Saving With Silverman

Saving With Silverman

Welcome to ’Saving With Silverman,’ the ultimate guide to building your wealth and securing your financial future. Hosted by Mark Silverman, a Certified Financial Planner™ in Tucson, AZ, this podcast demystifies the complex world of investing and financial planning. Whether you’re an investing novice or looking to refine your financial strategy, join us for insightful discussions, advice, and actionable tips to navigate the financial landscape with confidence. Tune in to ’Saving With Silverman’ to empower your financial journey and make smarter, more informed decisions with your money.

Episodes

July 2, 2024 11 mins

While you’ve probably heard of bonds before, do you really have a full understanding of how they work, especially when compared to stocks? Today we’ll dive deep into the world of bonds, breaking down their complexities and offering valuable insights.

 

Here’s what we discuss in today’s show:

  • What are bonds, and how are they different from stocks?
  • Bond funds v. individual bonds.
  • What causes bond prices to change?

 

Want t...

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Have you ever glanced at your financial statements and felt overwhelmed by the numbers and jargon? You're not alone. Many people receive statements from their investment accounts every month or quarter but don't fully understand what they're looking at.

 

Here’s what we discuss in today’s show:

  • Some of the challenges when it comes to fees.
  • What is cost basis and why is it important?
  • What’s in the fine print that you should be p...
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June 6, 2024 11 mins

It’s been said that “the sales brochure giveth and the fine print taketh away.” In the financial world, glossy brochures and enticing sales pitches often conceal ugly hidden truths.  Let’s talk about some of the things we hear from people when they don’t pay enough attention to the fine print...

 

Here’s what we discuss in today’s show:

  • “I just got a big rate increase on my long-term care insurance!”
  • “The fees in this annuity a...
Mark as Played
May 16, 2024 12 mins

In the realm of personal finance, there's no shortage of advice- some of it good, some of it not so much. Being a good advisor isn’t about winning a popularity contest or just saying the same things that everyone else in the industry says. It’s about giving the best advice that you can for each individual situation.

Let’s discuss some areas where Mark’s opinions might not be popular with other people in the financial industry...

 

...

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May 2, 2024 12 mins

A recent study revealed that 19% of Americans over the age of 65 are still working, which is twice as high as it was 30 years ago. Today, we’ll explore some of the reasons behind this statistic.

 

Here’s what we discuss in today’s show: 

  • Some people truly love their job
  • A divorce can force someone into working longer than they originally planned
  • Waiting for Social Security full retirement age
  • Some people simply haven’t saved en...
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In this episode of Saving With Silverman, we delve into the nuanced world of financial risk. Join Mark Silverman, CFP® and founder of Silverman & Associates, as he unpacks the complexities of risk tolerance in investing. Whether you're a thrill-seeker in the market or prefer a more cautious approach, understanding the risk you're comfortable with is crucial to achieving your financial goals.

Mark emphasizes the importance of un...

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We like to approach financial conversations from a creative angle here on the show. So, in today’s episode, we’re exploring the timeless wisdom of past presidents. Join Mark as he takes five famous quotes from influential figures such as George Washington and Ronald Reagan and shares how their wisdom applies to financial planning.

 

Here are the quotes we discuss in today’s show:

  • “When only one side of a story is heard and ofte...
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March 21, 2024 11 mins

In today's uncertain financial landscape, it's easy to feel like you're rolling the dice when it comes to retirement planning. With rising costs and unexpected expenses to account for, leaving your financial future to chance isn't a risk worth taking. Join us on this episode as we dive into the importance of strategic retirement planning.

 

Here’s what we discuss in today’s show:

  • Understanding and planning for how much income y...
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March 7, 2024 10 mins

Does retirement planning sometimes sound like Greek to you? Turns out, that's not always a bad thing. Join us as we take a step back in time and explore the timeless wisdom of Aristotle in today’s episode.

 

Here are the quotes we discuss in today’s show:

  • “It is the mark of an educated mind to be able to entertain a thought without accepting it.”
  • “Quality is not an act. It is a habit.”
  • "The aim of the wise is not to secure plea...
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Welcome back to the Saving with Silverman podcast! In today’s episode, Mark is going to answer some mailbag questions sent in by listeners like you. These episodes are a great way for you to learn from real-life financial scenarios while gaining valuable insights into managing your finances effectively.

 

Here are the questions we cover in today’s show:

  • “Is financial expense insurance worth buying?”
  • “I have to start taking RMDs...
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Welcome back to the Saving with Silverman podcast! This week, we’re going to see what home renovation projects can teach us about the world of retirement planning.  We’ll explore insightful lessons derived from the renovation process, such as understanding the “contractor's discount” and the importance of passing financial "inspections."

 

Here’s what we discuss in today’s show:

  • The financial advantages of working with an RIA f...
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January 18, 2024 11 mins

In today’s episode, we’re going to cover some signs of good financial health. Listen in as Mark covers four essential areas that lay the foundation for a secure retirement. We’ll chat about the importance of spending less than you make, understanding the future tax implications of your savings, crafting a comprehensive retirement income plan, and more.

 

Here are the signs of good financial health that we’ll chat about:

  • You spe...
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Ever wondered when the next market crash will hit? Or what healthcare costs will look like 20 years from now? Unfortunately, these are questions that none of us have a crystal ball for. So, when it comes to financial planning, how can we be best prepared for the unexpected?

 

Here are the questions that we chat about in today’s episode:

  • “When is the next market crash going to happen?”
  • “What will healthcare costs look like 20 ye...
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December 21, 2023 9 mins

When you break it down to the most basic level, there are really three worlds of money that we utilize for financial planning: banking, insurance, and Wall Street. Each of these worlds has a distinct purpose and role in helping you prepare for retirement. Let’s talk about the pros and cons of each and how we use them to design a portfolio.

 

Here’s some of what we’ll discuss in this episode:

  • The banking world is great for savi...
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Nearly everyone we know has seen the movie Forrest Gump, which hit movie theaters nearly 30 years ago. That’s really hard to believe, but it’s a film that still holds up today. Forrest might have been slow-witted, but it’s hard to find a more inspirational character. Believe it or not, there are even financial lessons we can glean from the movie and we’ll share those today. 

 

Here’s some of what we’ll discuss in this episode:

Mark as Played
November 16, 2023 10 mins

There are lots of financial decisions that people tend to push off to a later date. Usually, procrastination is not your friend, but in today’s episode, we’re going explore whether putting off certain financial matters is a good or bad strategy. Stay tuned as we chat about deferring taxes, eliminating debt, setting up legal and estate documents, and more!

 

Here’s what we discuss in today’s show:

  • Deferring taxes can be benefici...
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November 2, 2023 11 mins

In this week’s episode, we’re diving into the journey that brought Mark to where he is today. Stay tuned as he reflects on the journey that led him to this point in his career and the influential figures who shaped his personal views on money and finance along the way. We’ll also discuss the importance of planning for retirement and the common frustrations people face when they haven't adequately prepared for this significant life ...

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October 19, 2023 14 mins

Social Security is a complex system that impacts nearly everyone’s financial future. Despite its importance, there’s a lot that the average person doesn’t know or understand about it. Today we’re going to explore some of these lesser-known facts so that you can make the most informed decisions for your financial future.

 

Here’s some of what we discuss in today’s show:

  • What are work credits, and how do they impact Social Securi...
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We’re back with another mailbag episode this week! We have an exciting lineup of topics to discuss today. Colleen asks how much money she should have in her emergency fund. Bonnie asks Mark to explain the basics of estate planning to ensure that her assets are passed on with minimal tax implications. Listen in as we tackle these questions more in today’s episode!

 

Here’s are the questions Mark answers in today’s show:

  • How much...
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A recent study analyzed Google Trends to find out what keywords are being searched the most and it revealed six financial topics that get queried the most. From income taxes to insurance, there’s a pretty good chance that you’ve searched some of these as well.

 

On today’s show, we’ll talk about:

  • What problems could you run into if you’re relying on Google to do your planning?
  • Insurance has so many types of policies so you have...
Mark as Played

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