Retire Right With Brad White

How often is it that you want to do something around the house and you figure hey this is a do-it-yourself project, I can get it done. Three trips to the hardware store later you’re finally getting it done and probably spent more than you would if you would have just hired a professional to do it. Brad shares some common mistakes he sees do-it-yourselfers doing.

March is known for madness, but 2023 that madness might mean something else in the banking industry. Brad breaks it down for us in todays show.

We all have felt the impact of rising interest rates. Last year, the fed raised rates by 50 basis points a number of times. Already this year, they’ve taken a 25 basis points rise to the interest rate. So how does this effect your retirement income plan? Brad dives into this on todays show.

A lot of people are in retirement, heading into retirement or almost retiring and their thinking hmm, what do I do with this money I’ve been saving in my 401k, a TSP or a 403b for all these years? Maybe you worked at one job. So what do you do? Brad helps break it all down for us.

Well, we’re into a new year, but as people often tend to do even when they’re in that first month or six weeks of the year, they’re getting tax stuff ready and looking back on What Just Happened? And for some maybe they retired in 2022. Maybe they’re retirement year is this year in 2023 and we still want to assess what happened and what can I do to fix it moving forward or what can I do to get bet...

Well, we’ve begun a new year and we look back on 2022 and the bar was a little lower than what we thought going into last year. What should we do now to prepare ourselves financially for 2023?

As we wind down the year 2022 and head into 2023, some people might be saying this last year has been not so great. I’m just going to hunker down or I’m going to wait, well is that the right strategy? If you have zero advice it could be the wrong strategy for you. I don’t know how you could ever know if it’s the right decision if you don’t ask someone who does this for a living like Brad does and...

We’re winding down the year 2022 and we want to talk about some of the lessons we’ve learned from this year because we certainly know that you all have learned plenty of lessons this year. One that rises to the top would be Interest Rates. What did we learn about our economy, the fed and interest rate hikes and truly cooling inflation? Brad discusses in todays show.

Since 1950, all 18 midterm elections have been followed by an up year for the stocks. The stock market says, this is what we tend to do when it comes to elections at the midterm.

As we head towards the final quarter of the year and we head towards a new year in 2023, we know that markets are still up and down, inflation is still there, we know that social security has been raised. The cost of living increase next year will be 8.7%. What if my retirement date is in the next 12 months? You’ve planned it in your mind, but what about retiring when the economy is all over the p...

Risk is uncertainty about lifetime consumption. Long story short, you should know how to define risk. Is it the likelihood something can lose money? Is it how much it can possibly go down? Or is it just volatility along the way? Brad explains in todays show!

Over the past 6 months the US created an average of 381k jobs per month compared to pre pandemic pace of less than 200k. This is a good thing because as the fed raises rates hoping to cool the economy down and therefore inflation, this provides a cushion for them to do so without the economy falling into full recession or anything like that.

The benchmark S&P 500 Index’s recent rebound has brought it more than halfway back from its 2022 low point in mid-June, which is an encouraging sign for many investors. It’s certainly one of the most statistically reliable signals in the stock market. But does that mean it’s safe to get back into stocks?

Let’s say you have a rental property that you bought a while ago. In San Diego that means you have HUGE gains in that house, and if you ever sell it will be a capital nightmare. Brad offers some tips on how you could potentially get rid of the tax.

There’s a lot of speculation lately about whether the U.S. is officially in a recession. Both President Joe Biden and Federal Reserve Chair Jerome Powell said we’re not there just yet, pointing to the strong labor market and rising wages. Brad weighs in on today’s show.

Don’t forget about what you can and can’t do before Full Retirement Age!

Long story short is you could be earning more than 4% completely guaranteed on your money right now. Brad explains in todays episode.

On June 15th, the fed voted to raise 75 bps for July, first time since November 1994. What happened with the market then and what could we expect this time?

What does it mean to have a retirement plan done? It simply means you say “id like to be able to live off of x amount of money in order to do all of the things I like to do.

For 13 years we had an accommodative monetary policy, we went into the worst recession since great depression, the worst stock market decline since then and now we’re in a totally different environment with inflation the highest in 40 years.

For those that go “well the market is down 13% first four months to the year, and were hearing now we could be entering a recession and having more inflation – so we haven’t even seen that part yet!” - this is why the term leading indicator is so important to note.

Market will remain choppy and may at best manage single-digit gain in 2022 –Vanguard projects annual gains in U.S. stocks of only around 3% to 5% over the next decade after a rise of nearly 27% last year in the S&P.