Retirement Plan Playbook

Don’t Hit The Panic Button Just Because The Market Is Crashing! (Ep.76)

Things are changing very quickly in the stock market.

 

So what can you do to enhance your portfolio’s performance in such an unpredictable time?

 

In this episode, Matthew Theal, Brent Pasqua and Joshua Winterswyk discuss the recent news about housing market interest rates, the consumer price index, and the longer than average downturned stock market.

 

Matthew, Brent, and Joshua discuss:

 

  • Updates about the consumer price index and what it means for you
  • The shifting interest rates in the housing market and the reality for want-to-be homeowners
  • The motivations and overall purpose of the Federal Reserve and how it affects your bank account
  • What you can do right now that can enhance your financial performance in the coming years
  • And more

 

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The Top Five Issues To Consider During A Financial Market Correction (Ep.75)

How can you prepare yourself and your family for a financial market correction?

 

In this episode, Matthew Theal, Brent Pasqua and Joshua Winterswyk discuss the top five issues to consider during a financial market correction. They will also share some strategies to help you out when it happens.

 

Matthew, Brent, and Joshua discuss:

 

  • The take on the new law that has been signed in California that could increase wages for fast food workers to $22 an hour starting in 2023
  • What a financial correction could mean for you if you are retiring in the near future
  • How to determine if your cash flow will change during a market correction
  • How to avoid reactive decisions during a downturned market (saving your retirement fund!)
  • And more

 

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Helping Aging Parents With Finances (Ep.74)

How do we talk to our parents about their finances? 

 

Asking questions related to money can be difficult even if it's your own family, but it shouldn't be. At a certain point, we are most likely going to be in charge of our parents' money and making financial decisions for them. So, what do you think is the ideal age to start this conversation with your parents?

 

In this episode, Matthew Theal, Brent Pasqua, and Joshua Winterswyk explain the several things we should know about our parents' finances to help them in the future.

 

Matthew, Brent, and Joshua discuss:

 

  • The meaning of a sandwich generation
  • Understanding your parents’ income and expenses
  • The legal and financial information you need access to
  • What to do if your parents are refusing help with their finances
  • And more

 

Resources:

 

 

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Answering Your Questions About The Real Estate Market With Kelli Vanevenhoven (Ep. 73)

In recent years, the real estate market has been on fire, but now it seems to be cooling down.

 

Do you know why this is happening?

 

In this episode, founder and real estate agent of Coldwell Banker Blackstone Realty, Kelli Vanevenhoven, discusses the current state of the real estate market and what it means for you and your current financial situation.

 

Kelli discusses:

 

  • Her educated opinion on where she thinks the real estate market is headed in the next few months
  • How she manages over 160 real estate agents
  • How she makes her business stand out from its competitors and how you can do the same
  • How to know if you should be selling or buying a house right now
  • And more

 

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About our Guest: 

 

Kelli Vanevenhoven is the founder and real estate agent of Coldwell Banker Blackstone Realty who is extremely versed in the real estate market. Kelli is passionate about helping people reach their goals. Kelly has been serving in the Southern California marketplace for over two decades and has closed over 300 million in real estate transactions.

 

Kelli specializes in luxury homes, REO sales, relocation, first-time home buyers, and the training of new real estate professionals.



What It Means To Be A Fiduciary (Ep.72)

The word “fiduciary” gets tossed around a lot in the financial advising industry.

 

So what does it actually mean and what difference do they make in your financial planning process?

 

In this episode, Matthew Theal, Brent Pasqua and Joshua Winterswyk discuss what the difference is between a fee-only financial advisor and all other financial advisors and what value a fiduciary fee only financial advisor can add to your financial planning process.

 

Matthew, Brent, and Joshua discuss: 

 

  • What a fiduciary is and how they can help you in your financial journey
  • The different ways financial advisors get paid and which method better suits you
  • Why RPA Wealth Management switched from commission to fee-based revenue and how it benefits you
  • Why the meaning of fiduciary has become skewed and how you can be sure you are working with a real one
  • And more

 

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How To Tell When a Recession Is Coming And How You Can Prepare For It (Ep.71)

2022 has been far from a regular year, as have the past three years.

 

The war in Ukraine, the after effects of Covid-19 on the economy, and talks of a recession all makes 2022 a very unusual year. 

 

But how have these events affected you and your finances?

 

In this episode, Brent, Matthew, and Joshua discuss some of the most talked about events of 2022 and explain how they have impacted the everyday lives of Americans, just like you.

 

Brent, Matthew, and Joshua discuss: 

  • Elon Musk vs. Twitter: Why he backed down from his ownership and why he is getting sued
  • How the Ukraine and Russian war has influenced this major spike in inflation
  • What characteristics in the economy tell you that a recession is occurring
  • How global events have subliminally impacted your spending patterns
  • And more

 

Resources:

 

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Predictions About Cryptocurrency, The Housing Market, and Interest Rates (Ep.70)

A lot of people are panicking every time they check their portfolio these days. 

 

There is no need for this, in fact, you should just be riding the wave.

 

In this episode, Matthew Theal, Brent Pasqua, and Joshua Winterswyk share their insight about the cryptocurrency meltdown, the housing market, and interest rates. They also discuss how their predictions about them can influence you in the coming months and years.

 

Matthew, Joshua, and Brent discuss: 

  • The cryptocurrency meltdown––comparing crypto from 2020 to now
  • What the future of cryptocurrency investments could look like
  • Their predictions about the housing market and interest rates
  • Some insight about why you shouldn’t be panicking during this downturned market
  • And more

Resources:

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Analyzing The Current State Of The Stock Market (Ep.69)

Unless you have been living under a rock for the past few months, you have noticed the intense effects of inflation.

 

In this episode, Brent Pasqua, Matthew Theal, and Joshua Winterswyk discuss the state of the stock market as of June 2022 and highlight what a downturned market has meant for investors throughout history.

 

Brent, Matt, and Joshua discuss: 

  • Their thoughts on the new LIV golf tournament (rival to the PGA tour)
  • The effects of the rising consumer price index and the staggering increase of inflation
  • Their opinions of what this inflation will cause in the United States
  • The upside on the downturned stock market and what it means for the future of your investments
  • And more

 

Resources:

 

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Our Onboarding Process at RPA Wealth Management (Ep.68)

If you have never worked with a financial advisor before, it can leave you wondering what to expect during the onboarding process of becoming a client.

 

In this episode, Matthew Theal, Brent Pasqua, and Joshua Winterswyk walk you through the process of what it's like to start working with their team.

 

Matthew, Brent, and Joshua, discuss:

  • How they apply a seven step financial planning process
  • The structure of each meeting with you
  • The first questions they will ask you and how your responses determine a financial plan
  • How they communicate with you
  • And more

Resources:

 

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What To Expect When Working with RPA Wealth Management (Ep.67)

No one’s financial plan should be identical to another’s because everyone’s financial journey is going to be different.

 

What are your unique financial goals?

 

In this episode, Matthew Theal, Brent Pasqua, and Joshua Winterswyk discuss how they personalize their financial services to each of their clients to fulfill their unique financial goals and needs. 

 

Matthew, Brent, and Joshua discuss: 

  • An overview of services their company has to offer you
  • The importance of laying out your goals before creating a financial plan
  • Why their clients don’t need to be located in the same area as RPA Wealth Management to use their services
  • What you need to bring to your first financial planning session
  • And more

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Creating Client Confidence and Connection (Ep.66)

No one person is the same, so therefore each portfolio and client should be treated differently based on their personal goals for retirement.

In this episode, Matthew Theal, Brent Pasqua and Joshua Winterswyk, sit down to discuss the next steps for the Retirement Plan Playbook and their focus on helping those that are ready to retire. Together they highlight how their team works to connect with their clients and achieve their goals.

Matthew, Brent, and Joshua discuss: 

  • How they got started in financial planning and what brought them together
  • What separates their practice from other financial firms
  • How they spend their time with friends and family outside of work
  • And more

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The Looming Recession’s Impact on Retirees (Ep.65)

Whether you are talking about inflated prices of grocery lists or the struggling stock market, the conversation of an approaching recession is all around us.

 

In this episode, Matthew Theal, Brent Pasqua and Joshua Winterswyk of RPA Wealth Management, discuss common questions and concerns when potentially approaching a recession. Together they break down the nerves of working in an unhealthy economy and entering into your retirement. 

 

Matthew, Brent, and Joshua discuss:

  • The definition of a recession and what it potentially indicates for cost of living and the stocks
  • Why people think we are heading into a recession and the different causes
  • How to take advantage of a recession to make better retirement decisions
  • And more

 

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Ep 64: Will The Russia & Ukraine Conflict Crash The Market?

The conflict between Russia and Ukraine has invoked fear in investors because some believe that this event will cause a crash in the American stock market. Is there truth to this sentiment? Or will the market gloss over this news item in a couple weeks? Brent, Matthew, and Joshua will take a look at how the stock market has performed in previous wartimes and draw some conclusions based on the historical data.

Important Links:

Website: https://rpawealth.com/

Call: 909-296-7977

Ep 63: Protect Your Retirement From Inflation

Inflation has been a hot topic since last year and rates are still rising. It's important that you find a way to hedge against this risk, so your retirement does not suffer. Brent, Matthew, and Joshua discuss some different ways you can protect your portfolio from inflation.

Important Links:

Website: https://rpawealth.com/

Call: 909-296-7977

Ep 62: 2022 Preview

With 2021 in the rearview mirror, Brent, Matthew, and Joshua look ahead to what the rest of 2022 may have in store for us.

Important Links:

Website: https://rpawealth.com/

Call: 909-296-7977

Ep 61: 2021 Wrap Up

Brent, Matthew, and Joshua say goodbye to 2021 on this episode by highlighting their favorite moments of the year, what shocked them the most, and what they are looking forward to in the new year.

Important Links:

Website: https://rpawealth.com/

Call: 909-296-7977

Ep 60: Year End Financial Planning Strategies

The end of the year is once again upon us. This is a great time to look at your finances and see if there are any improvements you can make. Brent, Matthew, and Joshua will talk about some end of the year strategies you can implement, so you can kick off 2022 with a solid financial situation.

Important Links:

Website: https://rpawealth.com/

Call: 909-296-7977

Ep 59: Creating A Balance Sheet

One important financial tool that is often overlooked is a balance sheet. This will help you keep an inventory of the financial assets you have and you can easily track your progress from year to year. Brent, Matthew, and Joshua will walk you through on how to create a balance sheet, the different elements you should include, and how you can utilize this tool to make better financial decisions.

Important Links:

Website: https://rpawealth.com/

Call: 909-296-7977

Ep 58: Amber Storms Interview

We invite Amber Storms of Collaborative Tax Partners to the podcast this week. Amber is an enrolled agent, which is the highest credential that is awarded by the IRS. She is passionate about helping her clients navigate through the complex and ever-changing tax landscape. Brent, Matthew, and Joshua discuss common mistakes Amber sees in her practice, collaborative tax planning, and some considerations to keep in mind as we approach the end of the year.

Amber's Links:

Website: https://www.collaborativetaxpartners.com/

Email: amber@ctptax.com

Call: 877-634-3377

RPA's Links:

Website: https://rpawealth.com/

Call: 909-296-7977

Ep 57: Cash Management For Inflation

We have been feeling the effects of inflation over the past year and this topic of conversation is quickly becoming a top concern. Brent, Matthew, and Joshua talk about some of the factors that have contributed to the rise of inflation and some of their favorite cash management strategies to protect against this risk.

Important Links:

Website: https://rpawealth.com/

Call: 909-296-7977

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