Retirement Plan Playbook Matthew Theal, Brent Pasqua, Joshua Winterswyk

The Retirement Plan Playbook, hosted by Brent Pasqua, Matthew Theal, and Joshua Winterswyk of Evermont Wealth, celebrates its 100th episode milestone.
Reflecting on the journey since its inception in 2018, the hosts discuss the evolution of the podcast through challenges, including a pause during the pandemic and subsequent resumption due to client demand. They reminisce about past episodes, highlighting topics like social security, bond ladders, and selling businesses.
 The episode then shifts focus to the first quarter of 2024, exploring major financial themes such as inflation, interest rates, stock market performance, and geopolitical tensions. The hosts examine how these factors influence retirement planning, investment strategies, and the broader economy.
The episode concludes with predictions for the upcoming quarters, emphasizing the importance of planning, staying informed, and seeking professional advice for a successful retirement.
 
00:40 The Journey to 100 Episodes: Reflections and Highlights
02:21 Favorite Episodes and Listener Feedback
03:32 Exciting Announcement for Listeners
03:39 Deep Dive into the First Quarter of 2024: Economic Insights
08:28 Inflation and Interest Rates: A Closer Look
12:46 The Bond Market Explained: Opportunities and Challenges
18:13 Housing Market Dynamics and Mortgage Rates
21:11 Market Leadership Shifts: Gold, Oil, and More
23:27 Baby Boomers vs. Millennials: Economic Impacts
25:06 The Tech Sector's Winners and Losers
28:22 Predictions for Q2 of 2024: Market Trends and Volatility
30:13 Investment Strategies and the Rise of AI
32:41 Personal Finance Tips and the Importance of Diversification
36:11 Recommends: Personal Stories and Tips
42:49 Closing Thoughts and Future Outlooks
Connect with Evermont Wealth: 
matthew@evermont.com
joshua@evermont.com
(909) 296-7977
Evermont.com
LinkedIn: Matthew Theal
LinkedIn: Brent Pasqua
LinkedIn: Joshua Winterswyk
LinkedIn: Evermont Wealth

In this episode of the Retirement Plan Playbook, hosted by Brent Pasqua, Matthew Theal, and Joshua Winterswyk of Evermont Wealth, focuses on affording long-term care in retirement.
The episode begins with casual banter about baseball and moves into more serious topics like the sentencing of Sam Bankman-Fried and the performance and implications of Donald Trump's, “Truth Social” SPAC offering under the ticker symbol DJT.
The core of the show is an extensive look at the considerations, costs, and planning strategies around long-term care, emphasizing the importance of early and informed planning to secure a comfortable and worry-free retirement.
01:19 Baseball Season Banter: Angels' Woes
03:57 Sam Bankman-Fried's Sentence: A Deep Dive into the FTX Saga
09:13 The Trump SPAC and Truth Social: Investment or Political Contribution?
13:48 Navigating Long-Term Care Costs in Retirement Planning
21:08 Exploring Self-Insurance and Out-of-Pocket Care Costs
24:32 Challenges and Trust Issues with Long-Term Care Policies
26:24 Alternative Strategies for Long-Term Care Planning
28:29 Utilizing Home Equity and Other Assets for Long-Term Care
31:44 Creating a Personal Long-Term Care Fund
37:35 Evermont Recommends
Connect with Evermont Wealth: 
matthew@evermont.com
joshua@evermont.com
(909) 296-7977
Evermont.com
LinkedIn: Matthew Theal
LinkedIn: Brent Pasqua
LinkedIn: Joshua Winterswyk
LinkedIn: Evermont Wealth
 
 

In this episode of the Retirement Plan Playbook, hosts Matthew Theal and Joshua Winterswyk from Evermont Wealth dive into the debate of Roth IRA vs. Traditional IRA. They begin with casual conversations about March Madness, and then transition into hot take headlines including potential TikTok bans and an antitrust suit against Apple.
The core of the episode is dedicated to unraveling the intricacies of Roth and Traditional IRAs, discussing their benefits, limitations, and suitability for different financial scenarios. The hosts also touch upon spousal contributions, the backdoor Roth IRA strategy, and present the new provision allowing 529 plans to be rolled over into Roth IRAs.
The episode concludes with personal recommendations, highlighting the benefits of a new golf club and recommending 'The Gentlemen' on Netflix.
01:28 March Madness and Bracket Bets
03:01 Hot Take Headlines: Federal Reserve and Interest Rates
06:39 Inflation Insights and Economic Theories
11:13 TikTok Ban Controversy: Security vs. Social Media
14:04 Apple's Antitrust Suit: A Tech Giant Under Scrutiny
16:44 The Impact of Apple on the Stock Market
17:28 Apple's Legal Battles and Potential Outcomes
18:43 Retirement Planning Corner: IRA vs. Roth IRA
23:23 The Traditional IRA: An Underutilized Tool
25:06 Navigating Non-Deductible IRA Contributions and Backdoor Roth IRAs
28:39 Maximizing Retirement Savings: Strategies Beyond the 401k
30:08 Final Thoughts and Recommendations
Connect with Evermont Wealth: 
matthew@evermont.com
joshua@evermont.com
(909) 296-7977
Evermont.com
LinkedIn: Matthew Theal
LinkedIn: Brent Pasqua
LinkedIn: Joshua Winterswyk
LinkedIn: Evermont Wealth

In this episode of the Retirement Plan Playbook, hosts Brent Pasqua, Matthew Theal, and Joshua Winterswyk of Evermont Wealth discuss investment strategies, retirement planning, and current events.
The conversation kicks off with an analysis of the cryptocurrency market's recent bullish trends, particularly highlighting Bitcoin's surge following ETF announcements. The team explores inflation's impact, potential Federal Reserve actions, and the broader implications for investors.
The episode transitions to discuss the cancellation of Apple's ambitious Project Titan car initiative, focusing on the implications for AI development and the challenges of automobile manufacturing.
The hosts also address a potential future where 401k plans could be reevaluated by the government, examining the implications for savers and the overall economy.
 Lastly, the episode delves into lifestyle planning for retirement, emphasizing the importance of finding a new purpose, staying socially, physically active, and planning for unexpected scenarios.
The dialogue concludes with personal recommendations and a candid discussion about fast food choices and prices, offering a light-hearted reflection on the accessibility and costs of convenience meals in today's economy.
 
01:35 The Bitcoin Boom: A Deep Dive into Cryptocurrency Trends
03:31 Inflation and Economic Trends: Navigating the Financial Landscape
07:10 Apple's Project Titan Cancellation: Shifting Focus from Cars to AI
11:58 The Future of 401k Plans: Debunking the Myths
17:03 Beyond the Numbers: Embracing the Lifestyle Shift in Retirement
22:59 Finding Purpose in Retirement
29:11 The Importance of Continuous Learning and Growth
31:21 Financial Planning for Retirement: Preparing for the Unexpected
32:37 Setting Goals and Planning for a Successful Retirement
35:04 Evermont Recommends: Air Fryers, Fast Food, and Birthday Wishes for Brent
Connect with Evermont Wealth: 
matthew@evermont.com
joshua@evermont.com
(909) 296-7977
Evermont.com
LinkedIn: Matthew Theal
LinkedIn: Brent Pasqua
LinkedIn: Joshua Winterswyk
LinkedIn: Evermont Wealth

The Retirement Plan Playbook podcast, hosted by Brent Pasqua, Matthew Theal, and Joshua Winterswyk of Evermont Wealth, explores investment strategies, retirement planning, and current events. They aim to equip listeners with insights to build a robust retirement playbook that can adapt to any political or economic climate.
This episode discusses the stock market, interest rates, inflation in relation to the Federal Reserve's decisions, and the influence of tech companies Nvidia and Super Microcomputer on the stock market. They also touch upon a major acquisition by Capital One and delve into the complexities of making deductible IRA contributions.
 
00:36 Hosts' Casual Conversation and Personal Stories
03:08 Deep Dive into the CPI and Inflation
05:32 Nvidia's Earnings and Impact on the Market
09:03 Super Microcomputer: A New Player in the Market
11:41 Capital One's Acquisition of Discover Card
14:15 Jeff Bezos Selling Amazon Stock: An Analysis
17:33 Understanding IRA Contributions
18:54 The Impact of Roth IRA Contributions on IRA Eligibility
19:37 The Potential of Splitting IRA and Roth Contributions
23:59 Understanding the IRA Contribution Eligibility for Married Couples
27:06 Evermont Recommends: TV Shows and MLS Season
 
Connect with Evermont Wealth: 
matthew@evermont.com
(909) 296-7977
Evermont.com
LinkedIn: Matthew Theal
LinkedIn: Brent Pasqua
LinkedIn: Joshua Winterswyk
LinkedIn: Evermont Wealth
 

In this episode of the Retirement Plan Playbook, hosts Brent Pasqua, Matthew Theal, and Joshua Winterswyk discuss the concept of sequence risk in retirement planning.
Sequence risk refers to the risk of receiving lower or negative returns early in a period when retirees begin to withdraw money from their retirement funds. They examine how strategies like portfolio diversification, maintaining a bigger cash reserve, and hiring a financial planner can mitigate sequence risk.
Nevertheless, they caution against relying on annuities, as they often yield poor returns.
00:02 Introduction to the Retirement Plan Playbook
02:21 Impact of Southern California’s Rain Storm
03:38 Discussing Federal Reserve Meeting and Interest Rates
09:03 Exploring the Influence of Tech Companies on Economy
13:24 Deep Dive into Sequence Risk and Retirement Planning
23:28 The Impact of Market Downturns on Retirement Portfolios
26:14 Strategies to Mitigate Sequence Risk
28:19 The Importance of Detailed Planning and Clear Communication
28:36 The Fear of Missing Out (FOMO) in Investment Decisions
29:30 The Controversy Surrounding Annuities
34:11 The Role of Financial Advisors in Retirement Planning
35:35 The Importance of Proactive Planning and Review
37:24 The Importance of Tax Planning in Retirement
38:35 Final Thoughts on Sequence Risk and Retirement Planning
40:46 Recommendations and Concluding Remarks
Connect with Evermont Wealth: 
matthew@evermont.com
(909) 296-7977
Evermont.com
LinkedIn: Matthew Theal
LinkedIn: Brent Pasqua
LinkedIn: Joshua Winterswyk
LinkedIn: Evermont Wealth