Re-Engineering Your Finances Podcast

1. Navigating Finances After Losing a Spouse: Strategies & Mistakes to Avoid

Losing a spouse is an unimaginably tough life event, but the financial implications can add another layer of stress to the grieving process. In this episode, we delve deep into the most common financial issues faced by widows and widowers, from dealing with income gaps to navigating tax changes as a single filer. We explore actionable strategies to address these problems, such as the importance of life insurance and the ins and outs of spousal pension continuation. This is the episode for you if

Sep 21,2023 16:58

2. Are There Universal Retirement Truths?

Retirement is a unique journey for each of us. The thought that there's a one-size-fits-all solution is a myth, but what if we told you there are certain universal truths that can guide every retiree? Dive deep in this episode, where we juxtapose the individuality of retirement plans with the foundational principles that remain consistent across the board. Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705 Financial Planning and Advisory Services are offered through Prospe

Sep 07,2023 17:41

3. Exposing Retirement Planning Complaints

In this episode, we tackle the common complaints and fears about financial situations during retirement. We'll discuss which concerns are well-founded, which are based on misconceptions, and offer insight on how retirees can best navigate their financial future. Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705 Financial Planning and Advisory Services are offered through Prosperity Capital Advisors ("PCA") an SEC registered investment adviser with its principal place of bu

Aug 17,2023 18:15

4. BASHING The Roth 401(k) & IRA?

Charles breaks down a recent article that bashes the role of a Roth 401(k), even going as far to say if you're not careful, you could "lose" hundreds of thousands of dollars from your retirement savings. As a CFP and CPA, Charles is the perfect person to see through the clickbait of this article and help us reach true understanding on the matter. You can view the Yahoo Finance article here. Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705 Financial Planning and Advisory S

Aug 03,2023 27:13

5. Countdown Clarity: Timing Your Retirement Preparations

Whether you’re close to retirement or still far from that exciting date, it’s not uncommon to wonder when you should start preparing for each aspect of it. From figuring out the right time to be debt-free and when to adjust your portfolio risk, to deciding when to plan for your Social Security benefits or healthcare coverage, this episode guides you through the ideal timeline for each. Tune in to find out how far away from retirement you should have answers to these pressing questions. Important

Jul 20,2023 23:37

6. Mastering Retirement Cash Flow: Understanding Income

In this episode, we're diving into the income side of the retirement cash flow conversation. We'll uncover the secrets of guaranteed income versus the uncertain stuff and shed light on the consequences of retiring without a clear income plan. Don't worry if you're feeling lost - we've got your back with practical solutions and expert guidance. Tune in and take charge of your retirement cash flow! Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705 Financial Planning and Advi

Jul 06,2023 17:17

7. Mailbag Edition: Housing, Banking Concerns & More

Get ready for a mailbag edition of Re-Engineering Your Finances. On today's show, Charles answers several questions from listeners across a wide range of retirement planning topics. From housing and mortgages to banking concerns and layoffs, we'll cover a lot of ground. Tune in and see what you can learn from these mailbag questions! Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705Financial Planning and Advisory Services are offered through Prosperity Capital Advisors ("P

Jun 15,2023 18:50

8. Top 3 Most Crucial Retirement Risks

On today's episode, Charles will outline the three most crucial retirement risks facing investors and break down how you can better prepare to overcome these challenges when you're done working. We'll cover longevity risk, sequence of return risk, and the risk of future tax increases and exposure. This topic isn't to be missed, especially if you've yet to develop a fully comprehensive financial plan. Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705 Financial Planning and

Jun 01,2023 16:04

9. Celebrating The Impact Of Charles’ Three Key Mentors

To celebrate surpassing 100 episodes, Charles wanted to dedicate a show to the three mentors who have had the biggest impact on his financial and retirement planning career. On today's episode, you'll hear about how Nick Murray, Jason Smith & Dave Allison helped influence Charles' professional direction and learn about the broader ways they've changed the financial planning realm. NICK'S BOOK: Simple Wealth, Inevitable WealthJASON BOOK: Bucket PlanDAVE'S CLASS: Tax Management JourneyFinancial Pl

May 18,2023 28:22

10. A Comprehensive Dismantling Of 2023’s Top Social Security Myths

Have you ever wondered if the Social Security system will run out of money before you retire? Or if claiming benefits as soon as you're eligible is the best decision for your financial future? In this episode, we'll be debunking common myths about Social Security and answering the questions you've been curious about. Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705 Financial Planning and Advisory Services are offered through Prosperity Capital Advisors ("PCA") an SEC regi

May 04,2023 19:06

11. Retirement Expenses For Which You Forgot To Plan

Do you feel confident that you have considered all the expenses involved in your retirement planning? Well, think again… It turns out that many retirees overlook some crucial expenses that can leave them financially vulnerable. In this episode, we explore the retirement expenses that most people tend to forget, including skyrocketing medical bills, unexpected travel costs, taxes, and much more. We'll discuss practical tips and strategies to help you plan for these expenses and ensure a secure an

Apr 20,2023 16:42

12. Moving Your Retirement Goalposts: Is It Worth The Risk?

Do you ever feel like your retirement planning goals are always moving? You're not alone. We’ve found that people often move the goalposts in their own retirement planning, often to their detriment. In this episode, we're diving deep into the psychology of retirement planning and the dangers of moving the goalposts. Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705 Financial Planning and Advisory Services are offered through Prosperity Capital Advisors ("PCA") an SEC regis

Apr 06,2023 14:57

13. Do You Have An Incomplete Financial Plan

Are you confident that your financial plan is complete? Many people believe they have a solid plan in place, only to realize later that they've missed important areas. From not accounting for long-term care expenses to overlooking the impact of taxes on retirement income, there are many ways a financial plan can be incomplete. On this episode, we'll be pointing out the most common areas people overlook when planning and provide actionable tips to ensure that your plan is as comprehensive as poss

Mar 16,2023 18:14

14. Top Ten Tax Questions For Retirees In 2023

Retirement can come with a lot of tax questions and concerns. From understanding the tax implications of withdrawing from your retirement accounts to minimizing taxes on investment income, it can be overwhelming. On today’s episode, we’ll break down the top ten tax questions retirees are asking in 2023. Before you file your 2022 taxes and plan ahead for the rest of the year, make sure to listen to this episode as we’ll discuss some important tax questions that retirees should ask themselves to e

Mar 02,2023 22:51

15. Back To Basics: Understanding Income Planning

It’s been said that if you don’t have an income plan, you don’t really have a retirement plan. We’ll tackle that mentality on this episode to see if it’s true and further explore why so many retirees and pre-retirees don’t understand the importance of an income plan, nor how to properly construct one. This is a foundational topic for anyone preparing for retirement, so make sure you hear this one.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705 Financial Planning and Advi

Feb 16,2023 14:15

16. 2023 Edition: 10 Point Checklist For Retirement Preparedness

Another year is upon us and it’s a great time to ask yourself 10 questions to assess how ready you are for retirement to kick off 2023. If you’re retiring this year, it’s essential to have some concrete answers to these questions. If you’re still a few years from the milestone, tune in so you can start thinking about these critical conversations.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705 Financial Planning and Advisory Services are offered through Prosperity Capital

Feb 02,2023 27:14

17. Preparing For Market Volatility In 2023

Market volatility became the norm in 2022. Are we in for more of the same in 2023? We’ll talk about the market outlook for the next 12 months, plus share tips on how you can best prepare for potential future volatility.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705 Financial Planning and Advisory Services are offered through Prosperity Capital Advisors ("PCA") an SEC registered investment adviser with its principal place of business in the State of Ohio. CP Welde Group

Jan 19,2023 15:39

18. 5 Financial Resolutions For A Better 2023

Are you retired or approaching retirement and want to have a more successful financial life in 2023? Listen to today's show as Charles details 5 financial resolutions you should tackle to start the new year.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705 Financial Planning and Advisory Services are offered through Prosperity Capital Advisors ("PCA") an SEC registered investment adviser with its principal place of business in the State of Ohio. CP Welde Group and PCA are

Jan 09,2023 17:14

19. Making Smart Decisions During Major Life Events

Let’s explore some of the things you should be thinking about to make smart financial decisions when you encounter some of the most significant events in your life.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705 Financial Planning and Advisory Services are offered through Prosperity Capital Advisors ("PCA") an SEC registered investment adviser with its principal place of business in the State of Ohio. CP Welde Group and PCA are separate, non-affiliated entities. PCA does

Dec 15,2022 16:45

20. The Retirement Marathon: Finishing The Race

Getting through retirement can be a lot like running a marathon. Let’s talk about some of the similarities of getting to the finish line in racing and retirement.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705 Financial Planning and Advisory Services are offered through Prosperity Capital Advisors ("PCA") an SEC registered investment adviser with its principal place of business in the State of Ohio. CP Welde Group and PCA are separate, non-affiliated entities. PCA does n

Dec 01,2022 19:06

21. Most Common Retirement Planning Questions About Taxes

As we approach the end of the year, saving money on taxes becomes a bigger focus for many people. But let’s broaden the scope out for this particular episode and focus on some of the most common retirement planning questions about taxes. We’ll talk about mistakes to avoid and how a proper plan can make a significant difference in someone’s tax savings.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705 Financial Planning and Advisory Services are offered through Prosperity C

Nov 17,2022 25:19

22. How Bonds Work: What Retirees Need To Know

Too many folks misunderstand bonds, how they work, and what role they play in a proper financial plan. We’ll address some of those bond related issues on today’s show.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705 Financial Planning and Advisory Services are offered through Prosperity Capital Advisors ("PCA") an SEC registered investment adviser with its principal place of business in the State of Ohio. CP Welde Group and PCA are separate, non-affiliated entities. PCA d

Nov 03,2022 15:12

23. Getting It Right: Irreversible Financial Decisions

There are plenty of decisions that you’ll make in the retirement planning process that can’t be undone, so you want to make sure that you make the right call. In this episode, we’ll explain why these decisions are so important and can’t be undone.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705 Financial Planning and Advisory Services are offered through Prosperity Capital Advisors ("PCA") an SEC registered investment adviser with its principal place of business in the St

Oct 20,2022 16:10

24. Can’t Get No Satisfaction… Or Can You?

Want to know the secrets to experiencing satisfaction in retirement? We’ve discovered five key situations to which your financial plan needs to lead you. If you can key in on these five points, you’ll have a high chance to achieve retirement satisfaction.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705 Financial Planning and Advisory Services are offered through Prosperity Capital Advisors ("PCA") an SEC registered investment adviser with its principal place of business i

Oct 06,2022 15:48

25. Planning For Retirement’s Uncertainties

There are many things that we know we’ll have to deal with in retirement, we just don’t know how to predict when or to what degree. How do you construct a plan that deals with the unpredictability of these different factors?Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705 Financial Planning and Advisory Services are offered through Prosperity Capital Advisors ("PCA") an SEC registered investment adviser with its principal place of business in the State of Ohio. CP Welde G

Sep 15,2022 25:43

26. Should You Follow These Popular Retirement Rules of Thumb?

You’ve most likely heard plenty of “rules” you’re supposed to follow to retire successfully. Some of these rules are stated so confidently, you’d be crazy not to immediately accept them as fact. But we don’t mind the threat of being called crazy, so let’s dive into some of the most popular retirement “rules of thumb” to see if they truly lead us down the path of good financial guidance or run a chance of leading us astray.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705 F

Sep 01,2022 17:01

27. What They’re Saying: Analyzing Advice On Surviving A Bear Market

It’s no secret the stock market is in turmoil. We’re in a bear market and the R-word (recession) is getting thrown around daily. So, what can you do to survive bear markets like the one we’re in now? We’ve collected advice from various commentators and “experts” from across the country. You might have even heard some of this advice yourself. But should you follow it or proceed with caution? We’ll break down the guidance to provide some important context and perspective.Important Links:Website: h

Aug 18,2022 18:26

28. Can You Get An A+ On Our Retirement Planning Quiz?

Don’t dread this as much as you hated hearing these words as a kid, but it’s time for a pop quiz! We’re putting retirement planning preparedness under the microscope with 5 critical questions to which you need to know the answers. So sharpen those pencils and let’s see how ready you are for retirement.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705 Financial Planning and Advisory Services are offered through Prosperity Capital Advisors ("PCA") an SEC registered investmen

Aug 04,2022 15:38

29. Why Retirement Planning Ain’t What It Used To Be

In some ways, retirement planning was easier for past generations. Let’s explore how a good financial advisor helps people overcome the additional challenges of today. Our parents and grandparents may not have had to face these things, so just relying on the experiences of family members might not be enough to help us achieve our own financial success…Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705 Financial Planning and Advisory Services are offered through Prosperity C

Jul 21,2022 16:18

30. Do You Concur? Picking Sides In Important Financial Debates

On this episode, we’ll try to pick sides of some important financial debates. From bonds to life insurance, credit card debt to starting Social Security, we’ll propose several different topics to see which sides of the debates you and your advisor should probably fall on.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705 Financial Planning and Advisory Services are offered through Prosperity Capital Advisors ("PCA") an SEC registered investment adviser with its principal pl

Jul 07,2022 25:48

31. Secret To Retirement Success: Get Out Of Your Own Way

There are plenty of external factors that often negatively influence our chances of having a successful retirement. But often, failure comes from within. On this episode, we’ll talk about some of the common ways people get in their own way when it comes to financial planning.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705 Financial Planning and Advisory Services are offered through Prosperity Capital Advisors ("PCA") an SEC registered investment adviser with its principa

Jun 16,2022 18:58

32. Are These Retirement Statistics Encouraging or Disturbing?

We’ve gathered some updated retirement statistics from across the country. It’s time to find out if these are encouraging or disturbing findings, if they’re reflective of the average client, and what you can do to improve your own retirement preparedness based off this information.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705 Financial Planning and Advisory Services are offered through Prosperity Capital Advisors ("PCA") an SEC registered investment adviser with its pr

Jun 02,2022 19:29

33. Mailbags! Answering Common Retirement Questions From Listeners Like You

Leaving an inheritance, combining multiple old 401(k)s, assessing an IRAs recent performance, and what to make of capital gains taxes? These questions and more are on the docket today as we answer a smattering of questions from listeners like you in a special edition of the show. Let's open up the mailbag and get started!Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705 Financial Planning and Advisory Services are offered through Prosperity Capital Advisors ("PCA") an SEC

May 26,2022 13:27

34. Understanding The Three Worlds Of Money

When you really boil it down, there’s really only three places where you can invest money. Let’s talk about the role that each of those worlds play in a good financial plan.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705 Financial Planning and Advisory Services are offered through Prosperity Capital Advisors ("PCA") an SEC registered investment adviser with its principal place of business in the State of Ohio. CP Welde Group and PCA are separate, non-affiliated entities.

May 16,2022 12:52

35. Home Run Retirement Planning: How Baseball Principles Also Score Financial Runs

After listening to today’s episode, you’ll never attend another baseball game with the family and look at it the same way. We’re going to show you how taking some of baseball’s most basic principles can also lead to financial success in your retirement portfolio. So, grab your peanuts and crackerjacks and let’s take the financial field.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705 Financial Planning and Advisory Services are offered through Prosperity Capital Advisors

Apr 21,2022 19:39

36. When Guessing At Retirement’s Most Important Questions Goes Wrong

Most people, when trying to plan their retirement, have to guess about the answers to some important questions. Let’s talk about some of those questions and why you need to have a better answer than just a guess.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705 Financial Planning and Advisory Services are offered through Prosperity Capital Advisors ("PCA") an SEC registered investment adviser with its principal place of business in the State of Ohio. CP Welde Group and PCA

Apr 07,2022 16:23

37. Who Even Needs A Financial Advisor?

Some people feel that they’ll save money by handling their investments themselves instead of working with an advisor. Others may like the challenge of doing it themselves. Still others just don’t know who to trust so they end up not working with anyone. Let’s talk about some reasons that you might need an advisor.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705 Financial Planning and Advisory Services are offered through Prosperity Capital Advisors ("PCA") an SEC register

Mar 17,2022 18:46

38. Planning For Things We Can’t Predict

There are certain things in life we just can’t predict. If we knew the answers to some of these questions, planning for retirement would sure be a lot easier. So let’s see how you go about constructing a plan that addresses the kinds of questions to which you can’t possibly know the answers.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705 Financial Planning and Advisory Services are offered through Prosperity Capital Advisors ("PCA") an SEC registered investment adviser w

Mar 03,2022 11:44

39. Retirement Potpourri: Fill In The Blank

Time for a little fun on this episode. We’ll use some fill in the blank prompts to spark good discussion about relationships between advisors and their clients, the stock market, common planning mistakes, and much more!Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705 Financial Planning and Advisory Services are offered through Prosperity Capital Advisors ("PCA") an SEC registered investment adviser with its principal place of business in the State of Ohio. CP Welde Group

Feb 17,2022 10:57

40. Don’t Fumble Your Retirement In The Financial Red Zone

In football, teams are extra careful not to make a mistake when they get within about 20 yards of scoring points (known as the Red Zone). They’ve typically worked hard to get to that point and don’t want to cost themselves by throwing an interception or fumbling the ball and giving it to the other team. On this episode, we’ll explore the financial equivalent of the Red Zone and discuss how you can really mess things up if you’re not careful during this phase of your life. If you’re approaching r

Feb 03,2022 11:04

41. Intriguing Listener Questions

We're answering a smattering of listener questions on today's episode. We'll cover how to work part-time when transitioning into retirement, mortgage payments, savings percentages, generational wealth, and more!Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705 Financial Planning and Advisory Services are offered through Prosperity Capital Advisors ("PCA") an SEC registered investment adviser with its principal place of business in the State of Ohio. CP Welde Group and PCA

Jan 20,2022 16:56

42. 5 Signs You’re In Good Financial Health

If retirement is on your mind, then listen up to today’s show for a 5-part checklist that’ll help measure if you’re in good financial health and setting yourself up for retirement success.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705 Financial Planning and Advisory Services are offered through Prosperity Capital Advisors ("PCA") an SEC registered investment adviser with its principal place of business in the State of Ohio. CP Welde Group and PCA are separate, non-affil

Jan 06,2022 13:41

43. Where Financial Advisors Drop The Ball

We see a lot of people who aren’t getting the kind of advice and service from their financial advisor that they should be. In a lot of cases, the advisor is only “managing the investments,” but not providing guidance in other areas. Let’s talk about some of the things that your advisor should be doing.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705 Financial Planning and Advisory Services are offered through Prosperity Capital Advisors ("PCA") an SEC registered investmen

Dec 16,2021 17:09

44. Handling Unreasonable Requests

Certainly, none of our podcast listeners would be guilty of making unreasonable requests, but let’s talk about some of the unreasonable requests we hear from others in the financial world. We’ll explore what makes them unreasonable and what proper expectations look like instead.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705 Financial Planning and Advisory Services are offered through Prosperity Capital Advisors ("PCA") an SEC registered investment adviser with its princ

Dec 02,2021 11:47

45. The Pyramid of Risk

Sometimes it’s helpful to visualize complex topics to help make them easier to understand. On this episode, we’ll structure retirement planning in the form of a risk pyramid and work our way through each level.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705 Financial Planning and Advisory Services are offered through Prosperity Capital Advisors ("PCA") an SEC registered investment adviser with its principal place of business in the State of Ohio. CP Welde Group and PCA a

Nov 18,2021 11:35

46. Tax Consequences: Pros & Cons of Various Account Types

Different types of accounts have different tax consequences. Let’s talk about those advantages and disadvantages in different types of accounts and how you can use them (or not) in retirement planning.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705 Financial Planning and Advisory Services are offered through Prosperity Capital Advisors ("PCA") an SEC registered investment adviser with its principal place of business in the State of Ohio. CP Welde Group and PCA are separa

Nov 04,2021 14:22

47. Is Your Retirement Plan Out of Tune?

Even if you have a solid financial plan in place, things can quickly get out of tune if you don’t make adjustments from time to time. Let’s talk about some of the areas where we often see people get out of tune in their financial plan.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705 Financial Planning and Advisory Services are offered through Prosperity Capital Advisors ("PCA") an SEC registered investment adviser with its principal place of business in the State of Ohio.

Oct 21,2021 14:03

48. Should You Put Off That Decision?

Let’s talk about some of the financial matters that people that people tend to push off to a later date. Is it good or bad to put these things off? Or does it depend on the situation?Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705 Financial Planning and Advisory Services are offered through Prosperity Capital Advisors ("PCA") an SEC registered investment adviser with its principal place of business in the State of Ohio. CP Welde Group and PCA are separate, non-affiliated

Oct 07,2021 21:16

49. Just What The Financial Doctor Ordered

So, you’re experiencing some concerning symptoms? Let’s have a visit with the money “doctor” to see what financial prescriptions you might need.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705 Financial Planning and Advisory Services are offered through Prosperity Capital Advisors ("PCA") an SEC registered investment adviser with its principal place of business in the State of Ohio. CP Welde Group and PCA are separate, non-affiliated entities. PCA does not provide tax or

Sep 16,2021 15:09

50. Retirement Plan Customization Is King

Most people understand that a customized retirement plan is much better than a one-size-fits-all approach. And yet, most people don’t have a plan that’s truly customized. Let’s talk about some of the things that need to be considered if you’re going to build a truly customized plan.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705 Financial Planning and Advisory Services are offered through Prosperity Capital Advisors ("PCA") an SEC registered investment adviser with its p

Sep 02,2021 13:45

51. Mailbag: When Should You Seek Help From A Financial Advisor?

We answer some listener questions on today’s show. We’ll discuss where you should save your money if interest rates go up, when to consult a financial advisor if money is straining your relationship, and how longevity factors into your social security strategy.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705 Financial Planning and Advisory Services are offered through Prosperity Capital Advisors ("PCA") an SEC registered investment adviser with its principal place of busi

Aug 19,2021 13:58

52. 5 Things You Must Know About Decumulation To Retire Successfully

So much focus in the financial world revolves around accumulating money. There’s all sorts of advice, howto guides and guardrails in place when it comes to saving and investing, but a lot less resources out there to help retirees navigate the period of time after retirement. This is known as decumulation, the spending down and managing of the assets you’ve accumulated through your life. And on this episode, we’ll point at (at least) 5 things you must know about decumulation to retire successfull

Aug 05,2021 14:56

53. It’s Not Your Father’s Retirement

If you’re of the age that your mom and dad retired 20 or 30 years ago, the world was a much different place when they walked away from their paychecks. Let’s talk about how things are different now.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705 Financial Planning and Advisory Services are offered through Prosperity Capital Advisors ("PCA") an SEC registered investment adviser with its principal place of business in the State of Ohio. CP Welde Group and PCA are separate,

Jul 15,2021 13:10

54. Learning Through Uncommon Sense

At first glance, each of these statements seem like basic common sense that everyone agrees with. But when we look at the way people actually behave with their money, it seems that common sense is actually a bit uncommon.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705 Financial Planning and Advisory Services are offered through Prosperity Capital Advisors ("PCA") an SEC registered investment adviser with its principal place of business in the State of Ohio. CP Welde Grou

Jul 01,2021 12:59

55. Listening To The Money Doctor

If we take a look at the world of medicine, we can learn some valuable lessons that can be applied to your financial life.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705

Jun 17,2021 13:12

56. Do Retirees Really Need Life Insurance?

Ironically, life insurance is a young man’s game. The perception among many people is that your need for life insurance dramatically decreases and perhaps becomes completely unnecessary as you age. Is that really the case? On this episode, let’s explore some ins and outs of life insurance and its various uses.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705

Jun 03,2021 11:51

57. Financial Fact Or Fiction?

Sometimes the easiest way to learn about something is make it really simple. Like some of the first true/false tests you might have taken in school, let’s play a round of fact or fiction to test your financial planning acuity.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705

May 20,2021 11:10

58. Are You Flirtin' With (Financial) Disaster?

Let’s talk about some of the areas of your financial life where you might be flirtin’ with disaster and don’t even know it.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705

May 06,2021 20:12

59. Launching Your Financial Campaign

If you had to be elected in order to be a financial advisor, let’s talk about some of the bedrock principles that you’d probably want to campaign on.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705

Apr 15,2021 15:58

60. This Is Why You Never Assume

We often see people making certain assumptions about retirement that just aren’t correct. Let’s explore some of those on today's show.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705

Apr 01,2021 16:12

61. How Women Can Make Sure They’re Involved In Financial Decisions

A recent survey found that nearly half of the female respondents said they defer major financial and investment decisions to their spouses. Most of the explanations amounted to just wanting to stick their heads in the sand. They want to just know they’re taken care of, but not get mired in the minutia. But we’ve heard countless stories of why this is a bad idea because one day you might become the lead decision maker. On this episode, let’s go over some tips for how women can get back in the gam

Mar 18,2021 12:51

62. 2021 Tax Tips Recap

As you get ready to file 2020 taxes and look ahead to the rest of this year’s tax implications, let’s cover some of the changes you need to be aware of and answer some important tax questions.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705

Mar 04,2021 19:54

63. 5 Important Retirement Statistics Worth Understanding

Sometimes numbers, figures and stats can go in one ear and out the other. But on this episode, we’ll break down 5 important statistics that are worth taking a moment to understand. They’ll underscore some very real problems people face when prepping for retirement. We’ll explore those problems and talk about possible solutions.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705

Feb 18,2021 17:49

64. Financial Literacy: What Are The Three Qualities Of Money?

If you don’t know the answer to the question, then this episode is for you. On this episode, we’ll explore the three qualities of money, discuss whether you can achieve them in a single investment, and how to put the right emphasis on the different qualities. It’s really quite basic, but understanding these fundamentals can make an enormous difference in your financial life.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705

Feb 04,2021 12:44

65. Answering Your Questions About Housing, Variable Annuities, Social Security & More

It's a mailbag edition of Re-Engineering Your Finances and on this episode we'll cover lots of your questions about refinancing a mortgage, flipping houses, social security, advisor designations, and much more.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705

Jan 21,2021 20:20

66. Understanding The Different Types Of Risk

There are many more risks to guard against in retirement planning than most people realize. Let’s explore some of the planning risks we all face and how to prepare for them.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705

Jan 07,2021 20:35

67. A 5 Question Retirement Preparedness Quiz

Want to grade your preparedness for retirement? Here are five key questions you need to ask yourself. Your answers will help determine how ready you are for retirement.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705

Dec 17,2020 19:30

68. Are Variable Annuities The Lima Beans Of The Financial World?

We all have that food we just can’t stomach. Maybe lima beans. Stinky cheese. Liver. Kool-Aid pickles. You get the idea. If there is any product in the financial world that’s like one of these much-maligned meals it has to be the variable annuity. It “gets hated on” by seemingly everyone who calls themselves a retirement planner. Why is that? And just like there’s always a couple of people who like pineapple pizza, is there ever a situation where a variable annuity could be an attractive delicac

Dec 03,2020 20:02

69. Is Diversification For Suckers?

If you look up quotes about diversification from famous investors, you might come across one from renowned investor Warren Buffet that will certainly raise your eyebrows. It goes, “Diversification is protection against ignorance. It makes little sense if you know what you are doing.” Yet, we’ve always heard about diversification being one of the keys to success for retirement planning. How can these seemingly different ideas both be right?Important Links:Website: https://www.cpweldegroup.com/Cal

Nov 05,2020 14:57

70. The 401(k) FAQs

This episode is all about addressing the most frequently asked questions about 401(k)s.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705

Oct 15,2020 16:53

71. Following The Financial Commandments

On this episode, we present you with five commandments that are worth of being written on stone tablets in your retirement plan.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705

Oct 01,2020 14:58

72. Hindsight Is 20/20

Just like any decision in life, making financial choices would be a lot easier with the benefit of hindsight. Let’s talk about some of the things we might hear from people who wish they’d done things differently after looking in the rear view mirror.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705

Sep 17,2020 18:36

73. Obsolete Retirement Planning Ideas

Just like your iPhone or your computer can become obsolete and need to be replaced, the way that some people think about retirement is obsolete and needs to be replaced. Let’s talk about some outdated ideas that people still cling to.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705

Sep 03,2020 16:53

74. The Difficulty Of Financial Planning After The Death Of A Spouse

It is a life event that can be one of the most difficult things to go through both emotionally and financially. When one spouse dies, the remaining spouse is left to wrestle with a mountain of questions and choices. And although it’s difficult to discuss, proper planning can help make it easier to transition through this major life event. Let’s explore what someone should do in the event of a spouse’s passing, but also some of the pre-planning that can take place.Important Links:Website: https:/

Aug 20,2020 11:56

75. Are You Making These Classic Pre-Retiree Mistakes?

There are some financial planning blunders that are interesting to talk about but are quite rare in reality. On the other hand, there are some financial planning mistakes that happen far too often. Let’s talk about the mistakes so many people have made in the past it has made them “classic”.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705

Aug 06,2020 15:24

76. Mailbag: Your Questions About Trusts, Volatility, Variable Annuities & Leaving A Legacy

Lots of good questions from listeners on today's show. We'll talk about variable annuities, leaving a legacy, trusts, volatility and more.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705

Jul 16,2020 16:34

77. Can Mark Twain Teach Us Something About Money?

"The lack of money is the root of all evil." That's just one wise and intriguing quote from Mark Twain. He had a lot of other good ones from which we can pull some great financial lessons.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705

Jul 02,2020 17:34

78. Cracking Open The Financial Dictionary

Step into the classroom and let’s take a look at some financial terms, define them, and find out if they’re important for the typical investor and saver to know about them.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705

Jun 18,2020 15:09

79. Roth vs. Traditional IRA - Which Is Better?

Many people have heard of the different retirement savings accounts out there, but aren't sure which one is right for them. Charles will break down the difference between these accounts, how taxes affect each, and how to decide where to invest your money.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705

Jun 04,2020 13:55

80. How To Avoid Critical Retirement Planning Mistakes

Let’s talk about some of the common mistakes that we see being made time and time again by retirees and pre-retirees.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705

May 21,2020 20:17

81. Mailbag Edition: Online Retirement Calculator, Keeping Money In A Savings Account, Mutual Fund Overlap

We dedicate this week's episode to answering questions that have come in from our listeners. We'll discuss online retirement calculators, the idea of keeping money in a savings account when you're too scared to invest, running into overlap in mutual funds, and much more.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705

May 07,2020 18:11

82. Getting To Know Charles - Puddling, Pineapple & The Welde Family

We take a break from strictly financial talk on this episode to try to get to know Charles' personality a little bit better. It's important for you to learn about retirement, tax and financial planning elements, but you should also know a little bit about the man giving you the information. So today we'll take a peek into Charles' past so you can get to know your show host and financial advisor.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705

Apr 16,2020 10:04

83. 3 Key Questions To Ask As You Navigate Through The Coronavirus Situation

The Coronavirus (COVID-19) pandemic is dominating news headlines right now, so it's our focus of this episode of the podcast. Charles has three key questions to ask yourself as you navigate through the economic side and fallout of the pandemic.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705

Apr 02,2020 14:48

84. Financial Crossword – When You’re Sure You’re Right But You’re Not

If you’ve ever done a crossword puzzle, you know how much a wrong answer can mess you up. You might think that you have the right answer for 17-across, but you just can’t figure out how the answer to 13-down starts with the letters “XC.” Well, the problem is that you have the wrong answer in 17-across, and that X should really be an S. In retirement planning, one wrong answer can really make a mess of the rest of your plan. Let’s talk about some of the common areas where you might think you have

Mar 19,2020 22:10

85. The Important Stages Of Retirement Planning

How far out from retirement are you? 15 years? 10? 5? Is it on the doorstep? No matter which stage you’re in, there are some really important things you should be thinking about as you inch closer to that day you call it quits at work. On this episode, we’ll walk through these different stages to see exactly the kinds of things you should be doing from a planning perspective and how your focus changes as you get closer to the big day.Important Links:Website: https://www.cpweldegroup.com/Call: 61

Mar 05,2020 14:17

86. How To Account For Emotions In Your Financial Plan

Most people like to think that they always make decisions based on logic and facts, but the truth is that emotions usually play a role for all of us in the decision-making process.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705

Feb 20,2020 16:38

87. Everything You Need To Know About Roth Conversions

The idea of a Roth conversion is intriguing to a lot of people, and for some people it can be a great strategy to enact. Let’s explore the concept.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705

Feb 06,2020 14:11

88. Managing Debt & Retirement Planning

Do you believe you need to be completely debt free to retire successfully? Or are you okay carrying some balances beyond your working years? There are many opinions about the best way to handle debt and retirement planning, so we’ll tackle them all on today’s show.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705

Jan 16,2020 12:38

89. The Ins & Outs Of Mutual Funds

Mutual funds have long been the most popular way for people to invest, but is that landscape changing?Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705

Jan 02,2020 16:51

90. 5 Social Security Misunderstandings

Myths, rumors, and misunderstandings are pervasive in the world of Social Security. On this show, we’ll look to clear up 5 misunderstandings about Social Security.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705

Dec 19,2019 18:46

91. The Mailbag Show

We dedicate this week's podcast to questions from our listeners that we have received from our mailbag.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705

Dec 05,2019 14:56

92. Retirement Constants That Affect Everyone

While there are some factors that are different for everyone in retirement planning, there are also constants that affect everyone, no matter the specifics of your situation. How do we plan around these constants?Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705

Nov 21,2019 18:47

93. Tax Storytime

On this week's episode, Charles talks about making a client's retirement plan more tax efficient. He describes a few strategies he used and how he was able to make the most out of the low tax rates we are in right now.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705

Nov 07,2019 15:53

94. What Will The Next Market Crash Look Like?

Some people think we’re on the cusp of the next stock market crash. Others predict that we’re just due for a minor correction. And another camp thinks we’ll continue an upward trend. We don’t know who is right or when any of those options will occur. But let’s talk about what the next market crash might look like, even if we don’t know when it will come.Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705

Oct 17,2019 14:58

95. Even Responsible Savers Make Mistakes

Even for people who have been very responsible with their money over the years, entering retirement can still be a challenge because it’s such a different stage of life. Let’s talk about some of the missteps that even responsible savers can make…Important Links:Website: https://www.cpweldegroup.com/Call: 610-388-7705

Oct 03,2019 12:38

96. 3rd & 4th Quarter Planning To-Do List

As we get into the 2nd half of 2019, there are several planning items you might want to run a quick checkup on, especially if you’re a retiree or pre-retiree, to make sure you’re still on the right financial track. Are you focusing on the right things? Listen to today’s podcast to find out.

Sep 19,2019 18:58

97. Busting Financial Myths

Today’s episode is simple. We’ll look at some of the most widely believed financial myths and try to bust them wide open. The scary thing is that a lot of people base their financial plans on some of these myths. Don’t be like that.

Sep 05,2019 16:15

98. You Need To Avoid These Portfolio Disasters

Between wildfires, hurricanes, tornados and floods, there’s always a natural disaster making news headlines. And while life and limb aren’t at stake when it comes to your portfolio, experiencing a financial disaster can still have a catastrophic effect on your life in retirement. Let’s discuss some portfolio disasters that we’ve seen and how to avoid them...

Aug 15,2019 18:36

99. What Does Financial Security Mean To You?

"Financial Security” might mean different things to different people, but for nearly everyone, making sure that they achieve their own definition of security is the most important part of their retirement plan. So, how do you define financial security? On today’s show, we’ll cover some of the popular responses we hear from clients during the planning process.

Aug 01,2019 11:52

100. These Financial Things Are Underrated

This topic is simple. Things related to your money, finances, and retirement that should get way more attention and excitement. Let’s give them the love they deserve on this episode.

Jul 18,2019 15:08

101. What Popular Proverbs Teach Us About Money

There are plenty of proverbs and axioms that aren’t meant to be about money, but we can easily learn a financial lesson from them anyway. We’ll show you the hidden money meanings behind some of these popular sayings…

Jul 03,2019 13:23

102. Mailbag: Retiring Early, Stretch IRAs, Marrying Into Debt

We've had a ton of email questions come in, so this week we're opening up the mailbag. We'll answer Jeff's question about the possibility of retiring early at 55, and offer some thoughts on investing in foreign currency. We'll also talk about what you might do with an inherited property, a few things should know about Stretch IRAs, and much more.

Jun 20,2019 16:32

103. 5 Simple Retirement Questions (That Are Hard To Answer)

Some of retirement planning’s most important questions seem so simple at first. They can be asked in just 4-5 words and give the impression the answers are a simple “yes” or “no”. But it’s tricky because many of these questions can become overwhelming to answer. Let’s cover some of the important retirement questions that are harder to answer than you might think.

Jun 06,2019 14:39

104. What Does "Safe Money" Really Mean?

There’s a buzzword in the financial world called “safe money”, but it has a few different definitions and ways it is used. Everyone wants their money to be safe to a certain extent, but there’s a balancing act when it comes to having safe money and having a bit of risk.

May 16,2019 24:34

105. Facing The Realities Of Retirement Planning

The realities of retirement planning are different than they were even a decade ago. Let’s talk about some of the realities that affect how you need to plan…

May 02,2019 14:47

106. 5 "Pain Points" In Your Financial Life - Part 2

Everyone has something that bothers them when it comes to their financial plan. We call them "pain points". On part 2, we'll cover the final two pain points. How can you counteract the uneasiness of walking away from a paycheck and what should you do about having anxiety of another market crash?

Apr 18,2019 14:02

107. 5 "Pain Points" In Your Financial Life - Part 1

Everyone has something that bothers them when it comes to their financial plan. We call them "pain points". On the next two shows we'll cover the 5 most common pain points that are likely in your financial life. On part 1, we'll cover the worry of running out of money before dying, angst about taxes, and the fear of ending up in a nursing home.

Apr 04,2019 16:00

108. The Importance Of Understanding Your Risk Tolerance

Any advisor worth his or her salt is going to have a conversation with you about risk. But what in the world is “risk tolerance”? It’s a buzzword that gets used a lot in meetings with financial advisors, but we’ve found that a lot of people don’t have a great understanding of how their risk tolerance truly impacts their financial and retirement plans. Let’s fix that and give you the 411 on risk tolerance.

Mar 21,2019 11:08

109. The Problems With Living A Long Life

It’s great that people are living longer and longer, but how can you be sure that your retirement plan is built to last as long as you do? Let’s discuss the financial impact of a longer life expectancy.

Mar 07,2019 12:44

110. You're Offered A Pension Buyout. Now What?

It's a common financial planning issue. You're in line to get a pension from your company, but then they offer you a lump sum buyout instead of that lifetime income guarantee. The situation can be confusing and complex and difficult to analyze all the pros and cons on your own. Charles tells us some of the important things to consider if you go through this situation and tells us a story about someone who had this very issue.

Feb 21,2019 14:34

111. An Introduction To Charles Welde & The CP Welde Group

In the first edition of "Re-Engineering Your Finances" we'll take a look at Charles' past and explore how he got into the financial advising business. He'll tell us how his past experiences shaped his planning philosophies and impacted the way he does business today. We'll also tell you what to expect on future editions of the podcast.

Feb 07,2019 00:00

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