Podcast terbaik Stover (2024)

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Time Segmentation, a Smart Way to Invest Retirement Money 28:42

11M ago28:42

28:42

Laura Stover, RFC® discusses the concept of time segmentation and its application in allocating retirement savings for a stable income during retirement. Time segmentation involves matching investments with the point in time when they will be needed to meet retirement income needs. This strategy provides clarity, comfort, and control over retiremen…

1
This Four-Part Retirement Strategy Can Help Withstand Bad Timing 29:53

11M ago29:53

29:53

Simple diversification used to be the go-to plan for a typical portfolio. A balanced plan of stocks, bonds, and cash would simply do the trick. But that type of diversification has been proven less effective in recent years with the abundance of market volatility. Today, Laura Stover, RFC® takes on financial guru Dave Ramsey’s version of a Safe wit…

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Navigating Investment Choice Overload: Tips To Become a Better Decision Maker 25:42

12M ago25:42

25:42

Today Laura Stover, RFC® explores the concept of choice overload and how it can affect your investment behavior and retirement planning. With so many options and information available to us, it's easy to feel overwhelmed and unsure of the best path to take. But today we will provide you with tips and insights to help you navigate through this sea o…

1
What To Do About These High Interest Rates 32:02

12M ago32:02

32:02

Laura Stover, RFC®, takes on the topic of interest rates today, and how they relate to your financial future. It is important to consider the historical context of interest rates. Over the past few decades, interest rates have been kept artificially low by central banks around the world. This was done in an effort to stimulate economic growth and p…

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Could an Israel- Hamas war change what the Fed does about interest rates? 26:30

12M ago26:30

26:30

Laura Stover, RFC® looks at the ongoing Israel-Hamas war and how it might affect interest rates and your financial future.. With ongoing uncertainty about the economy, wars in Europe and the Middle East, and protests at home, it's no wonder that Americans are taking a closer look at their financial plans. In particular, we will explore the potentia…

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'Not QE' Puts Fed Between A 'Rock And A Hard Place' 20:07

1y ago20:07

20:07

Laura Stover, RFC® discusses the Federal Reserve's Bank Term Funding Program (BTFP) today, a topic that is often overlooked but has significant implications for our economy.This program, which was introduced in response to the failures of banks earlier this year, has the potential to create new money and impact the value of long-term securities. Le…

1
The Fed is still pushing to get inflation down. Do people feel it? 27:35

1y ago27:35

27:35

Laura Stover, RFC® is discussing the recent decision by the Federal Reserve to leave interest rates unchanged and the potential implications for retirees and investors. We will also explore the ongoing efforts by the Fed to combat inflation and the impact it may have on the economy. The Federal Reserve recently announced that it would be keeping in…

1
Consistency Is the Key to Investing When You're Retired 30:28

1y ago30:28

30:28

Laura Stover, RFC is solo today for a special episode as we cover this week’s featured article from Kiplinger “Consistency Is the Key to Investing When You're Retired.” We need to focus on consistent returns rather than average returns or market fluctuations. While volatility may be advantageous during the accumulation phase, it can be detrimental …

1
5 Predictions For An Economic ‘Soft Landing’ That Were Totally Wrong 36:05

1y ago36:05

36:05

Laura Stover, RFC® is joined by guest co-host Darlene Tucker, CFP® today. This week’s weekend brief comes from Forbes: “5 Predictions For An Economic ‘Soft Landing’ That Were Totally Wrong.” With a lot of uncertainty in the world, and now 2 wars going on, investors are asking what that means for their futures. Are we in for a soft landing? Before w…

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What is a Major Advantage of Separately Managed Accounts? 31:05

1y ago31:05

31:05

In this week’s Retirement Talk podcast, with Laura Stover, RFC®, and Michael Wallin, CFP®, we delve into the major advantages of separately managed accounts (SMAs), a topic that doesn't often make its way into the podcasting world. SMAs can be a game-changer for those nearing retirement or already in retirement. SMAs offer direct ownership of inves…

1
Investment Tradeoffs: Why You Should Know Your Return on Hassle Spectrum 32:42

1y ago32:42

32:42

Laura Stover, RFC®, and Michael Wallin, CFP®, discuss this week’s featured article from the weekend brief: "Investment Trade Offs: Why You Should Know Your Return on the Hassle Spectrum." It's a critical consideration for investors, especially in today's financial landscape. We discuss the fascinating story about a couple who decided to invest in r…

1
The Most Important Financial Goal in Retirement Isn't What You Think 27:30

1y ago27:30

27:30

Today, Laura Stover, RFC® and Michael Wallin, CFP® discuss the importance of planning for retirement income and the role of annuities in retirement planning. They start by emphasizing the significance of having a solid plan in place, especially in the face of economic uncertainties like the pandemic, supply chain disruptions, inflation, and market …

1
What Clients (Actually) Value Most in a Financial Advisor 28:53

1y ago28:53

28:53

In this episode of Retirement Talk: The Redefining Wealth Show, Laura Stover, RFC® and Michael Wallin, CFP® delve into what clients value most in a financial advisor. They emphasize the importance of effective communication between clients and advisors and the need for a well-defined process that aligns discussions with clients' long-term goals. Th…

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On Minimalism: In Favor of Less 12:54

1y ago12:54

12:54

A narrated essay reflecting on minimalism: owning only what adds value and meaning to your life and removing the rest. Find more essays at brandonstover.com Want the essays and podcasts delivered directly to you? Subscribe: brandonstover.substack.com Timestamps: (00:00) - Beginning of Essay (02:08) - Minimalism (03:53) - Value of Small Spaces (07:0…

1
What Is An Annuity and When Is It A Smart Investment? 29:37

1y ago29:37

29:37

Today, Laura Stover, RFC® and Michael Wallin, CFP® discuss the importance of planning for retirement income and the role of annuities in retirement planning. They start by emphasizing the significance of having a solid plan in place, especially in the face of economic uncertainties like the pandemic, supply chain disruptions, inflation, and market …

1
On Content Creation: Rage, Rage Against the Content Machine 16:08

1y ago16:08

16:08

A narrated essay reflecting on the dark side of consistently creating content, what a content creators intention should be, and how to create content that is both sensational and valuable. Find more essays at brandonstover.com Want the essays and podcasts delivered directly to you? Subscribe: brandonstover.substack.com Timestamps: (00:00) - Intro (…

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‘The Baby Boomer Dilemma’ Documentary Exposes America’s Failed Retirement Experiment 31:01

1y ago31:01

31:01

Laura Stover, RFC® and Michael Wallin, CFP® discuss the Baby Boomer Dilemma documentary and its implications for pre-retirees and retirees. The film talks about many topics we routinely cover on the show- the growing national debt crisis, the potential for higher tax rates in the future, and the need for proactive tax planning. The national debt ha…

1
On Relationships: A Partner in Life is a Partner in Pursuing Purpose 18:08

1y ago18:08

18:08

A narrated essay reflecting on the five stages of relationships for both monogamists and non-monogamists, delineating when a romantic interest should move to the next stage. Find more essays at brandonstover.com Want the essays and podcasts delivered directly to you? Subscribe: brandonstover.substack.com Timestamps: (00:00) - Intro (01:21) - Beginn…

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Why 1966 Was The Worst Year to Retire (And Why That Matters in 2023) 27:14

1y ago27:14

27:14

Laura Stover, RFC® and Michael Wallin, CFP® discuss why 1966 was the worst year to retire and why it matters in 2023. They explore the market downturn in 1966 and its impact on retirees, as well as the similarities and differences between that time period and the current economic climate. The market downturn in 1966 was a harbinger for difficult ti…

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On Self Development: Perfection is Not Reality, It's an Ideal You Work Towards 17:15

1y ago17:15

17:15

A narrated essay on how to strive towards perfection, an ideal state of being, without feeling shame or guilt when we fall short as flawed human beings. Want the essays and podcasts delivered directly to you? Subscribe: brandonstover.substack.com Timestamps: (00:00) - Intro (02:29) - Essay Narration (05:10) - Commentary on Essay…

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Are You Making These 5 Common Retirement Mistakes? 30:45

1y ago30:45

30:45

Investors often underestimate the risk in their portfolio. Today, Laura Stover and Michael Wallin break down 5 common portfolio mistakes, as outlined by Christine Benz in Morningstar. They are portfolio sprawl, when your assets often overlap and have too high a correlation A redundant individual stock portfolio can be risky as well. For example, if…

1
Retirement Risks 28:54

1y ago28:54

28:54

Retirement planning involves mitigating risk and understanding the various risks that retirees face. Laura Stover and Michael Wallin break down these risks today, including reduced earnings capacity, visible spending constraint, heightened investment risk, unknown longevity, spending shocks, compounding inflation, and declining cognitive abilities.…

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Do You Have a Cookie Cutter Portfolio? 30:23

1+ y ago30:23

30:23

In this episode, Laura Stover, RFC® and Michael Wallin, CFP®, discuss the concept of a cookie-cutter retirement portfolio and its implications for retirees. They start by addressing the recent news of the US being downgraded due to its high debt levels. They explain how the ability to pay off debt and the impact of rising interest rates can affect …

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What is a Registered Investment Advisor? 36:43

1+ y ago36:43

36:43

Once you make the decision to take the next step toward ensuring a solid financial future, the next is who you should work with. There are all types of financial professionals that provide a variety of services, and one that we get asked about is the registered investment advisor or RIA. Are they an individual financial advisor or is it a company? …

1
Understanding Stock Market Concentration 32:33

1+ y ago32:33

32:33

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 a great reminder of why overconcentration can hurt a portfolio. Being overweight in this t…

1
How to Properly Evaluate Investment Fees 33:16

1+ y ago33:16

33:16

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 return better value than you would have achieved without the help. So let’s unpack th…

1
How to Stress Test Your Financial Plan 31:50

1+ y ago31:50

31:50

No one can predict the future of finance, so how do you make sure your portfolio is able to withstand the inevitable swings in the market? The answer is through stress testing, which has proven to be a valuable tool in financial planning. In this episode, Laura Stover, RFC® and Michael Wallin, CFP® will walk you through how a portfolio is stress te…

1
Beware of the Pitfalls of SECURE Act 2.0 30:35

1+ y ago30:35

30:35

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 this episode, Laura Stover, RFC® and Michael Wallin, CFP® will walk you through these…

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8 Reasons Advisors are Worth Their Fees 39:11

1+ y ago39:11

39:11

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, this question is extremely important to ask. With more than 50 years of experienc…

1
Diversification, Explained in Ice Cream 27:21

1+ y ago27:21

27:21

Diversification is a risk management strategy that mixes a wide variety of investments within a portfolio. We’d venture to guess that everyone who is listening to this podcast is very familiar with this concept, but it often gets confused with asset allocation. In this episode, Laura Stover, RFC® and Michael Wallin, CFP® will unpack diversification…

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Economist Says Stock Market Will Witness Largest Crash Since 1929 36:16

1+ y ago36:16

36:16

We know there’s always another market crash in the future, but should we be worried that it’s happening soon? An economist named Henrik Zeberg thinks so. He expects a massive blow-off top for equities in near future, and his belief is that the stock market could be headed to one of its biggest crashes in the coming months because the strength of th…

1
Stock Market Cycles 36:36

1+ y ago36:36

36:36

You’ll never be able to predict the movement of the market but understanding the cycles will make you a better investor. The market goes through different phases and building out a purposeful portfolio will help you stick to your plan through the ups and downs. In this episode, Laura Stover, RFC® and Michael Wallin, CFP® will breakdown a recent art…

1
How Life Insurers Can Provide Differentiated Retirement Benefits 30:33

1+ y ago30:33

30:33

Many times we find that retirees only look at that investment pillar with the traditional assets in mind. They focus only on investments and ignore critical areas that also need attention. In this episode, Laura Stover, RFC® and Michael Wallin, CFP® will break down an article on an area of diversification that could qualify for income planning, alo…

1
A Path to $10 Million 38:57

1+ y ago38:57

38:57

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 this episode, Laura Stover, RFC® is joined by Darlene Tucker, CFP® and Kyle Davis who…

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A Framework for Assessing Variable Spending Strategies 35:44

1+ y ago35:44

35:44

Being flexible with spending absolutely matters in financial planning and it often gets overlooked when people step into retirement. Most people look at their budget and the assets that they’ve accumulated and that’s where they stop. In this episode, Laura Stover, RFC® and Michael Wallin, CFP® will examine an article by Dr. Wade Pfau that discusses…

1
Why Do We Keep Making the Same Investment Mistakes? 37:47

1+ y ago37:47

37:47

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 happens in terms of how we invest our dollars and how we act when the market isn’t…

1
How Long is Long Term? 36:31

1+ y ago36:31

36:31

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 better than an alternative investment. In this episode, Laura Stover, RFC® and Michae…

1
Profiting from Losses 31:55

1+ y ago31:55

31:55

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 financial gains. In this episode, Laura Stover, RFC® and Michael Wallin, CFP® will de…

1
If Not a 60-40 Portfolio, Then What? 35:06

1+ y ago35:06

35:06

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 longer a use for this portfolio structure. To truly evaluate whether that’s accurate,…

1
When It Comes to Risk, It’s Dangerous to Trust Your Instincts 31:03

1+ y ago31:03

31:03

The famous boxer Mike Tyson once said, “Everyone has a plan until they get punched in the mouth.” He meant it about his opponents, but we can apply that same idea to financial planning in the middle of a volatile market. How will you react when things first get difficult? Should you trust your instincts or stick to a well-defined process that you a…

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Don’t Let Sequence of Returns Risk Cook Your Goose 34:06

1+ y ago34:06

34:06

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 nearly enough attention, in our opinion. The five years before and the first five…

1
3 Ways to Know if Your Advisor Gets It 28:57

1+ y ago28:57

28:57

For many people, the goal in life is to have enough wealth that you can pass it on to people or organizations you care most about, and your advisor should be a key partner in helping you with that estate planning. However, not every financial professional is equipped to help you secure your legacy and give you that peace of mind. In this episode, L…

1
The Four Unique Risks in Decumulation 30:27

1+ y ago30:27

30:27

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 important planning challenges because the fundamental nature of decumulation is m…

1
It Is The Perfect Time for Pre-Retirees to Consider FIAs 29:03

1+ y ago29:03

29:03

When things are down, everyone’s risk profile gets much more conservative. Emotions shift as the market does, and we spend a lot of time consulting clients to help them keep balance. One of the products that we discuss more in this type of environment is the fixed index annuity, which people often love or hate. FIAs are designed as competition to b…

1
The Best Retirement Plans of 2023 28:00

1+ y ago28:00

28:00

Americans have been falling behind on retirement planning for some time now, and the past two years have only increased the difficulty to save money and grow a nest egg. This recent trend emphasizes the importance of proper planning, and we want to share some of the best retirement strategies to consider in 2023. Much of what Laura Stover, RFC® and…

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Are Bonds a Good Investment During a Recession? 34:56

1+ y ago34:56

34:56

If you go back to October of 2022, you’ll find the worst 12-month period ever for bonds. With the pressure on the economy, bonds struggled right alongside many other investments. The last year showed us many investors move to bonds during periods of volatility, and many of those same people couldn’t understand why bonds deteriorated and values decl…

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