Little Bit Of Everything
…
continue reading
The Savvy Investor Podcast is your one-stop shop for investors and retirees who want to level-up their retirement plans. Hosts Mike Canet and Ryan Herbert are independent financial advisors with decades of experience. They tackle the tough financial issues that matter most to you, from saving for retirement to reducing taxes. Whether you're just starting out or you're a seasoned investor, The Savvy Investor Podcast has something for you. Tune in each week for practical tips and strategies on ...
…
continue reading
This is the Snowfighters Institute podcast, where you will hear directly from some of the most interesting people in the professional snow and ice management industry – to learn about their successes, to hear about the challenges they faced along the way, and to have their perspective on critical issues facing our industry today. Hosted by Phil Harwood (Phil@GrowTheBench.com). Follow our social media feeds and check out upcoming events at SnowfightersInstitute.com.
…
continue reading
Friends of the Vine Wine Podcast features conversations with winemakers, wine writers, sommeliers and masters of wine. Our guests are knowledgeable, passionate professionals who love talking wine and all things related in the wine industry.
…
continue reading
Mike discusses the frustrations with RMDs and fees associated with retirement accounts, and why tax planning is important when building a retirement plan. Mike highlights why in-depth tax planning is necessary to potentially achieve a 0% tax bracket in retirement. Want to begin building your retirement plan? Schedule a call with us here: 📅 https://…
…
continue reading
Mike dives into how required minimum distributions work and how they can possibly lead to higher tax brackets in retirement. He emphasizes the need to minimize taxes and create tax-efficient income streams. Mike also touches on the challenges of managing RMDs and the penalties for not taking out the correct amount. Want to begin building your retir…
…
continue reading
Mike and Ryan discuss the DOW Jones recently breaking the 40,000 mark and the impact of market fluctuations on retirement planning. They emphasize the importance of tax planning and taking control of tax bills during retirement. Mike and Ryan also cover strategies for minimizing tax liabilities and optimizing income from the sale of a business. Wan…
…
continue reading
1
Boss Software for Snow with Mike Cossins and Tyler Johnson
51:41
51:41
Play later
Play later
Lists
Like
Liked
51:41
Listen in as Phil Harwood interviews Mike Cossins, President of The Integra Group and developer of Boss Software, and Tyler Johnson, Business Coordinator with Curbside Landscape & Irrigation, about using Boss Software for snow. By making significant investments in its capabilities and by engaging with Boss users involved in snow, Boss has developed…
…
continue reading
1
The Impact Of Government Spending On Taxes
15:10
15:10
Play later
Play later
Lists
Like
Liked
15:10
Mike and Ryan delve into the implications that government spending can have on your taxes, and the potential shock that may come when taxes increase after the Trump tax cuts expire. They also discuss the need for tax efficiency and the potential savings that could come from strategic financial planning in retirement. Want to begin building your ret…
…
continue reading
1
Alternative Options For Funding Long-Term Care
13:08
13:08
Play later
Play later
Lists
Like
Liked
13:08
Ryan Herbet discusses the potential impact of healthcare and long-term care expenses on retirement savings and the transfer of wealth to future generations. He highlights the need for tax planning and what the tax implications may be of passing wealth down to children. Ryan also explores alternative options for funding long-term care and the challe…
…
continue reading
Retirees are getting anxious about the unrest in the world, upcoming elections, and out-of-control government spending. Warren Buffett advises against making investment choices based on short-term headlines and instead focuses on predicting what will happen in the next 10 years. The stock market is unpredictable and reacts to various factors, makin…
…
continue reading
1
Maximizing Retirement Income With Roth Conversions
13:59
13:59
Play later
Play later
Lists
Like
Liked
13:59
What are the tax consequences of working longer in retirement to gain more income? In this episode, Ryan discusses the impact of taxes on retirement income and the importance of tax planning. Also, Ryan explains how Roth conversions can be a valuable strategy to save on taxes in retirement. Want to learn more about tax planning and if Roth conversi…
…
continue reading
1
Misconceptions About Your 401k In Retirement Planning
13:13
13:13
Play later
Play later
Lists
Like
Liked
13:13
Having a 401k does not automatically mean you have a substantial retirement fund. While a 401k is a tool to save money for retirement, it doesn't guarantee a successful income plan. In this episode, Mike and Ryan explain why people may lack the necessary knowledge and guidance to make informed decisions about their 401k, and discuss the important t…
…
continue reading
1
How Tax Friendly Is Maryland For Retirees?
12:53
12:53
Play later
Play later
Lists
Like
Liked
12:53
Tax planning is a crucial aspect of financial planning, as taxes may significantly impact retirement savings. In this episode, Ryan Herbert tells us where Maryland stands compared to other states regarding tax rates. Learn about how where you live can affect your overall retirement plan and the importance of properly preparing a tax strategy. Want …
…
continue reading
Join Phil Harwood as he interviews Jason Case, CEO of Case Facility Management Solutions. Listen in as Jason shares his inspiring story and perspective on a wide range of topics.By Phil Harwood
…
continue reading
1
Understanding The Tax Implications Of Annuities
13:44
13:44
Play later
Play later
Lists
Like
Liked
13:44
Diversifying tax buckets is important when minimizing tax implications. A plan that considers the lowest tax bracket today and throughout retirement is essential to understand when aiming for tax efficiency. In this episode, Mike and Ryan break down how different investments such as annuities have varying tax implications, and why preserving and pr…
…
continue reading
Taxes are unfair. That’s what Ron Swanson of “Parks and Rec” taught a young student by eating most of her lunch. On this episode, Mike expresses the frustrations he has with lazy CPAs that are costing the taxpayer money they legally aren’t obligated to pay. Plus, hear about how proper tax planning may result in a lower tax bill and how those saving…
…
continue reading
Join Phil Harwood as he invites Tom Canete back for a follow up conversation about business strategy and more. Tom is the owner of Canete Snow Management and several other businesses. Based in New Jersey, Canete Snow Management is the provider of choice for MetLife Stadium, home of the New York Giants and the New York Jets.…
…
continue reading
1
Income Concerns For Your 401k In Retirement
16:59
16:59
Play later
Play later
Lists
Like
Liked
16:59
Market corrections have a bigger impact on your 401k than you may think. That impact is more significant when you're planning for retirement. On this episode, Ryan Herbert discusses the importance of positioning yourself properly to make your life savings last regardless of a stock market crash. Plus, pensions used to be the consistent source of in…
…
continue reading
1
How much can you withdraw from your retirement and make it last?
15:00
15:00
Play later
Play later
Lists
Like
Liked
15:00
How much can you withdraw from your retirement and make it last? Ryan Herbert and Lawrence Kiely discuss recent reports from talking heads saying rates range from 4% to 8% annually and why that might not be right for you. They also talk about the age-old question of how much you need for retirement and if there is a set number, See omnystudio.com/l…
…
continue reading
Listen in as Phil Harwood interviews Tyler Jabaay from Priority Landscape & Maintenance, serving northwest Indiana, Chicagoland, and West Michigan. Tyler's story is filled with timeless and enduring lessons about business, family, and living life to its fullest, along with some inspiring takeaways for your business.…
…
continue reading
1
Cokie-Episode 74 | Cokie's World of Wine | Wine Talk
34:39
34:39
Play later
Play later
Lists
Like
Liked
34:39
Cokie and her wine related video content has gained a huge following on YouTube and Instagram, as she shares her passion, energy, and knowledge of wine. Cokie is a WSET Diploma graduate, who juggles university life with representing trade bodies for wine missions in areas such as Niagara, USA and Europe. We dive into a variety of topics, including …
…
continue reading
What are the advantages to Roth conversions and when is the right time to begin? Ryan Herbert discusses how to take advantage of taxes when moving money in your retirement accounts. He also talks about how to create a personal pension and ways to retire as a federal employee. Start your tax savings today- schedule a call with us here: 📅 https://bit…
…
continue reading
1
The tax target keeps moving. Where should you aim?
21:57
21:57
Play later
Play later
Lists
Like
Liked
21:57
The tax laws continue to shift and can create a problem when it comes time to file, but what can you do today to get ahead of the issue? Mike Canet and Lawrence Kiely discuss the proper way to implement a tax plan for your financial future. They also talk about how much money you need to save to cover medical expenses in retirement and why that num…
…
continue reading
They are calling it "Peak 65" but what does that mean? Mike Canet and Lawrence Kiely discuss the recent influx in retirees leaving the workforce. They also talk about the tax options that become available to you when you sell off real estate before or during retirement. See omnystudio.com/listener for privacy information.…
…
continue reading
Will retirement cause you to go up into a higher tax bracket? Ryan Herbert and Lawrence Kiely discuss the tax options that are available to you when you are going into and through retirement. They also talk about the impact of a Presidential Election on your financial future. See omnystudio.com/listener for privacy information.…
…
continue reading
1
You could be losing money by not retiring!
21:50
21:50
Play later
Play later
Lists
Like
Liked
21:50
Are you delaying your retirement? Did you know that you could be losing money because you're continuing to work? Ryan Herbert discusses the importance of retiring at the right time and how to evaluate your situation to know when to begin transitioning into retirement. See omnystudio.com/listener for privacy information.…
…
continue reading
1
This is what a financial advisor is supposed to do.
22:06
22:06
Play later
Play later
Lists
Like
Liked
22:06
Getting you to retirement is different than getting you through retirement. How does the role of your financial advisor change when you decide to stop working? Ryan Herbert discusses why you should shift your financial focus and the importance of a retirement plan. He also talks about Tiger Woods recent decision to leave Nike Golf and ways to keep …
…
continue reading
Media Mogul and Billionaire Tyler Perry shares his vision for retirement, and whether you're a federal employee or not, you might be surprised to know how similar his goals are to yours. Ryan Herbert explains the importance of having a complete financial plan and the relationship you and your family should have with the person managing your money. …
…
continue reading
1
A guide to retirement for Federal Government employees
17:02
17:02
Play later
Play later
Lists
Like
Liked
17:02
Are you a Federal Government employee thinking about retiring in 2024? Mike Canet and Ryan Herbert breakdown the tools available to you and the ways you can reach your financial goals in the next calendar year. See omnystudio.com/listener for privacy information.By Mike Canet
…
continue reading
1
How to plan your child's financial future today!
27:25
27:25
Play later
Play later
Lists
Like
Liked
27:25
Have you begun planning your child's financial future yet? Do you even know what options are available to you? Mike Canet breaks down some of the best ways to get started and explains how each option works. He also discusses the difference between a 529 plan and a Roth and the new tax brackets you will see in 2024! See omnystudio.com/listener for p…
…
continue reading
Listen in as your host, Phil Harwood, interviews snow business icon, Troy Clogg about his snow business, the snow industry, Hot Pink Deicer and Hot Pink Helpers, and, of course, Snowfighters Institute, as Hot Pink Deicer is a Platinum Sponsor and host of the Forum for Sales, being held August 14-15, 2024 in Novi, MI (Detroit area).…
…
continue reading
This holiday special is a compilation of Mike Canet's celebrity interviews which includes Jason Aldean, Tom Glavine, Warren Moon, Andrea Bocelli, Marshal Faulk, Bill Murray and more! They discuss Mike's favorite topic, their favorite meal from mom. See omnystudio.com/listener for privacy information.…
…
continue reading
Listen in as Phil Harwood interviews Jeen Stork from Stork's Plows (storksplows.com). With the world's largest inventory of new and used snow plows and snow plow parts, Stork's is truly an industry leader. On this podcast, Jeen shares his story about growing up in a family business, how the business has evolved over the years, and business successi…
…
continue reading
1
The struggles of adjusting into retirement.
23:44
23:44
Play later
Play later
Lists
Like
Liked
23:44
Former NFL Quarterback Tom Brady says he is struggling to adjust in retirement, but is it really that difficult? Mike Canet talks about the phase of transitioning from the workforce and gives tips on how to create a successful retirement plan for your life goals. He also discusses what you should be doing with dead money and why paying less taxes i…
…
continue reading
1
What is "Fun-flation" and how can you make it a part of your retirement?
26:02
26:02
Play later
Play later
Lists
Like
Liked
26:02
What is "Fun-flation" and how can you make it a part of your retirement? Ryan Herbert discusses the importance of building experiences into your retirement plan that won't affect your overall plan. He also talks about the importance of tax planning for the future and what you should be doing with your 401(K) in today's market. Don't miss an episode…
…
continue reading
How have annuities changed for retirees? Mike Canet discusses one of the most important aspects of a financial plan in retirement and that is having the right tool for the right job. He breaks down how annuities have evolved over the years. He also thanks everyone who has been a part of the Prostatis team as they celebrate 20-years of service in th…
…
continue reading
1
How can a war affect your retirement and the market?
24:20
24:20
Play later
Play later
Lists
Like
Liked
24:20
How can a war affect your retirement and the market? Ryan Herbert discusses current geopolitical events and talks about how they could affect your portfolio. He also talks about the difference of a partial retirement and staying busy in retirement. See omnystudio.com/listener for privacy information.…
…
continue reading
1
The Future of Retirement with WCBM's Bruce Elliott
24:36
24:36
Play later
Play later
Lists
Like
Liked
24:36
WCBM host Bruce Elliott sits down with Mike Canet to discuss the future of retirement. They talk about the current tax rates and what changes are coming, how the outcome of the 2024 election could affect you financially, and the rising interest rates of the housing market. See omnystudio.com/listener for privacy information.…
…
continue reading
1
Charlotte Lemstra-Bake | Episode 73 | Chateau Canet | Wine Talk
22:49
22:49
Play later
Play later
Lists
Like
Liked
22:49
While travelling through France this summer, we managed to be staying about 30 minutes away from Chateau Canet in the Languedoc region, and I got time to spend sampling some wines and recording an episode with Charlotte Lemstra-Bake. Charlotte comes from a family of winemakers, as both her father and brother also have their own labels within their …
…
continue reading
1
Learn what hasn’t changed with 401(K)'s over the last decade
23:48
23:48
Play later
Play later
Lists
Like
Liked
23:48
What can you do with your 401(K) now that you couldn't a decade ago? Ryan Herbert breaks down what changes you can make for retirement and how to do so in the most tax efficient manner possible. He also discusses famous magician David Copperfield and the option of continuing to work in retirement. See omnystudio.com/listener for privacy information…
…
continue reading
1
What amount of money means you're wealthy enough to retire?
23:48
23:48
Play later
Play later
Lists
Like
Liked
23:48
Ryan Herbert discusses how much money you need when you stop working. He also talks about figuring out what you want to do in retirement and how you're going to afford it, because after all, we'd all love, "The Jimmy Buffet" retirement plan. Find us now on YouTube! Subscribe to be notified of Shorts, our Video Podcast and more insights from the tea…
…
continue reading
1
The tough retirement questions you have to talk about with your family
23:48
23:48
Play later
Play later
Lists
Like
Liked
23:48
It's not always easy to talk to a family member about retirement, but what are the most important topics to discuss? Mike Canet and Ryan Herbert break these down to help start the process. They also talk about the Tax cuts and Jobs Act, a.k.a. the Trump Tax cuts, which will be sunsetting in 2025. What actions should you be making right now? See omn…
…
continue reading
1
The 4 things wealthy people do to stay wealthy
25:30
25:30
Play later
Play later
Lists
Like
Liked
25:30
How do wealthy people stay wealthy? Mike Canet and Ryan Herbert discuss the 4-step method that most wealthy individuals use to maintain their wealth. They also discuss how to reduce your taxes in retirement and Jay Leno talks about the financial plan he created years ago to set himself up for the future. See omnystudio.com/listener for privacy info…
…
continue reading
1
Will you outlive your life savings in retirement?
27:56
27:56
Play later
Play later
Lists
Like
Liked
27:56
Will you outlive your life savings in retirement? Mike Canet discusses one of the greatest fears most retirees have, do I have enough money? He talks about the best ways to structure a your portfolio and how to withdraw your money in the most tax efficient manner possible. See omnystudio.com/listener for privacy information.…
…
continue reading
Risk, taxes, and fees…which one is growing in your 401(k)? Is it all three? Do you know how can you get rid the problem? Mike Canet and Ryan Herbert discuss the tools you need to be using today to find out what is in your portfolio so you can avoid disaster. See omnystudio.com/listener for privacy information.…
…
continue reading
1
When is the right time to access your 401(k)?
22:38
22:38
Play later
Play later
Lists
Like
Liked
22:38
When is the right time to access your 401(k)? Mike Canet and Ryan Herbert breakdown some of the most common mistakes people make when tapping into their 401(k). They also discuss how to sell a business in the most tax efficient manner possible, as well as what steps you should take before the sale. See omnystudio.com/listener for privacy informatio…
…
continue reading
A new survey shows that more than half of stay-at-home moms don’t have a retirement strategy. Are you creating a plan or leaving it in the hands of your spouse? Katherine Groce breaks down what she most commonly see's when a woman steps into her office looking to discuss their financial future. She also discusses the different thought processes bet…
…
continue reading
1
When should you give your portfolio a checkup?
30:37
30:37
Play later
Play later
Lists
Like
Liked
30:37
The MLB All-Star break is underway, we look at how teams are doing as they head towards the second half of the season, but when should you stop and look at your portfolio to make sure it’s heading in the right direction for a successful retirement? Ryan Herbert suggests the best time of the year to run an x-ray on your 401(k) and when should you st…
…
continue reading
1
You've received your last paycheck, so what now?
24:36
24:36
Play later
Play later
Lists
Like
Liked
24:36
You've received your last paycheck, so what now? Ryan Herbert discusses the transition from being in the workforce to finally saying you've retired. He also talks about working towards the freedom to retire on your own terms and how you should use your financial advisor as a tool for your portfolio. See omnystudio.com/listener for privacy informati…
…
continue reading
What is financial independence? Mike Canet celebrates the 4th of July by sharing tips and stories about some of his clients who have achieved financial independence in retirement. He also discusses what you should be doing right now to make sure you're not being over taxed. See omnystudio.com/listener for privacy information.…
…
continue reading
1
The 5 things a financial advisor should do for you
25:02
25:02
Play later
Play later
Lists
Like
Liked
25:02
What do you need a financial advisor for? Mike Canet discusses the five reasons to hire an advisor and shares stories about how he’s been able to help his clients save on taxes. He also talks about how to utilize a deferred sales trust, where you should keep your money from a tax standpoint, and how to achieve the retirement you deserve. See omnyst…
…
continue reading
How much money do you need to retire? Is there a magic number? Ryan Herbert discusses how to set up a budget to show you if you’re on track. He also talks about the financial tips he received from his father and what role artificial intelligence plays in the Prostatis office. See omnystudio.com/listener for privacy information.…
…
continue reading
1
Brenna Quigley-Episode 72 | Roadside Terroir | Wine Talk
54:02
54:02
Play later
Play later
Lists
Like
Liked
54:02
Always a favourite on our show, we get to chat again with Brenna Quigley. Brenna is a geologist with a focus on wine, wine regions and terroir. She also has a wonderfully informative podcast of her own, currently focusing on France, specifically Cote D'Or, with a highlight on my favourite, Burgundy. She brings a high level of detail to her episodes…
…
continue reading