#businessowners #moneyandmortgages #financialplanning In this episode, host Adam Coleman interviews Kelly Berenbaum, a Certified Financial Planner™ and founder of Blue Tree Financial, about financial considerations for business owners. They discuss Kelly's flat fee financial planning model, tailored specifically for business owners, and the advantages it offers over traditional asset management. Kelly shares her insights on the importance of business entity structures, retirement planning options, and exit strategies. They also explore tax planning differences between business owners and W2 employees, and the significance of treating a business as a primary asset while balancing personal financial goals. Kelly emphasizes the need for business owners to plan holistically and engage the right professionals to achieve their financial objectives. To learn more about Kelly's firm visit: https://bluetreefi.com/ 00:00 Introduction and Guest Welcome 00:38 Kelly's Journey to Financial Planning for Business Owners02:18 Flat Fee Financial Planning Model 04:18 Exit Planning for Business Owners 06:05 Financial Planning Advantages for Business Owners 08:19 Balancing Business Investments and Personal Finances 12:20 Tax Planning for Business Owners vs. W2 Employees 18:09 Retirement Plans for Business Owners 25:03 Exit Strategies and Final Advice 28:13 Conclusion and Contact Information Follow Me for more tips on all things Mortgage and Personal Finance: https://adamcolemanmortgage.com/ https://adamcolemanfinance.com/ https://www.facebook.com/AdamColemanFinance https://www.instagram.com/adam.coleman.finance https://www.linkedin.com/in/adamcoleman37 https://www.youtube.com/@adam.coleman.finance Disclaimer: The information provided is for general informational purposes only and should not be construed as financial, legal, or tax advice. Always consult with a qualified professional before making any financial, legal, or tax-related decisions.

#financialwindfall #moneyandmortgages #financialplanning In this episode, host Adam Coleman chats with Pam Friedman, a Certified Financial Planner™ from Austin, Texas, about the intricacies of handling windfalls—a sudden influx of significant money. Pam shares insights from her years of financial planning experience, discussing scenarios like unexpected bonuses, inheritance, and the financial aftermath of divorce or widowhood. The conversation covers essential steps to take when receiving a windfall, the importance of having a trusted financial advisor, ways to avoid common pitfalls, managing taxes, and making sound financial decisions during emotionally charged times. Pam also highlights useful resources, including her own book, 'Financially Fit Divorce,' providing practical advice for navigating financial changes. To learn more about Pam's divorce financial planning firm visit: https://divorceplanningofaustin.com/ For Pam's latest book visit: https://www.amazon.com/Financially-Fit-Divorce-Negotiate-Financial/dp/B0BHNC8HTC 00:00 Introduction 00:35 Pam's Background and Expertise01:07 Understanding Windfalls: Definitions and Types 02:24 Planning for Windfalls: The Importance of Financial Advice 05:48 Navigating Divorce and Widowhood 06:45 First Steps in Managing a Windfall 17:26 Avoiding Common Pitfalls 20:45 Final Thoughts Follow Me for more tips on all things Mortgage and Personal Finance: https://adamcolemanmortgage.com/https://adamcolemanfinance.com/ https://www.facebook.com/AdamColemanFinance https://www.instagram.com/adam.coleman.finance https://www.linkedin.com/in/adamcoleman37 https://www.youtube.com/@adam.coleman.finance General Disclaimer: The information provided is for general informational purposes only and should not be construed as financial, legal, or tax advice. Always consult with a qualified professional before making any financial, legal, or tax-related decisions. Pam's Disclaimer: Investment advisory services offered through Robertson Stephens Wealth Management, LLC, an SEC-registered investment advisor.

#debtmanagement #moneyandmortgages #debtfree In this episode, host Adam Coleman and Jen Swindler delve into effective debt management strategies. We highlight understanding debt types, prioritizing repayment, and considering interest rates. The conversation covers federal loan consequences, debt avalanche method, debt consolidation, psychology, 401k loans, bankruptcy, and seeking advice from Accredited Financial Counselors (AFC®) or fee-only financial planners. 00:00 Introduction to Debt Management Strategies 01:02 Understanding Different Types of Debt 02:23 Strategies for Prioritizing Debt Repayment 03:10 The Impact of Interest Rates on Debt Repayment 09:10 Debt Consolidation and Management Techniques 13:13 Navigating Debt Settlement and Bankruptcy 22:21 Retirement and Debt: Strategies and Considerations 25:53 First Steps Towards Debt Repayment and Finding Help 27:57 Closing Thoughts and Contact Information Follow Me for more tips on all things Mortgage and Personal Finance: https://adamcolemanmortgage.com/ https://adamcolemanfinance.com/ https://www.facebook.com/AdamColemanFinance https://www.instagram.com/adam.coleman.finance https://www.linkedin.com/in/adamcoleman37 https://www.youtube.com/@adam.coleman.finance Disclaimer: The information provided is for general informational purposes only and should not be construed as financial, legal, or tax advice. Always consult with a qualified professional before making any financial, legal, or tax-related decisions.

#retirementplanning, #taxplanning, #moneyandmortgages In this episode, Adam Coleman hosts Certified Financial Planner and founder of DS Financial Strategies, Don Santoriello, to discuss strategies for retiring in the 0% tax bracket. They cover current tax brackets, the impact of future tax rate changes, and the importance of tax-efficient retirement planning. Santoriello emphasizes the need for strategic placement of funds into taxable, tax-deferred, and tax-free accounts, leveraging Roth conversions, life insurance retirement plans, and health savings accounts (HSAs) to minimize taxes. The discussion also delves into managing Medicare premiums, Social Security taxation, and the potential benefits of Roth conversions at various life stages. For more information on Dawn, check out her website: https://www.dsfinancialstrategies.com/ 00:00 Introduction to Retiring Tax-Free 00:59 Understanding the 0% Tax Bracket Concept 01:18 Tax Brackets and Future Predictions 03:16 Strategies for Achieving a 0% Tax Bracket in Retirement 03:30 Utilizing Taxable, Tax-Deferred, and Tax-Free Buckets 07:34 The Role of Roth Conversions and Life Insurance 13:42 Addressing Common Concerns and Misconceptions 17:54 Maximizing Health Savings Accounts (HSAs) 20:35 Strategic Roth Conversions and Medicare Considerations 23:02 Social Security Strategy and Final Thoughts 25:54 Contact Information and Closing Remarks Follow Me for more tips on all things Mortgage and Personal Finance: https://adamcolemanmortgage.com/ https://adamcolemanfinance.com/ https://www.facebook.com/AdamColemanFinance https://www.instagram.com/adam.coleman.finance https://www.linkedin.com/in/adamcoleman37 https://www.youtube.com/@adam.coleman.finance Disclaimer: The information provided is for general informational purposes only and should not be construed as financial, legal, or tax advice. Always consult with a qualified professional before making any financial, legal, or tax-related decisions.

#reversebudgeting #moneyandmortgages #personalfinance In this podcast episode, host Adam Coleman talks with Certified Financial Planner David Wanya about the concept of reverse budgeting, a departure from traditional budgeting methods that focuses on 'paying yourself first'—allocating money to savings and investment before spending the remainder. They discuss how reverse budgeting encourages automatic saving to meet financial goals such as retirement or handling variable income, the importance of automation in maintaining the savings pace, and tools like Monarch money and YNAB to support budgeting efforts. The conversation also covers strategies for managing debt within the reverse budgeting framework and emphasizes the flexibility and personalized approach required when dealing with varying income levels or big-ticket expenses. For more information on David, check out his website: https://www.finsyn.com/team/david-wanja/ 00:00 Introduction to Reverse Budgeting with David Wanya 00:56 Defining Reverse Budgeting vs. Traditional Budgeting 02:05 Optimal Savings Percentages and Adjusting for Personal Goals02:45 Incorporating Employer Matches and Equity Compensation into Savings 05:11 The Role of Automation in Effective Budgeting 07:18 Choosing the Right Budgeting Tools: Monarch Money vs. YNAB 09:45 Prioritizing Debt Repayment in Your Budgeting Strategy 12:55 Adjusting Budgets for Big Ticket Purchases and Variable Incomes 14:03 Common Mistakes and Final Thoughts on Reverse Budgeting Follow Me for more tips on all things Mortgage and Personal Finance: https://adamcolemanmortgage.com/https://adamcolemanfinance.com/ https://www.facebook.com/AdamColemanFinance https://www.instagram.com/adam.coleman.finance https://www.linkedin.com/in/adamcoleman37 https://www.youtube.com/@adam.coleman.finance Disclaimer: The information provided is for general informational purposes only and should not be construed as financial, legal, or tax advice. Always consult with a qualified professional before making any financial, legal, or tax-related decisions.

#moneyandmortgages #DivorceLending #CDLP In this episode, we flip the script a little and instead of me asking my guest questions, she's the one interviewing me. My guest host is Kelly Myers, a Certified Divorce Coach, Mediator,, and founder of First Steps Divorce asks me all about the role of a Certified Divorce Lending Professional®. How is it different from a traditional mortgage broker? What are some of the key considerations people should think about when going through a divorce and trying to figure out what options they have to keep the house or buy a new one? For more information on Kelly, check out her website: https://firststepsdivorce.com/ For more information on Adam and divorce lending, check out: https://adamcolemanmortgage.com/divorce 00:00 Introduction to Divorce Mortgage Challenges 00:45 The Importance of Early Involvement of Divorce Mortgage Specialists 01:02 Traditional vs. Divorce-Specific Mortgage Lending 02:40 The Critical Role of a Support Team in Divorce 04:07 Unique Benefits of Working with a Divorce Mortgage Specialist 05:56 Navigating Financial Planning and Mortgage Qualification Post-Divorce 07:32 Creative Solutions and Negotiation Strategies in Divorce Settlements 11:13 Reaching Out for Professional Help: Contact Information and Resources 11:49 The Value of Early Consultation and Resources for Those Considering Divorce 13:23 Conclusion and Final Thoughts Follow Me for more tips on all things Mortgage and Personal Finance: https://adamcolemanmortgage.com/ https://adamcolemanfinance.com/ https://www.facebook.com/AdamColemanFinance https://www.instagram.com/adam.coleman.finance https://www.linkedin.com/in/adamcoleman37 https://www.youtube.com/@adam.coleman.finance Disclaimer: The information provided is for general informational purposes only and should not be construed as financial, legal, or tax advice. Always consult with a qualified professional before making any financial, legal, or tax-related decisions.

#moneyandmortgages #RetireWhileYouWork #financialindependence Adam Coleman is joined by Myles Zueger, Certified Financial Planner™ with Adams Wealth Management. They discuss the firm's innovative approach to retirement, encapsulated in their slogan 'Retire While You Work'. This concept, inspired by the founder David Adams, challenges the traditional retirement route of working until 65 and then pursuing hobbies and travel. Miles explains how the approach seeks to integrate enjoyment and purpose into one's career, allowing for a fulfilling life without waiting for retirement. The conversation delves into practical advice for achieving this lifestyle, including understanding individual financial goals, maximizing flexible work arrangements, and ensuring healthcare coverage. Miles provides real-world examples of clients who have successfully navigated this path, highlighting the importance of planning and living a life aligned with one's values and priorities. For more information on Myles, check out his website: https://adamswealthpartners.com 00:00 Introduction to the Concept of 'Retire While You Work' 01:10 The Philosophy Behind 'Retire While You Work' 02:30 Comparing 'Retire While You Work' to the FIRE Movement 04:35 Uncovering Clients' True Desires and Planning for Retirement 07:57 Real-World Success Stories of 'Retire While You Work' 12:48 Navigating the Transition: Advice and Pitfalls 24:32 Conclusion and Contact Information Follow Me for more tips on all things Personal Finance: https://adamcolemanmortgage.com/ https://adamcolemanfinance.com/ https://www.facebook.com/AdamColemanFinance https://www.instagram.com/adam.coleman.finance https://www.linkedin.com/in/adamcoleman37 https://www.youtube.com/@adam.coleman.finance Disclaimer: The information provided is for general informational purposes only and should not be construed as financial, legal, or tax advice. Always consult with a qualified professional before making any financial, legal, or tax-related decisions.

#moneyandmortgages #RothConversions #financialplanning Adam Coleman is joined by Bill Nugent, Certified Financial Planner™ and founder of Convey Wealth Management, to unravel the complexities of Roth conversions. Bill, with a rich background in financial planning and tax strategy, shares his expertise on how Roth conversions can maximize one's after-tax wealth for themselves and their heirs. The conversation covers the basics of Roth conversions, the benefits, ideal timing based on age and income levels, and the process involved. We also explore scenarios where Roth conversions may not be advisable, the role of tax brackets, and real-world examples showcasing significant tax savings through strategic Roth conversions. Furthermore, Bill highlights how Roth conversions play into broader financial planning, including considerations regarding asset allocation and charitable donations. Bill Nugent also provides insights into the tools and software used for financial planning and strategies for individuals without access to sophisticated planning software. For more information on Bill, check out his website: https://www.conveywealth.com/ 00:00 Introduction to Roth Conversions with Expert Insights 00:34 Bill Nugent's Background and Expertise in Financial Planning 01:40 Understanding Roth Conversions: Basics and Benefits 03:44 When to Consider a Roth Conversion: Age vs. Income 07:28 Strategic Considerations and Potential Pitfalls of Roth Conversions 17:36 The Process of Executing a Roth Conversion 19:42 DIY Financial Planning for Roth Conversions 25:48 Real-World Impact of Roth Conversions: A Case Study 27:58 Conclusion and Contact Information Follow Me for more tips on all things Personal Finance: https://adamcolemanmortgage.com/https://adamcolemanfinance.com/ https://www.facebook.com/AdamColemanFinance https://www.instagram.com/adam.coleman.finance https://www.linkedin.com/in/adamcoleman37 https://www.youtube.com/@adam.coleman.finance Disclaimer: The information provided is for general informational purposes only and should not be construed as financial, legal, or tax advice. Always consult with a qualified professional before making any financial, legal, or tax-related decisions.

#moneyandmortgages #homebuying #homeownership In this episode, Adam Coleman hosts Sarah Cuddy, a Certified Financial Planner with Robert W Baird. We delve into crucial considerations for potential and existing homeowners, such as determining how much house one can afford, understanding housing ratios, and the importance of budgeting for maintenance, renovations, and unforeseen expenses. Sarah shares valuable insights on the difference between what financial planners recommend versus what lenders might approve, emphasizing the critical nature of making informed decisions based on one's budget and long-term financial plan. The conversation also touches on considerations for both first-time buyers and those looking into second homes, including down payment strategies. Additionally, Adam and Sarah explore the dilemmas of buying versus renting and offer advice on when refinancing might make sense. The episode encapsulates the value of working with financial and mortgage experts to navigate the complexities of home buying and maintaining financial health. For more information on Sarah, check out her website: https://www.sarahcuddy.com/ 00:00 Welcome and Introduction to Home Buying Insights 01:01 Understanding Housing Ratios and Financial Planning 05:58 Navigating Renovation Costs and Maintenance Planning 10:19 Factoring in Additional Homeownership Costs 13:26 Strategizing Down Payments and Financial Planning 17:01 Determining Affordability and Financial Planning for Home Buying 20:02 To Buy or Rent? Making the Right Decision 23:37 Refinancing: When and Why? 27:04 Closing Thoughts and Expert Advice on Home Buying Follow Me for more tips on all things Personal Finance:https://adamcolemanmortgage.com/ https://adamcolemanfinance.com/ https://www.facebook.com/AdamColemanFinance https://www.instagram.com/adam.coleman.finance https://www.linkedin.com/in/adamcoleman37 https://www.youtube.com/@adam.coleman.finance Disclaimer: The information provided is for general informational purposes only and should not be construed as financial, legal, or tax advice. Always consult with a qualified professional before making any financial, legal, or tax-related decisions.

#donoradvisedfunds #charitablegiving #moneyandmortgages In this episode, host Adam Coleman and Austin Coley, Certified Financial Planner from McCollin Associates, discuss the importance and methods of incorporating charitable giving into financial plans, specifically with the use of donor-advised funds. For more information on Austin, check out his website: https://www.mccallandassociates.com/ 00:00 Introduction to Charitable Giving in Financial Planning 00:36 The Importance and Benefits of Charitable Giving 02:01 Understanding Tax Deductible Gifts 05:33 Maximizing Tax Benefits Through Charitable Giving 10:47 Deep Dive into Donor Advised Funds 26:29 Strategic Charitable Giving in Retirement 29:09 Closing Remarks and Contact Information Follow Me for more tips on all things Personal Finance: https://adamcolemanmortgage.com/ https://adamcolemanfinance.com/ https://www.facebook.com/AdamColemanFinance https://www.instagram.com/adam.coleman.finance https://www.linkedin.com/in/adamcoleman37 https://www.youtube.com/@adam.coleman.finance Disclaimer: The information provided is for general informational purposes only and should not be construed as financial, legal, or tax advice. Always consult with a qualified professional before making any financial, legal, or tax-related decisions. Opinions expressed in this video/podcast are those of Austin Coley and are not necessarily those of Raymond James Financial Services, Inc., or of Raymond James. All opinions are as of this date and are subject to change without notice. The information has been obtained from sources considered to be reliable, but Raymond James does not guarantee that the foregoing material is accurate or complete. Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. Investing involves risk and you may incur a profit or loss regardless of strategy selected. Donors are urged to consult their attorneys, accountants, or tax advisors with respect to questions relating to the deductibility of various types of contributions to a Donor-Advised Fund for federal and state tax purposes. To learn more about the potential risks and benefits of Donor-Advised Funds, please contact us.Neither Raymond James Financial Services or any Raymond James Financial Advisor renders advice on tax issues, these matters should be discussed with the appropriate professional.

#financialadvisorcompensation #financialadvisorfees #moneyandmortgages In this episode, Adam Coleman hosts Betsy Hutchins, a Certified Financial Planner and the founder of Forward Financial Planning. The conversation primarily focuses on understanding financial advisor compensation structures and distinguishing the difference between fee-only and fee-based advisors. Betsy emphasizes the importance of recognizing potential conflicts of interest based on how an advisor is compensated. They also discuss financial-industry designations, the value of a fiduciary standard, and the considerations one should make when choosing an advisor. Betsy advises listeners to take the time and effort to find the right advisor and cautions about hidden fees in fee-based structures. For more information on Betsy, check out her website: https://www.fwdfp.com/ 00:00 Introduction and Guest Presentation 00:16 Understanding Financial Advisor Compensation Structures 00:46 Guest's Journey into Financial Planning 03:28 Different Compensation Structures in Financial Advisory 03:58 Understanding Fee-based and Fee-only Financial Advisors 07:36 The Role of a Comprehensive Financial Planner 11:18 Understanding the Fee Structure of Financial Advisors 18:06 Choosing the Right Financial Advisor 22:59 Understanding the Fiduciary Standard in Financial Advisory 24:58 Choosing Between Large Institutions and Independent Firms 27:05 When to Consider a Fee-only Financial Planner 30:56 Steps to Switching to a Fee-only Financial Planner 33:04 Conclusion and Contact Information Follow Me for more tips on all things Personal Finance: https://adamcolemanmortgage.com/ https://adamcolemanfinance.com/ https://www.facebook.com/AdamColemanFinance https://www.instagram.com/adam.coleman.finance https://www.linkedin.com/in/adamcoleman37 https://www.youtube.com/@adam.coleman.finance Disclaimer: The information provided is for general informational purposes only and should not be construed as financial, legal, or tax advice. Always consult with a qualified professional before making any financial, legal, or tax-related decisions.

#bitcoin #cryptoinvesting #moneyandmortgages Host Adam Coleman talks with Certified Financial Planner and founder of Intentional Living, Jim Crider, about the potentials and drawbacks of integrating Bitcoin and other cryptocurrencies into personal financial portfolios. Crider gives an in-depth discussion about the history and concept of money, the notion of Bitcoin as a form of currency, and the mechanisms through which Bitcoin functions. He also discusses the tax implications of investing in Bitcoin and shares his reservations about diversifying within the crypto space. Throughout the conversation, Crider stresses the importance of education and understanding Bitcoin in order to form a strong investment conviction. For more information on Jim and his firm: https://www.intentionallivingfp.com/ 00:15 Introduction and Guest Presentation 01:33 Understanding the Concept of Money 03:07 The History of Money and its Evolution 03:56 The Intrinsic Value of Cryptocurrency 04:49 The Importance of a Healthy Money System 10:57 The Scarcity and Value of Bitcoin 13:08 The Uniqueness of Bitcoin Over Other Cryptocurrencies 15:45 The Possibility of New Cryptocurrencies 17:14 Addressing Bitcoin Misconceptions 17:50 Understanding Bitcoin's Decentralized Nature 18:33 Bitcoin and Country Bans 19:06 Who is Bitcoin For? 19:17 Integrating Bitcoin into Financial Planning 21:15 Educating Clients about Bitcoin 22:42 Understanding Bitcoin as an Investment 23:27 Addressing Bitcoin's Volatility 28:01 Bitcoin and Tax Implications 32:31 Bitcoin ETFs and Their Impact 33:01 Closing Remarks Follow Me for more tips on all things Personal Finance https://adamcolemanmortgage.com/ https://adamcolemanfinance.com/ https://www.facebook.com/AdamColemanFinance https://www.instagram.com/adam.coleman.finance https://www.linkedin.com/in/adamcoleman37 https://www.youtube.com/@adam.coleman.finance Disclaimer: The information provided is for general informational purposes only and should not be construed as financial, legal, or tax advice. Always consult with a qualified professional before making any financial, legal, or tax-related decisions.

#Realestateinvesting #Personalfinance #moneyandmortgages In this interview, Adam Coleman takes a deep dive into the world of real estate investing with Kevin Lau, a Certified Financial Planner and founder of Imagine Financial Security. Kevin shares his journey into the financial industry and personal journey into real estate investing. He discusses essential aspects of real estate investing including audiences best suited for this investment, key tax considerations and common mistakes to avoid. He also advises on the benefits of converting a primary home into a rental property and shares insights about investing in short-term rentals. Moreover, he emphasizes the importance of not following the crowd and doing one's own research in real estate investment. For more information on Kevin and his firm: https://imaginefinancialsecurity.com/ Couple other helpful links about our conversation: https://warrenaverett.com/insights/real-estate-professional-tax-status/ https://www.gma-cpa.com/blog/real-estate-investing-passive-vs-active-income 00:15 Introduction 00:47 Journey into Financial Planning 02:33 Personal Experience and Approach to Real Estate Investing 03:10 Diving into Real Estate Investing 04:30 Exploring Different Ways to Invest in Real Estate 06:28 The Role of Real Estate in Building Wealth 06:41 Transitioning from Primary Residence to Rental Property 16:36 Comparing Real Estate Investing with Traditional Investments 20:51 Tax Considerations in Real Estate Investing 25:17 Getting Started in Real Estate Investing 29:12 Avoiding Common Mistakes in Real Estate Investing 31:14 Conclusion and Contact Information Follow Me for more tips on all things Personal Finance https://adamcolemanmortgage.com/ https://adamcolemanfinance.com/ https://www.facebook.com/AdamColemanFinance https://www.instagram.com/adam.coleman.finance https://www.linkedin.com/in/adamcoleman37 https://www.youtube.com/@adam.coleman.finance Disclaimer: The information provided is for general informational purposes only and should not be construed as financial, legal, or tax advice. Always consult with a qualified professional before making any financial, legal, or tax-related decisions.

#BackDoorRoth #RothIRA #moneyandmortgages Adam Coleman and Joe Dewar dive into the concept and procedures for backdoor Roth contributions. Joe, a Certified Financial Planner and CPA with Mezzasalma Advisors in New Jersey, outlines the eligibility requirements for backdoor Roth strategies, the possible tax implications, as well as alternative strategies. The discussion also includes guidance on how to properly navigate various tax forms and considerations, including the pro rata rule. For more information on Joe: https://mezzcpa.com/ 00:00 Introduction and Guest Presentation 00:24 Understanding Backdoor Roth Contributions 00:34 Exploring the Role of a Financial Planner 01:55 Deep Dive into Backdoor Roth Contributions 03:10 Eligibility and Considerations for Backdoor Roth 09:35 Income Restrictions and Traditional IRA vs Roth IRA 18:12 Understanding the Pro Rata Rule 23:19 Steps to Take for a Backdoor Roth Contribution 32:47 Alternative Strategies to Backdoor Roth 36:09 Conclusion and Contact Information Follow Me for more tips on all things Personal Finance https://adamcolemanmortgage.com/ https://adamcolemanfinance.com/ https://www.facebook.com/AdamColemanMortgage1 https://www.instagram.com/adam.coleman.mortgage/ https://www.linkedin.com/in/adamcoleman37 https://www.youtube.com/@adam.coleman.finance Disclaimer: The information provided is for general informational purposes only and should not be construed as financial, legal, or tax advice. Always consult with a qualified professional before making any financial, legal, or tax-related decisions.

#Financialadvisors #PersonalFinance #moneyandmortgages Adam Coleman interviews Chris Mansky, President of Mansky Wealth Management and author of the book, 'Outsmart the Money Magicians'. They discuss key questions that potential clients should ask before hiring a financial advisor. For more info on Chris and his firm visit: https://manskewealth.com/ To check out his latest book visit https://www.amazon.com/dp/1265432961 00:00 Introduction 03:55 Question 1 08:47 Question 2 11:49 Question 3 13:06 Question 4 14:01 Question 5 15:42 Question 6 17:15 Question 7 20:34 Question 8 22:23 Question 9 24:48 Question 10 26:20 Question 11 27:05 Question 12 29:32 Question 13 30:31 Question 14 32:22 Conclusion and Final Thoughts Disclaimer: The information provided is for general informational purposes only and should not be construed as financial, legal, or tax advice. Always consult with a qualified professional before making any financial, legal, or tax-related decisions.

#moneyandmortgages #retirementplanning #4percentrule In this podcast episode, host Adam Coleman talks with Marcus Fryar of Fryar Financial, about retirement planning. They explore the concept of determining the amount needed to retire comfortably, the importance of setting financial goals, and the advantages of starting retirement planning early. For more information on Marcus and his firm visit: https://www.fryarfinancial.com/ 00:15 Introduction to Retirement Planning 01:01 How Much Do You Need to Retire? 01:17 The Role of Financial Planning Software 02:20 The Importance of Early Retirement Planning 02:34 Adjusting Retirement Plans as You Approach Retirement 03:36 The Three Categories of Retirement Planning 04:14 Planning for Big Ticket Items 06:25 The 4 Percent Rule 10:39 The Role of Financial Advisors 22:11 The Importance of Sector Rotation Strategy 23:15 Final Thoughts on Retirement Planning Disclaimer: The information provided is for general informational purposes only and should not be construed as financial, legal, or tax advice. Always consult with a qualified professional before making any financial, legal, or tax-related decisions.

In this discussion, host Adam Coleman talks with Ann Kreindler-Siegel, a psychotherapist and divorce coach, about her roles in the divorce process. or more info on Ann, visit her website: http://www.gently-transition.com/ 00:00 Introduction 00:22 Journey into Divorce Coaching 01:40 Difference between Divorce Coaching and Therapy 02:44 Role of a Divorce Coach in the Divorce Process 03:29 Separation of Therapy and Coaching Roles 05:24 Frequency of Meetings in Divorce Coaching 06:24 Understanding the Collaborative Divorce Process 06:41 Types of Divorce Processes 08:38 Role of a Coach in the Collaborative Divorce Process 12:19 Benefits of Virtual Sessions in Divorce Coaching 13:57 Sequence of Events in the Collaborative Divorce Process 16:52 Closing Ceremony in the Collaborative Divorce Process 17:45 Duration of the Collaborative Divorce Process 18:38 Key Components of the Divorce Team 26:41 Cost Implications of the Collaborative Divorce Process 28:56 Final Thoughts and Contact Information Disclaimer: The information provided is for general informational purposes only and should not be construed as financial, legal, or tax advice. Always consult with a qualified professional before making any financial, legal, or tax-related decisions.

Host Adam Coleman interviews Kristen Hilty, a Certified Divorce Financial Analyst (CDFA) with Smarter Divorce Solutions. They discuss the role of CDFAs in the divorce process, how it differs from the duties of traditional financial advisors, and the importance of using a trained professional when navigating through financial matters in a divorce. For more info on Kristen, visit her website: https://smarterdivorcesolutions.com/ 00:00 Introduction and Guest Introduction 00:30 Kristen's Journey into Divorce Financial Planning 02:21 The Importance of Divorce Financial Planning 02:41 The Role of a Certified Divorce Financial Analyst (CDFA) 03:38 The Difference Between Traditional Financial Advisors and Divorce Financial Planners 06:15 The Importance of Budgeting and Debt Payoff in Divorce Financial Planning 08:37 The Use of Software in Divorce Financial Planning 10:46 The Role of a Financial Neutral in Divorce 14:10 The Importance of Building a Strong Divorce Team 16:30 The Consequences of Not Having a Divorce Financial Advisor 19:43 Final Thoughts and Advice for Those Going Through Divorce 22:54 Contact Information and Services Offered Disclaimer: The information provided is for general informational purposes only and should not be construed as financial, legal, or tax advice. Always consult with a qualified professional before making any financial, legal, or tax-related decisions.

Join my discussion with Mike Sherman, CPA, CDFA®, CFP®, and founder of Sherman Wealth Solutions, as he provides insights into Collaborative Divorce and the role of a financial neutral. For more info on Mike, check out his website: https://shermanws.com 00:00 Intro 01:44 Mike's role in the divorce process 04:24 Software 06:06 Financial Neutral 08:25 Tax Implications 12:35 Collaborative Divorce 14:29 Health Insurance 16:07 Divorce Team members 17:51 Types of divorce 20:09 Fee Structure 22:03 Final Thoughts

I sit down again with Doug Tees, CFP® with the Jason Howell Company and we discuss key items on the annual financial checklist that everyone should track to stay on top of their finances. For more info on Doug: https://www.jasonhowell.com/our-team/douglas-w-tees 00:00 Introduction 00:33 Meeting Frequency 00:56 Annual Mortgage Review 01:20 Yearly Financial Checklist 02:55 Recommended Times of the Year 05:49 Structure of Meetings 09:43 Pre-Planning for Meetings 10:25 Additional Focus Areas 13:20 Final Thoughts 14:43 Contact Information Disclaimer: The information provided is for general informational purposes only and should not be construed as financial, legal, or tax advice. Always consult with a qualified professional before making any financial, legal, or tax-related decisions.