Life Isn’t Lived on a Spreadsheet

Welcome to another insightful episode of Life Isn’t Lived on a Spreadsheet! This week, host Alec Quaid, Certified Financial Planner dives deep into the essential components of retirement income planning. Retirement is about more than just financial projections—it’s about living your best life with confidence and clarity. Join us as we unravel the complexities of the Retirement Equation, a framewor...

Have you ever wondered how your financial habits were shaped? This episode of Life Isn’t Lived on a Spreadsheet unpacks the profound impact of family influences on financial decisions and how to navigate the complexities of building your financial future. Host Ryan Poterack of Poterack Capital Advisory shares personal insights, real-life stories, and practical advice for overcoming generational pa...

Are you ready to rethink how you plan for retirement? This episode of Life Isn’t Lived on a Spreadsheet dives deep into why your unique story, values, and objectives matter more than cookie-cutter financial advice. Join host Ryan Poterack of Poterack Capital Advisory as he challenges traditional financial planning and explores how behavioral finance and personalized strategies can empower your gol...

Being unsure whether to pay off your mortgage or not — that’s a good problem to have! It means you’ve built up significant savings and have options. While being debt-free is appealing to many, there are practical reasons to consider keeping your mortgage. Let’s take a look at both sides. Paying Off Your Mortgage Paying off your mortgage can offer peace of mind, a sense of accomplishment, and...

This will be a deeper-dive into an essential but often overlooked part of retirement planning — how you’ll spend your time. Financial security is important, but having a purpose-filled routine is just as vital. Things to Consider: Before you take the leap, try some “test drives” to find your ideal retirement routine. Unstructured Days: Try vacation days with no plans; reflect on how you feel...

Welcome to Life Isn’t Lived on a Spreadsheet , where we explore the stories behind the numbers and dive deep into the personal side of financial planning. In today’s episode, Ryan Poterack and Charrise McCrorey challenge the traditional view of retirement and offer a fresh perspective on making the most of your golden years. Whether you’re preparing to retire or simply looking for ways to pl...

Welcome to Life Isn’t Lived on a Spreadsheet. This podcast dives into the personal side of financial planning—because your life isn’t just numbers and charts. Today, Alec Quaid, Certified Financial Planner and Wealth Manager at Poterack Capital Advisory, takes us through variable two of the retirement equation: asset allocation . In this episode, Alec explores: Why simplifying retirement income pl...

How long will your retirement savings need to last? Welcome to “Life Isn’t Lived on a Spreadsheet,” the podcast where we challenge conventional retirement planning. Join Alec Quaid, Certified Financial Planner and Wealth Manager at Poterack Capital Advisory, as he kicks off a deep-dive mini-series on “The Retirement Equation.” Discover a fresh, holistic perspective on...

Welcome to Life Isn’t Lived on a Spreadsheet ! In this episode, Ryan Poterack, Wealth Manager and CEO of Poterack Capital Advisory, along with co-host Charrise McCrorey dive deep into the often-overlooked world of tax strategies that can significantly impact your retirement planning. It’s time to shift your perspective on how to use your money effectively during your golden years. Join...

Welcome to Life Isn’t Lived on a Spreadsheet , where we delve into the stories that shape our financial futures! In this episode, Ryan Poterack and his partner Alec Quaid tackle the often-overlooked emotional aspects of retirement planning, especially as we approach an election year that can stir anxiety among investors. Join us as we explore how your personal experiences and values play a c...

Retiring before age 65 and unsure about your health insurance choices? This episode is here to clarify your options.  Let’s discover how to secure optimal health insurance before hitting Medicare age 65 and gain clarity on the Affordable Care Act, COBRA, and more with expert insights. Alec Quaid joins health insurance expert Amy Green of Move Health Partners. They dive deep into pre-Medicare healt...

Let’s discover how frequent, personalized communication can make a significant impact on your retirement planning. In this episode, Ryan Poterack sheds light on the unparalleled importance of building a personalized relationship between advisors and clients. By focusing on both the financial and personal aspects, PCA helps soon-to-be retirees overcome pre-retirement anxiety with insightful tax pla...

How early should you start talking to your kids about money? Here’s how you can raise financially savvy children from toddlerhood through their teenage years. Join Alec Quaid as he explores the right age and methods to start teaching your kids about money. From handling allowances and chores to discussing the value of investments, Alec shares real-life examples and actionable insights that every p...

Traditional number-crunching fails to address the anxiety and personal aspects of retirement. That’s why we’re emphasizing the importance of emotional intelligence in financial planning.  Ryan Poterack makes a compelling case for emotional intelligence as a crucial element in effective retirement planning. This episode also covers PCA’s unique client intake process, the importance of matchin...

Timing the market is often a perilous venture that can derail your long-term financial goals. Let’s discuss why maintaining your investment strategy during uncertain times is crucial for achieving financial stability. Join us as we explore the dangers of market timing. Learn from Ryan Poterack’s extensive experience and gain valuable insights on why staying the course often yields better results t...

While AI is transforming many industries, when it comes to financial planning, nothing can replace the human touch. Alec Quaid discusses the growing role of AI in financial advisory services. He delves into the current applications of AI, like tax and estate planning efficiencies, and why human empathy remains crucial.  Learn how PCA blends technology with personal touch to provide comprehensive f...

Understanding Social Security intricacies can significantly amplify your retirement benefits, ensuring you navigate these golden years with greater ease and security. Alec Quaid joins us to unravel the complexities of Social Security – how it’s calculated, impacted by marital status, and what potential future changes could mean for retirees. We delve into why so many find this topic be...

Discover how embracing life’s twists, turns, and triumphs can redefine your approach to financial planning and personal growth.  Learn from Ryan Poterack’s journey—spanning three decades in the industry and personal challenges—that led to profound professional and personal development. This episode is a beacon for anyone looking to blend financial success with personal fulfillment. Discussio...

Are you navigating financial planning as a young professional or gearing up for retirement?  Alec Quaid sheds light on the common misconceptions about wealth management among young investors. Learn why starting early can be your biggest financial leverage, how to manage student debt without pausing your life, and why the decisions you make today matter more than you think.  Plus, uncover investmen...

Let’s talk about the fees involved with investing your money, even those pesky hidden ones. Ryan Poterack is discussing the importance of understanding fees in investments and how they impact returns. Ryan emphasizes the significance of value over cost, highlighting that fees should be equated to the value and services provided.  The discussion explores the various types of fees, including visible...

Transferring or inheriting wealth is not as simple as something like “Venmo”. It should require a strategic wealth transfer plan. Let’s learn how to make one. Ryan Poterack is exploring the intricate world of inheritance and legacy planning with Certified Financial Planner, Alec Quaid. The discussion skillfully navigates the emotionally charged landscape of receiving an unexpected windfall,...

The saying “time is money” is very applicable to the concept of compound interest. What is it and how does this interest accumulate?  Ryan Poterack and Alec Quaid discuss the power of compound interest and the necessity of patience for effective wealth accumulation–also known as “how to get rich slow.” They go over strategies for managing emotional responses to market volatility and underscore the...

It’s time to interview your new financial advisor.  What questions do you ask, and how do you know they’re the right fit for you? Ryan Poterack and Alec Quaid discuss the critical role of personal values in financial planning, emphasizing a holistic approach to retirement that includes lifestyle goals alongside financial strategies.  They highlight the importance of vetting wealth managers, unders...

You’ve got your finance guy or gal who manages your investments, but is that truly all they do? It’s time for Ryan Poterack and Alec Quaid from Poterack Capital Advisory to discuss holistic wealth management, stressing the need to understand your unique values and life goals. The conversation covers the importance of comprehensive financial planning over limited product offerings, client edu...

Do you plan on donating money to your favorite charities? First, let’s understand the tax implications so you can maximize your charitable impact. In this release, Ryan Poterack discusses the nuances of charitable giving. He describes the strategies like qualified charitable distributions and donor-advised funds, and the benefits of donating appreciated assets.  Ryan is eager to offer detailed adv...