Financial Strategies

Investing in the stock market can be a smart way to grow your wealth over time. One of the powerful aspects of stock market investing is the potential to receive dividends. Watch the latest Financial Strategies Podcast with Andrew and Daniel Agemy here to learn more!

The old adage, “it's not about timing the market, but about time in the market,” has been proven true over the years.

While it can be tempting to try and avoid the worst days in the market, it's nearly impossible to avoid the worst days and capture the best days. But does time in the market beat market timing?

Find out in the latest Financial Strategies Podcast with Andrew and Daniel Agemy here.

From the medical field to the financial industry, knowledge and experience are detrimental. Listen to the latest Financial Strategies Podcast with Andrew and Daniel Agemy here to learn more.

According to cognitive neuroscientists, we are conscious of only about 5 percent of our cognitive activity, so most of our decisions, actions, emotions, and behavior depends on the 95 percent of brain activity that goes beyond our conscious awareness.

When it comes to retirement planning and wealth management, most people do not possess the necessary knowledge to make optimal savings and investment decisions on "hope" alone. To make informed and tactical decisions when it comes to your golden years, you need ditch the Hopin' Wishin' & Prayin' strategy and adopt a carefully planned, thought out and customized strategy in its place. 

Watch this week's Financial Strategies Podcast with Andrew and Daniel Agemy here to learn more!  

Popular with real estate investors, passive income is often described as “making money while you sleep,” but it's not as easy as you may think. In fact, the most successful passive income ideas are the result of hard work.

Learn how to reap the benefits of passive income to build wealth in the latest Financial Strategies Podcast with Andrew and Daniel Agemy here.

Recessions are tough on everybody. But if you plan to retire during a financial downturn, you may be losing sleep.

Before you throw the towel in, consider these six strategies to protect yourself, your assets, and your retirement. Listen to the latest Financial Strategies show with Andrew and Daniel Agemy here!

CORONAVIRUS AND FINANCES (PDF) https://bit.ly/3PtJqZy SECURE ACT 2.0 REPORT (PDF) https://bit.ly/3R3Rhy1

Whether preparing for retirement or already enjoying it, one thing remains true: You want to make the most of your income and protect it from unnecessary penalties. RMD stands for “required minimum distributions,” which is the amount of money you need to take out annually from a tax-qualified retirement account after you reach a certain age. But did you know that you must take your full required amount, or you could face IRS penalties? Watch the latest Financial Strategies podcast with Andrew and Daniel Agemy here to learn more.

It's no secret the Feds keep hiking interest rates. But what about the interest rates on certificates of deposit (CDs)?

The first step to successful investing is figuring out your goals and risk tolerance. Whatever mix choose, make sure that your decisions are first based on education. Watch the latest Financial Strategies podcast with Andrew and Daniel Agemy here to learn more!

The primary purpose of diversification is to mitigate risk. It involves spreading your investment dollars among different types of assets to help temper market volatility.

But how does it work, and are you diversifying correctly? Listen to the latest Financial Strategies Podcast with Andrew and Daniel Agemy here to learn more.

IMPORTANCE OF FINANCIAL DEFENSE (PDF): https://bit.ly/3YPVmrm

WHY INVESTING IN MUTUAL FUNDS COULD JEOPARDIZE YOUR RETIREMENT PLANS (PDF): https://bit.ly/3sv9muI

There’s not a person in the world who hasn’t heard about Wall Street. It was an epic financial and economic collapse in 2007-2008 that cost many ordinary people their jobs, their life savings, their homes, or all three.

With so much noise coming from Wall Street, it's hard to sift through facts vs fiction. Watch the latest Financial Strategies Podcast with Andrew and Daniel Agemy here to uncover the truth and take back control of your finances.

Having a comprehensive retirement plan is one of the most important ways to help ensure financial freedom. What many Americans don't realize is that, in addition to investing, estate planning is a crucial component of your retirement plan.

Listen to the latest Financial Strategies Podcast with Andrew and Daniel Agemy here to find out more!

America has a retirement savings problem. Will the SECURE Act 2.0 help?  

Find out in the latest episode of this Financial Strategies Podcast with Andrew and Daniel Agemy here!  

IRAs such as 401(k)s offer many benefits for retirement savers. However, alternative investment accounts can offer more flexibility than an IRA, and there are no limits on contributions, withdrawals, or income to fund them.  

Learn the best ways to build your nest egg and dramatically increase returns in the latest Financial Strategies podcast with Andrew and Daniel Agemy here.

Are annuities a safe investment? Unlike stocks and bonds, annuities are insurance products designed to give you guaranteed income in retirement.  

One reason annuities get a bad rap is the confusion over the different types of annuities. Annuities don’t all work the same, and their differences affect their levels of risk. 

Watch the latest Financial Strategies Podcast with Andrew and Daniel Agemy here to find out more!   

What is the gift that keeps on giving? Education.

Education never stops giving. When you learn something, you can retain it for as long as you like.

Education helps you add value to your life, helps you make smarter decisions and sets you up for future success. Find out more on the latest Financial Strategies podcast with Andrew and Daniel Agemy here.

For every investor, the world has become a hard place. But for those reaching retirement, pressure is significantly mounting.

However, a down market should not deter you from reaping the benefits of a fruitful retirement. Listen to the latest Financial Strategies Podcast with Andrew and Daniel Agemy here to help you prepare for your golden years in a volatile market.  

The IRS recently announced a number of changes to retirement savings accounts, social security and tax brackets for 2023. Additionally, the IRS issued technical guidance regarding the cost-of-living adjustments affecting dollar limitations for pension plans and other retirement-related items for the 2023 tax year.

Listen to the full Financial Strategies Podcast with Andrew and Daniel Agemy here to find out more.

Politics. The economy. War. People are under a lot of stress right now. More than we care to think about. 

So how do we start the road to a stress-free retirement under these volatile conditions? It is possible. 

Listen to the latest Financial Strategies podcast with Andrew and Daniel Agemy here to learn more.

Did your 401(k) turn into a 301(k)?

Look at your portfolio; Do you have risk? Do you have adequate diversification? You need a plan in place to deal with the current financial climate.

Listen to this week's Financial Strategies podcast with Andrew and Daniel Agemy here to learn more!

Recent stock market drops have made Roth Conversions more appealing for many. However, you need to weigh the upfront taxes, along with further consequences you may not (yet) be aware of.   

Listen to this week's Financial Strategies Podcast with Andrew and Daniel Agemy to find out more.   

Applying Social Secuirity too early, spending too much too soon, paying more taxes than necessary. What is the biggest mistake a retiree can make? The answer may surprise you.   

Listen to this week's Financial Strategies podcast with Andrew and Daniel Agemy here to find out.

The definition of investing may have changed over time, but one key principal has remained - getting a return on your investment. 

So how do you prepare for today's volatile markets when it comes to investing? With speculation (a crystal ball)  - or with a carefully structured investment plan (contract)? 

Listen to this week's FInancial Strategies Podcast with your hosts: Andrew Agemy in Connecticut, and Daniel Agemy in Colorado here!

Buying a certificate of deposit, also known as a "CD," might be a good choice if you need a specific amount of money to become available at a certain future time, with no risk of losing all of your cash. 

That time should be not too far off rather than years down the road.  

Listen to the latest Financial Strategies Podcast with Andrew and Daniel Agemy here to learn more.   

I bonds are a type of U.S. savings bond designed to protect the value of your cash from inflation.   Even in a rising rate environment like we're in right now, it's not hard to see why these investments are in the spotlight.  

While I bonds can certainly help protect your savings from inflation, that doesn't mean they're right for everyone. 

Listen to the latest Financial Strategies Podcast with Andrew and Daniel Agemy here to learn more.   

Preserving wealth is what our company is founded on. So how can you protect your wealth, and how can you make it grow?

Today we want to go through the good, the bad and the ugly of life insurance. Should you have life insurance? Is it worth the investment?   For life insurance after retirement, you have a number of options depending on your circumstances. 

Listen to this week's Financial Strategies Podcast with Andrew and Daniel Agemy here to learn more.

As we all know and understand, investors get nervous when they see their portfolio value dropping and volatility is in the headlines.   When meeting with clients on the verge of retirement, the most common concern we hear is "I want to protect my principal". 

But in today's economy, we're seeing more and more investors lose out. So when do you admit defeat and move on? Do you "cry uncle" or make strategic moves to build back your savings? Listen to this week's Financial Strategies podcast with Andrew and Daniel Agemy here to learn more.

As the Dow tumbles, America’s prices keep rising. And when you're going to be relying on your savings, watching your investment portfolio drop in value can be tough to stomach.

The Financial Strategies Podcast was created for one key reason: to help people drown out the noise so they can understand the truths in financial planning.   

In Part 1 of our Retirement Confidence Podcast, we talked about how you need advice from a trusted specialist, preferably a Fiduciary. (A Fiduciary must put your best interest above their own. A financial advisor who's a fiduciary has an ethical duty to recommend the best investments for you.)  

Today we're discussing how to further build confidence in your retirement planning by gaining the right tools and strategies to help your money grow.   

How prepared for retirement are you and what influences your level of confidence? Do you have the plan in place to gain retirement confidence through Social Security strategies and investment opportunities? Listen to the latest Financial Strategies Podcast here to learn more.   

Despite the impact of the pandemic that has lasted for over two years, American workers and retirees remain optimistic about living a comfortable retirement.   

Social Security payments grew by 5.9% this year. The biggest cost-of-living adjustment (COLA) in 40 years. Some estimates suggest the COLA could be as high as 11.4% next year as a direct result of surging inflation.  

There are still a lot of misconceptions about this impending benefit boost, and you'll need other/additional means of income to protect your retirement.  Listen to the latest Financial Strategies Podcast with Andrew and Daniel Agemy here to learn more.   

Are we in a recession? Some say we are, others say absolutely not. Wherever we are as a nation, sooner or later, the economy will fall into a recession - because that’s the nature of the economy. 

If you are nearing or already in retirement, how do you protect your hard-earned savings? In other words, how do you "recession-proof" your retirement? 

Find out in the latest Financial Strategies Podcast with Andrew and Daniel Agemy here. 

We all commonly misunderstand what numbers are telling us, and many of us don’t exercise due diligence to sift through the noise and get to the facts.

When it comes to planning for retirement, you need to be extra careful what - and who - you're listening to.   

Learn how to avoid being fooled into money moves that could later derail your retirement in the latest Financial Stratgies show with Andrew and Daniel Agemy here.

Passive income is money you derive from sources other than paid labor; like a rental property for example. Once established, passive income streams in retirement require little time and effort to maintain. But you DO need to put in the work - at least on the front end.

Listen to this week's Financial Strategies podcast with Andrew and Daniel Agemy here as they break down the pros and cons of passive income, and how to decide if it's the right form of wealth building for you.

What would YOU do if you were able to DOUBLE your retirement income? If time is your most valuable commodity, an organic, dependable income stream should be your goal.   Listen to the latest Financial Strategies podcast here to find out more.

What is a goals-based retirement? What does a goals-based approach mean?   

Your goals are unique to your situation in life and depends entirely on your ideal outcomes.  Taking time to ensure a secure and financially stable retirement is essential to enjoying your golden years. In today's Financial Strategies show, Andrew and Daniel explore what a goals-based retirement is and whether it's the right strategy for you and your financial future.   

When you're done watching the show, check out our free educational resources below for your financial planning needs:  

Volatility can fool you.   

These days, investors are facing their share of challenges as stock values swing all over the place. Even if you’re not new to investing, this volatility can be hard to stomach.  

But is it all doom and gloom? You may be surprised to hear you're being fooled. Listen to this week's Financial Strategies podcast with Andrew and Daniel Agemy here to learn more!   

Do you suffer from 401(k) Brain? 

The 401(k) is an incredibly powerful investing tool, and there are plenty of advantages of contributing to this type of account. But despite its many advantages, the downside to investing in a 401(k) is that you typically don't have many investing options; which can be more costly than you might think.

Is your investment strategy stuck on repeat? Listen to this week's Financial Strategies Podcast with Andrew and Daniel Agemy to learn more.