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How important is asset allocation? Can we time the markets? – Apollo Lupescu from Dimensional Funds joined us to answer these two crucial questions. With the nickname “the secretary of explaining stuff”, he is the perfect guest for this topic. Apollo Lupescu is a Vice President at Dimensional Fund Advisors, where he started in 2004 after finishing his PhD in economics and finance at the University of California, Santa Barbara. In this podcast Apollo and Jeff explore: ·      Defining goals before investing ·      The importance of a plan and advisor ·      Ways to accomplish stability and growth ·      Mitigating risk and when to reallocate ·      Emotional investing ·      Recent geopolitical and inflation concerns For more information on Dimensional Funds visit https://us.dimensional.com/   You can find our disclosures at https://plan2retire.com/   Click Here to Schedule a No-Obligation Introductory Phone Call   Other things to check out:  Apollo Lupescu on LinkedIn 2020 Hindsight: And Economic and Market Update with Apollo Lupescu, PhD Listen on: Google Podcasts Spotify Apple Podcast RSS Feed  

In this podcast we have great information to share with you with the help of Dimensional Funds. Often existing clients and plan participants tend to have several questions regarding these topics. Below you can find PDF documents with visuals for the topics.   Jeff will discuss:   ·     The need for diversification ·     Do downturns lead to down years ·     Bear and bull markets   Downturns Instagram Post Bull and Bear Instagram Post Dimensional Fund Advisors You can find our disclosures at https://plan2retire.com/   Click Here to Schedule a No-Obligation Introductory Phone Call                  

Recently, Texas experienced a major power outage due to severe storms. At one point and time more than 4.5 million people did not have power. Are you prepared for a disaster such as this? On this podcast we have David McDonald, with Apparatus Repair and Engineering, and Mike Radaker, with MEC, to talk generators. Tune in to learn more about what you may need to be prepared. Jeff, Mike, and David will discuss: ·      How to decide what you need in a generator ·      The installation approach ·      The technological advances in generators ·      Fuel sources for generators ·      Installation in a new home versus and existing home ·      The heightened awareness of what we deem as necessities ·      The future of electric https://www.apprep.com/ http://www.mec-electrical.com/ https://www.linkedin.com/in/mike-radaker-305bb678/ https://www.linkedin.com/in/david-mcdonald-b85ab6182/   You can find our disclosures at https://plan2retire.com/   Click Here to Schedule a No-Obligation Introductory Phone Call

We often take steps to make sure that things that are important to us are insured. Maybe for you, that means insuring your business, home, car, or even jewelry. However, what about your life? In this podcast, Jeff will go over the different types of life insurance and the options they provide.  Jeff will discuss: ·      Term insurance ·      What to consider when choosing a term ·      Current rates vs. guaranteed rates ·      Convertibility in life insurance ·      Permanent life insurance ·      The flexibility in universal life insurance ·      Questions to ask your agent ·      How to determine your need ·      How to rate your insurance You can find our disclosures at https://plan2retire.com/ Click Here to Schedule a No-Obligation Introductory Phone Call

On this podcast, we have back a repeat guest from last year! Leigh Fangmeyer is an experienced realtor. Last year she spoke to us about how the housing market had changed since the start of COVID-19. She is back to give us an update on what the market looks like. Jeff and Leigh will discuss: ·      An update on the housing market ·      The impact home inventory has had on the market ·      Big changes in the housing market over the years ·      Leigh’s role as a realtor ·      Average time that homes are lasting on the market ·      Important steps to buying a home ·      The importance in making sure you love where you live ·      Why you should educate your young adults on the impact of their debts at a young age https://leighfangmeyer.remax.com/ https://twitter.com/LeighSellsHomes https://www.instagram.com/leighsellshomes/?hl=en https://www.linkedin.com/in/leighannfangmeyer/   You can find our disclosures at https://plan2retire.com/  Click Here to Schedule a No-Obligation Introductory Phone Call

Often there are a lot of misconceptions and misunderstandings when it comes to insurance. Certain insurance is a huge part of both your financial and retirement planning. Jeff comes from over 30 years of background in Insurance and currently holds an active insurance license. In this podcast Jeff gives an overview of some different types of insurance and why their role is so important. Jeff will discuss: ·      Understanding how insurance is regulated and priced. ·      Policy holder surplus ·      Deep dive into auto insurance ·      The importance of the pieces to your home insurance   ·      Why to consider an Umbrella Policy     You can find our disclosures at https://plan2retire.com/  Click Here to Schedule a No-Obligation Introductory Phone Call

One of the questions from the field we often get is: What the difference is between a SEP IRA and a SIMPLE IRA? In this podcast Jeff breaks down the differences and compares the two. There are several things to consider when you are thinking about which plan would be the best to implement for your company. Jeff will discuss: ·      What is a SEP IRA? ·      What is a SIMPLE IRA? ·      What to consider when implementing a plan ·      Benefits for Employees and employers ·      How much should you invest in your employee’s retirement? You can find our disclosures at https://plan2retire.com/ Click Here to Schedule a No-Obligation Introductory Phone Call

Social Security is an important factor for most people’s retirement. It represents about 50% of retiree’s income for about 50% of the population! In this podcast Jeff explores the changes that have been made for 2021 as well as tips for how to maximize your benefit. Jeff will discuss: ·     Changes in social security for 2021 ·     The future of Social Security benefits ·     How to maximize your benefits ·     Your spouse’s influence on your benefit ·     The permanent penalties you face when withdrawing early You can find our disclosures at https://plan2retire.com/  Click Here to Schedule a No-Obligation Introductory Phone Call

On this podcast Jeff interviewed Apollo Lupescu, Vice President at Dimensional Fund Advisors, where he started in 2004 after finishing his PhD in economics and finance at the University of California, Santa Barbara. During his tenure at the firm, Apollo has gained experience in a wide variety of practical subject matters. Jeff and Apollo will explore the connection that emotions can have with investment decisions during election time along with many of the contributing factors that surround investment portfolios. Apollo and Jeff will discuss: ·      The importance of acknowledging emotions and separating them from our investment decisions ·      The affect the president has on the market ·      Resilience in both companies and people ·      Using diversification to mitigate risk and to capture opportunities ·      Good practice for evaluating portfolio performance For more information on Dimensional Funds visit https://us.dimensional.com/ You can find our disclosures at https://plan2retire.com/ Click Here to Schedule a No-Obligation Introductory Phone Call

Often, we overlook the importance of personal safety. On this podcast Jeff interviews self-defense expert, Carol Ann Williams. She has been doing self defense for over a decade. Carol Ann targets and specializes in helping women protect themselves from an attack. Learn more at https://instinctivedefense.net/ In this podcast we discuss: ·      What is taught in self-defense and Jujitsu ·      The importance of being aware ·      The mindset and mentality that helps protect you ·      3 important tools for defending yourself

People often panic about their investments amid an election. There are many concerns about the market and what the best decisions are regarding stocks. In this segment of Questions from the Field, Jeff will explore history concerning the relationship between stocks and the election. In this podcast Jeff will be discussing: ·      Stock market returns and the election ·      Historical data on the market ·      Patterns in returns during election year ·      Reactions to crisis in the economy Click Here To Schedule a No-Obligation Introductory Phone Call

In this week’s podcast we have a special guest, Stephen Rhodes! Stephen is going to share with us more about his unique business, Epic Glamping. Listen in to learn more about glamping, how it all started, and advice for anyone planning to start their own business. Jeff and Stephen will discuss: What Glamping is Glamp Dining How Covid19 has affected the business Advice for a startup The details for setup https://www.epicglamping.com/ Click Here To Schedule a No-Obligation Introductory Phone Call

In this episode Jeff dives into studies done by Empower Retirement, Fidelity Investments, and American Century. He shares information that is not only beneficial to 401(k) sponsors but for plan participants as well. Jeff will talk about: What a recordkeeper is Reasons why a 401(k) is beneficial The millionaires in retirement plans How plan participants are handling financial stress What people are looking for in a 401(k) plan Fidelity Investments Empower Retirement American Century Click Here To Schedule a No-Obligation Introductory Phone Call

Behavioral finance takes into consideration the impact of personal biases on investors. Many people do not realize that what is going on inside their head may be getting in the way of them being financially successful. There are many things about investing that you cannot control, however behavioral biases are something we can control! Jeff will discuss the following biases: Loss Aversion      Overconfidence    Availability       Confirmation       Click Here To Schedule a No-Obligation Introductory Phone Call

There is one basic concept you must understand to be a successful investor. In this podcast Jeff will explore that concept as well as review a common question regarding the top-heavy stock market. Listen in to find out what could happen if you missed the 5 best trading days in a nearly 40-year period! Jeff will discuss: top heavy stock markets the illusion of trying to time the stock market bear markets high tech firms dominating the market trends in the market

How much value is in your retirement plan? There are many misconceptions about 401K plans. The purpose of your 401K plan is to provide you with income later in life. Jeff will cover some common misunderstandings that he often hears as a fiduciary. Jeff will be discussing: ·     A new report by Milliman (a worldwide provider of actuarial and related products and services.) ·     The cost of healthcare in your lifetime ·     Questions he is frequently asked by clients ·     Misconceptions of 401k plans ·     Why you should not take from your 401k Click Here to View the Milliman Report

On this podcast we interview President of Stress Free Solutions, Ryan Burns. Ryan dives into the purpose of his business and how the services can help people. He also shares with us an interesting discovery he had while downsizing a home! In this podcast Jeff and Ryan discuss: ·    StressFreeSolution’s background ·    The process of downsizing a home ·    Reasons downsizing your home may be necessary ·    The emotional side of parting with items ·    The process of staging a home  ·    The future trend for the business ·    Fun finds while downsizing homes

The retirement planning landscape is constantly changing. There have been several legislative changes beginning with The SECURE Act and most recently The CARES Act. In this podcast Jeff will cover some key changes that are important for your retirement. Jeff will be discussing: ·    Relief for retirement accounts ·    Big changes with Required Minimum Distributions ·    Coronavirus Related Distributions ·    Taking from your future self ·    Retirement plan loans ·    The five most expensive and least expensive states for retirement

On this podcast we interview experienced local realtor, Leigh Fangmeyer. Leigh shares her perspective as a realtor on the changes in real estate during Covid-19. She also shares tips for buyers and sellers to help you navigate today’s real estate market.  Learn more at https://leighfangmeyer.remax.com/   In this podcast we discuss: ·    The current real estate market ·    The process of preparing to sell your home ·    The trends in buyers today ·    Programs for potential homebuyers ·    The value of hiring a realtor

Being a financial planner requires one to serve their clients. Contrary to what most believe, doing what is in the client’s best interest is important to advisors. They want to build a relationship that will last for years. Today we interview Jeff Bowers with Plan2Retire to learn more about his approach to retirement planning. Jeff will share with us: ·     Jeff’s interest in money and passion for financial literacy ·     The Fiduciary Role ·     The characteristics successful clients share ·     The process planners take ·     What “fee only” means