Red Clay on Wall Street
Welcome to our show, Red Clay on Wall Street, with our host, CERTIFIED FINANCIAL PLANNER™, Dr. John Colegrove. Red Clay on Wall Street is designed to provide a hometown view of stories and topics that may affect the financial lives of our investors both young and old. Listeners will hear real stories about clients and glean educational content to help you better prepare for retirement.
Episodes
Dr. John Colegrove dives into the Social Security Fairness Act, a significant legislative update that impacts thousands of public sector employees—including Gwinnett County Public School educators and staff, firefighters, and federal workers.
John explains the repeal of two major penalties: the Windfall Elimination Provision (WEP) and the Government Pension Offset (GPO), which previously reduced or wiped out Social Security benefit...
In this episode of Red Clay on Wall Street, John Colegrove sits down with Ryan Queen, principal of Trickum Middle School, who is preparing to retire after a full career in education. Ryan opens up about his journey through Georgia’s public school system, how he and his wife, both lifelong educators, approached retirement planning, and the moment John helped them see their future with clarity. From pensions to peace of mind, this ep...
On this episode of Red Clay on Wall Street, host, Dr. John Colegrove walks you through another financial query that you may be experiencing in your life. Today’s episode is centered around what a fixed annuity is and who it is most appropriate for, and how it compares to other financial vehicles, products, and investments. Dr. John Colegrove provides real life applicable examples for listeners to understand just how fixed annuities...
Trade tensions have interrupted an unusually calm year in U.S. stocks. In May, the S&P 500 Index fell from an April 30 record high as the United States and China failed to reach a trade deal and escalated tariff tensions. The United States also proposed new tariffs on Mexico, further complicating the outlook for trade. The turnaround in trade talks has surprised investors and rattled global financial markets.
A 401(k) plan is a retirement savings plan that is sponsored by an employer. It has grown quite popular in the United States, with over 100 million participants (Source: U.S. Department of Labor).
A 401(k) plan offers significant tax benefits while helping you plan for the future. You contribute to the plan via payroll deduction, which can make it easier for you to save for retirement. One important feature of a 401(k) plan is you...
The two major types of IRAs are traditional IRAs and Roth IRAs. Your contributions to a traditional IRA may be tax deductible on your federal income tax return. Your contributions to a Roth IRA are not tax deductible. You can invest only after-tax dollars in a Roth IRA. The good news is that if you meet certain conditions, your withdrawals from a Roth IRA will be completely income tax free, including both contributions and investme...
The two basic types of life insurance are term life and permanent (cash value) life. Term policies provide life insurance protection for a specific period of time. Permanent insurance policies provide protection for your entire life, provided you pay the premium to keep the policy in force.
In this episode of Red Clay on Wall Street, we learn about the power of compounding interest through a math presentation made by John Colegrove to a 6th grade class at Wesleyan School. The concept of compounding interest is easily explained through the Rule of 72. Learn about the "dark" and "light" side of the Rule of 72.
In this initial episode of Red Clay on Wall Street, we meet Martha. She is a senior investor who seeks more income from her investment portfolio. However, she also has a low tolerance for investment risk. Listen to the episode to see how we address her concern.
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