Your Retirement Elevated Podcast with Scott Dougan

Your Retirement Elevated Podcast with Scott Dougan

Financial and retirement planning guidance from Kansas City‘s Scott Dougan of Elevated Retirement Group. Scott Dougan founded Elevated Retirement Group in 2003 in order to fill a niche he felt was not being addressed properly in the retirement planning environment – helping retirees and pre-retirees in the Kansas City metro area find answers to issues that may affect the quality of life during their retirement. Scott is a Registered Financial Consultant (RFC) and holds a Series 65 Investment Adviser Representative license, which holds him to the fiduciary standard. He also holds insurance licenses in Kansas, Missouri and other states.

Episodes

February 3, 2023 55 min

We’ve got a special edition of the podcast today, and it’s one you’re going to want to listen to. We’ve already spent some time on this show discussing  SECURE Act 2.0 and we highlighted many of the planning opportunities it has created. But this is such an important piece of retirement legislation so we’re going even more in-depth on the subject.

In this episode, we are sharing a webinar we hosted about SECURE Act 2.0. And, spoile...

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A new year means many of us are looking for ways to improve our financial lives in 2023.

Today we’re sharing a great checklist to give you areas of focus in order to be better prepared financially. If you’re nearing retirement, these are questions you want to think through and have a plan for before you make that transition.

We’ll also share some important birthdays for financial planning and make sure you know about the items that...

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We’ve gone through all of these different SECURE 2.0 Act provisions, which touch on a range of planning items and dates so that you can really focus on what’s most important. This episode will help you get a better understanding of the changes, how they might impact you, and what planning opportunities you need to be aware of.

Here's some of what we discuss in this episode:

  • More changes again to the required minimum distributio...
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    December 15, 2022 23 min

    It’s time for another mailbag episode, and we bet these questions (and our answers) will help many of you. This episode could really help if you’re looking to improve your financial situation and prepare for retirement.

    We will discuss whether to pay off your mortgage, what to do about dividends, and whether to prioritize paying for college or saving for retirement. Listen to hear some of the questions our listeners have, and maybe...

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    December 1, 2022 27 min

    It’s time to focus on the end of the year, especially taxes, which are a big topic of conversation. We spotlight this topic every December because it’s just that important.

    We do a year-end tax event each year and produce a white paper because having the right strategies to limit your tax bill can help reduce some of the anxiety around tax time. Some people stress about doing their taxes. If you’ve ever received a letter from the I...

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    November 17, 2022 18 min

    Do you have seller’s remorse? If you sell a stock and then regret it later, this might be you. We love talking about the behavioral side of finances and investing, and today’s show is all about that.

    The economy and markets have had a rough time this year, so we’ve seen more regret among investors who led with their feelings instead of facts.

    On this episode, we’ll share:

  • The behavioral side of finances and investing. (1:06)
  • What’s ...
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    November 3, 2022 22 min

    What’s in your control, what’s outside your control, and how do those things influence your decision-making in your financial life? For instance, inflation is surging, the markets are down, and political warfare is holding strong.

    But rest assured, there are aspects you are still definitely in control of. We’ll explain how facts and logic are better tools than emotions, myths, misconceptions and misinformation.

    On this episode, we’...

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    It’s time to celebrate our 100th episode of Your Retirement Elevated with Scott Dougan! For this milestone episode, we thought we’d mix things up a bit with a look back at some of the best lessons from the past few years of podcasting.

    Scott’s a great storyteller; it always makes financial planning more relatable when we can tie it into a story about our past or everyday life. So, we’ve gone back through the past 100 episodes, pull...

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    October 6, 2022 16 min

    There are a couple different ways to view taxes – through micro and macro lenses. You’ve probably heard of micro and macro economics, but today’s show is all about preparing for tax season. 

    Here’s some of what you’ll learn on this episode:  

  • Why you have to consider variables in tax planning. (6:01)
  • Why you need to keep the conversation going about your taxes and how often we should meet. (9:12)
  • Our final thoughts about this crucial...
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    This topic of taxes is such an important one, especially when it comes to retirement, because the more you pay in taxes, the less income you’ll have to spend. By exploring the five ways taxes can rise, we can help prepare you for what might happen and then discuss the ways to protect yourself.

     

    Here’s some of what you’ll learn on this episode:

  • Your taxes in retirement could do one of three things. (5:46)
  • What could lead to you cha...
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    What is your income personality? Today we’re discussing two types and what they mean – probability vs. safety first. Find out which one you are.

     

    Key topics on this episode: 

    2:36 – Two schools of thought

    5:19 – Your preference

    7:12 – Risk

    8:53 – Optimization planning

     

    For more, visit us online: https://listentoscott.com/

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    August 18, 2022 20 min

    Today we’re talking about the four stages of retirement. We want to break it down in an easy-to-understand way to help you prepare for this huge milestone in life.

     

    Key topics in this episode: 

    2:58 – Anticipation

    4:27 – Liberation/disorientation

    6:21 – Reinvention

    10:47 – Reflection/resolution

    13:00 – Legacy

    15:43 – Personality groups

     

    For more, visit us online: http://listentoscott.com 

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    August 4, 2022 14 min

    Our entire episode today is based on a meme that says: “You haven’t experienced true heartbreak until you've measured out a single serving of peanut butter.” It can be pretty depressing to see how what 200 calories of peanut butter really looks like, but we’ll tie it all into expense planning.

     

    Key topics on this show:

    1:45 – Peanut butter

    5:54 – Expense planning

    8:34 – Itemized expenses

    9:36 – Travel and experiences

    11:10 – P...

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    Have you heard about the new popular investment, I bonds? What are the pros and cons surrounding these bonds and are they the right fit for you?

     

    More on I Bonds: https://www.treasurydirect.gov/indiv/products/prod_ibonds_glance.htm

     

    Key topics on this show: 

    1:31 – What kind of questions are we getting?

    2:22 – Breaking down the I bond news

    4:21 – How should we approach understanding these?

    5:32 – How does the return work?

    7:08 – ...

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    Anytime you meet with a financial advisor, you need to determine if your plan needs more review. On this episode of Your Retirement Elevated podcast with Scott Dougan, we’re sharing the five critical questions you need to ask.

     

    Key topics on this show: 

    3:58 – Vacation now or later

    6:17 – Adequate review

    9:36 – Tax plan

    12:00 – Income and liquidity

    13:59 – Risk

    15:34 – Heirs

     

    Read more and get additional resources here: http://li...

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    The ability to delay gratification – people who have this quality are more likely to succeed than any others, according to a study. Today we’ll share how this can help with your financial life.

     

    Read more and get additional financial resources here: http://listentoscott.com 

     

    What we discuss in this episode: 

    2:44 – Marshmallow study

    7:56 – Our clients

    9:20 – More about the experiment

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    Today’s show is a fun one. Bias is one of our favorite topics, and cognitive bias is fascinating, especially as it relates to money. Find out what these biases are and how to implement more rational thinking into your life.

     

    Article discussed today: https://www.visualcapitalist.com/50-cognitive-biases-in-the-modern-world/

     

    Read more and get additional financial resources here: http://listentoscott.com 

     

    What we discuss in this e...

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    May 19, 2022 15 min

    The stock market has been on the decline. But is this normal, or is this time different? How should we handle the drop? We’ll share what advice we give clients and how you can handle the ups and downs with confidence.

     

    Read more and get additional financial resources here: http://listentoscott.com 

     

    What we discuss in this episode:

    2:00 – Why is the market going down?

    5:36 – Volatility is quicker

    9:02 – Upward trend

    11:59 – Final...

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    A recent USA Today article pointed out three murky issues that increase retirement planning’s degree of difficulty, especially in today’s economic climate. On this episode, we’ll breakdown the article to see if the murky issues are actually that threatening, and what you can do about it if you’re concerned.

     

    Read more and get additional financial resources here: http://listentoscott.com 

     

    What we discuss in this episode:

    2:38 – I...

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    After listening to today’s episode, you’ll never attend another baseball game with the family and look at it the same way. We’re going to show you how taking some of baseball’s most basic principles can also lead to financial success in your retirement portfolio. So, grab your peanuts and crackerjacks and let’s take the financial field.

     

    Read more and get additional financial resources here: http://listentoscott.com 

     

    What we dis...

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