Your Wealth & Beyond: The Financial Planning Podcast

Your Wealth & Beyond: The Financial Planning Podcast

The Your Wealth and Beyond podcast was created to empower entrepreneurs and individuals with the insight and information they need to effectively manage and control their personal and professional finances. This is NOT just another podcast about money! We will focus on helping you grow your business, build your personal wealth and find purpose in what matters most. Join Andrew Rafal, the Founder of Bayntree Wealth Advisors, as he interviews leading industry experts and entrepreneurs who not only share their stories of success and failure, but provide actionable financial advice that can be used to get your ‘fiscal house’ in order, so you can take your business and finances to the next level. You Dream. We Plan®

Episodes

June 11, 2021 25 min

If you’re getting close to 50, you’re well on your way to retirement. You’ve got situations to look at, several possible mistakes you’ve already made, and some time to solve them–but the longer you wait, the worse the damage might be. 

Though today’s episode was made with the Gen Xers in mind, there is plenty of advice that will work for those of you who are 45, 40, or even 35. It’s all about formulating a plan based on where you a...

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A lot of people mistake “tax-deferred” for “tax-free.” This can be beneficial in the short term, but can ultimately leave you owing more on higher balances at higher rates. But what if, in some cases, the best course of action is to take advantage of the low tax rates available right now, so you can grow your money 100% for you - and not Uncle Sam - for the rest of your life?

My guest, Ed Slott, makes the case for this in his new b...

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We all talk about estate planning, and most of us think of it as something we’ll get to next year. 

Why? It’s simple: estate planning forces us to admit we’re not invincible. For so many of us, it takes a major milestone or a tragic event to get our ducks in a row, and that’s not a good way to plan, no matter how old you are or what stage of life you’re in.

This is why I’m excited to introduce you to Kirsten Howe. Kirsten has spent...

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Whether you’re a startup, a mature company, or a mom-and-pop, without the right marketing and messaging, you are destined to fail. 

Amanda Rabideau has spent her entire career helping businesses of all sizes avoid this fate. She’s the founder of Arch Collective, where she helps companies create marketing plans and strategies to reach their ideal clients.

 

Today, Amanda joins the podcast to talk about the benefits of hiring a fract...

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For so many people, just hearing the word “timeshare” brings chills, angst, and anger to the surface. There are 10 million timeshare owners out there, and as many as 80 percent of them aren’t just unhappy with what they purchased - they don’t know how to get out of it. 

If you’re one of the many unsatisfied timeshare owners looking for an exit (or know someone with a timeshare horror story), today’s episode is for you. I’m talking ...

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Whether you’re an individual working for a company or a business owner, you need to understand your 401(k). Along with Social Security, your savings, and a few other key assets, your 401(k) is probably going to be the single most important account you have. 

Today’s guest, Brian Hartstein, is the Director of Corporate Development here at Bayntree. For nearly 30 years, his passion has been retirement planning, and he has extensive e...

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Whether you’re an executive speaking in front of your colleagues, an entrepreneur leading a sales presentation, or even just talking with your friends, at some point or another, you’re going to have to speak in public. If you’re like a lot of people, it might terrify you – and the COVID-19 pandemic requiring almost all of our meetings to be virtual probably hasn’t helped.

Fortunately, there are self-proclaimed speech geeks like Ter...

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Do you want to give more, but feel like you need hundreds of millions of dollars to be a great philanthropist? Are you wondering how to be a more effective giver in your community and the world at large? Are you wondering how to teach the younger generation the value of giving? 

 

If so, today’s episode of the podcast is for you. On this Giving Tuesday, we’re doing a show all about philanthropy. Our guest, Kris Putnam-Walkerly, has...

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No matter who you are or where you grew up, there’s a pretty good chance that you didn’t learn enough about financial literacy in schools. Whether you own a business or you’re a young professional considering starting one, knowing how to avoid the mistakes that will haunt you for years to come is incredibly important in the early stages of running a successful business.

My guest, Tracey Bissett, has spent much of her career helping...

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More than ever before, local businesses and small business owners need your support. If you’re a business owner, I’m sure you know this by now; if you’re a consumer, you’re probably wondering what you can do to help your community and stop big chains from taking over even more of the landscape.

For the last 15 years, Thomas Barr has been helping communities answer these questions. Thomas is the executive director of Local First Ari...

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Most people are better at planning a vacation than they are planning for retirement. People think of it as something far off that they ignore for years or decades. They make major mistakes, choose products that don’t suit their needs or meet their goals, or fail to take advantage of the opportunities provided to them. 

Sarah Holden understands well why this happens. She worked at the Federal Reserve Board, where she analyzed the US...

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October 21, 2020 16 min

The Retirement Red Zone is a critical point for those getting closer to retirement. Similar to the distance from the 20-yard line to the end zone in football, this is a place where it’s so important not to make mistakes. 

This phase is crucial to ensure that your retirement will be stable and you’ll have a chance to truly enjoy your “golden years,” no matter how much you’ve saved, accumulated, or stored. Without a game plan, it may...

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We’ve all been there: you’re at a business conference or a dinner. You get introduced to a handful of people, you introduce yourself, you hear their names, and within two minutes, you completely forget all of them. 

One person who hasn’t had this problem for years is Chester Santos. Chester won the US Memory Championship over a decade ago and has spent the last 15 years training individuals, business owners, and executives how to u...

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To say that we’re living in interesting and unpredictable times is an understatement. For business owners and leaders, this is especially true.

However, no matter what industry you’re in, or what you do, there’s still no tool more powerful than a team that’s ahead of you and allows you to focus on your unique ability. They give us the power to grow our businesses without giving up even more of our time and to see our visions throug...

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August 17, 2020 28 min

With schools, camps, and colleges either closed or reassessing the safety of operating as we navigate the COVID-19 pandemic, many of us have been spending more time with our kids than ever before. My 14-year-old daughter, Winter, has been helping me out at Bayntree, and has taught me a lot about TikTok, YouTube and how Gen Zers think about money along the way. 

Today, Winter joins the podcast to share what Gen Zers think about reti...

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Like never before in our lives, the COVID-19 pandemic has us facing the same challenges, no matter who we are or where we live. Virtually everything about how we live and work has been changed by the pandemic, and it can be harder than ever to feel like you have control over your life. 

For years, Dr. Jen Hartstein has been helping people get and stay on track. She’s a New York City based mental health specialist, a contributor to ...

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Social Security is a massively important asset to build a comfortable retirement. You don’t want to outlive your money or your lifestyle, and it’s very possible to do both. The Social Security code is even longer than the tax code, there’s so much misinformation out there, and there are countless tricky situations you can end up in if you don’t position yourself correctly.

This is why I’m thrilled to be speaking to Larry Kotlikoff....

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The CARES Act has made massive, sweeping changes to our tax system and our business landscape. Whether you’re an entrepreneur, an employee, someone who was recently laid off, or a retiree, you probably have big questions about the programs available to you. How can you best use your money to get through this trying time, and how will you keep up with the constant influx of new information?

To help you make sense of it all, I’m thri...

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Congress just passed the biggest stimulus bill of our lifetime. The CARES ["Coronavirus Aid, Relief and Economic Security] Act is a massive bill of all bills, totaling in the trillions of dollars, and it’s going to have significant impacts on us as business owners and individuals as we work together to get through this tough time. 

Today, I want to address the big questions you may have about the bill: how will it affect your r...

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The SECURE Act of 2020 made some of the biggest changes to retirement planning in the last decade. Business owners and employees alike have a number of options, opportunities, and potential issues to consider in the wake of these new rules and regulations, and great advice can be the difference between saving big and missing out. 

Joining me today to talk about these developments is Brian Hartstein. Brian is Bayntree Wealth Advisor...

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