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Well Balanced | Financial Planning, Bucket-Based Investing, Market Perspective, Wealth Management. A passionate and entertaining look at money and investing in and for retirement. For those that enjoy podcasts like Smart Money, On Investing, and BiggerPockets, Well Balanced is worth adding to your feed. Disclosures about our firm and this podcast. Vector Wealth Management is registered as an investment adviser with the Securities Exchange Commission (SEC). Registration as an investment adviser does not constitute an endorsement of the firm by securities regulators nor does it indicate that the adviser has attained a particular level of skill or ability. A copy of Vector’s current written disclosure brochure filed with the SEC discusses among other things, Vector’s business practices, services, and fees, and is available through the SEC’s website at: www.adviserinfo.sec.gov. All content in this podcast is for information purposes. Opinions expressed herein are solely those of Vector Wealth Management, our staff, and guests. Material presented is believed to be from reliable sources, however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed directly and in detail with your financial advisor prior to implementation. This podcast and related content are not intended to render personalized investment advice, nor should it be viewed as an offer to buy or sell, or a solicitation of any offer to buy or sell the securities or strategies discussed. Please note that neither Vector Wealth Management nor any of its agents give legal or tax advice. The firm is not engaged in the practice of law or accounting. Charts, graphs, and returns do not represent the performance of Vector Wealth Management or any of its advisory clients. Returns do not reflect the impact that advisory fees and other expenses would on the results. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for a client’s portfolio. All investment strategies have the potential for profit or loss. Past performance is not indicative of future performance. Visit vectorwealth.com/regulatory for the firms form CRS and ADV.
Episodes
Friday Mar 22, 2024
Friday Mar 22, 2024
In our latest podcast, Vector wealth advisor, Charlie Gruys delves into the role of scenario planning to align one’s investment policy with their life needs and goals. The conversation explores how engaging with different financial scenarios may help clarify the path towards a more confident financial future. By carefully modeling various financial decisions, such as the purchase of new vehicles, paying off a mortgage, or planning a significant vacation, individuals can assess the impact of today’s decisions on their long-term financial well-being.
The conversation also touches on different financial levers that individuals may use, such as:
- Adjusting the timing of social security or portfolio distributions,
- Contributing time rather than investable assets to charitable organizations,
- Reducing lifestyle expenses to allow investments to have more time in the market to grow.
Charlie emphasizes what he sees as the need for a strategic approach to financial planning, one that accommodates the inevitable ebbs and flows of the market, while staying aligned with personal financial objectives.
These discussions aim to spark dialogue about enhancing retirement readiness and making more informed financial decisions. At Vector, we delve into the nuances of scenario planning, offer insights and guidance tailored to each client's unique circumstances. If you or someone you know is pondering their financial future or seeking clarity on their retirement plan, we're here to help.
Time and Section Titles (Video/Podcast)
01:24 ... The ‘If You Haven't Saved Enough’ Feeling
02:00 ... Adapting to Market Volatility
03:11 ... Enhancing Retirement Savings
05:18 ... Strategic Gifting and Financial Planning
06:23 ... Volunteering vs Charitable Contributions
07:18 ... Bucket-Based Investment Strategy
08:02 ... Consideration of Social Security and Pensions
10:45 ... Navigating Big Financial Decisions
12:07 ... Buying a Vehicle?
13:32 ... Evaluating Mortgage Impact on Retirement Plans
14:07 ... Is it Feasible?
15:20 … We’re Running Financial Scenarios in Our Minds All-The-Time
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vectorwealth.com/regulatory
V24044098
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