Money Wisdom

Building a solid income plan is a foundational piece of retirement planning and there are a variety of ways to create those income streams. One product that often comes up during meetings is the annuity because of its ability to produce guaranteed income to replace your paycheck, but is it a good choice for your portfolio?

Jake Doser, CFP®, CPWA® and Nick Colantuono, CFP® join the Money Wisdom podcast to dive into a question we received: ​a ​friend ​told ​me ​that ​I ​should ​think ​about ​an ​annuity ​for ​retirement ​income. ​What ​do ​I ​need ​to ​watch ​out ​for ​with ​these ​products ​while ​I'm ​shopping ​around? If you're considering annuities as part of your retirement strategy, this episode is worth watching.

Here’s what we discuss in this episode:

0:00 – Intro

1:29 – Today’s question

3:20 – Types of annuities

5:22 – Goals for your money

6:47 – Other considerations

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In a world where financial stability is paramount, many individuals are seeking ways to make their savings work harder without compromising on safety and liquidity. That’s why we want to tackle today from someone trying to generate greater yield: how can I earn more interest on $120,000 sitting in a bank account while maintaining safety and liquidity?

Jake Doser, CFP®, CPWA® and Nick Colantuono, CFP® join the Money Wisdom podcast to discuss various options, such as money market funds, short-term CDs, and fixed annuities, and emphasize the importance of aligning financial decisions with personal goals and overarching plans.

Here’s what we discuss in this episode:

0:00 – Intro

1:20 – Today’s question

2:30 – The why

3:22 – Goals for this money

4:55 – What options do you have?

7:06 – Tax considerations

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Retirement is a significant milestone in life, and preparing for it requires careful planning and strategic financial management. Knowing when to dial back the risk in your portfolio can help protect your portfolio and keep you on track in retirement. In the latest episode of the Money Wisdom podcast, financial planners Jake Doser, CFP®, CPWA® and Nick Colantuono, CFP® answer a question about when to adjust your investment strategy as you approach retirement.

Here’s some of what we discuss in this episode:

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The one constant in financial planning is change, especially when it comes to tax laws. The government is always adjusting tax laws and they’ve recently made some changes to the rules around retirement accounts. For people that have been saving for retirement, it’s important know how these changes will affect you and your family.

In this episode of the Money Wisdom podcast, Jake Doser, CFP®, CPWA® and Nick Colantuono, CFP® tackle the intricate subject of inherited IRAs and the ever-evolving tax laws that accompany them. As tax regulations change, it's crucial to stay informed and prepared to handle the financial implications that arise when inheriting retirement accounts.

Here’s some of what we discuss in this episode:

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Nearly everyone we talk to wants to know when is the ideal time to take Social Security, and that’s a natural question because they’ve been paying into it for a very long time. Clients not only want to start getting that money out but want to do it in the most efficient way so they can maximize their benefit.

Making the decision about when to start taking Social Security benefits is one of the most crucial financial choices you’ll face as you approach retirement. In this episode of the Money Wisdom podcast, Jake Doser, CFP®, CPWA® and Nick Colantuono, CFP® take you through the process for making this decision and how we approach it with our clients.

Here’s some of what we discuss in this episode:

The key ages for Social Security.

The viability of the system and the benefits.

One of the biggest questions we get asked is about break-even points.

Why taking them sooner might allow you to enjoy the money and continue to grow your assets for your heirs.

The other factors that play into your decision.

To aid in this decision-making process, Johnson Brunetti offers a helpful booklet on Social Security decisions. You can get your hands on this resource by texting the word "social" to 800-757-0436. This booklet can provide you with the information you need to make an educated choice about when to start taking your benefits.

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Most of the content we focus on for the podcast is stuff that can benefit people anytime they listen, but this week we want to focus more on the present and the pressing financial topics that everyone is thinking about. To help you better understand what is worth paying attention over the next four to six months, Nicholas Colantuono, CFP® joined the Money Wisdom podcast to discuss current economic trends.

Here’s some of what we discuss in this episode:

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One of the benefits of working with an experienced financial advisor is being able to lean on their years of working with retirees to help you avoid the same mistakes that many other people have made. We shared five of the most common planning missteps on our latest episode of Money Wisdom with Nicholas J. Colantuono, CFP®.

Here’s some of what we discuss in this episode:

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Hopefully all business owners enjoy the day when they can cash out on their hard work and spend time however they choose. If you’re fortunate enough to be in the position to sell your business for a nice lump sum, let’s make sure that money turns into sustainable income for your retirement. In the latest episode of the Money Wisdom podcast, Jake Doser, CFP®, CPWA® answers a question we received from a business owner who wants to know the best way to do that.

Here’s some of what we discuss in this episode:

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Most people are focused on their family when it comes to planning, and there are some primary issues that need to be addressed ahead of time. In the latest episode of the Money Wisdom podcast, Jake Doser, CFP®, CPWA® joins the show to tackle critical issues head-on. This episode offers a wealth of knowledge on managing finances in challenging times and ensuring a secure financial future for your loved ones.

Here’s some of what we discuss in this episode:

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It might seem a bit counterintuitive to hear reasons why you shouldn’t be putting money into your 401k, but there are times when it makes more sense to allocate that money elsewhere. In our latest episode of the Money Wisdom podcast, Jake Doser, CFP®, CPWA® will explore scenarios where a 401K might not be the optimal choice.

Here’s some of what we discuss in this episode:

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We’ve seen some turbulence in the market recently and that’s a time when fear begins to drive some investor decisions. It’s natural to let emotions creep in, but proper planning should help you maintain the right perspective on your investments. Even with the right planning, we’ll still hear from some clients who have questions or concerns. In our latest episode of the Money Wisdom podcast, Jake Doser, CFP®, CPWA® joined the show to share some of the responses we get from clients during volatile times and discuss our approach to navigating the ups and downs.

Here’s some of what we discuss in this episode:

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When you think about the bad habits that could negatively impact your finances, things like credit card debt and overspending your budget come to mind. Those are obvious ones, but we want to shine a spotlight on some of the most common financial bad habits that many people unknowingly practice. These habits, while seemingly minor, can have a significant impact on your financial health and future.

Nick Colantuono, CFP® joins the Money Wisdom podcast this week to discuss these habits that we want to help you avoid. Check out the show to learn how to identify and break these habits to ensure a more secure financial future.

Here’s some of what we discuss in this episode:

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It’s a gold medal edition of the podcast this week as we take a unique approach to financial planning by drawing parallels with the Summer Olympics. Nick Colantuono, CFP® joins the show to share insights that can help you navigate your financial journey with the precision and skill of an Olympic athlete.

Here’s some of what we discuss in this episode:

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We’ve all had an idea that we acted on without giving it much thought. That’s fine when you’re choosing dinner or picking out new socks, but it’s not the best approach to managing your finances.

In the latest episode of the Money Wisdom podcast, Matt Pastor, RICP® tackles the topic of "half-baked" financial ideas. These are the types of decisions that might seem clever at first glance but can have significant negative consequences if not thoroughly thought through.

Here’s some of what we discuss in this episode:

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Inherited IRAs can be a financial lifeline, but they come with their own set of complexities, especially with the rule changes introduced in 2020. If you've recently inherited an IRA or are planning for the future, understanding these changes and how to manage your inheritance effectively is crucial. In our latest episode of Money Wisdom, we sat down with Heath Grossman, CFP® to break down the ins and outs of inherited IRAs and offer strategies to minimize your tax burden.

Here’s some of what we discuss in this episode:

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It’s human nature to want to play the comparison game to find out how you stack up, especially when it comes to your finances. All that really matters is that you’re in good shape for the life that you want to create for yourself. But the comparison game is helpful for us to better understand our clients and their needs.

In our latest episode of the Money Wisdom podcast, Heather Atkins, CFP® shared some fascinating research focused on the financial planning needs of single women. Heather has spent time meticulously gathering data on 50 of our clients, all of whom are single women—either divorced, widowed, or never married. This episode is packed with insightful revelations that can empower women in similar situations to take control of their financial futures.

Here’s some of what we discuss in this episode:

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Have you ever dreamed of spending your golden years in a country abroad? The idea is becoming increasingly popular, but it comes with its own set of challenges and considerations. Luckily, we have the one and only Eric Hogarth, CFP®, here with us today to talk about some of the practical steps you’ll need to take to make this exciting idea a reality.

Here’s some of what we discuss in this episode:

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When people compare financial firms, they often focus on getting the best return on their investments. While that's certainly important, what they really need to be paying attention to is the big picture. While many firms focus only on investment management- handling stocks, bonds, and mutual funds- our approach extends to include insurance planning, investment strategy, legacy planning, and tax planning. In this week’s episode of Money Wisdom, Nicholas Colantuono, CFP®, joins us to talk about the role of tax planning in a comprehensive financial strategy.

Here’s some of what we discuss in this episode:

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Are you familiar with the term ‘moving the goalposts’? It happens when people change or adjust their targets after they’ve already been established, which is something that happens all the time with finances. Many people set financial goals or deadlines, only to find themselves shifting those targets, often to their detriment. This episode of the Money Wisdom Podcast with Jake Doser, CFP®, CPWA® sheds light on why it's essential to establish a solid financial plan and stick to it.

Here’s some of what we discuss in this episode:

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Financial planning is intricate and filled with potential pitfalls and mistakes that can have long-lasting impacts on your future. In the latest episode of the Money Wisdom podcast, Matt Pastor, RICP® breaks down the most common ways people make financial mistakes and provides valuable insights on how to avoid them.

Here’s some of what we discuss in this episode:

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Life is full of unexpected twists and turns, and some of these can have a significant impact on our financial well-being. Whether it's changing jobs, going through a divorce, receiving an inheritance, or dealing with the death of a spouse, each of these major life events requires careful financial planning. Heath Grossman, CFP® joins the Money Wisdom podcast to explore the essential financial considerations for these pivotal moments.

Here’s some of what we discuss in this episode:

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Losing a spouse is one of the most challenging experiences one can face. The emotional toll is immense, and the financial implications can be equally daunting. In our latest episode of Money Wisdom, Eric Hogarth, CFP® joins the show to offer insights and practical advice to help those navigating life after such a significant loss.

The stark reality is women are statistically more likely to outlive their husbands, which underscores the importance of financial planning tailored to the needs of surviving spouses, particularly women. We’ve had experiences with people that were well-prepared and able to embrace life after their spouse passed but others who really struggled with the change.

Here’s some of what we discuss in this episode:

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When it comes to financial planning, there are a few documents that are absolutely critical for ensuring that your affairs are in order, especially in unforeseen circumstances. One such document, which often doesn't get the spotlight it deserves, is the power of attorney (POA). In the latest episode of Money Wisdom, Heather Atkins, CFP®, CRPC®, discusses the importance of this legal instrument, particularly for women.

Here’s some of what we discuss in this episode:

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The financial planning calendar has its busy seasons. Things are typically busier at the beginning of the year for tax planning and towards the end of the year as people try to figure out what they need to get done before December ends. During the summer, there aren’t any deadlines necessarily so we’ll see things slow down a bit, and that’s a great time to take a closer look at your estate plan.

In this episode of the Money Wisdom podcast, Nicolas Colantuono, CFP® makes his first appearance on the show to talk about the importance of estate planning regardless of how much money you’ve saved or how many assets you own. Many of us dismiss it as something only the wealthy need to worry about, but we’ll dispel this myth and explain why it applies to everyone, regardless of their net worth.

Here’s some of what we discuss in this episode:

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The beauty of financial planning is that we can shift and make adjustments as life changes, but there are some decisions that aren’t reversible. From the moment you claim your Social Security to the type of pension benefits you choose and the life insurance policies you secure, every choice can dramatically alter your retirement landscape. On this week’s Money Wisdom podcast, Jake Doser, CFP® sheds light on the irreversible decisions that shape our financial future.

Here’s some of what we discuss in this episode:

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Are you standing at financial crossroads, pondering whether to stay with your current financial advisor or venture out in search of new pastures? Sometimes the grass appears greener in another pasture, but when are your concerns justified enough to make a change?

In our latest podcast, Matt Pastor, RICP® joins the show to dissect the 'grass is greener' syndrome that plagues many in the world of wealth management. We want to cut through the noise and offer clarity and a dose of reality to anyone who's ever second-guessed their financial advisory relationship.

Here’s some of what we discuss in this episode:

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Retirement is a milestone that many of us look forward to, but it comes with its own set of uncertainties. How do we plan for a future when we don't know how long we'll live, what the stock market will do, or the political landscape that will shape tax laws? The latest episode of the Money Wisdom podcast addresses these questions head-on.

Heath Grossman, CFP® joined the show this week to discuss the complexities of retirement planning with a focus on the unpredictable. When you look at uncertainties of planning, preparing for longevity, navigating stock market volatility, and anticipating changes in tax legislation are a few of the key challenges we have to address.

Here’s some of what we discuss in this episode:

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In the latest episode of the Money Wisdom podcast, hosts John Stillman and Jake Doser, CFP®, serve up a delicious 'acronym salad'—a mix of financial terms that often leave even the savviest investors scratching their heads. If you’ve ever stopped to think about what an acronym meant, this episode will help clear up some of the jargon. No matter how experienced you are with money, these acronyms can still cause plenty of confusion that these acronyms can cause.

Here are some of the acronyms we discuss in this episode:

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Have you ever wondered how becoming a grandparent might change your perspective on money and legacy? The latest episode of the Money Wisdom podcast features Joel Johnson, CFP, who has recently become a grandfather for the second time. His insights into the financial planning world, coupled with his new role in the family, provide a unique and heartwarming perspective on managing wealth for future generations.

Here’s some of what we discuss in this episode:

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Have you ever chuckled at the antics of Michael Scott on 'The Office' and thought, "What does this have to do with my financial future?" Well, it turns out, quite a bit! On the latest episode of the Money Wisdom podcast, hosts John Stillman and Matt Pastor, a Retirement Income Certified Professional on our team, take you on a delightful journey where sitcom laughs meet serious financial strategy.

Here’s some of what we discuss in this episode:

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We’re in the middle of another election year in our country and regardless of your politics, there’s always a little concern over the uncertainty of who will take office and how will markets react. People ask all the time about the impact election years have on investing and whether they should be looking to make changes. We are all driven by emotion as humans so it comes as no surprise that this can be a volatile time, but will it be?

In this episode of the Money Wisdom podcast, Heath Grossman, CFP® puts the emotions aside to take a look at what history shows us about returns when different parties are in office.

Here’s some of what we discuss in this episode:

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The bond market is often touted as a haven for investors seeking stability and safety. Yet, as with any investment, it is fraught with nuances that can make the difference between a secure addition to one's portfolio and one with unexpected downside. To help provide clarity on bonds and how they play into an investment portfolio, Jake Doser, CFP® joins the podcast to provide a foundational understanding for investors looking to harness their potential.

Here’s some of what we discuss in this episode:

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Financial planning for retirement is a crucial process that requires a strategic approach to ensure long-term security. All too often, however, people will get in their own way and make mistakes that were completely avoidable. In this week’s podcast, we’re going to talk about the most common examples of this with the guidance of Eric Hogarth, CFP®.

Here’s some of what we discuss in this episode:

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We’re in the middle of tax season and many people are still getting their paperwork together and wondering about ways to save money on last year’s taxes. The good news is there are ways to potentially save on your taxes even though we’re in a new year, and today we’re going to talk about how with Matt Pastor, RICP® on our latest podcast. This conversation is particularly beneficial for individuals who have just realized their oversight in contributing to their Individual Retirement Account (IRA).

Here’s some of what we discuss in this episode:

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When you find yourself amidst a career transition, be it by choice or circumstance, the path forward can seem fraught with financial uncertainty and healthcare coverage concerns. It's a time when the right advice can make a world of difference, which is why we brought Jake Dozer, CFP® onto the podcast to help navigate this stressful time.

Whether you're considering a shift to a new industry, pondering semi-retirement, or stepping into the realm of self-employment, it's essential to have a strategy that supports both wealth and health, and we’ll cover that in this episode.

Here’s some of what we discuss in this episode:

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There were a lot of things that were different back then, for maybe past generations, than they are for people retiring today. So we're going to talk about how things are different now than they used to be.

Gone are the days when retirees could rely solely on pensions and Social Security. Today, proactive planning is crucial for a sustainable financial future. The episode with Eric Hogarth, CFP®, highlights that Social Security was never meant to be the only source of income in retirement. With life expectancies increasing, the need for a robust strategy that accounts for a longer retirement phase is more important than ever.

Here’s some of what we discuss in this episode:

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We have a very timely conversation today as tax season is upon us once again and getting organized is top of mind. Either you're really happy with yourself because you already got your tax return done and filed and don't have to worry about it anymore, or you're still collecting documents and just worrying about it in general. Even if you’re getting a tax refund, you might still worry about doing  taxes. It's just not a fun process for most people. So we wanted to talk with Heath Grossman, CFP®, about what you can be doing to make this tax season as smooth as possible for yourself.

Here’s some of what we discuss in this episode:

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As market uncertainty looms, the question that plagues every investor's mind is when to overhaul their investment portfolio. The upcoming year looks like it could be filled with volatility once again, so how should your investments be positioned?

In our latest podcast, we featured Matt Pastor, RICP to discuss investment strategies and unpack the critical decision-making that comes with adjusting your assets in response to market shifts. With the focus on avoiding the classic blunders of buying high and selling low, Matt shed light on the importance of a proactive approach over a reactive one, especially as you sail towards the golden years of retirement.

Here’s some of what we discuss in this episode:

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Planning for a fulfilling retirement is a significant life milestone, representing the culmination of years of hard work and the dawn of a new, exciting chapter. But retirement planning goes beyond just financial security. It is a holistic process that also involves emotional well-being, nurturing social connections, and the pursuit of purpose.

In our latest podcast, Eric Hogarth, CFP® joined the show to discuss the approach to retirement when people are prepared and have a vision for what they want it to look like versus those that don’t have any idea. The vast majority of people we work with fall into that latter category, which is why we wanted to spend some time outlining the importance of knowing what you want the next chapter of life to look like.

Here’s some of what we discuss in this episode:

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We’ve all opened up a statement and seen the retirement income that’s projected from that account. Not every account has it but most do. The question is how much can you trust that number and can you base a retirement plan on what you see?

Retirement planning can be a daunting task, with numerous variables and uncertainties that can make or break your financial future. Understanding the intricacies of income projections and tailored strategies is essential to secure a comfortable retirement, and we brought Jake Doser, CFP® onto the podcast to help explain these projections a bit more.  

Here’s some of what we discuss in this episode:

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As women approach retirement age, it's crucial to understand the nuances of Social Security and its impact on long-term financial health. On our latest podcast featuring Heather Atkins, CFP®, CRPC® we will shed some light on this topic, focusing on why women tend to claim Social Security benefits at 62 and the implications of such decisions.

Here’s some of what we discuss in this episode:

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When it comes to retirement, understanding Required Minimum Distributions (RMDs) and staying ahead of them is important for financial success in retirement. In our latest podcast, Matt Pastor, RICP explains the intricacies of RMDs and sheds light on why early planning is essential.

Here’s some of what we discuss in this episode:

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Believe it or not, we still get a lot of questions about pensions. Just because there aren’t many private companies that are still offering pensions, there are still many people that had them at a job 20 years ago and they have a choice to make or they are retiring from a state employee job. Whatever the case, one of the questions that people are trying to work through is do I take the lump sum on this pension or do I take the monthly income for the rest of my life?

Heath Grossman, CFP® joins the podcast to walk us through that conversation because the answer won’t be the same for everyone. It needs to be a part of the broader retirement income plan and we’ll share a look into how to determine the best answer for you and your family.

Here’s some of what we discuss in this episode:

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Let’s talk a little bit about a fun topic that we haven’t covered on the podcast much in the past, which is buying cars. Pretty much everyone has a driver’s license and uses a car so it’s a topic that impacts most people. More importantly, buying a car is a large financial decision and making a smart purchase could save you significant dollars over time.

We brought Eric Hogarth, CFP® back onto the show to discuss the car-buying process and some of the things that you need to consider before you sign the check on your next car.

Here’s some of what we discuss in this episode:

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When it comes to investing, one of the most common concerns is how to achieve 'reasonable returns,' particularly as retirement approaches. The term 'reasonable' can be quite subjective and varies greatly from person to person. It's influenced by individual risk tolerance, financial goals, and the stage of life you're in. In the recent podcast episode of Money Wisdom, Jake Doser, CFP® will unravel the complexities behind crafting a personalized investment strategy that ensures retirement readiness without unnecessary risk.

Here’s some of what we discuss in this episode:

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Picking from a lunch menu will often give you the option to choose two items from a group. You might pick soup and a sandwich or a salad and a sandwich, but you just can’t select everything off the menu. That’s very similar to the investment world when you’re choosing between safety, growth, and liquidity. Designing an investment plan requires you to pick the two that you want to achieve so let’s talk about which investments help you achieve each of these.

Here’s some of what we discuss in this episode:

Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/

Contact our team: https://johnsonbrunetti.com/contact-us/ 

If you ask most people, they will tell you they’re excited for the day they can leave work and head into retirement. And while that’s a valid feeling, many of those same people aren’t prepared for life after a career that’s been at the core of their daily routine for decades. Whether you’re selling a business, retiring, or moving out of one career for another, let’s talk about the psychology of this life change and how it impacts people.

Here’s some of what we discuss in this episode:

Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/

Contact our team: https://johnsonbrunetti.com/contact-us/ 

You’ve probably heard about reverse mortgages and might even be considering one in retirement. It’s not a question we get all the time but it’s one where somebody is seriously considering it by the time they ask us to weigh in on it. In this episode of the podcast, Jake Doser, CFP® helps us better understand this product and why someone may or may not choose to use one.

Here’s some of what we discuss in this episode:

Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/

Contact our team: https://johnsonbrunetti.com/contact-us/

Part of managing your finances and making the best decisions for retirement is understanding how to best utilize the assets you have in your possession. One of the largest accounts most people have is their 401k and it’s impossible to ignore if you need to make larger purchases. But is it a bad idea to take out a 401k loan?

Here’s some of what we discuss in this episode:

Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/

Contact our team: https://johnsonbrunetti.com/contact-us/ 

We’re with Matt Pastor, a financial advisor on our team, to talk about life insurance and the need for it in retirement. Once you’ve earned enough to take care of your family and the kids are through college, do you still need to carry that policy? This is a great question and the answer will vary from person to person depending on your needs.

Here’s some of what we discuss in this episode:

Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/

Contact our team: https://johnsonbrunetti.com/contact-us/ 

Those final years leading up to retirement can be an incredibly exciting time but they can also stir up a little nervous energy. Have you done everything you need to? What should you be thinking about right now? In our latest podcast, we talked with Eric Hogarth, CFP® about the five years before retirement and what you need to do during that time.

Here’s some of what we discuss in this episode:

Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/

Contact our team: https://johnsonbrunetti.com/contact-us/ 

A question that many investors ask is whether they should be investing in ETFs or mutual funds. It’s a legitimate question because a lot of people don’t truly understand the difference between the two. In our latest podcast, we want to address the technical part of this question but do so with a less technical conversation.

Here’s some of what we discuss in this episode:

Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/

Contact our team: https://johnsonbrunetti.com/contact-us/ 

The concept of financial legacy means different things to different people. Some people might hear that and think about their will or estate documents, but that’s not what we’re talking about here. This conversation will be a little bigger picture and a bit more philosophical.

Here’s some of what we discuss in this episode:

Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/

Contact our team: https://johnsonbrunetti.com/contact-us/ 

Today we’re going to talk about how to handle the taxation on stock that isn’t in an IRA and gets inherited. For example, let’s say someone bought 100 shares of Apple stock in 1987 and they leave it to their kids when they pass away. How are you taxed on this stock? To help us answer the question, we’ve brought on Jake Doser, a financial advisor at Johnson Brunetti.

Here’s some of what we discuss in this episode:

Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/

Contact our team: https://johnsonbrunetti.com/contact-us/ 

Today we’re going to answer one of the two or three biggest questions that people tend to have about their retirement plan. As you look ahead to retirement and the largest expenses you might incur, long-term care will always be a part of that discussion. So does everyone need long-term care insurance?

This can be a broad conversation but it addresses one of the top concerns for retirees. For people that have planned properly and feel good about the income they have coming in for retirement, they want to identify areas where problems could arise and health issues and long-term care or assisted living is one of those areas that need attention.  

We brought Heath Grossman, CFP® onto the podcast to help you understand the different aspects of this conversation that ultimately guide you to an answer to this important question.

Here’s some of what we discuss in this episode:

Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/

Contact our team: https://johnsonbrunetti.com/contact-us/ 

The question we hope to answer today is does everyone need a trust? It seems that many people confuse the purpose of a will and a trust, but they aren’t the same thing and we’ll clarify that. Plus we’ll tell you who needs a trust and what the primary purpose of using this instead of a will.

Here’s some of what we discuss in this episode:

Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/

Contact our team: https://johnsonbrunetti.com/contact-us/ 

When the market gets choppy and investors start to feel uneasy, it’s not uncommon to get questions about whether it’s a good time to buy gold or silver. Over time, there are different reasons that people would give for wanting to invest in precious metals, but should you be buying gold? Eric Hogarth, CFP® joins the show to help us answer that question.

Here’s what you can expect to learn in this episode:

Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/

Contact our team: https://johnsonbrunetti.com/contact-us/ 

The topic of Social Security comes up all the time in our office, especially when it comes to its future. Is it heading towards bankruptcy as some suggest, or is this an alarmist notion blown out of proportion? To answer these questions and more, Certified Financial Planner® Heath Grossman joined the podcast to offer his perspective on the much-debated future of Social Security.

Here’s what you can expect to learn in this episode:

Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/

Contact our team: https://johnsonbrunetti.com/contact-us/ 

The world of Social Security benefits can be complex, particularly when it comes to understanding the taxation associated with these benefits. In this episode, we’re going to tell you how we’d get to the answer and give you a better idea of how much taxation will impact your benefits in retirement.

Here’s what you can expect to learn in this episode:

Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/

Contact our team: https://johnsonbrunetti.com/contact-us/ 

We want to be as efficient as possible with our retirement accounts to give us the best chance to grow our money and provide the income we need for retirement. That’s why many people ask about rollovers and whether it makes sense to do that with their 401k. Let’s talk about who might and might not benefit from a rollover and the options you have for your old 401k accounts.

Here’s what you can expect to learn in this episode:

Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/

Contact our team: https://johnsonbrunetti.com/contact-us/ 

Most people are familiar with target date funds, although they might not necessarily know them by that name. Your 401k plan might have a different name for it like a lifecycle fund, but regardless of what it’s called, it continues to be a popular investment choice. Let’s talk today about whether target date funds are a good way to invest for retirement.

Here’s what you can expect to learn in this episode:

Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/

Contact our team: https://johnsonbrunetti.com/contact-us/ 

In the fast-paced world we live in today, financial planning has never been more critical. It plays a significant role in helping us manage our resources, meet our financial goals, and secure our future. This importance becomes even more apparent when it comes to women, given their longer life expectancy and unique financial challenges.

That’s why we talk specifically about financial planning for women and why it’s something we focus on. To help us understand this better, we asked Heather Atkins, CFP® to join us for this episode because she is keen to these issues that women face.

Here’s what you can expect to learn in this episode: 

Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/

Contact our team: https://johnsonbrunetti.com/contact-us/ 

Do you think there is a universal age to start Social Security? Have you ever wondered how your health history, longevity, and family history play into your decision on when to turn on your benefits? Let’s delve into this critical question in retirement and help you understand how we help our clients determine what age they should claim Social Security.

Here’s what you can expect to learn in this episode:

Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/

Contact our team: https://johnsonbrunetti.com/contact-us/ 

We’re in the middle of one of the largest wealth transfers in our country’s history as Baby Boomers pass on their estate to loved ones, and some of that money is coming in the form of an IRA. Rules regarding inherited IRAs have changed in the past few years so let’s take a few minutes to tell you what you need to do if you receive one.

Here’s what you can expect to learn in this episode:

Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/

Contact our team: https://johnsonbrunetti.com/contact-us/ 

Many people will use retirement accounts like the 401(k) to save money, but we often get asked about the amount they should be contributing each month. Should it depend on what your company matches or should you just put as much as you can afford in regardless? Let’s dig deeper into this question and tell you what we like to consider when answering this question. 

Here’s what you can expect to learn in this episode:

Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/

Contact our team: https://johnsonbrunetti.com/contact-us/ 

When we talk about having a strategy for Social Security, it’s because the SSA isn’t going to point you toward the option that will pay you the most. It’s on every individual to understand the benefit options available and find the path that will help you get the most out of your retirement income. One of those options is the spousal benefit so let’s talk about what it is and who is eligible.

Here’s what you can expect to learn in this episode:

Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/

Contact our team: https://johnsonbrunetti.com/contact-us/ 

Anytime a sentence begins with, “Well I heard,” it gets our attention because you never know what someone is about to ask us. People are bombarded by suggestions and recommendations every day so it’s no surprise that people always bring new ideas or beliefs to a meeting. We’re going to share some of these things people commonly hear and help explain why they don’t always apply to you.

Here are some of the things we discuss in this episode:

1:06 – You need to have at least a million dollars to retire

3:27 – You should start Social Security as early as you can

4:48 – The market is going to tank because [insert reason here]

6:16 – I should try to keep the house in divorce because it will comfort me emotionally

7:33 – Soon the dollar won’t be the world’s reserve currency anymore

Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/

Contact our team: https://johnsonbrunetti.com/contact-us/ 

Housing will always be one of the biggest pieces of the financial plan, but we’re getting a lot of questions from retirees about what to do with their home now that they’ve retired. There are four main options that most people choose from so let’s explore those today and discuss the pros and cons of each decision.

Here are some of the things we discuss in this episode:

Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/

Contact our team: https://johnsonbrunetti.com/contact-us/ 

One of the most popular shows of the last few years has been Ted Lasso with Jason Sudeikis playing that heartwarming coaching role, and most people have watched some or all of the comedy series. Today we’re going to pull out some of our favorite Ted Lasso quotes and put a financial spin on them. Don’t worry, no spoilers!

Here are some of the things we discuss in this episode:

1:27 – Ted Lasso quotes and financial planning

10:19 – A Woman’s Word with Heather Atkins: Long-term care

15:28 – Retirement assumptions you can’t always make

Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/

Contact our team: https://johnsonbrunetti.com/contact-us/ 

To celebrate another Father’s Day weekend, we decided to work in some dad jokes into the podcast. Who doesn’t love those, right? So join us for a few laughs (we hope) and more importantly, some financial wisdom.

Here are some of the things we discuss in this episode:

1:01 – Joke #1: Where does 007 invest his money?

2:29 – Joke #2: What did the duck say after going shopping?

7:14 – Joke #3: Why did the woman go outdoors with her purse open?

9:10 – Joke #4: Why are Irish bankers so successful?

12:12 – On the case with Heath: Pensions

16:27 – How high on the list is long-term care on retirement issues?

20:13 – Mailbag question about taking care of parents financially

Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/

Contact our team: https://johnsonbrunetti.com/contact-us/ 

Part of being a good financial advisor is helping people navigate what can be awkward and uncomfortable situations in life related to their money. After working with hundreds of clients over the years, we’ve encountered quite a few of these situations. So how do we approach these moments? Let’s talk about what that looks like and what kind of conversations we’ve had for certain scenarios.

Here are some of the things we discuss in this episode:

Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/

Contact our team: https://johnsonbrunetti.com/contact-us/ 

So much about life is having the right perspective and the same can be said about the scenarios that feel like a true crisis. Through proper retirement planning, many of the events that feel like a negative in your life could actually provide you with an opportunity instead. Today we’re going to look at a few examples of this and tell you where to find the silver lining.

Here are some of the things we discuss in this episode:

3:23 – The crisis of becoming an empty nester

4:26 – How a market crash could become an opportunity

6:06 – Turning a layoff into a positive

9:58 – CEO’s Corner: Financial conversations with our employees

21:28 – Mailbag question on working until you’re 70 

Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/

Contact our team: https://johnsonbrunetti.com/contact-us/ 

For many people, the 401(k) is an easy account to manage. The money comes out of your paycheck before you get the chance to spend it so it’s like you never had it in the first place. That makes it a great tool for retirement savings but because it’s so painless, people often ignore it more than they should. 

But your 401(k) deserves attention and there are certain considerations you need to make before deciding if and how much you’re contributing to this retirement account.  

Here are some of the things we discuss in this episode:

1:07 – How much do you need liquid assets?

2:25 – Know what your employer contributions are

4:48 – Make sure you know the future tax implications

5:43 – Don’t forget about ‘orphaned money’

7:48 – Is it fake, Jake? US economy too good to be true?

13:41 – A Woman’s Word: Mistakes women make 

20:12 – Mailbag question on the next stock market crash

Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/

Contact our team: https://johnsonbrunetti.com/contact-us/ 

Today we’re going to talk through some hot topics, picking through recent communication with clients over the last several months. There are some recurring themes that a lot of people are asking about right now so let’s take some time to address them all right here on the show.

Here are some of the things we discuss in this episode:

0:53 – Should we be making investment changes in this current economic environment?

3:08 – With long term care insurance premiums going up, should we cancel the policy?

4:37 – How much of your inheritance should you set aside for taxes?

7:00 – On the case with Heath: Estate planning  

13:05 – Mailbag question on selling your home to rent in retirement

14:37 – Mailbag question on Rule of 100

15:57 – Mailbag question on financial issues for a second marriage

17:00 – Myth busting with Matt: Social Security will run out of money

Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/

Contact our team: https://johnsonbrunetti.com/contact-us/ 

In honor of the NFL Draft just wrapping up, we thought we’d do a little drafting of our own on the podcast. So we’ve asked Eric Hogarth, CFP® to put on his General Manager shoes and lead our retirement planning team into a financial draft. Find out which products make the grade and which get left behind.

Here are some of the things we discuss in this episode:

1:11 – The Roth IRA is a first round pick

1:58 – Gold and precious metals are a pass.

3:18 – Life Insurance Retirement Plan or LIRP

4:41 – The variable annuity  

6:37 – Indexed annuity gets a good grade

8:04 – Rental properties are a second round pick

12:23 – CEO’s Corner: How does Joel consume news?

21:32 – Mailbag question on how much of your annual salary you need saved.

Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/

Contact our team: https://johnsonbrunetti.com/contact-us/ 

We know you count on your financial advisor to shoot you straight and tell you what you need to hear rather than what you want to hear. That’s what we’re going to do on this episode as Eric drops a few financial truth bombs on us and provides us with a retirement reality check.

Here are some of the things we discuss in this episode:

3:22 – Bonds aren’t always as great for retirees as a lot of people might think.

4:32 – Income tax rates are close to historical lows.

5:35 – The hardest part of investing is managing your own behavior.  

8:27 – Is it fake Jake? Experts say 2023 will be a year of economic pain.

12:30 – Mailbag question on helping children with buying a house.

14:01 – A Woman’s Word: Longevity risk

19:54 – Mailbag question on paying for college.

Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/

Contact our team: https://johnsonbrunetti.com/contact-us/ 

Periodic reviews with certain clients can look very different from reviews with others. We’ve worked with just about every type of personality through the years so let’s talk about how our conversations might sound depending on who we’re meeting with for a review.

Here are some of the things we discuss in this episode:

1:02 – Clients that always need us to explain something again

2:07 – The client that is positive about everything

3:12 – The client that never wants to come into the office to meet.

4:30 – The person with a great new idea or something always happening

5:45 – The person that’s always worried about everything

8:44 – On the case with Heath: Getting too enamored with one product

12:44 – Mailbag question on bank failures

14:14 – Mythbusting with Matt: Social Security is its own independent decision

19:47 – Mailbag question on retiring early

Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/

Contact our team: https://johnsonbrunetti.com/contact-us/ 

Like anything else in life, financial planning is much easier to do in hindsight. We all have a few (or more) decisions we’d like to go back and change if we could. Let’s talk about a few of the regrets people are probably coming to terms with today.

Here are some of the things we discuss in this episode:

Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/

Contact our team: https://johnsonbrunetti.com/contact-us/ 

Money and finances can be difficult topics to discuss, but it is an essential conversation that needs to take place with children. With the proper guidance, your child will learn key lessons about money management and develop healthy financial habits. In this episode, Joel will share his family's approach to helping his children learn about important financial topics.

Here are some of the things we discuss in this episode:

0:56 – Applying Steve Martin quotes to financial planning

6:18 – Is it fake, Jake? Hedge funds are cautious

10:40 – Maibag question on helping with childcare expenses

13:04 – CEO’s Corner with Joel Johnson: Behavior with money

20:49 – Mailbag question on large Roth conversion amounts.

Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/

Contact our team: https://johnsonbrunetti.com/contact-us/ 

Different stages of life bring different challenges, and people nearing retirement often make some of the same mistakes with their money time and time again. As a pre-retiree, it's important to understand that your financial plan needs to be tailored around the goals you have for retirement. Let’s take a look at some of the classic mistakes we see people make.

Here are some of the things we discuss in this episode:

1:05 – How is our financial life like a closet?

2:56 – What are the first steps you can take to start getting organized?

5:56 – Money Map retirement review details

7:34 – On the Case with Heath: When refinancing doesn’t make sense

12:49 – Still investing like you were 20 years ago

14:20 – Starting Social Security without a strategy

16:45 – Mythbusting with Matt: Financial planning is much easier today  

20:48 – Mailbag question on managing an old 401(k)

Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/

Contact our team: https://johnsonbrunetti.com/contact-us/ 

In nearly all of the retail, restaurant and hospitality world, the old saying is that “the customer is always right.” But when it comes to financial planning, it’s probably not wise to subscribe to that idea. What’s the point of having a financial coach if your advice is better than your coach’s advice? Let’s talk about some statements you might hear from clients that might require you to push back because the customer isn’t always right.

Here are some of the things we discuss in this episode:

1:05 – When someone says, “Now is the time to get into or out of the market.”

2:24 – “This is what I want to invest in. I just need you to pick the exact funds for me.”

3:07 – When someone doesn’t want to spend money on a certain product or investment.

4:21 – When someone makes up their mind on an investment strictly based on fees.

5:42 – “My accounts are down right now so I don’t think this plan is working.”  

8:12 – A Women’s Word with Heather Atkins: How women approach investing.

13:57 – Mailbag question on saving strategies close to retirement

15:30 – CEO’s Corner with Joel Johnson – The labor market

Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/

Contact our team: https://johnsonbrunetti.com/contact-us/ 

A lot of people were probably pretty well prepared for the downturn in 2022, but that doesn’t mean there wasn’t any uneasiness along the way. If you didn’t fall into that group of people who were ready, let’s talk about what you can do to change that before the next downturn. 

Here are some of the things we discuss in this episode:

1:22 – Always have an understanding of the risk you’re exposed to

2:47 – Protecting gains as you go

4:05 – Are you diversified enough?

5:49 – Don’t panic when the next crash comes

8:45 – On the Case with Heath: Underfunded retirement

14:33 – Mailbag question on rental income

16:50 – Mailbag question on funding a wedding

19:12 – Is it fake, Jake? Gold could rise dramatically

Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/

Contact our team: https://johnsonbrunetti.com/contact-us/ 

When it comes to money, people often make excuses for why they can't save or spend wisely. It's easy to make up a story about why you aren't able to do enough from a financial planning standpoint, but our attitudes often impact our success with money and in life. Let's look at some of the common excuses we hear and how they could impact retirement.

Here are some of the things we discuss in this episode:

1:09 – “I never had anybody teach me about money so I made a lot of mistakes.”

3:28 – “I’m just not good with money.”

4:26 – “We’re going to have a recession soon so I guess there’s nothing I can do.”

5:54 – “You have to have a million dollars to retire so I guess I have a long ways to go.”

9:34 – A Women’s Word with Heather Atkins – Financial focus during a divorce

14:49 – Mailbag question on where to contribute after maxing out 401k.

16:22 – Mailbag question on starting a business later in life.

18:23 – Mailbag question on pushing back Social Security.

19:44 – Mythbusting with Matt Pastor – There’s a perfect time to start collecting Social Security

Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/

Contact our team: https://johnsonbrunetti.com/contact-us/ 

As we move a little further away from 2022, we start to get a little more information and data on what a very weird year it turned out to be. So many different factors played into the negative results we saw in the market, and we watched people handle that volatile year in a variety of different ways. Let's take a look at some fo the different emotions that manifested themselves over the course of the last year due to the down market.

Here are a few of the things we discuss in this episode:

1:23 – The fear and panic people felt while the market was turbulent.

2:46 – Anger for a number of different reasons

4:13 – Is it possible to be blissfully ignorant during down markets?

5:28 – Some people view this time with an opportunistic perspective.

7:55 – On the case with Heath Grossman, CFP® - A tax-free Roth conversion

12:54 – Mailbag question about having too much money in the bank

14:51 – CEO’s Corner with Joel Johnson

21:53 – Mailbag question on Social Security and income limits.

Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/

Contact our team: https://johnsonbrunetti.com/contact-us/ 

While it’s said that genius is a natural and innate ability, there are certain traits or habits possessed by geniuses that we can learn from. These qualities, when applied to financial planning, can help you make the most of your money while protecting yourself from future economic uncertainties.

Here are a few of the things we discuss in this episode:

1:15 – Geniuses are highly adaptable.  

3:41 – Geniuses actually understand how much they don’t know.  

5:19 – Geniuses learn from the mistakes of others.

9:40 – Is it Fake Jake? A looming economic hurricane?

13:38 – Mailbag question on retirement living options.

16:22 – Mailbag question on justifying private school tuition.

19:20 – Mythbusting with Matt – Lower tax brackets in retirement  

Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/

Contact our team: https://johnsonbrunetti.com/contact-us/ 

Secure Act 2.0 is the most recent amendment to the Secure Act of 2019, and it promises to have a major impact on retirement planning. This new legislation contains a long list of provisions and changes, but we've identified a short list that will impact many people preparing for retirement.  In this episode, we'll take you through those four changes and explain how they might affect your financial future.

Here are a few of the things we discuss in this episode:

Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/

Contact our team: https://johnsonbrunetti.com/contact-us/ 

Is the end of social security near? Evidence suggests that, while it is not likely to disappear soon, its long-term outlook is uncertain. Social security benefits have been decreasing over time and are inadequately funded. So what will the future hold for this important piece of retirement income? We'll address that along with two questions from the mailbag on travel expenses and dividing an estate.

Here are a few of the things we discuss in this episode:

0:17 – I put off a trip to Europe for many years and now I wonder if it’s a wise use of money. What if I end up needing nursing home care later?

2:47 – What’s the best way to keep your children from having disputes over your estate?

4:32 – Is it fake Jake? The looming depletion of Social Security and Medicare.

6:40 – How do politicians manage the future of Social Security?

Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/

Contact our team: https://johnsonbrunetti.com/contact-us/ 

Retirement brings with it an exciting time of life, but also the challenge of figuring out how to make ends meet in retirement. Retirement income is an important factor in planning for retirement and there are many options available to ensure that retirees have the funds they need. From Social Security, pensions, and lump sums, you need to know how it all fits together in the most tax-efficient way possible.

Here are a few of the things we discuss in this episode:

0:14 – Should I retire in 5-6 with a pension or retire now with a severance package and pension buyout?

1:32 – I’m retiring this year and will have about 18 weeks of vacation and sick leave to get paid out for. Should I wait an extra month and retire in January instead of December for tax reasons?

2:45 – We’re building our dream home and will move in the next year or two. Should we keep our current house as a rental property or sell it and invest the cash?

4:50 – Will gold rise dramatically in a short period of time?

9:16 – Get your questions answered through your Money Map review

Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/

Contact our team: https://johnsonbrunetti.com/contact-us/ 

Investing your money can be a scary thing, especially when you don't feel like you have a good handle on the terminology and concepts. Many people turn to financial advisors to help guide them through their investments, but it's important to make sure that they are actually helping rather than hurting. Let's talk about a few scenarios where your advisor might be naughty or nice.

Here are a few of the things we discuss in this episode:

1:00 – How should your advisor be handling meetings with the client?

2:46 – If an advisor tells you they have an asset minimum, but is this actually nice?

4:28 – Should your advisor go ahead and make investment changes for you?

6:04 – On the Case with Heath

Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/

Contact our team: https://johnsonbrunetti.com/contact-us/ 

The financial world is full of complexities, and it can be hard to keep up with all the nuances. However, there are some aspects that are often overlooked or underrated in terms of their importance. Here we will discuss three things that should be appreciated more in the financial world.

Here are a few of the things we discuss in this episode:

0:39 – Why liquidity is important for a retiree?

1:47 – Why don’t we appreciate predictability more?

3:06 – The beauty of simplicity in a financial plan.

5:46 – Mailbag question on Roth conversion amounts

6:59 – Mailbag question on rolling over an old 401(k)

Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/

Contact our team: https://johnsonbrunetti.com/contact-us/ 

When it comes to financial strategies, there are three that might not be as advantageous as you might think: tax advantages, rates of return, and commission-based investment accounts. In this episode of the podcast, Eric Hogarth, CFP® will explain why.

Here are a few of the things we discuss in this episode:

1:51 – Are tax advantages overrated?

4:20 – What states do people in New England move to in retirement?

5:57 – Story about a conversation we had with a client recently

7:34 – Are rates of return overrated?

9:38 – Are commission-based investment accounts overrated?

Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/

Contact our team: https://johnsonbrunetti.com/contact-us/ 

On today’s episode, we’ll dive into the mailbag to answer a few financial questions that we’ve been asked recently. The topics we’ll tackle today are what to do with old IRAs, rolling over retirement accounts, and Social Security benefits for ex-spouses. If you’ve been curious about any of these financial planning items, then you’ll want to listen to this show.

Here are a few of the things we discuss in this episode:

1:55 – Mailbag question 1 – Should I cash out an old IRA?

3:22 – More accounts doesn’t mean more diversification

5:02 – Mailbag question 2 – Is it okay to do a rollover now and in the near future or all at once?

6:48 – Mailbag question 3 – Can I collect on my ex-husband’s Social Security benefit?

7:40 – Why you want to get the Money Map retirement review 

Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/

Contact our team: https://johnsonbrunetti.com/contact-us/ 

Let’s take a little different approach to the financial discussion today and look at how the seven deadly sins can apply to your planning. Not only should you be avoiding these sins in your personal life but also in a financial context as well.

Here’s are the seven sins we discuss in this episode:

2:30 – Pride

3:59 – Envy

5:22 – Wrath

6:46 – Greed

8:31 – Laziness

10:178 – Gluttony 

12:13 – Lust

Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/

Contact our team: https://johnsonbrunetti.com/contact-us/ 

We often only deal with an inheritance a few times during our lifetime, so it's little surprise that we get questions about receiving and leaving an inheritance. In this episode, Eric Hogarth, CFP® will address the major inheritance questions that are out and highlight some of the mistakes that are commonly made.

Here’s what we discuss in this episode:

0:50 – Tax implications of the money you inherit

2:28 – How SECURE Act changed inheritances

4:50 – Estate planning mistakes we commonly see

6:19 – How we can help you with an inheritance

Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/

Contact our team: https://johnsonbrunetti.com/contact-us/ 

The start of a new year always provides a chance for reflection and opportunity to reset goals for the next 12 months. Today’s episode will do both of those things as Eric highlights the biggest financial takeaways from a volatile 2022 and lays out a checklist of action items for 2023.

Here’s what we discuss in this episode:

0:38 – Stocks and bonds drop in 2022

2:43 – Mortgage rates doubled in 2022

4:01 – Bitcoin had an awful year in 2022

6:09 – Gas prices soared in 2022

7:46 – On the Case with Heath Grossman, CFP® - Sequence of returns risk

16:45 – New Year Checklist – Tax withholdings

17:57 – New Year Checklist – Retirement account contributions

18:56 – New Year Checklist – Gather all your tax info

19:30 – Mythbusting with Matt

Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/

Contact our team: https://johnsonbrunetti.com/contact-us/ 

When you think about financial planning, you might not realize that your childhood can have a big impact on your current finances. Eric Hogarth, CFP®, explains how our upbringing can influence our money decisions later in life. Understanding these money triggers can help us make more conscious choices about our spending and saving. Join us to learn more about how your own childhood may be impacting your financial planning today.

Here’s what we discuss in this episode:

1:22 – Those who lived through the Great Depression

4:29 – People that grew up very poor

9:09 – Growing up in a wealthy family

10:43 – The way families communicate about money

Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/

Contact our team: https://johnsonbrunetti.com/contact-us/ 

Providing answers to your financial questions is one of the things we enjoy doing most each day and our podcast provides a great outlet for that to happen. On this episode, we’re going to take four questions on RMDs, savings, planning mistakes, and whether ETFs or mutual funds are the better investment.

Here’s what we discuss in this episode:

0:26 – Mailbag question on RMDs

2:44 – Mailbag question on keeping money in savings

4:18 – Mailbag question on retirement planning mistakes

7:27 – Mailbag question on ETFs and mutual funds

Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/

Contact our team: https://johnsonbrunetti.com/contact-us/ 

Are you ready to retire? Many people aren't sure if they are ready to leave their careers behind. In this blog post, we will discuss some of the reasons why people may not be ready to retire. We will also provide tips on how to overcome these challenges and make the transition to retirement easier. So, if you are thinking about retiring soon, be sure to listen to this episode.

Here’s what we discuss in this episode:

0:42 – Bigfoot news

2:27 – “I don’t want to retire”

3:53 – They’d be bored if they retired.

5:41 – They use this excuse as a defense mechanism

7:29 – Lack of confidence

9:45 – Eliminate the anxiety through planning

Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/

Contact our team: https://johnsonbrunetti.com/contact-us/ 

In times like these when the stock market is tumbling over an extended period of time, we often get calls and questions from people about what they’re most concerned about. It’s natural to be worried or fearful when account values are dropping, but that’s a time when you can lean on your advisor. Let’s talk about the guidance we provide during volatile markets and what you should be paying the most attention to moving forward.

Here’s what we discuss in this episode:

0:42 – The questions and concerns we’re hearing right now

3:57 – What investments strategies can you use in these markets?  

7:25 – Why do look at the mark in two extremes?

9:11 – Mailbag question on where to pull money from to invest  

13:31 – The Money Map Retirement Review

Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/

Contact our team: https://johnsonbrunetti.com/contact-us/