Retirement Planning Happy Hour

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In this episode, we dive into one of the most common—and misunderstood—strategies in retirement planning: Roth conversions. 

While they’re often promoted as a one-size-fits-all tax solution, the truth is more complicated. From longevity risk and spending risk to RMD concerns and Medicare surcharges, many retirees discover that conversions may not benefit them during their lifetime at all.

We’ll uncover why timing, tax b...

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In this episode, we dive into the truth about investor sentiment and why emotions often drive market behavior more than logic. From inflation fears to market corrections, we’ll show you why reacting to headlines and short-term noise can cost you big in the long run.

We’ll break down how the economy’s resilience, the role of corrections, and the impact of missing the market’s best days all prove one thing: patience...

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In this episode, we break down some of the most common mistakes people make when trying to “DIY” their financial planning. While the idea of saving money on advisor fees sounds appealing, the reality is that DIY missteps often cost far more in the long run. From being reactive instead of proactive, trusting the wrong “advisor,” or assuming debt-free means financially secure, these mistakes can derail your future.

We’ll...

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In this episode, we dive into the misconceptions surrounding the term “financial advisor.” Today, many insurance companies encourage agents to get licensed so they can present themselves as advisors. While that may sound legitimate, much of the guidance they provide still ties back to the products their company sells.
We’ll explore the critical differences between investment advisors and financial planners, why va...

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In this episode, we break down one of the most significant tax law changes in recent years—and how it could impact your financial future. From permanently low tax rates and shifting Roth conversion strategies, to inflation-adjusted deductions, charitable contribution updates, and gifting rules, this bill touches nearly every part of tax planning.

We’ll explore what these changes mean for your family, your wealth, ...

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In this episode, we uncover some of the most common—and costly—mistakes people make in financial planning. From choosing the wrong advisor, letting pride or ignorance guide decisions, to confusing accountants with financial planners, these errors can derail your path to financial security. 

We’ll explore why patience in the market is crucial, why “doing nothing” is sometimes the smartest move, and why delegating to pro...

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In this episode, we unpack the question: Where do we actually learn about money? The truth is, most of us never had formal lessons in school about saving, debt, or investing. Instead, we learned from our parents, from what we saw at home, or—sometimes—from painful mistakes as adults. Whether through arguments about bills, small childhood purchases, or late-night financial stress, those lessons stick with us and shape ...

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In this episode, we break down everything you need to know about annuities—what they are, what they’re not, and why so many people misunderstand them. 

From fixed and indexed annuities to single and joint life options, we reveal the real purpose of these insurance products and the tradeoffs that come with them.

We’ll also explain why annuities aren't investments, how they provide downside protection, and why u...

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In this episode, we uncover why inheritance planning is far more than just receiving assets—it’s about understanding the rules, taxes, and strategies that ensure you keep more of what’s passed down. Many families are surprised by how account types, tax laws, and timing can drastically impact the true value of what heirs receive. We’ll explore special rules for spouses inheriting IRAs, how inherited Roth accounts shoul...

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In this episode, we dive deep into the rise of Artificial Intelligence—what it really is, how it’s already integrated into our daily lives, and why it’s one of the most transformational tools of the 21st century. From ethical concerns to the future of work, we explore how AI can either empower or overwhelm, depending on how we choose to use it.

We’ll discuss the myths, the fears, and the opportunities surroun...

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 In this episode, we break down one of the most critical shifts in modern investing—how the traditional relationship between stocks and bonds is changing. For decades, bonds acted as the safety net when stocks fell, providing balance and protection in diversified portfolios. But recent years, especially since 2022, have shown a troubling trend: stocks and bonds moving down together.

We’ll explore why this positive...

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In this episode, we dive deep into one of the most essential strategies in financial planning—diversification. While many investors chase headlines and compare their returns to the S&P 500, true success lies in building a portfolio that’s balanced, resilient, and aligned with your goals. We’ll break down sector diversification, strategic long-term investing, tax diversification, and how to manage risk in retiremen...

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In this episode, we explore the real purpose of emergency funds and why holding too much cash could actually be hurting your financial future. We unpack the hidden risks of inflation, what qualifies as a true emergency, and why “safe” money may not be as safe as you think.

You’ll learn how to set up your emergency fund the right way, how to avoid the 10% penalty on retirement accounts, and why too much cash c...

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In this episode, we dive deep into the misunderstood world of estate planning—unpacking the power of trusts, the importance of wills, and how to protect your family long after you're gone. From setting up guardianship for your children to understanding the differences between revocable and irrevocable trusts, we break down complex topics into clear, actionable insights.

You’ll learn why not all trusts protect...

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In this episode, we dive into the often-overlooked aspects of investing—business risk versus market risk, recency bias, and the importance of diversification. We explore real examples like the impact of false accusations on company stock value, the pitfalls of relying too heavily on recent stock performance, and why having a well-designed portfolio tailored to your timeline matters more than chasing headlines.
Whe...

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In this episode, we discuss the realities of real estate investing, including the potential risks and rewards. We explore the importance of understanding tax implications, the challenges of managing rental properties, and the benefits of a long-term approach to real estate investing.
Whether you're a seasoned investor or just starting out, this episode will provide valuable insights and practical advice for n...

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In this episode, we uncover why insurance is one of the most misunderstood—and most important—parts of a solid financial plan. While many jump straight into investments, few realize the critical role that risk mitigation plays in protecting wealth. We’ll explore human capital, the real purpose of term life insurance, the often-ignored importance of disability coverage, and how umbrella policies act as a shield against...

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🔑 Topics covered:

• Benefits of consolidating accounts
• The flawed premise of how some investors view portfolio diversification
• Pros and cons of 401k accounts
• Why you should NEVER leave money in a previous employer's 401k

This week's drink of choice:  Woodford Reserve Sherry Cask Finish

Website: Family Wealth Planning Partners
Schedule a Call: https://www.fwppartners.com/contact
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Welcome to the premiere episode of the Retirement Happy Hour Series! In this kickoff conversation, we set the stage for what retirement can truly be—an exciting new chapter full of purpose, connection, and opportunity. Join us as we explore the emotional and financial transitions that come with retirement, bust common myths, and offer practical advice for finding joy and direction beyond the nine-to-five.

Eric Douglas ...