Last Paycheck

Archie and Rob  discuss the topic of certificates of deposit (CDs). A CD is a financial instrument offered by banks where you deposit money for a certain period of time and earn interest in return. They break down the mechanics of CDs, including how they used to be represented by physical certificates but now mostly appear as line items in online banking statements. They also highlight the importa...

Archie and Rob explore the topic of tax loss harvesting. They discuss its increasing popularity among financial advisors and individual investors, as well as the benefits it brings in terms of maximizing after-tax returns. Tax loss harvesting involves selling investments at a loss to offset taxable gains or income. Rob shares his experience of manually harvesting losses at the end of each year, bu...

Archie and Rob delve into the topic of Health Savings Accounts (HSAs) and the tax advantages they offer. As certified financial planners, they bring their expertise to explain how HSAs can provide significant tax savings and work as a powerful investment tool. Throughout the episode, they discuss the basics of HSAs, including how they function and who is eligible to open one. They also highlight t...

Rob and Archie dive into the topic of pensions. They begin by discussing the rarity of pension plans in today's workforce and highlight the importance of knowing if you have a pension, even if you've left the company that provided it.  They explain what a pension is - a defined benefit plan where the employer makes contributions to a portfolio of investments to provide a guaranteed income or a lum...

Rob and Archie dive into the topic of interest rates and their impact on various financial situations.  They discuss the recent increase in interest rates and how it is finally benefiting savers, particularly retirees who rely on CDs for interest income. They explore the historical context of interest rates, starting with the financial crisis of 2008 and the subsequent low interest rate environmen...

Archie and Eric Lewis, CPA continue their conversation on 4th quarter action items to save on taxes.  Eric has worked in public accounting and hi-tech finance since 1995. Most recently, he was Executive Director of Walker Ventures, a $100 million early stage venture capital fund located near Baltimore, Maryland. Eric has served as Chief Financial Officer at two venture capital-backed high tech com...

Archie and Rob discuss this spooky mistake you could make: not matching your investment portfolio to your time horizon. This episode on YouTube: https://youtu.be/XnzqS0RAOaM   Listen in on conversations with Certified Financial Planners Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paychec...

Archie and Eric Lewis, CPA will cover 4th quarter action items to save on taxes. Eric has worked in public accounting and hi-tech finance since 1995. Most recently, he was Executive Director of Walker Ventures, a $100 million early stage venture capital fund located near Baltimore, Maryland. Eric has served as Chief Financial Officer at two venture capital-backed high tech companies and has worked...

Rob and Scott continue their conversation from last week, sharing more advice on retiree health insurance. In this episode, they focus more on Medicare Supplement plans and how to choose the right one for you.  Scott's bio:  With Scott's 25 years of experience working in insurance, he is a great resource as the Senior Account Executive for Medicare BackOffice. His goal is to help advisors and agen...

Rob welcomes Scott Aschoff from Medicare Back Office to the show, and the two discuss retiree health insurance. With open enrollment right around the corner, Rob and Scott provide valuable insights and information for those nearing retirement and considering their healthcare options.  Scott's bio:  With Scott's 25 years of experience working in insurance, he is a great resource as the Senior Accou...

Listen in on conversations with Certified Financial Planners Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it's excitement, anxiety, or anything in between, this show is for you. If you'd like to chat with Rob or Archie further, please schedule a consultation: https://cal...

Archie and Rob delve deeper into the topic of annuities. Rob shares a real-life example of a client who felt trapped in an annuity due to low interest rates and a long surrender charge period. They explain how annuities often involve high fees and surrender charges, and emphasize the importance of reading the prospectus and understanding what you're buying before making the investment. They touch...

This week, Archie and Rob dive into the often controversial topic of annuities. They start off by defining what annuities are and how they were initially invented to mitigate the risk of outliving one's money.  Throughout the episode, they discuss the different types of annuities, including immediate and deferred annuities, variable and fixed annuities, and fixed index annuities. Archie and Rob ex...

Today, Rob and Archie discuss the role of bonds in a retirement portfolio. They explain the differences between stocks and bonds, how bonds work, and the risks associated with owning bonds.  They also discuss why owning bonds in retirement can be beneficial despite lower expected returns compared to stocks as bonds may provide stability and income during market downturns.   This episode on YouTube...

5 Reasons you may actually need life insurance while you are retired.    This episode on YouTube: https://youtu.be/-uP-1SZNJ_8     Listen in on conversations with Certified Financial Planners Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it's excitement, anxiety, or anyth...

Can you predict the financial future of the markets? This episode breaks down ways to stay prepared, and what not to do when it comes to trying to read the economic tea leaves.   This episode on YouTube: https://youtu.be/HvxVOVcnAMI     Listen in on conversations with Certified Financial Planners Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever w...

Savvy ways to maximize your tax benefits when giving in your retirement years.   This episode on YouTube: https://youtu.be/H2fNHS3BcVI     Listen in on conversations with Certified Financial Planners Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it's excitement, anxiety,...

You may not like stocks and the risks that come with owning them. However, few other assets have the same history of building wealth. Tune in to learn why you may want reconsider this bias.   This episode on YouTube: https://youtu.be/0iMVvkZNMIo   Listen in on conversations with Certified Financial Planners Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have...

There are tons of reasons to have an emergency fund when you are working. Those reasons do not go away when you retire. They may become more important than ever.   This episode on YouTube: https://youtu.be/cW8Phwy65hQ     Listen in on conversations with Certified Financial Planners Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it...

Should you pay off your mortgage before you retire or save more during your working years? Tune in to learn about the technical and emotional factors you may want to consider. This episode on YouTube: https://youtu.be/_y2736SibwY   Listen in on conversations with Certified Financial Planners Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wonder...

Living your best financial life without going broke. Tune into learn about 5 financial control levers that you have before and during retirement.  This episode on YouTube: https://youtu.be/_y2736SibwY Listen in on conversations with Certified Financial Planners Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when...

Recent research suggests that a happy retirement may be different than you think. Chances are, it will look different than your parents retirement. Tune in to learn more! This episode on YouTube:  https://youtu.be/OzjPUv1G0gs    Listen in on conversations with Certified Financial Planners Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered...