Retire Your Way Radio

Retire Your Way Radio

Your host, Tim Doehrmann, CFP®, wants to make sure you don’t run out of money in retirement. We spend our entire lives building and saving for retirement and Tim's goal is to help you turn those savings into income without getting killed in taxes! This show covers financial topics in the news, basic planning topics, case study examples and answers any questions you may have. Topics include taxes, insurance, social security, healthcare, withdrawal rates and more. If you ever have a question or would like me to cover a topic, send us an email and let us know: support@erwealth.com.... Show More

Episodes

May 19, 2020 12 min

Tim goes more in depth to explain the“Don’t fight the Fed” line you’ve been hearing in some of our weekly emails. Then he wraps up with a Twitter thread from Peter Mallouk for more clarification on why the markets are bouncing back so well.

For more information, visit the show notes at https://erwealth.com/podcastblog/this-market-believe-it-or-not

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April 21, 2020 15 min

Today, Tim covers the main types of insurance coverage and how to determine what coverage you need. The types of insurance covered are life, disability, umbrella liability, property and casualty, and long-term care insurance.

For more information, visit the show notes at https://erwealth.com/podcastblog/what-insurance-do-you-really-need

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In this episode, Tim talks about the difference between a retirement rehearsal and a practice retirement and how either one can be used to help you determine if you are ready for the intangibles that go into retirement. Afterall, it's not just the dollars you need to think about when it comes to retirement. 

For more information, visit the show notes at  https://erwealth.com/podcastblog/how-to-rehearse-or-practice-for-retiremen...

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This week Tim provides an update on the current market volatility, discusses important things to keep in mind during this uncertainty, and shares 3 action items he is recommending to his clients.

For more information, visit the show notes at: https://erwealth.com/podcastblog/update-on-current-market-volatility-with-3-action-items

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In this week's episode of Retire Your Way Radio, Tim talks about how to assess the possible impact of the coronavirus (or any future pandemic) on your investment portfolio. He also uses the story of Andy Dufresne from Shawshank Redemption as a great example of playing the long game.

For more information, visit the show notes at: https://erwealth.com/podcastblog/coronavirus-the-long-game-and-andy-dufresne

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Understanding investment fees is challenging! In this article, Tim discusses why investment fees are traditionally so high, how to think about value in relation to an advisor's fees, and why Eagle Ridge Wealth Advisors is different when it comes to value and transparency.

For more information, visit the show notes at https://erwealth.com/podcastblog/investment-returns-receiving-value-from-your-advisor

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January 15, 2020 9 min

The SECURE Act has been called the most comprehensive, sweeping retirement security legislation in recent history, and is now the law. But does this act address the massive scale of millions of Americans that are unprepared for their retirement? Let's review seven provisions of The SECURE Act to determine how this act might affect you.

For more information, visit the show notes at https://erwealth.com/podcastblog/the-secure-act...

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December 18, 2019 5 min

The Story of the Mexican Fisherman has been bouncing around the internet for years in one form or another. It’s been an inspiration to many, that live in the rat race or try to keep up with the Joneses, to slow down, reassess their situations, and really think about the lives they want to live.

For more information, visit the show notes at https://erwealth.com/podcastblog/the-story-of-the-mexican-fisherman

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There can be quite a bit of confusion over how and where your assets are actually held when you have an investment account in general or when you have an account with a registered investment advisor (RIA) firm like Eagle Ridge Wealth Advisors. This week, Tim covers what a custodian is and does and how to avoid getting Bernie Madoffed!

For more information, visit the show notes at: https://erwealth.com/podcastblog/custody-of-assets...

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This week we dig into Social Security. Optimizing Social Security is one of the biggest value-adds a good advisor can provide to the retirement planning process. Tim talks about why you shouldn't claim Social Security benefits just because you can, how important Social Security is for so many Americans and why the Social Security program isn't going anywhere anytime soon.

For more information, visit the show notes at https:...

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The investment landscape has greatly changed since the 1980s. Economic and societal change along with longer life expectancies are leading to recommendations of a greater allocation to equities if the client's risk tolerance will allow for it.

This week Tim summarizes a recent MarketWatch.com article about Bank of America's announcement regarding the end of the 60/40 portfolio.

For more information, visit the show notes at ...

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This week we will continue with the theme of tax planning. Tim covers a listener question: Will capital gains push me into a higher tax bracket? Then he gives some thoughts on the financial advice industry as a whole.

For more information, visit the show notes at https://erwealth.com/podcastblog/will-capital-gains-push-me-into-a-higher-tax-bracket

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How to use Roth IRAs for tax planning to reduce lifetime tax liabilities, how to get more money into a Roth IRA using the “backdoor Roth” method and, finally, and how you can use a Roth for college savings.

Tim also reminds you about an upcoming in-person retirement workshop in Morton, IL on Nov. 14 & 16, 2019.

Blog post URL: https://erwealth.com/podcastblog/reducing-taxes-using-roth-ira-conversions

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Tim talks about the reality of how impeachment proceedings affect the stock market by looking at prior impeachments and the economic forces going on at the time.

He also invites you to attend an in-person retirement workshop in Morton, IL in November 2019.

Blog post: https://erwealth.com/podcastblog/how-will-impeachment-affect-the-stock-market

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October 15, 2019 10 min

Tim covers a listener question about dividend investing. He talks about five problems with dividend investing and also a better investment strategy.

Check this out before deciding to add more companies to your portfolio that make regular cash payments to their investors.

For more information, visit the show notes: https://erwealth.com/podcastblog/problems-with-dividend-investing

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In an update to a recent episode about initial public offerings, Tim talks about why his opinion about IPOs hasn’t changed by discussing two recent IPO examples.

Then, Tim describes why it's important for his firm to be the high value option for financial planning by telling a story about a recent conversation with a prospective client.

For more information, visit the show notes at https://erwealth.com/podcastblog/ipo-update-hi...

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A discussion on risk management, and particularly whether or not you should buy long-term care insurance to supplement your retirement plan.

Tim also discusses the unbelievable story of skydiver Luke Aikins and how he jumped out of a plane at 25,000 feet without a parachute!

For more information, visit the show notes at https://erwealth.com/podcastblog/risk-management-long-term-care-insurance-episode-4

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Tim talks about the appeal of investing in Initial Public Offerings (IPOs), the problems with IPOs and why companies do IPOs.

Plus, he covers whether or not IPOs should be a part of your investment portfolio and his personal choice of whether or not to invest in IPOs.

For more information, visit the show notes at https://erwealth.com/podcastblog/ipos-shiny-new-toys-of-wall-street

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The New Paradigm, A Slow Growth World. This episode is inspired by recent conversations Tim had concerning interest rates, inflation, economic growth and why they are all relatively low in historical terms.

Tim digs into how the global financial paradigm has changed and why the basic principles of investing can no longer be taken for granted in today’s world.

For more information, visit the show notes at https://erwealth.com/podcas...

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September 18, 2019 7 min

Retire Your Way Radio is a podcast hosted by Tim Doehrmann, CFP.

In this first episode, Tim talks about how he chose the podcast name, what you can expect in future episodes and why someone would want to work with a fiduciary.

He also describes his backstory including how he went from running a hardware store to running his own fiduciary, fee-only, registered investment advisor firm.

For more information, visit the show notes at ht...

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