150 episodes

A semi-monthly podcast that brings you advice and interviews with experts on various important topics to help you make better and smarter financial decisions in order to improve or maintain your financial situation.

Financial Freedom Podcast Steven J. Richardson, Esq.

    • Education
    • 5.0 • 21 Ratings

A semi-monthly podcast that brings you advice and interviews with experts on various important topics to help you make better and smarter financial decisions in order to improve or maintain your financial situation.

    Achieving Practical Wealth with Curtis May

    Achieving Practical Wealth with Curtis May

    Achieving financial freedom means getting your personal finances in order, so that you are living within your means and have money at the end of the month. But to have true financial freedom long term, with long term goals like retirement, you have to have a financial plan.
    That's why in this episode of the podcast I talk with fellow personal finance podcaster Curtis May on attaining what he calls Practical Wealth.
    In this episode you will learn about:
    - Practical Wealth
    - Cash Flow Mapping
    - Accumulation Theory
    - Velocity of Money Strategy
    - Privatized Banking

    • 51 min
    The Importance of Bonds in Retirement Savings

    The Importance of Bonds in Retirement Savings

    Stocks are a key part of any retirement savings portfolio. Their potential to grow over the course of your working life with a rate of return, despite ups and downs, that can't be beat by CDs or a savings account.
    But bonds are also important to a well balanced portfolio. To find out the particulars in this episode of the podcast, I bring back Certified Financial Planner Michael Karwic for a talk on bonds and how they can be key to a successful retirement. 
    In this episode you will learn:
    - What Kinds of Bonds There Are
    - How Bonds Balance Risk Tolerance
    - About the Tax Advantages of Certain Bonds
    - How Interest Rates Can Vary on Bonds

    • 52 min
    Getting Your Best Financial Life with Anne Lester

    Getting Your Best Financial Life with Anne Lester

    As I've said in previous episodes, the earlier you start saving and investing for retirement, the better. As soon as you graduate with your degree and get a job, you should start on your path to long term financial freedom.
    But how do you get started? How do you put together a plan for retirement investment that will work long term? That's why in this episode of the podcast I talked with retirement expert Anne Lester to get answers to this question.
    In this episode you will learn about:
    What your "money type" is Creating a retirement plan in your 20s & 30s How to find money to invest Retirement planning for the self-employed

    • 52 min
    Personal Finance Tip Roundup

    Personal Finance Tip Roundup

    Financial freedom is a journey, not a destination. Even if you are in good shape now, it takes good habits and discipline to maintain it on into the future. Laws and financial circumstances can change, and you need to be adaptable.
    That's why in this episode of the podcast I wanted to report on some tips, tricks, and changes in the law that might help you have a financially free 2024. 
    In this episode you will learn:
    - Good options for short term savings
    - About college fund to Roth IRA Rollovers
    - How a "Dry January" can save you money
    - About the 12 month student loan "on-ramp"
    - Job Search Tips for 2024
    - How to decide when to claim Social Security benefits

    • 25 min
    How to Choose a Financial Advisor

    How to Choose a Financial Advisor

    Achieving financial freedom is not always easy. Some people have the skills to do it on their own, while others need some expert help and guidance. That's never a bad thing.
    Having that guidance means hiring a financial advisor. But how do you pick one? How do you know if you have the right one for your needs? Getting you answers to those questions is why in this episode of the podcast I talk about the steps you need to take in choosing the right financial advisor for you.
    In this episode you will learn about:
    - The Steps to Choosing an Advisor
    - The Types of Advisors
    - The Kinds of Services They Provide
    - Common Mistakes People Make in Choosing an Advisor

    • 22 min
    Taming the High Cost of College with Brad Baldridge

    Taming the High Cost of College with Brad Baldridge

    The cost of a college education is getting higher and higher. Students are graduating with crushing debt and are either unable to find a job or can't get one that will earn them enough money to pay the loans. Parents often get into debt by cosigning loans, or sacrifice their retirement.
    That's why in this episode of the podcast I wanted to talk to someone who could provide advice and strategies on approaching the cost of higher education and making sure that parents and students have a plan in place way before they decide on a school.
    In this episode you will learn:
    - Where (and when) to begin the planning process
    - How to find out the true cost of a school before picking it
    - How parents can help their children without sacrificing their retirement
    - Can private schools be as affordable as public ones?
    - Is there a different strategy for graduate school?

    • 45 min

Customer Reviews

5.0 out of 5
21 Ratings

21 Ratings

CharleyMann ,

Always great info

Steve does an excellent job of making obscure topics understandable. Find an episode that relates to what you’re dealing with right now and jump in… soon enough, you will be 10 episodes deep and grateful for it!

Maryann Keith ,

Great show!

Steve is such a great interviewer and provides unique perspective as an attorney who is really well versed in personal finance. He picks really great experts to be on his show and I was lucky enough to be one of them. I enjoyed my time with Steve and am so happy to have his podcast as a resource to direct friends and clients to. Check this podcast out, you will learn a lot!

Amyrh3314578 ,

The “Alphabet Soup” of Covid, small business owners & much more

I did a little binge listening to a few different episodes to see what range was being covered. I’m following this one now. The information shared was valuable, and on target. Looking forward to more episodes.

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