Exit Coach Radio

Mike Burleigh - Don’t Count on Inheritances to Save Your Retirement

Expecting mom and dad to help fund your retirement by leaving you an inheritance? Don’t count on it.

That’s one of the messages behind a new survey by HSBC Holdings PLC, the London-based parent of HSBC Bank USA.

According to the survey, 23% of pre-retirees would ideally like to spend all of their savings and let their children fend for themselves. In contrast, a mere 9% say they want to save “as much money as possible to pass on to the next generation.”

What’s behind the 14-point gap between those who want to spend it all and those who want to give as much as possible to younger generations? Several things. Many worry that by giving money to their children they will “take away the drive of the next generation to succeed,” says Brian Schwartz, an HSBC wealth adviser. Still, others anticipate that due to improvements in longevity, they may spend much of their savings along the way.

For many, though, the “spend it all” mentality doesn’t necessarily equate to a desire to spend it all on themselves. Mr. Schwartz says many people in or approaching retirement are interested in or practicing a “new approach” to estate planning that emphasizes giving away some money to the next generation while they are still alive. For some, the appeal is that they will get to see their children and grandchildren enjoy and benefit from their largesse. For others, it’s a way of testing the impact an inheritance will have on their progeny — in order to make adjustments if necessary. Still, others want to give their money away while alive for tax reasons.

“There is already talk in Washington about reducing the estate tax exemption to the levels that were in effect in 2009,” says Mr. Schwartz. Currently, individuals can transfer $5.43 million tax-free at death. A return to 2009’s level would mean the limit would revert to $3.5 million. “People recognize that estate taxes may go up” in the future, making it more palatable to give assets away now, he says.

The survey of 1000 Americans — 21% of them retirees — was part of a global survey of 16,000 people in 15 countries.

While the new approach to inheritance makes a certain amount of sense, it nonetheless comes with risks. In particular, giving away money before death now can leave you at greater risk for not having enough in later life.

The best plan, financial advisers say, is for families to talk — if only to establish realistic expectations.

Not surprisingly, many families are loath to discuss these issues. Adult children, in particular, aren’t eager to ask their parents about inheritances for fear of coming across as greedy.

Still, the survey indicates that working Americans have high hopes for inheritances — perhaps too high, according to Mr. Schwartz. According to the survey, almost half expect to receive an inheritance. Among them, nearly 20% are banking on an inheritance to completely or largely fund their retirements, while half say they expect to receive enough to provide them with some support in their later years.

While some may have good reason for their expectations, many others are likely to find that they won’t be getting nearly as much as they had hoped, says Mr. Schwartz.

In an era of low interest rates, volatile financial markets, expanding longevity, and rising costs for health and long-term care, parents may find that they need every penny for themselves. Indeed, thanks to medical gains, a 65-year-old man has a 60% chance of living to age 80 and a 40% chance of reaching 85. For women, the odds are 71% and 53%, respectively. All of this has made the 85-and-over age bracket the fastest-growing segment of the population.

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Matt Evans - How Technology is Making the Planning Process More Engaging, More Accurate and More Fun.

Matt has been an early adopter of financial planning technology that allows clients to gain better clarity and organization around their entire financial world.

Questions Answered: 

1. How is technology changing how financial planning is done today?

2. Business owners can have multiple things going on - various assets, liabilities, business vs. personal goals, etc.

Have you seen technology make planning for business owners more effective? How?

3. Advisors talk about asset allocation, but one of the things you talk about is asset location. Talk a little about that.

Contact Info: 

Website: www.barthfinancialadvisorsllc.com
Email: matt@barthfinancialadvisorsllc.com

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Marlo van Oorschot - Age 65 Has Implications When it Comes to Divorce Court

In this 1 minute highlight, Marlo Van Oorschot, Attorney at Law of Law Offices of Marlo Van Oorschot, APLC discusses the impact of reaching age 65 when it comes to divorce proceedings.

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Marlo van Oorschot - How To Survive Grey Divorce

In this 1 minute highlight, Marlo Van Oorschot, Attorney at Law of Law Offices of Marlo Van Oorschot, APLC discusses why she wrote her book How To Survive Grey Divorce.

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Tim Voorhees - The Four Elements of Successful Planning

In this 1 minute highlight, Tim Voorhees, Managing Partner of Matsen Voorhees Law Offices discusses the four elements of successful planning.

Transcript: 

Tim: When you look at the elements of tax planning, you'll see there are four main ingredients. First is charitable planning. You get the income tax deductions, the tax-free growth, et cetera. Second is discounting, where when you move assets from one trust to another, you can often compress the value, what we call a squeeze and a freeze, or a squeeze and a freeze by Voorhees. Third, you have low-interest loans which work really well in the current low-interest environment. And then fourth is life-insurance. I put life insurance up there as one of the top four vehicles for efficient tax planning. In particular, what happens is, if you fund insurance correctly, you can do it very tax efficiently in the front end, the money grows tax-free and the money comes out tax-free. And that way, we find that the insurance is a key component of a lot of these advanced strategies. 

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P. Christopher Music - Managing Income Streams

P. Christopher Music works with private practice professionals all across the US and trains them on personal wealth creation and protection through maximizing practice value and effective financial planning.

Questions Asked: 

1) How can I increase practice income?

2) How can I create a guaranteed income stream independent of my practice

3) What is the importance of paying off debt?

Contact Info: 

Website: www.pchristophermusic.com

Email: christopher@econologics.com

Bonus Material: 

Practice Transition Readiness Assessment

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Jeff Small - Millennials are Scared to Invest

Having presented over five hundred public seminars educating the local retirement and pre-retirement community on a range of monetary issues, Mr. R. Jeffrey Small, grew up in Brevard County and has been working with retirees and their families for almost 30 years. A.R.B.O.R., Assisting Retirees Beyond Ordinary Results, is not just an appropriate acronym for his rising firm but rather an economic philosophy based on years of industry & market experience. Jeffrey, dedicated to providing his clients and the public with an array of diverse financial products and services, is licensed with the Florida Department of Financial Services, a Certified Senior Advisor through the Society of Certified Senior Advisors and recently completed the requirements to become an Investment Advisor Representative. Both he and Arbor Financial are also members in good standing of the Central Florida Better Business Bureau and The National Ethics Association.

Questions Answered: 

1) Why are Millennials scared to invest?

2) What should Millennials do to start investing now?

3) Who should the Millennials work with on investments?

4) What should the parents of Millennials be telling these kids about investing?

Contact Info: 

Website: www.arbor-financial.com

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Kaaren Hall - You Don't Have To Limit Your IRA Investments

Kaaren Hall and her uDirect IRA Services have helped thousands of Americans invest their IRA outside of the stock market and into real estate, land. private notes and more to improve their financial future. A very interesting interview!

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Duncan Rolph - Replicating Your Cash Flow

Duncan Rolph is the Managing Director of Miracle Mile Advisors. Miracle Mile Advisors is an independent, SEC Registered Investment Advisory firm. They specialize in providing sophisticated financial plans using portfolios with low cost index funds and ETFs. As one of the fastest growing firms in the country, Miracle Mile's partners have an average of over 15 years of proven experience working with high net worth families. Duncan will be discussing the topic of how business owners can replace the cash flow from a profitable business after selling the business.

Questions Answered: 

1) With retirement income in mind, what are some things you can do before bringing your company to market? 

2) What are some of the structures available that give you flexibility on how you manage income?

3) How should a seller hold these assets to avoid a big tax hit?

Contact Info: 

Website: www.miraclemileadvisors.com

Email: drolph@miraclemileadvisors.com

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Sandy Lowengart - The Drop In Oil Prices and What it Means for Other Asset Classes

Bill Black interviews Sandy Lowengart who discusses current events and their impact on financial planning.

Our Exit Coach Network features several other Shows on a variety of topics. Go to www.ExitCoachRadio.com and click on "Exit Coach Network" under the "LISTEN" section.

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Kirk Ashburn - Why Gold Could Keep Crashing

A financial professional since 2002, and a business owner and entrepreneur for the 10 years prior, I have the experience with a vast array of issues, from the simple to the complex. My team and I have credentials including securities licenses, insurance licenses and finance, business and law degrees.

Kirk has been in the financial services/ securities industry 13years.

 

Kirk is a student of the economy and the history and events behind the creation of our current economy. I have studied cycles and the history of how the economy grows and why it crashes. I have done a lot of work and study in the gold and silver markets.

His experience and training enables him to provide the services clients need to grow and protect their savings, and establish an income stream for life. His services range from retirement-income and safe money planning to wealth preservation and transfer to Social Security maximization. Kirk's team also includes a dedicated CPA for all tax and business related issues and an attorney for all estate planning needs. I have also added a college planning expert to give you the strategies that will save you thousands of dollars on tuition, if you qualify.  My dedication to helping clients prosper has resulted in a loyal, growing clientele.

“My mission is to help American families change the way they save and invest so that they have control of their money, independence and financial freedom.”

Away from work, I enjoy being a proud father of eight children and husband to the greatest woman on earth. I love reading about economic, military and world history and being a constant student in this ever changing world we live. 

This Why Gold Could KeepCrashing

Gold is in a false setting at this point due to more than one reason. It will rise out of the ashes. The first reason is that people believe that the dollar is strong and the economy is improving. I see another recession. And we see people still heading to market even though we are at all time highs. As we have seen 1999, 2006 and 07, the herd usually wants to get in at the most comfortable spot. 
I see a major crash coming and Greece was just the beginning. Greece was given a bandaid. And the bandaid was like the cheapest bandaid you could buy and it was wet. So as you know when it is wet it wont stick.
So I see the writing on the wall and we should start hedging against the market and start buying gold, have more cash and move to safety. I will go one step further and say have a little extra food in the pantry.
Silver on the other hand probably wont rise with gold as much as it did the last time. I see silver pegged to production and growth and quite frankly I don't see growth. 
I don't want to be doom and gloom. But all i can say is be prepared for the worst. 
The pundits have sold their lies for so long that they believe their own words.
We have been sitting at the poker table too long it is time to take your winnings and run. Buy gold, food and put a little cash under the mattress.

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John Grace - Be More Diversified Than Ever

Here's a past highlight from one of our Guests. Find their full interview at www.ExitCoachRadio.com -- just click "Audio Library" in the "LISTEN" section and enter their name to hear all of their past interviews!

Transcript: 

John: There's nowhere to hide, there's no sure bet. And we're suggesting for those who can't afford, you know, "we're preparing to retire, I'm gonna start taking money out," they have to understand that they cannot afford a 50 to a 90% decline. So, what can we do? We're suggesting that we be more diversified than ever before. Most of us cut our teeth on mutual funds. What the mutual fund industry has taught us, the best way to invest is through a mutual fund, and when we look at the mutual funds, no matter how many you count, there are really only three categories: it's cash, it's bonds, and it's stocks. That's it! Well, the hedge to stocks is commodities. How much exposure do you have to commodities in your mutual funds? None. So, if you have real exposure to commodities, that's now a fourth leg underneath your stool, right? The natural hedge to bonds would be real estate investment trusts, business development corporations, where the yields are very predictable. That would now be the fifth leg underneath your stool. And then the natural hedge to the US dollar, for those who travel, certainly understand foreign currencies, and that would be a sixth leg underneath your stool of life savings. Insurance or annuities might be a seventh leg, but now we have seven legs underneath your stool. Certainly, we would all agree that seven legs under anything is more stable than one, two, or three. 

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Al Caicedo - All About 401Ks

Al Caicedo is President and Owner of CKS Summit Group, founded in 1996.Al’s focus and objective is to help ensure his clients are able to enjoy their lifestyle beyond the workplace and into their retirement years. He educates and enables them to come to understand, for themselves, the financial path they should follow. He has spent twenty years helping clients protect and preserve their assets. His safe money strategies helped clients save millions of dollars during the latest market collapse. Al is an asset preservation consultant and transitional planning specialist. The goals and objectives of a transitional client are more geared toward safety and risk elimination, peace of mind, developing income options and tax savings strategies, avoiding probate, and reducing or eliminating the potential for loss to a nursing home. CKS Summit Group is committed to act in the best personal and financial interest of our clients.An aging America, combined with the precarious state of Medicare and Social Security, have created a need for comprehensive retirement management that goes beyond the ability of general financial counselors. His practice focuses on addressing the distinctive financial needs of those nearing retirement and those who are already retired.

Questions Answered:

 

1. Is any of my money at risk when the 401k plan closes?

2. What alternatives do workers have with their 401k when the company shuts down? 

3.If my company company shuts down the 401k plan do I owe any taxes?

4. What if I have taken a loan from my 401k?

Contact Info:

Website: http://ckssummit.fixedincomecounsel.com

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Rick MacBarron - Create Your Financial Future

Rick works with the owners of successful closely held businesses, as well as other high net worth individuals and families. His clients achieve a sense of confidence because together they create a comprehensive financial plan based on their goals and objectives which assures them that taxes, expenses and creditor risks are minimized, that the desired succession plan for their business is in place, that their investment portfolio is positioned for optimal performance, and that they will leave a legacy that is both significant and meaningful.

Contact Info: 

Website: www.rickmacbarron.com

Email: rickmacbarron@ifg.com

Michael Eastham - Moving from Stocks to Asset Allocation

Michael Eastham is the founding principal of Fellowship Financial Group in Altamonte Springs, Florida. Mr. Eastham has been involved in financial services for over twenty five years. He is an active member of the American Institute of CPA's and has earned their Personal Financial Specialist (PFS) designation.

Questions Answered: 

1) How much money should be in an investment portfolio? 

2) How do I get cash from stocks that have outperformed? 

3) How can I review and rebalance my asset allocation strategy? 

Contact Info: 

Website: http://fellowshipfinancial.fixedincomecounsel.com

Email: http://fellowshipfinancial.fixedincomecounsel.com/contact-us/

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Exit Coach 20M Interview: Investing 101 - Kris De La Pena

Host: Bill Black. Kris De La Pena discusses retirement, purchasing power, and the importance of hedging your portfolio with the rising cost of living. Audio library: www.ExitCoachRadio.com. New content daily - check back often! 

David Scranton - Sound Income Strategies

Bill Black, Host of the Exit Coach Radio Show, conducts this interview.

Guest; David Scranton, CEO and Founder of "Sound Income Strategies"
Sound Income Strategies was founded as a Registered Investment Advisory firm by David Scranton (CLU, ChFC, CFP®, CFA, MSFS) and is fully licensed and accredited by the U.S. Securities and Exchange Commission. With a central office in New York City, Sound Income Strategies serves clients nationwide, and is comprised of a team of investment management specialists with advanced training, expertise and experience with income based investment strategies.

Questions discussed:

1) Are you concerned about the effect on bonds that a rise in interest rates could cause?
2) What do you see interest rates doing in 2015?
3) How could the stock market be affected this year?

Contact David at www.soundincomestrategies.com

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John Dade - Why Managed Futures....And Why NOW

John Dade discusses his experience with alternative investments such as managed futures.

Know Your Business, Grow Your Business - Chris St. Germain

Host: Buck Blanton. Audio library: www.ExitCoachRadio.com. 

Chris St. Germain discusses company roles, performance indicators, and business growth. 

New content daily - tune in on iTunes!

Holding On to Your Stocks - Amin Rajan

Host: Buck Blanton. Audio library: www.ExitCoachRadio.com. 

Amin Rajan discusses investment options, market power, and how it pays to hold on to your stocks. 

New content daily - tune in on iTunes!

Which Audit is Right for You? - John Howard

Host: Buck Blanton. Audio library: www.ExitCoachRadio.com. 

John Howard discusses retirement plans, choosing audits, and how you can determine which process is right for your business. 

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Financial Media and Customer Relations - Danny Fontana

Host: Bill Black Audio Library: www.ExitCoachRadio.com 

Danny Fontana discusses the importance of the relationship between financial advisor and client, and how the financial media can skew that role. 

Listen to our advisor archive on iTunes! 

How to Successfully Crowdfund - Sandro Monetti

Host: Bill Black. Audio library: www.ExitCoachRadio.com. 

Sandro Monetti discusses the opportunity involved in crowd funding and the best strategies to be successful at it. 

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Exit Coach 20M Interview: The Importance of Clean and Current Books - Annette Fadness

Host: Bill Black. Annette is a seasoned bookkeeper and QuickBooks consultant who helps small business owners get the most out of their QuickBooks software Audio library: www.ExitCoachRadio.com. New content daily - check back often!

Retirement Matters 20M Interview: Working With Your TPA - Laura Carnes

Host: Buck Blanton. Laura Carnes runs a local TPA firm, Black Creek Retirement Plans, Inc. and is here to discuss what a TPA does and how they can make your IRS-qualified retirement plan work for you.
Audio library: www.ExitCoachRadio.com. New content daily - check back often!

Six Retirement Mistakes - Kris De La Pena

Kris discusses common planning mistakes made while planning for retirement.

Ultimate Business Owner 20M: The Importance of Periodic Reviews and Second Opinions - Gregory Freeman

Steve Beatty's guest shares tips & ideas for age 50+ business owners. New content daily - check back often!

Exit Coach 20M Interview: What to expect from your Chief Financial Officer in Tomorrow's World of Business? - Judith Fischer

Bill Black's guest shares tips & ideas for age 50+ business owners. New content daily - check back often!

Ultimate Business Owner 20M Interview: The Benefits of Taking the Large Risk - Mary McElhattan

Steve Beatty interviews Mary McElhattan who shares tips, ideas and precautions in the area of risk taking. We upload new content daily so check back often!

Exit Coach 20M Interview: The Importance of Trusted Advisors - Mark Flenniken

Bill Black interviews Mark Flenniken who shares tips, ideas and precautions in the area of having a trusted advisor. We upload new content daily so check back often!

Retirement Matters 20M Interview: Responsibility and Retirement Plans - Don Trone

Buck Blanton interviews Don Trone who shares his thoughts on responsibility and retirement plans. We upload new content daily so check back often!

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Bill Black interviews Ken Boyd of St. Louis Test Prep regarding common accounting and investment misperceptions among business owners.

We upload new content daily so check back often!

 

Exit Coach HIGHLIGHT (1m) Ilya Kuntsevich

A 1 minute excerpt from a recent interview. Hear the full interview by entering the Guest's name into our search index at www.ExitCoachRadio.com. We upload new content daily so check back often!

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Stephen Rischall of 1080 Financial Group describes his firm's method for working with multiple generations of families to create a comprehensive wealth strategy.

We upload new content daily, so please check back often!

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Chris Miles discusses several income strategies for you to consider.

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Include Plans for Disability Risks in Your Estate Plan (1m) Michael Wittick

Mike Wittick, President - Michael J Wittick, a Prof. Law Corp,  discusses the need to plan for more than just your death when you discuss your Estate Plan.

We add new content daily! Listen on iTunes: iTunes.ExitcoachRadio.com . See the Index for more on this Topic or by this Guest .

Start Your Plan With The End Goal In Mind (1m) Jim Brubaker

Jim Brubaker, discusses the need to know your Financial Target when your start your Exit Plan.

We add new content daily! Listen on iTunes: iTunes.ExitcoachRadio.com . See the Index for more on this Topic or by this Guest .

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Michael Wittick, President - Michael J Wittick, a Prof. Law Corp,  discusses the importance of working with a team of specialists in the many disciplines involved in Estate & Business Planning.

We add new content daily!

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Dan Evertsz of College Money Pros knows his stuff and talks about how and when to prepare, how to find financial aid and how to convince your child to get their head in the game.

We upload new content several times daily so check back often!

(20m) Veronica Saldivar - Your Financial Future From 5,000 Feet

Veronica Saldivar helps people view their financial futures with an eye on creating income and cash flow that will last a lifetime. In this interview she discusses some of the strategies she employs to help achieve this goal. Veronica is also hosting a webinar that is free to attend on April 17 at 12:00 Pacific Time. To register, visit www.veronicasaldivar.com/webinar

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(18m) Bill Black - Common Knowledge from Our First 100 Advisor Interviews

Bill Black takes the mic for the 100th Episode of The Exit Coach Radio Show to describe common knowledge from our first 100 Advisor interviews.

We add new content daily! Listen on iTunes: iTunes.ExitcoachRadio.com . See the Index for more on this Topic or by this Guest .
Host: Bill Black, The Exit Coach Radio Show - the Information Station for age 50+ business owners. 

Click for FREE E-book "100 Words from 20 Advisors"

How Ready Is Your Business for Transfer or Sale?
Click for FREE Assessment Report

"Come Listen for a Minute"!