Shows
Protect & GrowAnatomy Of RetirementRetirement is more than leaving a job, it involves several parts that work together to shape how life looks after your career. In this video, we walk through the anatomy of retirement by looking at income sources, savings, healthcare considerations, lifestyle choices, and planning habits that influence long term stability. The goal is to give a clear, practical overview of what retirement is really made of so viewers can better understand the factors that go into preparing for this stage of life. For more information contact Tim Stearns, CFP® and his team at TjStearns at (800) 640-2256 and visit the w...
2026-02-0716 minProtect & GrowAvoiding Preventable MistakesIn this episode, we talk through common retirement mistakes that are often overlooked but can have lasting effects. Topics include timing decisions, income planning, and areas where people may underestimate risk or taxes. The conversation is meant to help listeners think more carefully about their own retirement choices and recognize issues worth reviewing before they become harder to address. For more information contact Tim Stearns, CFP® and his team at TjStearns at (800) 640-2256 and visit the website at www.tjstearns.com/.
2026-01-3116 minProtect & GrowRetirement Income PlanningRetirement brings a new chapter in how people think about money and what comes next. This video explores some of the ways money is managed after working years are over, and how people consider what happens to their finances down the road. There are no promises or specific advice here—just an overview of common themes around money, legacy, and planning for the future. If you're interested in understanding more about this stage of life and the choices involved, this video may offer some useful perspectives. For more information contact Tim Stearns, CFP® and his team at TjStearns at (800) 640-22...
2026-01-2427 min
Your Money Matters with Jon HansenTim Stearns: Mapping out your retirement at TJ Stearns
Tim Stearns, owner and president of TJ Stearns Financial Planning & Benefits, joins Jon Hansen to discuss how a financial plan is made. Jon gives Tim a customer scenario to see how creating a retirement plan would be mapped out at TJ Stearns. For more information, call 800-640-2256.
https://serve.castfire.com/audio/7926111/7926111_2026-01-21-002411.64kmono.mp3
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Your Money Matters
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2026-01-2100 minProtect & GrowLife InsuranceLife insurance can be an important part of planning for the future, including retirement. In this video, we look at how life insurance fits into long-term financial planning, why people consider having it, and how it can provide stability and flexibility as you plan for later stages of life. This is a straightforward look at the role life insurance can play without focusing on specific policies or making guarantees. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStearns.com
2026-01-1719 minProtect & Grow2026 Reminders & UpdatesIn this episode, we discuss retirement and what 2026 may bring, focusing on economic trends, possible policy changes, and other factors that could influence retirement planning. We walk through key topics to be aware of and share general insights to help you think about how these developments might affect retirement savings and income. The goal is to provide context and awareness so you can stay informed 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
2026-01-1013 minProtect & GrowSmart ResolutionsRetirement planning often gets framed as an all-or-nothing goal, but smart resolutions take a more realistic approach. In this video, we look at retirement through the lens of steady decision-making, manageable goals, and long-term consistency. The discussion focuses on understanding your current situation, making thoughtful adjustments over time, and avoiding pressure to have everything figured out at once. These smart resolutions are about staying informed and intentional as your retirement plans evolve. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStearns.com
2026-01-0319 minProtect & GrowFoundation FirstBuilding a strong foundation is key to approaching retirement with confidence. In this video, we explore the essential steps and strategies that help create a solid base for your financial future. From understanding your goals to organizing your resources, laying the groundwork early can make navigating later stages smoother and more effective. Discover practical insights and strategies to help you plan ahead and strengthen your retirement foundation. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStearns.com
2025-12-2727 min
Home Sweet Home Chicago with David HochbergHome Sweet Home Chicago (12/20/25): David Hochberg with Steven Leahy of Opem Tax Advocates, Frank Wasilewski of Access Elevator, Tim Stearns of TJ Stearns Financial Planning, and Jeremy Hogel of MegaPros Home Improvement
We started this week’s show by chatting with IRS tax attorney Steven Leahy of Opem Tax Advocates about best practices for independent contractors. Then, Frank Wasilewski, CEO of Access Elevator joins the show to teach listeners on how to avoid scams. David welcomes Tim Stearns, owner and president of TJ Stearns Financial Planning & Benefits, for the first time as he breaks down a year-end checklist. And Sitting shotgun is Jeremy Hogel, Home Remodeling Specialist at MegaPros, as David takes calls from loyal listeners on this packed show!
https://serve.castfire.com/audio/7869270/7869270_2025-12-20-192010.64kmono.mp3
Recen...
2025-12-2000 minProtect & GrowSteps For Success In The Year AheadIn this video, we explore practical steps to approach retirement and how to organize different aspects of life during this stage. The focus is on planning, making thoughtful choices, and understanding how priorities may shift over time. Topics include finances, daily routines, and personal goals, all considered in a realistic and reflective way. The video offers a framework for thinking about retirement rather than predicting outcomes. It's designed to help viewers consider what matters most and how to approach this phase with clarity. For more information contact Tim Stearns, CFP® and his team at TjStearns at (800) 640-2256
2025-12-2012 minProtect & GrowThe Pillars To Your Retirement BlueprintA retirement blueprint can be a helpful way to think about the different areas that shape life in later years. This video looks at several pillars people commonly use to organize their thoughts, such as daily lifestyle considerations, financial structure, personal priorities, and long-term planning habits. Each pillar is presented as a lens for understanding how various pieces of retirement may connect. The intention is simply to outline ideas that viewers can use to reflect on their own situation. This overview offers a straightforward way to explore the elements many people review when considering their retirement framework. For more...
2025-12-1318 minProtect & GrowPreparing For LaunchThis video explores the process of getting ready for retirement and the different elements that can shape that transition. It looks at how people think about long-term planning, future priorities, and the adjustments that come with a new stage of life. The discussion reflects on common experiences and shifts that often occur when preparing for this next chapter. It also considers how personal goals and circumstances can influence the overall approach. Whether you're early in the planning phase or simply curious, the video offers a calm, reflective look at what preparing for retirement can involve. For more information contact...
2025-12-0513 minProtect & 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) 640-2256
2025-11-2927 minProtect & GrowConstructing Your Retirement PlanIn this episode, we take a broad look at how to think about and organize your long-term financial future. The video offers general perspectives on approaching retirement planning and invites you to consider what a sustainable path might look like for your own situation. If you're interested in preparing for the years ahead, this overview can help you get started. Remember to like and subscribe if you find it helpful.For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStearns.com
2025-11-1913 minProtect & GrowGiving Financial GIftsGiving money can be nice, but giving a financial head start is even better. In this video we explore smart ways to give meaningful financial gifts such as 529 college savings plans, custodial Roth IRAs, and other long-term options that can grow over time. You will learn how these accounts work, the tax benefits they offer, and how to choose the right one based on your goals and the recipient's age. This video is perfect for parents, grandparents, or anyone who wants their gift to keep on giving. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the w...
2025-11-1112 minProtect & GrowTax StrategiesIn this episode, we discuss how taxes influence retirement planning and explore strategies to manage their impact. The conversation covers how different retirement accounts are taxed, the role of Roth conversions, and the timing of withdrawals and income. It also considers how Social Security and investment decisions fit into a broader tax-aware approach to building a sustainable retirement plan. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStearns.com
2025-11-0412 minProtect & GrowEnd Of Year PlanningAs the year wraps up, it's a good time to take stock of your financial situation and consider any adjustments before heading into the new year. In this video, we discuss practical year-end planning steps, including tax considerations, investment reviews, and retirement contributions. Our goal is to share general insights to help you think through your own planning process and prepare for the months ahead. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStearns.com
2025-11-0109 minProtect & GrowAvoiding A Trick Or Treat RetirementHalloween and retirement might have more in common than you'd think. This video explores the parallels between the two from the "tricks" that can catch people off guard, like unexpected expenses or poor planning, to the "treats" that come with thoughtful preparation. It's a lighthearted look at how a few small decisions today can shape the experience of retirement later on. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStearns.com
2025-10-2508 minProtect & Grow10 Steps To Prepare For RetirementThis video explores 10 practical steps to prepare for retirement, offering a straightforward look at the key financial and lifestyle considerations that can shape your later years. Rather than focusing on quick fixes or lofty promises, it takes a balanced approach to understanding what goes into a secure and sustainable retirement plan. We'll discuss how to evaluate your current financial situation, estimate future expenses, and identify potential income sources such as savings, investments, and pensions. The video also touches on important non-financial aspects, including healthcare planning, housing decisions, and how to think about the kind of daily life you want...
2025-10-1827 minProtect & GrowFalling Interest RatesIn recent months, interest rates have begun to decline after a period of steady increases, raising important questions about what this shift means for the economy. This video examines the key factors behind the fall in rates, including changes in inflation, central bank policy decisions, and broader economic conditions. It also looks at how lower rates influence borrowing costs, savings returns, business investment, and housing markets. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStearns.com
2025-10-1127 minProtect & GrowA 401K Is Not A Retirement PlanA 401(k) is often seen as the cornerstone of retirement planning, but it may not be the complete solution many believe it to be. In this video, we take a closer look at what a 401(k) actually is, how it works, and the limitations that come with relying on it as your primary retirement strategy. We'll also discuss some of the factors like taxes, fees, and market risks—that can affect your long-term financial security, and why it's important to explore additional options when planning for the future. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the...
2025-10-0427 minProtect & GrowFoundation FirstBuilding a strong foundation is key to approaching retirement with confidence. In this video, we explore the essential steps and strategies that help create a solid base for your financial future. From understanding your goals to organizing your resources, laying the groundwork early can make navigating later stages smoother and more effective. Discover practical insights and strategies to help you plan ahead and strengthen your retirement foundation. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStearns.com
2025-09-2727 minProtect & GrowRetirement RealizedRetirement is a milestone we imagine for years, but it feels very different once it finally arrives. It's not just about leaving a career behind—it's about stepping into a whole new chapter of life. In this video, I share reflections on the emotions, changes, and lessons that come with this transition. Retirement offers time for family, hobbies, and personal growth, but it also takes some adjustment. Join me as I explore what it really means to realize retirement. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStearns.com.
2025-09-2027 minProtect & GrowFixed Incomes & Interest RatesIn this episode, we take a general look at how interest rates connect with fixed incomes, especially in the context of retirement. The discussion touches on the ways rate changes can relate to financial situations and what that might mean for people who depend on steady income sources later in life. The aim is to offer background and context rather than detailed guidance, giving viewers a chance to think about how shifts in interest rates and retirement income sources might intersect. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStearns.com.
2025-09-1327 minProtect & GrowLeaving A LegacyEver wonder what becomes of the things you've worked hard for after you're gone? This episode takes a closer look at the idea of legacy planning and why it matters. We'll talk about the importance of making your wishes clear, preparing for the future, and thinking through the steps that can help bring peace of mind to you and your loved ones. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStearns.com.
2025-09-0627 minProtect & GrowLabor DayAs Labor Day approaches, it's a fitting time to think about the future. In this episode, we explore some important aspects of retirement planning. Whether you're early in your career or approaching retirement, this discussion offers insights to consider as you plan ahead. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStearns.com.
2025-08-3027 minProtect & 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. Fo...
2025-08-2327 minProtect & GrowMarket VolatilityMarket volatility can feel unsettling, especially when you're thinking about your retirement savings. In this video, we break down what market ups and downs really mean in the context of long-term retirement planning, exploring the factors that drive volatility and how it can impact different types of investments. We'll discuss strategies for maintaining perspective during turbulent times, the importance of diversification, and how aligning your portfolio with your risk tolerance and time horizon can help you stay on track toward your retirement goals. This is not financial advice—just clear, informative insights to help you better understand the big pi...
2025-08-1627 minProtect & 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...
2025-08-0927 minProtect & Grow5 Pillars Of PlanningRetirement isn't a finish line—it's a transition that calls for structure, reflection, and long-range thinking. "5 Pillars of Planning for Retirement" explores key components that often shape a stable retirement strategy: income planning, investment approach, healthcare considerations, legacy intentions, and risk management. This video takes a measured look at how each of these elements can work together to support life beyond a paycheck. It's less about prediction, more about preparation—and how aligning these pillars with your personal priorities can create more clarity around the path ahead. Whether you're mapping out your first steps or revisiting an existing plan, this...
2025-08-0227 minProtect & GrowBig Beautiful OpportunitiesIn this video, we take a broad look at some of the more interesting and often overlooked opportunities that can emerge during tax season. From shifting perspectives to timely strategies that are gaining attention, it's a thoughtful discussion on how certain financial moves might align with today's evolving tax landscape. The conversation highlights areas that are sparking curiosity and conversation across the space. Whether you're simply trying to stay informed or looking to better understand the possibilities, this overview offers a fresh lens on how tax-related planning is being approached in 2025. For more information contact Tim Stearns, CFP® at (800) 640...
2025-07-2627 minProtect & GrowOne Big Beautiful ShowIn this video, we take a closer look at the "Big Beautiful Bill" and what it could mean for your retirement. We break down the real-world implications this legislation might have on your future income, taxes, and overall financial planning. The discussion covers how changes to government spending or policy could shift the landscape for retirees — both current and future. It's not about fear or hype, but understanding the practical impact and what adjustments might be worth considering. If you're thinking about retirement, or just want to stay informed, this is a conversation worth listening to. For more information co...
2025-07-1927 minProtect & GrowThe Second HalfAs we move into the second half of the year, it's a good time to pause and reassess—not just where the markets are headed, but where we are in our own lives and plans for the future. This episode takes a step back from the noise to look at the broader picture of financial well-being, with a particular focus on how we approach retirement planning as the seasons shift. It's not about quick fixes or predictions, but about using this midpoint as an opportunity to reflect on priorities, routines, and the long arc of preparation. Whether retirement feels fa...
2025-07-1227 minProtect & 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 sight of...
2025-07-0527 minProtect & GrowThe Great Wealth TransferRetirement brings a new chapter in how people think about money and what comes next. This video explores some of the ways money is managed after working years are over, and how people consider what happens to their finances down the road. There are no promises or specific advice here—just an overview of common themes around money, legacy, and planning for the future. If you're interested in understanding more about this stage of life and the choices involved, this video may offer some useful perspectives. For more information contact Tim Stearns, CFP® and his team at TjStearns at (800) 640-22...
2025-06-2827 minProtect & GrowA Good Retirement IncomeThis video explores the idea of creating a reliable and sustainable income for retirement, focusing on key principles rather than specific solutions. It encourages thoughtful planning and consideration of various factors that can impact your financial well-being later in life. Whether you're beginning your retirement journey or looking to refine your approach, this discussion offers insights to help you build a foundation that supports your unique goals and peace of mind. For more information contact Tim Stearns, CFP® and his team at TjStearns at (800) 640-2256 and visit the website at www.tjstearns.com/.
2025-06-2127 minProtect & 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 & 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 & 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) 640-2256
2025-05-2427 minProtect & 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 & 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'll cover...
2025-05-1027 minProtect & 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 vis...
2025-05-0327 minProtect & 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 & 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. Fo...
2025-04-1927 minProtect & 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 & 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 sight of...
2025-04-0527 minProtect & 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 vis...
2025-03-2927 minProtect & 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 TjStearns.com.
2025-03-1527 minProtect & 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 & 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 & 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'll cover...
2025-02-2227 minProtect & 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 & 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 & 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 & 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 & 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 & 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://www.tj...
2025-01-1127 minProtect & 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 & 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.com
2024-12-2827 minProtect & 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.com
2024-12-2127 minProtect & 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 & 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 & 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 TjStearns.com.
2024-11-3027 minProtect & 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 & 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 & 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 v...
2024-11-0927 minProtect & 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 & 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 & 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 & 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 & 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 & 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 & 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 & 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 & 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 & 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 & 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 & 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 & 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 & 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 & 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 & 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 & 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 & 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 & 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 & 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 & 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 & 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 & 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 & 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 & 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 & 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 fa...
2024-05-1127 minProtect & 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 & 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 #financialstability
2024-04-2727 minProtect & 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/. #SpringCleaningFinances
2024-04-2027 minProtect & 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 & 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 & 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 min
Mission 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...
2023-12-1532 minMission 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...
2022-10-0630 min