Dollars & Common Sense

Wealthway Financial Advisors
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A listener-driven radio show aired on WNIS AM790. Objective, unbiased financial advice on all personal financial planning matters delivered by CERTIFIED FINANCIAL PLANNERS™.

  1. -5 ДН.

    The Hidden Risk of Underspending in Retirement

    Many retirees spend decades doing everything right financially, only to find themselves holding back far more than they need to once retirement begins. This episode explores the often-overlooked risk of underspending and why fear, not math, is usually the driving force behind it. We break down how this cautious mindset can quietly limit experiences, increase stress, and lead to regret later in life. You will hear why traditional planning often falls short in giving people real confidence to spend. Most importantly, we share how a thoughtful, coordinated plan can help turn savings into a reliable paycheck and give you permission to truly enjoy retirement. Because the goal is not just to avoid running out of money, but to fully live the life you worked so hard to build.

    43 мин.

  2. 16 АПР.

    Tax Planning vs. Tax Filing: Why It Matters

    This episode breaks down one of the biggest misconceptions in personal finance: the idea that taxes are solved in April. We explore the critical difference between tax filing and tax planning, and why most of the decisions that impact your taxes are made long before you ever sit down to file. You’ll learn how everyday financial choices like saving, investing, and timing income can shape your long-term tax picture. We also discuss why so many people miss planning opportunities and how that leads to unnecessary stress each year. By the end, you’ll walk away with a clearer understanding of how proactive tax planning can lead to better outcomes and fewer surprises.

    43 мин.

  3. 26 МАР.

    Decisions You Make During the Year That Shape Your Taxes

    Most people think tax season is when their taxes are decided, but in reality, the outcome is shaped by financial decisions made throughout the entire year. This show breaks down how choices around retirement savings, investment activity, income timing, and charitable giving all play a role in what you ultimately owe. Instead of reacting in April, we explore how proactive planning can lead to more predictable and efficient tax outcomes. You will learn how small decisions made consistently can add up to meaningful tax savings over time. The goal is not to avoid taxes entirely, but to make smarter, more informed choices that align with your long term financial plan.

    43 мин.

  4. 12 МАР.

    The Financial Advice People Wish They Had Followed 10 Years Earlier

    In this episode of Dollars & Common Sense, we explore the financial advice people most often say they wish they had followed ten years earlier. Looking back, many individuals realize that a few key decisions—such as saving earlier, staying invested during market volatility, and avoiding lifestyle creep—can have a major impact on long term financial confidence. We discuss why time and consistency are some of the most powerful forces in building wealth and how small habits compound into meaningful results over decades. The show also highlights the value of financial guidance and how planning conversations can help people stay focused on long term goals. Most importantly, this episode reframes financial hindsight not as regret, but as a learning tool that can help listeners make better decisions moving forward.

    43 мин.

  5. 26 ФЕВР.

    From Paycheck to Portfolio: Turning Savings Into Steady Income

    This episode focuses on one of the most challenging transitions in retirement: moving from steady paychecks to generating income from savings. It explores why the loss of a predictable paycheck creates stress even for retirees with substantial assets, and how that stress is often rooted in uncertainty rather than investment performance alone. The conversation breaks down key risks such as sequence of returns, emotional reactions to market volatility, and the mindset shift required to move from saving to spending. Listeners are guided through building reliable income layers using Social Security, pensions, and sustainable portfolio withdrawals to create structure and predictability. The show also emphasizes flexibility as a built in safety valve, highlighting how thoughtful income planning can reduce anxiety, increase confidence, and replace paychecks without replacing peace of mind.

    43 мин.

  6. 12 ФЕВР.

    The Retirement Red Zone

    In this episode, we define the Retirement Red Zone—the five years before and after retirement—when financial decisions become larger, more permanent, and far less forgiving. We walk through the five critical choices that can make or break retirement: when to claim Social Security, how to turn savings into reliable income, managing taxes and RMDs, preparing for healthcare and longevity risk, and ensuring control and continuity if life interrupts the plan. The central message is clear: retirement success is driven less by chasing performance and more by coordination across income, taxes, healthcare, and family decisions. If you’re approaching retirement—or already there—this episode offers a structured framework to avoid costly missteps and replace uncertainty with clarity and confidence.

    43 мин.

  7. 29 ЯНВ.

    Top 10 DIY Investor Mistakes (and how to avoid them)

    Most DIY investors don’t have an investing problem—they have a behavior problem, and this episode proves it with hard numbers: over the last 10 years, the average investor trailed the S&P 500 by about 3.3% per year, and even over 20 years they lagged by roughly 1.1% per year. We break down the 10 most common mistakes—from panic-selling and market timing to performance chasing, poor diversification, and treating investing like entertainment. Then we lay out an “advisor-like” improvement plan you can implement immediately: a one-page investing rulebook, automation, and a simple rebalancing system designed to keep emotions from hijacking results. We wrap with practical guidance for listeners who decide they want professional help, including what to look for in a fiduciary CFP® at a Registered Investment Advisor.

    43 мин.

  8. 15 ЯНВ.

    The 2026 Money Reset -- Actions to Win the Year

    Kick off the new year with a simple game plan that can make the rest of 2026 feel calmer, clearer, and more in control. In this episode, we break down practical “do-it-this-week” moves—tightening up cash flow, building an emergency cushion, and setting your retirement savings on autopilot—without the jargon or technicalities. We’ll also share a quick 2025 market performance recap (including small-cap, international, and emerging markets) and highlight key 2026 updates like retirement contribution limits and important tax changes to know. If you’ve been waiting for a fresh start, this is it: small steps now can create big momentum all year long.

    44 мин.
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A listener-driven radio show aired on WNIS AM790. Objective, unbiased financial advice on all personal financial planning matters delivered by CERTIFIED FINANCIAL PLANNERS™.

Информация

  • Автор
    Wealthway Financial Advisors
  • Годы выхода
    2016 - 2026
  • Выпуски
    101
  • Ограничения
    Без ненормативной лексики
  • Авторские права
    © All rights reserved
  • Сайт подкаста
    Dollars & Common Sense

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