importance of understanding the broader economic landscape and making informed financial decisions,…