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Michael Herman And Matthew Cloutier

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Money Matters PodcastMoney Matters PodcastRising Rates Join Long List of Housing DilemmasHomebuyers braving the hot U.S. housing market have run headlong into a striking transition. The average interest rate for a 30-year fixed mortgage jumped from around 3.2% at the beginning of 2022 to 5.3% in mid-May, the highest level since 2009. This rise was sparked by the Federal Reserve's commitment to raise the federal funds rate — a key benchmark for short-term interest rates — to help control the highest inflation in decades.2022-09-2110 minMoney Matters PodcastMoney Matters PodcastHigh Inflation: How Long Will It Last?When inflation began rising in the spring of 2021, many economists, including policymakers at the Federal Reserve, believed the increase would be transitory and subside over a period of months. One year later, inflation has proven to be more stubborn than expected. It may be helpful to look at some of the forces behind rising prices, the Fed's plan to combat them, and early signs that inflation may be easing.2022-08-2409 minMoney Matters PodcastMoney Matters PodcastTech Sector Turmoil and the Bear MarketDuring the intensely volatile first 100 trading days of 2022, the stocks of companies in the S&P 500 index delivered their worst performance since 1970.1 The S&P 500 continued to tumble, and the benchmark index descended into a bear market — typically defined as a sustained drop in stock prices of at least 20% — on June 13, 2022. When the market closed, the S&P 500 had dropped 21.8% from its January 3 peak, and the tech-heavy NASDAQ, already in bear territory, had plunged 32.7% from its November 19, 2021 peak.2022-07-2011 minMoney Matters PodcastMoney Matters PodcastManaging Bond Risks When Interest Rates RiseRaising the federal funds rate places upward pressure on a wide range of interest rates, including the costof borrowing through bond issues. Regardless of the rate environment, however, bonds are a mainstay forinvestors who want to generate income or dampen the effects of stock market volatility on their portfolios.You may have questions about how higher rates could affect your fixed-income investments and what youcan do to help mitigate the effect in your portfolio.2022-07-2012 minMoney Matters PodcastMoney Matters PodcastStay Sane in a Crazy MarketKeeping your cool can be hard to do when the marketgoes on one of its periodic roller-coaster rides. It'suseful to have strategies in place that prepare youboth financially and psychologically to handle marketvolatility. Here are 11 ways to help keep yourself frommaking hasty decisions that could have a long-termimpact on your ability to achieve your financial goals.2022-06-1710 minMoney Matters PodcastMoney Matters PodcastFinancial Survival After Job LossYou may have lost your job already, or it's somethingyou're concerned about. Either way, the keys tosurviving a job loss financially are to plan ahead, takestock of your income, and cut your expenses.2022-06-1711 minMoney Matters PodcastMoney Matters PodcastFinancial Basics for MillennialsWith age comes responsibility, so if you're a youngadult in your 20s or 30s, chances are you've beenintroduced to the realities of adulthood. While you'reexcited by all the opportunities life has to offer, you'realso aware of your emerging financial responsibility.2022-06-1711 minMoney Matters PodcastMoney Matters PodcastConverting Savings to Retirement IncomeDuring your working years, you've probably set asidefunds in retirement accounts such as IRAs, 401(k)s,or other workplace savings plans, as well as intaxable accounts. Your challenge during retirement isto convert those savings into an ongoing incomestream that will provide adequate income throughoutyour retirement years.2022-06-1706 minMoney Matters PodcastMoney Matters PodcastPlanning For Retirement Mike and Matt discuss the importance of planning for retirement.2021-09-2231 minMoney Matters PodcastMoney Matters PodcastEstate Planning Mike and Matt bring in Estate Attorney, RaQwin Young from The Law Office of RaQwin Young, LLC in Golden to speak on why you should have your estate planning in order no matter your age or wealth.2021-04-1633 minMoney Matters PodcastMoney Matters PodcastWhy Is Life Insurance So Important?Mike, Matt, and Hunter explain the importance of life insurance and how it can reduce the economic hardship on families in the event of a death.2021-04-1626 minMoney Matters PodcastMoney Matters PodcastDisability Income and Critical Illness Coverage In this episode, Mike, Matt, and Hunter explain the difference between disability income and critical illness coverage and how they each can play a role in alleviating financial burdens onset by unexpected accidents or illnesses.2021-03-1726 minMoney Matters PodcastMoney Matters PodcastLong Term Care Mike, Matt, and special guest, Hunter Wyckoff, explain what long term care coverage is and how putting safeguards in place now can protect your assets and quality of life against the impact of long term care expenses in the future.2021-02-0227 minMoney Matters PodcastMoney Matters PodcastRisk ManagementMike and Matt bring in special guest, Hunter Wyckoff, to provide deeper insight on the importance of insurance.2021-01-0422 minMoney Matters PodcastMoney Matters PodcastBasics of Cash Flow Management Mike and Matt discuss the fundamentals of cash flow management and why having a budget and sticking to it is crucial for keeping your spending in check and your savings on track for the future.2020-12-0725 minMoney Matters PodcastMoney Matters PodcastWhy Work With a Financial Advisor? With all the information sources for people to sort through regarding financial planning, many people don't understand the value a financial advisor brings to the table. Mike and Matt talk about the basics of financial planning and why a complete financial plan is essential in avoiding possible costly mistakes.2020-10-1323 min