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Sharing valuable insight to help families clearly understand how to navigate the tedious, college application and scholarship process. The podcast episodes will cover material in the Pre-College To Do List book which is a step by step guide on college admissions, applications, scholarship strategies, how to develop a compelling essay, competitive academic/ scholarship resume and MORE! Also, the College and Scholarship Help Parent Planning Workbook and College Application ToolKit are also ava ...
 
Your REAL personal finance questions answered by CERTIFIED FINANCIAL PLANNER™ professionals, Scott Frank and James Conole. With all of the misinformation and jargon in the financial industry, it's no wonder most people are confused about how to best manage their money. James and Scott are here to give clear answers to the important questions they hear most often. If you're ready to use your finances to create a more secure financial future, this show is for you.
 
Patrick A. Strubbe, ChFC, CLU, RFC is the founder and owner of Preservation Specialists, LLC. He has been helping clients with their financial futures since 1997. Pat has been featured as a retirement expert in USA Today and on WIS-NBC TV with Dawndy Mercer Plank. He’s also been featured in Investors Business Daily. Pat is also the author of the Amazon.com best-selling book, “Save Your Retirement!” Featuring seven nasty villains, Pat’s down-to-earth humor and expertise shines through his Sup ...
 
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show series
 
In the following episode, BJ sits down with Jilian Breeden, the Founder and President of Engage Federal LLC (Engage), a woman-owned small business (WOSB) located in the Washington DC area specializing in data-driven, results-focused facilities planning services. Jilian has two decades of planning and programming experience, primarily supporting fed…
 
Scott and James discuss how to save for a home in this crazy real estate market. Planning Points Discussed Retirement Planning Utilizing Time Efficiently Capital Appreciation Purchasing Power Other issues (IRAs, Inflation, Financial Goals, etc.) Timestamps: 1:30 - Listener Question 3:30 - Retirement Accounts 5:25 - Cost Basis Example 7:50 - Diversi…
 
In the following episode, BJ sits down with MCFA’s Chief Operations Officer, Brian Pieplow. In addition to serving as the COO, Brian’s the Senior Program Manager and Principal Planner, responsible for leading a team of highly collaborative and innovative specialists in integrating resiliency in planning and design, and developing public-private ven…
 
Scott and James discuss the pros and cons of moving to another state to save money in order to retire early. Planning Points Discussed Retirement Planning Capital Appreciation Purchasing Power Other issues (IRAs, Inflation, Financial Goals, etc.) Timestamps: 1:30 - Listener Question 2:25 - Savings Rates 3:30 - Moving For Financial Reasons 7:00 - Lo…
 
In the following interview, BJ sits down with Jill Jamieson, President & CEO of Illuminati Infrastructure Advisors. They discuss Jill’s amazing path to becoming an internationally recognized expert on Infrastructure Finance & Public Private Partnerships. Resources mentioned in this episode:Benjamin Hoff: “The Tao of Pooh”https://www.whitehouse.gov/…
 
Any time is a good time to break a bad habit. Whether you want to make improvements in your routine at home, your job performance at work, with your physical health or your financial health, the time to make a positive change for your future…is right now. Join us as we discuss how this could improve your retirement plans.…
 
Scott and James discuss how best to balance debt paydown, savings, and long-term investing. Planning Points Discussed Retirement Planning Capital Appreciation Purchasing Power Other issues (IRAs, Inflation, Financial Goals, etc.) Episodes mentioned: Episode 72: Better Investor Series: Understanding Asset Allocation Episode 93: Should I Front Load R…
 
In the following interview, BJ sits down with his friend and mentor, Wes Guckert. Wes is the Founder & CEO of The Traffic Group, one of the nation's leading traffic engineering, transit, and transportation planning firms. He is an expert in traffic engineering and transportation planning – a technical adviser in traffic analysis, traffic signal des…
 
"You might be celebrating the balance you’ve accumulated over the years in your retirement accounts. But not so fast. Don’t forget about your silent partner … Uncle Sam. After his cut, your net worth might not be as high as you thought it was. This week we’ll talk taxes and a very special guest joins the show to discuss Pat’s new book, The Retireme…
 
Scott and James discuss whether or not you should give your 4 year old a credit card. Planning Points Discussed Retirement Planning Utilizing Time Efficiently Capital Appreciation Purchasing Power Other issues (IRAs, Inflation, Financial Goals, etc.) Timestamps: 1:30 - Listener Question 3:05 - Determining Your Credit Score 6:20 - Credit Utilization…
 
In this episode, BJ sits down with James Haggerty, SVP of VIVAMEE Hospitality. James’ career focuses on construction management, design, and architecture, primarily in the hospitality market. Notably, he served as Director, Design + Construction of Choice Hotels, and managed the design and development of their segment-redefining upscale brand prope…
 
"2021 is a big year for people who are turning 72. It’s time for their first required minimum distributions. Plus, the temporary suspension of required minimum distributions is over, so everyone needs to make sure they follow they take an RMD in 2021. Today on Save Your Retirement we’ll talk about what you need to understand about your retirement a…
 
Scott and James discuss what to do when you have "too much cash". Planning Points Discussed Retirement Planning Utilizing Time Efficiently Capital Appreciation Purchasing Power Other issues (IRAs, Inflation, Financial Goals, etc.) Timestamps: 1:30 - Celebration of 100,000 downloads 3:30 - Rationality of Investing 5:45 - What's The Right Solution Fo…
 
In part two of our inaugural episode of Inspiring People & Places, we continue our conservation with Brigadier General (Ret.) Peter A. “Duke” DeLuca. If you haven't listened to part one yet, we strongly encourage you to do so. General DeLuca has 32 years of experience working in the U.S Army at all levels, from platoon to combatant command – having…
 
"Whether it’s the spread of a virus, an election, action from the federal government, or this recent trend of shareholder activism, just about anything can cause bumps in the markets. And if you don’t want those wild swings to potentially impact your retirement, you’re in the right place. On today’s episode we’ll talk about strategies to help bring…
 
Scott and James discuss when it's best for people to consider hiring a financial planner. Planning Points Discussed Retirement Planning Tax Planning Capital Appreciation Purchasing Power Other issues (IRAs, Inflation, Financial Goals, etc.) Episodes Mentioned Episode 56: What Is The Value Of Working With A Financial Planner? Episode 57: What Questi…
 
In this inaugural episode of Inspiring People & Places, we sat down with Brigadier General (Ret.) Peter A. “Duke” DeLuca. General DeLuca has 32 years of experience working in the U.S Army at all levels, from platoon to combatant command – having commanded an engineer battalion, a multi-service engineer brigade in combat, as well as two U.S. Army Co…
 
Scott and James discuss whether or not you should front load retirement accounts while you're young. Planning Points Discussed Retirement Planning Utilizing Time Efficiently Capital Appreciation Purchasing Power Other issues (IRAs, Inflation, Financial Goals, etc.) Timestamps: 1:30 - Listener Question 3:30 - Retirement Accounts 5:45 - Front-Loading…
 
"Do you think Americans are saving more money or less money in the time of Covid? We’ll tell you what analysts are seeing in saving habits among Americans. Plus, there are several reasons why you could see your taxes increase under the Biden Administration. We’ll talk about what could happen with taxes in the future and how you can create protected…
 
Listener Question: I'm a US citizen living abroad. I started listening to your podcast when I hit 30. Alas, it was time to get my ducks in a row. I've followed your advice to open an IRA and a few online CDs, I appreciate the gentle mindset shift your podcast has on me. Recently, when I told a friend I planned to contribute to my IRA, he warned me …
 
Listener Question How do immigrants should strategize investing when there is a real possibility of going back to home country because of work visa denial? Should we continue to invest in the states or invest offshore where we would retire? Thank you. I have been living in the United States for 11 plus years now. Because I am an immigrant, I did no…
 
"Interest rates are near record low levels. They’re so low, it may seem like you might as well just stuff your money under your mattress or stash it away in a cardboard box since it’s hardly earning anything. Today learn strategies for how retirees can generate income without risking their entire life savings in the stock market.www.SCPreservation.…
 
In this episode James and Scott discuss how to determine taxes owed on RSUs and ESPPs. Questions discussed: What are the tax implications of my stock options? When is the best time to exercise my options? How do I maximize my options? What is the best approach for my individual situation? Planning Points Discussed Tax Planning Retirement Planning P…
 
In this episode James and Scott discuss whether or not it's possible to overfund retirement, and what you can do to avoid doing so. Questions discussed: How much is enough when it comes to funding for retirement? When can I stop funding for retirement? What is the best approach for my individual situation? Planning Points Discussed Tax Planning Ret…
 
In this episode James and Scott discuss whether or not an MBA is worth it and how best to prepare financially. Questions discussed: Is an MBA worth it? What's the best way to prepare financially for an MBA? What are the benefits of an MBA? What do I want my MBA to do for me? Planning Points Discussed Personal Development Portfolio Management Aligni…
 
How do you plan for the future when there’s so much we don’t know? It’s the challenge that’s always been there, but it’s a lesson we’ve all had to learn with the uncertainty and turmoil of 2020. Plus, Gene Simmons “kissed” higher taxes goodbye this year and we’ll talk about how you can, too! All that and much, much more when you tune in to our next…
 
In this episode James and Scott discuss whether or not you should invest all at once (lump-sum) or invest smaller amounts over a period of time (dollar-cost average). Questions discussed: Should I invest when the market is at all-time highs? When is the best time to invest? What is the best approach for my individual situation? Articles Mentioned: …
 
In this episode James and Scott discuss whether or not you should apply extra cash to paying down the mortgage. Questions discussed: What should I do with extra cash? Should I apply extra cash to my mortgage or should I invest the cash? Is paying down the principal of my mortgage the most wise use of extra cash? How does paying down my mortgage imp…
 
In this episode James and Scott discuss Gamestop Stock, AMC, Reddit, Hedge Funds, and how to think about "hot" stocks as an investor. Questions discussed: Should I invest in GameStop, AMC, etc.? When do I know it's best to buy or sell? What does the halt of trading in Robinhood mean for the financial services industry? How much of my portfolio shou…
 
In this episode James and Scott discuss the difference between a Traditional IRA & Roth IRA and which may be ideal for you based on your individual situation. Questions discussed: Are you hoping to lower your taxable income today? Do you think your income will rise over the course of your lifetime? When does it make most sense to use a Roth IRA vs.…
 
Scott and James discuss 4 things you can do to invest in your personal and financial growth and outline the steps involved to reach them. Planning Points Discussed Retirement Planning Utilizing Time Efficiently Capital Appreciation Purchasing Power Other issues (IRAs, Inflation, Financial Goals, etc.) Timestamps: 3:35 - Investing: Time Horizon 5:54…
 
What is a sustainable withdrawal rate in retirement? To put it in simple terms, it depends. Today we explain where the 4% withdrawal rate comes from and how it may apply to you and your ability to retire without worry. From new investors to those more well-seasoned, we discuss which factors you should consider when deciding what withdrawal rate wil…
 
When it comes to the government’s response to COVID, are the relief packages too little? Too much? It’s still hard to say. There were good intentions with the stimulus relief packages, but when it comes to some of these temporary changes in the rules for your retirement accounts, you can’t forget there were strings attached. Plus, we’ll cover the b…
 
In this episode of the podcast, we have a listener question: I am about to come into a decent sum of money from selling a rental property. I’m 30 years old, invest 22 percent into my 401k (that has a balance of 45k currently). My plan was to invest this money in a total market index fund and an international index fund. Is this my best option? I al…
 
In this episode of the podcast, we have a listener question: Just heard your podcast on the target date funds and really appreciate the insight as I'd just rebalanced my 401k and pulled out of them because of the fees and my level of attention to my portfolio. From a financial management perspective, I'm a DIY-er with a blend of Boglehead and FIRE,…
 
In this episode James and Scott discuss their thoughts on how they implement change in both their personal and financial lives. It’s well known that just because something is simple doesn’t mean it will be easy. There are four questions to ask yourself when it comes to achieving your goals, both personally and financially. 1) What can you do? 2) Ho…
 
In this podcast episode, we have a listener question: Since interest rates are so low and the bond market is so much bigger than the equity market, what are a good mix of bonds for a portfolio with a lot of bonds? Should it only be high quality corporate or should it be some TIPS, CMO, or anything else? There are a lot of options for bonds. Plannin…
 
There are lots of mistakes people tend to make during a recession; and new government rules allowing more access to retirement accounts might prompt you to make a mistake you can’t undo. So whatever you do…DON’T make a major mistake with your money! Plus, we’ll go over the topics that NEED to be on your retirement planning list and the financial ta…
 
In this podcast episode, we have a listener question: I just recently found your podcast when I was looking for some info on mega-backdoor roths. Thanks for all the info, you guys really are a wealth of knowledge. In an older episode, where you guys were talking about asset locations, one of you mentioned that if you have dividend-paying stocks, yo…
 
In this week’s episode of Real Personal Finance, James and Scott discuss end of year tax planning. As the year comes to an end, we want to make sure your income and investments are in order. Whether you had a year of financial gain or financial loss we help you use that to your advantage, no matter your tax bracket. Time Stamps: 00:28 - Year-end ta…
 
We’re nearing the end of the third quarter of 2020 and most of us are over it. Can we just go ahead and move on to 2021 already? We’ll share some ideas about how 2021 could play out. And if you became a game show millionaire, could you really retire on what you won? We’ll answer that question, plus we’ll dive into our Save Your Retirement Mailbag.I…
 
In this podcast episode, we have a listener question: Husband/wife (70/69) both retired intending to down size. Debt free. Retirement assets are 1.7 mil (1.3 mil traditional ira/400 k Roth IRA). Monthly income before taxes (social security and pensions) is $7500. New home cost estimated at $400 k. Existing home to be sold after building new home ex…
 
In this episode James and Scott discuss their thoughts on Bitcoin and whether or not it belongs in your investment portfolio. They discuss: Traditional asset classes Alternative asset classes Risk vs growth potential Potential inflation hedges Considerations when adding new assets to your portfolio. LET'S CONNECT! James Facebook LinkedIn Website Sc…
 
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