Shows
Beer & MoneyEpisode 332 - Holiday Reflections: What Truly MattersIn this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the significance of the holiday season as a time for reflection on family, values, and financial planning. They explore the emotional aspects of spending time with loved ones, the expectations that come with hosting, and the importance of having meaningful conversations about legacy and future planning. The hosts encourage listeners to take actionable steps towards what truly matters in their lives, emphasizing that money is merely a tool to facilitate a fulfilling life. Check out our website: beerandmoney.net Find us on Y...
2025-12-2219 minBeer & MoneyEpisode 331 - Your Financial Plan: Organize & PrioritizeIn this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the complexities of financial planning, emphasizing the importance of organization, prioritization, and clarity in achieving financial goals. They explore common misconceptions clients have about their financial situations and provide a structured framework for effective financial planning. The conversation highlights the need for income protection, cash flow organization, and the automation of financial decisions to ensure a smooth planning process. Additionally, they address common mistakes made in financial planning and the significance of reviewing and adjusting plans regularly. Check out our website: beerandmoney.net
2025-12-1521 minBeer & MoneyEpisode 330 - Are You Planning Financially Backwards?In this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the common pitfalls of linear financial planning, emphasizing the importance of understanding personal values and future aspirations. They advocate for a future-first approach to financial planning, which allows individuals to align their financial decisions with their life goals, ultimately leading to a more fulfilling and less stressful financial journey. Check out our website: beerandmoney.net Find us on YouTube: https://www.youtube.com/@beerandmoney Subscribe to our newsletter: https://www.quantifiedfinancial.com/subscribe-now Check out our Instagram: https://w...
2025-12-0816 minBeer & MoneyEpisode 329 - The Art of Choosing a Financial AdvisorIn this episode of Beer and Money, Alex Collins discusses how to find a financial advisor, what to look for in an advisor, and the key questions to ask during the selection process. He emphasizes the importance of understanding advisor credentials, the advisor's process, and the value they can bring to clients. The conversation aims to equip listeners with the knowledge needed to make informed decisions when seeking financial advice. Check out our website: beerandmoney.net Find us on YouTube: https://www.youtube.com/@beerandmoney Subscribe to our newsletter: https://www.quantifiedfinancial.com/s...
2025-12-0117 minBeer & MoneyEpisode 328 - Thankful for what you get to do vs what you have to doIn this episode of Beer and Money, Ryan Burklo and Alex Collins reflect on the significance of Thanksgiving and the role of money in family life. They discuss the balance between financial success and enjoying the present, emphasizing the importance of intentional choices and shifting mindsets. The conversation highlights how stress can overshadow meaningful experiences, especially during the holiday season, and encourages listeners to build their financial plans around their values and what truly matters to them. Check out our website: beerandmoney.net Find us on YouTube: https://www.youtube.com/@beerandmoney Subscribe...
2025-11-2421 minBeer & MoneyEpisode 327 - How Ryan is funding his kid's college educationIn this episode, Ryan Burklo and Alex Collins discuss the intricacies of college planning, focusing on Ryan's personal experience with his daughter touring the University of Arizona. They explore various funding strategies for education, emphasizing the importance of flexibility in financial planning. The conversation also touches on navigating the FAFSA process, the emotional aspects of financial decisions, and the significance of seeking advice from knowledgeable sources. Check out our website: beerandmoney.net Find us on YouTube: https://www.youtube.com/@beerandmoney Subscribe to our newsletter: https://www.quantifiedfinancial.com/subscribe-now Check...
2025-11-1725 minBeer & MoneyEpisode 322 - The Rise of Alternative Strategies in Retirement PlanningIn this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the integration of private equity and alternative assets into 401k plans. They explore the performance of endowments, the nature of private equity and private debt, and the associated risks. The conversation emphasizes the importance of understanding these investment options, the role of 401k plans in holding illiquid assets, and the need for informed decision-making to avoid chasing returns without proper knowledge. Check out our website: beerandmoney.net Find us on YouTube: https://www.youtube.com/@beerandmoney Subscribe to our newsletter: h...
2025-10-1320 minBeer & MoneyEpisode 320 - Let's Talk About Interest RatesIn this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the recent interest rate cuts by the Federal Reserve, exploring the implications for savings accounts and debt financing. They emphasize the importance of understanding market-based returns and cash flow when making financial decisions. The conversation also touches on the significance of individualized financial planning and the need for professional guidance in navigating these changes. Check out our website: beerandmoney.net Find us on YouTube: https://www.youtube.com/@beerandmoney Subscribe to our newsletter: https://www.quantifiedfinancial.com/subscribe-now F...
2025-09-2917 minBeer & MoneyEpisode 316 - Top 3 Portfolio MistakesIn this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the three most common portfolio mistakes they encounter with clients. They emphasize the importance of understanding asset classes, avoiding over-concentration in US large stocks, and ensuring proper diversification to mitigate risks. The conversation highlights the significance of a balanced investment strategy and the need for clients to be aware of their portfolio's composition and associated risks. Check out our website: beerandmoney.net For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo T...
2025-09-0124 minBeer & MoneyEpisode 314 - How Are Your Assets Taxed?In this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the critical topic of how assets are taxed and the implications for financial planning. They explore the importance of understanding tax brackets, the different types of taxable buckets, and strategies for tax efficiency. The conversation emphasizes the need for tax diversification and the impact of cash flow versus asset shifting on retirement income. The hosts provide insights into how listeners can better prepare for their financial future by considering taxation in their investment strategies. Check out our website: beerandmoney.net For a q...
2025-08-1822 minBeer & MoneyEpisode 312 - Will Your Savings Last?In this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the critical question of whether savings will last through retirement. They explore common mistakes made by pre-retirees and retirees, emphasizing the importance of strategic planning and understanding the risks associated with outliving savings. The hosts introduce the Monte Carlo simulation as a tool for assessing financial risks and analyze different investment strategies to enhance retirement income. They highlight the significance of diversification and the need for a balanced approach to retirement planning, ultimately encouraging listeners to consider their financial strategies carefully. Check out our...
2025-08-0424 minBeer & MoneyEpisode 311 - What are the Different Types of Life Insurance with Mark SanGiacomoIn this episode of Beer and Money, Ryan Burklo, Alex Collins, and Mark SanGiacomo delve into the complexities of life insurance, discussing its various types, the importance of income replacement, and how to determine the right amount of coverage. They explore the differences between term and permanent insurance, including whole life and universal life policies, emphasizing the need for personalized financial planning. The conversation highlights the significance of understanding insurance products, their benefits, and potential drawbacks, ultimately guiding listeners towards making informed decisions about their financial security. Check out our website: beerandmoney.net For a q...
2025-07-2840 minBeer & MoneyEpisode 310 - Top 3 Questions to Ask When Interviewing AdvisorsIn this episode of Beer and Money, Ryan Burklo and Alex Collins discuss essential questions to ask when searching for a financial advisor, particularly from the perspective of their mothers. They explore the importance of understanding the advisor's process, compensation models, and the need for coordination with other professionals. The conversation emphasizes trust, transparency, and the fiduciary responsibility of advisors, providing listeners with valuable insights for making informed decisions about their financial planning. Check out our website: beerandmoney.net For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/l...
2025-07-2115 minBeer & MoneyEpisode 309 - How to Prioritize So You Can Retire Part 2In this episode, Ryan Burklo and Alex Collins discuss the essential elements of prioritizing a financial plan. They emphasize the importance of cash flow, income protection, and the balance between savings rate and rate of return. The conversation also covers debt management strategies, the significance of estate planning, and the implications of asset location on taxes. The hosts provide actionable insights for listeners to enhance their financial strategies and ensure a secure financial future. Check out our website: beerandmoney.net For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/l...
2025-07-1444 minBeer & MoneyEpisode 308 - How to Prioritize So You Can Retire Part 1In this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the essential components of financial planning, focusing on the question many people ask: 'When can I be done working?' They emphasize the importance of understanding cash flow, income planning, protection strategies, asset management, and managing liabilities and taxes. The conversation highlights the need for a comprehensive approach to financial organization, ensuring that all aspects of a financial plan work together cohesively to support a desired lifestyle in retirement. Check out our website: beerandmoney.net For a quick assessment of your current f...
2025-07-0724 minBeer & MoneyEpisode 307 - Should You Overpay Your Mortgage? Part 2In this episode, Ryan Burklo and Alex Collins discuss the implications of overpaying a mortgage and explore alternative strategies for managing cash flow and financial planning in retirement. They emphasize the importance of flexibility in financial decisions, particularly regarding mortgage payments, and the role of life insurance in providing additional security and cash flow. The conversation highlights the need for strategic planning to address potential financial challenges in retirement, such as market volatility and unexpected expenses. Check out our website: beerandmoney.net For a quick assessment of your current financial life go to: https://www.l...
2025-06-3018 minBeer & MoneyEpisode 306 - Should You Overpay Your Mortgage? Part 1In this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the common financial question of whether individuals should overpay on their mortgages. They explore the implications of mortgage overpayment on cash flow, financial stress, and overall financial planning. The conversation emphasizes the importance of liquidity and how having access to cash can alleviate financial worries, especially as individuals approach retirement. Through various strategies, they illustrate how managing cash flow effectively can lead to better financial outcomes and peace of mind. Check out our website: beerandmoney.net For a quick assessment of your c...
2025-06-2319 minBeer & MoneyEpisode 305 - State of Washington Estate Tax: What You Need To Know NowIn this episode, Ryan Burklo and Alex Collins discuss the impending changes to the Washington State estate tax, including updates to the exemption limits and tax rates. They emphasize the importance of proper estate planning to navigate these changes effectively and ensure that individuals and families can protect their assets and minimize tax liabilities. The conversation highlights the need for coordination among financial advisors, estate planning attorneys, and CPAs to create a comprehensive estate plan that addresses both state and federal tax implications. Check out our website: beerandmoney.net For a quick assessment of your c...
2025-06-1621 minBeer & MoneyEpisode 304 - What is Index Investing?In this episode of Beer and Money, Ryan Burklo and Alex Collins delve into the intricacies of index investing, particularly focusing on the S&P 500. They discuss common misconceptions about index investing, the importance of diversification, and the risks associated with over-concentration in large-cap stocks. The conversation also touches on the differences between active and passive investing strategies, emphasizing the need for a well-rounded approach to portfolio management. The hosts aim to educate listeners on making informed investment decisions and understanding the market dynamics that can impact their financial future. Check out our website: beerandmoney.net
2025-06-0920 minBeer & MoneyEpisode 302 - Lessons From Our ClientsIn this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the valuable lessons learned from their experiences with clients over the years. They explore the importance of maintaining emotional balance, planning for both success and worst-case scenarios, and the significance of taking time for family and personal health. The conversation emphasizes the need for flexibility in financial planning and the evolving nature of personal goals. Check out our website: beerandmoney.net For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo Takeaways
2025-05-2619 minBeer & MoneyEpisode 301 - How Buffered ETFs Can Fit Into Your Financial PlanIn this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the role of buffered ETFs in financial planning. They explore the mechanics of buffered products, including their potential for equity exposure and downside protection. The conversation delves into how these products can be integrated into financial strategies, particularly for individuals nearing retirement or already retired. The hosts emphasize the importance of understanding the risks and returns associated with buffered ETFs and how they can provide flexibility in investment decisions. Check out our website: beerandmoney.net For a quick assessment of your current f...
2025-05-1923 minBeer & MoneyEpisode 300 - Retirement Strategies Beyond Market DependencyIn this episode, Ryan Burklo and Alex Collins discuss effective retirement planning strategies that ensure individuals are not solely dependent on market performance for their retirement income. They emphasize the importance of liquidity, market risks, and the need for a diversified approach to asset allocation. The conversation highlights various withdrawal strategies and the impact of market volatility on retirement savings, ultimately advocating for a balanced approach that mitigates risks while maximizing financial security. Check out our website: beerandmoney.net For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/l...
2025-05-1220 minBeer & MoneyEpisode 299 - To Roth or Not To Roth Part 3In this episode of Beer and Money, Alex Collins discusses the intricacies of converting traditional IRAs to Roth IRAs, including the types of conversions, strategies for implementation, and the tax implications involved. He emphasizes the importance of consulting with tax advisors and financial planners to navigate these decisions effectively. The conversation also covers the timing of conversions, potential costs, and unintended consequences as individuals approach retirement. Check out our website: beerandmoney.net For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo Check out your t...
2025-05-0515 minBeer & MoneyEpisode 298 - To Roth or Not To Roth Part 2In this episode of Beer and Money, Alex Collins discusses various strategies for contributing to Roth accounts, including Roth IRAs, Roth 401ks, backdoor Roths, municipal bonds, and permanent life insurance. He emphasizes the importance of consulting with tax professionals and understanding individual circumstances when choosing the best strategy for tax-free growth and withdrawals. Check out our website: beerandmoney.net For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo Takeaways Roth accounts use after-tax dollars for contributions. Roth IRA contribution limits are $7,000 per person p...
2025-04-2812 minBeer & MoneyEpisode 297 - To Roth or Not To Roth Part 1In this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the nuances of Roth accounts, focusing on when to contribute to them and the importance of understanding tax brackets. They explore the differences between marginal and effective tax rates, the significance of tax diversification, and strategies for funding Roth accounts. The conversation emphasizes the need for personalized financial planning and the impact of future income on tax strategies. Check out our website: beerandmoney.net For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo
2025-04-2116 minBeer & MoneyEpisode 294 - Finding My "Why" As A Financial Advisor - Alex CollinsIn this episode of Beer and Money, Alex Collins shares his personal journey in the finance industry, discussing his background, the importance of financial planning, and the impact of partnerships in his career. He emphasizes the significance of helping clients achieve their financial goals and the emotional aspects of financial planning, particularly in times of loss. Check out our website: beerandmoney.net For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo Takeaways Alex Collins has a strong foundation in finance from a young a...
2025-03-3112 minBeer & MoneyEpisode 292 - What is an Umbrella Policy?In this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the importance of umbrella policies in personal finance. They explain what an umbrella policy is, how it provides an extra layer of liability insurance beyond standard policies, and why it is crucial for protecting assets and income. The conversation also covers the cost-effectiveness of these policies and how to determine the right amount of coverage needed. The hosts emphasize the importance of consulting with financial and insurance professionals to ensure adequate protection against potential lawsuits. Check out our website: beerandmoney.net For a...
2025-03-1715 minBeer & MoneyEpisode 291 - Time to Talk about Exchange FundsIn this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the concept of exchange funds, particularly for individuals with concentrated stock positions. They explore the implications of holding large amounts of stock in a single company, the tax ramifications of diversifying, and various strategies to manage risk and enhance portfolio diversification. The conversation emphasizes the importance of working with financial and tax advisors to create a tailored strategy for managing concentrated stock positions. Check out our website: beerandmoney.net For a quick assessment of your current financial life go to: ht...
2025-03-1020 minBeer & MoneyEpisode 287 - Tariffs 101In this episode of Beer and Money, Ryan Burklo and Alex Collins delve into the complex topic of tariffs, exploring their definition, implications, and effects on businesses and the economy. They discuss the potential benefits and drawbacks of tariffs, including their impact on consumer prices and the risk of trade wars. The conversation emphasizes the importance of understanding market dynamics and preparing for economic volatility, particularly for small businesses and investors. Check out our website: beerandmoney.net For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo
2025-02-1014 minBeer & MoneyEpisode 282 - Understanding Recovery Rates in InvestingIn this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the often misunderstood concept of recovery rates in investing, particularly after market downturns. They explore the mathematical realities of recovering from losses, the importance of strategic retirement planning, and the need for a balanced approach to investing that includes both market and non-market assets. The conversation aims to debunk common myths about rate of return and emphasizes the significance of cash flow in retirement planning. Check out our website: beerandmoney.net For a quick assessment of your current financial life go to: h...
2025-01-0619 minBeer & MoneyEpisode 281 - Traversing The Estate Planning Maze with Rob BukacekIn this episode of Beer and Money, Ryan Burklo, Alex Collins, and estate planning expert Rob Bukacek discuss the intricacies of estate planning. They cover the importance of having a trust, the process of finding the right attorney, and how to prepare for meetings with legal professionals. The conversation emphasizes the need for proper documentation, the significance of choosing beneficiaries wisely, and the necessity of reviewing estate plans regularly. Listeners are encouraged to take proactive steps in their estate planning to ensure their wishes are honored and their loved ones are taken care of. Check out our...
2024-12-3037 minBeer & MoneyEpisode 278 - The Five Biggest Factors of Retirement PlanningIn this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the five biggest factors of retirement planning, emphasizing the importance of income streams, asset location, liquidity, tax distribution status, and tax strategy. They challenge the conventional focus on accumulating a large nest egg and encourage listeners to consider how their savings will translate into cash flow during retirement. The conversation highlights the need for a comprehensive approach to retirement planning that goes beyond just investment returns. Check out our website: beerandmoney.net For a quick assessment of your current financial life go t...
2024-12-0929 minBeer & MoneyEpisode 277- Navigating Investment Strategies After ElectionsIn this episode of Bearing Money, Ryan Burklo and Alex Collins discuss the implications of recent election results on investment strategies. They emphasize the importance of maintaining a long-term perspective in investing, regardless of political changes. The conversation highlights the emotional aspects of investing and how fear and greed can lead to poor financial decisions. They also analyze market trends and historical data to illustrate that external factors, rather than political leadership, significantly influence market performance. The episode concludes with a call to action for listeners to reflect on their investment strategies and emotional management. Check out our...
2024-12-0218 minBeer & MoneyEpisode 273 - Debunking Tax Deferral MythsIn this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the myths surrounding tax deferral, particularly the common belief that individuals will be in a lower tax bracket during retirement. They explore the implications of income growth over a career, the importance of tax planning, and strategies for managing tax efficiency in retirement. The conversation emphasizes the need for a balanced approach to retirement planning, considering both taxable and tax-free income sources. Takeaways Tax deferral is often misunderstood; it's not a one-size-fits-all model. Many believe they will be in a lower...
2024-11-0421 minBeer & MoneyEpisode 271 - How To Mitigate Investment RisksIn this episode of Beer and Money, hosts Ryan Burklo and Alex Collins welcome Joe Hegener, founder and CIO of Astrazoa Management, to discuss the current economic landscape, particularly focusing on falling interest rates and their implications. Joe shares his extensive background in finance, including his experiences at BlackRock and PIMCO, and provides insights into the effects of zero interest rates, inflation dynamics, and the potential risks facing the market. The conversation also delves into portfolio management strategies and the importance of diversification in today's economic environment. Takeaways Joe Hegener has extensive experience i...
2024-10-2138 minBeer & MoneyEpisode 270 - The Hidden Cost of InheritanceIn this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the critical topic of estate planning for parents. They explore the various challenges that arise when parents do not have proper estate planning documents in place, including tax implications, health concerns, and potential family conflicts. The hosts emphasize the importance of proactive planning and open communication between parents and their children regarding financial matters and estate planning. They also highlight the role of financial professionals in facilitating these discussions and ensuring that families are prepared for the future. Takeaways Estate p...
2024-10-1419 minBeer & MoneyEpisode 261 - The Impact of Inadequate Life InsuranceIn this episode, Ryan Burklo and Alex Collins discuss the importance of life insurance and how it can protect your family's financial future. They emphasize the need to consider how much life insurance to get based on the number of years of income you want to replace. The hosts use a hypothetical scenario to demonstrate the impact of life insurance on a couple's financial situation. They show that without adequate life insurance coverage, the surviving spouse may face a significant reduction in their standard of living. The episode concludes with a call to action for listeners to evaluate their...
2024-09-2326 minBeer & MoneyEpisode 267 - Planning With Cashflow In MindIn this episode, Ryan Burklo and Alex Collins discuss the importance of planning with cashflow in mind. They highlight the common focus on accumulating assets and net worth, rather than considering the income generated by those assets. They emphasize the need to think with the end in mind and prioritize cashflow, taxes, and asset distribution. The conversation explores the different tax categories (fully taxable, partially taxable, and non-taxable) and the importance of having flexibility in asset allocation. The hosts encourage listeners to consider their future financial goals and reach out for personalized analysis and guidance. Takeaways
2024-09-1619 minBeer & MoneyEpisode 266 - Is Volatility A Friend Or Foe?In this episode, Ryan Burklo and Alex Collins discuss the topic of volatility and whether it is a friend or a foe. They explore how volatility can be beneficial during the accumulation phase, as it allows for higher rates of return. However, as retirement approaches and withdrawals are made from the portfolio, volatility can become a risk. They also emphasize the importance of diversification and having a balanced portfolio across different asset classes. The hosts use examples and a sequence of return calculator to illustrate the impact of volatility on investment returns. They conclude by encouraging listeners to view...
2024-09-0927 minBeer & MoneyEpisode 264 - What Is A Trust?In this episode, Ryan Burklo and Alex Collins discuss the topic of trusts, specifically revocable and irrevocable trusts. They explain that a trust is like a folder where you can put assets that are owned by the trust rather than by you. They discuss the roles of the grantor, trustee, and beneficiary in a trust and the benefits of a revocable trust, such as probate avoidance and flexibility. They also explain the benefits of an irrevocable trust, including tax advantages and creditor protection. They emphasize the importance of regularly reviewing and updating estate plans. Takeaways ...
2024-08-2618 minBeer & MoneyEpisode 258 - The Location And Liquidity Of Your Wealth Can Be Just As Important As The AmountIn this episode, Ryan Burklo and Alex Collins discuss the factors that impact financial success, focusing on the location and liquidity of wealth. They explain that most people have two buckets of money: savings and retirement accounts. However, they emphasize the importance of having a midterm bucket, which provides liquidity and flexibility for life events and goals. They discuss the characteristics of each bucket and the need for balance and tax efficiency. They also introduce the concept of true liquidity, which involves having money in a separate account that is not correlated with the market. They provide examples and...
2024-07-1531 minBeer & MoneyEpisode 257 - The Impact of the Amount of Wealth on Financial SuccessIn this episode, Ryan Burklo and Alex Collins discuss the five factors that impact financial success. They focus on the first factor, which is the amount of wealth. While many people believe that the size of their assets is the most important factor, the hosts argue that it is actually one of the smallest factors when it comes to the efficiency of assets. They provide an example to illustrate this point, showing that the rate of return and distribution method have a greater impact on income in retirement. The hosts emphasize the importance of considering all five factors and...
2024-07-0819 minBeer & MoneyEpisode 256 - Would More Cash On Hand Get You More Return?In this episode, Ryan Burklo and Alex Collins discuss risk and volatility in investment portfolios. They emphasize the importance of investing for future income and the need to get the allocation and risk profile right. They explore the concept of volatility and how it relates to the movement of money in investment accounts. They also discuss the traditional two-legged stool model of investing in stocks and bonds, and the need to bring back a three-legged stool model that includes cash. They highlight the flexibility and choice that cash provides in managing unexpected expenses and investment opportunities. The episode concludes...
2024-07-0120 minBeer & MoneyEpisode 255 - What Is The Real Rate Of Return You Are Getting?In this episode, Ryan Burklo and Alex Collins discuss the concept of net rate of return and its impact on investment portfolios. They explore the real rate of return, inflation, asset allocation, and the importance of balance sheet allocation. The conversation delves into the significance of understanding and combating inflation to achieve long-term financial goals. If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net Takeaways Understanding the real rate of return is crucial for evaluating the true performance of an investment portfolio. Inflation erodes the...
2024-06-2416 minBeer & MoneyEpisode 254 - 4 Unique Ways To Fund Your Child's College EducationIn this conversation, Alex Collins discusses different strategies for funding a child's education. He explores the limitations of 529 plans and suggests alternative methods such as using real estate investments, cash value from life insurance policies, and Roth IRAs. The goal is to provide flexibility and options for funding education while also teaching children important life skills. It is important to work with professionals and consider various factors such as cash flow, liquidity, and taxes. If you would like to learn more about Quantified Financial Partners, please visit our website https://www.beerandmoney.net Takeaways
2024-06-1719 minBeer & MoneyEpisode 253 - How Will You Be Taxed in Retirement?In this episode, Ryan Burklo and Alex Collins discuss the concept of net rate of return and its impact on investment portfolios. They explore the real rate of return, inflation, asset allocation, and the importance of balance sheet allocation. The conversation delves into the significance of understanding and combating inflation to achieve long-term financial goals. Takeaways Understanding the real rate of return is crucial for evaluating the true performance of an investment portfolio. Inflation erodes the purchasing power of money, making it essential to combat inflation through strategic asset allocation. Balance sheet allocation...
2024-06-1020 minBeer & MoneyEpisode 250 - What Is Your Net After Tax Return?In this episode, Ryan Burklo and Alex Collins discuss the taxation component of net after-tax rate of return. They emphasize the importance of understanding the impact of taxes on investment returns over a long period of time. They use a visual representation to show the difference between gross and net growth of an investment portfolio after taxes. They highlight the significant impact that taxes can have on the final value of assets and the importance of considering taxation when making investment decisions. They also tease the next episode, where they will discuss strategies to increase cash flow in retirement...
2024-05-2017 minBeer & MoneyEpisode 248 - The Importance of Efficient Choices for Future FlexibilityIn this episode, Ryan Burklo and Alex Collins discuss the challenge of turning variable assets into a consistent income stream in retirement. They emphasize the importance of making efficient choices today to set oneself up for flexibility in the future. They explore the concept of promised-based assets, such as Social Security and pensions, which provide a steady income stream, and compare them to market-based assets, like stocks and bonds, which can be more volatile. They also discuss the risks of relying solely on market-based assets and the benefits of incorporating promised-based assets into one's retirement plan. The conversation highlights...
2024-05-0629 minBeer & MoneyEpisode 247 - The Importance Of Expanding Financial Knowledge Beyond Personal ExperiencesIn this episode, Ryan Burklo and Alex Collins discuss the importance of expanding financial knowledge beyond personal experiences. They highlight the influence of personal experiences on financial decision-making and the need to seek advice from professionals with broader expertise. The conversation emphasizes the significance of continuous learning and staying curious to challenge and update existing beliefs. They also stress the importance of looking at the entire financial picture and avoiding silo decision-making. The three main takeaways are: 1) Work with someone who has extensive financial knowledge and experience, 2) Continually learn and stay curious, and 3) Consider the entire financial picture and a...
2024-04-2923 minBeer & MoneyEpisode 243 - What Are Alternative Investments And Should I Own Them?In this episode, Ryan Burklo and Alex Collins discuss alternative investments and whether or not they are suitable for individual investors. They define alternative investments as those that do not fall into traditional categories like stocks, bonds, and cash. The hosts explain the concepts of correlation and standard deviation and how they relate to risk and diversification. They emphasize the importance of having a solid financial foundation, including an emergency fund, income protection, and liquidity, before considering alternative investments. The episode concludes with a reminder to prioritize balance sheet management before making investment choices. To learn more...
2024-04-0127 minBeer & MoneyEpisode 240 - What 3 Metrics You Should Use To Inspect How Financially Healthy You AreIn this episode, Ryan Burklo and Alex Collins discuss the metrics for analyzing financial health. They introduce the concept of top line being vanity, bottom line being sanity, and cash flow being reality. They emphasize the importance of measuring free cash flow, liquidity, and income protection to determine financial security. The hosts also challenge the traditional focus on rate of return as a metric and highlight the significance of control in financial decision-making. The episode concludes with a question for listeners to reflect on their own financial health metrics. If you would like to learn more about...
2024-03-1131 minBeer & MoneyEpisode 239 - The Best Way To Be Your BestIn this episode, Ryan Burklo and Alex Collins discuss the importance of knowing who you don't want to be in order to become the person you want to be. They explore the default path that many people follow and the need to break free from societal expectations. The conversation delves into the definition of success and the trap of focusing too much on money. They emphasize the importance of reevaluating goals and creating lasting memories with loved ones. The episode concludes with a question for listeners to consider and an invitation to reach out with their thoughts and topics...
2024-03-0426 minBeer & MoneyEpisode 238 - What Is A Good Tool To Track Your Finances?In this episode, Ryan Burklo and Alex Collins discuss the importance of tracking cash flow and steps to attain financial goals. They emphasize the need to understand abstract goals and how expenses play a role in achieving them. The hosts also highlight the use of technology in tracking expenses and recommend the Living Balance Sheet app. They discuss the importance of intentional decision-making when it comes to saving and investing money. Finally, they touch on the significance of protecting income, maintaining liquidity, and living debt-free. If you would like to learn more about Quantified Financial Partners, please...
2024-02-2621 minBeer & MoneyEpisode 237 - Do You Have Fixed Rate Handcuffs?In this episode, Ryan Burklo and Alex Collins discuss the impact of fixed interest rates on financial decisions. They explore how low interest rates can make people feel trapped in their current situations, whether it's buying a new home or making big purchases like cars. The hosts provide three solutions for homeowners, including renting, buying down the interest rate, or managing cashflow. They also discuss the importance of looking at the bigger picture when it comes to interest rates and financial moves. Finally, they emphasize the need to focus on long-term goals and not get caught up in short-term...
2024-02-2026 minBeer & MoneyEpisode 235 - Cash Flow ConceptsSummary In this episode, Ryan Burklo and Alex Collins discuss the number one problem for most people with their personal finances: cash flow. They explore the default cash flow management system that most people use, where income goes directly into a checking account and expenses are paid from there. They highlight the importance of interrupting the spending circuit and building a reserve to cover one-time expenses. They also discuss the power of saving rates and how incremental changes and systematic savings can lead to significant wealth accumulation over time. If you would like to learn...
2024-01-2920 minBeer & MoneyEpisode 233 - Another Tax Efficient Distribution MethodSummary In this episode, Ryan Burklo and Alex Collins continue their discussion on turning assets into income in retirement. They emphasize the importance of understanding this process early on, even if retirement is still far away. The conversation covers various tax reduction strategies, including the use of investment dollars and annuitization of assets. They also highlight the need for balance and flexibility in retirement planning, as well as the limitations and considerations of different strategies. The episode concludes with a discussion on the 4% rule and the importance of understanding the difference between distribution rate and rate of...
2024-01-1620 minBeer & MoneyEpisode 232 - Tax Efficient DistributionIn this episode, Ryan Burklo and Alex Collins discuss how money is taxed in retirement. They emphasize the importance of considering both current and future taxation when making financial plans. They provide a historical overview of federal income tax brackets and highlight the impact of major events on tax rates. The hosts also explain the difference between marginal and effective tax rates. They introduce the concept of the amortization of an asset strategy and compare the outcomes of interest-only and principal-and-interest approaches. The episode concludes with key takeaways and a question for listeners to consider. The beer...
2024-01-0832 minBeer & MoneyEpisode 231 - How Much True Liquidity Do You Have?Summary In this episode, Ryan Burklo and Alex Collins discuss the concept of true liquidity and its importance in retirement planning. They explain that true liquidity goes beyond cash reserves and savings, and involves considering what assets will be accessible and how to turn them into income during retirement. They highlight the risks of relying solely on market-based assets for income in retirement and the potential for compounding losses. The hosts introduce the concept of true liquidity as a way to mitigate these risks by having a separate bucket of money that is not correlated with the...
2024-01-0224 minBeer & MoneyEpisode 230 - What Is Your Investment Philosophy?Summary In this episode, Ryan Burklo and Alex Collins discuss investment philosophy and the different approaches to investing. They cover three main styles: active management, passive management, and structured management. They also touch on the importance of investment structure and aligning investments with personal values. The hosts emphasize the need for a balanced approach to investing and setting up a solid financial foundation. Takeaways Understanding your investment philosophy is crucial for making informed investment decisions. Active management involves hiring an asset manager to make investment decisions based on market analysis. Passive...
2023-12-2730 minBeer & MoneyEpisode 207 - Alex Interviews Nick DominoIn this episode, Alex Collins interviews Nick Domino, an Investment Advisor at Park Avenue Securities. He and Alex discuss 401Ks. The beer of the day is 3 Fonteinen Belgian Beer. If you would like to learn more about this beer, please visit their website https://www.3fonteinen.be/en/ If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net
2023-07-1730 minBeer & MoneyEpisode 18 - Joe McGrath Interview about Student LoansIn this re-release of an earlier podcast, Alex Collins interview Joe McGrath about the importance of understanding student loans and the best ways to take out loans for college. If you have any questions for Alex or want to learn more about Quantified Financial and how we can help you plan for your or your children's college, please visit our website at www.beerandmoney.net
2021-11-0726 minBeer & MoneyEpisode 109 - How Much Life Insurance do You Need?In this week's episode, Ryan and Alex discuss the importance of life insurance. How much life insurance do you and your family need? The beer of the week is Trippel from New Belgium Brewing in Fort Collins, CO. If you want to learn more about this beer, visit their website https://www.newbelgium.com/beer/trippel If you want to learn more about Quantified Financial Partners or speak to Alex or Ryan, please visit our website www.beerandmoney.net
2021-08-1525 minBeer & MoneyEpisode 95 - Sacrifice vs InvestmentIn this week's episode, Ryan and Alex discuss sacrifice vs investment when it comes to your finances and savings habits. Are you the type of person that looks at savings as a sacrifice or an investment in your future? Ryan and Alex are also drinking the beer Blood Orange Smith & Weizen from Crucible Brewing Company in Everett, Washington. You can find their website at https://www.cruciblebrewing.com If you would like to reach out to Alex or Ryan, please visit our website www.beerandmoney.net
2021-05-0912 min
The PrimeLife PodcastThe Mile 55 Mentality with Conor O'Keeffe!Hello and welcome to another episode of the PrimeLife podcast. I am your host Alex Collins and joining me in today's conversation is Ultra Endurance Athlete and Mental Health Advocate, Conor O’Keeffe.
In this episode, we talk about Conor’s journey from competing in Muay Thai fighting events to winning the Endurman 200, a 200-mile ultra-endurance marathon race, based here in Ireland.
We also dive deeper into his passion for personal development and personal growth and discuss some of his practices and values that he implements on a daily basis that helps him appreciate life more and ultimately live life to t...
2020-11-171h 12Beer & MoneyEpisode 70 - What is a Stock?In last week's podcast, Alex and Ryan discussed what bonds were and why you have them in your portfolio. This week they cover stocks, what they are, why you own them and how they enhance your portfolio. If you have any questions about this episode or if you would like to reach out to Alex or Ryan, please visit our website www.beerandmoney.net to schedule an appointment or send us an email.
2020-11-1518 minBeer & MoneyEpisode 69 - What is a Bond?Do you know what a bond is? Do you have them in your portfolio or hear people talk about them and are not sure what they are or how they work? In this week's podcast, Ryan and Alex break down what a bond is and why people add them to their investment portfolio. If you have any questions about this podcast or would like to talk to Ryan or Alex or schedule a meeting with them, please visit our website www.beerandmoney.net
2020-11-0821 minBeer & MoneyEpisode 68 - Promised Based vs Market Based AssetsIn this week's podcast, Ryan and Alex discuss assets and which are promised based vs market based. Do you know the difference? If you have any questions about this episode or want to reach out to Alex or Ryan and schedule an appointment, please visit our website www.beerandmoney.net You can also answer the question of the day and find all of our other podcasts.
2020-11-0121 minBeer & MoneyEpisode 67 - What investment decisions are you making emotionally?In this week's podcast, Ryan and Alex discuss what investment decisions you are making and how or why you make them. Are you deciding where to put your money based on sound rational or are these emotional decisions? If you have any questions for Ryan or Alex or want to reach out to schedule an appointment, please visit our website www.beerandmoney.net where you can email us or answer the question of the day.
2020-10-2516 minBeer & MoneyEpisode 66 - What are you using to objectively measure where you stand financially?In this week's podcast, Ryan and Alex discuss what you are using to measure where you stand financially. Do you know how much money you are saving? Do you know why you are putting your money where? If you have any questions about this podcast or if you want to reach out to Alex or Ryan or schedule an appointment with them, please visit our website at www.beerandmoney.net
2020-10-1829 minBeer & MoneyEpisode 65 - What's in Your Portfolio?In this week's podcast, Ryan and Alex discuss what is your portfolio, how stocks rise and decline in price and why you are making those choices. If you have any questions about this podcast or would like to learn more about us, please visit our website at www.beerandmoney.net You can answer the question of the day or make an appointment with Alex or Ryan at our website as well.
2020-10-1132 minBeer & MoneyEpisode 64 - What Drives the Return in Your Portfolio?In this week's episode, Ryan and Alex continue their discussion on your portfolio by asking "What drives the return in your portfolio?" This is the third episode in this series, so go back and listen to the last two if you haven't yet. If you have any questions about this podcast episode or want to get in touch with Alex or Ryan, please visit our website www.beerandmoney.net to make an appointment or learn more about us.
2020-10-0423 minBeer & MoneyEpisode 63 - What's the Difference Between the Market and the EconomyDo you know the difference between the stock market and the economy? In this week's podcast, Ryan and Alex discuss the difference and why you should pay attention to both but for different reasons. If you have any questions about this podcast or want to reach out to Alex or Ryan or make an appointment, please visit our website at www.beerandmoney.net
2020-09-2723 minBeer & MoneyEpisode 62 - What are You Comparing Your Portfolio to?In this week's podcast, Ryan and Alex ask what you are comparing your portfolio against. Is it the S&P 500 Index or the Dow Jones Industrial? Do you know why you are invested in what you are currently invested in? If you have any questions about this week's podcast or want to reach out to Alex or Ryan, please visit our website www.BeerandMoney.net where you can make an appointment or email us.
2020-09-2022 minBeer & MoneyEpisode 61 - Strategies for College PlanningIn the third episode of the series on how to fund your child's college, Ryan and Alex discuss the Strategies for College Planning. If you have not listened to the other two episodes, go back and find those on our website www.beerandmoney.net You can also make an appointment or check out our articles on College Planning in 2020. Reach out and let Alex or Ryan know if you have any questions or want to speak with someone about your finances.
2020-09-1318 minBeer & MoneyEpisode 60 - Funding Vehicles for College PlanningIn this second podcast of the series on College Planning, Ryan and Alex discuss different ways to pay for your child's college. If you haven't thought about anything other than a 529, there are many ways you can pay with and without certain tax implications. If you would like to discuss this more with Alex or Ryan, please visit our website at www.beerandmoney.net to make an appointment or email us.
2020-09-0622 minBeer & MoneyEpisode 59 - 3 Things More Important Than a 529 PlanMost people with children begin thinking about how to pay for college and start looking at a 529 Plan, but there are 3 other things that you need to look at first. In this episode of Beer & Money, Ryan and Alex discuss the 3 items you need to take care of before you look into a 529 Plan. If you have any questions for Alex or Ryan or would like to schedule an appointment, please visit our website at www.beerandmoney.net
2020-08-3013 minBeer & MoneyEpisode 58 - Should I Refinance to Take Advantage of Low Rates?Should you refinance with interest rates at an all time low? In this week's podcast, Ryan and Alex discuss this important topic. If you have any questions about us or want to learn more, please visit our website at www.beerandmoney.net You can schedule an appointment with Ryan or Alex or find links to our social media pages.
2020-08-2320 minBeer & MoneyEpisode 57 - Not all debt is bad debtIn this week's podcast, Ryan and Alex discuss debt and how not all debt is bad debt. If you have any questions about this episode or want to get in touch with Alex or Ryan, please visit our website www.beerandmoney.net to make an appointment, answer the question of the day or just reach out.
2020-08-1622 minBeer & MoneyEpisode 55 - Implementing a Financial Wellness ProgramHave you ever considered implementing a financial wellness program at your company or do you wish that your company offered one? In this week's podcast, Ryan and Alex discuss the positives for having a financial wellness program for employers and employees. If you have any questions about this podcast or want to reach out to Alex or Ryan about starting a financial wellness program, visit our website at www.beerandmoney.net to schedule an appointment or learn more about us.
2020-08-0219 minBeer & MoneyEpisode 54 - Why Hire an AdvisorHave you ever considered hiring a financial advisor? Do you know why you should or should not? In this week's podcast, Ryan and Alex break down the reasons you should consider it or the reasons you should hold off. If you have any questions about this podcast or want to reach out to Alex or Ryan, please visit our website at www.beerandmoney.net to make an appointment or learn more about us.
2020-07-2619 minBeer & MoneyEpisode 53 - Thinking of Investing during a Market DownturnAre you thinking about whether or not you should invest in the stock market right now? In this week's podcast, Alex and Ryan discuss the 5 things you should take a look at before you do. If you have any questions about this podcast episode or want to reach out to Alex or Ryan, please visit our website at www.beerandmoney.net where you can make an appointment or learn more about us.
2020-07-1919 minBeer & MoneyEpisode 52 - Are you Afraid you will never be able to retire?This week's podcast covers a topic that many people are contemplating right now with the market in flux and unemployment so high. Ryan and Alex talk about people's fear about not being able to retire and what you can do about it today. If you have any questions about this podcast or want to reach out to Alex and Ryan, please visit our website www.BeerandMoney.net to schedule and appointment.
2020-07-1227 minBeer & MoneyEpisode 51 - How much income protection do you need?In this week's podcast, Ryan and Alex discuss income protection. Do you know what income protection is? Do you know how much you need for your family? If you have any questions about this podcast or want to speak with Ryan or Alex, please visit our website at www.beerandmoney.net to learn more about Quantified Financial Partners or schedule an appointment.
2020-07-0531 minBeer & MoneyEpisode 50 - What's your financial blueprint?In this episode, Ryan and Alex discuss your financial blueprint. Do you have one? Would you know how to create your own? If you have questions about this episode or want to learn more about Beer & Money, please visit our website www.beerandmoney.net to learn more about Quantified Financial Partners and make an appointment with Alex or Ryan.
2020-06-2823 minBeer & MoneyEpisode 49 - Basics of Financial PlanningIn this week's podcast, Ryan and Alex go back to discussing the basics of financial planning. Do you know what the basics are? Do you know how to plan your finances now and for retirement? If you would like to reach out to Alex or Ryan, to make an appointment, ask questions about this week's podcast or if you just want to learn more about us, please visit our website www.beerandmoney.net
2020-06-2125 minBeer & MoneyEpisode 48 - Do You have a financial quarterback?In today's podcast, Ryan and Alex discuss having a financial quarterback. Most of us have at least one person in our life that talks to us about our finances. Who is this person in your life? Are they helping you realize your best financial picture? If you want to reach out to Alex or Ryan or if you want to learn more about us, please visit our website www.beerandmoney.net and there you can also answer the question of the day.
2020-06-1426 minBeer & MoneyEpisode 47 - Have a good life now and a better life later part 2In this week's podcast, Ryan and Alex discuss more about how to have a good life now and a better life later by planning financially. You can still have things that you want now by financially planning and set yourself up to have a good retirement. If you have questions about this week's podcast or want to reach out to Ryan and Alex, please visit our website at www.beerandmoney.net
2020-06-0725 minBeer & MoneyEpisode 45 - Have a good life now and a better life laterIn this week's episode, Ryan and Alex discuss how to have a good life now and a better life later by working on your finances and understanding what is important. The question they answer is why don't people like to plan their finances. If you have questions about this podcast or want to talk to Ryan of Alex, please visit our website www.beerandmoney.net
2020-05-2421 minBeer & MoneyEpisode 44 - Do you have assets that aren't being affected by market volatility? part 2In this week's podcast, Ryan and Alex continue their discussion on market volatility and having assets that are not affected by what is happening right now. This is part 2 of this discussion, so go back and listen to episode 43 if you have not already. If you have any questions about this podcast or want to get into contact with Ryan or Alex, visit our website www.beerandmoney.net
2020-05-1716 minBeer & MoneyEpisode 43 - Do you have assets that aren't being affected by market volatilityIn this week's episode, Ryan and Alex discuss assets that are not affected by volatility in the stock market. They pose the question, do you have these assets in your portfolio and talk about why you should. If you have any questions about this podcast or want to get in touch with Ryan or Alex, visit our website at www.beerandmoney.net
2020-05-1018 minBeer & MoneyEpisode 39 - Rules of InvestingIn today's episode, Ryan and Alex discuss the Rules of Investing. Even more important during a tumultuous time like now, sticking to these rules is vital for a healthy portfolio. If you would like to reach out to Alex or Ryan, want to schedule an appointment to talk with them or just have a question about this episode, visit our website at www.beerandmoney.net
2020-04-1231 minBeer & MoneyEpisode 37 - How do you create income in retirement part 4In the final part of this four part series, Ryan and Alex discuss the ways in which you can create income in retirement. This podcast is good for anyone, whether you are close to retirement or years away. If you have any questions about this podcast, or would like to learn more about Ryan and Alex or contact them to make an appointment, visit www.beerandmoney.net and find information on how to reach out or leave us a comment.
2020-03-2934 minBeer & MoneyEpisode 36 - How do you create income in retirement part 3This is the third part of a four part series on ways to create income in retirement. In this episode, Ryan and Alex discuss the bucket method as one of those ways. If you have any questions about this podcast or if you want to contact Ryan or Alex, visit us at www.beerandmoney.net
2020-03-2320 minBeer & MoneyEpisode 35 - How to create income in retirement part 2This is the second episode in the series How to create income in retirement. In this week's podcast, Ryan and Alex discuss amortization and annuitization as two methods of creating income after your working years. If you have questions about this podcast or want to get in contact with Ryan or Alex, visit Beerandmoney.net and find ways to get in touch there as well as answer the question of the day.
2020-03-1521 minBeer & MoneyEpisode 34 - How do you create income in retirement part 1Ryan and Alex are recording a series of podcasts on how you can create income in retirement. This is the first episode in the series and they will discuss the 4% method and the safe withdrawal rate. If you are nearing retirement or even if you are not there yet, thinking about retirement and how you are going to be able to afford your life, this episode is for you. If you have more questions or want to reach out to Ryan and Alex, visit their website at beerandmoney.net
2020-03-0821 minBeer & MoneyEpisode 33 - Roth, to convert or not convertIn this week's episode, Ryan and Alex discuss Roth conversions and if you should or shouldn't consider doing this. They have become more popular with the tax changes, but they are not a good idea for everyone. If you have any questions about this podcast, or just want to get in touch with Ryan and Alex, go to www.beerandmoney.net and find ways to get more information.
2020-03-0115 minBeer & MoneyEpisode 30 - 7 Biggest Financial Mistakes Part 2This is the second part in a two part episode where Ryan and Alex break down the top 7 financial mistakes many of their clients have told them they have made. If you haven't listened to episode 29 yet, go back and listen to that one first. This episode covers the last 3 mistakes. Ryan and Alex also wrote a booklet on these 7 financial mistakes and you can get a copy of this booklet by clicking HERE or by going to our website and scrolling down on the homepage, www.QuantifiedFinancial.com
2020-02-0918 min
The PrimeLife PodcastEpisode 4 - Grace O'RourkeThis is episode 4 of the AC Podcast – my name is Alex Collins and my guest today is truly an inspirational woman who I had the absolute pleasure of speaking with, Grace O’Rourke.
So just to give a small bio on Grace before we get stuck into the podcast, Grace was the joint winner of RTE’s Ultimate Hell week and was the first woman in the history of the state to pass the elements of the Irish Rangers selection process.
Now her interest to join the army all began back in 4th year of second...
2019-11-1751 min
Beer & MoneyEpisode 003 - What are my financial priorities?We want you to enjoy your life and enjoy the money that you make. How do you do this? There are several steps that you need to follow to make sure you are making good decisions. We will cover these steps over two podcasts. The first part is all about savings and protection. Alex and Ryan will guide you to looking at how you are protecting your income so that you and your family can enjoy life for years to come. This podcast is for informational purposes only and is not to be construed as t...
2019-07-3024 min
Beer & MoneyEpisode 002 - What do I do with my bonus or RSU?It's bonus season and you suddenly find yourself with extra money. How do you spend it wisely, where do you invest it, how can you make a good decision to create financial balance? Ryan and Alex will help you think before you spend and simplify your financial life. This podcast is for informational purposes only and is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary. Therefore, the information should be relied upon only when c...
2019-07-3026 min