The Financial Quarterback® Podcast with Josh Jalinski Josh Jalinski

How can you make your retirement plan truly bulletproof? In this episode of The Financial Quarterback, Josh interviews retirement planning expert David Blanchett. They start by discussing the importance of understanding longevity risk and how annuities can be valuable tools to provide lifetime income. They break down the different types of annuities, including MIGAs, SPIAs, and fixed index options, and emphasize the need to work with knowledgeable advisors to make informed decisions. The conversation then moves to the four percent rule, debating its viability and highlighting the importance of personalized retirement income plans that account for individual circumstances.
The two also tackles the significant impact of healthcare expenses on retirement, exploring strategies like long-term care insurance and Medicaid trusts to mitigate these costs. David shares insights on constructing diversified retirement portfolios, balancing equities and bonds, and making strategic portfolio adjustments to navigate market volatility. Josh and David also explore behavioral finance and how investor behavior can impact financial outcomes.

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How can you protect yourself from the ever-evolving world of financial scams? In this gripping episode, Josh tackles the alarming surge in financial fraud that cost Americans a record $10 billion last year. Josh delves into the mechanics of modern scams, offering historical insights and contemporary examples to arm you against becoming a victim.
Starting with the latest FTC statistics, Josh highlights the rising tide of financial deception and the increasingly cunning tactics used by scammers. He discusses the sinister world of pig butchering scams, which lure victims with promises of financial success before exploiting them for substantial sums. Josh also explores the threat of deepfake technology, where scammers digitally mimic voices and images to defraud unsuspecting individuals.
In the Extra Points segment, Josh is joined by Terrence Yang of Swan Bitcoin. Terrence sheds light on the vulnerabilities in cryptocurrency investments and the troubling use of NFTs as vehicles for scams.

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How can you apply the financial strategies of pro athletes to your own financial game plan? In this episode, Josh dives into the thrilling intersection of professional sports finance and personal financial management. He explores how high-stakes decisions in the sports world can inspire you to bolster your own financial strategy.
Josh kicks off by analyzing the blockbuster contracts of Fernando Tatis Jr. and Shohei Ohtani, and delving into the negotiation tactics used by legends like Derek Jeter. He discusses the financial missteps of Allen Iverson and the business savvy of athletes like LeBron James and Magic Johnson, providing insights on managing sudden wealth and strategic planning.
Josh highlights the importance of planning for long-term sustainability beyond peak earning years, emphasizing education and diversification. He also touches on Shaquille O'Neal's investment strategy and how athletes manage their wealth post-career. Then in "Extra Points," Josh addresses the rising popularity of pickleball, its associated risks amongst seniors, and the importance of balancing physical health with financial planning.

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How does a pro baseball player handle finances on and off the field? In this episode of The Financial Quarterback, Josh sits down with former MLB player and "Foul Territory" co-host Erik Kratz to discuss the intersection of baseball and finance. Erik shares his inspiring journey from being cut from his high school team to spending over a decade in the big leagues.He talks about the financial challenges of playing in the minor leagues and the strategic decisions required to manage wealth as a professional athlete.
Then, Josh and Erik dive into the economic realities of travel sports for young athletes and their families, emphasizing the importance of financial literacy. The two also explore the financial struggles and successes of MLB players, discussing deferred contracts and the complexities of managing large sums of money. Erik shares anecdotes about balancing youth sports, family time, and financial wisdom, and they debate the viability of investment choices like real estate versus luxury cars.
The episode also touches on the controversy surrounding Shohei Ohtani's alleged gambling involvement and the broader implications for athletes' financial decisions. Erik reflects on the power of compounding in long-term investments and the significance of financial stability beyond just wealth.

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How can you optimize your investments to match your life stage? In this episode, Josh Jalinski dives into the crucial topic of asset allocation and its role in achieving financial stability. Josh compares the stages of a professional athlete's career to an individual's investment journey, highlighting the importance of transitioning from high-risk investments like crypto and stocks to more balanced portfolios. He discusses the necessity of evolving investment strategies with age, emphasizing how millennials and other generations can adapt their approaches to reach pivotal financial milestones. Josh also touches on the importance of estate planning in securing and transferring wealth according to one's wishes. And in Extra Points , a caller asks about the viability of the traditional 60/40 investment strategy, sparking a discussion on whether this classic approach still holds up in today's market.

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How can rising tax rates and changes in Social Security impact your retirement planning? In this episode, Josh is joined by Bob Carlson, editor of Retirement Watch and a seasoned expert in retirement finance. They tackle the critical issues facing retirees today, from navigating potential tax hikes and understanding Medicare changes to strategic real estate investments and the expanding role of digital currencies.
Josh and Bob discuss the implications of rising tax rates and how individuals can adapt their long-term tax strategies to safeguard their financial future. They dive into the shifting landscape of Medicare, particularly Medicare Advantage plans, and offer advice on evaluating these plans during open enrollment periods. The conversation also covers the importance of realistic longevity projections in retirement planning and the impact this has on Social Security and investment decisions. Bob shares his insights on the current state of the real estate market, highlighting different asset class trends and the transformation of commercial properties into residential spaces. They also explore the world of gold investments and the implications of central bank digital currencies on personal finance.
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