Shows
KPC Financial Hour with Kevin & Karin ChristHow Do You Create Retirement Income? - May 10, 2025Kevin and Karin explore strategies for creating stable retirement income, including using dividends, the 4% withdrawal rule, and annuities. They discuss how the retirement blueprint can help manage taxes, assess risk tolerance, and ensure diversified income streams, while highlighting the importance of customizing plans to fit individual needs and goals.For more information on retirement planning, visit kpcfinancialsolutions.com!2025-05-1243 minKPC Financial Hour with Kevin & Karin Christ3 Essential Pillars of Financial Security - April 19, 2025Kevin and Karen dive into the three essential pillars for financial security in retirement: tax planning, investment management, and income generation. Discover why you need more than just investment returns to ensure a financially secure retirement. This episode covers strategies to create reliable income streams and manage taxes effectively, emphasizing the importance of having a written plan for long-term success.For more information on retirement planning, visit kpcfinancialsolutions.com!2025-04-2143 minKPC Financial Hour with Kevin & Karin ChristBe Wary of Stereotypical Investor Mistakes - April 12, 2025Kevin and Karen tackle the topic of market volatility and the common mistakes investors make during turbulent times. From panic selling to timing the market, the discussion covers the different investor types and how to avoid costly errors. Plus, learn why it's crucial to have a comprehensive retirement plan that aligns with your risk tolerance and long-term goals.For more information on retirement planning, visit kpcfinancialsolutions.com!2025-04-1443 minKPC Financial Hour with Kevin & Karin ChristCrafting a Legacy and Avoiding the Pitfalls of Estate Planning - April 5, 2025Kevin and Karen dive into crafting your retirement legacy and avoiding common estate planning pitfalls. Discover strategies for tax efficiency, the importance of wills and trusts, and how to make sure your legacy benefits your loved ones.For more information on retirement planning, visit kpcfinancialsolutions.com!2025-04-0743 minKPC Financial Hour with Kevin & Karin ChristTax Efficient Strategies - March 29, 2025Join Kevin and Karen as they break down tax-efficient strategies to maximize your retirement income. Learn about the power of Roth conversions, diverse tax buckets, and smart withdrawal tactics to keep more of your hard-earned money.For more information on retirement planning, visit kpcfinancialsolutions.com!2025-03-3143 minKPC Financial Hour with Kevin & Karin ChristFive Ways to Make Your Retirement Income Last Longer - March 15, 2025Join Kevin and Karen as they discuss five practical strategies to make your retirement income last longer. From optimizing Social Security to finding the right balance between safety and growth, get the tips you need to secure your financial future.For more information on retirement planning, visit kpcfinancialsolutions.com!2025-03-1743 minKPC Financial Hour with Kevin & Karin ChristDodging the Top Nine Retirement Blunders - March 8, 2025Kevin and Karin identify and discuss the top nine blunders retirees often make and provide practical advice for avoiding these common pitfalls. Learn how to navigate the intricate landscape of retirement and ensure financial confidence for your golden years.For more information on retirement planning, visit kpcfinancialsolutions.com!2025-03-1043 minKPC Financial Hour with Kevin & Karin ChristPension-Like Benefits: Reinventing Retirement with Modern 401k Plans - February 22, 2025Kevin and Karen explore how to create pension-like benefits within modern 401(k) plans, focusing on the need for reliable income in retirement. They discuss recent innovations like IBM's changes and Fidelity's Guaranteed Income Direct platform. Learn how to enhance your retirement strategy by incorporating personalized planning, diversifying investments, and considering annuity options to ensure financial confidence and a secure retirement.For more information on retirement planning, visit kpcfinancialsolutions.com!2025-02-2443 minKPC Financial Hour with Kevin & Karin ChristHow Much Americans Expect to Need in Retirement - February 15, 2025Kevin and Karen dive into how much money Americans need for retirement, challenging the generic figures often cited like $1 million or more. They discuss the importance of personalized planning based on individual expenses and income sources, such as pensions and Social Security. Discover why understanding your unique financial situation is key to a secure retirement.For more information on retirement planning, visit kpcfinancialsolutions.com!2025-02-1743 minKPC Financial Hour with Kevin & Karin ChristBuilding a Partnership to Secure Your Financial Future - February 8, 2025Kevin and Karin chat about the importance of building a solid partnership to secure your financial future. They talk about the advantages of having a financial advisor, noting that while some folks do well on their own, expert guidance can often lead to better long-term results. Kevin and Karen also give practical tips on how to choose the right financial advisor.For more information on retirement planning, visit kpcfinancialsolutions.com!2025-02-1043 minKPC Financial Hour with Kevin & Karin ChristSearching for the Appropriate Retirement Income Strategy - January 18, 2025In retirement, you need a second opinion regarding your approach to investments and savings. You accumulated assets well up to this point, but how will you turn that into reliable income when you stop working? Kevin and Karin share their thoughts on an appropriate retirement income strategy and what that first meeting with them will look like for you.For more information about retirement planning, visit KPCFinancialsolutions.com!2025-01-2043 minKPC Financial Hour with Kevin & Karin ChristSearching for the Appropriate Retirement Income Strategy - January 18, 2025In retirement, you need a second opinion regarding your approach to investments and savings. You accumulated assets well up to this point, but how will you turn that into reliable income when you stop working? Kevin and Karin share their thoughts on an appropriate retirement income strategy and what that first meeting with them will look like for you.For more informaiton about retirement planning, visit KPCFinancialsolutions.com!2025-01-1643 minKPC Financial Hour with Kevin & Karin ChristPortfolio Stress Testing - December 28, 2024How much risk is too much risk in retirement? How aggressive do you want your investments to be after you are done working? Kevin and Jay discuss that and more on this week's KPC Financial Hour.2024-12-3043 minKPC Financial Hour with Kevin & Karin ChristRebalancing Portfolios for Retirement - December 21, 2024Jay Angotti, Certified Financial Planner "to the stars", joins Kevin to discuss the importance of rebalancing your portfolio as you approach retirement. The duo explains that the way you invested to build wealth before retirement isn't the most prudent way to get through your retirement years.2024-12-2343 min
KPC Smart Money PodcastEpisode 143: Summer Jobs for KidsTeaching children to make and save money can start as young as kindergarten and should be a skill that is learned long before they leave the nest. Today Kevin and I will talk about some fun ideas for children to make some money over the summer. And what important skills they will learn. Key takeaways: K - 3rd grade - Lemonade Stands & Chores 4th-7th grade - Babysitting, Mother's Helper or Pet Sitting 9th - 10th grade - Tutoring, gardening, house maintenance 11th - 12th grade - Retail jobs, freelance work 2024-05-3114 minKPC Smart Money PodcastEpisode 129: Money Wisdom for KidsAre you talking about money with your children or grandchildren? Unfortunately, many parents are not talking about money with their children, and just leaving it up to them to figure out how to be financially responsible adults someday. Today we talk about 7 ways to start a money conversation so you can share your wisdom on what and what not to do. Key takeaways: Saving money & delaying purchases What to do if someone asks to borrow money What would you tell your younger self if you could One thing you bought that you regret Financial Basics - Use AE Creative "Five Ret...2023-07-0612 minKPC Smart Money PodcastEpisode 128: Clean Your Financial HouseJust like you might spring clean your home, you can clean your financial house. This week we will give you tips on how to reduce your financial clutter. Just like spring cleaning, these are good habits to develop on a regular basis. Key takeaways: Purge the Paper and Get Digital Backup Consolidate Accounts Automate Savings Check your Financial Goals Will You Have Enough Income in Retirement? http://downloads.financial-resources.org/books/xtbx/#p=12023-06-0113 minKPC Smart Money PodcastEpisode 127: How to Weather a RecessionAre you worried about a major recession? Worrying won't help, and isn't good for you. The economy is cyclical and will experience times of recession. Listen this week to find out how to avoid anxiety. Key takeaways: Don't Buy into the Headlines Resist Impulsive Actions Make Time to Relax Expand Your Outlook Investing Basics - Use AE Creative "Understanding Market Corrections (Dually licensed version) 8 pages http://downloads.financial-resources.org/books/wjxu/#p=12023-05-2512 minKPC Smart Money PodcastEpisode 126: Happiness in Retirement Part 2In this two-part series we will give some ideas on how to be happy in retirement, assuming you have already handled the financial aspects. What are you going to do with the extra 2,000 hours per year you will have? Often people don't plan for what they will do with this new found time but it is important to your well being. Here are some ideas: Key Takeaways: Develop a grateful spirit Learn something new Find new adventures Whitepapers: Your Retirement Income Planning Checklist (Dually licensed version) 24 pages http://downloads.financial-resources.org/books/qmmm/2023-05-0412 minKPC Smart Money PodcastEpisode 125: Happiness in Retirement Part 1In this two-part series we will give some ideas on how to be happy in retirement, assuming you have already handled the financial aspects. What are you going to do with the extra 2,000 hours per year you will have? Often people don't plan for what they will do with this new found time but it is important to your well being. Here are some ideas: Key Takeaways: To enjoy wealth you need good health Companionship is vital You need a sense of purpose Whitepapers: Your Retirement Income Planning Checklist (Dually licensed version) 24 pages http://downloads.financial-resources.org/books/qmmm/2023-04-2713 minKPC Smart Money PodcastEpisode 124: Summer Fun for KidsKids and Grandkids will be out of school for the summer soon. On this podcast we will talk about the fun things we did as children, and offer some ideas to make summer break fun. And create lasting memories for the school aged children in your life. Key takeaways: Outdoor Ideas Indoor Ideas Educational Ideas Acts of Kindness 2023-04-0612 minKPC Smart Money PodcastEpisode 123: Is Pet Insurance a Good Idea?Pets are an important part of many families. Our "furry babies" can get injured and sick, and the vet costs can be very expensive. So, should you buy Pet Insurance? Key takeaways: Injuries to dogs or cats can cost $1,000s 84% of pet insurance issued by 4 carriers Plan can have deductibles & reimbursement percentages Other ways to save on Pet Care 2023-03-3012 minKPC Smart Money PodcastEpisode 122: Final Expense PlanningDo you know the difference between final expense life insurance and pre planned funeral packages? The cost of funerals increases between 5-7% per year. Since you already know that you will need a funeral at some time in the your life, why not plan ahead and save your loved ones the difficult decisions and financial burdens of your funeral? Key takeaways: Final Expense life insurance is a small death benefit meant to pay for your funeral Final Expense plans still require minimal underwriting, and you will pay the premiums for life Preplanned funeral packages lock in pricing today's costs All as...2023-03-2313 minKPC Smart Money PodcastEpisode 121: Why Go on Short-Term Missions - EcuadorOn the next 2 weeks of podcasts, we will share our experiences with short term missions. We hope you enjoy our insights on the people, their living conditions, and how to make a positive impact in their lives. This week we will talk about Ecuador. Key takeaways: What we enjoy about Ecuadorians Geographical & Economic highlights of Quito Medical Tents bring blood pressure & sugar readings, and eyeglasses How you can bring hope to remote villages 2023-03-1613 minKPC Smart Money PodcastEpisode 120: Why Go on Short-Term Missions - CubaOn the next 2 weeks of podcasts, we will share our experiences with short term missions. We hope you enjoy our insights on the people, their living conditions, and how to make a positive impact in their lives. This week we will talk about Cuba. Key takeaways: What does socialism really look like Poverty in Cuba vs poverty in the US Money manipulation in Cuba Many Cubans have never seen an American 2023-03-0912 minKPC Smart Money PodcastEpisode 119: Best Safe Interest Earning OptionsMany people are accumulating cash out of concern for stock market losses. We see many people that are frustrated though as safe alternatives for their cash often are not earning enough to keep up with inflation. Today we talk about safe and liquid options that are earning more than brick and mortar banks are paying. Key takeaways: Online High Yield Savings accounts How to find one that is right for you I-Bonds - how they work and what they are paying 2023-01-2612 minKPC Smart Money PodcastEpisode 118: 2022 Market Review2022 was a unique year for the stock market as many negative factors came together at the same time. The US hasn't seen this combination before: stocks and bonds both down, inflation, and some say a recession. So do traditional 60/40 investment plans work anymore? Listen to this week's podcast to see why your investment strategies need to change. Key takeaways: The impact of rising interest, inflation and recession in the same year Review of key metrics for 2022 3rd worst year in stock market history for 60/40 plans 2023-01-1912 minKPC Smart Money PodcastEpisode 117: Simple Positive ResolutionsEver make "big" New Year's resolutions that were onerous, difficult, and didn't last long? We all have. So instead, try some of these simple resolutions that are small steps to big change. Key Takeaways: Wake up every morning with a simple positive statement Recognize happy moments when you are in them Is this current issue long term? If not, let it go Don't procrastinate, get things done as they come up 2023-01-1213 minKPC Smart Money PodcastEpisode 116: New Year Habits - Part 2We have all tried New Year's Resolutions that didn't last long. Instead of resolutions, try adding simple new habits. We hope you can take one, two, or just a few of these simple habits and make them a part of your New Year. Our hope for you is that this coming year is better than this past year. Key takeaways: Get healthy, good breakfast, drink more water, sleep 7-8 hours a night Be proud of yourself, reflects on your good qualities and your strengths Plan! Your next day's goals & outfit, monthly goals, and daily to do's Think in solutions, not pro...2023-01-0513 minKPC Smart Money PodcastEpisode 115: New Year Habits - Part 1We have all tried New Year's Resolutions that didn't last long. Instead of resolutions, try adding simple new habits. We hope you can take one, two, or just a few of these simple habits and make them a part of your New Year. Our hope for you is that this coming year is better than this past year. Key takeaways: Count your blessings, and let those you love know what you think of them Journals, bucket lists, and to do lists Help others, be kind, stop judging others 2022-12-2913 minKPC Smart Money PodcastEpisode 114: New Grandparent TipsWhat an exciting time becoming a new Grandparent. This is new territory that needs to be navigated with wisdom and grace. Times have changed, and the baby has parents who may have different ideas than you do. Listen this week for our tips for new Grandparents. Key takeaways: Keep your advice to yourself Listen to the parents Help when you can, and that includes the parents Follow the parent's rules 2022-12-2211 minKPC Smart Money PodcastEpisode 113: Get out of Debt - Part 3Most people have found themselves dealing with too much debt as some time in their lives. Others live in perpetual debt. It isn't a good feeling when those debt payments seem endless. This three-part series will give you some ideas on how to get out of debt, and stay out of debt. Today we talk about creative ways to cut down on expenses. Key takeaways: Make a budget Extra income with side gig, sell stuff on Facebook Marketplace, stop investing Have one credit card and pay it off every month Give more 2022-12-1511 minKPC Smart Money PodcastEpisode 112: Get Out of Debt - Part 2Most people have found themselves dealing with too much debt as some time in their lives. Others live in perpetual debt. It isn't a good feeling when those debt payments seem endless. This three-part series will give you some ideas on how to get out of debt, and stay out of debt. Today we talk about creative ways to cut down on expenses. Key takeaways: Online coupons and consignment shopping are great ways to buy what you need at a discount FOOD is the hardest budget item to control Do you need expensive hobbies or memberships? Get creative with free enter...2022-12-0813 minKPC Smart Money PodcastEpisode 111: Get Out of Debt - Part 1Most people have found themselves dealing with too much debt as some time in their lives. Others live in perpetual debt. It isn't a good feeling when those debt payments seem endless. This three-part series will give you some ideas on how to get out of debt, and stay out of debt. Key takeaways: Start an emergency fund so that emergencies don't catch you by surprise List out your debts and pay off the smallest one first while paying the minimums on other debt Once you pay off the smallest debt, take that payment and apply it to the next deb...2022-12-0112 minKPC Smart Money PodcastEpisode 110: Is Pet Ownership Right for You?Being a pet owner has many joys and trials. Is owning a pet right for you? On today's podcast we talk about some of the joys and benefits of having pets. We also discuss the responsibilities and expenses. Key takeaways: Pets can help you live longer Pets can be great companions Know the costs before you get a pet: time and money Covid lockdowns created a rush to get pets 2022-11-2412 minKPC Smart Money PodcastEpisode 109: Older Workers are "Quietly Returning"There has been a trend among younger workers called "Quietly Quitting" where they do the least amount of work required for their job. But a new trend is emerging called "Quietly Returning" where older workers that were retired are "unretiring". This gives both employers and older workers big advantages. Older workers want part time, flexibility, routine, and socializing. Employers can fill open positions with people that have years of varied experience. Key takeaways: More than 60% of those who unretire say they are looking for something to do More than 50% are happy with their decision While it can be intimidating, these worke...2022-09-1512 minKPC Smart Money PodcastEpisode 108: $80 Million for the IRSI'm sure you have heard a lot about the provision in the Inflation Increase Act to give $80 million dollars to the IRS. There has been much concern about increases in IRS audits and that the IRS has been stockpiling bullets. While lawmakers are trying to calm the concerns of Americans, there are several reasons why the IRS is understaffed and service is suffering. The real question is what will happen when the IRS beefs up it's staffing. Key takeaways: Since the 2013 IRS scandal, there have been several IRS budget cuts The Inflation Increase Act will require more taxes to be coll...2022-09-0812 minKPC Smart Money PodcastEpisode 107: 6 Things Your Retirement Plan May Be Missing - Part 2It can be hard to see something that is missing. We often see people missing these 6 things from their retirement plans. The good news, is once you see it you can correct it. Not having a complete retirement plan Not considering Long Term Care Not having an estate plan 2022-09-0110 minKPC Smart Money PodcastEpisode 106: 6 Things Your Retirement Plan May Be Missing - Part 1It can be hard to see something that is missing. We often see people missing these 6 things from their retirement plans. The good news, is once you see it you can correct it. Key takeaways: Not having enough emergency savings & low earnings on these funds Having too much company stock Assets not allocated well 2022-08-2512 minKPC Smart Money PodcastEpisode 105: Inflation or Recession - Which is Worse?Today we explain the difference between inflation and recession and how these each potentially impact you financially. Does your financial plan include ways to overcome inflation and recession? Key takeaways: We are in the highest inflationary period in over 40 years By historical definition, we are in a recession We haven't seen both together since the 1970's What are good investments right now 2022-08-1813 minKPC Smart Money PodcastEpisode 104: Making Extra Money During Tough TimesWith the current inflation, we are looking for ways to make more money, or save money. On today's podcast we explore ways to earn more, save more, and spend less. Remember the old adage "a penny saved is a penny earned". Key takeaways: High Yield Savings Accounts Cash back credit cards Turn a hobby into cash Online coupons & cash back programs 2022-08-1111 minKPC Smart Money PodcastEpisode 103: Hold or Fold a Poor Performing FundIf you have a mutual fund that isn't performing well, how do you know if you should hold 'em or fold 'em? Look at your overall asset allocation strategy first and see if the fund is still in line with your goals or not. Then look at how much the fund is costing you. Key takeaways: How soon do you need the money? Look at your risk tolerance instead of chasing past performance Make sure you are rebalancing your asset allocations Do you know how much the fund is costing you in load fees and administrative fees? 2022-07-0712 minKPC Smart Money PodcastEpisode 102: Taking Vacation Could Save Your LifeNorth American workers can be workaholics, with 26% saying they have never taken two weeks' vacation at one time. But it is taking a toll on many people's health and lives. So why could vacations save your life? Listen in to this week's podcast to find out. Key takeaways: Increase mindfulness by reducing familiarity Improve heart health and reduce blood pressure, blood sugar, and abnormal cholesterol Boost brainpower and creativity when your mind is relaxed Improve sleep as you break your at home sleeping habits 2022-06-3013 minKPC Smart Money PodcastEpisode 101: Navigating Turbulent Stock MarketsHow you navigate a turbulent stock market depends on your age. Stay calm. Then listen to our navigation ideas based on whether you are 25, 45 or 65 years old. Key takeaways: If you're 25 - this is a great opportunity to buy stocks at cheaper prices and hold onto them. You have time on your side If you're 45 - keep to your long term strategy and move from bonds to defensive stocks If you're 65 - move from growth stocks to value stock and try to use other sources for income if you need it 2022-06-2311 minKPC Smart Money PodcastEpisode 100: Celebrating our 100th Podcast - Why We Do What We DoWe enjoy our weekly podcast which cover not only financial and retirement issues, but important issues in life. Our goal is to encourage you and give you new ways of thinking with tools for your success. Listen in to why we love what we do. Key takeaways: We truly love to help people One of the favorite parts of our jobs is people, and watching fear leave when they review their Retirement Blueprint Even hear what we don't like about our business 2022-06-1614 minKPC Smart Money PodcastEpisode 99: Bear Market in AmericaThe S&P 500 is nearing bear market territory, and NASDAQ has already dropped more than 20%. Add inflation, unemployment, and rising interest rates and people are scared right now. So just like bear season in the wild, keep on your path and bring bear deterrents. Key takeaways: Inflation is painful right now, as is the Feds increasing of interest rates Supply chain issues are increased due to China's zero covid policies Does the stock market slump signal deeper issues in the economy? 2022-06-0912 minKPC Smart Money PodcastEpisode 98: The Economy TodayStock market volatility and how it relates to the current state of the economy is on many people's minds. It has been over 12 years since we have seen a true market correction. The COVID-19 downturn turned around quickly. How are the market indicators different now? Key takeaways: What is an economic cycle and where are we in that cycle? The impact of inflation Is the economy driving stock market volatility? 2022-05-1211 minKPC Smart Money PodcastEpisode 97: Dependence, Independence & InterdependenceOn this week's podcast we will look at the definition of these words and how they apply to our relationships. We will explore what is healthy and unhealthy about each of these. Moving from dependence, to independence and then to interdependence reveals our level of maturity in taking responsibility for our own wellbeing. Key takeaways: Dependence is relying or being controlled by someone or something else Independence is NOT relying or being controlled by others, or in other words being free Interdependence is being mutually dependent on each other 2022-05-0514 minKPC Smart Money PodcastEpisode 96: 10 benefits of Lifelong Learning - Part 2Lifelong learning is like a health club for your brain. Lifelong learning has many mental and physical benefits, especially as we age. Engaging in learning for your entire life has many rewards. Key takeaways: Lifelong learning creates a curious, hungry, and open mind Lifelong learning gives us wisdom and helps us adapt to change Lifelong learning enhances relationships, self-fulfillment, and others 2022-04-2811 minKPC Smart Money PodcastEpisode 95: Lifelong Learning Part 1Lifelong learning is like a health club for your brain. Lifelong learning has many mental and physical benefits, especially as we age. Engaging in learning for your entire life has many rewards. Key takeaways: Lifelong learning creates a curious, hungry, and open mind Lifelong learning gives us wisdom and helps us adapt to change Lifelong learning enhances relationships, self-fulfillment, and others 2022-04-2113 minKPC Smart Money PodcastEpisode 94: Navigating Stock Market Volatility - Part 2When the stock market feels more like a roller coaster ride than smooth sailing, most investors become nervous. This can lead to emotional decisions and trying to time the stock market. In the two-part podcast we will look at history and statistics to help you stay the course. Key takeaways: Timing the market doesn't work Time in the market does Learn from the past 2022-03-2412 minKPC Smart Money PodcastEpisode 93: Navigating Stock Market Volatility - Part 1When the stock market feels more like a roller coaster ride than smooth sailing, most investors become nervous. This can lead to emotional decisions and trying to time the stock market. In the two-part podcast we will look at history and statistics to help you stay the course. Key takeaways: Look at history to help make decisions now We have always come through downturns Volatility is not new How long have market corrections lasted in the past 2022-03-1712 minKPC Smart Money PodcastEpisode 92: Learn to be More Patient - Part 2We all encounter situations where we wish we had more patience. Patience is a virtue in all avenues of life. Patience needs to be cultivated and practiced. In this two-part series we are going to talk about ways to increase your patience. Key Takeaways: What triggers you? Practice contemplating how to handle touch situations a head of time Find healthy ways to reduce stress Gratitude!! 2022-03-1012 minKPC Smart Money PodcastEpisode 91: Learn to be More Patient - Part 1We all encounter situations where we wish we had more patience. Patience is a virtue in all avenues of life. Patience needs to be cultivated and practiced. In this two-part series we are going to talk about ways to increase your patience. Key Takeaways: Progress not perfection Slow down, process and focus on one task at a time Take a deep breath and count Step back when emotions are running high 2022-03-0313 min
KPC Smart Money PodcastEpisode 90: How to Stop Feeling Overwhelmed - Part 2We have all experienced feeling overwhelmed at times. Is this a rare occurrence for you or a constant state of being? Listen over the next 2 weeks to find out what can cause these overwhelmed feelings, and how to overcome. Key Takeaways: Don't be a perfectionist Take a break Practice gratitude Practice kindness 2022-02-2411 minKPC Smart Money PodcastEpisode 89: How to Stop Feeling Overwhelmed - Part 1We have all experienced feeling overwhelmed at times. Is this a rare occurrence for you or a constant state of being? Listen over the next 2 weeks to find out what can cause these overwhelmed feelings, and how to overcome. Key Takeaways: Feeling overwhelmed can become a vicious cycle Challenge your limiting beliefs Focus on outcomes & prioritize Ask for Help! 2022-02-1813 minKPC Smart Money PodcastThe Art of Kindness - Part 2It seems to us that kindness has suffered recently with the constant barrage of bad news and COVID uncertainties. People seem to be focused on each other's differences instead of our common humanity. We hope this two-part series will bring the focus back on being kind. We will talk about all the benefits of simple kindness, to you and to others. Key takeaways: Kindness is teachable and contagious Positive hormones released in your brain when you are kind: Oxytocin, serotonin, dopamine Increase your lifespan, happiness, energy, and pleasure with acts of kindness Decrease pain, stress, anxiety, depression, and blo...2022-02-1012 minKPC Smart Money PodcastThe Art of Kindness - Part 1It seems to us that kindness has suffered recently with the constant barrage of bad news and COVID uncertainties. People seem to be focused on each other's differences instead of our common humanity. We hope this two-part series will bring the focus back on being kind. We will talk about all the benefits of simple kindness, to you and to others. Key takeaways: Kindness improves self-esteem, empathy, compassion and enhances relationships. Kindness positively changes your brain by releasing serotonin and dopamine Don't forget to be kind to yourself Be intentional! Plant positive seeds in your mind garden 2022-02-0312 minKPC Smart Money PodcastEpisode 86: You Are What You Think - Part 3Based on the scientific work of Dr. Caroline Leaf, we explore the power of your thinking and how it affects every part of your life. In this 3 part series, we highlight some of the ways your thinking impacts you and how you CAN choose to "Train Your Brain" (the name of one of Dr. Leaf's books). If you like what you hear in the next few podcasts, we encourage you to search out more. Key takeaways: You were not designed to go through life fearful What you think rewires your brain We are directly responsible for what we choose to...2022-01-1312 minKPC Smart Money PodcastEpisode 85: You Are What You Think - Part 2Based on the scientific work of Dr. Caroline Leaf, we explore the power of your thinking and how it affects every part of your life. In this 3 part series, we highlight some of the ways your thinking impacts you and how you CAN choose to "Train Your Brain" (the name of one of Dr. Leaf's books). If you like what you hear in the next few podcasts, we encourage you to search out more. Key takeaways: Multitasking is a myth What your mind creates only your mind can take away How you think not only affects your own spirit, soul, a...2022-01-0612 minKPC Smart Money PodcastEpisode 84: You Are What You Think - Part 1Based on the scientific work of Dr. Caroline Leaf, we explore the power of your thinking and how it affects every part of your life. In this 3 part series, we highlight some of the ways your thinking impacts you and how you CAN choose to "Train Your Brain" (the name of one of Dr. Leaf's books). If you like what you hear in the next few podcasts, we encourage you to search out more. Key takeaways: If you realized how powerful your thoughts are, you would never think a negative thought again You are not a victim. You can control yo...2021-12-3013 minKPC Smart Money PodcastEpisode 83: Not Your Parent's InflationThe current inflation increase is causing concern for many Americans. Is this short lived or will it continue? While the price of consumer goods, food, and gasoline have sharply increased, has it really increased as much as the negative reaction from consumers? Key takeaways: Consumer confidence is dropping quickly Does the "misery index" match the data on inflation Who should be worried? Why is the stock market still rising during this increase in inflation? 2021-12-2212 minKPC Smart Money PodcastEpisode 82: Should You Own Gold or SilverWe are often asked if Gold and Silver are a good addition to investments. There is a lot of confusion about how to own it. We will talk about the different ways to have Gold and Silver investments and the pros and cons of owning Gold and Silver. Key takeaways: Does Gold and Silver help hedge against inflation? Gold and Silver ETFs Should I own physical precious metals? What to watch out for 2021-12-1608 minKPC Smart Money PodcastEpisode 81: Givers, Takers & Matchers - Part 2We all know people that are givers and takers. Do you know what a Matcher is? And what type of reciprocity style are you? This week we will talk about each type and which ones are the most successful. Key takeaways: 5-minute favors Ask for help Give in "chunks" Do favors 2021-12-0911 minKPC Smart Money PodcastEpisode 80: Givers, Takers & Matchers - Part 1We all know people that are givers and takers. Do you know what a Matcher is? And what type of reciprocity style are you? This week we will talk about each type and which ones are the most successful. Key takeaways: Definition of Takers, Givers & Matchers Which ones are more successful at work Selfless & Otherish givers Tips for being a successful giver 2021-12-0212 minKPC Smart Money PodcastEpisode 79: Feel Younger in RetirementRetirees can often feel lost after retiring. They lose structure, identity, purpose, power and relationships during retirement. But your best years can be the ones ahead. You just need to know where to look. Key takeaways: Engage with people of all ages Stand up for what you believe in Make a difference in someone else's life Follow the dreams you didn't have to before 2021-11-1812 minKPC Smart Money PodcastEpisode 78: 5 Advantages to Investing in your 20sPeople in their 20s can think they are not financially stable enough to start investing. They may have student debt, low salaries, or just don't know how to start. The advantages to start young are significant though. Key takeaways: Time gives you the power of compounding You can take more risk with years of earning ahead of you Take advantage of tech savvy resources for investing and learn from your successes and failures Invest in yourself by learning advanced skills that can earn you more money 2021-11-1112 minKPC Smart Money PodcastEpisode 77: Financial Planning Tips for Beginners - Part 2Many people would like to be more active in managing their budget and financial plan. With all the advice and options available however, this can seem overwhelming. In this 2-part series, we will share some tips to on how to get started. Key takeaways: Pay yourself first Check your credit score Organize your financial records Start spending less money 2021-11-0412 minKPC Smart Money PodcastEpisode 76: Financial Planning Tips for Beginners - Part 1Many people would like to be more active in managing their budget and financial plan. With all the advice and options available however, this can seem overwhelming. In this 2-part series, we will share some tips to on how to get started. Key takeaways: Start with the end in mind Know where your money goes Make monthly deposits into an investment account Know your expenses 2021-10-2812 minKPC Smart Money PodcastEpisode 74: Faith vs. FearOur life is full of decisions. You can take the same action, but you can do it out of fear or faith. Fear is self-focused, while faith is God-focused. Are you making decisions based on fear or faith? Key takeaways: Reflect on your decisions and ask yourself if you are responding in fear or faith Fear is about security and control, faith is about trust and obedience Fear is timid, faith is bold Fear or faith have actual neurological impact on your brain (Dr. Caroline Leaf) 2021-10-1413 minKPC Smart Money PodcastEpisode 73: Mentally Strong People Find Peace - Part 3In this final segment of our 3-part series, we discuss how mentally strong people avoid negative habits that undermine their strength and peace. You can develop healthy ways of thinking, creating mental muscle, that brings you more peace. Key takeaways: Perfection is a hard task master Holding grudges and unforgiveness hurts YOU Material possessions don't satisfy your needs We need to admit when we need help 2021-10-0713 minKPC Smart Money PodcastEpisode 75: Worst Way to Withdraw Retirement FundsIt is important to have a "decumulation" plan for your Retirement assets. Many people don't realize these missteps can negatively impact how long your money will last in retirement. Listen in to find out how to avoid these mistakes. Key takeaways: Pay attention to taxability of your withdrawals Are you claiming Social Security too soon Use ROTH funds last unless you use them to balance a high tax year 2021-10-0511 minKPC Smart Money PodcastEpisode 72: Mentally Strong People Find Peace - Part 2How do you keep inner peace in times of turmoil? This week we continue our 3-part series on how mentally strong people have learned to have confidence that they can handle what life brings their way. Key takeaways: Comfortable vs challenging The victim mentality Trying to impress people 2021-09-1612 minKPC Smart Money PodcastEpisode 71: Mentally Strong People Find Peace - Part 1Turn on the news these days, and all you will hear is nonstop coverage of crises and bad news. Even talking with friends and family seems to bring up all the things that are wrong these days. So how do you keep your inner peace in times of turmoil? Stay tuned for our 3-part series to find some tips. Key takeaways: Don't engage with toxic people Don't play the self-blame game Happiness vs contentment 2021-09-0913 minKPC Smart Money PodcastEpisode 70: Avoid Behavioral Traps in Market SlumpsEconomic models typically assume that humans make rational decisions. But when it comes to investing in the market, many people fall into several behavioral traps. Learn what some of these traps are and how to avoid them. Key takeaways: Confirmation Bias Availability Bias Overconfidence Loss Aversion 2021-09-0213 minKPC Smart Money PodcastEpisode 69: Stress Reducing Activities at Home - Part 2We will finish our 2-part series on simple and inexpensive ways to reduce your stress without leaving your home. It takes 21 days to form new habits. Pick a stress reducing habit and incorporate it into your everyday life. Key takeaways: Baking Meditation/Prayer Stretching Coloring books & doodling 2021-08-2613 minKPC Smart Money PodcastEpisode 68: Easy Stress Reducing Activities - Part 1Stress and anxiety is different for everyone and is a brain and body push back on all you are trying to manage. Stress leads to a continuous fight or flight response that can have negative impacts on our health. There are easy and simple ways to relieve this stress. Key takeaways: Start your day with gratitude and make sure there is laughter in each and every day Incorporate quick bursts of movement throughout your day. Even 30 seconds will activate positive mood enhancing results Dance to a favorite song as if no one is watching! Take a bath or give yourself a q...2021-08-1913 minKPC Smart Money PodcastEpisode 67: Fixed Indexed Universal Life (FIUL) Insurance or ROTHWe will compare Fixed Indexed Universal Life to ROTH regarding tax savings, stock market risk, and additional benefits. This is the best way to truly compare the two instead of looking at only one aspect over a short period of time. Since both of these options create tax free income for retirement, which one meets more of your retirement goals and objectives? Key takeaways: Since these are both long term strategies, look at fees over a 10-year period or more. FIUL gives you upside stock market participation while protecting from market risk and downturns FIUL gives your loved ones a ta...2021-08-1212 minKPC Smart Money PodcastEpisode 66: ROTH Conversions & Biden Tax IncreasesWith a possible tax rate increase in the near future, people are wondering if it is still a good time to do ROTH Conversions. Anytime is a good time to do ROTH Conversions, depending on your specific situation. Creating tax free income for retirement is a good idea with government debt, spending, and an aging population likely to mandate higher taxes no matter what political party is in power. Key takeaways: Biden has signaled a tax increase for anyone making more than $400,000, however there can still be an impact on lower incomes There has been a recent increase in people as...2021-08-0513 minKPC Smart Money PodcastEpisode 65: Financial Planning BasicsWhen making a financial plan, we like to compare it to building a house. That is why we call our financial plans the Retirement Blueprint. In this week's show we will talk about some of the components of a solid written retirement plan. Takeaways: EVERYTHING starts with a good plan, that will change over time 80/10/10 rule - Set aside 10% of your monthly income for God/charity, 10% to savings, and then the remaining 80% on your monthly needs Good debt vs bad debt Live within your means 2021-07-2914 minKPC Smart Money PodcastEpisode 64: Investment Philosophy 101Every heard stock market investing terms that you aren't sure what they mean? If you want a brief overview of some common stock market terms and concepts, then this week's show is for you. Takeaways: What is Modern Portfolio Theory? What is the difference between Tactical and Strategic investing? How is Active management different than Passive? What does asset allocation mean? 2021-07-2213 minKPC Smart Money PodcastEpisode 63: Can You Retire on a $1 Million?You have no doubt heard the idea that you can retire by starting with $1 million dollars and just withdraw 4% per year. Can you have confidence in this? Today we talk about why this often won't work. Key takeaways: If you are 65 years old, and $1M dollars, spend $50,000/year, and only take 4% of your $1M, your money would only last about 20 years after inflation and taxes BUT everyone's situation is different. Do you have a comprehensive retirement plan that takes into account: Geography, longevity, lifestyle, health care, investment risk, taxes and inflation? The key is enough guaranteed income to cover your mont...2021-07-1511 minKPC Smart Money PodcastEpisode 62: Set up a Generational Estate MeetingEnd of life planning is a critical component of an airtight financial plan. Generational meetings with parents, children and financial advisors is gaining popularity for many reasons. Does your financial advisor link your heirs with your wishes and provide guidance to your loved ones when you are gone? Key takeaways: Have you ensured that there is a plan in place for when the unprecedented happens? Generational meetings can minimize the stress of planning for the future of your finances These meetings take the pressure off of you to communicate complex financial plans Plan today for your assets to be transferred ef...2021-07-0812 minKPC Smart Money PodcastEpisode 61: Take Control of Your Financial Life - Part 13 "Get Organized"This is the final podcast in our Take Control of Your Financial Life series. We have shared many ideas, and thank you for your positive feedback. It seems only fitting to end the series with some organization tips. Key takeaways: Set up automatic bill pay to avoid late fees and protect your credit score Every week look at your finances. Set up reminders, especially to make sure you have enough money in the bank for the automatic bill pay. Find out what documents you need to keep: taxes, contracts, loans, real estate Make small investments today to save you money ove...2021-07-0114 minKPC Smart Money PodcastEpisode 60: Take Control of Your Financial Life - Part 12 "Do You Need a Will or a Trust?"More than 60% of Americans do not have a will, including parents with children under 18! People don't understand what might happen if they die prematurely. Or they are hesitant because they just don't know what they need or how to get a will or trust. We hope this podcast will encourage you to put this on the top of your to do list. Key takeaways: Getting a will or trust is one of the most crucial aspects of a solid financial plan. Even a simple will identify your wishes for who will take care of your minor children. Without a will, a...2021-06-2412 minKPC Smart Money PodcastEpisode 59: Take Control of Your Financial Life - Part 11 Unique Ways to Save MoneyI love to hear the different ways people come up with to save money. Some of these ways are easy and fun. It doesn't have to be hard. Key takeaways: Spare change jars Shop at a dollar store Cook dinner at home Do weekend cooking for the week ahead 2021-06-0311 minKPC Smart Money PodcastEpisode 58: Take Control of Your Financial Life - Part 10 Budget TricksWe all can add new habits to drive unnecessary expenses out of our budgets. This week we share more fun ideas to create a lifetime of good spending habits. Key takeaways: Have a no-spend week Use coupon apps Find free stuff! Cancel subscriptions 2021-05-2712 minKPC Smart Money PodcastEpisode 57: Take Control of Your Financial Life - Part 9You can find money (savings) in your bank and credit card statements. It is easy to overlook small charges, recurring subscriptions, or even wrong charges when you review your bank and credit card statements often. Key takeaways: Look for recurring charges. Do you use what you are paying for? Be thoughtful when you review your expenses. Do you really need the things you are spending money on? Be careful of "free" items that convert to monthly or annual billing after the "free" period. Do you have rewards on your credit cards like travel points or cash? Reward yourself by switching cred...2021-05-2011 minKPC Smart Money PodcastEpisode 56: Take Control of Your Financial Life - Part 8We will discuss today some ways to earn extra money. Whether you need to cover budget expenses, have something fun you are saving for, or just have time on your hands and want to do something, we hope today's podcast gives you some ideas. Key takeaways: Have a car? Try becoming a driver for Uber, Lyft, UberEATS, Door Dash, Amazon, or many other companies looking for part time drivers Are you opinionated? Why not become a mystery shopper, get paid for online opinions, or join a focus group? Sell your stuff! With Facebook marketplace, consignment shops, eBay and many other opti...2021-05-1311 minKPC Smart Money PodcastEpisode 55: Take Control of Your Financial Life - Part 7How to take control of an often-overlooked area of your budget - groceries! Today we are sharing ways to buy what you need, avoid overspending, and where to shop. Key takeaways: Make a list before you go to the store Shop at more than one store depending on what you need to buy Use cash instead of credit cards for 3 weeks until it becomes a habit to know how much you are spending before you get to the checkout register Warehouse clubs are great but be careful of overspending on items you don't really need 2021-05-0612 minKPC Smart Money PodcastEpisode 54: Take Control of Your Financial Life - Part 6Are fees eating away at your budget? There are all kinds of fees, some small some big, that you can avoid. Keep more of your money by eliminating or avoiding fees that don't have value. Key Takeaways: Investment fees are a normal part of having your investments managed. Do you get value for them? Banking fees can be avoided. Do you pay for checking accounts, ATMs, overdraft or money transfer fees? Did you know you can make a phone call and often have your credit card interest rate reduced or late fees removed? Get rid of unused TV and App subs...2021-04-2912 minKPC Smart Money PodcastEpisode 53: Take Control of Your Financial Life - Part 5There are common personal finance mistakes that often occur over and over again. You can get out of, or avoid, these mistakes. Listen to this multi-part series and find out if you are making any of these mistakes and how you can correct them. Key takeaways: Create a budget Evaluate/Review your budget Track you spending Free budgeting software 2021-04-2213 minKPC Smart Money PodcastEpisode 52: Take Control of Your Financial Life - Part 4There are common personal finance mistakes that often occur over and over again. You can get out of, or avoid, these mistakes. Listen to this multi-part series and find out if you are making any of these mistakes and how you can correct them. Key takeaways: Look at bank and credit card statements frequently Create stronger passwords for your online accounts How to avoid scams designed to trick you into giving away personal information and logins Get a cheaper cell phone plan 2021-04-1512 minKPC Smart Money PodcastEpisode 51: Take Control of Your Financial Life - Part 3There are common personal finance mistakes that often occur over and over again. You can get out of, or avoid, these mistakes. Listen to this multi-part series and find out if you are making any of these mistakes and how you can correct them. Key Takeaways: Transfer out of high interest debt to zero or low interest debt Find free money Reduce student loan debt by refinancing or adding to your minimum payments Find better prices insurance, utilities and other expenses 2021-04-0810 minKPC Smart Money PodcastEpisode 50: Take Control of Your Financial Life - Part 2We all want to have control of our Financial Life. Sometimes the steps needed to get there can seem intimidating. It doesn't have to be. Pick some of the steps we will talk about in this series, and start building your financial confidence today. Key Takeaways: Review your credit report - OFTEN How to correct negative events on your credit report Make an extra payment toward debt 2021-04-0112 minKPC Smart Money PodcastEpisode 49: Take Control of Your Financial Life - Part 1We all want to have control of our Financial Life. Sometimes the steps needed to get there can seem intimidating. It doesn't have to be. Pick some of the steps we will talk about in this series, and start building your financial confidence today. Key Takeaways: Set goals Make or increase your 401k contributions, especially if you have employer matching Start an automatic savings plan, no matter how much you can start with 2021-03-2511 minKPC Smart Money PodcastEpisode 48: Biggest Personal Finance Mistakes - Part 2There are common personal finance mistakes that often occur over and over again. You can get out of, or avoid, these mistakes. Listen to this two-part series and find out if you are making any of these mistakes and how you can correct them. Key takeaways: What if the primary earner dies or suffers a disability? How well have you trained your children to be financially responsible? Are you taking advantage of all the benefits your employer offers? What's your plan for major purchases? Are your investments diversified and age appropriate? 2021-03-1812 minKPC Smart Money PodcastEpisode 47: Biggest Personal Finance Mistakes - Part 1There are common personal finance mistakes that often occur over and over again. You can get out of, or avoid, these mistakes. Listen to this two-part series and find out if you are making any of these mistakes and how you can correct them. Key takeaways: Are you living paycheck to paycheck? Does only one person in the family know where the money goes? Do you discuss budgets, spending and goals with your partner? DO NOT loan money to family and friends Do you have an emergency fund that you put money in regularly? 2021-03-1112 minKPC Smart Money PodcastEpisode 46: Overspending SpousesSpouses often have differing opinions on saving and spending, but when does it become a problem? A spouse that overspends can create tension, anxiety and even anger in a marriage. We will talk about the problems this causes, but more importantly, some solutions. Key takeaways: An overspending spouse can endanger your retirement Communication and understanding underlying issues can help couples find common ground Overspending is often more than just numbers, it is emotional Take action before marital damage leads to divorce 2021-03-0412 min
KPC Financial Hour with Kevin & Karin ChristPortfolio Design Aired 08.11.19Would you like to know a little more about how to invest in the stock market before and after retirement? Listen to Kevin & Early talk about sound portfolio design.2019-08-2342 min