Retire Texas Style!

Will you spend more money earlier in retirement on fun stuff or will most of your spending come later things like healthcare? Hear how Steve can help you prepare for both! Then, ever wonder what your cat is saying to you?  There’s an app for that.  It’s called “MeowTalk.”  It uses artificial intelligence and algorithms to decode what the feline is communicating (like happy, resting, hunting, or ma...

I saw an article that talked about the so-called financial planning ‘rules’ that should be abandoned.  One is the “60-40” portfolio split between stocks and bonds.  The other is the “4%” withdrawal rule (if a retiree withdraws 4% in their first year, and adjusts that for inflation every year after that, their money has good odds of lasting 30 years).  Do you agree?  Should we look at these as star...

When will we see the bottom of this market? Can we be successful with our retirement portfolio without having to resort to that kind of guesswork? What are the chances we could fall into recession in the next year?  Economists with Bloomberg say it’s 100% certain.  And it might hit sooner than later.  Hear how Steve can you help you build a financial bridge to get to the other side of this mess?  ...

We’ve talked a lot about how the bond market is also having a horrible year.  That’s why many investors are seeking ideal bond replacements.  Sheryl Moore of WinkIntel.com believes you might consider an annuity. Hear Steve share his opinion and more. The newest iPhone has a pretty cool feature called “crash detection.”  Just like it sounds, the phone detects various types of car crashes, then auto...

The one thing we all wish we had more of is TIME. You know the saying, "There's not enough hours in the day!" I get it, we're all busy. BUT, if you don't take the time to PLAN for your retirement - who will? Not all recessions are created equal.  But economist Lawrence White tells CBS News that the one thing they all have in common is they were triggered by certain events and sometimes a recession...

Q&A with YOU!  Listener question from Tessa: Is this a good time to get out of the Market? And what are the benefits of doing Roth Conversion? Hear Steve's response and most importantly how he can help you protect your money from a volatile market!   See omnystudio.com/listener for privacy information.

Americans are trying to stretch their dollars amid high inflation, but they might be overlooking money they already have – gift cards!  A new survey (by CreditCards.com) found the average person has $175 in unused gift cards. (Check your wallets! ) And if you don’t remember to cash them in, you’re leaving money on the table. You DONT want to leave money on the table in retirement and Steve can hel...

Question:  Do you think you pay too much in taxes … or too little?  That’s a trick question because we all pay too much!  But IRA expert Ed Slott tells The Motley Fool that’s our own fault! Bottom line, "the more you plan, the more you keep.” Steve explains how he helps clients minimize taxes in retirement and how a tax free retirement IS POSSIBLE! Then, the so-called “five-second rule” is apparen...

A Princeton Professor did a study asking retirees which approach they preferred to fund their retirement.  Dr. Wade Pfau found one third liked living off the growth and income of their portfolios, another third preferred the safety of annuities, while the remaining third was split between bonds and a hybrid of all three strategies.  Where do you see your clients on these choices? If someone comes...

Are we in a recession now? If not – is one coming?  That’s the big question as the Fed raises interest rates again to fight 9.1% inflation. Steve explains what pre-retirees and retirees can do now to prepare for a recession if and when it hits to both protect and grow your income and most importantly not run our money. See how Steve can help YOU create a customized income plan! See omnystudio.com/...

Steve talks about creating generational wealth and discuss the list of 50 things every 50 something should know about retirement!   Call Steve today for a complimentary Portfolio Review!      See omnystudio.com/listener for privacy information.

I came across a post on the blogging website Reddit that struck a nerve.  It was people talking about childhood friends they assumed were rich – and why they assumed that.  It’s a good reminder that “wealth” is often in the eyes of the beholder. Hear Steve explain how he can help you achieve what wealth looks like for you in retirement and what the first time meeting is with Steve!  See omnystudio...

Do you feel like your 401(k) is now more like a ‘301(k)’ because of all the market declines?  Hear how Steve is helping clients preserve their retirement savings during such a volatile time.  During all the volatility in the stock market, we’ve heard one financial term being tossed around a lot – bear market.  Is the stock market in a bear market right now, and will that lead to a recession? Steve...

You know all those stories about Social Security going broke in 2034?  Well, here’s some good news!  Uncle Sam had a good year, so they’ve pushed the “go-broke” date back by one year to 2035.  Not too exciting, right?  Recently, we sat down for an exclusive interview with former Vice President Mike Pence.  He told us the government must do everything to keep Social Security. Hear Steve share his p...

Let’s say you’re only a few years away from retirement and you haven’t paid off your mortgage yet.  Is that a problem? Steve weighs in on this and you'll hear questions from our audience!  Call Steve for a Portfolio Review!  See omnystudio.com/listener for privacy information.

What's the difference between a Traditional IRA and Roth IRA? Steve talks about the best time to do a Roth conversion and how to pass down your Roth IRA tax efficiently!  Call Steve today for a Portfolio Review!   See omnystudio.com/listener for privacy information.

Having an emergency fund is CRUCIAL both in your working years and during retirement. But, how can you stretch the pennies to build it while fighting inflation day to day? Hear Steve discuss how he helps his clients with this and how he can help YOU.  Then, the Motley Fool financial website says there’s no single “right way” to plan for retirement.  But there are plenty of “wrong ways.”  And one o...

If you’re 72 or older, the government makes you take Required Minimum Distributions every year.  RMDs consume a percentage of your retirement assets.  But thanks to new data that shows Americans living longer, the IRS has revised the RMD tables so that they’re at a lesser percentage.  That means fewer taxes to pay.  That seems like good news, right?  Does this change your thinking about the IRA to...

Economists routinely tell us that the biggest retirement worry is running out of money.  But Forbes says there’s another concern that doesn’t get as much attention … and that’s maintaining the same standard of living.  But how do we do that, considering that our retirement income will probably be less than what we earned when we were still working? Kevin explains how his 6 pillars for a successful...

If you missed the show this week, you're in luck - hear Steve interview Bill Murray! Steve had the opportunity to meet and chat with Bill Murray and his brothers (Brian Doyle, Joel, Andy and Johnny) during their " Murray Bros. Caddyshack Charity Golf Tournament " in St. Augustine, FL!  Bill and the brothers discuss what investments they would avoid, who taught them the meaning of charity, and the...

Jason Aldean joins the show and shares the secret to his success! Hear Steve share what he says is the secret to his nearly 30 years of success and what he and his team can offer that's different than other financial advisors!  Call Steve for your Complimentary Consultation!   See omnystudio.com/listener for privacy information.

Inflation is giving way to something called “shrinkflation.”  Companies are trying to fight higher prices by cutting corners with their products.  For instance, Doritos bags will now contain five fewer chips.  Crest is putting less toothpaste in its tubes.  And Charmin is cutting 20 sheets from its two-ply rolls of toilet paper. Those planning their retirement can also cut corners.  Some avoid tal...

How do you know it's the right time to meet with a financial advisor like Steve? Then, hear Steve share some listener questions! Call Steve Today for a Complimentary Consultation!  See omnystudio.com/listener for privacy information.

Ever heard of the 4% rule?  The idea was with a 50/50 mix of stocks and bonds, you could pull 4% out to live on and not run out of money over a 30-year retirement.  You can still find that rule on the internet today.  But does it take into account today’s huge inflation rate, or should we just throw out the concept altogether? Steve weighs in on the 4% rule and then shares some popular questions f...

U.S. News & World Report says there are “financial advisors” … and then there are “retirement financial advisors.”  Hear Steve explain the difference as well as which category he falls into. With over three decades in the financial world, Steve is ready to help YOU cross that retirement finish line!    See omnystudio.com/listener for privacy information.