Tag: Initial Public Offering
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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IRAs vs. Roth IRAs: Delayed Gratification (Ep.13)

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

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Do you have an IRA or a Roth IRA? What’s the difference?

In this episode, Tom Selbo explains the difference between IRAs and Roth IRAs, and why it might matter to you. He starts off with a fun story about delayed gratification. Tom then applies the lesson from the story to the discussion about the different circumstances where an IRA or Roth IRA is better suited.

Tom discusses:

  • The differences between IRAs and Roth IRAs, and how they work
  • Who should consider a Roth IRA and the rules for one in 2023
  • How he thinks about Roth IRAs from a strategic and optimization standpoint
  • Why you may need a plan when using multiple retirement savings vehicles
  • 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 providers with any questions you may have regarding your investment planning.

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How To Stay Accountable For Your New Year’s Resolutions (Ep.12)

How To Stay Accountable For Your New Year’s Resolutions (Ep.12)

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Most New Year’s resolutions are given up less than a month into the new year. How can you stay accountable to your financial goals?

In this episode, Tom Selbo focuses on sticking to your financial goals in 2023. He shares the importance of having someone else know about your goals, the role of a financial advisor in building your financial goals, and why many people don’t take the step to hire a financial advisor.

Tom discusses:

  • The top eight new year’s resolutions
  • Why financial planning is so important for 2023
  • How to take the first step is staying accountable to your financial goals
  • How financial advisors can take your financial plan to the next level
  • And more

Resources:Wealth Unlocked, Landmark Wealth Management Group, Tom Selbo, Advisor, Initial Public Offering, Financial Planning, New Year Resolution, Investment Planning, Financial Advisor, Financial Goals

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 providers with any questions you may have regarding your investment planning.

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What To Consider When Paying Off Your Mortgage Early (Ep.11)

What To Consider When Paying Off Your Mortgage Early (Ep.11)

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It seems the dream of every homeowner is to pay off their mortgage. But is that the best choice for you?

In this episode, Tom Selbo dives into mortgage payments, when to pay them off and where that same money could be put to better use. He shares general information about paying off your mortgage before, during or after retirement and the risk factors to consider when paying it off.

Tom discuss:

  • The pros and cons of paying off your mortgage early
  • Alternative options for investing money instead of on higher mortgage payments
  • The potential penalties for paying off your mortgage early
  • How age factors into paying off your mortgage early
  • 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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A Way To Utilize The Bucket Strategy (Ep.7)

A Way To Utilize The Bucket Strategy (Ep.7)

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Buckets can hold just about anything, including your investments and savings. 

In this episode, Tom Selbo will help you understand the bucket strategy and how each bucket serves a different purpose for you. With its need specific and purpose driven strategy, you can start planning specifically for your different life goals.

Tom discusses:

  • The most common use of the bucket strategy
  • The multiple purposes you can use each of your buckets for
  • Creating another steady income for yourself using the bucket strategy
  • 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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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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