Are there some important financial questions and considerations that you've overlooked? On this show, we want to come alongside your financial and retirement journey to help you answer those questions and experience financial success.
Dave Elizondo and Drue Kampmann are Co-Founders of True Financial Partners, serving the Quad Cities. Their goal is to provide you with great information and education to help you retire with security and comfort.
As you get closer to retirement, the money choices you make become more and more critical. So make sure you're getting proper guidance and help along the way. On the Wealthy Habits Podcast, we'll cover things like social security, taxes, income planning, investments and so much more.
Reach out if you have any questions at https://www.truefinancialpartners.com/ or by calling 563-359-8783.
Poetic Planning: Haikus To Guide Couples Through Retirement
Spouses plan as one. Retirement paths may blur. Clear the way, find peace… Yes, that’s a haiku. In today’s episode, we’re going to help couples get on the same page in their retirement plans with the serenity of poetry.
Each haiku contains helpful bits of financial wisdom that will address some of the common ways couples mess up their retirement futures. Dave and Drue will decipher each haiku and explain the nuggets of wisdom that you can pull from each one.
Here’s some of what we discuss in this episode:
The decisions that need to be made around your pension and why you need to be on the same page as your spouse.
Each person's claiming age, work history, and other factors can affect the couple's total benefits, and different strategies may be more advantageous depending on the couple's specific circumstances.
When couples fail to talk about what they want to do in retirement, they may find that their expectations and desires for this period of their lives are not aligned.
When couples don’t manage risk collaboratively, one spouse might be overly anxious about their financial future while the other could feel too restrained if a conservative approach is taken.
Contact Dave and Drue:
Web: https://www.truefinancialpartners.com/
Email: info@truefp.biz
Phone: 877-359-8783
21 Dec 2023
Patience Pays: The Power of Delayed Gratification
Sometimes it’s hard to make financial sacrifices when the reward might not be seen until several years in the future, but that’s a core principle in retirement planning. Many of the decisions you make during the planning process and the strategies you implement are done to put you in a better position when retirement rolls around. Today we'll talk about some of the situations shwere you might be inclined to take the immediate benefit, when you should really consider the delayed rewards.
Here’s some of what we discuss in this episode:
Contributing to your 401k every month is one of the easiest ways to save for retirement.
Why paying taxes now might benefit you much more than paying them when you pull money out of your 401k in retirement.
Pulling money out of your emergency fund for another purpose can cause problems when unforeseen expenses pop up.
Regular health check-ups and preventative care could help you avoid severe issues and high medical costs.
Contact Dave and Drue:
Web: https://www.truefinancialpartners.com/
Email: info@truefp.biz
Phone: 877-359-8783
14 Dec 2023
Why Are Interest Rates Up?
In this episode, we want to provide an overview of interest rates for those who aren’t quite sure why they move the way they do. It’s a question we get a lot from people, especially with inflation up and interest rates more than doubling over the course of a year. Dave and Drue will explain the Fed’s actions and help you better understand how investing strategies change in a high interest rate environment.
Here’s some of what we discuss in this episode:
Why the Fed has adjusted the rates so significantly in the last two years?
How do they determine when to lower rates again?
How does inflation fit into this conversation?
What does it mean for individuals if rates start dropping again?
The connection between interest rates and stocks and bonds.
How do we work with clients on investment strategies as interest rates change?
Contact Dave and Drue:
Web: https://www.truefinancialpartners.com/
Email: info@truefp.biz
Phone: 877-359-8783
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