PODCAST

Secure Your Retirement

Radon Stancil, CFP® & Murs Tariq, CFP®

Retirement is the plan. You worked hard to get where you are, now have a retirement that works hard for you. If you want to achieve… confidence, peace of mind, control of your future, a rock-solid income plan, financial freedom, and unrestricted options in retirement this show is the right one for you! Retirement is approaching and you can’t afford to make mistakes with your money. In the back of your mind, there are concerns about what happens if there is another financial downfall as you are getting closer to having the life you have always dreamed about. Radon Stancil, CFP®, and Murs Tariq, CFP® are dedicated to guiding you through knowing what questions to ask and what information to gather in order to feel 100% confident about your retirement plan. For more information visit: https://pomwealth.net/podcast

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How to Plan for Inflation in Retirement
4d ago
How to Plan for Inflation in Retirement
How does inflation affect your retirement? We’re currently experiencing high inflation due to a number of reasons and it’s only wise to know how to plan for it in retirement. In this episode of the Secure Your Retirement podcast, we talk about the current inflation rate, its causes, and how to protect yourself in retirement over a glass of Chardonnay la crema wine. We explain why the current inflation is short-term, why you should consider having an active retirement approach, and a Roth conversion. Listen in to learn how to have a worry-free retirement plan by ensuring you have the cash, growth, and income buckets. In this episode, find out: The low supply chain issues causing the current high inflation rate. Why you don’t need to be alarmed by the current high inflation because it’s short-term. How to protect yourself against inflation by having an active investment approach. The two scenarios that exist for you if your retirement plan is tight during inflation. Understanding past inflation data and why we believe it’s going to come back to normal. The different ways you can prepare your spending plan as a retiree during inflation. How to have a worry-free retirement plan by ensuring you have the cash, growth, and income buckets. Why you should consider a Roth conversion to have a tax-free vehicle to tap into in retirement. Talk to an advisor to understand the tax implication of a Roth conversion before going for one. Tweetable Quotes: “Having an active approach can get you out of harm's way in certain scenarios…rather than just having a buy and hold mentality.”- Murs Tariq “If you want to have a peace of mind retirement or a worry-free retirement plan, make sure that you have the cash, growth, and income buckets.”- Radon Stancil  Resources: If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement! To access the course, simply visit (POMWealth.net/podcast.)
How to Plan for Inflation in Retirement
4d ago
How to Plan for Inflation in Retirement
How does inflation affect your retirement? We’re currently experiencing high inflation due to a number of reasons and it’s only wise to know how to plan for it in retirement. In this episode of the Secure Your Retirement podcast, we talk about the current inflation rate, its causes, and how to protect yourself in retirement over a glass of Chardonnay la crema wine. We explain why the current inflation is short-term, why you should consider having an active retirement approach, and a Roth conversion. Listen in to learn how to have a worry-free retirement plan by ensuring you have the cash, growth, and income buckets. In this episode, find out: The low supply chain issues causing the current high inflation rate. Why you don’t need to be alarmed by the current high inflation because it’s short-term. How to protect yourself against inflation by having an active investment approach. The two scenarios that exist for you if your retirement plan is tight during inflation. Understanding past inflation data and why we believe it’s going to come back to normal. The different ways you can prepare your spending plan as a retiree during inflation. How to have a worry-free retirement plan by ensuring you have the cash, growth, and income buckets. Why you should consider a Roth conversion to have a tax-free vehicle to tap into in retirement. Talk to an advisor to understand the tax implication of a Roth conversion before going for one. Tweetable Quotes: “Having an active approach can get you out of harm's way in certain scenarios…rather than just having a buy and hold mentality.”- Murs Tariq “If you want to have a peace of mind retirement or a worry-free retirement plan, make sure that you have the cash, growth, and income buckets.”- Radon Stancil  Resources: If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement! To access the course, simply visit (POMWealth.net/podcast.)
Steven Jarvis - Mid-Year Tax Strategies
Jun 20 2022
Steven Jarvis - Mid-Year Tax Strategies
Are you committed to having a tax-planning conversation outside the tax season? The only way to win in the tax game is to have a proactive approach when it comes to tax planning. It’s important to be committed to having some kind of tax-planning conversation on any topic, especially with a professional outside of the traditional tax period. In this episode of the Secure Your Retirement podcast, we have Steven Jarvis, a CPA, owner of Retirement Tax Services, the host of Retirement Tax Podcast, and is knowledgeable in tax planning. We discuss the benefits of tax planning and a few ways how you can get intentional to avoid paying more tax than needed. In this episode, find out: The importance of tax planning to avoid the pain of the tax-paying experience. How (QCDs) can lower your taxable income even when taking standard deductions. How doing a QCD can help you pay lower premiums for Medicare. The benefits of the donor-advised fund, allowing lumping of multiple years of charitable contributions into a single year. Why you should consider getting your money into a tax-free bucket according to your tax bracket. The reasons why you should or shouldn’t consider doing a Roth conversion. Tweetable Quotes: “Everyone should consider a Roth; it does not mean anyone should do one.”- Radon Stancil “If you have any concerns that tax rates might go up, getting dollars into a tax-free bucket is going to set you up for success.”- Steven Jarvis “The only way we get ahead with tax planning is if we have an intentional approach.”- Steven Jarvis Get in Touch with Steven: Website: ( ( you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement! To access the course, simply visit (POMWealth.net/podcast.)
401k Versus IRA
Jun 13 2022
401k Versus IRA
Do you understand the difference and similarities between 401ks and IRAs? How can you make the two or one make sense for you as your retirement plan? Both 401ks and IRAs are set up to encourage you to plan for your retirement, and you should have an analysis and a conversation on which one is good for you. But when you have the opportunity, moving from a 401k to an IRA gives you more flexibility and investment options. In this episode of the Secure Your Retirement podcast, we talk about the differences and similarities between 401ks and IRAs. Listen in to learn how you can move your 401k funds into an IRA and its benefits. In this episode, find out: ●     A 401k is an employer-sponsored retirement plan, and an IRA is an individual retirement account. ●     The pre-tax (traditional) 401k or IRA and the tax-free option (Roth). ●     The difference between pre-tax and Roth 401ks/ IRAs and the tax benefits of each.  ●     The two major benefits of a 401k in terms of how it can be funded. ●     In-service rollover - when you can move your 401k funds into an IRA and the benefits. ●     A strategy on how we can access your 401k and make trades on your behalf. ●     The simple process of doing an in-service rollover to move you from a 401k to an IRA. Tweetable Quotes: ●     “On the funding side, 401ks typically are going to allow you to put in much more money than an IRA.” -Murs Tariq ●     “In general, as long as you’re employed with the company, you cannot move from the 401k to an IRA.” - Radon Stancil Resources: If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement! To access the course, simply visit (POMWealth.net/podcast.)
How Required Minimum Distributions and QCDs Work?
Jun 6 2022
How Required Minimum Distributions and QCDs Work?
When it comes to taking your money out of your IRAs and 401ks after retirement age, you might need to understand the terms RMDs and QCDs. At age 72, you’re required to start taking distributions out of your 401k and IRAs with a formula based on your life expectancy. The key here is to be tax-efficient or even go tax-free in any way you can without breaking the law. In this episode of the Secure Your Retirement podcast, we take you through the Required Minimum Distributions and Quality Charitable Distributions. Listen in to learn how to save on tax by taking your money out of an IRA/401k and doing a Roth conversion if you’re 65 and retired. In this episode, find out: The formula to calculate your distributions which you’re required to start taking based on your life expectancy. Taking out your RMDs in the year you turn 72 and the consequences of deferring your first RMD. Understand that you can withhold tax for RMDs plus the frequency in which you take your RMDs. Understanding how any pre tax asset that is subject to RMDs is calculated. Why take money out of your IRA/401k and do a Roth conversion if you’re 65 and retired to save on tax. Where to take the RMD money from when you have several IRAs and 401ks. Quality Charitable Distributions (QCDs) – qualifying to take your IRA money tax-free at age 70 and a half. How to avoid paying tax or doing it efficiently on your RMD through the QCD strategy. Tweetable Quotes: “At age 72, you’re required to start taking distributions out of your 401k” - Radon Stancil “It’s perfectly legal to defer your first and only RMD, after that, it must be all completed by 12/31 of the calendar year.”- Murs Tariq Resources: If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement! To access the course, simply visit (POMWealth.net/podcast.)
6 Considerations for Your Estate Plan
May 30 2022
6 Considerations for Your Estate Plan
When it comes to estate planning, some things are essential and required at all times to simplify the process for your family when you’re no longer here. In this episode of the Secure Your Retirement podcast, we talk about the 6 essential and required things you need to consider when estate planning over a glass of Raphael Prosecco sparkling wine. We explain the purpose and importance of having documents such as a will, power of attorneys, the HIPAA form, beneficiary form, and the transfer on death document. Listen in to learn the purpose of having the durable and healthcare power of attorneys to make things simpler for your family in case you become incapacitated. In this episode, find out: The importance of having a will to simplify things for your loved ones when you’re no longer here. Healthcare power of attorney – appointing someone to carry out your healthcare decisions for you if you’re incapacitated. How having a healthcare power of attorney uncomplicates complicated situations for your family. The durable power of attorney - appointing someone to carry out your financial decisions for you if you’re incapacitated. Get both durable and healthcare power of attorneys prepared in advance and when in full capacity. How the HIPAA form allows your family to have access to your medical records. The beneficiary form drives where all your accounts funds go at the time of your passing. The importance of having a transfer on death document to simplify things on your bank accounts. Tweetable Quotes: “Without a will, simple things become very complicated.”- Radon Stancil “A power of attorney is being appointed to be your agent; someone that’s going to make decisions on your behalf in the case that you’re not able to.”- Murs Tariq Resources: If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement! To access the course, simply visit (POMWealth.net/podcast.)
When is Cash Good?
May 23 2022
When is Cash Good?
Why would cash be able to beat other types of investments? When dealing with a volatile market like we’re currently experiencing, cash can become an important asset class. Going to cash means selling investments and putting the money on temporary hold as you evaluate the markets. It’s basically a movement to a safety method as you evaluate the market, waiting to redeploy your money when the markets start looking good. In this episode of the Secure Your Retirement podcast, we explain the benefits of going to cash and share examples of when it has worked out for our clients. Listen in to learn why you shouldn’t be worried about not earning anything when sitting in cash because the purpose of it is to not lose money.     In this episode, find out: The difference in the cash conversation between an active and a passive money manager. The meaning of going to cash and why it’s a movement to safety strategy. Cash is king when other assets are going down and cash remains neutral. The power of cash in protecting you from losing money even though you’re not earning. How we went into cash and then back into the money markets safely during the 2020 pandemic. The dates on the recent market volatility and our decision to go fully in cash. Our objective of buying when we see demand and selling when the demand goes away. Tweetable Quotes: “You’re either risk-on, and you’re fully invested in the market, or you’re risk-off, and you’re fully in cash.”- Murs Tariq “If cash is neutral and it’s not going up or going down and if other assets are going down and cash is not, then cash is king.” - Radon Stancil Resources: If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement! To access the course, simply visit (POMWealth.net/podcast.)
Tax Planning Versus Tax Preparation
May 16 2022
Tax Planning Versus Tax Preparation
Did you know that you can legally and ethically avoid paying unnecessary taxes by working with the tax code? With tax planning, you can avoid tax risk. Tax preparation is about being reactive while tax planning is about being proactive all year round every single year. Tax planning years in advance when done correctly, can massively change how much you pay in taxes. In this episode of the Secure Your Retirement podcast, we talk about the benefits of tax planning in the long term as opposed to tax preparation. Listen in to learn how to pay less tax on your income after retirement if you make the same as before or even more. In this episode, find out: ●     The benefits of tax planning and being proactive in the tax calendar year. ●     The big difference between tax preparation and planning – being reactive vs. proactive. ●     Minimize tax on social security benefits by planning to get the money into a tax-free scenario. ●     Why do many people make the same amount of income in retirement and even more? ●     The importance of putting all your money in pre-tax retirement assets like the IRAs and 401ks. ●     The importance of Roth conversions as part of your long-term tax planning goal. ●     Plan for your surviving spouse to ensure they aren’t paying more taxes than they’re supposed to. Tweetable Quotes: ●     “In retirement, taxes can change the situation drastically in your favor as well as cost you a lot of money.” - Radon Stancil ●     “Roth conversions are a big way to start thinking about this long-term tax planning goal.”- Murs Tariq Resources: If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement! To access the course, simply visit (POMWealth.net/podcast.)
The Retirement Bucket Strategy
May 9 2022
The Retirement Bucket Strategy
Have you given thought to how you’d like to structure your retirement plan? How about a strategy that ensures you have both income and growth in retirement? The bucket strategy is a simple strategy that will give you peace of mind through your retirement. The goal for your retirement should be to have access to money, an income stream, and growth on your money. In this episode of the Secure Your Retirement podcast, we talk about the retirement bucket strategy and its peace of mind benefit. Listen in to learn how to separate the cash, income, and growth buckets and remove worries from your retirement plan. In this episode, find out: The 3 buckets that make up our peace of mind first retirement strategy. Having a liquid cash bucket – an existing and protected emergency or feel-good fund. The income bucket – is a paycheck you can rely upon every single month to cover your needs and wants.   The growth bucket – a growing yet risky bucket and likely going to be in the stock market. Why the income bucket should be disconnected from any stock market fluctuations. How the peace of mind first retirement strategy removes any worry of the stock market fluctuations. Tweetable Quotes: “The reason we can have some volatility in the growth bucket is because we know that our income is covered.”- Murs Tariq “When you retire, you want to make sure that you have the income coming in and you don’t want to worry about it.”- Radon Stancil  Resources: If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement! To access the course, simply visit (POMWealth.net/podcast.)
Lynne Bowman - Brownies for Breakfast
May 2 2022
Lynne Bowman - Brownies for Breakfast
How conscious are you about what you eat? Your health is indeed your wealth; staying healthy is one of the best financial strategies you can have. Eating for health and wealth means eliminating sugar and bad ingredients from your diet and choosing to eat whole plant-based foods.   In this episode of the Secure Your Retirement podcast, we have Lynne Bowman, author of the Brownies for Breakfast book. Listen in to learn the benefits of eating and sleeping to give your body time to clean and heal itself. In this episode, find out: ●     Why staying healthy is one of the best financial strategies you can have. ●     How to be conscious about the food you eat to keep your finances and live a longer life. ●     The influence of a community on the way you eat and how healthy you live. ●     How to radically improve your health by eating and sleeping to give your body time to clean itself. ●     The importance of eating whole foods, plant-based foods, and well-sourced meat for better health. ●     Why eliminating sugar and bad ingredients in your diet can reduce food addictions. ●     How to substitute a good diet with moving your body with less strenuous exercises. Tweetable Quotes: ●     “Staying healthy is one of the best preventive financial strategies you can have.”- Lynne Bowman ●     “The first thing you might consider doing to radically change your health is to stop eating all the time.”- Lynne Bowman Get in Touch with Lynne: ●     Website: (      Book: Brownies for Breakfast by Lynne Bowman Resources: If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement! To access the course, simply visit (POMWealth.net/podcast.)
Wine Down - Social Security Questions Answered
Apr 25 2022
Wine Down - Social Security Questions Answered
We understand that social security isn’t the most exciting topic to talk about or listen to, but some questions need answers. In this episode of the Secure Your Retirement podcast, we answer 3 major questions on social security over a glass of Rosé wine. We talk about social security benefits, taxes, and the right time to take social security. Listen in to learn why you need an individual financial plan that dictates the right time to take social security rather than waiting until age 70. In this episode, find out: ●     How to know what your social security benefits will be through the ssa.gov website. ●     The process of applying for social security once you know when to take it. ●     Understanding how spousal benefits work in social security. ●     The current youngest age that you can take your social security benefits. ●     The things to consider when taking social security early to avoid penalties. ●     The importance of having an advisor to help you think through the tax side of social security. ●     Why it is subjective when it comes to the right time to take your social security. Tweetable Quotes: ●     “When you know when you want to apply for social security, you want to apply 3 months before.”- Murs Tariq ●     “If you’re taking social security, don’t think that it’s tax-free and you want to make sure that you run an analysis and you’re working with an advisor to help you think through tax.”- Radon Stancil Resources: If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement! To access the course, simply visit (POMWealth.net/podcast.)
Roderick Spann – 5 Medicare Mistakes to Avoid
Apr 18 2022
Roderick Spann – 5 Medicare Mistakes to Avoid
Are you aware of the things you can opt-in or not when it comes to your Medicare plan? It is important that you get enrolled in Medicare 3 months before turning 65 to avoid any delays caused by the existing backlog. When it comes to Medicare, there’s part A which covers everything that happens in the hospital, and part B, which covers anything outside the hospital. In this episode of the Secure Your Retirement podcast, we have Roderick Spann, a senior insurance specialist, talk about the 5 Medicare mistakes to avoid. Listen in to learn about the different parts of Medicare and the packages you can opt for. In this episode, find out: Understanding the Medicare initial enrolment period and why it’s important. Understanding Medicare part B – insurance that covers anything outside the hospital. Part D – the importance of analyzing your prescription drug coverage. The original Medicare, what it covers, and the importance of having a Medicare supplement. The difference between a Medicare Advantage plan and a Medicare supplement. The benefits of comparing and understanding your retiree package plan and the Medicare plan. Speak to a professional to give you unbiased advice tailored to your specific Medicare needs. The process of getting enrolled into Medicare right before your 65th birthday. Tweetable Quotes: “Original Medicare only covers 80% of your medically necessary services.”- Roderick Spann “Medicare is not one size fits all; a prescription plan that works for one person in one state or one specific zip code may not work for another person.”- Roderick Spann Get in Touch with Roderick: LinkedIn: ( you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement! To access the course, simply visit (POMWealth.net/podcast.)
Bonds Versus Bond Alternatives
Apr 11 2022
Bonds Versus Bond Alternatives
Have you heard of the 60/40 portfolio? This means that 60% of your investment money goes into stocks, and 40% goes into bonds. This is fast changing in today’s world of high-interest rates, and the bond market is increasingly becoming hard. But how about a bond alternative? In this episode of the Secure Your Retirement podcast, we talk about the changing world of bonds and the importance of bond alternatives. Listen in to learn why a bond alternative is supposed to provide the same goal as a bond, which is to lower risk and provide income. In this episode, find out: ●     The 60/40 portfolio and how it protects you from stock market volatility. ●     How the high-interest rates are affecting the bond market negatively. ●     A bond alternative is supposed to fulfill the same goal the bond was going to fulfill. ●     Why fixed index annuities provide an excellent bond alternative. ●     How we come up with a long-term bond alternative plan that’s safe, reliable, and not volatile. ●     Bonds are not evil, but it’s important you think about bond alternatives. Tweetable Quotes: ●     “When interest rates go up, that affects bonds negatively.”- Radon Stancil ●     “Everything about investing is purely about how you understand it, perceive it, and what your expectations are.”- Murs Tariq Resources: If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement! To access the course, simply visit (POMWealth.net/podcast.)
Evie Brooks - Real Estate Investing in Panama
Apr 4 2022
Evie Brooks - Real Estate Investing in Panama
Have you ever thought of investing in real estate outside of the US market, specifically in Panama? What if you learned that it’s a booming real estate market that’s only getting better? Investing in Panama can be easy, affordable, and suitable for anyone planning to relocate to Panama or add to their real estate portfolio. In this episode of the Secure Your Retirement podcast, we have Evie Brooks, an elite Real Estate Investment Educator, entrepreneur, and former Advanced Trainer for “Rich Dad Poor Dad”, who now specializes in Panama real estate for expatriates. Listen in to learn why you need to invest in international investing education to avoid losing money to scammers. In this episode, find out: Evie on her career in real estate investing and her passion for educating on the subject. Why she ended up in Panama for real estate investing and why it’s a good investing market. The healthcare situation in Panama and why it’s way more affordable than the US. How to invest in real estate projects in Panama and become an expert in the field. How Evie and her team make investing in Panama easier for international investors. Why you need education before investing internationally to avoid losing money to scammers. The types of lifestyles to consider in Panama if you’re considering relocating. Tweetable Quotes: “Being able to invest in Panama is simple if you know where to go and who to contact.”- Evie Brooks “Do it the right way and you won’t spend near what you would lose if you try to figure investing in Panama on your own.”- Evie Brooks Get in Touch with Evie: Website: ( ( you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement! To access the course, simply visit (POMWealth.net/podcast.)
Wine Down - 3 Questions on Investing In 2022
Mar 28 2022
Wine Down - 3 Questions on Investing In 2022
What are your burning questions about your retirement planning and the market volatility of 2022? We’re experiencing a high inflation rate in 2022 as we try to recover from the 2020 pandemic damage and other factors. How does this situation affect your retirement portfolio? What should you do or not do? In this episode of the Secure Your Retirement podcast, we answer 3 questions on investing in 2022. Listen in to learn why there’s a time to be invested and a time to be on the sidelines during market volatility periods like 2022. In this episode, find out: ●     Why the current inflation rate shouldn’t affect your long-term retirement plan. ●     Why your retirement plan needs to be actively managed and run on average inflation rates. ●     A retirement plan shouldn’t change due to a good or bad inflation year. ●     Why market volatility shouldn’t be a reason to get your investment out of the market. ●     No demand and too much supply should encourage you to get your investment out of the market. ●     Get a professional to help you figure out when to get in or out of the market. ●     Why you have to be very careful when looking into bond investments right now. ●     How bond alternatives give your investment safety but limited liquidity. Tweetable Quotes: ●     “We shouldn’t change the whole plan over a bad or good year when it comes to inflation.”- Radon Stancil ●     “As interest rates go up, it’s going to impact bonds negatively and we’re seeing that right now.”- Murs Tariq Resources: If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement! To access the course, simply visit (POMWealth.net/podcast.)
What's The Difference Between a Mutual Fund and an ETF?
Mar 21 2022
What's The Difference Between a Mutual Fund and an ETF?
Are you torn between investing in a mutual fund or an ETF? Both mutual funds and exchange-traded funds (ETFs) are alike in many ways but also have a few differences. They both make investing very easy and represent diversification. In this episode of the Secure Your Retirement podcast, we talk about the differences between a mutual fund and an ETF. Listen in to learn why ETFs are more efficient and low-cost as compared to mutual funds and are suitable for anyone looking to be actively managed. In this episode, find out: Defining a mutual fund – a fund with a purpose that can represent multiple stocks. How a mutual fund operates on an “end of day pricing” during purchase and sale. How an ETF operates the same way as an individual stock and can be sold or bought at any moment of the day. The actively managed advantage that both mutual funds and ETFs offer. A mutual fund has a higher expense ratio compared to an ETF which is more efficiently managed. An ETF enables you to get in and out of the market without having to wait for the market to close. Tweetable Quotes: “A mutual fund is designed as a company that is there to make a profit, and so it’s going to have a manager, a team under the manager, and all the overhead that it takes to manage it.”- Murs Tariq “There’s no way to invest for free; you’re always going to have some fees in whatever investment you choose.”- Murs Tariq “If you’re trying to decide between a mutual fund and an ETF, it’s worthy to try to figure out how each works.”- Radon Stancil Resources: If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement! To access the course, simply visit (POMWealth.net/podcast.)
Marcia Miller – Alternatives for Assisted Living
Mar 14 2022
Marcia Miller – Alternatives for Assisted Living
When it comes to assisted care living, there are other alternatives much better and more affordable than the big facilities. The adult family care home is an affordable form of assisted living, where the homeowner lives with their residents and offers them a more personalized type of care. It is also a great venture to start as part of your retirement plan to help you gain financial stability. In this episode of the Secure Your Retirement podcast, we have Marcia Miller, owner/CEO of the Serenity Adult Family Care Home, a 5-bed residential assisted living facility. She’s also the founder of the Spill the Beans Institute, where she helps people learn how to care for their loved ones at home. Listen in to learn how starting an adult family care home can help you gain financial stability while providing quality care for your loved ones. In this episode, find out: Why private caregiving homes should be considered as a viable option. The one-on-one experience that the adult family care home provides as opposed to the big assisted living facilities. How you can gain the skills to care for your loved ones at home and gain some financial stability while at it. How being a caregiver can help you plan for your retirement. How a good health assessment is used to determine if a client is eligible for an adult family care home. How to find an adult family care home for your loved one if you’re in Florida. The importance of preparing and planning for assisted living at any age as part of your retirement. Tweetable Quotes: “The adult family care home is where the owner lives with the residents.”- Marcia Miller “The adult family care home price points are way less than say a nursing home, and you get to give your loved one a person-centered care that they truly need and deserve.”- Marcia Miller Get in Touch with Marcia: LinkedIn: ( you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement! To access the course, simply visit (POMWealth.net/podcast.)
Jaime Ramirez - Protecting Against Cyber Attacks
Mar 7 2022
Jaime Ramirez - Protecting Against Cyber Attacks
The threat is increasingly becoming bigger where cyber security is concerned. How do you protect your money, your business, and or your customers from cyber frauds and identity thefts? When improving cybersecurity tools in your business, you have to do it efficiently to avoid friction and abandon rates with your customers. In this episode of the Secure Your Retirement podcast, we have Jaime Ramirez, CEO & Founder of Preventor, a risk and identity management platform. Listen in to learn the importance of staying prepared and protected from any possible cybercrimes. In this episode, find out: Jamie’s background in cybersecurity and how he’s helping businesses protect themselves. Understanding how to protect your business from fraud and who you’re working with to help you do so. Some of the best practices to protect a client from cyber frauds and identity thefts. How to efficiently avoid friction and abandonment rate with your customers when improving your business’s cybersecurity. The creative ways that cyber offenders are using to steal money and other things from businesses. Tweetable Quotes: “What you’re looking for is how to use those tools in your business and how to automate what you’re doing in an efficient way to protect your business without having friction or high abandon rate with your customers.”- Jaime Ramirez “We want to stay as vigilant as possible in these tough times of all these different things that are going on with hacking, technology, and security breaches.”- Murs Tariq Get in Touch with Jaime: Website: ( ( you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement! To access the course, simply visit (POMWealth.net/podcast.)
Wine Down - 5 Retirement Planning Questions
Feb 28 2022
Wine Down - 5 Retirement Planning Questions
Do you have retirement questions that you’d like us to answer over a glass of wine? In this episode of the Secure Your Retirement podcast, we answer five common questions that we get over a glass of St. Innocent Crémant d'Innocent wine. We cover questions on saving for retirement, when to take social security, risk exposure, annuities for retirement, and how taxes affect your retirement. Listen in to learn why some of these situations really depend on your specific situation and should be handled individually. In this episode, find out: Factors that go into how much you need to save for your retirement plan and why it’s all relative. Why you need to look at your specific situation on when to take your social security. Always be thinking about your risk exposure when planning/managing your retirement. The questions you need to ask yourself about risk exposure when investing. Three reasons why you would look into an annuity for your retirement. When an annuity can be a good option to consider. How taxes affect your retirement plan and what you can do proactively. Tweetable Quotes: “You should always be thinking about your risk exposure.”- Murs Tariq “If you need lifetime income like a pension, then an annuity could be an option.”- Radon Stancil Below are the links to all of the podcast episodes on the Annuity series. (Annuities – Why Ever Use Them – Part 1) (Annuities – Why Ever Use Them – Part 2) (Annuities – Why Ever Use Them – Part 3) (Annuities – Why Ever Use Them – Part 4) (Annuities – Why Ever Use Them – Part 5) (Annuities – Why Ever Use Them – Part 6) (Annuities – Why Ever Use Them – Part 7) (Annuities – Why Ever Use Them – Part 8) Here is the link to the Annuity video blog posts. (Click here to view the blog posts associated with the Annuity episodes) Resources: If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement! To access the course, simply visit (POMWealth.net/podcast.)
Risk-Adjusted Portfolio How It Works
Feb 21 2022
Risk-Adjusted Portfolio How It Works
Have you thought of having a risk-adjusted portfolio? A good risk-adjusted portfolio protects you from a significant market risk like a sudden pandemic. There are traditional ways of adjusting a portfolio to risk, but even those don’t work sometimes. If you want to adopt a risk-adjusted portfolio, do the research, think of what works best for you, and then have a conversation with your financial advisor. In this episode of the Secure Your Retirement podcast, we talk about a risk-adjusted portfolio and why it’s better to do it with the supply and demand method instead of asset allocation. Listen in to learn how to adjust your portfolio risk using the bond alternative. In this episode, find out: ●     The factors that determine an individual risk-adjusted portfolio. ●     Understanding asset allocation and why the typical methods of it can be risky too. ●     Understanding the year-to-date and max drawdown returns. ●     How to do a risk-adjusted portfolio with supply and demand instead of asset allocation. ●     Safe growth – transferring of a down in the market over to the insurance company. ●     How to adjust your portfolio risk using the bond alternative. Tweetable Quotes: ●     “As a person gets closer to and gets into retirement; risks can change.”- Radon Stancil ●     “After being a wreck, you’re the safest you could ever be.”- Radon Stancil ●     “Some are comfortable with the concept of just doing a 60/40 asset allocation, and some are not and we have to think a little bit differently.” - Murs Tariq Resources: If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement! To access the course, simply visit (POMWealth.net/podcast.)
Angelina Carlton - Designing Your Legacy
Feb 14 2022
Angelina Carlton - Designing Your Legacy
What does your legacy mean to you? How do you want to approach designing your legacy to be impactful? Having a legacy means knowing yourself and being true to who you are beyond the career you’ve had. It’s important to have the right coaching to help you answer powerful questions and complete assignments to design your legacy. In this episode of the Secure Your Retirement podcast, we have Angelina Carlton, a legacy planner helping leaders struggling with planning their personal legacy. Listen in to learn why designing your legacy requires courage and perseverance.  In this episode, find out: ·      How Angelina came up with the idea of legacy coaching after years of being in commercial real estate. ·      Understanding your guiding principles and knowing yourself better to pursue your legacy. ·      Why legacy is about getting to know who you are beyond who you were in your career. ·      How powerful questioning and assignments in coaching allow people to find their legacy. ·      The importance of knowing yourself to achieve freedom, fulfillment, and satisfaction in your legacy. ·      Having the courage and the willingness to persevere towards your legacy. ·      Understand what legacy means to you and get the coaching that will help you get there. ·      How to get in touch with Angelina and the steps to her coaching to help you design your legacy.  Tweetable Quotes: ·      “Legacy has a lot to do with integrity, being true to ourselves when we’re in this lifetime.”- Angelina Carlton ·      “A legacy is for those who are willing to persevere; it is a courageous journey to want to know yourself.”- Angelina Carlton Get in Touch with Angelina: ·      Website: (      LinkedIn: ( you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement! To access the course, simply visit (POMWealth.net/podcast.)