Financial Choices Matter

Financial Choices Matter

Weekly financial and retirement planning guidance from Scottsdale's Charles Scott of Pelleton Capital Management.

Episodes

April 15, 2021 21 min

Sometimes the easiest way to learn about something is make it really simple. Like some of the first true/false tests you might have taken in school, let’s play a round of fact or fiction to test your financial planning acuity.

Contact:

Phone Number: 480-513-1830

Website: https://pelletoncapital.com/

Show Notes: 

1:21 - How Would Charles Would Advise Warren Buffett

4:53 - Your Social Security Is Taxable

6:05 - Taxes Will Likel...

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By ignoring the simplest fixes in your financial plan, you could be setting yourself up for a potential disaster. Don't wait until it's too late to make these changes.

Contact:

Phone Number: 480-513-1830

Website: https://pelletoncapital.com/

Show Notes: 

1:16 - Charles Shares His Picks For March Madness On The Men’s And Women’s Sides

3:04 - The Risk Of Having Out Of Date Legal Documents

5:06 - Not Correcting Beneficia...

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March 18, 2021 13 min

Let’s step into the classroom again to cover some financial buzzwords. Are these important to know? What are they? How do they impact you? We’ll answer those questions and more as we always look to educate you a little bit on the show.

Contact:

Phone Number: 480-513-1830

Website: https://pelletoncapital.com/

Show Notes: 

1:16 - Getting To Know: Favorite Restaurant?

3:07 - Main Topic: The Financial Dictionary

3:19 - The Go-Go ...

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March 4, 2021 19 min

We often see people making certain assumptions about retirement that just aren’t correct. Let’s explore some of those on today's show.

Contact:

Phone Number: 480-513-1830

Website: https://pelletoncapital.com/

Show Notes: 

1:07 - Headline: General Motors Selling Only Electric Vehicles By 2035

4:42 - Main Topic: Never Make Assumptions

5:16 - I’ll Spend Less In Retirement

8:08 - My Taxes Will Be Lower In Retirement

10:19 -...

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February 18, 2021 18 min

We run through the laundry list of top concerns that many retirees and pre retirees have. Charles discusses how he address them and what is the underlying theme that is causing those concerns.

Contact:

Phone Number: 480-513-1830

Website: https://pelletoncapital.com/

Show Notes: 

2:04 - Main Topic: Client Concerns

2:17 - What Are Some Top Concerns?

4:01 - Dog Analogy

8:00 - Wall Street Has Set Low Expectations

14:00 - Elon M...

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February 4, 2021 14 min

What’s the most interesting thing in the investment world? We talk about the concept of innovation causing disruption in various industries, what that means and why it might be something worth paying attention to.

Contact:

Phone Number: 480-513-1830

Website: https://pelletoncapital.com/

Show Notes: 

1:46 - Main Topic: Innovation Causing Disruption

3:22 - Ecommerce

5:53 - Interesting Statistics

11:21 - People Don’t Like Chang...

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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?

Contact:

Phone Number: 480-513-1830

Website: https://pelletoncapital.com/

Show Notes: 

2:13 - Main Topic: Retirement Statistics

2:30 - 17% Of American Wo...

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Mark as Played

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?

Contact:

Phone Number: 480-513-1830

Website: https://pelletoncapital.com/

Show Notes: 

2:01 - Main Topic: Where All My Financial Knowledge Comes From

2:3...

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December 17, 2020 19 min

There are many more risks to guard against in retirement planning than most people realize. Let’s explore some of the planning risks we all face and how to prepare for them.

Contact:

Phone Number: 480-513-1830

Website: https://pelletoncapital.com/

Show Notes: 

1:38 - Main Topic: The Different Types Of Risk

2:17 - Market Risk

3:29 - Inflation Risk

5:01 - Tax Rate Risk

5:44 - Longevity Risk

10:04 - Mailbag: Ellen Asks If She...

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December 3, 2020 18 min

Let’s explore some of the things you should be thinking about and checking on as we wrap up 2020 and begin 2021.

Contact:

Phone Number: 480-513-1830

Website: https://pelletoncapital.com/

Show Notes: 

2:40 - Main Topic: End Of Year Planning

2:55 - Should We Be Maxing Out Our Retirement Contributions?

3:48 - Reviewing The CARES Act

5:04 - Tax-Loss Harvesting

5:33 - Evaluating Tax-Deductible Charitable Contributions

7:45 - Ro...

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November 19, 2020 20 min

Want to grade your preparedness for retirement? Here are five key questions you need to ask yourself. Your answers will help determine how ready you are for retirement.

Contact:

Phone Number: 480-513-1830

Website: https://pelletoncapital.com/

Show Notes: 

1:29 - Main Topic: Retirement Preparedness Quiz

1:58 - Do You Know How Much You Have?

3:46 - Do You Know How Much You Spend?

6:05 - Do You Know How Much Risk You Have?

10:...

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November 5, 2020 16 min

If you look up quotes about diversification from famous investors, you might come across one from renowned investor Warren Buffet that will certainly raise your eyebrows. It goes, “Diversification is protection against ignorance. It makes little sense if you know what you are doing.” Yet, we’ve always heard about diversification being one of the keys to success for retirement planning. How can these seemingly different ideas both b...

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October 15, 2020 16 min

This episode is all about addressing the most frequently asked questions about 401(k)s.

Contact:

Phone Number: 480-513-1830

Website: https://pelletoncapital.com/

Show Notes: 

1:30 - Main Topic: 401(K) FAQs

1:49 - Taking A 401(K) Loan

4:13 - Roth Option

6:15 - Finding The Right Advisor

10:52 - Mailbag: Sally Asks If She Is Eligible For Half Of Her Ex-Husband’s Social Security Benefit

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People often overlook the estate planning side of preparing for retirement. There are a lot of misunderstandings about trusts and wills and the roles they play in the equation. On this episode, we’ll explore some of the critical questions you should ask about these strategies as you prepare for retirement.

Contact:

Phone Number: 480-513-1830

Website: https://pelletoncapital.com/

Show Notes: 

1:29 - Main Topic: Wills & Trust...

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Vanguard’s “How America Saves 2020” report is packed with lots of intriguing stats and findings about Americans and how they save for retirement in the crazy year that is 2020 (most of the recent data is technically from 2019 although some figures are current through the Spring of 2020). Let’s look at some of the top takeaways from the study and how you might compare to the “normal” savings behaviors of Americans.

Show Notes: 

1:1...

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September 3, 2020 15 min

We get a lot of questions about how the house (or houses) fit into retirement plans. From downsizing to rental properties to interest rates, let’s explore some of the top retirement questions as it relates to all things housing.

Show Notes: 

2:03 - Main Topic: This One’s On The House

2:25 - Pay Off The House, Or Enjoy The Low Interest Rates?

3:30 - Is It Wise To Downsize?

5:14 - Is A Rental Property A Good Idea?

7:06 - What Co...

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August 20, 2020 20 min

Living a long time isn’t supposed to be a bad thing and it almost seems counterintuitive to categorize it as a risk. But it is. Let’s take a look at how longevity plays a role in a financial plan and have an honest conversation about how deal with the “problem” of living too long.

Show Notes: 

1:12 - Main Topic - Longevity Risk

2:25 - How Old Is Your Oldest Client?

2:39 - Oldest Person In Your Family?

3:20 - Who Is The Oldest P...

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Many financial issues impact us all the same. But, of course, other challenges have varying impacts from person to person because our situations are all unique. Let’s take a look at some of the financial and retirement challenges that are unique to women. We also discuss some rules of thumb and get Charles' take on them.

Show Notes: 

2:00 - Main Topic - Financial Issues That Are Challenging For Women

3:29 - Level Of Engagemen...

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How complex should a financial plan be? On one hand, a single page plan sounds nice and easy to understand. But is that comprehensive enough if it can fit on one page?

Show Notes: 

2:07 - Headline: The Market Rebounding

5:44 - Main Topic: Are Complicated Portfolios Necessary?

6:19 - What Do You Typically See When It Comes To The Length Of The Financial Plan?

7:11 - Misconception Between Portfolio And The Plan

8:49 - The Rule O...

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There are some financial planning blunders that are interesting to talk about but are quite rare in reality. On the other hand, there are some financial planning mistakes that happen far too often. Let’s talk about the mistakes so many people have made in the past it has made them “classic”.

Show Notes: 

1:13 - Headline: 72% Of American Say They Will Prioritize Financial Planning Once Pandemic Is Over

3:15 - Classic Pre-Retiree M...

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