Retirement Talk Podcast with Laura Stover
188 episodes - English - Latest episode: 7 months ago - ★★★★ - 38 ratingsRetirement talk - Redefining Wealth and Your Money with Laura Stover is a podcast that educates, entertains, and helps prepare our listeners for retirement. It's a show designed for those looking to maximize their financial efficiency and fulfill their lifestyle. It is also geared toward those needing to transition from accumulation to preservation and the necessary shift in how money is managed. Based on Laura’s two decades of experience with financial coaching and consultation to hundreds of individuals across the US, this podcast could make a difference in your retirement income, cutting your taxes, or both!
Laura shares thoughts and ideas from today’s premier experts in the field of retirement, as well as the latest in retirement trends to help you make better financial decisions regarding YOUR retirement.
In each episode, Laura will share financial news and provide insight and resources on topics such as retirement, retirement income planning, reducing unnecessary taxes, protection from market risk, wealth transfer, estate planning strategies, long-term healthcare, social security and much more.
Your host is wealth advisor Laura Stover. Laura is the CEO of LS Wealth Management. She is also the founding partner of LS Tax, a consulting and tax planning firm. Laura is a registered financial consultant and investment advisor. She attended Huntington University, as well as the prestigious Wharton School with a certification in executive leadership, and focus on entrepreneurism. She has been a co-author with Renowned Businessman Steve Forbes as well as a multiple time contributing columnist to many national publications such as the Wall Street journal, CNBC online and USA today. A sought-after speaker and entrepreneur, Laura has close to twenty years of experience as an investment advisor. She has become a well-known financial resource and a go-to advisor for national media outlets and clients across the country.
The focus starts with why you plan to retire in the first place, how you will fulfill your dreams and most efficiently organize your assets. You'll plan how to manage the growth necessary to sustain your lifestyle needs throughout your retirement journey. We want to redefine your wealth and money.
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Episodes
What is a Dividend Yield?
January 04, 2023 11:00 - 26 minutes - 36.1 MBThe extended downturn in the market has given investors a chance to re-evaluate their portfolio and rethink the strategy that best fits their needs in retirement. Dividend-paying stocks are often a popular choice, especially in times like these, because they can help offset poor returns in a down year. One criteria to use when searching for a strong company is the dividend yield, which is how much a company pays out in dividends each year relative to its stock price. Where we want to help ...
How Often is the Market Down in Consecutive Years?
December 28, 2022 11:00 - 31 minutes - 29 MBAs we prepare to turn the page to 2023, it’s impossible to ignore the state of the market as we close out a second consecutive year with negative returns. Investor concern seems more elevated than normal, which isn’t a surprise because this situation doesn’t occur often. The market rarely sees a down year followed by another down year, but that’s where we find ourselves right now. We can’t make predictions on the market, but we can extract data from previous down years and try to make ...
Owning Individual Bonds vs Owning a Bond Fund
December 21, 2022 11:00 - 32 minutes - 29.4 MBThis past year in the market has been difficult for just about everyone. Even conservative investors, who felt comfortable in bonds or fixed income have seen those returns near 40-year lows. As we look ahead to the new year and work with clients to build out diversified portfolios, we want to spend a little time unpacking bonds and helping you understand the pros and cons for investing in individual bonds versus bond funds. Laura Stover, RFC® and Michael Wallin, CFP® will discuss the f...
Annuities are Continuing Their Record Breaking Year
December 14, 2022 11:00 - 33 minutes - 30.7 MBAnnuities have experienced drastic growth in 2022 as investors look for guaranteed income during a market correction, but should you be allocating money into fixed index annuities or other options? One of the goals of this show is to provide perspective on financial news and trends because what people think they know and what they perceive about things isn’t always accurate, and that’s what we’ll explore today. The problem with this sudden rush into annuities is where did this money get pu...
4 Barriers to Break Down for a Successful Retirement
December 07, 2022 11:00 - 20 minutes - 28.5 MBNo matter how well you’ve planned, there’s going to be some level of uneasiness for retirees when the economy struggles like it has over the past year. These volatile times motivate people to take the necessary steps to protect their retirement and proper planning can help you do just that. Because the market has been so healthy over the past decade or more, many people have gotten complacent and have stuck with their investment allocation. They haven’t taken the time to explore and unders...
Why Fixed Index Annuities are Back
November 30, 2022 11:00 - 31 minutes - 42.9 MBWe’ve experienced a lot of market volatility this year and a tremendous rise in interest rates, and people are looking for ways for their dollar to grow to combat inflation. As people explore options for diversifying their portfolio, annuities are becoming a part of that conversation more and more. In this episode, Laura Stover, RFC® and Darlene Tucker, CFP® will discuss the pros and cons for Fixed Index Annuities (FIA) and use a recent article by David Blanchett to do that. The FIA is a...
After a Pandemic, Is Long-Term Care Important to Retirees?
November 23, 2022 11:00 - 32 minutes - 29.6 MBThe COVID pandemic has changed so much of our perspective on life but will it help drive people to pay more attention to the need for long-term care? At the onset of the pandemic in 2020, the last place you’d want to be is trapped in a nursing home, which is why we want to highlight this pillar of the planning process on this episode. Laura Stover, RFC® and Michael Wallin, CFP® will try to answer those long-term care questions and help determine whether retirees need LTC policies coming o...
Mutual Fund Taxation and Capital Gains
November 16, 2022 11:00 - 29 minutes - 40 MBAs we prepare for the end of the year, there are numerous financial conversations that will happen as part of the Redefining Wealth® planning process and we want to get you thinking about one of those on this episode. Many people have sold out of investments this year to move into cash because of volatility and uncertainty, and those choices will have an impact on your taxes for the next year. But even if you’ve been holding your mutual funds throughout the year, you still might have ...
2022 – The Year in Review – What Lies Ahead?
November 09, 2022 12:00 - 31 minutes - 29.2 MBNot many people expected 2022 to turn out the way it has from an economic standpoint as inflation, rising interest rates, and market declines have been in the headlines all year. The uneasiness has people asking us to explain how it got to this point and when we’ll start to see a turnaround. We’ll try to do that on this episode as Laura Stover, RFC® and Michael Wallin, CFP® will spend some time touching on a few of the things they discussed with clients during a recent Investor’s Forum. Wh...
Unprecedented Times
November 02, 2022 10:00 - 34 minutes - 31.6 MBThe steep decline in the stock market and rising inflation is impacting all Americans but no one is feeling it quite like people that are nearing retirement or those that recently made the transition to retirement. The drop in account value paired with the decline in purchasing power can create a lot of uneasiness about retirement. On this episode, Laura Stover, RFC® and Michael Wallin, CFP® will help you get a better grasp on retirement income and how vulnerable it is to these unpreceden...
What to Know About Financial Advisor Fees & Costs
October 26, 2022 10:00 - 33 minutes - 30.7 MBWith all the volatility this year, there are a lot of individuals re-examining the value their advisor brings in. Without knowing every option and without understanding how different financial services are structured, it can be difficult to truly evaluate your performance. That’s why we want to provide a clear breakdown of what fees and costs advisors typically charge. We’ll start today’s discussion with Laura Stover, RFC® and Darlene Tucker, CFP® by unpacking the fees that you’ll ofte...
How Big of a Threat Does Inflation Pose to Your Retirement?
October 19, 2022 10:00 - 27 minutes - 25 MBThere’s nothing quiet about the impact inflation is having on Americans right now, but inflation has long been considered the silent killer for retirement because of its ability to slowly erode your nest egg over time. If you aren’t properly prepared to offset the year-to-year decrease in purchasing power, it might mean trouble for your retirement down the road. On this episode, Laura Stover, RFC® and Michael Wallin, CFP® will dive into everything surrounding inflation to help you underst...
Will This Be Another Lost Decade for the Stock Market?
October 12, 2022 10:00 - 30 minutes - 27.6 MBComing off an incredible decade of growth and returns in the stock market, the feeling among investors isn’t nearly as optimistic in 2022. Darlene Tucker, CFP® joins Laura Stover, CFP® on the show today to help us look forward and determine what lies ahead for the market as the economy comes to a halt. While many things feel similar to the lost decade of the 1970s, there are some notable differences like our declining dependence on foreign oil and supply chain issues that might indicate a be...
Navigating Market Volatility
October 05, 2022 10:00 - 29 minutes - 40.3 MBIt’s difficult to feel settled when markets are falling and uncertainty clouds the future, but we know that corrections are a normal and essential part of the cyclical nature of the market. They release pressure on markets when equities rise too fast, but that doesn’t ease our mind when we’re in the midst of the turbulence. What can help, however, is maintaining the right perspective. Having a comprehensive plan can really paint the bigger picture and help bring the long-term back into fo...
Are iBonds Good to Have Right Now?
September 28, 2022 10:00 - 31 minutes - 43.2 MBIn a year that’s been highlighted by uncertainty and volatility, iBonds have risen in popularity thanks to a guaranteed interest rate that’s been on the rise alongside inflation. Being able to generate a return of over 9% on your cash is pretty appealing, but should iBonds be a part of your portfolio right now? Laura Stover, RFC® and Michael Wallin, CFP® will break it all down on this episode and help you understand all of the important details about iBonds, which we didn’t hear much abou...
The Perfectly Imperfect Investor
September 21, 2022 10:00 - 30 minutes - 42.2 MBWhen it comes to the world of investing, critiquing prior financial choices is a very common practice and it leads to us falling into the trap of hindsight bias. Studies have shown that people will go back and change opinions after the fact and then form new ones that more closely match how reality unfolded. It’s how we justify our past decisions and why it can be so difficult for investors to make better decisions moving forward. So many of the actions we take are based on yesterday’s hea...
3 Mistakes of a DIY Investor
September 14, 2022 10:00 - 33 minutes - 45.4 MBMost people enjoy being in control of their life and it’s hard to let go when it comes to money. That’s why it’s not a surprise that the do-it-yourself approach has cropped up everywhere over the past decade, but is DIY investing a successful strategy? We’re going to explore the idea of building your own retirement plan with a special co-host today, Darlene Tucker, CFP®, who is a colleague and a close friend of ours. We’ve found that the typical DIY investor is a well-educated professi...
The Fed is Tanking the Market
September 07, 2022 15:49 - 27 minutes - 37.7 MBThe common theme in the market this year has been volatility, and that hasn’t slowed down at all throughout the summer. The month of August saw the S&P 500 drop 4.2 percent after four straight days of declines, which was driven by the expectations stemming from the Fed’s plan for tight policy. We learned more about that during Fed Chair Jerome Powell speech at a conference in Jackson Hole where he spoke on monetary policy and price stability. The question getting now is when will the vo...
National Debt, Rising Taxes, and Inflation: Is Your Retirement Ready for What Lies Ahead?
August 31, 2022 10:00 - 32 minutes - 45.1 MBMost people don’t understand the connective tissue that exists between government spending and how that impacts us all because it’s our responsibility to pay that money back. David Walker, the seventh Comptroller of the United States, is one of the handful of well-respected experts that are telling us that America is facing large economic problems due to recent fiscal policy and growing national debt. As Walker points out in his latest book, becoming a global superpower requires a country...
What is a Safe Rate in Retirement?
August 25, 2022 11:00 - 31 minutes - 42.7 MBAfter years and years of saving money, there will come a point where we need to make withdrawals for retirement income and have to begin taking money out of those IRA accounts and those qualified accounts. The question many pre-retirees and retirees have is how do you know how much you can pull out and spend safely? This is a topic that’s very relevant to anyone approaching retirement, but even if you don’t think you’ll need to take money out of these accounts any time soon, you absolutely...
Managing Sequence of Return Risk
August 17, 2022 13:00 - 34 minutes - 48 MBWe began the discussion on sequence of return risk on our last podcast and we want to continue addressing some key components to this risk. Not understanding how this impacts your portfolio can present a real threat to your retirement. In this part of our discussion, we’ll explore the four general spending and investing techniques for managing sequence of returns risk that Dr. Wade Pfau talks about. Plus, we’ll run through the Four L’s (longevity, lifestyle, liquidity, and legacy) that i...
Understanding Sequence of Return Risk
August 10, 2022 10:00 - 30 minutes - 41.5 MBUnderstanding the sequence of return risk in your portfolio is one of the most important things we can learn about while planning for retirement and yet there is not enough conversation out there on this topic. We need to understanding this risk even more now with a disappointing job report and the current market volatility. So, what is sequence risk then? It’s the risk that comes with the order in which your investment returns occur. In other words, if the market dips early in your re...
The Fed Was Wrong
August 05, 2022 10:00 - 32 minutes - 45.3 MBBelieve it or not, the Fed was wrong. It turns out the inflation we’ve been experiencing is not transitory. They thought these high prices would stick around for six months or less. However, that’s certainly not the case and consumer sentiment is very low. With this low confidence it’s expected we’ll continue to see market volatility. So, what can investors do now to protect their portfolios? If you are in retirement or nearing retirement, you need a flexible and predictable framework. Wi...
Annuities Vs. Bonds: What’s the Difference?
July 29, 2022 10:00 - 32 minutes - 44.1 MBWe are continuing our discussion this week on annuities and the value they have with a balanced portfolio. We’ll focus specifically on the differences between annuities and bonds with our special guest host, Joe Casey. An annuity is a contract with an insurance company that ensures income in the future. It’s simple and can be valuable to the right investor. On the other hand, bonds are a bit more complex and are reactionary to interest rates. Join us today as we break down these differenc...
The Relationship Between Interest Rates and Annuities
July 22, 2022 10:00 - 36 minutes - 49.7 MBWe’ve been discussing the market and the volatility investors have been experiencing all year long. With this bear market many investors are wondering if they should move to cash because it’s safe. But, with 9.1% inflation rate we need to consider how to balance our portfolio. So, what are some alternatives when it comes to building our income plan? On the other hand, annuities can be a benefit to many investors, when used properly. However, rising interest rates impact this investment too...
Is the Stock Market Going to Recover in the Back Half of 2022
July 15, 2022 10:00 - 32 minutes - 44.6 MBThe S&P just had its worst half since 1970. With these jarring numbers, every investor is wondering if the stock market is ready to recover in the back half of 2022? None of us can know exactly when the market will recover, but there are some signs we can explore that may give us some insight into the rest of the year. Obviously, the biggest issue our economy is currently facing is inflation. With the highest rate of inflation since 1980, the Federal Reserve is raising interest rates ...
How to Manage Investor Misperceptions and Behavior Biases
July 08, 2022 10:00 - 29 minutes - 40.7 MBMany of us are desperate to get back to normalcy, especially because of what we’ve experienced over the past two years. But the market seems to keep reminding us that everything isn’t exactly normal and unfortunately, we’ve been in correction mode all year long. On today’s episode, we’ll break down a recent article that explores investor misperceptions, behavior biases, and how these factors hurt our portfolios, especially in times like these. Loss aversion bias probably harms investors t...
Why Volatility is the Wrong Measure of Investment Risk
June 24, 2022 10:00 - 28 minutes - 39.3 MBDo you truly understand the difference between volatility and risk? Modern portfolio theory was trademarked in the 1950s and is often still used today in our industry. This approach is still viable today and highlights understanding portfolio risk and the proper way to measure volatility. Standard deviation is a mathematical formula we use to measure and estimate risk. While it doesn’t address all major risks, it’s an essential part of protecting your portfolio and following the Redefining W...
Shock Test Your Retirement Plan
June 17, 2022 10:00 - 35 minutes - 48.4 MBNow more than ever, people are realizing the importance of a long-term financial plan. Things can threaten your plan seemingly out of nowhere. A year ago, inflation was hardly a topic of concern, but looking at today’s market has a lot of us worried about the future. As a way to combat rising inflation, the Fed is looking to raise interest rates which could impact our portfolios even more. So, how do we protect our wallets and ensure our shock proof our retirement plan? If you’re getting c...
What’s Happening in the Market and Where is it Going from Here?
June 10, 2022 10:00 - 35 minutes - 49.4 MBWith the current volatility trends in the market, many of us are wondering what to expect in the coming months and years. The S&P is down over 20%, inflation is on the rise, and consumers are concerned. The reality is that many investors are facing major losses. Conservative investors are even experiencing volatility in their fixed-income investments. Despite these fears, the economy is doing well and while we don’t know for certain whether a recession will occur, we know we don’t have a mar...
How to Find An Unbiased Independent Advisor
June 03, 2022 10:00 - 24 minutes - 33.7 MBWith 2022 starting out with a lot of volatility, a lot of people are rethinking their portfolio approach. Maybe you are ready for a new advisor or perhaps you are reaching out to a professional for the first time. In any case, how do we go about finding unbiased and independent advisors in such a large industry? On today’s episode, we’ll discuss some of the key components a balanced and competent advisor should have. Retirement planning is about a lot more than investment performance. Thr...
Income Planning and Personalized Retirement Strategies
May 27, 2022 10:00 - 31 minutes - 43.8 MBOne of the most important components of everyone’s retirement plan is their personalized income plan. So, on today’s episode, we are going to break down the advice of two experts in the financial industry: Wade Fouad and Michael Kitces. Determining how to efficiently tap into your lifelong savings is one of the most important life decisions you are going to make. Choosing an income strategy that mirrors your preferences is key to the Redefining Wealth Process℠. When you enter retirement, ...
Why is the Market Going Down?
May 20, 2022 10:00 - 32 minutes - 45.1 MBWhile the data shows a healthy economy (job growth, consumer spending, and business investments are all up) the market is still on a downward trajectory. So, what is causing this decline? Is it Russia’s fault, inflation’s fault, the Fed’s fault, or some other factor? On today’s episode we are going to break down why the market is going down and the key indicators you need to keep your eye on to ensure you are on the right financial planning path while following the Redefining Wealth Process℠...
Do You Want Real Financial Security? Don’t Follow the Status Quo
May 13, 2022 10:00 - 30 minutes - 41.7 MBEveryone has in their mind the concept of designing an ideal retirement savings portfolio, but should you be blindly following the same methods that people have always used? Large institutions have been telling people for decades to pump money into their tax-deferred retirement accounts, keep cash in the bank, and get your mortgage paid off. But will these status quo methods help you achieve the financial security you dream about? The Redefining Wealth Process℠ is all about taking a compre...
Does Your Retirement Have a Proper Income Plan?
May 06, 2022 09:00 - 37 minutes - 51.1 MBWe spend so many years of our lives working to save and accumulate assets to create financial independence for ourselves, but most people don't realize you must plan on how you will spend during retirement. Transitioning from accumulation to the preservation and distribution phase can be a challenge. Do you have the ability to shift your financial mindset from saving to that of income? Having a custom income plan is critical to long-term success and sustainability throughout retirement. ...
The Yield Curve Just Inverted...Now What?
April 29, 2022 10:00 - 33 minutes - 45.9 MBWith rising inflation and now an inverted yield curve, are we headed towards a recession? The interest rate paid on our short-term debt has exceeded the interest paid on our long-term debt of the same quality. So, what does this mean for investors? On today’s episode we’ll unpack the inverted yield curve, the concerns investors should be aware of, what to anticipate for the remainder of the year, and the strategies you can implement to protect your plan now and in the future. This inverted ...
What is Inflation and What Causes It?
April 22, 2022 10:00 - 38 minutes - 52.6 MBPrices have been steadily climbing for some time now. What is driving this unprecedented increase in inflation and how can you insulate your financial future from these black swan events? Many retirees are aware of risk and volatility within the market, but inflation itself can be a silent killer that lowers your future buying power when it comes to things like gas, groceries, and health care costs. We have recently hit a 40-year high with inflation at 8.5%. Most experts still expect us t...
2023 Tax Proposal and The Looming Financial Crisis
April 15, 2022 10:00 - 39 minutes - 53.7 MBCould Joe Biden’s new tax proposal impact you and your retirement plan? On today’s episode, we’re breaking down Joe Biden’s proposal of a 20% billionaire tax, the looming financial crisis, and what you can do to protect yourself and your future against rising taxes. The billionaire tax proposal is expected to reduce the deficit over the next decade. However, this is coming after a $3.9 trillion dollar spending bill, meaning the proposed reduction from the billionaire tax would only be a tiny...
The Importance of an Estate Plan, Part 2
April 08, 2022 10:00 - 44 minutes - 61.6 MBAnywhere from 50% to 60% of Americans don’t have a will. Does this surprise you? However, more and more people are becoming more aware of the 6th pillar of the Redefining Wealth Process, estate planning. On today’s episode, we are continuing our conversation on estate planning and why it’s so important for you and your family. We will explore the key documents you need to consider when building out your estate plan and the types of trusts that may be applicable to your situation. Your...
The Importance of an Estate Plan, Part 1
April 01, 2022 10:00 - 28 minutes - 39.4 MBNo matter your age, having an estate plan is something we all need to think about. On today’s episode, we’ll explore the importance of having an estate plan and some things you may not be considering when it comes to that plan. Over the past few years, we’ve certainly seen that things can change quickly. Keeping our essential documents updated is more important than ever. A will is a legal document that spells out your wishes when it comes to the care of your children or the distribution ...
Buy and Hedge Retirement Planning with Jay Pestrichelli
March 25, 2022 10:00 - 40 minutes - 55.5 MBIf you’re trying to build wealth, sharp market downturns can be your biggest enemy. But these downturns are not uncommon and we want you to be prepared to overcome these market dips. On today’s episode, esteemed money manager, Jay Pestrichelli joins us to discuss buy and hedge retirement planning. He’s the author of Buy and Hedge as well as the owner and co-founder of ZEGA Financial. Over the long term the market usually performs well, yet with all the volatility we’ve seen throughout the...
The Financial Planning Process
March 18, 2022 10:00 - 31 minutes - 43.2 MBWe discuss many different money management tools on our show but having a defined process is perhaps the most important thing investors need to consider when constructing their plan. Having a process allows you and your assets to perform at peak capacity. Customized to each individual a process should cover your income needs, investments, tax planning, estate planning, and liquidity. While many of us may be tempted to chase the market, we want to ensure we have a consistent rate of return, ...
How Does a ‘Tail Hedge’ Protect You During an Uncertain Market?
March 11, 2022 11:30 - 33 minutes - 46.5 MB‘Heads I win, tails you lose.’ In this uncertain time, investors are facing a lot of volatility. We often discuss using tactical management and algorithms to prevent losses but what other tools are available? How can we win when the market goes up and when the market goes down? We can always be certain the market will do one of three things: go up, go down, or go sideways. So we have to prepare and properly protect ourselves for all three outcomes. On today's episode, we'll discuss the value...
94. Volatility in 2022 Market Update
March 04, 2022 11:00 - 34 minutes - 47.9 MBSpecial Guest, CFA, Portfolio Manager David Wagner of Aptus Advisors, joins us on today’s episode to discuss the various factors contributing to market volatility in 2022. As a portfolio manager David is constantly studying the market, understanding the impact it has on investors. Should we expect a recession? What will bring down inflation? David will share his expertise on these topics and more during our show. The market has been in a tailspin and a lot of factors are playing into this. ...
Income Tax Season: Try Income Tax Planning Instead
February 25, 2022 11:00 - 30 minutes - 41.8 MBAre you dreading this upcoming income tax season? It may be time to switch from tax preparation to tax planning. Strategic planning can reduce your overall tax burden, making this time of the year a lot less stressful. You should be working with a tax professional that is a part of your overall financial planning team. One of the first steps in tax planning is projecting your future income. This means looking at your accounts, tax brackets, and your projected taxes with an as-is scenario....
Volatility: The Retirement Killer
February 18, 2022 11:00 - 32 minutes - 44.9 MBJanuary ended up being a pretty volatile month in the market. With inflation, geopolitical tension, and rising interest rates we may see more volatility in the near future. What is the danger this poses to our retirement? A fear of outliving your money coupled with recency bias can lead to an unbalanced portfolio. Portfolio failure, running out of money in retirement, is directly related to volatility. However, there are tools and strategies to navigate a choppy market. Think of standard ...
How to Defend Against a Bear Market
February 11, 2022 11:00 - 36 minutes - 50.8 MBAs we’ve seen in the past month, volatility is back in the market. Why are we seeing this volatility and what can we do to protect our retirement plan? We’ve seen some robust gains in the past few years, but that might soon be changing. With changes from the Fed, interest rate hikes, and geopolitical tension the market is likely to see more ups and downs. In most cases, people aren’t great at making decisions under pressure, especially when it’s an emotional choice dealing with their own ...
The 401(k) Has Been a Complete Disaster for Americans
February 04, 2022 13:00 - 30 minutes - 41.9 MBFor many of us a 401(k) is our primary saving tool for retirement. So, why is the 401(k) now being considered a disaster? Most people don’t have a lot of background in investing when they start saving, defaulting instead to the guidance of their employers. Originally developed to be a bonus in accordance with a pension, the 401(k) was not designed to be a stand-alone account to depend one’s retirement on. However, that's where many people's financial plans stand today. Consequently, 401(k...
The 7 Principles of a Perfect Portfolio
January 28, 2022 11:00 - 35 minutes - 49.1 MBThere is no perfect portfolio that will fit everyone’s needs. Instead, we must ask ourselves what the perfect portfolio looks like for our individual lives. The market is a risky endeavor, so you really need to understand how much volatility you are comfortable with and how much is necessary to support the longevity of your retirement. Not everyone will look at risk in the same way. You'll need to think about the entire framework of your plan, updating it when necessary. In order to start bu...
What You’re Really Worried About When You’re Worried About Money
January 21, 2022 11:00 - 30 minutes - 42.5 MBEveryone has worries in life, especially when it comes to money. Does money have the power to change your life? It certainly can take care of our basic necessities. However, worrying too much can lead to questionable decision-making and unhealthy levels of stress. An obsession with your bank account may be a sign of deeper anxieties that money can’t solve. If you feel this way you are not alone, especially in today’s world. People may react to returns in their portfolio by taking on more ...