Smart Retirement is a podcast that helps guide, protect, and educate those preparing for retirement or that are already in retirement. We will have a combination of guests from various industries, ideas of products and services that help consumers and most importantly, build a learning environment for our listeners.
Mike and Matt pride themselves on simplifying the complexities of income and asset planning to make the rest of your life the best of your life!
Give us a call today at (866) 53-RETIRE
NMLS# 1246224 (CA Only)
National Producer #17191418
CA License# 0I75638
Episode 51: The importance of being your own Boss vs being an Employee
Are you Risk Averse? Being your own boss requires some degree of risk. How good are you with dealing with risks and can you look at risk as a fun and rewarding challenge? In racing, every lap takes you approx. 2 min, each lap we get a new challenge or opportunity to do better. As a business owner, everyday is a new challenge. Sometimes with many rewards. Are you ready for that opportunity?
One of the best perks about being your own boss is that you not only get to create an amazing job and work environment for yourself but for others, as well. By creating your own company and hiring staff, you're giving back to others, as well as to the local and national economy.
You earn more money. On average, freelancers earn 45% more than those who are traditionally employed. They're also allowed to deduct certain business expenses that employees are not, allowing them to actually keep more of what they earn.
It's true that when you run your own business you will have much less job security than when you work for someone else's company, or at least until your business becomes a success and starts to generate a good income.
Episode 50: Inflation - How it can mess with your retirement plans!
In this episode Mike, Matt and guest speaker Jeff discuss how inflation can be the silent killer to your business and retirement portfolio. With all the government stimulus and businesses having to increase wages to attract good talent, the cost of living is increasing. We discuss steps to counterbalance inflation so that it does not have a significant affect in your future.
We also give a sincere good-bye to Mike and introduce Jeff Shulem, CPA as the new co-host to the podcast.
Episode 49: What is Cryptocurrency, and is it worth owning?
In this episode Mike and Matt bring on a guest that was involved in the beginning creations of cryptocurrency. Michael Noel, Certified Blockchain Professional with Blockchain Consultants. Michael Co-Founded Blockchain Consultants, Inc. in 2016. He has been helping companies in multiple industries adopt Distributed Ledger Technology ever since. This is more of an educational show on how Cryptocurrency really works, and less about why you should hold or not hold some cryptocurrency in your retirement portfolio. Once again, the guys are bringing on more guests from different walks of life to help listeners get more informed decisions about products and investment options out in the World to help you retire smarter.
Special Guest: Michael Noel, CBP.
Episode 48: Thinking like a Retiree in your 40’s & 50’s – Part 3
This is the final episode in our 3 part series that helps listeners focus on simple ways to start thinking like you are a retiree in your 40’s & 50’s, so that you can take advantage of your best asset - TIME. In this episode, Matt has the chance to interview Sylvain Templeman, Executive Vice President and National Sales Manager of The Pacific Financial Group. They go into detail about the concept of turning all, or some, of your 401(k) into a self-directed fund that gives Investors so many options they are not used to taking advantage of with their current Custodian. What is great about this episode is how Sylvain takes the time to explain how he brings so many other retirement options “to the table”; and, he explains how almost everyone with a 401(k) can take advantage of this opportunity. It's important to think of how this style of investing in your 40’s & 50’s can provide with all types of alternatives that keep you involved with your allocation, and diversification options, a good 10-20 years before you have to retire and start wondering what you are going to do at that time to make your money last.
Who is The Pacific Financial Group - https://www.youtube.com/watch?v=o1FIvDjEUoE&feature=youtu.be
Advisory services are offered through The Pacific Financial Group, Inc. a registered investment adviser registered with the U.S. Securities and Exchange Commission. Nothing in this message shall be construed as an offer to buy/sell or to otherwise provide financial advice or services (“Services”) as such Services can only be provided after the proper delivery of required disclosures and investment suitability is reviewed. Century Financial Consultants/Smart Retirement Podcast, have no affiliation with The Pacific Financial Group.
Special Guest: Sylvain Templeman.
Episode 47: Thinking like a Retiree in your 40’s & 50’s – Part 2
In this episode, Mike and Matt lay the groundwork to help you start understanding what the average amount you should have in your retirement accounts when you are in your 30’s, 40’s, and 50’s. In addition to that, Matt helps those revisit or understand for the first time, the concept of maximizing your “free money” with your 401k match with the Employer, then your tax deferred savings, and then caps off the conversation with your tax free savings. He saves the best idea for last when he explains the various ways that an indexed universal life insurance product can give you the opportunity to build more wealth over time with a secure return that you can borrow against tax free, and all while not having to make a repayment since you are your own Bank…it’s pretty cool stuff.
Episode 46: Thinking like a Retiree in your 40’s & 50’s - Part 1
This show begins a 3-part Series where the guys will go into detail on how to habitually prepare for retirement in your 40’s and 50’s, so that you can retire sooner with confidence. The episode starts with Mike and Matt quickly warming up with a discussion about the asset inflation taking place in the U.S. Real Estate Market – in January the Year-over-Year National average price increase for Real Estate was 11.2%, and this was a 15 year high. Additionally, they discussed how the lack of Affordable homes will affect everyone, but truly is affecting the First Time home buyer the most and those that are renting who don’t have the means for a down payment. As they come back from the break, the guys lay out the major “hurdles” and focal points those in their mid-40’s to late 50’s as retirement nears closer and closer, such as: Debt consolidation; optimizing your 401(k) distributions; calculate your net worth; and, have good discussions with those that are Retirees.
The information I learned from Matt and Mike was great. I was able to apply the information provided immediately to my retirement plan. I look forward to working with them in the future.
I listened to the first few episodes and was blown away by how much useful content there was. I made a call to Matt and he has helped my mom FIX her financial stress.