Your Financial Mission

We’re answering some listener questions today as we open the mailbag and cover a few scenarios that require some financial decision making. Among the topics we’ll get J’Neanne’s thoughts and perspective on include: Tax considerations for gifts made to family. Getting past overthinking every financial decision that you need to make. What to do with money when you realize you’ll have more than you’re going to need in retirement. This should be an informative episode covering a wide range of financial planning conversations that we have with people all the time. If you have something you’d like to as J’Neanne, drop a comment below.   Here’s some of what we discuss in this episode: 0:00 – Intro 1:25 – Question 1 7:11 – Question 2 10:47 – Question 3   Connect with us: https://theuswealthadvisors.com/   Get your free toolkit: https://u3ehfk92.pages.infusionsoft.net/   Schedule your analysis: https://theuswealthadvisors.com/schedule/   Want to learn more about financial planning? Subscribe to our YouTube channel an

In today’s show, we’re going to be talking about the Gray New Deal and the need for retirement reform. The idea to create job and pension improvements might be a little surprising to some, but the author of Work, Retire, Repeat: The Uncertainty of Retirement in the New Economy makes some really interesting points.   Here’s some of what we discuss in this episode: 0:00 – Intro 1:47 – Issues we’re facing 7:08 – Policy changes 9:58 – Social programs 12:00 – Taxes   Check out the article we referenced: https://finance.yahoo.com/news/working-longer-won-t-solve-174400601.html    Connect with us: https://theuswealthadvisors.com/   Get your free toolkit: https://u3ehfk92.pages.infusionsoft.net/   Schedule your analysis: https://theuswealthadvisors.com/schedule/

In this episode, we’ll talk about how women can gain more confidence with their finances. As more women take a proactive approach to money, we want to help them feel comfortable about what they’re doing. We’ll also talk about debt as well as solutions to help women be better prepared for retirement.     Here’s some of what we discuss in this episode: 0:00 – Intro 1:10 – Debt 7:38 – Lack of financial confidence   Connect with us: https://theuswealthadvisors.com/   Get your free toolkit: https://u3ehfk92.pages.infusionsoft.net/   Schedule your analysis: https://theuswealthadvisors.com/schedule/   Want to learn more about financial planning? Subscribe to our YouTube channel and you won't miss a video ➟ https://bit.ly/3XKgOxu

In this episode, we’ll share some eye-opening statistics and actionable advice to empower women in their financial journey and we’ll do it as a two-part conversation. This first show will focus on the challenges facing women as it relates to the pay gap. Plus, what can you do if you get divorced or become widowed and find yourself having to manage all the finances on your own?   Here’s some of what we discuss in this episode: 0:00 – Intro 2:46 – Gender pay gap 6:56 – Divorce 12:11 – Widows   Connect with us: https://theuswealthadvisors.com/   Get your free toolkit: https://u3ehfk92.pages.infusionsoft.net/   Schedule your analysis: https://theuswealthadvisors.com/schedule/   Want to learn more about financial planning? Subscribe to our YouTube channel and you won't miss a video ➟ https://bit.ly/3XKgOxu

We’ve been getting questions lately from people with a lot of money sitting on the sidelines. They’re waiting to jump back in the stock market when they feel comfortable but timing the market is incredibly difficult. Today J’Neanne will break down why this is the case and explain what you should be doing from an individual standpoint if you have substantial cash on the sideline.   Here’s some of what we discuss in this episode: 0:00 – Intro 0:51 – What’s behind this trend 3:13 – Risk tolerance 4:16 – What should you do with cash?     Connect with us: https://theuswealthadvisors.com/   Get your free toolkit: https://u3ehfk92.pages.infusionsoft.net/   Schedule your analysis: https://theuswealthadvisors.com/schedule/   Want to learn more about financial planning? Subscribe to our YouTube channel and you won't miss a video ➟ https://bit.ly/3XKgOxu

On this episode, we’ll try to separate sensationalism from reality by covering the top financial concerns that people have. Should you worry that these apocalyptic predictions will eventually come true? Let’s talk about why or why not these fears are warranted.   Here’s some of what we discuss in this episode: 0:00 – Intro 1:03 – Social Security will go broke 4:28 – Future tax rates 7:07 – Climate change 9:01 – Inflation 10:16 – High interest rates 11:33 – Making good financial decisions   Connect with us: https://theuswealthadvisors.com/   Get your free toolkit: https://u3ehfk92.pages.infusionsoft.net/   Schedule your analysis: https://theuswealthadvisors.com/schedule/   Want to learn more about financial planning? Subscribe to our YouTube channel and you won't miss a video ➟ https://bit.ly/3XKgOxu

Navigating the world of long-term care insurance can be daunting, especially if you're single and without children. In today’s video, we’ll explore why long-term care insurance might be a crucial part of your retirement planning. We'll explore what it covers, when to consider buying it, and how it fits into your solo journey toward a secure and independent future. So let’s jump in and answer the question of whether you need long-term care insurance if you are single and childless.   Here’s some of what we discuss in this episode: 0:00 – Intro 1:00 – What does LTC cover? 2:54 – Who will care for you? 4:58 – Buying LTC insurance 9:52 – Common LTC triggers   Connect with us: https://theuswealthadvisors.com/   Get your free toolkit: https://u3ehfk92.pages.infusionsoft.net/   Schedule your analysis: https://theuswealthadvisors.com/schedule/   Want to learn more about financial planning? Subscribe to our YouTube channel and you won't miss a video ➟ https://bit.ly/3XKgOxu

In today's show, we're focusing on a critical aspect of retirement planning: healthcare costs. How well-prepared are you to handle medical expenses after you retire? We'll discuss everything from Medicare complexities to strategies for managing unexpected health-related expenses. Tune in as we break down the essentials of healthcare financial planning for retirees.   Here’s some of what we discuss in this episode: 0:00 – Intro 1:53 – How prepared is the average pre-retiree? 6:05 – Most common expenses 9:08 – Prescriptions 14:43 – Long-term care insurance 17:50 – Strategies we utilize   Connect with us: https://theuswealthadvisors.com/   Get your free toolkit: https://u3ehfk92.pages.infusionsoft.net/   Schedule your analysis: https://theuswealthadvisors.com/schedule/   Want to learn more about financial planning? Subscribe to our YouTube channel and you won't miss a video ➟ https://bit.ly/3XKgOxu

Join us as we unpack our 2023 edition of key year-end planning strategies for those nearing or embracing their retirement years. We'll explore the nuances of optimizing your investment portfolio, safeguarding your assets, and ensuring a stable, rewarding lifestyle in the years to come.   Here’s some of what we discuss in this episode: 0:00 – Intro 2:59 – General planning and investing strategies 5:12 – Tax Planning 8:00 – Health insurance 11:56 – Income and lifestyle 17:13 – Real estate assets 20:08 – Technology and cybersecurity 23:29 – Generational wealth considerations   Connect with us: https://theuswealthadvisors.com/   Get your free toolkit: https://u3ehfk92.pages.infusionsoft.net/   Schedule your analysis: https://theuswealthadvisors.com/schedule/   Want to learn more about financial planning? Subscribe to our YouTube channel and you won't miss a video ➟ https://bit.ly/3XKgOxu 

Are we on the brink of a retirement renaissance or stormy seas ahead? On this episode, we jump into the pressing issues of Social Security, healthcare, taxes, stock market trends, and long-term care.   Here’s some of what we discuss in this episode: 0:00 – Intro 2:55 – Half full or half empty? 5:32 – Social Security 10:19 – Healthcare affordability 14:25 – Tax rates the next decade 19:23 – Long-term care options 23:43 – Stock market   Connect with us: https://theuswealthadvisors.com/   Get your free toolkit: https://u3ehfk92.pages.infusionsoft.net/   Schedule your analysis: https://theuswealthadvisors.com/schedule/

Retirement is a unique journey for each of us. The thought that there's a one-size-fits-all solution is a myth, but what if we told you there are certain universal truths that can guide every retiree? Today we’re going to tell you about the things that everyone will need to take into account when planning for their retirement. We all might address them in our own personal way, but all of these universal truths need to be factored into retirement. Plus, we’ll dive into an article we found on artificial intelligence and its role in financial planning. Can it provide you with enough guidance to replace a human financial advisor? We’ll share the results on the show and get J’Neanne’s thoughts on the role AI can play in planning.   We’ll also find out what J’Neanne feels is the most beautiful place she’s ever visited during our getting to know segment, and we’ll close the show out with a great question about how much is okay to spend on a forever home in retirement. There’s a lot to discuss today so let’s get star

Ever heard of the domino effect? Well, in retirement planning, just one misstep can topple your entire future. Today, we'll explore the key areas that need careful attention to ensure a solid retirement plan. We’ve identified five potential financial pitfalls that can lead to additional problems for you in retirement, but J’Neanne will share some tips on how to avoid these common problems.   Here are some of the things you’ll learn in this episode: 0:00 – Intro 1:41 – Possibility of outliving your money 4:34 – The creep of inflation 9:10 – Expense of a nursing home stay 13:46 – Volatility of the stock market 14:50 – Threat of rising taxes 17:08 – Getting to Know J’Neanne 20:01 – Listener question   Connect with us: https://theuswealthadvisors.com/ Get your free toolkit: https://u3ehfk92.pages.infusionsoft.net/ Schedule your analysis: https://theuswealthadvisors.com/schedule/

This show is all about understanding the crucial role of income analysis. We'll uncover the secrets of guaranteed income versus the uncertain stuff and shed light on the consequences of retiring without a clear income plan. Don't worry if you're feeling lost - we've got your back with practical solutions and expert guidance. Plus, we’re going to get J’Neanne’s perspective on the prevalence of scams and how she’s helping her clients navigate them. Then we’ll learn more about J’Neanne away from the office and we’ll close out the show with a few of your financial questions.   Here are some of the things you’ll learn in this episode: 0:00 – Intro 1:34 – Let’s talk types of scams 7:52 – What we tell clients 11:46 – Getting to Know J’Neanne 18:09 – Importance of retirement income 21:46 – Diversity of revenue streams 25:39 – Guaranteed vs non-guaranteed income 33:00 – Mailbag questions     Watch 'What happens when you reply to spam' video - https://www.youtube.com/watch?v=4o5hSxvN_-s    Connect with us: https://theu

We’re back and busier than ever for our first episode of the newly launched Rockin’ Retirement show. We have a lot to cover in this show with a primary focus on the five big money mistakes that people make in retirement. But we’re also going to address the concern that Social Security is going broke and answer the financial questions you’ve sent us. Here are some of the things you’ll learn in this episode: 0:00 – Intro 2:31 – Headlines: Is Social Security Going Broke? 9:03 – Money mistake 1: Taking Social Security too early      11:45 – Money mistake 2: Taking Advice from Friends and Family 15:13 – Money mistake 3: Failing to Review and Update Your Plan 18:10 – Money mistake 4: Assuming You Won’t Live That Long        22:08 – Money mistake 5: Sequence of Returns Risk     25:05 – Answering your financial questions       Connect with us: https://theuswealthadvisors.com/ Get your free toolkit: https://u3ehfk92.pages.infusionsoft.net/ Schedule your analysis: https://theuswealthadvisors.com/schedule/

Coming up on this edition of Your Financial Mission, we are talking about SDBAs. We will discuss what they are, their benefits, their cons, and how they are used. If you’re a doctor or a defense contractor, you have probably seen it inside your plans or portfolio. SDBAs (Self Directed Brokerage Accounts) are essentially a sleeve on the 401k or 403b that allows you to self-direct. Listen to the episode to learn more about how they may benefit you. Here's some of what you will learn from today's mission: How SDBAs can help diversify your risk. (5:42) The benefits of using an SDBA vs. a normal brokerage account. (8:21) The top struggles with clients that have SDBAs. (11:28) 7 Secrets To A Smart Retirement Plan Toolkit: https://bit.ly/3Njh9SI Learn More: https://theuswealthadvisors.com/ Connect with us: info@theuswealthadvisors.com Call our office: (443) 718-6310

There is a lot of noise in the media about bonds currently. Many are wondering if they should stay in bonds, how safe bonds actually are, and what voices they should listen to for advice. Every situation is different, so you should always speak to an advisor.   Today, we will try to address the basics of bonds, and some of the common concerns surrounding them. Let’s dive in and see if bonds may still be worth your while. Here's some of what you will learn from today's mission: Should a retiree be in bonds despite the negative news surrounding them in our current market? (12:25) Are bonds safe? How can you diversify your investments and still generate an income? (18:29) Why investors need to understand the market’s history. (21:23) 7 Secrets To A Smart Retirement Plan Toolkit: https://bit.ly/3Njh9SI Learn More: https://theuswealthadvisors.com/ Connect with us: info@theuswealthadvisors.com Call our office: (443) 718-6310

In this episode, we’re going to share stories with you of times when emotions like fear, greed, and pride led someone astray in their financial decisions. We’ll even cover the role of positive emotions like hope and joy in retirement planning. If you want to better understand and control your emotions to experience a better financial future, then this is the show for you. Our goal is to give you the tools to navigate these emotions to you can make the right decisions, without being led by emotions. Here's some of what you will learn from today's mission: The longest bull market in history sparked greed in some investors. Greed can get in the way of logic, and you can learn how to navigate that here. (5:47) Fear can make you sell at the wrong time, after a market crash. If you are experiencing fear, here are our thoughts on that. (8:55) Hope is wonderful, but it is not a financial strategy. (14:01) The tragic story fueled by guilt when an advisor lost money for a client. This topic may be sensitive for some li

“Knowing what we know now…” is a phrase you hear a lot, especially lately. If you knew ahead of time, what would you do differently? What can we learn from these financial mistakes? We reflect and talk about the lessons learned on today's episode. Today's show schedule:  1:46 - Being too scared meant too conservative with investments. 2:50 - Too much risk you didn’t realize until the market crash. 4:04 - Misunderstanding Social Security can cause panic later on. 5:23 - Wishing you put more money in Roth IRAs. 7:01 - Retiring too early and needing to go back to work.

When you work with a financial advisor, you’re likely coming to them for financial advice and expertise. But what about that saying, “the customer is always right”? Is that still true?    Today's show schedule:  1:42 - “I think I can time the market.”  3:19 - “I know what I want to invest in, just pick the funds for me.” 5:04 - “I don’t need to spend the money on life insurance or long-term care.” 6:35 - “The fees are too high!” 8:23 - “My accounts are down right now, this isn’t working.”

You can’t believe everything you hear, right? What statements and concepts in the financial world should you take with a grain of salt? Can you tell what’s marketing and what’s real?   Today's show schedule:  1:29 - “We can beat the market.” 2:57 - “There are no fees!” 4:07 - “There’s no risk!” 5:34 - “Taxes will be lower in retirement.” 7:02 - “Never pay off your house early when interest rates are low.” 10:53 - “It’s just a paper loss.”