Kelly Advisor Podcast

Kelly Advisor Podcast

Jim Freeman provides you with insight on finances and retirement lifestyles.

Episodes

June 15, 2022 19 min
  • Northwestern Mutual's 2022 Planning & Progress Study found that 60 percent of U.S. adults say that the pandemic has been highly disruptive to the way they manage their finances. But they have taken certain actions to buttress longer-term financial security.  
  • DALBAR's 2022 Quantitative Analysis of Investor Behavior (QAIB) report found that the Average Equity Fund Investor finished the year with a return of 18.39 percent ...
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  • We are indeed experiencing the highest inflation since the early 1980s, which really had its roots in the 1970s. 
  • Still, conditions in this decade are very different from 50 years ago.
  • After WWII, higher inflation resulted from manufacturing disruptions, rebounding demand for consumer goods, and soaring money growth... Sound familiar?   
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  • According to Pew Research, over 50 percent of older workers are now out of the workplace. That is up from 48 percent just prior to the pandemic. 
  • Older workers continued to work through recessions dating back to the 1990s. The pandemic-induced recession in 2020 saw that trend reverse.  
  • The 2008-2009 Great Recession saw personal wealth decline markedly. The economy and capital markets decoupled during 2020-2021. Financial assets and ...
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  • Learn how Social Security is actually funded.
  • The 6.2 percent Social Security payroll tax has been constant since 1991. Is it time to change that?  
  • The solution to future funding gaps may in fact be a blend of boosting revenue to the system and slowing down benefit payments. 
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  • Dr. James contracted the coronavirus before many Americans had even heard of it and spent time thereafter on the front lines in the ICU in New York City just as the pandemic took its grip of the city and the country.
  • Has the pandemic politicized medicine in America?
  • In the midst of the chaos, Dr. James created her own model and her own enterprise to serve patients with an emphasis on early out-patient treatment.
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  • Demographics is destiny. Shifts in demographic power will be seismic. 
  • Will poor savings, healthcare costs, looming Social Security challenges, and high debt loads absorb much of the great transfer?
  • With so much change over the horizon, the retirement planning space will radically change. 
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  • Breaking down individual and corporate tax rates slated for change. 
  • A 900-page proposal... Has anyone in government really read all of it? 
  • Will the enactment of higher taxes amidst a fragile economic recovery ultimately contribute to stagflation? 
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  • On August 15, 1971 President Nixon gave a speech that was a catalyst for stagflation.
  • Parallels: The oil embargo of 1973 was a shock to the system that, combined with bad monetary policy, brought about economic misery. Is the pandemic the same kind of shock in 2021, along with questionable modern-day monetary policy, that will beget similar conditions? 
  • Watch the bond market on where it thinks inflation is heading. 
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  • The bond market is a better barometer of the economy's condition than the stock market.
  • Look around you. Bonds are everywhere. Take the municipal bond market. There are over 44,000 municipal bond issuers in the U.S. with over one million muni bond issues outstanding. Your local schools were probably financed with bonds. Not to mention the library and water treatment facility. 
  • The Federal Reserve has effectively nationalized the ...
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  • Our conversation is inspired by David Hepworth's book, Never A Dull Moment: 1971 The Year That Rock Exploded.
  • "What's Going On," a phrase and song that set the tone.  
  • The ultimate Baby Boomer year. How 60s optimism and 70s pessimism collided to produce a burst of creative tension since unmatched in modern music. 
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  • According to a scholar at the American Enterprise Institute, America's retirement system has never been stronger.
  • There's plenty of good news. For one, more Americans are saving for retirement than ever before.  
  • What about Social Security? Surprise! Future retirees should be just about as well prepared for retirement as today's retirees. 
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  • Fox in the hen house: Frank Abagnale Jr. ("Catch Me If You Can") provides keen insights.
  • Hacking History: Malicious Attacks. Human Error. System Faults. They have all played a role in hacks on retail, healthcare, infrastructure, financial services, and government -- practically on a daily basis. Following the money... 
  • A personal security strategy is not as complicated as you think. Some ideas to consider.
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  • Album art, gatefolds, liner notes, bootlegs, pops and hisses were all part of the dialog if you grew up in the 60s, 70s, and 80s.
  • Why is analog a warm sound while digital can be brittle and cold? We might have the answer...
  • Vinyl Revival: Vinyl sales peaked around 1981, eventually displaced by the CD, But over the last decade, records have staged a comeback.
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  • The study focuses on job exits and retirements for two demographic age groups (50-61) and (62+)
  • Low earners fared worse than their higher-earning counterparts during COVID. The oldest group of high earners did worse during COVID Recession (2020) than during the Great Recession (2009).  
  • All workers need to plan years in advance of estimated retirement; not months in advance. 
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    1. What is an NFT? 2. Will NFTs become permanent, or just a passing fad like bell bottom jeans and mullet hair cuts? 3. Bono: "If I don't understand it, it must be art..." sports and music in NFTs.  
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    March 19, 2021 19 min
    1. Risk is an emotional motivator: We are twice as concerned about avoiding losses than we are about achieving potential gains. 2. Risk vs. Reward: The risk you want and the risk you need and the risk you have can impact your financial goals.  3. Risk in a portfolio can be defined and discovered. Powerful software tools can shed light on your risk profile. That is important to know.
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    1. See the ship through the eyes of the crew. - It's Your Ship: Management Techniques from the Best Damn Ship In The Navy

    2. Inventing the A-bomb of the social sciences. - If Then: How the Simulmatics Corporation Invented The Future

    3. Jesus took a disorganized "staff" of twelve and built a thriving enterprise. -Jesus CEO

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    1. "Craftsmanship comes out of intelligent hard work." -Bill Russell

    2. "More space and computers, but less poetry and mystery." -Ron Chernow

    3. "I'm not sure if it's for you, but..." -Phil M. Jones

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    1. Bitcoin Was Born on October 31, 2008. To Mine It You Need Hard Drives Not Hard Hats. 2. Next-Gen Gold or Digital Kryptonite? Don't Count on Bitcoin Replacing the Dollar Any Time Soon. 3. For the First Time, the IRS in 2021 Will Ask You About Your Cryptocurrency Activity on Form 1040 Tax Returns. Regulation Is Coming.  
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    1. The Who, What, Where & Why of GameStop 2. How the Fusion of Cash, Gamification, and Technology Helped Foment a New Financial Populism on Wall Street 3. Reddit + Robinhood = Rebellion. Welcome to Occupy Wall Street Version 2.021
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