Retirement Planning - Redefined

著者： John Teixeira and Nick McDevitt
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  • Financial and retirement planning guidance from Certified Financial Planner John Teixeira and Nick McDevitt of PFG Private Wealth Management in the Tampa Bay, FL area. On this show, you'll learn about how the financial and retirement world has evolved over the past several decades, how to properly plan for your own future, and some of the important pitfalls to avoid. PFG Private Wealth Management, LLC is a registered investment adviser. All statements and opinions expressed are based upon information considered reliable although it should not be relied upon as such. Any statements or opinions are subject to change without notice. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investment involve risk and, unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives and is not intended as recommendations appropriate for any individual. Listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.
    Copyright John Teixeira and Nick McDevitt
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Financial and retirement planning guidance from Certified Financial Planner John Teixeira and Nick McDevitt of PFG Private Wealth Management in the Tampa Bay, FL area. On this show, you'll learn about how the financial and retirement world has evolved over the past several decades, how to properly plan for your own future, and some of the important pitfalls to avoid. PFG Private Wealth Management, LLC is a registered investment adviser. All statements and opinions expressed are based upon information considered reliable although it should not be relied upon as such. Any statements or opinions are subject to change without notice. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investment involve risk and, unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives and is not intended as recommendations appropriate for any individual. Listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.
Copyright John Teixeira and Nick McDevitt
ビジネス・キャリア 個人ファイナンス 政治・政府 経済学
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  • New Year, New Me: How To Change Your Money Attitude In 2025

    New Year, New Me: How To Change Your Money Attitude In 2025
    2025/01/23
    As we kick off 2025, a lot of people consider what they want the year to look like and how to put their best foot forward, especially financially. Think: “new year, new me!” To figure out what the new “you” is all about, sometimes it helps to reflect first on what you’ve done in the past and what you want to change moving forward. Today, we’ll talk about the financial decisions and habits you’ve maybe had in the past and what changes you can make this year to embrace the new you. Helpful Information: PFG Website: https://www.pfgprivatewealth.com/ Contact: 813-286-7776 Email: info@pfgprivatewealth.com Disclaimer: PFG Private Wealth Management, LLC is an SEC Registered Investment Advisor. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. The topics and information discussed during this podcast are not intended to provide tax or legal advice. Investments involve risk, and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial advisor and/or tax professional before implementing any strategy discussed on this podcast. Past performance is not indicative of future performance. Insurance products and services are offered and sold through individually licensed and appointed insurance agents. Speaker 1: It's time once again for another edition of the podcast, Retirement Planning Redefined with John and Nick, financial advisors at PFG Private Wealth. And you can find them online @pfgprivatewealth.com. That's pfgprivatewealth.com. And we are into the new year. It is 2025, which still sounds weird to say. And we're going to do that new catchphrase in the last couple of years has been that new year, new me thing. So we're going to do that with our money. Now, I know it's the middle of the month already and you think, well, you should be doing this like the first week. But I was thinking about this, guys, I think January 16th I think which is the day we're dropping this podcast, I think that's actually officially quitters day if I'm not mistaken. But they have a term for it, people who set a resolution and then quit within two weeks. So I thought, well, let's wait till now and then we'll do our money attitude changing hopefully. And that way hopefully people will stick with it when it comes to following their resolutions through. So let's get into it this week. John, how are you doing, my friend? Speaker 2: I'm doing all right. How are you? Speaker 1: Doing pretty good. Are you a resolution kind of guy? Do you set those? Speaker 2: I don't think I've ever set a New Year's resolution. Speaker 1: Really? Okay. All right. What about you, Nick? You doing all right? Speaker 3: Doing pretty good. I can't say that I am a much of a resolution person either. Speaker 1: Okay. Nothing wrong with that. Speaker 3: Yeah, but trying to do a little bit better, set some goals not necessarily New Year's resolution. Speaker 1: Well, I will say this, I'm not a resolution person either, but I did set last year as like I wrote four things down I wanted to accomplish in 2024. And I actually wrote it down, which I never do, and it actually kind of worked. So I kind of did stick with it and I got all four things accomplished. So I tried it again this year. So we'll see how it pans out. Speaker 3: Yeah, there's definitely science behind it, write it down and everything. Speaker 1: Yeah. So with that said, guys, what we're going to do is we're going to do that kind of attitude and we're going to do that kind of conversation piece here with finance. So if you're in that kind of new year, new me camp, this might be right up your alley. So guys, I'm going to give you the old you, like what maybe the old version of yourself might be saying. And then you give us the new you spin. Okay, so how to take it in that direction we want to improve on. So John, we'll start with you. So the old you might be like, man, I live beyond my means. I know I'm overspending. I got to get that under control. And A, first step is if you can accept that and admit that that's already a great thing, but what else should you be doing if you're trying to get into the new me? Speaker 2: Yeah, I think a first step for that is really take a look at where you're spending your money and prioritize what do you want to be spending on? So you kind of look at last year and say, "Hey, a lot of this stuff was unnecessary. I really didn't need it. Could have done without it." And maybe there was a little bit of guilt when you purchased it or did whatever you did. So I think prioritizing is step one. Setting a little bit of a budget. It doesn't have to be strict, but something that you could at least track as you just mentioned there, you wrote down some goals and it kind of helped you out. Same thing with this, write down where's your ...
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    22 分
  • For Couples, Retirement Planning Is A Team Sport

    For Couples, Retirement Planning Is A Team Sport
    2024/10/03
    Are you and your spouse on the same page when it comes to what retirement is going to look like? If not, it’s time to talk. Listen to this episode where we'll explore why it’s so important for couples to have detailed conversations about their finances and retirement futures. We’ll cover exactly what you need to discuss, and how to handle any disagreements. Helpful Information: PFG Website: https://www.pfgprivatewealth.com/ Contact: 813-286-7776 Email: info@pfgprivatewealth.com Disclaimer: Disclaimer: PFG Private Wealth Management, LLC is an SEC Registered Investment Advisor. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. The topics and information discussed during this podcast are not intended to provide tax or legal advice. Investments involve risk, and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial advisor and/or tax professional before implementing any strategy discussed on this podcast. Past performance is not indicative of future performance. Insurance products and services are offered and sold through individually licensed and appointed insurance agents. Mark: Are you and your spouse on the same page when it comes to what retirement is going to look like? If not, it's time to talk. So check into this episode where we explore why it's important for couples to have detailed conversations about not only their finance, but their retirement futures and their dreams, this week on Retirement Planning, Redefined. What's going on? Welcome into the podcast. Thanks for hanging out with John, Nick, and myself as we talk investing, finance and retirement. And we're going to go to couples therapy this week here on the podcast a little bit, or maybe we'll make it more manly, I guess, and call it a team sport. However you want to look at it, you want to be on the same page with your spouse, with your loved one when it comes to retirement. I wanted to talk a little bit about that this week, guys, to see how many people generally are on the same page by the time they sit down with professionals like yourselves, financial professionals, or if it's happening a lot in real time, right in front of you. So we'll get into it this week. What's going on, John? How are you bud? John: Hey, I'm doing good. How are you? Mark: Doing pretty good, hanging in there. Looking forward to chatting about this a little bit. Nick, I hope you're well. Nick: All good. Mark: All good as usual. Well, that's very good. Nick: Good start to the season for the bills, so I'm happy. Mark: All right, well there you go. Nick: It's early. It's early, but... Mark: My lions, my lions are all right for right now. We'll see. I don't have a lot of hope. 40 years doesn't bode well when you have one good season in 40 years, but we'll see. Nick: I get it, [inaudible 00:01:33]. Mark: All right, so let's dive into this couple stuff here. Why is it important for couples to work together on their retirement plan? I mean, you come in, somebody sits down for the first time with you guys for a consultation, and they're just not even remotely on the same page. That's got to be a bit more problematic, yeah? Nick: Yeah. Not being remotely on the same page is tricky. I would almost say we probably, at least for John and I, we probably don't run into it too much where they're completely on separate pages. Mark: Well, that's good. Nick: I would say that there tend to be different ways that they think about money and kind of communicate about money. To be honest, that's one of the reasons that I would say that John and I like working together as a team with clients is because oftentimes one of us will kind of pick up more on the vibe that one of the people in the relationship is on, and then vice versa the other way around. And so I'd say it's pretty rare that people in a couple tend to think about finances the same way. Even though they might end up having similar goals on the backside, they kind of attack it a little bit differently. And really it's, I think we joke sometimes, I think at this point we're 80% therapist, 20% financial advisors. Mark: Right. Nick: And really it's just trying to get people closer to the same page, and realizing that a lot of the things that they're talking about are pretty similar and they're just going about different ways to attack that. Mark: Well, John, to expand on that, when somebody sits down for the first time, do you guys, if they haven't really discussed some of those big issues, is it important that they maybe try to knock some of that out before they come in to see an advisor? Or does it not really matter as long as it's getting done? John: Yeah, I don't think it really matters. I think sometimes they're not even really sure exactly what to be...
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    16 分
  • The Magic 8 Ball’s Guide to Retirement Planning

    The Magic 8 Ball’s Guide to Retirement Planning
    2024/09/30
    Remember the thrill of shaking a Magic 8 Ball to get answers to your childhood questions? Would we ace that math test? Would we be famous someday? Well, today, we're bringing a bit of that magic back. But instead of asking about pop quizzes and playground crushes, we’re turning to the Magic 8 Ball for advice on something much more important: your retirement planning! What would the Magic 8 Ball have to say about these common retirement questions if it had the wisdom of a financial advisor? Helpful Information: PFG Website: https://www.pfgprivatewealth.com/ Contact: 813-286-7776 Email: info@pfgprivatewealth.com Disclaimer: Speaker 1: PFG, Private Wealth Management LLC is an SEC registered investment advisor. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. The topics and information discussed during this podcast are not intended to provide tax or legal advice. Investments involve risk and unless otherwise stated are not guaranteed. Be sure to first consult with a qualified financial advisor and or tax professional before implementing any strategy discussed on this podcast. Past performance is not indicative of future performance insurance. Products and services are offered and sold through individually licensed and appointed insurance agents. Speaker 1: You all remember that thrill of shaking the Magic Eight Ball to get answers to those childhood questions we couldn't wait to find out? Would we ace that math test or be famous someday? All those crazy fun questions we had when we were kids. Well, this week on the podcast, we're going to do the Magic Eight Balls Guide to Retirement Planning with John and Nick here on Retirement Planning Redefined. What's going on everybody? Welcome into the podcast. Thanks for hanging out with John and Nick and myself as we talk investing, finance, and retirement. And we're going back to our childhood with the Magic Eight Ball. Going to have a little fun with these things and shake it up and see what kind of answers we get for retirement. Then of course, let the guys give us some proper answers just in case the Magic Eight Ball gets it wrong. But guys, what's going on this week? Good to talk with you as always. Nick, how are you buddy? Nick: Good, thanks. Just staying busy. Speaker 1: Staying busy, rocking and rolling. Very good. John, my friend, how are you? John: I'm doing all right. Getting ready for this upcoming storm we have, so. Speaker 1: Oh, big fun. Yeah. John: Getting to the grocery store quick, so all the crazies don't run me over. Speaker 1: Nice. Now you got little ones. Do they still sell the Magic Eight Balls in the store? I think they still make them. Don't they? John: They do. I think we had one at one point. Speaker 1: Nice. John: And it didn't work very well, so anytime they asked a question, it would end up on the side and they're like, what does it say? And I don't know. Speaker 1: I can't see it. You got to reshake. John: It was definitely something good that entertained them for a little bit. Speaker 1: Yeah. John: But like any little kid nowadays, it lasted all for about 20 minutes. Speaker 1: Oh, yeah. Yeah. John: Like, all right,- Speaker 1: Well I'm a wee little kid of the 70s, so I thought they were great. That and the Etch A Sketch and the Stretch Armstrong, I was a happy dude, so. But anyway, let's have a little fun with this, this week here and I'll toss you guys out a question. You kind of give us the Magic Eight Ball and your answer to it, or at least what it maybe should be, so to speak. Right. So we'll make it easy to kind of get things started. John, I'll toss this one to you. Should I start saving for retirement now? What's the Magic Eight Ball say? John: Magic Eight Ball is going to say yes, definitely. The sooner you can start the better. And that goes for anybody, whether that's you in your 20s. I have some clients that right out of college started and now they're in their late 30s, and when we do reviews occasionally, it's always like, "Hey, really appreciate you kind of getting on me for starting to save," because as life happens, expenses are going up, they have kids and stuff like that, it's harder to save. But when they didn't have too much going on in their early 20s expense wise, they were definitely built up a nest egg, so. Speaker 1: Yeah. John: If you haven't started at any point, wherever you are, 20, 30, 40, it's good idea to start. Speaker 1: Yeah, I mean 50 as well, right? I mean it doesn't make a difference at this point. Waiting yet another day only causes you more problems, right? So should you start now? Definitely. And I'll give you guys kind of a little primer on the Magic Eight Ball. So we kind of looked through some of the stuff. They have, I guess what you'd call the green, kind of the positive answers, right? Stuff like the one John just got there, ...
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    16 分
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