Your Financial Mission with J’Neanne Theus J’Neanne Theus

Coming up on this edition of Your Financial Mission, we are talking about SDBAs. We will discuss what they are, their benefits, their cons, and how they are used.
If you’re a doctor or a defense contractor, you have probably seen it inside your plans or portfolio. SDBAs (Self Directed Brokerage Accounts) are essentially a sleeve on the 401k or 403b that allows you to self-direct. Listen to the episode to learn more about how they may benefit you.
Here's some of what you will learn from today's mission:
How SDBAs can help diversify your risk. (5:42)
The benefits of using an SDBA vs. a normal brokerage account. (8:21)
The top struggles with clients that have SDBAs. (11:28)
7 Secrets To A Smart Retirement Plan Toolkit: https://bit.ly/3Njh9SI
Learn More: https://theuswealthadvisors.com/
Connect with us: info@theuswealthadvisors.com
Call our office: (443) 718-6310

There is a lot of noise in the media about bonds currently. Many are wondering if they should stay in bonds, how safe bonds actually are, and what voices they should listen to for advice. Every situation is different, so you should always speak to an advisor.
 
Today, we will try to address the basics of bonds, and some of the common concerns surrounding them. Let’s dive in and see if bonds may still be worth your while.
Here's some of what you will learn from today's mission:
Should a retiree be in bonds despite the negative news surrounding them in our current market? (12:25)
Are bonds safe? How can you diversify your investments and still generate an income? (18:29)
Why investors need to understand the market’s history. (21:23)
7 Secrets To A Smart Retirement Plan Toolkit: https://bit.ly/3Njh9SI
Learn More: https://theuswealthadvisors.com/
Connect with us: info@theuswealthadvisors.com
Call our office: (443) 718-6310

In this episode, we’re going to share stories with you of times when emotions like fear, greed, and pride led someone astray in their financial decisions. We’ll even cover the role of positive emotions like hope and joy in retirement planning.
If you want to better understand and control your emotions to experience a better financial future, then this is the show for you. Our goal is to give you the tools to navigate these emotions to you can make the right decisions, without being led by emotions.
Here's some of what you will learn from today's mission:
The longest bull market in history sparked greed in some investors. Greed can get in the way of logic, and you can learn how to navigate that here. (5:47)
Fear can make you sell at the wrong time, after a market crash. If you are experiencing fear, here are our thoughts on that. (8:55)
Hope is wonderful, but it is not a financial strategy. (14:01)
The tragic story fueled by guilt when an advisor lost money for a client. This topic may be sensitive for some listeners. (23:18)
7 Secrets To A Smart Retirement Plan Toolkit: https://bit.ly/3Njh9SI
Learn More: https://theuswealthadvisors.com/
Connect with us: info@theuswealthadvisors.com
Call our office: (443) 718-6310

“Knowing what we know now…” is a phrase you hear a lot, especially lately. If you knew ahead of time, what would you do differently? What can we learn from these financial mistakes? We reflect and talk about the lessons learned on today's episode.
Today's show schedule: 
1:46 - Being too scared meant too conservative with investments.
2:50 - Too much risk you didn’t realize until the market crash.
4:04 - Misunderstanding Social Security can cause panic later on.
5:23 - Wishing you put more money in Roth IRAs.
7:01 - Retiring too early and needing to go back to work.

When you work with a financial advisor, you’re likely coming to them for financial advice and expertise. But what about that saying, “the customer is always right”? Is that still true?   

Today's show schedule: 
1:42 - “I think I can time the market.” 
3:19 - “I know what I want to invest in, just pick the funds for me.”
5:04 - “I don’t need to spend the money on life insurance or long-term care.”
6:35 - “The fees are too high!”
8:23 - “My accounts are down right now, this isn’t working.”

You can’t believe everything you hear, right? What statements and concepts in the financial world should you take with a grain of salt? Can you tell what’s marketing and what’s real?  

Today's show schedule: 
1:29 - “We can beat the market.”
2:57 - “There are no fees!”
4:07 - “There’s no risk!”
5:34 - “Taxes will be lower in retirement.”
7:02 - “Never pay off your house early when interest rates are low.”
10:53 - “It’s just a paper loss.”