It's not How Much You Earn, but How Much You Keep That Matters
Providence Financial Retirement Show with Anthony Saccaro
by Anthony A. Saccaro, ChFC, Esq.
5d ago
My dad used to often say to me, "It's not what you earn, but what you keep that matters." In this show, we'll talk about several strategies that can help you maximize how much you keep of what you earn.  We'll then go on to discuss potential pitfalls of investing in mutual funds and the benefits of individual bonds, particularly as you approach retirement. We'll also explain the difference between fee-based and commission-based advisors, with the former being held to a fiduciary standard which requires them to make the best recommendations for their clients.  For our weekly listener ..read more
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Inflation Hedge Investments
Providence Financial Retirement Show with Anthony Saccaro
by Anthony A. Saccaro, ChFC, Esq.
1w ago
It's no secret that inflation has been high - let's talk about which investments can best act as a hedge against it. We'll start with investing for income, then we'll cover bond and bond alternatives, dividend stocks and even real estate.  Our weekly listener questions will feature gold, Bitcoin and TIPS (treasury inflation protected securities).  We end this show with discussing the importance of a purpose-driven investment strategy that aligns with your retirement goals.  Listen in. >>>>>>>>>>>>>>>>>>>>>>>> ..read more
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The 411 on 401(k) Rollovers
Providence Financial Retirement Show with Anthony Saccaro
by Anthony A. Saccaro, ChFC, Esq.
3w ago
If you have a 401(k) and are wondering whether or not you should leave it there or roll it into an IRA, you're going to want to listen to this show. There are valid points on both sides of the argument and we'll make sure to cover them.  About two decades ago, it became popular for companies to allow in-service withdrawals for working employees over 59 1/2 years old. Since there are benefits for both options, it can be a controversial issue with many things to consider from a financial standpoint.  As usual, we'll end the show with listener questions. Listen in. >>>>> ..read more
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Bonds and Bond Alternatives
Providence Financial Retirement Show with Anthony Saccaro
by Anthony A. Saccaro, ChFC, Esq.
3w ago
What should you keep in mind about if you're considering Bonds as an investment option?  How can you use them as a capital appreciation play?  What are some alternatives if you think bonds might be too conservative for you?  These are the 3 points of interest we'll focus on during this show.   For our weekly listener questions segment, we'll talk about how to use an annuity for income and we'll explain the difference between saving for retirement and saving in retirement. Listen in.  >>>>>>>>>>>>>>>>>>>>>&g ..read more
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Ballots & Portfolios: Navigating Retirement Investments in Election Years
Providence Financial Retirement Show with Anthony Saccaro
by Anthony A. Saccaro, ChFC, Esq.
1M ago
Today we're diving into a timely topic: how your retirement investments may perform in this election year, when many investors find themselves wondering how political changes might impact their portfolios. Will the outcome of the election send markets soaring or plummeting? What strategies should retirees consider to safeguard their financial future amidst the political uncertainty? Election years can indeed be volatile for the markets due to the uncertainty surrounding potential policy changes. However, I always emphasize to my clients the importance of staying focused on their long-term fina ..read more
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3 Reasons to Invest for Income
Providence Financial Retirement Show with Anthony Saccaro
by Anthony A. Saccaro, ChFC, Esq.
1M ago
In this episode, we'll cover the three main reasons to invest for income. The first one is quite obvious - you need income from your portfolio. The other two may surprise you, so listen in.  What if you don't need income from your portfolio because you have enough income from other sources? We'll answer this question in the second part of the show.  We'll also touch on value stocks and growth stocks and uncover some of the differences between them.  Finally, we'll end with a listener question about Medicare. Listen in.  >>>>>>>>>>>>>&g ..read more
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Interest Rates - Where Do We Go From Here
Providence Financial Retirement Show with Anthony Saccaro
by Anthony A. Saccaro, ChFC, Esq.
1M ago
"Where are interest rates going to go from here and how will they affect my investments?"  This is one of the most common questions I've been receiving since the beginning of the year.  There's no shortage of news when it comes to interest rates and this is what networks seem to talk about almost every time I'm asked to do an interview. The FED has been given two mandates: to control unemployment (the labor market); and to control price stability (inflation/deflation). In this show, we'll talk about how these two variables influence interest rates. We'll also tackle a couple of liste ..read more
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IRA or Roth IRA - Which Is Better?
Providence Financial Retirement Show with Anthony Saccaro
by Anthony A. Saccaro, ChFC, Esq.
2M ago
The choice between a Traditional IRA (Individual Retirement Account) and a Roth IRA depends on your financial goals, current tax situation, and future expectations. Here are some key differences we'll touch on during this show:  - Tax Treatment: Traditional IRA: Contributions are often tax-deductible, meaning you can reduce your taxable income in the year you make the contribution. However, withdrawals in retirement are taxed as ordinary income. Roth IRA: Contributions are made with after-tax dollars, so there's no immediate tax deduction. However, qualified withdrawals (after age 59½ and ..read more
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The "Make Your Millions Last" Formula
Providence Financial Retirement Show with Anthony Saccaro
by Anthony A. Saccaro, ChFC, Esq.
2M ago
Welcome to this week's show - you'll notice it's twice as long as usual. With recent topics requiring more air time, rather than breaking up the topic into two shows, we're switching to one weekly podcast which will be released every Monday at 5 AM PST. Reach out to info@providencefinancialinc.com and let us know what you think about this change. We hope you find it helpful.  And now - on with this week's podcast. Did you know there's an actual financial formula that can help you make your millions (or hundreds of thousands, or however much you have) last throughout your retirement years ..read more
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New Year's Financial Tune-Up - Part 1
Providence Financial Retirement Show with Anthony Saccaro
by Anthony A. Saccaro, ChFC, Esq.
2M ago
There's no better time than the beginning of the year (and just a few months before tax time) to take an overview of your financial picture and make any necessary tweaks and tune-ups. In this show and the next, we cover 8 areas you may want to take a look at:  1. review your retirement goals  2. review your investment portfolio 3. tax planning 4. income planning 5. health care expenses 6. budgeting and spending  7. optimizing your Social Security benefits strategy  8. estate planning Listen in. >>>>>>>>>>>>>>>>>>>> ..read more
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