The Life & Finances Together Podcast

Welcome to the Life and Finances Together Podcast brought to you by the team at Rinvelt & David. We’re here to discuss the financial topics that mean the most to you with the signature candor, humor, and expertise that Roger David and Jacob Rinvelt have come to be known for among our clients and friends. Our hosts will also connect you with area experts and charitable organizations to talk about e...

Required Minimum Distributions (RMDs) just got a whole lot more complicated. Thanks to the SECURE Act 1.0 & 2.0, there are major changes to RMD ages, inherited IRA rules, Roth distributions, and more—and the penalties for getting it wrong can be steep. In this episode, Roger and Jake explain: How RMDs work under SECURE Act 2.0 (including new ages: 73 & 75) The 3 types of IRA beneficiaries (EDB, NE...

Cash flow isn’t just budgeting — it’s the foundation of every meaningful financial plan. In this episode, we dive into why understanding your spending patterns, adjusting for inflation, and preparing for life’s curveballs are key to long-term financial stability. From everyday expenses to healthcare costs, we explore how detailed cash flow planning can help align your lifestyle with your values. T...

Are you planning for retirement? Avoid these 5 critical mistakes that could derail your financial future. In this episode, we cover: How the Sequence of Returns can make or break your retirement income Why market timing often leads to disaster The importance of cash flow planning in early retirement How emotions can sabotage investment performance What realistic return expectations should actually...

In this episode, Roger is joined by Brian and Derek Boer of Boer Insurance Group. Together they explore the evolving landscape of risk and liability that today's homeowners face – and how insurance products like title insurance, identity theft protection, and umbrella policies fit into the picture. Their discussion spans real-world examples of unexpected lawsuits - from contractors falling off lad...

Are you planning for retirement? Avoid these 5 critical mistakes that could derail your financial future. In this episode, we cover: How the Sequence of Returns can make or break your retirement income Why market timing often leads to disaster The importance of cash flow planning in early retirement How emotions can sabotage investment performance What realistic return expectations should actually...

Navigating your 401(k) options can be overwhelming: whether you're changing jobs, nearing retirement, or optimizing your investment strategy. In this episode, our financial professionals Roger and Jake break down the essentials of 401(k) rollovers to help you make informed decisions about your retirement savings. They cover the key differences between direct and indirect rollovers, potential tax i...

In this enlightening episode, our financial experts Roger and Jake dive into one of the most frequently asked questions in retirement planning: "When should I take Social Security?" Whether you're considering early retirement, planning to delay, or unsure of what makes the most sense for your financial situation, this episode is packed with valuable insights to help guide your decision. You've spe...

In this episode of the Life & Finances Together podcast, our financial professionals Roger and Jake dive deep into smart retirement income planning, helping you assess your retirement savings, optimize your investment strategy, and create a secure financial future. Discover expert tips on maximizing your 401(k), IRA, Social Security benefits, and more to help ensure you achieve the retirement life...

On this episode, we invite you to learn more about the Rinvelt & David Difference as we feature a very special guest who will share with Roger and with you how they experience the Rinvelt & David Difference in their life and in their finances. We're honored to begin this special series with Robin & Mark's story.

This episode features Roger and Jake explaining the basics about all 4 types of Medicare enrollment and what you need to be aware of to ensure that your coverage matches your needs.

On this episode of the Life & Finance Together podcast, you'll hear from Roger and Jake about a very important subject here at our firm - beneficiary planning. We care deeply about ensuring that your beneficiaries are documented accurately and reviewed often so your financial goals and plans are met even after you're gone.

This episode features Roger and Jake explaining the basics about all 4 types of Medicare enrollment and what you need to be aware of and watch for to ensure that your coverage matches your needs.

In this episode of the Life & Finances Together Podcast, Roger and Jake break down the meaning of risk-adjusted return and how it relates to financial planning.

In this episode, Roger and Kent County Toys for Tots representative Jeff DeJonge talk about Jeff's 27-year history with the organization, the impact Toys for Tots has had on Kent County, and how we can help share in the season of giving.

In this episode, Roger talks with Bob Golm, a 40-year veteran of the insurance industry, about coverage considerations, Medicare, and more!

In this episode of the Life & Finances Together Podcast, Roger and Jake address some of the things that investors could miss when deciding to do a Roth conversion and why it's so important to do the math.

In this episode Roger talks about all things P&C insurance with the Insurance Twins from Boer Insurance. They address everything from common mistakes with homeowners and auto insurance to the changes in roofing coverage that may require you to save more for that repair or replacement. They have a lot of excellent information to share!

In this episode, Roger speaks with special guests Wendy Wigger and Shawn Campbell of Gilda's Club Grand Rapids, about this special organization and opportunities to learn more about all of their free programming!

In this episode of the Life & Finances Together podcast, Roger shares the math behind the S&P 500 index and talks about what to listen for when you hear it mentioned in the news.

In this episode, Roger speaks with special guest Caitlin Hopkins about D.A. Blodgett St. John's, one of our partners in the community, about their history, recent donation drive, and their upcoming holiday event, Wrapped in Hope. Rinvelt & David LLC is an affiliate of Bluespring Wealth Partners LLC, a wholly owned subsidiary of Kestra Holdings, Inc. Securities offered through Kestra Investment Ser...

In this episode, Roger and Jake talk about three of the most popular financial questions that they get asked and the way they tackle these key topics. Find out about Doing The Math, Stress Tests, and Medical Armageddon! Rinvelt & David LLC is an affiliate of Bluespring Wealth Partners LLC, a wholly owned subsidiary of Kestra Holdings, Inc. Securities offered through Kestra Investment Services, LLC...

In this episode of the Life & Finances Together Podcast, Roger and Jake discuss their recent recognition as one of the fastest growing firms in the nation, how new folks find them, and what makes the Rinvelt & David process work for so many.

In this episode of the Life & Finances Together podcast, Roger and Jake discuss favorite memories, motivators, and making an elevator pitch about the firm. Who gave a faster pitch? Listen and find out!

In our very first podcast, financial professionals Roger and Jake discuss their backgrounds and how they got into the industry as well as their favorite parts of their jobs.