The MPowered Finance Podcast with Sid Misra, CFP®

Most people spend decades building their savings. But very few have a clear plan for how to actually use it. When retirement begins, your financial life shifts in one important way: your portfolio has to become your paycheck. And that’s where things get more complex than most people expect. In this video, we walk through the key retirement income decisions that shape: • How much you can safely wit...

Every fall, millions of people rush through open enrollment, clicking “keep last year’s choices” without realizing how much it can cost them. In this episode, I break down how to approach open enrollment strategically so your benefits actually support your life and financial goals. Whether it’s choosing between an HSA or FSA, reviewing health plan options, or making sure you’re not leaving money o...

Thinking about buying a home? Wondering if you need an estate plan? In this episode, I sit down with Ruma Mazumdar, Esq, founder of Key Esquire®, to demystify the legal side of real estate transactions and estate planning. We break down: ✅ What a real estate attorney actually does in NJ ✅ Why attorney review is essential—and not just a formality ✅ Common real estate contract traps (and how to a...

Should you lend money to family or friends? What if your partner disagrees? In this episode of Love, Marriage, and Finances, Sid Misra CFP® breaks down the emotional and financial risks of lending to loved ones—and how to navigate it as a couple. 💸 Lending money to family is common, but it’s also complicated. Studies show that 42% of people who lend to loved ones never get paid back. That can cre...

 Are the latest headlines about tariffs and market volatility making you nervous? You're not alone.  In this video, Certified Financial Planner™ professional Sid Misra breaks down what’s really happening with the recent market drop—and how smart financial planning helps you stay grounded during uncertain times. You'll learn:  ✔️ Why markets reacted to new tariffs ✔️ What rising inflation...

In this episode of Love, Marriage, and Finance, host Sid Misra CFP® sits down with Lindsay Heller, a Family Law Attorney at Fox Rothschild, to demystify prenuptial agreements and provide expert insights on this often misunderstood topic. 💡 Key Topics Covered: - What exactly is a prenuptial agreement and why might you need one? - The changing demographics of prenups - why they're becoming mor...

You can claim Social Security as young as age 62.  So why wait? Listen to this newest episode of Money Matters to find out why Gautam Misra waited until age 70 to claim his benefits. Learn what to consider when making your own claim as well as what Social Security misconceptions are totally wrong! Sid Misra, Certified Financial Planner™ Beacon Financial Group #money #wealth #investing #finance #mo...

Wondering if you need a prenuptial agreement? The surprising truth is that EVERYONE who gets married already has one - but it might not be the one you want! In this episode of Love, Marriage, and Finances, Certified Financial Planner Sid Misra breaks down everything you need to know about prenups. Learn why prenups aren't just for the wealthy and discover: ✅ Why your state's default div...

The Federal Reserve just cut interest rates by 0.5% - the first reduction since 2020!  Learn how this major economic decision impacts YOUR wallet, from mortgage rates to investment accounts.  In this video, Sid Misra- Certified Financial Planner, will breakdown: ✅ What the Federal Reserve actually does (in simple terms)  ✅ Why interest rates were so high to begin with  ✅ The real reasons behind...

In the first episode of our new series, Money Matters with Sid and Gautam Misra, we dive into the economy, stock market, and discuss wealth. This is an episode you won't want to miss! Sid Misra, Certified Financial Planner™ Beacon Financial Group #money #wealth #investing #finance #moneymanagement #personalfinance #retirement #retirementplanning #income #socialsecurity #medicare #taxes #401k...

Before students leave for college they MUST sign these 5 legal documents. Find out which ones in this video! Sid Misra, Certified Financial Planner™ Beacon Financial Group I'd be happy to have a brief conversation to discuss your needs and to see if we would be a good fit to work together Schedule an intro call with me: https://go.oncehub.com/SidMisra --- To learn more about me, please visit...

Join me for a very special episode of Love, Marriage, and Finances where I interview my dad, Gautam Misra. Gautam has been a financial advisor for over 30 years and a married man for 40 years, which makes him a great guest for the series! Learn his tips for merging love and money and hear his honest opinions on my/his son's finances! Sid Misra, Certified Financial Planner™ Beacon Financial Gr...

I had a big tax bill in April and I don't know why? Why did I owe money? Check out this episode to find out 5 reasons why you owed money and what you can do to prevent that going forward! Sid Misra, Certified Financial Planner™ Beacon Financial Group #money #wealth #investing #finance #moneymanagement #personalfinance #retirement #retirementplanning #income #socialsecurity #medicare #taxes #4...

Join me for this very special episode of Love, Marriage, and Finances where I interview the amazing Christine Luken , a Financial Dignity Coach and author of ""Money is Emotional: Prevent Your Heart from Hijacking Your Wallet." Christine has helped many individuals and couples take control of their finances while managing their emotions and their relationships. Hear about her own st...

Pre-tax vs Roth?  What is the difference and which one should I choose? Watch this video to find out! Sid Misra, Certified Financial Planner™ Beacon Financial Group #money #wealth #investing #finance #moneymanagement #personalfinance #retirement #retirementplanning #income #socialsecurity #medicare #taxes #401k #IRA #RothIRA #marriage #divorce #prenup #marriageadvice #family --- I'd be happy...

We've had important conversations around our money history and beliefs.  But how do we actually merge our finances together? Listen to this episode to find out! Sid Misra, Certified Financial Planner™ Beacon Financial Group #money #wealth #investing #finance #moneymanagement #personalfinance #retirement #retirementplanning #income #socialsecurity #medicare #taxes #401k #IRA #RothIRA #marriage...

Before you say "I Do", it's a good idea to make sure you and your partner are financially compatible. Are my partner and I financially compatible? Sid Misra, Certified Financial Planner™ Beacon Financial Group #money #wealth #investing #finance #moneymanagement #personalfinance #retirement #retirementplanning #income #socialsecurity #medicare #taxes #401k #IRA #RothIRA #marriage #di...

I recently met with a couple who have a sizeable nest egg.  One spouse believes they have enough to retire right now.  The other spouse thinks they need to keep working. Who is right? Sid Misra, Certified Financial Planner™ Beacon Financial Group #money #wealth #investing #finance #moneymanagement #personalfinance #retirement #retirementplanning #income #socialsecurity #medicare #taxes #401k #IRA...

Before you get married, you need to have discussions about money and more specifically, how you and your partner view and interact with it. Listen to this episode to learn how to have these important conversations, which will create transparency around money and your money beliefs! Sid Misra, Certified Financial Planner™ Beacon Financial Group #money #wealth #investing #finance #moneymanagement #p...

The questions you have about your finances require personal answers geared towards your specific situation. Make sure you are getting the answers you deserve, not just general information found online! Sid Misra, CFP Beacon Financial Group --- I'd be happy to have a brief conversation to discuss your needs and to see if we would be a good fit to work together Schedule an intro call with me: h...

In my "Ask a Financial Advisor" series, I answer questions sent in from my YouTube channel viewers, podcast listeners, newsletter readers, and the general public. Here is the most recent question I received: “I’m in my early 30s and making decent money.  I want to make sure I am setting myself up for success later on in life. How much should I be saving and investing to do this?" Li...

How do I actually retire? How do I go from earning an income to living off my nest eg Listen to this episode to find out! Sid Misra, CFP Beacon Financial Group --- I'd be happy to have a brief conversation to discuss your needs and to see if we would be a good fit to work together Schedule an intro call with me: https://go.oncehub.com/SidMisra --- To learn more about me, please visit my websi...

What are the most common money mistakes I see as a Financial Advisor?  Listen to this episode to find out! Sid Misra, CFP Beacon Financial Group --- I'd be happy to have a brief conversation to discuss your needs and to see if we would be a good fit to work together Schedule an intro call with me: https://go.oncehub.com/SidMisra --- To learn more about me, please visit my website: https://www...

There is a lot of noise about how you "should" be investing your money. Before you make any decisions, listen to this episode! Sid Misra, CFP Beacon Financial Group --- I'd be happy to have a brief conversation to discuss your needs and to see if we would be a good fit to work together Schedule an intro call with me: https://go.oncehub.com/SidMisra --- To learn more about me, please...

Aretha Franklin made a big mistake with her estate planning. Don't make the same one! Sid Misra, CFP Beacon Financial Group --- I'd be happy to have a brief conversation to discuss your needs and to see if we would be a good fit to work together Schedule an intro call with me: https://go.oncehub.com/SidMisra --- To learn more about me, please visit my website: https://www.sidmisra.net/ -...