The Financial Answer with Nathan O’Bryant

We’re back to breaking down the SECURE Act once again on the podcast. Back in July, we covered a couple of the provisions under the proposed act like penalty-free distributions for the birth or adoption of a child, tax credits, and the lifetime income disclosure for defined contribution plans. But we only briefly touched on the removal of provisions for the Stretch IRA. On this episode, we’ll spen...

If you’re someone that keeps a close eye on the stock market, it’s going to be impossible to miss the dips. That’s especially true when the market drops close to 10 percent, which happened recently. This is never easy to stomach but understanding how common this is and what you can do to offset these losses will ease your mind. Check out the show notes by clicking here. Today's rundown: 0:54 – It’...

Ever stop to think about what happens to all of your online accounts when you die? Does someone else have the password in order to gain access just in case? Making a plan for this now will make it easier on your loved ones. Check out the full show notes here.----more---- Take a look at the rundown below: 2:16 - In the News: Democratic presidential candidate Pete Buttigieg and his plan for shoring...

We all want it, but what exactly is financial security? Everyone defines it differently and today will discuss some of those meanings. But first, in the news, we talk about how technology is changing the road ahead (literally!) and what that means as an investor. Check out the full show notes for this episode by clicking here.  ----more---- Take a look at what you can expect this show:  2:30 - In...

Did you know…? Looking at some crazy and random financial facts can be fun, interesting, and at times, even a bit confusing. Maybe you know where the stock market is now, but do you know what it looked like in the 1970s? What about the 1930s? We’ve come a long way, and it’s important to understand the facts of the past in order to know what to do in the present. Read more on this topic and see the...

We’ve been trained to believe that more is better but is that always true in the financial world? Having more than one advisor might seem like a great way to diversify your portfolio, but can it end up doing you more harm than good? This episode focuses on that topic to help you decide what will benefit you the most. To read more about this topic and see the show notes, click here.  ----more---- W...

The SECURE Act will bring several changes that may impact your retirement planning, and Nathan will go over four more of those provisions. This concludes our two-part series on the SECURE Act 2019. Full show notes:  https://thefinancialanswer.com/podcasts/understanding-the-secure-act-part-2/ ----more---- Confidence Corner 1:50 SECURE Act 2019 (continued) This is part two talking about the SECURE A...

Recently passed through the House, the SECURE Act has a lot of new retirement implications. You’ll want to hear the next two episodes of the podcast as we break down the act in a two-part series. We’ll cover what this might mean for your retirement plan.   Confidence Corner 1:34 All about the SECURE Act of 2019 First major retirement legislation since 2006. SECURE Act stands for “Setting Every Com...

 Presidents are known for leaving us with memorable quotes that live on for decades after they’ve left office. On today’s show, we’ll take a look at some famous presidential quotes and see what financial planning lessons we can extract. And in current events, Nathan will take stock in how the market is currently performing (pun intended).  Full show notes here:  https://thefinancialanswer.com/podc...

There are lots of theories and techniques that no matter what, just doesn’t work. On the podcast today, Nathan will respond to some of these common ideas in the financial world (as well as a few fun ones outside of it). Have you tried any of these? Check out the full show notes of this episode:  https://thefinancialanswer.com/podcasts/stuff-that-doesnt-work/ ----more----    In The News 2:17 In the...

Today's Question: Making an assumption about something gets us into trouble (and makes a you-know-what out of you and me). How about common assumptions when it comes to retirement? Should we continue to believe them or look a bit deeper? Nathan talks us through these four retirement planning assumptions. Check out the full show notes for this episode:  https://thefinancialanswer.com/never-assume-i...

Today's Question: When you travel this summer, you’ll probably have a few things in mind as you go through the airport. On today’s show, Nathan will talk about the things you will also want to consider when traveling toward retirement and how it relates with some of the same experiences you have in the airport. We’ll also look at some of the latest headlines related to Required Minimum Distributio...

Click the link to receive your FREE Retirement Rescue Toolkit:  http://investorcoach.net/rrtools/ Click the link to read more from Nathan's Blog:  https://thefinancialanswer.com/podcasts/different-ways-you-might-respond-to-a-down-market/

Are you worried about withdrawing too much money from your accounts in retirement? Nathan explains the 4 Percent Rule and why it's been a proven strategy for determining retirement distributions. But first, join us as we unpack the latest headlines in the news. Click the link to receive your FREE Retirement Rescue Toolkit:  http://investorcoach.net/rrtools/ Click the link to read more from Nathan'...

As we get closer to summer, many people start planning their vacations. But what if we planned for retirement as well as we planned for vacation? Today, we’ll talk through a few ways that planning for retirement is actually a lot like planning for a vacation. We'll also consider whether the United States is happy. Click the link to receive your FREE Retirement Rescue Toolkit:  http://investorcoach...

A recent fishing trip prompts Nathan to consider how fly fishing is somewhat similar to retirement planning. Later on, learn why so many retirees lack confidence as they enter retirement. We'll discuss the importance of spending with confidence. Click the link to receive your FREE Retirement Rescue Toolkit:  http://investorcoach.net/rrtools/ Click the link to read more from Nathan's Blog:  https:/...

Are your adult children still expecting an allowance? Will your ideal retirement age coincide with your child’s college graduation? What kind of legacy do you want to leave?    Your children and grandchildren play a huge part in your financial planning for the future. In this podcast, we’ll talk about four areas that you should consider when it comes to your finances as it relates to future genera...

Join us as we unpack the market's movement in 2019, learn about the Russell 2000 Index, and take a question from Roger on dividend-paying stocks. Click the link to receive your FREE Retirement Rescue Toolkit:  http://investorcoach.net/rrtools/ Click the link to read more from Nathan's Blog:  https://thefinancialanswer.com/podcasts/a-curious-email-teaches-us-about-dividend-paying-stocks/

You might not expect it, but these celebrities bring unlikely wisdom when it comes to your finances. Have you heard these quotes? Click the link to receive your FREE Retirement Rescue Toolkit:  http://investorcoach.net/rrtools/ Click the link to read more from Nathan's Blog:  https://thefinancialanswer.com/podcasts/unlikely-wisdom-when-it-comes-to-your-finances/

Retirement is sometimes considered one of the most stressful things in life. How you handle that stress as you face retirement will make all the difference in your experience. Click the link to receive your FREE Retirement Rescue Toolkit:  http://investorcoach.net/rrtools/ Click the link to read more from Nathan's Blog:  https://thefinancialanswer.com/podcasts/how-to-manage-the-stress-of-retiremen...

Maybe you’ve planned well for retirement with the exception of this “one thing” that could derail your plans. Ensure nothing throws off your retirement by preparing for these five things when it comes to saving for retirement. Click the link to receive your FREE Retirement Rescue Toolkit:  http://investorcoach.net/rrtools/ Click the link to read more from Nathan's Blog:  https://thefinancialanswer...

Let’s talk about times when our money is lazy and how we can better put it to work. We’ll explain our definition of lazy money, why people have it (and maybe have too much of it), and how we can make better use of it. Click the link to receive your FREE Retirement Rescue Toolkit:  http://investorcoach.net/rrtools/ Click the link to read more from Nathan's Blog:  https://thefinancialanswer.com/podc...

 Last week we began a two-part series outlining the questions you should be asking but probably aren't as you approach retirement. In part two, we'll examine the controversial topic of life insurance. Some see life insurance as an income replacement, and others view it as a way to leave a legacy. Others still argue it just makes insurance companies wealthier. Join us as we challenge you to conside...

As you begin to think about retirement, you probably have all sorts of questions. After all, if you have yet to begin that retirement journey, you're probably overwhelmed at the thought of starting the process. While questions about income planning and long-term care are rather common, there are other questions you might not have considered as you begin to plan. Join us as we begin a two-part seri...

Let's think of your financial advisor as your financial therapist. We'll discuss some scenarios where it’s almost inevitable that a talk with your advisor seem like a counseling session. Perhaps it would help to reflect on what financial wisdom your grandmother shared with you. Maybe your financial therapist can help you with your 401(k) mistakes.