Best Cameron Valadez Podcasts (2024)

1
Wills vs. Trusts vs. Title 29:11

1d ago29:11

29:11

Implementing important estate planning documents is critical to leaving your ideal legacy upon your death. Among the critical estate planning documents are wills and trusts. Often times, many people confuse the differences between the two, the benefits they can provide, and whether or not they need them at all! More specifically, I discuss: Why get…

1
Retirement Withdrawal Strategies + Excess Roth IRA Contribution Q&A 50:29

16d ago50:29

50:29

Retirees and pre-retirees often struggle when it comes to spending down their nest-egg in retirement because of the fear of the unknown. No one wants to run out of money too early, yet most people would also like to enjoy what they’ve worked so hard for. So how do you find that balance? How can you know what you can spend, and for how long? Living …

1
Does Using Life Insurance to Build Wealth Make Sense? 26:45

1M ago26:45

26:45

Life insurance has become an increasingly controversial topic in recent years due to the opinions of financial gurus on YouTube, insurance salesmen, and media giants especially when it comes to using it as a vehicle to build wealth. When considering life insurance as a wealth building vehicle, it really comes down to who is using it and how they ar…

1
How to Analyze a Real Estate Deal 28:25

2M ago28:25

28:25

Investing in real estate historically has been a tried-and-true method of building wealth over the long-run, if you have the right wherewithal and mentality to do it – Let’s face it, it takes work. However, as with any type of investment, investing in real estate has its own set of risks. Without proper analysis, you can lose a lot of money even if…

1
What to Expect When Investing During an Election Year 21:51

2M ago21:51

21:51

2024 is an election year, and not just any election year, but what could be one of the most controversial election years in our Nation’s history. Given the constant influx of media hype around everything such as: geopolitical tension, political dispersion within the US, inequality, inflation, government spending and the nation’s screaming debt leve…

1
The Benefits and Rules of the Health Savings Account (HSA) 40:35

2M ago40:35

40:35

Whether you’re self-employed or an employee, a Health Savings Account or HSA can provide you with a triple tax benefit! Therefore, if you’re serious about saving taxes and building wealth, it’s critical to understand the benefits and rules of the Health Savings Account. If an HSA makes sense for your situation, you can benefit by receiving tax dedu…

1
How to Adjust Your Tax Withholding 37:59

3M ago37:59

37:59

Are you tired of handing over too much of your money to the tax authorities every year? Or wondering if there’s a better way to go about managing your cash flow when it comes to paying your taxes? If so, it's time to take control of your finances and maximize your wealth building machine. In this episode, I will show you how to adjust your tax with…

1
Funding Your Lifestyle in Retirement 18:30

3M ago18:30

18:30

If you are nearing retirement and have your eyes set on that dream day on the horizon (or even if you have recently entered into retirement) you need to know that you’re more responsible now - than ever in our nation’s history - for figuring out how to save, invest, and convert the financial resources you’ve spent your entire life accumulating into…

1
The Benefits of Reviewing Your Tax Return 23:12

4M ago23:12

23:12

It seems that each and every year when our firm reviews tax returns in consultations and second opinions we find dozens of missed tax savings opportunities: whether it be missed deductions, forgone strategies, less than ideal business entity or real estate structures, or simply improperly reported figures. This holds true whether you do your taxes …

1
How Inflation Impacts Your Investments and Social Security WEP/GPO Q&A! 28:34

4M ago28:34

28:34

Over the past few years one of the hottest topics has been the rise of inflation throughout the economy. Inflation impacts our day-to-day financial lives in numerous ways, good and bad, and has a significant effect on our investments over time. It is a silent killer that affects our spending habits, retirement income and other financial goals you w…

1
What You Need to Know About IRA and Roth IRA Contributions 40:30

5M ago40:30

40:30

Although you may be familiar with some of the basics of Traditional IRA and Roth IRA retirement accounts, there are many different rules and tricky nuances that you might not know that can open the door for more wealth building opportunities, or possibly be a cause for concern. For instance, you may think you make too much money to contribute to a …

1
Should I Get A Medicare Supplement or Advantage Plan? 33:27

5M ago33:27

33:27

When looking into getting extra healthcare coverage beyond the basic coverage provided by Original Medicare Parts A and B, you’ll have to choose between either a Medicare Advantage Plan or a Medicare Supplement Plan also known as Medigap. One isn’t necessarily better than the other, they each have their place in the market. In order to make the dec…

1
Passing Large Retirement Accounts to Beneficiaries 31:53

6M ago31:53

31:53

Large pre-tax retirement accounts such as Traditional IRAs, 401(k) plans and the like are great savings vehicles for retirement. The problem is, they make for lousy and tax laden estate planning. The tax authorities have a claim to the money in these accounts, and the retirement and tax laws surrounding them are very complex and ever-changing. This…

1
Creating a Financial Affidavit for Divorce Negotiations 20:04

6M ago20:04

20:04

One out of four people that experience divorce in the United States is age 50 or older, and nearly one out of ten is age 65 or older. These later-in-life separations is commonly referred to as Gray Divorce, and with it often comes complex financial situations. By properly creating a thorough financial affidavit during the divorce process, you can s…

1
What to Know About Taxes When Deciding What State to Retire In 32:38

7M ago32:38

32:38

By having a better understanding of your tax situation, you are more likely keep more of your hard-earned money, which can also mean you don’t have to rely as much on exuberant investment returns. Moving to another state in order to potentially save money in taxes can have a huge impact on your finances in retirement by allowing your money to go fu…

1
Financial Considerations for “Snowbirding” in Retirement 25:07

7M ago25:07

25:07

While the vast majority of people will choose to live in the same home once they retire, many more housing opportunities typically open up during your retirement years due to kids being out of the home - hopefully – and the fact that you don’t have any obligations to show up to any specific workplace or maybe you’re now able to work on your own ter…

1
Minimizing Your Lifetime Tax Bill Early in Retirement 32:36

8M ago32:36

32:36

There typically comes a time when your income sources drastically change from one source to another, or from one to multiple sources. For most, this will be shifting from earning income from a career, to then living off your own savings, potential pensions, or even passive income from real estate or businesses. During this phase of life is when you…

1
How to Protect Your Aging Parent Financially 27:29

9M ago27:29

27:29

If you have an aging parent, there’s a high likelihood that you will eventually need to step in to help them with their caretaking and financial decision making. There are many steps you can take to protect their finances and well-being as long as these steps are taken ahead of time so that everyone’s better prepared. Many of these things you shoul…

1
Unique Challenges Women Often Face in Retirement 20:55

9M ago20:55

20:55

Women have unique challenges that they typically face in retirement, and although men have their own share of obstacles to face, women tend to juggle more than just worrying about themselves and their own livelihood. This phenomenon is mostly due to the fact that many women today are part of a “sandwich generation” in which they typically support t…

1
With Everything Going on in The World Right Now, Why Would I Invest?! 21:34

9M ago21:34

21:34

Our emotions impact our investing decisions when it comes to the stock markets. In this episode, I share a thought experiment to help you understand how to make your investing decisions. More specifically, I discuss: With everything going on in the world, why would anyone still invest in the stock market? When fear and uncertainty are at a peak, ho…

1
Health Insurance Options When Retiring Before You’re Eligible for Medicare 20:19

10M ago20:19

20:19

I discuss the common options you have for health insurance coverage when retiring before you are Medicare eligible at age 65. More specifically, I discuss: Jumping on Your Spouse’s Employer Health Plan Considering Shopping The Health Insurance Marketplace – Affordable Care Act Continuing Coverage Through The Consolidated Omnibus Budget Act – COBRA …

1
Financial Strategies to Consider When Inheriting Money 29:26

10M ago29:26

29:26

In this episode, I discuss some of the financial strategies you can implement into your own personal finances as the recipient of a financial windfall from a parent. More specifically, I discuss: Strategies when inheriting property from a parent Strategies when inheriting cash and investments from a parent Tax considerations and planning when inher…

1
Costly Mistakes To Avoid When Inheriting Money 29:06

11M ago29:06

29:06

I discuss the potential pitfalls to watch out for when inheriting assets from a parent. Receiving an inheritance isn’t the same as maximizing an inheritance, as you could lose a significant portion if you’re not prepared. More specifically, I discuss: What are common types of assets that are passed down to the next generation? What are the common p…

1
Social Security Benefits Available to Widow(er)s 22:02

11M ago22:02

22:02

In this episode, I discuss potential Social Security Survivor Benefits available to a spouse and other family members after the loss of a loved one. Everyone’s situation is unique in that they will typically have many options when it comes to deciding how and when to apply for these benefits which could be the difference of tens if not hundreds of …

1
The Bucket Strategy 24:30

12M ago24:30

24:30

The Bucket Strategy, also know as Time Segmenting, is a simple and effective strategy to implement approaching retirement. This simple yet effective strategy allows you to assign a purpose to your various assets so you can understand how to enjoy the financial benefits they can provide. More specifically, I discuss: What is the “Bucket Strategy” ak…

1
What is Financial Planning? 25:40

1y ago25:40

25:40

Revealing the mysteries around financial planning: What it means, what it can do for you, and what the process looks like. I also discuss the problem with simply knowing or researching things rather than using information to implement in your own life. More specifically, I discuss: What is Financial Planning? – Personal/Retirement What Are The Step…

1
Business Owner Edition: How to Unlock the True Benefits of an S-Corporation, with Mike Jesowshek, CPA 56:50

1y ago56:50

56:50

Learn how your business may be able to help you save more in taxes! In this episode, I’m joined by Mike Jesowshek, CPA and host of the Small Business Tax Savings Podcast as we discuss how to unlock the true benefits of an S-Corporation. Having a better understanding of your business shouldn’t be complicated. Whether you’re new to the business world…

1
Are Your Investments Truly Diversified? 37:41

1y ago37:41

37:41

In practice, I have found many people think they are diversified looking at the surface, but come to find out their investments have very little to no diversification. In this episode, I discuss the benefits of diversifying your investment portfolio and the common myths around diversification. More specifically, I discuss: What does it mean to be t…

1
Social Security Benefits After Divorce 17:45

1y ago17:45

17:45

In this episode, I discuss the key facts that you need to know about Social Security benefits after divorce. More specifically, I discuss: What are the requirements to receive Social Security benefits based on an ex-spouse’s record? How much can you receive as a former spouse? What if your ex-spouse dies before or after you begin receiving Social S…

1
The Claims Process for Long-Term Care Insurance, with Eileen Dunn: Long-Term Care Series, Part #4 21:52

1y ago21:52

21:52

I’m joined again by Long-Term Care expert, Hospital Discharge Planner, and Geriatric Care Manager Eileen Dunn where we guide you through what to expect during the claims process for long-term care insurance. More specifically, Eileen and I discuss: When is it time to make a long-term care insurance claim? What are some reasons why someone may be de…

1
Long Term Care Series, Part #3: How to Determine How Much Long-Term Care Insurance You Need, with Eileen Dunn 45:30

1y ago45:30

45:30

I’m joined again by Long-Term Care expert, Hospital Discharge Planner, and Geriatric Care Manager Eileen Dunn where we educate you on how to determine how much long-term care insurance you may need, and what factors you should consider. More specifically, Eileen and I discuss: Factors that influence the amount of long-term care insurance you may ne…

1
Long Term Care Series, Part #2: Understanding Long-Term Care Insurance & Partnership Programs, with Eileen Dunn 43:08

1y ago43:08

43:08

I’m joined again by Long-Term Care expert, Hospital Discharge Planner, and Geriatric Care Manager Eileen Dunn where we discuss the basics of long-term care insurance and the Long-Term Care Partnership Program. More specifically, Eileen and I discuss: Why should you consider long-term care insurance? What does long-term care insurance pay for? Commo…

1
What is Long-Term Care & How Does It Work? With Eileen Dunn: Long Term Care Series, Part #1 32:20

1+ y ago32:20

32:20

What is long-term care & how does it work? In this episode, I’m joined by Long-Term Care expert, Hospital Discharge Planner, and Geriatric Care Manager Eileen Dunn to educate us on the basics and realities of long-term care from a “boots on the ground” perspective. More specifically, Eileen and I discuss: What is Long-Term Care? What Qualifies Some…

1
Does Rental Property Make Sense in My Retirement Plan? With John Stanfield 45:22

1+ y ago45:22

45:22

In this episode I’m joined by mortgage lending expert John Stanfield with Viewpoint Financial as we dispel some of the myths about rental property investing so you can decide how you want to approach given your own situation and investing preferences. And while a portfolio of rental properties can absolutely generate wealth and income in retirement…

1
Are Annuities a Good Idea for Retirees? 33:14

1+ y ago33:14

33:14

At some point nearing retirement, retirees often wonder: Are annuities a good idea for retirees? The internet and world-at-large is full of conflicting information about annuities, and whether or not they make sense for today’s retiree. The topic of annuities is definitely an interesting one since many retirees are in one or two camps: They either …

1
Your Retirement Income Plan Can Make or Break You 29:54

1+ y ago29:54

29:54

Plain and simple, your retirement income plan will make or break you in retirement. In this episode, we discuss the importance of creating an actual plan that focuses solely on how you will get your income in retirement, and the greatest risks your income will face. An appropriately structured income plan is crucial so that you can avoid entering r…

1
Shadow Taxes 29:47

1+ y ago29:47

29:47

In this episode, we show you how to spot shadow taxes which are hidden taxes you may pay without a trained eye. These are taxes and penalties hidden from plain sight that many people pay, although there are numerous ways to reduce or avoid them entirely. More specifically, I discuss: The Repayment of Advanced Excess Premium Tax Credit The Net Inves…

1
What to Do When an Elderly Parent or Spouse Dies 35:33

1+ y ago35:33

35:33

In this episode we will go through a process that will help you figure out what to do when an elderly parent or a spouse dies. This is especially useful if you are the named executor of an estate, or trustee or successor trustee of a trust for the deceased since you will be the one who will aid in determining and/or delivering on their wishes. More…

1
How to Invest in Bonds in Retirement 36:36

1+ y ago36:36

36:36

Bonds are very misunderstood by most retirees and investors alike simply because they don’t get much love and attention, but bonds are actually very simple, more-so than stocks. In this episode, I teach you some interesting, exciting, and actionable things about them you may not have known that can help you. My goal is for you to better understand …

1
Estate Planning in Retirement 33:26

1+ y ago33:26

33:26

Estate planning in retirement can be a daunting task. The problem is that most of us put off this aspect of retirement planning because it doesn’t raise an immediate need. The truth is that estate planning is much more than a will and trust and can have a dramatic effect on your legacy, for better or worse. In this episode we discuss what estate pl…

1
What is a Roth Conversion and Why Should I Consider It? 31:58

1+ y ago31:58

31:58

Roth conversions are a great strategy that you can use to help build up your “tax-free” bucket in order to provide you with more flexibility in retirement. Having more tax-free money can help you avoid tax time-bombs, maintain some control of your taxable income in retirement, or even be used as an excellent legacy to pass down to heirs. More speci…

1
Medicare Options in Retirement 34:43

1+ y ago34:43

34:43

Medicare is a daunting program to understand for most retirees. In this episode we break down the different components and additional coverage options in layman’s terms. Having a good understanding of the different options and various costs components can provide you with more confidence in your healthcare plan during retirement. More specifically,…

1
The Greatest Threat to Your Life Savings 30:22

1+ y ago30:22

30:22

The greatest threat to your life savings is lurking in the shadows ready to strike when you least expect it. This threat presents itself when going from saving to spending your retirement nest-egg - which is nerve wracking for a new retiree. This phase of your financial journey is far more complicated than simply putting money away year-in and year…

1
How To Build A Retirement Investment Portfolio 33:03

1+ y ago33:03

33:03

There are many nuanced factors to consider when creating a retirement investment portfolio. In this episode I go over some of the more important foundational building blocks, and how to begin the process of creating a retirement portfolio for you. More specifically, I discuss: Identifying a specific purpose for your different accounts, based on you…

1
What To Do When Markets Are “Bad” 28:44

1+ y ago28:44

28:44

Financial markets are scary… and we humans make decisions largely based on our current emotions. Mixing those two things together, and you get a toxic concoction. Investing should be based upon us acting on our own rational and intellectual thoughts, but it hardly ever is… So rather than staring at markets and making emotional decisions, what can w…

1
Preparing for Retirement Pt. 2 37:50

2y ago37:50

37:50

Taking the proper steps early to prepare yourself for one of life’s biggest transitions can alleviate much unwanted stress and…save you money. In this episode I continue the conversation on taxes and how they can be paid in retirement, what to do with your retirement accounts when you retire, and some tips to help you make healthcare decisions arou…

1
Preparing for Retirement Pt. 1 24:47

2y ago24:47

24:47

Taking the proper steps early to prepare yourself for one of life’s biggest transitions can alleviate much unwanted stress and…save you money. The first step in preparing for retirement is determining if you are actually ready. In this episode I go over what you can do to determine your retirement readiness along with a host of other important fina…

1
Social Security Lump Sum & The Start-Stop-Start Strategy 25:46

2y ago25:46

25:46

Let’s go over two little known Social Security strategies and the long-term implications of each. In this episode, I discuss why Social Security is paying out lump sum payments to retirees and the pitfalls of taking the payment, as well as a strategy to tap into benefits early and rebuild them later. I also review tax and estate planning issues tha…

1
How to Use Tax Gain & Loss Harvesting 27:58

2y ago27:58

27:58

Episode #2: How to use tax gain AND loss harvesting to your advantage. If done appropriately, tax gain/loss harvesting can help you reduce taxes, thereby keeping more money in your pocket which can help you increase your net worth! More specifically, I discuss: Tax loss harvesting with examples Tax GAIN harvesting with examples Capital gains and lo…

1
5 Tax & Estate Planning Tips for Retirement Accounts 29:42

2y ago29:42

29:42

Episode #1: Don’t add the IRS to your list of beneficiaries! Here are 5 of my favorite tax and estate planning tips when it comes to retirement accounts including IRAs and employer plans! You’ll also learn: What your Required Beginning Date or RBD is, and why it is so important What is a Required Minimum Distribution or RMD, and how it affects your…

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Cameron Valadez Podcasts

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