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Maximizing Your Social Security Benefits (Ep. 20)

Maximizing Your Social Security Benefits (Ep. 20)

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What does the Social Security Fairness Act mean for your retirement plans? 

In this episode of WE Money Talk, Terry Wheeler unpacks the upcoming changes to the Social Security system that could impact your benefits. The Social Security Fairness Act is set to expand eligibility, proving vital for many who previously fell through the gaps, like teachers and some government employees.

Terry discusses:

  • The history and misconceptions around Social Security. [00:00:41]
  • Major changes for 2025 and their implications for cost-of-living adjustments. [00:02:59]
  • Adjustments on retirement age and contributions. [00:05:03]
  • The Social Security Fairness Act and who it affects. [00:09:06]
  • How you could recoup benefits retroactively and what steps to take next. [00:12:22]

Resources:

Connect with Terry Wheeler: 

Terry Wheeler is an Investment Adviser Representative of WE Alliance Wealth Advisors, Inc., a SEC-registered investment adviser located in Roseville, CA.

 The information presented is for educational purposes only. No listener should assume that any discussions or information presented serves as the receipt of, or a substitute for, personalized advice from WE Alliance Wealth Advisors, Inc. or from any other investment professional and is not intended as an offer of solicitation for the sale or purchase of any specific securities, investments, or investment strategies. WE Alliance Wealth Advisors, Inc. is not a law firm or accounting firm, and no portion of this Podcast should be interpreted as legal, accounting, or tax advice. Information expressed does not take into account your specific situation or objectives and is not appropriate for every individual. Listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation.
Understanding the Economic Impact of Trump’s Second Term (Ep.18)

Understanding the Economic Impact of Trump’s Second Term (Ep.18)

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What if your grasp of today’s political changes could truly affect your finances and future investments?

Terry Wheeler delves into the pressing issues that President Donald Trump faces as he embarks on his second term. He tackles government debt, the reality behind employment numbers, and the challenges of achieving energy independence.

Terry discusses: 

  • The challenges of managing government debt [00:00:38]
  • Understanding real employment numbers vs. headline figures [00:03:45]
  • The role of tariffs and national security [00:06:34]
  • Energy independence and its economic impact [00:11:13]
  • Strategies for tackling immigration thoughtfully [00:16:37]
  • The potential effects of reducing government size and regulation [00:26:17]
  • And more

Connect with Terry Wheeler: 

Terry Wheeler is an Investment Adviser Representative of WE Alliance Wealth Advisors, Inc., a SEC-registered investment adviser located in Roseville, CA.

 The information presented is for educational purposes only. No listener should assume that any discussions or information presented serves as the receipt of, or a substitute for, personalized advice from WE Alliance Wealth Advisors, Inc. or from any other investment professional and is not intended as an offer of solicitation for the sale or purchase of any specific securities, investments, or investment strategies. WE Alliance Wealth Advisors, Inc. is not a law firm or accounting firm, and no portion of this Podcast should be interpreted as legal, accounting, or tax advice. Information expressed does not take into account your specific situation or objectives and is not appropriate for every individual. Listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation.
What The Economy Could Look Like With Donald Trump As President (Ep.16)

What The Economy Could Look Like With Donald Trump As President (Ep.16)

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What could a second term for Trump mean for the economy?

In Episode 15, Terry shared his insights on the potential implications of a Kamala Harris presidency. Now, let’s explore what a Trump win could bring.

Join Terry as he analyzes the impact of Trump’s policies on both Wall Street and Main Street, inflation trends, and the national deficit. This episode offers a thorough analysis and actionable advice to help you navigate the evolving economic landscape. 

Episode discussions include:

  • Learn about the potential market impacts of Trump’s spending strategies
  • Understand how tariffs and regulations might affect inflation and business growth
  • Explore Trump’s stance on energy independence and foreign policy implications
  • Consider how potential immigration reforms could influence Main Street and Wall Street.

Connect with Terry Wheeler: 

 

Terry Wheeler is an Investment Adviser Representative of WE Alliance Wealth Advisors, Inc., a SEC-registered investment adviser located in Roseville, CA.

 The information presented is for educational purposes only. No listener should assume that any discussions or information presented serves as the receipt of, or a substitute for, personalized advice from WE Alliance Wealth Advisors, Inc. or from any other investment professional and is not intended as an offer of solicitation for the sale or purchase of any specific securities, investments, or investment strategies. WE Alliance Wealth Advisors, Inc. is not a law firm or accounting firm, and no portion of this Podcast should be interpreted as legal, accounting, or tax advice. Information expressed does not take into account your specific situation or objectives and is not appropriate for every individual. Listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation.

 
What The Economy Could Look Like With Kamala Harris As President (Ep.15)

What The Economy Could Look Like With Kamala Harris As President (Ep.15)

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When it comes to casting your ballot, it’s crucial to base your decision on facts, not emotions. Look for leaders who provide solid information and realistic solutions, not just empty promises.

In this episode, Terry Wheeler breaks down Kamala Harris’ proposed economic policies, covering everything from government spending to taxation, and what they could mean for the broader economy—and your portfolio. Explore the nuances of a Harris presidency and how it might compare to a potential Trump economy, providing insights to help you prepare for what’s ahead.

Key episode discussion points include:

  • The historical significance of Harris potentially being the first female president and what this means for American symbolism
  • Harris’ possible spending policies, inclinations toward maintaining social programs, and implications for stock markets and inflation
  • Proposals for corporate tax rates and potential policy impacts on wealth distribution
  • Her position on energy independence and the administration’s effectiveness in border security and immigration policies

Connect with Terry Wheeler: 

Terry Wheeler is an Investment Adviser Representative of WE Alliance Wealth Advisors, Inc., a SEC-registered investment adviser located in Roseville, CA.

 The information presented is for educational purposes only. No listener should assume that any discussions or information presented serves as the receipt of, or a substitute for, personalized advice from WE Alliance Wealth Advisors, Inc. or from any other investment professional and is not intended as an offer of solicitation for the sale or purchase of any specific securities, investments, or investment strategies. WE Alliance Wealth Advisors, Inc. is not a law firm or accounting firm, and no portion of this Podcast should be interpreted as legal, accounting, or tax advice. Information expressed does not take into account your specific situation or objectives and is not appropriate for every individual. Listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation.
Are Reverse Mortgages Right for Your Retirement? (Ep. 14)

Are Reverse Mortgages Right for Your Retirement? (Ep. 14)

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Reverse mortgages have evolved into a widely accepted financial tool, offering tailored solutions for certain individuals—particularly seniors seeking to enhance their financial security. Although there are costs involved, such as mortgage insurance, the potential relief and flexibility these products offer can make a meaningful difference in the lives of those in need.

Join Terry Wheeler as he sits down with Brooke McManus, Account Executive at Longbridge Financial, to unpack the modern-day reverse mortgage. Together, they dive into the key benefits, including how reverse mortgages can help address financial challenges, the common misconceptions that persist, and the critical costs to consider.

Key takeaways from this episode include: 

  • Associated costs and eligibility parameters of reverse mortgages 
  • Line of Credit (LOC) options and how they can benefit borrowers
  • Expert insights into the application process
  • How can reverse mortgages help fund in-home care, long-term care, or emergencies
  • And more

Connect with Terry Wheeler: 

Connect with Brooke McManus:

About Our Guest: 

Brooke McManus serves as an Account Executive for Longbridge Financial. With nearly a decade of mortgage and real estate industry experience, her client-centric approach to evaluating customer needs yields continually satisfied customers and strong, lasting partnerships. Brooke takes special pride in her ability to work with brokers of all experience levels, from industry veterans to those who are new to reverse mortgages.

 

Terry Wheeler is an Investment Adviser Representative of WE Alliance Wealth Advisors, Inc., a SEC-registered investment adviser located in Roseville, CA.

 The information presented is for educational purposes only. No listener should assume that any discussions or information presented serves as the receipt of, or a substitute for, personalized advice from WE Alliance Wealth Advisors, Inc. or from any other investment professional and is not intended as an offer of solicitation for the sale or purchase of any specific securities, investments, or investment strategies. WE Alliance Wealth Advisors, Inc. is not a law firm or accounting firm, and no portion of this Podcast should be interpreted as legal, accounting, or tax advice. Information expressed does not take into account your specific situation or objectives and is not appropriate for every individual. Listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation.
Financial Strategies for a Long, Healthy Retirement With Heather Holmes (Ep. 13)

Financial Strategies for a Long, Healthy Retirement With Heather Holmes (Ep. 13)

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On today’s episode of WE Money Talk, discover how custom life expectancy assessments like Halo can help you plan smarter for the future. Understanding your unique life expectancy can revolutionize your financial planning and ensure you don’t outlive your money.

Join Terry Wheeler as he discusses the critical topic of longevity planning with Heather Holmes, CEO and founder of Genivity and Lumiant. They delve into the significance of custom life expectancies and their impact on financial decisions. Heather opens up about her journey and the inspiration that led to the creation of Halo, a groundbreaking tool for personalized longevity assessments.

Key highlights include:

  • The role of custom life expectancy assessments in planning for your retirement
  • Halo’s personalized longevity reports and how they can help you make smarter financial decisions
  • The implications of life expectancy on social security and pension optimizations
  • How to plan for healthcare and long-term care costs accurately

Resources:

Connect with Terry Wheeler: 

Connect with Heather Holmes:

About Heather Holmes: 

Heather Holmes is the Founder and CEO of Genivity (acquired by Lumiant), an innovative WealthTech SaaS platform at the nexus of health and wealth for financial planning and wealth management strategies.

FEATURE
How To Protect Your Loved Ones: Estate Planning Essentials (Ep. 11)

How To Protect Your Loved Ones: Estate Planning Essentials (Ep. 11)

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How can you secure your family’s future beyond a simple will?

Terry Wheeler delves into advanced estate planning, unveiling essential strategies to assist your loved ones before and after you have passed away. He navigates the complexities of California law, highlights the critical distinctions between wills and trusts, and offers an in-depth guide to crafting a comprehensive estate plan that stands the test of time.

Terry touches on: 

  • Differences between revocable and irrevocable trusts
  • The importance of avoiding probate and understanding the probate process
  • Detailed strategies for protecting your estate from taxes
  • Unique protections like bloodline and remarriage protections
  • And more

Connect with Terry Wheeler: 

Terry Wheeler is an Investment Adviser Representative of WE Alliance Wealth Advisors, Inc., a SEC-registered investment adviser located in Roseville, CA.

 The information presented is for educational purposes only. No listener should assume that any discussions or information presented serves as the receipt of, or a substitute for, personalized advice from WE Alliance Wealth Advisors, Inc. or from any other investment professional and is not intended as an offer of solicitation for the sale or purchase of any specific securities, investments, or investment strategies. WE Alliance Wealth Advisors, Inc. is not a law firm or accounting firm, and no portion of this Podcast should be interpreted as legal, accounting, or tax advice. Information expressed does not take into account your specific situation or objectives and is not appropriate for every individual. Listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation.

FEATURE
Beyond Buy and Hold: Strategies for Protecting Your Retirement in Volatile Markets (Ep.9)

Beyond Buy and Hold: Strategies for Protecting Your Retirement in Volatile Markets (Ep.9)

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Conversations about the stock market can get chaotic quickly – especially because these past few years have tested even the most steadfast investors. 

Has volatility and uncertainty become the new norm?

How can you plan for a future that could change on a dime?

Terry Wheeler dispenses pearls of wisdom with a steady hand, offering time-tested advice on how to navigate the stock market and its fluctuations. Learn reasons behind major market movements, how investors can strategize to thrive amidst volatility, and the benefits of defined outcome investing. This episode is designed to empower investors with investment knowledge to manage risks and seize opportunities.

Highlights from today’s show include” 

  • Understanding market cycles and their impact on investments
  • Debunking the myth of market timing and its feasibility
  • The principles of “defined outcome investing” for managing risk
  • Incorporating defensive maneuvers in investment portfolios for smoother financial sailing
  • And more

Connect with Terry Wheeler: 

Terry Wheeler is an Investment Adviser Representative of WE Alliance Wealth Advisors, Inc., a SEC-registered investment adviser located in Roseville, CA.

 The information presented is for educational purposes only. No listener should assume that any discussions or information presented serves as the receipt of, or a substitute for, personalized advice from WE Alliance Wealth Advisors, Inc. or from any other investment professional and is not intended as an offer of solicitation for the sale or purchase of any specific securities, investments, or investment strategies. WE Alliance Wealth Advisors, Inc. is not a law firm or accounting firm, and no portion of this Podcast should be interpreted as legal, accounting, or tax advice. Information expressed does not take into account your specific situation or objectives and is not appropriate for every individual. Listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation.

FEATURE
Can I Depend on Social Security for My Retirement? (Ep. 8)

Can I Depend on Social Security for My Retirement? (Ep. 8)

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Social Security was introduced in 1935 as a safety net for those few precious years post-retirement when life expectancy hovered around 61-65 years.

In today’s era of extended lifespans, retirement stretches out into vast expanses of time, potentially spanning decades. Yet, amidst this horizon of possibility, the pressing questions that loom in many minds are: ‘Will my financial resources endure?’ and ‘Can I truly rely on Social Security to safeguard my future?'”

Join Terry Wheeler, CFP® and host of WE Money Talk, as he tackles Social Security concerns head-on. Explore its future stability, benefit-maximizing strategies, and practical tips for retirement planning. From its origins to navigating demographic shifts, Terry provides straightforward advice for optimizing your Social Security benefits.

Key highlights include: 

  • The evolution of Social Security and its impact on retirement planning
  • How demographic trends influence Social Security’s financial health
  • Techniques to optimize your benefits based on life expectancy and financial resources
  • The role of alternative income streams, including private pensions
  • And more

Resources:

Connect with Terry Wheeler: 

Terry Wheeler is an Investment Adviser Representative of WE Alliance Wealth Advisors, Inc., a SEC-registered investment adviser located in Roseville, CA.

 The information presented is for educational purposes only. No listener should assume that any discussions or information presented serves as the receipt of, or a substitute for, personalized advice from WE Alliance Wealth Advisors, Inc. or from any other investment professional and is not intended as an offer of solicitation for the sale or purchase of any specific securities, investments, or investment strategies. WE Alliance Wealth Advisors, Inc. is not a law firm or accounting firm, and no portion of this Podcast should be interpreted as legal, accounting, or tax advice. Information expressed does not take into account your specific situation or objectives and is not appropriate for every individual. Listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation.