Plan For Life Now

In this episode Dave and Steve start (1:05) by discussing the ways that people organize their retirement and the risks they are facing. After that they discuss an article from their favorite columnist, Barry Rithholtz (11:27). Tune in to find out what are the 10 things people in finance should never say! https://www.washingtonpost.com/business/economy/one-man-wanted-financial-certainty-and-fun-in-...

This month Dave and Steve start off the show talking about a blood test that predict dementia (2:40) and how this might impact the future of long term care insurance. Then they switch gears and talk about Steve’s golf instructor (8:35) . How is his method of teaching golf a lot like the Capitol Retirement Strategies method of financial planning?

In this episode Dave and Steve discuss why good financial advice doesn’t always make for good headlines. In both finance and sports, “hot takes” and bold predictions attract attention. Tune in to hear more!

In this episode Dave and Steve provide a brief update on the market and then dive into the changes in Long Term Care insurance. The landscape for this insurance is changing dramatically as more and more carriers leave the marketplace. Tune in for all the details!

At long last, “Plan for Life Now” reached their milestone 50th episode. In this episode Dave and Steve take a trip down memory lane and discuss the origins of the podcast and Capitol Retirement Strategies. They discuss their days at WMAL, super producer Ken Hunter, Old Man Dividend, the worship of Barry Ritholtz, Liar BS Corner, making Redskin picks and much much more. Enjoy!

In this episode Dave and Steve discuss the government shutdown and the effects on local employees. In the second half of the episode they discuss columnist Barry Ritholtz’s annual list of what he got right and what he got wrong.

Old Man Dividend makes an encore performance as market volatility continues. Listen to the latest episode to find out what Dave and Steve recommend. Should he sell now? Or use this as an opportunity to buy?

In light of the recent market losses, Dave and Steve try something new. In this episode they role play a conversation with a client who wants to sell their stocks until the market “gets better”. Listen to find out what advice they offer and how it might apply to your situation!

Dave and Steve discuss the return of volatility. The stock market has been historically calm over the past few years. Is this latest downturn the start of a bigger sell off? Or just a natural market correction?

In this episode Dave and Steve discuss the 10 year anniversary of Lehman Brothers failing and the financial crisis. They also take time to discuss a seminar that they recently attended. In this seminar economist Fritz Meyer offered his thoughts on the economy and stock market. Is the market overvalued? Are we “overdue” for a recession? And is the media reporting on the market accurate?

In this episode Dave and Steve provide a quick update on the current state of the stock market. Then they discuss the way that investment ideas change and evolve over time. How does the “half-life” of an investment idea impact the way you invest?

Most people look to their financial advisor for sound investment recommendations. However, a good financial advisor should be able to add value through a host of other recommendations. In this episode Dave and Steve talk about helping clients structure withdrawals to minimize their Medicare premiums, completing Roth conversions, and realizing capital gains.

In this episode Dave and Steve tackle two very different topics. First, they discuss how the new tax laws may favor making charitable contributions directly from your IRA. After that, they discuss corporate debt and stock buybacks. Will this be the cause of the next bubble and stock market crash? Beware the ‘mother of all credit bubbles’ Mortgage debt fueled the last bubble. Corporate debt is fuel...

In this episode Dave and Steve talk about the White House proposal to change the Federal Employee Retirement System. What changes are being recommended and what are the chances that these recommendations become law?

Dave and Steve discuss a popular internet strategy known as F.I.R.E. Financial independence retire early. Who doesn't like the sound of that? But is it really a new idea?

Episode 39: Long Term Care Insurance by Capitol Retirement Strategies

In the latest episode Dave and Steve discuss the four horseman of the coming retirement apocalypse. High stock valuations, low bond returns, increased longevity and the risk of long term care. All of these risks combined make planning for a successful retirement even more difficult than it has been in the past.

In this episode Dave and Steve tackle the market volatility of the past two weeks. What does this mean for investors, and should you be worried?

In this week’s episode Dave and Steve discuss the article written in the local newspaper profiling Capitol Retirement Strategies. They discuss their favorite quotes from the article as well as explain terms like “junk drawer planning” and “decumulation planning”.

In this week’s podcast, Dave and Steve discuss the importance of humility in investing. Why is it important to admit when you are wrong or just don’t know the answer?

In this week’s episode Dave and Steve discuss the tax reform proposals and how this might impact social security increases. Also, they discuss why you might have saved $1M and still feel poor.

In this week’s podcast Dave and Steve discuss the cycle of investor emotions. When the stock market is rising investors feel thrill and euphoria. When the market declines investors feel depression and panic. Where are we in the current market cycle?

The lawmakers on Capitol Hill are currently working to pass a significant tax reform package. One of the ideas being discussed is lowering 401k contribution limits. Listen to the latest episode to hear Dave and Steve discuss the pros and cons of this proposal and how it might impact savers.

In this week’s episode Dave and Steve discuss Richard Thaler’s recent Nobel prize. While most people have never heard of Thaler, his research has provided profound insight into how investors behave in the real world.

In this week’s episode Dave and Steve discuss the never ending bull market. How does eight years of rising stock prices impact your expectations for returns going forward? And why are negative returns early in retirement so devastating?