Financial Choices Matter
Welcome to the ”Financial Choices Matter” podcast, hosted by Charles C. Scott, AIF®, CDP®, the Founder and President of Pelleton Capital Management in Scottsdale, Arizona. With over three decades of experience in financial advisory, Charles is dedicated to helping families assemble their financial puzzles. This podcast brings you in-depth guidance on the Five Pillars of Comprehensive Financial Planning: Cash Flow, Risk Management, Tax, Investment, and Estate Planning. Each episode aims to be your ”box top,” providing the clear vision needed to achieve a financial future tailored to your unique goals. Join us as we explore how to prioritize, organize, and seamlessly fit each piece of your financial puzzle into a cohesive whole. Tune in for strategies to maximize assets, minimize taxes, and provide peace of mind for you and your family. Upholding the principles of being fiduciary, independent, and objective, ”Financial Choices Matter” is your trusted resource for practical and profound financial insights. Subscribe and journey with us toward a secure and well-planned future.
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Episodes
Thursday Feb 03, 2022
Thursday Feb 03, 2022
Some people feel that they’ll save money by handling their investments themselves instead of working with an advisor. Others may like the challenge of doing it themselves. Still others just don’t know who to trust so they end up not working with anyone. Let’s talk about some reasons that you might need an advisor.
Contact:
Phone Number: 480-513-1830
Website: https://pelletoncapital.com/
Show Notes:
1:37 - Main Topic: Who Even Needs A Financial Advisor?
2:15 - You’re A Procrastinator
4:31 - You Have No Idea What To Do
7:07 - You Want To Enjoy Retirement
9:33 - Mailbag: Vicky Asks If She Should Split Her Retirement Assets
13:03 - Charles Is Now A Certified Dementia Practitioner
Thursday Jan 20, 2022
Thursday Jan 20, 2022
At the beginning of every year, people love to make predictions and prognostications about what’s going to happen to the economy in the coming months. Let’s take a look at what the “experts” are saying about the economic outlook of 2022.
Contact:
Phone Number: 480-513-1830
Website: https://pelletoncapital.com/
Show Notes:
2:03 - In The News: San Francisco Suspended The City’s Cannabis Tax
4:53 - Main Topic: 2022 Predictions
5:16 - Inflation
7:32 - GDP Forecast
11:29 - Mailbag: Steve Asks If It’s Wise For His Mom To Sign Over Her House To Him
15:05 - Mailbag: Laura Asks About Early Retirement Considerations
Thursday Jan 06, 2022
Thursday Jan 06, 2022
Time for a little fun on this episode. We’ll use some fill in the blank prompts to spark good discussion about relationships between advisors and their clients, the stock market, common planning mistakes, and much more!
Contact:
Phone Number: 480-513-1830
Website: https://pelletoncapital.com/
Show Notes:
1:15 - Main Topic: Fill In The Blank
1:30 - The Best Way To Be Sure You Don’t Run Out Of Money?
2:49 - The Stock Market Has The Ability To?
4:36 - First Time Clients Are Mostly Worried About?
6:15 - Most Common Mistake?
8:28 - The Most Gratifying Part Of The Job?
11:09 - Mailbag: Cliff Asks How Much Company Stock Is Too Much
13:12 - Mailbag: Rebecca Asks How To Stay Motivated When Saving For Retirement
Tuesday Dec 21, 2021
Tuesday Dec 21, 2021
This is part 2 to our resolutions for 2022. See if you might be able to implement a couple of these to kick off the new year in good, financial health.
Contact:
Phone Number: 480-513-1830
Website: https://pelletoncapital.com/
Show Notes:
2:20 - Check Your Credit
4:00 - Check Your Fees
6:36 - Share Your Knowledge
8:49 - Donation Opportunities
10:52 - Review Your Tax Bracket
13:13 - Ask If A Roth Conversion Is Right For You
14:48 - Update Your Paycheck Withholdings
15:52 - Rebalance Your Portfolio
16:56 - Plan Your Transition To Retirement
19:02 - Consolidate Accounts
20:25 - Listen To More Episodes Of This Podcast
Thursday Dec 09, 2021
Thursday Dec 09, 2021
You might not be able to follow through on all 22 of these resolutions, but implement even just a few of these and you’ll be well on your way to a more prosperous financial life in the coming year. We will go over the first 11 resolutions on today's show.
Contact:
Phone Number: 480-513-1830
Website: https://pelletoncapital.com/
Show Notes:
0:34 - Main Topic: 22 Resolutions For 2022
2:24 - Reduce Your Debt
3:50 - Boost Your Retirement Savings
5:15 - Emergency Fund
6:18 - Don’t Overreact To Headlines
7:46 - Implement A Budget
9:08 - Meet With A Financial Professional
10:48 - Check Beneficiary Designations
12:24 - Have Tough Conversations
13:54 - Audit Your Insurance
15:19 - Refinancing Your Mortgage
16:44 - Get Organized
18:10 - What’s A Fiduciary?
Thursday Nov 18, 2021
Thursday Nov 18, 2021
Let’s look at the ways that some people try to cut corners in their retirement planning.
Contact:
Phone Number: 480-513-1830
Website: https://pelletoncapital.com/
Show Notes:
0:38 - Thanksgiving
2:54 - Main Topic: Quit Cutting Corners In Financial Planning
3:33 - Getting Legal Documents In Place
6:53 - Not Getting Organized
8:57 - Avoiding Long Term Care Discussion
13:21 - Mailbag: Elizabeth Asks If She Should Rollover Her Pension Fund
16:41 - Mailbag: Mary Asks If It's Wise To Start Budgeting
Thursday Nov 04, 2021
Thursday Nov 04, 2021
To successfully complete a jigsaw puzzle, there are some strategies that you’ll want to keep in mind. And many of those same strategies apply to retirement planning.
Contact:
Phone Number: 480-513-1830
Website: https://pelletoncapital.com/
Show Notes:
0:44 - Main Topic: Retirement Jigsaw Puzzle
2:05 - The Big Picture
3:47 - Building The Framework
5:08 - Sorting Out Your Priorities
8:30 - End Game
11:34 - Mailbag: Wade Asks About Early Retirement
16:46 - Mailbag: Vicki Asks About Working In Order To Receive The Maximum Social Security Benefit
Thursday Oct 21, 2021
Thursday Oct 21, 2021
Having a good financial plan can help you resist some of the financial temptations that the average person will face. Let’s talk about some of these common temptations that we often see people fall victim to.
Contact:
Phone Number: 480-513-1830
Website: https://pelletoncapital.com/
Show Notes:
1:15 - Big Purchases Before Retirement
5:21 - 401(k) Match
7:39 - Deferring Taxes
11:05 - Working Until You Die
13:14 - Relying On The Government
16:28 - Not Leaving The Kids Anything
19:22 - Roy Asks For Suggestions On How To Get His Spouse More Involved With Their Finances
Thursday Oct 07, 2021
Thursday Oct 07, 2021
Make sure you’re well-versed in these retirement income planning essentials before you head off into retirement.
Contact:
Phone Number: 480-513-1830
Website: https://pelletoncapital.com/
Show Notes:
2:47 - Planning To Retire For Decades, Not Just Years
5:35 - The Rule Of 72
6:36 - Safe Investments
8:43 - Inflation
13:23 - Being Able To Narrow Down Information
16:22 - Self-Motivated
18:33 - Time To Work On Plan
Thursday Sep 16, 2021
Thursday Sep 16, 2021
There’s an old quote that says, “Age is the price of wisdom.” Let’s talk about how that applies to the financial world.
Contact:
Phone Number: 480-513-1830
Website: https://pelletoncapital.com/
Essentialism: https://amzn.to/3DI8Af5
Digital Minimalism: https://amzn.to/3DyHCX2
Show Notes:
2:19 - Age, Wisdom, & Information
4:52 - Things We Wished We Had Known Sooner
6:39 - Do People Tend To Worry About Finances More, Or Less When Approaching Retirement?
8:50 - Leaving A Legacy
12:18 - Mailbag: Karen Asks If She Should Use A Robo Advisor
15:42 - Summer Reading