Secure Your Retirement

Latest Episodes:

Wine Down - 3 Questions on Investing In 2022 Mar 28, 2022

Show notes

What are your burning questions about your retirement planning and the market volatility of 2022?

We’re experiencing a high inflation rate in 2022 as we try to recover from the 2020 pandemic damage and other factors. How does this situation affect your retirement portfolio? What should you do or not do?

In this episode of the Secure Your Retirement podcast, we answer 3 questions on investing in 2022. Listen in to learn why there’s a time to be invested and a time to be on the sidelines during market volatility periods like 2022.

In this episode, find out:

● Why the current inflation rate shouldn’t affect your long-term retirement plan.

● Why your retirement plan needs to be actively managed and run on average inflation rates.

● A retirement plan shouldn’t change due to a good or bad inflation year.

● Why market volatility shouldn’t be a reason to get your investment out of the market.

● No demand and too much supply should encourage you to get your investment out of the market.

● Get a professional to help you figure out when to get in or out of the market.

● Why you have to be very careful when looking into bond investments right now.

● How bond alternatives give your investment safety but limited liquidity.

Tweetable Quotes:

● “We shouldn’t change the whole plan over a bad or good year when it comes to inflation.”- Radon Stancil

● “As interest rates go up, it’s going to impact bonds negatively and we’re seeing that right now.”- Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

What's The Difference Between a Mutual Fund and an ETF? Mar 21, 2022

Show notes

Are you torn between investing in a mutual fund or an ETF?

Both mutual funds and exchange-traded funds (ETFs) are alike in many ways but also have a few differences. They both make investing very easy and represent diversification.

In this episode of the Secure Your Retirement podcast, we talk about the differences between a mutual fund and an ETF. Listen in to learn why ETFs are more efficient and low-cost as compared to mutual funds and are suitable for anyone looking to be actively managed.

In this episode, find out:

Defining a mutual fund – a fund with a purpose that can represent multiple stocks.
How a mutual fund operates on an “end of day pricing” during purchase and sale.
How an ETF operates the same way as an individual stock and can be sold or bought at any moment of the day.
The actively managed advantage that both mutual funds and ETFs offer.
A mutual fund has a higher expense ratio compared to an ETF which is more efficiently managed.
An ETF enables you to get in and out of the market without having to wait for the market to close.

Tweetable Quotes:

“A mutual fund is designed as a company that is there to make a profit, and so it’s going to have a manager, a team under the manager, and all the overhead that it takes to manage it.”- Murs Tariq
“There’s no way to invest for free; you’re always going to have some fees in whatever investment you choose.”- Murs Tariq
“If you’re trying to decide between a mutual fund and an ETF, it’s worthy to try to figure out how each works.”- Radon Stancil

Resources:

To access the course, simply visit POMWealth.net/podcast.

Marcia Miller – Alternatives for Assisted Living Mar 14, 2022

Show notes

When it comes to assisted care living, there are other alternatives much better and more affordable than the big facilities.

The adult family care home is an affordable form of assisted living, where the homeowner lives with their residents and offers them a more personalized type of care. It is also a great venture to start as part of your retirement plan to help you gain financial stability.

In this episode of the Secure Your Retirement podcast, we have Marcia Miller, owner/CEO of the Serenity Adult Family Care Home, a 5-bed residential assisted living facility. She’s also the founder of the Spill the Beans Institute, where she helps people learn how to care for their loved ones at home.

Listen in to learn how starting an adult family care home can help you gain financial stability while providing quality care for your loved ones.

In this episode, find out:

Why private caregiving homes should be considered as a viable option.
The one-on-one experience that the adult family care home provides as opposed to the big assisted living facilities.
How you can gain the skills to care for your loved ones at home and gain some financial stability while at it.
How being a caregiver can help you plan for your retirement.
How a good health assessment is used to determine if a client is eligible for an adult family care home.
How to find an adult family care home for your loved one if you’re in Florida.
The importance of preparing and planning for assisted living at any age as part of your retirement.

Tweetable Quotes:

“The adult family care home is where the owner lives with the residents.”- Marcia Miller
“The adult family care home price points are way less than say a nursing home, and you get to give your loved one a person-centered care that they truly need and deserve.”- Marcia Miller

Get in Touch with Marcia:

LinkedIn: https://www.linkedin.com/in/marcia-miller-927b80166/

Resources:

To access the course, simply visit POMWealth.net/podcast.

Jaime Ramirez - Protecting Against Cyber Attacks Mar 07, 2022

Show notes

The threat is increasingly becoming bigger where cyber security is concerned. How do you protect your money, your business, and or your customers from cyber frauds and identity thefts?

When improving cybersecurity tools in your business, you have to do it efficiently to avoid friction and abandon rates with your customers.

In this episode of the Secure Your Retirement podcast, we have Jaime Ramirez, CEO & Founder of Preventor, a risk and identity management platform. Listen in to learn the importance of staying prepared and protected from any possible cybercrimes.

In this episode, find out:

Jamie’s background in cybersecurity and how he’s helping businesses protect themselves.
Understanding how to protect your business from fraud and who you’re working with to help you do so.
Some of the best practices to protect a client from cyber frauds and identity thefts.
How to efficiently avoid friction and abandonment rate with your customers when improving your business’s cybersecurity.
The creative ways that cyber offenders are using to steal money and other things from businesses.

Tweetable Quotes:

“What you’re looking for is how to use those tools in your business and how to automate what you’re doing in an efficient way to protect your business without having friction or high abandon rate with your customers.”- Jaime Ramirez
“We want to stay as vigilant as possible in these tough times of all these different things that are going on with hacking, technology, and security breaches.”- Murs Tariq

Get in Touch with Jaime:

Website: https://www.preventor.com/
LinkedIn: https://www.linkedin.com/in/jaimeramirez-/

Resources:

To access the course, simply visit POMWealth.net/podcast.

Wine Down - 5 Retirement Planning Questions Feb 28, 2022

Show notes

Do you have retirement questions that you’d like us to answer over a glass of wine?

In this episode of the Secure Your Retirement podcast, we answer five common questions that we get over a glass of St. Innocent Crémant d'Innocent wine. We cover questions on saving for retirement, when to take social security, risk exposure, annuities for retirement, and how taxes affect your retirement.

Listen in to learn why some of these situations really depend on your specific situation and should be handled individually.

In this episode, find out:

Factors that go into how much you need to save for your retirement plan and why it’s all relative.
Why you need to look at your specific situation on when to take your social security.
Always be thinking about your risk exposure when planning/managing your retirement.
The questions you need to ask yourself about risk exposure when investing.
Three reasons why you would look into an annuity for your retirement.
When an annuity can be a good option to consider.
How taxes affect your retirement plan and what you can do proactively.

Tweetable Quotes:

“You should always be thinking about your risk exposure.”- Murs Tariq

“If you need lifetime income like a pension, then an annuity could be an option.”- Radon Stancil

Below are the links to all of the podcast episodes on the Annuity series.

Annuities – Why Ever Use Them – Part 1

Annuities – Why Ever Use Them – Part 2

Annuities – Why Ever Use Them – Part 3

Annuities – Why Ever Use Them – Part 4

Annuities – Why Ever Use Them – Part 5

Annuities – Why Ever Use Them – Part 6

Annuities – Why Ever Use Them – Part 7

Annuities – Why Ever Use Them – Part 8

Here is the link to the Annuity video blog posts.

Click here to view the blog posts associated with the Annuity episodes

Resources:

To access the course, simply visit POMWealth.net/podcast.

Risk-Adjusted Portfolio How It Works Feb 21, 2022

Show notes

Have you thought of having a risk-adjusted portfolio? A good risk-adjusted portfolio protects you from a significant market risk like a sudden pandemic.

There are traditional ways of adjusting a portfolio to risk, but even those don’t work sometimes. If you want to adopt a risk-adjusted portfolio, do the research, think of what works best for you, and then have a conversation with your financial advisor.

In this episode of the Secure Your Retirement podcast, we talk about a risk-adjusted portfolio and why it’s better to do it with the supply and demand method instead of asset allocation. Listen in to learn how to adjust your portfolio risk using the bond alternative.

In this episode, find out:

● The factors that determine an individual risk-adjusted portfolio.

● Understanding asset allocation and why the typical methods of it can be risky too.

● Understanding the year-to-date and max drawdown returns.

● How to do a risk-adjusted portfolio with supply and demand instead of asset allocation.

● Safe growth – transferring of a down in the market over to the insurance company.

● How to adjust your portfolio risk using the bond alternative.

Tweetable Quotes:

● “As a person gets closer to and gets into retirement; risks can change.”- Radon Stancil

● “After being a wreck, you’re the safest you could ever be.”- Radon Stancil

● “Some are comfortable with the concept of just doing a 60/40 asset allocation, and some are not and we have to think a little bit differently.” - Murs Tariq

Resources:

To access the course, simply visit POMWealth.net/podcast.

Angelina Carlton - Designing Your Legacy Feb 14, 2022

Show notes

What does your legacy mean to you? How do you want to approach designing your legacy to be impactful?

Having a legacy means knowing yourself and being true to who you are beyond the career you’ve had. It’s important to have the right coaching to help you answer powerful questions and complete assignments to design your legacy.

In this episode of the Secure Your Retirement podcast, we have Angelina Carlton, a legacy planner helping leaders struggling with planning their personal legacy. Listen in to learn why designing your legacy requires courage and perseverance.

In this episode, find out:

· How Angelina came up with the idea of legacy coaching after years of being in commercial real estate.

· Understanding your guiding principles and knowing yourself better to pursue your legacy.

· Why legacy is about getting to know who you are beyond who you were in your career.

· How powerful questioning and assignments in coaching allow people to find their legacy.

· The importance of knowing yourself to achieve freedom, fulfillment, and satisfaction in your legacy.

· Having the courage and the willingness to persevere towards your legacy.

· Understand what legacy means to you and get the coaching that will help you get there.

· How to get in touch with Angelina and the steps to her coaching to help you design your legacy.

Tweetable Quotes:

· “Legacy has a lot to do with integrity, being true to ourselves when we’re in this lifetime.”- Angelina Carlton

· “A legacy is for those who are willing to persevere; it is a courageous journey to want to know yourself.”- Angelina Carlton

Get in Touch with Angelina:

· Website: https://www.angelinacarleton.com/

· LinkedIn: https://www.linkedin.com/in/angelinacarleton/

Resources:

To access the course, simply visit POMWealth.net/podcast.

Norm Robillard Ph.D. – Digestive Health Feb 07, 2022

Show notes

Are you having issues with your digestive system as you grow older? Or maybe you just want to have a better digestive system?

In this episode of the Secure Your Retirement podcast, we have Norm Robillard, founder of Digestive Health Institute, gut health expert, microbiologist, and the creator of the Fast Tract Diet. We talk about gut health and the components and benefits of Norm’s Fast Tract Diet program.

Listen in to learn why as you get older, you should adopt a high-fat high protein diet as opposed to a high carb diet.

In this episode, find out:

● Norm explains his background in gut health and how he started the Digestive Health Institute.

● How he created the Fast Tract Diet by researching the easier and harder to digest carbohydrates.

● Why people over 65 years should consume more fats and proteins over carbs.

● Have foods with a few numbers of grams of fermentable carbs.

● The potential underlying or contributing factors that can affect your gut.

● The behaviors and practices that you can adopt to improve how well you digest food.

● What to do and not to do when it comes to digestive supplements.

● Resources to learn more about the Fast Tract Diet.

Tweetable Quotes:

● “In the US, diabetes, prediabetes, and metabolic disorders are huge, potentially impacting 50% of the population.”- Norm Robillard

● “Carbohydrate’s intolerance metabolically and from a digestive standpoint is such a big problem.”- Norm Robillard

● “There are a lot of behaviors and practices that you can adopt that will improve how well you digest foods.”- Norm Robillard

Get in Touch with Norm:

● Website: https://digestivehealthinstitute.org/

● LinkedIn: https://www.linkedin.com/in/norm-robillard-ph-d-9453565/

Resources:

To access the course, simply visit POMWealth.net/podcast.

Wine Down – Retirement Planning Options Jan 31, 2022

Show notes

If you want to start securing your retirement, then it is time to be aware of the types of retirement planning options available for you.

In this episode of the Secure Your Retirement podcast, we talk about retirement planning options and our strategy at POM over a glass of Brickyard Wine. We explain the three types of financial advisors and what they offer.

Listen in to learn more about our comprehensive retirement planning strategy and why we believe it’s beneficial.

In this episode, find out:

● The type of financial advisor that helps you as just an investment manager.

● The type of financial advisor that helps you create a financial plan but not necessarily how to implement it.

● The one-stop-shop financial advisor – creates and helps you implement a financial plan.

● Our comprehensive retirement planning – investment strategy, income planning, taxes, and estate planning.

● How we built a foundation to establish if retirement is possible while looking into the different scenarios that might occur.

● How we developed relationships with CPAs to provide tax strategies to our clients.

● Mur’s on his experience working for POM for 10 years and the benefits of the continued growth.

● How we continue to evolve through growth and putting out education.

Tweetable Quotes:

● “We have a structure to do all things in one particular place where a person doesn’t have to go to multiple locations.”- Radon Stancil

● “If you don’t continue learning or adding services, then eventually you’re going to be left behind.”- Murs Tariq

Resources:

To access the course, simply visit POMWealth.net/podcast.

2022 Tax Guide and Updates Jan 24, 2022

Show notes

Are you aware of the tax situation for 2022? Things have changed when it comes to tax as they do every year and 2022 is no exception.

It is important to have information on what you can do and how you’ll be impacted as you proceed to make your financial goals for 2022.

In this episode of the Secure Your Retirement podcast, we talk about the 2022 tax changes to help guide you to better financial goals. We discuss ordinary tax, long-term capital gains, Medicare, social security, and some other things about tax that you need to know for 2022.

In this episode, find out:

● The expected changes on the ordinary tax situation according to your tax bracket.

● A tiered tax system – understanding the adjusted gross income and how to calculate your effective tax rate.

● Understanding why tax rates will go up in the near future as you plan and strategize.

● The changes in standard deductions and how they will affect your income in 2022 as a single or married earner.

● How your salary deferred retirement plans will be tax impacted.

● The capital gains tax changes and why it’s advantageous to have a long-term capital gain plan.

● Why social security is taxable, and to what degree of income it’s taxable.

● The expected increases on your Medicare Premium Part B in 2022.

● How income outside of your social security will lead to a penalty or reduced benefits.

● How you can contribute to a Roth IRA in 2022 and why you should.

Tweetable Quotes:

● “The long-term and short-term thing does not apply at all in the ordinary income tax.”- Radon Stancil

● “There are limitations as to how much income you can make if you take social security early.”- Murs Tariq

Resources:

To access the course, simply visit POMWealth.net/podcast.

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