Is your investment portfolio prepared for the storm ahead?
With market warning signs on the horizon, discover how to turn potential downturns into opportunities for long-term growth.
Terry Wheeler decodes the warning signals investors might be missing and shares insights on building a recession-ready portfolio. With guests exploring the history of past market crashes in 2001 and 2008, the episode unfolds the significance of maintaining a balanced strategy that’s prepared for any market shifts.
Terry Wheeler is on a mission to provide young people with the financial education they often lack in school.
Growing up in a blue-collar family, he witnessed firsthand how hard work alone wasn’t enough to build wealth. His journey from struggling with debt after college to successfully leveraging investments to pay it off has shaped his passion for teaching others.
Through his program, Financial Foundations, Terry aims to teach financial fundamentals to a wide audience, from young teens to adults who never learned these essential skills. In this episode, he highlights how the program covers topics like saving early, compound interest, and investing.
Highlights include:
The importance of financial education for young people [00:01:00]
Basics of saving, investing, and understanding debt [00:03:40]
Plans to bring financial lessons to schools and families [00:06:02]
Foundational concepts and advanced applications in wealth building [00:08:19]
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)
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]
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 trends will shape your financial decisions in 2025?
Terry Wheeler reflects on the surprising twists of 2024 and anticipates the challenges and opportunities of the coming year. He touches on key movements in stocks, the unexpected rise of crypto, and the critical shifts in real estate and federal debt.
Terry discusses:
Market surprises and the importance of defense [00:00:41]
The rising impact of cryptocurrencies [00:02:44]
Key trends and financial strategies for 2025 [00:03:52]
The growing communication shift away from mainstream media [00:06:08]
Federal debt dilemmas and their implications [00:10:05]
Real estate price surges and potential market corrections [00:13:20]
The importance of downside protection and diversified investments [00:19:38]
Roth conversions and tax strategies for the future [00:26:36]
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.
How To Protect Your Loved Ones: Estate Planning Essentials (Ep. 11)
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
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.
Can I Depend on Social Security for My Retirement? (Ep. 8)
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
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.
Fact or Fear? The Real Costs of Long-Term Care (Ep.7)
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
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.
Income Is King – Bonds & Beyond with Matt Williams (Ep. 6)
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
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.
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.
Why Longevity MATTERS In Building Your Financial Plans For Retirement (Your Money SHOULD OutLive You) (Ep. 3)
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
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.
