What if you could send your kids to college without sacrificing your financial future?
Many families find themselves caught in the middle of this challenge, but with the right approach, it’s entirely possible to balance both.
Terry Wheeler provides practical insights into how families can make smarter financial decisions when planning for college expenses, without putting their retirement at risk.
The conversation focuses on strategies that can help families save more effectively and avoid common pitfalls that lead to financial stress down the road.
Key discussion points include:
Navigating conventional and unconventional sources of college money [00:07:17]
Decoding the real costs involved in higher education [00:05:26]
Innovative tax credit and deduction strategies to save on college expenses [00:20:21]
The power of income shifting and 529 plan tactics [00:33:11]
Business-savvy methods to maximize tuition funding [00:31:14]
Feeling restless and considering an early escape from the daily grind? What if you could start living your dream retirement now, even before clocking out for good?
Join Terry Wheeler as he chats with his brother, Ed Wheeler, about the concept of “mini retirements” and how this lifestyle can redefine your approach to wealth and adventure.
Discover the liberating world of budget travel and learn about Ed’s adventures across Tbilisi, Malta, and Prague. His experiences will inspire you to plan your own life-enhancing journeys, encouraging you to see the world and embrace flexibility without waiting for the “right time.”
Key conversation points include:
The life changes that pushed him towards early travel [00:02:41]
Why Tbilisi, Georgia, became his destination of choice [00:04:38]
Insights from Malta’s medieval charms to Prague’s bustling neighborhoods [00:18:12]
How to blend work and travel in the Cayman Islands [00:32:58]
Ed Wheeler is an Executive Consultant with Long International and has over 35 years in the heavy civil construction, oil and gas, and power industries. He is experienced with the development of pre-bid pursuit schedules and baseline schedules and recently completed a pursuit schedule for a $1.3 billion joint venture project.
Mr. Wheeler has had a significant role in the development of large, sophisticated project schedules for several high-profile nationwide projects totaling over US$8 billion. He has proven experience in construction management, management advisory services, and construction claims consulting. He provides clients with superior hands-on industry knowledge and the analytical and problem-solving skills necessary to understand and demonstrate the effects of complex construction issues and time-related impacts.
Mr. Wheeler began his career as an Operating Engineer for one of the largest U.S. heavy civil contractors. He subsequently worked as a Project Engineer, Project Manager, Project Scheduler, Contract Administrator, Scheduling Consultant, Senior Scheduler, and Corporate Scheduler. Mr. Wheeler has provided services to several of the most respected heavy civil contractors in the U.S. and some of the largest construction companies in the world.
What to Say (and Not Say) to Someone Grieving (Ep. 23)
In this heartfelt episode, Terry Wheeler delves into the complexities of grief and the challenges we face in supporting those who have lost a loved one.
Drawing from personal experiences and a compelling presentation he attended by Darren Sugiyama, a fellow financial advisor deeply affected by loss, Terry explores effective ways to show support and empathy.
Terry shares touching stories about his late friend, Bruce Bone, and reflects on how to meaningfully connect with grieving families.
Gain insight into navigating grief as this episode covers:
Grief Etiquette: What to say and, just as importantly, what not to say to those in mourning.
Personal Stories: Recounting memories and finding comfort in shared experiences.
Acts of Kindness: The impact of unexpected gestures and memorials that honor lost loved ones.
Practical Support: Offering tangible help without adding pressure during difficult times.
Could refinancing your annuity turbocharge its return by 50% while also topping up your retirement fund with bonuses you don’t have to pay back?
Terry Wheeler dives into annuity refinancing strategies that are hard to ignore given today’s interest rate climate. If you’re curious about how your financial future could benefit, this conversation is for you.
Terry Wheeler discusses:
What refinancing an annuity involves and its potential benefits [00:00:49]
The economic environment making annuity upgrades viable [00:02:25]
Different types of annuities and eligibility for refinancing beginning at [00:03:29]
Financial implications, including cap rates and par rates [00:06:29]
The tax implications of refinancing through a 1035 exchange [00:13:32]
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 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.
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.
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
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.
