Financial Choices Matter

Financial Choices Matter

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

Episodes

October 20, 2022 19 min

As we approach the end of the year, saving money on taxes becomes a bigger focus for many people. But let’s broaden the scope out for this particular episode and focus on some of the most common retirement planning questions about taxes. We’ll talk about mistakes to avoid and how a proper plan can make a significant difference in someone’s tax savings.

Contact:

Phone Number: 480-513-1830

Website: https://pelletoncapital.com/

Show N...

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Too many folks misunderstand bonds, how they work, and what role they play in a proper financial plan. We’ll address some of those bond related issues on today’s show.

Contact:

Phone Number: 480-513-1830

Website: https://pelletoncapital.com/

Show Notes: 

0:41 - Main Topic: How Bonds Work

1:39 - Basics Of Bonds

2:22 - Individual Bond Vs Bond Fund

6:57- Target Date Funds

7:42 - Should You Move To Bonds For Safety?

9:06 - Mailbag: Kev...

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September 22, 2022 19 min

It’s been said that “the sales brochure giveth and the fine print taketh away.” On this episode, we’ll talk about some of the things we hear from people when they don’t pay enough attention to the fine print.

Contact:

Phone Number: 480-513-1830

Website: https://pelletoncapital.com/

Show Notes: 

0:38 - Main Topic: Fine Print

4:03 - Increase On Long Term Care Insurance

5:42 - High Fees On Annuity

7:03 - Mutual Fund Performance

8:40 -...

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There are plenty of decisions that you’ll make in the retirement planning process that can’t be undone, so you want to make sure that you make the right call. On this episode, we’ll explain why these decisions are so important and can’t be undone.

Contact:

Phone Number: 480-513-1830

Website: https://pelletoncapital.com/

Show Notes: 

0:35 - Main Topic: Irreversible Financial Decisions

1:29 - Social Security

4:30 - Spousal Benefits F...

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There are many things that we know we’ll have to deal with in retirement, we just don’t know how to predict when or to what degree. How do you construct a plan that deals with the unpredictability of these different factors?

Contact:

Phone Number: 480-513-1830

Website: https://pelletoncapital.com/

Show Notes: 

0:50 - Webinar

2:21 - Main Topic: Planning For Retirement’s Uncertainties

2:47 - Be Flexible

4:14 - Longevity

5:32 - Intere...

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August 4, 2022 20 min

Being a good advisor isn’t about winning a popularity contest or just saying the same things that everyone else in the industry says. It’s about giving the best advice that you can for each individual situation. On today’s show, we’re going to peel back the curtain to discuss some areas where a good financial advisor’s opinions might go against the grain with mainstream ideas in the industry.

Contact:

Phone Number: 480-513-1830

Web...

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Finding yourself between jobs can be frustrating—whether you were fired, laid off, or just had to step away of your own choosing. But it can also present some opportunities. Let’s discuss some of the challenges and opportunities that you need to consider if you’re between jobs.

Contact:

Phone Number: 480-513-1830

Website: https://pelletoncapital.com/

Show Notes: 

0:33 - Main Topic: Financial Planning Considerations When You’re In B...

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July 7, 2022 20 min

Going through a divorce at any age is difficult, but doing it near or in retirement adds all sorts of additional complications. On this episode, we’ll talk about some of the financial mistakes we see people make in the midst of a divorce.

Contact:

Phone Number: 480-513-1830

Website: https://pelletoncapital.com/

Show Notes: 

1:41 - Being a certified divorce planner

2:37 - Choosing the house as a safety blanket

5:37 - The tax implica...

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In some ways, retirement planning was easier for past generations. Let’s explore how a good financial advisor helps people overcome the additional challenges of today. Our parents and grandparents may not have had to face these things, so just relying on the experiences of family members might not be enough to help us achieve our own financial success.

Contact:

Phone Number: 480-513-1830

Website: https://pelletoncapital.com/

Show N...

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On this episode, we’ll try to pick sides of some important financial debates. From bonds to life insurance, credit card debt to starting Social Security, we’ll propose several different topics to see which sides of the debates you and your advisor should probably fall on.

Contact:

Phone Number: 480-513-1830

Website: https://pelletoncapital.com/

Show Notes: 

1:09 - Main Topic: Important Financial Decisions

1:46 - Paying Off The Hous...

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Student loan forgiveness is a hot topic of discussion right now. Many people fear the cost of something like this and the lessons it will teach the younger generation, while others argue the cost of higher education is exorbitant and we need to extend help for those who have a lot of debt. There are both pros and cons to each side that we will be discussing on today's show.

Contact:

Phone Number: 480-513-1830

Website: https://p...

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Healthcare can be one of the biggest expenses in retirement and it keeps steadily increasing. We will look at some statistics and numbers as it relates to paying for healthcare and how to plan for these costs.

Contact:

Phone Number: 480-513-1830

Website: https://pelletoncapital.com/

Show Notes: 

2:23 - Main Topic: The Rise Of Healthcare Costs

4:17 - Medicare Premiums

6:10 - Early Retirement

8:06 - Social Security Percentage

9:04 - ...

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Sure, life insurance is one of the more boring topics to cover on a podcast. And a lot of what you hear is going to warn you why you should NOT get various types of life insurance. But our goal on this episode is to focus on the positive and analyze the reasons why you should get life insurance, or at least consider it. Many people think that once the kids are out of the house, you don’t need insurance anymore. But there are some o...

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There are some important terms you’re going to come across as you prepare for retirement. Having a basic understanding of these will help you achieve financial success, so we’ll cover what they mean and what you should know on today’s episode. And don’t worry. We won’t go quite so far down the rabbit hole where we expect you to be able to explain how a company’s P/E ratio meshes with it’s Alpha and Beta ratings to determine how muc...

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It does seem like anyone can call themselves a financial advisor these days. So how can you sort through the different levels of qualification in the industry? On this episode, we’ll try to explain some of the most common designations you’ll encounter on your financial planning journey.

Contact:

Phone Number: 480-513-1830

Website: https://pelletoncapital.com/

Show Notes: 

1:18 - Main Topic: Financial Jargon

2:04 - IAR & RIA

4:2...

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Most people, when trying to plan their retirement, have to guess about the answers to some important questions. Let’s talk about some of those questions and why you need to have a better answer than just a guess.

Contact:

Phone Number: 480-513-1830

Website: https://pelletoncapital.com/

Show Notes: 

1:21 - In The News: Inflation

7:24 - Main Topic: Guessing In Retirement

7:43 - How Much Money Will We Need Monthly In Retirement?

9:36 ...

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We all should realize that planning for retirement is relatively complex. There are a lot of different moving parts and factors to consider. Adjusting any of these variables can impact the end result. But is there one part of the retirement planning process that’s most important? We’ve assembled several opinions on the topic from across the internet. Let’s see if the advice hits the mark or needs further exploration.

Contact:

Phone...

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February 3, 2022 18 min

Some people feel that they’ll save money by handling their investments themselves instead of working with an advisor. Others may like the challenge of doing it themselves. Still others just don’t know who to trust so they end up not working with anyone. Let’s talk about some reasons that you might need an advisor.

Contact:

Phone Number: 480-513-1830

Website: https://pelletoncapital.com/

Show Notes: 

1:37 - Main Topic: Who Even Need...

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At the beginning of every year, people love to make predictions and prognostications about what’s going to happen to the economy in the coming months. Let’s take a look at what the “experts” are saying about the economic outlook of 2022.

Contact:

Phone Number: 480-513-1830

Website: https://pelletoncapital.com/

Show Notes: 

2:03 - In The News: San Francisco Suspended The City’s Cannabis Tax

4:53 - Main Topic: 2022 Predictions

5:16 -...

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January 6, 2022 17 min

Time for a little fun on this episode. We’ll use some fill in the blank prompts to spark good discussion about relationships between advisors and their clients, the stock market, common planning mistakes, and much more!

Contact:

Phone Number: 480-513-1830

Website: https://pelletoncapital.com/

Show Notes: 

1:15 - Main Topic: Fill In The Blank

1:30 - The Best Way To Be Sure You Don’t Run Out Of Money?

2:49 - The Stock Market Has The ...

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