98 episodes

Financial and retirement planning guidance from the team at RPA Wealth Management. Join president Brent Pasqua and CERTIFIED FINANCIAL PLANNER™ Matthew Theal and Joshua Winterswyk each show for helpful conversations about money, life, and retirement. Listen to this show and you’ll be sure to have an excellent Retirement Plan Playbook.

Retirement Plan Playbook Matthew Theal, Brent Pasqua, Joshua Winterswyk

    • Business
    • 5.0 • 26 Ratings

Financial and retirement planning guidance from the team at RPA Wealth Management. Join president Brent Pasqua and CERTIFIED FINANCIAL PLANNER™ Matthew Theal and Joshua Winterswyk each show for helpful conversations about money, life, and retirement. Listen to this show and you’ll be sure to have an excellent Retirement Plan Playbook.

    Beyond the Numbers: Embracing the Lifestyle Shift in Retirement (Ep. 97)

    Beyond the Numbers: Embracing the Lifestyle Shift in Retirement (Ep. 97)

    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

    • 44 min
    Maximize Your Retirement: The 2024 Guide to Deductible IRA Contributions (Ep.96)

    Maximize Your Retirement: The 2024 Guide to Deductible IRA Contributions (Ep.96)

    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
     

    • 31 min
    Sequence Risk: The Hidden Threat to Your Retirement Plan (Ep.95)

    Sequence Risk: The Hidden Threat to Your Retirement Plan (Ep.95)

    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

    • 47 min
    Exploring the 4% Withdrawal Rule (Ep.94)

    Exploring the 4% Withdrawal Rule (Ep.94)

    On this episode of The Retirement Plan Playbook, hosts, Brent Pasqua, Matthew Theal, and Joshua Winterswyk of Evermont Wealth, discuss the 4% withdrawal rule, a guideline that helps to craft a sustainable retirement plan. The rule suggests that retirees can withdraw 4% of their portfolio every year during retirement, adjusting for inflation subsequently, and the portfolio should, theoretically, last for 30 years.
    However, the participants emphasize the complexity of the rule and the dynamic nature of the planning based on lifestyle, market conditions, taxes, and unforeseen needs. They also debate the rule’s limitations and potential misapplications, presenting a case for a personalized approach to financial management.
     
    00:02 Introduction to the Retirement Plan Playbook
    00:55 Discussion on the 4% Withdrawal Rate
    01:41 Super Bowl Excitement and Predictions
    04:06 Exploring the New Apple Vision Pro
    08:53 Netflix's Entry into Live Sports
    12:12 Understanding the 4% Rule for Retirement
    21:58 The Bowling Alley Analogy: Guardrails in Financial Planning
    22:31 The Importance of Flexibility in Retirement Income Planning
    26:34 The Challenge of Conservative Investment and Income Approaches
    28:09 The Art of Retirement Planning: Individualizing the Approach
    30:33 The Impact of Taxes on Retirement Withdrawals
    32:01 The Importance of Regular Financial Review and Planning
    35:16 Final Thoughts on the 4% Rule and Retirement Planning
     
    Connect with Evermont Wealth: 
    matthew@evermont.com
    (909) 296-7977
    Evermont.com
    LinkedIn: Matthew Theal
    LinkedIn: Brent Pasqua
    LinkedIn: Joshua Winterswyk
    LinkedIn: Evermont Wealth

    • 41 min
    Rebranding, Market Updates and 2024 Predictions (Ep.93)

    Rebranding, Market Updates and 2024 Predictions (Ep.93)

    In this episode of the Retirement Plan Playbook podcast, Brent Pasqua, Matthew Theal and Joshua Winterswyk, of Evermont Wealth, discusses the company's rebranding in order to build stronger brand recognition and better align with their vision for the future.
    The podcast also recaps market trends from 2023. An optimistic year that defied bearish predictions, major indexes like the S&P 500 and the Nasdaq saw returns of over 24 and 43% respectively.
    Despite challenges like increased layoffs in a variety of sectors and potential inflation, the overarching strategy remains passive investing. In terms of what could stall the ongoing rally, factors such as increased inflation, economic slowdown, and escalation of global conflicts were identified.
    The episode also highlights the approval of Bitcoin ETFs as a revolutionary step which could steer retirement planning in 2024. Brent shares his personal plan to continue building on AI-focused stocks, reflecting a widespread optimism towards AI's future. The episode concludes with some personal anecdotes and well wishes for a great year ahead.
    00:01 Introduction and Welcome Back
    00:28 Discussing the Rebranding from RPA to Evermont
    02:46 The Importance of a Good Company Name
    04:00 The Journey to the New Brand Name: Evermont
    06:28 The Significance of the New Logo
    06:49 Reflecting on the Rebranding Process
    08:28 The Impact of the Rebranding on the Company's Future
    10:45 Recapping the Market Performance in 2023
    12:54 Investing Lessons from 2023
    16:23 Investing Trends for 2024
    21:02 Favorite Purchases of 2023
    23:03 Discussing a Recent Concert Experience
    23:38 Sharing Favorite NFL Team Experiences
    24:46 Office Remodeling and Family Trip to Disney World
    25:47 Reflecting on the Value of Experiences Over Materialistic Purchases
    26:50 Predicting Market Trends for 2024
    29:58 Changes in Retirement Planning in 2024
    34:14 Personal Investment Strategies for 2024
    38:50 Anticipated Big Purchases for 2024
    42:01 Closing Thoughts and Wishes for a Prosperous Year
    Connect with Evermont Wealth: 
    matthew@evermont.com
    (909) 296-7977
    Evermont.com
    LinkedIn: Matthew Theal
    LinkedIn: Brent Pasqua
    LinkedIn: Joshua Winterswyk
    LinkedIn: Evermont Wealth

    • 44 min
    Bull Run: A Deep Dive into the 2nd Quarter Market Surge (Ep.92)

    Bull Run: A Deep Dive into the 2nd Quarter Market Surge (Ep.92)

    In this episode, we provide a comprehensive review of the financial market's performance over the past quarter. 
    We begin with a discussion on:
    The significant drop in inflation rates, a key indicator of economic health.
    The Biden administration's decision to resume federal student loan payments, a move that impacts millions of borrowers.
    Nvidia's impressive entry into the $1 trillion market valuation club, a testament to the growing influence of AI.
    Fidelity's filing for a spot bitcoin ETF, a move that could potentially revolutionize cryptocurrency investment.
    Apple's launch of the Vision Pro mixed reality headset, a product that could redefine the tech landscape.
    Soccer legend Lionel Messi's decision to join MLS club Inter Miami.
    In our Retirement Planning Corner, we provide an overview of:
    The year-to-date returns of major indices, including the Dow Jones Industrial Average, S&P 500, and Nasdaq Composite.
    Current interest rates, a crucial factor for investors and borrowers alike.
    The state of the stock market, with visuals to illustrate key trends and movements.
    We also share our personal investment strategies and financial planning goals, offering insights into:
    Our portfolio management tactics.
    Our approaches to maximizing 401k contributions.
    Our strategies for navigating higher prices and budgeting effectively.
    Whether you're a seasoned investor or just starting out, this episode is packed with valuable insights and expert analysis on the latest market trends and financial planning strategies.
    Connect with RPA Wealth Management: 
    info@rpawealth.com 
    (909) 296-7977
    RPA Wealth Management
    LinkedIn: Matthew Theal
    LinkedIn: Brent Pasqua
    LinkedIn: Joshua Winterswyk
    LinkedIn: RPA Wealth Management

    • 46 min

Customer Reviews

5.0 out of 5
26 Ratings

26 Ratings

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