Retire(Meant) For Living Podcast

JoePat Roop discusses the pros and cons of borrowing against your retirement in a down economy. Plus, what happens if you're close to retirement and get an unexpected pink slip? How do you take emotions out of starting a new job close to retirement. Finally, how does JoePat help you find the happy place in Risk vs Reward?   For more information on Belmont Capital Advisors or to schedule a consulta...

JoePat Roop discusses the Fed continuing to raise interest rates and if this could lead to a slowdown in market growth, but more importantly, can your portfolio handle zero movement? Plus, what's your retirement fantasy and how do you realize it when you don't have a plan? For more information on Belmont Capital Advisors or to schedule a complimentary consultation, call 704-946-7000 or visit www.b...

JoePat Roop details the 60/40 model and if it's still a good option after a volatile 2022 in the market. Plus, what can we expect from the SECURE ACT 2.0 and one country superstar doesn't plan on retiring until you tell her to.  For more information on Belmont Capital Advisors or to schedule a complimentary consultation, call 704-946-7000 or visit www.belmont-capital.com   See omnystudio.com/liste...

JoePat Roop details the changes we can anticipate in the latest SECURE ACT 2.0 and how it will affect your retirement planning. Plus, what kind of outlook does JoePat have for 2023? Is it positive or one of more protection from a volatile market. Finally, is this the year you get serious about an Annuity? For more information on Belmont Capital Advisors or to schedule a complimentary consultation...

2022 was rough financially and JoePat details how he helped to protect his clients' principals despite a record year in the market. Plus, have we hit the bottom on the market? Is it fair to make bold predictions this early in 2023? Finally, what are your financial resolutions for 2023 and what SHOULD they be?   For more information on Belmont Capital Advisors or to schedule a complimentary consult...

JoePat Roop details what your first move should be if faced with a forced retirement. Unfortunately, it's becoming more common in a down economy and it's no longer just in the tech sector. Plus, how diversified are you in your portfolio? Too much? Too little? What's the right balance? For more information on Belmont Capital or to schedule a complimentary consultation, call 704-946-7000 or visit ww...

JoePat Roop details if we can prepare for a Santa Claus Rally stemmed from the optimism of the Holiday shopping season. Plus, some talking heads say 2023 is going to be rough for the market, while some say it's going to be great. Who should we trust and what does JoePat think the coming year will bring within the market? For more information on Belmont Capital or to schedule a complimentary consul...

JoePat Roop explains why looking at Tax Loss Harvesting now could benefit your end of year strategy. Plus, with the Holidays here, why you shouldn't forget about your fiscal responsibilities and explaining the confusion of a ROTH.  For more information or to schedule a consultation call 704-946-7000 or visit www.belmont-capital.com   See omnystudio.com/listener for privacy information.

JorPat Roop explains how the new CPI at 7.7% is good but not great because of the factors not included in the new number. Plus, some economists think the worst is ahead for us regarding a recession and $1.2M is enough to retire, right? Right?! No? JoePat explains why.  For more information on Belmont Capital Advisors or to schedule a complimentary consultation call 704-946-7000 or visit www.belmon...

With major companies announcing layoffs JoePat Roop details what steps you need to take if a "future endeavored" letter lands on your desk. Plus, with the midterms behind us, what's next for the economy with changes to dome of the major players in Washington. Finally, how much is too much for an emergency fund? For more information on Belmont Capital Advisors or to schedule a complimentary consult...

JoePat Roop talks about the secrets we hide from our family regarding our finances and how that can cause friction within a relationship. Plus, with changes coming in 2023, is now the right time to max out your 401k? Plus, the importance of getting a second opinion.  For more information or to schedule a complimentary consultation call 704-946-7000 or visit www.belmont-capital.com   See omnystudio...

JoePat Roop has some advice for the "experts" who think we are not in a recession yet and offers tips for retirees on how to plan for the next year of a down market. Plus, if JoePat had control of the Fed for one day, what's the first changes he would make that would benefit his clients and finally, is it possible to time the market? Some say it's a great advantage while some think it's never a go...

JoePat Roop details the hard question about delaying your retirement plans because of the down economy. Would this be a beneficial move to your overall portfolio? Plus, should you have an "age" or an "amount" in mind for your overall retirement goal? Finally, some good news for those who take Social Security benefits because the COLA is setting records! For more information or to schedule a consul...

In this episode JoePat grades the Federal Reserve on how they have handled record high inflation (spoiler alert: they don't pass). Plus, when unexpected life challenges happen it's easy to lean on your 401k as an emergency fund. JoePat explains why you should resist the urge and seek other options. Finally, the finer points of a One Page Retirement Income Plan.  For more information on Belmont Cap...

JoePat Roop discusses Hurricane Ian and the lessons we can learn about protection from the Economic Storm that continues to affect our retirement portfolios. Plus, one listener is a prime example of how "sitting on your hands" can create more problems when you are putting a retirement plan together.  For more information on Belmont Capital Advisors or to schedule a complimentary consultation, call...

In this episode JoePat talks about seeing Willie Nelson live in concert and what he learned about his own life and retirement from the music legend. Plus, what happens if you think a job layoff is coming soon, can you make a plan that benefits your retirement strategy? For more information on Belmont Capital or to schedule a complimentary consultation, call 704-946-7000 or visit www.belmont-capita...

We think of fall and Thanksgiving harvest, but what about tax harvesting? Could it benefit your portfolio? Plus, JoePat Roop details the difference between tax prep and tax planning. Also, what can we learn from Queen Elizabeth's Billions in assets? For more information on Belmont Capital Advisors or to schedule a complimentary consultation, call 704-946-7000 or visit www.belmont-capital.com   See...

JoePat breaks down the latest inflation numbers and why we should prepare for this to be the new normal for a while. Plus, how trains will be the next to affect our supply chain issues and finally, JoePat details the importance of his complimentary 1-Page Income Plan.  For more information on Belmont Capital Advisors or to schedule a complimentary consultation, call 704-946-7000 or visit www.belmo...

JoePat Roop details some of the risks we face when considering an early retirement and how to prepare for those situations. Plus, the importance of "living to be loveable" which has a lasting affect on your quality of life. Finally, big happenings from the team at Belmont Capital Advisors and how it will positively affect their customers.  For more information on Belmont Capital or to schedule a c...

As we slowly transition from Summer to Fall, JoePat details a few items on your financial checklist you should take care of including changes to your RMD's, tax strategies and looking at a ROTH Conversion. Plus, $1.3B is still up for grabs and how this "lost fortune" is a good lesson in managing your Estate.  For more information on Belmont Capital Advisors or to schedule a consultation, call 704-...

JoePat Roop details his thoughts on the new CPI number at 8.5%, but what the record high inflation really means for your portfolio. Plus, the Administration recently passed the Inflation Reduction Act which is proposed to help Americans struggling in a down economy, but what does it really mean? Finally, how to protect your SS Benefits when taxes will most likely be going up.  For more information...

In this episode, JoePat Roop defines if a "Misery Index" is real or just a financial buzzword but more importantly, how you define it. Plus, the pros and cons of a Robo-Advisor. There are some good points to using online financial software, but JoePat points out one key element that is missing.  For more information on Belmont Capital Advisors or to schedule a consultation call 704-946-7000 or vis...

In this episode JoePat Roop steps away from the "technical" definition of a recession and explains how your bottom line is more important that the "experts" explanation. Plus, what happens should you come into a life changing amount of money? What are the first steps you need to take to ensure you and your family is protected.  For more information on Belmont Capital Advisors or to schedule a comp...

JoePat Roop discusses the importance of getting out of your comfort zone and being uncomfortable could have a positive affect on your retirement portfolio. Plus, is the Biden Administration moving the goal posts when it comes to defining a recession? Finally, with all the "noise" is there a silver lining to a down economy? For more information on Belmont Capital Advisors or to schedule a complimen...

In this episode, JoePat discuss the good and bad of I-Bonds. They can be a good addition to your overall plan, but you need patience. Plus, with record high inflation and rising interest rates, what are some of the biggest questions JoePat is getting from both his clients and the community when it comes to a retirement plan? For more information on Belmont Capital Advisors or to schedule a complim...