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Retirement Plan Playbook
Matthew Theal
Financial and retirement planning guidance from the team at RPA Wealth Management. Join president Brent Pasqua and Certified Financial Planners Matthew Theal and Joshua Winterswyk each show for helpful conversations about money, life and retirement. Listen to this show and you'll be sure to have an excellent Retirement Plan Playbook.
- 44 minutes 32 secondsNavigating Inflation, Interest Rates, and Market Turbulence (Ep.100)
The Retirement Plan Playbook, hosted by Brent Pasqua, Matthew Theal, and Joshua Winterswyk of Evermont Wealth, celebrates its 100th episode milestone.
Reflecting on the journey since its inception in 2018, the hosts discuss the evolution of the podcast through challenges, including a pause during the pandemic and subsequent resumption due to client demand. They reminisce about past episodes, highlighting topics like social security, bond ladders, and selling businesses.
The episode then shifts focus to the first quarter of 2024, exploring major financial themes such as inflation, interest rates, stock market performance, and geopolitical tensions. The hosts examine how these factors influence retirement planning, investment strategies, and the broader economy.
The episode concludes with predictions for the upcoming quarters, emphasizing the importance of planning, staying informed, and seeking professional advice for a successful retirement.
00:40 The Journey to 100 Episodes: Reflections and Highlights
02:21 Favorite Episodes and Listener Feedback
03:32 Exciting Announcement for Listeners
03:39 Deep Dive into the First Quarter of 2024: Economic Insights
08:28 Inflation and Interest Rates: A Closer Look
12:46 The Bond Market Explained: Opportunities and Challenges
18:13 Housing Market Dynamics and Mortgage Rates
21:11 Market Leadership Shifts: Gold, Oil, and More
23:27 Baby Boomers vs. Millennials: Economic Impacts
25:06 The Tech Sector's Winners and Losers
28:22 Predictions for Q2 of 2024: Market Trends and Volatility
30:13 Investment Strategies and the Rise of AI
32:41 Personal Finance Tips and the Importance of Diversification
36:11 Recommends: Personal Stories and Tips
42:49 Closing Thoughts and Future Outlooks
Connect with Evermont Wealth:
25 April 2024, 11:00 am - 43 minutes 11 secondsProtecting Your Assets: Affording Long-Term Care in Retirement (Ep.99)
In this episode of the Retirement Plan Playbook, hosted by Brent Pasqua, Matthew Theal, and Joshua Winterswyk of Evermont Wealth, focuses on affording long-term care in retirement.
The episode begins with casual banter about baseball and moves into more serious topics like the sentencing of Sam Bankman-Fried and the performance and implications of Donald Trump's, “Truth Social” SPAC offering under the ticker symbol DJT.
The core of the show is an extensive look at the considerations, costs, and planning strategies around long-term care, emphasizing the importance of early and informed planning to secure a comfortable and worry-free retirement.
01:19 Baseball Season Banter: Angels' Woes
03:57 Sam Bankman-Fried's Sentence: A Deep Dive into the FTX Saga
09:13 The Trump SPAC and Truth Social: Investment or Political Contribution?
13:48 Navigating Long-Term Care Costs in Retirement Planning
21:08 Exploring Self-Insurance and Out-of-Pocket Care Costs
24:32 Challenges and Trust Issues with Long-Term Care Policies
26:24 Alternative Strategies for Long-Term Care Planning
28:29 Utilizing Home Equity and Other Assets for Long-Term Care
31:44 Creating a Personal Long-Term Care Fund
37:35 Evermont Recommends
Connect with Evermont Wealth:
- [email protected]
- [email protected]
- (909) 296-7977
- Evermont.com
- LinkedIn: Matthew Theal
- LinkedIn: Brent Pasqua
- LinkedIn: Joshua Winterswyk
- LinkedIn: Evermont Wealth
11 April 2024, 11:00 am - 35 minutes 14 secondsRoth IRA vs. Traditional IRA: The Great Debate (Ep.98)
In this episode of the Retirement Plan Playbook, hosts Matthew Theal and Joshua Winterswyk from Evermont Wealth dive into the debate of Roth IRA vs. Traditional IRA. They begin with casual conversations about March Madness, and then transition into hot take headlines including potential TikTok bans and an antitrust suit against Apple.
The core of the episode is dedicated to unraveling the intricacies of Roth and Traditional IRAs, discussing their benefits, limitations, and suitability for different financial scenarios. The hosts also touch upon spousal contributions, the backdoor Roth IRA strategy, and present the new provision allowing 529 plans to be rolled over into Roth IRAs.
The episode concludes with personal recommendations, highlighting the benefits of a new golf club and recommending 'The Gentlemen' on Netflix.
01:28 March Madness and Bracket Bets
03:01 Hot Take Headlines: Federal Reserve and Interest Rates
06:39 Inflation Insights and Economic Theories
11:13 TikTok Ban Controversy: Security vs. Social Media
14:04 Apple's Antitrust Suit: A Tech Giant Under Scrutiny
16:44 The Impact of Apple on the Stock Market
17:28 Apple's Legal Battles and Potential Outcomes
18:43 Retirement Planning Corner: IRA vs. Roth IRA
23:23 The Traditional IRA: An Underutilized Tool
25:06 Navigating Non-Deductible IRA Contributions and Backdoor Roth IRAs
28:39 Maximizing Retirement Savings: Strategies Beyond the 401k
30:08 Final Thoughts and Recommendations
Connect with Evermont Wealth:
28 March 2024, 11:00 am - 44 minutes 42 secondsBeyond the Numbers: Embracing the Lifestyle Shift in Retirement (Ep. 97)
In this episode of the Retirement Plan Playbook, hosts Brent Pasqua, Matthew Theal, and Joshua Winterswyk of Evermont Wealth discuss investment strategies, retirement planning, and current events.
The conversation kicks off with an analysis of the cryptocurrency market's recent bullish trends, particularly highlighting Bitcoin's surge following ETF announcements. The team explores inflation's impact, potential Federal Reserve actions, and the broader implications for investors.
The episode transitions to discuss the cancellation of Apple's ambitious Project Titan car initiative, focusing on the implications for AI development and the challenges of automobile manufacturing.
The hosts also address a potential future where 401k plans could be reevaluated by the government, examining the implications for savers and the overall economy.
Lastly, the episode delves into lifestyle planning for retirement, emphasizing the importance of finding a new purpose, staying socially, physically active, and planning for unexpected scenarios.
The dialogue concludes with personal recommendations and a candid discussion about fast food choices and prices, offering a light-hearted reflection on the accessibility and costs of convenience meals in today's economy.
01:35 The Bitcoin Boom: A Deep Dive into Cryptocurrency Trends
03:31 Inflation and Economic Trends: Navigating the Financial Landscape
07:10 Apple's Project Titan Cancellation: Shifting Focus from Cars to AI
11:58 The Future of 401k Plans: Debunking the Myths
17:03 Beyond the Numbers: Embracing the Lifestyle Shift in Retirement
22:59 Finding Purpose in Retirement
29:11 The Importance of Continuous Learning and Growth
31:21 Financial Planning for Retirement: Preparing for the Unexpected
32:37 Setting Goals and Planning for a Successful Retirement
35:04 Evermont Recommends: Air Fryers, Fast Food, and Birthday Wishes for Brent
Connect with Evermont Wealth:
14 March 2024, 11:00 am - 31 minutes 35 secondsMaximize Your Retirement: The 2024 Guide to Deductible IRA Contributions (Ep.96)
The Retirement Plan Playbook podcast, hosted by Brent Pasqua, Matthew Theal, and Joshua Winterswyk of Evermont Wealth, explores investment strategies, retirement planning, and current events. They aim to equip listeners with insights to build a robust retirement playbook that can adapt to any political or economic climate.
This episode discusses the stock market, interest rates, inflation in relation to the Federal Reserve's decisions, and the influence of tech companies Nvidia and Super Microcomputer on the stock market. They also touch upon a major acquisition by Capital One and delve into the complexities of making deductible IRA contributions.
00:36 Hosts' Casual Conversation and Personal Stories
03:08 Deep Dive into the CPI and Inflation
05:32 Nvidia's Earnings and Impact on the Market
09:03 Super Microcomputer: A New Player in the Market
11:41 Capital One's Acquisition of Discover Card
14:15 Jeff Bezos Selling Amazon Stock: An Analysis
17:33 Understanding IRA Contributions
18:54 The Impact of Roth IRA Contributions on IRA Eligibility
19:37 The Potential of Splitting IRA and Roth Contributions
23:59 Understanding the IRA Contribution Eligibility for Married Couples
27:06 Evermont Recommends: TV Shows and MLS Season
Connect with Evermont Wealth:
- [email protected]
- (909) 296-7977
- Evermont.com
- LinkedIn: Matthew Theal
- LinkedIn: Brent Pasqua
- LinkedIn: Joshua Winterswyk
- LinkedIn: Evermont Wealth
29 February 2024, 12:00 pm - 47 minutes 24 secondsSequence Risk: The Hidden Threat to Your Retirement Plan (Ep.95)
In this episode of the Retirement Plan Playbook, hosts Brent Pasqua, Matthew Theal, and Joshua Winterswyk discuss the concept of sequence risk in retirement planning.
Sequence risk refers to the risk of receiving lower or negative returns early in a period when retirees begin to withdraw money from their retirement funds. They examine how strategies like portfolio diversification, maintaining a bigger cash reserve, and hiring a financial planner can mitigate sequence risk.
Nevertheless, they caution against relying on annuities, as they often yield poor returns.
00:02 Introduction to the Retirement Plan Playbook
02:21 Impact of Southern California’s Rain Storm
03:38 Discussing Federal Reserve Meeting and Interest Rates
09:03 Exploring the Influence of Tech Companies on Economy
13:24 Deep Dive into Sequence Risk and Retirement Planning
23:28 The Impact of Market Downturns on Retirement Portfolios
26:14 Strategies to Mitigate Sequence Risk
28:19 The Importance of Detailed Planning and Clear Communication
28:36 The Fear of Missing Out (FOMO) in Investment Decisions
29:30 The Controversy Surrounding Annuities
34:11 The Role of Financial Advisors in Retirement Planning
35:35 The Importance of Proactive Planning and Review
37:24 The Importance of Tax Planning in Retirement
38:35 Final Thoughts on Sequence Risk and Retirement Planning
40:46 Recommendations and Concluding Remarks
Connect with Evermont Wealth:
15 February 2024, 11:00 am - 41 minutes 16 secondsExploring the 4% Withdrawal Rule (Ep.94)
On this episode of The Retirement Plan Playbook, hosts, Brent Pasqua, Matthew Theal, and Joshua Winterswyk of Evermont Wealth, discuss the 4% withdrawal rule, a guideline that helps to craft a sustainable retirement plan. The rule suggests that retirees can withdraw 4% of their portfolio every year during retirement, adjusting for inflation subsequently, and the portfolio should, theoretically, last for 30 years.
However, the participants emphasize the complexity of the rule and the dynamic nature of the planning based on lifestyle, market conditions, taxes, and unforeseen needs. They also debate the rule’s limitations and potential misapplications, presenting a case for a personalized approach to financial management.
00:02 Introduction to the Retirement Plan Playbook
00:55 Discussion on the 4% Withdrawal Rate
01:41 Super Bowl Excitement and Predictions
04:06 Exploring the New Apple Vision Pro
08:53 Netflix's Entry into Live Sports
12:12 Understanding the 4% Rule for Retirement
21:58 The Bowling Alley Analogy: Guardrails in Financial Planning
22:31 The Importance of Flexibility in Retirement Income Planning
26:34 The Challenge of Conservative Investment and Income Approaches
28:09 The Art of Retirement Planning: Individualizing the Approach
30:33 The Impact of Taxes on Retirement Withdrawals
32:01 The Importance of Regular Financial Review and Planning
35:16 Final Thoughts on the 4% Rule and Retirement Planning
Connect with Evermont Wealth:
1 February 2024, 12:00 pm - 44 minutes 14 secondsRebranding, Market Updates and 2024 Predictions (Ep.93)
In this episode of the Retirement Plan Playbook podcast, Brent Pasqua, Matthew Theal and Joshua Winterswyk, of Evermont Wealth, discusses the company's rebranding in order to build stronger brand recognition and better align with their vision for the future.
The podcast also recaps market trends from 2023. An optimistic year that defied bearish predictions, major indexes like the S&P 500 and the Nasdaq saw returns of over 24 and 43% respectively.
Despite challenges like increased layoffs in a variety of sectors and potential inflation, the overarching strategy remains passive investing. In terms of what could stall the ongoing rally, factors such as increased inflation, economic slowdown, and escalation of global conflicts were identified.
The episode also highlights the approval of Bitcoin ETFs as a revolutionary step which could steer retirement planning in 2024. Brent shares his personal plan to continue building on AI-focused stocks, reflecting a widespread optimism towards AI's future. The episode concludes with some personal anecdotes and well wishes for a great year ahead.
00:01 Introduction and Welcome Back
00:28 Discussing the Rebranding from RPA to Evermont
02:46 The Importance of a Good Company Name
04:00 The Journey to the New Brand Name: Evermont
06:28 The Significance of the New Logo
06:49 Reflecting on the Rebranding Process
08:28 The Impact of the Rebranding on the Company's Future
10:45 Recapping the Market Performance in 2023
12:54 Investing Lessons from 2023
16:23 Investing Trends for 2024
21:02 Favorite Purchases of 2023
23:03 Discussing a Recent Concert Experience
23:38 Sharing Favorite NFL Team Experiences
24:46 Office Remodeling and Family Trip to Disney World
25:47 Reflecting on the Value of Experiences Over Materialistic Purchases
26:50 Predicting Market Trends for 2024
29:58 Changes in Retirement Planning in 2024
34:14 Personal Investment Strategies for 2024
38:50 Anticipated Big Purchases for 2024
42:01 Closing Thoughts and Wishes for a Prosperous Year
Connect with Evermont Wealth:
18 January 2024, 10:20 pm - 46 minutes 56 secondsBull Run: A Deep Dive into the 2nd Quarter Market Surge (Ep.92)
In this episode, we provide a comprehensive review of the financial market's performance over the past quarter.
We begin with a discussion on:
- The significant drop in inflation rates, a key indicator of economic health.
- The Biden administration's decision to resume federal student loan payments, a move that impacts millions of borrowers.
- Nvidia's impressive entry into the $1 trillion market valuation club, a testament to the growing influence of AI.
- Fidelity's filing for a spot bitcoin ETF, a move that could potentially revolutionize cryptocurrency investment.
- Apple's launch of the Vision Pro mixed reality headset, a product that could redefine the tech landscape.
- Soccer legend Lionel Messi's decision to join MLS club Inter Miami.
In our Retirement Planning Corner, we provide an overview of:
- The year-to-date returns of major indices, including the Dow Jones Industrial Average, S&P 500, and Nasdaq Composite.
- Current interest rates, a crucial factor for investors and borrowers alike.
- The state of the stock market, with visuals to illustrate key trends and movements.
We also share our personal investment strategies and financial planning goals, offering insights into:
- Our portfolio management tactics.
- Our approaches to maximizing 401k contributions.
- Our strategies for navigating higher prices and budgeting effectively.
Whether you're a seasoned investor or just starting out, this episode is packed with valuable insights and expert analysis on the latest market trends and financial planning strategies.
Connect with RPA Wealth Management:
19 July 2023, 11:11 pm - 47 minutes 48 secondsThe 5% Interest Solution: How to Make Your Money Work for You (Ep.91)
Are you tired of earning 0% interest on your cash? Do you want to know how to make your money work for you and earn up to 5.00% APY on the cash in your bank account?
In this episode, we will discuss the best ways to earn interest on your cash, even if it's earning 0%. We will cover everything from high-yield savings accounts to CDs to money market funds. So whether you have a little bit of cash or a lot, we have something for you.
Matthew, Brent, and Joshua discuss:
- Matthew's new child!
- The Debt Ceiling Drama.
- Apple's new high yield savings account.
- Strategies for cash that are currently paying 5x the national average in annual interest.
- And more
Resources:
Connect with RPA Wealth Management:
25 May 2023, 8:20 pm - 44 minutes 25 secondsMaintaining Financial Security While Adjusting Your Retirement Goals (Ep.90)
The idea of retiring may seem like a distant dream, but it’s important to remember that it is never too early to start planning for it.
In this episode, RPA Wealth discusses a topic that many soon-to-be retirees are facing: how to maintain financial security in retirement while changing retirement goals.
The current economic climate is forcing many individuals and families to reassess their retirement plans and make necessary adjustments, so how do you go about making these adjustments and how can you tell when the adjustments need to be made in the first place?
Matthew, Brent, and Joshua discuss:
- What steps to take when you want to change a major retirement goal
- How to gauge whether your retirement goals are realistic for your situation
- The different types of retirees: the big spender, the big saver, and the fearful big spender
- The different stages of retirement and how to divide up your savings between them
- And more
Resources:
Connect with RPA Wealth Management:
5 May 2023, 12:27 pm - More Episodes? Get the App
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