Retirement Plan Playbook

The US just launched strikes on Iran. Oil spiked from $70 to over $120 a barrel. The Strait of Hormuz is shut down. And your portfolio? Brent, Matthew, and Josh break down exactly what the Iran conflict means for your retirement — and why panic-selling might be the riskiest move of all. First up: the oil shock. The guys walk through why crude prices jumped 63% in 10 days, why gas went from $3 to $3.45 nationally (and close to $6 in California), and what that means for everything from supply chains to your grocery bill. Josh pulls in a Landman reference to explain why oil touches every corner of the economy — and why markets got so nervous so fast. Then the conversation turns to the big question every client is asking: should I move to cash? Matthew lays out what history actually tells us about war and markets — stocks have held up better than most people think, thanks to the "war machine" effect on GDP. But this time there's a wrinkle: consumer confidence just hit a 12-year low, unemployment ticked up to 4.4%, and if oil stays elevated, inflation could push back above 3%. The team discusses the stagflation scenario, why the Fed's backward-looking data is making things worse, and what the new Fed chair could mean for rates. The practical segment is where it gets actionable. Brent explains his rebalancing strategy and why he's been sitting on cash since November waiting for this kind of pullback. Josh makes the case for sticking to your plan and not turning off retirement contributions. And Matthew talks Roth conversions — why a market dip could actually be the perfect time to convert at a lower amount. All three share what they're personally doing (or not doing) in their own portfolios right now. The episode wraps with personal updates: Brent's back at Orangetheory and feeling better than he has in two years, Josh just finished Landman Season 2 (perfect timing with the oil talk), and Matt's daughter learned to ride a bike in about an hour using a Guardian balance bike. Timestamps 0:00 — Intro 1:30 — Oil prices spike: what happened and why it matters 3:00 — How oil affects everything (the Landman breakdown) 5:30 — The Strait of Hormuz shutdown and supply chain fears 6:00 — Should you be worried? Time horizon is everything 7:00 — What history says about war and the stock market 10:00 — Will this be a short war? Political dynamics and midterms 11:00 — Stagflation risk: inflation up, jobs down, Fed stuck 12:00 — Recession odds and why Matt's not buying it 13:00 — What we're telling clients right now 14:00 — Rebalancing strategies and sitting on cash 16:00 — Don't panic-sell Trump — the pattern since 2019 18:00 — Why retail investors are calmer than institutions 19:30 — Practical steps: time horizon, bucket strategy, Roth conversions 21:00 — Gold at all-time highs: insurance, not a bet 23:00 — What Brent, Matt, and Josh are doing in their own portfolios 25:00 — Evermont Recommends: Orangetheory, Landman Season 2, Guardian Bikes Key Takeaways Oil spiked 63% in 10 days after the Strait of Hormuz shut down — but markets haven't cratered the way most people expected, and history shows stocks tend to hold up during wartime. The bigger risk isn't the war itself — it's stagflation. If oil stays elevated, inflation could push back above 3% while the labor market weakens. The Fed is behind the curve. Don't panic-sell. Every major correction under this administration has reversed. If your time horizon is 10+ years, stick to your plan. This could actually be a good time to rebalance and consider Roth conversions — converting when the market is down means you convert at a lower amount and benefit more from the recovery. Gold is at all-time highs because of uncertainty, not fundamentals. Keep it to 5-10% of your portfolio as insurance, not a core position. Links & Resources Evermont Wealth: https://evermont.com Call Us: (909) 296-7977 Subscribe & Review on Apple

After a long break from the studio, Brent, Matthew, and Josh are back — and they've got a lot to catch up on. First up: Roth conversions. They're everywhere on social media, and clients are walking in the door asking about them. But should you actually do one? The guys break down when a Roth conversion makes sense, when it doesn't, and why paying the tax bill out of pocket changes the entire equation. Matthew shares a recent client projection that showed a million-dollar difference in inherited wealth — but it's not a slam dunk for everyone. Then the conversation shifts to AI — and it gets real. Brent tells the full story of how he used Claude to negotiate a car purchase entirely through text messages, landing the best price, the best rate, and catching a $3,000 paperwork error the dealership missed. Matthew talks about using AI to analyze his genetics and build a kid-friendly meal plan. And the team discusses how AI is already replacing medical scribes, editing podcasts, and doing the day-to-day work that used to take hours. They also get into the darker side of AI and social media — bots, AI slop, dead internet theory, and why arguing in comment sections might mean you're talking to a computer. The episode wraps with personal updates: Matt's reffing AYSO soccer, Josh's son just started T-ball on the Dodgers, and Brent's savoring his last season as Little League president before his son ages out. Timestamps 0:00 — Intro 1:00 — We're back! What happened and why 4:00 — Roth conversions: When they make sense (and when they don't) 5:00 — The social media hype around Roth conversions 7:00 — Writing a check to the IRS: The real test 8:00 — A million-dollar Roth conversion projection 9:30 — AI beyond ChatGPT: Where things are headed 11:00 — The leap from late 2025 to today 12:30 — How Matthew used AI to refresh the podcast 14:30 — Clients showing up with ChatGPT-generated financial plans 16:00 — AI for meal plans, grocery lists, and travel booking 17:00 — Brent's car negotiation story (using Claude) 21:00 — Human + AI vs. human alone 23:00 — AI in medicine: Scribes replaced, blood work analyzed 25:00 — AI fears vs. AI reality 27:00 — Dead internet theory and AI slop 29:00 — Why companies using AI are actually working more 31:00 — Paid vs. free AI models: Why it matters 33:00 — Personal updates: Kids, sports, and Orangetheory 39:00 — Closing Key Takeaways Roth conversions aren't for everyone — the real question is whether you can afford to write the tax check out of pocket, and whether inheritance planning is a priority for you. AI has leaped past "fix my email" — it can now negotiate, analyze, plan meals, and handle complex multi-step tasks in your daily life. If you're still using the free version of an AI tool, you're working with technology that's 2-3 years behind the paid models. The human + AI combo beats a human alone every time — for now. Social media drove the Roth conversion craze, and the tax cuts ended up getting extended anyway. Links & Resources Evermont Wealth: https://evermont.com Show Notes: https://retirementplanplaybook.com Call Us: (909) 296-7977 Subscribe & Review on Apple Podcasts or Spotify

In this episode of the Retirement Plan Playbook, Brent Pasqua, Matthew Theal, and Joshua Winterswyk break down the biggest tax updates from the newly passed legislation—including enhanced deductions, a new investment account for newborns, and how these changes impact retirees, business owners, and investors. Plus, the team discusses how the market rebounded to all-time highs, what AI is fueling next, and why financial planning is more essential than ever. 📊 Here’s what we cover: 🧾 The SALT deduction cap is back (and higher!)—who benefits and who gets phased out 👴 A new $12,000 deduction for retirees—what to know before you file 🏦 Estate tax exemption locked in at $15M per person—what it means for families 👶 Newborn “Trump Accounts”—seed money from the government, tax-deferred growth, and major flexibility 📈 Why the market is at all-time highs despite volatility, tariffs, and war chatter 📉 Should you rebalance now or keep buying into strength? Plus: Travel tips, TSA pre-check wins, and a debate over Real IDs you didn’t know you needed. 👉 Feeling unsure how this new tax law affects your financial plan? Visit evermont.com to schedule your complimentary consultation.📲 Subscribe and leave a review—it helps more people find retirement advice that actually works.

Despite geopolitical tension, a trade war scare, and inflation noise, the market is holding steady—and the tax landscape just shifted big time. In this episode of Retirement Plan Playbook, Brent Pasqua, Matthew Theal, and Joshua Winterswyk unpack the surprising strength in markets, the economic signals investors should pay attention to, and how the newly passed “Big Beautiful Bill” could reshape retirement and tax planning. 🎯 In this episode: 📰 Middle East conflict & World War III fears – What’s priced in and what’s not 💥 Tariffs fade, markets rebound – Why staying invested is paying off again 📉 Inflation cooling & rate cut signals – Are we heading for stability or slowdown? 🏛️ The “Big Beautiful Bill” – What’s in the tax extension and why it matters 👶 MAGA Accounts (yes, really) – $1,000 for every newborn starting in 2025? 💼 Social Security tax credit workaround – What retirees need to know 📈 IPO fever returns – AI, crypto, and fintech startups are fueling investor excitement Plus, the guys talk about family travel tips, educational vacations, and the value of showing kids real history vs. just poolside relaxation. 👉 Need help adjusting your retirement plan for taxes, market changes, or new legislation? Visit evermont.com to schedule a complimentary consultation with our team. 📲 Subscribe and leave a review to help others discover smart, timely retirement guidance.

Just weeks after the U.S. imposed sweeping tariffs, the market snapped back with one of the biggest rallies in modern history—and if you followed the playbook, you were ready. In this episode of Retirement Plan Playbook, Brent Pasqua, Matthew Theal, and Joshua Winterswyk break down the market rebound, the political pivot, and how diversification, patience, and AI-powered earnings helped investors come out ahead. 📈 Here’s what we cover: 📰 The 90-day tariff pause that sparked a 12% S&P rally 🧠 Why panic-selling during volatility destroys long-term wealth 🌍 International and emerging market stocks—are they still holding up? 🏠 Housing gridlock: Why nobody’s moving, and how to think about real estate today 🤖 AI earnings, job growth, and economic resilience: What’s real and what’s hype? 📊 GDP contraction vs. private investment surge—are we slowing or just adjusting? Plus, we talk about retirement timing, recession fears, and why more people are hitting pause—not on retirement, but on making any decision at all. 👉 If you're unsure how to adjust your portfolio or plan after the tariff chaos, visit evermont.com for a free retirement consultation. 📲 Subscribe and leave a review! It helps others find smart, timely advice for a stronger financial future.

Tariffs are back—and they're not subtle. In this emergency episode of the Retirement Plan Playbook, Brent Pasqua, Matthew Theal, and Joshua Winterswyk break down the sudden and aggressive return of U.S. tariffs, the economic chaos they’ve already triggered, and how investors should respond. From market drops to rising prices, supply chain shakeups, and a looming recession, the guys unpack it all—with sharp insight, strong opinions, and real strategies for staying on track. 📉 Here’s what we get into: 🚨 Trump’s tariff shock: What was announced and why it blindsided markets 📈 Are we already in a recession? Larry Fink thinks so 🧾 Tariffs = Taxes: What this means for U.S. consumers and businesses 🛠 Can manufacturing come back to the U.S.—or is that just a fantasy? 🔁 What investors should (and shouldn't) do right now: rebalancing, tax-loss harvesting, cash management 💣 How this could affect the election, Congress, and Powell’s next move This episode is your full breakdown of what just happened, why it matters, and how to respond with a level head. 👉 Need help navigating this storm? Visit evermont.com to schedule a complimentary consultation. 📲 Subscribe and leave a review to stay informed—and stay ready.

In this episode of the Retirement Plan Playbook, Matthew Theal and Joshua Winterswyk cover the spring 2025 financial landscape—from filing taxes to hot market trends like gold, Chinese stocks, and AI IPOs. Whether you’re wrapping up your return or wondering where to invest next, this episode offers clarity in a time of questions. 📊 Here’s what we cover: 🧾 Tax season tips – What you can still do before the deadline 📈 High interest savings & unexpected tax bills – Why you might owe this year 🔒 Proactive tax planning for 2025 – Reduce next year’s bill by starting now 🪙 Gold & Chinese stocks – Flash in the pan or a long-term play? 🌍 The return of international markets – Is diversification finally paying off? 🚀 AI IPO excitement – CoreWeave is going public... is the window opening? Plus, we debate, investing psychology, Disney vs. California Adventure, and which streaming shows are dominating right now. 👉 Want to make 2025 your most financially confident year yet? Visit www.evermont.com to schedule your complimentary consultation. 📲 Subscribe & leave a review! Stay informed and stay in control of your financial future.

In this episode of the Retirement Plan Playbook, Brent Pasqua, Matthew Theal, and Joshua Winterswyk tackle the latest market pullback and what it means for investors. Is this a normal correction, or are we headed for something bigger? More importantly—what should you do (or NOT do) right now? 🔍 Here’s what we cover: 📉 Why the market is down & what’s fueling volatility 🧠 Investor psychology – How emotions impact your financial future 🔥 Is this a buying opportunity or time to pull back? 📊 Historical trends – How does this market drop compare to past corrections? 🏡 Housing market debate – Will interest rate cuts push home prices up or down? Plus, we discuss political influences, tariffs, and the latest AI-powered tools reshaping the financial landscape. 👉 Nervous about the market? Now is the time to review your strategy. Visit www.evermont.com for a complimentary consultation. 📲 Subscribe & leave a review! Stay informed, stay invested, and keep your retirement plan on track.  

In this episode of the Retirement Plan Playbook, Matthew Theal and Joshua Winterswyk break down the biggest financial concerns shaping 2025. With economic shifts, political changes, and market volatility, investors are growing increasingly nervous—so what does it all mean for your portfolio and retirement plan? 🔍 Here’s what we cover: 📉 Stock market turbulence – Why are markets reacting so sharply to new policies? 💰 Government spending cuts & layoffs – How is Washington impacting job security? 🔎 Social Security fraud uncovered – A shocking look at where taxpayer dollars are going 🏦 Recession fears & interest rate cuts – Is the Federal Reserve about to pivot? 🤖 AI’s role in the economy – Will automation create more job losses or new opportunities? Plus, we discuss the importance of reassessing your investment strategy, how to prepare for uncertainty, and why now might be a great time to rebalance your portfolio. 👉 Feeling uncertain about your retirement strategy? Visit www.evermont.com for a complimentary consultation. 📲 Subscribe & leave a review! Stay ahead of the market and your financial future with expert insights every week.

In this episode of the Retirement Plan Playbook, Brent Pasqua, Matthew Theal, and Joshua Winterswyk explore whether 2025 is shaping up to be one of the best years to retire. With strong market performance, rising Social Security benefits, and the continued evolution of AI, this year presents unique opportunities—and challenges—for those considering retirement. What we cover in this episode: 🔥 Market momentum & economic stability – Is now the right time to retire? 💰 The impact of inflation & government spending cuts – How does it affect retirement income? 🏡 Housing & mortgage trends – Should you sell or stay put? 🧠 AI & workplace shifts – Will AI change the job market and influence retirement decisions? 📉 Windfall Elimination Provision changes – How will it impact government pension holders? Plus, we discuss: 🎤 Golf tournament experiences & Super Bowl reactions 🍔 AI-powered recipe searches & the future of tax filing automation ⚡ Tech recommendations, including air fryers & must-have gadgets for parents 👉 Thinking about retiring or optimizing your financial plan? Visit www.evermont.com for a complimentary consultation. 📲 Subscribe & leave a review! Stay ahead in your retirement journey with expert insights, real-world strategies, and engaging financial discussions.

In this episode of the Retirement Plan Playbook, Brent Pasqua, Matthew Theal, and Joshua Winterswyk dive into what 2025 has in store for the economy, markets, and retirement planning. From navigating California’s devastating wildfires to discussing inflationary trends and the impact of AI on technology and investments, this conversation is packed with timely insights and actionable advice. Here’s what we cover: The aftermath of California wildfires: Community impact and recovery challenges Inflation concerns, interest rates, and their effect on retirement planning 2025 market outlook: Why experts are optimistic despite volatility AI as a driver for innovation and market growth: Is it the “new internet moment”? Trade, tariffs, and the new administration’s impact on market trends Plus, we share personal health tech tips, investment strategies, and predictions for the year ahead. If you’re looking to stay ahead in your retirement planning and understand the forces shaping this year’s economy, this episode is for you. Contact Us: 📞 Call us at 909-296-7977 🌐 Visit www.evermont.com for a complimentary consultation Don’t forget to subscribe and leave a review. Let us help you build a better future, one episode at a time.

In this final episode of 2024, Brent Pasqua and Matthew Theal take a reflective dive into the major events and financial highlights of the year. From top year-end planning strategies to the evolution of AI and its impact on finance, this episode is packed with actionable advice and thought-provoking discussions. They also share personal anecdotes, client success stories, and exciting plans for 2025. Tune in for insights that will help you close out the year strong and set the stage for success in the year ahead! Timestamps: [00:00:00] Welcome and End-of-Year Announcements [00:02:00] The Claremont Wine Walk: A Community Engagement Highlight [00:05:00] Year-End Financial Planning Strategies Maxing out 401(k) contributions Tax loss harvesting tips [00:11:00] Rebalancing Your Portfolio and Taking RMDs [00:13:00] The Importance of Updating Your Estate Plan [00:14:00] The Case for Gifting: How to Share Wealth Strategically [00:16:00] Reflecting on 2024: Market Trends, AI, and Political Events [00:24:00] Financial Lessons from Elon Musk and Technological Breakthroughs [00:27:00] Bitcoin and Crypto in 2024: ETF Approval and Market Growth [00:28:00] Cancer Vaccine Innovations: A Look at Biotech Progress [00:32:00] Family and Gift Ideas: What’s Hot This Holiday Season [00:41:00] Closing Remarks and New Year Wishes Thank you for joining us throughout 2024. We’ll be back in 2025 with more insights, strategies, and exciting new content! Happy holidays! Resources Mentioned: Evermont Wealth Website: www.evermont.com Complimentary Consultation: Call us at (909) 296-7977 Learn more about retirement planning at retirementplanplaybook.com Don’t forget to subscribe to The Retirement Plan Playbook for more expert financial insights and actionable strategies.

In this episode of The Retirement Plan Playbook, Brent Pasqua, Matthew Theal, and Joshua Winterswyk of Evermont Wealth take you on a comprehensive journey through the world of financial planning, the current stock market landscape, and the evolving role of Bitcoin as an investment asset. Key topics include: Stock Market Trends: Insights into the S&P 500’s performance and strategies for managing portfolio gains as the year wraps up. Bitcoin’s Bull Run: A detailed discussion about Bitcoin’s historic rise, its growing institutional backing, and how it could fit into your investment strategy. Rental Properties vs. Bonds: Why traditional rental property investments might not make sense in today’s market and how Treasury Bills offer an alternative for steady returns. Year-End Tax and Rebalancing Strategies: Practical tips for rebalancing your portfolio, taking profits, and preparing for tax season. Personal Insights: Fun anecdotes from the hosts, including Brent’s journey as a new “dog dad” and tips for holiday decorations. Whether you're a seasoned investor or just starting to plan for retirement, this episode is packed with valuable advice and actionable tips to help you navigate today’s complex financial landscape. Key Quotes: “When you see new market highs, it's not a reason to sell—it's often a reason to buy.” “Bitcoin is evolving into a legitimate financial asset, akin to digital gold.” “The math just isn’t adding up for rental properties in this market.” Resources Mentioned: Evermont Wealth Website: www.evermont.com Complimentary Consultation: Call us at (909) 296-7977 Learn more about retirement planning at retirementplanplaybook.com Don’t forget to subscribe to The Retirement Plan Playbook for more expert financial insights and actionable strategies.

In this episode, Brent, Matthew, and Joshua dive into the 2024 election results and discuss how the political changes may impact financial markets, investment strategies, and retirement planning. From analyzing tax implications to exploring market shifts, they offer insights to help listeners make sense of the evolving financial landscape. [00:01:00] Introduction to the Election and Market Sentiment The team discusses initial reactions to the election results. Observations on the impact of leadership changes on investor confidence. [00:04:30] Polling Surprises and Election Trends A look at surprising poll results and prediction markets. Analysis of how the election outcomes differ from expectations. [00:08:00] Financial Market Response: Stocks, Banks, and More Insight into why bank stocks surged post-election. Sectors that may benefit from policy shifts, including banking, value stocks, and technology. [00:15:00] Potential Tax Changes and Policy Shifts How anticipated changes in tax policies could impact portfolios. Estate tax discussions and the broader implications for high-net-worth individuals. [00:20:00] Key Concerns: Inflation, Tariffs, and Economic Growth Discussion on possible inflation trends and tariff impacts. Exploring potential inflation control strategies and how they could affect future markets. [00:28:00] Closing Thoughts and Market Outlook Brent, Matthew, and Joshua provide their final takes on the election’s long-term implications. What investors should consider in their financial plans amid these political changes. 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

In this episode, the hosts dive deep into the importance of gifting and inheritance strategies. They explore how families can effectively transfer wealth, minimize tax burdens, and create meaningful impact through well-timed gifts. They also discuss the psychological and emotional aspects of giving and how to approach conversations around wealth transfer with loved ones. Key Topics Covered: World Series Discussion The hosts kick off the show with a light discussion about the Dodgers’ return to the World Series and how baseball brings joy and nostalgia. Negativity and Financial Media Brent, Matthew, and Josh discuss the pervasive negativity in both the media and in personal financial perspectives, particularly how clients often assume the worst, even when their portfolios are doing well. Gifting and Generational Wealth Transfer The conversation shifts to the main topic: gifting. The hosts discuss the emotional reluctance many older clients feel when it comes to gifting money to their children, and how families often struggle with the idea of wealth transfer. Strategies for Effective Gifting The hosts explain strategies to minimize taxes when gifting, including gifting shares with low-cost bases to children in lower tax brackets. They also highlight the benefits of front-loading 529 plans for education savings. Encouraging Gifting as a Positive Legacy Brent emphasizes the importance of not only gifting financially but also creating shared experiences. He encourages older generations to consider family vacations or experiences while they’re still able to enjoy them together. How to Start Conversations Around Gifting Joshua raises the point that families often don’t communicate enough about finances, which can lead to missed opportunities. The hosts offer advice on how to initiate these important discussions with parents or grandparents. Practical Gifting Examples and Financial Planning Insights Real-life examples of clients who have successfully used gifting strategies are discussed. The team also explains how to integrate gifting into an overall financial plan without disrupting the retirement lifestyle of the giver. Wrap Up and Recommends The hosts wrap up the show with a positive message about the benefits of well-planned gifting, both financially and emotionally. They also share their personal recommendations, including holiday lights and technology tips. 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

Hosts Brent, Matthew, and Josh introduce the show, focusing on investment strategies, retirement planning, and current events. They discuss the importance of adaptability in volatile times, especially during political and economic uncertainty. [00:01:00] - Social Media and Distractions - The team discusses the distractions of social media platforms like Facebook, Instagram, and TikTok, highlighting how modern social media can clutter your life and be a source of misinformation.  [00:03:30] - Political Events and Market Volatility - Discussion about the recent dock strike, unrest in the Middle East, and how these geopolitical events spooked the market. - Impact on oil prices and how the market reacts to major global events.  [00:07:00] - Election Talk: Trump vs. Harris - The team dives into the upcoming election, debating whether the election results will have significant effects on the market. - Mention of Vegas odds favoring Trump by 3%, followed by speculation on how political changes could impact future market performance. [00:10:30] - Does Politics Really Affect the Market? - Brent and Matthew share historical data on how the market performs under Democratic versus Republican presidencies. - Key stat: Staying invested through different political regimes yields better long-term results than trying to time the market based on elections.  [00:14:00] - How Presidents Impact Market Performance - Analysis of market performance under different presidents, including Bush, Obama, Clinton, and Reagan. - Discussion on how long it takes for presidential policies to affect the market and how much control a president really has over economic outcomes.  [00:19:00] - Volatility Before and After Elections - The hosts discuss how volatility spikes before elections, especially in September and October, and how markets tend to calm down after elections through Inauguration Day.  [00:21:00] - Diversification and Safe Haven Assets - The team stresses the importance of maintaining a diversified portfolio during times of uncertainty, with safe haven assets like gold and treasury bonds being key components. - Matthew's take on investing in gold, and whether physical gold or gold ETFs are better options.  [00:26:00] - Thematic and Political ETFs - The hosts introduce the concept of political and thematic ETFs, where you can invest in companies based on states or political ideologies, like the Texas-only ETF. - Insight into how political themes can influence stock performance and fund creation. [00:30:00] - Election Investment Strategies - Josh shares practical strategies for navigating election-related uncertainty, such as staying diversified, investing in safe havens, and adjusting portfolio allocations as needed.  [00:33:00] - Betting on States: Texas vs. California - Fun debate on which states would be better for long-term investment, particularly with many companies leaving California for Texas.  [00:35:00] - The Role of Behavioral Investing - The team discusses how investing behaviorally, with moves like allocating 5-10% of portfolios into gold or state-based funds, can psychologically relieve concerns during election periods.  [00:36:00] - Wrapping Up: Diversification is Key - Final thoughts on the importance of staying invested and diversified through elections, global crises, and market volatility. 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  

Join the team from Evermont Wealth as they take you behind the scenes of the Future Proof Conference, the largest gathering of financial advisors and FinTech leaders. Hosted by seasoned financial planners Brent Pasqua, Matthew Theal, and Joshua Winterswyk, this episode delivers key insights on the latest advancements in AI, wealth management technologies, and strategies for staying ahead in a rapidly changing world. [00:00] - Introduction: Hosts Brent, Matthew, and Joshua introduce the episode and discuss the Future Proof Conference. [00:01:30] - Overview of the Future Proof Conference: Importance of the event and its focus on cutting-edge FinTech. [00:02:30] - The Conference Experience: The beachside location and ease of attending close to home. [00:03:30] - Major Themes: AI advancements, new technologies, and tools for financial advisors. [00:05:00] - Networking and Learning from Vendors: Value of in-person meetings with vendors and its impact on client services. [00:06:00] - Notable Speakers: Insights from key industry figures like Jeffrey Gundlach and Dan Ives. [00:08:30] - The Role of Technology and AI: AI's role in wealth management over the next 2-3 years. [00:10:00] - Recap of Key Speakers: Takeaways from prominent speakers and their contrasting views. [00:12:00] - CNBC Moment: Brent shares a personal story of being on CNBC during the live broadcast. [00:14:00] - Financial Markets & Federal Reserve: Discussion on interest rate cuts and their impact. [00:16:30] - Real Estate and Bond Markets: The impact of rate cuts on real estate and bond markets. [00:22:00] - Apple Event Recap: Reflections on Apple's latest iPhone and AI features. [00:29:00] - Purchasing an iPhone: Best practices for buying a new iPhone. [00:33:00] - Annuities: Pros, cons, and how annuities are often mis-sold. [00:39:00] - Final Thoughts on Annuities: Appropriate uses for annuities and warnings on aggressive sales tactics. [00:42:00] - Recommendations of the Week: Joshua recommends upgrading to the new iPhone; Brent suggests adding electrolytes for hydration, Matthew suggest Camphor. 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

In this episode of the Retirement Plan Playbook, hosts Brent Pasqua, Matthew Theal, and Joshua Winterswyk discuss Kamala Harris tax proposal, stock market seasonality and changes to interest rates. The episode wraps up with a conversation about NFL season, a recent breakfast event for nurses, and product recommendations. 00:37 Hawaii Vacation Recap 05:25 Unexpected Apple Charges 13:28 Kamala Harris's Capital Gains Proposal 20:58 Seasonal Trends in the Stock Market 25:22 Federal Reserve Rate Cuts 27:53 Financial Planning Breakfast Event 30:02 NFL Season Predictions 31:13 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

In this episode of the Retirement Plan Playbook, hosts Brent Pasqua, Matthew Theal, and Joshua Winterswyk delve into the complexities of the current stock market drop and its implications for the rest of the year. They analyze the recent market volatility, discussing the significant events such as an assassination attempt on Donald Trump, Biden's drop from the race, and the Japanese market crash. The trio offers comprehensive insights into how these factors contribute to market fluctuations and provide strategies on handling investments during such turbulent times. Additionally, the episode touches on global market interconnections, upcoming potential rate cuts by the Federal Reserve, and the importance of diversification to mitigate risks. The discussion also includes lighter moments, reflecting on the Olympics, LA's future host status, and personal recommendations for a well-rounded lifestyle. 01:06 Olympics Recap and Personal Reflections 04:52 Market Volatility and Economic Concerns 07:31 Tech Sector Analysis and Future Outlook 16:27 Federal Reserve's Rate Cut Speculations 16:49 Market Reactions and Economic Data 19:08 Investor Strategies Amidst Economic Uncertainty 19:54 Global Market Impacts and Diversification 22:09 Understanding the Yen Carry Trade 23:39 Managing Emotions and Market Timing 30:00 Market Recovery and Election Year Trends 30:37 Personal Recommendations and Final Thoughts 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

In this episode of the Retirement Plan Playbook, financial planners Matthew Theal and Joshua Winterswyk from Evermont Wealth discuss the importance of teaching children about money. They provide practical tips for instilling financial literacy at different ages—from toddlers to adult children. The episode also touches on current market events, including the implications of a recent software crash by CrowdStrike and rising past due credit card balances. The hosts emphasize the importance of building emergency funds, understanding credit, and starting retirement savings early. Additionally, they recommend watching the Olympics Gold Zone and a trip back to the movies with 'Twisters.' 00:00 Catch-Up and Personal Updates 01:19 Introduction to the Retirement Plan Playbook 02:17 Teaching Kids About Money 03:32 Olympics 05:06 CrowdStrike Incident 08:28 Credit Card Balances and Economic Concerns 09:54 Stock Market Update and Political Uncertainty 12:53 Financial Literacy for Kids 18:44 Teaching Kids About Money: Allowance and Savings 19:03 Bank Visits and Financial Literacy for Preteens 20:41 Understanding Credit and Taxes for Teens 23:54 Gamifying Financial Education for Kids 26:21 Financial Planning for Adult Children 31:44 Saving and Retirement Planning 35:07 Evermont Recommends: Entertainment and More 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

In this episode of Retirement Plan Playbook, host Brent Pasqua and Matthew Theal delve into the significance of creating a personal investment philosophy. They discuss key elements such as risk tolerance, goals, and time horizons while sharing their own investment strategies. The hosts also review the latest financial headlines, including the implications of the Consumer Price Index drop and Costco's membership fee hike. They emphasize the importance of consulting a financial advisor for portfolio management and offer practical tools and tips for researching investments. 00:22 Summer Plans and Personal Updates 01:43 Hot Take Headlines: Consumer Price Index and Fed Rate Cuts 05:38 Costco Membership Fee Increase 07:06 Creating Your Personal Investment Philosophy 08:55 Investment Strategies and Risk Tolerance 17:34 The Importance of Staying Invested 27:38 RPA Recommends: Social Media and AI Tools 31:11 Closing Thoughts and Contact Information   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

In this episode of the Retirement Plan Playbook, hosts Brent Pasqua and Matthew Theal of Evermont Wealth delve into comprehensive retirement planning and investment strategies. The discussion addresses crucial questions about how much money is needed to retire comfortably. They analyze market trends, such as the performance of major stock indices, the impact of emerging technologies like AI, and the fluctuations of stocks like Nvidia, Apple, and Tesla. The team also explores essential factors affecting retirement savings, including retirement age, lifestyle choices, health considerations, and income sources. They offer tools and strategies like the 4% withdrawal rule and online calculators to help predict and achieve retirement goals. 00:37 Hosts Introduction and Episode Overview 01:23 Political Commentary and Debate Discussion 05:05 Market Update 09:39 Tesla's Comeback and Future Prospects 12:38 Retirement Planning Corner: What's Your Number? 21:13 Planning for Lavish Retirement Trips 22:39 Healthcare Costs in Retirement 24:33 Income Sources in Retirement 26:25 Calculating Your Retirement Number 28:33 Using Online Calculators and Advisors 30:32 Personal Retirement Goals 34:20 Recommendations and Plugs 38:49 Conclusion and Final Thoughts 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

In this episode of the Retirement Plan Playbook, hosts Brent Pasqua, and Matthew Theal discuss various aspects of retirement planning and investment strategies. They delve into the importance of tax-efficient bucket and distribution planning to minimize taxation during retirement. The conversation includes a thorough discussion on managing short-term, mid-term, and long-term investment buckets. They also discuss the impact of interest rates on the economy, and the latest advancements in AI technology with Apple's new features 00:00 Introduction 02:02 The Importance of Updating Beneficiaries 03:28 CPI Updates and Federal Reserve Insights 08:44 Apple's WWDC 24: New AI Features 15:51 Retirement Planning Corner: Bucket Strategy 23:23 Choosing the Right Investments for Each Bucket 24:06 Managing Emotions and Trusting the Process 24:54 Tax Efficiency in Bucket Strategy 27:24 The Importance of Having Multiple Buckets 32:46 Distribution Planning and Roth Conversions 35:14 Simplifying Bucket Planning 37:16 Evermont Recommends: Entertainment and Style Tips 40:13 Conclusion and Contact Information 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

In this episode of the Retirement Plan Playbook, hosts Brent Pasqua, Matthew Theal, and Joshua Winterswyk from Evermont Wealth dive into smart money-saving strategies and discuss the importance of budgeting amidst rising inflation. They also provide insights into the current stock market, including Nvidia's 10-for-1 stock split and the SEC's shift to a T+1 settlement cycle. Additionally, the hosts share personal anecdotes on reducing expenses and discuss the significance of consumer sentiment polls in shaping economic viewpoints. The episode aims to equip listeners with practical financial advice for navigating economic complexities and optimizing their retirement plans.   00:39 Smart Money Saving Strategies 01:37 Little League Triumphs and Lessons 03:14 Nvidia's Stock Split 07:16 SEC's New Settlement Cycle Rule 11:08 American Economic Sentiment and Media Influence 17:44 Retailers Cutting Prices Amidst Inflation 22:39 Understanding Inflation and Budgeting Strategies 25:16 Tackling Major Expenses 26:11 Reevaluating Monthly Subscriptions 28:32 The Convenience of Online Shopping 33:19 Smart Utility Savings 35:00 Negotiating Service Contracts 38:45 Recommendations 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

The 'Retirement Plan Playbook' podcast, hosted by Brent Pasqua, Matthew Theal, and Joshua Winterswyk of Evermont Wealth, provides a deep dive into investment strategies, retirement planning, and current events to help listeners build a robust retirement playbook. In this episode, they focus on the basics of retirement planning, including 401k contributions, the impact of inflation, and understanding Social Security benefits. They also discuss the significance of adjusting investment strategies over time and the importance of consulting with a certified financial planner for a customized retirement plan. Additionally, they touch on Netflix securing NFL rights, strategies for saving money in a high inflation environment, and share their personal recommendations on Evermont Wealth hats and merchandising. 02:06 The Roast of Tom Brady: A Hilarious Recap 05:12 Navigating Inflation and Money-Saving Tips 12:22 Netflix's Strategic Moves in Sports Broadcasting 16:48 Netflix's Content Strategy vs. Competitors 17:08 Diving Into Retirement Planning: The Basics 17:20 Maximizing Your 401k: Strategies and Tips 24:08 Investment Strategies: Stocks, Bonds, and Beyond 28:23 Understanding Social Security Benefits 34:05 Evermont Wealth's Merchandise Talk 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

Hosted by Brent Pasqua, Matthew Theal, and Joshua Winterswyk of Evermont Wealth, the Retirement Plan Playbook podcast delves into investment strategies, retirement planning, and current events to help listeners develop a comprehensive retirement plan. The episode opens with personal anecdotes from the hosts, before moving on to discuss the three phases of retirement planning in detail, including the preparation, transition, and enjoyment phases. Additionally, the episode covers hot topics such as Dave and Buster's introducing digital betting, the Federal Reserve's decision to keep interest rates unchanged, and controversial aspects of Biden's capital gains tax proposal. The hosts emphasize the importance of early preparation for retirement and provide insights into financial planning, investment decisions, and the balance between saving and spending in retirement. 00:52 Casual Conversations: Sleepless Nights and Family Life 02:21 Dave and Busters' New Digital Betting Service: A Game Changer? 06:08 Federal Reserve's Latest Moves and Market Reactions 08:27 Biden's Capital Gains Tax Proposal: A Potential Economic Impact 14:06 Navigating the Prepare Phase of Retirement Planning 25:05 Transitioning to Retirement: Strategies and Considerations 32:23 Enjoying Retirement: Planning for the Golden Years 38:30 Final Thoughts and Recommendations 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

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:  [email protected] [email protected] (909) 296-7977 Evermont.com LinkedIn: Matthew Theal LinkedIn: Brent Pasqua LinkedIn: Joshua Winterswyk LinkedIn: Evermont Wealth

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    

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:  [email protected] [email protected] (909) 296-7977 Evermont.com LinkedIn: Matthew Theal LinkedIn: Brent Pasqua LinkedIn: Joshua Winterswyk LinkedIn: Evermont Wealth

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:  [email protected] [email protected] (909) 296-7977 Evermont.com LinkedIn: Matthew Theal LinkedIn: Brent Pasqua LinkedIn: Joshua Winterswyk LinkedIn: Evermont Wealth

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  

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:  [email protected] (909) 296-7977 Evermont.com LinkedIn: Matthew Theal LinkedIn: Brent Pasqua LinkedIn: Joshua Winterswyk LinkedIn: Evermont Wealth

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:  [email protected] (909) 296-7977 Evermont.com LinkedIn: Matthew Theal LinkedIn: Brent Pasqua LinkedIn: Joshua Winterswyk LinkedIn: Evermont Wealth

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:  [email protected] (909) 296-7977 Evermont.com LinkedIn: Matthew Theal LinkedIn: Brent Pasqua LinkedIn: Joshua Winterswyk LinkedIn: Evermont Wealth

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:  [email protected]  (909) 296-7977 RPA Wealth Management LinkedIn: Matthew Theal LinkedIn: Brent Pasqua LinkedIn: Joshua Winterswyk LinkedIn: RPA Wealth Management

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:  [email protected]  (909) 296-7977 RPA Wealth Management LinkedIn: Matthew Theal LinkedIn: Brent Pasqua LinkedIn: Joshua Winterswyk LinkedIn: RPA Wealth Management

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: Retirement Plan Playbook: Should You Be Buying A House Right Now? (Ep.89) Connect with RPA Wealth Management:  [email protected]  (909) 296-7977 RPA Wealth Management LinkedIn: Matthew Theal LinkedIn: Brent Pasqua LinkedIn: Joshua Winterswyk LinkedIn: RPA Wealth Management

The state of the housing market continues to evolve, but one question Americans keep asking themselves remains constant: Should I be selling or buying a home right now? In this episode, RPA Wealth delves into the state of the housing market in California and how interest rates are affecting it. The episode begins with an overview of the current state of the housing market and a discussion about what is contributing to the high demand for housing. Matthew, Brent, and Joshua discuss: How to find out if right now is a good time to be buying or selling your house  What some Californians have been doing in response to the housing market and interest rates Why they think a “credit crunch” could be foreseeable for the American population Strategies to avoid making the mistake of settling for the wrong house And more Resources: Retirement Plan Playbook: Our Take On The Silicon Valley Bank Issue (Ep. 88) Retirement Plan Playbook: The Looming Recession’s Impact on Retirees (Ep. 65)   Connect with RPA Wealth Management:  [email protected]  (909) 296-7977 RPA Wealth Management LinkedIn: Matthew Theal LinkedIn: Brent Pasqua LinkedIn: Joshua Winterswyk LinkedIn: RPA Wealth Management

The Silicon Valley bank issue, the future of the automotive industry, and the constant rise of inflation are making the heads of Americans spin! Needless to say, there’s a lot going on in the financial world right now, and RPA Wealth is ready to dive right into it. In this episode, Matthew Theal, Brent Pasqua, and Joshua Winterswyk discuss some of the hottest headlines in the financial industry by sharing their insights, making educated predictions, and so much more! Matthew, Brent, and Joshua discuss: Some important updates about the Silicon Valley bank issue What the FDIC limit is and how to find out if you are protected by it The landscape of the current automotive industry with the uptick of EV models The dangers of TikTok - to delete or not to delete? And more Resources: Retirement Plan Playbook: Preparing for Retirement: Why Physical Fitness Should Be Part of Your Plan With Marissa Almendarez (Ep. 87) Connect with RPA Wealth Management:  [email protected]  (909) 296-7977 RPA Wealth Management LinkedIn: Matthew Theal LinkedIn: Brent Pasqua LinkedIn: Joshua Winterswyk LinkedIn: RPA Wealth Management  

Preparing yourself financially for retirement is important, but have you ever thought about how you can prepare yourself physically for retirement? In this episode, Marissa Almendarez is on the show to discuss the different ways you can start implementing physical activity into your day, whether you are in your 20s, 50s, and even 80s! Marissa discusses: How to find your motivation when working out Her journey of becoming a personal trainer and finding her passion for healthy living How you can start your fitness journey today Some easy, implementable nutrition tips you can start doing now And more   Resources: Website: Make Good Moves Website: Chino Hills Personal Training Marissa’s Podcast: The Mixtape Talks Retirement Plan Playbook: Building Your Retirement Income: The Bond Ladder Approach (Ep. 86)   Connect with Marissa Almendarez: Instagram: @marissa_almendarez Connect with RPA Wealth Management:  [email protected]  (909) 296-7977 RPA Wealth Management LinkedIn: Matthew Theal LinkedIn: Brent Pasqua LinkedIn: Joshua Winterswyk LinkedIn: RPA Wealth Management   About our Guest:  Marissa is a fitness expert and a personal trainer who's been helping people achieve their fitness goals since 2011 with a passion for healthy living and a desire to help people find balance. Marissa believes that fitness is a lifelong journey and strives to make sustainable changes in her clients' lives. She co-founded an event called Climb for a Cure in 2015 which later became the nonprofit, Make Good Moves, and has helped raise more than $100,000 for stage four metastatic breast cancer research awareness and patient and family support. Marissa's also a successful entrepreneur and mentor to a team of close to over a hundred trainers, and she works through the Self-Made West Covina and Self-made Chino Hills, where she co-owns those gyms. She has a limited personal training clientele and co-hosts the Mixtape Talks podcast and social events. Marissa recently became a mom and credits her healthy pregnancy and recovery to a lifestyle she has created for herself since 2011.

Are you looking for a retirement plan that can provide stability and consistent income? Look no further than bond ladders!  In this gripping podcast episode, financial experts Matthew Theal, Brent Pasqua, and Joshua Winterswyk dive deep into the world of bond ladders, revealing everything you need to know to make an informed decision for your retirement plan.  In this episode: Discover the power of bond ladders in safeguarding your finances Gain an insider's perspective on the current state of the American economy Learn how to incorporate bond ladders into your retirement plan for long-term success Find out how to avoid inflation risks and protect your investments Empower yourself with the knowledge to make informed and confident decisions for your retirement plan   Resources: Retirement Plan Playbook: Mastering Tax Season: Your Ultimate Guide to Dates, Deductions, and Avoiding Common Mistakes with Amber M. Storms, EA (Ep. #85) Connect with RPA Wealth Management:  [email protected]  (909) 296-7977 RPA Wealth Management LinkedIn: Matthew Theal LinkedIn: Brent Pasqua LinkedIn: Joshua Winterswyk LinkedIn: RPA Wealth Management

Tax season is just around the corner, and it can be stressful for many.  As tax season rapidly approaches, the mere thought of it may trigger anxiety for many. But fear not, because, in this highly informative episode, you'll hear from tax expert Amber M. Storms, EA, alongside financial advisors Matthew Theal, Brent Pasqua, and Joshua Winterswy. They’ll equip you with the essential knowledge and valuable strategies to successfully maneuver through this tax season. Get ready to learn about crucial dates and deadlines, potential pitfalls to avoid, and savvy deductions that can significantly lower your tax bill. Don't miss out on this empowering episode to take control of your taxes and feel confident about your financial future.  In this episode:  Discover the latest due dates for filing your tax return and stay ahead of the game Learn why  it’s crucial not to file too early before receiving all the essential forms  Avoid misreporting income and other common mistakes taxpayers often make during tax preparation Unlock the potential of itemized deductions by exploring the various types of expenses eligible for a deduction, including charitable donations, medical expenses, and state and local taxes And many more insightful tips and tricks to help you make the most of this tax season   Resources: Collaborative Tax Partners    Connect with Amber: LinkedIn: Amber Moore EA Connect with RPA Wealth Management:  [email protected]  (909) 296-7977 RPA Wealth Management LinkedIn: Matthew Theal LinkedIn: Brent Pasqua LinkedIn: Joshua Winterswyk LinkedIn: RPA Wealth Management   About Amber: Amber M. Storms, EA, has been providing tax preparation, advocacy, and planning for 11 years. As an Enrolled Agent, she has the highest credential awarded by the IRS, can practice in any state, and can represent any taxpayer before the IRS. Amber understands that taxes can be overwhelming, and her goal is to help clients navigate the process by breaking down complex subjects into plain language. She sees each taxpayer’s situation as unique and is intent on finding a personalized solution for each client. Amber is a member of the California Society of Enrolled Agents, Inland Empire Chapter. She has volunteered for the VA Loma Linda and California Emergency Nurses Association.

Retirement brings the opportunity to travel to some of the most amazing places you didn’t have the chance to see during your working days.   And now, we want to help you plan your dream getaway.   In this episode, Matthew Theal, Brent Pasqua and Joshua Winterswyk talk with Kaitlan Whitteberry, a luxury travel agent at SmartFlyer about her insights on how to make the most of your golden years by planning the ultimate vacation. She also shares some traveling tips for enjoying your vacation.   Kaitlan discusses:   How to discover where you want to take your next vacation What sparked her passion to help others make travel plans and her story of starting her own travel agency How she was able to pivot her business model during the pandemic What cities she would recommend to you based on your personal preferences And more   Resources:   Retirement Plan Playbook: Financial Predictions For 2023 (Ep.83)   Connect With RPA Wealth Management:  [email protected]  (909) 296-7977 RPA Wealth Management LinkedIn: Matthew Theal LinkedIn: Brent Pasqua LinkedIn: Joshua Winterswyk LinkedIn: RPA Wealth Management   Connect With Kaitlan Whitteberry:   +1 (972) 977-5059 [email protected]  Whit Travel Co. LinkedIn: Kaitlan Whitteberry Instagram: Kaitlan Whitteberry   About Our Guest:    Kaitlan Whitteberry, founder of WHIT TRAVEL Co., has been exploring the globe since she was a young child, and her love for the wondrous corners of this world has only grown stronger with time. After a summer abroad, and ticking country number 30 off her list, she knew she wanted to share her knowledge with others as passionate about the world as she is. She is dedicated to creating bespoke travel experiences for each of her clients, and focuses on crafting trips which highlight the features that make each destination sing. The team at WHIT TRAVEL believes that the world is meant to be explored, and we want to help you get there. Whether there is surfing on a sunny beach in Bali or strolling through a souk market in Morocco. We live for the love of travel.

A new year, and a new financial outlook!   Bringing in the new year means it’s time for RPA Wealth Management to make some 2023 financial predictions.   In this episode, Matthew Theal, Brent Pasqua and Joshua Winterswyk discuss the recently passed Secure Act 2.0, 2023 interest rates, and what investors can expect entering a new year during a bear market.   Matthew, Brent, and Joshua discuss:   The recently passed Secure Act 2.0 is and how it can affect your retirement plans The end of China’s “Zero Covid Mandate” and how this event could affect North America’s economy Going into 2023 in a bear market and what that means for investors Why and how you should change your expectations when investing in a bear market And more   Resources:   Retirement Plan Playbook: A Recap of 2022 (Ep.82)   Connect with RPA Wealth Management:  [email protected]  (909) 296-7977 RPA Wealth Management LinkedIn: Matthew Theal LinkedIn: Brent Pasqua LinkedIn: Joshua Winterswyk LinkedIn: RPA Wealth Management  

2022 was a year full of financial highs and lows that a lot of people felt through their bank accounts.   In this episode, Matthew, Brent and Joshua recap the financial year of 2022 and use this information to help you better understand what you can expect in the new year.   Matthew, Brent, and Joshua discuss:   Stats about this year’s Black Friday sales and what it can tell you about the economy What inflation could look like on the horizon of 2023 Why the recent Covid-19 lockdowns in China are affecting international economies Why the Federal Reserve is rooting for the stock market to fall even further And more   Resources:   Retirement Plan Playbook: Navigating Real Estate Transactions: Tips for Deferring Capital Gains Tax With Jay Frank (Ep.81)   Connect With RPA Wealth Management:  [email protected]  (909) 296-7977 RPA Wealth Management LinkedIn: Matthew Theal LinkedIn: Brent Pasqua LinkedIn: Joshua Winterswyk LinkedIn: RPA Wealth Management  

You’ve found it. Everything you need to know about real estate investing, all in one place. In this episode, Matthew, Brent, and Joshua, talk with Jay Frank, President of Cantor Fitzgerald Asset Management, to discuss everything you should know about real estate investing including what you should know as a landlord, what a delaware statutory trust is, and so much more!   Jay discusses: What a 1031 exchange is in the real estate industry and how they work How he can help real estate investors grow and enhance their business strategy What a Delaware Statutory Trust (DST) is and how they can enhance your real estate investing experience What to consider before becoming a landlord And more   Resources: Retirement Plan Playbook: 7 Financial Strategies To Help You Be Successful In 2023 (Ep.80)   Connect With RPA Wealth Management:  [email protected]  (909) 296-7977 RPA Wealth Management LinkedIn: Matthew Theal LinkedIn: Brent Pasqua LinkedIn: Joshua Winterswyk LinkedIn: RPA Wealth Management   Connect With Jay Frank: LinkedIn: Jay Frank   About Our Guest:  Jay Frank is the president of Cantor Fitzgerald Asset Management and Chief Operating Officer of Cantor Fitzgerald Investment Management. Jay has spent the last 16 years focused on the real estate assets and alternative investment industries. He works closely with financial advisors on the implementation of sophisticated real estate solutions, including 1031 exchanges and tax deferred exchanges.   

With the likelihood of a recession almost certain and most households having some amount of credit card debt, building effective financial strategies is more important than ever.   In this episode, Matthew Theal, Brent Pasqua and Joshua Winterswyk focus on financial planning tips for the new year. They share some of their favorite strategies to increase investment returns, ensure families are financially protected and decrease taxable income through investment and retirement tax returns.   Matthew, Brent, and Joshua discuss: Why is current spending contributing to an increase in household debt How US treasury securities can help maximize liquidity and increase interest on uninvested cash The importance of updating beneficiaries and insurance to provide protection for the next generation How 401(k) and taxable brokerage accounts can reduce your taxes before the new year And more   Connect With RPA Wealth Management:  [email protected]  (909) 296-7977 RPA Wealth Management LinkedIn: Matthew Theal LinkedIn: Brent Pasqua LinkedIn: Joshua Winterswyk LinkedIn: RPA Wealth Management  

There is a lot going on in the stock market and investing industry right now. That’s why we are your go-to resource when it comes to the hot take headlines in the investing world. In this episode, Matthew Theal, Brent Pasqua and Joshua Winterswyk discuss some of the most relevant headlines you should know as you head into the holiday season and as you monitor your portfolio.   Matthew, Brent, and Joshua discuss: The unusual coincidence of how the Philadelphia Phillies baseball team seems to affect the stock market Why tech companies are struggling with poor performance and growth and how that affects your portfolio Some insight about whether we are heading into a further downturned market If midterm elections actually affect stock market performance And more   Connect with RPA Wealth Management:  [email protected]  (909) 296-7977 RPA Wealth Management LinkedIn: Matthew Theal LinkedIn: Brent Pasqua LinkedIn: Joshua Winterswyk LinkedIn: RPA Wealth Management  

Unfortunately, the chances of you needing medical attention increase as the years progress.   So what can you do to prepare for this?   In this episode, Matthew Theal, Brent Pasqua and Joshua Winterswyk talk with Laurie Boatman, a licensed, trained and certified independent insurance agent to discuss the topic of Medicare. She will help you better understand the Medicare enrollment process whether you are approaching the retirement age or preparing for medical expenses that may come up.   Laurie discusses: Defines what Medicare is and why it was introduced How she helps people find the right Medicare Insurance Plan What age you should enroll in a Medicare plan and when the enrollment period is How to enroll in a Medicare plan And more   Resources: Retirement Plan Playbook: The Third Quarter Review of 2022 (Ep.77)   Connect with RPA Wealth Management:  [email protected]  (909) 296-7977 RPA Wealth Management LinkedIn: Matthew Theal LinkedIn: Brent Pasqua LinkedIn: Joshua Winterswyk LinkedIn: RPA Wealth Management   Connect with Laurie Boatman: 949-735-4486 LinkedIn: Laurie Boatman   About Our Guest:  As a licensed, trained, and certified agent with major insurance companies, Laurie helps make the transition to Medicare easy to navigate and understand! Laurie provides the knowledge so you can make the best choice for you and your situation. Trying to decide between Medicare only, a Medicare Advantage plan, or a Medicare/Medigap Supplemental plan. What about Prescription Drug plans? What starts out as stressful, and confusing, becomes clear and simple! Laurie is here to help answer your questions and walk you through the process. It is of great value to seek help from an agent who specializes in Medicare that will guide you, whether you are just turning 65 or after.   

As we’ve said before, everyone is feeling the effects of inflation.   But who is inflation affecting the most?   In this episode, Matthew Theal, Brent Pasqua and Joshua Winterswyk discuss some key updates about recent increases in Social Security and Medicare and some statistics about how the stock market did in the second quarter of 2022.   Matthew, Brent, and Joshua discuss: How inflation is affecting people similar to their client demographic Updates about Social Security and Medicare increases How the stock market has done in the second quarter of 2022 What you have to look forward to and be optimistic about during peak inflation And more   Resources: Retirement Plan Playbook: Don’t Hit The Panic Button Just Because The Market Is Crashing! (Ep.76)   Connect with RPA Wealth Management:  [email protected]  (909) 296-7977 RPA Wealth Management LinkedIn: Matthew Theal LinkedIn: Brent Pasqua LinkedIn: Joshua Winterswyk LinkedIn: RPA Wealth Management