What Are Your Thoughts?

LifePoint Planning - Doug Oosterhart
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Financial advisors talk current financial topics, social culture around money, and questions their clients ask.

  1. 11/21/2022

    WAYT S3E14: When does a Roth make sense?; Logistics of 401(k) Rollovers; Missing the downside when the market falls

    Prospective client questions answered: I thought you should only use a Roth if you expect your tax rate to be higher later? Is this true? Does my money stay invested when I roll it from my old 401(k) to my IRA? Can we only take advantage of upside returns and "miss" any downturn in the market? Send any questions to: info@lifepointplanning.com

    22 min

  2. 10/19/2022

    WAYT S3E13: 401(k) Match Tips and Sequence of Returns Risk in Retirement

    **If you hit the 401(k) maximum contribution before the end of the year, watch out! Make sure you are still in a position to get the full company match. Some employers will cease the match and you could miss out.** One of the most important and relevant topics (especially in 2022) is the sequence (or order) of returns risk in retirement. There is little importance to "average returns" when you are in the withdrawal phase. Make sure you have a plan for it! Baird Sequence of returns risk PDF. AXA Equitable SORR PDF. Athene SORR PDF.

    27 min

  3. 09/23/2022

    WAYT S3E12: Listener Questions; The Stock Market

    This episode includes questions from listeners about what's going on in the stock market so far in 2022. Questions discussed: Who/what is to blame for the stock market's negative performance in 2022? Is investing gambling? How often should you check your investment accounts? Is retirement a myth?

    33 min

  4. 09/08/2022

    WAYT S3E11: Ret. Series Part 5 - Hedging Against a Market Downturn

    In this episode, we discuss using ETF's as a way to hedge against market downturn. For retirees and investors that want to share in some upside potential with downside protection, this episode is for you. Sites mentioned: https://www.innovatoretfs.com/ https://www.allianzim.com/buffered-outcome-etfs/ https://www.allianzim.com/wp-content/uploads/files/Investor-Guide.pdf

    29 min

  5. 08/23/2022

    WAYT S3E10: Retirement Series Part 4 - Annuities

    The "A" word - annuity. People often have polarizing opinions on annuities. Let's look at the pros and cons and how they may or may not be a tool for some people in retirement. Annuity types covered in this episode: SPIA and SPDA (Single premium immediate/deferred annuities) and FIA (Fixed-indexed annuities). Get your retirement guide here: https://bit.ly/LPP-Ret-Guide

    41 min

  6. 08/09/2022

    WAYT S3E9: Retirement Series Part 3 - Guardrails and Dynamic Spending Strategies

    Now that you've learned about the pros and cons of the 4% rule(s), let's examine how we can improve them for retirees. In this episode, we discuss a popular strategy called "guardrails" and how to optimize your retirement income. Have you seen our guide on the top retirement income and investment strategies for all market conditions? If not, you can get our FREE download here. The full interview with Jon Guyton on the Financial Advisor Success Podcast is here. A lengthy blog post about Guardrails (including the examples used in this episode) is available here.

    29 min

  7. 07/19/2022

    WAYT S3E8: Retirement Series Part 2 - 4% Rule(s)

    You may or may not have heard of the 4% rule for retirement distributions. In this episode, Doug breaks down what the 4% rule is, who it might work for and who it won't, and much more... Bengen's White Paper: https://bit.ly/4PRuleBengen Link to 4% Rule(s) Examples: https://adobe.ly/3cr6HKs

    18 min

  8. 06/23/2022

    WAYT S3E7: Retirement Series Part 1 - Risks in Retirement

    What are the biggest threats in retirement? This multiple-part series kicks off with what those threats are, why they matter, and how to overcome them. www.lifepointplanning.com/blog Link to Sequence of Returns PDF: https://bit.ly/AtheneSORR

    28 min
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About

Financial advisors talk current financial topics, social culture around money, and questions their clients ask.

Information

  • Creator
    LifePoint Planning - Doug Oosterhart
  • Years Active
    2019 - 2022
  • Episodes
    30
  • Rating
    Clean
  • Copyright
    © LifePoint Planning - Doug Oosterhart
  • Show Website
    What Are Your Thoughts?