Shotwell Rutter Baer

In this episode, we explore various strategies to create a steady income stream in retirement, tailored to your unique financial situation and goals. We discuss when to take Social Security and dive into investment strategies that can help you maintain financial stability during your retirement years. Watch on YouTube HERE Key Points Social Security Timing Varied Advice : There is widespread advic...

Welcome back to our much-anticipated May 2024 edition of “Retirement Planning Headlines,” where we save you the hassle of combing through endless financial articles. This month, we’ve even had listeners chime in with topics for our deep-dive discussions. Watch on YouTube  HERE Articles Discussed in this Episode How Much Should You Spend on Vacation? 5-10% of take-home pay on Vacations Never go int...

Episode Summary In this episode, we tackle the pressing issue of rising insurance rates with our special guest, Ben Rathbun. Ben is the President and CEO of Rathbun Insurance Agency, an independent agency with over 68 years of history. He brings a wealth of knowledge and experience to help us understand what’s happening in the insurance market and why rates are going up. Watch on YouTube HERE Key...

Welcome to another episode of Kitchen Table Finance, where we dive deep into financial strategies to help you make the most out of your retirement. In today’s episode, we’re tackling a common question: “Should I put everything into CDs or bonds when I retire?” Watch on YouTube Episode Highlights The Common Misconception Many retirees think, “I’m retiring, so I should put everything in CDs or bonds...

Welcome to another enlightening episode of the Kitchen Table Finance podcast! In this episode, Dave and Nick dive deep into the intricate world of relocating during retirement, examining how recent economic shifts have impacted this significant life decision. Key Discussion Points: Changing Landscape of Real Estate : Nick and Dave discuss how the real estate market has evolved post-pandemic. While...

Welcome back to our much-anticipated April 2024 edition of “Retirement Planning Headlines,” where we save you the hassle of combing through endless financial articles. This month, we’ve even had listeners chime in with topics for our deep-dive discussions. Watch on YouTube  HERE Articles Discussed in this Episode 5 Investing Mistakes Anyone Can Make | Morningstar “Do as I say Not as I do” by Chris...

Join Nick and Dave as they discuss concerns around geopolitical tensions in the Middle East, inflation, corporate earnings, and other issues that have led to a market decline, pushing the VIX index of stock market volatility to its highest level in six months. Watch on YouTube HERE After a historically strong start to the year, markets have now pulled back 2.5% to begin the second quarter. In time...

In this episode, we kick off with a warm welcome and jump straight into our Q1 quarterly review followed by the Q2 outlook. Despite entering the year on a shaky start, Q1 turned out exceptionally well, building on the achievements of a strong 2023. Watch on YouTube HERE Q1 Highlights: The beginning of January began forgettable, raising concerns given the adage “as January goes in the market, so go...

Welcome to our latest episode where we explore the complexities and considerations behind diversification of investment portfolios, particularly during retirement. In this in-depth discussion, we lay out compelling market analyses, historical comparisons, and thought-provoking strategies for investors looking to optimize their financial planning. Watch on YouTube HERE Whether you’re just starting...

Welcome to this episode of Kitchen Table Finance where we’re joined by our energetic and insightful spring 2024 intern, Cole Williams. With a few weeks under his belt, Cole shares his experience and lessons learned while working with our very own David. And surprise, Cole – today’s chat is doubling as your extended interview for the rest of the spring season! Watch on YouTube HERE In This Episode...

In today’s episode, we dissect the often-debated topic of whether you need an annuity for retirement. With a straightforward approach, we explore annuities with both a small “a” and a capital “A”, debunking common misconceptions and laying bare the good, the bad, and the frequently misunderstood facets of these financial products. Watch on YouTube HERE Main Topics Discussed Annuities and Retiremen...

Episode Overview In this pivotal episode of the “Kitchen Table Finance” podcast, Dave and Nick explore the concept of a “Strategic Reliable Blueprint” and how to effectively identify and tackle obstacles in planning. The episode uncovers the importance of recognizing unseen solutions, re-envisioning goals to surmount challenges, and the crucial steps taken behind the scenes to prepare for strategi...

Welcome back to our much-anticipated March 2024 edition of “Retirement Planning Headlines,” where we save you the hassle of combing through endless financial articles. This month, we’ve even had listeners chime in with topics for our deep-dive discussions. Watch on YouTube HERE Key Takeaways from this episode: The financial terrain is constantly shifting, and this episode explores the provocative...

Today we’re braving the waters of politics and markets—a conversation that’s becoming more pressing as we advance into March. Watch on YouTube HERE Main Points of Discussion: The Premature Arrival of Election Talks : It feels like we just talked about elections, but here we are, already in the thick of it, even in client meetings since last fall. A Non-Political Look at a Political Event : Steerin...

The podcast episode focuses on practical strategies for retirees to protect their credit from fraud and identity theft. Watch on YouTube HERE Episode Highlights: Dave and Nic kick off the episode by emphasizing the significance of credit protection, especially during retirement. It is common for retirees to neglect their credit standing which can increase their vulnerability to credit fraud. There...

Hey there! Curious about the latest buzz in retirement, planning, and news? Let’s dive in and break it down for you. Watch it on YouTube HERE As we kick off the year, we’re seeing a flood of self-help articles on fixing your life. It’s a good time to check them out, especially when it comes to health and finances – two big topics for January, right? One interesting piece from The New York Times ca...

Join Dave and Nick as they discuss an article at DFA Dimensional Fund Advisors about some ETFs , some exchange-traded funds that were created and didn’t fare very well. When a fund company creates a new exchange-traded fund or mutual fund, they’re responding to what they expect the market is going to do.  They’re trying to be creative and find things that they think are going to attract attention....

Join Dave and Nick as they discuss the important question of when should you make changes to your retirement portfolio.  Or should you?  Do you need to? How do you think about your retirement portfolio?   Watch on YouTube HERE On this podcast,  we’ve talked a lot about our investment philosophy of being long-term investors, not market timing, but are there times or reasons that you should be chang...

We’ve talked about this topic before, but it keeps rearing its head. It’s Bitcoin and it’s back in the news.  The SEC has now decided that Bitcoin and similar cryptocurrencies are going to be saved. There are a handful of them that took them up on that offer. Watch on YouTube HERE . Previously, to buy Bitcoin, you had to go to an exchange and open an account that handled cryptocurrencies. Now, wha...

This episode is part of our series of retirement planning headlines and what they may or may not mean for your upcoming retirement. Our little roundup of things we’ve read over the last couple of weeks that are out there in the media. Watch it on YouTube HERE Today we are reviewing some of the headlines from December and January highlighting some of the better things we’ve seen out there for consu...

Join Dave and Nick as they review 2023’s fourth-quarter economy and give a current market update. We do this once a quarter to go through and see what happened last quarter and talk about what that potentially means for the future. Watch on YouTube HERE How Did We Do the 4th Quarter? The fourth quarter was pretty darn good. The Wall Street Journal called it The Everything Rally in late December. E...

Join Dave and Nick as they close out Season 2 of Kitchen Table Finance. They discuss setting realistic market expectations, especially in retirement. What is a realistic market expectation? Well, there’s a lot of research out there that shows that particularly in bull markets, a general investor has an inflated expectation of what the markets should do for them and how much money they should be ma...

Congratulations! You made it to retirement. You’ve worked hard, planned hard, saved, and are now enjoying your time. And then, the market dives. What do you do? Watch on YouTube HERE How do you deal with your first market downturn in retirement? Common advice is to invest for the long term and stay put in the short term. The markets are volatile in the long term and the averages typically work out...

A lot of people might think it is the Christmas season, but as investors for the past twenty or so years, it also means that there are some different opinions on the market during this time of year. Watch on YouTube HERE We’re talking about market patterns and our pre-programmed human need to look for patterns. An example of this is the stars in the night sky. When anybody looks at them they searc...

This is episode two in our series of retirement planning headlines and what they may or may not mean for your upcoming retirement. Our little round roundup of things we’ve read over the last couple of weeks that are out there in the media. Watch on YouTube HERE Charlie Munger Our lead story is an interview with Mr. Charlie Munger, who sadly passed away just a few days ago on November 28. He was 99...