A Wiser Retirement®

Pensions can provide a valuable source of retirement income , but deciding whether to stick with a job solely for the pension is more complex than it may seem. In this episode of A Wiser Retirement® Podcast , we give a breakdown of the key benefits and trade-offs of relying on a pension, and how to assess whether it's the right move for your financial future. Related Podcast Episodes: - Ep 13...

In this episode of A Wiser Retirement® Podcast , we discuss how the Free Application for Federal Student Aid (FAFSA) is crucial in determining eligibility for financial aid, including grants, loans, and work-study opportunities. Whether or not your family qualifies for aid, understanding the FAFSA’s purpose and process is essential for anyone  navigating college costs . Related Podcast Episodes: -...

In this episode of A Wiser Retirement® Podcast , we talk about financial concepts that most people aren't taught in school but are essential for everyday life. From how taxes work to whether buying a home is always the better choice. We tackle common misconceptions that can lead to costly mistakes, and offer practical advice to help you make smarter financial decisions. Related Podcast Episod...

Join us for this episode of A Wiser Retirement® Podcast as we dive into how to evaluate cryptocurrency as a potential investment and whether it deserves a place in your portfolio. We’ll also unpack the latest crypto news, from major acquisitions to pending legislation, and discuss how these developments could impact the future of digital assets. Related Podcast Episodes: - Ep 281: Crypto Update: T...

Emotional investing is one of the biggest barriers to long-term financial success. With constant news cycles and market noise, it’s easy to make decisions based on fear, recent events, or overconfidence. In this episode of A Wiser Retirement® Podcast , we explore how the right framework, discipline, and guidance can help you stay focused and invest with confidence. Related Podcast Episodes: - Ep 2...

In this episode of A Wiser Retirement® Podcast , we discuss how emotions like fear, greed, and regret can influence investment decisions and lead to costly mistakes. We explore common behavioral biases such as overconfidence, loss aversion, anchoring, and confirmation bias that often derail long-term financial plans. We emphasize the importance of staying disciplined, thinking long-term, and avoid...

Receiving a large money windfall from an inheritance, business sale, IPO, or legal settlement can be life-changing, but it can also lead to costly mistakes if not handled wisely. Here’s how to take a thoughtful, strategic approach to ensure your newfound wealth supports long-term financial well-being. Related Podcast Episodes: - Ep 227: I’ve inherited $200k, what should I do? - Ep 278: Avoid These...

Join us for this episode of A Wiser Retirement® Podcast as we explore private credit, a unique investment option offering potentially higher yields by lending to non-public companies. While it can generate attractive returns, it comes with risks such as illiquidity, higher fees, and limited transparency, making it best suited for high-net-worth individuals with significant liquid assets. Tune in t...

Join us for this episode of A Wiser Retirement® Podcast as we dive into the rapidly changing world of cryptocurrency. From Bitcoin’s price swings to regulatory breakthroughs and Ripple’s legal victory, major developments are reshaping the market. Tune in to learn how these shifts could unlock both new opportunities and risks in today’s digital asset landscape. Related Podcast Episodes: - Ep 277: T...

Divorce can bring significant financial changes, but many overlook how Social Security benefits fit into their post-divorce financial strategy. In this episode of A Wiser Retirement® Podcast , we discuss several misconceptions about claiming these benefits. Understanding the rules can make a substantial difference in long-term financial stability.  Related Podcast Episodes: - Ep 160: How Finances...

Planning for the future of a child with disabilities is a complex and emotional journey, but taking proactive steps can help ensure a stable and fulfilling transition into adulthood. Families often face significant challenges when essential services suddenly end, making it crucial to have a well-structured plan in place. In this episode of A Wiser Retirement® Podcast , Casey Smith and Meaghan Timk...

Receiving a large inheritance can be both a blessing and a challenge. While it offers the opportunity to improve your financial future, it also comes with important decisions that can impact your long-term stability. Without a clear plan, it's easy to make costly mistakes. In this episode of A Wiser Retirement® Podcast , we discuss key considerations to help you make the most of your inherita...

Tariffs, fiscal policy, and market volatility have become growing concerns for many investors. In this episode of A Wiser Retirement® Podcast , we unpack what tariffs are, how they work, and how current market conditions may affect your investment portfolio. Related Podcast Episodes: - Ep 263: Trump’s Economic Policies: Tax, Tariffs, and More - Ep 268: Top Financial Mistakes and How to Avoid Them...

Join us on this episode of A Wiser Retirement® Podcast , where we break down the essential steps to help you prepare for a secure and fulfilling retirement. From creating a realistic budget and eliminating debt to maximizing Social Security and Medicare benefits, we cover key financial strategies to set you up for success.  Related Podcast Episodes: - Ep 245: Strategies for Early Retirement and Lo...

Join us for this episode of A Wiser Retirement® Podcast as we explore the U.S. government's growing Bitcoin holdings and the potential creation of an official Bitcoin reserve, a proposal now under legislative review. We also dive into the latest developments in crypto regulation, Sam Bankman-Fried’s unauthorized interview with Tucker Carlson, Binance’s legal challenges, and NASDAQ’s bold plan...

Join us on this episode of A Wiser Retirement® Podcast , as Casey Smith and Paul Montaperto from Family2Family Relocation discuss tips for families looking to buy a home in a great school district. We explore how to evaluate school quality beyond online ratings, considering factors like administrative stability, private school options, and future zoning changes. Paul also gives practical tips to h...

Are you a pilot contemplating the possibility of retiring early? Join us on this episode of A Wiser Retirement® Podcast , where we explore the complexities surrounding the decision to leave the cockpit before the traditional retirement age. We dive deep into the unique emotional and financial considerations that come with this choice, focusing on the benefits and potential pitfalls of retiring aro...

Join us on this episode of A Wiser Retirement® Podcast , where we explore why paying a financial advisor to invest in ETFs may be worth the cost, even when providers like Vanguard offer these funds with low fees. Many investors wonder if they can simply do it themselves, but the real value of working with an advisor goes far beyond just selecting investments. Related Podcast Episodes: - Ep 213: Ho...

What steps should you take in your 20s and 30s to build sustainable wealth? In this episode of A Wiser Retirement® Podcast, we break down the key financial habits that can pave the way for lifelong security. Young adults today face unique financial hurdles such as rising living costs, student loan debt, and credit cards. Tune in as we share practical strategies to overcome these challenges and set...

Join us for this episode of A Wiser Retirement® Podcast , where we explore the latest changes shaping the cryptocurrency market. From the resurgence of meme coins to high-profile hacks and evolving tax regulations, we cover key trends that are influencing how investors, regulators, and global markets interact with digital assets in 2025. Related Podcast Episodes: - Ep 266: Crypto Update: SpaceX Us...

Managing college expenses can be overwhelming, but understanding available tax benefits can help parents reduce costs. Join us on this episode of A Wiser Retirement® Podcast as we discuss how these tax benefits work and what families need to know about deductions, tax forms, and financial planning for college. Related Podcast Episodes: - Ep 168: Everything You Need to Know About 529 Plans - Ep 136...

Are you curious about the top financial mistakes people make, and how to avoid them? Tune in to this episode of A Wiser Retirement® Podcast as Grace Kennedy, Financial Planning Associate, shares insights on the most common financial pitfalls and how to steer clear of them. Related Podcast Episodes: - Ep 229: How do I avoid capital gains tax? Related YouTube Videos: -  Common Mistakes to Avoid with...

Curious about where mortgage rates and home prices are headed in 2025? Tune in to this episode of A Wiser Retirement® Podcast as Tom Townsend, Realtor at Townsend Realty Group , recaps the 2024 housing market and shares predictions and trends for 2025. We also discuss the state of the local market, inventory shortages, the cost of new construction, and tips for anyone planning to buy or sell a hom...

Join us for this episode of A Wiser Retirement® Podcast as we dive into the latest developments in the cryptocurrency market. We explore new regulatory efforts, Bitcoin’s recent price swings, and the launch of a crypto task force aimed at bringing more clarity to the industry. Plus, we discuss the rise of President Trump’s meme coin, the growing interest in altcoin ETFs, and his executive order on...

Curious about the difference between a Roth 401(k) and a Roth IRA? Join us on this episode of A Wiser Retirement® Podcast as we discuss key aspects of retirement planning, the importance of setting clear financial goals, and the distinctions between a Roth 401(k) and a Roth IRA. Discover valuable insights on maximizing your savings, navigating contribution limits, and making the most of employer m...