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Tim Stearns

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Protect & GrowProtect & GrowRetirement Income PlanningRetirement income planning is about more than just saving—it's about understanding how to manage and structure your financial resources to support your lifestyle once you step away from full-time work. In this video, we take a broad look at how people approach planning for income in retirement. From identifying expenses and setting goals to exploring different strategies for generating consistent income, we highlight the key elements that go into thoughtful preparation. This overview is designed to help viewers think critically about the long-term decisions that affect financial stability and flexibility in retirement. For more information contact Tim Stearns, CF...2025-06-0727 minProtect & GrowProtect & GrowCoordinating Tax PlanningCoordinating tax planning is a critical part of preparing for a secure and sustainable retirement. In this video, we explore how various aspects of tax strategy—such as managing income sources, understanding tax-deferred vs. taxable accounts, and timing withdrawals—can work together to support your long-term retirement goals. We also look at how coordinating these strategies with Social Security, pensions, and investment planning can help reduce tax liabilities and preserve more of your retirement income. Ideal for those approaching retirement or refining their financial plan, this video offers a clear look at the role of tax planning in the bigg...2025-05-3127 minProtect & GrowProtect & GrowThe Value of an AdvisorIn this episode, we explore the role of a financial advisor and how their guidance can help clarify complex money matters. From budgeting and investing to planning for long-term goals, we discuss the ways an advisor can offer perspective, strategy, and support tailored to individual needs. Whether you're navigating major life transitions or simply looking to make more informed decisions, this conversation sheds light on the practical and emotional value of having a trusted financial partner. For more information contact Tim Stearns, CFP® and his team at TjStearns at (800) 640-22562025-05-2427 minProtect & GrowProtect & GrowThe Forecast Your RetirementIn this video, Tim Stearns takes a look at the factors shaping the future of retirement, including economic trends, market conditions, and tax changes. Understanding these shifts can help you stay informed and make better decisions about your retirement planning. Whether you're nearing retirement or just starting to think ahead, this overview offers valuable insights into what may lie ahead. For more information contact Tim Stearns, CFP® and his team at TjStearns at (800) 640-2256 and visit the website at www.tjstearns.com/.2025-05-1727 minProtect & GrowProtect & GrowNow Is The Time For PlanningPlanning for retirement is a step that can impact your financial security. The earlier you start, the more time you have to grow your savings, adjust your strategy, and explore financial tools that can support your retirement goals. Whether you’re just beginning to save or reassessing your long-term financial outlook, taking action sooner rather than later can help set a solid foundation for the future. In this video, we’ll discuss the importance of early retirement planning, how to develop a practical strategy, and key factors to consider along the way. From understanding investment options to managing risk, we’l...2025-05-1027 minProtect & GrowProtect & GrowLuck VS PlanningMany people believe luck plays a big role in retirement—hitting the jackpot with investments, getting an unexpected inheritance, or simply avoiding financial setbacks. But is luck really a strategy? In this video, we break down the key differences between relying on chance and building a solid retirement plan. From smart investing and tax strategies to long-term financial habits, we’ll show you how to take control of your future instead of leaving it up to luck. Watch now to learn why a well-structured plan beats wishful thinking every time! For more information contact Tim Stearns, CFP® at (800) 640-2256 and v...2025-05-0327 minProtect & GrowProtect & GrowPlanning In Market VolatilityWhen markets are unpredictable and headlines are filled with uncertainty, it can be hard to know how to move forward with your financial goals. This video explores how to plan confidently during times of market volatility—what to do, what to avoid, and how to keep your long-term strategy intact. It breaks down why volatility happens, how to stay level-headed when emotions run high, and ways to make decisions based on facts instead of fear. Whether you're investing for retirement, saving for the future, or just trying to make sense of the current market, this video provides clarity, perspective, an...2025-04-2627 minProtect & GrowProtect & GrowDefensive StrategiesThis episode dives into defensive financial strategies—practical ways to protect your money and stay financially stable during times of uncertainty. Instead of focusing on high-risk, high-reward tactics, defensive strategies emphasize minimizing losses, managing risk, and creating a strong foundation for long-term security. Topics covered include building emergency savings, choosing more conservative investments, maintaining proper insurance coverage, and making decisions that align with your personal goals and risk tolerance. These strategies are especially relevant in volatile markets or as you approach major life transitions like retirement. The goal isn’t to predict the future, but to be prepared for it...2025-04-1927 minProtect & GrowProtect & GrowMarket VolatilityMarket volatility refers to the frequent and sometimes unpredictable changes in asset prices, often driven by economic data, interest rate shifts, political events, corporate earnings, or broader global uncertainty. In this video, we take a closer look at how volatility shows up in the markets, what it can signal about investor sentiment, and how it affects both short-term fluctuations and long-term investment strategies. While volatility can feel unsettling, it's a natural part of how markets function. Instead of offering blanket advice, this discussion is meant to help viewers better understand the forces at play during volatile periods and consider...2025-04-1227 minProtect & GrowProtect & GrowNavigating Risk & VolatilityMarket ups and downs are part of investing, but they can feel especially uncertain in retirement when you're relying on your savings. This video explores how to think about risk and volatility once you've stopped working, including how to balance growth with protection, why sequence of returns matters, and what strategies might help you stay on track through market swings. It’s not about predicting the future—it’s about preparing for it with a plan that fits your goals and comfort level. If you're in or approaching retirement, this conversation offers a practical look at managing uncertainty without losing...2025-04-0527 minProtect & GrowProtect & GrowLuck VS PlanningMany people believe luck plays a big role in retirement—hitting the jackpot with investments, getting an unexpected inheritance, or simply avoiding financial setbacks. But is luck really a strategy? In this video, we break down the key differences between relying on chance and building a solid retirement plan. From smart investing and tax strategies to long-term financial habits, we’ll show you how to take control of your future instead of leaving it up to luck. Watch now to learn why a well-structured plan beats wishful thinking every time! For more information contact Tim Stearns, CFP® at (800) 640-2256 and v...2025-03-2927 minProtect & GrowProtect & GrowRetire ReadyPreparing for retirement is one of the most important financial steps you'll take in life. In this video, we’ll break down key strategies to help you build a solid retirement plan, from maximizing your savings and investments to understanding Social Security and managing expenses. Whether you're just starting or getting close to retirement, we’ll cover practical tips to ensure you have the financial security and peace of mind to enjoy your golden years. Don't wait—start planning today for the retirement you deserve! For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStear...2025-03-1527 minProtect & GrowProtect & GrowRetire ReadyRoth accounts can be a valuable part of your retirement plan, but understanding how they work is key. This video answers common questions about Roth IRAs and Roth 401(k)s, including how they differ, their tax advantages, and contribution limits. We'll also discuss who can contribute, when withdrawals are tax-free, and factors to consider when deciding if a Roth account fits your retirement strategy. Whether you're starting your retirement savings or rethinking your current plan, this guide will help you make informed decisions about your financial future. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the w...2025-03-0827 minProtect & GrowProtect & GrowTax OpportunitiesRetirement brings a new phase of financial planning, and taxes remain an important part of the equation. Understanding tax opportunities can help retirees make the most of their income. This video breaks down strategies like Roth conversions, managing required minimum distributions (RMDs), and making tax-efficient withdrawals from different accounts. We'll also cover how charitable giving and timing your income can impact your tax bill. Whether you're already retired or planning ahead, these insights can help you navigate taxes with more confidence and keep more of what you've saved. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit t...2025-03-0127 minProtect & GrowProtect & GrowNow is the Time for PlanningPlanning for retirement is a step that can impact your financial security. The earlier you start, the more time you have to grow your savings, adjust your strategy, and explore financial tools that can support your retirement goals. Whether you’re just beginning to save or reassessing your long-term financial outlook, taking action sooner rather than later can help set a solid foundation for the future. In this video, we’ll discuss the importance of early retirement planning, how to develop a practical strategy, and key factors to consider along the way. From understanding investment options to managing risk, we’l...2025-02-2227 minProtect & GrowProtect & GrowNavigating Tax SeasonTax season can be complicated, with changing laws, deductions, and filing deadlines to keep track of. This video covers important factors to consider when preparing your taxes, from common mistakes to potential ways to optimize your return. Whether you're filing on your own or working with a professional, understanding these key points can help make the process smoother. For more information, contact Tim Stearns, CFP® and his team at TjStearns at (800) 640-2256 and visit the website at www.tjstearns.com/.2025-02-1527 minProtect & GrowProtect & GrowThe Retirement Forecast Part 2In Part 2, Tim Stearns continues exploring the key factors shaping the future of retirement. This time, he dives deeper into how evolving market conditions, legislative changes, and long-term economic trends could impact your financial security. Staying ahead of these developments is crucial for making informed retirement decisions. Whether you're fine-tuning your plan or just beginning to prepare, this discussion provides valuable insights to help you navigate the road ahead. For more information, contact Tim Stearns, CFP® and his team at TjStearns at (800) 640-2256 and visit the website at www.tjstearns.com/.2025-02-0827 minProtect & GrowProtect & GrowThe Forecast For RetirementIn this video, Tim Stearns takes a look at the factors shaping the future of retirement, including economic trends, market conditions, and tax changes. Understanding these shifts can help you stay informed and make better decisions about your retirement planning. Whether you're nearing retirement or just starting to think ahead, this overview offers valuable insights into what may lie ahead. For more information contact Tim Stearns, CFP® and his team at TjStearns at (800) 640-2256 and visit the website at www.tjstearns.com/.2025-02-0127 minProtect & GrowProtect & GrowPlanning for Long Term CareLong-term care is an important topic that often gets overlooked until it’s needed. In this episode, we’ll discuss what long-term care involves, why it’s something to consider, and the steps you can take to prepare. Whether it’s for yourself or a loved one, understanding your options can help you make informed decisions and avoid unnecessary stress in the future. or more information contact Tim Stearns, CFP® and his team at TjStearns at (800) 640-2256 and visit the website at www.tjstearns.com/.2025-01-2527 minProtect & GrowProtect & Grow10 Things For A Successful RetirementIn this episode, we're focusing on essential tips for those nearing retirement. 🏝️ We'll discuss refining your goals, optimizing savings, making smart investments, and managing retirement accounts. Subscribe and ring the bell for more insights on a comfortable retirement. 🔔💡For more information contact Tim Stearns, CFP® and his team at TjStearns at (800) 640-2256 and visit the website at www.tjstearns.com/.2025-01-1827 minProtect & GrowProtect & GrowTax PlanningTax planning is a crucial part of managing your finances effectively and ensuring you’re prepared for the future. In this video, I’ll walk you through key strategies for reducing your tax liability, planning for changes in your income, and avoiding common mistakes. Whether you’re navigating retirement, managing investments, or running a business, understanding how taxes impact your financial goals can make a big difference. Tune in and enjoy another insightful episode of 'Protect and Grow' with Tim Stearns, CFP®, owner of TjStearns, INC. For more information, contact Tim Stearns, CFP®, at (800) 868-1194 or visit our website at https...2025-01-1127 minProtect & GrowProtect & GrowThe Difference in Income & SpendingJoin Tim Stearns, CFP®, as he discusses the two keywords that define finance: spending and income. Tim defines how income can sustain you before retirement, is your biggest wealth-building tool, and is essential to plan out once in retirement. He also discusses the importance of managing spending, whether during retirement or before, emphasizing the difference between living within your means and overspending. Tune in and enjoy another insightful episode of 'Protect and Grow' with Tim Stearns, CFP®, owner of TjStearns, INC. For more information, contact Tim Stearns, CFP®, at (800) 868-1194 or visit our website at https://www.tjstearns.com/.2025-01-0427 minProtect & GrowProtect & Grow5 Factors to Retire in 2025Retiring in 2025 comes with unique challenges and opportunities. In this video, we explore five important factors to keep in mind as you prepare for this milestone. From navigating market conditions to managing Social Security and retirement accounts, we’ll provide insights to help you make well-informed choices. Whether you’re finalizing your plans or just getting started, understanding these key points can make a difference in your retirement journey. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStearns.com2024-12-2827 minProtect & GrowProtect & Grow2 Must Answer Questions To RetireRetirement planning involves more than just numbers. In this video, we discuss two key questions that can help you evaluate your readiness for retirement. These questions focus on understanding your goals and priorities to ensure you’re making informed decisions about this major life transition. Whether retirement is on the horizon or further down the road, these insights can provide clarity as you plan your next steps. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStearns.com2024-12-2127 minProtect & GrowProtect & GrowRetirement's Biggest ExpensesRetirement comes with its own set of significant expenses that can impact your savings. This episode takes a closer look at the biggest costs retirees typically face, including healthcare, housing, and taxes. By understanding where your money might go, you can make more informed decisions and better manage your finances during this stage of life. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStearns.com.2024-12-1427 minProtect & GrowProtect & GrowThe Retirement Spending PlanUnderstanding how to manage your finances in retirement is crucial. In this video, we explore the basics of building a retirement spending plan, covering key considerations like essential expenses, unexpected costs, and maintaining your desired lifestyle. Whether you’re just starting to think about retirement or are already there, this guide offers insights to help you navigate your financial future. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStearns.com.2024-12-0727 minProtect & GrowProtect & GrowLast Minute PlanningAs the year wraps up, it's time to take a closer look at your retirement plan and consider adjustments that could impact your financial future. In this episode, we’ll explore essential steps for end-of-year retirement prep, including tax implications, investment rebalancing, and contribution strategies. We’ll also touch on how current market trends and inflation might influence your retirement savings. This guide is here to help you navigate year-end planning with a clearer perspective, whether you're approaching retirement or still building your nest egg. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjSte...2024-11-3027 minProtect & GrowProtect & GrowMaking The Most Of Your 401KUnlock the secrets to maximizing your retirement savings with our comprehensive guide to your 401(k)! Discover why employer-sponsored plans like the 401(k) are vital tools for securing your financial future. From the convenience of automatic contributions to the allure of employer matches, we explore every aspect of your retirement plan. Learn how to navigate tax-deferral options, seize control of your investments with in-service distributions, and avoid common pitfalls like leaving old 401(k)s behind. Plus, get expert insights on target date funds, managing risk, and understanding contribution limits and fees. Don't miss out on this opportunity to optimize your...2024-11-2327 minProtect & GrowProtect & Grow3 Biggest Expenses In RetirementCurious about the biggest costs that retirees face? In this video, we break down three major expenses that often catch people off guard in retirement. From healthcare to housing, learn how these factors can affect your budget and what to keep in mind as you plan for the years ahead. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStearns.com.2024-11-1627 minProtect & GrowProtect & Grow10 Ways To Maximize Social SecurityIn this episode, we dive into 10 essential strategies for maximizing your Social Security benefits. Whether you're approaching retirement or already there, understanding the best timing for your claim, managing tax implications, and knowing how to coordinate with other income sources can make a big difference. We'll discuss when to claim, tips for increasing your monthly benefit, and ways to minimize taxes on Social Security income. Tune in for a comprehensive guide that can help you get the most out of the benefits you’ve earned over a lifetime of work! For more information contact Tim Stearns, CFP® at (800) 640-2256 and...2024-11-0927 minProtect & GrowProtect & Grow5 MISTAKES TO AVOIDThis episode covers five common mistakes people make in retirement planning, from budgeting issues to tax missteps. Understanding these can help bring clarity to the retirement planning process. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStearns.com.2024-11-0227 minProtect & GrowProtect & GrowRetirement ReadyAre you #readytoretire? Like, really ready? Not just tired of work and wishing to quit, but financially prepared for 20 to 30 years or more of unemployment? If you're retirement-minded and aiming for confidence when that day comes, tune in to this week's Protect and Grow as TimStearns, CFP® reviews the essential questions to answer to gauge your retirement readiness. For more information contact Tim Stearns, CFP® from TjStearns at (800) 640-2256 and visit the website https://www.tjstearns.com/.2024-10-2627 minProtect & GrowProtect & GrowRetirement Income PlanningPlanning for income in your retirement is essential for financial security. In this episode, we'll discuss practical strategies for maintaining a steady income during your retirement years. Learn about budgeting, investment options, social security benefits, and ways to optimize your savings. Start planning now for a comfortable and stable retirement. Don't forget to like, share, and subscribe for more tips! For more information contact Tim Stearns, CFP® and his team at TjStearns at (800) 640-2256 and visit the website at www.tjstearns.com/.2024-10-1927 minProtect & GrowProtect & Grow8 Moments To Move Your MoneyKnowing when to move your money can be crucial for maximizing your financial potential. In this episode, we explore 8 key moments where adjusting your investments or savings strategy might be the smartest move. From major life changes to market shifts, these are the times when moving your money can make a big impact. For more information contact Tim Stearns, CFP® and his team at TjStearns at (800) 640-2256 and visit the website at www.tjstearns.com/.2024-10-1227 minProtect & GrowProtect & GrowBrokers VS AdvisorsIn this episode, we explore the differences between brokers and advisors, offering a general overview of how each operates within the financial world. We'll touch on the distinctions in their responsibilities, how they earn money, and the services they provide. If you're curious about the roles brokers and advisors play in managing investments or helping with financial decisions, this episode offers a basic breakdown to help you understand their approaches. Don't forget to like, share, and subscribe for more tips! For more information contact Tim Stearns, CFP® and his team at TjStearns at (800) 640-2256 and visit the website at w...2024-10-0520 minProtect & GrowProtect & GrowThe Holy Grail Of Investing Part 4Tim Stearns breaks down key insights from Tony Robbins’ The Holy Grail Of Investing" and strategies for long-term investing. In the fourth and final part of this series learn how top investors approach financial planning. For more information contact Tim Stearns, CFP® and his team at TjStearns at (800) 640-2256 and visit the website at www.tjstearns.com/.2024-09-2811 minProtect & GrowProtect & GrowThe Holy Grail of Investing Part 3Tim Stearns breaks down key insights from Tony Robbins’ The Holy Grail Of Investing" and strategies for long-term investing. In the third part of this series learn how top investors approach financial planning. For more information contact Tim Stearns, CFP® and his team at TjStearns at (800) 640-2256 and visit the website at www.tjstearns.com/.2024-09-2119 minProtect & GrowProtect & GrowThe Holy Grail Of Investing Part 2Tim Stearns breaks down key insights from Tony Robbins’ The Holy Grail Of Investing" and strategies for long-term investing. Learn how top investors approach financial planning. For more information contact Tim Stearns, CFP® and his team at TjStearns at (800) 640-2256 and visit the website at www.tjstearns.com/.2024-09-1425 minProtect & GrowProtect & GrowThe Holy Grail Of InvestingExplore key investment strategies inspired by Tony Robbins' book in this webinar. We discuss concepts that could reshape your approach to investing, offering insights for both beginners and seasoned investors. For more information contact Tim Stearns, CFP® and his team at TjStearns at (800) 640-2256 and visit the website at www.tjstearns.com/.2024-09-0726 minProtect & GrowProtect & Grow7 Financial MythsRetirement planning can be confusing, and there's a lot of information out there. In this episode, we break down seven common myths that could be holding you back from a secure future. What do you need to know? Watch now to find out. For more information contact Tim Stearns, CFP® and his team at TjStearns at (800) 640-2256 and visit the website at www.tjstearns.com/.2024-08-3127 minProtect & GrowProtect & GrowAre You Ready?Wondering if you're truly prepared for the next stage of your life? In this episode, we explore key considerations that every individual should think about as they approach retirement. It's not just about the numbers—it's about your future. Are you ready? For more information contact Tim Stearns, CFP® and his team at TjStearns at (800) 640-2256 and visit the website at www.tjstearns.com/.2024-08-2427 minProtect & GrowProtect & GrowLegal Planning With Don CosleyWelcome to our latest episode where we sit down with esteemed attorney Don Cosley to delve into the intricacies of legal financial planning. From estate planning to understanding your rights in financial matters, Don offers invaluable insights and practical advice to help you navigate the complex legal landscape. For more information contact Tim Stearns, CFP® and his team at TjStearns at (800) 640-2256 and visit the website at www.tjstearns.com/.2024-08-1727 minProtect & GrowProtect & GrowThe Income GapIn this Episode, we explore the concept of the income gap, its causes, and its impact on society. Gain insight into the factors contributing to income disparities and their broader implications. For more information contact Tim Stearns, CFP® and his team at TjStearns at (800) 640-2256 and visit the website at www.tjstearns.com/.2024-08-1027 minProtect & GrowProtect & GrowThe Questions On Minds Of InvestorsCurious about the thoughts and considerations that occupy financial advisors? In this video, we explore the various factors and ideas that influence their work. Get a sense of the broader landscape of financial advisory and what might be shaping their perspectives. Tune in to get an insight into this intriguing field. For more information contact Tim Stearns, CFP® and his team at TjStearns at (800) 640-2256 and visit the website at www.tjstearns.com/.2024-08-0327 minProtect & GrowProtect & GrowAnnuities, Life Insurance, & LTCIn this video, we explore the basics of annuities, life insurance, and long-term care (LTC). Discover the different types, benefits, and considerations for each. For more information contact Tim Stearns, CFP® and his team at TjStearns at (800) 640-2256 and visit the website at www.tjstearns.com/.2024-07-2727 minProtect & GrowProtect & GrowRETIREMENT ROADBLOCKSAre retirement worries keeping you up at night? In this episode, we tackle the most common roadblocks that can derail your retirement plans. From insufficient savings to rising healthcare costs, we provide practical strategies to overcome these challenges. For more information contact Tim Stearns, CFP® and his team at TjStearns at (800) 640-2256 and visit the website at www.tjstearns.com/.2024-07-2027 minProtect & GrowProtect & GrowHot Financial TopicsIn this episode, We tackle the current financial topics that are popular today including Memestocks, The Election, and Roth's. For more information contact Tim Stearns, CFP® and his team at TjStearns at (800) 640-2256 and visit the website at www.tjstearns.com/.2024-07-1327 minProtect & GrowProtect & GrowRetirement RoadblocksAre retirement worries keeping you up at night? In this episode, we tackle the most common roadblocks that can derail your retirement plans. From insufficient savings to rising healthcare costs, we provide practical strategies to overcome these challenges. For more information contact Tim Stearns, CFP® and his team at TjStearns at (800) 640-2256 and visit the website at www.tjstearns.com/.2024-07-0627 minProtect & GrowProtect & GrowFinancial IndependenceWelcome to our guide on Financial Independence! 🌟 In this video, we explore the essentials of achieving financial freedom, including what financial independence means and steps you can take to reach it. Discover strategies for saving and investing, building passive income streams, and adopting the right mindset for success. Whether you're aiming for early retirement or just looking to improve your financial health, this video offers valuable insights to help you on your journey. For more information contact Tim Stearns, CFP® and his team at TjStearns at (800) 640-2256 and visit the website at www.tjstearns.com/.2024-06-2927 minProtect & GrowProtect & GrowWashingtons Impact On RetirementExplore how upcoming elections could reshape your retirement plans. From Social Security to Medicare, learn how policy changes might affect your financial future. Stay informed, stay prepared! Don't forget to like, share, and subscribe for more tips! For more information contact Tim Stearns, CFP® and his team at TjStearns at (800) 640-2256 and visit the website at www.tjstearns.com/.2024-06-2227 minProtect & GrowProtect & Grow10 Things For A Successful RetirementIn this episode, we're focusing on essential tips for those nearing retirement. 🏝️ We'll discuss refining your goals, optimizing savings, making smart investments, and managing retirement accounts. Subscribe and ring the bell for more insights on a comfortable retirement. 🔔💡For more information contact Tim Stearns, CFP® and his team at TjStearns at (800) 640-2256 and visit the website at www.tjstearns.com/.2024-06-1527 minProtect & GrowProtect & GrowPlanning For Your Retirement IncomePlanning for income in your retirement is essential for financial security. In this episode, we'll discuss practical strategies for maintaining a steady income during your retirement years. Learn about budgeting, investment options, social security benefits, and ways to optimize your savings. Start planning now for a comfortable and stable retirement. Don't forget to like, share, and subscribe for more tips! For more information contact Tim Stearns, CFP® and his team at TjStearns at (800) 640-2256 and visit the website at www.tjstearns.com/.2024-06-0827 minProtect & GrowProtect & GrowThe Difference In Income Retirement PlanningPlanning your retirement income? Tim Stearns, CFP®, offers expert advice on how to make the most of your savings and create a sustainable income stream. Learn essential strategies for a secure and comfortable future. Don't miss these valuable tips to ensure your financial peace of mind in retirement. Tune in and start planning today! For more information contact Tim Stearns, CFP® and his team at TjStearns at (800) 640-2256 and visit the website at www.tjstearns.com/.2024-06-0127 minProtect & GrowProtect & Grow7 Financial MythsIn this edition of "Protect & Grow" Tim Stearns, CFP® discusses "7 Financial Myths" that your retirement future may depend on. How reliable these assumptions are may determine the reliability of your retirement confidence and quality of life. "The Market Always Goes Up", "Taxes Will Go Down", "The Market Generates A Consistent Rate of Return": Is your financial future based on these widely held assumptions? How reliable are these beliefs? Are you betting your retirement on misconceptions or myths? Tim Stearns, CFP® examines and explains in this edition of Protect & Grow. We hope you enjoy. Contact Tim Stearns, CFP® at (800) 640-2256 and...2024-05-2527 minProtect & GrowProtect & Grow9 Critical Risks to Watch Out for in Retirement!Planning for retirement involves more than just saving money; it means understanding potential challenges like outliving your savings, inflation, healthcare costs, and market fluctuations. In this video, we discuss these crucial retirement risks to help you make more informed decisions for a secure and fulfilling retirement. Call now to get your personalized plan and take charge of your financial future in 2024 and beyond! For more information contact Tim Stearns, CFP® and his team at TjStearns at (800) 640-2256 and visit the website at www.tjstearns.com/.2024-05-1827 minProtect & GrowProtect & GrowHow to Secure Your Financial Future and Protect Your Loved OnesAre you ready to secure your financial future and protect your loved ones? Join Tim Stearns, Chicagoland’s Certified Financial Planning professional, as he provides essential insights on navigating the complexities of retirement and financial planning. This video is your gateway to understanding how proactive planning can enhance your financial stability and ensure your family's well-being. In this enlightening discussion, Tim dives into the unique challenges faced by the 'sandwich generation'—those caring for both children and aging parents. He emphasizes the importance of having a robust financial plan to prevent undue stress on your personal finances. How...2024-05-1127 minProtect & GrowProtect & GrowMaking The Most Of Your 401KUnlock the secrets to maximizing your retirement savings with our comprehensive guide to your 401(k)! Discover why employer-sponsored plans like the 401(k) are vital tools for securing your financial future. From the convenience of automatic contributions to the allure of employer matches, we explore every aspect of your retirement plan. Learn how to navigate tax-deferral options, seize control of your investments with in-service distributions, and avoid common pitfalls like leaving old 401(k)s behind. Plus, get expert insights on target date funds, managing risk, and understanding contribution limits and fees. Don't miss out on this opportunity to optimize your...2024-05-0427 minProtect & GrowProtect & GrowMaximize Retirement Income📊 Join Tim Stearns, CFP® from TjStearns for insightful discussions on optimizing income during retirement. From investment insights to budgeting basics, we're here to guide you. Subscribe now for valuable strategies to secure your financial future. 💼 For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit our website at www.tjstearns.com/.#retirementplanning #financialstability2024-04-2727 minProtect & GrowProtect & GrowFinancial Spring CleaningReady to give your finances a fresh start this spring? ☀️💰 Join Tim Stearns, CFP® as he shares quick and practical tips to declutter your budget, cut unnecessary expenses, and set the stage for financial success. Let's sweep away debt, tidy up savings goals, and embrace a brighter financial future together! Don't forget to subscribe for more Protect and Grow content! For more information, contact Tim Stearns, CFP®, at (800) 868-1194 or visit our website at https://www.tjstearns.com/. #SpringCleaningFinances2024-04-2027 minProtect & GrowProtect & GrowThe Difference In Income & SpendingJoin Tim Stearns, CFP®, as he discusses the two keywords that define finance: spending and income. Tim defines how income can sustain you before retirement, is your biggest wealth-building tool, and is essential to plan out once in retirement. He also discusses the importance of managing spending, whether during retirement or before, emphasizing the difference between living within your means and overspending. Tune in and enjoy another insightful episode of 'Protect and Grow' with Tim Stearns, CFP®, owner of TjStearns, INC. For more information, contact Tim Stearns, CFP®, at (800) 868-1194 or visit our website at https://www.tjstearns.com/.2024-04-0627 minProtect & GrowProtect & GrowControlling Taxes In RetirementUnveil Tax Season and Saving Strategies with Tim Stearns, CFP®! 🎙️ Join Tim Stearns, CFP®, Owner of TjStearns, as he dives into essential tax planning insights in this episode of Protect & Grow. 💼 Host: Tim Stearns 📞 Contact: (800) 640-2256 🌐 Website: https://www.tjstearns.com/ Discover actionable tips to minimize tax liabilities and maximize savings. With over three decades of experience, Tim shares valuable advice on proactive tax planning, helping you secure a brighter financial future. Tune in now to unlock the secrets of tax optimization and take control of your finances! Reach...2024-03-3054 minProtect & GrowProtect & Grow7 Financial MythsIn this edition of "Protect & Grow" Tim Stearns, CFP® discusses "7 Financial Myths" that your retirement future may depend on. How reliable these assumptions are may determine the reliability of your retirement confidence and quality of life. "The Market Always Goes Up", "Taxes Will Go Down", "The Market Generates A Consistent Rate of Return": Is your financial future based on these widely held assumptions? How reliable are these beliefs? Are you betting your retirement on misconceptions or myths? Tim Stearns, CFP® examines and explains in this edition of Protect & Grow. We hope you enjoy. Contact Tim Stearns, CFP® at (800) 640-2256 and...2024-03-2327 minProtect & GrowProtect & GrowRetirement ReadyAre you #readytoretire? Like, really ready? Not just tired of work and wishing to quit, but financially prepared for 20 to 30 years or more of unemployment? If you're retirement-minded and aiming for confidence when that day comes, tune in to this week's Protect and Grow as TimStearns, CFP® reviews the essential questions to answer to gauge your retirement readiness. For more information contact Tim Stearns, CFP® from TjStearns at (800) 640-2256 and visit the website https://www.tjstearns.com/.2024-03-0927 minProtect & GrowProtect & GrowUnderstanding Your Investment OptionsWelcome to our investment options breakdown! From basic bank accounts to high-stakes stocks, we've got you covered. Learn about CDs, bonds, stocks, mutual funds, annuities, ETFs, and tax strategies for a brighter financial future. Stick around for insightful tips and valuable insights. If you need personalized guidance, feel free to reach out to us at TjStearns. Let's navigate your financial journey together! 💼💰 For more information, contact Tim Stearns, CFP® at (800) 640-2256 or online at https://www.tjstearns.com/.2024-03-0227 minProtect & GrowProtect & GrowTax PlanningIn the world of personal finance, there's a misconception that only the wealthy have access to certain financial advantages. However, the truth is, the tax code treats everyone equally, regardless of net worth. The key is understanding how to leverage tax advantages tailored to your situation. That's why it's crucial to ask yourself, 'How am I managing my taxes now and in the future?' and 'Am I utilizing the most effective strategies to minimize my tax burden?' Unfortunately, tax planning often takes a back seat in financial discussions. While investments and market chatter dominate the conversation, proactive...2024-02-2427 minProtect & GrowProtect & GrowCalculating Your Retirement NumberAre you wondering about the financial requirements for retirement? Join us in this insightful program where we'll dive deep into understanding your retirement number. We'll explore practical methods for calculating it, the significance of adopting an Income Allocation strategy to tackle this challenge, and the specific risks it can mitigate. Additionally, we'll outline key considerations for structuring the Income Allocation portion of your retirement plan. Don't miss out on this comprehensive discussion aimed at providing clarity and guidance on your path to a secure retirement. Contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at https://www.tjstearns.c...2024-02-1727 minProtect & GrowProtect & GrowCaring For Loved OnesDiscover the intricacies of family care and financial well-being in this week's episode! Join us for a conversation with Tim Stearns, CFP® as we delve into the delicate balance between love and money in caring for your loved ones. Gain practical insights and thoughtful perspectives on navigating these crucial aspects of life. It's an engaging discussion that provides valuable considerations for your family's future. Contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at https://www.tjstearns.com/.2024-02-1027 minProtect & GrowProtect & GrowNavigating Financial Pitfalls 🚀Join us as we dissect common financial missteps – from inadequate savings to the fear of spending. Dive into the intricacies of tax deferrals, optimize Social Security, and learn practical strategies for a smoother financial journey. Subscribe for concise insights into money matters. Contact Tim Stearns, CFP® at (800) 640-2256 or visit the website at https://www.tjstearns.com/.💡💰 #financialwisdom #retirementplanning2024-02-0327 minProtect & GrowProtect & GrowUnderstanding Your 401K🤔 Curious about 401(k)s? 🧐 Explore the ins and outs with Tim Stearns, CFP® from Tj Stearns, the good, the not-so-good, and everything in between. Get insights for smarter financial moves. No fluff, just real talk. Dive in and navigate the 401(k) landscape with us 🚀! Contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at https://www.tjstearns.com/. #401kExplained #financialinsights #RetirementTalk2024-01-2727 minProtect & GrowProtect & GrowThe Year In PreviewJoin us as we delve into the world of proactive financial planning! While many focus on past events, our show shifts the spotlight to the future. Tax filing becomes a personal financial reflection, but we're not dwelling on history. This is a discussion about the upcoming year, covering important topics and events. Connect with Tim Stearns, CFP® at TjStearns (800) 640-2256, and explore further on our website: https://www.tjstearns.com/. Let's explore the "Year In Preview" together!2024-01-2027 minProtect & GrowProtect & GrowLet's Start The Year Off RightOften times we hear about “The Year In Review”, looking back at major events that have happened in the prior year. In our personal financial lives, this is also what we do during tax preparation. Filing taxes is literally putting together a personal “Financial Year In Review”, but we are planners. This is a show about planning. Planning is about looking forward and being proactive, not looking back, being historical, or being reactive. Certainly, we can gain some knowledge from history (maybe we should gain and retain a little more), but we have to plan ahead and keep moving forward...2024-01-1353 minProtect & GrowProtect & GrowNew Year, New You?Planning for the Year(s) Ahead - 2023 has been a year unlike any other; we have had our share of ups and downs. Thankfully, the stock markets ended up more up than down. So, how do we plan ahead for an equally as unpredictable 2024 and beyond? One of the main things that careful planners prepare for while working and earning income is TAXES. As Tim Stearns, CFP® discusses, this year and next year may be an especially important tax planning opportunity not to miss. With the upcoming tax season and potential portfolio loose ends, now is a great time to speak w...2024-01-0627 minProtect & GrowProtect & GrowPlanning Resolutions For 2024As you look forward to the approaching new year, ready to chart your course for 2024, the prospect of setting financial goals may be on your mind. Perhaps you're aiming to eliminate lingering student loans by the next holiday season or contemplating strategies to enhance your retirement plan. Unlike the transient nature of many New Year's resolutions, effective goal-setting requires careful consideration. Research indicates that the average New Year's resolution barely endures into the spring, and you may find yourself pondering a crucial question: How can I establish realistic and achievable financial goals for 2024? The answer lies in...2023-12-3027 minProtect & GrowProtect & GrowProcrastinating PlanningMany (probably too many) are out doing last-minute Christmas shopping this weekend. Some studies show that people (men in particular) wait until the last minute, even right up until Christmas Eve to even start shopping for Christmas. Unfortunately, we also have this same quality of procrastination when it comes to our financial planning and well-being. Let’s talk about the psychology of financial procrastination and how damaging it can be. This is not a “guilt trip”. This is a proactive reminder that some things are too important to “wait until later”. For more information on this and many other important...2023-12-2427 minProtect & GrowProtect & GrowGiving & Gifting It is a Financial Christmas’Tis the season for thinking of family and friends, for gifting, giving, and generosity. For the holidays, we generally think of bows and packages in wrapping paper. Of course, these gifts cost money and we should try to be responsible with the way we spend throughout the holidays. On a larger scale, we should also consider our ongoing financial impact through gifting and giving strategies to family, as well as any outside gifts, giving, or donations we make to charities, churches, or organizations. We are in the midst of what has been dubbed the “Great Wealth Transfer” as the accumul...2023-12-1627 minMission Control PodcastMission Control PodcastExpert Advice About Lead Generation with Tim Brown from Hook AgencyIn this episode, Mike invites Tim Brown, owner and CEO of Hook Agency, to discuss lead generation. Tim shares insightful tips on what you should be cautious about when buying seller leads. They also dive into the importance of referrals and why they should remain a significant focus even when business is booming.    Interested in learning more about Roofr? Get your first roof measurement report for free: https://shorturl.at/quCQ5   Contact us : takeoff@ascenddigitalexperts.com Let's Connect! ==== ==== ==== Website: https://bit.ly/3NQXXKK Facebook: https://bit.ly...2023-12-1532 minProtect & GrowProtect & GrowWrapping Up The YearEvery year is a little different. Every year has a few surprises in store we cannot predict. There are also some changes that we do know the new year will bring ahead of time that we can begin to prepare for now. On this program we will discuss some of those changes. For more information on this and many other important financial topics, contact Tim Stearns at (800) 640-2256 or visit the website at https://www.tjstearns.com/.2023-12-0927 minProtect & GrowProtect & Grow2 Most Determining Factors For A Successful RetirementYou have always first and foremost had an income plan. When you set your alarm so that you get up to show up for work, put in your time and sweat equity to perform your tasks, and trade that time for money, that is your income plan. You plan to repeat that routine overtime to earn a living, manage your bills, and to support your ability to save for retirement. That is an income plan! The INCOME PLAN is what supports your lifestyle and your investment plan. The stability and predictability of the income you generate is what allows...2023-12-0227 minProtect & GrowProtect & Grow3 Biggest Expenses In Retirement!!!Have you identified and addressed the biggest expenses that will impact your finances throughout retirement? In this edition of "Protect and Grow", Tim Stearns, CFP® identifies the three largest expenses in retirement that can drain your wallet, fry your nest egg, and derail your financial goals. Tim shares insights on how to minimize these expenses and take control of your retirement finances. To connect with Tim and learn more about his financial planning services, you can contact him directly at (800) 640-2256 or visit his website at https://www.tjstearns.com/. With Tim Stearns, CFP® guidance, you can make informed de...2023-11-1827 minProtect & GrowProtect & Grow5 Planning Mistakes To AvoidTune in as Tim Stearns, CFP® discusses "5 Planning Mistakes To Avoid" with information on how to avoid them including how important it is to have a "GRIP" on your retirement, inappropriate and appropriate risks to take, and using social security. For more information, contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at https://www.tjstearns.com/2023-11-1127 minProtect & GrowProtect & GrowSolving The Modern Retirement Riddle Part 2Tune in to learn about Tim Stearns, CFP® new book "Solving The Retirement Riddle". To get your copy contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at https://www.tjstearns.com/.2023-11-0427 minProtect & GrowProtect & GrowSolving The Modern Retirement RiddleTune in to learn about Tim Stearns, CFP® new book "Solving The Retirement Riddle". To get your copy contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at https://www.tjstearns.com/.2023-10-2827 minProtect & GrowProtect & Grow7 Financial MythsIn this edition of "Protect and Grow: Chicagoland Retirement" Tim Stearns, CFP® discusses "7 Financial Myths" that your retirement future may depend on. How reliable these assumptions are may determine the reliability of your retirement confidence and quality of life. "The Market Always Goes Up", "Taxes Will Go Down", "The Market Generates A Consistent Rate of Return": Is your financial future based on these widely held assumptions? How reliable are these beliefs? Are you betting your retirement on misconceptions or myths? Tim Stearns, CFP® examines and explains in this edition of Protect and Grow. We hope you enjoy. Contact Tim Stea...2023-10-2127 minProtect & GrowProtect & Grow8 Moments To Move Your MoneyOn this episode of Protect & Grow, Tim Stearns, CFP® discusses the 8 important moments you should consider making changes with your money. Not all of these are big changes, but all of these 8 moments are important to recognize as opportunities to improve your financial outcome. Tim dives deep into each of the 8 moments to help provide a better understanding of the opportunities you have to improve your financial and retirement future. If you have reached any of these 8 benchmarks, milestones, or areas of concern make sure to contact Tim Stearns at (800) 640-2256 and visit the website at https://www.gulfcoastfinancial.net/.  2023-10-1427 minProtect & GrowProtect & GrowSocial Security MythsWe will discuss the news of the pending #SocialSecurityCuts and funding shortfall, the timing of claiming and collecting your benefits, #SocialSecurityTaxes, #SocialSecurityPenalties, survivorship benefits, making good decisions to optimize your benefits, how to include #SocialSecurity as an effective part of your retirement plan, and concerns about the solvency of the Social Security system and potential options for solutions. For information on how to #Protect&Grow contact @Tim Stearns, CFP® at (800) 640-2256 and visit https://www.tjstearns.com/.2023-10-0727 minProtect & GrowProtect & GrowFinancial FootballWhile in your day-to-day pre-retirement life you may have a vacation here and there, a house payment, and maybe even some debt you take on, whether it is school, car, credit card, or a mortgage. One thing that may put your mind at ease is income and the paycheck that you work 40+ hours a week for continuing to provide financial and lifestyle security. What if that check went away? What if for the rest of your life, you wouldn't earn that check ever again? How would you continue to live a lifestyle you enjoy? This is why #YourGamePlanForRetirement is...2023-09-3027 minProtect & GrowProtect & GrowAre You Ready To Retire#FinancialFreedom is a big question for those still working and punching the time clock. There are many considerations that come into play to truly #RetireWell. Whether you are on your way or ready for retirement, contact Tim Stearns, CFP® at TJStearns Inc. to plan your #Retirementjourney and achieve your #retirementgoals. Call (800) 640-2256 and visit https://www.tjstearns.com/.2023-09-2327 minProtect & GrowProtect & GrowWhat Kind Of Investor Are You?The year so far has been much more stable and generous than many beginning-of-year predictions and indicators. Investors are still cautious, paying attention, and even worried about their investment stability. Today we will discuss market risk in a way that can shed some light on what the potential volatility means for you and some proactive steps to take if you are uncomfortable seeing market losses reflected in your portfolio. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at https://www.tjstearns.com/.2023-09-1627 minProtect & GrowProtect & GrowState of The MarketsThere are time-tested principles for long-term investing success. While your final outcome can never be 100% certain and guaranteed, investment in the market has worked to build and grow wealth, and these core principles help to increase the likelihood of an optimal outcome. While the market is in good shape, it is time to consider your exposure and approach to risk in your investment portfolio, and make sure that you have a sound fundamental approach. We will discuss important elements and strategies to keep in place over your investment timeline. For more information contact Tim Stearns at (800) 640-2256 and visit...2023-09-0927 minProtect & GrowProtect & GrowHow To Control, Minimize, and Even Eliminate Taxes In Retirement!Taxes are the biggest expense between making money and keeping it, so taxes should be managed proactively too. On this episode, we will discuss Roth strategies as a means of controlling the expense of taxation on your wealth and discuss some specifics on the opportunity to take advantage and maximize your Roth balance. For Information contact Tim Stearns, CFP® with TjStearns at (800) 640-2256 and visit the website at https://www.tjstearns.com/.2023-09-0227 minProtect & GrowProtect & Grow3 Biggest ExpensesHave you identified and addressed the biggest expenses that will impact your finances throughout retirement? In this edition of "Protect and Grow", Tim Stearns, CFP® identifies the three largest expenses in retirement that can drain your wallet, fry your nest egg, and derail your financial goals. Tim shares insights on how to minimize these expenses and take control of your retirement finances. To connect with Tim and learn more about his financial planning services, you can contact him directly at (800) 640-2256 or visit his website at https://www.tjstearns.com/. With Tim Stearns, CFP® guidance, you can make informed dec...2023-08-2627 minProtect & GrowProtect & Grow6 Stealth TaxesOf the six stealth taxes, all but one has been in existence for several years. Two of the stealth taxes are difficult to avoid due to their low-income threshold. While most of these stealth taxes may not kick in until retirement, planning for each stealth tax should begin several years before a federal employee retires and continues throughout his or her retirement. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at https://www.tjstearns.com/.2023-08-2027 minProtect & GrowProtect & GrowAnnuitiesWhat are annuities? What do they do? What can they not do? Why do they seem to have a negative reputation? How do they function? What role they play in a comprehensive retirement planning? On this program, we will examine annuities. There are pro’s, con’s, benefits, disadvantages, and specific features to understand. For more information contact Tim Stearns from TjStearns at (800) 640-2256 and visit https://www.tjstearns.com/.2023-08-1227 minProtect & GrowProtect & GrowHow To Control, Minimize, and Even Eliminate Taxes In Retirement!Taxes are the biggest expense between making money and keeping it, so taxes should be managed proactively too. On this episode, we will discuss Roth strategies as a means of controlling the expense of taxation on your wealth and discuss some specifics on the opportunity to take advantage and maximize your Roth balance. For Information contact Tim Stearns, CFP® with TjStearns at (800) 640-2256 and visit the website at https://www.tjstearns.com/.2023-08-0527 minProtect & GrowProtect & GrowYour Investment Plan Requires Your Income PlanThere are time-tested principles for long-term investing success. While your final outcome can never be 100% certain and guaranteed, investment in the market has worked to build and grow wealth, and these core principles help to increase the likelihood of an optimal outcome. While the market is in good shape, it is time to consider your exposure and approach to risk in your investment portfolio, and make sure that you have a sound fundamental approach. We will discuss important elements and strategies to keep in place over your investment timeline. For more information contact Tim Stearns, CFP® from TjStearns at (800) 640...2023-07-2927 minProtect & GrowProtect & GrowThe State Of The MarketsThere are time-tested principles for long-term investing success. While your final outcome can never be 100% certain and guaranteed, investment in the market has worked to build and grow wealth, and these core principles help to increase the likelihood of an optimal outcome. While the market is in good shape, it is time to consider your exposure and approach to risk in your investment portfolio, and make sure that you have a sound fundamental approach. We will discuss important elements and strategies to keep in place over your investment timeline. For more information contact Tim Stearns at (800) 640-2256 and visit...2023-07-2227 minProtect & GrowProtect & GrowA Sound Approach To VolatilityDo you remember doing safety drills? Has your family ever discussed their “emergency plan”? In your financial life, you should have an emergency plan as well. You should set yourself up for basic issues and have a few good emergency steps in place, such as having accessible cash, just in case of emergencies, don't stop contributing to your accounts, and of course, don't panic. An emotional decision might end up being the worst decision. For more information contact Tim Stearns, CFP® at (800) 868-1194 and visit the website at https://www.tjstearns.com/.2023-07-1027 minProtect & GrowProtect & GrowFinancial IndependenceWhat is the ultimate goal with your money? We have talked a lot recently about financial goals, and the goals of the retirement income plan, Social Security goals, 401(k)s, and retirement savings goals...but, ultimately, your goals with money probably center around your values, your family, your time, and your enjoyment of life. Money is important. It is important because it is the tool that does the job of supporting these most important goals. On this new edition of Protect And Grow, we will examine what true financial freedom really means and what you should be doing with...2023-07-0154 minProtect & GrowProtect & GrowRetirement Income PlanningTim Stearns, CFP® discusses the basics of a good retirement plan and what TjStearns offers when assisting you in retirement. We hope you enjoy this week's edition of Protect & Grow, and if you have any questions just contact TjStearns at (800) 640-2256 and visit the website at https://www.tjstearns.com/.2023-06-2426 minMission Control PodcastMission Control PodcastGoogle Ads: How to Lower the Cost Per Lead for Your Roofing Company w/Tim Brown of Hook Agency 🚀Google Ads: How to Lower the Cost Per Lead for Your Roofing Company w/Tim Brown of Hook Agency 🚀   On this episode, Mike has Tim Brown of Hook Agency on the show!    Tim & Mike deep dive into how you can lower the cost of leads for your company. They go into details on how you can also optimize your reach with Google ads, website optimization, keywords, structured sales funnels, and customer psychology.  Contact us! takeoff@ascenddigitalexperts.com Let's Connect! ==== ==== ==== Website: https://bit.ly/3NQXXKK Facebook: https://bit.ly...2022-10-0630 min