The Retirement Trainer

The Retirement Trainer

The Retirement Trainer with Ed Siddell: A podcast about helping you find ways to become financially fit for your future, no matter what kind of shape you’re in now.

Episodes

May 27, 2022 31 min

In case you haven’t noticed, we’re all on a roller coaster ride this year. As investors, it’s virtually impossible to predict what’s going to happen when it comes to leverage, supply chains, and rampant inflation.

However, we can do our research, ask questions, and do our best to make sense of what’s going on so we can best expect the unexpected. 

In today’s episode, we explore the history of market volatility (and where it comes f...

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Rampant inflation seems like it’s here to stay for at least a while longer. Everyone’s feeling it at the grocery store, the gas pump, and seemingly everywhere else.

In part one of this two-part series, we’ll discuss why it’s happening and dive into how to make sure your retirement plan can sustain your lifestyle, even if costs continue to go up.

We’ll help you make sense of why the markets seem to be changing at the drop of a hat, ...

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Inflation’s constantly in the news, and it’s easy to see why. When everything we buy costs more, each dollar in our pocket is worth less. And while it’s easy to cut back on some unnecessary expenses, no one wants to make severe changes to their lifestyle to cover simple costs like gas and groceries.

That’s why it’s so important to factor inflation into your retirement plan. While you can hope for the best, it certainly doesn’t hurt...

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No one who was there remembers the lineups at the gas pumps in the 1970s with any fondness. And though we’re not seeing long gas lines yet, we are seeing extremely high gas prices, rampant inflation, and extremely volatile markets–what we not-so-fondly refer to as stagflation.

However, an energy or economic crisis doesn’t have to become a wealth crisis, and you can create a plan that helps you no matter where you are or what your f...

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Back in the 1970s, we experienced a combination of economic stagnation and inflation. Energy prices were high and the stock market went up and down like a roller coaster, very similarly to what we’re experiencing right now. Back then, it was called stagflation–and we’re hearing that word more and more in 2022. Unfortunately, stagflation can have real impacts on your finances, especially if you’re retired or about to retire, and we’...

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Tax season is about much more than just how much money you owe the IRS each year. It’s also a golden opportunity to review your investment strategy, your estate plan, and what your taxes will look like in the years to come. 

With the April 18th due date coming ever closer, the national debt ballooning, and inflation continuing to rise, today’s episode is all about how to take a holistic look at your tax and retirement plans togethe...

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If you’re watching the financial news every day, you’re probably feeling a little unsettled. We’re in the midst of 40-year high inflation over 7% year-over-year. The Fed has announced three rate hikes when major firms are saying we need at least five to seven.

Cryptocurrency has gone through a series of even more extreme ups and downs, with investors experiencing swings from anywhere between 500 and 1,000 points.

All of this can be...

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Cryptocurrency is in the news every day. We hear stories all the time of people making big money with crypto. Billionaires like Elon Musk can affect its value with a single tweet, and potential regulation could change the field very soon.

Having said that, the questions that we hear from our clients are still the same. “Should I invest in crypto? And what are the downsides?”

Today, we’re answering some of our most common client que...

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If there is one thing that is very obvious about the near future, it’s that we’re living in very unpredictable times. Who would’ve thought we would still be in the middle of a pandemic? And who could’ve imagined interest rates to still be as low as they are now?

Simply put, you can’t always know what’s going to happen–and you need to be able to be prepared, no matter what comes your way.

In today’s episode, we talk about what’s goi...

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If you think back to where you were a year ago, you were probably excited for life to get back to some kind of normal. As we have come to find out, this year proved to be full of surprises with ongoing labor shortages, disrupted supply chains, and high inflation.

With that in mind, we know we can’t predict the future–but we can help you create a plan to weather the coming storm and achieve your goals, no matter what happens in the ...

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We’re all busy this time of year–not just with holiday parties and shopping for gifts, but with a number of major financial deadlines. On top of that, it’s also time to look back at how you did financially in 2021 and create a plan to take you into 2022 and beyond.

Whether you’re giving to charity, making contributions to retirement accounts, or preparing for inflation to best protect your wealth, today’s episode is for you. We’re ...

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November 18, 2021 29 min

It’s the holidays–and that means we’re gearing up for Black Friday deals, Christmas gifts, and more.

Giving (and receiving) gifts can be a whole lot of fun–but it’s also one of the easiest times of the year to overspend, rack up credit card debt, and make financial decisions that feel better in the moment than they do in the long run.

With that in mind, today’s episode is all about how to set an effective budget. We’re talking abou...

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Nanette Pfister is the VP of Sales for Epcon Communities, a community planning company operating in 29 states across the country. They’re a hugely successful franchise business with over 150 corporate employees, and as a housing provider, they were an essential business over the course of the COVID-19 crisis.

Today, Nanette joins the podcast to talk about how they weathered the shutdowns, tips for how to sell homes virtually, and w...

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Today, we’re talking to Fred DeBiasi. He’s the CEO of Valley Central Bank, a community bank here in Ohio. Since the onset of the COVID-19 pandemic, he’s shifted his business model and worked to deliver a different kind of consumer experience in the face of a wide array of challenges. 

In his words, Valley Central experienced a triple whammy: an intense merger in August 2019, the COVID pandemic, and the PPP lending rush. Throughout ...

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October 21, 2021 18 min

We’re all living with inflation. We’re watching prices climb out of control, whether we’re at the grocery store or doing our holiday shopping. It’s everywhere. It’s hard not to notice that gas is up over $1.25 a gallon when you’re filling up the gas tank.

So, as you watch your costs balloon, what can you do to protect your finances and best take care of yourself and your family? Today, we’re talking about all the factors at play: w...

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In the last few years, we’ve all heard about preppers–people who have outfitted their basements with emergency supplies, like food and water. The fact that it’s suddenly become hard to find products like paper towels, toilet paper, and even bottled water has prompted this topic to rear its head all over again.

But what if we told you that financial prepping was also hugely important, especially as we enter into our next phase in li...

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Once again, the tax bill is coming–and the biggest asset for so many Americans, with the exception of their real estate, is a pre-tax retirement plan. This could be a 401(k), a 403(b), a thrift savings plan, an IRA, or something else. 

And no matter what people say, their biggest expense is not healthcare–it’s taxes. Taxes go up as retirees withdraw retirement income, they affect Medicare B, C, and D premiums, and they’re all but i...

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August 25, 2021 28 min

Here at The Retirement Trainer, we’ve spent the last few months focused on giving back to small businesses. Along the way, you’ve been asking us two questions more than any other: “What’s most important as a business owner,” and “how can I start a new business of my own?”

If you’re a small business owner (or want to launch one), today’s episode is especially for you. We start from the very beginning, walk you through a five-step pr...

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Scholl’s Landscaping and Design, located in Columbus, Ohio, was shut down for only a few weeks in March of 2020, but their journey back to any sort of “normal” has been a fascinating one. Despite significant success, they’re now facing issues including labor shortages, supply chain issues, and skyrocketing costs for materials.

In today’s episode, we ask business owner Jordan Scholl an important question: with every job taking a lit...

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Over the course of the last year, demand for veterinary care has exploded. No one in the industry can remember being this busy, and this growth has come with plenty of positives, but some very real challenges as well.

Knapp Veterinary Hospital, here in Columbus, Ohio, has faced massive demand, but also had to cancel and postpone lots of important visits and procedures. As the world reopens, they continue to handle that demand and t...

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