Category: Retirement

FEATURE
Mid-Year Outlook On The Economy (Ep.12)

Mid-Year Outlook On The Economy (Ep.12)

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It certainly has been a bumpy ride over the past few months. But after some forecast analyses, are we finally going to see some improvements to the economy or do we have to keep our seat belts fastened as it drops even further?

In this episode, Austyn Whittenburg gives you a midyear outlook and what to expect the next six months to look like as it relates to the stock market and the economy.

Austyn discusses:

  • The forecast for the next six months relating to the economy and stocks
  • New opportunities with the current markets
  • How midterm elections can affect the stock market 
  • Is a recession really happening
  • And more

Resources:

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Publishing Tags: 

Content in this material is for general information only and not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly.

The economic forecasts set forth in this material may not develop as predicted and there can be no guarantee that strategies mentioned will be successful.

All investing involves risk including loss of principal. No strategy assures success or protects against loss.

Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds are subject to availability and change in price.



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FEATURE
How to Provide Value to Your Clients With Colleen Bowler (Ep.11)

How to Provide Value to Your Clients With Colleen Bowler (Ep.11)

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Money is indeed important, but when it comes to financial advisors and wealth planners, they cannot discuss only about investments. In fact, this can be detrimental.

In this episode of Wealth of Insight, Colleen Bowler, co-founder of C&J Innovations and the developer of a passport package tool, talks with Austyn Whittenburg. They detail the importance of creating value ​​for clients to build stronger relationships.

Colleen discusses:

  • The fundamental mindsets to know more about your clients’ life
  • Why only talking about investments can be unfavorable
  • How passports reveal uncovered opportunities for clients
  • How crucial it is to understand your client’s fears
  • And more

Resources: 

Connect with Austyn Whittenburg:

Connect with Colleen Bowler:

About Our Guest:

As Certified Financial Planner, Colleen Bowler spent over 25 years building and growing her firm, Strategic Wealth Partners, into a premier Texas financial planning firm with hundreds of individuals and families “under our care.” Along the way, she received many industry awards and was featured in the book, Women at the Top by Arthea Reed and Diane Dixon. In addition, Colleen has served as a coach with the Strategic Coach Program since 2003, all while raising a son as a single mom, co-authoring a book, Generous Kids, and making time for her blended and extended family, friends, and a variety of non-profits.

In 2020, Colleen founded C&J Innovations with Jeanne Hurlbert, PhD, who brings expertise in assessments and surveys. Colleen and Jeanne combined their unique expertise to create a female-led company that gives financial professionals tools to bring increased value for prospects, clients, and advisors by expanding client and prospect conversations.

Colleen Bowler, Strategic Wealth Partners, and C&J Innovations are not affiliated with or endorsed by Whittenburg Wealth Management and LPL Financial.

The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision.



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FEATURE
Questions You Should Be Asking Your Financial Advisor (Ep.10)

Questions You Should Be Asking Your Financial Advisor (Ep.10)

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How can you ensure that you have found the right financial advisor to fit your needs?

In this episode, Austyn Whittenburg explains what questions he thinks you should be asking your financial advisor. He also highlights why it is important to understand the value they are bringing with their advice to have a successful relationship with your advisor.

Austyn discusses:

  • The best questions to ask to get to know your financial advisor
  • Why it is important to know your financial advisor
  • What a financial advisor looks for in you
  • Why you can end up leaving your advisors for a new one
  • And more

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FEATURE
Positioning in the Bond Market with Scott Tallman (Ep. 9)

Positioning in the Bond Market with Scott Tallman (Ep. 9)

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With bonds in a laddered format, there is an opportunity to potentially increase your income stream with each passing year.

In this episode, Austyn Whittenburg talks with Scott Tallman, vice president at Belle Haven Investments. He shares how he is helping position people in the bond market and how the bond ladder impacts decision-making for bidding directly on bonds.

Scott discusses:

  • Two different ways to own a bond when investing
  • How he makes decisions on behalf of clients
  • How a bond ladder works
  • Where bonds have the potential to shine
  • And more

Connect with Austyn Whittenburg:

Connect with Scott Tallman:

About Our Guest:

Scott Tallman is the vice president at Belle Haven Investments, an independent, boutique fixed income manager. The firm specializes in building separately managed taxable and tax-exempt portfolios. Belle Haven has been managing portfolios since 2002. We are uniquely committed to serving consultants and advisors along with the institutions, foundations, family offices and high net worth individuals whom they represent. Our team’s expertise and focus in one asset class have resulted in award-winning strategies. Our goal is to provide an unrivaled level of service, reliability and customization to our advisors in building what we hope are partnerships for years to come.

Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as

interest rates rise and bonds are subject to availability and change in price. Bond yields are subject to change. Certain call or special redemption features may exist which could impact yield. Municipal bonds are subject to availability and change in price. They are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise. Interest income may be

subject to the alternative minimum tax. Municipal bonds are federally tax-free but other state and local taxes may apply. If sold prior to maturity, capital gains tax could apply. There is no assurance that these techniques are suitable for all investors or will yield positive outcomes. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. Alpha measures the difference between a portfolio’s actual returns and its expected performance, given its level of risk as measured by Beta. A positive (negative) Alpha indicates the portfolio has performed better (worse) than its Beta would predict. Beta measures a portfolio’s volatility relative to its benchmark. A Beta greater than 1 suggests the portfolio has historically been more volatile than its benchmark. A Beta less than 1 suggest the portfolio has historically been less volatile than its benchmark.



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FEATURE
Creating Wealth Through Home Ownership With Broch Lassig (Ep.8)

Creating Wealth Through Home Ownership With Broch Lassig (Ep.8)

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Are you worried that you may never be able to own your own house in your lifetime?

With housing prices continuing to rise and the demand for houses growing even more, it may seem impossible to find the right time to purchase your first home.

In this episode, Austyn Whittenburg talks with Broch Lassig, from CrossCountry Mortgage™, who has been ranked in the top 1% of loan officers in the country by Mortgage Executive Magazine. Broch shares some useful strategies that can help you get closer to buying your first home and explains why you shouldn’t wait for the housing market bubble to pop.

Broch discusses:

  • If home prices are ever going to decrease
  • The growing demand for housing
  • The risks of purchasing a house compared to renting a house
  • Strategies to help purchase your first home
  • And more

Connect With Austyn Whittenburg:

Connect With Broch Lassig:

About Our Guest:

Mortgages are in his DNA. Broch Lassig was named to Housing Wire’s Rising Stars in 2018 and has been ranked in the top 1% of loan officers in the country by Mortgage Executive Magazine. He was fortunate to learn about home loans from his father, a mortgage industry veteran who taught him to be disciplined and efficient while providing a superior mortgage experience to my clients. He emphasizes communication, so you will never wonder what’s happening with your loan. When you do have questions, He is only a call or email away. 

—

Broch Lassig and CrossCountry Mortgage are not affiliated with or endorsed by Whitenburg Wealth Partners, Stratos Wealth Partners, or LPL Financial.

All performance referenced is historical and is no guarantee of future results. The economic forecasts set forth in this material may not develop as predicted and there can be no guarantee that strategies promoted will be successful.

Mortgage backed securities are subject to credit, default, prepayment, extension, market and interest rate risk.

Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds are subject to availability and change in price.

 

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FEATURE
Breaking Down The Mystery of Life Insurance With Andy Brim (Ep.7)

Breaking Down The Mystery of Life Insurance With Andy Brim (Ep.7)

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Many people will tell you that life insurance is just for when you die. But while there is more to it than that, life insurance can be daunting. 

In this episode, Austyn Whittenburg is joined by Andy Brim, regional sales vice president at Dixon Wells. He breaks down the mystery of life insurance to help you feel protected. He will share how you can start using life insurance to your advantage.

Andy discusses:

  • The different products of life insurance and its benefits
  • Why it’s important to talk with your financial advisor about your life insurance
  • How high net worth clients are utilizing their life insurance policy
  • Getting tax free benefits from your life insurance plan
  • And more

Connect With Austyn Whittenburg:

Connect With Andy Brim:

About Our Guest:

Andy Brim brings over 25 years of experience in multiple facets of financial services. His focus on advisor revenue growth strategies make him a valuable asset to the Dixon Wells team. Andy has extensive experience in life, annuity, and LTC sales. He is constantly working to help each advisor build sources of revenue and improve overall client service. Andy holds a Bachelor of Arts degree from The Ohio State University.

Andy Brim and Dixon Wells are not affiliated with or endorsed by Whittenburg Wealth Partners, Stratos Wealth Partners, or LPL Financial.

Any company names noted herein are for educational purposes only and not an indication of trading intent or a solicitation of their products or services. 

Guarantees are based on the claims paying ability of the issuing company.

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FEATURE
Tips for Navigating the Real Estate Market With Chase Carter (Ep.6)

Tips for Navigating the Real Estate Market With Chase Carter (Ep.6)

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You may keep hearing about how tight the real estate market is and how tough it can be to get the house you want.

In this episode, Austyn Whittenburg talks with Chase Carter, the founder of Chase Carter Real Estate. Chase shares his expertise on how to make an offer that sets you apart from other buyer competition. He discusses tips and tricks on how to buy a house and provides a little update on the housing market.

Chase discusses:

  • How he got into the real estate industry
  • Why inventory on housing is staying so low
  • Why it’s a great time to sell or upgrade your home
  • How first time home buyers can navigate the market 
  • And more

Resources:

Connect With Austyn Whittenberg:

Connect With Chase Carter:

About Our Guest:

Chase Carter has been in real estate for the past 5 years. He strives to give great customer service to every client he works with. When he isn’t selling homes, Chases loves to spend time with his wife Britt, and two daughters.

Chase Carter and Chase Carter Real Estate are not affiliated with or endorsed by Whittenburg Wealth Partners, Stratos Wealth Partners, or LPL Financial.

All performance referenced is historical and is no guarantee of future results.

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FEATURE
Is It Ever Too Late To Start Planning For Retirement? With Rick Gallacher (Ep.5)

Is It Ever Too Late To Start Planning For Retirement? With Rick Gallacher (Ep.5)

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It’s never too late to start planning for your retirement or is it?

In this episode, Austyn Whittenburg is joined by Rick Gallacher to discuss some strategies he uses when crafting financial plans with his clients. He also shares how he can work with you to potentially optimize your plan.

Austyn discusses:

  • Why you should start paying your bills automatically
  • How much money should be in your emergency savings
  • When is it considered too late to plan for retirement
  • Where you should consider keeping your money
  • And more

Resources:

Connect with Austyn Whittenburg:

Connect with Rick Gallacher:

About Our Guest:

Rick Gallacher has experience in the areas of financial modeling, asset allocation, investment selection, estate planning, personal risk management, holistic situation auditing and personal financial reporting. As a licensed CPA, he has proficiency in understanding and applying analysis to the overall economy, capital markets, corporate fundamentals, personal taxation and essential business law.

All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly.

Dollar cost averaging involves continuous investment in securities regardless of fluctuation in price levels of such securities. An investor should consider their ability to continue purchasing through fluctuating price levels. Such a plan does not assure a profit and does not protect against loss in declining markets.

 

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FEATURE
Saving on Taxes in 2022 With Darin Fullmer (Ep.4)

Saving on Taxes in 2022 With Darin Fullmer (Ep.4)

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Every year, tax rules and regulations are being updated. But you’d have to do some digging on the internet to find out and understand what is going on.

In this episode, Austyn Whittenburg is joined by guest Darin Fullmer, senior tax manager at Haynie & Company. Darin will bring you up to speed with his current knowledge of tax law and what you can do to help yourself save on taxes.

Darin discusses:

  • Tax ideas for 2022
  • Saving money on taxes while saving for the future
  • An update to the 401k limits and how business owners can use it to their advantage
  • The most under-utilized tax strategy
  • And more!

Connect with Austyn Whittenberg:

Connect with Darin Fullmer:

About Our Guest:

Darin Fullmer is a Certified Public Accountant specializing in corporate, partnership, and individual taxation; tax planning; and general business accounting and consulting. He also specializes in the design, installation, and administration of qualified retirement plans.

Disclosure:

Darin Fullmer and Haynie & Company are not affiliated with or endorsed by LPL Financial, Whittenburg Wealth Partners, and Stratos Wealth Partners.

A Roth IRA offers tax deferral on any earnings in the account. Qualified withdrawals of earnings from the account are tax-free. Withdrawals of earnings prior to age 59 ½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Limitations and restrictions may apply.

 

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FEATURE
The First Step to Your Successful Financial Future With Rick Gallacher (Ep.3)

The First Step to Your Successful Financial Future With Rick Gallacher (Ep.3)

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When it comes to achieving your financial goal, there are some risks that you have to take. As a financial advisor, we are here to help you understand the risks to get you to that financial goal that you have.

In this episode, Austyn Whittenburg, CFP® talks with Rick Gallacher, CFP® financial planning director and private wealth advisor at Whittenburg Wealth Partners. They share insights on what it means to be a financial planner and how it has allowed them to make an impact on many people’s lives. Find out how they can help impact yours too. 

Rick discusses:

  • People’s negative and positive relationships with money
  • How much should you risk within your investment portfolio
  • Special risk management resources used at Whittenburg Wealth for planning investments
  • How to stay invested in the markets without making emotional decisions
  • And more!

Resources: 

Connect with Austyn Whittenburg:

Connect with Rick Gallacher:

About Our Guest:

Rick Gallacher has experience in the areas of financial modeling, asset allocation, investment selection, estate planning, personal risk management, holistic situation auditing and personal financial reporting. As a licensed CPA, he has proficiency in understanding and applying analysis to the overall economy, capital markets, corporate fundamentals, personal taxation and essential business law.

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