Kramer Financial Talk

151 episodes - English - Latest episode: 22 days ago - ★★★★★ - 2 ratings

Small changes, made over time, can produce significant results. Much like a high performance engine, or an entire orchestra, when even a small part is not doing what it is supposed to do, everything suffers. And the same is true of your finances. This show is dedicated to the small things that make a significant difference.

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Episodes

Alternatives to US Stocks

April 06, 2024 05:00 - 33.1 MB

You should have some money in stocks for growth, but you shouldn't have all your eggs in one basket. We talk about other tools and allocations you will want to consider as you get closer to retirement.

The Importance of a Diversified Investment Strategy

December 23, 2023 06:00 - 31.2 MB

What does it mean to have a truly "diversified" investment strategy? We talk about this, and how you can improve and diversify your investments.

Will We Actually Avoid a Recession?

December 16, 2023 06:00 - 25.5 MB

There has been a lot of talk over the past year or so about a looming recession. We discuss where we are at with the economy and how it may affect your finances moving forward over the next year.

Retirement Account Withdrawal Rate Strategies

November 25, 2023 06:00 - 32.9 MB

Retirement income can be tricky! You need to figure out how much you'll need each and where, how and when to withdraw it so you don't jeopardize your savings.

The Importance of Roth IRA's

November 04, 2023 05:00 - 30.3 MB

In this episode we discuss the Roth IRA, how it works and how it may be a beneficial part of your financial and retirement strategy.

Why the Budget Deficit Finally Matters

October 21, 2023 05:00 - 25 MB

The U.S. budget deficit has been growing for what seems like forever, so why does it finally matter so much? In this episode we look at the answers and why it matters to you.

A Retirement Readiness Checklist

August 12, 2023 05:00 - 39.8 MB

Are you ready for retirement? We go over an important checklist of things to help you know if you're ready.

QLAC's and HSA's - What are they?

July 29, 2023 05:00 - 33.5 MB

In this show we talk about the definition and possible benefits of QLAC's and HSA's.

Economic News and 401(k) Changes

July 22, 2023 05:00 - 28 MB

In this episode we cover the latest economic news and also discuss changes to your 401(k).

ESG Funds - Investing in Values

June 17, 2023 05:00 - 30.1 MB

In this episode we explain what ESG funds are, as well as the pros and cons of these portfolios.

Gifting and Inheriting Property

June 10, 2023 05:00 - 26.1 MB

There are so many different rules and strategies involved with gifting or inheriting property...in this episode we discuss what you need to know to avoid mistakes.

Market Investment Behavior

May 27, 2023 05:00 - 28.3 MB

Investor behavior can drastically affect financial success. In this episode we talk about how your behavior affects your investments.

Annuities and the Income Gap

May 06, 2023 05:00 - 31.7 MB

In this episode we talk about the income gap you may face in retirement and whether or not annuities may be a good way to fill that gap.

How Much Do You Need to Retire?

April 22, 2023 05:00 - 26.8 MB

In this episode we discuss what you need to do and know in order to figure out how much money you'll need in retirement.

What's up with Banking… and Inherited IRA's

March 18, 2023 05:00 - 28.4 MB

2 Banks have failed, what does that mean for you? And what is an inherited IRA anyway?

Stocks, Bonds and Interest Rates

March 11, 2023 06:00 - 30.4 MB

In this episode we talk about the current state of stocks, bonds, and interest rates and how to help adjust your financial plan accordingly.

Tax Time

March 04, 2023 06:00 - 25.7 MB

It's that time of year... but you need to look not only back, but forward to help minimize that tax burden. In today's episode we talk about tax strategies and more.

What to know about the SECURE 2.0 Act

February 25, 2023 06:00 - 25.7 MB

During this episode, we’re going to breakdown the federal SECURE 2.0 Act, which may have major implications for millions of retirees.

Year-End Financial Tips

December 24, 2022 06:00 - 27.1 MB

As one year ends and the new one begins, you need to do a financial check-up. We look at some key financial tips to help you achieve your goals.

Historic Bond Market Downturn

December 03, 2022 06:00 - 36.3 MB

The past year saw an unprecedented downturn in the bond market. We discuss what happened and planning for the future.

High Inflation and the Income Gap

November 26, 2022 06:00 - 28.9 MB

High inflation can take it's toll on income in retirement. We talk about tips and strategies to fill the gap.

The Needs and Wants Paradigm

November 19, 2022 06:00 - 25.5 MB

There's a big difference between your financial needs and wants, and figuring that out is key to a solid financial and retirement plan. We talk about tips and strategies to overcome this issue.

Long Term Care Planning

November 12, 2022 06:00

Long-term care costs could wipe out your retirement savings. Unfortunately the odds are the majority of people will end up needing long-term care at some point. We talk about the different ways to plan for long-term care.

Should a Structured Note be Part of your Retirement Plan

November 05, 2022 05:00

In this episode we talk about structured notes and what role they can play in your financial planning.

Retirement Rediness

October 22, 2022 05:00

Are you ready for retirement? In this episode we go over some key steps to help you make sure you're ready for a successful retirement.

Year-End Tax Strategies

September 17, 2022 05:00

Now is the time to look at your tax situation. We talk about tips and strategies to help possibly minimize your taxes.

Is Delaying Social Security Still a Good Idea?

August 27, 2022 05:00

Should you delay or file early for Social Security? In this episode we explore the various strategies to help you figure out what's best for your personal situation.

Strange Recession

August 13, 2022 05:00

Technically, we are in a recession, or were we? In this episode we look at where we are at with our finances and the economy.

Don't Let a Bear Market Derail Your Retirement

August 06, 2022 05:00

When the markets are down, it can have a big impact on your retirement. But it doesn't have to. In this episode we discuss tips and strategies to help you deal with market volatility.

Smart Money Strategies in Down Market

July 23, 2022 05:00

We've seen a lot of market volatility and loss this year, so today we talk about smart money strategies that you need to know about.

Bear Markets and Roth Conversions

July 02, 2022 05:00

What can you do to be proactive with your finances during a bear market? We discuss the possibility of Roth Conversions.

Do Bear Markets Lead to Recessions?

June 25, 2022 05:00

The markets are down and have entered into bear country... will this lead to a recession? In this episode we talk about what can you do with your finances to weather the storm.

Down Market Survival Guide

May 28, 2022 05:00

Things you can do to help prepare yourself for a down market

Historic Downturn for Bonds

May 07, 2022 05:00

With interest rates rising, bond values are down. Combine that with a volatile market and you need to make sure you have a solid financial plan. In this episode we talk about strategies to help you.

Ways to Reduce Taxes on RMD's

April 30, 2022 05:00

In this show we talk about how to minimize your tax burned and reduce taxes on required minimum distributions.

What Is a Yield Curve and Why Should Investors be Worried?

April 16, 2022 05:00

In this episode we talk about yield curves and the possibilities of a recession.

4 Assumptions That Could Hurt Your Retirement

April 09, 2022 05:00

There are 4 major assumptions that people make that could hurt your retirement, in this episode we discuss them and how to avoid making financial mistakes.

How Do Alternatives Fit Into a Diversified Portfolio

April 02, 2022 05:00

In this episode we talk about having a diversified portfolio and whether or not alternative investments might fit in.

Back Door Roth IRA

March 26, 2022 05:00

In this episode Jim talks about Roth IRA's, and the strategy known as a "back-door Roth IRA".

Life Insurance and Taxes

March 19, 2022 05:00

In this episode we talk about understanding Life Insurance and Taxes and tips on how to help take advantage of strategies to help your overall finances and retirement.

The Underselling and Overselling of Life Insurance

March 05, 2022 06:00

You may have Life Insurance that you don't need... You may also need Life insurance you don't have. There are so many kinds of insurance and strategies, we break it down for you and talk about strategies to help you get the policy you need, not the ones you don't need.