Unleash Your Wealth
151 episodes - English - Latest episode: 2 days ago -“Unleash Your Wealth” is dedicated to empowering the investor and retirement saver with the information they need to expect more from their financial advisor. Raj Shah is the president and founder of SC Wealth Advisors in Chicago, Illinois. He and his team have more than a half a century combined experience working for their clients!
Learn more about Raj and his team at https://scwealthadvisors.com
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Episodes
A new way to look at allocation
March 27, 2023 07:00 - 6 minutes - 5.65 MBWhat mix of stocks-to-bonds or risk-to-safety makes you feel comfortable? Raj and Rick look at an interesting new idea. See omnystudio.com/listener for privacy information.
What can we learn from the recent bank failures?
March 20, 2023 07:00 - 8 minutes - 7.7 MBThe recent failures of Silicon Valley Bank and Signature Bank will rattle your confidence in the banking system. What do we need to know and what is the main take away from this unfortunate event? See omnystudio.com/listener for privacy information.
The upside of interest rates going up again
March 13, 2023 15:06 - 9 minutes - 9.06 MBThe Fed keeps raising interest rates to fight inflation. It is adding volatility to the stock market, but it’s also adding a new option for retirement savers that they haven’t seen in almost 20 years. See omnystudio.com/listener for privacy information.
Are you tired of watching your money bounce up and down?
March 06, 2023 08:00 - 7 minutes - 6.86 MBThe headlines are calling for another market pullback. If you are getting close to retirement, how do you prepare? See omnystudio.com/listener for privacy information.
Interest rates are up. Do you know where to go to take advantage of them?
February 20, 2023 08:00 - 11 minutes - 10.8 MBIt’s been 20 years since interest rates have reached 5%, but here we are. What’s out there and how do you choose? See omnystudio.com/listener for privacy information.
Is there a better choice in your 401(k) than a Target Date Fund?
February 13, 2023 08:00 - 5 minutes - 5.37 MBTarget Date Funds were designed to move to less risk as you get toward retirement. Do they work or is there a better way to manage risk? See omnystudio.com/listener for privacy information.
Is it possible to DIS-inherit Uncle Sam?
February 09, 2023 08:00 - 9 minutes - 8.42 MB03No one wants to work their whole life, send money down to their children and see a huge chunk of it go to Uncle Sam. How can you avoid it? See omnystudio.com/listener for privacy information.
How to test if your retirement will be successful
February 06, 2023 19:05 - 10 minutes - 9.9 MBDo you have the right amount of risk-to-reward? Do you have a strategy for taxes, social security, and income? What are all the elements you need to go into retirement? See omnystudio.com/listener for privacy information.
My retirement plan is simple, but is it complete?
January 23, 2023 14:32 - 6 minutes - 6.09 MB25% of people in a recent study said their plan is to sinmply just save as much as they can and file for social security. Is that enough? See omnystudio.com/listener for privacy information.
How many holdings do you need to be truly diversified?
January 16, 2023 08:30 - 8 minutes - 8.03 MBMom told you not to put all your eggs in one basket. It’s true with your financial accounts. But how many holdings do you need? Some say 30, others 200. What’s right for you? See omnystudio.com/listener for privacy information.
What a fresh set of eyes can discover
December 05, 2022 08:00 - 10 minutes - 9.83 MBThis is the time of year to look back and reflect. You should do the same with your retirement plan. Uncover what’s working and what isn’t. See omnystudio.com/listener for privacy information.
A valuable lesson we can learn about retirement from the wealthy
November 22, 2022 14:30 - 5 minutes - 5.42 MBHow will you be paid in retirement? Most of us will have Social Security and one other source. Can you build more pay checks in retirement? See omnystudio.com/listener for privacy information.
No pension? No problem.
November 14, 2022 08:00 - 7 minutes - 6.6 MBMany of us will enter retirement without the security of a pension. How can you develop that monthly paycheck with a 401(k) or IRA? See omnystudio.com/listener for privacy information.
Putting your 401(k) on auto pilot with Target Date Funds
October 31, 2022 15:43 - 6 minutes - 6.04 MBTarget Date Funds are supposed to move to less risk as you get closer to your retirement date. Does the concept work and is it working in this market? See omnystudio.com/listener for privacy information.
What may be the next market opportunity
October 24, 2022 13:49 - 5 minutes - 5.24 MBWhen inflation starts to wane, markets go up. Are we seeing any signs? See omnystudio.com/listener for privacy information.
There’s a bull market somewhere, you just need to find it.
September 27, 2022 21:30 - 9 minutes - 8.84 MBMost of the major indexes are down for the year; so are bonds and many of the tech stocks. Historically when one area is down, there is another that is up. We talk about what’s working, and what’s not. See omnystudio.com/listener for privacy information.
When your risk money and safe money are both losing
September 19, 2022 15:28 - 5 minutes - 5.35 MBYou structure your retirement money so that when the market goes down you have a buffer of bonds. What are your options if that side of your portfolio is also losing money? See omnystudio.com/listener for privacy information.
How much income will you need in retirement?
September 12, 2022 14:18 - 6 minutes - 6.4 MBYour house, car, and credit cards are all paid off, so you should be set for retirement, right? Not so fast. None of those things provide you INCOME in retirement. Ask yourself, how much will my retirement savings mean to me PER MONTH when I retire? See omnystudio.com/listener for privacy information.
The advantage of early planning
August 29, 2022 15:20 - 7 minutes - 6.59 MBWorking with a financial advisor a few years before your retirement date gives you more options to fix past mistakes, income gaps, and to get you on track to achieve your goals. See omnystudio.com/listener for privacy information.
The Fatal Flaw in retirement plans
August 22, 2022 07:00 - 5 minutes - 5.12 MBThere are 3.27 trillion dollars invested in these “flawed” 401(k) funds. Are you a part of this group? See omnystudio.com/listener for privacy information.
Ignoring the financial noise
July 25, 2022 07:00 - 7 minutes - 6.81 MBThere are many opinions on whether we are at the beginning, the middle, or near the end of a recession. Who should you believe and how should it affect your planning? See omnystudio.com/listener for privacy information.
Is the 60/40 stock-to-bond portfolio still viable?
July 18, 2022 07:00 - 5 minutes - 5.27 MBWall Street has held up the 60/40 mix of stocks-to-bonds as a model portfolio. But that allocation on average has lost 15-20% this year. Is it just a bad year, or is 60/40 no longer a good option? See omnystudio.com/listener for privacy information.
Market turmoil. Where’s the bottom?
June 20, 2022 15:04 - 9 minutes - 8.36 MBManaging your retirement money seems easy when the market is going up. But all that has changed. How do you protect your life savings in a falling market and an economy that may be headed for a recession? See omnystudio.com/listener for privacy information.
Has this market bottomed out yet?
June 07, 2022 19:23 - 7 minutes - 6.59 MBThere are many that say we are not out of the woods yet. If that is true, where do you go for protection and the next opportunity? See omnystudio.com/listener for privacy information.
Where do you go to protect your money in a falling market?
May 30, 2022 07:00 - 6 minutes - 14.8 MBStocks for growth, bonds for protection. What if they are both losing money? Where do you go?
Figuring out your income for retirement
May 02, 2022 07:00 - 6 minutes - 15.6 MBThe formulas say you’ll need 80% of your working year’s income to be comfortable in retirement. Is that reliable?
As interest rates go up, are there new financial strategies to consider?
April 25, 2022 07:00 - 5 minutes - 13.3 MBAs interest rates go up, some of those traditional conservative financial vehicles might look more appealing. Is this the time to give CDs, Bonds, and annuities a fresh look?
Wall Street fund manager FAIL!
April 11, 2022 07:00 - 8 minutes - 20 MBThe report card for last year is in, and Wall Street’s best and brightest can’t seem to beat the market. If they can’t do it, how can you? Or should that even be the goal?
How are you dealing with this up-and-down market?
March 07, 2022 08:00 - 10 minutes - 23.4 MBCovid, The Fed, Inflation, Politics and now Russia. The stock market is dealing with a lot. How are you dealing with losing money in your retirement accounts and what can you do about it?
When a loss becomes a real loss
February 21, 2022 08:00 - 5 minutes - 12 MBWall Street says, “It’s not a loss until you sell it.” Is there a strategy to live off your money, but not sell assets in retirement?
Is this a good idea to protect your money?
February 14, 2022 08:00 - 8 minutes - 19.3 MBOne financial analyst thinks now is a time to have a large portion of your holdings in cash and bonds.
The Financial Advisor versus the Retirement Financial Advisor
February 07, 2022 08:00 - 7 minutes - 18.1 MBDoes your financial advisor have the right skill set for what’s ahead for you in retirement?
Stress testing your money for change
January 24, 2022 08:00 - 9 minutes - 21.4 MBInflation, interest rates, taxes, the markets, and the Fed…there is a lot changing right now. Is your portfolio ready?
Do you have a financial resolution for 2022?
January 10, 2022 08:00 - 6 minutes - 15.7 MBOver 70% of people who make financial resolutions, keep them. Will you be one of them?
Social Security Shocker
December 17, 2021 16:11 - 6 minutes - 14.2 MBYou paid taxes on the money that goes into Social Security from your check. Will you pay taxes on it again when you get it in retirement?
Your retirement accounts are up. Why are you still worried?
December 06, 2021 08:00 - 9 minutes - 20.7 MB1 in 10 Americans now have saved 1 million dollars. Why are those people still worried about retirement?
Inflation goes from 2 to 6.2%. Do you have a plan for that?
November 22, 2021 08:00 - 8 minutes - 19.7 MBRising prices are forcing many people to make hard decisions. That’s not what you want in retirement.
Market money planning with all the uncertainty
November 15, 2021 08:00 - 6 minutes - 15.8 MBThe numbers show we have a significant market pullback every 7 to 8 years. If that happens 3 to 4 times in retirement, can you really afford that risk?
Is cash a good idea or is it holding you back?
November 08, 2021 08:00 - 5 minutes - 13.7 MBIs having cash on the sidelines a good strategy to protect your money from a market pull back?
Having control during unpredictable market events
October 25, 2021 07:00 - 9 minutes - 22.5 MBHow do you protect your money against unforeseen events like crashes, inflation, and pandemics?
Watch out! Congress wants to change the rules on the Roth IRA
October 18, 2021 07:00 - 8 minutes - 19.2 MBThere are many proposals being considered in Congress about taxes. Some of them may change how you access your retirement money.
Keeping up with inflation. What’s the answer?
October 04, 2021 07:00 - 6 minutes - 15.9 MBOne source says, to keep up with inflation you need more money in the market. Is that really the answer?
Will we become the most taxed country in the world?
September 27, 2021 07:00 - 9 minutes - 20.7 MBEvery week it seems Congress is sending out another trillion dollars. How long before those taxes trickle down to you?
Are you worried about taxes?
September 20, 2021 14:15 - 8 minutes - 18.5 MBThere are a lot of stories about government spending, and how higher taxes will pay for it. Do you have a strategy for rising taxes in your retirement plan?
Social Security advice is not always right
September 07, 2021 12:28 - 7 minutes - 16.3 MBOne study found the SSA office was giving out incorrect advice 82% of the time! How can you find out what’s right for you?
Does this market make you nervous?
August 23, 2021 07:00 - 5 minutes - 11.5 MBThe stock market seems immune to bad news. But will that last forever?
The four areas people say they want financial help
August 16, 2021 07:00 - 10 minutes - 23.4 MBSchwab asked people if they could see a financial advisor, in what areas would they want help. These are the top 4.
The new “How much do I need for retirement?” formula
July 26, 2021 07:00 - 6 minutes - 14.8 MBLook at your current take home pay. To succeed in retirement, will you need 50%, 75%, 100%, 125%? Is there a reliable rule?
Will Social Security be there for you in retirement?
July 19, 2021 14:24 - 5 minutes - 13.1 MBA new survey shows people are very worried about Social Security. If the benefits are pulled back, do you have a strategy?
As you plan for retirement, are you facing “The Perfect Storm”?
July 05, 2021 07:00 - 6 minutes - 13.9 MBEvery generation faces new retirement planning challenges. Will Baby Boomers have it the worst?