Tim Stearns Podcast

Tim Stearns Podcast

For over 20 years, TJ Stearns, Inc., has offered financial services for individuals, families and businesses. Founded by Tim Stearns in Arlington Heights, IL, the firm focuses on financial processes and customization for each and every person who walks through their door. Tim and his team guide clients in meeting their investment goals through discussion and understanding. They are dedicated to providing exceptional service, comprehensive financial planning, and an unbiased perspective in helping guide you to realizing your financial goals. All in an effort to help provide financial peace of mind.

Episodes

May 10, 2021 27 min
CARING FOR MOM & FAMILY – There was a rush to get life insurance in the midst of this pandemic… How do you calculate the amount of insurance you should have? What type? Why is this important? Listen as Tim Stearns discusses ways to protect yourself and loved ones on this week’s episode.
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ARE YOU PREPARED? – Do you know how long you would be able to generate the income you need if your paycheck stopped today? On this week’s episode Tim Stearns addresses different questions that you should ask yourself when planning for retirement.
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April 19, 2021 27 min
YOUR 401(K) & EMPLOYER PLAN – Getting a match on contributions is a fantastic opportunity, not to be missed. You CANNOT get that kind of guaranteed immediate return anywhere else. Tune in to learn more as Tim Stearns discusses what you need to know about participating in your 401(k) or the retirement plan offered through your employer.
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ROTH CONVERSION OPPORTUNITIES – We have a new president with new agendas. What does this mean for taxes? How do you protect yourself from the possibility of taxes going up? On this week’s episode Tim Stearns will be discussing tax-deferral & it’s consequences, tax-free income, & Roth IRA’s.
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LAST MINUTE TAX MOVES – The tax deadline is upon us. We all want to save as much as possible and pay as little as possible, but how do we control our tax bill? Listen as Tim Stearns discusses last minute tax moves on this week’s episode.
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DEBT, CREDIT, BUDGET & INCOME – Basically, there are two sides to debt. It can be working against you or, if you have capital and are willing to take measured risks, it can work in your favor. Some have even found ways to do both simultaneously. Listen as Tim Stearns discusses this topic and more on this week’s episode.
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TAXES (PLANNING VS FILING) – In retirement, tax-deferral changes to tax payments. Many retirees somehow find this a surprise. Taxes must be factored into your retirement income plan, and education about this should be starting much earlier. Listen as Tim Stearns discusses the importance of future tax planning on this week’s episode.
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LUCK VS PLANNING – We’d all love to find a great investment. We all can look back and say, “I wish I had bought some of that stock 10 years ago”. The truth is though, getting “lucky” with your investments is more often NOT the key to success. Listen as Tim STearns discusses luck VS planning on this week’s episode.
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THE COUNTDOWN ISSUES – Taxes don’t stop in retirement. The IRS does not forget about you. Taxes will still be due on any growth on your money and on all withdrawals taken from your tax-deferred accounts like IRA’s & 401(k)’s. This is just one topic that Tim Stearns covers that should be addressed when counting down to retirement.
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(NOT) GOING BROKE IN RETIREMENT – How much do you need to retire? How long will that amount last you? The top fear is running out of money in retirement. Listen as Tim Stearns discusses how we need to address this fear, and the risks that could cause it to happen.
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UNDERSTANDING YOUR INVESTMENT OPTIONS – On this week’s episode, Tim Stearns discusses the different investment options that you may hear about as you consider your retirement portfolio.
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PROTECTING YOUR SPOUSE – With Valentine’s Day around the corner, what better time to examine what we do for our loved ones. On this week’s episode, Tim Stearns discusses where we can improve (or perhaps jeopardize) our spouse and our family’s financial security.
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STEALTH TAXES - Taxes are top of mind for savers and investors as we look to the future. This week on the program, CFP® Tim Stearns discusses 6 stealth taxes that can cost you much more than you anticipated, and strategies on how to control your tax liability.
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February 1, 2021 27 min
YOUR PLAN – What are the top items on your “to-do” list? The answer may surprise you or it could be something that has lingered on your mind, but because you didn’t have a written plan of action, has still not been addressed. Listen as Tim Stearns discusses this topic and more on this week’s episode.
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January 25, 2021 27 min
PROS & CONS OF YOUR 401K – What percent to save, what funds to allocate to, can I do a Roth? These are just a few questions that Tim Stearns will cover on this week’s episode.
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GETTING SAVINGS BACK ON TRACK – Above the amount we earmark for our emergency account, it is important to get our money working for us. On this week’s episode Tim Stearns will be talking about making the most of your savings opportunities, including making your money work for you.
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January 11, 2021 54 min
WHAT PLANNING IS ABOUT – While you may not think of taxes as a risk factor, the fact that they can be raised makes them a risk. By taking advantage of current rates and working with a professional, you can create a long-term tax minimization strategy for retirement and adjust it as needed. Listen as Tim Stearns discusses this topic and more on this week’s episode.
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January 4, 2021 27 min
IT’S (FINALLY) 2021! – 2020 was an eye-opening year for estate planning. Listen as Tim Stearns discusses why it is important to make sure your estate plan is in order this year.
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December 21, 2020 53 min
FINANCIAL RESOLUTIONS – An admirable financial goal for the New Year is to boost your investments even further through taxable accounts or alternative investments. This is just one resolution that Tim Stearns discusses in this week’s episode.
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December 14, 2020 27 min
THE HOLIDAYS – There are many items that you should consider taking care of before the turn of the calendar year, which really means before the final holiday season. Listen as Tim Stearns discusses the importance of meeting with a financial professional this time of year.
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