Solving the Financial Puzzle

Ep 155: Are You Paying Enough Attention to Your Largest Assets?

As investors, we’re always looking out ahead towards our goals in retirement so we’re constantly striving to move forward. But doing that can lead to us forgetting about the importance of managing what we already have. Let’s look at the important assets in our portfolio that might get overlooked and why it’s important to be evaluating your positions.


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Today's show schedule: 

0:59 – How is Nikki dealing with the pandemic. 

2:37 – Maybe the most overlooked thing is an old 401k.

3:25 – A surprising stat that shows we’re not in tune with our investments.

6:04 – Your house and considerations you should be making about this asset.

8:57 – Social Security - what should you be thinking about here?

11:21 – Improving your future savings potential

13:28 – Should you combine your smaller accounts?

15:09 – Diversifying is important but many times clients aren’t overlapping investments.

16:32 – How does Nikki and the team help clients manage these investments?

Ep 154: Is The Market Response To Coronavirus Normal?

Over the past month, we’ve seen financial markets react to potential economic fallout from the coronavirus pandemic and it’s happened at an unprecedented pace. But how surprised should we be by this significant reaction? Dan Cuprill joins the show as we talk about the lessons we’ve learned from history, what this latest crash has taught us, and where we might go from here financially.


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Today's rundown: 

0:46 – We’re joined by Dan Cuprill once again.

1:22 – Every 100 years there seems to be a new pandemic.

2:32 – This is affecting us all in many different ways but it’s taught us one important lesson.

5:11 – You can use history to see how markets react.

6:38 – Be calm because this is typically an investing opportunity.

7:44 – Bad news happens but you have to ask yourself this question to determine how markets will react.

8:15 – Watching cable news 24/7 isn’t going to help anybody.

10:12 – Panic starts to set in and trying to time the market will really hurt you. 

12:39 – Here’s what concerns Dan within the industry.

14:49 – This is where good financial advisors earn their keep. 

15:59 – How does Dan see this playing out over the next few months.

18:11 - Don’t make actions that turn out to be irrevocable in hurting you.

19:41 - A deal to make with your grandchildren.

21:21 - Over a period of time this will look normal, which is why you stick to a plan.

Ep 153: Coronavirus and Solid Financial Truths

No one could predict how much of an impact the coronavirus would have on the market, but it’s been a rough month for everyone. Nikki will share her thoughts on this unprecedented time and talk about the conversations they’re having around the office. With all the speculation and uncertainty, now is a great time to revisit the financial truths that should be guiding your financial planning.


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Today's rundown: 

0:53 – It’s an unprecedented time in the world right now.

2:45 – The economic side of the Coronavirus has already had a huge impact on many people.

4:34 – Everything has happened so quickly and unexpectedly.

6:36 – What conversations are happening in the office right now with clients?

9:53 – Let’s shift to our main conversation on solid financial truths.

10:38 – The first truth: TV can be our biggest enemy.

13:46 – The second truth: You rarely make good financial decisions when you act emotionally.  

16:53 – The third truth: The market always moves in cycles.

18:40 – The fourth truth: You aren’t as risk tolerant as you think you are.

20:43 – The fifth truth: There’s no magic bullet.

22:53 – Nikki shares a message to listeners regarding the current state of the market.

Ep 152: Meet the New Host Nikki Earley

After a short break, the podcast is back with some news! Dan Cuprill has handed the baton to Nikki Earley and she’s taking over the show moving forward. Today we’ll introduce you to the Certified Financial Planner and get to know who she away from the office. We’ll also talk about the future of the show as we make the transition to a new host.  


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Today's show rundown: 

0:57 – The podcast might sound a little different today as Nikki Earley is taking over hosting duties from Dan Cuprill.

2:03 – Nikki updates news from around the office and the reason behind the name change.

3:09 – Nikki tells the story about how she and Dan originally met.

6:52 – What do you enjoy most about what you do at Money and Clarity?

8:15 – Did you make any new year’s resolutions this year? And how’s your progress going?

8:51 – Dan gave her a new book recently about organizing your life called The Bullet Journal Method

10:47 – What do you like best about working in Cincinnati and living in Dayton?  

13:00 – What does a typical weekend look like for Nikki?

14:48 – Nikki has a cooking background so what dish is she best known for?

15:45 – Bengals fan? Who else do you pull for?

16:35 – The Dayton community is also excited about the Flyers basketball team right now.  

18:07 – The goals for the podcast as we relaunch the show.  

Ep 151: Meet the Parkers: A Case Study for Whether or Not You Need an Advisor

We get the question quite a lot about whether someone needs a financial advisor so Dan Cuprill shares a real-life example of a couple he worked with to provide a case study for how the process plays out. We’ll call them the Parkers, and we’ll walk through their first meeting, goals, needs, and how we decided they were a fit for an advisor. Read the rest of this entry »

Ep 150: I’m Dead, Now What? Preparing Yourself for Estate Planning

No one wants to think about death but thinking about how your assets will be handled when you’re gone is a necessary part of life. Effective estate planning can leave you in control of your hard-earned money and investments, but it can also make the process clear and efficient for your heirs. Using the checklist provided today will help you make all the considerations you need for your estate plan.

Read more about this topic and see the show notes here.  Read the rest of this entry »

Ep 149: Social Insecurity: What You Need to Consider When Filing for Social Security

Social Security benefits can be a valuable source of income when you reach retirement but deciding when to file can be difficult to determine. Should you start receiving your check at age 62 or hold out for a larger sum at age 70? We consider all of these factors and explain what you need to know on this episode.

Read more on this topic and see the show notes here. 

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Here's a full rundown for this episode: 

1:53 – Introducing today’s topic: Social Security and what you need to know

3:00 – The questions everyone asks, ‘When should you file?’ Here’s what you should consider.

4:36 – The system rewards you for waiting, but at what age is your break even point?

5:53 – Every situation is different but you need to figure out your sources for income.

7:18 – Why it’s important to get a Social Security timing analysis.

8:24 – Another factor to consider if you plan on relying heavily on savings.

9:08 – Quick of review of when you should file and things you should be considering.

Ep 148: Stupid Questions?

"There are no stupid questions, just the stupid people who ask them." That famous quote speaks to the heart of this edition of the podcast. Join us as we seek to educate you about the financial world and answer five of the most popular financial questions we receive on a regular basis. Don't worry, these are actually pretty complex questions.

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Ep 147: The Bern Is Back

The Bern is back, and it seems the self-avowed Socialist movement is on the rise. Join us as we unpack why managed economies simply won't ever work.

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Ep 146: Dealing With Death

Nobody likes to think about dying, but death is an inevitable reality. Discover what you need to do to make sure you loved ones are cared for when you die.

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