Saving With Silverman

Informações:

Synopsis

Weekly investing and financial planning guidance with financial adviser Mark Silverman in Tucson, AZ.

Episodes

  • Universal Truths in Retirement Planning

    16/09/2021 Duration: 09min

    There are certain retirement planning principles that apply to everyone, regardless of who you are, how much money you have when you’re retiring, or where you live. We are going to discuss some of these universal principles and what you can learn from them.      Read more and get additional financial resources here: https://silverman-associates.com/saving-with-silverman-podcast/ep-39-universal-retirement-truths   What we discuss on this episode:  1:00 – Income plan 2:09 – Long-term care 4:06 – Timing the stock market 5:32 – Longevity

  • Why and When to Rebalance Your Portfolio

    02/09/2021 Duration: 08min

    We talk about financial planning all the time, but plans aren’t concrete. You need to have some flexibility as the years pass. Today, we’ll share how to rebalance your portfolio and why it’s important.     Read more and get additional financial resources here: https://silverman-associates.com/saving-with-silverman-podcast/ep-38-why-and-when-to-rebalance-your-portfolio    What we discuss on this episode:  0:47 – Rebalancing 2:04 – How often to rebalance 2:49 – Younger versus older 3:30 – Investment vehicles 4:28 – How long Mark has been doing this work 5:33 – Personal story

  • Facing Your Financial Fears

    19/08/2021 Duration: 08min

    What is your biggest financial fear? There are some very common ones. We’ll explain how to help people address these fears in their retirement plan.   Read more and get additional financial resources here: https://silverman-associates.com/saving-with-silverman-podcast/ep-37-facing-your-financial-fears    What we discuss on this episode:  0:45 – Running out of money 2:17 – Nursing home care 3:18 – Taxes 4:40 – Relying on kids 5:22 – Advisors

  • The Retirement Marathon

    05/08/2021 Duration: 09min

    Getting through retirement can be a lot like running a marathon. We’ll share some of the similarities on this episode so you can make sure you training is on track.   Read more and get additional financial resources here: https://silverman-associates.com/saving-with-silverman-podcast/ep-36-the-retirement-marathon    What we discuss on this episode: 0:53 – Planning and preparation 2:45 – Proper diet 4:13 – Don’t start too fast

  • How to Avoid Emotional Decision-Making with Your Finances

    15/07/2021 Duration: 11min

    On today’s Saving With Silverman podcast, Mark Silverman CFP® explains why you never want to make emotional decisions about your money.   Read more and get additional financial resources here: https://silverman-associates.com/saving-with-silverman-podcast/ep-35-how-to-avoid-emotional-decision-making-with-your-finances    What we discuss on this episode:  1:28 – Types of emotion 3:18 – Mistakes 4:21 – Taking emotions into account 6:25 – Math and emotional needs 8:05 – Introductory phone call

  • Famous Last Words in the Financial World

    01/07/2021 Duration: 10min

    Today we’re talking about famous last words. In the financial world, there are several famous last words that you don’t want to be your last.   Read more and get additional financial resources here: https://silverman-associates.com/saving-with-silverman-podcast/ep-34-famous-last-words-in-the-financial-world    What we discuss on this episode:  0:47 – Keep doing what I’m doing 2:57 – Cash 4:20 – Living past 75 5:34 – Don’t want a nursing home 7:08 – I can always go back to work

  • Social Security Misunderstandings

    17/06/2021 Duration: 08min

    Today we’re talking about Social Security misunderstandings. People are often confused about how it works and how it will work for them.   Read more and get additional financial resources here: https://silverman-associates.com/saving-with-silverman-podcast/ep-33-social-security-misunderstandings    What we discuss on this episode:  0:47 – Going broke 2:12 – Starting Social Security early 2:59 – Delaying Social Security 4:16 – Social Security Administration 4:52 – You don’t have to pay taxes

  • Diversification - What Is It, and Why Do You Need It?

    03/06/2021 Duration: 10min

    On today’s Saving With Silverman podcast, Mark Silverman CFP® explains diversification. Most people we talk with don’t even understand what it is or why it’s important. Some people think it’s just a mutual fund or a ton of different mutual funds.   Read more and get additional financial resources here: https://silverman-associates.com/saving-with-silverman-podcast/ep-32-diversification-what-is-it-and-why-do-you-need-it     What we discuss on this episode:  0:39 – Defining diversification 1:28 – How much emphasis 3:09 – How Mark defines it 4:18 – Too diversified 5:28 – Making portfolios better

  • The Types of Financial Risk

    20/05/2021 Duration: 09min

    On today’s Saving With Silverman podcast, Mark Silverman CFP® explains some of the different types of financial risks that people have in their portfolios and how to be on the lookout for it.   Read more and get additional financial resources here:    What we discuss on this episode:  0:52 – Market risk 2:05 – Interest rate risk 2:58 – Inflation risk 3:57 – Health care risk 5:26 – Longevity risk

  • Don’t Make These Estate Planning Mistakes

    06/05/2021 Duration: 12min

    Some people don’t care about leaving a financial legacy to their family, but for those who do, it’s important to eliminate some of the common estate planning mistakes. We’ll explain what they are.   Read more and get additional financial resources here: https://silverman-associates.com/saving-with-silverman-podcast/ep-30-dont-make-these-estate-planning-mistakes    What we discuss on this episode:  2:35 – Failing to plan for expenses 3:49 – Failing to update beneficiaries 5:12 – Failing to avoid conflict and litigation 6:37 – Transferring real estate 8:06 - Taxes

  • Watch Out for These Weaknesses in Your 401k Plan

    15/04/2021 Duration: 08min

    On today’s Saving With Silverman podcast, Mark Silverman CFP® explains why your 401k is far from perfect as a retirement savings tool. This also applies to your 403b, TSP or 457 plans.   Read more and get additional financial resources here: https://silverman-associates.com/saving-with-silverman-podcast/ep-29-watch-out-for-these-weaknesses-in-your-401k-plan    What we discuss on this episode:  1:00 – Administrative costs 2:10 – Mutual funds 3:34 – Limited asset classes 4:25 – Subpar conservative investments

  • 5 Financial Tips for Your Final Decade of Work

    01/04/2021 Duration: 12min

    The final decade of your working life is crucial to your success in retirement. We’ll explain why you need to know your numbers and how flexibility is key to winning with money.   Read more and get additional financial resources: https://silverman-associates.com/saving-with-silverman-podcast/ep-28-5-financial-tips-for-your-final-decade-of-work    What we discuss on this episode:  1:19 – What’s important? 2:44 – Knowing your numbers 4:40 – Estimate your income streams 6:37 – Health care 8:40 – Be flexible

  • What Are Pensions and Why Are They Not as Popular?

    18/03/2021 Duration: 07min

    Fewer and fewer companies are providing pensions these days. Unless you work for the government or a university, most people don’t have pensions. We’ll explain why they’re no longer very popular.   Read more and get additional financial resources here: https://silverman-associates.com/saving-with-silverman-podcast/ep-27-what-are-pensions-and-why-are-they-not-as-popular    What we discuss on this episode: 0:31 – Fewer companies providing pensions 1:21 – Lack of a pension 2:35 – Pension buyout 3:30 – Planning for inflation

  • Mutual Funds - What Are They and How Do They Work?

    04/03/2021 Duration: 11min

    Mutual funds have long been the most popular way for people to invest, but that landscape is changing. We’ll explain what mutual funds are and the different types.    Read more and get additional financial resources here: https://silverman-associates.com/saving-with-silverman-podcast/ep-26-mutual-funds-what-are-they-and-how-do-they-work    What we discuss on this episode:  1:22 – Clients with mutual funds 2:06 – Expense ratios 3:20 – Loaded mutual funds 5:20 – Tax issues 6:23 – Should mutual funds be eliminated? 7:23 – How often does Mark use mutual funds?

  • What Are Annuities and How Do They Work?

    18/02/2021 Duration: 12min

    There’s a lot of confusion out there about annuities, probably because there are different types that do different things. We’ll explain what they are and how they work.   Read more and get additional financial resources here: https://silverman-associates.com/saving-with-silverman-podcast/ep-25-what-are-annuities-and-how-do-they-work    What we discuss on this episode:  1:55 – Immediate annuity 3:25 – Fixed annuity 4:01 – Variable annuity 5:15 – Fixed index annuity 6:53 – Annuities Mark uses 8:03 – Using annuities to meet financial goals

  • Stages of Retirement Planning

    04/02/2021 Duration: 13min

    This show is all about planning for retirement and making sure you’re doing it the right way so you can have the kind of retirement lifestyle you always dreamed of. Today we’ll share what the stages are.   Read more and get additional financial resources here: https://silverman-associates.com/saving-with-silverman-podcast/ep-24-stages-of-retirement-planning    What we discuss on this episode:  1:30 – 15 years before retirement 3:13 – 10 years before retirement 5:16 – 5 years before retirement 7:21 – The day you retire 9:45 – 5-10 years after retirement

  • What to Know About Taxes in Retirement

    21/01/2021 Duration: 10min

    How much do you know about taxes in retirement? It’s an important topic that can make a major difference in your finances.   Read more and get additional financial resources here: https://silverman-associates.com/saving-with-silverman-podcast/ep-23-what-to-know-about-taxes-in-retirement    What we discuss on this episode:  1:39 – Assuming taxes will be lower 2:52 – Strategies to improve taxes down the road 4:51 – Bad tax mistakes 6:02 – A tax planning strategy that made a difference

  • Things Your Financial Advisor Should Be Doing For You

    07/01/2021 Duration: 10min

    Does your financial advisor look at your tax returns? What about the fees in your investments? We’ll explain how your advisor should be helping you.   Read more and get additional financial resources here: https://silverman-associates.com/saving-with-silverman-podcast/ep-22-things-your-financial-advisor-should-be-doing-for-you    What we discuss on this episode: 0:57 – Reviewing tax returns 2:49 – Evaluating fees and costs in investments 4:00 – Discussing and planning retirement income 6:02 – Clarify target and goal for invested dollars 7:32 – Reviewing family goals and legacy plans

  • Would You Like These Financial Stocking Stuffers?

    17/12/2020 Duration: 12min

    On today’s Saving With Silverman podcast, Mark shares some of his favorite and not-so-favorite financial stocking stuffers.   Read more and get additional financial resources here: https://silverman-associates.com/saving-with-silverman-podcast/ep-21-would-you-like-these-financial-stocking-stuffers    What we discuss on this show:  0:45 – Variable annuity 2:02 – Apple stock 2:43 – High yield bonds 3:30 – Whole life insurance policy 5:08 – S&P 500 Index ETF 5:50 – Indexed annuity 7:40 – Long-term care insurance

  • How To Pick The Right Financial Advisor

    03/12/2020 Duration: 13min

    On today’s Saving With Silverman podcast, Mark explains how to pick the right financial advisor. Find out why you should invest time in this crucial process.   Read more and get additional financial resources here: https://silverman-associates.com/saving-with-silverman-podcast/ep-20-how-to-pick-the-right-financial-advisor    What we discuss on this show: 1:52 – How to find the right advisor 4:37 - Warning signs 5:53 - When an advisor doesn’t fit you anymore 7:29 – Sticking with the wrong advisor for too long 9:12 - What to look for when choosing an advisor

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