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Your Retirement Untangled
54 minutes | Sep 23, 2022
The "Hidden Tax"-Inflation
Andrew Nida and Mo Piram break down the "hidden tax" of inflation and what should be considered in retirement planning as well as your approach to risk during times of volatility and, for that matter, anytime. You can reach Andrew and Mo by calling 855-792-5855. Asset Management Group See omnystudio.com/listener for privacy information.
34 minutes | Sep 16, 2022
Secure Act 2.0-What's In It?
Mo covers Secure Act 2.0 as it stands now and the proposed changes which could affect the strategies of retirees and the savings of workers. He looks at everything from the requirement to automatically enroll new employees to a 401(k) to proposed raising of the RMD age and decreasing the penalty for missing a required minimum distribution. Mo also looks at strategies to consider to make sure you can get through your retirement and ease the fear of running out of money. CloudVestors See omnystudio.com/listener for privacy information.
43 minutes | Sep 9, 2022
Survey Results of Retirees and Pre-Retirees
Mo breaks down the data from a Kiplinger-ATHENE poll of just over 800 Americans asking their thoughts on retirement. Results include their feelings on stock market volatility, Social Security, inflation, the threat of running out of money, and what they see as sources of income. He then moves into the complexity of required minimum distributions and what you should consider to avoid potential higher taxes, higher Medicare premiums, and a stiff penalty. CloudVestors See omnystudio.com/listener for privacy information.
42 minutes | Sep 2, 2022
Strategies Now for Better Taxes Later
Mo covers challenges you could face down the road in your life if all of your investment savings are in tax deferred accounts. He looks at implementing a tax bucketing strategy to include taxable, pre-tax, and tax-free. We're all feeling inflation now but in the second segment Mo offers strategic tips to combat would could be pain felt later due to rising interest rates. CloudVestors See omnystudio.com/listener for privacy information.
36 minutes | Aug 26, 2022
Student Debt Relief Plan
Mo digs into the Student Debt Relief Plan with an initial look at the different components and who it could affect. He covers the extension of the loan payment pause, the debt relief and who could be eligible, and the public service loan forgiveness. CloudVestors See omnystudio.com/listener for privacy information.
19 minutes | Aug 19, 2022
Inflation Reduction Act-What's In It?
Mo takes an initial look at the Inflation Reduction Act in dissecting the legislation that is now law and discusses short and long term effects and what it could mean for you. CloudVestors See omnystudio.com/listener for privacy information.
33 minutes | Aug 14, 2022
Where Are We Saving and Investing
Mo looks at a BlackRock survey of nearly three-thousand savers describing their go to savings and investment vehicles. He discusses ETF's, Annuities, Individual Securities, Mutual Funds, Cash, and speculates on what could have fallen into the "other" category. CloudVestors See omnystudio.com/listener for privacy information.
42 minutes | Aug 5, 2022
The Retiree Return to the Workforce-Good Retirement Plannning Tips
Mo explores the reason why many retirees are considering returning to the workforce of making the decision to do so. Is it rooted in emotion and fear caused by the economy, grounded in reality, or both? He also offers good tips and strategies to follow to keep your retirement in tip top shape. CloudVestors See omnystudio.com/listener for privacy information.
36 minutes | Aug 4, 2022
Recession, Inflation, Rising Interest Rates-What Should We Do?
Are we in a recession? Mo discusses the conventional definition of recession and how we arrived at our current economic condition as well as how it compares to downturns of the past. He talks about high inflation and rising interest rates. In the first segment, Mo sets the stage for the current state of our economy. In the second podcast segment, he outlines some strategies people should consider to combat recession and inflation in all stages of their financial lives. Mo focuses on how strategies can differ from ages 35 to 50 and then to 65. CloudVestors See omnystudio.com/listener for privacy information.
32 minutes | Jul 22, 2022
ESG and Sustainable Investing
The first segment of the podcast centers around sustainable investing and ESG (Environmental, Social, and Governance.) Mo discusses what motivates people to look into this type of investing and including investments that meet the ESG criteria. The second segment includes a general conversation on the economy now and what the future holds for employment with technology and AI. CloudVestors See omnystudio.com/listener for privacy information.
39 minutes | Jul 15, 2022
Inflation-Let's Roll Up Our Sleeves and Fight This
Mo talks inflation on this episode. How did we get here at 9.1 percent at the time of the recording? What are possible solutions as far as our national economic outlook? Most importantly though, what are strategies we can employ to combat inflation in our personal lives. Mo discusses analyzing your own personal rate of inflation factoring in the number of people in your household, the number of vehicles you own, and even the length of your commute. He says it's important to know your own rate before looking at strategies. He then moves into strategies including cutting where you can but also looking at growth aspects on your income side. https://cloudvestors.com See omnystudio.com/listener for privacy information.
43 minutes | Jul 8, 2022
Structuring Your Portfolio
Mo covers the considerations that need to be given in properly structuring your portfolio. He looks at determining a proper risk balance and based on where you are in life. He also talks about the different components that make up a portfolio from cash to investments, ETFs to Mutual Funds and other tools to consider. Visit www.cloudvestors.com. CloudVestors See omnystudio.com/listener for privacy information.
39 minutes | Jun 24, 2022
Mid-Year Financial Check-Up
It's time for that mid-year financial review. Mo covers what should be and is considered by Cloud Vestors when meeting with their clients to review their strategies. Topics covered include tracking your budget and spending, your savings, tax strategies, and your retirement moves whether you're in the accumulation or distribution phase of your life. CloudVestors See omnystudio.com/listener for privacy information.
31 minutes | Jun 17, 2022
Podcast 104-The Celebration! but still talking about inflation, bear market, etc.
It's the 2nd year anniversary podcast celebration. Everyone joins in the party for podcast 104! At the same time, the business of untangling your finances continues as Mo discusses fortifying your portfolio to withstand the storm of our current economy. What are strategies to help combat inflation, the bear market we're in, rising interest rates, and possible recession. That's the conversation on this episode. CloudVestors See omnystudio.com/listener for privacy information.
38 minutes | Jun 10, 2022
Market Volatility and the Early Financial Planning Years
Mo looks at three age groups: Mid 20s, Mid 30s, and Mid 40s He looks at what they have and have not experienced in the financial world during the time they've been involved in it and goes over what strategies they should consider now given the current economic climate. CloudVestors See omnystudio.com/listener for privacy information.
30 minutes | Jun 3, 2022
Financial and Generational Multitasking
Mo covers the generations in this podcast. He especially focuses on those in the "sandwich generation" who are saving for retirement and possibly assisting their parents and their children at the same time. He offers some good strategies and things to consider in making sure you maintain your savings momentum while still helping those in your family. The conversation then turns to what the future will hold as people are living longer. CloudVestors See omnystudio.com/listener for privacy information.
26 minutes | May 27, 2022
Timing For Retirement
Mo discusses the challenges faced by retirees and soon to be retirees now with the changing economic landscape. He covers strategies to consider in helping you stay on course. Market volatility, inflation, sequence of returns risk, and cash flow are part of the conversation. CloudVestors See omnystudio.com/listener for privacy information.
36 minutes | May 20, 2022
Correction or Bear
Mo explains the difference between a market correction and a bear market: what constitutes each and how long have each historically lasted? He also discusses what to consider with your investment strategy during a bear market such as a diversification reevaluation, what performs well in a bear market, if there are any strategies you wouldn't normally consider as seriously in a bull market, and if there are any bargains. CloudVestors See omnystudio.com/listener for privacy information.
28 minutes | May 13, 2022
Mo covers required minimum distributions today: When do you take them? How do you take them? What's the penalty if you miss one? What are the pros and cons of taking them at the end of the year, right away, or spacing them out through the year? It's all covered in this podcast. CloudVestors See omnystudio.com/listener for privacy information.
31 minutes | May 11, 2022
I-Bonds and TIPS
Moise Piram explores the pros and cons of running to safety with I-Bonds and TIPS (Treasury Inflation-Protected Securities) during times of high inflation and market volatility. CloudVestors See omnystudio.com/listener for privacy information.
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