Category: IPO
The Surprising Link Between Taylor Swift and Retirement Planning (Ep. 17)

The Surprising Link Between Taylor Swift and Retirement Planning (Ep. 17)

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Are you struggling to find ways to protect your retirement income during market downturns?

Do you know that there’s a surprising connection between Taylor Swift and retirement planning?

In this episode, Tom Selbo discusses the importance of having multiple sources of income during retirement and how we can learn from Taylor Swift’s business model to apply these principles to our own portfolios.

As one of the highest-grossing artists, Taylor Swift has a variety of income streams, from album sales and streaming royalties to merchandise and touring revenue. This diverse range of income sources provides her with a strong financial foundation and protection against market fluctuations.

Tom highlights how retirement investors can apply this same principle to their portfolios by having a mix of passive and active income streams. 

Topics discussed in this episode:

  • The importance of having multiple sources of income during retirement
  • How Taylor Swift’s business model reflects the benefits of a diverse portfolio
  • The different types of investments and assets that can help draw more retirement income and provide protection during market downturns
  • A mix of passive and active incomes that can be included in a retirement portfolio
  • How you can go about identifying and creating different sources of passive income

Tune in to this episode to learn more about how Taylor Swift’s multiple sources of income can inspire retirement investors to create a more diversified portfolio and the benefits that can come with it.

Resources: 

Connect With Tom Selbo:

The content has been made available for informational and educational purposes only.  It is not intended to serve as a substitute for personalized investment advice or as a recommendation or solicitation of any particular security, strategy or investment product.  Always seek the advice of your financial advisor or other financial service provider with any questions you may have regarding your investment planning.

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The Four Phases of Market Volatility (Ep. 16)

The Four Phases of Market Volatility (Ep. 16)

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Market volatility is often feared as a harbinger of financial doom, but let’s not forget that it can also bring incredible opportunities for profit. While it’s true that volatility can lead to a drop in investment value, it can also surge and produce spectacular returns for savvy investors.

In this episode, Tom Selbo explores market volatility and why not all volatility is bad for investors. Tom reveals how the different phases of volatility are perceived from a spending or investment perspective and their influence on investment planning.

Tom discusses:

  • The main phases of market volatility
  • How those different phases impact client spending habits
  • Why selling during a market downturn can decrease investment value
  • The influence of human emotion on investment planning during market volatility
  • And more

Connect With Tom Selbo:

 

The content has been made available for informational and educational purposes only.  It is not intended to serve as a substitute for personalized investment advice or as a recommendation or solicitation of any particular security, strategy or investment product.  Always seek the advice of your financial advisor or other financial service provider with any questions you may have regarding your investment planning.

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Why Roth IRAs Have a Place in Retirement Planning (Ep. 15)

Why Roth IRAs Have a Place in Retirement Planning (Ep. 15)

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You have spent years saving up for retirement. Then you start to take out your retirement income and you have to pay taxes on it. How can you protect your retirement income?

In this episode, Tom Selbo is joined by Chad Broberg, a wealth advisor at Landmark Wealth Management Group, in discussing Roth IRAs, their role in retirement and tax planning, and when you should consider adding them to your plan.

Chad focuses on:

  • What a Roth conversion is
  • Why they are important in retirement planning
  • When clients are most in need of Roth IRAs
  • What clients don’t realize about taxes and how Roth IRAs provide a solution
  • And more

Resources: 

Episode 13 – IRAs vs. Roth IRAs: Delayed Gratification (Ep. 13)

Connect With Chad Broberg:

LinkedIn: Chad Broberg

Connect With Tom Selbo:

About Our Guest:

After teaching middle school math Chad became a wealth advisor in 2001. He is passionate about developing and managing a strategy for his clients in or nearing retirement that allows them to confidently navigate the ups and downs of the stock market and life, so they can truly enjoy the retirement they worked so hard to create.

Chad has earned numerous financial planning industry designations, as well as various awards.  Chad graduated with degrees in Education and Math from Saint John’s University in Collegeville, MN.

The content has been made available for informational and educational purposes only.  It is not intended to serve as a substitute for personalized investment advice or as a recommendation or solicitation of any particular security, strategy or investment product.  Always seek the advice of your financial advisor or other financial service provider with any questions you may have regarding your investment planning.

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Revolutionizing Retirement Planning with the Secure Act 2.0 (Ep. 14)

Revolutionizing Retirement Planning with the Secure Act 2.0 (Ep. 14)

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Unleashing the Next Frontier in Retirement Planning: The Secure Act 2.0 takes center stage. 

Join Tom Selbo as he delves into the exciting changes brought forth by this game-changing piece of legislation. Discover how the Secure Act 2.0 is shaking up the retirement planning world, with a special focus on the two groups who will feel its impact the most: the pre-73 retirees and those with employer-sponsored retirement plans. Get ready to take your retirement planning to the next level!

In this episode:

  • Uncover the Secrets of a Smarter Retirement Plan
  • Explore the fascinating world of retirement planning and the impact of the Secure Act 2.0
  • Discover the game-changing effects of delaying required distributions on the phases of retirement
  • Uncover who benefits from delaying distributions and how
  • Learn about the automatic enrollment of employees in employer retirement plans and its benefits for job changers
  • Get a glimpse into the future of 401(k) plans with the addition of emergency savings accounts
  • And much, much more!

Connect With Tom Selbo:

The content has been made available for informational and educational purposes only.  It is not intended to serve as a substitute for personalized investment advice or as a recommendation or solicitation of any particular security, strategy or investment product.  Always seek the advice of your financial advisor or other financial service provider with any questions you may have regarding your investment planning.

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Adding Bonds To Your Investment Portfolio (Ep.10)

Adding Bonds To Your Investment Portfolio (Ep.10)

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Peanut butter and jelly, minnie and mickey, stocks and bonds, rather some well known duos. Well the first two are easy to understand, the relationship between stocks and bonds can be a bit more complicated. 

In this episode, Tom Selbo will run through the basics of how bonds fit into your investment portfolio and why you need to be aware of what kind of bonds you’re buying.

Tom discusses:

  • Defines what a bond is
  • The types of bonds that are popular
  • The risks with bonds that people aren’t aware of
  • Two reasons bonds become a more important part of your portfolio
  • And more

Connect With Tom Selbo:

The content has been made available for informational and educational purposes only.  It is not intended to serve as a substitute for personalized investment advice or as a recommendation or solicitation of any particular security, strategy or investment product.  Always seek the advice of your financial advisor or other financial service provider with any questions you may have regarding your investment planning.

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Why Wait To Create An Estate Plan? (Ep.9)

Why Wait To Create An Estate Plan? (Ep.9)

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Everyone knows a will is essential in financial planning. So why doesn’t everyone have one? More importantly, how comprehensive is the plan?

In this episode, Tom Selbo dives into estate planning, who needs one and how it benefits the family even while you are living. He also shares stories about families without estate plans and how the government ended up distributing the assets with no will.

Tom discusses:

  • How an estate is passed without a will
  • What a comprehensive estate plan consists of
  • Who benefits from an estate plan
  • When you should start estate planning
  • And more

Connect With Tom Selbo:

The content has been made available for informational and educational purposes only.  It is not intended to serve as a substitute for personalized investment advice or as a recommendation or solicitation of any particular security, strategy or investment product.  Always seek the advice of your financial advisor or other financial service provider with any questions you may have regarding your investment planning.

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Concentrated Investments (Ep.8)

Concentrated Investments (Ep.8)

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What is a concentrated investment? Do you have any?

In this episode, Tom Selbo discusses the problem of having a concentrated investment position and why oftentimes why people don’t consciously choose to. He also explains some common pitfalls when it comes to stocks and real estate. 

Tom discusses:

  • A definition of a common concentrated investment
  • What’s so bad about having one concentrated position
  • Two strategies for approaching a concentrated investment position
  • And more

Connect With Tom Selbo:

  • 408-984-8777

 

The content has been made available for informational and educational purposes only.  It is not intended to serve as a substitute for personalized investment advice or as a recommendation or solicitation of any particular security, strategy or investment product.  Always seek the advice of your financial advisor or other financial service provider with any questions you may have regarding your investment planning.

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Making A Informed Decision On Pension Planning (Ep.6)

Making A Informed Decision On Pension Planning (Ep.6)

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Pensions used to be common, once you retire the company would give you X amount of dollars per month for the rest of your life. As the world has evolved, so have pension plans.

In this episode, Tom Selbo breaks down the pension options and the main consideration to take when planning for retirement with a pension involved. Tom reveals who benefits from pensions and how they fit into retirement plans before and after you pass away.

Tom discusses:

  • The different types of pension withdrawals
  • The role of taxation in deciding how to withdraw pensions
  • How to extend the life expectancy of pension for your spouse
  • Who benefits from the different types of pension withdrawals
  • And more

Connect With Tom Selbo:

Thrivent and its financial professionals do not provide legal, accounting, or tax advice. Consult your attorney or tax professional. Representatives have general knowledge of the Social Security tenets. For complete details on your situation, contact the Social Security Administration.

IMPORTANT: Advisory Person(s) may use proprietary financial planning tools, calculators and third-party tools and materials (“Third-Party Materials”) to develop your financial planning recommendations. The projections or other information generated Third-Party Materials regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Results may vary with each use and over time. Thrivent Advisor Network, LLC and its advisors do not provide legal, accounting or tax advice. Consult your attorney and or tax professional regarding these situations.

This material is provided for informational purposes only and is not intended to be relied upon as a forecast, research or investment advice, and is not a recommendation, offer or solicitation to buy or sell any securities or to adopt any investment strategy. The views and strategies described may not be suitable for all investors. They also do not include all fees or expenses that may be incurred by investing in specific products. Past performance is no guarantee of future results. Investments will fluctuate and when redeemed may be worth more or less than when originally invested. You cannot invest directly in an index. The opinions expressed are subject to change as subsequent conditions vary. Advisory services offered through Thrivent Advisor Network, LLC.

Advisory Persons of Thrivent provide advisory services under a practice name or “doing business as” name or may have their own legal business entities. However, advisory services are engaged exclusively through Thrivent Advisor Network, LLC, a registered investment adviser. Landmark Wealth Management Group and Thrivent Advisor Network, LLC are not affiliated companies. Information in this message is for the intended recipient[s] only. Please visit our website www.landmarkwealth.com for important disclosures.

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Optimizing Your Retirement Income Plan (Ep.5)

Optimizing Your Retirement Income Plan (Ep.5)

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You planned, invested it and it grew. Now it’s time to use those retirement dollars, but just like the accumulation phase, the distribution phase of your assets need a plan.

In this episode, Tom Selbo will give you insight on how he approaches retirement income planning and retirement distribution planning. He also explains the framework for the bucket strategy. 

Tom discusses:

  • Planning your guaranteed income for retirement
  • Guaranteed income vs the best growth for your portfolio
  • Using the bucket strategy as a guaranteed income source
  • And more

Connect With Tom Selbo:

Advisory Persons of Thrivent provide advisory services under a practice name or “doing business as” name or may have their own legal business entities. However, advisory services are engaged exclusively through Thrivent Advisor Network, LLC, a registered investment adviser. Landmark Wealth Management Group and Thrivent Advisor Network, LLC are not affiliated companies. Information in this message is for the intended recipient[s] only. Please visit our website www.landmarkwealth.com for important disclosures.

 

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Taking Your Company Public (Ep. 3)

Taking Your Company Public (Ep. 3)

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Is it time to take your company public in the stock market? 

With the right resources, you can make this jump and could potentially start expanding your business with the help of investors.

In this episode, Tom Selbo talks about how you can take your company public and explains all the potential pros and cons of becoming a publicly traded company. It can be a big adjustment, but it could be just what you need to take your business to the next level.

Tom discusses:

  • What an initial public offering is and why it is so significant
  • Three key things to do if your company decides to go public
  • The potential pros and cons of taking your company public
  • And more

Connect With Tom Selbo:

Thrivent and its financial professionals do not provide legal, accounting, or tax advice. Consult your attorney or tax professional. Representatives have general knowledge of the Social Security tenets. For complete details on your situation, contact the Social Security Administration.

IMPORTANT: Advisory Person(s) may use proprietary financial planning tools, calculators and third-party tools and materials (“Third-Party Materials”) to develop your financial planning recommendations. The projections or other information generated Third-Party Materials regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Results may vary with each use and over time. Thrivent Advisor Network, LLC and its advisors do not provide legal, accounting or tax advice. Consult your attorney and or tax professional regarding these situations.

This material is provided for informational purposes only and is not intended to be relied upon as a forecast, research or investment advice, and is not a recommendation, offer or solicitation to buy or sell any securities or to adopt any investment strategy. The views and strategies described may not be suitable for all investors. They also do not include all fees or expenses that may be incurred by investing in specific products. Past performance is no guarantee of future results. Investments will fluctuate and when redeemed may be worth more or less than when originally invested. You cannot invest directly in an index. The opinions expressed are subject to change as subsequent conditions vary. Advisory services offered through Thrivent Advisor Network, LLC.

Advisory Persons of Thrivent provide advisory services under a practice name or “doing business as” name or may have their own legal business entities. However, advisory services are engaged exclusively through Thrivent Advisor Network, LLC, a registered investment adviser. Landmark Wealth Management Group and Thrivent Advisor Network, LLC are not affiliated companies. Information in this message is for the intended recipient[s] only. Please visit our website www.landmarkwealth.com for important disclosures.



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