Plan For Life Now

In this month’s installment Dave and Steve discuss the future of meetings in the post COVID-19 world. How many people will want to meet in person and how many people will continue to meet virtually? After a brief discussion of the current housing market, Dave and Steve wonder about the future of a 60/40 portfolio. Will this portfolio still offer investors a solid risk adjusted return in the future...

Dave and Steve mark the one year anniversary from the bottom of the stock market’s COVID decline. How far has the market recovered since the March 23rd, 2020 low? They look back on the feelings we all had and the actions that many of us took (or didn’t take) in our portfolios. What would you have done differently? And how can the lessons of the last year help you prepare for next time?

Dave and Steve help listeners make sense over the recent decline in stocks and rapid rise in interest rates. What does it all mean? Why would rising interest rates be bad news for stocks? Is it normal for high growth stocks to be declining so much? Tune in to find out!

Dave and Steve mark one year of socially distanced podcasts by discussing the average 401k balance for Americans broken down by age. Find out how you compare to the rest of the country. After that they wade in to the age old discussion of growth versus value investing. Growth stocks have dominated value for most of the last decade. Will this outperformance continue or is it time for value to shine...

In this month’s episode Dave and Steve start off by discussing the GameStop stock saga. If you haven’t heard about it (or don’t understand it), be sure to check it out. With that out of the way, Steve breaks down the biggest financial planning moves that can save you money. Find out about how Roth conversions, Medicare premiums, HSAs and interest taxation can effect your plan!

As 2020 draws to a close, Dave and Steve look ahead to what 2021 might hold in store. They examine predictions from both bullish and bearish market analysts. Is there any value to listening to these talking heads? Does this change how we position our portfolios?

Dave and Steve take a look at how conventional wisdom so often fails when it comes to the stock market. Whether it was the housing crisis or the Coronavirus crisis, we can look back at how the experts got it wrong. How can you prevent yourself from falling into the trap of the iron clad argument that ends up being dead wrong?

With the US presidential election only days away, Dave and Steve examine a question that we have all pondered. Who is better for the stock market, Democrats or Republicans? The more important question: Should you take any action and change your portfolio? The answers might surprise you!

In this month’s podcast Dave and Steve discuss a variety of topics. In 2020 there has been a dramatic rise in small investors placing risky bets in the stock market. Has the lack of sports gambling lead to a rise in stock market gambling? Next up they discuss the prospects for inflation going forward and what we can learn from the past. Last but not least, they discuss the ever present investment...

In the latest episode Dave and Steve find out how well you know Social Security. See if you can beat Dave in this 12 question quiz about the ins and outs of the single largest retirement income source for most Americans.

In this month’s episode Dave and Steve discuss the impact of low interest rates on your savings. Also, they look at Goldman Sachs’ prediction for the stock market over the next 10 years. How would these projected returns effect your retirement?

In their continuation of social distancing podcasts, Dave and Steve tackle a big question: When should you sell stocks? A simple question with many complicated answers. In addition, Dave discusses the plans for a Capitol Retirement Strategies newsletter. Listen now to hear all the details!

As Dave and Steve continue their social distancing podcasts, they start by providing an update on the stock market. How far did the market fall and how far has it come back? How can we justify the current market levels given the horrific economic data? After that, Dave and Steve discuss inflation and how that has effected social security recipients for the past 20 years.

Dave and Steve continue their social distancing podcasts with a jammed packed episode. First they discuss the various toys Steve is buying for his kids to keep then occupied during the quarantine. Then they discuss the latest gem from Barry Ritholtz on what to do if you retired right before the Coronavirus. Last but not least, they discuss the surprising fact that bonds have outperformed stocks ov...

Episode #65: Old Man Dividend And The Long Term Effects Of Stimulus by Capitol Retirement Strategies

The speed of the stock market decline over the past month has been breathtaking. Dave and Steve offer their latest thoughts on the Cornavirus market decline. How can we use bonds to help us ride out the decline? How quickly have prior markets recovered? Are there any areas of opportunity?

The last five days have certainly been an interesting time to be an investor in the stock market. After an initially muted reaction to the coronavirus reports, stocks are now down 13% from their high. In this special coronavirus podcast Dave and Steve discuss their thoughts and concerns going forward. Here are a few highlights: The market: While the market is down 13% from its high, the S+P 500 is...

Have equities become too risky? How much longer will the decade-long bull market last? Is a stock crash or a recession coming? Should I sell? In this month’s podcast Dave and Steve look for insight and wisdom from the words of legendary author and finance professor Burton Malkiel. Tune in to find out what this means for your investments!

In the first podcast of the new year Dave and Steve talk about passage of the SECURE act. What does this mean for RMDs and inherited IRAs going forward? After that they discuss an outlook for 2020. What are the experts saying and how has that changed since last year. Tune in to find out!

Dave and Steve start this episode by discussing the changes proposed in the SECURE Act. In particular they discuss the impact on RMDs and inherited IRAs. After that Dave tells the story of a friend who continued to ignore risks in his retirement plan and the sad consequences of his actions.

The stock market has been going up for over 10 years, and some investors have gotten complacent. Are you making some of the classic late cycle investor mistakes? Listen to Dave and Steve discuss these issues and how to avoid them in the latest episode of Plan For Life Now.

In this month’s episode Dave and Steve start (1:10) by recapping the market over the past year. After that the discussion turns (2:45) to politics, and what effect certain candidates might have on the stock market. To finish up (10:10), they discuss an online guide to uncertain markets published by American Funds. Listen now to find out how soccer penalty kicks relate to how you manage your invest...

In this episode Dave and Steve have a grab bag of topics to discuss. They start (2:30) by discussing how people think differently about investing in real estate compared to investing in stocks. Next (7:18) they take a look back at the economy 10 years ago, and compare the changes in our outlook going forward. Lastly, (14:00) they revisit a bucketed retirement strategy. How do you structure your sh...

In this episode Dave and Steve discuss (2:07) a Stanford study that examined 292 different retirement withdrawal strategies to determine the best one. After that they discuss (15:00) the resurgence of value stocks. Is value investing making a comeback or will growth stocks continue to dominate?

In this episode Dave and Steve break down the behavior and saving habits of their client “Bob.” Find out how “Bob” approaches his investments and helps to set himself up for a long and relaxing retirement.