Rockin’ Retirement with J’Neanne Theus
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We’re answering some listener questions today as we open the mailbag and cover a few scenarios that require some financial decision making. Among the topics we’ll get J’Neanne’s thoughts and perspective on include: __ __ This should be an informative episode covering a wide range of financial planning conversations that we have with people all the time. If you have something you’d like to as J’Neanne, drop a comment below. Here’s some of what we discuss in this episode: 0:00 – Intro 1:25 – Question 1 7:11 – Question 2 10:47 – Question 3 Connect with us: https://theuswealthadvisors.com/ Get your free toolkit: https://u3ehfk92.pages.infusionsoft.net/ Schedule your analysis: https://theuswealthadvisors.com/schedule/ Want to learn more about financial planning? Subscribe to our YouTube channel and you won't miss a video ➟ https://bit.ly/3XKgOxu
In today’s show, we’re going to be talking about the Gray New Deal and the need for retirement reform. The idea to create job and pension improvements might be a little surprising to some, but the author of Work, Retire, Repeat: The Uncertainty of Retirement in the New Economy makes some really interesting points. Here’s some of what we discuss in this episode: 0:00 – Intro 1:47 – Issues we’re facing 7:08 – Policy changes 9:58 – Social programs 12:00 – Taxes Check out the article we referenced: https://finance.yahoo.com/news/working-longer-won-t-solve-174400601.html Connect with us: https://theuswealthadvisors.com/ Get your free toolkit: https://u3ehfk92.pages.infusionsoft.net/ Schedule your analysis: https://theuswealthadvisors.com/schedule/
In this episode, we’ll talk about how women can gain more confidence with their finances. As more women take a proactive approach to money, we want to help them feel comfortable about what they’re doing. We’ll also talk about debt as well as solutions to help women be better prepared for retirement. Here’s some of what we discuss in this episode: 0:00 – Intro 1:10 – Debt 7:38 – Lack of financial confidence Connect with us: https://theuswealthadvisors.com/ Get your free toolkit: https://u3ehfk92.pages.infusionsoft.net/ Schedule your analysis: https://theuswealthadvisors.com/schedule/ Want to learn more about financial planning? Subscribe to our YouTube channel and you won't miss a video ➟ https://bit.ly/3XKgOxu
In this episode, we’ll share some eye-opening statistics and actionable advice to empower women in their financial journey and we’ll do it as a two-part conversation. This first show will focus on the challenges facing women as it relates to the pay gap. Plus, what can you do if you get divorced or become widowed and find yourself having to manage all the finances on your own? Here’s some of what we discuss in this episode: 0:00 – Intro 2:46 – Gender pay gap 6:56 – Divorce 12:11 – Widows Connect with us: https://theuswealthadvisors.com/ Get your free toolkit: https://u3ehfk92.pages.infusionsoft.net/ Schedule your analysis: https://theuswealthadvisors.com/schedule/ Want to learn more about financial planning? Subscribe to our YouTube channel and you won't miss a video ➟ https://bit.ly/3XKgOxu
We’ve been getting questions lately from people with a lot of money sitting on the sidelines. They’re waiting to jump back in the stock market when they feel comfortable but timing the market is incredibly difficult. Today J’Neanne will break down why this is the case and explain what you should be doing from an individual standpoint if you have substantial cash on the sideline. Here’s some of what we discuss in this episode: 0:00 – Intro 0:51 – What’s behind this trend 3:13 – Risk tolerance 4:16 – What should you do with cash? Connect with us: https://theuswealthadvisors.com/ Get your free toolkit: https://u3ehfk92.pages.infusionsoft.net/ Schedule your analysis: https://theuswealthadvisors.com/schedule/ Want to learn more about financial planning? Subscribe to our YouTube channel and you won't miss a video ➟ https://bit.ly/3XKgOxu
On this episode, we’ll try to separate sensationalism from reality by covering the top financial concerns that people have. Should you worry that these apocalyptic predictions will eventually come true? Let’s talk about why or why not these fears are warranted. Here’s some of what we discuss in this episode: 0:00 – Intro 1:03 – Social Security will go broke 4:28 – Future tax rates 7:07 – Climate change 9:01 – Inflation 10:16 – High interest rates 11:33 – Making good financial decisions Connect with us: https://theuswealthadvisors.com/ Get your free toolkit: https://u3ehfk92.pages.infusionsoft.net/ Schedule your analysis: https://theuswealthadvisors.com/schedule/ Want to learn more about financial planning? Subscribe to our YouTube channel and you won't miss a video ➟ https://bit.ly/3XKgOxu
Navigating the world of long-term care insurance can be daunting, especially if you're single and without children. In today’s video, we’ll explore why long-term care insurance might be a crucial part of your retirement planning. We'll explore what it covers, when to consider buying it, and how it fits into your solo journey toward a secure and independent future. So let’s jump in and answer the question of whether you need long-term care insurance if you are single and childless. Here’s some of what we discuss in this episode: 0:00 – Intro 1:00 – What does LTC cover? 2:54 – Who will care for you? 4:58 – Buying LTC insurance 9:52 – Common LTC triggers Connect with us: https://theuswealthadvisors.com/ Get your free toolkit: https://u3ehfk92.pages.infusionsoft.net/ Schedule your analysis: https://theuswealthadvisors.com/schedule/ Want to learn more about financial planning? Subscribe to our YouTube channel and you won't miss a video ➟ https://bit.ly/3XKgOxu
In today's show, we're focusing on a critical aspect of retirement planning: healthcare costs. How well-prepared are you to handle medical expenses after you retire? We'll discuss everything from Medicare complexities to strategies for managing unexpected health-related expenses. Tune in as we break down the essentials of healthcare financial planning for retirees. Here’s some of what we discuss in this episode: 0:00 – Intro 1:53 – How prepared is the average pre-retiree? 6:05 – Most common expenses 9:08 – Prescriptions 14:43 – Long-term care insurance 17:50 – Strategies we utilize Connect with us: https://theuswealthadvisors.com/ Get your free toolkit: https://u3ehfk92.pages.infusionsoft.net/ Schedule your analysis: https://theuswealthadvisors.com/schedule/ Want to learn more about financial planning? Subscribe to our YouTube channel and you won't miss a video ➟ https://bit.ly/3XKgOxu
Join us as we unpack our 2023 edition of key year-end planning strategies for those nearing or embracing their retirement years. We'll explore the nuances of optimizing your investment portfolio, safeguarding your assets, and ensuring a stable, rewarding lifestyle in the years to come. Here’s some of what we discuss in this episode: 0:00 – Intro 2:59 – General planning and investing strategies 5:12 – Tax Planning 8:00 – Health insurance 11:56 – Income and lifestyle 17:13 – Real estate assets 20:08 – Technology and cybersecurity 23:29 – Generational wealth considerations Connect with us: https://theuswealthadvisors.com/ Get your free toolkit: https://u3ehfk92.pages.infusionsoft.net/ Schedule your analysis: https://theuswealthadvisors.com/schedule/ Want to learn more about financial planning? Subscribe to our YouTube channel and you won't miss a video ➟ https://bit.ly/3XKgOxu
Are we on the brink of a retirement renaissance or stormy seas ahead? On this episode, we jump into the pressing issues of Social Security, healthcare, taxes, stock market trends, and long-term care. Here’s some of what we discuss in this episode: 0:00 – Intro 2:55 – Half full or half empty? 5:32 – Social Security 10:19 – Healthcare affordability 14:25 – Tax rates the next decade 19:23 – Long-term care options 23:43 – Stock market Connect with us: https://theuswealthadvisors.com/ Get your free toolkit: https://u3ehfk92.pages.infusionsoft.net/ Schedule your analysis: https://theuswealthadvisors.com/schedule/
Retirement is a unique journey for each of us. The thought that there's a one-size-fits-all solution is a myth, but what if we told you there are certain universal truths that can guide every retiree? Today we’re going to tell you about the things that everyone will need to take into account when planning for their retirement. We all might address them in our own personal way, but all of these universal truths need to be factored into retirement. Plus, we’ll dive into an article we found on artificial intelligence and its role in financial planning. Can it provide you with enough guidance to replace a human financial advisor? We’ll share the results on the show and get J’Neanne’s thoughts on the role AI can play in planning. We’ll also find out what J’Neanne feels is the most beautiful place she’s ever visited during our getting to know segment, and we’ll close the show out with a great question about how much is okay to spend on a forever home in retirement. There’s a lot to discuss today so let’s get started! Here’s some of what we discuss in this episode: 0:00 – Intro 2:02 – AI vs Financial Advisor 11:48 – Universal retirement truths 23:10 – Getting to Know J’Neanne – Most beautiful place to visit 26:25 – How much is too much to spend on our forever home? 34:34 – 7 Secrets to a Smart Retirement Connect with us: https://theuswealthadvisors.com/ Get your free toolkit: https://u3ehfk92.pages.infusionsoft.net/ Schedule your analysis: https://theuswealthadvisors.com/schedule/
Ever heard of the domino effect? Well, in retirement planning, just one misstep can topple your entire future. Today, we'll explore the key areas that need careful attention to ensure a solid retirement plan. We’ve identified five potential financial pitfalls that can lead to additional problems for you in retirement, but J’Neanne will share some tips on how to avoid these common problems. Here are some of the things you’ll learn in this episode: 0:00 – Intro 1:41 – Possibility of outliving your money 4:34 – The creep of inflation 9:10 – Expense of a nursing home stay 13:46 – Volatility of the stock market 14:50 – Threat of rising taxes 17:08 – Getting to Know J’Neanne 20:01 – Listener question Connect with us: https://theuswealthadvisors.com/ Get your free toolkit: https://u3ehfk92.pages.infusionsoft.net/ Schedule your analysis: https://theuswealthadvisors.com/schedule/
This show is all about understanding the crucial role of income analysis. We'll uncover the secrets of guaranteed income versus the uncertain stuff and shed light on the consequences of retiring without a clear income plan. Don't worry if you're feeling lost - we've got your back with practical solutions and expert guidance. Plus, we’re going to get J’Neanne’s perspective on the prevalence of scams and how she’s helping her clients navigate them. Then we’ll learn more about J’Neanne away from the office and we’ll close out the show with a few of your financial questions. Here are some of the things you’ll learn in this episode: 0:00 – Intro 1:34 – Let’s talk types of scams 7:52 – What we tell clients 11:46 – Getting to Know J’Neanne 18:09 – Importance of retirement income 21:46 – Diversity of revenue streams 25:39 – Guaranteed vs non-guaranteed income 33:00 – Mailbag questions Watch 'What happens when you reply to spam' video - https://www.youtube.com/watch?v=4o5hSxvN_-s Connect with us: https://theuswealthadvisors.com/ Get your free toolkit: https://u3ehfk92.pages.infusionsoft.net/ Schedule your analysis: https://theuswealthadvisors.com/schedule/
We’re back and busier than ever for our first episode of the newly launched Rockin’ Retirement show. We have a lot to cover in this show with a primary focus on the five big money mistakes that people make in retirement. But we’re also going to address the concern that Social Security is going broke and answer the financial questions you’ve sent us. Here are some of the things you’ll learn in this episode: 0:00 – Intro 2:31 – Headlines: Is Social Security Going Broke? 9:03 – Money mistake 1: Taking Social Security too early 11:45 – Money mistake 2: Taking Advice from Friends and Family 15:13 – Money mistake 3: Failing to Review and Update Your Plan 18:10 – Money mistake 4: Assuming You Won’t Live That Long 22:08 – Money mistake 5: Sequence of Returns Risk 25:05 – Answering your financial questions Connect with us: https://theuswealthadvisors.com/ Get your free toolkit: https://u3ehfk92.pages.infusionsoft.net/ Schedule your analysis: https://theuswealthadvisors.com/schedule/
Coming up on this edition of Your Financial Mission, we are talking about SDBAs. We will discuss what they are, their benefits, their cons, and how they are used. If you’re a doctor or a defense contractor, you have probably seen it inside your plans or portfolio. SDBAs (Self Directed Brokerage Accounts) are essentially a sleeve on the 401k or 403b that allows you to self-direct. Listen to the episode to learn more about how they may benefit you. Here's some of what you will learn from today's mission: __ __ 7 Secrets To A Smart Retirement Plan Toolkit: https://bit.ly/3Njh9SI Learn More: https://theuswealthadvisors.com/ Connect with us: info@theuswealthadvisors.com Call our office: (443) 718-6310
There is a lot of noise in the media about bonds currently. Many are wondering if they should stay in bonds, how safe bonds actually are, and what voices they should listen to for advice. Every situation is different, so you should always speak to an advisor. Today, we will try to address the basics of bonds, and some of the common concerns surrounding them. Let’s dive in and see if bonds may still be worth your while. Here's some of what you will learn from today's mission: __ __ 7 Secrets To A Smart Retirement Plan Toolkit: https://bit.ly/3Njh9SI Learn More: https://theuswealthadvisors.com/ Connect with us: info@theuswealthadvisors.com Call our office: (443) 718-6310
In this episode, we’re going to share stories with you of times when emotions like fear, greed, and pride led someone astray in their financial decisions. We’ll even cover the role of positive emotions like hope and joy in retirement planning. If you want to better understand and control your emotions to experience a better financial future, then this is the show for you. Our goal is to give you the tools to navigate these emotions to you can make the right decisions, without being led by emotions. Here's some of what you will learn from today's mission: __ __ Learn More: https://theuswealthadvisors.com/ Connect with us: info@theuswealthadvisors.com Call our office: (443) 718-6310
“Knowing what we know now…” is a phrase you hear a lot, especially lately. If you knew ahead of time, what would you do differently? What can we learn from these financial mistakes? We reflect and talk about the lessons learned on today's episode. Today's show schedule: 1:46 - Being too scared meant too conservative with investments. 2:50 - Too much risk you didn’t realize until the market crash. 4:04 - Misunderstanding Social Security can cause panic later on. 5:23 - Wishing you put more money in Roth IRAs. 7:01 - Retiring too early and needing to go back to work.
When you work with a financial advisor, you’re likely coming to them for financial advice and expertise. But what about that saying, “the customer is always right”? Is that still true? Today's show schedule: 1:42 - “I think I can time the market.” 3:19 - “I know what I want to invest in, just pick the funds for me.” 5:04 - “I don’t need to spend the money on life insurance or long-term care.” 6:35 - “The fees are too high!” 8:23 - “My accounts are down right now, this isn’t working.”
You can’t believe everything you hear, right? What statements and concepts in the financial world should you take with a grain of salt? Can you tell what’s marketing and what’s real? Today's show schedule: 1:29 - “We can beat the market.” 2:57 - “There are no fees!” 4:07 - “There’s no risk!” 5:34 - “Taxes will be lower in retirement.” 7:02 - “Never pay off your house early when interest rates are low.” 10:53 - “It’s just a paper loss.”
We’re living in a unique period of time where uncertainty seems to be the driving force across many sectors. The health crisis has forced us all to make changes to our daily lives and our finances, and that has a lot of people thinking about ways to generate predictable income. Let’s explore this idea by looking at ways this is done but identifying reasons why this might not always benefit you. Today's show schedule: 0:48 – Who wouldn’t want a little predictability right now? 1:34 – What retirement income sources appear predictable but might not be? 4:48 – Is there really such a thing as guaranteed income in retirement? 6:23 – J’Neanne shares examples of people who have faced income issues. 8:27 – What do you do if inflation decreases the value of your predictable income? 9:38 - Life events can throw off your plan if don’t prepare correctly.
We’re all doing our best to take the social distancing guidelines to heart by changing the way we’re living right now, but let’s take a break from the seriousness of it all with a lighter discussion on separation. What would that look like if social distancing was applied to your financial planning? Today's rundown: 0:40 – Some background on our topic today. 2:31 – First one: Your emergency fund and the stock market 5:38 – Second one: Life insurance and our investments. 7:42 – Third one: High turnover investment strategies and after-tax brokerage accounts 10:10 – Final one: Your emotions and your investment decisions.
We closed out the month of March with an unprecedented month in the stock market as the coronavirus caused fear and uncertainty throughout the country. To get a little perspective on what we’re witnessing, let’s take a look back through history at the worst market crashes of all-time. Today's rundown: 1:06 – Black Tuesday in 1929. 2:24 – J’Neanne shares her personal experience of getting hammered by the market during the Dot Com bubble. 3:30 – Panicking in these situations can make things worse. 3:47 – Post 9/11 historical single day decline 4:27 – The Crash of 2008 8:16 – We have clients that don’t care how it works. They just want to know that it will work. 8:36 – A lot of people will try to outpace the market and that’s a critical mistake.
Retirement come in many different forms and we all create our own vision of the day we make that exciting transition. Maybe you’re someone that plans to work as long as you can or you the person that’s ready to retire as soon as possible. We all have a different level of desire when it comes to retirement, and today we’ll span the spectrum with J’Neanne Theus. Today's show rundown: 0:47 – Here’s what our topic is all about. Let’s determine what each of these statements mean. 1:26 – Level 1: ‘I don’t see myself retiring because I love what I do.’ 3:27 – Level 2: ‘I guess I could retire but I don’t hate working so I might as well keep doing it.’ 6:10 – Level 3: ‘I would like to retire in a few years, but I really have no idea when I can.’ 8:04 – Level 4: ‘I always pictured myself working a few more years but retirement is starting to look better and better.’ 11:39 – A lot of people have early buyouts that play into level 4. 13:15 – Level 5: ‘I want to retire tomorrow. If I don’t quit this job right now I’ll have to be put into an asylum.’
Many different types of bias can play a role in the decisions an investor makes and most of the time it results in a negative outcome. Let’s highlight six of the biases that we see clients use for their financial decisions and explain how they affect your portfolio. Today's show rundown: 1:03 – A recent study looked at the ways financial bias impacted investors decisions. 1:37 – Confirmation bias is one we see a lot. 3:13 – Loss-aversion bias is a really big one because we feel the negative 5:28 – We feel losses much more than the gains. 6:36 – Disposition Effect Bias, what does this mean to investing? 7:35 – J’Neanne shares an example of how this impacted a client. 9:12 – Hindsight bias makes you feel like you an event was predictable. 10:13 – Familiarity bias led a lot of people to be hit hard in 2008. 11:55 – Let’s explain self-attribution bias.
A lot of people like to think they’re making decisions based on logic and facts, but the truth is emotions typically play a role in our decision-making process. As you can imagine, we have many strong feelings when it comes to our money and that can become a problem for your retirement plan. Today's rundown: 0:56 – Let’s talk about emotional decision-making. 1:30 – Which emotions are likely to drive financial decisions? 3:02 – Fear also keeps people from getting back into the market. 4:47 – Greed is another driving factor, especially when things are going well. 5:32 – Quit letting those emotions control your decisions when it comes to finances. 6:05 – Both genders react differently at times but we all have confirmation bias and pay attention to the info that supports our opinions. 7:06 – We can’t completely shut off emotions so when is it okay to let them push us in a certain direction? 8:07 – Aversion bias is another thing we deal with. 9:01 – J’Neanne shares an example of a time she was able to make the math match the emotions for a client.
Most of us have very little experience with inheritances. Would you even what steps to take after receiving money or property? Today we’ll identify the mistakes people make when preparing an estate plan, what you should do if you receive an inheritance, and talk about other things you should consider. Today's rundown: 0:52 – We want to spend some time on inheritance today. 1:20 – Most of us don’t have any experience to draw on when it comes to handling inheritances. 2:22 – The first issue many people worry about is taxes. What do we need to know on that front? 5:06 – How much has the SECURE Act changed the way people are planning? 6:52 – What are some common mistakes people make with their estates that make it more difficult for their beneficiaries? 8:27 – J’Neanne shares a story of someone who died before changing beneficiaries. 9:20 – What about the common mistakes people make after receiving an inheritance? 12:42 – What are the first steps someone can take when receiving an inheritance? 13:45 – Americans don’t often think about multi-generational planning but a proper advisor can help you with that long-term planning. 16:30 – Here’s the bottomline on what you need to do now.
The focus of our podcast has shifted and today we’re going to tell you why by giving you the background behind the decision, why we feel this new objective is so important, and the goals for the show. Plus, we’ll learn more about J’Neanne’s career and how she got into this career after her time in the military. Show Agenda: 1:30 – Welcome to the new show! 2:30 – Why did the show name change and what’s the meaning behind the new name? 3:10 – J’Neanne’s grandparents had a big influence on her. 4:42 – Our business and show not just about investing but every decision that goes into retirement planning. 6:54 – Who is the ideal listener for this show? Is it just women? 8:29 – Women aren’t prepared well enough for retirement and that’s what we want to focus on. 10:49 – We will also talk about how you can be more of a partner in a relationship. 11:42 – Along the lines of relationships, women can end up in a difficult situation following divorce or death of a spouse. 13:45 – How did J’Neanne get into the financial planning business? 17:28 – A lot of J’Neanne’s family has military and service experience. 19:17 – What do you like most about being in this business? 20:29 – What does a typical weekend look like for J’Neanne?
We all want to stay informed when it comes to investing but it’s more important to make sure the research you’re doing isn’t actually misleading us. Unfortunately, some of the information out there isn’t completely unbiased. Let’s talk about some of the problems with the financial media. Plus, we have a big announcement! Show notes and additional resources: https://theuswealthadvisors.com/2020/01/helping-you-find-bias-in-financial-media/ Today's rundown: 0:56 – We have some news! This is the final mission. 2:51 – Today we’re talking bias in financial media. 3:29 – First bias: Sensationalism 6:06 – Second bias: Paid Placement 9:17 – A common way paid placement happens on radio to build credibility for advisors. 11:03 – Third bias: Wrong Audience 14:08 – Fourth bias: An Axe to Grind 16:40 – What does J’Neanne tell her clients about dealing with these biases?
Not everyone chooses to leave a financial legacy, but if you’re someone who would, then estate planning is crucial. Make it a part of the conversation when you’re working on retirement, but make sure you avoid these critical mistakes. Show notes and additional resources: https://theuswealthadvisors.com/2020/01/estate-planning-mistakes-you-need-to-avoid/ Today's rundown: 0:56 – Happy New Year! How were the holidays? 4:08 – It’s a great time to start talking about your estate plan. 4:59 – How many of J’Neanne’s clients have an interest in leaving an estate? 6:39 – No matter what your plans are, you need to have a plan for your exit. 9:41 – First estate planning mistake: Failing to plan for expenses that can be foreseen, like healthcare. 12:14 – Second mistake: Failing to update beneficiary designations. 13:26 – J’Neanne shares a story of someone that didn’t finish updating his beneficiaries. 15:20 – Third mistake: Failing to take steps to avoid conflict between family and heirs. 17:55 – Fourth mistake: Transferring real estate while living rather than upon death. 20:35 – Final Mistake: Failing to consider the tax obligations of your estate. 23:10 – How often are you discussing estate planning with clients? 27:00 – Remember that your legacy doesn’t always have to be monetary.
