You may feel confident with your asset allocation strategies, but how do you know if you’ve optimized them for tax efficiency? In this episode of 𝙔𝙤𝙪𝙧 𝙈𝙤𝙣𝙚𝙮 𝙈𝙤𝙢𝙚𝙣𝙩𝙪𝙢, CERTIFIED FINANCIAL PLANNER™ Professionals Tom Kennedy and Kevin M. Curley, II discuss asset allocation location buckets and which bucket for which account. They also cover recent Central Bank activity and what you might expect in the coming month. #assetallocation #investmentstrategies #wealthmanagement

Find it Fast: Asset Allocation Strategies

Tax Efficiency:
00:00—Intro
01:29—Asset allocation location
05:16—Which bucket for which account

Dr. Doom
11:02—The everything ETF and indirect exposure

Central Bank Roundup
14:58—Lower rates are coming
19:52—Japan chaos and Yenmageddon
23:42—Sweden eases policy early

This material has been provided for general informational purposes only and does not constitute either tax or legal advice. Although we go to great lengths to make sure our information is accurate and useful, we recommend you consult a tax preparer, professional tax advisor, or lawyer.

If you enjoyed learning about the tax-efficient asset allocation strategies available to you, be sure to follow the Your Money Momentum podcast published twice monthly where you listen to your favorite pods, or watch our latest video session on YouTube at Your Money Momentum.

Your Money Momentum podcast is produced by: Pamela Engstrom

Music by: PWISBY "Ruff"

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If you’re looking to maximize your retirement savings, the SECURE Act 2.0 made some significant changes. In this episode of 𝙔𝙤𝙪𝙧 𝙈𝙤𝙣𝙚𝙮 𝙈𝙤𝙢𝙚𝙣𝙩𝙪𝙢, CERTIFIED FINANCIAL PLANNER™ Professionals Tom Kennedy and Kevin M. Curley, II cover the effects of the SECURE Act 2.0 on retirement savings including business owners, retirees, and employer-sponsored plans.

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Retirement Savings Plans
00:00—Intro
01:16—SECURE Act 2.0 effects
02:25—Change in RMD rules and penalty changes
05:30—SEPP & SIMPLE IRAs Roth options and new limits
08:08—529 leftover funds rollovers into ROTH
10:17—Qualified charitable contribution changes
11:35—Employer matching and student loan payments
12:16—ABLE plans
13:05—Low-income and gig workers savers match

Toss Up
14:06—Wealth taxes
17:20—Achieving longer lifespans
20:28—Warren Buffet’s cash
23:54—Working from home
25:20—Elections and sell-offs

This material has been provided for general informational purposes only and does not constitute either tax or legal advice. Although we go to great lengths to make sure our information is accurate and useful, we recommend you consult a tax preparer, professional tax advisor, or lawyer.

If you enjoyed learning about changes SECURE 2.0 made on retirement savings, be sure to follow the Your Money Momentum podcast published twice monthly where you listen to your favorite pods, or watch our latest video session on YouTube at Your Money Momentum.

Your Money Momentum podcast is produced by: Pamela Engstrom

Music by: PWISBY "Ruff"

Find us: LinkedIn | Facebook | Instagram | X (Twitter)| YouTube

If you’ll be retiring soon, you may wonder how you’ll pay for it. In this episode of 𝙔𝙤𝙪𝙧 𝙈𝙤𝙣𝙚𝙮 𝙈𝙤𝙢𝙚𝙣𝙩𝙪𝙢, CERTIFIED FINANCIAL PLANNER™ Professionals Tom Kennedy and Kevin M. Curley, II chat about ways to plan your withdrawal rates in retirement so your money lasts as long as possible. They also discuss interest rates, the Chinese regional bank crisis, and whether India will take over the number one spot as a world superpower.

Find it Fast:

Withdrawal rates and how much do I need for retirement?
00:00—Intro
01:44—What do I need to know about withdrawal rates?

Central Bank Roundup
10:35—Interest rates
14:04—China regional banking crisis

Something or Nothing
16:27—Chinese robo taxis
19:33—India stock market
22:45—Shadow banking
26:24—Peloton convertible notes

This material has been provided for general informational purposes only and does not constitute either tax or legal advice. Although we go to great lengths to make sure our information is accurate and useful, we recommend you consult a tax preparer, professional tax advisor, or lawyer.

If you enjoyed learning about safe withdrawal rates, be sure to follow the Your Money Momentum podcast published twice monthly where you listen to your favorite pods, or watch our latest video session on YouTube at Your Money Momentum.

Your Money Momentum podcast is produced by: Pamela Engstrom

Music by: PWISBY "Ruff"

Find us: LinkedIn | Facebook | Instagram | X (Twitter)| YouTube

If you’re wondering if structured products can help smooth out the effects of market volatility on your investment portfolio, you’re not alone. In this episode of 𝙔𝙤𝙪𝙧 𝙈𝙤𝙣𝙚𝙮 𝙈𝙤𝙢𝙚𝙣𝙩𝙪𝙢, CERTIFIED FINANCIAL PLANNER™ Professionals Tom Kennedy and Kevin M. Curley, II discuss why investment banks use them, how the average investor can take advantage of them, and the risks involved.

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What are Structured Products
00:00—Intro
01:15—The definition of structured products
06:27—Who does this make sense for and who should skip it?
07:52—What are the levels?
09:50—How do you buy them?
10:55—What are the risks and benefits?

Nostra-Thomas
12:46—Are stocks at risk for a loss decade?
15:43—Political shakeups
17:15—What is the next crisis?
19:42—Is low volatility here to stay?
22:16—What is the current trading temperature?

Structured products are complex, illiquid investments whose returns may be based on the underlying price movements of a single security, a basket of securities, an index, a commodity, a debt issuance, and/or a foreign currency. Many economic and market factors will affect the value of structured products, and such factors may offset or magnify one another. Risk factors may include interest rate levels, implied volatility, and time remaining to maturity. Other risks may apply. Please carefully review the disclosure document or offering memorandum before investing.

This material has been provided for general informational purposes only and does not constitute either tax or legal advice. Although we go to great lengths to make sure our information is accurate and useful, we recommend you consult a tax preparer, professional tax advisor, or lawyer.

If you enjoyed learning about structured products, be sure to follow the Your Money Momentum podcast published twice monthly where you listen to your favorite pods, or watch our latest video session on YouTube at Your Money Momentum.

Your Money Momentum podcast is produced by: Pamela Engstrom

Music by: PWISBY "Ruff"

Find us: LinkedIn | Facebook | Instagram | X (Twitter)| YouTube

If you’re shocked by the price of college, wait until you find out which schools might offer little-known discounts. In this episode of 𝙔𝙤𝙪𝙧 𝙈𝙤𝙣𝙚𝙮 𝙈𝙤𝙢𝙚𝙣𝙩𝙪𝙢, CERTIFIED FINANCIAL PLANNER™ Professionals Tom Kennedy and Kevin M. Curley, II discuss ways to lower the price of college, strategies to pay for it, and student loans. As mentioned by Kevin in the podcast, you can check out: collegeaidpro.com to view some of the material discussed.

[Embed podcast player]

Watch the video podcast version on YouTube [link]

Find it Fast: Price of College

Paying for College
00:00—Intro
00:41—Which colleges offer discounts?
09:41—Finding free money
13:20—Student loans

Toss-up
15:56—Value of college
18:20—Published or net cost
19:18—Hybrid or on-site work
22:00—Inflation vs recession
24:08—MRNA for cancer treatment
26:36—Low birth rates and immigration or robots
29:01—Asset allocation

This material has been provided for general informational purposes only and does not constitute either tax or legal advice. Although we go to great lengths to make sure our information is accurate and useful, we recommend you consult a tax preparer, professional tax advisor, or lawyer.

If you enjoyed learning about reducing the cost of college, be sure to follow the Your Money Momentum podcast published twice monthly where you listen to your favorite pods or watch our latest video session on YouTube at Your Money Momentum.

Your Money Momentum podcast is produced by: Pamela Engstrom

Music by: PWISBY "Ruff"

Find us: LinkedIn | Facebook | Instagram | X (Twitter)| YouTube

You’ve probably noticed that your homeowners, auto, and umbrella insurance costs are on the rise. In this episode of 𝙔𝙤𝙪𝙧 𝙈𝙤𝙣𝙚𝙮 𝙈𝙤𝙢𝙚𝙣𝙩𝙪𝙢, CERTIFIED FINANCIAL PLANNER™ Professionals Tom Kennedy and Kevin M. Curley, II offer an insurance shopping guide with strategies for shopping around and lowering your property and casualty insurance costs.

P & C Shopping Guide
00:00—Intro
01:33—Insurance costs on the rise
03:35—Strategies for saving money on insurance*

Role Play
12:39—Alex Rodriguez
13:53—Singapore shophouses
16:15—Oaktree Capital
18:46—Is the yield curve inversion is wrong
22:52—Recreational drugs for medical treatment

*Global Wealth Advisors is neither endorsed by nor affiliated with any of the insurance companies mentioned.

This material has been provided for general informational purposes only and does not constitute either tax or legal advice. Although we go to great lengths to make sure our information is accurate and useful, we recommend you consult a tax preparer, professional tax advisor, or lawyer.

If you enjoyed this insurance shopping guide, be sure to follow the Your Money Momentum podcast published twice monthly where you listen to your favorite pods or watch our latest video session on YouTube at Your Money Momentum.

Your Money Momentum podcast is produced by: Pamela Engstrom
Music by: PWISBY "Ruff"
Find us: LinkedIn | Facebook | Instagram | X (Twitter)| YouTube

What should investors be doing during an election year? In this episode of 𝙔𝙤𝙪𝙧 𝙈𝙤𝙣𝙚𝙮 𝙈𝙤𝙢𝙚𝙣𝙩𝙪𝙢, CERTIFIED FINANCIAL PLANNER™ Professionals Tom Kennedy and Kevin M. Curley, II host Global Wealth Advisors’ Chief Investment Officer Keith Sprauer. They discuss how election years affect the market and how politics plays into the mix. They also jump into topics like meme stocks, public official trading, and HELOCs in the Something or Nothing segment.

Find it Fast: How the election year affects the market
Guest Speaker
00:00—Intro
01:36—History and election years
05:53—Does a divided government affect the market?
08:09—Tax cut bill sunsetting in 2025
10:24—What should investors be doing?

Something or Nothing
14:05—Meme stocks
16:01—US worker hours vs Europe
18:09—Bird Flu
18:50—Watching public official trading
21:07—China space station
23:00—Will HELOCs drive the economy?
26:33—Divergence along political lines
28:45—Diverging monetary policy

This material has been provided for general informational purposes only and does not constitute either tax or legal advice. Although we go to great lengths to make sure our information is accurate and useful, we recommend you consult a tax preparer, professional tax advisor, or lawyer.

If you enjoyed listening to our market recap, be sure to follow the Your Money Momentum podcast published twice monthly where you listen to your favorite pods or watch our latest video session on YouTube at Your Money Momentum.

Your Money Momentum podcast is produced by: Pamela Engstrom
Music by: PWISBY "Ruff"
Find us: LinkedIn | Facebook | Instagram | X (Twitter)| YouTube

If you’ve wondering whether there will be an interest rate cut this year, you’re not alone. In this episode of 𝙔𝙤𝙪𝙧 𝙈𝙤𝙣𝙚𝙮 𝙈𝙤𝙢𝙚𝙣𝙩𝙪𝙢, CERTIFIED FINANCIAL PLANNER™ Professionals Tom Kennedy and Kevin M. Curley, II give another rousing round of Central Bank Roundup and discuss whether investors can expect a rate cut or increase along with what some other countries are doing.

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Central Bank Roundup:
00:00—Intro
01:23—Will there be an interest rate cut this year?
05:46—Mortgage rates on the move
07:40—Bank of England
11:30—Bank of Japan

This material has been provided for general informational purposes only and does not constitute either tax or legal advice. Although we go to great lengths to make sure our information is accurate and useful, we recommend you consult a tax preparer, professional tax advisor, or lawyer.

If you enjoyed learning more about what the Fed plans to do with interest rates, be sure to follow the Your Money Momentum podcast published twice monthly where you listen to your favorite pods or watch our latest video session on YouTube at Your Money Momentum.

Your Money Momentum podcast is produced by: Pamela Engstrom
Music by: PWISBY "Ruff"
Find us: LinkedIn | Facebook | Instagram | X (Twitter)| YouTube