Last Paycheck

In this week's episode of the Last Paycheck Podcast, CFP Professionals Archie Hoxton and Rob Hoxton discuss the common mistakes people make when leaving a job and deciding what to do with their 401(k). They emphasize the importance of staying organized and informed to avoid costly errors. The hosts outline three main options: leaving the 401(k) with the former employer, withdrawing the funds (which can incur significant taxes and penalties), or rolling the balance into a new employer's plan or a rollover IRA. They highlight the potential pitfalls of each option, such as forgetting about the account, incurring unnecessary taxes and penalties, or leaving the funds uninvested in cash. Archie and Rob stress the importance of understanding the specific industry terms and seeking professional guidance to navigate the process and make the best decision for your financial future. If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation           Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com        Watch on YouTube: https://youtu.be/PwKXtO40shY  Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it's excitement, anxiety, or anything in between, this show is for you. Visit: http://www.thelastpaycheck.com    

This episode on YouTube: https://youtu.be/g8qmu0eKQ6Q  ☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com   🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation  Get their book! Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell  - https://hoxtonpm.com/think-ahead-book/ Are bonds boring… or one of the most important investments you can own? CFP Professionals Archie Hoxton and Rob Hoxton break down how bonds really work, why credit quality matters, and how the bond market quietly became larger than the stock market. They cover bond basics, interest rate risk, the role bonds play for retirees and pre-retirees, and how fixed income can provide stability and income when markets get volatile. Along the way, they share examples, including century bonds and the world's oldest bond. If you're nearing retirement or building a diversified portfolio, this episode explains what you need to know about bonds and how they can support your long-term financial plan. Have questions? Drop them in the comments!

This episode on YouTube: https://youtu.be/RUsJToPMMRE  ☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com   🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation  Get their book! Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell  - https://hoxtonpm.com/think-ahead-book/ Is the new federal kids savings account a smart way to build long-term wealth? CFP Professionals Archie Hoxton and Financial Advisor Jimmy Sutch break down the newly proposed federal savings vehicle for children and how it compares to UTMAs, 529 plans, and custodial IRAs. They cover contribution limits, tax treatment, funding flexibility, and strategies for turning early savings into meaningful retirement assets, including potential Roth conversion opportunities. If you're looking for practical ways to give a child or grandchild a financial head start, this episode walks through what you need to know. Have questions? Drop them in the comments — we'd love to hear from you. Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it's excitement, anxiety, or anything in between, this show is for you. Visit: http://www.thelastpaycheck.com   Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

This episode on YouTube: https://youtu.be/aNNl7zB8R2A  ☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com   🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation  Get their book! Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell  - https://hoxtonpm.com/think-ahead-book/ Should you de-risk your portfolio—or is that actually riskier? CFP Professionals Archie Hoxton and Rob Hoxton tackle a question many investors ask during uncertain markets: should I pull back or get out altogether? They explain why moving entirely to cash can create new risks, such as inflation risk, longevity risk, and missed opportunity, and why emotional decision-making often hurts long-term results. They also discuss why market volatility feels so uncomfortable, and how strategies like bucket planning can help provide structure and confidence.  The episode also features their free Investment Alignment Worksheet, created to help you align your investment strategy with your long-term retirement goals - find it here: https://hoxtonpm.com/worksheets/investment-alignment-worksheet/  Have questions about de-risking, retirement, or navigating volatile markets? Drop them in the comments. We'd love to hear from you! Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it's excitement, anxiety, or anything in between, this show is for you. Visit: http://www.thelastpaycheck.com   Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.  

This episode on YouTube: https://youtu.be/TAt1Ru377Xc  ☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com   🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation  Get their book! Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell  - https://hoxtonpm.com/think-ahead-book/ Five things to do before you retire! CFP professionals Rob Hoxton and Archie Hoxton walk through the 5 essential steps you need to take in the final 12 months before your last paycheck. This step-by-step framework helps future retirees avoid costly mistakes and build a retirement plan that actually works in real life. Rob and Archie also explain how retirement changes your cash flow, why flexibility matters, and how to build a plan that can scale up or down with the market—without panic. Questions about how to prepare for retirement? Drop them in the comments! Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it's excitement, anxiety, or anything in between, this show is for you. Visit: http://www.thelastpaycheck.com   Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.  

This episode on YouTube: https://youtu.be/UQhWNRKr-gc  Get ready to finally understand the difference between mutual funds and ETFs. In this episode of the Last Paycheck Podcast, CFP Professionals Archie Hoxton and Rob Hoxton break down one of the most common investing questions they hear: what's the real difference between traditional mutual funds and exchange-traded funds (ETFs)? They walk through how mutual funds originally opened the door for everyday investors, explain the rise of low-cost index funds, and explore why ETFs have surged in popularity. They also unpack key concepts like "in-kind" trading, the role taxes play in long-term investment returns, and when an ETF may (or may not) be a better choice than a mutual fund. Have questions? Drop them in the comments, we'd love to hear from you! ☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com   🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation  Get their book! Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell  - https://hoxtonpm.com/think-ahead-book/ Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it's excitement, anxiety, or anything in between, this show is for you. Visit: http://www.thelastpaycheck.com   Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.  

This episode on YouTube: https://youtu.be/974T8hcG9U0  In this episode of the Last Paycheck Podcast, CFP Professional Rob Hoxton and financial advisor Jimmy Sutch dive deep into one of the biggest questions in financial planning: Should you work with a big brand or a local independent firm?  Drawing on their personal experiences within both large organizations and independent practices, the hosts break down the advantages and challenges unique to each. They discuss how decision-making, compliance, client focus, and fiduciary responsibilities differ between these environments, shedding light on crucial considerations like conflicts of interest, community accountability, and the evolving landscape of independent advisory firms.  Whether you're just starting to look for a financial advisor or considering switching, this episode offers practical insights rooted in decades of experience. Don't miss this candid conversation designed to help you retire and stay that way with confidence. ☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com   🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation  Get their book! Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell  - https://hoxtonpm.com/think-ahead-book/ Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it's excitement, anxiety, or anything in between, this show is for you. Visit: http://www.thelastpaycheck.com   Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.  

This episode on YouTube: https://youtu.be/CsfudwsWhjw  Get ready to learn some fun facts about the stock market. In this episode of the Last Paycheck Podcast, CFP Professionals Archie Hoxton and Rob Hoxton discuss some potentially surprising facts about the stock market that they are pretty sure you don't yet know. Sourced from Goldman Sachs Investment Research, they share some of the long-term performance of the S&P 500, revealing what the average annual return has been since 1945. They discuss why nearly 80 percent of years have been historically positive for investors, and debunk common misconceptions about market ownership. So, if you're an investor or an aspiring investor, this episode will shine a light on facts and misconceptions, making it easier for you to understand this vast world. Any questions? Feel free to comment.   ☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com   🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation  Get their book! Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell  - https://hoxtonpm.com/think-ahead-book/ Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it's excitement, anxiety, or anything in between, this show is for you. Visit: http://www.thelastpaycheck.com   Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.  

This episode on YouTube: https://youtu.be/WLjrMk2gBE4  Who can you trust when it comes to financial planning?  In this episode of The Last Paycheck, CFP Professionals Archie and Rob Hoxton bring some stories from their own experiences as financial planners over the years. This episode features two powerful narratives: one, a cautionary tale about the dangers of taking amateur investment advice, and another, an uplifting account of how thoughtful planning can create lasting legacies and deep personal fulfillment.  In each, the importance of relationships and trust shines through as their clients chose to take financial advice based on these. So, be careful making your financial decisions, know who to trust, and if in doubt, take the Financial Freedom Score quiz available on https://hoxtonpm.com/    ☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com   🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation  Get their book! Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell  - https://hoxtonpm.com/think-ahead-book/ This episode on YouTube: https://youtu.be/NnY0HQjndea  Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it's excitement, anxiety, or anything in between, this show is for you. Visit: http://www.thelastpaycheck.com   Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.  

This episode on YouTube: https://youtu.be/5lQSlOODtPU  Can you save too much money? Archie and Rob say yeah, probably. In this episode of the Last Paycheck Podcast, CFP Professionals Archie and Rob Hoxton discuss the concept of making your money truly meaningful. Drawing from their personal and professional experience, they explore why simply accumulating wealth isn't always fulfilling and how aligning your financial decisions with your core values can lead to a richer, more purposeful life. While using some personal examples, Archie and Rob offer practical wisdom on how to build a financial plan that serves life's bigger goals, whether that's spending more time with loved ones, charitable giving, or creating a legacy. Are you saving for a specific goal or do you have a general objective in mind? What comes after? Share your thoughts in the comments.    ☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com   🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation  Get their book! Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell  - https://hoxtonpm.com/think-ahead-book/ This episode on YouTube: https://youtu.be/NnY0HQjndea  Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it's excitement, anxiety, or anything in between, this show is for you. Visit: http://www.thelastpaycheck.com   Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

Do you even need a financial advisor? If yes, how do you know when to start looking for one? In this episode of the Last Paycheck Podcast, CFP Professional Archie Hoxton and financial advisor Jimmy Such dive deep into the signs that you might be ready to work with a financial advisor. Your financial needs will evolve, and today Archie and Jimmy discuss some of the more complex times in your life that will signal that yes, you may need a professional to help you remain successful. From getting started in your career to grappling with complex life transitions like retirement, estate planning, or navigating special financial circumstances, a financial planner may be a time and anxiety-saving solution that you've been looking for. Whether you're growing your wealth, facing big decisions, or just starting to wonder what a financial advisor can offer, this episode offers clarity on your next steps. Are you already working with a financial advisor? What made you sign up? Tell us in the comments.    ☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com   🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation  Get their book! Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell  - https://hoxtonpm.com/think-ahead-book/ This episode on YouTube: https://youtu.be/zd_jY-wjBQQ  Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it's excitement, anxiety, or anything in between, this show is for you. Visit: http://www.thelastpaycheck.com   Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

Do really tiny choices today really affect your finances in a big way in the future? The answer is yes. Really, it's the butterfly effect, but for your finances. In this episode of the Last Paycheck Podcast, CFP Professionals Rob Hoxton and Archie Hoxton dive deep into the far-reaching impact of financial decisions, both big and small, on your long-term wealth and lifestyle. They will discuss the concept of compounding, not just while investing, but in every single financial choice you make in your life. Think about the hidden costs or value added over time when making small (and large) financial decisions, and make sure they are really worth it to the way you want to live your life. Whether you're planning to retire early or just want to be more intentional with your money, this episode will give you some clarity on the next steps. How often do you consider the cost or value of your financial decisions? Tell us in the comments. ☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com   🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation  Get their book! Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell  - https://hoxtonpm.com/think-ahead-book/ This episode on YouTube: https://youtu.be/NnY0HQjndea  Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it's excitement, anxiety, or anything in between, this show is for you. Visit: http://www.thelastpaycheck.com   Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

This episode on YouTube: https://youtu.be/mI2Sl2gImcw  In this episode of the Last Paycheck Podcast, CFP Professionals Archie Hoxton and Rob Hoxton dive deep into the topic of investment risk and why understanding your true risk tolerance is essential for long-term financial success. They break down the difference between how much risk you think you're comfortable with and how much you may actually be taking, providing practical tips to help you avoid unpleasant surprises when the market takes a downturn. The conversation explores the psychology behind investment decisions. They explain why losses tend to hurt more than gains feel good, and highlight strategies to balance risk and return, including the benefits of diversification and setting realistic expectations for both bull and bear markets. Are you taking on too much risk? What are your strategies to curb your risk and deal with the consequences of market volatility? ☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com   🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation  Get their book! Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell  - https://hoxtonpm.com/think-ahead-book/ This episode on YouTube: https://youtu.be/Ao6AMW4cX40  Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it's excitement, anxiety, or anything in between, this show is for you. Visit: http://www.thelastpaycheck.com   Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

This episode on YouTube: https://youtu.be/4bmL8UyANUU  Have you ever just finished watching a reel/short/tiktok where a finance bro is trying to convince you you shouldn't ever just own your home? Well, Rob and Archie have, and today we are discussing two of those. This type of content is alive and well online, and tends to attract a lot of followers due to the punchy, controversial takes, and convincing delivery. But you have to ask yourself, is your home an investment, or a shelter and a place to be with your family? Renting is a viable choice, especially if you never want to settle down in one location, and real estate investment has its place in your portfolio. Still, if you're looking to settle down with your family, build your life, and create long-term memories, Rob and Archie have a different opinion. Owning your home can contribute to a stress-free life, and never underestimate the feeling of being debt-free. And when watching viral videos online, consider if this type of advice is tailored to your life, your future, and your well-being.  ☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com   🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation  Get their book! Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell  - https://hoxtonpm.com/think-ahead-book/ This episode on YouTube: https://youtu.be/Ao6AMW4cX40  Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it's excitement, anxiety, or anything in between, this show is for you. Visit: http://www.thelastpaycheck.com   Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

Does your financial planner also have to be a fiduciary?  In this episode of the Last Paycheck Podcast, CFP Professionals Archie Hoxton and financial advisor Jimmy Such break down one of the most important topics in personal finance: finding a fiduciary financial advisor. They start by defining it, and then explaining why working with someone held to a fiduciary standard matters for your long-term financial wellbeing.  Archie and Jimmy explore tricky topics like conflicts of interest, commission-based vs. fee-only compensation, and the differences between the fiduciary and suitability standards.  If you're looking for a financial advisor, this is key basic knowledge that can make or break your financial future.  Watch this episode on YouTube: https://youtu.be/j_0JSQceU3w  ☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com   🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation  Get their book! Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell  - https://hoxtonpm.com/think-ahead-book/ This episode on YouTube: https://youtu.be/Ao6AMW4cX40  Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it's excitement, anxiety, or anything in between, this show is for you. Visit: http://www.thelastpaycheck.com   Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

Did you revenge spend during the COVID pandemic and now you're revenge saving? Revenge saving isn't necessarily that much healthier for your finances. Today, we chat about it.  CFP Professionals Archie Hoxton and Rob Hoxton dive into the ideas of "revenge spending" and "revenge saving"—two financial behaviors that surged in popularity after COVID-19 lockdowns.  They explore how these emotional swings can disrupt your financial well-being, drawing parallels to common dieting habits. Archie and Rob break down the psychology behind these trends, share real-life examples, and offer practical strategies to maintain balance in your financial life. Whether you're feeling the urge to splurge or tighten up your budget, you'll find actionable tips like rebuilding your emergency fund, tackling debt, and setting up a "joy fund" for guilt-free spending.  ☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com   🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation  Get their book! Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell  - https://hoxtonpm.com/think-ahead-book/ This episode on YouTube: https://youtu.be/Ao6AMW4cX40  Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it's excitement, anxiety, or anything in between, this show is for you. Visit: http://www.thelastpaycheck.com   Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

When do you start spending in retirement? And more importantly, how do you even begin? Many retirees face an unexpected challenge: shifting from being a meticulous saver to being a confident spender. On today's episode, CFP Professionals Rob Hoxton and Archie Hoxton discuss exactly how they can help you do just that. They explore why making the transition can feel so daunting, discussing habits formed over a lifetime, fears about market volatility, and the lingering anxiety of running out of money, even when sound planning shows otherwise. Rob and Archie offer practical advice for adjusting your mindset, building financial confidence, and understanding the real purpose behind all those years of saving.   ☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com   🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation  Get their book! Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell  - https://hoxtonpm.com/think-ahead-book/   This episode on YouTube: https://youtu.be/t-XDxw5wOZg    Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it's excitement, anxiety, or anything in between, this show is for you. Visit: http://www.thelastpaycheck.com   Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

In this episode of the Last Paycheck Podcast, CFP Professionals Archie Hoxton and Rob Hoxton break down the latest updates on Social Security's cost-of-living adjustment (COLA) and what it means for retirees.  They explore how the COLA is calculated, why the numbers might surprise you, and how rising Medicare premiums and taxes can take a big bite out of those increases. Additionally, there could be a danger of becoming subject to taxes since the floor at which you become subject to the taxes has not been increased along with the benefit amount.  The conversation highlights the interplay between Social Security benefits, taxable thresholds, and Medicare surcharges, sharing practical strategies for navigating these changes. Whether you're currently receiving Social Security or still working, you'll get timely insights into upcoming income caps, FICA taxes, and the importance of smart financial planning.  ☎️ Questions? Call or text Rob and Archie at 304-876-2619 or reach them at https://www.hoxtonpm.com   🗓️ If you'd like to chat with Rob or Archie further, please schedule a consultation: https://calendly.com/archiehoxton/last-paycheck-consultation  Get their book! Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell  - https://hoxtonpm.com/think-ahead-book/   Watch this episode on YouTube: https://youtu.be/FsF72Ovn-fU    Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it's excitement, anxiety, or anything in between, this show is for you. Visit: http://www.thelastpaycheck.com   Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

Doesn't it always seem people move when they retire? It's not required, but it can be quite beneficial.  In this episode of the Last Paycheck, CFP Professionals Rob Hoxton and Archie Hoxton explore what role your choice of state plays in shaping your retirement lifestyle. (This episode is about retiring in the USA, if you need an episode about retiring internationally, leave a comment below).   With a focus on taxes, including state income, property, sales, and Social Security taxes, they break down how moving to different states can dramatically affect your retirement finances. The hosts discuss examples like the low property taxes in Alabama versus the high ones in New Jersey, changes to Social Security taxation in states like West Virginia, and highlight states with no income tax or unique benefits for retirees.  They also cover the importance of understanding inheritance and estate taxes, and share practical strategies for maximizing your retirement income by making smart location choices. If you're approaching retirement and thinking about relocating, this episode offers essential guidance to ensure your nest egg goes further.   🎧 Listen now and get your free Year-End Tax Planning Calendar at https://hoxtonpm.com/worksheets/tax-strategy-planning-calendar/   Whether you want to reduce your tax bill, optimize your retirement plan, or simply plan smarter, this episode is packed with actionable advice and free tools to help you save time, money, and stress. Get their book! - Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell  - https://hoxtonpm.com/think-ahead-book/   Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com   Watch on YouTube: https://youtu.be/Us6eHI1mDfk  Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it's excitement, anxiety, or anything in between, this show is for you. Visit: http://www.thelastpaycheck.com   Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.

In this episode of The Last Paycheck Podcast, CFP Professionals Rob Hoxton and Archie Hoxton tackle a major financial problem: forgotten 401(k) accounts. 🚨 💡 Did you know there are over 32 million lost 401(k)s worth nearly $2 trillion in unclaimed retirement savings? Rob and Archie explain why so many people leave old accounts behind, the hidden costs of doing nothing, and how you can track them down before it's too late. In this episode, you'll learn: ✅ Why 401(k)s get "lost" when you change jobs ✅ How to find old retirement accounts using federal databases ✅ Smart record-keeping and tracking tips ✅ The risks of ignoring old accounts  ✅ Simple steps to reclaim your money and protect your retirement future If you've ever switched jobs or think you might have a forgotten account out there, this episode is a must-listen. Rob and Archie share expert insights, actionable advice, and a few laughs along the way to help you make the most of every dollar you've earned. 🎧 Tune in now and secure your retirement savings! Get their book! - Think Ahead: Ten Reasons Why You Need a Financial Planner by Rob Hoxton and Julia Connell  - https://hoxtonpm.com/think-ahead-book/         Call or text Hoxton Planning & Management: +1 (304) 876-2619 and visit their website www.hoxtonpm.com                     Watch on YouTube: https://youtu.be/6AxNqwrIGrA  Listen in on conversations with CFP Professionals Archie and Rob Hoxton as they share weekly wisdom to help you retire and stay retired. Have you ever wondered what it will feel like when you get your last paycheck? Whether it's excitement, anxiety, or anything in between, this show is for you. Visit: http://www.thelastpaycheck.com                Last Paycheck contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained in the presentation should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. Archie and Rob are investment advisor representatives of Hoxton Planning and Management LLC, a registered investment advisor.