Saving With Silverman

Saving With Silverman

Investing and financial planning guidance with Certified Financial Planner Professional Mark Silverman in Tucson, AZ.

Episodes

July 15, 2021 11 min

On today’s Saving With Silverman podcast, Mark Silverman CFP? explains why you never want to make emotional decisions about your money.

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Read more and get additional financial resources here: https://silverman-associates.com/saving-with-silverman-podcast/ep-35-how-to-avoid-emotional-decision-making-with-your-finances?

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What we discuss on this episode:?

1:28 – Types of emotion

3:18 – Mistakes

4:21 – Taking emotions into acc...

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Today we’re talking about famous last words. In the financial world, there are several famous last words that you don’t want to be your last.

 

Read more and get additional financial resources here: https://silverman-associates.com/saving-with-silverman-podcast/ep-34-famous-last-words-in-the-financial-world 

 

What we discuss on this episode: 

0:47 – Keep doing what I’m doing

2:57 – Cash

4:20 – Living past 75

5:34 – Don’t w...

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June 17, 2021 8 min

Today we’re talking about Social Security misunderstandings. People are often confused about how it works and how it will work for them.

 

Read more and get additional financial resources here: https://silverman-associates.com/saving-with-silverman-podcast/ep-33-social-security-misunderstandings 

 

What we discuss on this episode: 

0:47 – Going broke

2:12 – Starting Social Security early

2:59 – Delaying Social Security

4:16...

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On today’s Saving With Silverman podcast, Mark Silverman CFP® explains diversification. Most people we talk with don’t even understand what it is or why it’s important. Some people think it’s just a mutual fund or a ton of different mutual funds.

 

Read more and get additional financial resources here: https://silverman-associates.com/saving-with-silverman-podcast/ep-32-diversification-what-is-it-and-why-do-you-need-it  

 

What...

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May 20, 2021 9 min

On today’s Saving With Silverman podcast, Mark Silverman CFP® explains some of the different types of financial risks that people have in their portfolios and how to be on the lookout for it.

 

Read more and get additional financial resources here: 

 

What we discuss on this episode: 

0:52 – Market risk

2:05 – Interest rate risk

2:58 – Inflation risk

3:57 – Health care risk

5:26 – Longevity risk

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Some people don’t care about leaving a financial legacy to their family, but for those who do, it’s important to eliminate some of the common estate planning mistakes. We’ll explain what they are.

 

Read more and get additional financial resources here: https://silverman-associates.com/saving-with-silverman-podcast/ep-30-dont-make-these-estate-planning-mistakes 

 

What we discuss on this episode: 

2:35 – Failing to plan for ex...

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On today’s Saving With Silverman podcast, Mark Silverman CFP® explains why your 401k is far from perfect as a retirement savings tool. This also applies to your 403b, TSP or 457 plans.

 

Read more and get additional financial resources here: https://silverman-associates.com/saving-with-silverman-podcast/ep-29-watch-out-for-these-weaknesses-in-your-401k-plan 

 

What we discuss on this episode: 

1:00 – Administrative costs

2:10...

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The final decade of your working life is crucial to your success in retirement. We’ll explain why you need to know your numbers and how flexibility is key to winning with money.

 

Read more and get additional financial resources: https://silverman-associates.com/saving-with-silverman-podcast/ep-28-5-financial-tips-for-your-final-decade-of-work 

 

What we discuss on this episode: 

1:19 – What’s important?

2:44 – Knowing your ...

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Fewer and fewer companies are providing pensions these days. Unless you work for the government or a university, most people don’t have pensions. We’ll explain why they’re no longer very popular.

 

Read more and get additional financial resources here: https://silverman-associates.com/saving-with-silverman-podcast/ep-27-what-are-pensions-and-why-are-they-not-as-popular 

 

What we discuss on this episode:

0:31 – Fewer companies...

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Mutual funds have long been the most popular way for people to invest, but that landscape is changing. We’ll explain what mutual funds are and the different types. 

 

Read more and get additional financial resources here: https://silverman-associates.com/saving-with-silverman-podcast/ep-26-mutual-funds-what-are-they-and-how-do-they-work 

 

What we discuss on this episode: 

1:22 – Clients with mutual funds

2:06 – Expense ratio...

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February 18, 2021 12 min

There’s a lot of confusion out there about annuities, probably because there are different types that do different things. We’ll explain what they are and how they work.

 

Read more and get additional financial resources here: https://silverman-associates.com/saving-with-silverman-podcast/ep-25-what-are-annuities-and-how-do-they-work 

 

What we discuss on this episode: 

1:55 – Immediate annuity

3:25 – Fixed annuity

4:01 – Va...

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February 4, 2021 13 min

This show is all about planning for retirement and making sure you’re doing it the right way so you can have the kind of retirement lifestyle you always dreamed of. Today we’ll share what the stages are.

 

Read more and get additional financial resources here: https://silverman-associates.com/saving-with-silverman-podcast/ep-24-stages-of-retirement-planning 

 

What we discuss on this episode: 

1:30 – 15 years before retirement

...

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January 21, 2021 10 min

How much do you know about taxes in retirement? It’s an important topic that can make a major difference in your finances.

 

Read more and get additional financial resources here: https://silverman-associates.com/saving-with-silverman-podcast/ep-23-what-to-know-about-taxes-in-retirement 

 

What we discuss on this episode: 

1:39 – Assuming taxes will be lower

2:52 – Strategies to improve taxes down the road

4:51 – Bad tax mis...

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Does your financial advisor look at your tax returns? What about the fees in your investments? We’ll explain how your advisor should be helping you.

 

Read more and get additional financial resources here: https://silverman-associates.com/saving-with-silverman-podcast/ep-22-things-your-financial-advisor-should-be-doing-for-you 

 

What we discuss on this episode:

0:57 – Reviewing tax returns

2:49 – Evaluating fees and costs in...

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On today’s Saving With Silverman podcast, Mark shares some of his favorite and not-so-favorite financial stocking stuffers.

 

Read more and get additional financial resources here: https://silverman-associates.com/saving-with-silverman-podcast/ep-21-would-you-like-these-financial-stocking-stuffers 

 

What we discuss on this show: 

0:45 – Variable annuity

2:02 – Apple stock

2:43 – High yield bonds

3:30 – Whole life insurance...

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December 3, 2020 13 min

On today’s Saving With Silverman podcast, Mark explains how to pick the right financial advisor. Find out why you should invest time in this crucial process.

 

Read more and get additional financial resources here: https://silverman-associates.com/saving-with-silverman-podcast/ep-20-how-to-pick-the-right-financial-advisor 

 

What we discuss on this show:

1:52 – How to find the right advisor

4:37 - Warning signs

5:53 - When a...

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November 19, 2020 12 min

On average, women outlive men and often have more financial struggles later in life. On today’s show we’ll talk about what challenges women face and how to improve their finances.

 

Read more and get additional financial resources here: https://silverman-associates.com/saving-with-silverman-podcast/ep-19-financial-challenges-for-women 

 

What we discuss on this show: 

1:15 – How involved are women with retirement planning?

3:...

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November 5, 2020 9 min

Just like technology changes and becomes outdated, so does some retirement planning strategies. Let’s look at five financial strategies that have become obsolete.

 

Read more and get additional financial resources here: https://silverman-associates.com/saving-with-silverman-podcast/ep-18-five-outdated-financial-strategies 

 

What we discuss on this show:

1:21 - The 4% rule

2:04 - The 10/5/3 rule

2:49 - Move money from stocks...

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October 15, 2020 9 min

As life spans continue to increase, so does the need for more money later in life. Find out how to plan financially for a long life.

 

Read more and get additional financial resources here: https://silverman-associates.com/saving-with-silverman-podcast/ep-17-can-you-afford-to-live-a-long-life 

 

What we discuss on this show: 

1:48 – Our oldest client

2:50 – Why do we talk about longevity as a risk?

4:22 – Why most people hav...

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October 1, 2020 9 min

Are 401K loans a good idea? What about rollovers? How much should I contribute? Get answers to these and other common 401K questions.

 

Read more and get additional financial resources here: https://silverman-associates.com/saving-with-silverman-podcast/ep-16-answers-to-common-401k-questions 

 

What we discuss on the show: 

0:40 – 401K advice from company reps

1:47 – 401K loans

2:46 – 401K rollovers

3:49 – Target date funds

...

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