Retirement Plan Playbook
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In this episode of the Retirement Plan Playbook, hosts Matthew Theal and Joshua Winterswyk from Evermont Wealth dive into the debate of Roth IRA vs. Traditional IRA. They begin with casual conversations about March Madness, and then transition into hot take headlines including potential TikTok bans and an antitrust suit against Apple. The core of the episode is dedicated to unraveling the intricacies of Roth and Traditional IRAs, discussing their benefits, limitations, and suitability for different financial scenarios. The hosts also touch upon spousal contributions, the backdoor Roth IRA strategy, and present the new provision allowing 529 plans to be rolled over into Roth IRAs. The episode concludes with personal recommendations, highlighting the benefits of a new golf club and recommending 'The Gentlemen' on Netflix. 01:28 March Madness and Bracket Bets 03:01 Hot Take Headlines: Federal Reserve and Interest Rates 06:39 Inflation Insights and Economic Theories 11:13 TikTok Ban Controversy: Security vs. Social Media 14:04 Apple's Antitrust Suit: A Tech Giant Under Scrutiny 16:44 The Impact of Apple on the Stock Market 17:28 Apple's Legal Battles and Potential Outcomes 18:43 Retirement Planning Corner: IRA vs. Roth IRA 23:23 The Traditional IRA: An Underutilized Tool 25:06 Navigating Non-Deductible IRA Contributions and Backdoor Roth IRAs 28:39 Maximizing Retirement Savings: Strategies Beyond the 401k 30:08 Final Thoughts and Recommendations Connect with Evermont Wealth: __ __
In this episode of the Retirement Plan Playbook, hosts Brent Pasqua, Matthew Theal, and Joshua Winterswyk of Evermont Wealth discuss investment strategies, retirement planning, and current events. The conversation kicks off with an analysis of the cryptocurrency market's recent bullish trends, particularly highlighting Bitcoin's surge following ETF announcements. The team explores inflation's impact, potential Federal Reserve actions, and the broader implications for investors. The episode transitions to discuss the cancellation of Apple's ambitious Project Titan car initiative, focusing on the implications for AI development and the challenges of automobile manufacturing. The hosts also address a potential future where 401k plans could be reevaluated by the government, examining the implications for savers and the overall economy. Lastly, the episode delves into lifestyle planning for retirement, emphasizing the importance of finding a new purpose, staying socially, physically active, and planning for unexpected scenarios. The dialogue concludes with personal recommendations and a candid discussion about fast food choices and prices, offering a light-hearted reflection on the accessibility and costs of convenience meals in today's economy. 01:35 The Bitcoin Boom: A Deep Dive into Cryptocurrency Trends 03:31 Inflation and Economic Trends: Navigating the Financial Landscape 07:10 Apple's Project Titan Cancellation: Shifting Focus from Cars to AI 11:58 The Future of 401k Plans: Debunking the Myths 17:03 Beyond the Numbers: Embracing the Lifestyle Shift in Retirement 22:59 Finding Purpose in Retirement 29:11 The Importance of Continuous Learning and Growth 31:21 Financial Planning for Retirement: Preparing for the Unexpected 32:37 Setting Goals and Planning for a Successful Retirement 35:04 Evermont Recommends: Air Fryers, Fast Food, and Birthday Wishes for Brent Connect with Evermont Wealth: __ __
The Retirement Plan Playbook podcast, hosted by Brent Pasqua, Matthew Theal, and Joshua Winterswyk of Evermont Wealth, explores investment strategies, retirement planning, and current events. They aim to equip listeners with insights to build a robust retirement playbook that can adapt to any political or economic climate. This episode discusses the stock market, interest rates, inflation in relation to the Federal Reserve's decisions, and the influence of tech companies Nvidia and Super Microcomputer on the stock market. They also touch upon a major acquisition by Capital One and delve into the complexities of making deductible IRA contributions. 00:36 Hosts' Casual Conversation and Personal Stories 03:08 Deep Dive into the CPI and Inflation 05:32 Nvidia's Earnings and Impact on the Market 09:03 Super Microcomputer: A New Player in the Market 11:41 Capital One's Acquisition of Discover Card 14:15 Jeff Bezos Selling Amazon Stock: An Analysis 17:33 Understanding IRA Contributions 18:54 The Impact of Roth IRA Contributions on IRA Eligibility 19:37 The Potential of Splitting IRA and Roth Contributions 23:59 Understanding the IRA Contribution Eligibility for Married Couples 27:06 Evermont Recommends: TV Shows and MLS Season Connect with Evermont Wealth: __ __
In this episode of the Retirement Plan Playbook, hosts Brent Pasqua, Matthew Theal, and Joshua Winterswyk discuss the concept of sequence risk in retirement planning. Sequence risk refers to the risk of receiving lower or negative returns early in a period when retirees begin to withdraw money from their retirement funds. They examine how strategies like portfolio diversification, maintaining a bigger cash reserve, and hiring a financial planner can mitigate sequence risk. Nevertheless, they caution against relying on annuities, as they often yield poor returns. 00:02 Introduction to the Retirement Plan Playbook 02:21 Impact of Southern California’s Rain Storm 03:38 Discussing Federal Reserve Meeting and Interest Rates 09:03 Exploring the Influence of Tech Companies on Economy 13:24 Deep Dive into Sequence Risk and Retirement Planning 23:28 The Impact of Market Downturns on Retirement Portfolios 26:14 Strategies to Mitigate Sequence Risk 28:19 The Importance of Detailed Planning and Clear Communication 28:36 The Fear of Missing Out (FOMO) in Investment Decisions 29:30 The Controversy Surrounding Annuities 34:11 The Role of Financial Advisors in Retirement Planning 35:35 The Importance of Proactive Planning and Review 37:24 The Importance of Tax Planning in Retirement 38:35 Final Thoughts on Sequence Risk and Retirement Planning 40:46 Recommendations and Concluding Remarks Connect with Evermont Wealth: __ __
On this episode of The Retirement Plan Playbook, hosts, Brent Pasqua, Matthew Theal, and Joshua Winterswyk of Evermont Wealth, discuss the 4% withdrawal rule, a guideline that helps to craft a sustainable retirement plan. The rule suggests that retirees can withdraw 4% of their portfolio every year during retirement, adjusting for inflation subsequently, and the portfolio should, theoretically, last for 30 years. However, the participants emphasize the complexity of the rule and the dynamic nature of the planning based on lifestyle, market conditions, taxes, and unforeseen needs. They also debate the rule’s limitations and potential misapplications, presenting a case for a personalized approach to financial management. 00:02 Introduction to the Retirement Plan Playbook 00:55 Discussion on the 4% Withdrawal Rate 01:41 Super Bowl Excitement and Predictions 04:06 Exploring the New Apple Vision Pro 08:53 Netflix's Entry into Live Sports 12:12 Understanding the 4% Rule for Retirement 21:58 The Bowling Alley Analogy: Guardrails in Financial Planning 22:31 The Importance of Flexibility in Retirement Income Planning 26:34 The Challenge of Conservative Investment and Income Approaches 28:09 The Art of Retirement Planning: Individualizing the Approach 30:33 The Impact of Taxes on Retirement Withdrawals 32:01 The Importance of Regular Financial Review and Planning 35:16 Final Thoughts on the 4% Rule and Retirement Planning Connect with Evermont Wealth: __ __
In this episode of the Retirement Plan Playbook podcast, Brent Pasqua, Matthew Theal and Joshua Winterswyk, of Evermont Wealth, discusses the company's rebranding in order to build stronger brand recognition and better align with their vision for the future. The podcast also recaps market trends from 2023. An optimistic year that defied bearish predictions, major indexes like the S&P 500 and the Nasdaq saw returns of over 24 and 43% respectively. Despite challenges like increased layoffs in a variety of sectors and potential inflation, the overarching strategy remains passive investing. In terms of what could stall the ongoing rally, factors such as increased inflation, economic slowdown, and escalation of global conflicts were identified. The episode also highlights the approval of Bitcoin ETFs as a revolutionary step which could steer retirement planning in 2024. Brent shares his personal plan to continue building on AI-focused stocks, reflecting a widespread optimism towards AI's future. The episode concludes with some personal anecdotes and well wishes for a great year ahead. 00:01 Introduction and Welcome Back 00:28 Discussing the Rebranding from RPA to Evermont 02:46 The Importance of a Good Company Name 04:00 The Journey to the New Brand Name: Evermont 06:28 The Significance of the New Logo 06:49 Reflecting on the Rebranding Process 08:28 The Impact of the Rebranding on the Company's Future 10:45 Recapping the Market Performance in 2023 12:54 Investing Lessons from 2023 16:23 Investing Trends for 2024 21:02 Favorite Purchases of 2023 23:03 Discussing a Recent Concert Experience 23:38 Sharing Favorite NFL Team Experiences 24:46 Office Remodeling and Family Trip to Disney World 25:47 Reflecting on the Value of Experiences Over Materialistic Purchases 26:50 Predicting Market Trends for 2024 29:58 Changes in Retirement Planning in 2024 34:14 Personal Investment Strategies for 2024 38:50 Anticipated Big Purchases for 2024 42:01 Closing Thoughts and Wishes for a Prosperous Year Connect with Evermont Wealth: __ __
In this episode, we provide a comprehensive review of the financial market's performance over the past quarter. We begin with a discussion on: __ __ In our Retirement Planning Corner, we provide an overview of: __ __ We also share our personal investment strategies and financial planning goals, offering insights into: __ __ Whether you're a seasoned investor or just starting out, this episode is packed with valuable insights and expert analysis on the latest market trends and financial planning strategies. Connect with RPA Wealth Management: __ __
Are you tired of earning 0% interest on your cash? Do you want to know how to make your money work for you and earn up to 5.00% APY on the cash in your bank account? In this episode, we will discuss the best ways to earn interest on your cash, even if it's earning 0%. We will cover everything from high-yield savings accounts to CDs to money market funds. So whether you have a little bit of cash or a lot, we have something for you. Matthew, Brent, and Joshua discuss: __ __ Resources: Connect with RPA Wealth Management: __ __
The idea of retiring may seem like a distant dream, but it’s important to remember that it is never too early to start planning for it. In this episode, RPA Wealth discusses a topic that many soon-to-be retirees are facing: how to maintain financial security in retirement while changing retirement goals. The current economic climate is forcing many individuals and families to reassess their retirement plans and make necessary adjustments, so how do you go about making these adjustments and how can you tell when the adjustments need to be made in the first place? Matthew, Brent, and Joshua discuss: __ __ Resources: __ __ Connect with RPA Wealth Management: __ __
The state of the housing market continues to evolve, but one question Americans keep asking themselves remains constant: Should I be selling or buying a home right now? In this episode, RPA Wealth delves into the state of the housing market in California and how interest rates are affecting it. The episode begins with an overview of the current state of the housing market and a discussion about what is contributing to the high demand for housing. Matthew, Brent, and Joshua discuss: __ __ Resources: __ __ Connect with RPA Wealth Management: __ __
The Silicon Valley bank issue, the future of the automotive industry, and the constant rise of inflation are making the heads of Americans spin! Needless to say, there’s a lot going on in the financial world right now, and RPA Wealth is ready to dive right into it. In this episode, Matthew Theal, Brent Pasqua, and Joshua Winterswyk discuss some of the hottest headlines in the financial industry by sharing their insights, making educated predictions, and so much more! Matthew, Brent, and Joshua discuss: __ __ Resources: __ __ Connect with RPA Wealth Management: __ __
Preparing yourself financially for retirement is important, but have you ever thought about how you can prepare yourself physically for retirement? In this episode, Marissa Almendarez is on the show to discuss the different ways you can start implementing physical activity into your day, whether you are in your 20s, 50s, and even 80s! Marissa discusses: __ __ Resources: __ __ Connect with Marissa Almendarez: __ __ Connect with RPA Wealth Management: __ __ About our Guest: Marissa is a fitness expert and a personal trainer who's been helping people achieve their fitness goals since 2011 with a passion for healthy living and a desire to help people find balance. Marissa believes that fitness is a lifelong journey and strives to make sustainable changes in her clients' lives. She co-founded an event called Climb for a Cure in 2015 which later became the nonprofit, Make Good Moves, and has helped raise more than $100,000 for stage four metastatic breast cancer research awareness and patient and family support. Marissa's also a successful entrepreneur and mentor to a team of close to over a hundred trainers, and she works through the Self-Made West Covina and Self-made Chino Hills, where she co-owns those gyms. She has a limited personal training clientele and co-hosts the Mixtape Talks podcast and social events. Marissa recently became a mom and credits her healthy pregnancy and recovery to a lifestyle she has created for herself since 2011.
Are you looking for a retirement plan that can provide stability and consistent income? Look no further than bond ladders! In this gripping podcast episode, financial experts Matthew Theal, Brent Pasqua, and Joshua Winterswyk dive deep into the world of bond ladders, revealing everything you need to know to make an informed decision for your retirement plan. In this episode: __ __ Resources: __ __ Connect with RPA Wealth Management: __ __
Tax season is just around the corner, and it can be stressful for many. As tax season rapidly approaches, the mere thought of it may trigger anxiety for many. But fear not, because, in this highly informative episode, you'll hear from tax expert Amber M. Storms, EA, alongside financial advisors Matthew Theal, Brent Pasqua, and Joshua Winterswy. They’ll equip you with the essential knowledge and valuable strategies to successfully maneuver through this tax season. Get ready to learn about crucial dates and deadlines, potential pitfalls to avoid, and savvy deductions that can significantly lower your tax bill. Don't miss out on this empowering episode to take control of your taxes and feel confident about your financial future. In this episode: __ __ Resources: __ __ Connect with Amber: __ LinkedIn: Amber Moore EA https://www.linkedin.com/in/amber-m-storms-e-a-296a9a20/ __ Connect with RPA Wealth Management: __ __ About Amber: Amber M. Storms, EA, has been providing tax preparation, advocacy, and planning for 11 years. As an Enrolled Agent, she has the highest credential awarded by the IRS, can practice in any state, and can represent any taxpayer before the IRS. Amber understands that taxes can be overwhelming, and her goal is to help clients navigate the process by breaking down complex subjects into plain language. She sees each taxpayer’s situation as unique and is intent on finding a personalized solution for each client. Amber is a member of the California Society of Enrolled Agents, Inland Empire Chapter. She has volunteered for the VA Loma Linda and California Emergency Nurses Association.
Retirement brings the opportunity to travel to some of the most amazing places you didn’t have the chance to see during your working days. And now, we want to help you plan your dream getaway. In this episode, Matthew Theal, Brent Pasqua and Joshua Winterswyk talk with Kaitlan Whitteberry, a luxury travel agent at SmartFlyer about her insights on how to make the most of your golden years by planning the ultimate vacation. She also shares some traveling tips for enjoying your vacation. Kaitlan discusses: __ __ Resources: __ __ Connect With RPA Wealth Management: __ __ Connect With Kaitlan Whitteberry: __ __ About Our Guest: Kaitlan Whitteberry, founder of WHIT TRAVEL Co., has been exploring the globe since she was a young child, and her love for the wondrous corners of this world has only grown stronger with time. After a summer abroad, and ticking country number 30 off her list, she knew she wanted to share her knowledge with others as passionate about the world as she is. She is dedicated to creating bespoke travel experiences for each of her clients, and focuses on crafting trips which highlight the features that make each destination sing. The team at WHIT TRAVEL believes that the world is meant to be explored, and we want to help you get there. Whether there is surfing on a sunny beach in Bali or strolling through a souk market in Morocco. We live for the love of travel.
A new year, and a new financial outlook! Bringing in the new year means it’s time for RPA Wealth Management to make some 2023 financial predictions. In this episode, Matthew Theal, Brent Pasqua and Joshua Winterswyk discuss the recently passed Secure Act 2.0, 2023 interest rates, and what investors can expect entering a new year during a bear market. Matthew, Brent, and Joshua discuss: __ __ Resources: __ __ Connect with RPA Wealth Management: __ __
2022 was a year full of financial highs and lows that a lot of people felt through their bank accounts. In this episode, Matthew, Brent and Joshua recap the financial year of 2022 and use this information to help you better understand what you can expect in the new year. Matthew, Brent, and Joshua discuss: __ __ Resources: __ __ Connect With RPA Wealth Management: __ __
You’ve found it. Everything you need to know about real estate investing, all in one place. In this episode, Matthew, Brent, and Joshua, talk with Jay Frank, President of Cantor Fitzgerald Asset Management, to discuss everything you should know about real estate investing including what you should know as a landlord, what a delaware statutory trust is, and so much more! Jay discusses: __ __ Resources: __ __ Connect With RPA Wealth Management: __ __ Connect With Jay Frank: __ __ About Our Guest: Jay Frank is the president of Cantor Fitzgerald Asset Management and Chief Operating Officer of Cantor Fitzgerald Investment Management. Jay has spent the last 16 years focused on the real estate assets and alternative investment industries. He works closely with financial advisors on the implementation of sophisticated real estate solutions, including 1031 exchanges and tax deferred exchanges.
With the likelihood of a recession almost certain and most households having some amount of credit card debt, building effective financial strategies is more important than ever. In this episode, Matthew Theal, Brent Pasqua and Joshua Winterswyk focus on financial planning tips for the new year. They share some of their favorite strategies to increase investment returns, ensure families are financially protected and decrease taxable income through investment and retirement tax returns. Matthew, Brent, and Joshua discuss: __ __ Connect With RPA Wealth Management: __ __
There is a lot going on in the stock market and investing industry right now. That’s why we are your go-to resource when it comes to the hot take headlines in the investing world. In this episode, Matthew Theal, Brent Pasqua and Joshua Winterswyk discuss some of the most relevant headlines you should know as you head into the holiday season and as you monitor your portfolio. Matthew, Brent, and Joshua discuss: __ __ Connect with RPA Wealth Management: __ __
Unfortunately, the chances of you needing medical attention increase as the years progress. So what can you do to prepare for this? In this episode, Matthew Theal, Brent Pasqua and Joshua Winterswyk talk with Laurie Boatman, a licensed, trained and certified independent insurance agent to discuss the topic of Medicare. She will help you better understand the Medicare enrollment process whether you are approaching the retirement age or preparing for medical expenses that may come up. Laurie discusses: __ __ Resources: __ __ Connect with RPA Wealth Management: __ __ Connect with Laurie Boatman: __ __ About Our Guest: As a licensed, trained, and certified agent with major insurance companies, Laurie helps make the transition to Medicare easy to navigate and understand! Laurie provides the knowledge so you can make the best choice for you and your situation. Trying to decide between Medicare only, a Medicare Advantage plan, or a Medicare/Medigap Supplemental plan. What about Prescription Drug plans? What starts out as stressful, and confusing, becomes clear and simple! Laurie is here to help answer your questions and walk you through the process. It is of great value to seek help from an agent who specializes in Medicare that will guide you, whether you are just turning 65 or after.
As we’ve said before, everyone is feeling the effects of inflation. But who is inflation affecting the most? In this episode, Matthew Theal, Brent Pasqua and Joshua Winterswyk discuss some key updates about recent increases in Social Security and Medicare and some statistics about how the stock market did in the second quarter of 2022. Matthew, Brent, and Joshua discuss: __ __ Resources: __ __ Connect with RPA Wealth Management: __ __
Things are changing very quickly in the stock market. So what can you do to enhance your portfolio’s performance in such an unpredictable time? In this episode, Matthew Theal, Brent Pasqua and Joshua Winterswyk discuss the recent news about housing market interest rates, the consumer price index, and the longer than average downturned stock market. Matthew, Brent, and Joshua discuss: __ __ Resources: __ __ Connect with RPA Wealth Management: __ __
How can you prepare yourself and your family for a financial market correction? In this episode, Matthew Theal, Brent Pasqua and Joshua Winterswyk discuss the top five issues to consider during a financial market correction. They will also share some strategies to help you out when it happens. Matthew, Brent, and Joshua discuss: __ __ Resources: __ __ Connect with RPA Wealth Management: __ __
How do we talk to our parents about their finances? Asking questions related to money can be difficult even if it's your own family, but it shouldn't be. At a certain point, we are most likely going to be in charge of our parents' money and making financial decisions for them. So, what do you think is the ideal age to start this conversation with your parents? In this episode, Matthew Theal, Brent Pasqua, and Joshua Winterswyk explain the several things we should know about our parents' finances to help them in the future. Matthew, Brent, and Joshua discuss: __ __ Resources: __ __ Connect with Client: __ __
In recent years, the real estate market has been on fire, but now it seems to be cooling down. Do you know why this is happening? In this episode, founder and real estate agent of Coldwell Banker Blackstone Realty, Kelli Vanevenhoven, discusses the current state of the real estate market and what it means for you and your current financial situation. Kelli discusses: __ __ Resources: __ __ Connect with Client: __ __ Connect with Kelli Vanevenhoven: __ __ About our Guest: Kelli Vanevenhoven is the founder and real estate agent of Coldwell Banker Blackstone Realty who is extremely versed in the real estate market. Kelli is passionate about helping people reach their goals. Kelly has been serving in the Southern California marketplace for over two decades and has closed over 300 million in real estate transactions. Kelli specializes in luxury homes, REO sales, relocation, first-time home buyers, and the training of new real estate professionals.
The word “fiduciary” gets tossed around a lot in the financial advising industry. So what does it actually mean and what difference do they make in your financial planning process? In this episode, Matthew Theal, Brent Pasqua and Joshua Winterswyk discuss what the difference is between a fee-only financial advisor and all other financial advisors and what value a fiduciary fee only financial advisor can add to your financial planning process. Matthew, Brent, and Joshua discuss: __ __ Resources: __ __ Connect With RPA Wealth Management: __ __
2022 has been far from a regular year, as have the past three years. The war in Ukraine, the after effects of Covid-19 on the economy, and talks of a recession all makes 2022 a very unusual year. But how have these events affected you and your finances? In this episode, Brent, Matthew, and Joshua discuss some of the most talked about events of 2022 and explain how they have impacted the everyday lives of Americans, just like you. Brent, Matthew, and Joshua discuss: __ __ Resources: __ __ Connect with RPA Wealth Management: __ __
A lot of people are panicking every time they check their portfolio these days. There is no need for this, in fact, you should just be riding the wave. In this episode, Matthew Theal, Brent Pasqua, and Joshua Winterswyk share their insight about the cryptocurrency meltdown, the housing market, and interest rates. They also discuss how their predictions about them can influence you in the coming months and years. Matthew, Joshua, and Brent discuss: __ __ Resources: __ __ Connect with RPA Wealth Management: __ __
Unless you have been living under a rock for the past few months, you have noticed the intense effects of inflation. In this episode, Brent Pasqua, Matthew Theal, and Joshua Winterswyk discuss the state of the stock market as of June 2022 and highlight what a downturned market has meant for investors throughout history. Brent, Matt, and Joshua discuss: __ __ Resources: __ __ Connect With RPA Wealth Management: __ __
