Tag: Whittenburg Wealth Partners

FEATURE
Maximizing Your Healthcare Coverage: Insights on Medicare and Supplement Plans with David Burns (Ep.28)

Maximizing Your Healthcare Coverage: Insights on Medicare and Supplement Plans with David Burns (Ep.28)

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Join us for this week’s episode, where we welcome David Burns from Retirement Health Solutions to share his expert insights on Medicare. 

While Medicare is an essential program providing healthcare coverage to seniors, it’s important to be aware of its limitations.

During this episode, David will cover the various parts of Medicare, including A, B, C, and D, and provide valuable information on supplementing your healthcare and dental expenses coverage. Gain a better understanding of what is and isn’t covered under Medicare, and learn how to optimize your Medicare Supplement plan.

David discusses:

  • An overview of Medicare Parts A and B
  • Understanding Medicare Coverage: Inclusions and Limitations
  • Strategies to enhance the Medicare supplement plan benefits
  • Addressing dental costs beyond Medicare and the alternatives to consider
  • Additional insights on Medicare optimization
  • And more

Resources: 

Connect with David:

Connect with Austyn Whittenburg:

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Building Credit: Insights from a Mortgage Loan Originator with Troy Heidenreich (Ep.27)

Building Credit: Insights from a Mortgage Loan Originator with Troy Heidenreich (Ep.27)

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Your financial future is at stake, and a good credit score is essential in pursuing your goals. Whether it’s buying a home, starting a business, or investing in your future, a solid credit history is crucial. Don’t risk making common mistakes that can negatively impact your credit score and hurt your financial well-being.

In this episode, Austyn Whittenburg is joined by Troy Heidenreich, Mortgage Loan Originator at CrossCountry Mortgage, LLC. They talk about credits, how to build a good credit history, and the importance of building credit at an early age. Additionally, they debunk common credit score myths.

Austyn and Troy discuss:

  • How Troy got into the mortgage industry, and how his team at Cross Country Mortgage helps clients pursue their financial and real estate goals
  • What credit is, basic tips on building credit, and creating a good credit history for future loans
  • Credit score ranges (what is considered poor, good, and perfect), and how many years does it take to have accurate information about your credit history 
  • The factors that go into calculating credit scores
  • Tips for fixing or improving your credit situation and the importance of getting a “deletion letter”
  • The myth that pulling credit for a mortgage application will hurt your credit score
  • The importance of using a credit monitoring service to avoid identity theft 
  • And more!

Connect with Austyn Whittenburg:

Connect with Troy Heidenreich:

Troy Heindenreich and CrossCountry Mortgage are not affiliated with or endorsed by Whittenburg 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. 

 No strategy assures success or protects against loss.

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FEATURE
Most Common Mistakes In Financial Planning (Ep.26)

Most Common Mistakes In Financial Planning (Ep.26)

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For some people, their biggest regret when it comes to financial planning is not starting early enough. 

In this episode, Austyn Whittenburg covers the most common mistakes people make when financial planning and how to avoid them.

Austyn discusses:

  • Living beyond your means
  • Not taking advantage of employers’ 401k matching
  • Being uninsured on life insurance
  • The worry of not having an estate plan
  • The mistake of trying to time the market
  • And more

Resources: 

Connect With Austyn Whittenburg:

Whittenburg Wealth Partners and LPL Financial do not offer legal advice or services. This material contains only general descriptions and is not a solicitation to sell any insurance product or security, nor is it intended as any financial or tax advice. For information about specific insurance needs or situations, contact your insurance specialist. 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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Update About The Secure Act 2.0 With Rick Gallacher (Ep.25)

Update About The Secure Act 2.0 With Rick Gallacher (Ep.25)

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Congress has passed a few things that give people more opportunity to grow the amount of money they can put away and save for retirement. 

In this episode, Austyn Whittenburg talks with Rick Gallacher to discuss a high level overview of the Secure Act 2.0.

Rick discusses:

  • The changes to RMD’s
  • The impact to the QCD
  • You can now use Roth in a SEP
  • A list of what can happen in your life that will allow you to still access your retirement funds
  • Start up credits for small business owners
  • How the new provision works called ESA
  • And more

Resources:

Connect With Austyn Whittenburg:

Connect With Rick Gallacher:

About Our Guest:

Serving as both Financial Planning Director and Private Wealth Advisor, Rick 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.

Rick is a highly organized, analytical, and detail-oriented individual. He has learned through professional and personal experience that complete and accurate data is important to make appropriate decisions. He follows this concept: theorizing before one has data inevitably causes one to twist facts to suit theories instead of theories to suit fact.

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A Financial Forecast For 2023 (Ep.24)

A Financial Forecast For 2023 (Ep.24)

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You can potentially expect the economy to slow down even a little bit more in 2023, from what you’ve experienced in 2022. Specifically, if you’re looking at the global economy it might be around the 2% range.

But wouldn’t it be helpful to have a crystal ball that would tell you exactly what to expect in the new year?

In this episode, Austyn Whittenburg answers some of the common questions his clients are asking at this time of year and shares a 2023 outlook as it relates to the economy stock market.

Austyn discusses:

  • If the economy is headed in the direction of a recession
  • Why the rising interest rates are contributing to the slowing of the economy
  • The worst year for bonds and why a recovery is expected in the new year
  • And more

Connect With Austyn Whittenburg:

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The Flip Side Of Inflation With Nikko Denis (Ep.23)

The Flip Side Of Inflation With Nikko Denis (Ep.23)

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While most people are nervous about the cost of living due to inflation, there are some who look at the benefits of inflation on the markets and individual employment.

In this episode, Austyn Whittenburg speaks with Nikko Denis, branch manager at Intercap Lending, on the alternative implications of inflation. Nikko reveals how inflation has forced real estate sellers to compromise, why housing prices still haven’t dropped and what those concessions mean for the future real estate market.

Nikko discusses:

  • Where the real estate market currently sits due to inflation
  • How inflation impacts real estate pricing and mortgage rates
  • Why the current market remains a sellers market over a buyers market
  • The connection between rising inflation and unemployment numbers
  • And more

Connect With Austyn Whittenburg:

Connect With Nikko Denis:

About Our Guest:

At Intercap Lending, Nikko Denis is backed by in-house processing, underwriting and closing to guarantee a smooth and timely transaction. He works with first time home buyers all the way up to multi-million dollar clients and everything in between. Every client has different needs and in an ever changing market it’s difficult to know all of your options. Nikko prides himself in taking his client’s interest to heart and showing them all possible options for their situation now, and in the future.

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FEATURE
You Ask, We Answer: Are We Fiduciaries? (Ep.22)

You Ask, We Answer: Are We Fiduciaries? (Ep.22)

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What is a fiduciary and does Whittenburg Wealth Partners follow the fiduciary standard? Austyn Whittenburg has the answer.

In this episode, Austyn Whittenburg discusses one of the most common questions he’s starting to receive from his prospective clients, “are we fiduciaries?” He explains what a fiduciary is, differentiates between the fiduciary standard and suitability standard, and shares how to find out if a financial professional is a fiduciary.

Austyn discusses:

  • What a fiduciary is
  • Who is held to a fiduciary standard
  • The difference between the fiduciary standard and suitability standards
  • How the fiduciary standard applies to his practice
  • The easiest way to know if a financial professional is a fiduciary
  • And more

Resources: 

Connect with Austyn Whittenburg:

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FEATURE
A Chat About Long-term Care Insurance With Rick Gallacher, CFP® (Ep.21)

A Chat About Long-term Care Insurance With Rick Gallacher, CFP® (Ep.21)

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Most people will need some form of long term care at some point in their life, and they don’t want to be a burden on their family.

In this episode, Austyn Whittenburg talks with Rick Gallacher, CFP®, to talk about a range of different long term care options, the benefits of the services, and when you need them.

Rick discusses:

  • How to get benefits from long term care insurance
  • The different ways these policies get set up
  • How tough it can be for informal caregivers
  • The average costs of assisted living facilities versus at home care
  • And more

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.

This material contains only general descriptions and is not a solicitation to sell any insurance product or security, nor is it intended as any financial or tax advice. In addition, state insurance laws and insurance underwriting rules may affect available coverage and its costs. Guarantees are based on the claims paying ability of the issuing company. If you need more information or would like personal advice you should consult an insurance professional. You may also visit your state’s insurance department for more information.

Riders are additional guarantee options that are available to an annuity or life insurance contract holder. While some riders are part of an existing contract, many others may carry additional fees, charges and restrictions, and the policy holder should review their contract carefully before purchasing.

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FEATURE
The Basics of Social Security (Ep.20)

The Basics of Social Security (Ep.20)

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One in five Americans claim some form of Social Security benefits. Everyone’s benefit can be slightly different depending on your work history, age and a few other factors.

In this episode, Austyn Whittenburg, discusses the basics of Social Security to help you get a clear understanding of what it is and how it gets calculated.

Austyn discusses:

  • Why Social Security is known as a broad reaching program
  • How Social Security gets funded
  • How to calculate the amount of Social Security you will receive
  • Who is eligible to receive a Social Security benefit
  • How to maximize your Social Security benefit
  • And more

Resources:

Connect with Austyn Whittenburg:

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FEATURE
Navigating Volatility and Bear Markets (Ep.19)

Navigating Volatility and Bear Markets (Ep.19)

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Some of the best days that you’ll see as an investor happen in bear markets and over the course of your investment life it can make a significant difference in your portfolio.

In this episode, Austyn Whittenburg discusses how his firm approaches periods of extended volatility and how he helps clients survive the bear market. He also explains some of the sound investment principles and why you should maintain a long term investing perspective.

Austyn discusses:

  • Why there is no such thing as short-term investing
  • What a bear market is––and how long they typically last
  • How critical it is to stay invested so that you’re not missing those best days
  • Taking advantage of the times when people are fearful in the market
  • And more

Connect With Austyn Whittenburg:

 

https://www.whittenburgwealth.com/navigating-volatility

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 in to directly.

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

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio.  Diversification and asset allocation do not protect against market risk.

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