If you’ll be retiring soon, you may wonder how you’ll pay for it.  In this episode of ???? ????? ????????, CERTIFIED FINANCIAL PLANNER™ Professionals Tom Kennedy and Kevin M. Curley, II chat about ways to plan your withdrawal rates in retirement so your money lasts as long as possible. They also discuss interest rates, the Chinese regional bank crisis, and whether India will take over the number one spot as a world superpower. Find it Fast:  Withdrawal rates and how much do I need for retirement?00:00—Intro 01:44—What do I need to know about withdrawal rates? Central Bank Roundu ..read more

If you’re wondering if structured products can help smooth out the effects of market volatility on your investment portfolio, you’re not alone. In this episode of ???? ????? ????????, CERTIFIED FINANCIAL PLANNER™ Professionals Tom Kennedy and Kevin M. Curley, II discuss why investment banks use them, how the average investor can take advantage of them, and the risks involved. Find it Fast:  What are Structured Products00:00—Intro 01:15—The definition of structured products 06:27—Who does this make sense for and who should skip it? 07:52—What are the levels? 09:50—How do you buy them? 10:5 ..read more

If you’re shocked by the price of college, wait until you find out which schools might offer little-known discounts. In this episode of ???? ????? ????????, CERTIFIED FINANCIAL PLANNER™ Professionals Tom Kennedy and Kevin M. Curley, II discuss ways to lower the price of college, strategies to pay for it, and student loans. As mentioned by Kevin in the podcast, you can check out: collegeaidpro.com to view some of the material discussed. [Embed podcast player] Watch the video podcast version on YouTube [link] Find it Fast:  Price of College Paying for College00:00—Intro 00:41—Which colleges ..read more

You’ve probably noticed that your homeowners, auto, and umbrella insurance costs are on the rise. In this episode of ???? ????? ????????, CERTIFIED FINANCIAL PLANNER™ Professionals Tom Kennedy and Kevin M. Curley, II offer an insurance shopping guide with strategies for shopping around and lowering your property and casualty insurance costs. P & C Shopping Guide00:00—Intro 01:33—Insurance costs on the rise 03:35—Strategies for saving money on insurance* Role Play12:39—Alex Rodriguez 13:53—Singapore shophouses 16:15—Oaktree Capital 18:46—Is the yield curve inversion is wrong 22:52—Recreatio ..read more

What should investors be doing during an election year? In this episode of ???? ????? ????????, CERTIFIED FINANCIAL PLANNER™ Professionals Tom Kennedy and Kevin M. Curley, II host Global Wealth Advisors’ Chief Investment Officer Keith Sprauer. They discuss how election years affect the market and how politics plays into the mix. They also jump into topics like meme stocks, public official trading, and HELOCs in the Something or Nothing segment.  Find it Fast:  How the election year affects the market Guest Speaker 00:00—Intro 01:36—History and election years 05:53—Does a divided gove ..read more

If you’ve wondering whether there will be an interest rate cut this year, you’re not alone. In this episode of ???? ????? ????????, CERTIFIED FINANCIAL PLANNER™ Professionals Tom Kennedy and Kevin M. Curley, II give another rousing round of Central Bank Roundup and discuss whether investors can expect a rate cut or increase along with what some other countries are doing. Find it Fast:  Central Bank Roundup:00:00—Intro 01:23—Will there be an interest rate cut this year? 05:46—Mortgage rates on the move 07:40—Bank of England 11:30—Bank of Japan This material has been provided for general in ..read more

If you’re invested in the stock market, how do you pick your stocks? In this episode of ???? ????? ????????, CERTIFIED FINANCIAL PLANNER™ Professionals Tom Kennedy and Kevin M. Curley, II discuss the different types of analysis when selecting stocks including technical vs fundamental analysis, qualitative vs quantitative analysis, and evaluating and identifying a process. Find it Fast: Individual Stock Picking00:00—Intro 01:05—Technical analysis vs fundamental analysis 04:25—Qualitative vs quantitative analysis Something or Nothing 19:03—Bond restructuring 21:52—If the economy is doing well at ..read more

Need or greed, using life insurance strategies can help protect your family and potentially add to your retirement income. In this episode of ???? ????? ????????, CERTIFIED FINANCIAL PLANNER™ Professionals Tom Kennedy and Kevin M. Curley, II discuss the specifics about life insurance and the flexibility available. They also investigate whether AI, gold, US debt, and tech dividends are something to watch. Find it Fast:  Life Insurance Strategies About Life Insurance00:00—Intro 00:58—Insurance strategies 01:30—Term life 05:23—Permanent insurance 09:32—Investment options 13:00—Caution needed ..read more

Handcuffing employees to companies often occurs by granting employer stock. In this episode of ???? ????? ????????, CERTIFIED FINANCIAL PLANNER™ Professionals Tom Kennedy and Kevin M. Curley, II discuss the specifics around non-qualified stock-based compensation, employee stock purchase plans, and margin of safety involved with employer stock programs. They also cover the crypto rally* as well as high-yield savings accounts and why you should consider the tax implications of cash. Watch it on our YouTube channel: https://youtu.be/cVjn61TDPtA Find it Fast:  Employer Stock 00:00—Intro 01:09 ..read more

In this episode of ???? ????? ????????, CERTIFIED FINANCIAL PLANNER™ Professionals Tom Kennedy and Kevin M. Curley, II discuss the multiple ways for avoiding capital gains tax. They discuss tax loss harvesting, wash sales, and other strategies. They also take a look at the latest news headlines. For additional tax strategies, check out our Income Tax Strategy Guide. Find it Fast:  Avoiding Capital Gains Tax Capital Gains00:00—Intro 01:11—When are you taxed? 04:51—Tax loss harvesting06:48—Wash sale strategy 08:31—Two ways to avoid capital gains tax entirely Something or Nothing12:53—Elon M ..read more