Best Pgeretirement Podcasts (2024)

1
On a Break Until the 4th Quarter 3:44

1y ago3:44

3:44

Exciting things are coming in the 4th Quarter of 2023. Until then, the show will be in hiatus as I build new tools to help you - my listener. Got questions or want to take one of my Summer webinars? Email dan@danleonard.expert

1
How long should I keep my documents? 15:15

1y ago15:15

15:15

Welcome to "Powering Your Retirement Radio"! Today, I want to address one of the most frequently asked questions about the documents you should keep hard copies of and for how long. It doesn't matter if it's your tax return or investment statements; fortunately, digital copies are acceptable for many of these documents now. But you may have a conce…

1
Edward F. Sanders - Financial Strategist 13:17

1y ago13:17

13:17

Welcome back to Powering Your Retirement Radio. I am Dan Leonard, your host. Today I am joined by Ed Sanders. Ed Sanders is a financial strategist with over 19 years of experience in the finance industry. Originally from Akron, Ohio, Ed attended the University of Arizona before moving to the Bay Area to work for Wells Fargo after graduation. In 200…

1
What to do on your worst day 15:36

1+ y ago15:36

15:36

Hello, and welcome back to Powering Your Retirement Radio. Today's episode is not uplifting, but still worth a listen. We will all likely face this event once or twice in our lifetimes. Unfortunately, like most emotional and personal things, you learn by doing it and never really share it with anyone. So, here is an outline of things to consider wh…

1
Treasury Bills and SVB 19:23

1+ y ago19:23

19:23

Hello, and welcome back to Powering Your Retirement Radio. In today’s episode, I want to discuss the most often question I get these days: "Should I buy Treasury Bills?” I also want to discuss what happened with Silicon Valley Bank (SVB). It seems like several times each week. Someone calls to ask what I think about buying Treasury Bills. I first w…

1
Long Term Care Basics 24:31

1+ y ago24:31

24:31

Welcome back to Powering Your Retirement Radio. I want to discuss Long Term Care or Extended Care. This is insurance and not an investment. Insurance, in the long run, is better to have and not need, than to need and not have. It is also better to buy it before there is a need because, at that point, it is either very expensive or not available. So…

1
How to Save $1,000,000 in your 401K 11:47

1+ y ago11:47

11:47

How can you save $1,000,000 in your 401k between the ages of 30 and 60? We'll cover strategies for maximizing your contributions, making smart investment decisions, and taking advantage of employer matching programs in this episode. Maximizing Contributions The first step in saving $1,000,000 in your 401k is to maximize your contributions. If you'r…

1
Saving for Retirement 18:46

1+ y ago18:46

18:46

How much should I save for Retirement Annually? The amount you should save for retirement annually depends on several factors, including your age, income, current savings, and retirement goals. Generally speaking, financial experts recommend saving 10-15% of your income each year for retirement. However, it's important to remember that this is just…

1
Long Term Perspective 11:06

1+ y ago11:06

11:06

Welcome to Powering Your Retirement Radio. Having a long-term perspective when investing is important because it allows you to ride out short-term market fluctuations and focus on the underlying fundamentals of your chosen investments. It also gives your investments time to compound and grow, which can lead to greater returns over the long run. Add…

1
2023 Tax Numbers to Know 18:14

1+ y ago18:14

18:14

Welcome back to Powering Your Retirement Radio. Here are some key tax numbers for 2023 to keep in mind: The standard deduction for individuals is $12,550 and $25,100 for married couples filing jointly. The personal exemption has been suspended. The top marginal tax rate for individuals is 37%. The income threshold for the 37% tax bracket is $518,40…

1
Secure Act 2.0 19:34

1+ y ago19:34

19:34

Welcome back to Powering Your Retirement Radio. On December 23, 2022, Congress passed the SECURE 2.0 Act of 2022 as part of the Consolidated Appropriations Act of 2023, a $1.65 trillion omnibus spending package to keep the government running. The new retirement legislation makes significant alterations to the retirement account rules. Many of these…

1
Tax Loss Selling 11:41

1+ y ago11:41

11:41

Welcome to Powering Your Retirement Radio. Tax loss selling is a strategy investors use to offset capital gains on their investments by selling decreased-value securities. The losses from these sales can be used to offset any capital gains realized during the year, thus reducing the overall tax liability for the investor. This strategy is typically…

1
The Great Reset 7:23

1+ y ago7:23

7:23

The great reset is coming. Every year at the end of the year, everything gets set back to Zero. Everyone likes it when the market is up, but 2022 certainly has not been an up year. Every year on December 31st, all reporting systems reset. When the market is up, an advisor dislikes the reset since you lose the good performance. When the market is do…

1
HSA Ideas 12:07

1+ y ago12:07

12:07

Welcome to Powering Your Retirement Radio. A Health Savings Account (HSA) is a savings account used in conjunction with a high-deductible health plan (HDHP) to pay for qualified medical expenses. Contributions to the account are made pre-tax and can be withdrawn tax-free to pay for qualified medical expenses. The money in the account can roll over …

1
Health Savings Accounts - Basics 16:31

1+ y ago16:31

16:31

Health Savings Accounts (HSA) are great for saving for future medical expenses. This isn’t news to most people, but one thing I learned that I should have known was if you have an expense this year and you don’t use it, you don’t lose it. You can accumulate receipts and year you are covered by a High Deductible Health Plan (HDHP)...meaning if you c…

1
Social Security COLA Adjustment 15:57

1+ y ago15:57

15:57

Welcome to Powering Your Retirement Radio. The Social Security Cost of Living Adjustment (COLA) is an increase in the amount of Social Security benefits that are intended to keep pace with inflation. The COLA is determined each year by the percentage increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W) from the t…

1
Required Minimum Distribution Strategies 22:53

2y ago22:53

22:53

At age 72, advisors must remind clients about the Required Minimum Distributions (RMDs). With some version of this, for decades, the IRS has allowed you to defer paying taxes on your retirement accounts, but now, like the Pied Piper, they want to get paid. It is not usually received warmly or happily, but as an added tax burden they had knowingly f…

1
Tax Buckets 13:24

2y ago13:24

13:24

Welcome back to Powering Your Retirement Radio. This week we are talking about the four different Tax buckets to everyone has access to. Ordinary Income Bucket This bucket is your paycheck, regular taxable investments, rental income, and Social Security. It is money you are earning that is taxed at ordinary income rates. Income tax rates are somewh…

1
Tax Birthdays and Milestones 18:43

2y ago18:43

18:43

Welcome back to Powering Your Retirement Radio. In the episode, we will discuss the different Milestones that certain birthdays bring. 0 to 18 years - Kiddie Tax Issues 18+ - Claiming children as dependents 18 or 21, even 25 - Age of Majority for UTMA and UGMA accounts 26 - "adult" children of parent's healthcare The Gap years - College to Age 50 -…

1
401k Tune Up Pt 2 18:05

2y ago18:05

18:05

continued from the last Episode. 5. Spillover Election 6. After-Tax Contributions, regardless of income 7. BrokerageLink *Bonus Tip Visit the podcast website: https://poweringyourretirement.com/2022/08/25/401k-tune-up-tips-part-2/(opens in a new tab)

1
401k Tune Up Pt1 11:44

2y ago11:44

11:44

1. Contribution Calculation Every year, when you get a raise, you automatically save a little more money. At some point, you will likely hit the 401k contribution limit. Currently, that limit is $20,500. That amount is known as your Elective Deferral. If you divide the elective deferral amount by your base salary (ex. $150,000), the result would be…

1
Roth Conversion Gotcha's 10:13

2y ago10:13

10:13

Welcome back to Powering Your Retirement Radio. I will revisit my Roth Conversions on Sale (Episode 33). I have received several calls on the episode, and in some cases, the idea of doing a conversion did not make sense. There are a few reasons why. First, you have to have an idea of what your retirement income is going to be. If you are currently …

1
When will the bear market end? 15:56

2y ago15:56

15:56

Welcome back to Powering Your Retirement Radio. In this episode, I discuss the three items mentioned in the article at the bottom of this post. The TLDR answer is nobody knows how it will end, but it doesn't mean people won't try to predict it. The key is to focus on what is controllable. What are the three common reasons Bear Market's reasons end?…

1
Roth Conversions are on sale! 13:47

2y ago13:47

13:47

Roth conversions are on sale. Let’s look at what to consider when considering a Roth conversion. If you believe we are in a downturn and the stock market will hit new all-time highs at some point, you need to consider a Roth Conversion. Topics covered: Your Current Tax Rate Available cash to pay taxes created Time Frame until you need the money Tot…

1
Digital Assets & The Fed Meeting 15:34

2y ago15:34

15:34

Welcome back. This week I talk about Digital Assets and the Fed Meeting yesterday. The show was recorded Monday so that you can hear my predictions. Spoiler alert, I didn’t do too bad. Last week I attended the Digital Assets Council of Financial Professionals (DACFP) this April. I completed their certification course, and this week I finished the C…

1
What the Heck? 13:26

2y ago13:26

13:26

What the heck? There are so many things that make us scratch our heads when we hear how they work. In this episode, I will share with you what Filial Laws are, what the Hold Harmless provision between Social Security and Medicare is, and finally I wrap up with why the self-employed have to file returns to avoid a very negative effect on their Socia…

1
Doom and Gloom: When will it end? 19:03

2y ago19:03

19:03

Well, the sell of continues. When will the doom and gloom end? That is the question of the day. Welcome back to Powering Your Retirement Radio. More than 10 trillion of paper wealth has been lost since the beginning of 2022. The NASDAQ and Russell 2000 have reached Bear Market levels. The S&P 500 is approaching and may actually get there before thi…

1
April Woes 20:36

2y ago20:36

20:36

April was a terrible month in the markets, in fact, the NASDAQ is off to the worst start to a calendar year ever! There are lots of reasons to be nervous about the markets, economy, and peace around the world. The one thing you should not lose faith in is your financial plan, these are the times to hold steady and stay the course. That doesn't mean…

1
When Can I Retire? 9:31

2y ago9:31

9:31

When can I retire? This is easily one of the most often asked questions I get? Like most things, the answer is very unsatisfying; it depends. That doesn't mean many people aren't pleased with the outcome. It is next to impossible to look at someone's assets and tell them they can retire without knowing about their lifestyle and debt. I use a 3-meet…

1
10 Investment Themes for 2022 19:13

2+ y ago19:13

19:13

Here is a breakdown of the 10 themes and a link to the full report 10 investment themes for 2022 1 Pricing power 2 Tech trifecta 3 Dividend comeback 4 Health care innovation 5 Transportation transformation 6 China challenges and opportunities 7 Media disruption 8 Future of financials 9 ESG everywhere 10 Flexible fixed income * Volatility Perspectiv…

1
Social Security Claiming 13:48

2+ y ago13:48

13:48

Everyone has questions, a common one is when to claim Social Security? Last week I had an individual in asking that very question. I think this person was like many people I talk to, they wanted a definitive answer, not a word problem from the SAT test. Sadly, there isn’t a single right answer. If you want to blow your mind, you can claim Social Se…

1
The Magic Penny 13:44

2+ y ago13:44

13:44

If you could choose between $1,000,000 today or a penny that would double every day which, would you choose? As you might guess the Magic Penny is a better deal. So, what does that have to do with your 401(k)? It is an example of compound interest. Little things you do early in your working career have a big impact on your savings when you are read…

1
Set Yourself up for 401k Success 20:52

2+ y ago20:52

20:52

Welcome back to Powering Your Retirement Radio. I am Dan Leonard your host. You can take a few steps to set yourself up for 401k success. You can take these steps to maximize your 401(k) regardless of your age. Steps: Enroll! Stop procrastinating - the sooner you start, the bigger your balance will be later. Contributions Start with any amount, jus…

1
How to Read Your Tax Return 25:16

2+ y ago25:16

25:16

Welcome back to Powering Your Retirement Radio. I am Dan Leonard your host. In the last episode on Top 10 Tax Facts, you should know, I got a fair amount of downloads and got more comments than normal. In this episode, I thought I address how to read your tax return. As a financial advisor, I get asked, Why do you need to see my tax return? When I …

1
Top 10 Tax Facts You Should Know for 2022 21:16

2+ y ago21:16

21:16

Welcome back to Powering Your Retirement Radio. This week I am taking off my Investment Advisor, Certified Financial Planner™ hat, and putting on my Enrolled Agent, Marathon Tax Planning hat. I am going to share 10 Tax Facts for 2022. I recently attended a two-day, 16 hours of continuing education tax update session for my tax practice. To say it w…

1
7 ways to start the year off strong! 18:37

2+ y ago18:37

18:37

Hello, welcome back to Powering Your Retirement Radio. I'm your host, Dan Leonard. And this week, we'll look at 7 items to review to make sure you're starting the year off strong financially and on track for a great year. 1. 401k contributions Determine how much money you want to save for the year. The actual dollar amount. Divide that amount by yo…

1
Background and Principles 20:07

2+ y ago20:07

20:07

Hello, and welcome back to Powering Your Retirement Radio. I'm Dan Leonard, your host. This week I'm gonna go back to square one. After doing some consulting with some other podcasters and their podcasts, they said looking through your catalog of episodes; you don't really see anything on you. Everyone had some kind of an about me type of episode. …

1
Year End Checklists 25:33

2+ y ago25:33

25:33

In this episode, I will walk you through a year-end checklist. There are checklists everywhere in the financial press and on social media of things you should do to lower taxes, lose weight, save money, and do anything else people want. Most people take a quick look and say to themselves; I know that, or I have that covered. Thankfully, many people…

1
The value of a liberal arts degree and how to measure success! 21:39

2+ y ago21:39

21:39

Welcome back to Powering Your Retirement Radio. Today, we're going to continue our conversation about college planning and colleges in general with my good friend, Dr. Bryon L. Grigsby, who I've known since we were high school classmates, college roommates, and many other things throughout our lives. Bryon is the President of Moravian University in…

1
Affording College 11:25

2+ y ago11:25

11:25

Welcome back to Powering Your Retirement Radio. Today, we're going to talk about college planning, and I've been looking forward to this show because I get to interview my lifelong friend and college roommate, Dr. Bryon L Grigsby. Bryon happens to be the President of Moravian University in Bethlehem, Pennsylvania. Bryon is one of the few university…

1
MEGA Qualified Charitable Distributions 9:15

2+ y ago9:15

9:15

Welcome back to Powering Your Retirement Radio. In this episode, I will explain the MEGA QCD and why the opportunity goes away on New Year's Eve. QCD stands for Qualified Charitable Distribution. Thanks to America's IRA expert Ed Slott for sharing this information in his Fall gathering of his Elite and Masters Elite Groups. I am a member of his Eli…

1
5 Ways to Fix Social Security 15:28

2+ y ago15:28

15:28

42% of working Americans surveyed by Pew Research in December of 2018 said they fear they would receive zero benefits from Social Security. Social Security Trustees announced at the end of August this year that in 2033 unless changes are made, Social Security benefits would drop to 75% of their promised initial amounts. 50% of receipts rely on Soci…

1
What is the best age to claim Social Security? 9:39

3y ago9:39

9:39

Welcome back to Powering Your Retirement Radio. This week we are going to talk about when to claim Social Security. This is basically your claiming decision. We discussed this before, but I still get many questions about the best time to collect. Like most things, the correct answer is it depends. It is a simple math problem if you happen to know w…

1
Social Security Spousal Benefits 12:22

3y ago12:22

12:22

Hello, and welcome back to Powering Your Retirement Radio. This week I will answer a question on spousal benefits from Social Security. I received a call from someone making sure their parent received the correct amount from Social Security. I will define a few terms and then wrap them all together to answer the question. Social Security Benefits T…

1
Social Security Clawback 11:20

3y ago11:20

11:20

Hello, and welcome back to Powering Your Retirement Radio. I am Dan Leonard, your host, and a PG&E Retirement Specialist. This week, we will talk about the Social Security clawback, which happens when you earn money and draw Social Security benefits before Full Retirement Age. What is a PG&E Retirement Specialist? I receive a question, “What is a P…

1
Your Social Security Payment equals Primary Insurance Amount 14:30

3y ago14:30

14:30

Hello, and welcome back to Powering Your Retirement Radio! Today we will talk about how your Primary Insurance Amount is calculated. I will try not to bore you, but there are many factors you need to understand. In addition, I will include several links to the Social Security website if you want to do a deeper dive. Your Primary Insurance Amount is…

1
6 Social Security mistakes & why people claiming at age 62 22:40

3y ago22:40

22:40

Ever wonder why people claim Social Security at age 62? Many people do, even though they should wait until age 70. Is it fear, greed, poor planning, or lack of knowledge? There are many mistakes people make, and I will touch on six other mistakes people often make. Welcome back to Powering Your Retirement Radio. I am your host Dan Leonard, and I am…

1
Social Security Fundamentals 20:40

3y ago20:40

20:40

Welcome back to Powering Your Retirement Radio. I am your host Dan Leonard, and I am a PG&E Retirement Specialist. Social Security is one of the most popular and confusing programs around. In Season two of Powering Your Retirement Radio, I will talk about Social Security Fundamentals. In addition, we will cover claiming, spousal benefits, delayed r…

1
Ways to manage your 401(k) 15:17

3y ago15:17

15:17

This is the 8th Episode and the end of Season 1. The first 8 Episodes have been focused on the PG&E 401(k). Today, I will cover the different ways to manage your 401(k) investments. Then we'll discuss your options if you have a 401(k) from a former employer. How you manage your 401(k) can be a frustrating subject. So why is it people struggle with …

1
How much will you have saved for retirement? 21:19

3y ago21:19

21:19

How much you will have saved for retirement is a mystery to most people. The key is it is a number you can calculate. But you have to be comfortable making some assumptions. I’ll address several questions: What is an average 401k balance at retirement? Is it too late to catch up? How much should I save? How do I figure out how much I will have? Wha…

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