Common Sense Investing with Victor McClure

Today’s federal income tax rates might be the lowest you’ll see for the rest of your life, after tax rates went down with the 2017 Tax Cuts and Jobs Act. But those tax rates expire come 2026, and there are proposals to increase taxes working their way through Congress as we speak. So at this point, it’s not a matter of if but when taxes will go up. For more information about Victor McClure, Steve...

Who is most likely to be comfortable and confident with their retirement? There are a few things you can do to help secure your financial future and Victor & Guy will help us break it all down. For more information about Victor McClure, Steve Ringo and the McClure Capital team, visit https://mcclurecapital.com/

Medicare looks and feels confusing to us all. And it’s no wonder when you think about all the terms you’ve heard about it. Supplements. MediGap. Part B. Plan D. And on and on. Medicare is a maze that we all have to figure out how to navigate at some point. Victor and Guy tell us how they help their clients handle Medicare decisions. For more information about Victor McClure, Steve Ringo and the Mc...

We receive a lot of questions from listeners either by phone, mail or email and today we're opening up that mailbag of questions and Victor is answering your questions on today's show. For more information about Victor McClure, Steve Ringo and the McClure Capital team, visit https://mcclurecapital.com/

For years, annuities have gotten a bum rap. Too expensive. Too many strings attached. Your money is locked up forever. You’ve heard all the “cons” of annuities for years. But with private company pensions dying out, the tide is starting to turn with younger baby boomers and even Gen Xers showing more interest in annuities as part of a retirement strategy. For more information about Victor McClure,...

It’s probably no surprise that what’s right for your money now, probably won’t be the case in ten or 20 years. There are five main stages to your financial life, and the third stage is an important one: your pre-retirement years. For more information about Victor McClure, Steve Ringo and the McClure Capital team, visit https://mcclurecapital.com/

MarketWatch says nobody suffers more from high inflation than retirees. Back in the ’70s, retirees living on a fixed income were hit the hardest as prices continued to skyrocket. Every year, they got poorer as costs went up. And right now, inflation is 5.4 percent … a 13-year high. So, with pricing going up on everything from the homes we buy to the food we put on our tables, it’s so important to...

How much should you save for retirement? Where should you save it? And how can you make sure it will last after you leave your job for good? Saving is a good start … a really good start to getting ready for this next chapter in your life. But you need to do more than just save, you need an income strategy after you stop earning a regular paycheck. For more information about Victor McClure, Steve R...

So many people are worried about not saving enough for retirement, but what about saving too much for retirement? Can there even be such a thing? It’s a big challenge to figure out how much you need to save for retirement. You don’t want to under-save and come up short. But you also don’t want to save so much and spend so little that you never really enjoy your retirement years. Victor and Guy tal...

Victor and Guy stumbled upon a Kiplinger report about the Five Pillars that can lead to a successful retirement.  Victor and Guy break down each pillar for us. For more information about Victor McClure, Steve Ringo and the McClure Capital team, visit https://mcclurecapital.com/

For many of you, retirement means the freedom to do what you want to do when you want to do it for as long as you can. Independence from the daily grind. As we celebrate our nation’s Independence Day this weekend, we’ll talk about how you can achieve – and celebrate – your own financial independence in retirement. For more information about Victor McClure, Steve Ringo and the McClure Capital team,...

In the mid-70s, the start of individual retirement accounts and 401(k) plans spurred a drive in American workers to pile money away for retirement. But more than 40 years later, more of us are realizing there could be a better way to think about your money for retirement. People get caught up in how much they’ve saved. But what you really need to think about is how much you may need to spend in re...

You visit your doctor every year for your annual check-up to stay healthy and to be aware of any potential issues when it comes to your health. Why should your financial health be any different? That only multiplies in importance once you get in retirement, because you’re no longer earning a paycheck. This show examines what you need to be aware of to be cognizant of your financial health in pre-r...

How much does age really matter? Phil Mickelson proved at the 2021 PGA Championship that what matters even more than your age is what you believe you can do. And the fact is, more of us are living longer, leading more active lives in retirement. So, we need to get serious about planning for longevity. For more information about Victor McClure, Steve Ringo and the McClure Capital team, visit https:...

There’s no question that inflation is a huge concern for Americans … especially those who are living on a fixed income in retirement. Could there be an even bigger threat to the economy? Some experts think so. And no matter where the economy is when you’re retired, at the end of the day there’s no retirement without income. Today we’re here to help you learn how to create an income strategy to hel...

A colleague of ours recently sat down with author, CEO and Fox Business Network host, Charles Payne.  Charles is the founder and principal analyst at Wall Street Strategies.  He's the host of "Making Money with Charles Payne" and is the author of "Unstoppable Prosperity.  For more information about Victor McClure, Steve Ringo and the McClure Capital team, visit https://mcclurecapital.com/

The spending plans being proposed by President Biden involve trillions of dollars to pay for infrastructure and other efforts, and he is eyeing higher taxes in the future. We’re told the Biden tax increases are expected to target the wealthy, but we have some insights from a financial analyst who says the impact could likely go beyond the pockets of the ultra-wealthy. Taxes are our main topic agai...

Some people think they have it all figured out heading into retirement, but you might be surprised! For more information about Victor McClure, Steve Ringo and the McClure Capital team, visit https://mcclurecapital.com/

As we’ve been discussing for the last several weeks, the economy appears to be ramping up – manufacturing has increased, unemployment has started to improve, and consumer confidence is trending upward. But while everything seems to be going well right now, you can’t help but fear those retirement unknowns lurking around the corner. Could we encounter high inflation like retirees did in the ’70s? H...

The Department of Labor reported this last week that the consumer price index rose 0.6 percent in March from the previous month and is up 2.6 percent from a year ago. You’ve probably noticed this most at the gas pumps. The good news is that the Federal Reserve expects this to be a temporary increase. Temporary or not, Victor and Guy tell us how we should plan for the reality that everything could...

You know that sense of accomplishment after you’ve finished the cleaning out the attic, or after you’ve finally reorganized the garage? Or how do you feel after you finish that big project in the back yard? It’s a great feeling when you get through your spring-cleaning checklist … and your finances deserve the same attention as your home. For more information about Victor McClure, Steve Ringo and...

Victor and Guy share some common but costly income mistakes that people often make once they reach retirement and how you can avoid them. For more information about Victor McClure, Steve Ringo and the McClure Capital team, visit https://mcclurecapital.com/

How much more could we have to spend on the road to economic recovery?  Federal Reserve Chairman Jerome Powell and Treasury Secretary Janet Yellen say … we’ve spent a lot, but we need to spend a LOT more. We’ll hear from them in a few minutes. Plus, Fox Business News says the national debt is on track to pass $30 TRILLION by the end of the year. The Biden administration has big spending plans that...

Over an eight-year period, the British cycling team won 16 gold medals and seven Tour de France wins. And credited for their success, the team used the theory of marginal gains. The theory goes that if you make a one percent improvement in a host of tiny areas, the cumulative benefits would be extraordinary. So, let’s talk about how this theory could apply to our money. What are some areas in reti...

A phone call or website can seem so impersonal. Or worse, it could be a financial scam. At least, those are possible thoughts one may have before they visit someone to handle their finances in retirement. It can be a scary thought to go out there and do something new. So, to help provide more confidence to face the unknown, this show will focus on what the process is like for a potential new clien...