Saving With Silverman
Investing and financial planning guidance with Certified Financial Planner Professional Mark Silverman in Tucson, AZ.
Episodes
We made a list of some financial proverbs that we thought might be able to help you in your financial situation. Find out what you can glean from these wise words.
Key topics on this show:
2:39 – Bird in the hand
4:02 – Rising tide
4:38 – Eggs in one basket
5:43 – One man’s trash
For more financial information, visit us online: https://silverman-associates.com/saving-with-silverman-podcast
Everyone has a different vision for what retirement will look and knowing how you’ll spend your time will help you build your retirement plan. Today we’ll look at what retirement commonly means to retirees in Arizona and Mark will also share his thoughts on the rise of inflation.
Key topics on this episode:
0:39 – Mark’s thoughts on inflation
2:42 – Want to have nothing but fun
4:23 – Want to do nothing in retirement
6:15 – Want...
Most people have a junk drawer at home with rubber bands, clothespins, highlighters, a tape measure, and a pair of scissors. But most people have a financial junk drawer, too. We’ll share what’s often in there and how those things might be put to better use.
Key topics on this show:
1:52 – Life insurance policy
3:24 – Will or estate plan
4:34 – Social Security estimate
5:26 – 401k statements
6:46 – US savings bond
7:45 – Vacant ...
Today we’re sharing some details you might be overlooking as you plan for retirement. For example, have you thought about whether you’ll need to support your parents or children? We’ll share more missed details on today’s show.
Today's Key Points:
0:43 – Parents and kids
1:47 – Quitting your job
4:25 – Major purchases
5:31 – Death of spouse
For additional financial resources, visit us online: https://silverman-associates.co...
Should you retire early If you believe a large inheritance is coming your way? How much tax should you be withholding? Should you buy an investment property with your parents? We’re answering your mailbag questions today.
Today's Key Points:
0:36 – Federal crimes
2:00 – Inheritance
3:53 – Withholdings
5:05 – Property with parents
For additional financial resources, visit us online: https://silverman-associates.com/saving-wi...
A lot of people have questions about their retirement plan, but you might be asking the wrong questions. We’ll share some common wrong questions and what better questions might be.
Today's Key Points:
0:46 – How much to save?
1:38 – Long-term care insurance
2:49 – The highest return
4:36 – Fees
5:55 – Taxes
For additional financial resources, visit us online: https://silverman-associates.com/saving-with-silverman-podcast
Just because you can’t plainly see all of the expenses you’ll incur during the retirement planning process, that doesn’t mean they aren’t there. We’ll share some of the hidden expenses you might uncover.
Today's Key Points:
2:00 – Mutual funds
2:47 – Variable annuities
3:57 – Inflation
5:43 – Tax increases
6:40 – Leisure activities
For additional financial resources, visit us online: https://silverman-associates.com/savin...
When looking for a financial advisor, beware of signs that they are more interested in giving you sales pitches than helping plan your financial future. We’ll share things to watch out for when selecting a professional to help with your money and tell you more about the planning process we utilize with clients.
What we discuss in this episode:
1:38 – Advisor or salesperson?
2:30 – Planning process
4:37 – Mark’s process
5:48 – Wh...
In retirement planning, there are many things that are completely out of your control. Fortunately, the things that you can control allow you to deal with those things you can’t.
What we discuss in this episode:
1:55 – Market and risk
3:40 – Life span and income
5:23 – Tax rates and future taxes
6:43 – Social Security and income plan
Read more and get additional financial resources here: https://silverman-associates.com/saving...
Creating a customized retirement plan for any individual can mean addressing some unique challenges. We’ll share some scenarios, discuss the challenges presented and share what solutions we recommend.
Read more and get additional resources here: https://silverman-associates.com/saving-with-silverman-podcast
What we discuss in this episode:
1:53 – Age gap
2:48 – Early retirement
4:06 – Lack of liquidity
5:28 – Separate fi...
What are your thoughts on tax refunds, mortgages, macaroni and cheese and Star Wars? Let’s have some fun today and talk about whether these things are overrated, underrated or properly rated.
Read more and get additional financial resources here: https://silverman-associates.com/saving-with-silverman-podcast
What we discuss in this episode:
0:51 – Tax refund
1:44 – Star Wars
2:30 – Paying off mortgage
3:33 – Variable annuities
...If you want a successful retirement, we’re sharing some of the foundational building blocks you need to have in place. For example, is your income plan ready to go?
What we discuss in this episode:
1:15 – Income plan
1:57 – Money that lasts
3:12 – Being unprepared
4:25 – Steps to take
5:38 – Success stories
Read more: https://silverman-associates.com/saving-with-silverman-podcast
Today we’re sharing some crucial financial questions. How do you know how much income you’ll need in retirement? Are you taking too much risk on in your investments? We’ll answer these questions and more.
What we discuss in this episode:
0:44 – How much income will you need?
2:03 – How much money in savings?
3:00 – How much life insurance?
4:19 – How much risk
6:06 – Are fees too high?
7:13 – Is an advisor a good fit?
As a financial professional, there are things that Mark wishes everyone knew and understood about the financial industry. Today he’s going to share some of the tricks that sometimes get played and how to spot them.
What we discuss in this episode:
0:56 – Tricks
3:06 – Fees
3:50 – Risk potential
5:13 – Credentials
7:02 – Taxes
Read more: https://silverman-associates.com/saving-with-silverman-podcast
Delayed gratification is a difficult skill to master and that’s just as true with financial matters as it is in the other areas of your life. Let’s talk about some instances where you might be faced with a choice of being satisfied now or satisfied later.
Read more and get additional financial resources here: https://silverman-associates.com/saving-with-silverman-podcast/ep-46-how-delayed-gratification-can-help-your-finances
Wh...
Psychologists have determined that retirement is the 10th most stressful event that you can experience in life. Today we’re sharing some ways to proactively deal with that stress.
Read more and get additional financial resources here: https://silverman-associates.com/saving-with-silverman-podcast/ep-45-how-to-deal-with-financial-stress-in-retirement
What we discuss in this episode:
1:06 – Lifestyle changes
2:08 – Retiring ear...
In today’s mailbag, we’re answering your questions. Carl wants to know if he can gift $150,000 to his daughter. Laura wonders what she should do with her money after retirement. And Eddie is debating whether to hire a financial advisor.
Read more and get additional financial information: https://silverman-associates.com/saving-with-silverman-podcast/ep-44-mailbag-gifts-to-children-money-after-retirement-hiring-advisors
What we ...
Let’s talk about some of the red flags that people can look out for when they’re shopping for a financial advisor. Have you ever met with one of these types?
Read more and get additional financial information: https://silverman-associates.com/saving-with-silverman-podcast/ep-43-manufactured-anxiety-or-worth-the-worry
What we discuss:
1:00 – Social Security going broke?
2:47 – National debt out of control?
3:34 – Climate change...
Let’s talk about some of the red flags that people can look out for when they’re shopping for a financial advisor. Have you ever met with one of these types?
Read more and get additional financial information: https://silverman-associates.com/saving-with-silverman-podcast/ep-42-red-flags-with-questionable-advisors
What we discuss:
0:51 – Hammer
2:51 – Oxygen hog
3:55 – Car trunk
5:39 – Empty suit
6:41 – Non-answerer
8:48 – Jus...
Almost everyone has made investment mistakes at some point. We’ll share how to bounce back from mistakes and avoid making them again in the future.
Read more and get additional financial information:
What we discuss:
0:58 – What caused it?
2:07 – Increase savings
3:09 – Recalibrate your goals
4:42 – Get a real plan in place
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