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Retire With Integrity Podcast with Brian Bowen
9 minutes | 5 days ago
Biden's Tax Plan & End of Year Planning
As we near the end of the year, what do you need to make sure to take care of? From Roth conversions to estate planning, Brian talks about the ways these things can work to your benefit. Read more and get additional financial resources here: https://financialplanningva.com/bidens-tax-plan-end-of-year-planning/ What we discuss on this show: 0:16 - What should you be doing before the end of the year? 1:20 - What does Brian think of the Roth conversion? 3:15 - Taxes are likely going up. 4:40 - How are people feeling about the election? 6:45 - Do Americans blow their inheritance?
8 minutes | 10 days ago
What Happens If the RMD Age is Raised Again?
Have you started thinking about RMDs? At what age will you need to start paying attention to this and why does it matter? We'll discuss on this episode. Read more and get additional financial resources here: https://financialplanningva.com/what-happens-if-the-rmd-age-is-raised/ What we discuss on this show: 0:16 - Congress recently increased the RMD age. Is that good or bad? 2:37 - What’s the difference between tax avoidance and tax evasion? 4:14 - Why are there RMDs? 6:38 - How often do people know they can think strategically about taxes?
10 minutes | 17 days ago
Money Isn’t Everything
Are you motivated by money? Or are you more motivated by personal fulfillment? What do you want both of those things to look like in retirement? That's what we'll discuss on this episode. Read more and get additional financial resources here: https://financialplanningva.com/money-isnt-everything/ What we discuss on this show: 0:15 - What does Brian love about his job? 2:16 - What are you going to do in retirement? 3:55 - Do you know what you’re paying in fees? 6:02 - Your money will have to last you longer than you think. 8:59 - People are living longer.
11 minutes | 24 days ago
Saving Up Little Wins
When it comes to saving for retirement, it’s usually not about inheriting one big lump sum. Instead, are you working hard and storing up little wins? Read more and get additional financial resources here: https://financialplanningva.com/saving-up-little-wins/ What we discuss on this show: 0:16 - If coronavirus spikes, could we see another market crash? 3:10 - While cases are up, hospitalizations are not as frequent. 5:17 - In retirement, you don’t get do-overs. 7:56 - What do you need to know about saving for retirement? 9:15 - Planning for retirement is like building a million-dollar house
13 minutes | a month ago
How To Leverage Your Health Savings Account
Are you saving in an HSA right now? Do you know how and why it may be a helpful part of your investment plan? Find out more on today’s podcast! Read more and get additional financial planning resources here: https://financialplanningva.com/how-to-leverage-your-health-savings-account/ What we discuss on this show: 0:16 - FOX News is reporting a rush of people getting an estate plan. 2:03 - Estate planning isn’t just about getting a will. 4:38 - How does estate planning impact people who are not wealthy? 7:23 - Is an HSA good for covering long-term care costs?
8 minutes | a month ago
Is An Annuity Right For You?
Do you have an annuity? Should you? How can you tell if it’s a good or bad idea? Let’s talk about this income-generating investment. Read more and get additional financial resources here: https://financialplanningva.com/is-an-annuity-right-for-you/ What we discuss on this show: 0:16 - Economists say one of the most underutilized tools are annuities. 1:21 - What makes you a good candidate for an annuity? 4:23 - Aren’t annuities bad? 5:33 - Brian’s team always does an inspection on your annuities. 6:43 - What are your expectations with your annuity?
7 minutes | a month ago
Fighting Off Inflation
As we get closer and closer to the election, how should you prepare from a financial standpoint? Are there ways to protect your portfolio from added volatility? On today’s podcast, Brian discusses the different ways Biden’s tax plan could impact people, some in ways that aren’t being talked about often. Would his tax plan affect you? How will the economy react? Read more and get additional financial resources here: https://financialplanningva.com/fighting-off-inflation/ What we discuss on this show: 0:16 - Where’s Brian’s favorite place to eat? 1:39 - Many restaurants are raising prices. 3:48 - What do you do about inflation? 6:27 - You still need an emergency fund.
9 minutes | 2 months ago
Getting Your Portfolio Ready For The Election
Are you nervous about the possible outcome of the election? What should you be doing now to protect your portfolio? Let’s talk about what you can do to get your financial plan in order. Read more and get additional financial resources here: https://financialplanningva.com/getting-your-portfolio-ready-for-the-election/ What we discuss on this show: 0:16 - What might protect our portfolio, no matter who wins the election? 2:14 - What could happen to the step-up in basis? 3:54 - What are people doing with money in the market? 6:08 - How can Brian help, regardless of who is elected? 8:02 - Can you handle the volatility?
7 minutes | 2 months ago
Filtering Through Conflicting Financial Advice
Whether you are sorting through conflicting information or suddenly inheriting more money than you expected, what do you do? How do you know what advice to follow? Read more and get additional financial resources here: https://financialplanningva.com/filtering-through-conflicting-financial-advice/ What we discuss on this show: 0:17 - No matter what the topic, you’ll run into conflicting information. What do you do? 1:38 - COVID is causing a lot of early retirement. 3:18 - What happens when someone inherits large sums of money? 4:57 - How does it feel to take money out of your emergency fund? 5:39 - Lottery winners often don’t know how to save their new money.
10 minutes | 2 months ago
How Could The 2020 Presidential Election Impact Your Future?
In an election year, there are a lot of discussions about the future and the different ideas the presidential candidates propose. How will it impact your financial future? Read more and get additional financial resources: https://financialplanningva.com/how-could-the-2020-presidential-election-impact-your-future/ What we discuss on the show: 0:16 - Is it doomsday if your preferred candidate doesn’t win the election? 2:37 - What if you’re planning a big sell this year? 3:28 - How are executive orders being passed down? 5:18 - What should the average person do? 8:46 - Get the match, but what do you do beyond that?
10 minutes | 3 months ago
Turning Your 401(k) Upside Down
For many of us, a 401(k) is a great way to set money aside for retirement. When it comes right out of your paycheck and perhaps your employer is matching it, it grows over time. But what happens if that changes moving forward? What other options do you have available? We'll talk about all of that on this episode. Read more and get additional financial resources here: https://financialplanningva.com/turning-your-401k-upside-down/ What we discuss on the show: 0:16 - What happens if the idea behind the 401(k) is turned upside down? 2:13 - Some politicians are promising to end the traditional 401(k) style retirement benefits. 4:11 - What happens if the tax rates rise? 5:03 - A listener finally converted his retirement savings to a Roth. 6:38 - The market has been strong lately, but is it giving a false sense of security?
10 minutes | 3 months ago
California’s New Wealth Tax Proposal
What does Brian think about California’s new tax proposals? What kind of tax strategies should you be considering? We go through it for you on this episode. Read more and get additional financial resources here: https://financialplanningva.com/californias-new-tax-increase-proposal/ What we discuss on this episode: 0:17 - Who is the “lunatic farmer”? 3:49 - What is the wealth tax being proposed? 5:08 - California lawmakers are proposing an increase in income tax rates. 6:01 - What does Brian advise to people who are feeling they pay too much in taxes?
10 minutes | 3 months ago
Finding a Better Tax Strategy
From Roth conversions to charitable giving, today’s episode of the podcast talks about tax strategies that you’ll want to consider. Read more and get additional financial resources here: https://financialplanningva.com/finding-a-better-tax-strategy/ What we discuss: 0:16 - Are Roth conversions always a good idea? 4:05 - Who would say you don’t have to pay taxes on a million dollars? Steve Martin, of course! 4:57 - How can you pay less in taxes? 7:25 - What is a good fit for you when it comes to charitable giving and tax strategy?
8 minutes | 3 months ago
The Good News in Financial Planning
After putting it off too long, you know what sounds good? Putting your financial plan in order! Let's do that today. Read more and get additional financial resources here: https://financialplanningva.com/the-good-news-in-financial-planning/ On today's show: 0:16 - What’s some good news from Brian? 1:59 - What are you focusing on right now? 3:09 - What happens if you are facing early retirement or a pension buyout? 5:22 - How can you offset taxes and pass down a legacy?
8 minutes | 4 months ago
Is the U.S. Economy Shrinking?
How has the economy changed lately? How should we make investments accordingly? We explore those questions on today’s show. Read more and get additional financial resources here: https://financialplanningva.com/is-the-u-s-economy-shrinking/ On today's show: 0:16 - How has the virus hit the U.S. economy? 1:43 - How do we make sure our personal economy is moving in the right direction? 3:01 - What’s one example of a business that is stuck with too much of their product? 3:53 - Where is the flow of money going? 4:57 - What do we do to invest wisely? 6:15 - What places are in bad financial shape?
6 minutes | 4 months ago
Making Hard Decisions as a Small Business Owner
The pandemic has hit a lot of people hard, particularly small business owners. What should they do about the tough decisions on how to proceed? Let’s talk about how business owners are fighting for survival in 2020. Read more and get additional financial resources here: https://financialplanningva.com/making-hard-decisions-as-a-small-business-owner/ On today's show: 0:16 - Small businesses have been hit hard due to COVID-19. 2:12 - Have you gotten advice prior to closing the business? 3:00 - How is the small business being kept afloat? 5:27 - Are you making the best decision?
8 minutes | 4 months ago
Getting Your Financial Education
As stores fill up with school supplies, it’s easy to consider what going back to school means. But are you financially educated? Are you equipped to make the right decisions regarding your finances? We discuss on today’s episode. Read more and get additional resources here: https://financialplanningva.com/getting-your-financial-education/ Today's show schedule: 0:16 - Where are the most educated people in America? 2:03 - What kind of financial education is important to know? 4:15 - What do accountants do and not do with your finances? 5:49 - When you’re in crisis, sometimes it’s hard to know what to do.
17 minutes | 4 months ago
Top Things To Consider When Retiring Early
Are you about to retire early? Whether you meant to or not, there’s a lot of things to consider when you leave the working world. Have you thought through all of these things? Read more and get additional financial resources here: https://financialplanningva.com/top-things-to-consider-when-retiring-early/ Today's show schedule: 0:17 - What do you need to consider when retiring early? 2:28 - Determine how to address medical expenses. 4:46 - Do you have a realistic retirement budget? 6:01 - Retirement can last over 30 years. 8:09 - What does downsizing look like? 12:04 - What kind of estate plan do you need? 14:39 - How are you handling your debt?
9 minutes | 4 months ago
Lessons from Bobby Bonilla and Investing with Consistency
Are you saving in a way that shows consistency and financial health? From your retirement savings to 529 plans, are you making strategic decisions and continuing to invest over time? Find out on this show and learn a few lessons from Bobby Bonilla. Read more and get additional financial resources here: https://financialplanningva.com/lessons-from-bobby-bonilla-and-investing-with-consistency/ Today's show schedule: 0:17 - Major league baseball is coming back. 0:50 - Why does Bobby Bonilla, who has been retired for over two decades, still get paid every year? 3:03 - What’s the problem with deferred compensation? 5:52 - How can you better invest into a 529 plan? 7:57 - Being intentional about saving is key.
11 minutes | 5 months ago
Best and Worst Places to Live During Retirement
When it comes time to retire, will you be staying put or will you take on a new adventure in another state? Where are the best places to retire and what should you do when you retire? Brian will discuss some of the most popular destinations in retirement. Read more and get additional financial resources here: https://financialplanningva.com/best-and-worst-places-to-live-during-retirement/ Today's show schedule: 0:15 - What are the best and worst states to retire in? 0:35 - What’s it like in New York? 2:13 - What are the pros and cons of Hawaii? 2:42 - What are some of the best states to live in during retirement? 3:52 - Should you move? 4:25 - Baby Boomers can improve their chances of being happy in retirement. 8:19 - Which gender tends to struggle more to transition into retirement?
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