Dive into the world of financial and retirement planning with the experts at Evermont Wealth. Led by President Brent Pasqua, alongside CERTIFIED FINANCIAL PLANNER™ Matthew Theal and Joshua Winterswyk, each episode is packed with insightful discussions on money, life, and securing your retirement. Tune in to ”The Retirement Plan Playbook” for advice that turns financial goals into achievements, ensuring you’re well-equipped for a prosperous retirement.
Episodes
Thursday Oct 24, 2024
Thursday Oct 24, 2024
In this episode, the hosts dive deep into the importance of gifting and inheritance strategies. They explore how families can effectively transfer wealth, minimize tax burdens, and create meaningful impact through well-timed gifts. They also discuss the psychological and emotional aspects of giving and how to approach conversations around wealth transfer with loved ones.
Key Topics Covered:
World Series Discussion
The hosts kick off the show with a light discussion about the Dodgers’ return to the World Series and how baseball brings joy and nostalgia.
Negativity and Financial Media
Brent, Matthew, and Josh discuss the pervasive negativity in both the media and in personal financial perspectives, particularly how clients often assume the worst, even when their portfolios are doing well.
Gifting and Generational Wealth Transfer
The conversation shifts to the main topic: gifting. The hosts discuss the emotional reluctance many older clients feel when it comes to gifting money to their children, and how families often struggle with the idea of wealth transfer.
Strategies for Effective Gifting
The hosts explain strategies to minimize taxes when gifting, including gifting shares with low-cost bases to children in lower tax brackets. They also highlight the benefits of front-loading 529 plans for education savings.
Encouraging Gifting as a Positive Legacy
Brent emphasizes the importance of not only gifting financially but also creating shared experiences. He encourages older generations to consider family vacations or experiences while they’re still able to enjoy them together.
How to Start Conversations Around Gifting
Joshua raises the point that families often don’t communicate enough about finances, which can lead to missed opportunities. The hosts offer advice on how to initiate these important discussions with parents or grandparents.
Practical Gifting Examples and Financial Planning Insights
Real-life examples of clients who have successfully used gifting strategies are discussed. The team also explains how to integrate gifting into an overall financial plan without disrupting the retirement lifestyle of the giver.
Wrap Up and Recommends
The hosts wrap up the show with a positive message about the benefits of well-planned gifting, both financially and emotionally. They also share their personal recommendations, including holiday lights and technology tips.
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Thursday Oct 10, 2024
Thursday Oct 10, 2024
Hosts Brent, Matthew, and Josh introduce the show, focusing on investment strategies, retirement planning, and current events. They discuss the importance of adaptability in volatile times, especially during political and economic uncertainty.
[00:01:00] - Social Media and Distractions
- The team discusses the distractions of social media platforms like Facebook, Instagram, and TikTok, highlighting how modern social media can clutter your life and be a source of misinformation.
[00:03:30] - Political Events and Market Volatility
- Discussion about the recent dock strike, unrest in the Middle East, and how these geopolitical events spooked the market.
- Impact on oil prices and how the market reacts to major global events.
[00:07:00] - Election Talk: Trump vs. Harris
- The team dives into the upcoming election, debating whether the election results will have significant effects on the market.
- Mention of Vegas odds favoring Trump by 3%, followed by speculation on how political changes could impact future market performance.
[00:10:30] - Does Politics Really Affect the Market?
- Brent and Matthew share historical data on how the market performs under Democratic versus Republican presidencies.
- Key stat: Staying invested through different political regimes yields better long-term results than trying to time the market based on elections.
[00:14:00] - How Presidents Impact Market Performance
- Analysis of market performance under different presidents, including Bush, Obama, Clinton, and Reagan.
- Discussion on how long it takes for presidential policies to affect the market and how much control a president really has over economic outcomes.
[00:19:00] - Volatility Before and After Elections
- The hosts discuss how volatility spikes before elections, especially in September and October, and how markets tend to calm down after elections through Inauguration Day.
[00:21:00] - Diversification and Safe Haven Assets
- The team stresses the importance of maintaining a diversified portfolio during times of uncertainty, with safe haven assets like gold and treasury bonds being key components.
- Matthew's take on investing in gold, and whether physical gold or gold ETFs are better options.
[00:26:00] - Thematic and Political ETFs
- The hosts introduce the concept of political and thematic ETFs, where you can invest in companies based on states or political ideologies, like the Texas-only ETF.
- Insight into how political themes can influence stock performance and fund creation.
[00:30:00] - Election Investment Strategies
- Josh shares practical strategies for navigating election-related uncertainty, such as staying diversified, investing in safe havens, and adjusting portfolio allocations as needed.
[00:33:00] - Betting on States: Texas vs. California
- Fun debate on which states would be better for long-term investment, particularly with many companies leaving California for Texas.
[00:35:00] - The Role of Behavioral Investing
- The team discusses how investing behaviorally, with moves like allocating 5-10% of portfolios into gold or state-based funds, can psychologically relieve concerns during election periods.
[00:36:00] - Wrapping Up: Diversification is Key
- Final thoughts on the importance of staying invested and diversified through elections, global crises, and market volatility.
Connect with Evermont Wealth:
- matthew@evermont.com
- joshua@evermont.com
- (909) 296-7977
- Evermont.com
- LinkedIn: Matthew Theal
- LinkedIn: Brent Pasqua
- LinkedIn: Joshua Winterswyk
- LinkedIn: Evermont Wealth
Thursday Sep 26, 2024
Thursday Sep 26, 2024
Join the team from Evermont Wealth as they take you behind the scenes of the Future Proof Conference,
the largest gathering of financial advisors and FinTech leaders. Hosted by seasoned financial planners Brent Pasqua,
Matthew Theal, and Joshua Winterswyk, this episode delivers key insights on the latest advancements in AI, wealth management technologies, and strategies for staying ahead in a rapidly changing world.
[00:00] - Introduction: Hosts Brent, Matthew, and Joshua introduce the episode and discuss the Future Proof Conference.
[00:01:30] - Overview of the Future Proof Conference: Importance of the event and its focus on cutting-edge FinTech.
[00:02:30] - The Conference Experience: The beachside location and ease of attending close to home.
[00:03:30] - Major Themes: AI advancements, new technologies, and tools for financial advisors.
[00:05:00] - Networking and Learning from Vendors: Value of in-person meetings with vendors and its impact on client services.
[00:06:00] - Notable Speakers: Insights from key industry figures like Jeffrey Gundlach and Dan Ives.
[00:08:30] - The Role of Technology and AI: AI's role in wealth management over the next 2-3 years.
[00:10:00] - Recap of Key Speakers: Takeaways from prominent speakers and their contrasting views.
[00:12:00] - CNBC Moment: Brent shares a personal story of being on CNBC during the live broadcast.
[00:14:00] - Financial Markets & Federal Reserve: Discussion on interest rate cuts and their impact.
[00:16:30] - Real Estate and Bond Markets: The impact of rate cuts on real estate and bond markets.
[00:22:00] - Apple Event Recap: Reflections on Apple's latest iPhone and AI features.
[00:29:00] - Purchasing an iPhone: Best practices for buying a new iPhone.
[00:33:00] - Annuities: Pros, cons, and how annuities are often mis-sold.
[00:39:00] - Final Thoughts on Annuities: Appropriate uses for annuities and warnings on aggressive sales tactics.
[00:42:00] - Recommendations of the Week: Joshua recommends upgrading to the new iPhone; Brent suggests adding electrolytes for hydration, Matthew suggest Camphor.
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Thursday Sep 12, 2024
Thursday Sep 12, 2024
In this episode of the Retirement Plan Playbook, hosts Brent Pasqua, Matthew Theal, and Joshua Winterswyk discuss Kamala Harris tax proposal, stock market seasonality and changes to interest rates.
The episode wraps up with a conversation about NFL season, a recent breakfast event for nurses, and product recommendations.
00:37 Hawaii Vacation Recap
05:25 Unexpected Apple Charges
13:28 Kamala Harris's Capital Gains Proposal
20:58 Seasonal Trends in the Stock Market
25:22 Federal Reserve Rate Cuts
27:53 Financial Planning Breakfast Event
30:02 NFL Season Predictions
31:13 Evermont Recommends
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Thursday Aug 15, 2024
Thursday Aug 15, 2024
In this episode of the Retirement Plan Playbook, hosts Brent Pasqua, Matthew Theal, and Joshua Winterswyk delve into the complexities of the current stock market drop and its implications for the rest of the year.
They analyze the recent market volatility, discussing the significant events such as an assassination attempt on Donald Trump, Biden's drop from the race, and the Japanese market crash. The trio offers comprehensive insights into how these factors contribute to market fluctuations and provide strategies on handling investments during such turbulent times.
Additionally, the episode touches on global market interconnections, upcoming potential rate cuts by the Federal Reserve, and the importance of diversification to mitigate risks. The discussion also includes lighter moments, reflecting on the Olympics, LA's future host status, and personal recommendations for a well-rounded lifestyle.
01:06 Olympics Recap and Personal Reflections
04:52 Market Volatility and Economic Concerns
07:31 Tech Sector Analysis and Future Outlook
16:27 Federal Reserve's Rate Cut Speculations
16:49 Market Reactions and Economic Data
19:08 Investor Strategies Amidst Economic Uncertainty
19:54 Global Market Impacts and Diversification
22:09 Understanding the Yen Carry Trade
23:39 Managing Emotions and Market Timing
30:00 Market Recovery and Election Year Trends
30:37 Personal Recommendations and Final Thoughts
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Thursday Aug 01, 2024
Thursday Aug 01, 2024
In this episode of the Retirement Plan Playbook, financial planners Matthew Theal and Joshua Winterswyk from Evermont Wealth discuss the importance of teaching children about money.
They provide practical tips for instilling financial literacy at different ages—from toddlers to adult children.
The episode also touches on current market events, including the implications of a recent software crash by CrowdStrike and rising past due credit card balances.
The hosts emphasize the importance of building emergency funds, understanding credit, and starting retirement savings early. Additionally, they recommend watching the Olympics Gold Zone and a trip back to the movies with 'Twisters.'
00:00 Catch-Up and Personal Updates
01:19 Introduction to the Retirement Plan Playbook
02:17 Teaching Kids About Money
03:32 Olympics
05:06 CrowdStrike Incident
08:28 Credit Card Balances and Economic Concerns
09:54 Stock Market Update and Political Uncertainty
12:53 Financial Literacy for Kids
18:44 Teaching Kids About Money: Allowance and Savings
19:03 Bank Visits and Financial Literacy for Preteens
20:41 Understanding Credit and Taxes for Teens
23:54 Gamifying Financial Education for Kids
26:21 Financial Planning for Adult Children
31:44 Saving and Retirement Planning
35:07 Evermont Recommends: Entertainment and More
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Thursday Jul 18, 2024
Thursday Jul 18, 2024
In this episode of Retirement Plan Playbook, host Brent Pasqua and Matthew Theal delve into the significance of creating a personal investment philosophy.
They discuss key elements such as risk tolerance, goals, and time horizons while sharing their own investment strategies.
The hosts also review the latest financial headlines, including the implications of the Consumer Price Index drop and Costco's membership fee hike.
They emphasize the importance of consulting a financial advisor for portfolio management and offer practical tools and tips for researching investments.
00:22 Summer Plans and Personal Updates
01:43 Hot Take Headlines: Consumer Price Index and Fed Rate Cuts
05:38 Costco Membership Fee Increase
07:06 Creating Your Personal Investment Philosophy
08:55 Investment Strategies and Risk Tolerance
17:34 The Importance of Staying Invested
27:38 RPA Recommends: Social Media and AI Tools
31:11 Closing Thoughts and Contact Information
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Thursday Jul 04, 2024
Thursday Jul 04, 2024
In this episode of the Retirement Plan Playbook, hosts Brent Pasqua and Matthew Theal of Evermont Wealth delve into comprehensive retirement planning and investment strategies.
The discussion addresses crucial questions about how much money is needed to retire comfortably.
They analyze market trends, such as the performance of major stock indices, the impact of emerging technologies like AI, and the fluctuations of stocks like Nvidia, Apple, and Tesla.
The team also explores essential factors affecting retirement savings, including retirement age, lifestyle choices, health considerations, and income sources. They offer tools and strategies like the 4% withdrawal rule and online calculators to help predict and achieve retirement goals.
00:37 Hosts Introduction and Episode Overview
01:23 Political Commentary and Debate Discussion
05:05 Market Update
09:39 Tesla's Comeback and Future Prospects
12:38 Retirement Planning Corner: What's Your Number?
21:13 Planning for Lavish Retirement Trips
22:39 Healthcare Costs in Retirement
24:33 Income Sources in Retirement
26:25 Calculating Your Retirement Number
28:33 Using Online Calculators and Advisors
30:32 Personal Retirement Goals
34:20 Recommendations and Plugs
38:49 Conclusion and Final Thoughts
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Thursday Jun 20, 2024
Thursday Jun 20, 2024
In this episode of the Retirement Plan Playbook, hosts Brent Pasqua, and Matthew Theal discuss various aspects of retirement planning and investment strategies.
They delve into the importance of tax-efficient bucket and distribution planning to minimize taxation during retirement. The conversation includes a thorough discussion on managing short-term, mid-term, and long-term investment buckets.
They also discuss the impact of interest rates on the economy, and the latest advancements in AI technology with Apple's new features
00:00 Introduction
02:02 The Importance of Updating Beneficiaries
03:28 CPI Updates and Federal Reserve Insights
08:44 Apple's WWDC 24: New AI Features
15:51 Retirement Planning Corner: Bucket Strategy
23:23 Choosing the Right Investments for Each Bucket
24:06 Managing Emotions and Trusting the Process
24:54 Tax Efficiency in Bucket Strategy
27:24 The Importance of Having Multiple Buckets
32:46 Distribution Planning and Roth Conversions
35:14 Simplifying Bucket Planning
37:16 Evermont Recommends: Entertainment and Style Tips
40:13 Conclusion and Contact Information
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Thursday Jun 06, 2024
Thursday Jun 06, 2024
In this episode of the Retirement Plan Playbook, hosts Brent Pasqua, Matthew Theal, and Joshua Winterswyk from Evermont Wealth dive into smart money-saving strategies and discuss the importance of budgeting amidst rising inflation.
They also provide insights into the current stock market, including Nvidia's 10-for-1 stock split and the SEC's shift to a T+1 settlement cycle.
Additionally, the hosts share personal anecdotes on reducing expenses and discuss the significance of consumer sentiment polls in shaping economic viewpoints.
The episode aims to equip listeners with practical financial advice for navigating economic complexities and optimizing their retirement plans.
00:39 Smart Money Saving Strategies
01:37 Little League Triumphs and Lessons
03:14 Nvidia's Stock Split
07:16 SEC's New Settlement Cycle Rule
11:08 American Economic Sentiment and Media Influence
17:44 Retailers Cutting Prices Amidst Inflation
22:39 Understanding Inflation and Budgeting Strategies
25:16 Tackling Major Expenses
26:11 Reevaluating Monthly Subscriptions
28:32 The Convenience of Online Shopping
33:19 Smart Utility Savings
35:00 Negotiating Service Contracts
38:45 Recommendations
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Thursday May 23, 2024
Thursday May 23, 2024
The 'Retirement Plan Playbook' podcast, hosted by Brent Pasqua, Matthew Theal, and Joshua Winterswyk of Evermont Wealth, provides a deep dive into investment strategies, retirement planning, and current events to help listeners build a robust retirement playbook.
In this episode, they focus on the basics of retirement planning, including 401k contributions, the impact of inflation, and understanding Social Security benefits. They also discuss the significance of adjusting investment strategies over time and the importance of consulting with a certified financial planner for a customized retirement plan.
Additionally, they touch on Netflix securing NFL rights, strategies for saving money in a high inflation environment, and share their personal recommendations on Evermont Wealth hats and merchandising.
02:06 The Roast of Tom Brady: A Hilarious Recap
05:12 Navigating Inflation and Money-Saving Tips
12:22 Netflix's Strategic Moves in Sports Broadcasting
16:48 Netflix's Content Strategy vs. Competitors
17:08 Diving Into Retirement Planning: The Basics
17:20 Maximizing Your 401k: Strategies and Tips
24:08 Investment Strategies: Stocks, Bonds, and Beyond
28:23 Understanding Social Security Benefits
34:05 Evermont Wealth's Merchandise Talk
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Thursday May 09, 2024
Thursday May 09, 2024
Hosted by Brent Pasqua, Matthew Theal, and Joshua Winterswyk of Evermont Wealth, the Retirement Plan Playbook podcast delves into investment strategies, retirement planning, and current events to help listeners develop a comprehensive retirement plan.
The episode opens with personal anecdotes from the hosts, before moving on to discuss the three phases of retirement planning in detail, including the preparation, transition, and enjoyment phases.
Additionally, the episode covers hot topics such as Dave and Buster's introducing digital betting, the Federal Reserve's decision to keep interest rates unchanged, and controversial aspects of Biden's capital gains tax proposal.
The hosts emphasize the importance of early preparation for retirement and provide insights into financial planning, investment decisions, and the balance between saving and spending in retirement.
00:52 Casual Conversations: Sleepless Nights and Family Life
02:21 Dave and Busters' New Digital Betting Service: A Game Changer?
06:08 Federal Reserve's Latest Moves and Market Reactions
08:27 Biden's Capital Gains Tax Proposal: A Potential Economic Impact
14:06 Navigating the Prepare Phase of Retirement Planning
25:05 Transitioning to Retirement: Strategies and Considerations
32:23 Enjoying Retirement: Planning for the Golden Years
38:30 Final Thoughts and Recommendations
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Thursday Apr 25, 2024
Thursday Apr 25, 2024
The Retirement Plan Playbook, hosted by Brent Pasqua, Matthew Theal, and Joshua Winterswyk of Evermont Wealth, celebrates its 100th episode milestone.
Reflecting on the journey since its inception in 2018, the hosts discuss the evolution of the podcast through challenges, including a pause during the pandemic and subsequent resumption due to client demand. They reminisce about past episodes, highlighting topics like social security, bond ladders, and selling businesses.
The episode then shifts focus to the first quarter of 2024, exploring major financial themes such as inflation, interest rates, stock market performance, and geopolitical tensions. The hosts examine how these factors influence retirement planning, investment strategies, and the broader economy.
The episode concludes with predictions for the upcoming quarters, emphasizing the importance of planning, staying informed, and seeking professional advice for a successful retirement.
00:40 The Journey to 100 Episodes: Reflections and Highlights
02:21 Favorite Episodes and Listener Feedback
03:32 Exciting Announcement for Listeners
03:39 Deep Dive into the First Quarter of 2024: Economic Insights
08:28 Inflation and Interest Rates: A Closer Look
12:46 The Bond Market Explained: Opportunities and Challenges
18:13 Housing Market Dynamics and Mortgage Rates
21:11 Market Leadership Shifts: Gold, Oil, and More
23:27 Baby Boomers vs. Millennials: Economic Impacts
25:06 The Tech Sector's Winners and Losers
28:22 Predictions for Q2 of 2024: Market Trends and Volatility
30:13 Investment Strategies and the Rise of AI
32:41 Personal Finance Tips and the Importance of Diversification
36:11 Recommends: Personal Stories and Tips
42:49 Closing Thoughts and Future Outlooks
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Thursday Apr 11, 2024
Thursday Apr 11, 2024
In this episode of the Retirement Plan Playbook, hosted by Brent Pasqua, Matthew Theal, and Joshua Winterswyk of Evermont Wealth, focuses on affording long-term care in retirement.
The episode begins with casual banter about baseball and moves into more serious topics like the sentencing of Sam Bankman-Fried and the performance and implications of Donald Trump's, “Truth Social” SPAC offering under the ticker symbol DJT.
The core of the show is an extensive look at the considerations, costs, and planning strategies around long-term care, emphasizing the importance of early and informed planning to secure a comfortable and worry-free retirement.
01:19 Baseball Season Banter: Angels' Woes
03:57 Sam Bankman-Fried's Sentence: A Deep Dive into the FTX Saga
09:13 The Trump SPAC and Truth Social: Investment or Political Contribution?
13:48 Navigating Long-Term Care Costs in Retirement Planning
21:08 Exploring Self-Insurance and Out-of-Pocket Care Costs
24:32 Challenges and Trust Issues with Long-Term Care Policies
26:24 Alternative Strategies for Long-Term Care Planning
28:29 Utilizing Home Equity and Other Assets for Long-Term Care
31:44 Creating a Personal Long-Term Care Fund
37:35 Evermont Recommends
Connect with Evermont Wealth:
- matthew@evermont.com
- joshua@evermont.com
- (909) 296-7977
- Evermont.com
- LinkedIn: Matthew Theal
- LinkedIn: Brent Pasqua
- LinkedIn: Joshua Winterswyk
- LinkedIn: Evermont Wealth
Thursday Mar 28, 2024
Thursday Mar 28, 2024
In this episode of the Retirement Plan Playbook, hosts Matthew Theal and Joshua Winterswyk from Evermont Wealth dive into the debate of Roth IRA vs. Traditional IRA. They begin with casual conversations about March Madness, and then transition into hot take headlines including potential TikTok bans and an antitrust suit against Apple.
The core of the episode is dedicated to unraveling the intricacies of Roth and Traditional IRAs, discussing their benefits, limitations, and suitability for different financial scenarios. The hosts also touch upon spousal contributions, the backdoor Roth IRA strategy, and present the new provision allowing 529 plans to be rolled over into Roth IRAs.
The episode concludes with personal recommendations, highlighting the benefits of a new golf club and recommending 'The Gentlemen' on Netflix.
01:28 March Madness and Bracket Bets
03:01 Hot Take Headlines: Federal Reserve and Interest Rates
06:39 Inflation Insights and Economic Theories
11:13 TikTok Ban Controversy: Security vs. Social Media
14:04 Apple's Antitrust Suit: A Tech Giant Under Scrutiny
16:44 The Impact of Apple on the Stock Market
17:28 Apple's Legal Battles and Potential Outcomes
18:43 Retirement Planning Corner: IRA vs. Roth IRA
23:23 The Traditional IRA: An Underutilized Tool
25:06 Navigating Non-Deductible IRA Contributions and Backdoor Roth IRAs
28:39 Maximizing Retirement Savings: Strategies Beyond the 401k
30:08 Final Thoughts and Recommendations
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Thursday Mar 14, 2024
Thursday Mar 14, 2024
In this episode of the Retirement Plan Playbook, hosts Brent Pasqua, Matthew Theal, and Joshua Winterswyk of Evermont Wealth discuss investment strategies, retirement planning, and current events.
The conversation kicks off with an analysis of the cryptocurrency market's recent bullish trends, particularly highlighting Bitcoin's surge following ETF announcements. The team explores inflation's impact, potential Federal Reserve actions, and the broader implications for investors.
The episode transitions to discuss the cancellation of Apple's ambitious Project Titan car initiative, focusing on the implications for AI development and the challenges of automobile manufacturing.
The hosts also address a potential future where 401k plans could be reevaluated by the government, examining the implications for savers and the overall economy.
Lastly, the episode delves into lifestyle planning for retirement, emphasizing the importance of finding a new purpose, staying socially, physically active, and planning for unexpected scenarios.
The dialogue concludes with personal recommendations and a candid discussion about fast food choices and prices, offering a light-hearted reflection on the accessibility and costs of convenience meals in today's economy.
01:35 The Bitcoin Boom: A Deep Dive into Cryptocurrency Trends
03:31 Inflation and Economic Trends: Navigating the Financial Landscape
07:10 Apple's Project Titan Cancellation: Shifting Focus from Cars to AI
11:58 The Future of 401k Plans: Debunking the Myths
17:03 Beyond the Numbers: Embracing the Lifestyle Shift in Retirement
22:59 Finding Purpose in Retirement
29:11 The Importance of Continuous Learning and Growth
31:21 Financial Planning for Retirement: Preparing for the Unexpected
32:37 Setting Goals and Planning for a Successful Retirement
35:04 Evermont Recommends: Air Fryers, Fast Food, and Birthday Wishes for Brent
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Thursday Feb 29, 2024
Thursday Feb 29, 2024
The Retirement Plan Playbook podcast, hosted by Brent Pasqua, Matthew Theal, and Joshua Winterswyk of Evermont Wealth, explores investment strategies, retirement planning, and current events. They aim to equip listeners with insights to build a robust retirement playbook that can adapt to any political or economic climate.
This episode discusses the stock market, interest rates, inflation in relation to the Federal Reserve's decisions, and the influence of tech companies Nvidia and Super Microcomputer on the stock market. They also touch upon a major acquisition by Capital One and delve into the complexities of making deductible IRA contributions.
00:36 Hosts' Casual Conversation and Personal Stories
03:08 Deep Dive into the CPI and Inflation
05:32 Nvidia's Earnings and Impact on the Market
09:03 Super Microcomputer: A New Player in the Market
11:41 Capital One's Acquisition of Discover Card
14:15 Jeff Bezos Selling Amazon Stock: An Analysis
17:33 Understanding IRA Contributions
18:54 The Impact of Roth IRA Contributions on IRA Eligibility
19:37 The Potential of Splitting IRA and Roth Contributions
23:59 Understanding the IRA Contribution Eligibility for Married Couples
27:06 Evermont Recommends: TV Shows and MLS Season
Connect with Evermont Wealth:
- matthew@evermont.com
- (909) 296-7977
- Evermont.com
- LinkedIn: Matthew Theal
- LinkedIn: Brent Pasqua
- LinkedIn: Joshua Winterswyk
- LinkedIn: Evermont Wealth
Thursday Feb 15, 2024
Thursday Feb 15, 2024
In this episode of the Retirement Plan Playbook, hosts Brent Pasqua, Matthew Theal, and Joshua Winterswyk discuss the concept of sequence risk in retirement planning.
Sequence risk refers to the risk of receiving lower or negative returns early in a period when retirees begin to withdraw money from their retirement funds. They examine how strategies like portfolio diversification, maintaining a bigger cash reserve, and hiring a financial planner can mitigate sequence risk.
Nevertheless, they caution against relying on annuities, as they often yield poor returns.
00:02 Introduction to the Retirement Plan Playbook
02:21 Impact of Southern California’s Rain Storm
03:38 Discussing Federal Reserve Meeting and Interest Rates
09:03 Exploring the Influence of Tech Companies on Economy
13:24 Deep Dive into Sequence Risk and Retirement Planning
23:28 The Impact of Market Downturns on Retirement Portfolios
26:14 Strategies to Mitigate Sequence Risk
28:19 The Importance of Detailed Planning and Clear Communication
28:36 The Fear of Missing Out (FOMO) in Investment Decisions
29:30 The Controversy Surrounding Annuities
34:11 The Role of Financial Advisors in Retirement Planning
35:35 The Importance of Proactive Planning and Review
37:24 The Importance of Tax Planning in Retirement
38:35 Final Thoughts on Sequence Risk and Retirement Planning
40:46 Recommendations and Concluding Remarks
Connect with Evermont Wealth:
- matthew@evermont.com
- (909) 296-7977
- Evermont.com
- LinkedIn: Matthew Theal
- LinkedIn: Brent Pasqua
- LinkedIn: Joshua Winterswyk
- LinkedIn: Evermont Wealth
Thursday Feb 01, 2024
Thursday Feb 01, 2024
On this episode of The Retirement Plan Playbook, hosts, Brent Pasqua, Matthew Theal, and Joshua Winterswyk of Evermont Wealth, discuss the 4% withdrawal rule, a guideline that helps to craft a sustainable retirement plan. The rule suggests that retirees can withdraw 4% of their portfolio every year during retirement, adjusting for inflation subsequently, and the portfolio should, theoretically, last for 30 years.
However, the participants emphasize the complexity of the rule and the dynamic nature of the planning based on lifestyle, market conditions, taxes, and unforeseen needs. They also debate the rule’s limitations and potential misapplications, presenting a case for a personalized approach to financial management.
00:02 Introduction to the Retirement Plan Playbook
00:55 Discussion on the 4% Withdrawal Rate
01:41 Super Bowl Excitement and Predictions
04:06 Exploring the New Apple Vision Pro
08:53 Netflix's Entry into Live Sports
12:12 Understanding the 4% Rule for Retirement
21:58 The Bowling Alley Analogy: Guardrails in Financial Planning
22:31 The Importance of Flexibility in Retirement Income Planning
26:34 The Challenge of Conservative Investment and Income Approaches
28:09 The Art of Retirement Planning: Individualizing the Approach
30:33 The Impact of Taxes on Retirement Withdrawals
32:01 The Importance of Regular Financial Review and Planning
35:16 Final Thoughts on the 4% Rule and Retirement Planning
Connect with Evermont Wealth:
- matthew@evermont.com
- (909) 296-7977
- Evermont.com
- LinkedIn: Matthew Theal
- LinkedIn: Brent Pasqua
- LinkedIn: Joshua Winterswyk
- LinkedIn: Evermont Wealth
Thursday Jan 18, 2024
Thursday Jan 18, 2024
In this episode of the Retirement Plan Playbook podcast, Brent Pasqua, Matthew Theal and Joshua Winterswyk, of Evermont Wealth, discusses the company's rebranding in order to build stronger brand recognition and better align with their vision for the future.
The podcast also recaps market trends from 2023. An optimistic year that defied bearish predictions, major indexes like the S&P 500 and the Nasdaq saw returns of over 24 and 43% respectively.
Despite challenges like increased layoffs in a variety of sectors and potential inflation, the overarching strategy remains passive investing. In terms of what could stall the ongoing rally, factors such as increased inflation, economic slowdown, and escalation of global conflicts were identified.
The episode also highlights the approval of Bitcoin ETFs as a revolutionary step which could steer retirement planning in 2024. Brent shares his personal plan to continue building on AI-focused stocks, reflecting a widespread optimism towards AI's future. The episode concludes with some personal anecdotes and well wishes for a great year ahead.
00:01 Introduction and Welcome Back
00:28 Discussing the Rebranding from RPA to Evermont
02:46 The Importance of a Good Company Name
04:00 The Journey to the New Brand Name: Evermont
06:28 The Significance of the New Logo
06:49 Reflecting on the Rebranding Process
08:28 The Impact of the Rebranding on the Company's Future
10:45 Recapping the Market Performance in 2023
12:54 Investing Lessons from 2023
16:23 Investing Trends for 2024
21:02 Favorite Purchases of 2023
23:03 Discussing a Recent Concert Experience
23:38 Sharing Favorite NFL Team Experiences
24:46 Office Remodeling and Family Trip to Disney World
25:47 Reflecting on the Value of Experiences Over Materialistic Purchases
26:50 Predicting Market Trends for 2024
29:58 Changes in Retirement Planning in 2024
34:14 Personal Investment Strategies for 2024
38:50 Anticipated Big Purchases for 2024
42:01 Closing Thoughts and Wishes for a Prosperous Year
Connect with Evermont Wealth:
- matthew@evermont.com
- (909) 296-7977
- Evermont.com
- LinkedIn: Matthew Theal
- LinkedIn: Brent Pasqua
- LinkedIn: Joshua Winterswyk
- LinkedIn: Evermont Wealth