Shows
Friends Talk MoneyThe Truth About Financial Advisors: Friends Talk Money Co-Hosts Interview Pam KruegerIs your financial advisor truly working in your best interest — or theirs? In this eye-opening episode, the Friends Talk Money team turns the mic toward their own co-host, Pam Krueger, as she reveals the personal story behind Wealthramp, the platform she created to connect investors with trustworthy, vetted financial advisors. Pam shares the shocking truths she uncovered about conflicts of interest in the financial industry and why too many investors unknowingly work with advisors who don’t prioritize their clients' financial well-being. Learn how Wealthramp is disrupting the traditional advisor model by putting integrity, transparency, and fiduciary resp...2025-05-0546 min
HerMoney with Jean ChatzkyFinancial Advisors Unfiltered: What They Do, What They Don’t, and What to AskFinding a trustworthy financial advisor can feel overwhelming, but it doesn’t have to be. Today, we’re joined by Pam Krueger, an investor advocate and the founder of Wealthramp, a referral service that connects consumers with vetted, fee-only fiduciary advisors, to break down how to find the right advisor for your financial goals. We dive into the biggest red flags to watch for, the difference between fee-only and commission-based advisors, and how to take control of your money with confidence.Resources & Links Mentioned:
Connected with a vetted, fee-only financial advisor here...2025-04-0239 min
The Long ViewPam Krueger: How to Find a Financial AdvisorHi, and welcome to The Long View. I’m Christine Benz, director of personal finance and retirement planning for Morningstar. Our guest on the podcast today is Pam Krueger. Pam is the founder and CEO of Wealthramp, which seeks to match consumers with financial advisors who fit their needs. Pam is also the creator and co-host of MoneyTrack, seen on PBS and many other public media stations around the country. And she co-hosts the Friends Talk Money podcast with Terry Savage and Richard Eisenberg. In 2021, she received the Special Achievement Award from the National Association of Personal Financial Advisors, or...2025-02-1152 min
Money Talks News: The PodcastAll The Single Ladies: 3 Ideas for Investing in Your FutureFlying solo? Your finances should soar too! Single ladies are breaking the mold and building their own financial empires. But are you ready to take control of your financial future? From real estate to retirement, from saving to spending smart - we're covering everything you need to know about managing money as a single woman. Join us for this empowering episode packed with practical advice and proven strategies. Your financial independence awaits! Ready to build your wealth, your way? Subscribe to the Money Talks News newsletter and YouTube channel now. Your futu...2025-01-0839 minFriends Talk MoneyAnswers to The Big Questions for the Second Half of Life With Debra Whitman, PhDDebra Whitman Chief Public Policy Officer, AARP joins the Friends Talk Money crew to give us a glimpse into her latest book, ‘The Second Fifty’. Dive into the conversation as Richard, Pam, and Terry discuss the big questions about health, wealth, and longevity in midlife and beyond. What’s the biggest question you have about navigating this new chapter? Listen to learn more!2025-01-0635 minFriends Talk MoneyKickstart Your New Year: Essential Financial Tips for a Better LifeReady to make 2025 your best financial year yet? The Friends Talk Money team is here to help! Join Terry, Rich, and Pam as they break down 9 essential tips to set yourself up for financial success in the new year. Unlock Your Financial Future - Begin by consolidating all your year-end IRA statements and harness the power of an online RMD calculator to determine your 2025 minimum distributions. This crucial step ensures you’re setting aside the right amount for a secure future. Refresh Your Records - Keep your IRA beneficiaries up-to-date to safeguard your legacy. Optimize Your Portfolio - Align your investm...2024-12-1326 minFriends Talk MoneyCharitable Giving 101: Year End Tax Tip & Maximize Your ImpactIt’s that time of year again! The Friends Talk Money team dives into charitable giving. There are many benefits to contributing to your favorite charity. The conversation is about the tax and personal benefits of giving. But how do you choose the right charities, align donations with your values, and maximize tax savings? Terry, Rich, and Pam share tips on vetting charities and questions to ask your financial advisor. Tune in and join the conversation!2024-11-2531 min
Retirement Starts TodayDon’t be Rattled by RMDsAre you feeling rattled by Required Minimum Distributions (RMDs)? We’re here to help. Today we get deep into managing RMDs as we explore an article by Pam Krueger from Kiplinger’s. I outline the complexities of RMDs, share strategies to minimize tax impacts, and talk about how to craft a "perfect RMD" strategy. Plus, I’ll dig into why so many retirement podcasters, myself included, have no plans to retire themselves. We kick things off by understanding the basics of RMDs, including when and how retirees must start withdrawing funds from tax-deferred accounts like IRAs and 401(k)s. I...2024-10-2822 min
“Fun With Annuities” The Annuity Man PodcastPam Krueger: The Best Wealthramp on How to Roll Your 401K or IRAIn this episode, The Annuity Man and Pam Krueger discuss: Finding fiduciary financial advisors Customizing an annuity according to your goal Rejecting pushy pitches from agents Avoiding costly mistakes through education Key Takeaways: Seek independent, fee-only, fiduciary advisors focused solely on your interests, not commissions or product sales. Avoid one-size-fits-all annuity recommendations; annuities should be evaluated based on individual needs and financial situations. Take advantage of the one-year do-not-solicit period after rolling over a 401(k) to an IRA to avoid urgent pitches...2024-10-0832 min
Money Talks News: The Podcast5 Things to Do Before You Inherit Your Parent's HouseThe great wealth transfer of trillions of dollars in assets – approximately $72.6 trillion over the next 20 years – has begun. Among those assets are inherited properties, but it's tough to deal with the baggage that comes with an inherited house. Pam Krueger from Wealthramp is back to go over essential questions to ask when you inherit a house. You can download the episode wherever you get your podcasts: Listen on Apple Podcasts Listen on YouTube Music (formerly Google Podcasts) Listen on Spotify Don't forget to check out our podcast page for more epis...2024-09-1826 min
Money Talks News: The Podcast5 Critical Retirement Tips for Gen-XersGen X is often considered the overlooked generation, but we're looking right at YOU today. Gen X is people born between 1965 and 1980, so this is a group that should be starting to think about retirement. But will they be ready? As the Baby Boomer generation aged, they figured they'd need just under a million – $990,000 to retire. Gen X? Different story. According to the results of a January survey by Northwestern Mutual, the average amount that people across this age group said they would need to retire comfortably is closer to $1.5 million. Yet, the aver...2024-07-2431 min
So Money with Farnoosh Torabi1692: Ask Farnoosh: Is it OK to Invest Solely in the SP500? How Much Life Insurance Do I Need? (Encore)This episode aired originally on Friday, May 31.Pam Krueger, founder of Wealthramp, joins to help answer audience questions about the ins and outs of life insurance, investing in the U.S. stock market, and credit card debt relief. Listen to Pam's interview from earlier this month, discussing ways to find a great financial advisor. Wealthramp is a platform that has matched over 20,000 individuals with fiduciary advisors and financial planners since 2019 and boasts client retention rates exceeding 98%. Wealthramp’s vetted advisor network spans the country and offers diversity in geography, specialization, gender, and fee structure. Visit Wealthramp.com/Farn...2024-07-0545 min
The Money Love Podcast152: Should you hire a financial advisor? With Pam Krueger, Founder of WealthrampHow do you know if it's time to hire a financial advisor? Do you even need to work with a financial advisor? How do you know how to find one that actually has your best interest at heart? If these are questions you've ever had then look no further than this week's episode of the podcast. We're breaking down all the important things you need to know about finding and working with a financial advisor. In this week's episode of The Money Love Podcast I'm talking with Pam Krueger, the founder of Wealthramp, a fee-only a...2024-06-111h 06So Money with Farnoosh Torabi1677: Ask Farnoosh: How to Buy Life Insurance, Reduce Investment Risk, and Get Out of DebtThis week, Pam Krueger, founder of Wealthramp, joins to help answer listener questions about life insurance, investing, and debt management. Listen to Pam's interview from earlier this month, discussing ways to find a great financial advisor. Wealthramp is a platform that has matched over 20,000 individuals with fiduciary advisors and financial planners since 2019 and boasts client retention rates exceeding 98%. Wealthramp’s vetted advisor network spans the country and offers diversity in geography, specialization, gender, and fee structure. Visit Wealthramp.com/Farnoosh to start your search today.2024-05-3145 minSo Money with Farnoosh Torabi1666: Keys to Getting Your Money's Worth with a Financial AdvisorWe’re dedicating this entire episode to probably the biggest question I get from listeners: Should I work with a financial planner? We’re addressing your top concerns and questions about working with a financial advisor with guest Pam Krueger, a seasoned financial journalist and the creator and co-host of MoneyTrack, which ran on PBS stations nationwide.Pam is also the founder of Wealthramp, a platform that has matched over 20,000 individuals with fiduciary advisors and financial planners since 2019 and boasts client retention rates exceeding 98%. Wealthramp's vetted advisor network spans the country and offers diversity in geography, special...2024-05-0635 minFriends Talk MoneyWhat You Don’t Know About Longevity Could Hurt Your RetirementYou're probably familiar with financial literacy, which entails having the skills, knowledge and behaviors to make decisions about money. But how's your longevity literacy? Not sure what we're talking about? In this episode Pam, Terry and Richard break down longevity literacy, and explain the impact, especially when it comes to your retirement readiness. Guest expert, Surya Kolluri, who is the head of the TIAA Institute joins the Friends Talk Money crew to uncover the importance behind longevity literacy and why he believes more Americans should focus on improving theirs.2024-02-2334 min
Venture F: The PodcastHow & Why of Working with a Financial Advisor with Pam KruegerOn this episode of Venture:F we delve into the how and why of working with a financial advisor, what it means to be a fiduciary, and setting a solid foundation for beginning your investing journey.
Pam Krueger is the Founder & CEO of Wealthramp an advisor matching platform that connects consumers with rigorously vetted and qualified fee-only financial advisors. It is the only advisor referral service that gives people full control over when and how they talk to their referred advisors. Go to wealthramp.com/venturef and get a free initial consultation with your advisor of choice.
SIGN UP for...2024-02-0932 minFriends Talk MoneyWhat financial advice are you getting for your 401(k) rollover?In this episode Pam, Terry and Richard talk about what’s likely to be the most important financial decision you’ll ever make… what to do with your 401(k) money when you’re ready to retire? The Department of Labor says any retirement advice you get a work should always be in your best interest. The question is… is it? Pam leads the discussion about the DOL’s new proposed Fiduciary Rule and includes special guest Kevin Walsh of Groom Law Group and break down why the DOL’s so worried.2024-02-0830 minFriends Talk MoneyHow You Can Financially Set Up Your Grandchildren For SuccessIn this episode, the Friends Talk Money team discusses how you can help set up your grandchildren for financial success beyond the traditional 529 college saving plans. Tune in as Pam, Richard and Terry share helpful tips and savvy money strategies that they’ve learned from their own personal experiences.2023-12-2829 minFriends Talk MoneySocial Security Horror Stories!Social Security is clawing back $21 billion in mistaken overpayments — impacting retirees and the disabled. Terry Savage and Larry Kotlikoff have written a new book —Social Security Horror Stories— revealing the shocking abuse. Last weekend they were featured on CBS - Sixty Minutes speaking with Anderson Cooper about this issue. In this episode, Larry joins Terry, Pam and Richard to take a deeper dive into problem and what you should do to ensure you get what’s rightfully yours.2023-11-0841 minFriends Talk MoneyMedicare's Coverage of Alzheimer's and Weight-Loss DrugsIn this episode, Friends Talk Money co-hosts Pam Krueger, Richard Eisenberg and Terry Savage discuss what Medicare does and doesn't cover when it comes to treatments for Alzheimer's Disease and drugs for weight loss. A recent FDA decision means Medicare will be covering a new, game-changing Alzheimer's drug for many people 65 and older, but there are some strings attached. By contrast, Medicare currently won't pay for drugs to lower weight, although it will pay for weight-loss surgery in some cases. An act of Congress, however, could change the rules about Medicare and weight-loss drugs.2023-07-1028 min
Beyond RetirementLeveraging Your Skills & Passions - with Pam KruegerPam Krueger is a recognized investor advocate, personal finance journalist and author. She created and co-hosted the investor education TV series, MoneyTrack, which aired on PBS from 2005-2019 and was funded by the Investor Protection Trust. At the request of her viewers, she created Wealthramp as a free tool to help people who were looking for an advisor they could trust. She is also the co-host of the Friends Talk Money podcast.Pam connects with people every day who are planning for their retirement and setting new goals. Today she talks about how to take the skills...2023-07-0934 minFriends Talk MoneyHow Grandparents Can Use 529 Plans to Save For Their Grandkids’ College TuitionIn this Friends Talk Money episode, college financing expert Mark Kantrowitz talks with our hosts Terry Savage, Pam Krueger and Richard Eisenberg on how grandparents can use 529 plans to save for their grandchildren’s’ college tuition bills. 2023-06-2737 minFriends Talk MoneyAnnuities for Retirement IncomeMention the word “annuity” and most investors recoil. There seem to be so many hidden secrets and costs. And high pressure sales tactics along with "free dinners." In today’s podcast we unravel those mysteries – with the one man who has consistently worked to educate the public to the ins and outs of annuities – as well as some of the better uses of these insurance company contracts. Stan Haithcock’s website – www.StantheAnnuityMan.com -- is a great resource for free basic information and good advice on annuities. And Stan is one of the most entertaining financial speakers you’ll ev...2023-02-2451 min“Fun With Annuities” The Annuity Man PodcastPam Krueger: Your Wealthramp to Fiduciary AdviceIn this episode, The Annuity Man and Pam Krueger discuss: Should you trust people not held to a fiduciary standard? The advantage of buying a registered advisor The mark of a great financial advisor Two questions you must ask your advisor Key Takeaways: There are a lot of self-described advisors working at brokerage firms or insurance companies. They are not necessarily bad people or bad advisors but work for a business model that has consciously chosen not to be held to the legal fiduciary standard. 2023-02-1441 minFriends Talk MoneyHow to Make Your Money Last in Retirement Many people worry about running out of money in retirement. But Jim Mahaney, a retirement advisor in New Jersey, says you can lessen that worry by creating what he calls a "resilient retirement income plan." He just wrote a whole book about it — "How to Craft a Resilient Retirement Income Plan" and in this episode, Friends Talk Money podcast co-hosts Richard Eisenberg, Pam Krueger and Terry Savage talk about how, and why, to do just that. 2022-12-2226 minFriends Talk MoneyBest Holiday Gifts that Teach Kids about MoneyThe holiday shopping season is officially underway, and like many grandparents and parents, you’re probablysearching for gifts that will make a lasting impression on young people–rather than being quicklyoutgrownor broken. So we have gathered some of our best holiday money gifts for kids of all ages—gifts that will keep on giving for years to come. 2022-12-0925 minFriends Talk Money2022 Year-End Tax Planning TipsDelaying billing 2022 side-gig income until 2023, maximizing end-of-year pre-tax retirement plan contributions, and selling stocks at a loss to offset capital gains are just a few of many steps you can take right now to reduce your 2022 taxable income. Terry, Pam and Richard discuss these and other strategies and IRS changes that may lower tax bills for many Americans in 2023. 2022-11-2329 minFriends Talk MoneyAre alternative investments right for you?With the stock and bond markets delivering lousy returns this year, some investors are wondering whether to add so-called alternative investments to their portfolios. In this episode, Pam, Terry and Richard discuss the risks of investing directly in unregulated asset classes like gold, real estate, commodities and even cryptocurrency and suggest ways that investors may be able to use publicly traded securities to gain indirect exposure to these alternative asset classes with lower risk. 2022-10-1029 minFriends Talk MoneyWhat You Need to Know About Claiming Social SecurityTwo thirds of retirees get more than half of their income from Social Security. That’s why it’s critical to make the right claiming decision. In this episode, the three friends are joined by Social Security expert and bestselling author Lawrence Kotlikoff, who discusses scenarios where you might want to start taking Social Security earlier or delay starting until your full retirement age or later. 2022-09-2953 min
Ventures in WealthTechA Match Made in Financial HeavenMany investors struggle to trust that financial advisors and wealth management firms have their best interest at heart when almost 90% of the industry operates in sales-driven business models. The one thing all investors have in common is their desire to have a personalized experience with their advisors. The challenge is how investors find and vet advisors before making a commitment. Listen to our latest podcast to hear from special guest, Pam Krueger, CEO and Founder of WealthRamp, and her vision of helping investors take control of their financial futures using a tool designed to match them with advisors that...2022-09-0728 min
Alzheimer's SpeaksLearn How Two Programs Are Changing How You Can Protect Your MoneyOur Host, Lori La Bey will be talking with Carefull’s Family Finance Expert Cameron Huddleston who is also the author of a wonderful book called Mom and Dad, We Need to Talk: How to Have Essential Conversations With Your Parents About Their Finances. Also joining us will be Pam Krueger the founder of Wealthramp. Pam founded Wealthramp to ensure every investor can find an advisor with integrity, transparency, and a focus on each client’s best interests – not on their own. We are live today so call in and ask your questions or make a comment at (323) 870-4602 2022-09-0658 minAlzheimer's SpeaksLearn How Two Programs Are Changing How You Can Protect Your MoneyOur Host, Lori La Bey will be talking with Carefull’s Family Finance Expert Cameron Huddleston who is also the author of a wonderful book called Mom and Dad, We Need to Talk: How to Have Essential Conversations With Your Parents About Their Finances. Also joining us will be Pam Krueger the founder of Wealthramp. Pam founded Wealthramp to ensure every investor can find an advisor with integrity, transparency, and a focus on each client’s best interests – not on their own.
We are live today so call in and ask your questions or make a comment at (323) 870-4602
2022-09-0658 minFriends Talk MoneyBest Advice for The Wild Housing MarketThe housing market is a perilous place right now, especially for people over 50. Prices in certain areas are out of reach for many seniors who want to relocate, yet rising mortgage rates are making it difficult for many homeowners to sell at their asking prices. In this episode, Terry, Pam and Richard weigh the pros and cons of selling or staying put, various mortgage options, moving into a retirement community, and renting.2022-08-3128 minFriends Talk MoneyThe Future of Work for People Over 50What does the employment outlook look like for older Americans who will be looking for new jobs or want to hold on to the jobs they have? Will there still be remote or hybrid opportunities for those who don’t want to be in the office full time? And when today’s hot job market begins to cool, will there be a place for older employees in corporate America? To answer these and other questions, the three friends bring in two experts to discuss the future of the workplace and what those who want to participate in it may need...2022-08-1217 minFriends Talk MoneyWhat People Want From Financial Advisors But Aren't GettingMany financial advisors are not doing much to help their clients prepare for retirement other than managing their investments. In this episode, the three friends discuss the many other ways a truly independent, fiduciary financial planner can holistically come up with a comprehensive plan to help retirees answer their many questions, from deciding when to start Social Security and choosing Medicare coverage to figuring out where and how they may want to live and determining an appropriate estate planning strategy. 2022-08-1221 minFriends Talk MoneyWhy Women are Leading Sustainable InvestingIn this episode, Pam, Terry and Richard discuss the pros and cons of socially responsible investing, whose increasing popularity is being driven mainly by women. In particular, they examine whether women sacrifice returns by investing in stocks or ESG funds that align with their personal values. The answer may surprise you. 2022-08-0119 minFriends Talk MoneyAre Bonds as Risky as Stocks?Pam, Terry and Richard puncture the myth that holding bonds in your portfolio offsets the risks of owning stocks. For example, this year, rising interest rates have driven down the prices of existing bonds. While this may not create a problem for investors who plan to hold on to their bonds until they mature, selling them could generate huge losses for those who want to buy newer bonds with better interest rates. What should bond investors do? The three friends offer guidance to help them evaluate their options. 2022-07-1127 minFriends Talk MoneyWhat’s in Your Next 401(k) Statement May Be a Wake Up CallDo you truly know how long the money you’ve saving in your 401(k) will last during your retirement? In this episode, Terry, Richard and Pam discuss the benefits and potential flaws of a new federal rule that will require retirement plans to start providing lifetime income statements that show much monthly income their account could generate if they started taking qualified withdrawals at age 67. For some, these statements will provide assurances that their nest egg will support their lifestyle during retirement. For others, they’ll will be a wake-up call that they need to get their retirement savings plan...2022-07-1120 minFriends Talk Money5 Tips for 401(k) RolloversDirectly rolling over a 401(k) plan to an IRA with a custodian like Fidelity, Schwab or Vanguard is something most people should do as soon as possible after they retire. Why? Because most 401(k) plan investment options are designed for people saving for retirement, rather than for those who need their nest egg to generate income to help pay for everyday expenses. Rollover IRAs offer access to a wider variety of investment options, many of which may have lower expenses than the funds in your 401(k) account. But since you may need money in your IRA to last 20 years...2022-06-2824 min
Bible Story Time with Mimiepisode 49: His Grace is Enough, How God Makes it Right When We’ve Got it Wrong, by Melissa KruegerWritten by Melissa Krueger and illustrated by Isobel Lundie, published by The Good Book for Children. This illustrated, rhyming book will help parents explain to children the unique and wonderful Christian message of God’s grace—that Jesus offers forgiveness and allows us to move on from our mistakes.
It can be used to share the heart of the Christian faith with children or to remind them that Jesus is the person to run to when they mess up.
Children will learn that God’s grace is enough to cleanse and change us every day, as the...2022-06-2605 minFriends Talk MoneyGray Marriage: How to Avoid Expensive MistakesSince the 1990s an increasing number of people are getting remarried at a later age. Couples who are entering second marriages at this point in life need to fully understand the financial implications. How much wealth and debt will they bring to the union? Whose home will the newlywed couple live in? How do you make compromises on everyday spending and bill payments? And what should each person do to safeguard their own financial interests and those of their own children while still being fair to their new spouse and their children? Since money-related issues are one of the c...2022-06-0926 min
The State of Sales EnablementMaximising Smartech ROI with Pam Didner | InterviewWith endless logos to choose from, sourcing SalesTech can be a challenge even for the savviest buyers. It gets even harder if you're responsible for both, Sales AND Marketing technology. Our guest in this week's episode is a marketer that has driven Sales Enablement for organisations around the globe. In our conversation, she breaks down the best practice for making purchase decisions, how sales and marketing technologies overlap, how to address sales tech needs as a marketer, and more.Please welcome best-selling author, podcaster, and our go-to expert for sales and mar...2022-06-0628 min
Everyone's Talkin' MoneyHow to Understand Your Habits, Beliefs & Emotional Relationship to Money
If you’ve been listening for a while now you know how passionate I am about helping understand that money success is not just about the how-tos. As our guest, Pam Krueger says, “money success it’s not just numbers. 99% of success is behavior and 1% is anything having to do with finance or math.” Pam is also passionate about teaching you the importance of money EQ. She’s the founder and CEO of Wealthramp, an advisor matching platform that connects consumers with vetted and qualified fee-only financial advisors. She is also the creator and co-host of the award-winning MoneyTrack investor-e...2022-05-2739 minFriends Talk MoneyGen X is Getting Ready to Retire. How’s That Going?Recent research from the Employee Benefits Research Institute reveals that those most worried about financial security during retirement are Gen-Xers between the ages of 42 and 57 years old. With the market experiencing its worst start of the year since World War II, many are wondering whether the two-decade bull market is coming to an end. Others are worried that they’ll have to work longer than they planned. Or that the Social Security fund will be bankrupt when it’s time for them to start collecting. While there are actions Gen X-ers can take now to bolster their retirement nest egg...2022-05-2626 minFriends Talk MoneyWorking in RetirementIf you want to work part-time in retirement, it's never been easier to find the kind of job you want. And it’s not just lower-paying, physically demanding jobs at retail stores and restaurants. With employers desperate to find workers, many are putting aside their biases against experienced and technically savvy older workers and allowing many to work at home or on their own schedules. And if you’re still working full-time but would like to ease your workload, your company may offer a phased retirement program that lets you gradually reduce your work hours over time while still retain...2022-05-1716 minFriends Talk MoneyShould You Put Crypto in Your Retirement Account?Ric Edelman, author of the new book “The Truth About Crypto” thinks everyone should have 1% of their investments in cryptocurrencies, including retirement investors. But the U.S. Department of Labor has concerns about allowing crypto in 401(k) retirement plans, just as Fidelity says it plans to let employers allow employees to put up to 20% of their 401(k)s in Bitcoin. The “Friends Talk Money” hosts talk to Edelman about all this and weigh in with their thoughts on putting retirement money into crypto. 2022-05-1130 minFriends Talk MoneyAppointing a Trusted ContactSecurities regulators estimate that at least 5 million elderly Americans become victims of financial fraud and other scams each year. With this kind of abuse only expected to increase, these regulators are strongly recommending that seniors formally appoint one or more children, relatives or friends as “trusted contacts” with their bank, brokerage company, financial advisor and other financial institutions. These trusted contacts can’t make transactions or even view their friends’ or parents’ accounts. They’re simply additional people the institution or advisor can reach out to if they’re unable to reach the account owners to inform them about suspicious act...2022-03-3019 minFriends Talk MoneyKeep Calm and Invest: Three Industry Experts Discuss How To Manage Market VolatilityThe S&P has been very volatile since January, after reaching many record highs over the past seven years. It’s hard for any investor not to feel overwhelmed and worried during these turbulent times. Watch nationally known financial commentators and co-hosts of the award-winning podcast Friends Talk Money, Terry Savage, Richard Eisenberg and Pam Krueger discuss how to stay focused during this market storm of inflation, the prospect for higher interest rates and global political and economic uncertainty in the aftermath of Russia’s invasion of the Ukraine.2022-03-1122 minFriends Talk Money5 Tips for a Successful UnretirementMental health studies have shown that those who do nothing after retirement increase their chances of suffering from clinical depression by 40%. That’s why many retirees are choosing to “unretire.” This doesn’t necessarily mean going back to work full-time. Instead, it’s about filling your day with activities that bring you satisfaction. But to unretire successfully, you need to plan ahead, perhaps even before you retire.2022-03-0225 minBible Story Time with Mimiepisode 44: Wherever You Go, I Want You to Know... by Melissa Krueger, read by Uncle Jacob2022-02-1504 minFriends Talk MoneyMedicare and COVID-19When it comes to COVID tests, vaccines and medical treatments, the way traditional Medicare Parts A and B pay for these expenses is not always clear cut. For example, right now Medicare only pays for four at-home COVID test kits that you order directly through covidtest.org. However, the Biden administration recently announced that in early spring Medicare will cover the costs of eight free test kits per month, the same number covered by private health insurers. Medicare covers the full costs of vaccines and boosters and the costs of having a healthcare professional administer the vaccine in your h...2022-02-0517 minFriends Talk MoneyLessons From a Wild Stock Market WeekIf you think that the stock market has been going through extreme positive and negative price swings over the past few weeks, you’re not imagining things. When volatility occurs, however, it’s important to resist the urge and flee to safety. Remember that, over the long term, stocks have delivered better long-term returns than bonds and cash. The question is: What percentage of your portfolio should be invested in stocks when you’re still saving for retirement or after you’ve retired? If you don’t feel that you have the knowledge or confidence to make these decisions on your own, c...2022-01-3026 minFriends Talk MoneyWelcome to The Super AgeFifty-four million Americans are over the age of 65. And extended life expectancies, coupled with low birth rates, are moving us toward a “super age” where more Americans will be over the age 65 than under age 18. With higher percentages of people likely to live well into their 90s, your retirement nest egg may need to last 30 years or more. Depending on how much you’ve saved and how you plan to live during retirement, you may need to make some adjustments, like leaving your full-time job at age 70 rather than 65 or working part time during retirement. In this super age, employ...2022-01-2028 minFriends Talk MoneyPreparing for 2021 Taxes2022-01-1318 minFriends Talk MoneyOur favorite money books 2022 Go to any library or your local bookstore and you’ll see shelf after shelf of books offering practical education on various financial planning and investing. Sorting through these choices can be overwhelming, so Pam, Richard and Terry are here to help by sharing recommendations for money-themed books they have learned the most from. These books will help you fortify your personal knowledge of how to save manage and invest your money. While most of these books have been published within the past few years, several are classics that have been updated over the years. 2022-01-0634 minFriends Talk MoneyCharity tips for 2021From donating appreciated stock to establishing a donor-advised fund to contributing part or all of your Required Minimum Distribution from an IRA directly to a charity, there are many ways you can support the nonprofit organizations and causes you care about while also receiving significant tax benefits. However, before you give to any charity, it’s important to conduct background research to make sure the organization is legitimate and that they’re using most of their donations to fulfill their mission. 2021-12-2922 minFriends Talk MoneyHow to invest with rising inflationWhether it’s higher prices at the gas pump or at the supermarket, we’re all feeling the impact of inflation in different ways. Most economists predict that inflation will continue into next year, which could create extreme hardships for seniors living on a fixed income or for those who have had to use more of their retirement assets than they planned for. With the high likelihood of the Fed raising interest rates next year to tamp down inflation, these actions could put a damper on the surging stock market. That’s why now may be a good time to look...2021-12-2023 min
B2B Marketing and More With Pam Didner197 – Ask the Experts: Trends to Grow Your BusinessHello from Raleigh, North Carolina. Welcome to another episode of B2B Marketing & More. It's hard to believe we're almost at the end of the year. So much has happened. I thought it would be helpful to identify some of the business growth trends and the marketing topics that stood out and will keep trending. That also allows me to revisit some of the wonderful conversations on this podcast with my guests. Felix Krueger, CEO of Krueger Marketing, Ann Handley, Chief Content Officer of Marketing Profs, Lee Odden, CEO of Top Rank Marketing...2021-12-1422 minFriends Talk MoneyHow Retirees Get TaxedWhile those approaching retirement often calculate the total income they may receive from Social Security, pensions, 401(k) plans and taxable investments, many fail to consider the impact of federal and state taxes. For example, if you and your spouse file jointly and your combined income is more than $32,000, up to 85% of your Social Security benefits could be taxable. If you have a pension, you’ll have to pay taxes when it’s paid out to you. When you start taking mandatory or elective taxable distributions from your Traditional and Rollover IRA and 401(k) accounts, it’s important to know ahead...2021-12-1322 minFriends Talk MoneyHoliday Gifts for KidsFrom specialized piggy banks for younger children to establishing custodial brokerage accounts or Minor Roth IRAs for teenagers, there are a variety of ways you can give your kids a head start on understanding the importance of saving, investing and appreciating money this holiday season. And don’t forget the most important gift of all—a college education, which you can make more affordable by establishing a 529 College Savings Plan for each child. Earnings are never taxed and can be withdrawn tax free if they’re used to pay for qualified educational expenses. Each parent can contribute up to $15,000 per ye...2021-11-3019 minFriends Talk MoneyBuy Now Pay LaterSince the start of the COVID-19 pandemic, 42% of consumers have increased the amount they owe for mortgages, student loans and car loans. The one bright spot is that the average amount of credit card debt has fallen during this time period. However, 54% of consumers with credit cards don’t pay in full each month and 18% owe more than $20,000. And the growing popularity of online “Buy Now, Pay Later" (BNPL) programs offered on many online retail websites such as Amazon and Walmart may end up increasing the mountain of debt many Americans are struggling to escape. According to research from Cred...2021-11-1118 minFriends Talk MoneyMedicare Open EnrollmentDuring the annual Medicare open enrollment period, from October 15 through December 7, you can make many changes in your Medicare coverage. But it’s important to understand the potential impact of making changes—or making no changes at all. First, if you’re in a Traditional Medicare program, you should sign up for a Medicare Part D prescription drug program within six months of enrolling in Medicare to avoid paying a late-enrollment penalty even if you’re not on any prescriptions right now. If you have Part D coverage already, it’s important to review your plan every year during this time to...2021-11-0422 minFriends Talk MoneyWhat Do The Happiest Retirees Know That We Don't?What makes people happy during retirement? Research shows that while financial security isn’t the most important thing, it’s near the top of most retirees’ lists. But it’s also important to think about what your life after full-time work will be like. Do you have social connections with whom you can share good stories and reach out to in times of need? Do you have enough outside interests, from hobbies to volunteering to keep you occupied? Do you have a plan B, such as thinking about part-time jobs that might interest you if you miss working? It’s importan...2021-10-2825 min
HerMoney with Jean ChatzkyBonus Mailbag: Financial Advisor 101We answer all your questions about how to find an advisor, minimums required to work with an advisor, how often you should meet with your advisor, how to "break up" with an advisor, and so much more. We do it all with the help of Pam Krueger, Founder and CEO of Wealthramp. If you have questions for us for an upcoming episode, write to us at mailbag@hermoney.com! Learn more about your ad choices. Visit megaphone.fm/adchoices2021-10-2527 minFriends Talk MoneyHow to Choose Where to LiveThe best time to start thinking about where you may want to live during retirement is long before you retire. While many people spend a lot of time pondering the kind of home they want to live in, they often don’t spend enough time researching the state, town or neighborhood where it may be located. But location may be the most important factor that determines how happy and healthy you’ll be in your new part-time or full-time residence. That’s why you’ll want to thoroughly research any locale you’re considering. How accessible stores and services are. The qua...2021-10-1424 minFriends Talk MoneyRoth IRAs and How They May ChangeEven though tax-deferred Traditional IRAs have been around since 1974 and tax-free Roth IRAs since 1997, you don’t hear a lot about them these days. Yet, for many people, especially those who are self-employed or don’t have retirement plans at work, IRAs still represent one of the best tax-advantaged ways to save for retirement. As long as you have earned income and your total annual income isn’t too high, you can contribute to an IRA every year. While both IRAs allow for tax-deferred growth, only the Roth IRA allows you to withdraw earnings and contributions totally tax-free at age 59½...2021-10-0723 minFriends Talk MoneyMental Health and Money HealthThere’s a common axiom that most financial decisions are based 1% on facts and 99% on emotions. Fear and stress of any kind, whether they’re job-related, pandemic-related, or financial security related, can impact our spending, saving and investment behaviors. Negative emotions lower our confidence, and the less confident we feel, the more likely we are to give into impulses, whether it’s spending more on alcohol, drugs or unhealthy food or panic-selling stocks when the market is falling. If you recognize the detrimental effects of negative emotions, you can begin to make plans to get your financial life in order...2021-10-0221 minFriends Talk MoneyHow to Avoid Getting ScammedSocial isolation, greater use of technology and the flood of stimulus checks and government aid programs during the COVID-19 pandemic have led to a dramatic increase of people victimized by cybercrime and financial fraud. Fraud reports received by the Federal Trade Commission in 2020 increased by 24% over 2019’s figures, from 1.7 million to 2.1 million. More and more Americans many of them elderly, are increasingly falling for online and phone schemes perpetrated by criminals posing as financial institutions, online retailers, government agencies and charities. These scams fool them into providing their Social Security number or other personal information or convince them to cl...2021-09-2324 minFriends Talk MoneyMind Over Money: How to Do It RightVanguard Funds’ John Bogle once said, “Investing should be boring.” During sustained market rallies, when the S&P 500 seems to hit new record highs every week, this often seems like good advice: Just set it and forget it. The problem comes when the market suddenly hits a period of turbulence. When this occurs, spooked investors often make bad mistakes—like selling stocks and stock funds at a loss. Anyone who bailed out of the stock market in spring of 2020 when the S&P 500 dropped by 30% only to see it fully recover by mid-summer learned a costly lesson about giving in to ir...2021-09-1624 minFriends Talk MoneyHow You Can Roar Into the Second Half of LifeAccording to Michael Clinton’s new book, Roar: into the second half of your life (Before it's too late), those who are approaching retirement should focus less on the idea of leaving the full-time workforce and more on what they can do to find the most fulfillment during this time. Whether it’s working part-time, starting a new business, taking up a new hobby, traveling, volunteering for causes your care about or mentoring young people, these various “layers” can shift your mindset from “retiring” to “rewiring.” And while you don’t need to be wealthy to enjoy a fulfilling life during retire...2021-09-0923 minFriends Talk MoneyHow to get the best health care for your moneyMedical care is becoming a for-profit business even among nonprofit providers. Despite huge advances in technology, care is increasing impersonal, primary care physicians are getting harder to find, and patients are constantly being hit by “surprise charges” from medical procedures that are financially devastating. Many of these charges are unexplained up front and may be incurred by physicians, residents and fellows who are not part of your network. In this environment, it’s up to you to be your medical advocate, or ask someone you trust to serve in the role of healthcare proxy to come with you to appoin...2021-08-3027 minFriends Talk MoneyMoney Tips For an Uncertain EconomySome people describe the current economy by paraphrasing Dickens: It is the best of times, and it is the worst of times.2021-08-1921 min
#MyInvestingStoryEP: 53 - #MyInvestingStory With Pam Krueger#MyInvestingStory showcases the Investing Story of Successful Long-term Investors, who are everyday people. Ann and Ionnie McNeill, are both Lifetime Members and Volunteers of BetterInvesting, a non-profit specializing in Investment Education for Individuals and Investment Clubs. Each week we interview a Special Guest, shining light on their investing story, lessons learned, words of wisdom and resources to aid you in starting your investing journey.Pam is the founder & CEO of Wealth ramp, an SEC-registered referral service that connects people with vetted fee-only financial advisors. She is also the creator and co-host of investor education television series MoneyTrack...2021-08-161h 06Friends Talk MoneySurprise! Your home may be costing more than you think.It’s a common belief that owning a home is an investment, but the reality is otherwise. While the national year-over-year appreciation rate of 14.5% (as of April 2021) may seem high, this figure includes both areas where housing prices are skyrocketing as well as regions where appreciation is relatively low. Once you add the costs of owning a home—mortgages, taxes and home repairs—into the equation, the actual appreciation rate of the average home barely matches the inflation rate. So, for many people, their home not only isn’t an investment, but, depending on the never-sending cycle of home maintenanc...2021-08-1224 min
Think and Grow Rich MasterMindLearn How and Why to Invest with Pam Krueger #MyInvestingStory#MyInvestingStory is created to share the stories of investors.Ionnie McNeill and Ann McNeill, BetterInvesting Volunteers, talk with Pam Krueger about her investing story.To join the conversation:Register for the webinar: https://bit.ly/MyInvestingStoryListen to the podcast: http://tobtr.com/11983187Or call in: 661-554-9219Pam is the founder & CEO of Wealthramp, an SEC-registered referral service that connects people with vetted fee-only financial advisors. She is also the creator and co-host of investor education television series MoneyTrack on PBS and Friends Talk Money podcast on PBS Next Avenue. With over 25 years in the investment industry, Pam is a...2021-08-121h 07Friends Talk MoneyWhy You May Want to Start, or Join, an Investment ClubInvestment clubs are a great way for people to sound out investment ideas, ask questions, and increase their knowledge of the stock market with the help of friends and family members. The popularity of investment clubs, which started in the 1950s, has waxed and waned over the decades, but during the pandemic there has been a resurgence of interest. Social media and virtual collaboration tools make it easier for people to organize and participate in clubs. A new generation of no-fee trading apps enables people to buy fractional shares of expensive stocks with no account minimums. There are even...2021-08-0520 minFriends Talk MoneyGetting the most out from Social Security post pandemicThirty nine percent of those recently surveyed by Nationwide Insurance don’t know at what age they’re eligible to receive full Social Security benefits, and 70% said they wish they knew more about this complex topic. In general, if you don’t need Social Security income to make ends meet, there are huge advantages for delaying your benefits as long as possible. For every year past the minimum retirement age of 62 you wait, up to age 70, you’ll receive an 8% increase in payments. And if you wait until your full retirement age (65-67 depending on the year you were born) yo...2021-07-0827 minFriends Talk MoneyInflation: Are these higher prices here to stay? Or is this a temporary post-pandemic trend?The easing of the COVD-19 pandemic, increased consumer spending, supply shortages and continued government stimulus have resulted in the highest inflation rate since 1992. People are feeling its effects at the gas pump, at the supermarket, at car dealerships, at building supply companies and when they make hotel and airline reservations. But will inflation continue indefinitely, or even rise to the record levels of the early 1980s? Most economics believe it won’t. They predict that inflation will level off after consumers get their pent-up spending out of their systems, supply chain issues are resolved and pandemic-related stimulus spending eases. Th...2021-06-2429 minFriends Talk MoneyCryptocurrency 101: All You Really Need to KnowAccording to a new investor study from Ascent, 50 million Americans are likely to make their first investments in cryptocurrencies in the next year. The skyrocketing popularity of Bitcoin and other cryptocurrencies has convinced even former skeptics such as Warren Buffett that these digital currencies should be taken seriously. One reason why many doubters are becoming believers is because of the transformative blockchain technology that underlies cryptocurrency transactions. Blockchains are databases that record all transactions in a way that anyone can see and no one can delete or change, bypassing the need for banks, brokerage companies, or even advisors to...2021-06-1727 min
The State of Sales EnablementHow Effective Marketing Can Enable Sales With Pam Didner | InterviewJoin us in the Krueger Marketing podcast studio this week for another episode of The State of Sales Enablement.We catch up with Pam Didner who is a B2B marketing consultant, podcaster, keynote speaker and author of 3 best-selling books. Some of the questions we discuss include: What are the key areas marketers should consider when introducing sales enablement in their organisation to make it a success?What are the most common pitfalls when sales and marketing are attempting to collaborate? How do you best tackle them? How can sales benefit from existing content...2021-06-1636 min
Wharton Business Radio Guest AudioPam Krueger on Your MoneyWealthramp CEO Pam Krueger talks to Your Money host Kent Smetters about the cryptocurrency craze on Business Radio, SiriusXM 132. See acast.com/privacy for privacy and opt-out information.2021-06-0315 min
B2B Marketing and More With Pam Didner172 - ft. Felix Krueger: How to Make Sales Content a Competitive AdvantageWelcome to another episode of B2B Marketing & More! My special guest today is Felix Krueger. Felix is the CEO of Krueger Marketing. His company specializes in sales enablement, Account-Based Marketing for B2B enterprises, and he recently launched his podcast, The State of Sales Enablement. Today we talk about how to make sales content a competitive advantage. ————— If you want to chat, reach out on any social media channels or email me at hello@pamdidner.com. You can also join my Facebook community: Build Your Marketing Skills to Get Ahead. 2021-06-0124 minFriends Talk MoneyBeverley Schottenstein tells her story. Part 293-year old Beverley Schottenstein trusted her grandsons to handle her $80 million investment account at JP Morgan but learned later, both the brokerage and her grandsons had made millions cheating her. Find out how in Part 2.2021-05-2722 minFriends Talk MoneyBeverley Schottenstein tells her story. Part 1Beverley Schottenstein is the matriarch of a billion dollar family empire. At age 93, she went into battle against one of the biggest banks in the world... and her own grandsons to teach them the lesson of their lives about much more than money.2021-05-2121 minFriends Talk MoneyThe Need for Financial Advisor Apps for Older AdultsOnly 17% of low and moderate-income adults aged 50 or older believe they are in good financial health, according to research from the Financial Health Network. Many of these people don’t have enough income or assets to work with a financial planner. This leaves them with many unanswered questions about how to manage their income and reduce their debts during retirement, how to choose Medicare coverage, and when they should start taking Social Security benefits. While robo-advisors can help people make smarter decisions about investing, these apps don’t address personalized financial planning advice. And while there still isn’t a sing...2021-05-1323 minFriends Talk MoneyIs your credit score helping or hurting you?According to the Employee Benefit Research Institute 2021 Retirement Confidence Survey, more than half of workers and a third of retirees said that debt was a major problem in their household. Too much debt can negatively impact your credit score, which banks and other lenders use to determine whether to approve your credit card or loan request and how much interest you’ll pay. That’s why it’s important to check on your creditworthiness on a regular basis. You’re entitled to receive one free credit report per year from each of the three main credit reporting agencies—Equifax, Experian an...2021-05-0621 minFriends Talk MoneyGrowing older: staying independent with the right supportMost retirees want to live independently as long as possible. But it’s important to have realistic expectations of what you’ll be able to do on your own as you grow older. According to a University of Michigan survey of 8,000 seniors, 31% of respondents between the ages of 80-89 said they could live independently. That number dropped to just 4% for those over 90. If you’re hoping to live independently by staying in your home—or moving to a condo or townhouse in a retirement community—you’ll need to think about how you may eventually need to adapt your dwelling to...2021-04-2822 minFriends Talk MoneyWhen to RetireAccording to a recent MetLife survey, 19% of full-time Baby Boomers said they would need to delay retiring because of COVID-19-related financial challenges. However, in the same survey, 12% said that the pandemic had convinced them to retire earlier, citing reasons such as dissatisfaction with their job or “life is too short.” There’s also a growing movement known as Financial Independence, Retire Early (FIRE). These workers, mostly highly paid Millennials and Generation Zers, are committed to saving and investing as much as possible and paring non-essential spending to the bone so they can retire in their mid-50s or ea...2021-04-1524 minFriends Talk MoneyThe hidden Risk of Rising Interest RatesMany retirees allocate 60% or more of their portfolios to bonds, having followed the traditional mantra that fixed income securities are less risky investments than stocks. But what many are finding out is that with interest rates at historically low levels, the bonds they own may not be generating significant income and, in fact, may be hindering, rather than boosting, their portfolio’s total returns. With money market instruments earning less than 0.5% and most long-term CDs earning less than 2%, the reputation of fixed-income investments as safe and reliable income generators has taken a beating in recent years. Inv...2021-04-0923 minFriends Talk MoneyFamily Caregivers and MoneyNew research from EMD Serono’s Embracing Carers initiative found that 54% of family caregivers said that the COVID-19 pandemic has worsened their financial health. To help pay for their parent’s medical and living costs, children may have to use money they were saving for retirement or their own children’s higher education. If a caregiver has to quit a full-time job, this may reduce their future Social Security benefits and keep them from saving for their own retirement at work. There are a number of ways parents and children can work together to ease this financial burden fo...2021-04-0122 minFriends Talk MoneyCouples Talk MoneyAccording to a recent UBS poll, 60% of women surveyed let their spouses and partners handle their finances. This is not uncommon, even among wealthy couples. The gradual shifting of financial responsibility and knowledge to one person often begins early in the relationship. But if the couple goes through divorce or the family financial manager dies or becomes physically or mentally incapacitated, their spouse or partner will have to scramble to figure out where their money is, how it’s being invested, and how debts are being paid while they’re also dealing with a legal or healthcare crisis. That’s why...2021-03-1119 min
In the Suite38. Taking Bold Leaps of Faith to Follow Your Heart and Give Globally with Devika Kamboh CFP® CLTC MBA, Founder & President at Sohum Global FoundationSend us a textIt’s a joy to welcome our guest Devika Kamboh, CFP®, CLTC, MBA to In The Suite. Devika is the Founder and President at Sohum Global Foundation and Founder and Managing Partner of Sohum Financial Planning. She’s a Certified Financial Planner who empowers her clients to create a road map to guide themselves to financial independence and their real life goals. She’s a risk-taker, always open to the next chapter of life. Devika packed her bags and moved from NYC to a ranch in Colorado.“I realized that I nee...2021-03-041h 21