Capstone Planning helps individuals create retirement strategies to help you live well in retirement. using a variety of investment and insurance products to custom suit their needs and objectives. Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Any comments regarding safety and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Insurance and Annuity product guarantees are subject to the claims-paying ability of the issuing company. No legal advice, options or recommendations are being made in respect to this proposal. You should consult your tax professional or attorney concerning such advice and opinions.
Keith Wilfong of Capstone Planning is back talking about the family-oriented approach of Capstone Planning and the different areas of expertise within the company. Keith talks about the future solvency of Social Security and the potential levers that can be pulled to extend its solvency. The importance of proper retirement planning and the optimal age to start taking Social Security benefits is also discussed. He also delves into the different types of annuities that can help protect retireme...
12 Sept 2024
Your Plan Should Cover It All In Retirement
Keith Wiltfong of Capstone Planning discusses the importance of a 360 retirement plan that covers all aspects of a person's financial life. He emphasizes the need for comprehensive financial planning that includes taxes, investments, insurance, and estate planning. Wilkwong also highlights the significance of risk management and diversification in retirement portfolios. He stresses the importance of having a plan in place for various life events, such as the death of a spouse or unexpected he...
5 Sept 2024
RMD's, Diversification and Family
Keith Wiltfong of Capstone Planning discusses the importance of treating clients like family and providing ongoing support and expertise. Keith also highlights the significance of required minimum distributions (RMDs) and the importance of diversifying income sources in retirement. The conversation concludes with a discussion on the personal motivations behind Keith's career choice and the impact of financial planning on families.
29 Aug 2024
360 Retirement Planning and Tax Planning vs. Tax Preparation
n this episode of the Make Life Happen podcast, host Paul Gebhardt talks with Keith Wiltfong of Capstone Planning about topics such as the expansion of Capstone Planning's new office, the holistic approach of 360 retirement planning, the importance of stress testing retirement plans, the value of working with a fiduciary, and the benefits of tax planning versus tax preparation. They also cover the significance of life insurance, the impact of the Secure Act on required minimum distributions (...
22 Aug 2024
Diversification, IRA's and Timing Your Social Security
Keith Wiltfong of Capstone Planning shares stories of the impact of investment decisions on people's lives, highlighting the importance of diversification and avoiding concentrated positions. He also addresses viewer questions about exchange-traded funds, rolling over a Simple IRA to a Roth IRA, and the timing of retirement in relation to Social Security benefits. Keith explains the benefits of cash value life insurance and provides insights on debt strategies and required minimum distributions.
13 Aug 2024
Why Stress Testing Your Retirement Plan Is Important
In this episode, Keith Wiltfong talks about the importance of family in their financial planning business and the impact they can make in people's lives. He emphasizes the need for stress testing financial plans to prepare for unexpected events such as the loss of a spouse or a market downturn. He also encourages small business owners to have a comprehensive plan in place to navigate challenges and ensure their businesses survive. Keith offers a complimentary stress test of financial plans fo...
5 Aug 2024
Your Social Security, Taxes & Long Term Care
Keith Wilfong discusses the importance of fiduciary standards in financial advising and the difference between suitability and fiduciary standards. He also emphasizes the need for individuals to ask their current advisors about their fiduciary level of care. Keith offers a complimentary stress test of financial plans to ensure preparedness for various scenarios. He also discusses the significance of Social Security timing and taxation, as well as the benefits and misconceptions surrounding annuities. Keith also highlights the importance of planning for long-term care and offers services for small business owners, including 401(k) plans and succession planning.
29 Jul 2024
The Importance Of A Fiduciary In Your Retirement Planning
Keith Wolffong of Capstone Planning shares the story of how his family's financial planning practice started and discusses the importance of being a fiduciary. He emphasizes the need for a comprehensive financial plan that takes into account individual goals and removes financial guardrails. Keith also talks about the best time to retire and the importance of a first consultation to understand a client's financial situation and goals. He offers a free stress test for the first 10 callers to his firm. Keith discusses strategies for tax efficiency, Social Security planning, and long-term care and life insurance. He highlights the importance of estate planning and beneficiary reviews.
4 Jun 2024
Meet Capstone Planning - Investments, Retirement Planning and More
In this episode of the Make Life Happen podcast, host Keith Wiltfong discusses his book 'Make Life Happen: Your Guide to the Better Retirement Journey'. He explains that the retirement journey is about defining what retirement looks like and connecting the dots to achieve those objectives. He also addresses common questions about Social Security, including when to take benefits, how working affects benefits, and the potential reduction of benefits in the future.
00:00 Introduction to Retirement Planning and Make Life Happen Book
00:51 Keith Wiltfong's Book "Make Life Happen: Your Guide To The Better Retirement Journey"
05:49 Social Security Pop Quiz
22:17 Wrap up and contact information
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