Cut The Crap Retirement Show

Cut The Crap Retirement Show

Financial and retirement planning guidance from Chris Patterson of Patterson Financial. Serving Florida's First Coast.

Episodes

August 19, 2021 17 min

Think about the things in your life that you don’t think about that often. The smoke alarm, airbags in your car, fire extinguishers. Each of these things don’t really matter day-to-day until you need them and you’re glad they’re available and working.

 

Read more and get additional financial resources here: https://pffirm.com/2021/08/things-that-dont-matteruntil-they-do/ 

 

What we discuss on this episode: 

2:56 – Legal Documents

5...

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The world is a serious enough place as it is so let’s take a deep breath and have a little fun on this episode. We found a handful of financial jokes that we thought were pretty funny so we’re sharing them with you on this episode. Let’s also explore the financial lessons we can gain from the punchline.

 

Read more and get additional financial resources here: https://pffirm.com/2021/08/its-just-a-joke/ 

 

What we discuss on this ep...

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July 15, 2021 19 min

The planning methods and your parents used likely won’t get you to where you want to be in retirement today. So much has changed over the past 20-30 years that make it harder on pre-retirees today. Let’s look at how planning has shifted and what you need to be aware of with your finances.

 

Read more and get additional financial resources here: https://pffirm.com/2021/07/not-your-fathers-retirement/ 

 

What we discuss on this episo...

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July 1, 2021 21 min

At first glance, each of these statements seem like basic common sense that everyone agrees with. But when we look at the way people actually behave with their money, it seems that common sense is actually a bit uncommon. 

 

Read more and get additional financial resources here: https://pffirm.com/2021/07/learning-through-uncommon-sense/ 

 

What we discuss on this episode here:

2:39 – Buy Low and Sell High

5:03 – Don’t pay more in ...

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Now that the first 100 days of President Biden is in the books, what needs to be on your radar in terms of financial planning? Chris shares his thoughts on some key policy proposals and what it could mean to clients. 

 

Read more and get additional financial resources here: https://pffirm.com/2021/06/financial-planning-under-president-biden/ 

 

What we discuss on this episode: 

1:11 – What we’re hearing from clients

3:03 – Stimulus...

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Have you ever been speaking with a financial professional and felt like they were speaking in code? Today we’ll look at a few examples of what you might hear someone say and break the code by telling you what they really meant.

 

Read more and get additional financial resources here: https://pffirm.com/2021/06/what-you-really-meant-to-say-was/ 

 

What we discuss on this episode: 

2:49 – Market Corrections

4:26 – Stocks  

8:03 – Set...

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The question everyone has about retirement is how much am I going to need? A million dollars seems like a magic number, but how long will it actually last you? We’ll go through a recent Yahoo! Finance survey and discuss how we help clients determine that number for their retirement.

 

Read more and get additional financial resources here: https://pffirm.com/2021/05/how-long-will-a-million-dollars-last-you/ 

 

What we discuss on thi...

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There are areas of your financial life that might be in bad shape and you don’t even realize it. On this episode, we’ll identify five areas of planning that could result in disaster if you haven’t paid them any attention.

 

Read more and get additional financial resources here: https://pffirm.com/2021/05/are-you-flirting-with-financial-disaster/ 

 

What we discuss on this episode: 

2:12 – Out of date legal documents  

6:01 – Benefi...

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Have you ever wondered how much your advisor thinks about your portfolio and how invested they get in your performance? We want to pull back the curtain a bit and give you the perspective from the other side of the table.

 

Read more and get additional financial resources here: https://pffirm.com/2021/04/are-advisors-invested-in-your-results/ 

 

What we discuss on this episode: 

1:37 – What does Chris do after tax day?

4:36 – All a...

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April 22, 2021 28 min

Many of our clients ask about annuities and whether they’re a good option to create income in retirement. If you’re in that same position, you’ll want to hear our detailed breakdown of this product, the pros and cons, and who would be a good fit for an annuity.

 

Read more and get additional financial resources here: https://pffirm.com/2021/04/what-you-need-to-know-about-annuities/ 

 

What we discuss on this episode: 

3:42 – The di...

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A question that all parents have to weigh is how much should they involve their children in family finances. Every child is different and there are pros and cons to both sides of the argument. Today we’ll find out where Chris stands on this topic and how he talks to his children about money.

 

Read more and get additional financial resources here: https://pffirm.com/2021/03/should-kids-be-involved-in-financial-decisions/ 

 

What w...

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March 4, 2021 20 min

After the year we had in 2020, a lot of people want to know which direction we’re headed this year. While we don’t have a crystal ball, we do have some opinions on the strength of the economy and the sectors that enjoy a return to normal in 2021. Join us for this episode and get Chris’ financial outlook.

 

Read more and get additional financial resources here: https://pffirm.com/2021/03/our-financial-outlook-for-2021/ 

 

What we di...

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Have you ever stopped to think about your journey of learning all that you have about money and finances? Did you parents shape your financial views most heavily? Is there a TV or radio expert that has influenced you most? Or have you learned everything from a book or Google?

 

Read more and get additional financial resources here: https://pffirm.com/2021/02/where-does-my-financial-knowledge-come-from/ 

 

What we discuss on this ep...

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Everyone wants to know when the next market crash is going to happen, but there’s no one with that answer. The better question is what can you do to be prepared for that next crash? Let’s take a look back at the worst crashes in market history and what lessons they taught us about planning.

 

Read more and get additional financial resources here: https://pffirm.com/2021/02/lessons-from-the-market-crash-hall-of-fame/ 

 

What we disc...

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January 21, 2021 18 min

No industry is without its flaws, and the financial industry is no exception. Let’s explore some times where we’ve encountered annoying or frustrating elements of the financial world. As you would expect, Chris will give it to you straight.

 

Read more and get additional financial resources here: https://pffirm.com/2021/01/what-drives-your-financial-advisor-crazy/ 

 

What we discuss on this episode: 

2:49 – Hidden Fees

4:14 – Clien...

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The new year means it’s time to start laying out plans and goals for 2021. Let us help you with the financial side of those resolutions by highlighting six planning items to review over the next 12 months.

 

Read more and get additional financial resources here: https://pffirm.com/2021/01/beginning-of-the-year-planning-items-for-2021/ 

 

What we discuss on this show: 

3:15 – Expecting another unpredictable year in 2021

4:40  – Maxi...

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December 17, 2020 19 min

You’ll probably find that advisors have varying opinions when it comes to annuities, but variable annuities might have the worst reputation of them all. Today we’ll tell you why variable annuities aren’t usually a good investment and why Chris rarely uses them in portfolios he builds.

 

Read more and get additional financial resources here: https://pffirm.com/2020/12/are-variable-annuities-a-bad-investment/ 

 

What we discuss on th...

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December 3, 2020 28 min

Picking a financial advisor is one of the most important things you’ll do for your retirement, but how do you know if you’re making the right choice? Today we’ll lay out the expectations you should have for this relationship, what to look for when interviewing people, and why it can have a big impact on your financial future. Plus, we’ll tell you about the top 15 cities for retirement.

 

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November 19, 2020 19 min

What does it take to build a portfolio for a client? Today we’ll take you through the process of how we create model portfolios and what goes into determining what portfolio will work for each individual.

 

Read more and get additional financial resources here: https://pffirm.com/2020/11/creating-model-portfolios-for-clients/ 

 

What we discuss on this show: 

4:46 - How does the final month of the year look for Chris? 

7:21 - What ...

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November 5, 2020 24 min

On this episode, we present you with five commandments that are worth of being written on stone tablets in your retirement plan.

 

Read more and get additional financial resources here: https://pffirm.com/2020/11/following-the-financial-commandments/ 

 

What we discuss on this show:

2:21 - Is a second stimulus necessary?

5:19 - Financial Commandment 1

8:42 - Financial Commandment 2

12:28 - Financial Commandment 3

15:35 - Financial ...

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