A Strategy Guide to Retirement Planning with Terry Martine
15 episodes - English - Latest episode: almost 3 years ago - ★★★★★ - 1 ratingTerry Martine answers your retirement planning questions. There are other "financial" podcasts, but only one that focuses on teaching you how to manage your own finances. It's one thing to hear about a lot of theory, but we discuss specific strategies people are using today. Are you curious about what your retirement will look like? Do you have enough money saved to retire at 65? Maybe you want to retire before 65? Even if you have a financial planner, we will give you the tools to build your own financial plan. Give us a listen. We're here to answer your questions regarding Medicare, Lifetime Income, tax reduction strategies, 403(b), Life Insurance, Long Term Care, when to start Social Security benefits, Roth conversions, Estate Planning and more. The information will be presented as stories you can relate to with special guest interviews. Remember it takes $300,000 in savings to equal $1,000 a month in retirement! Give us a listen, and if there is a specific topic you would like us to cover, let us know. www.frsinvestmenadvisors.com
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Episodes
Where to invest Cash
August 31, 2021 16:00 - 19 minutes - 13.5 MBInterest rates are incredibly low... Although I'm sure you already aware of this, the challenge financial advisors face is where to invest cash. Leaving cash in a bank seems like a good choice, it's safe, but that's not going to keep pace with inflation. Some estimates put inflation at 5%-6%, which means for every $100,000 earning 0% interest will lose $5,000-$6000 in purchasing power. This in not a good situation. In this episode we will explore the the options to investing cash and what ...
What are the important HR requirements for small business?
July 28, 2021 20:00 - 40 minutes - 27.5 MBThis episode is a masterclass and dedicated to answering the questions regarding HR for small businesses. It's typical for a small business owner to overlook this key area as they grow, which can lead to some very costly mistakes. We not only cover the 8 HR issues a business needs to tackle, but include stories to bring these issues to life. Terry Martine interviews Doug Murphy from Paychex who services the industry and has practically seen it all. Employee Paperwork Employee Handbook Req...
What is income Planning?
June 07, 2021 12:00 - 10 minutes - 7.21 MBWhat is income Planning? In this weeks episode Terry talks about the simple trick he shares with his retirement income planning clients. It's amazing how simple income planning can be.... it all comes down to a simple number which is 300. Knowing this simple trick can help you tremendously in this short little 10 minute podcast. If you have questions after listening to the podcast we would be happy to explain. Terry can be found by calling 800-377-4027. Thanks for subscribing and feel free...
The Basics of Retirement Income Planning
June 07, 2021 12:00 - 10 minutes - 7.21 MBWhat is income Planning? In this weeks episode Terry talks about the simple trick he shares with his retirement income planning clients. It's amazing how simple income planning can be.... it all comes down to a simple number which is 300. Knowing this simple trick can help you tremendously in this short little 10 minute podcast. If you have questions after listening to the podcast we would be happy to explain. Terry can be found by calling 800-377-4027. Thanks for subscribing and feel free...
Long Term Care Explained (Updated)
June 01, 2021 20:00 - 30 minutes - 20.9 MBAs a certified long-term care planning specialist, Terry gets to the basics with Alecia Barnett. We get calls for long-term care when someone in the family gets ill. Did you know that the newer policies allow you to leave any money you don't use to your beneficiaries? Also there is a company that allows you get a policy even if you have a chronic illness? Traditional long-term care was a use it or lose it proposition. It's interesting that a lot of people thing Medicare will give you lon...
Opportunity Zones explained by Rick Martens of Inland Capital
April 29, 2021 00:00 - 39 minutes - 27.4 MBIn this episode Terry Martine sits down with Rick Martens of Inland Capital and discuss what an opportunity zone is and how it is used for investors. According to the IRS, "A Qualified Opportunity Zone (QOZ) is an economically distressed community where new investments, under certain conditions, may be eligible for preferential tax treatment. Localities qualify as QOZs if they have been nominated for that designation by a state, the District of Columbia, or a U.S. territory and that nomina...
1031 Exchanges and DST's with Rick Martens of Inland Capital
April 08, 2021 23:00 - 40 minutes - 27.8 MBWe talk with Rick Martens, Sr VP of Inland Capital to discuss answer a few questions. What is a 1031 exchange? Why do people use them and why are they becoming more popular? And finally we look at a few of the qualifications and why using a Delaware Statutory Trust (DST) meets the needs of many investors. Here's a brief history of the 1031 exchanges. A 1031 exchange allows real estate investors to defer tax liability on the sale of an investment property by using the sale’s proceeds to pu...
Life Insurance policy review (Interview with Dave Henry)
April 04, 2021 13:00 - 28 minutes - 19.8 MBAs we get older, the reason we have or still need life insurance changes. If you own a life insurance policy, the amount of coverage may have changed from when you first purchased the policy. We commonly get asked the question, "do I have to much, or do I still need the policy I bought years ago?" Do you still need the Buy-Sell life insurance policy? It's essential that you consider how much life insurance you and your loved ones require, what type of life insurance policy is best for you b...
Life Insurance Evaluator (Interview with Dave Henry)
April 04, 2021 13:00 - 28 minutes - 19.8 MBAs we get older, the reason we have or still need life insurance changes. If you own a life insurance policy, the amount of coverage may have changed from when you first purchased the policy. We commonly get asked the question, "do I have to much, or do I still need the policy I bought years ago?" Do you still need the Buy-Sell life insurance policy? It's essential that you consider how much life insurance you and your loved ones require, what type of life insurance policy is best for you b...
Medicare 101 for individuals about to turn 65
March 23, 2021 02:00 - 35 minutes - 24.5 MBIn this episode Terry Martine sits down with John Clark, a Medicare expert in West Palm Beach Florida. Medicare is available for most individuals that are 65 years of age or older. This podcast will answer your basic questions. We discuss Medicare and answer the difference between a Medicare advantage plan and a Medigap policy. Whether you need a drug plan. Why certain geographical areas have such different pricing including the most expensive counties in Florida. How much you will pay for...
Why you need an estate plan in todays CRAZY world.
March 12, 2021 04:00 - 49 minutes - 34.2 MBWe interview one the best estate planning Attorneys in West Palm Beach (Charlie Weiss). One word of caution, Charlie is in Florida, we specifically talk about Florida Estate Plans. If you are outside Florida, the concepts are the same but the documents might be slightly different. We answer the difference between a will and a Trust. Who needs a Trust or is it better to just have a will? Do you need a revocable living trust or an irrevocable living trust and the differences between the two. W...
Estate Planning 101 Why you need an estate plan in todays CRAZY world.
March 12, 2021 04:00 - 49 minutes - 34.2 MBWe interview one the best estate planning Attorneys in West Palm Beach (Charlie Weiss). One word of caution, Charlie is in Florida, we specifically talk about Florida Estate Plans. If you are outside Florida, the concepts are the same but the documents might be slightly different. We answer the difference between a will and a Trust. Who needs a Trust or is it better to just have a will? Do you need a revocable living trust or an irrevocable living trust and the differences between the two. W...
How to Evaluate an Advisor (4 basic questions)
March 10, 2021 01:00 - 11 minutes - 8.11 MBHave you ever wondered how to objectively compare Financial Advisors? This episode gives you 4 basic questions you can ask any advisor and compare the results. You'll be amazed how simple this for is and how easy it is to use. The form is available as a PDF on our website under the forms tab. This form will help you discover basic information like: Does the Advisor have any disclosures? A disclosure is in the advisors file due to issues like Civil Actions, disciplinary actions by the gove...
401k Rollovers and 403b Rollovers (5 options)
February 18, 2021 19:00 - 5 minutes - 3.51 MBIn this episode we explore your options to a 401k rollover or 403b rollover. There are 5 pro's and cons to a Rollover IRA. The main deciding factor is if you think there might be a circumstance that you need to take a loan on your 401k. Maybe your looking for a more diversified funds or stocks than your 401k provider offers. We'll cover the 5 options you have to transferring your money from an old employer. Find us at Family Retirement Services, LLC. or call us at 800-377-4027 Here is a qui...
401k and 403b Rollovers if in FRS System
February 18, 2021 19:00 - 5 minutes - 3.51 MBIn this episode we explore your options to a 401k rollover or 403b rollover. There are 5 pro's and cons to a Rollover IRA. The main deciding factor is if you think there might be a circumstance that you need to take a loan on your 401k. Maybe your looking for a more diversified funds or stocks than your 401k provider offers. We'll cover the 5 options you have to transferring your money from an old employer. Find us at Family Retirement Services, LLC.