Shows
Beer & 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/RyanBurklo2025-04-2116 minBeer & MoneyEpisode 296 - 5 Things To Help You Financially Plan for Retirement Part 2In this episode of Beer and Money, Ryan Burklo discusses essential aspects of retirement planning, focusing on cash flow, taxation, and the risks associated with relying solely on market returns. He emphasizes the importance of setting up a flexible balance sheet to ensure financial security in retirement, while also addressing legacy objectives and minimizing tax liabilities. 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 We care about the highest cash flow to live the life w...2025-04-1412 minBeer & MoneyEpisode 295 - 5 Things To Help You Financially Plan for Retirement Part 1In this episode of Beer and Money, Ryan Burklo discusses the essential elements of retirement planning, emphasizing the importance of making informed decisions today to secure a successful retirement in the future. He outlines key factors that individuals should consider when saving for retirement, including income needs, tax implications, and the desire to leave a legacy. The episode also delves into asset allocation strategies and the use of Monte Carlo simulations to assess the risk of outliving one's savings. Ryan concludes by hinting at future discussions on cash flow strategies and retirement planning techniques. Check out our...2025-04-0711 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 293 - Finding My "Why" as a Financial Advisor - Ryan BurkloIn this episode of Beer and Money, Ryan Burklo shares his personal journey and professional evolution into financial advising. He discusses his background, the importance of understanding client goals, and the role of effective communication in financial planning. Ryan emphasizes that financial planning is not just about money, but about helping clients achieve their desired lifestyles and 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 Ryan Burklo shares his personal story to build t...2025-03-2411 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 290 - 2 Misunderstandings about DividendsIn this episode of Beer & Money, Ryan Burklo discusses two common misunderstandings about dividends. He explains what dividends are, how they affect stock prices, and the tax implications associated with them. The episode aims to educate listeners on the nuances of dividends, emphasizing the importance of understanding their impact on investments and taxes. 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 Dividends are payments made by companies to shareholders from profits. When dividends a...2025-03-0308 minBeer & MoneyEpisode 289 - Are You Inheriting an IRA?In this episode of Beer and Money, Ryan Burklo discusses the recent changes to the rules governing inherited IRAs, particularly focusing on the new 10-year rule that requires non-spouse beneficiaries to deplete inherited accounts within a decade. He explains the implications of this rule, exceptions for certain beneficiaries, and the importance of tax strategies when managing inherited funds. The episode emphasizes the need for financial planning and awareness of IRS regulations to avoid penalties and optimize tax efficiency. Check out our website: beerandmoney.net For a quick assessment of your current financial life go to: h...2025-02-2408 minBeer & MoneyEpisode 288 - How to Maximize Your HSAIn this episode of Beer and Money, Ryan Burklo discusses the importance and benefits of Health Savings Accounts (HSAs). He explains the qualifications for opening an HSA, the contribution limits, and the unique triple tax advantage that HSAs offer. Ryan emphasizes the potential for long-term growth and the importance of investing the funds within an HSA for future medical expenses, especially in retirement. He also highlights common misconceptions about HSAs and encourages listeners to take advantage of this financial tool for better health expense management. Check out our website: beerandmoney.net For a quick assessment o...2025-02-1709 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/RyanBurklo2025-02-1014 minBeer & MoneyEpisode 286 - The 5 Principles of InvestingIn this episode, Ryan Burklo discusses the five essential principles of investing, emphasizing the importance of having a well-structured balance sheet, understanding risk, diversifying investments, rebalancing portfolios, and maintaining good behavioral finance practices. He highlights how these principles can help investors navigate market fluctuations and achieve long-term financial success. 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 Your balance sheet should be set up appropriately before investing. Having an emergency fund is crucial b...2025-02-0321 minBeer & MoneyEpisode 285 - Let's Talk about Taxes Pt 3In this episode of Beer andMoney, Ryan Burklo discusses various tax strategies for retirement, emphasizing the importance of planning with the end in mind. He explores the implications of different income needs, the 4% withdrawal rule, and compares various tax strategies including amortization and annuities. The conversation highlights how where you place your money can significantly impact your tax bracket and overall financial health in 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 Takeaways Understanding t...2025-01-2727 minBeer & MoneyEpisode 284 - Let's Talk about Taxes Pt 2In this episode of Beer and Money, Ryan Burklo discusses the importance of tax planning for retirement. He emphasizes the need to understand the net after-tax income and how different retirement accounts, such as traditional and Roth accounts, affect future tax liabilities. The conversation includes a visual representation of a fictitious client's financial situation, highlighting the distribution of taxable and non-taxable assets. Ryan encourages listeners to consider their own financial pie charts and the implications of their current saving strategies on future tax outcomes. Check out our website: beerandmoney.net For a quick assessment of y...2025-01-2012 minBeer & MoneyEpisode 283 - Let's Talk about Taxes Pt 1In this episode of Beer and Money, Ryan Burklo discusses the intricacies of the tax system, focusing on the differences between marginal and effective tax rates, how bonuses are taxed, and the implications of choosing between traditional and Roth retirement accounts. He emphasizes the importance of understanding these concepts for effective tax planning and long-term financial strategy. 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 Understanding the difference between marginal and effective tax rates i...2025-01-1311 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 280 - Understanding Obligations & GoalsIn this episode of Beer and Money, Ryan Burklo discusses the concept of obligations that individuals actually want to have in their lives. He emphasizes the importance of understanding personal goals beyond traditional financial aspirations, such as retirement and education for children. Ryan encourages listeners to reflect on their current obligations and how they align with their desired lifestyle, particularly in relation to family time and personal health. He shares personal anecdotes about his own experiences with work-life balance and the compromises he has made, ultimately urging listeners to consider how their financial choices can better support their values...2024-12-2312 minBeer & MoneyEpisode 279 - Inheritance vs InvestmentIn this episode of Beer and Money, Ryan Burklo discusses the critical distinction between inheritance and investment, drawing from a transformative conversation with a mentor. He emphasizes the importance of investing in children today rather than solely focusing on leaving an inheritance. The discussion highlights how experiences and values can shape financial education and generational wealth, ultimately leading to a more meaningful legacy. 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 Inheritance is typically r...2024-12-1609 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 276 - Let's Chat about Self-InsuranceIn this episode of Beer and Money, Ryan Burklo discusses the concept of self-insurance, exploring its relevance and practicality in various scenarios. He provides examples of when self-insurance may be beneficial, such as in auto insurance and liability coverage, while also emphasizing the importance of protecting significant financial risks. The conversation highlights the balance between saving money and ensuring financial security, ultimately guiding listeners to make informed decisions about their insurance needs. 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...2024-11-2512 minBeer & MoneyEpisode 275 - The Power of a Wealth Building AccountIn this episode of Beer and Money, Ryan Burklo discusses the importance of a cashflow management system, emphasizing the need for individuals to understand the purpose of their money and how to manage it effectively. He introduces the concept of a Wealth Building Account (WBA) to help listeners capture savings automatically and make informed decisions about their spending. The conversation highlights the impact of income growth on savings and encourages listeners to rethink their financial strategies for better wealth accumulation. Check out our website: beerandmoney.net For a quick assessment of your current financial life go to: https://www...2024-11-1817 minBeer & MoneyEpisode 274 - Top 3 Mistakes of Estate Plans with Rob BukacekIn this episode of Beer and Money, Ryan Burklo and estate planning expert Rob Bukacek discuss the critical importance of estate planning, sharing personal experiences that led them to focus on this often-overlooked area of financial planning. They delve into the complexities of probate, the differences between wills and trusts, and the strategic considerations necessary for effective estate planning. The conversation highlights common mistakes individuals make in their estate plans and emphasizes the importance of retitling assets to ensure that estate plans function as intended. Listeners are encouraged to reflect on their own estate planning needs and the implications...2024-11-1136 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 269 - Building Wealth Strategies for SuccessIn this episode, Ryan Burklo discusses the concept of risk tolerance in investing, emphasizing the importance of understanding both market risks and personal financial situations. He highlights the need for a balanced approach to investments, including the role of liquidity in a balance sheet, and how these factors play a crucial role in retirement planning. The conversation also touches on the psychological aspects of investing, such as recency bias, and the necessity of having a comprehensive view of one's financial health to make informed decisions. Takeaways Risk tolerance has evolved over the decades. Bonds...2024-10-0718 minBeer & MoneyEpisode 268 - Implications Of The Recent Federal Reserve Interest Rate CutIn this episode of Beer and Money, Ryan Burklo discusses the implications of the recent Fed rate cut on personal finance. He explains how the cut affects borrowing costs and savings rates, emphasizing the importance of a long-term financial strategy. Ryan introduces the concept of having three distinct financial buckets to manage money effectively, ensuring flexibility and resilience against fluctuating interest rates. The conversation highlights the need for a balanced approach to financial planning, especially in light of changing economic conditions. Takeaways The Fed rate cut lowers borrowing costs but also affects savings rates....2024-09-3011 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 265 - Top 5 Reasons People Struggle FinanciallyIn this episode, Ryan Burklo discusses the top reasons why people struggle financially. He emphasizes that these reasons are not meant to point fingers or judge, but rather to provide insights and reminders about making intentional financial decisions. The five main reasons discussed are: low income, spending too much on housing or rent, spending too much on a car, spending too much on debt, and taking extravagant vacations. The key takeaway is to align spending with personal values and live within one's means. Takeaways Financial struggles can happen to anyone, and it's important to approach...2024-09-0312 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 263 - Tax Status Of Retirement AccountsIn this episode, Ryan Burklo discusses the tax status of retirement accounts and the importance of considering taxes when planning for retirement. He explains the different tax statuses of assets, including fully taxable, partially taxable, and non-taxable. Ryan emphasizes the preference for having a majority of assets in the non-taxable category. He explores strategies for shifting assets from taxable to non-taxable, such as asset shifting and cashflow shifting. Ryan also highlights the need to think with the end in mind and consider flexibility in retirement. Takeaways Consider the tax status of your retirement accounts when...2024-08-1910 minBeer & MoneyEpisode 262 - 15 Minutes To Save You Millions Instead Of 15%In this episode, Ryan Burklo discusses the importance of protection in the form of property and casualty insurance. He highlights how these insurance policies often overlook the individual's net worth and income. Ryan explains the significance of umbrella insurance policies that provide additional liability coverage beyond the standard auto and home insurance policies. He also emphasizes the need to consider high-value items and schedule them on the home insurance policy. Lastly, Ryan suggests creating a video inventory of personal belongings to simplify the claims process in case of a disaster. Takeaways Protection of income is...2024-08-1211 minBeer & MoneyEpisode 260 - Tax Strategies In RetirementIn this episode, Ryan Burklo discusses distribution tax strategies for retirement planning. He compares two different approaches: an interest-only approach and an amortization/spend-down strategy. He explains the tax implications of each strategy and demonstrates how the spend-down strategy can result in higher net after-tax income. Burklo emphasizes the importance of understanding tax strategies and the location of your money in order to make informed decisions about retirement planning. Takeaways Understanding tax strategies is crucial for maximizing net after-tax income in retirement. The interest-only approach can result in a higher risk of outliving your...2024-07-2921 minBeer & MoneyEpisode 259 - The Impact of Distribution Tax Status on Financial SuccessIn this episode, Ryan Burklo discusses the distribution of tax status as a factor that impacts financial success. He emphasizes the importance of understanding how your assets will be taxed when you retire and how that affects the net income you receive. He explains the concept using a sample client's financial balance sheet and discusses the different types of taxable and tax-free income. The goal is to have a balanced pie chart with a mix of partially taxable, fully taxable, and non-taxable income. Ryan encourages listeners to think with the end in mind and seek guidance from advisors who...2024-07-2214 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 252 - How Do Taxes Work?In this episode, Ryan Burklo discusses tax brackets and how they work. He explains the difference between marginal and effective tax rates and emphasizes the importance of understanding how taxes work when deciding where to put your money. Burklo provides an example of tax brackets for a married filing jointly tax code and calculates the total tax amount due. He also discusses the implications of different types of accounts, such as qualified accounts and Roth accounts, on taxes. Burklo concludes by highlighting the importance of considering tax strategies for retirement and the difference between growing wealth and distributing wealth...2024-06-0311 minBeer & MoneyEpisode 251 - The Importance of True Liquidity in RetirementIn this episode, Ryan Burklo discusses the importance of true liquidity in retirement. He explains that while pre-retirement, short-term volatility can be addressed due to a longer time horizon, withdrawals from market-based assets in retirement can compound the effect of market losses and increase the risk of running out of money. Burklo provides an example to illustrate this concern. He suggests setting up a true liquidity fund alongside retirement accounts to have access to funds that are not correlated with the market. Burklo emphasizes the need to set up this fund prior to retirement to manage risks and live...2024-05-2710 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 245 - The Single Biggest Factor To Financial SuccessIn this episode, Ryan Burklo discusses the single biggest factor that contributes to financial success: managing cashflow. He highlights the flawed cashflow management system that most people have, where income increases are often accompanied by lifestyle inflation. Using a 30-year time horizon and a 5% average income increase, Ryan demonstrates how a 1% difference in lifestyle inflation can significantly impact wealth accumulation. By managing cashflow and keeping lifestyle inflation in check, individuals can save and invest more, leading to a substantial increase in their nest egg over time. If you would like to learn more about Quantified Financial Partners, p...2024-04-1514 minBeer & MoneyEpisode 244 - Which Asset Class Is The Best?In this episode, Ryan Burklo discusses investment portfolios and the importance of diversification and asset classes. He introduces a tool for analyzing the performance of different asset classes over a 50-year period. Burklo highlights the potential growth of portfolios invested in asset classes such as US small value stocks. He emphasizes the challenge of predicting which asset class will perform the best in any given year and the need for a diversified portfolio. Burklo encourages listeners to analyze their own portfolios and consider the asset classes they are invested in. To learn more about Quantified Financial Partners, p...2024-04-0810 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 242 - 4 Factors That Have The Greatest Impact On Financial SuccessIn this episode, Ryan Burklo discusses the four factors that impact financial success: the amount of wealth, location of wealth, true liquidity ratio, and taxes. He emphasizes the importance of considering these factors when planning for retirement and making financial decisions. Ryan also highlights the significance of controlling cash flow and spending money on things that are valued. By understanding and optimizing these factors, individuals can improve their financial well-being and achieve their desired lifestyle. Takeaways The amount of wealth is important for financial flexibility, but it is not the only factor that impacts financial...2024-03-2523 minBeer & MoneyEpisode 241 - Interview With Estate Planning Attorney Katie LudwickIn this episode, Ryan Burklo interviews Katie Ludwick, an estate planning attorney, about estate planning. They discuss the potential changes to the federal estate tax, the Washington state estate tax, and the importance of proactive planning. They also explore estate planning techniques for minimizing taxes and ensuring liquidity. The conversation highlights the pitfalls of online estate planning services and emphasizes the need for personalized advice from an attorney. They conclude by stressing the importance of estate planning for young adults. The conversation emphasizes the importance of estate planning and the potential consequences of not having a plan in place...2024-03-1849 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 - A Formula For Your Vision That You Have Not HeardIn this episode, Ryan Burklo discusses the formula for vision and how it applies to personal finance. He shares his experience with the 75 Hard program and how it has pushed him to think differently about himself and his finances. The formula for vision consists of having a target or goal, a belief in your ability to achieve it, a plan, and a willingness to explore multiple pathways. Ryan emphasizes the importance of understanding your true definition of wealth and being flexible in adapting your plan when life throws unexpected challenges. He encourages listeners to reach out with questions and...2024-02-0509 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 234 - Morning Walks Can Fix Your FinancesIn this episode, Ryan Burklo discusses how going for a walk can help improve your finances. He shares his personal experience of struggling to find time for communication with his spouse and how they decided to go for a walk every morning to spend quality time together. This simple routine allowed them to have conversations about their day, their children, and eventually led to discussions about their finances. They realized the need to get their finances in order and started working on it. Ryan emphasizes the importance of making health and finances a priority and finding time to have...2024-01-2210 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 229 - 5 Ways To Build Wealth And Maximize LifeIn this episode, Ryan Burklo discusses five ways to build wealth and maximize life. He emphasizes the importance of spending money on items that truly matter, focusing on what can be controlled, protecting income and family's wealth, creating lasting connections with family, and limiting phone use when with family. These strategies serve as reminders to prioritize what is truly important and make intentional choices. Spend money on items that you truly care about and use the 80-20 rule to allocate your finances. Focus on what you can control, such as your savings rate and personal values...2023-12-1813 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.net2021-11-0726 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.net2021-08-1525 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.net2021-05-0912 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.net2020-08-3013 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.net2020-06-2125 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.net2020-05-2421 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.net2020-05-1716 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.net2020-05-1018 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 38 - Financial Literacy with Ryan HarrisIn this week's podcast, we interview Ryan Harris, a former NFL player, who also graduated from Notre Dame with degrees in Economics and Policy and in Political Science. He discusses leadership, financial literacy, honesty and responsibility. You can learn more about Ryan on his website www.RyanHarris68.com and if you want to reach out to us or have any questions about this podcast, please visit us at www.beermoney.net2020-04-0525 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.net2020-03-2320 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.net2020-03-0821 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 min
Holistic FinanceEpisode 31 - 3 common valuation methods and why you should careIn this week's podcast, Ryan and Alex discuss how to value your practice. A taboo topic for some in the naturopath world, is talking about how much money your practice is worth, but Ryan and Alex talk about how important it is to know. If you have questions or thoughts about the podcast, visit us at www.holistic-finance.com and let us know. You will also find ways to contact Ryan and Alex about setting up an appointment there. 2020-03-0121 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.com2020-02-0918 min
Holistic FinanceEpisode 001 - Introduction to Holistic Finance PodcastIntroduction to Holistic Finance Podcast, a podcast for Naturopathic Physicians focusing on building wealth and simplifying your finances. Your hosts Ryan Burklo and Alex Collins are financial advisors based in Seattle, Washington.2019-08-1414 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 whe...2019-07-3026 min