Common Sense Investing with Victor McClure

McClure Capital
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Victor has been helping families find the financial freedom and confidence they deserve since 1988, the year he returned to his home state of Texas from serving our country in the military.  As president and owner of McClure Capital and McClure Capital Advisors, Victor is a financial professional who can offer investment and insurance products and services.  Victor shares his financial and retirement expertise on “Common Sense Investing,” which airs weekly.  Victor has been using his show to help listeners find solutions to their financial concerns for almost 30 years. Disclosure: Fee-based products and services offered by McClure Capital Advisors Inc., a Registered Investment Advisor (RIA) in the state of Texas. Insurance products are offered by McClure Capital, Inc., an insurance agency in the state of Texas.

  1. 5d ago

    Active vs. Passive

    For more information about Victor McClure, Steve Ringo and the McClure Capital team, visit https://mcclurecapital.com/

  2. Jul 18

    The Cost of the Life You Want & Top 5 Retirement Questions

    This week on the Common Sense Investing Show, Victor McClure and his team took an in-depth look at the real costs of retirement, focusing on how much retirees actually spend each month and the critical importance of positive cash flow. Using recent federal data, the show noted that the average American over 65 spends about $5,120 per month, but many find their actual expenses—especially in areas like housing, taxes, and healthcare—are significantly higher. Victor emphasized that spending, rather than saving, is the real story in retirement planning; regardless of your nest egg’s size, high spending without discipline can quickly erode even substantial savings. The discussion covered strategies like the 4% rule to estimate how much one should save, the impact of inflation over time, and the necessity of maintaining flexibility for unexpected costs. The program also highlighted the importance of diversification and reliable income streams to manage risks such as market volatility, healthcare expenses, and potential changes to Social Security and Medicare. The team advised against carrying debt into retirement, suggested maximizing retirement contributions whenever possible, and underscored the value of written, stress-tested retirement plans that prioritize both cash flow and inflation protection. For more information about Victor McClure, Steve Ringo and the McClure Capital team, visit https://mcclurecapital.com/

  3. Jul 11

    Cost of Retirement

    For more information about Victor McClure, Steve Ringo and the McClure Capital team, visit https://mcclurecapital.com/

  4. Jul 4

    Mid-Year Check Up

    For more information about Victor McClure, Steve Ringo and the McClure Capital team, visit https://mcclurecapital.com/

  5. Jun 27

    The Early Exit & Roth Conversion Window

    This week on the Common Sense Investing Show, guest hosts Steve Ringo and Raymond McClure discussed a USA Today report highlighting that 59% of respondents retired earlier than planned, often due to factors like health setbacks and job loss. They emphasized the importance of proactive retirement planning, noting that unexpected early retirement can significantly impact savings, Social Security benefits, and overall financial security. The hosts encouraged listeners to understand the challenges that come with transitioning from accumulating assets to distributing income, stressing the need for written financial plans and regular portfolio reviews as retirement approaches. The conversation also addressed common misconceptions regarding Roth conversions, underscoring the benefits of personalized strategies versus converting entire retirement accounts at once. Listeners were encouraged to connect with the McClure Capital team for a complimentary retirement stress test to prepare for both planned and unexpected changes in their financial future. For more information about Victor McClure, Steve Ringo and the McClure Capital team, visit https://mcclurecapital.com/

  6. Jun 20

    Beyond the Market: Modern Strategies for Risk Management and Retirement Success

    For more information about Victor McClure, Steve Ringo and the McClure Capital team, visit https://mcclurecapital.com/

  7. Jun 13

    From Family to Finance: Real Solutions with Victor and Diana McClure

    This week on the Common Sense Investing Show, Victor McClure was joined by Diana McClure, Victor’s wife and an important member of the McClure Capital team. With Steve Ringo out, Diana shared her evolving role—from office management to directing the firm’s rapidly growing video and social media efforts, including outreach to the Hispanic community. The show highlighted the value of connecting through multiple platforms, the benefits of bilingual services, and the importance of being proactive about retirement planning. The hosts emphasized the firm’s approach to providing no-cost retirement stress tests and the hands-on support available for client questions and second opinions. The show also featured answers to listener questions on major retirement topics. Victor addressed long-term care insurance, explaining pros and cons of various options and stressed the need to run the numbers before making decisions. Other topics included strategies for retiring during layoffs, contributing to grandchildren’s education without jeopardizing one’s own retirement, and assessing retirement dreams like opening a bed and breakfast. Throughout, the team underscored the importance of comprehensive planning, continual learning, and honest client communication. For more information about Victor McClure, Steve Ringo and the McClure Capital team, visit https://mcclurecapital.com/

  8. Jun 6

    The Magic Retirement Number and Tax Shock

    This week on the Common Sense Investing Show, Victor McClure and Steve Ringo tackled the latest headlines about the so-called "magic number" for retirement. Referencing a new Northwestern Mutual study, they discussed Americans’ perception that $1.46 million is now needed to retire comfortably—up considerably from the old standard of $1 million. Victor and Steve emphasized that the ideal retirement savings number varies significantly based on individual lifestyle, spending habits, and income expectations. The hosts highlighted that factors like inflation, taxes, and the unpredictability of market returns mean retirees should focus more on generating reliable income and less on reaching a specific account balance. They also urged listeners to avoid pitfalls like “lifestyle creep” and to plan ahead for longevity, noting that more Americans expect to live to age 100 and must prepare for potentially decades-long retirements. The conversation further explored how higher incomes and larger portfolios do not always equate to financial security in retirement, especially given rising expenses and unexpected tax obligations from required minimum distributions. The show stressed the importance of a detailed, written retirement plan, holistic tax strategies, and maximizing employer-sponsored retirement accounts such as 401(k)s—always crafted with each individual's goals, risk tolerance, and time horizon in mind. For more information about Victor McClure, Steve Ringo and the McClure Capital team, visit https://mcclurecapital.com/

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About

Victor has been helping families find the financial freedom and confidence they deserve since 1988, the year he returned to his home state of Texas from serving our country in the military.  As president and owner of McClure Capital and McClure Capital Advisors, Victor is a financial professional who can offer investment and insurance products and services.  Victor shares his financial and retirement expertise on “Common Sense Investing,” which airs weekly.  Victor has been using his show to help listeners find solutions to their financial concerns for almost 30 years. Disclosure: Fee-based products and services offered by McClure Capital Advisors Inc., a Registered Investment Advisor (RIA) in the state of Texas. Insurance products are offered by McClure Capital, Inc., an insurance agency in the state of Texas.

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