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© 2024 Your Retirement Blueprint: A 210 Financial Podcast
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Welcome to Your Retirement Blueprint, a podcast by 210 Financial where we help you invest in your financial future by identifying where you stand now, evaluating how well you're positioned, and discovering where you need to go. Join Phil Cooper, Founder and Financial Advisor of 210 Financial, and Kendall Stahl, Advisor & Partner at 210 Financial, for biweekly conversations to help you navigate finances in today's world. // Insurance products are offered through the insurance business 210 Financial. 210 Financial is also an Investment Advisory practice that offers products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Advisor. AEWM does not offer insurance products. The insurance products offered by 210 Financial are not subject to Investment Advisor requirements. 1657137-4/23
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We all imagine hitting retirement and buying our dream boat, dream car, or dream [you fill in the blank]. But how big of a purchase can you make in retirement? Can you make big purchases at all?In this episode, Phil and Kendall are helping us understand when we can shoot for the stars and when we should pinch our pennies in retirement. They also share some guidelines for how to ensure our retirement plan aligns with our retirement goals and how to make big purchases when it fits into our reti...
Is there such a thing as “good” debt and “bad” debt when it comes to retirement? Should you even have any debt when you retire? Should cutting out debt always take priority over saving for retirement?In this episode, Phil and Kendall cover some important principles for carrying debt into retirement, what “bad” debt is, and what numbers to consider before you prioritize where your money should be going.Listen to discover the one thing you can do to cut out unnecessary spending in retirement!//...
Few things in life are as frustrating as feeling forced to take an action that you know isn’t smart, strategic, or beneficial to you in the long run.But for a variety of reasons, certain circumstances can make you feel like selling your holdings—even during a market downturn—is your only option.Here at 210 Financial, we know that there is only one way to avoid making the kind of rash financial decisions that happen when you’re backed into a corner:Have a plan that keeps you out of that corner...
It’s 2024—and that means we’re already back in another election year. It’s no secret that election years bring all sorts of changes, but what does this transitional time mean when it comes to the topic of your finances?In this conversation, Phil and Kendall shed some much-needed light on this topic, explaining why our firm believes taxes will likely go up in the near future, why the IRS may be eyeing the untaxed money in your retirement accounts, whether who is president really makes a differ...
Real estate can be a key factor when it comes to financial and retirement planning. Whether you’re selling your home so you can finally move to that sunny retirement spot you’ve always dreamed about, or investing in properties to earn some extra income that will supplement your retirement, you’ll be better equipped to reach your ideal financial future if you take the time to learn about real estate. In this episode, we are joined by Josh Graham, a realtor/broker of personal homes an...
Women in finance—it’s a crucial topic that doesn’t get talked about enough. What are the unique challenges that face women in the financial world? How can a woman best balance the responsibilities of her career, her marriage, and her motherhood in a way that empowers her to provide for her family while also feeling fulfilled?These are big questions we’ve been wanting to dive into, and we couldn’t hope for a better guest to speak on this subject than our very own CEO, Carrie Stahl. As an exper...
Estate taxes and planning is a complex topic. How do you minimize taxes after you’re gone? Is there such a thing as “too much” to pass down? What are the exceptions? We are tackling these questions and more in this conversation.Today, we are joined again by Jim Benckendorf, a partner at Benckendorf & Benckendorf Law Firm and someone who concentrates in complex estate and tax planning, trusts, and probate.In this episode, Jim shares when you likely need to worry about estate taxes, who sho...
Good intentions with no actions can lead to a lot of difficult times.No one enjoys discussing end-of-life issues, but the reality is that every one of us is going to die someday. That means that the topic of this episode pertains to everyone. We are talking about estate planning and how you should consider planning ahead to leave what you have to those you leave behind.We are joined by Jim Benckendorf, a partner at Benckendorf & Benckendorf Law Firm and someone who specializes in complex ...
Have you ever received a confusing text letting you know that a USPS package couldn’t be delivered? Or maybe you got an email plea requesting you send money to a stranded friend? Scams to access your computer, bank information, or credit cards increase around the holidays, and keeping your information secure in a digital age can be a challenge.In today’s episode, we are joined by Mike Kaluza, a seasoned IT professional and the president of Synergetic Technologies. With years of experience in ...
We have the honor of being joined by David Walker, former Comptroller General of the United States and someone who was the CEO of the U.S. Government Accountability Office (GAO) from 1998 to 2008.Needless to say, he has a lot of insight into where the country is headed and how that could affect your dollars.In this episode, David is helping us discuss the state of the American economy, some strategies the average person can do to prepare, how the country might achieve fiscal responsibility, a...
Your Retirement Blueprint Podcast is back for Season 2! We have so many exciting things planned for this season of the podcast, including some incredible guests that we’re eager to introduce you to.As we approach the end of the year, this is a time when many of us revisit our goals, look over where we’re at, and consider shifts we need to make.In this episode, we want to invite you to revisit your goals and your plan for reaching them. By considering tax-beneficial investment opportunities, g...
It’s time for another solo episode with Kendall! In this episode, he is talking about some of his favorite things—diversifying your investment portfolio and the role real estate can play.There’s a lot of talk about whether or not you should view real estate as a good investment. Some people say it’s a ton of work while others say it’s a passive investment. While this isn’t something that 210 Financial focuses on extensively, Kendall has invested in real estate and is sharing his thoughts on w...
For the majority of your life, you will work hard and pinch those pennies so that you can fund retirement. But once you actually retire, it’s time to enjoy all your hard work!Kendall has another solo episode to help you understand how to manage your expenses AND have fun in retirement! He is sharing how to get yourself to a place where “budget” doesn’t have to feel like a bad word in retirement.Thank you for listening!//Grab a Free Resource at http://retirewith210.com/ --Prefer to watch? Find...
We’ve got you covered as new legislation has been passed which will take effect in 2024. This includes the Secure Act 2.0, which has over 90 provisions that could affect your taxes and financial plan.In this solo episode, Kendall will let you in on the major changes from this legislation and how that could impact you today!Because there are so many changes with this legislation, both big and small, be sure to meet with your financial advisor to see what these changes mean for you specifically...
Welcome back to Your Retirement Blueprint! We hope you’ve had a great start to the year.In today’s video, we’ve put together the top 10 tips for retirement planning in 2023. There is a lot of great insight packed into this one. We’ve included everything from financial strategies to potential tax considerations to maintaining your feeling of purpose in the retirement years.Whether you are approaching retirement or are planning for the future, thank you for watching and listening in!//Grab a Fr...
Many people don’t often think about life insurance as a major part of their financial plan. Or perhaps they only consider it as a valuable investment only when they’re younger. We believe that should change.Yes, it can be a bit depressing to have to think about the case of your own death and if your loved ones would be taken care of financially. However, in that case, life insurance can provide for your loved ones for years, and is well worth taking the time to include it as part of your plan...
We ripped the script for this episode. Literally! We had a plan of what we were going to talk about, but decided to go off-book. After sharing our Question of the Day, we discuss our pet peeves when it comes to investing and financial planning (and a few random ones 🙂).For many, the pandemic uncovered a lot of unknown risks in our portfolios and budgets. While life isn’t without risk and we can’t give you a crystal ball to predict what could go wrong, there are ways to minimize the risk in yo...
We’ve been telling everyone we know that there is a “tax sale” happening right now. Taxes are the lowest they have ever been, and that’s a major thing to consider when it comes to your retirement planning.In this episode, we are talking about planning ahead for retirement taxes and retirement income, and we dive deep into Social Security. If you aren’t accounting for paying taxes in your retirement strategy, then you could be surprised when you start making withdrawals and see that you owe mo...
“Recession.” It’s like a dark cloud looming over the economy and around every corner. But what should we be doing during an economy like this? If you are worried about the future or retiring in a recession, we’re breaking down what you need to know.In this episode, Phil and Kendall are letting you know how you should respond to a recession, what advantages there are in the current economy, and what you should be doing about it. We’ll also talk about how having your adult children living with ...
Every year from October 15th-December 7th, open enrollment for Medicare is taking place. So today we are welcoming a special guest to dive deep into everything you need to know about Medicare. Jesse Psinas is an Advisor here at 210 Financial and is our resident expert on the topic.In today’s episode, we’re covering the major Medicare plans available to you, what premium ranges you can expect, advantages and disadvantages of various Medicare programs, when you’re eligible, and much more.As alw...
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