Success in retirement requires maintaining the standard of living you are accustomed to living as long as you are alive. Granted, that standard will change as you age, but the trick is maintaining the opportunity for making financial decisions at retirement age with...
You can do three things with the money you make: spend it, save or invest it, or give it away. People who are wise with money tend to do all three and stick to a ratio that makes sense for their situation. The percentages you commit to each category can vary...
Life is filled with many tough choices and important decisions. Where do I attend college? Who am I going to marry? What am I going to do for my career? What's for dinner tonight? All these questions have consequences once the decision is made. One of the most...
Imagine for a moment that your working career is coming to an end, and retirement is on the horizon. What does that look like for you? Are you going to travel to exotic destinations, live in a golf course community, spend more time with the grandkids, volunteer in...
When would you want to know if you were heading on a road trip and something ahead created a challenge? Your answer likely depends upon the severity of the issue and the potential alternatives. What about significant issues at the moment that will be resolved by the...
The US legislature is required to raise revenue for bridges, armies, and social safety nets. The budget changes and the need for more income seem obvious. The tax code creates a rule book attempting to uncover the necessary revenue to run our country. Bear in mind...
Your Retirement Playbook with Joe Clark, CFP. Do your Retirement accounts need to be rebalanced? Rebalancing retirement accounts means selling from what did well and purchasing what did poorly the quarter before. We will discuss if you should and how to go about it in...
Your Retirement Playbook with Joe Clark, CFP. In this segment, we will cover: We think things are crucial to consider in your financial journey. You get one shot at retirement, and we are here to help you reduce financial regrets. Your Retirement Playbook” is an...
Your Retirement Playbook with Joe Clark, CFP. In this segment, we will cover: What does it look like when you begin to transfer from your working life to your life after work? You need to plan for how your taxes change and how you can be proactive. Your Retirement...
Separating from the workforce and living off your accumulated savings requires an organized and dedicated strategy. The new life of distributing your assets generates natural emotional responses. You have diligently saved and accumulated savings for the last 30-40...
Your Retirement Playbook with Joe Clark, CFP. In this segment we will cover: What can possibly go wrong?! The things that happen on your financial journey are similar to the struggles you will face in golf. Let's talk about your financial hazards. Your Retirement...
Your Retirement Playbook with Joe Clark, CFP. In this segment we will cover: What economic condition are we in today? Sure, the economic condition matters to help you decide what you need to do next in your financial planning, but what do I need to take into...
Your Retirement Playbook with Joe Clark, CFP. In this segment we will cover: How will drawdown impact your chances for success in retirement? You need to hear this episode of Your Retirement Playbook! Your Retirement Playbook” is an educational program designed to...
Your Retirement Playbook with Joe Clark, CFP. In this segment we will cover: Success is never dependent upon one thing, but failure can be. What does a failed retirement journey look like? Learn more on this episode of Your Retirement Playbook. Your Retirement...
Your Retirement Playbook with Joe Clark, CFP. In this segment we will cover: Whether you are a new retiree or a seasoned one, we often have the same concerns. The best way to avoid retirement mistakes often comes from having the best questions formulated. My advice...
Emotions play a role in many facets of life, and many of us experience several of them daily. You may experience pure joy and happiness when a child is born and anger when that child does something to upset you later in life. Everyday emotions play into our...
Consider This Program with Joe Clark, CFP and Jamie Burton. In this segment we will cover: There is no magical percentage of your income needed for a happy retirement. What is required is replacing 100% of the money for your standard of living. Call 800-928-4001 or...
Consider This Program with Joe Clark, CFP and Dean Huddleston. In this segment we will cover: It’s the 4th quarter in your life of work. In grade school, we were able to prepare for the big event. There is no greater event for most people than retirement or separating...
Consider This Program with Joe Clark, CFP and Dean Huddleston. In this segment we will cover: Your life after work is more than just saying goodbye to a paycheck from an employer. It is part art and part science. For example, how and when do you take social security?...
The Summer Olympics are here! We will take the easy shot and incorporate Olympic talking points into our article. Hey, we only get this chance once every four years. The goal of the Olympic games is for the athlete to wind up on the podium with a ribbon and a medal....
Imagine for a moment that your working career is coming to an end and retirement is on the horizon. What does that look like for you? Are you going to travel to exotic destinations, live in a golf course community, spend more time with the grandkids, volunteer in...
The initial motivation for accumulating assets was to provide future opportunities during an elusive and vague future known as retirement. Creating future choices was the name of the game. Everyone loves options, but few love making decisions. When saving for...
Any journey begins with a single step. Those words are particularly applicable to the retirement planning process. Unless we inherit wealth, most of us begin the retirement savings journey with a very modest sum. Although the terms “saving” and “investing” are often...
Consider This Program with Joe Clark, CFP, and Adam Harter, CFA. In this segment we will cover: Retirement "V" for Victory - Success has many definitions. Doing your best; trying your hardest; apparent success is the worst - this strategy "seems" to have worked for my...
Consider This Program with Joe Clark, CFP and Adam Harter, CFA. In this segment we will cover: Separating from the workforce is more than just a financial decision if you want to do it well. It is mental - what will you do with your time and energy for those of us...
Growing up, we all can remember either a parent or coach repeating the famous words, "Practice makes perfect." Or, "Better to be prepared." And although these words were easy to mock in our youth, they have aged well. They have aged so well we now pass the same...
Consider This Program with Joe Clark, CFP and co-host Grant Soliven. In this segment, we will cover: Life comes quickly and change happens. Sometimes by our own doing and sometimes for factors out of our control. (Health, economic slowdown, etc) This conversation...
Consider This Program with Joe Clark, CFP and Angi Kinser. In this segment, we will cover: In this episode learn why dividing your retirement savings into various investment categories is crucial to the overall success of your retirement. Learn how asset allocation...
Consider This Program with Joe Clark, CFP and Angi Kinser. In this segment, we will cover: In this episode learn why dividing your retirement savings into various investment categories is crucial to the overall success of your retirement. Learn how asset allocation...
Consider This Program with Joe Clark, CFP and Angi Kinser. In this segment we will cover: There are many strategies for a successful retirement, but also critical decisions that have to be made beforehand if they are going to work. Determining whether to draw Social...
Pulling money out of your accounts does not feel natural because you spent all your time putting that money in there. Another reason people do not pull money out of their accounts is that they don't need it! Lastly, there's a fear of running out of money. Those are...
Consider This Program with Joe Clark, CFP and Co-host Angi Kinser In this segment we will cover: What is a safe amount of money we can withdraw from our portfolio? If you are in your early sixties, you are looking at 3.2% that you can pull out with reasonable...
In this week’s episode, we will cover: The death of deferment End of year tax planning The questions you should ask yourself for tax planning What to consider at the end of your career Tips for giving a eulogy on Zoom Financial Tidbits “I use the Roth as a retirement...
Undoubtedly, there will be a point where we will exit. We will depart from the workforce, our tax-deferred retirement accounts, and ultimately from life. This five-week series will provide you insight into leaving behind your legacy. Legacy includes our assets, but it...
November 17th, 2020 Consider This Program with Joe Clark, CFP and Co-host Angi Kinser! In this week's episode, we will cover: -The crucial Death Tax Exemption and why it's easy to miss. -Is the death of your company also the death of your retirement savings? -Death,...
Overpaying fees and expenses an area of investing that requires dedicated focus. Twice last year, our firm changed ETF providers due to cost versus benefit. The reduction of fees does not guarantee outstanding performance, but unwarranted or necessary fees and...
Consider This Program (Live Stream) The theme for this episode is "Financial Mysteries and Myths"! In this episode we will cover: -The Magical Roth IRA -How Does Wall Street really get paid? -Insurance may have you throwing money out the window. -One wrong choice...