Tag: Financial Advisor
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.

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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.

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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.

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Fact or Fear? The Real Costs of Long-Term Care (Ep.7)

Fact or Fear? The Real Costs of Long-Term Care (Ep.7)

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Are you ready to uncover the truths and myths about long-term care and its implications for your financial future? 

Terry Wheeler dives deep into the complexities and concerns surrounding long-term care (LTC). From dismantling common myths to exploring the real costs and solutions, Terry offers valuable insights and strategies to make informed decisions. Listen as he discusses the various phases of long-term care, from in-home assistance to skilled nursing facilities, emphasizing the importance of preparation and personalized financial planning to secure a worry-free retirement.  

Terry discusses: 

  • Understanding the real costs and coverage of long-term care
  • Debunking common myths surrounding LTC and its necessity
  • The impact of family dynamics on long-term care planning
  • Exploring the different types of long-term care solutions and how to choose the right one
  • And more

Resource:

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.

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Income Is King – Bonds & Beyond with Matt Williams (Ep. 6)

Income Is King – Bonds & Beyond with Matt Williams (Ep. 6)

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Are bonds your only fixed-income option? 

In today’s episode of WE Money Talk, Terry Wheeler and his guest Matt Williams open the vault of fixed-income options going way beyond traditional bonds. From index crediting strategies to real estate lending and distressed debt opportunities, they discuss the importance of diversification and understanding risk tolerance in building a well-rounded fixed-income portfolio. 

Tune in for an insightful discussion that could reshape your investment approach!

Key takeaways include:

  • The importance of understanding fixed-income alternatives beyond bonds
  • The benefits of incorporating index crediting strategies into investment portfolios
  • How real estate lending be considered a potential fixed-income approach
  • The significance of diversification in creating a balanced fixed-income portfolio
  • And more

Resources:

Connect with Terry Wheeler: 

Connect with Matt Wiliams:

About Matt Williams: 

Matt Williams is a second-generation real estate broker and grew up in the real estate business. He has been involved in all aspects of real estate from buying, selling, and remodeling houses and condos all over California, as well as being a landlord. He specializes in underwriting and determining the value of different real estate asset classes. With over two decades of experience, his extensive knowledge of real estate, and construction, and his ability to research properties and locations have proven to be a valuable addition to WE Institutional. 

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.

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Inflation: The Silent Tax (Ep.5)

Inflation: The Silent Tax (Ep.5)

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Inflation has the same effect as taxes, and the US government knows this. They play a game with inflation to effectively tax people, and they do it in a way that relates to the national deficit.

Join host Terry Wheeler, CFP®, and Gabe Rodriguez, Investment Advisor at WE Alliance Wealth Advisors, Inc., as they delve into the impact of inflation on consumer purchasing power, the government’s influence on rising costs and currency value, and draw parallels between inflation and higher taxes.

Learn how you can combat the silent tax of inflation as Terry and Gabe explore:

  • Strategies for your investments including indexing and cryptocurrency 
  • The adoption of Bitcoin as a common currency in other countries
  • Bond alternatives such as an inflation-adjusted treasury  
  • Examples of inflation hedges like real estate, indexed bonds, and certain stocks
  • Reasons why inflation occurs and predictions for future retirees
  • And more

Resources:

Connect with Terry Wheeler: 

Connect with Gabe Rodriguez:

About Gabriel Rodriguez: 

Gabriel Rodriguez is a registered investment advisor representative. He holds a Bachelor of Arts degree in Economics from San Diego State University. Gabriel has become an integral part of the customer service relations team, focusing on day-to-day operations and back-end support for investors.

 

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.

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Creative Tax Planning Strategies to Retain More of Your Wealth (Ep. 4)

Creative Tax Planning Strategies to Retain More of Your Wealth (Ep. 4)

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It’s not what you make, but what you keep that matters.

That’s exactly what tax planning is about — keeping more of your hard-earned wealth! However, you need to be proactive about it.

To learn how, listen to this informative podcast where Terry Wheeler, JD, CFP®, unravels the intricacies of tax planning. He shares a host of tax-saving strategies (both simple and advanced) to help you grow your wealth efficiently — so you can improve your retirement and give more to future generations.

Terry discusses: 

  • Tax implications of various investment categories and retirement accounts
  • How Roth conversions and 529 plans work (with caveats to keep in mind)
  • How to use life insurance strategically in tax planning and wealth transfer
  • Creative ways for business owners to reduce their taxes
  • 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.

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Why Longevity MATTERS In Building Your Financial Plans For Retirement (Your Money SHOULD OutLive You) (Ep. 3)

Why Longevity MATTERS In Building Your Financial Plans For Retirement (Your Money SHOULD OutLive You) (Ep. 3)

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How long will you live? 

You might be lucky enough to reach your 90s, so what do you need to do now to make sure that your retirement savings last your lifetime?

Join Terry Wheeler as he dives into the concerns of longevity, the importance of long-term planning, and how changing retirement income sources impact retirement planning.  He also examines the impact of market fluctuations on retirement portfolios, highlighting the critical importance of implementing defensive strategies.

Terry discusses: 

  • What strategies can be employed to address longevity risk
  • When is it important to understand longevity and the quality of years in retirement
  • How does market volatility impact retirement savings
  • What are volatility buffers, and how can they protect against market downturns
  • 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.