Shows
Du Charme Wealth Management PodcastAvoid Budget Battles With Your PartnerEver wonder why money arguments with your partner feel so much bigger than the actual dollars involved? Marriage and family therapist David Jones reveals the powerful emotional undercurrents that drive financial conflicts in relationships.Jones introduces a compelling metaphor: money disagreements are merely visible waves on the surface, while beneath runs a powerful emotional undertow that determines how couples navigate all challenges. "It's not about the money," he explains. "It's about the cycle that couples find themselves in that is emotionally driven."Drawing from attachment theory, Jones demonstrates how childhood experiences shape our money mindsets...2025-05-0731 min
Du Charme Wealth Management PodcastTransparent Protection: How Buffered ETFs Change the Investment GameThe investment world has long been divided between growth-seeking equity exposure and safer, income-producing alternatives. But what if you could bridge this gap with a strategy that offers downside protection while maintaining meaningful upside potential? Enter buffered ETFs – innovative investment vehicles that are challenging traditional risk management approaches.Buffered ETFs represent a transparent alternative to insurance-based products like fixed index annuities, providing defined downside protection over specific outcome periods while capturing a significant portion of market gains. Unlike annuities with surrender charges and opaque fee structures, these ETFs offer daily liquidity, clear parameters, and superior tax efficiency th...2025-04-3033 min
Du Charme Wealth Management PodcastWho Gets Your Stuff? The Documents That Speak When You No Longer CanYour estate plan isn't complete when you sign those documents – it's just beginning. After working intensively with clients on estate planning this quarter, we've uncovered the critical gaps between having legal documents and having an effective estate plan that actually works when needed.Most people believe estate planning begins and ends with an attorney drafting legal documents. But the reality is far more complex. Those thick binders of legal paperwork are useless if your loved ones can't find them in an emergency or if your accounts aren't properly aligned with your plan. We've seen firsthand how small ov...2025-04-2328 min
Du Charme Wealth Management PodcastPortfolio Construction in a Volatile MarketThe investment landscape is transforming before our eyes, and old paradigms simply won't cut it anymore. In this conversation with Paisley Nardini, we dive deep into what modern portfolio construction really means in today's volatile market environment.Paisley brings her institutional expertise to bear on questions every investor is asking: Is the 60-40 portfolio truly dead? How should we think about alternatives? What's the difference between backward-looking portfolio construction and forward-thinking approaches? With candor and clarity, she challenges conventional wisdom while offering practical insights that both advisors and individual investors can apply.One of the...2025-04-1652 min
Real Estate Morning DriveFinancial Planning for Downsizing: What Every Empty-Nester Should Hear FirstDownsizing your home represents one of life's most significant transitions, particularly for those over 55. What seems like a straightforward process—selling a larger home for a smaller one—actually involves complex financial considerations that can impact your retirement security for decades.Branden Ducharme of DuCharme Wealth Management joins us to unpack the financial realities of downsizing that most people overlook until it's too late. From the surprising "hidden costs" of moving (boxes, trucks, furniture replacement, and décor updates) to the critical distinction between owning a paid-off home versus paying monthly facility fees, we explore how proper plann...2025-04-1124 min
Du Charme Wealth Management PodcastReady to Take Control of Your Tax Situation?The frustration is all too familiar—you're sitting with your tax professional in March, desperately asking what can be done to reduce your tax bill, only to hear those dreaded words: "It's too late." Explore the critical difference between tax filing and tax planning, revealing why waiting until tax season is a costly mistake.We explore the reality that most CPAs and tax professionals simply don't have time during busy season to develop comprehensive tax strategies while processing hundreds of returns. Instead, effective tax planning happens now—immediately after filing season—when there's time to analyze opportunities and im...2025-04-0930 min
435 Podcast: Southern UtahThe Disconnect Between Interest Rates & Housing Prices Is Breaking Traditional Market PatternsSend us a textWashington County's real estate market has shifted to a more balanced position with 4.82 months of inventory, representing a 22% increase from last year, though slight downward pressure on pricing has resulted in only a 2% decrease in average sold prices.• Median sold price of $520,000 shows minimal change from last year at just 1.7% higher• Current 30-year fixed mortgage rate at 6.75%, down from 7.26% in January• Original list price to sold price ratio is 95.9%, indicating sellers are typically getting slightly less than asking• Days on market varies significantly by price point - homes between...2025-04-0859 min
Du Charme Wealth Management PodcastAre You Ready for the New Economic Reality?The investment landscape is changing fundamentally, and Jim Bianco of Bianco Research is here to prepare us for what's ahead. Forget the market euphoria of recent years – we're entering what Jim calls the "4-5-6 market," where cash returns 4%, bonds 5%, and equities just 6%.This shift isn't merely a temporary correction but reflects deep structural changes in our economy. After 47 consecutive months of inflation exceeding 3%, de-globalization gaining momentum, and remote work permanently altering consumer behaviors, we find ourselves in a transformed economic environment that demands fresh thinking from investors.Jim offers a compelling explanation for why we...2025-04-0248 min
Du Charme Wealth Management PodcastRisk: A Fundamental Force That Shapes Our WorldWhat do bridge engineers and portfolio managers have in common? A whole lot more than you might think. In this fascinating philosophical exploration, structural engineer Trevor Gardner joins us to uncover the striking parallels between engineering risks and financial risks.Trevor reveals how engineers approach earthquake design with remarkably limited data—just 90 years of records for structures meant to last 75+ years. This creates an intriguing parallel to financial markets, where past performance offers limited insight into future events. We explore how both disciplines face the challenge of the "unknown unknowns" and share similar approaches to managing tail ri...2025-03-261h 16
Du Charme Wealth Management PodcastThe Burden & High Costs of Long-Term CareThe uncomfortable truth about aging is that many of us will require significant assistance in our final years—yet few have adequately prepared for this reality. In this deeply personal and practical discussion, a father-son financial advisory team shares their firsthand experiences with various long-term care situations, from self-funded home care to Medicaid facilities.Drawing from multiple family experiences, we examine what truly constitutes a long-term care event and why Medicare won't cover most of these expenses. We breakdown the stark financial reality: full-time in-home care can cost $250,000-$300,000 annually, quickly depleting even substantial retirement savings. The hu...2025-03-1939 min
Du Charme Wealth Management PodcastMaximizing Returns: The Strategy of Return StackingCorey Hoffstein breaks down the strategy of "return stacking," which allows investors to maintain core portfolio exposure while adding diversifying alternative investments on top without the traditional funding problem. The concept revolutionizes portfolio construction by using capital efficiency to potentially enhance returns and reduce overall risk.• Return stacking originated as "portable alpha" pioneered by PIMCO in the 1980s• Traditional diversification requires selling stocks or bonds to make room for alternatives• Investors typically abandon diversifiers during periods of underperformance, creating a behavioral gap• Return stacking uses capital-efficient instruments like leveraged ETFs to maintain core exposures• Fr...2025-03-1255 min
Du Charme Wealth Management PodcastNavigate and Tackle IRS ChallengesTax debt can seem like an insurmountable obstacle, but it doesn't have to be. In our latest episode of the Du Charme Wealth Management Podcast, we navigate the complexities of tax debt resolution with expert Morgan Anderson, an enrolled agent with decades of experience in tax debt settlement. Together, we unpack the various barriers taxpayers face when dealing with the IRS and share invaluable tips to help listeners manage their tax liabilities better.Morgan provides insight into common challenges individuals and businesses encounter when it comes to tax obligations. Discover the often-overlooked triggers of tax debt, such...2025-03-051h 01
Du Charme Wealth Management PodcastConverting Motels Into ApartmentsKevin Kennedy shares his unconventional approach to real estate by converting dilapidated motels into affordable housing. He discusses his journey, unique investment strategies, past experiences—including a humorous encounter on Judge Judy—and the importance of understanding zoning laws and property management.• Kevin's transition from merchant banking to real estate investing• Humorous story of losing a snake and appearing on Judge Judy• The potential of converting poorly managed motels into cash-flowing apartments• Importance of preemptive engagement with local municipalities for zoning• Insights on property management and working with contractors• Balancing profitability with a mission to add...2025-02-261h 23
Du Charme Wealth Management PodcastRetirement Accounts: Approaching Tax SeasonWe explore the intricate landscape of retirement accounts, emphasizing the importance of understanding 401(k) and IRA benefits, tax treatments, and contributions. Our discussion highlights essential strategies for effective retirement planning and the flexibility of various account types, encouraging listeners to take proactive steps in their investment journey.• Understanding ERISA accounts and their significance• Importance of contributing early to retirement accounts• Difference between traditional and Roth accounts• Tax implications for various retirement accounts• Options for accessing funds early without penalties• The value of professional guidance in retirement planningLink to David McKnight Sounds Off...2025-02-1943 min
Du Charme Wealth Management PodcastEase the Burden of Student LoansStudent loan repayment with Emma Crawford, a certified financial planner who specializes in student loan strategies. Emma guides us through the often-confusing terrain of federal student loans, revealing crucial insights into various repayment options like direct repayment, public service loan forgiveness, and income-driven repayment forgiveness. Learn why it's essential to cut through the misinformation from loan servicers and seek reliable guidance to manage your student loans effectively.Gain a deeper understanding of the stark contrasts between federal and private student loans. Emma explains why private loans often lack the flexible repayment options available with federal loans and...2025-02-1233 min
435 Podcast: Southern UtahReal Estate Decisions in a Changing Economic MarketSend us a textUnlock the complex world of Southern Utah's real estate market as we tackle the pressing issues shaping its current landscape. Have you ever wondered why some properties are skyrocketing in value while others seem to stagnate or even depreciate? We'll unravel these mysteries with insights into fluctuating home values, steady interest rates at 7.07%, and their impact on the pace of home sales. As St. George continues to grow rapidly, we anticipate a surge in activity by spring, driven by increasing inventory and demand. Prepare to gain a deeper understanding of how these trends...2025-02-111h 03
Du Charme Wealth Management Podcast3 Things You Can Do To Prepare For A Smoother Tax SeasonTurn tax season from a dreaded chore into a smooth, stress-free experience with insights from Grayson Tracy, a seasoned CPA from Savage Esplin & Radmall. Grayson shares his expert advice on overcoming common hurdles like disorganized records and last-minute rushes, and outlines strategies for building a productive relationship with your accountant. Discover practical tips on document organization and communication that can transform your tax preparation process, a vital skill given the current shortage of tax professionals. Explore the art of balancing proactive tax planning with its associated costs, as we discuss the essential collaboration between financial planners and accountants. 2025-02-0547 min
Du Charme Wealth Management PodcastAchieve Long-Term Success with Factor InvestingDan Huffman is the founder of Cornerstone Financial Planning, where he helps clients achieve financial independence through real estate investing and factor investing strategies. He lives with his wife and son in Colorado Springs, CO, and they love traveling and hiking in the mountains! This episode delves into the fascinating world of factor investing, featuring insights from expert Dan Huffman. We discuss the key concepts of factor investing, compare it to traditional active management, and analyze the behavior of various market segments, particularly small-cap value stocks. The conversation serves as a guide for investors, emphasizing the importance o...2025-01-291h 00
Du Charme Wealth Management Podcast3 Reason Business Owners Should Invest In Commercial Real EstateThis episode explores why business owners should consider investing in commercial real estate as a strategic move for financial growth and sustainability. By discussing the control over expenses, the potential for asset appreciation, and the benefits of passive income through real estate ownership, we provide valuable insights for entrepreneurs looking to enhance their business operations.• Control over expenses and operational costs• The importance of fixed costs with a mortgage• Inflation buffering and rent escalations• Long-term appreciation and equity build-up• Passive income opportunities through subleasing• Evaluating risks and financial readiness• Strategies for successful pro...2025-01-2238 min
Du Charme Wealth Management PodcastProtect Your Identity From HackersJohn Siggard is the founder and owner of two MSP (Managed Service Provider) companies based in Washington, Utah: Superior Technical Solutions and IT4Eyes. Since its founding in 2009, Superior Technical Solutions (STS) has focused on two primary services: cybersecurity—including network analysis and security risk assessments—and general IT support. With over 20 years of IT experience under his belt, John trains his team of technicians to provide excellent service for each client, big or small. In recognition of their commitment to excellence, STS won the 2024 Soteria Award for being one of the most trusted MSPs in North America and the...2025-01-1536 min
A2C According 2 CarsonI have told you more than.......With Branden DuCharme | A2C Podcast | Episode 17
In this episode, Branden and Carson talk finance, finance, and finally come to the realization that as fathers, they get their own chance to supersede their own parents or screw up too.
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2025-01-132h 28
Du Charme Wealth Management PodcastEstate Planning BasicsEstate planning is more than just a will or trust; it's about safeguarding your legacy and ensuring your wishes are honored without the public spectacle of probate. We shed light on the critical elements that make an estate plan comprehensive, such as aligning beneficiary designations with your estate documents and maintaining privacy. Discover how these components work together to prevent unintended competitive advantages and ensure your assets are distributed as you intend.Estate planning isn't just about preparing for the inevitable; it's a proactive step to manage unexpected life events like incapacitation. Here, we explore the essential...2025-01-0825 min
Unexpected Hobbies of Financial AdvisorsMagic: The Gathering with Branden DuCharmeExploring Magic: The Gathering with Financial Advisor Branden DuCharme
In this episode of 'Unexpected Hobbies of Financial Advisors', your hosts Brian Wright and Joshua Walker chat with Branden DuCharme, a financial advisor and avid Magic: The Gathering player. Listen in as Branden shares how he got started with the game, the different aspects of Magic: The Gathering, and the unique experiences it has brought into his life. From the complexities of the game mechanics to the social interactions at local game stores, this episode dives deep into the unexpected intersection of financial planning and collectible card games. Tune in...2025-01-071h 01
Du Charme Wealth Management PodcastStart the New Year on the Right Financial FootKickstart your financial journey this year with essential strategies and expert insights with Branden and Carisa. Learn how to organize and update your financial information effectively, transforming your personal balance sheet into a powerful tool for making proactive financial decisions. By regularly reviewing your assets and liabilities, you'll uncover opportunities for adjustments and improvements without the need for drastic changes.We also explore the intricacies of portfolio management and investment strategies. Understanding your net worth statement and 401k assets at the year's start is critical. Discover the importance of asset allocation, the challenges of limited investment options...2025-01-0143 min
Du Charme Wealth Management PodcastValuation Mysteries and Market MomentumAs 2025 approaches, this episode dives into market predictions, valuations, and the impact of emotional psychology on investment decisions. Expert insights on cyclical analysis draw parallels between macro trends and tactical asset allocation strategies, guiding listeners in preparing for the uncertainties ahead.• Discusses the significance of market valuations and cycle analysis• Challenges traditional investment bank predictions and averages• Explores emotional psychology's influence on investor behavior• Analyzes the roles of gold, Bitcoin, and real estate in investment strategies• Highlights critical insights on cyclical analysis and economic forecasting• Emphasizes the need for due diligence and professional...2024-12-2352 min
Du Charme Wealth Management PodcastMyth Busting: ETFs Vs. Mutual FundsDiscover how financial wisdom can transform your investment strategies with Aaron Best, a certified financial planner who brings his expertise on modern investment vehicles. We promise you'll uncover the hidden truths behind ETFs and mutual funds, as well as how they align with your personal financial goals. We also critique mutual funds for their potential tax inefficiencies, which can spring unexpected surprises on investors. We acknowledge the challenges and benefits of investing in these vehicles from a tax perspective, providing you with the knowledge to make informed decisions that align with your investment strategy. Guest Bio: Hi, I’...2024-12-1851 min
Du Charme Wealth Management PodcastElection Is Over: What Now?Join us as we explore the current economic landscape with our special guest, Strider Elass, a senior economist from First Trust Advisors L.P. We tackle the enduring dominance of the US dollar as the world's reserve currency, the potential challenges from currencies like the Chinese yuan, and the implications of the Federal Reserve's interest rate policies. Strider provides expert analysis on the factors that underpin the dollar's strength, such as America's robust legal framework and democracy, while shedding light on the broader economic impacts of the Fed's policies, including inflation and the political environment following Trump's election victory.2024-12-1147 min
Du Charme Wealth Management PodcastTax Planning Success StoriesBranden and Carisa promise to equip you with practical strategies to save thousands on your tax bill, just as Carisa did for one of her high-net-worth clients. Explore powerful charitable giving strategies that go beyond conventional cash donations. Carisa shares how transitioning to in-kind donations of appreciated stocks or funds can bypass capital gains taxes, benefiting both you and your chosen charities. Dive into the complexities of IRA management and Roth conversions, where we unveil common pitfalls and strategic solutions. Discover why understanding non-deductible contributions and the pro rata rule is key to optimizing your tax efficiency. W...2024-12-0440 min
Du Charme Wealth Management PodcastDivorce Preparation: The Do's and Don'tsIn our latest episode of the Ducharme Wealth Management Podcast, certified divorce financial analyst Rhonda Noordyk joins us to share her expertise on navigating the financial intricacies of divorce. Like a guiding light during turbulent times, Rhonda emphasizes the critical role of giving clients a voice and ensuring their financial concerns are addressed. From understanding the division of assets to managing debts, her insights are invaluable for anyone facing the daunting task of divorce.Guest Bio:Rhonda Noordyk has been dedicated to advocating and educating women facing divorce for over a decade. Guiding them through...2024-11-2747 min
Du Charme Wealth Management PodcastLessons From A Former Investment BankerJoin us for a fascinating conversation with Kim Arthur, founding partner at Main Management, as he unpacks the nuances of financial markets and investment strategies. Gain insights into how market sentiment and expectations can lead to post-election surprises, as well as the cultural transitions within financial organizations, like the changes he saw when Montgomery Securities was acquired by Bank of America. Kim's journey highlights the importance of adaptability and maintaining a client-centric approach in the ever-shifting world of finance.Explore the significant shift from individual stock picking to the critical role of asset allocation. We discuss how...2024-11-2058 min
The Whole Enchilada#101 – The Power of Communities
A collaboration between Russie Edwards, Robert MacFarlane and Branden DuCharme (Wealth435 Podcast) and Marcus Green – they discuss the importance and power of a Community.
00:14-07:48 – Introduction
07:49-12:12 – The importance of a personal relationship, how it was affected during COVID, the trust and power of a community
12:13-38:08 – Are you a part of a community by default or by choice? How to contribute and give back value to the community you’re in. Engagement from/impact to the community.
38:09-55:54 – Impacts of a Geographical community
55:55-73:24 – What is your next evolution of growth in the communi...2024-11-191h 13
Du Charme Wealth Management PodcastHiring A Property Manager: Do's And Don'ts With Trent CollinsIn this episode, property management expert Trent Collins reveals the essential strategies for turning your real estate investments into reliable passive income streams. With over two decades of experience, Trent breaks down how effective communication and solid reporting can transform your investment approach.We dive deep into the often-overlooked aspects of property management—like interview techniques for hiring the right property manager, understanding services and fees, and navigating hidden costs. Trent shares his insider knowledge on managing up to 300 properties, offering actionable tips on team dynamics and ensuring that your management company is structured for long-term success.2024-11-131h 11
Du Charme Wealth Management PodcastReverse Mortgages To Create Wealth? With Chantry AbbottCurious about reverse mortgages and how they can reshape your retirement? Join us in this eye-opening episode featuring Chantry Abbott, a leading mortgage loan officer from Guild Mortgage! We’re diving deep into the evolution of reverse mortgages—from their controversial beginnings to their current status as secure, regulated financial tools.What You’ll Discover:The Transformation: Learn how reverse mortgages have become a lifeline for aging homeowners, providing financial flexibility and security.Real Stories: Hear personal anecdotes, including how my grandparents eliminated housing costs through strategic use of reverse mortgages.Market Protection: Unders...2024-11-0651 min
Du Charme Wealth Management PodcastFinancial Freedom Through Real Estate & Financial LiteracyChristian Duncan is a successful entrepreneur, real estate investor, and mortgage professional. He became a multimillionaire by the age of 38, building a diverse portfolio of businesses, including Epic Home Mortgage and Elite Capital Investments, LLC. Passionate about empowering others, Christian is dedicated to financial education, helping families and first-time homebuyers navigate the mortgage process with transparency. In addition to his work in real estate, he is an advocate for personal growth, having led nonprofit efforts and mentored individuals to break generational cycles. Currently, Christian is working on a book about the power of focusing on input over results, and...2024-10-301h 54
Du Charme Wealth Management PodcastJim Rickards Scare Tactics | Branden and Carisa Break It DownBranden and Carisa dissect how fear-based strategies prey on investor anxieties with promises of risk-free returns. You'll gain clarity on the importance of disciplined asset allocation and the value of maintaining your course for long-term success rather than succumbing to volatile market timing.We invite you to join our conversation on aligning your financial planning with personal philosophies, emphasizing the necessity of personalized financial advice. By examining alarmist predictions from financial figures like Jim Rickards, we endeavor to arm you with the tools to critically question these tactics. Our discussion encourages meaningful engagement with financial professionals, empowering...2024-10-231h 20
Du Charme Wealth Management PodcastMedicaid Planning and Asset Protection: Navigating Elderly CareCurious about crafting a secure financial legacy for your loved ones? Join us as we unlock the complexities of Medicaid planning and estate management with Jim Alder from the Alder Law Group, a seasoned expert who launched his practice in the midst of the 2008 financial crisis. Jim shares invaluable insights into Medicaid-compliant annuities and the intricacies of navigating asset protection with strategies like the five-year look-back rule. Learn how to safeguard family assets and ensure financial flexibility, especially if you have elderly parents or grandparents who may need long-term care.We explore essential Medicaid planning strategies, from...2024-10-1657 min
435 Podcast: Southern UtahBuilding Digital and Physical Networks for Collective SuccessSend us a textWhat if you could create a life that balances success across all its dimensions? Join us as Marcus Green shares the inspiration behind The Whole Enchilada community, a movement dedicated to becoming well-rounded individuals who thrive in business, relationships, and spirituality. Delve into the journey of personal growth that has attracted a network of like-minded people eager to support one another in living elevated lives. The discussion highlights the pitfalls of idolizing success in one area while neglecting others, promoting a comprehensive approach to self-development.Discover the power of community engagement...2024-10-151h 13
Du Charme Wealth Management PodcastRedefining Retirement: Annuities Versus Traditional InvestmentsCurious about the intricacies of life insurance and annuities? Discover how to navigate these complex financial waters with insights from Carson Porter, a seasoned insurance producer.Carson stands at the helm as the founder & Chief Visionary of one of the world's leading masterminds of honest, authentic, and ethical insurance agents. Beyond this, he's co-created a specialized insurance CRM, offers mentorship to a broad spectrum of professionals, and continues to manage his own firm. Carson specializes in wealth management principles as a Cash Value Life Insurance expert and industry Influencer. His training regarding these topics is h...2024-10-091h 14
Du Charme Wealth Management PodcastAge-Proof Homes: Making Aging At Home Comfortable & SafeAre you prepared to safeguard the well-being and independence of your aging loved ones? Join us as we sit down with Blake Watson, the visionary behind Age Proof Homes, who pivoted from a successful financial career to become a champion for aging in place. Blake shares his compelling journey and details the vital importance of adapting homes to ensure safety and mobility for elderly individuals, especially in retirement communities like St. George. From personalized modifications that adhere to ADA guidelines to the transformative impact these changes can have, Blake provides invaluable insights into creating safer, more accessible living environments...2024-10-0239 min
Du Charme Wealth Management PodcastSelf-Directed IRAs, Mortgage Decisions, & Breaking Down Dave Ramsey's Baby StepsBranden & Carisa address the critical question facing many in their late fifties and early sixties: should you pay off your mortgage or invest for retirement? With mortgage rates as low as 2.5%, we explore the potential benefits of directing extra funds into short-term treasuries and other investments over accelerating mortgage payments. We also shed light on the often misunderstood world of self-directed IRAs, emphasizing the importance of expert advice to navigate their complexities and avoid costly mistakes.Life insurance is another hot topic we tackle, specifically the misconceptions surrounding Index Universal Life (IUL) policies. Too often, individuals are...2024-09-251h 07
Du Charme Wealth Management PodcastTrust and Integrity in Medicare Insurance DecisionsImagine navigating the intricate maze of Medicare with confidence and clarity. In this episode, you’ll uncover essential strategies for transitioning between states and switching from Medicare Advantage plans to Medicare Supplement plans. We kick things off by sharing our personal journey of founding Cross Country Insurance, leveraging our backgrounds in the medical and rehab fields to simplify complex Medicare choices for our clients, much like guiding them through a safari filled with overwhelming options.Discover the crucial differences between Medicare Supplement and Advantage plans, and learn how to make informed decisions about your healthcare coverage. We br...2024-09-1847 min
Du Charme Wealth Management PodcastDavid McKnight Sounds Off: IUL's Vs. Life InsuranceCan you imagine a retirement where you pay zero taxes? In this episode, we explore the "Power of Zero" strategy and how Indexed Universal Life (IUL) insurance can play a pivotal role in achieving a tax-free retirement. Learn the significance of low provisional income in making your Social Security benefits tax-free and why the timing of your tax planning is crucial. By integrating IUL with Roth IRAs, Roth 401(k)s, and Roth conversions, you can create a diversified and tax-efficient retirement plan.Why do some experts like myself avoid whole life insurance policies? Discover the key differences...2024-09-1150 min
Du Charme Wealth Management PodcastCentral Banks, Inflation, and the Future of Commodity InvestmentsBig tech meets commodity demand! Discover how the backbone of our digital age—data centers and tech infrastructure—fuel the need for materials like steel, rebar, and concrete. We unravel the distinct dynamics between trading financial markets and the more volatile, opportunity-rich realm of commodity trading. Learn about futures contracts, their historical role in price stabilization, and the surprising fact that many traders are actually aiming to hedge risks rather than chase profits.Our journey continues with an insider's perspective on the evolution of commodity trading from the late 90s through the early 2000s. Hear firsthand experiences from...2024-09-0459 min
Du Charme Wealth Management PodcastLessons From Losing $28 Million | Navigating Sudden Wealth with Paul DelougheryEver wondered how financial security might actually be holding you back? Join us as we unpack the intricate world of wealth transfer and estate planning, starting with the surprising challenges of inheriting physical assets like gold and precious metals. Through the lens of a multi-generational family in Naples, Italy, we reveal how the comfort of financial security can sometimes impede personal growth. You'll also hear an eye-opening account from Venezuela that questions the reliability of gold as a safety net in turbulent times.Meet Paul Deloughery, a man who inherited a $28 million estate from a biological father...2024-08-2853 min
Du Charme Wealth Management PodcastTeacher Retirement Planning: Securing Their FuturesWhat if educators could secure their financial futures and retire with confidence? Join us for an eye-opening episode with Sophia Neil where we uncover the financial opportunities and hurdles teachers face in Las Vegas and Utah. Sophia shares her inspiring journey and dedication to helping educators navigate the complexities of retirement planning. We'll discuss the critical importance of starting early and the special catch-up provisions available for those over 50, along with the unique regional challenges in assisting teachers with their retirement plans.Taxes on pensions and Social Security can be a retirement game-changer, especially with the Windfall...2024-08-2146 min
Du Charme Wealth Management PodcastBreaking into Real Estate: Rob's First-Year Triumph with 71 dealsFrom handling multiple offers to understanding seller priorities, Rob's insights into the emotional and financial complexities of selling a home are invaluable. We also demystify the distinct roles of listing agents versus buyer's agents, highlighting the specialized skills that each role demands.Ever wondered why some homes linger unsold on the market? We tackle the challenges of prospecting expired or canceled listings and the common pitfalls that lead to unsold homes. Through a compelling personal anecdote, we show how value-add agents can turn a failed listing into a successful sale, even in a high-demand market. Ethical and...2024-08-1449 min
Du Charme Wealth Management PodcastWhat To Expect On The Buying Side Of Real Estate With Michelle EvansWelcome to navigating the real estate market with our special guest, Michelle Evans, a veteran real estate agent from Washington County. Michelle sheds light on this often-confusing aspect, ensuring you understand seller responsibilities and avoid costly mistakes. If you're a prospective homebuyer, her advice is invaluable, outlining the long-term financial benefits of owning a home when you're financially prepared.But that's just the beginning. We'll guide you through the entire home buying process, emphasizing the vital role of a buyer's agent. First-time homebuyers, we know the journey can be daunting. Michelle offers practical solutions to common fears...2024-08-0755 min
Du Charme Wealth Management PodcastUnderstanding Risks In Financial Plans with Carisa BertrandEver wondered how disastrous sales pitches can lead to market chaos? In our latest episode, we promise you'll learn how to steer clear of financial pitfalls by understanding the widespread misunderstandings surrounding the Augusta rule and the impact of Joe Biden's unexpected withdrawal from the presidential race. We discuss the emotional and often irrational reactions to political events and stress the importance of maintaining a diversified portfolio to withstand market volatility. By the end of this episode, you'll have a clearer perspective on how to keep your long-term investment strategies aligned, even when the world seems unpredictable....2024-07-311h 12
Du Charme Wealth Management PodcastIs your 60/40 Portfolio Dead?Managing downside risk in investment portfolios has never been more critical, and our latest episode promises to equip you with the knowledge to safeguard your investments. Inspired by the insights of Warren Buffett and macroeconomists like David Hunter and Jeremy Grantham, Branden and guest Ben Reppond of Reppond Investments address the potential end of a 42-year secular cycle and the ominous market decline predicted by 2025. We scrutinize traditional methods like bond funds and reveal why they might not be the safe havens you expect.Next, we take you through strategies that blend defense and offense, ensuring a...2024-07-2456 min
Du Charme Wealth Management PodcastWhat Should You Do After An Auto Accident? With Personal Injury Attorney, Marshall WittWhy should you always call the police after an accident? Discover the chilling consequences of skipping this crucial step and how it can impact your insurance claims and legal standing. We share eye-opening red flags to watch for when the other driver insists on keeping the cops out of it—hint: they might have something to hide. Alongside, we unpack the high stakes and intense demands of a legal career, especially for those new to the profession. Balancing family life with the rigorous requirements of mandatory billable hours isn't just tough; it’s essential for mental well-being and career long...2024-07-1754 min
Du Charme Wealth Management PodcastDon't Let the Tax Tail Wag the DogEver wondered if real estate is the financial goldmine it’s often claimed to be? Think again. We break down the complexities and risks associated with real estate investments, revealing why tailored financial and tax planning are essential. Learn how collaborating with CPAs and business coaches can transform your approach to advanced tax strategies and business operations, ensuring you navigate these waters with confidence.Discover the truth about pass-through entities and the misconceptions that surround them. Too many business owners mistakenly believe that taxes are only a concern at the business level or tied to money withdrawn fr...2024-07-1054 min
Du Charme Wealth Management PodcastBehavioral Biases, Pitfalls, and Proactive StrategiesWhat if the sticky notes you left on your most prized possessions ended up causing chaos instead of clarity? We tackle the quirky and flawed methods people use to update their estate plans, from sticky notes to unwritten wishes, and why understanding behavioral finance is crucial. Estate attorney Thomas Crofts joins us to share eye-opening stories of common behavioral errors and biases he encounters, offering insights into achieving more effective legacy planning by considering family dynamics and personal biases.Imagine inheriting a fortune only to face unexpected tax nightmares due to overlooked legal structures. We dive into...2024-07-0344 min
Du Charme Wealth Management PodcastEthical Mortgage Practices, Rates, and Trustworthy AdvisorsAre you ready to unravel the complexities of the mortgage industry? Our latest episode offers an eye-opening exploration of ethical considerations, historical practices, and modern regulations that shape today's mortgage landscape. Hear the compelling story of how straightforward advice can build trust and foster long-term client relationships. Learn about the controversial practice of "overage" and the evolving legal landscape designed to protect you, the consumer.We'll also dig deep into the intricate world of mortgage rates and costs. Understand the concept of "premium pricing" and the reality behind seemingly attractive no-cost refinancing offers. Using vivid analogies and...2024-06-261h 30
Du Charme Wealth Management PodcastGlobal Currency Shifts and the Rise of Gold: Investment Strategies for a New EraEver wondered how the shifting global economic landscape could reshape your investment strategies? Tune in as we unpack the future of currency hegemony and the resurgence of gold as a store of value. From the rise of onshoring and authoritarian regimes to America's enduring edge in tech innovation, we offer a panoramic view of the factors driving these seismic shifts. Speculate with us on the intriguing possibilities of gold-backed reserve currencies and the gradual movement away from the petrodollar, especially by economic powerhouses like India and Russia.Curious about the evolution of America's financial system post-Nixon's removal...2024-06-1958 min
Du Charme Wealth Management PodcastGlobal Currency Shifts and the Rise of Gold: Investment Strategies for a New EraEver wondered how the shifting global economic landscape could reshape your investment strategies? Tune in as we unpack the future of currency hegemony and the resurgence of gold as a store of value. From the rise of onshoring and authoritarian regimes to America's enduring edge in tech innovation, we offer a panoramic view of the factors driving these seismic shifts. Speculate with us on the intriguing possibilities of gold-backed reserve currencies and the gradual movement away from the petrodollar, especially by economic powerhouses like India and Russia.Curious about the evolution of America's financial system post-Nixon's removal...2024-06-1958 min
Du Charme Wealth Management PodcastAligning Wealth with Values: Strategies for a Meaningful LifeIn episode 12, certified financial transitionist Laura Redfern joins us to explore the emotional and identity shifts that come with unexpected financial windfalls. From entrepreneurial triumphs to receiving an inheritance, we unravel the complexities of managing newfound riches while staying grounded. Hear firsthand how Laura's expertise can guide you through the initial shock and long-term implications on your relationships and self-perception.What happens when emotions cloud your financial decisions? We dive into strategies that help maintain clarity amidst chaos, such as establishing a “decision-free zone” to unload stress. Learn practical steps for handling high-pressure financial conversations and the sign...2024-06-121h 12
Du Charme Wealth Management PodcastWealth Management Secrets of the Ultra-RichIs market timing a myth or a misunderstood science? In today's episode, we sit down with Jim, a professional futurist and investment strategist, to unravel the complexities behind market timing and risk management. With a rich background that includes a Master's in Foresight, CMT, CFA, and CFP, and running his own RIA, StratFi, Jim brings a wealth of knowledge to the table. We discuss the limitations of index funds during market downturns and the crucial importance of timely re-entry into the market to maximize rebounds. Discover Jim's unique approach to leveraging historical trends and statistical probabilities to minimize downside...2024-06-0554 min
Du Charme Wealth Management PodcastDu Charme Legacies and the Ethics of Wealth BuildingRobert Ducharme left behind not just a legacy of agricultural tenacity from the family Wisconsin farm, but a financial compass that has guided the family through life's fiscal storms. It's stories like these—of tractors and life lessons—that we share with you, revealing the roots of our financial acumen and the importance of a work ethic that endures through generations. As we unwrap the layers of financial upbringing and ethical practices, the conversation turns to the humor and humility found in my family's prayer and how it shaped our approach to money and generosity. We tackle the p...2024-05-291h 13
Du Charme Wealth Management PodcastThe Entrepreneur's Guide to Navigating Business Loans | Art of Business FinancingUnlock the enigma of commercial lending with Shannon Walker, an investment sage who strips away common misconceptions about funding for small and medium-sized businesses. This episode is a goldmine for entrepreneurs and seasoned business owners alike, offering a deep dive into the crucial financial considerations that dictate sustainable business growth. Discover the stark differences between the Small Business Administration's supportive role in providing first opportunities for risk-takers and the Federal Reserve's function as the ultimate backstop for financial institutions.Navigating the world of business finance can feel like sailing through a storm, but with our guidance, you'll...2024-05-2253 min
Du Charme Wealth Management PodcastCrafting the Perfect Insurance Plan for Financial Peace of MindHave you ever considered the real impact of those small insurance claims on your ability to secure premium insurance plans? Join me and guest expert Rustin Staheli as we unravel the often-misunderstood world of insurance and risk management, examining the fine balance between being over-insured, under-insured, or just right. We're diving into the nitty-gritty of insurance as a crucial financial tool, discussing how actuarial science shapes the industry and how public perceptions can misguide policyholders, especially when it comes to term life policies and the implications for your future.Our conversation ventures into the realm of auto...2024-05-151h 18
Du Charme Wealth Management PodcastPower of Carry Trades: Maximizing Gains and Minimizing Risks in Financial MarketsDiscover the exciting world of carry trades with Branden Ducharme and Michael Gayed on this episode of the podcast. They break down complex financial concepts and explain how borrowing in a low-interest-rate currency can lead to potential gains or losses when investing in higher-yielding assets. The conversation covers the risks of currency exposure, the interaction between borrowed amounts and exchange rates, and the importance of effective risk management. Don't miss out on this insightful discussion about managing risk, navigating currency movements, and maintaining a disciplined investment strategy.Find Du Charme Wealth Management here:https://www.ducharmewealth...2024-05-0850 min
Du Charme Wealth Management PodcastNavigating Divorce: Mediation, Financial Planning, and Real Estate InvestmentsOn this episode of the podcast, Branden Ducharme and guest Monica Owens dive into the world of divorce mediation, financial planning, and real estate investments. From early financial planning to asset division, they cover it all, including splitting 401(k) accounts, the significance of Qualified Domestic Relations Orders (QDROs), and options like lump sum buyouts for alimony. They also explore the impact of alimony on post-divorce financial stability, the complexities of mortgages and assumable loans, and the challenges faced by entrepreneurs in divorce. Tune in for valuable insights on transparency, alignment, and communication in navigating the complexities of divorce.2024-05-011h 13
Du Charme Wealth Management PodcastMaximizing Your Inheritance: Expert Tips on Estate Planning and Tax StrategiesTune in to this exciting episode of the podcast, where Branden Ducharme and guest Preston Mathews tackle the complex world of estate planning and tax implications. Learn about gift and estate taxes and how they may or may not affect you depending on the size of your estate. Discover the benefits of the step-up in basis for inherited real estate and how it can help minimize capital gains taxes. They also discuss the risks of joint ownership with adult children and the importance of updating your estate plans after major life events. Don't miss out on this valuable information...2024-04-241h 08
Du Charme Wealth Management PodcastNavigating the Complexities of Special Needs Financial PlanningIn this captivating podcast episode, Branden Ducharme and guest Greg Corneille shed light on the world of special needs financial planning. They delve into topics like special needs trusts, ABLE accounts, and the optimization of public benefits like SSI and Medicaid. Discover the significance of estate planning, life insurance, and tailored financial strategies for individuals with special needs. Gain valuable insights into investment strategies and the importance of professional guidance in managing market exposure and adapting to changing circumstances. Join them on this episode for a comprehensive approach to securing financial stability for families facing special circumstances....2024-04-1754 min
Du Charme Wealth Management PodcastMaster Your Financial Future: Expert Retirement Planning Strategies Revealed!In this captivating episode, Branden Ducharme and Aaron Best share their expertise on retirement planning and financial strategies. They stress the importance of proactive financial planning, including setting up wills, trusts, and power of attorney documents. They also highlight the transition from accumulation to retirement income generation, focusing on managing expenses and creating sustainable income streams. With a strong emphasis on risk management, asset allocation, and tax considerations, they emphasize the need for professional guidance in making strategic financial decisions. Tune in to learn about diversifying investments, tax planning, and optimizing retirement income through Roth conversions and real estate.2024-04-101h 12
Du Charme Wealth Management PodcastUnlocking the Secrets to Financial Freedom: Credit Cards, Homeownership, and Retirement PlanningOn episode 3 of the Ducharme Wealth Management Podcast, Branden and guest Chantry Abbott cover a wide range of financial topics that will leave you informed and inspired. They delve into mortgage lending, credit card usage, homeownership, and financial safety. Learn about responsible credit management, analyzing bank statements for accurate loan assessments, and the advantages of alternative loan programs like FHA, USDA, and VA loans. Abbott emphasizes the importance of liquidity, financial stability, and how homeownership plays a crucial role in long-term financial planning. Don't miss their discussions on market timing, interest rate cuts, and the risks of waiting for...2024-04-031h 11
Du Charme Wealth Management PodcastNavigating the Economic Landscape: Insights on GDP, Inflation, and Investment StrategiesOn episode 2, Branden invites Alex Varner to delve into the dynamic realm of economics and investments. Get ready to explore the positive outlook on the macroeconomic environment and the crucial factors to keep an eye on, such as GDP, productivity, inflation, and interest rates. Discover the potential impact of evolving consumer behavior and remote work trends on sectors like commercial real estate and retail. Varner emphasizes the significance of long-term investing, diversification, and risk management in effectively navigating market fluctuations. Tune in to gain valuable insights on achieving financial growth and stability through strategic investment approaches.Find...2024-03-2737 min
Du Charme Wealth Management PodcastFrom Tax Planning to Retirement Strategies: Financial Prosperity in EntrepreneurshipDISCLAIMER: Branden DuCharme is an investment advisor representative of and offers investment advisory services through SCF Investment Advisors, Inc. an SEC Registered Investment Advisor • 10150 Meanley Drive First Floor San Diego, CA 92131• (800) 955-2517 • www.scfsecurities.com SCF Investment Advisors, Inc. and DuCharme Wealth Management are separate entities. The information in this podcast is current at the time of recording. It is based upon sources and data believed to be accurate and reliable. The information, opinions, and forward-looking statements expressed herein are subject to change without notice. Moreover, all comments & opinions voiced herein are for informational and entertainment purposes only an...2024-03-1955 min
435 Podcast: Southern UtahFrom Young Retirees to Older Millennials: Inside the Minds of Southern Utah HomebuyersSend us a textOn episode 40 of the 435 podcast, host Robert Macfarlane is joined by guests Jeff Watkins and Branden Ducharme to discuss the current state of the real estate market in Southern Utah. They provide insights into the preferences and characteristics of buyers, highlighting the two main types: young retirees and older millennials. The conversation also delves into the correlation between mortgage rates and the 10-year treasury, as well as the impact of inventory and demand on home prices.The conversation also touches on upcoming development projects, such as the Black Desert resort and...2024-01-2349 min
435 Podcast: Southern UtahUncovering the Upcoming City Council Election in St. George, UtahSend us a textOn this episode of the 435 podcast, Robert Macfarlane and guests Branden Ducharme and Jeff Watkins discussed the importance of local government, the results of recent elections, the push and pull of development and growth in small towns, and the need for campaign finance reform. They also discussed the need for representation from all segments of the community, the need for clarity on what can and cannot be done, and the need to shift taxes to the city council. Robert Macfarlane and Branden Ducharme also discussed the importance of pricing a property competitively in...2023-09-1958 min
The Bigger Life PodcastLegacy and Financial Principles with Branden Ducharme | Episode 22In this episode of Beyond Networth Podcast, we have Branden DuCharme. A realtor, accredited wealth advisor, and the CFO of Wealth435. Listen in and learn about financial principles, investments, and legacy. Preview of this episode: 14:31 Real estate investment– if it goes well, it goes well, but if it goes bad, it goes really bad. Right? if a real estate deal goes bad, you oftentimes risk losing the whole house, right? Foreclose. You completely lose the asset, all the money you put into it. 18:38 Obviously real estate is an inefficient enough market that you can...2023-03-021h 00