Re-Engineering Your Finances Podcast

Today we’re going to walk through a potential retirement story in chapters. As each new detail comes in, we're going to react to it the way a financial advisor would in a real-time meeting. Ron's 64, figured a lot of this out on his own, and this is his first time sitting down with a professional. Let's see what we find and what we might do differently from here.

Important Links:

Website: https://www.cpweldegroup.com/

C...

Everyone talks about Roth conversions, but few break down what actually determines whether one works out. This episode digs into the real variables to help you figure out if converting makes sense for your situation.

Important Links:

Website: https://www.cpweldegroup.com/

Call: 610-388-7705

Financial Planning and Advisory Services are offered through Prosperity Capital Advisors ("PCA") an SEC registered investment adviser wi...

It’s another listener mailbag episode, and Charles is tackling a wide range of real-world financial questions. Is carrying debt always a bad thing? What should you do with extra cash once you’re already maxing out your 401(k), and does downsizing in retirement really make financial sense? Charles also weighs in on gifting money to the next generation, old 401(k) rollovers, and how to think about dividing retirement asse...

Everyone says they want their money to be "safe." Almost nobody defines it the same way. Today we're breaking down what safe money really means and whether your version of safe holds up to reality.

Important Links:

Website: https://www.cpweldegroup.com/

Call: 610-388-7705

Financial Planning and Advisory Services are offered through Prosperity Capital Advisors ("PCA") an SEC registered investment adviser with its principal pl...

Coming up — should conservative investors take on more risk? If you own rental properties, do you actually need to pay off the mortgages? We've got a couple with big raises who've maxed out their retirement options and need to know what's next, plus pension vs. lump sum rollover, and the smartest financial moves you can make for a brand new grandchild.

Important Links:

Website: https://www.cpweldegroup.com/

Call: 610-38...

Risk is unavoidable — the only question is whether the risk you're taking actually makes sense for where you are in life. Today we're looking at three stages of the financial journey, and at each one we've got three types of people with three very different approaches.

Important Links:

Website: https://www.cpweldegroup.com/

Call: 610-388-7705

Financial Planning and Advisory Services are offered through Prosperity Capit...

A lot of people think working with a financial advisor is just about picking investments. But a great planning experience is much more than that. Today, we’re walking through what it actually feels like to work with a firm—from the first conversation to ongoing guidance—so you know what to expect.

Important Links:

Website: https://www.cpweldegroup.com/

Call: 610-388-7705

Financial Planning and Advisory Serv...

Graduation season is wrapping up… caps, gowns, and yearbooks full of superlatives like “Most Likely to Succeed” or “Most Popular.” So today, we’re having a little fun. Imagine you’re on the yearbook committee at the School of Financial Planning. Which tools and strategies win each category?

Important Links:

Website: https://www.cpweldegroup.com/

Call: 610-388-7705

Financial Planning...

Most folks meet with their financial advisor once a year. That meeting is one of the most valuable hours in your financial life if it's done right. Today we're going to talk honestly about what that meeting looks like when it isn't... and what it looks like when it is.

Important Links:

Website: https://www.cpweldegroup.com/

Call: 610-388-7705

Financial Planning and Advisory Services are offered through Prosperity Capital Adv...

Most retirement conversations are about saving enough. Today we're talking about the other side of that. What happens when you've saved, you're there, and you still can't bring yourself to spend it? It's more common than people admit. And it can quietly rob you of the retirement you worked so hard to build.

Important Links:

Website: https://www.cpweldegroup.com/

Call: 610-388-7705

Financial Planning and Advisory Services are...

Got money questions? We’ve got answers.

In this episode, we're tackling some of the most common (and often misunderstood) financial decisions:

- What to do if you’ve got too much company stock in your 401(k) - Smart ways to put extra cash to work - How to handle an inherited IRA without costly mistakes - Whether you’re missing out by sitting on the sidelines while markets surge - And how to estimate your tax bill ...

Quick question before we get started... which Easter candy are you most looking forward to this year? Whatever your answer is, we're going to use it. Because today we're building a financial Easter basket and matching some of your favorite candies to the products and tools that belong in a solid retirement plan.

Important Links:

Website: https://www.cpweldegroup.com/

Call: 610-388-7705

Financial Planning and Advisory Service...

We got a great question from a listener. They wrote in: "What's better- term life insurance, universal life, or whole life?" Straightforward question. Not a straightforward answer, especially if you're in your 50s. Today we're going to walk through all three...  

Important Links:

Website: https://www.cpweldegroup.com/

Call: 610-388-7705

Financial Planning and Advisory Services are offered through Prosperity Capital Advi...

Nobody likes tax season. But for new retirees, it can come with a few unwelcome surprises. The rules have changed, the income sources have shifted, and strategies that made sense during your working years may no longer apply. Today we're looking at some of the biggest tax mistakes retirees make as discussed in a recent Kiplinger article and whether these match what we see in the real world. 

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There’s no shortage of financial advice out there, and unfortunately, not all of it is good. Some of the most damaging retirement mistakes don’t come from reckless behavior, but from ideas that sound reasonable and get repeated often enough to feel true. Today, we’re busting some of the most common retirement planning myths and explaining why believing them can quietly derail an otherwise solid plan. 

Import...

A new government-backed savings account for kids is coming. On the surface, it sounds like a win. Free money for newborns, long-term investing, and a head start on adulthood. But once you look under the hood, Trump Accounts raise some real questions about taxes, flexibility, and whether they beat existing options. Today, we’re walking through the pros and cons and asking if this new account is worth the effort. 

Importa...

It’s mailbag time! Today, Charles answers recent listener questions sent into the show. From worrying about inflation and holding too much cash, to downsizing- or upsizing- into retirement, this episode tackles the financial dilemmas listeners are facing in 2026.

Important Links:

Website: https://www.cpweldegroup.com/

Call: 610-388-7705

Financial Planning and Advisory Services are offered through Prosperity Capital Adv...

Nothing will mess with your financial confidence faster than comparing your savings to your brother, your coworkers, or that guy on YouTube who claims he retired at 35. Your retirement number isn’t a competition. Let’s talk about what really matters when you’re trying to figure out if you’re behind on your savings goals…and what to do if you actually are.

Important Links:

Website: https://www.cp...

In this episode, we tackle a wide spectrum of listener questions about retirement, divorce, inheritance, taxes, investing, and paying for big life events. If you’ve ever wondered how to navigate financial decisions when everything happens at once, this conversation is for you.

Important Links:

Website: https://www.cpweldegroup.com/

Call: 610-388-7705

Financial Planning and Advisory Services are offered through Prosperi...