Re-Engineering Your Finances Podcast

Risk is unavoidable — the only question is whether the risk you're taking actually makes sense for where you are in life. Today we're looking at three stages of the financial journey, and at each one we've got three types of people with three very different approaches.   Important Links: Website:  https://www.cpweldegroup.com/ Call: 610-388-7705   Financial Planning and Advisory Services are offer...

A lot of people think working with a financial advisor is just about picking investments. But a great planning experience is much more than that. Today, we’re walking through what it actually feels like to work with a firm—from the first conversation to ongoing guidance—so you know what to expect.   Important Links: Website:  https://www.cpweldegroup.com/ Call: 610-388-7705   Financial Planning an...

Graduation season is wrapping up… caps, gowns, and yearbooks full of superlatives like “Most Likely to Succeed” or “Most Popular.” So today, we’re having a little fun. Imagine you’re on the yearbook committee at the School of Financial Planning. Which tools and strategies win each category?   Important Links: Website:  https://www.cpweldegroup.com/ Call: 610-388-7705   Financial Planning and Advis...

Most folks meet with their financial advisor once a year. That meeting is one of the most valuable hours in your financial life if it's done right. Today we're going to talk honestly about what that meeting looks like when it isn't... and what it looks like when it is.   Important Links: Website:  https://www.cpweldegroup.com/ Call: 610-388-7705   Financial Planning and Advisory Services are offer...

Most retirement conversations are about saving enough. Today we're talking about the other side of that. What happens when you've saved, you're there, and you still can't bring yourself to spend it? It's more common than people admit. And it can quietly rob you of the retirement you worked so hard to build.   Important Links: Website:  https://www.cpweldegroup.com/ Call: 610-388-7705   Financial P...

Got money questions? We’ve got answers. In this episode, we're tackling some of the most common (and often misunderstood) financial decisions: - What to do if you’ve got too much company stock in your 401(k) - Smart ways to put extra cash to work - How to handle an inherited IRA without costly mistakes - Whether you’re missing out by sitting on the sidelines while markets surge - And how to estima...

Quick question before we get started... which Easter candy are you most looking forward to this year? Whatever your answer is, we're going to use it. Because today we're building a financial Easter basket and matching some of your favorite candies to the products and tools that belong in a solid retirement plan.   Important Links: Website:  https://www.cpweldegroup.com/ Call: 610-388-7705   Financ...

We got a great question from a listener. They wrote in: "What's better- term life insurance, universal life, or whole life?" Straightforward question. Not a straightforward answer, especially if you're in your 50s. Today we're going to walk through all three...     Important Links: Website:  https://www.cpweldegroup.com/ Call: 610-388-7705   Financial Planning and Advisory Services are offered thr...

Nobody likes tax season. But for new retirees, it can come with a few unwelcome surprises. The rules have changed, the income sources have shifted, and strategies that made sense during your working years may no longer apply. Today we're looking at some of the biggest tax mistakes retirees make as discussed in a recent Kiplinger article and whether these match what we see in the real world.    Imp...

There’s no shortage of financial advice out there, and unfortunately, not all of it is good. Some of the most damaging retirement mistakes don’t come from reckless behavior, but from ideas that sound reasonable and get repeated often enough to feel true. Today, we’re busting some of the most common retirement planning myths and explaining why believing them can quietly derail an otherwise solid pl...

A new government-backed savings account for kids is coming. On the surface, it sounds like a win. Free money for newborns, long-term investing, and a head start on adulthood. But once you look under the hood, Trump Accounts raise some real questions about taxes, flexibility, and whether they beat existing options. Today, we’re walking through the pros and cons and asking if this new account is wor...

It’s mailbag time! Today, Charles answers recent listener questions sent into the show. From worrying about inflation and holding too much cash, to downsizing- or upsizing- into retirement, this episode tackles the financial dilemmas listeners are facing in 2026.   Important Links: Website:  https://www.cpweldegroup.com/ Call: 610-388-7705   Financial Planning and Advisory Services are offered thr...

Nothing will mess with your financial confidence faster than comparing your savings to your brother, your coworkers, or that guy on YouTube who claims he retired at 35. Your retirement number isn’t a competition. Let’s talk about what really matters when you’re trying to figure out if you’re behind on your savings goals…and what to do if you actually are.   Important Links: Website:  https://www.c...

In this episode, we tackle a wide spectrum of listener questions about retirement, divorce, inheritance, taxes, investing, and paying for big life events. If you’ve ever wondered how to navigate financial decisions when everything happens at once, this conversation is for you.   Important Links: Website:  https://www.cpweldegroup.com/ Call: 610-388-7705   Financial Planning and Advisory Services a...

You’ve heard the saying, “There’s no such thing as a bad question.” But in retirement planning… some questions are definitely better than others. The way you frame your question often determines the quality of your answer and, in some cases, the quality of your retirement.   Important Links: Website:  https://www.cpweldegroup.com/ Call: 610-388-7705   Financial Planning and Advisory Services are o...

Most people think financial planning is about calculators, spreadsheets, and strategies. But that’s only half the story. The truth is, your feelings about money can have just as much impact on your retirement as the numbers do. Today, we’re exploring the emotional side of planning. Important Links: Website:  https://www.cpweldegroup.com/ Call: 610-388-7705   Financial Planning and Advisory Service...

What would you do if a client came in with $1 million in cash to invest? That was the question put to three financial advisors in a recent article. Today, we’re going to react to their takes, but also add an important layer: how the answers might change depending on your age…  Where Should A Middle-Aged Client Invest $1 Million? Article: https://www.fa-mag.com/news/have--1m-to-invest--rias-hightow...

You’ve spent decades building your investment accounts, monitoring the markets, and contributing to your 401(k). That’s great. But here’s the truth: you’re not ready to retire if that’s all you’ve done. Retirement planning isn’t just about your portfolio; it’s about so much more. On today’s episode, we’re diving into all the non-investment decisions that can make or break your retirement.   Import...

If your parents passed away relatively young, it’s only natural to wonder whether you’ll follow the same path. And from a financial standpoint, does that change how you should approach things like retirement planning and when to draw Social Security benefits? We’ll answer a listener’s question on this exact topic on today’s episode.   Important Links: Website:  https://www.cpweldegroup.com/ Call:...

The new tax bill just passed, but will it actually help you? Let’s look at who stands to benefit, who might lose out, and the strategic moves to consider now while the rules are fresh.   Important Links: Website:  https://www.cpweldegroup.com/ Call: 610-388-7705   Financial Planning and Advisory Services are offered through Prosperity Capital Advisors ("PCA") an SEC registered investment adviser w...

A new tax bill has officially passed (you’ve probably heard it mentioned as the “Big Beautiful Bill”). And while most headlines are focused on politics, we’re focused on what it means for your retirement. The choices you make in the next year or two could have a significant impact on how much you keep and how much goes to Uncle Sam.   Important Links: Website:  https://www.cpweldegroup.com/ Call:...

You’ve worked hard, saved well, and now you’re thinking about giving back—maybe to your kids, your grandkids, or a cause you care about. But should you wait and pass that wealth on later, or give while you’re still around to enjoy the impact? Let’s talk about how to make that decision with confidence.   Important Links: Website:  https://www.cpweldegroup.com/ Call: 610-388-7705   Financial Plannin...

The 4% rule gets talked about like gospel in retirement planning. But let’s be honest, it’s always been more of a rough guess than a golden rule. Now, its original creator is revising it to 4.7%. So, does that mean your retirement paycheck just got a raise, or is this just another headline that oversimplifies a complex decision?   Important Links: Website:  https://www.cpweldegroup.com/ Call: 610-...

If you’ve switched jobs in the past few years, chances are you’ve got an old 401(k) sitting somewhere, collecting dust and possibly fees. Today, we’re answering a listener’s question about what to do with an old 401(k), when a rollover makes sense, and how to avoid common pitfalls when making the switch.   Important Links: Website:  https://www.cpweldegroup.com/ Call: 610-388-7705   Financial Plan...

We got a thoughtful question from Amanda last week, who said: ‘I’ve been saving for retirement, but I’ve never actually made a plan.’ And she’s not alone. There are plenty of people who’ve built solid savings but haven’t connected the dots to what retirement will actually look like. So today, we’re talking about the first steps to turn good saving into a great retirement plan.   Important Links: W...