Retirement Talk Podcast Episodes

investing

167. Understanding Stock Market Concentration

167. Understanding Stock Market Concentration

Big tech has seen strong gains in 2023 and has outpaced most other sectors. In doing so, the S&P 500 has also performed well, but when you take away a handful of tech companies like Apple, Microsoft, Amazon, Meta and others, the S&P 500 is only up 2%. This is...

166. How to Properly Evaluate Investment Fees

166. How to Properly Evaluate Investment Fees

Every investor, whether you do it yourself or have professional help, needs to understand the fees they are paying because this is one of the most important factors attributing to investment performance overall. Fees can really eat into returns but they might also...

164. Beware of the Pitfalls of SECURE Act 2.0

164. Beware of the Pitfalls of SECURE Act 2.0

We’re more than halfway through 2023 and we’ve already seen the impact SECURE Act 2.0 has on retirement planning. These first six months have given the financial industry time to identify some of the potential pitfalls that the legislation creates for retirees. In...

163. 8 Reasons Advisors are Worth Their Fees

163. 8 Reasons Advisors are Worth Their Fees

Fiscally conscious investors want to get the most for their money, and when it comes to working with an advisor, it’s important to understand the fee structure and what value they’ll provide. Now that anyone can research and access information at the click of a mouse,...

159. How Life Insurers Can Provide Differentiated Retirement Benefits

159. How Life Insurers Can Provide Differentiated Retirement Benefits

We all have our own savings goals and dreams of retirement, but difficult markets and high inflation can be quite discouraging. Sometimes it feels like you’ll never achieve what you’ve hoped for. So what’s the secret to building wealth and reaching those goals? In...

156. Why Do We Keep Making the Same Investment Mistakes?

156. Why Do We Keep Making the Same Investment Mistakes?

Our relationship with money is much like the other emotional relationships we have in other parts of our lives. We tell ourselves we’re done making the same types of mistakes but end up repeating those same behaviors the next time the situation arises. The same thing...

155. How Long is Long Term?

155. How Long is Long Term?

We work with people that have investing questions all the time but there are two that investors often boil it down to. They want to know how long they need to be invested to be sure they don’t lose money and how long they need to stay invested to make sure they do...

154. Profiting from Losses

154. Profiting from Losses

The market has shown some signs that it might be turning around, but we’ve seen quite a bit of up-and-down over the past few years. These fluctuations have created some nice gains at times for investors, but a lack of tax planning can keep you from maximizing your...

153. If Not a 60-40 Portfolio, Then What?

153. If Not a 60-40 Portfolio, Then What?

A year like 2022 doesn’t come around too often but those significant market corrections we saw in both equities and bonds made many people begin to wonder about the effectiveness of the traditional 60/40 investment mix. Some people are even saying that there is no...

151. Don’t Let Sequence of Returns Risk Cook Your Goose

151. Don’t Let Sequence of Returns Risk Cook Your Goose

Reaching retirement doesn’t mean you can put your plan in cruise control because plenty of risks remain. One that all recent retirees are dealing with is the sequence of returns risk. This is an overlooked risk when someone is stepping into retirement that doesn’t get...

149. The Four Unique Risks in Decumulation

149. The Four Unique Risks in Decumulation

We spend most of our life saving and investing to accumulate as much wealth as possible before retirement, but there’s not nearly as much thought and research given to how you take that money out once you’re in retirement. Decumulation, in our mind, is one of the most...