Re-Engineering Your Finances Podcast

If you’ve switched jobs in the past few years, chances are you’ve got an old 401(k) sitting somewhere, collecting dust and possibly fees. Today, we’re answering a listener’s question about what to do with an old 401(k), when a rollover makes sense, and how to avoid common pitfalls when making the switch.

Important Links:

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

Call: 610-388-7705

Financial Planning and Advisory Services are offer...

We got a thoughtful question from Amanda last week, who said: ‘I’ve been saving for retirement, but I’ve never actually made a plan.’ And she’s not alone. There are plenty of people who’ve built solid savings but haven’t connected the dots to what retirement will actually look like. So today, we’re talking about the first steps to turn good saving into a great retirement plan.

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Website: https://www.cpweldegroup.co...

The thing about assassins in the real world is that they’re sneaky and you don’t see them coming. And the assassins in the retirement planning world are exactly the same way. Let’s talk about some of the retirement assassins that can destroy your retirement if you’re not on guard.

Important Links:

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

Call: 610-388-7705

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

The Masters is a beautiful reminder of just how much strategy, patience, and long-term focus goes into a great round of golf. Turns out, retirement works a lot like the game. Today, we’re teeing up a few key lessons from the course and how they translate into smarter planning for your financial future.

Important Links:

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

Call: 610-388-7705

Financial Planning and Advisory Services are offered...

Tax season is here, but filing your 2024 return is just one piece of the puzzle. Now is also the perfect time to take advantage of new tax rules for 2025—before the year gets away from you. With higher standard deductions, increased retirement contribution limits, and updated HSA rules, there are plenty of opportunities to lower your tax bill and boost your savings. In this episode, we’ll break down the key changes and how you can ...

April Fool’s Day is all about jokes and pranks, but when it comes to retirement planning, getting fooled can cost you real money. Today, we’re uncovering the beliefs that fool retirees and pre-retirees into making bad financial moves.

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 invest...

Got financial questions? You’re not alone! In this episode, we're tackling listener questions on everything from Social Security timing and high annuity fees to investing side hustle income and navigating trust issues with financial advisors. We’ll also talk about market crash fears, long-term care planning, and whether it’s worth taking a job if it means losing disability benefits.

Important Links:

Website: https://www.cpweldegr...

For years, $1 million was considered the gold standard for retirement savings. But is it really enough? A new analysis shows that depending on where you live, that million could last a lifetime… or barely 15 years. In this episode, we break down the shocking cost-of-living differences across states and see if $1 million saved is enough or too little for your retirement plan.

Important Links:

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

If you’ve spent years successfully managing your own investments, do you really need a financial advisor? That’s the question Bob, one of our listeners, sent in. He’s got an MBA, knows the markets well, and has always handled his portfolio solo. So, is working with an advisor just an extra expense, or could it actually add real value? In this episode, we break down when and why even experienced investors might benefit from professi...

We’re already a month into 2025—how’s it going so far? Maybe you set some financial goals back in January, or maybe you’re just now thinking about how to make this year better than the last. Either way, it’s never too late to take control of your money and set yourself up for success. Today, we’re reflecting on past financial habits and exploring the changes you can make now to create a stronger financial future. Because the best t...

We get a great story on today’s episode about how Charles helped a recent client achieve the goal of the zero percent tax bracket. Find out how it happened and how you might be able to achieve this goal by listening to this episode!

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 investme...

IRAs are unique and come with rules that can significantly impact your retirement and legacy planning. In this episode, we’ll explore what makes IRAs different, how distributions are taxed, and why strategies like combining traditional and Roth accounts or gifting IRA dollars might be worth considering. Don’t miss these essential insights for protecting your wealth.

Important Links:

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

Call: 61...

The holiday season is here, and while you’re stuffing stockings for your loved ones, don’t forget to stuff your own financial stocking with tips that can bring you closer to a secure retirement. Today, we’re unwrapping 10 bite-sized, actionable ideas to help you save smarter, invest better, and plan for the future you deserve.

Important Links:

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

Call: 610-388-7705

Financial Planning and Advi...

Today, we’re sitting down with Charles Welde to explore real-life financial dilemmas from listeners just like you. From navigating late-life divorce and planning for aging parents to deciding whether to pay off a mortgage or give an unexpected inheritance to your kids—we’ve got practical guidance you don’t want to miss. Let’s dive into these financial crossroads and help you make smarter money decisions.

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We’re often told not to worry about market dips when we’re young, but when does this advice expire? In this episode, we'll discuss the critical shift that happens as you approach retirement, transitioning from accumulating to withdrawing assets.

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 regist...

For many, dividends seem like the holy grail of passive income. But is it wise to rely solely on dividends for retirement? Join us as we unpack the risks and rewards of a dividend-focused retirement strategy.

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 prin...

Ever wonder how your financial advisor really gets paid—and what that means for you? Whether it’s a fee, a commission, or a salary, the way your advisor earns money could be influencing the advice they give you. In today’s episode, we’re talking about the different pay structures of financial advisors, revealing the benefits, the potential biases, and what you need to know to make sure your money is truly working for you. If you’re...

With National Financial Planning Month upon us, we’re sitting down with Charles to uncover the strategies and steps that go into building a personalized financial plan. From that first phone call to implementing a strategy that aligns with your goals, this discussion will offer valuable insights for anyone looking to understand what it looks like to go through the planning process with a real financial advisor.

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Remember when you were a kid, always asking 'How do you know?' about everything, like why the sky is blue or where the sun goes at night? That curiosity doesn't go away as we get older; it just turns into different questions, like the ones we face when planning for retirement. In this two-part episode, we’re digging into the 'How Do You Knows' of retirement planning.

Important Links:

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

Call: 6...