Retire Right with Epstein and White

Retire Right with Epstein and White

Epstein & White, proudly a part of Mercer Advisors, operate a comprehensive wealth management firm and offer a full range of financial products and services. They help guide their clients through a tailored retirement planning process for a financially sound and enjoyable retirement. For additional information, disclosures and descriptions of professional designations references, please visit www.epsteinandwhite.com.

Episodes

December 2, 2022 41 min
We’re winding down the year 2022 and we want to talk about some of the lessons we’ve learned from this year because we certainly know that you all have learned plenty of lessons this year. One that rises to the top would be Interest Rates. What did we learn about our economy, the fed and interest rate hikes and truly cooling inflation? Brad discusses in todays show.
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Since 1950, all 18 midterm elections have been followed by an up year for the stocks. The stock market says, this is what we tend to do when it comes to elections at the midterm.
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As we head towards the final quarter of the year and we head towards a new year in 2023, we know that markets are still up and down, inflation is still there, we know that social security has been raised. The cost of living increase next year will be 8.7%. What if my retirement date is in the next 12 months? You’ve planned it in your mind, but what about retiring when the economy is all over the place right not? Brad answers th...
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October 6, 2022 41 min
Risk is uncertainty about lifetime consumption. Long story short, you should know how to define risk. Is it the likelihood something can lose money? Is it how much it can possibly go down? Or is it just volatility along the way? Brad explains in todays show!
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Over the past 6 months the US created an average of 381k jobs per month compared to pre pandemic pace of less than 200k. This is a good thing because as the fed raises rates hoping to cool the economy down and therefore inflation, this provides a cushion for them to do so without the economy falling into full recession or anything like that.
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The benchmark S&P 500 Index’s recent rebound has brought it more than halfway back from its 2022 low point in mid-June, which is an encouraging sign for many investors. It’s certainly one of the most statistically reliable signals in the stock market. But does that mean it’s safe to get back into stocks?
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Let’s say you have a rental property that you bought a while ago. In San Diego that means you have HUGE gains in that house, and if you ever sell it will be a capital nightmare. Brad offers some tips on how you could potentially get rid of the tax.
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August 11, 2022 41 min
There’s a lot of speculation lately about whether the U.S. is officially in a recession. Both President Joe Biden and Federal Reserve Chair Jerome Powell said we’re not there just yet, pointing to the strong labor market and rising wages. Brad weighs in on today’s show.
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Don’t forget about what you can and can’t do before Full Retirement Age!
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Long story short is you could be earning more than 4% completely guaranteed on your money right now. Brad explains in todays episode.
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On June 15th, the fed voted to raise 75 bps for July, first time since November 1994. What happened with the market then and what could we expect this time?
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What does it mean to have a retirement plan done? It simply means you say “id like to be able to live off of x amount of money in order to do all of the things I like to do.
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For 13 years we had an accommodative monetary policy, we went into the worst recession since great depression, the worst stock market decline since then and now we’re in a totally different environment with inflation the highest in 40 years.
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For those that go “well the market is down 13% first four months to the year, and were hearing now we could be entering a recession and having more inflation – so we haven’t even seen that part yet!” - this is why the term leading indicator is so important to note.
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Market will remain choppy and may at best manage single-digit gain in 2022 –Vanguard projects annual gains in U.S. stocks of only around 3% to 5% over the next decade after a rise of nearly 27% last year in the S&P.
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Do you own actively managed (traditional) Mutual Funds in your non-qualified accounts? Mutual funds are designed to do two main (good) things – diversification and professional management. However they don’t actually “trade” they “redeem.” so inside the fund might be 100 stocks, and the whole idea is the manager is choosing and buying and selling them inside the fund the whole time – for a fee. And the idea is you don’t know how o...
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April 8, 2022 41 min
All the headlines talking about a possible US recession on the horizon..... what does this mean for your investments and retirement plan? On todays show, Brad reviews basic facts at a very high level. Economies and Markets are of course very connected – but they don’t move in lockstep with each other at all. The market, is a leading indicator for the economy. The market reacts today based on what it THINKS the economy will do in t...
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On March 16 the Fed approved a .25% rate hike, which was the first time this has happened since 2018. Also, the indication is that they will do the same all 6 coming meetings remaining in 2022 – we had an inflation reading of 6.1% in January! US inflation hit a 40-year high of 7.9% in February!
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The market immediately assuming this is bad for oil supply and prices increasing as response.
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How do geopolitical events both here and abroad can have an effect on the markets, but how can they effect our portfolio?
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