Financial Choices Matter

Getting It Right: Irreversible Financial Decisions

There are plenty of decisions that you’ll make in the retirement planning process that can’t be undone, so you want to make sure that you make the right call. On this episode, we’ll explain why these decisions are so important and can’t be undone.
Contact:
Phone Number: 480-513-1830
Website: https://pelletoncapital.com/
Show Notes: 
0:35 - Main Topic: Irreversible Financial Decisions
1:29 - Social Security
4:30 - Spousal Benefits For A Pension
6:01 - Getting Life Insurance
8:59 - Choosing A Retirement Date
10:57 - Mailbag: Grace Asks About Keeping Finances Separate In A Marriage
14:06 - Upcoming Webinar

Planning For Retirement’s Uncertainties

There are many things that we know we’ll have to deal with in retirement, we just don’t know how to predict when or to what degree. How do you construct a plan that deals with the unpredictability of these different factors?
Contact:
Phone Number: 480-513-1830
Website: https://pelletoncapital.com/
Show Notes: 
0:50 - Webinar
2:21 - Main Topic: Planning For Retirement’s Uncertainties
2:47 - Be Flexible
4:14 - Longevity
5:32 - Interest Rates Going Up
7:18 - Future Tax Rates
10:52 - How Do We Plan For These Items?
12:26 - Social Security
15:37 - Stock Market Returns
17:30 - Inflation
22:27 - Mailbag: Jim Asks About Where He Can Save Money For Retirement

Going Against The Grain

Being a good advisor isn’t about winning a popularity contest or just saying the same things that everyone else in the industry says. It’s about giving the best advice that you can for each individual situation. On today’s show, we’re going to peel back the curtain to discuss some areas where a good financial advisor’s opinions might go against the grain with mainstream ideas in the industry.
Contact:
Phone Number: 480-513-1830
Website: https://pelletoncapital.com/
Show Notes: 
0:43 - Webinar
2:08 - Main Topic: Against The Grain
4:11 - Appropriate Amount Of Risk
6:00 - Appropriate Use Of Life Insurance
8:09 - How To Handle Debt
9:27 - Paying Off The House
11:11 - Annuities
12:25 - Mutual Funds
14:13 - How Much Cash Should You Have?
16:17 - Mailbag: Carrie Asks If It’s Okay To Use Commissions For Her Retirement Savings

Financial Planning Considerations When You’re In Between Jobs

Finding yourself between jobs can be frustrating—whether you were fired, laid off, or just had to step away of your own choosing. But it can also present some opportunities. Let’s discuss some of the challenges and opportunities that you need to consider if you’re between jobs.
Contact:
Phone Number: 480-513-1830
Website: https://pelletoncapital.com/
Show Notes: 
0:33 - Main Topic: Financial Planning Considerations When You’re In Between Jobs
3:00 - Career Change
4:07 - Self Employment
6:37 - Health Insurance
9:00 - Rolling Over Your 401(k)
10:34 - Severance Package
14:04 - Taxes
16:48 - Mailbag: Rita Asks If She Needs A Financial Advisor

Tough Topic: Retirement & Divorce

Going through a divorce at any age is difficult, but doing it near or in retirement adds all sorts of additional complications. On this episode, we’ll talk about some of the financial mistakes we see people make in the midst of a divorce.
Contact:
Phone Number: 480-513-1830
Website: https://pelletoncapital.com/
Show Notes: 
1:41 - Being a certified divorce planner
2:37 - Choosing the house as a safety blanket
5:37 - The tax implications of retirement funds
7:28 - Qualified domestic relations order 
11:11 - Going to a single tax status 
13:56 - Mailbag: Should I load up on stocks?
18:48 - Join us at future webinars!

Why Retirement Planning Ain’t What It Used To Be

In some ways, retirement planning was easier for past generations. Let’s explore how a good financial advisor helps people overcome the additional challenges of today. Our parents and grandparents may not have had to face these things, so just relying on the experiences of family members might not be enough to help us achieve our own financial success.
Contact:
Phone Number: 480-513-1830
Website: https://pelletoncapital.com/
Show Notes: 
1:07 - Main Topic: Retirement Planning Ain’t What It Used To Be
2:00 - Pensions
5:30 - Living Longer
8:54 - Interest Rates
11:49 - Too Much Information
14:45 - Mailbag: Marty Asks When He Should Get Back Into The Market
18:49 - Upcoming Workshops

Do You Concur? Picking Sides In Important Financial Debates

On this episode, we’ll try to pick sides of some important financial debates. From bonds to life insurance, credit card debt to starting Social Security, we’ll propose several different topics to see which sides of the debates you and your advisor should probably fall on.
Contact:
Phone Number: 480-513-1830
Website: https://pelletoncapital.com/
Show Notes: 
1:09 - Main Topic: Important Financial Decisions
1:46 - Paying Off The House
6:01 - Life Insurance
8:19 - Deferring Taxes
11:11 - Credit Cards
13:18 - Start Social Security As Soon As Possible
15:56 - Mailbag: Buddy Asks How To Fill Medicare Time Gap
17:49 - Upcoming Workshops

The Potential Forgiveness Of Student Loans Being Proposed

Student loan forgiveness is a hot topic of discussion right now. Many people fear the cost of something like this and the lessons it will teach the younger generation, while others argue the cost of higher education is exorbitant and we need to extend help for those who have a lot of debt. There are both pros and cons to each side that we will be discussing on today's show.
Contact:
Phone Number: 480-513-1830
Website: https://pelletoncapital.com/
Show Notes: 
2:00 - Main Topic: Potential Student Loan Forgiveness
3;19 - Lessons Learned
7:37 - Boost In GDP
9:12 - Getting A Plan
11:11 - Knee Jerk Reactions
13:48 - Mailbag: Janice Asks About Finding The Right Advisor
17:36 - Workshops & Webinars

The New Assessment Of The Costs Of Healthcare In Retirement

Healthcare can be one of the biggest expenses in retirement and it keeps steadily increasing. We will look at some statistics and numbers as it relates to paying for healthcare and how to plan for these costs.
Contact:
Phone Number: 480-513-1830
Website: https://pelletoncapital.com/
Show Notes: 
2:23 - Main Topic: The Rise Of Healthcare Costs
4:17 - Medicare Premiums
6:10 - Early Retirement
8:06 - Social Security Percentage
9:04 - How To Combat Rising Costs
13:05 - Mailbag: Ross Asks About Tax Implications When Selling An Inherited House

Life Insurance & Retirement Statistics

Sure, life insurance is one of the more boring topics to cover on a podcast. And a lot of what you hear is going to warn you why you should NOT get various types of life insurance. But our goal on this episode is to focus on the positive and analyze the reasons why you should get life insurance, or at least consider it. Many people think that once the kids are out of the house, you don’t need insurance anymore. But there are some other reasons why life insurance can be a useful part of your retirement plan.
Contact:
Phone Number: 480-513-1830
Website: https://pelletoncapital.com/
Show Notes: 
1:32 - Main Topic: Why You Should Consider Life Insurance
2:54 - Income Replacement
4:37 - Tax-Free Income
8:40 - Long Term Care Coverage
10:05 - Second Topic: American Retirement Statistics
10:52 - Retirement Age & Income
11:57 - Life Expectancy
14:12 Long Term Care
18:23 - Mailbag: Catherine Asks For Advice On Investing A Lump Sum Of Money