Excel in Retirement
193 episodes - English - Latest episode: 6 days ago -Where financial planning becomes understandable. David brings interesting stories each week to listeners of his Excel in Retirement show along with actionable ideas that may help listeners avoid pitfalls that many people face in their retirement. David C. Treece began his career in the financial services industry in 2011. He is an independent financial adviser. He has passed the Series 65 securities exam, and he is health and life insurance licensed in several states. David’s financial advisory firm focuses on retirement income planning.David worked for two other financial advisors before founding his firm in 2018. David launched Clients Excel because he has a desire for his clients to have a second to none experience when it comes to their financial planning for retirement. David relentlessly strives to be the best at helping people prepare for retirement.The bedrock of David’s ethos is treating others as he would want to be treated.David works tirelessly to continually bring pertinent content to our clients and friends through our weekly newsletter and podcast. Through these, David brings informative content that may aid you in preparing for retirement. Through his financial planning work, David’s hope is that his clients are empowered to have a confident financial future.David and his wife, Mallory, have a daughter named Amelia and rescue dog named Oscar. They also have a backyard flock of chickens that Amelia loves to tend. David and his family are active in their church in Spartanburg. He is also a volunteer mentor with JumpStart, which is a ministry for people who have been recently released from prison.
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Episodes
Buffett Indicator At An Alarming Ratio Show 47
April 21, 2021 09:00 - 11 minutes - 8.19 MBWarren Buffett, the famous stock market investor and billionaire, developed a stock market indicator that came to be known as the “Buffett Indicator.” From Carmen Ang a writer at the website Visual Capitalist said, “This ratio, now commonly known as the Buffett Indicator, compares the size of the stock market to that of the economy. A high ratio indicates an overvalued market—and as of February 11, 2021, the ratio has reached all-time highs, indicating that the U.S. stock market is currentl...
Bitcoin Up Over 107% YTD Show 46
April 14, 2021 09:00 - 13 minutes - 9.3 MBBitcoin is up 107.27% this year according the Morning Brew newsletter on Monday. I’m frequently asked about cryptocurrency and what I think about it. I’ll briefly share what it is and what I think about in this show. If you’ve thought about bitcoin or considered buying it was probably because somebody you knew bought bitcoin. Cryptocurrency holders tend to be raving evangelist for it. It inspires enthusiasm. Recently, I read a Kiplinger article titled What to Make of Bitcoin. The article...
An Investor Pitfall Show 45
April 07, 2021 09:00 - 12 minutes - 8.87 MBThis show begins with a confession. You may have heard before that “Confession is good for the soul.” Well, I have a confession. Historically, I’ve been a curmudgeon when it comes to holidays. It started sometime in adolescence. I continue this story before jumping into a recent study. Dalbar is a large financial services market research firm and creates reports on investor behavior. For the last 27 years they have released a yearly study titled “Quantitative Analysis of Investor Behavior ...
"Get Your Life Back" Book Review Show 44
March 31, 2021 09:00 - 13 minutes - 9.32 MBI make it a point to read every day. Someone once said, “You will be the same person in five years as you are today except for the people you meet and the books you read.” Reading is important for a myriad of reasons. Sometimes something really cool happens: I run across a book and it teaches me ideas that are life changing. I want to share a book like that with you and offer to send you complimentary copy. A friend and I were having coffee in January and he recommended that I read a rece...
Waiting To Prepare For Retirement? Podcast 43
March 24, 2021 09:00 - 11 minutes - 7.92 MBA challenge I’ve seen people face is figuring out how to begin transitioning their finances for retirement. This may be especially difficult for some people because of the stock market’s upward momentum. It’s hard to know when enough is enough or how to scale back your portfolio risk level when times are good in the market. As bonds have increasingly paid less and less, this becomes even more problematic because we’re seeing portfolios completely constructed with equities. What that means i...
Is the 1999 Tech Bubble Happening Again? Show 42
March 17, 2021 09:00 - 15 minutes - 10.9 MBOne the asset managers we use recently released his market commentary. His name is Geremy van Arkel, and he’s a Chartered Financial Analyst with Frontier Asset Management. He states in his writing, “There are so many similarities between what is happening now and what took place in 1999 that is uncanny.” Geremy continued, “First off, 1999 occurred following a long and extended bull market. Ten years into that bull market, the obvious leaders of the day were known, and investors couldn’t get...
Is the 1999 Tech Bubble Happening Again? Show 42
March 17, 2021 09:00 - 15 minutes - 10.9 MBOne the asset managers we use recently released his market commentary. His name is Geremy van Arkel, and he’s a Chartered Financial Analyst with Frontier Asset Management. He states in his writing, “There are so many similarities between what is happening now and what took place in 1999 that is uncanny.” Geremy continued, “First off, 1999 occurred following a long and extended bull market. Ten years into that bull market, the obvious leaders of the day were known, and investors couldn’t get...
Is the Stock Market in Bubble Territory? Show 41
March 10, 2021 10:00 - 15 minutes - 10.7 MBIn this show, David begins by telling a story about his daughter's first dentist appointment. He demonstrates what working with our financial planning firm is like. And he finishes the show by talking about a recent article that discuss the current financial bubble economy. From our weekly newsletter, "Do you remember the first time you went to the dentist? My three-year-old daughter, Amelia, had her first dentist appointment last week. Mallory and I tried to coach her on what to expect,...
Is the Stock Market in Bubble Territory? Show 41
March 10, 2021 10:00 - 15 minutes - 10.7 MBIn this show, David begins by telling a story about his daughter's first dentist appointment. He demonstrates what working with our financial planning firm is like. And he finishes the show by talking about a recent article that discuss the current financial bubble economy. From our weekly newsletter, "Do you remember the first time you went to the dentist? My three-year-old daughter, Amelia, had her first dentist appointment last week. Mallory and I tried to coach her on what to expect,...
Market commentators are growing leery Show 40
March 03, 2021 10:00 - 14 minutes - 9.69 MBNow is the time to have a plan in place. The market is hitting highs for no explainable reason, Congress is promising $1,400 stimulus checks, and we have ultra-low interest rates. Market commentators are growing increasingly leery of how this may turn out. Tom Siomades heads the investment division of AE Wealth Management. In a recent letter he wrote, “Now we have a $1.9 trillion stimulus moving through Congress that is meant to address and redress many of the problems those policy mistakes...
Market commentators are growing leery Show 40
March 03, 2021 10:00 - 14 minutes - 9.69 MBNow is the time to have a plan in place. The market is hitting highs for no explainable reason, Congress is promising $1,400 stimulus checks, and we have ultra-low interest rates. Market commentators are growing increasingly leery of how this may turn out. Tom Siomades heads the investment division of AE Wealth Management. In a recent letter he wrote, “Now we have a $1.9 trillion stimulus moving through Congress that is meant to address and redress many of the problems those policy mistakes...
Are You In A Perfect Storm Show 39
February 24, 2021 10:00 - 10 minutes - 7.47 MBDid you see the movie the Perfect Storm? I remember watching it in the movie theater. A crew on a ship are stuck out in the ocean when two major storms come together to form a “perfect storm.” The look of horror on George Clooney's and Mark Wahlberg’s faces told it all. At one point in the movie huge waves are collapsing on the vessel from both sides. Seeing it on a big screen makes a scene come to life. It was like I was right there as the two storms collided. Did you realize that two area...
Are You In A Perfect Storm Show 39
February 24, 2021 10:00 - 10 minutes - 7.47 MBDid you see the movie the Perfect Storm? I remember watching it in the movie theater. A crew on a ship are stuck out in the ocean when two major storms come together to form a “perfect storm.” The look of horror on George Clooney's and Mark Wahlberg’s faces told it all. At one point in the movie huge waves are collapsing on the vessel from both sides. Seeing it on a big screen makes a scene come to life. It was like I was right there as the two storms collided. Did you realize that two area...
Fiduciary Investment Advisors, Who Are They? Show 38
February 17, 2021 10:00 - 14 minutes - 10.2 MBIn financial services there’s confusion around what a “fiduciary” is. I’ll explain what a fiduciary is here without all the jargon. The definition was first placed into law a few years after the Great Depression. The government codified laws to guard against another financial crisis. The SEC highlights the duty of care and the duty of loyalty. The loyalty part means that the adviser should not put his interest ahead of yours, and to disclose any conflicts of interest. The SEC doesn’t sa...
Good Samaritans Still Exist Show 37
February 10, 2021 10:00 - 14 minutes - 9.88 MBDavid begins this show by sharing a story about a young lady who was involved in an auto accident. Fortunately, a good Samaritan came by and freed her from her car before it burst in to flames. The two are later connected. David shares the details of how it unfolded. David then discuss an article CNBC published an article last year titled, The Fed is buying some of the biggest companies’ bonds, raising questions over why. The points the article covered are: The Federal Reserve is continui...
GameStop And What A Billionaire Is Doing With His Money Show 36
February 03, 2021 10:00 - 12 minutes - 8.72 MBThe stock market was front and center in the news and on our social media feeds over the last week. Maybe you were confused by what was going on with GameStop, like some people who called me to ask for an explanation. I’ll break it down in simple terms. A hedge fund noticed that GameStop has been in decline for years and saw an opportunity to buy an option. The hedge fund was betting that GameStop would continue to struggle and they bought options accordingly. Well, a website where people...
A lesson dad taught me Show 35
January 27, 2021 10:00 - 12 minutes - 8.53 MBWhat will happen with the economy? Will President Biden and Democrats raise taxes? How will this impact my retirement savings? These are questions I’m hearing when I’m talking with people about their life savings, and they’re all merited. I think it’s fair to say that many of us have never experienced this much uncertainty. I’m as worried as the next person about what will ultimately happen to America, but when people ask me the questions above, I have good news for them. Some of our...
DIY Investing Pitfalls and Social Security Updates Show 34
January 20, 2021 10:00 - 14 minutes - 10.3 MBIt’s no exaggeration that before we bought our house, we looked at least thirty houses. Yes, the housing market was competitive, but we looked at all kinds of houses then we finally began narrowing our needs and desires down. Finally, after months of deliberation and prayer, we bought our house. We spent copious amounts of time on our house buying decision and we should have. It’s one of the largest financial decisions most of us make. But then many of us work 25 to 40 years saving ...
DIY Investing Pitfalls and Social Security Updates Show 34
January 20, 2021 10:00 - 14 minutes - 10.3 MBIt’s no exaggeration that before we bought our house, we looked at least thirty houses. Yes, the housing market was competitive, but we looked at all kinds of houses then we finally began narrowing our needs and desires down. Finally, after months of deliberation and prayer, we bought our house. We spent copious amounts of time on our house buying decision and we should have. It’s one of the largest financial decisions most of us make. But then many of us work 25 to 40 years saving ...
What is Estate Planning with attorney Robert Merting Show 33
January 13, 2021 10:00 - 39 minutes - 27 MBSome of our long-time readers may recall that we frequently hosted in person seminars. We had an ambitious calendar of events planned for 2020, but that all came to a halt early last year. One of the seminars I had hoped to conduct was one with an elder law attorney to go over the ins and outs of estate planning. Obviously, we couldn't do that, but I wanted to find a solution... Instead of asking you to attend an in-person seminar or watch a webinar online, I interviewed attorney Robert Me...
What is Estate Planning with attorney Robert Merting Show 33
January 13, 2021 10:00 - 39 minutes - 27 MBSome of our long-time readers may recall that we frequently hosted in person seminars. We had an ambitious calendar of events planned for 2020, but that all came to a halt early last year. One of the seminars I had hoped to conduct was one with an elder law attorney to go over the ins and outs of estate planning. Obviously, we couldn't do that, but I wanted to find a solution... Instead of asking you to attend an in-person seminar or watch a webinar online, I interviewed attorney Robert Me...
5 Goals for Retirees in 2021 Show 32
January 06, 2021 10:00 - 14 minutes - 10.2 MBOver the weekend the Wall Street Journal ran article entitled, For New Year’s Resolutions, Never Think You’re Too Old to Become a Beginner. New Year’s resolutions tend to get a bad reputation. I like to think of them as goals rather than resolutions. The word resolution carries more of a symbolic meaning, and the word goal carries more of striving context. Goals are more practical and applicable. Sure, we can write 2020 off, but let’s face it: sometimes our goals don’t even come to fru...
What Rich People Are Doing Show 31
December 30, 2020 10:00 - 14 minutes - 10.1 MBBloomberg recently ran an article that read, Rich Americans Who Fear Higher Taxes Hurry to Move Money Now. From the Social Security Administration’s website, “Currently, the Social Security Board of Trustees projects program costs to rise by 2035 so that taxes will be enough to pay for only 75% of scheduled benefits. This increase in cost results from population aging, not because we are living longer, but because birth rates dropped from three to two children per woman.” From NPR articl...
What Rich People Are Doing Show 31
December 30, 2020 10:00 - 14 minutes - 10.1 MBBloomberg recently ran an article that read, Rich Americans Who Fear Higher Taxes Hurry to Move Money Now. From the Social Security Administration’s website, “Currently, the Social Security Board of Trustees projects program costs to rise by 2035 so that taxes will be enough to pay for only 75% of scheduled benefits. This increase in cost results from population aging, not because we are living longer, but because birth rates dropped from three to two children per woman.” From NPR articl...
Am I gonna be ok? Show 30
December 23, 2020 10:00 - 10 minutes - 7.33 MBWhat I’ve found is when most people come to me, they are looking for assurance that they’ll be okay. Most people don’t state it quite like that, but that’s the underlying concern that they have. It’s merited. We all want to know what to expect or how to prepare. And if we’re not asking these questions, we may have issues down the road of life. The next question clients have for me is, “How can you help me have greater financial peace of mind?” Again, they don’t say it quite like that, but I...
Am I gonna be ok? Show 30
December 23, 2020 10:00 - 10 minutes - 7.33 MBWhat I’ve found is when most people come to me, they are looking for assurance that they’ll be okay. Most people don’t state it quite like that, but that’s the underlying concern that they have. It’s merited. We all want to know what to expect or how to prepare. And if we’re not asking these questions, we may have issues down the road of life. The next question clients have for me is, “How can you help me have greater financial peace of mind?” Again, they don’t say it quite like that, but I...
New Update Available Show 29
December 09, 2020 10:00 - 12 minutes - 8.76 MBIt’s fascinating to me that in our day of high speed innovation, how we invest is slow to innovate. Modern Portfolio Theory was developed years ago and it’s broken. Harry Markowitz developed MPT in 1952 and won a Nobel Peace Prize for it. Investopedia.com states, “Modern portfolio theory (MPT) is a theory on how risk-averse investors can construct portfolios to maximize expected return based on a given level of market risk. Leland B. Hevner in an article states, MPT dictates that portfolio...
New Update Available Show 29
December 09, 2020 10:00 - 12 minutes - 8.76 MBIt’s fascinating to me that in our day of high speed innovation, how we invest is slow to innovate. Modern Portfolio Theory was developed years ago and it’s broken. Harry Markowitz developed MPT in 1952 and won a Nobel Peace Prize for it. Investopedia.com states, “Modern portfolio theory (MPT) is a theory on how risk-averse investors can construct portfolios to maximize expected return based on a given level of market risk. Leland B. Hevner in an article states, MPT dictates that portfolio...
Will Biden Raise Taxes? Show 28
December 02, 2020 10:00 - 22 minutes - 15.3 MBThere’s a lot of chatter about what will happen politically right now. One side of the political spectrum says the election is settled. The other side says Trump’s pleas of election fraud are warranted. No matter where you stand on the question, the most important thing you can do when it comes to your retirement planning is plan for the worst and hope for the best. The biggest question for many people is “Do you think tax rates will be lower or higher for you in the future? If you’re l...
Will Biden Raise Taxes? Show 28
December 02, 2020 10:00 - 22 minutes - 15.3 MBThere’s a lot of chatter about what will happen politically right now. One side of the political spectrum says the election is settled. The other side says Trump’s pleas of election fraud are warranted. No matter where you stand on the question, the most important thing you can do when it comes to your retirement planning is plan for the worst and hope for the best. The biggest question for many people is “Do you think tax rates will be lower or higher for you in the future? If you’re l...
What To Look For In A Financial Advisor Show 27
November 25, 2020 14:00 - 24 minutes - 16.6 MBDavid further expands on our Empowering Women in Retirement topic. He discusses the 3 legged stool of retirement planning and expands on practical approaches we can all take in our financial planning. He also shares what to look for in a financial advisor. He expands and explains each of these points. 5 Criteria for a Financial Advisor • Listen • Open and honest • Respond in a timely manner • Speak clearly • Create a written retirement plan and review regularl...
Empowering Women in Retirement Show 26
November 18, 2020 10:00 - 23 minutes - 16.3 MBDid you know that 90% of all women will eventually be solely in charge of household finances? Unfortunately, that can also be very scary for some. To me this was very exciting. I try very hard to empower women around me when it comes to financial planning. One of the reasons I wanted to do the podcast this week is because, based on a recent survey, it was found that only 20% of women feel very well prepared to make wise financial decisions. If 90% of women are going to be solely in cha...
Empowering Women in Retirement Show 26
November 18, 2020 10:00 - 23 minutes - 16.3 MBDid you know that 90% of all women will eventually be solely in charge of household finances? Unfortunately, that can also be very scary for some. To me this was very exciting. I try very hard to empower women around me when it comes to financial planning. One of the reasons I wanted to do the podcast this week is because, based on a recent survey, it was found that only 20% of women feel very well prepared to make wise financial decisions. If 90% of women are going to be solely in cha...
Avoid The Penalty For Withdrawing Your 401k Before 59.5 Show 25
November 11, 2020 10:00 - 19 minutes - 13.1 MBOn this show David cover three segments. First, he goes over some current events, then he covers a behavioral finances study then we conclude by going over what the exceptions are to withdrawing money from your IRA early are. Remember, if you’re younger than 59.5 years old if you take money out of your tax-deferred plan like your 401k you’ll be penalized in most cases. We’ll go over what the exceptions to that rule are. Next week, our show will be geared towards women and what they face in...
Likely Outcomes for a Trump / Biden Administration - Show 24
November 04, 2020 10:00 - 21 minutes - 14.6 MBWhat will happen to the national debt under a Trump or Biden presidential administration? David outlines possible outcomes and what that could mean for your retirement assets. Also, he discusses what happened last week in the markets. Everything sold off including bonds and gold. He tells listeners what they may be able to do to hedge against this issue. Also, he discuss what Nobel Prize winning economist Robert Shiller has recently found. Shiller's Crash Confidence Index is measured bas...
Likely Outcomes for a Trump / Biden Administration - Show 24
November 04, 2020 10:00 - 21 minutes - 14.6 MBWhat will happen to the national debt under a Trump or Biden presidential administration? David outlines possible outcomes and what that could mean for your retirement assets. Also, he discusses what happened last week in the markets. Everything sold off including bonds and gold. He tells listeners what they may be able to do to hedge against this issue. Also, he discuss what Nobel Prize winning economist Robert Shiller has recently found. Shiller's Crash Confidence Index is measured bas...
Bonds Bonds Bonds and How To Properly Use the Stock Market Show 23
October 28, 2020 09:00 - 18 minutes - 12.5 MBAre you still using the outdated antiquated 60% equities / 40% bonds portfolio allocation? That rule originated in the mid 1990s when bonds were paying 6% to 7%. That’s not the case anymore. With interest rates hovering near zero, the 60/40 rule is broken. Many bonds are not even keeping up with inflation, so using bonds may be problematic. Couple this with the new reality that corporate bankruptcies are piling up due to Covid-19. From the Financial Post: “Bankruptcy filings are surging ...
Election 2020 Analysis - Should you Convert to a Roth IRA - What EVERY Retirement Plan Needs - Show 22
October 21, 2020 09:00 - 37 minutes - 26 MBIn this show David Treece, a financial adviser, shares with you his election analysis and explains how COVID-19 has impacted this election. He explains how this election may affect you and your retirement. David also shares how we build all weather financial plans at Clients Excel that are built to withstand market volatility. Also, he shares with listeners reasons why you may want to consider a Roth IRA conversion and why some people probably don't need to consider a Roth conversion. David ...
Election 2020 Analysis - Should you Convert to a Roth IRA - What EVERY Retirement Plan Needs - Show 22
October 21, 2020 09:00 - 37 minutes - 26 MBIn this show David Treece, a financial adviser, shares with you his election analysis and explains how COVID-19 has impacted this election. He explains how this election may affect you and your retirement. David also shares how we build all weather financial plans at Clients Excel that are built to withstand market volatility. Also, he shares with listeners reasons why you may want to consider a Roth IRA conversion and why some people probably don't need to consider a Roth conversion. David ...
Election Consequences For Our Retirement Savings Show 21
October 14, 2020 09:00 - 17 minutes - 12.3 MBDavid Treece shares some potential consequences to this year’s presidential election. And he shares with you a new investment idea that our clients have been enjoying! "You know, I believe the economy is better off with competition. We don’t have to look hard to see enterprises, companies or government entities that have a monopoly. In fact, sometimes the government will intervene and break companies up when they become too big. But what tends to happen when one organization has the corner...
Eliminate Banks! Show 20
October 07, 2020 09:00 - 26 minutes - 18.4 MBDavid is joined by Sarry Ibrahim to discuss how to eliminate using banks for loans. The bank on yourself concept uses Nelson Nash's Infinite Banking strategy to create your on personal bank. This idea utilizes permanent life insurance to create your personal bank. Permanent life insurance has couple living benefits, and when properly structured this strategy can allow you to simultaneously use your dollars for more than one thing. If you've ever wanted to leverage your assets this episode is...
Different Types of Fixed Indexed Annuities, Show 19
September 30, 2020 09:00 - 19 minutes - 13.6 MBDo you know the two types of Fixed Indexed Annuities? There are income annuities and accumulation annuities. David breaks them down into these two categories, but of course there may be some overlap with them. But generally speaking, these are the types. Accumulation focused fixed indexed annuities do not guarantee a rate of return. You’re participating the growth of an index but you’re not invested directly in the stock market. So, you cannot lose money if the market goes down. If the mar...
Do You Need A Second Opinion On Your Financial Plan, Show 18
September 22, 2020 09:00 - 24 minutes - 16.6 MBHave you ever wondered if your financial plan could use a second opinion? On this show David goes over reasons why it may good idea. He gives a list of reasons that you can immediately apply to determine if you should get a second opinion. David begins by telling a story about how he got a second opinion one time and the impact it had in his life. Also, he mentioned some blue blocking glasses he's using and a Harvard study about them. Check out the links to those below. Then he finishes th...
Do You Need A Second Opinion On Your Financial Plan? -Show 18
September 22, 2020 09:00 - 24 minutes - 16.6 MBHave you ever wondered if your financial plan could use a second opinion? On this show David goes over reasons why it may good idea. He gives a list of reasons that you can immediately apply to determine if you should get a second opinion. David begins by telling a story about how he got a second opinion one time and the impact it had in his life. Also, he mentioned some blue blocking glasses he's using and a Harvard study about them. Check out the links to those below. Then he finishes th...
Mutual Funds & ETFs What's the difference? Show 17
September 16, 2020 09:00 - 21 minutes - 15.1 MBIf you have a 401k, then you probably own mutual funds. Maybe you own ETFs too. But do you know what they really are? David's found most people who own them but don't really understand how they work. If you'd like to have a better understanding of both of these investments then this show is for you. David takes you on a short journey that starts with when these funds were created and explains how they evolved. At the end of the show, David gives a strong warning about tax-deferred accounts t...
Mutual Funds & ETFs What's the difference?
September 16, 2020 09:00 - 21 minutes - 15.1 MBIf you have a 401k, then you probably own mutual funds. Maybe you own ETFs too. But do you know what they really are? David's found most people who own them but don't really understand how they work. If you'd like to have a better understanding of both of these investments then this show is for you. David takes you on a short journey that starts with when these funds were created and explains how they evolved. At the end of the show, David gives a strong warning about tax-deferred accounts t...
What To Do When The Stock Market Is Crashing
September 09, 2020 09:00 - 21 minutes - 14.7 MBThis week David expands on last week's show where he talked about using a fixed indexed annuity for the bond portion of your allocation. This week he talks about how we have helped some of our clients allocate the equity portion their money. We believe it’s important in retirement to be downside focused first. And it’s important to be nimble in your equity approach, because the dynamics may quickly change. Those who are positioned to adapt to rapid change often come out on top. David explain...
What To Do When The Stock Market Is Crashing - Show 16
September 09, 2020 09:00 - 21 minutes - 14.7 MBThis week David expands on last week's show where he talked about using a fixed indexed annuity for the bond portion of your allocation. This week he talks about how we have helped some of our clients allocate the equity portion their money. We believe it’s important in retirement to be downside focused first. And it’s important to be nimble in your equity approach, because the dynamics may quickly change. Those who are positioned to adapt to rapid change often come out on top. David explain...
Why Use a Fixed Indexed Annuity Instead of a Bond Allocation Show 15
September 02, 2020 09:00 - 19 minutes - 13.7 MBYou've probably heard about the 60/40 rule in financial planning. Sixty percent of your portfolio is allocated to equities and 40% to bonds. But it's no secret that bonds are not paying too well. In this show David shares how using a Fixed Indexed Annuity instead of bonds may pay off. Also, he explains what an Independent Financial Adviser is and how they operate. This is a super informative show that we believe you'll get a lot of good content out of. Let us know what you think! Investmen...
Why Use a Fixed Indexed Annuity Instead of a Bond Allocation
September 02, 2020 09:00 - 19 minutes - 13.7 MBYou've probably heard about the 60/40 rule in financial planning. Sixty percent of your portfolio is allocated to equities and 40% to bonds. But it's no secret that bonds are not paying too well. In this show David shares how using a Fixed Indexed Annuity instead of bonds may pay off. Also, he explains what an Independent Financial Adviser is and how they operate. This is a super informative show that we believe you'll get a lot of good content out of. Let us know what you think! Investmen...