193 episodes

Make It Last is hosted by Victor J. Medina, a Certified Elder Law Attorney and Certified Financial Planner professional. The program discusses retirement planning, estate planning, financial services, and taxes...but in a fun way.

Make It Last with Victor Medina - Legal & Financial Retirement Planning Victor J. Medina, JD, CELA®, CFP®

    • Business

Make It Last is hosted by Victor J. Medina, a Certified Elder Law Attorney and Certified Financial Planner professional. The program discusses retirement planning, estate planning, financial services, and taxes...but in a fun way.

    Make It Last – Ep 177 – A Hot Seat Show

    Make It Last – Ep 177 – A Hot Seat Show

    This week on Make It Last, Victor & Mark will talk to you about the client experience at Medina Law Group and Palante Wealth Advisors.

    They’ll also be talking about how the four pillars of retirement will lead you to success. Specifically, how income planning works and why it’s so important for your retirement plan.

    Finally, they’ll wrap things up by explaining why it’s crucial to have really great estate planning. The value of holistic estate planning, and how proper documents can help you get your ducks in a row.

    Download your FREE Checklist Challenge

    Are You Paying Too Much In Taxes In Retirement? Click here to find out.

    We help you take control of your financial future, visit www.palantewealth.com to learn more!

    Also available on Spotify, Apple Podcasts, & Google Podcasts

    Make It Last is hosted by Victor J. Medina, a Certified Elder Law Attorney (CELA®) and a Certified Financial Planner (CFP™). Founder of Medina Law Group & Palante Wealth Advisors, Victor and his companies are dedicated to empowering people through education about estate planning and their finances.

    • 58 min
    Make It Last – Ep 176 – How to Install Retirement Guardrails

    Make It Last – Ep 176 – How to Install Retirement Guardrails

    This week on Make It Last, Victor and Mark discuss financial literacy and share the top topics people are struggling with so you can understand!

    It’s springtime, which means highway construction is on the rise! Just like it’s important that construction workers install guardrails on the highway, how can you install guardrails on your retirement? Victor and Mark will give you all of the answers you need!

    Are You Paying Too Much In Taxes In Retirement? Click here to find out.

    We help you take control of your financial future, visit www.palantewealth.com to learn more!

    Also available on Spotify, Apple Podcasts, & Google Podcasts

    Make It Last is hosted by Victor J. Medina, a Certified Elder Law Attorney (CELA®) and a Certified Financial Planner (CFP™). Founder of Medina Law Group & Palante Wealth Advisors, Victor and his companies are dedicated to empowering people through education about estate planning and their finances.

    Transcription Below

    Mark Elliot:  Welcome to “Make It Last” with Victor Medina. I’m Mark Elliot. Victor of course has two companies, the Medina Law Group and Palante Wealth. Victor focuses on traditional estate planning, asset protection, retirement distribution, proactive income tax planning.

    Here’s the deal, it’s about the Make It Last plan. You need an income plan. Your paychecks are going to stop when you get into retirement. Where’s your income coming from? Your investment strategies, super important as well.

    Taxes. We know taxes are getting ready to change at least by 2026, if the Biden Administration does nothing, so tax efficient strategies are super important. The estate planning, all of that is a part of the Make It Last plan.

    Again, if you want to talk with Victor and the teams, they’re here to help 856‑506‑8300. There’s no cost. There’s no obligation. 856‑506‑8300.

    Victor, we’re going to talk financial literacy. I am 62, which means I should be financially literate.

    [laughter]

    Mark:  The problem is I am not. I think a lot of it is that in high school, it was maybe a general business class. The algebras and calculus and all that kind of stuff, geometry, I wasn’t into that. I was a sports guy, loved to play sports, didn’t really see the point of these two letters equal this letter. I didn’t see the point in that.

    The actual stocks and bonds and mutual funds and the insurance world and all those things, I never really was taught that. My dad was a long‑time coach, so I didn’t really get that kind of information. I guess I’m behind the eight ball.

    The numbers are out from the American College of Financial Services. 89 percent of female participants flunked a 38‑question quiz.

    Victor Medina:  Wow.

    Mark:  72 percent of men failed the quiz. I have no doubt I would fail the quiz.

    Victor:  [laughs]

    Mark:  I have no doubt you would pass the quiz. What’s your thoughts on this?

    Victor:  I think I would’ve failed the quiz before I was a financial advisor as well. It should be mandatory in the classrooms, that we should have some form of an education requirement that you have some basic level of financial literacy.

    Actually, my oldest…Well, the school where my oldest and my middle go to, but my oldest is a senior now this year, he has a Horizons project.

    It’s interesting. At the end of the year, what they try to do is give them some life skills along the way, and say,

    • 58 min
    Make It Last – Ep 175 – The Time Machine

    Make It Last – Ep 175 – The Time Machine

    This week on Make It Last, Victor and Mark will be taking you back to the past, comparing todays retirement world to the retirement world of the 1960s.

    They’ll also be talking about the Gig Economy and the advantages and disadvantages these individuals face. 

    Are You Paying Too Much In Taxes In Retirement? Click here to find out.

    We help you take control of your financial future, visit www.palantewealth.com to learn more!

    Also available on Spotify, Apple Podcasts, & Google Podcasts

    Make It Last is hosted by Victor J. Medina, a Certified Elder Law Attorney (CELA®) and a Certified Financial Planner (CFP™). Founder of Medina Law Group & Palante Wealth Advisors, Victor and his companies are dedicated to empowering people through education about estate planning and their finances.

    • 58 min
    Make It Last Radio – Ep 174 – Let’s Get to Building

    Make It Last Radio – Ep 174 – Let’s Get to Building

    In this episode, Victor & Mark discuss building the financial house that will get you through retirement and all the materials you need to make sure the Big Bad Wolf doesn’t blow your house down.

    How much do you know about taxes? Listen to follow along and test your knowledge with Victor!

    To access additional information, please visit: Don’t Let a Health Crisis Threaten Your Retirement

    Are You Paying Too Much In Taxes In Retirement? Click here to find out.

    Also available on Spotify, Apple Podcasts, & Google Podcasts

    Make It Last is hosted by Victor J. Medina, a Certified Elder Law Attorney (CELA®) and a Certified Financial Planner (CFP™). Founder of Medina Law Group & Palante Wealth Advisors, Victor and his companies are dedicated to empowering people through education about estate planning and their finances.

    • 58 min
    Make It Last – Ep 173 – Even Prince Needs a Plan

    Make It Last – Ep 173 – Even Prince Needs a Plan

    This week on Make It Last Victor and Mark will be discussing inflationary psychology and how inflation can severely impact your retirement plan.

    They’ll also be answering the two biggest questions pre-retirees have- when can I retire, and have I saved enough?

    Finally, they’ll wrap things up with a game of Retirement “Yay or Nay?”

    Download your FREE Checklist Challenge

    Are You Paying Too Much In Taxes In Retirement? Click here to find out.

    We help you take control of your financial future, visit www.palantewealth.com to learn more!

    Also available on Spotify, Apple Podcasts, & Google Podcasts

    Make It Last is hosted by Victor J. Medina, a Certified Elder Law Attorney (CELA®) and a Certified Financial Planner (CFP™). Founder of Medina Law Group & Palante Wealth Advisors, Victor and his companies are dedicated to empowering people through education about estate planning and their finances.

    Full Transcription Below

    Mark Elliot:  How about that, a little Prince to kick things off. This time of the year back in 1986, Prince started a two‑week run at number one on the US singles chart with obviously the song “Kiss.” It was also this week in 2016 that Prince died at the age of 57.

    I think his estate was worth around 200 million. He did not have a valid will at all in place, which is right in the wheelhouse of the Medina Law Group and Palante Wealth. Welcome to “Make it Last” with Victor Medina. I’m Mark Elliott.

    Do you have any questions about where you are on your road to retirement? It’s 856‑506‑8300. No cost, no obligation, no pressure. 856‑506‑8300. We’ll give you that number throughout the program. Prince, he was incredibly talented.

    When you think about it, we all have that situation. We’re not guaranteed tomorrow. Prince passed away unexpectedly at the age of 57. There’s a lot of things you need to put in place. The team at Medina Law Group, that’s what they are here for ‑‑ to help you with estate planning.

    Victor is a certified elder law attorney, so they can help you in that world of estate planning, wills, trust, all those things you need for your life and for your loved ones, really. Then Palante Wealth is about holistic planning for your retirement. Victor is a certified financial planner professional, a registered investment advisor.

    The team at Palante Wealth teams up with the Medina Law Group to create your Make It Last plan and income strategy, investment strategies, tax efficient strategies and, of course, the estate plan.

    We’re going to talk a little bit today on the program to start with, anyway, about inflation. Now, Victor, we know that when we go to the gas station, and we fill up our cars, it’s costing…It seemed like 20 to 30 percent more than it used to. I think I filled up my one car that’s got a pretty big gas tank, and I’ve done it usually around 60 bucks.

    I went a little trip, 90 bucks it cost me. I’m like, “Holy cow, 60 was a lot. 90 is crazy!” Then you go to the grocery store. Right now, meat prices are up about almost 15 percent from March of 2022 to March of 2021. Breakfast cereal prices, up 9.2 in that same time frame. It doesn’t make sense if inflation is around eight‑and‑a‑half percent. That’s what they’re saying.

    High 40‑year‑plus high average of inflation. Why do things go at different levels? Why doesn’t everything go up eight percent?...

    • 58 min
    Make It Last – Ep 172 – Retirement Can Be Taxing

    Make It Last – Ep 172 – Retirement Can Be Taxing

    This week on Make It Last, Victor and Mark will be discussing the not-so-great forecast for taxes, and how current tax rates might be the lowest we’ll see for the rest of our lives.

    They’ll also be talking about an article published by Dr. Ekerdt explaining the differences between having taught the concept of aging and living them… and how wrong he was!

    Finally, they’ll wrap things up with a financial literacy quiz! Listen to find out how well Victor scores!

    Are You Paying Too Much In Taxes In Retirement? Click here to find out.

    Also available on Spotify, Apple Podcasts, & Google Podcasts

    Make It Last is hosted by Victor J. Medina, a Certified Elder Law Attorney (CELA®) and a Certified Financial Planner (CFP™). Founder of Medina Law Group & Palante Wealth Advisors, Victor and his companies are dedicated to empowering people through education about estate planning and their finances.

    Full Transcription Below

     Mark Elliot:  Welcome to “Make It Last” with Victor Medina, I’m Mark Elliot. Victor Medina, of course, has two companies, the Medina Law Group and Palante Wealth. Medina Law Group, and Victor is a practicing estate planning and certified elder law attorney.

    They’re here to help you come up with those powers of attorney wills trust. What do you need when it comes to that phase of your life? That traditional estate planning type stuff that’s certainly important in your retirement planning and Palante Wealth.

    Victor is a certified financial planner, professional registered investment advisor. They’re here to help you come up with a plan and a strategy for retirement. It’s about income, got every income replaced, those paychecks no longer coming in because you’re retired.

    Investment, strategies, taxes, the state planning all of that as a part of the Make It Last plan. If you’d like to learn more, you can always give Victor and the team a call. There’s no cost. They’re here to help. They just don’t know if they can until they hear from you. 856‑506‑8300.

    We’ll give that number throughout the program. 856‑506‑8300. Victor, welcome. How are you?

    Victor Medina:  I’m doing well, Mark. Thanks so much. It’s good to be back here. Again, I’m excited for today’s show, because I think we’re going to be talking about different tax matters.

    I may be the only person that gets really excited to talk about taxes. It’s like, you’re going to the dentist, and you’re like, “Yes, let’s go. Let’s going to have a cleaning.” Let’s talk about the IRS. Let’s talk about taxes. I get really excited about it.

    Mark:  I’m glad you’re excited because the forecast for taxes or maybe not great. The federal income tax rates right now might be the lowest we will ever see for the rest of our lives. Remember, the 2017 tax cuts and Jobs Act went into play January one of 2018, it ends December 31 of 2025.

    We get to 2026, it’s all reverting back to the 17 rates and brackets, so brackets will be squeezed. We’ve even heard that maybe by 2030, the lowest tax bracket, which I think now is at 12 percent, or tax rate is 12 percent, or even talked about 30 percent might be the lowest by 2030. There’s a lot of moving parts here.

    Now, Victor, the Wall Street Journal editorial board had a swift reaction to President Biden’s proposed budget which he unveiled not too long ago, and they wrote this, “This comes from the Wall Street Journal editorial...

    • 58 min

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