How Money Works podcast

Innhold levert av Walter Storholt and Craig Moser. Alt podcastinnhold, inkludert episoder, grafikk og podcastbeskrivelser, lastes opp og leveres direkte av Walter Storholt and Craig Moser eller deres podcastplattformpartner. Hvis du tror at noen bruker det opphavsrettsbeskyttede verket ditt uten din tillatelse, kan du følge prosessen skissert her https://no.player.fm/legal.

The Head Start: Embracing the Journey

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Sweat and Resilience: Balancing Chronic Migraine with Fitness Goals 35:02

for 5 dager siden35:02

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The healing power of fitness goes far beyond physical benefits—for today’s guest, it’s a form of self-expression and a celebration of what the body can do. In this episode, host Nora McInerny sits down with fitness personality Ivylis Rivera, who shares her deeply personal journey of navigating life with Chronic Migraine while holding onto her passion for movement. Ivylis opens up about the struggle of staying active while facing the fear of triggering a headache or migraine attack and the resilience it takes to keep pushing forward—a resilience that carried her through the challenging journey of finding a Chronic Migraine treatment plan that worked for her. Join Nora and Ivylis as they explore the concept of “soft living,” a philosophy Ivylis embraces—staying active, listening to your body, and building trust in oneself. Click here for Product Information, including Boxed Warning and Medication Guide, or visit https://abbv.ie/prescribing_info See omnystudio.com/listener for privacy information.…

How Money Works

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Husband and wife team, Craig and Jennifer Moser of Maestro Wealth Advisors discuss crucial tips for planning your successful retirement. Listen for valuable insight from professionals with unique insight and perspective on How Money Works. If you need any help with your financial or retirement plan, give them a call at 336-448-1086 or visit the website, https://maestrowealth.com Avantax affiliated financial professionals may only conduct business with residents of the states for which they are properly registered. Please note that not all of the investments and services mentioned are available in every state. Securities offered through Avantax Investment Services(SM), Member FINRA, SIPC. Investment advisory services offered through Avantax Advisory Services(SM). Fixed life insurance and annuity products offered through Maestro Insurance Services, Inc. All other insurance services offered through an Avantax affiliated insurance agency. The Avantax family of companies exclusively provide investment products and services through its representatives. Although Avantax Wealth Management(SM) does not provide tax or legal advice, or supervise tax, accounting or legal services, Avantax representatives may offer these services through their independent outside business. Avantax affiliated financial professionals may only conduct business with residents of the states for which they are properly registered. Please note that not all of the investments and services mentioned are available in every state This information is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Content, links, and some material within this website may have been created by a third party for use by an Avantax affiliated representative. This content is for educational and informational purposes only and does not represent the views and opinions of Avantax Wealth Management(SM) or its subsidiaries. Avantax Wealth Management(SM) is not responsible for and does not control, adopt, or endorse any content contained on any third-party website.

124 episoder

#Trading #Business #Walter Storholt #Craig Moser #Finance #Financial #Greensboro #Maestrowealthadvisors #Money #Moser #Northcarolina #Triad #Winstonsalem #CFP® #Retirement #Financialplanning

How Money Works

updated for 10 dager siden

Del

Serier hjem•Feed

124 episoder

#Trading #Business #Walter Storholt #Craig Moser #Finance #Financial #Greensboro #Maestrowealthadvisors #Money #Moser #Northcarolina #Triad #Winstonsalem #CFP® #Retirement #Financialplanning

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How Money Works

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What to Do When Markets Get Messy 17:20

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When the market takes a dip—or just feels unpredictable—it’s natural to want to do something. But when it comes to your retirement plan, sometimes the smartest move is actually to pause. In this episode, Craig and Jennifer share a calm, methodical approach to navigating difficult markets without panicking, overreacting, or making costly mistakes. Tune in if you’ve been looking at your portfolio lately and wondering, “ What should I do now? ” You’ll learn why the duo recommends a “bucketing” strategy to separate near-term needs from long-term growth, how to think about volatility in real dollars (not just percentages), and what questions to ask if you're worried about whether your plan can hold up. Plus, Craig explains how sensitivity analysis helps you stress-test your portfolio so you can stop guessing and start planning with clarity. Here’s some of what we discuss in this episode: 📉 Why the worst reaction to market drops is overreaction 🧺 How “bucketing” your money may protect your peace of mind 🧠 Why emotional investors often derail their own plans 📊 What a sensitivity analysis tells you about your portfolio 💵 The real danger of needing money from volatile investments Get additional financial resources: https://maestrowealth.com/how-money-works-podcast/ Schedule a meeting: https://timetoseemaestrowealth.as.me/ReadytoBegin…

How Money Works

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Should You Retire During a Volatile Market? 19:54

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Plenty of people have concerns about stock market volatility, a potential recession on the horizon, and fears for the economy right now. Retiring in a down market can feel like stepping onto a shaky bridge, but with the right structure, it doesn’t have to be. In this episode, Craig and Cameron unpack strategies for financial stability and peace of mind- like smart diversification and tuning out the media noise- even when the headlines are shouting panic. They cover how to build a resilient portfolio using the “three-bucket” strategy, how to plan for consistent income even if the market drops, and why risk, volatility, and media noise don’t have to define your retirement. You’ll also hear a powerful real-world example of how sequence-of-return risk can derail a plan and what to do instead. Here’s some of what we discuss in this episode: 📉 The real risk of retiring during a downturn 📊 Understanding the risk in your portfolio 🧠 Control what you can and ignore the noise 🛡️ Real-world strategies for building a resilient income plan Get additional financial resources: https://maestrowealth.com/how-money-works-podcast/ Schedule a meeting: https://timetoseemaestrowealth.as.me/ReadytoBegin…

How Money Works

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Don’t Make These Bad Assumptions About Retirement 21:54

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When it comes to your financial future, a few bad assumptions can lead to costly mistakes. In this episode, Craig and Jennifer break down some of the most common (and dangerous) misconceptions people have about retirement planning. We’ll discuss why a Roth IRA is an account—not an investment, the truth about delaying Social Security benefits, and why assuming your pension lump sum is always the best option might not work for you. We’ll also talk about the implications of tax brackets and how tax laws could shift dramatically if the Tax Cuts and Jobs Act (TCJA) expires. With more than 30 years working with clients, we can help you make more informed financial decisions and avoid bad assumptions with your retirement plan. Here’s some of what we discuss in this episode: 🔍 Roth IRA Misunderstanding – It’s not an investment; it’s a tax wrapper 📈 Social Security Timing – Delaying isn’t always the best answer 💼 Pension Decisions – Lump sum vs. lifetime payments: What’s the right move? 📉 Bond Risks – Rising rates can hurt your portfolio more than you think Get additional financial resources: https://maestrowealth.com/how-money-works-podcast/ Schedule a meeting: https://timetoseemaestrowealth.as.me/ReadytoBegin…

How Money Works

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Inside the Advisor’s Office: What People Are Actually Concerned About 22:44

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Ever wonder what other people talk about with their financial advisors? A new survey of nearly 400 experienced advisors reveals the biggest concerns, challenges, and financial goals their clients are facing today. In this episode, Craig and Jennifer Moser break down the results and compare the findings to what we see at Maestro Wealth Advisors. We’ll unpack insights on why 52% of clients are primarily focused on retirement planning, what higher-net-worth families often overlook (like estate planning!), and how to build reliable income streams that don’t collapse in a market downturn. You'll also learn why outliving your money, healthcare costs, and supporting both aging parents and adult children are becoming top financial concerns. Here’s some of what we discuss in this episode: 📜 Estate plans are often outdated (or nonexistent!) 💸 Most people worry about outliving their money—even millionaires 🏥 Healthcare costs are underestimated but potentially devastating 👪 The “sandwich generation” is real—supporting parents and kids impacts retirement 🔄 Retirement is a dollar amount, not an age—planning brings confidence Check out the survey: https://www.fa-mag.com/news/retirement-planning-survey-2024-80450.html Get additional financial resources: https://maestrowealth.com/how-money-works-podcast/ Schedule a meeting: https://timetoseemaestrowealth.as.me/ReadytoBegin…

How Money Works

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Is Investing In Real Estate Right For You? 20:45

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There are a lot of things to consider when it comes to investing in real estate, especially if you’re buying a rental property. Not only are there tax implications that come with buying and selling real estate, but there is also the labor element that comes with being a landlord if you choose to buy a rental property. In this episode, Craig and Jennifer will dive into the realities of real estate investing, from passive income potential to the hidden headaches of being a landlord. They break down the biggest financial mistakes rental property owners make, including underestimating maintenance costs, dealing with tenants, and the massive tax bills that can hit you when selling an investment property. Plus, they explain the 1031 exchange strategy, a powerful way to defer taxes and keep more of your gains when selling real estate. Here’s some of what we discuss in this episode: 🏡 Is Real Estate Investing Worth It? – The pros & cons of rental properties 💰 Hidden Costs of Being a Landlord 📉 Selling Rental Properties & Taxes – How capital gains can eat into profits 🔄 1031 Exchange Strategy – A smart way to defer taxes when selling real estate ⚠️ Flipping Houses Isn't as Easy as It Looks! Get additional financial resources: https://maestrowealth.com/how-money-works-podcast/ Schedule a meeting: https://timetoseemaestrowealth.as.me/ReadytoBegin…

How Money Works

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Income Planning is the Foundation of Retirement 14:26

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When you think of retirement planning, saving and investing are two of the things that likely come to mind first. That’s why many people are unprepared for the next phase of the plan, which is the shift to distribution. Knowing how much income you’ll need and where that money is pulled from is incredibly important for retirement success so today we’re talking all about this essential component of planning. We’ll talk through different factors that we need to understand before putting together the income plan, including your income goals, cash flow, and the impact of taxes and inflation on your retirement savings. This discussion provides a look into the complexity of retirement planning and the need for thoughtful consideration and expert guidance. Here’s some of what we discuss in this episode: Income goals are one of the most crucial things you should decide on as you plan for retirement. Understanding the taxes you’ll have to pay on your retirement savings is a big part of determining where to take your money from. What reliable sources of income will you have? Why are people usually unprepared in this area? Get additional financial resources: https://maestrowealth.com/how-money-works-podcast/ Schedule a meeting: https://timetoseemaestrowealth.as.me/ReadytoBegin…

How Money Works

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Financial Planning for Future Generations 12:08

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Kids and grandkids often play a big role in financial plans. Let’s talk about some of the common scenarios we see where the future generations somehow come into play during the retirement planning process. Find out how Maestro Wealth typically advises people in these situations. This episode will explore challenges like supporting adult children as you approach retirement, preparing for future healthcare costs, and the various savings tools available for children’s education. The conversation highlights the importance of having open discussions with family members about financial responsibilities and the potential impact on future financial security. Here’s some of what we discuss in this episode: Families where mom and dad are on the verge of retirement with kids that are adults but still “on the payroll” in some fashion. Parents who had kids later in life and are still paying for college as they head into retirement. Grandparents who want to help with education costs for their grandchildren. Aging parents who are counting on their children to take care of them in their later years. People who want to be very intentional about leaving a financial legacy to their kids and grandkids. Get additional financial resources: https://maestrowealth.com/how-money-works-podcast/ Schedule a meeting: https://timetoseemaestrowealth.as.me/ReadytoBegin…

How Money Works

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Economic Impact of Trump Administration Policy Changes 22:31

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It’s been an incredibly busy week since the Trump administration took office and investors are wondering how the current economic landscape might be changing. As we navigate through an era of volatility, understanding what changes are happening is crucial for making informed financial decisions. Most of the focus is on the recent changes in government policies and their implications on the economy. Having patience during this transitional phase is critical, as new policies take time to yield results. While volatility is to be expected, it also presents opportunities for savvy investors. Along with the policy changes, we’re keeping our eye on interest rates, inflation, and AI as well over the cming year. Join us for a look ahead and learn more about strategies to navigate market volatility. Here’s some of what we discuss in this episode: There’s pressure from the administration to move forward with further rate cuts sooner. If rates decline this year, wouldn’t it make sense to have interest rate-bearing investments? Which sectors are more positive right now and where should you be investing for AI? It’s important to talk about your fixed income strategy now that rates have plateaued. Get additional financial resources: https://maestrowealth.com/how-money-works-podcast/ Schedule a meeting: https://timetoseemaestrowealth.as.me/ReadytoBegin…

How Money Works

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Beware These Retirement Half Truths 20:56

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We live in a world where truth, half-truths, and lies are seemingly getting harder and harder to distinguish in our day-to-day lives. Whether you’re scrolling a social media feed or watching a financial show, what’s fully true and what isn’t can seem to be all over the place. Today we’re going to help provide context to those half-truths so that you can understand why these financial statements don’t paint the full picture. We’ll share insights into managing investments at different life stages, the role of diversification, and the impact of fees on your portfolio. Plus, we’ll explore the emotional versus mathematical aspects of paying off a mortgage and the role of bonds in reducing portfolio risk. Here’s some of what we discuss in this episode: The market always goes up in the long run, but that may not be helpful depending on what stage of life you are in. Understanding what fees are in your portfolio and knowing what you’re getting for those fees. The question of whether you should pay off the house early or use the money to invest instead when interest is low. Diversification is a key to a strong portfolio but is it THE key? Do bonds significantly reduce the risk in your portfolio? Get additional financial resources: https://maestrowealth.com/how-money-works-podcast/ Schedule a meeting: https://timetoseemaestrowealth.as.me/ReadytoBegin…

How Money Works

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Managing Retirement And Financial Stress 14:30

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Retirement can be more stressful than it seems. After working your entire adult life, the lifestyle changes that come with retiring can feel overwhelming. Sometimes, your “dream retirement” isn’t quite what you expected. Today, Craig and Jennifer will cover some unique challenges that come with retirement and share strategies to manage the stress that comes with it. They’ll discuss setting meaningful goals, finding a new sense of purpose, and more. If you're feeling anxious or uncertain about retirement, this episode is a great way to get on the right track! Here’s some of what we discuss in this episode: The challenges that come with this massive change of pace Setting goals and making the most out of every day Not everything is going to go exactly as expected, so be flexible How retirement has changed in more recent years Get additional financial resources: https://maestrowealth.com/how-money-works-podcast/ Schedule a meeting: https://timetoseemaestrowealth.as.me/ReadytoBegin…

How Money Works

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Ready for a Retirement Reality Check? 23:43

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Retirement doesn’t always turn out like you see in commercials and movies. We’d love to be laid back on a tropical island, but we want to manage expectations. It's essential to have a realistic view of your financial capabilities and lifestyle desires. Today, Craig and Jennifer discuss the importance of managing retirement expectations, adjusting to changing expenses, and the necessity of a comprehensive financial plan. Discover why it's vital to plan for both essential and lifestyle expenses, and learn how to navigate the complexities of taxes, inflation, and investment strategies in retirement. Here’s some of what we discuss in this episode: Sticking to your budget and making sure the math works. Making sure to account for changing expenses in retirement. The need to be able to be flexible and be able to pivot. Finding new things to do in retirement if you’re no longer working. Get additional financial resources: https://maestrowealth.com/how-money-works-podcast/ Schedule a meeting: https://timetoseemaestrowealth.as.me/ReadytoBegin…

How Money Works

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Questions That Often Go Unasked About Retirement 22:14

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As we journey through life, certain questions about retirement and financial planning often go unasked until it's too late. On this episode, Craig is joined by Cameron Moser to shed light on these critical issues, offering perspective on the financial challenges that come with aging. The discussion will cover the realities of downsizing, tax implications after the loss of a spouse, and the importance of planning for long-term care. With insights from over 35 years of experience, Craig shares personal anecdotes and expert advice to help you navigate the complexities of retirement planning. Join us for a conversation that highlights the importance of preparing for the unexpected. Here’s some of what we discuss in this episode: Downsizing and decluttering in life, from your home to your finances. Tax and other financial considerations when one spouse passes away. The reduction in Social Security income after one spouse dies and how to plan for that. Turning your savings into something that produces income. Making sure that your kids are on board with your long-term care plans. Get additional financial resources: https://maestrowealth.com/how-money-works-podcast/ Schedule a meeting: https://timetoseemaestrowealth.as.me/ReadytoBegin…

How Money Works

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Retirement Today is Harder Than Ever Before 21:59

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Planning for retirement now is not what it used to be. Gone are the days when a pension, Social Security, and personal savings—the three-legged stool—were enough to secure a comfortable retirement. Today, individuals must navigate the intricacies of 401(k)s, IRAs, and other investment accounts that lack the guaranteed income of traditional pensions. While retirement success might be falling more and more on each individual to plan effectively, it doesn’t mean it’s impossible to accomplish. Craig and Jennifer will dive into the complexities retirees face today and the biggest challenges you’ll need to address within your plan. Learn about the impact of market volatility, the importance of creating a reliable income stream, and how to navigate the challenges of longer life expectancies and rising healthcare costs. Here’s some of what we discuss in this episode: When pensions were common, retirement planning used to be a lot easier. The hardest question to answer is often ‘what are your retirement goals?’ People are living much longer into their retirement. The sandwich generation faces a huge strain on their finances. Anxiety around the future of Social Security. Get additional financial resources: https://maestrowealth.com/how-money-works-podcast/ Schedule a meeting: https://timetoseemaestrowealth.as.me/ReadytoBegin…

How Money Works

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Building Your Advisory Team 18:53

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Financial planning is much more than investing and constructing a portfolio. You have to take your entire picture into account, which isn’t easy to do on your own. That’s why you want to surround yourself with a trusted group of professionals who can guide you through each aspect of planning. In this episode, we’re going to talk about the best approach to building an advisory team. We’ll discuss the importance of a fiduciary standard, the nuances of investment fees, and the significance of a tailored investment philosophy. Discover how to build a trusted advisor network with your CPA, attorney, and financial advisor to ensure your financial health. Plus, learn how to ask the right questions when meeting with an advisor for the first time. There’s a lot to cover in this episode of How Money Works and you don’t want to miss any of it, so tune in and hear from Craig and Jennifer. Here’s some of what we discuss in this episode: What makes an advisor a fiduciary? Knowing what services you are getting for the fees you are paying. How we help create a trusted advisor network for you. Get additional financial resources: https://maestrowealth.com/how-money-works-podcast/ Schedule a meeting: https://timetoseemaestrowealth.as.me/ReadytoBegin…

How Money Works

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Invest Like A Genius and Avoid These Mistakes 21:23

for 31 weeks siden21:23

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When it comes to investing for your retirement, there are some simple mistakes to avoid that can help make you look like a true financial wizard. The benefit of working with a financial advisor is tapping into the experience they have to identify those missteps before they happen. Let’s talk about what it takes to navigate the complexities of financial planning and set yourself up for long-term success. From the pitfalls of premature IRA withdrawals to the importance of maximizing employer matches and health savings accounts, this episode is packed with actionable advice. Learn how to avoid common mistakes like spending too much during your peak earning years and retiring too early. Plus, discover smarter ways to approach college tuition and the benefits of Roth IRAs. Join Craig and Jennifer as they break down these financial choices and explain what they could mean for you. Here’s some of what we discuss in this episode: Why you should avoid withdrawing from an IRA early. The risks with overspending in your peak earning years. The changing approaches to college funding. The problems with retiring too early. Why Roths could be appealing. Get additional financial resources: https://maestrowealth.com/how-money-works-podcast/ Schedule a meeting: https://timetoseemaestrowealth.as.me/ReadytoBegin…

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