Financial Choices Matter

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...

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...

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 Gam...

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...

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 T...

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 Ab...

We are back after taking a short break for the summer. We catch up with what Charles has been up to all summer. We will also break inflation down with some simple examples. Contact: Phone Number: 480-513-1830 Website: https://pelletoncapital.com/ Show Notes:  0:42 - Summer Break 2:55 - Definition Of Inflation 5:47 - Is It Temporary? 8:29 - Dealing WIth Inflation During Retirement 11:11 - Adding Tw...

Sometimes the easiest way to learn about something is make it really simple. Like some of the first true/false tests you might have taken in school, let’s play a round of fact or fiction to test your financial planning acuity. Contact: Phone Number: 480-513-1830 Website: https://pelletoncapital.com/ Show Notes:  1:21 - How Would Charles Would Advise Warren Buffett 4:53 - Your Social Security Is Ta...

By ignoring the simplest fixes in your financial plan, you could be setting yourself up for a potential disaster. Don't wait until it's too late to make these changes. Contact: Phone Number: 480-513-1830 Website: https://pelletoncapital.com/ Show Notes:  1:16 - Charles Shares His Picks For March Madness On The Men’s And Women’s Sides 3:04 - The Risk Of Having Out Of Date Legal Documents 5:06 - Not...

Let’s step into the classroom again to cover some financial buzzwords. Are these important to know? What are they? How do they impact you? We’ll answer those questions and more as we always look to educate you a little bit on the show. Contact: Phone Number: 480-513-1830 Website: https://pelletoncapital.com/ Show Notes:  1:16 - Getting To Know: Favorite Restaurant? 3:07 - Main Topic: The Financial...

We often see people making certain assumptions about retirement that just aren’t correct. Let’s explore some of those on today's show. Contact: Phone Number: 480-513-1830 Website: https://pelletoncapital.com/ Show Notes:  1:07 - Headline: General Motors Selling Only Electric Vehicles By 2035 4:42 - Main Topic: Never Make Assumptions 5:16 - I’ll Spend Less In Retirement 8:08 - My Taxes Will Be Lowe...

We run through the laundry list of top concerns that many retirees and pre retirees have. Charles discusses how he address them and what is the underlying theme that is causing those concerns. Contact: Phone Number: 480-513-1830 Website: https://pelletoncapital.com/ Show Notes:  2:04 - Main Topic: Client Concerns 2:17 - What Are Some Top Concerns? 4:01 - Dog Analogy 8:00 - Wall Street Has Set Low...

What’s the most interesting thing in the investment world? We talk about the concept of innovation causing disruption in various industries, what that means and why it might be something worth paying attention to. Contact: Phone Number: 480-513-1830 Website: https://pelletoncapital.com/ Show Notes:  1:46 - Main Topic: Innovation Causing Disruption 3:22 - Ecommerce 5:53 - Interesting Statistics 11:...

Have you ever stopped to think about your journey of learning all that you have about money and finances? Did you parents shape your financial views most heavily? Is there a TV or radio expert that has influenced you most? Or have you learned everything from a book or Google? Contact: Phone Number: 480-513-1830 Website: https://pelletoncapital.com/ Show Notes:  2:13 - Main Topic: Retirement Statis...

Have you ever stopped to think about your journey of learning all that you have about money and finances? Did you parents shape your financial views most heavily? Is there a TV or radio expert that has influenced you most? Or have you learned everything from a book or Google? Contact: Phone Number: 480-513-1830 Website: https://pelletoncapital.com/ Show Notes:  2:01 - Main Topic: Where All My Fina...

There are many more risks to guard against in retirement planning than most people realize. Let’s explore some of the planning risks we all face and how to prepare for them. Contact: Phone Number: 480-513-1830 Website: https://pelletoncapital.com/ Show Notes:  1:38 - Main Topic: The Different Types Of Risk 2:17 - Market Risk 3:29 - Inflation Risk 5:01 - Tax Rate Risk 5:44 - Longevity Risk 10:04 -...

Let’s explore some of the things you should be thinking about and checking on as we wrap up 2020 and begin 2021. Contact: Phone Number: 480-513-1830 Website: https://pelletoncapital.com/ Show Notes:  2:40 - Main Topic: End Of Year Planning 2:55 - Should We Be Maxing Out Our Retirement Contributions? 3:48 - Reviewing The CARES Act 5:04 - Tax-Loss Harvesting 5:33 - Evaluating Tax-Deductible Charitab...

Want to grade your preparedness for retirement? Here are five key questions you need to ask yourself. Your answers will help determine how ready you are for retirement. Contact: Phone Number: 480-513-1830 Website: https://pelletoncapital.com/ Show Notes:  1:29 - Main Topic: Retirement Preparedness Quiz 1:58 - Do You Know How Much You Have? 3:46 - Do You Know How Much You Spend? 6:05 - Do You Know...

If you look up quotes about diversification from famous investors, you might come across one from renowned investor Warren Buffet that will certainly raise your eyebrows. It goes, “Diversification is protection against ignorance. It makes little sense if you know what you are doing.” Yet, we’ve always heard about diversification being one of the keys to success for retirement planning. How can the...

This episode is all about addressing the most frequently asked questions about 401(k)s. Contact: Phone Number: 480-513-1830 Website: https://pelletoncapital.com/ Show Notes:  1:30 - Main Topic: 401(K) FAQs 1:49 - Taking A 401(K) Loan 4:13 - Roth Option 6:15 - Finding The Right Advisor 10:52 - Mailbag: Sally Asks If She Is Eligible For Half Of Her Ex-Husband’s Social Security Benefit

People often overlook the estate planning side of preparing for retirement. There are a lot of misunderstandings about trusts and wills and the roles they play in the equation. On this episode, we’ll explore some of the critical questions you should ask about these strategies as you prepare for retirement. Contact: Phone Number: 480-513-1830 Website: https://pelletoncapital.com/ Show Notes:  1:29...

Vanguard’s “How America Saves 2020” report is packed with lots of intriguing stats and findings about Americans and how they save for retirement in the crazy year that is 2020 (most of the recent data is technically from 2019 although some figures are current through the Spring of 2020). Let’s look at some of the top takeaways from the study and how you might compare to the “normal” savings behavi...

We get a lot of questions about how the house (or houses) fit into retirement plans. From downsizing to rental properties to interest rates, let’s explore some of the top retirement questions as it relates to all things housing. Show Notes:  2:03 - Main Topic: This One’s On The House 2:25 - Pay Off The House, Or Enjoy The Low Interest Rates? 3:30 - Is It Wise To Downsize? 5:14 - Is A Rental Proper...

Living a long time isn’t supposed to be a bad thing and it almost seems counterintuitive to categorize it as a risk. But it is. Let’s take a look at how longevity plays a role in a financial plan and have an honest conversation about how deal with the “problem” of living too long. Show Notes:  1:12 - Main Topic - Longevity Risk 2:25 - How Old Is Your Oldest Client? 2:39 - Oldest Person In Your Fam...

Many financial issues impact us all the same. But, of course, other challenges have varying impacts from person to person because our situations are all unique. Let’s take a look at some of the financial and retirement challenges that are unique to women. We also discuss some rules of thumb and get Charles' take on them. Show Notes:  2:00 - Main Topic - Financial Issues That Are Challenging For Wo...