Retirement Planning - Money Not Math

“According to the study, 78% of pre-retiree respondents expressed concern over inflation’s effect on their retirement income.” 1 Market Review 2024: Stocks Overcome Uncertainty to Notch Another Strong Year… “It’s a reminder that the market is constantly incorporating new information into prices—including expectations for moves by the Fed.” 2 Weekly Retirement Planning Coffee Talks are a casual way...

Retire Early, is this the year you take the leap? Plus, 6 Market Pros on the Biggest Risks for 2025. 1.2.25 Retirement Planning Coffee Talk A guide to help you retire early in 2026 or in the near future, with a month-to-month checklist of achievable goals. Keep an eye on sticky inflation, stretched valuations, and an uncertain policy landscape. Weekly Retirement Planning Coffee Talks are a casual...

A guide to help you retire early in 2026 or in the near future, with a month-to-month checklist of achievable goals. Keep an eye on sticky inflation, stretched valuations, and an uncertain policy landscape. Weekly Retirement Planning Coffee Talks are a casual way for me to connect and answer questions—even if you’re not a client—at no cost. Join us on Facebook Live or stop by my office to enjoy fr...

How to Avoid Letting Unforeseen Events (Black Swans) Ruin Your Retirement. Money Not Math 155 “When it comes to investing, a big obstacle many people face is the fear of catastrophe.” “The fact that winners can gain more than losers can lose is one of the many reasons I’m so optimistic about investing in public markets.” “Staying disciplined is one of the keys to capturing the market’s long-term r...

Financial advice can add up to 5.1% to portfolio returns over the long term. 11/21/24 Retirement Planning Coffee Talk That could make up to or more than a $7m difference! Election Results Shouldn’t Dictate Your Investments Yes, RMDs Can Improve Your Portfolio Weekly Retirement Planning Coffee Talks are a casual way for me to connect and answer questions—even if you’re not a client—at no cost. Join...

How the 2024 Election Could Affect Your Portfolio. 11.7.24 Retirement Planning Coffee Talk   Stocks, Dollar, Bitcoin Rise as Trump Wins Second Term   2025 Social Security Changes – please reach out if you want a copy of the pdf   Investors Tend to Win No Matter Who Prevails in an Election   Probability of Positive Returns in the S&P 500 Index – Since 1937 – please reach out if you want a copy...

“Why Many Americans Aren’t Prepared for Retirement” and “What Investors Told Us They Want From Advisors” were Morningstar articles also discussed. What are you looking for in an advisor? Do you think who wins the election will impact the stock market? What other questions or thoughts do you have from these three articles? Weekly Retirement Planning Coffee Talks are an informal way for me to have c...

The True Tax Benefit of IRAs and 401(k)s plus how they stack up against taxable and after-tax accounts. Money Not Math 154. Where should you be investing your money? Tax-deferred (Traditional IRAs/401(k)s, taxable, or after-tax (Roth IRAs/401(k)s)? This article and visual will hopefully help you answer that question. Please let me know if you have follow-up questions or thoughts plus future money...

Why Stocks are Hitting Record Highs, Avoid RMD Shortfalls, and Is Fixing Social Security and Medicare as Dire as it Seems? 6/13/24 Retirement Planning Coffee Talk   “Still, without action by Congress, the program in 2035 would be bringing in enough cash to pay only 83% of the benefits promised to current and future beneficiaries. In other words, beneficiaries would be facing a disastrous 17% cut i...

The True Cost of a Financial Advisor Revealed, The Financial Risks of Social Media, and Take it from Warren Buffett: Misses Are Inevitable. 6/6/24 Retirement Planning Coffee Talk Would it be worth paying 1% of your assets under management to receive 1.5%-4% higher account growth over an extended period of time? Potentially going from ~$1.3M to ~$2m or ~$1.3M to ~$4m? What's the "hottest&q...

Dad jokes, the financial media, and the countdown to your retirement. 5/8/24 Retirement Planning Coffee Talk with Ross Welte and Dexter. Check out this video for some real client retirement stories regarding their emotions and financial outcomes! Why is the news so negative? Can anyone explain this FPS situation? Emotions are the detriment to long-term planning. Don’t use words! Should we get out...

Forgive, Be BOLD, and Live! Money Not Math 153 interview with Alison Bernier – Bernier Properties LLC What an absolute pleasure it was for me to interview Alison and get to know her better. Her faith, perseverance, genuine nature, and kindness are incredible. I love her Core Values and belief system. Especially when she talks about how the connections you have and how we treat people are more impo...

Thankful for 10 years! My office is moving. FED interest rate decisions. Only 1 in 5 have retirement plans. 5/2/24 Retirement Planning Coffee Talk. Weekly Retirement Planning Coffee Talks are an informal way for me to have conversations and answer questions with people even if they are not my clients for free. You are welcome to join the Facebook live or stop by my office for free coffee. There is...

NFL Draft tonight, go Vikings! 5.1% Cash Accounts. Structured Notes. Series 65. 2/3 of Peak Boomers Aren't Ready for Retirement. And Qualified Charitable Distributions. 4/25/24 Retirement Planning Coffee Talk. Weekly Retirement Planning Coffee Talks are an informal way for me to have conversations and answer questions with people even if they are not my clients for free. You are welcome to joi...

Roth Conversions. Will the New Inflation Story Hurt Stocks? Magnificent No More? Apple and Tesla Stocks Are Weighing on the Market. Our retirement planning newsletter and Shane Zutz’s leadership newsletter. 4/18/24 Retirement Planning Coffee Talk Weekly Retirement Planning Coffee Talks are an informal way for me to have conversations and answer questions with people even if they are not my clients...

“I feel like I should have had a financial education class” 4/11/24 Weekly Money Not Math Coffee Talk Topics discussed= Help support the Challenger Elementary School teachers and students by buying a coffee mug! What I See When I Watch Basketball. Where International Diversification Works—And Where It Falls Short. Which behavioral bias is most common and most detrimental to financial planning? Do...

Go Gophers! 5 Steps to Spring-Cleaning Your Investment Portfolio. Morningstar Market Insights: Central Banks, Inflation, and Patient Investing. Cost of Capital: A Gut Check on High-Flying Stock Returns. 3/28/24 Weekly Money Not Math free Coffee Talk. Weekly Money Not Math Coffee Talks are an informal way for me to have conversations and answer questions with people even if they are not my clients...

2.23.24 Money Not Math interview with Tevin Moreno – Moreno Dental Services. Money Not Math 152. Did you know Tevin drove a bus to his first year of college and started his own practice/business straight out of college? Listen to this awesome interview to learn more about Tevin, his impressive path to becoming a dentist, and the lessons he has learned along the way. I left more impressed than expe...

Topics discussed= Missing out by not talking finance? The Next BlackBerry? Are ‘Higher for Longer’ Interest Rates Back? The difference between Want and Need! Weekly Money Not Math Coffee Talks are an informal way for me to have conversations and answer questions to people even if they aren't my clients for free. You are welcome to join the Facebook live to talk or stop by my office for some fr...

“Roger Federer’s impact on the sport is maybe more than any man before him. His trademark style took the sport by storm and changed the way younger players approached it, essentially laying the groundwork for the next two decades of tennis. Beyond that even, his impact on the world of sport is clear for all to see and his position as a role model has never been questioned. Roger Federer is undoubt...

2.7.24 Live Money Not Math free Coffee Talk recording How Small, Consistent Actions Can Pay Off BIG in Finance & Life https://financeinsights.net/KXVwTdjwPh06aK7SQEj4XHVZn7M?email=drew%405stonefinancial.com&fbclid=IwAR1N7gvKurlDwWOqraMzlIxc-DxnkkLjRgOfOw12Cf1A8MFbcSJoKod1O6k Uncertainty is Underrated https://www.dimensional.com/us-en/insights/uncertainty-is-underrated Weekly Money Not Math...

Thank you for your time! Money Not Math 150 Thank you to everyone who has taken the time to watch my videos, listen to my podcasts, and follow my pages. I am extremely grateful for the opportunity to help others improve their financial future. I hope these episodes have brought you value and will bring even more in the future. Below is a list of the most watched or listened to episodes I have had...

Along with anybody else who attempts to forecast the investment future. Most who try to predict the market fail more often than not. Problem #1: Recency Bias Problem #2: Group Think Problem #3: Wishful Thinking Why Bother? “Why Investors Might Think Twice About Chasing the Biggest Stocks. As companies grow into some of the largest firms, the returns that push them there can be impressive. But not...

I am Maxing out my 401k, Now What? Money Not Math Client Success Story 2 I love to help people have more confidence in their future and it is my mission to provide the highest quality advice and service possible to my clients. To accomplish this, I limit myself to having 100 active clients or less that I have a fiduciary responsibility to at all times. One way I hope to provide value to good peopl...

Your 2024 Tax Fact Sheet and Important Dates. Money Not Math 148 2024 Important Tax Facts for All Taxpayers. Do you know the difference between your marginal and effective income tax rate? 2024 Important Tax Facts for Investors. Is it better for you to pay income or capital gains tax rates? 2024: Important Tax Dates to Remember • Jan. 1: New IRA, retirement plan, and HSA contribution and income li...