Retire With Integrity Podcast with Brian Bowen
286 episodes - English - Latest episode: 11 days ago - ★★★★★ - 1 ratingBrian discusses various topics regarding retirement including income, taxes and wealth preservation. This podcast is for anyone who wants to be prepared when they are ready to retire.
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Episodes
Scavenger Hunt For Inheritance, Costco Gold and French Fries...Oh My
April 18, 2024 04:00 - 20 minutes - 28.8 MBIn this episode, Brian and Brett discuss various topics including an unusual way to dole out a man's inhertiance...with a posthumous scavenger hunt! The guys also discuss gift taxes, the importance of comprehensive financial planning, the rise in gold sales, and the need for a retirement plan. They emphasize the importance of collaborating with different advisors and taking the time to plan for retirement. And also discuss french fries being considered a "luxury". 0:00: French fries...
Interest Rates, Healthcare and Crying Spas In New York City
April 11, 2024 04:04 - 24 minutes - 34 MBIn this new episdoe Brian and Brett talk about various topics including the Federal Reserve's interest rate cuts, commercial real estate loans, selling rental properties, and long-term healthcare insurance. The hosts discuss the potential impact of interest rate cuts on the real estate market and the challenges faced by commercial real estate investors with balloon payments. They also provide insights on selling rental properties and the tax implications involved. Additionally, they debate t...
Creative Tax Strategies & The Importance Of An Exit Plan
April 04, 2024 04:02 - 24 minutes - 33.4 MBBrian and Brett talk about creative ways to reduce tax burdens, such as giving property deeds to farmhands or getting married on paper. Brian also talks about and helps you to understand more aabout opportunity zones and 1031 exchanges. He also emphasizes the importance of knowing the tax rules and planning for the five D's: death, disability, divorce, disagreement, and distress. The guys also discuss advice for business owners and real estate investors on how to minimize taxes, pass on weal...
What It Takes to Own Several Business
March 15, 2024 19:06 - 21 minutes - 30 MBIn this episode, Brian Bowen interviews Damon Gatier, a successful real estate agent and business owner. Damon shares his journey from various occupations to finally pursuing his dream of becoming a real estate agent. He emphasizes the importance of coaching and mentoring in his success and highlights the value of continuous learning and personal growth. Damon also discusses his strategy of diversifying his business ventures and acquiring other businesses. He shares insights into the challen...
QCD's, Interest Rates & Baby Boomers
February 29, 2024 14:24 - 27 minutes - 37.4 MBIn this episode, Brian Bowen and Brett Sharp discuss Qualified Charitable Distributions (QCDs) and their benefits for individuals over retirement age. The guys also explore the impact of mortgage interest rates on real estate and the considerations for downsizing or relocating. They highlight the retirement crisis faced by late Baby Boomers and the importance of thorough financial planning. Overall, the episode emphasizes the need for proactive tax planning and comprehensive financial strat...
What's Your Financial IQ?
February 22, 2024 14:13 - 27 minutes - 37.5 MBIn this episode, Brian Bowen and Brett Sharp talki about Jeff Bezos' tax savings after moving to Miami. They then discuss the tax benefits of moving to Florida and other states with no income tax. The conversation shifts to the recent market drop and indicators of a possible recession. They also emphasize the importance of knowing one's retirement savings and share a story about the challenges of managing finances after a spouse's death. There's much more so please listen to har what else th...
Timing The Market, Inflation And The Importance Of Exit Planning
February 08, 2024 05:15 - 27 minutes - 37.5 MBIn this episode, Brian Bowen and Brett Sharp discuss the futility of trying to time the market and the importance of investing in a recession-resistant portfolio. They highlight the concept of the all-weather portfolio, which aims to provide steady returns with lower risk. The conversation then shifts to the Federal Reserve's role in evaluating inflation and the potential for rate cuts. Brian emphasizes the need for individuals to take control of their financial future and not rely solely on...
Top 10 Tax Tips For 2024
January 26, 2024 15:13 - 27 minutes - 37.5 MBIn this episode, Brian Bowen and Brett Sharp discuss the top 10 tax strategies that all wealthy people must know. They cover a range of topics including cost segregation, captive insurance, defined benefit plans, tax loss harvesting, 1031 exchanges, opportunity zones, estate taxes, 706 portability, intermediate installment sales, and qualified small business stock. These strategies can help individuals and business owners reduce their tax liabilities and maximize their wealth. As we heaed i...
Are Small Hotels & Storage Units A Good Investment?
January 18, 2024 14:29 - 23 minutes - 32.6 MBIn today's episode, Bian Bowen gives Brett Sharpe a lesson in investing in real estate, specifically turning an old hotel into an apartment building and selling self storage units. They cover topics such as financing options, starting small in real estate, finding deals, asset protection and estate planning. As well as the value of consulting and education, and tax implications when selling self storage units. The conversation emphasizes the importance of financial coaching and seeking prof...
Creative Tax Strategies & The Importance Of Planning Your Exit From Business
January 11, 2024 05:00 - 24 minutes - 33.5 MBBrian Bowen discusses various tax reduction strategies and planning techniques. He explores creative ways individuals have tried to reduce their tax burden, such as unconventional marriages and moving to different states. Brian emphasizes the need for comprehensive exit planning and the consideration of the five Ds (death, disability, divorce, disagreement, and distress) when creating an exit strategy. He also highlight the significance of involving trusted advisors in the planning process....
Estate Planning Without Kids, Commercial Real Estate & Tax Strategies
January 04, 2024 05:15 - 22 minutes - 30.9 MBIn this episode, Brian Bowen discusses the impact of interest rates on the real estate market, the potential changes in home values, the government deficit, and political corruption. They also delve into estate planning and tax strategies, as well as retirement planning for individuals without children. Interest Rates and Real Estate (00:29) Home Values and Market Changes (02:22) Estate Planning and Tax Strategies (09:16) Retirement Planning without Children (11:06)
1031 Exchanges & The Government Gives Tax Tips?
December 14, 2023 05:57 - 23 minutes - 32.9 MBIn this episode, Brian Bowen and Brett Sharp discuss the 1031 exchange and its benefits for real estate investors. They explain the process of a 1031 exchange and the importance of finding a qualified intermediary. Additionally, they explore various tax strategies for selling a business, suggested by the governemnt! That's kinda crazy, right? Some tips like negotiating the sale of a sole proprietorship and selling a partnership interest. They highlight the advantages of opportunity zones an...
Year End Tax Strategies & Tips
December 07, 2023 11:00 - 23 minutes - 32.1 MBIn this episode Brian dives into the things you should be considering at this time of year when it comes to taxes. Whether you're a business owner or an individual, check out what Brian has to say about dealing with taxes and your retirement money. He talks about folks he has helped and ways that you can pay what you have to but hopefully nothing more. Offsetting taxes from a business sale (1:03) When do start asking for help when selling your business? (3:46) How many tax strateies ...
NFL Money Advice, Year End Tax Tips & The Rule of 72
November 20, 2023 05:15 - 21 minutes - 30.1 MBIn this episode, brian runs down a whole bunch of things including an NFL player who put his paycheck online and offered financial advice to go with it. Also, Brian & Brett talk about the Rule of 72 and how hat works as well as year end tax tips we can all learn something from. Plus, the importance of an HSA and how that could work in your favor for retirement. NFL Money Tips (:34) Rule of 72 (3:46) Year End Tax Tips (8:56) Reasonable Compensation (14:58) HSA Accounts (18:20...
The Answer To Your Social Security Question,
November 06, 2023 11:00 - 20 minutes - 28.7 MBIn this episode Brian reacts to the news of a possible upcoming recession as well as chagnes to your Required Monthly Distribution. Also, are interest rates affecting treasury bonds and how does Brian really feel about the high rates of today. Plus a lot more talk of the things that affect your retiremnt money. Here are the topics Brian talks about on today’s show: · Recession news (0:24) · Treasury Bonds & interst rates (04:55) · Social Security...
Bamkruptcy, Gold And Artificial Intelligence...Oh My!
October 23, 2023 19:52 - 20 minutes - 28.8 MBMore American small businesses than ever are filing for bankruptcy and in this episode Brian Bowen talks about why he believes that's happening. Also, Brian and Brett discuss buying gold from Costco and what affect the continuing growth of artificial intelligence may have on the financial world and ultimately your retirement. Here are the topics Brian talks about on today’s show: · Small business bankruptcies (0:30) · Buying gold from Costco? (11:24) · ...
Your Car Does What? Selling Your Business & Taxes and American Home Equity
September 23, 2023 14:51 - 30 minutes - 41.4 MBThis episode, Brian Bowen the best ways to deal with getting out of your business when you no longer want to be working. Also, don't get surprised by taxes in retirement! Brian talks about what he and his team do to help you avoid that kind of situation. Homeowners in America have a huge amount of equity in real estate right now, find out how much and what you should be doing with yours. And finally, does your car know more about you than it should? Brian and Brett dive into that as wel...
Pineapple Pickle Pizza, Oil Prices & Real Estate
September 15, 2023 17:16 - 21 minutes - 29.4 MBIn this week's episode, Brian Bowen talks about retirement age and how you should aproach yours. Also, global oil production and the effect it will have on our continuing battle with inflation. Remember the regional banking crisis earlier this year? Well, more fallout from that could affect your account. And if you're looking at buying or selling a home, there's kind of a stalemate between both sides. Who holds the cards right now in real estate? brian talks about that as well. Plus,...
Atari Is Back! Required Long Term Healthcare and Are You A Money Role Model?
September 01, 2023 17:15 - 20 minutes - 28.2 MBBrian Bowen tackles a lot of stuff in this week's episode. Things that affect your retirment and ways for you to deal with them. He answers the question how hard is to plan for retirment, really? Also, did you know that you are a money role model for your kids and grandkids? And what Gen Z thinks about the future of scial security, is better than what others think about it? And Brian talks with Brett about the return of classic Atari games as they stroll down memory lane. Here are ...
Coffee Talk, The Big Short & Perfect Credit Scores
August 25, 2023 12:54 - 24 minutes - 33.8 MBOh there's a lot to get through in this episode. Brian and Brett talk about the guy who was behind the movie The Big Short and his predictions for the economy . Also, the current state of the real estate market and what the means for us in retirement as well as how important is a perfect credit score of 850, really? And, if you're a coffee drinker, a new study out shows the relationship between caffiene and how much you spend. Listen to find out what that's all about. Here are the ...
Ice Cream Lock-Up, Is Gold The Answer, Credit Debt & More
August 17, 2023 13:00 - 23 minutes - 32.4 MBIn this episode Brian and Brett talk about market fears and if those afraid to stay in the market find gold to be the answer. Also, how big is the credit card debt in our country? Brian talks about how big it really is and how this happened. A long time company goes bankrupt and what that could mean to all of us. Plus, has it really come tho this? Stores having to lock up ice cream, listen to find out why. Here are the topics Brian talks about on today’s show: · Yellow F...
Pickleball, Financial Risk & Living Longer In Retirement
August 10, 2023 15:30 - 23 minutes - 31.7 MBThios week Brian & Brett discuss everything from the hazards of pickleball to truly understanding what you have financially. Brian discusses how to best plan for retirement now that we as a group are living longer. Also, understanding financial risk and how far are you willing to go with it. Do you truly understand where you are financially? A lot of us don't so Brian talks abotu the best ways to bring your financial picture into focus. Here are the topics Brian talks about on today’s ...
The Do Nothing Portfolio, Worst States To Live & Estate Planning
August 02, 2023 15:35 - 24 minutes - 44.3 MBIn this episode, Brian and Brett talk about a lot of things concerning your retirement. They discuss a strategy known as the "do nothing portfolio" and whether that's a good idea or not. Also the perils of not having an estate plan in place as well as what are the top 10 worst states to live in? FInd out why in this episode. Here are the questions Brian answers on today’s show: · Worst States (:50) · Do Nothing Portfolio (2:05) · Estate Planning...
AI, Medicare & Phubbing
July 27, 2023 20:39 - 24 minutes - 44.2 MBIn this episode, Brian Bowen talks about the expected increases to Medicare. Are you ready for these kinds of things in retirement? Having a financial plan for your retirement years that anticipates all the obstacles is just what Brian and his team can help with. Also, Brian and Brett talk about Artifical Intelligence (AI) and it's effect on our day to day lives as well as the phenomenon of phubbing. What is phubbing? Listen to fine out. Here are the questions Brian answers on today’s ...
Recession, Scams and Your Gut
June 15, 2023 18:38 - 22 minutes - 30.7 MBIn this episode, Brian & Brett talk about a new scam to watch out for, this one is aimed at buisiness owners. Also, why is Costco talking recession and why it is so important to actually listen to the fiduciary from whom you're seeking advice. Here are the questions Brian answers on today’s show: · Costco talks recession (0:33) · ERC Tax Break Scams (6:31 ) · Listen To Your Gut? (15:10)
Taxes, The Fed And 401K's
June 08, 2023 09:10There are a lot of moving pieces in retirement and keeping track of it all is not easy. Do you have forgotten 401K's? Are we in for another rate hike? What happens just 6 months shy of your 60th birthday? Brian talks about these topics and more in this episode. Here are the questions Brian answers on today’s show: · Forgotten 401K's (0:12) · Saving on taxes in retirement (4:50) · What happens at age 591/2? (17:24) Get Additional Infor...
Mailbag: Tax Strategies, Charitable Lead Trusts, and More
June 01, 2023 09:07 - 25 minutes - 35.4 MBWhen you’ve made your small business both your livelihood and retirement plan, there’s a lot to sort out when you’re ready to sell it. Brian answers a question from the mailbag from someone ready to wash his hands of owning and running a storage facility. What can he do to avoid a big tax bill? Here are the questions Brian answers on today’s show: Mailbag: Ready to sell a storage unit facility, but how can I limit my taxes? (0:20) Mailbag: What should I know about a charitabl...
The Most Expensive Tax Mistakes
May 25, 2023 09:04 - 25 minutes - 34.5 MBAre you prone to making these major mistakes when it comes to taxes and overpaying? You have to be looking at your income and looking at your deductions and strategize in order to avoid major tax mistakes. Are you doing everything you can do? One of the keys to cutting taxes is timing. What other strategies should you keep in mind? Here’s what you’ll learn on today’s show: What are the most expensive tax mistakes? (0:12) Pay attention to what you’re going to pay in taxes. (4...
Advisor Pet Peeves
May 18, 2023 09:00 - 23 minutes - 32.8 MBWe all have things that bother us. What kinds of things bother financial advisors like Brian? In this episode, Brian shares his biggest pet peeves in the financial industry, such as hidden fees, and how he advises his clients about them. He also answers a question from the listener mailbag and sheds light on the private wealth division. Here’s what we talk about on today’s show: Mailbag: What do I do about taxes when selling an apartment building? (0:12) Pet peeve: Hid...
Grading Your Financial Competency
May 11, 2023 09:00 - 24 minutes - 34 MBIt’s quiz time! How would you grade your financial competency? Join us as we ask some critical questions when it comes to your finances. Stay tuned and test your knowledge by seeing how many of these questions you can answer! At the end of this episode, Brian will also answer a few questions from the mailbag. Here are the quiz questions as well as two questions Brian answers from the mailbag: Do you know how much you have? (0:29) Do you know how much risk you have? (...
Financial Commandments
May 04, 2023 09:00 - 25 minutes - 34.9 MBWhat financial commandments should you be following? In this episode, we talk through what “thou shall” and “shall not” do when it comes to your finances and retirement planning. Brian shares some client examples of what this can look like and how to stay on the straight and narrow in order to reach your financial goals. But before we jump in, we'll talk through some market predictions, how your net worth could be impacted by the current environment, and what to keep an eye on in...
Mailbag: Should I Sell The Family Farm I Inherited?
April 27, 2023 09:00 - 23 minutes - 32 MBOne listener recently inherited her father’s farm and an IRA and is thinking about cashing it all out in order to retire. Is this a good plan? In this episode, Brian reflects on some of his own experiences with moving and selling farm property and also shares his philosophy as a financial planner. He's what we'll discuss in this episode: Mailbag: After inheriting the family farm, is there anything wrong with selling it and retiring? (0:12) What is Brian’s financial ...
Tax-Efficient Investing
April 20, 2023 09:00 - 24 minutes - 33.3 MBWhen you meet with a financial advisor are they addressing your entire portfolio? More than simply IRAs and Roth investments, your advisor should see the whole picture. A major part of the picture is understanding tax-efficient investing. From 1031 exchanges to municipal bonds, you want to make sure to leverage your best options. It’s also important to understand what your life looks like in retirement and how your investments will support that lifestyle. In this episode, Brian a...
Minimizing Taxes In Retirement
April 13, 2023 09:00 - 23 minutes - 32.9 MBWhat if you could reduce one of your biggest expenses? For some, taxes are a major expense, so it’s vital that you are strategic about your taxes, both now and in the future. If your tax rate is in the high 20s and 30s, that bill could amount to a high portion of your total costs. In this episode, Brian talks through several strategies people consider when it comes to minimizing taxes and whether you should incorporate them into your financial plan. Here’s what you’ll learn on tod...
Frequently Asked Financial Questions
April 06, 2023 09:02 - 26 minutes - 37 MBWhat does it mean to be an accredited investor? Brian talks about what’s required and what it looks like if you qualify. The options are different for an accredited investor, which has come up for some of his clients in need of creative solutions such as a 1031 exchange. Another question is, are reverse 1031 exchanges legal? Later in the show, Brian shares about helping his clients through a 1031 exchange. Here’s what you’ll learn in today’s show: What is the role of an accredi...
Hindsight is 20/20: Avoiding Financial Mistakes in Retirement
March 30, 2023 09:00 - 22 minutes - 30.7 MBKnowing what we know now, past decisions might have been made differently. As the saying goes, hindsight is 20/20. When it comes to investing money, you don’t want to make detrimental mistakes that will leave you wishing you’d made different decisions in the past. In today’s episode, we’ll discuss why you shouldn’t take the same financial risks in retirement as you might have in your 30s and 40s. Here’s what we’ll discuss on today’s show: An example of how investors can make e...
Cleaning Out Your Financial Closet
March 23, 2023 09:00 - 25 minutes - 35.3 MBAre you ready for some spring cleaning? More than just your closet or garage, you might want to assess what’s in your financial closet. You might not want to address everything in there, but it would be wise to review it with your advisor. We’ve all made bad financial decisions, you just have to learn from them. In this episode, Brian shares some tips on how to clean up your financial closet. Here’s what you’ll learn on today’s show: Visiting with a financial advisor is like opening up...
The Downsides of a DIY Retirement Plan
March 16, 2023 09:02 - 23 minutes - 32.6 MBFrom financial plans to home remodeling, it’s common to be tempted to DIY your way there. But should you? When you do it on your own, you may be swayed by emotions or confusion. Financial planning can be complicated. Have you thought about taxes or estate planning or when to withdraw and from where? Having a financial advisor can help navigate those emotions and decisions so you can feel more at ease. From retirement income to tax strategies on an investment property, Brian shares...
Mailbag: What Do I Need to Know To Sell a Business and Retire?
March 09, 2023 01:50 - 25 minutes - 35.4 MBIf you are a small business owner (or want to be), there are a lot of financial decisions you have to make. From investing in the right industries to knowing how to sell the business when you are ready to retire, a good financial advisor can point you in the right direction. Brian answers three questions from the mailbag that cover selling a business, being strategic about your business taxes, and learning more about real estate investment trusts vs. owning real estate. Here’s what yo...
On the House: Real Estate and Tax Strategies
March 02, 2023 10:03 - 23 minutes - 32.6 MBThere are a number of common questions that come up around owning a home. From paying off the mortgage quick to selling off several acres of land, Brian shares what you need to know about this important asset. You may be surprised to learn how important your tax strategy is when it comes to real estate investments. Here’s what you’ll hear on today’s show: Should I try to pay off my home quickly? (0:27) Your first call should be to a financial planner before a realtor before ...
The Five D’s To Prepare For in Business
February 23, 2023 10:02 - 28 minutes - 38.6 MBWhen you own a business, you have a lot to care for. While you’re busy juggling everything to keep the business going, you might be overlooking these five dangerous things that can leave you in a lurch should you one day face them. Instead of winging it, make a plan and prepare for the possibility of one of these five things: divorce, disability, distress, disagreement, and death. You might not know when you’ll exit the business if one of these things come up, so make a transiti...
What is a CEPA? Learn How They Help Business Owners
February 16, 2023 10:02 - 19 minutes - 27 MBBrian Bowen has his Certified Exit Planning Advisor (CEPA) designation, which means he’s in a unique position to advise busines owners in that transition process out. So many things could go wrong and a CEPA can be a huge asset to you, your family, and your future. In this episode, we’ll talk about the role the CEPA plays in the process and the decisions that need to be made during this exit process. If you’re a business owner and haven’t started thinking about retirement, this e...
Answering Your Real Estate Investing & Tax Questions
February 09, 2023 10:06 - 16 minutes - 22.6 MBReal estate can be a very lucrative investment but it can also be an extremely difficult piece of the portfolio to manage. There are highs and lows to real estate, but like everything else in the financial planning world, it may or may not be a good tool for you. In this episode, we have two great questions to answer that deal with managing real estate investments and the taxes associated with them. Brian will break down both of the questions and work through the process he would typica...
Mailbag: How Can I Save on My Taxes?
February 02, 2023 10:00 - 13 minutes - 17.9 MBWith tax season upon us, you might be wondering what areas you can save on with your taxes. The goal is to keep as much of your own money as possible and proper planning can help you accomplish that. Today we'll answer two questions from the mailbag about taxes. Here are the questions Brian answers today: Mailbag: How can I save on taxes on a building purchase? (0:17) What is a 1031 exchange? (3:09) Mailbag: How can I help save on taxes as a successful business owner? (6:42) Get...
Investing Like a Genius
January 26, 2023 10:00 - 23 minutes - 31.8 MBWhat does it mean to invest like a genius? We talk about the common characteristics among intelligent people and how you can apply those characteristics to your investing strategies. Then, Brian answers two questions from the mailbag about money in retirement. Here’s what we discuss on today’s show: Highly intelligent people are adaptable. (0:42) Geniuses understand how much they don’t know. (2:52) Talking about your mistakes helps. (6:52) Mailbag: Ready to sell my business to ...
Financial Resolutions for 2023
January 19, 2023 16:36 - 22 minutes - 31.4 MBHow are your resolutions doing so far? If you haven’t made any yet or have dropped the ones you started, maybe it’s time to pick up some financial resolutions. Brian talks about what you’ll want to do to get the year started off right. Then we talk about some things that happen in life, good and bad, and how to prepare for them financially. Here’s what we discuss on today’s show: What financial resolutions should you adopt? (0:12) Do you understand what you’re invested in? (4:12) St...
How to Make Your Money Last
January 12, 2023 10:00 - 18 minutes - 24.8 MBIf inflation is the silent killer of retirement planning, what can you do about it? On today's show, Brian talks through the rule of 72, how it relates to inflation, and how understanding this rule can impact your financial plan. Whether it’s real estate, the stock market, or business growth, apply the rule of 72 to see how long it takes to grow your money into what you need. We'll also talk about how people handle risk throughout their lives and how risk, inflation, and stock market volat...
Mailbag: Which House To Pay Off, Do I Have Enough To Retire
January 05, 2023 10:00 - 19 minutes - 26.7 MBWe all want to know that we have enough for retirement when the time comes. Brian answers a question from the mailbag from someone who previously thought she couldn’t afford retirement but has since realized her pension would provide more than she thought. Is it enough to retire though? How do you figure that out? Here are the listener questions Brian answers today: Mailbag: Should I pay off a home with my inheritance? Which one? (0:12) Mailbag: Do I have enough to retire with my pensio...
Should You Get a Charitable Trust?
December 29, 2022 10:00 - 17 minutes - 24.7 MBYou may have heard of a donor-advised fund, but is that really what you should have as a part of your financial plan? Brian talks about another option you might want to know about: charitable trusts. He shares more about the different types of charitable trusts and why you might want to consider them. Then, he plays “fact or fiction” about these financial ideas and decisions. Here’s what you’ll learn about on today’s show: The benefits of charitable trusts vs. donor-advised funds. (0:12)...
Financial Wisdom from Coaches
December 21, 2022 10:07 - 21 minutes - 29.1 MBSome of the greatest coaches inspire their teams to do well. Today we look at quotes from famous coaches and apply the same wisdom to our financial lives. Then, we discuss the seven deadly sins and how to avoid them when saving, spending, and strategizing with your money. Here’s what you’ll learn on today’s show: “Nobody who ever gave his best regretted it.” (0:13) “Your problems never cease, they just change. (5:51) “Adversity is an opportunity for heroism.” (7:08) What are the sev...