Wealth Is In The Details Podcast

What if one of the most meaningful ways to care for your family has nothing to do with gifts or holidays? Planning ahead can ease stress, reduce conflict, and create clarity when it matters most. In this episode, Peter Raskin explains why estate planning is ultimately an act of love for spouses, children, and heirs. He outlines the essential documents every family should understand, including wills, powers of attorney, and trusts. Peter also shares practical steps to simplify finances, avoid probate, and reduce potential estate taxes. Through real-life examples, he highlights how thoughtful preparation protects assets, addresses elder abuse risks, and fosters deeper family conversations across generations. Peter discusses: The purpose of wills, executors, and how proper planning prevents assets from being distributed solely by state law The roles of living wills, healthcare proxies, and financial powers of attorney in medical and financial decision making How revocable and irrevocable trusts function, avoid probate, and help protect assets from creditors or divorce Practical strategies such as consolidating accounts, updating beneficiaries, and transferring property into trusts The importance of family conversations about heirs, remarriage risks, elder abuse prevention, and planning for pets And more! Connect with Peter Raskin:  Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule a Time with Peter Raskin: Book a Call with Peter This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. Securities and investment advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. Osaic Wealth is separately owned, and other entities and/or marketing names, products, or services referenced here are independent of Osaic Wealth.

Taking time to reflect can bring perspective, clarity, and renewed intention. Looking ahead with purpose helps turn lessons into meaningful action. In this episode, Peter Raskin is joined by the team at Raskin Planning Group, Kathryn Broy, Alexander LaCroce, Tony Araujo, and Declan Davis for the annual Raskin Planning Group year-in-review and outlook conversation.  The team shares personal moments from 2025 that inspired growth, including travel, family milestones, creative pursuits, and career development. They reflect on lessons learned through routines, responsibility, and professional change. The discussion also looks ahead to 2026, focusing on motivation, relationships, teamwork, and intentional planning. Peter and the team discuss: Reflections from Peter Raskin, Kathryn Broy, Alexander LaCroce, Tony Araujo, and Declan Davis on personal moments that shaped 2025 How routines, discipline, and responsibility supported wellbeing and daily balance Professional growth through communication, collaboration, and firm transitions The role of positivity, mindset, and intention when planning for the year ahead Individual goals and motivations for 2026 centered on relationships, learning, and client service And more! Connect with Peter Raskin and the Raskin Planning Group Team:  Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule a Time with Peter Raskin: Book a Call with Peter This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. Securities and investment advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. Osaic Wealth is separately owned, and other entities and/or marketing names, products, or services referenced here are independent of Osaic Wealth. Osaic Wealth, Inc. and its representatives do not offer tax or legal advice. Individuals should consult their tax or legal professionals regarding their specific circumstances.

A new year often brings pressure to make changes, but thoughtful planning can be a far more useful starting point. Rather than focusing on rigid resolutions, a structured review can help households feel organized and prepared. In this episode, Peter Raskin walks through a comprehensive planning checklist to help individuals and families prepare for the 2026 calendar year. He explains how reviewing the prior year, setting new goals, and anticipating life events create clarity before making financial decisions. The conversation covers age-based milestones, cash flow awareness, assets and debt, tax preparation, insurance reviews, and estate planning, all framed as manageable steps that can be revisited over time. Peter discusses: Reviewing progress from the previous year to identify what worked, what changed, and what can be deferred Setting personal and financial goals while accounting for upcoming life events and transitions Key age milestones tied to health insurance, retirement contributions, Medicare, and Social Security Managing cash flow by examining income, expenses, benefits, gifting, and charitable strategies And more! Resources: Building Your Year-End Financial Checklist (Ep. 142) Connect with Peter Raskin:  Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule a Time with Peter Raskin: Book a Call with Peter This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. Securities and investment advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. Osaic Wealth is separately owned, and other entities and/or marketing names, products, or services referenced here are independent of Osaic Wealth. Osaic Wealth, Inc. and its representatives do not offer tax or legal advice. Individuals should consult their tax or legal professionals regarding their specific circumstances.

Life can change quickly, and those shifts often leave us reassessing what matters most. Moments of uncertainty can feel heavy, yet they also open space for renewed direction. Thoughtful planning gives structure to those moments and helps guide steady decisions. In this episode, Peter Raskin reflects on the many transitions clients experienced this year and how planning supports clarity through change. He shares real examples of families dealing with retirement questions, concentrated stock positions, charitable goals, and market anxiety. Peter highlights how planning offers direction, keeps people grounded, and creates a path forward no matter what life brings. Peter discusses: A couple juggling income, debt, and a large concentrated stock holding while seeking financial clarity How retirement plans and Social Security timing can shape long-term outcomes Strategies for using charitable gifts, donor-advised funds, and qualified charitable distributions Guiding a retiree who feels pressure from market headlines and fears about volatility Why revisiting a financial plan builds confidence during uncertain periods And more! Connect with Peter Raskin:  Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule a Time with Peter Raskin: Book a Call with Peter   This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. Securities and investment advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. Osaic Wealth is separately owned, and other entities and/or marketing names, products, or services referenced here are independent of Osaic Wealth. Osaic Wealth, Inc. and its representatives do not offer tax or legal advice. Individuals should consult their tax or legal professionals regarding their specific circumstances.

Turning 65 comes with many decisions, and few are as important or confusing as Medicare.  Between Parts A, B, D, Medigap, and Advantage plans, it’s easy to feel overwhelmed by choices and costs. In this episode, Peter Raskin explains how Medicare works, what each part covers, and how to make informed decisions during open enrollment. He breaks down the differences between Medigap and Medicare Advantage, highlights how income can affect premiums, and shares tips for staying flexible as your health or lifestyle changes. Peter discusses: The basics of Medicare Parts A, B, and D, and what they actually cover The difference between Medigap and Medicare Advantage plans, and how to decide which is right for you How the open enrollment period from October 15 to December 7 allows changes to plans and coverage How IRMAA (Income-Related Monthly Adjustment Amount) can increase premiums based on income Why reviewing your coverage annually is key to keeping up with life changes, travel, and evolving health needs And more! Resources: Medicare.gov – Official U.S. Government Site for Medicare SSA Form SSA-44: Medicare Income-Related Monthly Adjustment Amount Life-Changing Event Connect with Peter Raskin:  Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule a Time with Peter Raskin: Book a Call with Peter This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. Securities and investment advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. Osaic Wealth is separately owned, and other entities and/or marketing names, products, or services referenced here are independent of Osaic Wealth. Osaic Wealth, Inc. and its representatives do not offer tax or legal advice. Individuals should consult their tax or legal professionals regarding their specific circumstances.

Investors often look for ways to balance cost, performance, and control, but what if there were a method that let you own the actual stocks behind an index and tailor them to your needs? Technology has made that possible through direct indexing, a strategy that’s reshaping how investors think about diversification and tax management. In this episode, Peter Raskin explains how direct indexing works, who can benefit from it, and why it’s becoming an increasingly popular option for investors who want more flexibility, personalization, and tax efficiency in their portfolios. He also compares it to ETFs and mutual funds and shares how his firm integrates this strategy into comprehensive financial planning. Key Takeaways: The difference between buying individual stocks, mutual funds, ETFs, and using direct indexing How direct indexing allows investors to own actual stocks that replicate an index while offering more control The tax advantages of direct indexing through strategic tax-loss harvesting How technology has made personalization possible by letting investors include or exclude specific sectors or companies When direct indexing fits best within a comprehensive financial plan alongside other investment vehicles And more! Connect with Peter Raskin:  Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule a Time with Peter Raskin: Book a Call with Peter This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. Securities and investment advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. Osaic Wealth is separately owned, and other entities and/or marketing names, products, or services referenced here are independent of Osaic Wealth. Osaic Wealth, Inc. and its representatives do not offer tax or legal advice. Individuals should consult their tax or legal professionals regarding their specific circumstances.

As the year closes, financial planning opportunities emerge that can set the stage for a stronger future. How do you make the most of tax strategies, savings tools, and estate planning before the calendar turns? What should be reviewed now to avoid last-minute stress in December? In this episode, Peter Raskin shares a practical year-end checklist covering investments, tax strategies, cash flow, insurance, and estate planning. He explains how timely action helps families and business owners finish the year prepared and step confidently into the new one. Peter discusses: Reviewing investment accounts for gains, losses, and portfolio rebalancing Tax strategies, including Roth conversions, charitable giving, and timing of income Maximizing cash flow and savings through HSAs, 401(k)s, IRAs, and 529 plans Evaluating insurance coverage, deductibles, and Medicare enrollment deadlines Revisiting estate planning, gifting opportunities, and beneficiary designations And more! Resources: 2025 Important Numbers – Updated – Raskin Planning Group 2025 Tax Law Updates and Strategic Planning (Ep. 140) Connect with Peter Raskin:  Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule a Time with Peter Raskin: Book a Call with Peter This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. Securities and investment advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. Osaic Wealth is separately owned, and other entities and/or marketing names, products, or services referenced here are independent of Osaic Wealth. Osaic Wealth, Inc. and its representatives do not offer tax or legal advice. Individuals should consult their tax or legal professionals regarding their specific circumstances.

Insurance can feel like a maze of jargon, rising costs, and confusing policies, but it’s also one of the most important tools for protecting wealth. How do you know if your coverage is enough? When should you shop around, raise deductibles, or consider umbrella protection? In this episode, Peter Raskin talks with longtime friend Robert Mansfield, CPCU, Senior Vice President at HUB International New England, about the essentials of property and liability insurance. Together, they unpack the reasons behind soaring premiums, the critical role of umbrella coverage, strategies for handling claims, and the growing need to protect against scams and fraud. Key takeaways: The difference between insurance agents and brokers, and why working with a broker puts the client first Why premiums for homeowners and auto insurance are rising and the impact of reinsurance and natural disasters The importance of umbrella coverage for protecting assets beyond basic policies Practical strategies for managing deductibles, filing claims, and reviewing coverage regularly How scams and fraud are evolving, and why prevention and awareness are essential for families and businesses And more! Resources: Property and Liability Insurance — With Guest Bob Mansfield (Ep. 18) Connect with Peter Raskin:  Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule a Time with Peter Raskin: Book a Call with Peter Connect with Robert Mansfield: LinkedIn: Robert Mansfield Website: Hub International About Our Guest: Robert Mansfield, CPCU, Senior Vice President at HUB International New England, is a seasoned insurance advisor with more than four decades of experience in property and liability coverage. Starting his career in the mail room of his family’s agency in 1977, he gained hands-on knowledge of every part of the business. Today, he works with individuals, families, and organizations, helping clients protect their homes, vehicles, valuables, and assets with the right coverage and guidance. This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. Securities and investment advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. Osaic Wealth is separately owned, and other entities and/or marketing names, products, or services referenced here are independent of Osaic Wealth. Osaic Wealth, Inc. and its representatives do not offer tax or legal advice. Individuals should consult their tax or legal professionals regarding their specific circumstances.

From new tax rules to little-known retirement plan strategies, 2025 is shaping up to be a year of significant changes for many taxpayers. In this episode, Peter Raskin unpacks timely provisions from the “One Big Beautiful Bill Act,” explains a tax-saving approach for employer stock, and addresses the impact of Massachusetts’ Millionaires’ Tax. With practical examples and forward-thinking strategies, he shares how clients are adapting their financial plans to take advantage of new opportunities and avoid costly surprises. Peter discusses: The key provisions of the 2025 “One Big Beautiful Bill Act,” including unchanged tax brackets, higher standard deductions, and an increased SALT cap through 2029 The temporary bonus deduction for older taxpayers with incomes under certain thresholds, and how it phases out after 2028 The Net Unrealized Appreciation (NUA) distribution strategy for employer stock in retirement plans, highlighting tax advantages and planning considerations The Massachusetts “Millionaire’s Tax,” its impact on high-income earners, and potential strategies like timing transactions or changing residency Ways to reduce taxable income in high-earning years, including charitable contributions, realizing investment losses, and exploring specific tax-efficient investments And more! Connect with Peter Raskin:  Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule a Time with Peter Raskin: Book a Call with Peter This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. Securities and investment advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. Osaic Wealth is separately owned, and other entities and/or marketing names, products, or services referenced here are independent of Osaic Wealth. Osaic Wealth, Inc. and its representatives do not offer tax or legal advice. Individuals should consult their tax or legal professionals regarding their specific circumstances.

Taxes may be inevitable, but how you approach them can make a meaningful difference in your long-term financial path. In this episode, Peter Raskin unpacks the recently signed “One Big Beautiful Bill” and what it means for families and individuals. More importantly, he breaks down how to think about taxes not in isolation, but in the broader context of your goals, values, and peace of mind for your family’s future. Key Points Covered: The newly passed “One Big Beautiful Bill” and why tax rates staying the same may not be the full story How deferring taxes isn’t always the wisest long-term move and may end up benefiting the IRS more than your family Real client stories around estate taxes, complexity, and prioritizing simplicity over tax savings Strategies like Roth conversions, asset sales, and rebalancing with a focus on goals and risk tolerance How to evaluate whether complex tax-saving strategies like 1031 exchanges or charitable remainder trusts are worth the effort And more! Resources: Resource Center – Raskin Planning Group Connect with Peter Raskin:  Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule a Time with Peter Raskin: Book a Call with Peter This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. Securities and investment advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. Osaic Wealth is separately owned, and other entities and/or marketing names, products, or services referenced here are independent of Osaic Wealth. Osaic Wealth, Inc. and its representatives do not offer tax or legal advice. Individuals should consult their tax or legal professionals regarding their specific circumstances.

Love and finances often intertwine in unexpected ways, especially in later-life marriages.  From tax strategies to estate planning, every decision reflects a delicate balance between personal connection and practical considerations. In this episode, Peter Raskin explores the unique financial challenges faced by older couples tying the knot. With stories and strategies, Peter offers guidance to help navigate the complex decisions surrounding later-life marriages. Peter discusses: Strategies for managing joint and individual financial goals in later-life marriages The impact of tax planning on marriage decisions, including joint filing benefits Important insurance considerations, from health coverage to long-term care Social Security benefits and how marital status changes eligibility and payouts Estate planning priorities, including prenuptial agreements and beneficiary designations And more! Connect with Peter Raskin:  Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule a Time with Peter Raskin: Book a Call with Peter This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. Securities and investment advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. Osaic Wealth is separately owned, and other entities and/or marketing names, products, or services referenced here are independent of Osaic Wealth. Osaic Wealth, Inc. and its representatives do not offer tax or legal advice. Individuals should consult their tax or legal professionals regarding their specific circumstances.

Your emotions may be costing you more than you think, especially when it comes to financial decisions. In this episode, Peter Raskin explores how common behavioral biases influence investor decisions and why recognizing them is crucial for effective long-term planning. He reflects on his recent travels to Morocco and connects those insights with the emotional triggers he sees in client behavior. From empathy to automation, Peter offers grounded strategies for responding thoughtfully in uncertain times. Peter discusses: The emotional triggers clients face in periods of uncertainty and how those feelings influence financial decision-making Seven behavioral biases and how each can impact investment choices The value of empathy, long-term thinking, and automation to help reduce impulsive decisions and emotional reactions Key books on behavioral economics to help listeners better understand their own biases and improve decision-making And more! Resources: The Psychology of Money by Morgan Housel Misbehaving by Richard Thaler  Nudge by Richard Thaler and Cass R. Sunstein Thinking, Fast and Slow by Daniel Kahneman Connect with Peter Raskin:  Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule a Time with Peter Raskin: Book a Call with Peter This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning.Securities and investment advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. Osaic Wealth is separately owned, and other entities and/or marketing names, products, or services referenced here are independent of Osaic Wealth.

Uncertainty looms in every corner of our lives, but can we turn it into clarity? How do financial decisions shape long-term security and day-to-day sense of security?  What strategies can help align investments with life’s changing seasons? In this episode, Peter Raskin reflects on balancing short-term challenges with long-term objectives, explaining how clients can maintain confidence through thoughtful planning. From volatile markets to personal milestones, Peter offers insights into wealth management that prioritizes resilience and practicality. Key topics covered: Understanding Market Uncertainty Tax Planning and 1099 Delays Addressing Life Events: Illness and Divorce Gifting to Family Members Navigating Retirement and Medicare Plans And more! Connect with Peter Raskin:  Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule Time with Peter: Book a Call with Peter This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. Securities and investment advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. Osaic Wealth is separately owned, and other entities and/or marketing names, products, or services referenced here are independent of Osaic Wealth. Osaic Wealth, Inc. and its representatives do not offer tax or legal advice. Individuals should consult their tax or legal professionals regarding their specific circumstances.

Market swings and economic shifts can leave retirees feeling uncertain about their financial future.  How can you ensure your income remains steady, even when the unexpected happens? In this episode, Peter Raskin explores retirement income planning strategies that help individuals stay financially stable despite market fluctuations. He breaks down the “bucket approach” to managing assets and highlights key risks retirees should consider when planning their financial future. Peter discusses: The impact of economic uncertainty on retirement planning and how to assess personal financial stability The “bucket approach” to structuring retirement income for different time horizons Key financial risks retirees face, including market downturns, inflation, and longevity The importance of tax planning to maximize retirement savings and minimize unexpected liabilities How to adjust and monitor retirement strategies over time to maintain financial confidence And more! Connect with Peter Raskin:  Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group Twitter: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule Time with Peter: Book a Call with Peter This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. Securities and investment advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth. Osaic Wealth, Inc. and its representatives do not offer tax or legal advice. Individuals should consult their tax or legal professionals regarding their specific circumstances.

Tax season can be overwhelming, but with some simple strategies, you can transform it into a manageable process. In this episode, Peter Raskin outlines practical tips for preparing your taxes with ease. From organizing documents to leveraging deductions and credits, Peter shares actionable insights to make tax preparation less daunting. He emphasizes the importance of collaboration with tax professionals and staying proactive to avoid last-minute stress. Peter discusses: The benefits of keeping organized financial records and reviewing prior tax returns for reference Key income and deduction categories to track, including self-employment expenses, charitable contributions, and retirement plans Credits for education, energy efficiency, and dependent care, along with considerations for gifting limits How to manage estimated taxes to avoid penalties and interest while staying within safe harbor guidelines The value of consulting tax professionals and financial planners to streamline the tax preparation process And more! Connect with Peter Raskin:  Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group Twitter: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule Time with Peter: Book a Call with Peter   This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. Securities and investment advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth. Osaic Wealth, Inc. and its representatives do not offer tax or legal advice. Individuals should consult their tax or legal professionals regarding their specific circumstances.

In today’s uncertain financial landscape, mastering the balance between planning for the future and living in the present is essential. How do political shifts influence personal financial decisions? How can investors navigate risk while maintaining security in their portfolios? Join host Peter Raskin as he discusses the importance of financial planning amidst economic and political changes by providing insights on managing portfolios, and addressing common client questions about market volatility, bonds, and long-term strategies.  Key insights include: How political changes and economic shifts may influence markets and investment strategies The importance of maintaining a diversified portfolio to mitigate risks during market volatility Why bonds, despite underperforming stocks, remain a crucial component of many portfolios Strategies for managing drawdowns and rebalancing portfolios during periods of market fluctuation Approaches to determining annual withdrawal rates and long-term savings goals for financial security And more! Connect with Peter Raskin: Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group Twitter: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule Time with Peter:  Book a Call with Peter This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. Securities and investment advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth. Osaic Wealth, Inc. and its representatives do not offer tax or legal advice. Individuals should consult their tax or legal professionals regarding their specific circumstances.

Trusts offer powerful tools for protecting assets, reducing taxes, and planning for future generations. But how do you choose the right structure for your unique needs? This week, Peter Raskin is joined once again by Kendalynn Mowery from Premier Trust Company to explore the benefits and strategies behind Nevada-based trusts. Kendalynn shares actionable insights into asset protection, tax advantages, and creating a lasting legacy through thoughtful trust planning. Kendalynn discusses: How Nevada’s favorable trust laws provide tax advantages, long-term flexibility, and robust asset protection Asset Protection Trusts, including who benefits most and why timing is critical for these structures Advanced trust structures such as SLATs, NINGs, and BDITs that address specific financial and estate planning goals The importance of tailoring trust structures to align with family and financial objectives with legal guidance How trusts simplify estate administration, reduce probate concerns, and help for multi-generational wealth preservation And more! Resources Understanding Trusts: An Essential Tool in Estate Planning (Ep. 129) Connect with Kendalynn Mowery: LinkedIn: Kendalynn Mowery Website: Premier Trust Connect with Peter:  Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group Twitter: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule Time with Peter Book a Call with Peter This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. Securities and investment advisory services offered through Osaic FA, Inc., member FINRA/SIPC. Osaic FA is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic FA. Osaic FA, Inc. and its representatives do not offer tax or legal advice. Individuals should consult their tax or legal professionals regarding their specific circumstances.

Curious about the behind-the-scenes dynamics of Raskin Planning Group? How about discovering some personal stories from the faces powering the financial planning services?  In this episode, Peter Raskin welcomes the entire Raskin Planning Group team to review 2024 and look ahead to 2025. Get to know Kathryn, Alex, Tony, and Josh as they share personal experiences and insights from the past year, ranging from exciting travel adventures to new challenges. This is a perfect opportunity to connect more closely with the team you’re entrusting your financial future to. Peter Raskin chats with: Kathryn Broy on her honeymoon river cruise adventure and navigating family transitions Alexander LaCroce about his year in Houston and the joys of getting his first puppy  Tony Araujo on celebrating milestones and looking forward to European travels  Josh Durand’s track meets and balancing an active schedule as an intern Connect with Peter and the team:  Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group Twitter: Raskin Planning Group LinkedIn: Raskin Planning Group Book a Call with Peter Kathryn Broy works on financial planning and is a Director of Planning and Client Services.  She is not licensed to provide advisory services directly to a client. This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. Securities and investment advisory services offered through Osaic FA, Inc., member FINRA/SIPC. Osaic FA is separately owned and other entities and/or marketing names, products, or services referenced here are independent of Osaic FA. Osaic FA, Inc. and its representatives do not offer tax or legal advice. Individuals should consult their tax or legal professionals regarding their specific circumstances. CRN-7500955-010625

Life insurance is more than a financial product—it’s a way to express love and care for your family and future. How can life insurance provide stability in uncertain times? How does it evolve with your goals throughout life? In this episode,  Peter Raskin discusses the essential role of life insurance in creating wealth, liquidity, and a legacy for loved ones. He explains how it protects families, pays off debts, and adapts to evolving financial needs over a lifetime. Peter discusses: Using life insurance to create financial security for families, covering mortgages, education, and income replacement The importance of applying for life insurance early, while in good health, to secure better premiums and coverage The distinction between term and permanent life insurance, and how each serves different financial goals How life insurance can cover estate taxes and long-term care costs, offering a sense of financial security for heirs Personal examples of adapting life insurance strategies to align with changing life stages, goals, and charitable giving And more! Connect with Peter:  Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group Twitter: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule Time with Peter Book a Call with Peter CRN-7445305-121624 Disclosure: This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. Securities and investment advisory services offered through Osaic FA, Inc., member FINRA/SIPC. Osaic FA is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic FA. Osaic FA, Inc. and its representatives do not offer tax or legal advice. Individuals should consult their tax or legal professionals regarding their specific circumstances.

What’s the best way to protect and transfer wealth across generations? In this episode of Wealth Is In The Details, host Peter Raskin welcomes Kendalynn Mowery from Premier Trust Company to explore the intricacies of trust planning.  Trusts can be a powerful tool in estate planning, offering more flexibility and protection than a traditional will, especially in wealth transfer across generations. Whether you’re considering lump sum or periodic disbursements, Kendalynn explains why trusts are not just for the wealthy or those concerned about beneficiaries’ spending habits.  With insights into the diverse types of trusts, including special needs, revocable, and charitable trusts, this episode is a must-listen for anyone looking to safeguard their family’s financial future. They discuss: An overview of what a trust is and its dual role in wealth management  The various types of trusts and their suitability for different needs The process and considerations in selecting a trustee, including the role of a corporate trustee  Why Nevada is a favorable state for trust administration And more! Resources Overlooked Duties of a Successor Trustee Connect with Kendalynn Mowery: LinkedIn: Kendalynn Mowery Website: Premier Trust Connect with Peter:  Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group Twitter: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule Time with Peter Book a Call with Peter CRN-7427415-121024 Disclosure: This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. Securities and investment advisory services offered through Osaic FA, Inc., member FINRA/SIPC. Osaic FA is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic FA. Osaic FA, Inc. and its representatives do not offer tax or legal advice. Individuals should consult their tax or legal professionals regarding their specific circumstances.

The end of the year brings a crucial opportunity to review and optimize financial plans.    In this episode of The Wealth Is In The Details Podcast, Peter Raskin dives into year-end financial planning strategies to keep you ahead of the curve.  Understanding your tax brackets, planning for capital gains and losses, and utilizing charitable contribution strategies are pivotal in managing your finances efficiently.  Whether you’re dealing with capital gains, preparing for retirement, or ensuring your estate plan is in order, there’s actionable advice for everyone looking to secure their financial future. Peter discusses: Tactics to strategically manage capital gains and losses to optimize your tax situation The importance of understanding tax brackets and how they influence your financial planning Effective approaches to charitable planning and how they can impact your overall tax strategy The implications of IRMAA on your Medicare premiums and how to manage income triggers effectively And more! Connect with Peter:  Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group Twitter: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule Time with Peter Book a Call with Peter CRN-7281568-110824 Disclosure: This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. Securities and investment advisory services offered through Osaic FA, Inc., member FINRA/SIPC. Osaic FA is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic FA. Osaic FA, Inc. and its representatives do not offer tax or legal advice. Individuals should consult their tax or legal professionals regarding their specific circumstances.

Financial planning isn’t just about numbers; it’s about addressing the real-life concerns that keep clients awake at night. How do we help clients navigate personal challenges while ensuring their financial stability? What are the most pressing issues clients face today? In this episode of The Wealth Is In The Details podcast, Peter Raskin shares insightful stories from his clients’ wealth journeys, revealing what truly matters to them and how detailed planning can provide peace of mind.  You’ll learn why clients focus on personal, impactful conversations rather than market fluctuations or global events, and how year-round tax planning can offer confidence in uncertain times. Peter discusses: Personal anecdotes around health challenges and financial strategies The importance of updating estate planning documents in light of new legislation Strategies for gifting and charitable donations Handling unexpected windfalls and planning for early retirement And more! Connect with Peter:  Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group Twitter: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule Time with Peter Book a Call with Peter CRN-7091109-100324 Disclosure:  This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. Securities and investment advisory services offered through Osaic FA, Inc., member FINRA/SIPC. Osaic FA is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic FA. Osaic FA, Inc. and its representatives do not offer tax or legal advice. Individuals should consult their tax or legal professionals regarding their specific circumstances.

Are you maximizing the tax benefits of your charitable donations? In this episode of Wealth Is In The Details, Peter Raskin dives into the topic of charitable giving, exploring how to frame philanthropy within your financial plan. Learn about the three types of givers and discover tax-efficient strategies such as donor-advised funds and charitable remainder trusts. Peter shares insightful case studies to illustrate how tailored charitable planning can align with both your philanthropic and financial goals. Whether you’re new to philanthropy or looking to enhance your giving strategy, this episode offers valuable tips for everyone. Tune in to learn how strategic philanthropic contributions can enhance your giving and reduce your tax liabilities. Peter discusses: The different motivations behind charitable giving—from personal satisfaction to tax benefits How donor-advised funds can simplify and optimize your charitable contributions The tax advantages of qualified charitable distributions from retirement accounts How to involve your family in philanthropic planning, fostering a legacy of giving And more! Connect with Peter:  Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group Twitter: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule Time with Peter Book a Call with Peter CRN-7036300-091924 Disclosure:  This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. Securities and investment advisory services offered through Osaic FA, Inc., member FINRA/SIPC. Osaic FA is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic FA. Osaic FA, Inc. and its representatives do not offer tax or legal advice. Individuals should consult their tax or legal professionals regarding their specific circumstances.

Are you ready to navigate the potential tax changes on the horizon? Understanding how upcoming tax law changes can impact your financial plan is critical! Get ahead of these changes with proactive planning. In this episode of Wealth Is In The Details, Peter Raskin discusses the implications of upcoming tax law changes and how they might impact your financial planning strategies. He explores the nuances of the Tax Cut and Jobs Act of 2017, scheduled changes in 2026, and provides advice on how to prepare wisely. Tune in to understand the importance of working with financial professionals and gain insights into proactive tax planning. Peter discusses: How the sunset of the Tax Cut and Jobs Act of 2017 could alter tax brackets and deductions The potential impact on federal estate taxes and high-net-worth individuals Why it’s important for us to time our income and deductions ahead of 2026 changes Collaborating with accountants and financial planners to navigate tax law complexities Resources Raskin Planning Group: Are You Prepared for an Estate Tax Sunset? Connect with Peter:  Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group Twitter: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule Time with Peter Book a Call with Peter CRN-6997082-090924 Disclosure: This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. Securities and investment advisory services offered through Osaic FA, Inc., member FINRA/SIPC. Osaic FA is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic FA. Osaic FA, Inc. and its representatives do not offer tax or legal advice. Individuals should consult their tax or legal professionals regarding their specific circumstances.

Ever wondered if all dark beers are heavy or if beer really should be served ice cold? Let’s debunk these myths and dive deep into the rich world of beer with certified expert Hal Mooney! In this episode of Wealth Is In The Details, Peter Raskin speaks with professional beer taster and co-founder of Your Beer Friend Hal Mooney to unravel common misconceptions about beer and explore the diverse landscape of the craft beer industry. Discover the truth about dark beers, the wide variety of lagers, and how the US beer scene competes on a global scale. Whether you’re a casual drinker or a beer aficionado, you’ll gain surprising insights that make your next sip even more enjoyable. Peter and Hal discuss: What it means to be a certified cicerone 10 common myths about beer that you never knew were false The versatility of lagers and IPAs Some of the best ways to enjoy your beer, from temperature to packaging And more! Resources Top 10 Beer Myths (That Aren’t True) Connect with Hal Mooney: Your Beer Friend LinkedIn: Hal Mooney Connect with Peter:  Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group Twitter: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule Time with Peter Book a Call with Peter CRN-6879360-080824 Disclosure:  This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. Securities and investment advisory services offered through Osaic FA, Inc., member FINRA/SIPC. Osaic FA is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic FA. Osaic FA, Inc. and its representatives do not offer tax or legal advice. Individuals should consult their tax or legal professionals regarding their specific circumstances.

Are financial rules of thumb guiding your journey to wealth? Discover why these shortcuts might not work as well as you think and how personalized strategies can make all the difference. Today on Wealth Is In The Details, Peter Raskin debunks common financial planning rules of thumb, from “safe distribution rates” to “tax deferral.” He explains why these generalized strategies can be risky and teaches how tailored advice offers better clarity and confidence. Tune in to explore effective financial planning strategies rooted in professional insight rather than shortcuts. Peter discusses: Why fixed withdrawal rates from your portfolio may not account for unexpected expenses and market volatility When paying taxes now could be more beneficial than deferring them to a later date How taking more investment risks doesn’t always equate to higher returns The importance of personalized financial advice to navigate complex decisions effectively Tune in for practical insights that go beyond one-size-fits-all financial rules. Connect with Peter:  Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group Twitter: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule Time with Peter Book a Call with Peter   CRN-6773197-070924 Disclosure This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. Securities and investment advisory services offered through Osaic FA, Inc., member FINRA/SIPC. Osaic FA is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic FA. Osaic FA, Inc. and its representatives do not offer tax or legal advice. Individuals should consult their tax or legal professionals regarding their specific circumstances.

Want to live life with no regrets and embrace your mortality as a catalyst for fulfillment? Today on Wealth Is In The Details, Peter Raskin welcomes his longtime friend David Abend, co-founder of The Bucket, about transforming deathbed regrets into a life well-lived. David shares his journey from advertising to co-founding The Bucket, a community focused on helping individuals lead more fulfilling lives by confronting their mortality. Learn how mortality can act as a powerful motivator to rethink priorities, embrace joyful experiences, and live authentically. David discusses: The Bucket’s mission to help people reduce or eliminate deathbed regrets Calculating your “bucket age” to get a new perspective on how many years you have left and use this knowledge to live more purposefully How focusing on personal authenticity can help you avoid common life regrets The Bucket’s available resources, including a wealth of how-to articles, interviews, and podcasts to guide you in making meaningful life changes And more!   Resources: The Bucket Podcast The D.B.R. Diaries Connect with David Abend: The Bucket Facebook: The Bucket Instagram: @thebucketonline X (Twitter): @thebucketonline YouTube: @thebucket5758 Connect with Peter:  Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group Twitter: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule Time with Peter Book a Call with Peter About Our Guest: David Abend is the co-founder and editor-in-chief of The Bucket and has a passion for helping people see the world in a different way – a talent he honed from decades of work as an advertising creative director and copywriter. He has worked at some of the world’s leading agencies including Digitas, Hill Holiday, Arnold Worldwide, and Mullen-Lowe on noteworthy brands such as Reebok, New Balance, Stanley Tools, Fidelity, Titleist, InterContinental Hotels Group (IHG), and AARP. With The Bucket, David seeks to achieve the ultimate marketing challenge – the rebranding of death – by getting people to see how embracing mortality can help them live a more fulfilling life. David is also a Certified Life Coach.   CRN-6714470-061824 This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. The information covered and posted represents the views and opinions of the guest and does not necessarily represent the views or opinions of Osaic FA. The content has been made available for informational and educational purposes only. The content is not intended to be a substitute for professional investing advice. Always seek the advice of your financial advisor or other qualified financial service providers with any questions you may have regarding your investment planning. Securities and investment advisory services offered through Osaic FA, Inc., member FINRA/SIPC. Osaic FA is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic FA. Osaic FA and its representatives do not offer tax or legal advice. Individuals should consult their tax or legal professionals regarding their specific circumstances.

Could keeping your money in cash actually be risky? In this episode of Wealth Is In The Details, Peter Raskin delves into the commonly overlooked risks associated with holding cash or cash equivalents like CDs and US Treasuries. He tackles the misconception that cash is the safest investment, breaking down the concepts of liquidity, inflation risk, and how different types of investments align with your financial goals. Listen in and uncover the importance of aligning your investment choices with both your long-term and short-term objectives, and why simply stashing your cash might not always be the best strategy. Peter discusses: Exploring the true meaning of cash and cash equivalents Unpacking the multifaceted nature of risk, especially when it comes to cash investments The impact of inflation over time on the purchasing power of your cash holdings Investment attributes and how to match them with your financial goals And more!   Connect with Peter:  Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group Twitter: Raskin Planning Group LinkedIn: Raskin Planning Group   Schedule Time with Peter Book a Call with Peter   Disclosure: This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. Peter Raskin is a registered representative of Osaic FA, Inc./Osaic FA. Securities offered through Osaic FA, Inc./Osaic FA, a broker/dealer. Member SIPC. Investment advisory services offered through Osaic FA, Inc./Osaic FA, a registered investment advisor. Insurance offered through Lincoln affiliates and other fine companies. Raskin Planning Group is not an affiliate of Osaic FA, Inc./Osaic FA. Osaic FA, Inc./Osaic FA and its representatives do not provide legal or tax advice. You may want to consult a legal or tax advisor regarding any legal or tax information as it relates to your personal circumstances.

Are you ready to navigate the complexities of financial planning across different stages of your life? Today on Wealth Is In The Details, Peter Raskin dives deep into the structure of the financial planning pyramid, an invaluable tool that illustrates the key phases of financial planning from establishing to distributing wealth. Understanding this pyramid is crucial for anyone looking to build a stable financial future. His discussion, inspired by David Pierce’s article in the Journal of Financial Service Professionals, sheds light on the unique financial planning challenges and risks at different life stages, offering insights into how best to address them. Whether you’re just starting out or looking into retirement planning, this episode is packed with expert advice and the importance of professional guidance. Peter discusses: The foundation of financial planning and the importance of establishing wealth early on Strategies for building wealth, including investment and insurance considerations Preserving wealth through mindful spending and investment risk management as we approach middle-age Distributing wealth efficiently, considering the complex landscape post-retirement, including healthcare costs and estate planning Tune in to uncover strategies for navigating your financial planning journey at every life stage. Resources FPS: Unique Risks at the Top of a Financial Planning Pyramid by David F. Pierce, MSFS, MSM, MA, AEP, CLF, ChFC, CLU, Certified Financial Fiduciary Connect with Peter:  Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group Twitter: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule Time with Peter Book a Call with Peter CRN-6548650-041224 Disclosure: This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. Peter Raskin is a registered representative of Lincoln Financial Advisors. Securities offered through Lincoln Financial Advisors Corp., a broker/dealer. Member SIPC. Investment advisory services offered through Sagemark Consulting, a division of Lincoln Financial Advisors, a registered investment advisor. Insurance offered through Lincoln affiliates and other fine companies. Raskin Planning Group is not an affiliate of Lincoln Financial Advisors. Lincoln Financial Advisors Corp. and its representatives do not provide legal or tax advice. You may want to consult a legal or tax advisor regarding any legal or tax information as it relates to your personal circumstances.

You’ve probably heard of alternative lifestyles and alternative facts, but are you familiar with alternative investments? This week on Wealth is in The Details, Peter Raskin and William Wolfe from FS Investments talk about alternative investing to educate listeners about alternative investments and how they can complement traditional portfolios. William explains how the accessibility of alternative investments has improved, making them an option for more investors. Peter and Bill also emphasize the importance of professional advice, considering individual goals and risk tolerances, and understanding the costs and tax implications are emphasized. Peter and William discuss: What alternative investments are How accessible alternative investments are for average investors The importance of diversification and stability in investment portfolios Relevance of economic and market cycles in alternative investments And more! Connect with William Wolfe: FS Investments LinkedIn: FS Investments LinkedIn: William Wolfe Connect with Peter:  Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group Twitter: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule Time with Peter Book a Call with Peter CRN-6413435-022024 Disclosure: This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. Peter Raskin is a registered representative of Lincoln Financial Advisors. Securities offered through Lincoln Financial Advisors Corp., a broker/dealer. Member SIPC. Investment advisory services offered through Sagemark Consulting, a division of Lincoln Financial Advisors, a registered investment advisor. Insurance offered through Lincoln affiliates and other fine companies. Raskin Planning Group is not an affiliate of Lincoln Financial Advisors. Lincoln Financial Advisors Corp. and its representatives do not provide legal or tax advice. You may want to consult a legal or tax advisor regarding any legal or tax information as it relates to your personal circumstances.

In today’s challenging housing market, is it better to rent or buy a home? Today on Wealth Is In The Details, Peter Raskin delves into the complexities of the housing market, addressing the struggles faced by younger generations trying to attain homeownership amidst soaring prices and mortgage rates. Peter discusses the advantages and disadvantages of renting vs. buying and provides valuable insights into making informed decisions regarding housing choices. Peter discusses: The challenges faced by younger individuals in the current housing market Factors contributing to the high housing costs and mortgage rates Pros and cons of renting versus buying a home Equity building and tax benefits associated with home ownership And more! We want to help you gain clarity on whether renting or buying a home aligns with your financial goals and circumstances. Don’t miss this informative discussion on navigating the intricate decision-making process in today’s real estate market. Connect with Peter:  Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group Twitter: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule Time with Peter Book a Call with Peter CRN-6544049-041124 Disclosure: This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. Peter Raskin is a registered representative of Lincoln Financial Advisors. Securities offered through Lincoln Financial Advisors Corp., a broker/dealer. Member SIPC. Investment advisory services offered through Sagemark Consulting, a division of Lincoln Financial Advisors, a registered investment advisor. Insurance offered through Lincoln affiliates and other fine companies. Raskin Planning Group is not an affiliate of Lincoln Financial Advisors. Lincoln Financial Advisors Corp. and its representatives do not provide legal or tax advice. You may want to consult a legal or tax advisor regarding any legal or tax information as it relates to your personal circumstances.

Welcome back to part 2 of our two-part series where we break down financial jargon that many advisors use, for our listeners! In this episode, Peter Raskin breaks down more complex financial terms to help you better understand investment terminology, while emphasizing the importance of diversification. He explains factor investing and the significance of macroeconomic and style factors in portfolio management. Peter also covers the implications of the yield curve and bond duration for investors. Peter discusses: Different kinds of stocks and bonds, and the importance of diversification What factor investing is, and specific drivers of returns across asset classes What a yield curve and duration in the context of bonds are The importance of diversifying into different types of bonds based on risk tolerance And more! Resources Decoding Financial Jargon Part 1 (Ep. 117) Connect with Peter:  Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group Twitter: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule Time with Peter Book a Call with Peter CRN-6491254-031924 Disclosure: This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. Raskin Planning Group is a marketing name for registered representatives of Lincoln Financial Advisors. Securities offered through Lincoln Financial Advisors Corp., a broker/dealer. Member SIPC. Investment advisory services offered through Sagemark Consulting, a division of Lincoln Financial Advisors, a registered investment advisor. Insurance offered through Lincoln affiliates and other fine companies. Raskin Planning Group is not an affiliate of Lincoln Financial Advisors. Raskin Planning Group is a marketing name for registered representatives of Lincoln Financial Advisors. Lincoln Financial Advisors Corp. and its representatives do not provide legal or tax advice. You may want to consult a legal or tax advisor regarding any legal or tax information as it relates to your personal circumstances.

Welcome to part one of a two-part series breaking down financial jargon! Today on Wealth Is In The Details, Peter Raskin breaks down complex financial jargon to help listeners gain a deeper understanding of key investment concepts. Peter discusses key concepts including average returns, standard deviation, correlation, diversification, capital market assumptions, and market cap-weighted indices. He explains these terms in simple, relatable language, making it easier for listeners to grasp these fundamental financial concepts while emphasizing their importance in investment strategy. He advocates for clear communication between professionals and clients and stresses the need for a diversified approach to investing.  Peter discusses: The importance of understanding investment jargon for investors Key concepts including average returns, standard deviation, correlation, diversification, capital market assumptions, and market cap-weighted indices The benefits of diversification and correlation in building effective investment portfolios The significance of capital market assumptions for long-term asset class returns The differences between market cap-weighted and equal-weighted indexes in investing And more! Resources Neuberger Berman Connect with Peter:  Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group Twitter: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule Time with Peter Book a Call with Peter   CRN-6450892-030424   Disclosure: This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. Peter Raskin is a registered representative of Lincoln Financial Advisors. Securities offered through Lincoln Financial Advisors Corp., a broker/dealer. Member SIPC. Investment advisory services offered through Sagemark Consulting, a division of Lincoln Financial Advisors, a registered investment advisor. Insurance offered through Lincoln affiliates and other fine companies. Raskin Planning Group is not an affiliate of Lincoln Financial Advisors. Lincoln Financial Advisors Corp. and its representatives do not provide legal or tax advice. You may want to consult a legal or tax advisor regarding any legal or tax information as it relates to your personal circumstances.

Ever feel overwhelmed by the maze of retirement planning?  You’re not alone.  Join Peter Raskin as he ventures into the world of Individual Retirement Accounts (IRAs). Born from the Employee Retirement Income Security Act of 1974, IRAs are now a cornerstone of savvy financial planning. Peter navigates through the complexities of IRAs, covering everything from income taxes and investments to life expectancy and estate planning. Key Highlights: Traditional IRAs: Understanding their unique functions, the importance of earned income for contributions, and the implications of tax-deferred earnings RMDs: Grasping the necessity of withdrawals from IRAs starting at age 73, and how these are calculated IRA Deductibility: Decoding how participation in employer-sponsored plans and income levels affect your IRA’s tax benefits Roth IRA Insights: Comparing Roth vs. traditional IRAs, exploring the advantages of Roth IRAs including tax-free withdrawals The Pro Rata Rule: Navigating the complexities of the backdoor Roth IRA strategy and its potential tax implications Innovative IRA Options: The groundbreaking 2024 feature allowing 529 plan conversions into Roth IRAs under specific conditions And much more! Connect with Peter:  Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group Twitter: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule Time with Peter Book a Call with Peter CRN-6371410-020624 Disclosure: This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. Peter Raskin is a registered representative of Lincoln Financial Advisors. Securities offered through Lincoln Financial Advisors Corp., a broker/dealer. Member SIPC. Investment advisory services offered through Sagemark Consulting, a division of Lincoln Financial Advisors, a registered investment advisor. Insurance offered through Lincoln affiliates and other fine companies. Raskin Planning Group is not an affiliate of Lincoln Financial Advisors. Lincoln Financial Advisors Corp. and its representatives do not provide legal or tax advice. You may want to consult a legal or tax advisor regarding any legal or tax information as it relates to your personal circumstances.

Many people trivialize mental health because they forget it can affect all areas of their lives, including their physical and financial well-being. Others hesitate to seek help because of the associated stigmas. Join Peter Raskin and guest Ariana Mufson, LICSW, CST, Psychotherapist, in their efforts to normalize, and even prioritize, mental well-being. Today’s episode explores some of the biggest stressors and how to tackle them using research-backed coping mechanisms and therapies. Ariana discusses: Why you should be proactive about your mental health Healthy habits to tackle both internal and external stressors The benefits of Cognitive Behavioral Therapy (CBT) Navigating challenges within the mental health system, including insurance coverage and access to care Resources: Psychology Today Zencare William James INTERFACE Referral Service (Serving Communities Across Massachusetts) Connect with Ariana Mufson: Ariana Mufson’s Website Instagram: Ariana Mufson Connect with Peter:  Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group Twitter: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule Time with Peter Book a Call with Peter About Our Guest: Ariana Mufson, LICSW, CST, Psychotherapist, provides psychotherapy for adults with a specialty in anxiety disorders, women’s mental health, and sex therapy (AASECT certified). She has trained in a variety of modalities including CBT (cognitive behavioral therapy), DBT (dialectical behavioral therapy), MI (motivational interviewing), GPM (general psychiatric management), and psychodynamic psychotherapy. Ariana prides herself on using humor and empathy to help clients push through their struggles. She encourages clients to explore their goals for seeking change and supports them in finding the motivation, insight, and skills to cope. Ariana earned her Master of Social Work from Simmons College and completed a two-year residency in the Brigham and Women’s Hospital system. She worked for several years in McLean Hospital’s Dissociative Disorder and Trauma Program, where she also ran inpatient groups and a hospital-wide family support group. Most recently, she served as an outpatient clinician at the Fish Center for Women’s Health, at the Chestnut Hill satellite for Brigham and Women’s Hospital. CRN-6240345-011724 Disclosure: This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. Peter Raskin is a registered representative of Lincoln Financial Advisors. Securities offered through Lincoln Financial Advisors Corp., a broker/dealer. Member SIPC. Investment advisory services offered through Sagemark Consulting, a division of Lincoln Financial Advisors, a registered investment advisor. Insurance offered through Lincoln affiliates and other fine companies. Raskin Planning Group is not an affiliate of Lincoln Financial Advisors. Lincoln Financial Advisors Corp. and its representatives do not provide legal or tax advice. You may want to consult a legal or tax advisor regarding any legal or tax information as it relates to your personal circumstances.

Are you always thinking about reviewing your finances but never seem to get it done? Join us in taking nine New Year’s Resolutions that will help you evaluate and organize your current financial situation. As a financial planner, Peter Raskin shares nine financial resolutions that he will be working on in 2024, along with his family. His thought-provoking questions will empower you to navigate your financial journey with clarity and confidence. Peter discusses: An Essential Checklist for 2024 The importance of regular reviews — even if you already have a financial plan in place Crucial conversations (that should not be delayed) with your partner and/or children Personal anecdotes from his own financial journey Connect with Peter:  Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group Twitter: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule Time with Peter Book a Call with Peter CRN-6219225-011224 Disclosure: This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. Peter Raskin is a registered representative of Lincoln Financial Advisors. Securities offered through Lincoln Financial Advisors Corp., a broker/dealer. Member SIPC. Investment advisory services offered through Sagemark Consulting, a division of Lincoln Financial Advisors, a registered investment advisor. Insurance offered through Lincoln affiliates and other fine companies. Raskin Planning Group is not an affiliate of Lincoln Financial Advisors. Lincoln Financial Advisors Corp. and its representatives do not provide legal or tax advice. You may want to consult a legal or tax advisor regarding any legal or tax information as it relates to your personal circumstances.

One of the goals of this podcast is to help listeners get to know our team better. As days grow shorter and holiday lights fill the darkness, it’s the perfect time to hear from the Raskin Planning Group team and reflect on the past 12 months! Join Peter Raskin as he interviews his colleagues Alex LaCroce, Kathryn Broy, and Tony Araujo about their 2023 highlights. Tune in and get to know our team beyond their professional lives, including their goals, values, and passions. They discuss: Alex’s artistic side and his love for Taekwondo and learning new languages Tony’s experience as our newest member and his upcoming 50th birthday plans Kathryn’s journey of continued education and exciting travel plans for 2024 How each of them dealt with their biggest challenges last year Hypothetically, if they had $100,000 to give to their favorite charities, what causes they would support Resources: UNITED24 Alzheimer’s Foundation of America American Cancer Society Junior Achievement USA Planned Parenthood Earlham College American Society for the Prevention of Cruelty to Animals (ASPCA) Volunteers of America Massachusetts National Public Radio   Connect With Alexander LaCroce: LinkedIn: Alexander LaCroce Connect With Kathryn Broy: LinkedIn: Katheryn Broy Connect with Peter:  Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group Twitter: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule Time with Peter Book a Call with Peter   CRN-6174704-122023   Disclosure: This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. Peter Raskin is a registered representative of Lincoln Financial Advisors. Securities offered through Lincoln Financial Advisors Corp., a broker/dealer. Member SIPC. Investment advisory services offered through Sagemark Consulting, a division of Lincoln Financial Advisors, a registered investment advisor. Insurance offered through Lincoln affiliates and other fine companies. Raskin Planning Group is not an affiliate of Lincoln Financial Advisors. Lincoln Financial Advisors Corp. and its representatives do not provide legal or tax advice. You may want to consult a legal or tax advisor regarding any legal or tax information as it relates to your personal circumstances.

The clock is ticking, days are getting shorter and cooler, and it is hard to believe that Thanksgiving and Christmas are just around the corner. But from a financial perspective, we have less than two months to do tax planning, so what should you be thinking about? In this episode, Peter Raskin discusses the importance of year-round tax planning. He highlights five key considerations: understanding one’s tax bracket, Roth conversions, charitable giving, gifting strategies, and realizing capital gains and losses. Peter emphasizes the benefits of Roth IRAs and the impact of charitable gifts on communities. He also explains the tax implications of holding mutual funds and the strategy of realizing capital gains and losses. Peter discusses: Why tax planning should be done year-round, not just at year-end Five tax planning considerations that are impactful over a longer period Tax bracket planning and understanding marginal tax brackets The importance of working with a tax advisor throughout the tax planning process Advantages of Roth conversions and avoiding higher tax brackets The tax advantages of charitable giving and gifting Realizing capital gains and losses throughout the year as a tax strategy Resources Connect with Peter:  Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group Twitter: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule Time with Peter Book a Call with Peter CRN-6107626-111723 Disclosure: This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. Peter Raskin is a registered representative of Lincoln Financial Advisors. Securities offered through Lincoln Financial Advisors Corp., a broker/dealer. Member SIPC. Investment advisory services offered through Sagemark Consulting, a division of Lincoln Financial Advisors, a registered investment advisor. Insurance offered through Lincoln affiliates and other fine companies. Raskin Planning Group is not an affiliate of Lincoln Financial Advisors. Lincoln Financial Advisors Corp. and its representatives do not provide legal or tax advice. You may want to consult a legal or tax advisor regarding any legal or tax information as it relates to your personal circumstances.

One of the most important aspects of achieving our financial goals is having a clear vision of what you want to accomplish. And just like a travel journey, without a clear goal, it is easy to get distracted, lose motivation, and make poor decisions. However, setting a goal is not enough. You also need to have a plan that outlines the steps you need to take, the resources you need to use, and the challenges you need to overcome.  In this episode, Peter Raskin uses traveling as a metaphor for goal setting and financial planning. He emphasizes the importance of setting clear financial goals and developing unique strategies for each goal. Additionally, he explains the importance of diversifying investments across different sectors to manage market risk and the role of a financial planner when navigating the financial journey. Peter discusses: Why different financial goals require different investment strategies  How 30% of the market value of the S&P 500 is invested in just ten mega tech stocks, emphasizing the importance of diversification The concept of meaningful diversification The importance of risk management and reasonable expectations in achieving long-term financial goals The role of a financial planner as a coach, emphasizing the importance of enjoying the journey, making necessary adjustments, and building confidence And more! Connect with Peter:  Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group Twitter: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule Time with Peter: Book a Call with Peter   CRN-6052775-102623 Disclosure: This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. Peter Raskin is a registered representative of Lincoln Financial Advisors. Securities offered through Lincoln Financial Advisors Corp., a broker/dealer. Member SIPC. Investment advisory services offered through Sagemark Consulting, a division of Lincoln Financial Advisors, a registered investment advisor. Insurance offered through Lincoln affiliates and other fine companies. Raskin Planning Group is not an affiliate of Lincoln Financial Advisors. Lincoln Financial Advisors Corp. and its representatives do not provide legal or tax advice. You may want to consult a legal or tax advisor regarding any legal or tax information as it relates to your personal circumstances.

Feel like you’re always paying more? In this insightful episode, Peter Raskin explains inflation, examining its recent rise and breaking down its impacts on society. He challenges the common belief that inflation affects everyone the same way, shedding light on its distinct impacts across various income levels. In this episode, Peter dives into: Strategies for using inflation insights in investment decisions The role of the Federal Reserve in managing inflation through policy Unique challenges faced by lower-income consumers due to inflation The diminishing purchasing power and what it means for individuals The relationship between inflation, debt service costs, and the influence on various assets and investments And more! Resources: U.S. Bureau of Labor Statistics Consumer Price Index Federal Reserve Connect with Peter:  Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group Twitter: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule Time with Peter: Book a Call with Peter   CRN-5999587-100423 Disclosure: This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. Peter Raskin is a registered representative of Lincoln Financial Advisors. Securities offered through Lincoln Financial Advisors Corp., a broker/dealer. Member SIPC. Investment advisory services offered through Sagemark Consulting, a division of Lincoln Financial Advisors, a registered investment advisor. Insurance offered through Lincoln affiliates and other fine companies. Raskin Planning Group is not an affiliate of Lincoln Financial Advisors. Lincoln Financial Advisors Corp. and its representatives do not provide legal or tax advice. You may want to consult a legal or tax advisor regarding any legal or tax information as it relates to your personal circumstances.

Your wealth is in the details – and we’re diving deep. Join host Peter Raskin and James Spoto, Partner at Spoto CPA, for an eye-opening conversation that unpacks the A to Z of financial planning. Curious about the Tax Cuts and Jobs Act? Need help navigating home sale exclusions or itemized deductions? This episode has got you covered! Peter and James discuss: How the Tax Cuts and Jobs Act can be your friend Unlock strategies to help maximize gains, especially after a loss Learn why HSAs aren’t just for medical bills Get professional  tips on choosing a suitable  investment plan for you And much more! Resources Tax Cuts and Jobs Act Connect with James Spoto: LinkedIn: James Spoto LinkedIn: Spoto CPA, LLC Spoto CPA, LLC Connect with Peter:  Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group Twitter: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule Time with Peter: Book a Call with Peter About James Spoto*: James Spoto is a CPA and co-founder of Spoto CPA, LLC, offering comprehensive services in taxation, accounting, and consulting alongside. As a Bentley College alumnus, James has global accounting expertise spanning 34 countries. Additionally, he is a Finance Committee Chair and actively involved in Sharon, MA Youth Lacrosse. *Not affiliated with Lincoln Financial Advisors.    CRN-5988315-092923 Disclosure: This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. Peter Raskin is a registered representative of Lincoln Financial Advisors. Securities offered through Lincoln Financial Advisors Corp., a broker/dealer. Member SIPC. Investment advisory services offered through Sagemark Consulting, a division of Lincoln Financial Advisors, a registered investment advisor. Insurance offered through Lincoln affiliates and other fine companies. Raskin Planning Group is a marketing name for registered representatives of Lincoln Financial Advisors. Lincoln Financial Advisors Corp. and its representatives do not provide legal or tax advice. You may want to consult a legal or tax advisor regarding any legal or tax information as it relates to your personal circumstances.

Think a retirement plan is just another checkbox? Think again. In this episode, Peter Raskin gives us a deep dive into retirement plan options that fit businesses of all sizes. From 401(k) plans with profit-sharing to traditional 401(k)s and SIMPLE IRAs, Peter explains how flexibility and customization are key to achieving both business and employee objectives. Throughout the episode, Peter covers: The critical importance of aligning retirement plans with unique business objectives How the rise of automatic features like enrollment and escalation are powerful tools to enhance employee participation Why flexibility is key when tailoring your retirement plan options to suit the financial capabilities and objectives The pros and cons of each type of retirement plan, especially considering administrative costs and employee matching features And more! Resources: Episode 32 – Taking Care of Business: Small Business Retirement Plans 401k 403b Connect with Peter:  Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group Twitter: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule Time with Peter: Book a Call with Peter CRN-5935090-090723 Disclosure: This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. Peter Raskin is a registered representative of Lincoln Financial Advisors. Securities offered through Lincoln Financial Advisors Corp., a broker/dealer. Member SIPC. Investment advisory services offered through Sagemark Consulting, a division of Lincoln Financial Advisors, a registered investment advisor. Insurance offered through Lincoln affiliates and other fine companies. Raskin Planning Group is not an affiliate of Lincoln Financial Advisors. Lincoln Financial Advisors Corp. and its representatives do not provide legal or tax advice. You may want to consult a legal or tax advisor regarding any legal or tax information as it relates to your personal circumstances.

How has Boston’s transformation from a hub of blue-collar workers to a hotspot for white-collar specialists impacted its people, identity, and economic dynamics? In this episode, Peter Raskin chats with Larry DiCara, a seasoned real estate lawyer and former Boston city councilor, about the profound shifts Boston has experienced over the years. During their discussion, Larry shares: Boston’s journey from a post-war blue-collar city to its present-day white-collar dominance The noticeable demographic shifts, including reductions in household sizes and school-aged children The change in primary employers from traditional big banks and insurance firms to universities and hospitals The evolving identity of neighborhoods, illustrated by the decline of iconic institutions such as Catholic churches and schools Challenges facing the city’s infrastructure, from an aging subway system to a notable lack of functional swimming pools And more! Resources Book: Turmoil and Transition in Boston by Larry DiCara Connect with Larry DiCara: LinkedIn: Lawrence Dicara Website Connect with Peter:  Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group Twitter: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule Time with Peter: Book a Call with Peter About Larry DiCara: Larry DiCara is among Boston’s most recognized civic leaders in addition to serving as a consultant, lobbyist, and trained mediator. ​ A frequent speaker at colleges, universities and other venues, as well as a regular go-to source in Boston media, Larry has taught at Harvard, Boston University and the University of Massachusetts. ​ Larry has practiced real estate and administrative law and has been intimately involved with the development process in and around Boston for more than 40 years. CRN-5901609-082323 Disclosure: This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. Peter Raskin is a registered representative of Lincoln Financial Advisors. Securities offered through Lincoln Financial Advisors Corp., a broker/dealer. Member SIPC. Investment advisory services offered through Sagemark Consulting, a division of Lincoln Financial Advisors, a registered investment advisor. Insurance offered through Lincoln affiliates and other fine companies. Raskin Planning Group is not an affiliate of Lincoln Financial Advisors. Lincoln Financial Advisors Corp. and its representatives do not provide legal or tax advice. You may want to consult a legal or tax advisor regarding any legal or tax information as it relates to your personal circumstances.

Family plays a pivotal role in shaping young lives, extending a guiding hand that leads troubled youth towards a brighter future. Not every child has access to a supportive family and unconditional love, but every child deserves it. Boys Town’s mission is to give troubled youth the opportunity to get the right kind of care, at the right time, in the right way. In this episode, Peter Raskin dedicates a heartfelt send-off to his co-host, Aric Johnson, who will be returning with his wife to Boys Town. It marks Aric’s final episode, where we learn more about his and his wife’s mission in Boys Town, a charitable organization founded by Father Flanagan in 1917. Aric explains the purpose of Boys Town and how it provides guidance and support to children in need. He highlights the family-style environment fostered at Boys Town and emphasizes the significance of defining family in diverse and meaningful ways. Peter and Aric delve into the importance of giving back and helping others, a theme that resonates throughout their discussion. Peter and Aric discuss: Aric’s journey and involvement with at-risk youth The history and mission of Boys Town Boys Town’s role in providing a safe and nurturing environment for children Creating a family-style environment at Boys Town The significance of defining family in different ways And more Resources: BoysTown.org Boys Town Official Trailer Connect with Aric Johnson: ProudMouth Axis Coaching and Consulting LinkedIn: Aric Johnson [email protected] Connect with Peter:  Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group Twitter: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule Time with Peter: Book a Call with Peter CRN-5866252-080823 Disclosure: This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. Peter Raskin is a registered representative of Lincoln Financial Advisors. Securities offered through Lincoln Financial Advisors Corp., a broker/dealer. Member SIPC. Investment advisory services offered through Sagemark Consulting, a division of Lincoln Financial Advisors, a registered investment advisor. Insurance offered through Lincoln affiliates and other fine companies. Raskin Planning Group is not an affiliate of Lincoln Financial Advisors. Lincoln Financial Advisors Corp. and its representatives do not provide legal or tax advice. You may want to consult a legal or tax advisor regarding any legal or tax information as it relates to your personal circumstances.

How can the opportunity zone legislation help you maximize your tax benefits? Investors can defer capital gains with opportunity zones. In this episode, Peter Raskin speaks with Nino Balduzzi of Griffin Capital about the Opportunity Zone legislation, an investment strategy that incentivizes real estate development in specific census tracks across the country by allowing investors to defer capital gains and potentially receive tax-free appreciation on investments. Nino explains that the legislation designates certain census tracks as Opportunity Zones, aimed at driving economic development in low-income communities. He discusses the benefits of the legislation, including deferral of capital gains and tax-free appreciation on investments held for ten years or more. They also discuss the different phases and timelines involved in investing in qualified opportunity zone funds. Nino discusses: His role at Griffin Capital Who can benefit from this tax strategy What an opportunity fund is, how this one was developed, and its advantages What kind of properties are being developed What an opportunity zone is for these real estate developments The timeline of the different phases of investing in one of these properties How long investors have to invest in these qualified opportunity zone funds Connect with Nino Balduzzi: Griffin Capital LinkedIn: Nino Balduzzi Connect with Peter:  Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group Twitter: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule Time with Peter: Book a Call with Peter CRN-5850667-080123 Disclosure: This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. Peter Raskin is a registered representative of Lincoln Financial Advisors. Securities offered through Lincoln Financial Advisors Corp., a broker/dealer. Member SIPC. Investment advisory services offered through Sagemark Consulting, a division of Lincoln Financial Advisors, a registered investment advisor. Insurance offered through Lincoln affiliates and other fine companies. Raskin Planning Group is not an affiliate of Lincoln Financial Advisors. Lincoln Financial Advisors Corp. and its representatives do not provide legal or tax advice. You may want to consult a legal or tax advisor regarding any legal or tax information as it relates to your personal circumstances.

Planning for retirement is a lot like planning for travel. You need a moldable checklist of decisions that need to be made from a big-picture perspective. In this episode, Peter Raskin shares a 7-step checklist for retirees. He covers important aspects such as expenses, income sources, protection, taxes, portfolio risk, distribution flexibility, and legacy planning, and ties them together to show how interrelated they are. Peter discusses: Budgeting for your wants and needs during retirement The different sources of income available during retirement How to protect your finances in retirement and manage your investment risk Why taxes matter and how they can make a big difference over a long period of time Why it’s important to have flexible distribution options How important legacy planning is Resources: Episode 4 – Tax Planning as a Year-Round Process – Part 1 Episode 55: The Difference Between “Live On” and “Leave On” Assets 59. Investment Gains, Losses And The Taxes Between 70. Descending The Mountain Of Retirement Navigating Market Uncertainty: How to Stay Calm and Invest Smart (Ep. 99) Annuities 101 (Ep. 101) Connect with Peter:  Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group Twitter: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule Time with Peter: Book a Call with Peter CRN-5804931-071223 Disclosure: This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. Peter Raskin is a registered representative of Lincoln Financial Advisors. Securities offered through Lincoln Financial Advisors Corp., a broker/dealer. Member SIPC. Investment advisory services offered through Sagemark Consulting, a division of Lincoln Financial Advisors, a registered investment advisor. Insurance offered through Lincoln affiliates and other fine companies. Raskin Planning Group is not an affiliate of Lincoln Financial Advisors. Lincoln Financial Advisors Corp. and its representatives do not provide legal or tax advice. You may want to consult a legal or tax advisor regarding any legal or tax information as it relates to your personal circumstances.

Are you looking for a way to invest your money and secure your financial future? In this episode, financial planner Peter Raskin interviews commercial real estate investor Michael Price on the benefits of investing in real estate.  Michael aims to provide valuable insights into what it takes to succeed in the industry, such as knowing your market, building long-term relationships, and following your passion.  Peter & Michael discuss: The most important soft & hard skills to have to stay competitive in the industry How to tell if a property aligns with your personal goals and interests as an investor How to avoid some of the most common pitfalls real estate investors make How to get started in the industry–even when you don’t have money for a full down payment And more! Resources: Legacy Real Estate Ventures EastPort Real Estate Services Connect with Peter Raskin:  Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group Twitter: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule Time with Peter Book a Call with Peter Connect with Michael Price: LinkedIn: Michael Price [email protected] About Michael Price:  With over 37 years of hands-on experience in the Boston real estate market, Michael L. Price is now directing Legacy Real Estate Ventures, LLC with a focus on acquisitions and asset management. Since its founding in January 2008, Legacy has purchased 20 properties valued at over $100 million.  Mr. Price has guest lectured on real estate topics at Lehigh University, Babson College, and Brandeis University, and is a member of the faculty of Boston University’s Metropolitan College where he teaches Real Estate Market Analysis. Mr. Price also sits on the Board of Advisors of City North Development, a privately held real estate investment company and is involved in a private investment group that has interests in medical products, parking assets, and technology. CRN-5779101-062823 Disclosure: This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. Peter Raskin is a registered representative of Lincoln Financial Advisors. Securities offered through Lincoln Financial Advisors Corp., a broker/dealer. Member SIPC. Investment advisory services offered through Sagemark Consulting, a division of Lincoln Financial Advisors, a registered investment advisor. Insurance offered through Lincoln affiliates and other fine companies. Raskin Planning Group is not an affiliate of Lincoln Financial Advisors. Lincoln Financial Advisors Corp. and its representatives do not provide legal or tax advice. You may want to consult a legal or tax advisor regarding any legal or tax information as it relates to your personal circumstances.

Let’s have a little refresher on what annuities are, and if you’ve never heard of them before, don’t worry! Peter breaks them down from the beginning. In this episode, Peter Raskin takes us back to the classroom and covers some of the basics about annuities, starting with a recap of what an annuity is. He then dives into why someone should consider an annuity as part of their financial plan, what the different types of annuities are, what risks are involved with variable annuities, the pros and cons of annuities, what it costs to get one, and when an annuity might be appropriate for someone. Peter discusses: What an annuity is Why you should consider an annuity as part of an overall financial plan The different types of annuities What risks are involved with variable annuities What it costs to get an annuity When an annuity might be appropriate for you Some of the different concerns regarding annuities Resources: The Waterboy Clip: Foosball is the Devil Connect with Peter:  Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group Twitter: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule Time with Peter: Book a Call with Peter CRN-5752900-061423 Disclosure: This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. Peter Raskin is a registered representative of Lincoln Financial Advisors. Securities offered through Lincoln Financial Advisors Corp., a broker/dealer. Member SIPC. Investment advisory services offered through Sagemark Consulting, a division of Lincoln Financial Advisors, a registered investment advisor. Insurance offered through Lincoln affiliates and other fine companies. Raskin Planning Group is not an affiliate of Lincoln Financial Advisors. Lincoln Financial Advisors Corp. and its representatives do not provide legal or tax advice. You may want to consult a legal or tax advisor regarding any legal or tax information as it relates to your personal circumstances.

As parents, it’s crucial to have open conversations with our children about their future, especially when it comes to financial independence.  In this episode, Peter Raskin delves into the essential conversations parents should have with their children regarding their future. He explores legal considerations like access to important records to financial aspects such as health insurance coverage and budget adjustments and provides practical insights and steps to navigate this important phase of parenthood.  Peter discusses: The significance of open communication with your child regarding their financial future and the different definitions of independence among families The importance of discussing financial expectations and preparing children for post-high school or college life Key considerations such as access to important records, state residency requirements, health insurance coverage, health savings accounts (HSAs), and financial planning after your child leaves the house The top questions you should have the answers to about your child’s financial future And more Resources: Episode 14 – Health Savings Accounts Are the Best Thing Since Sliced Bread Episode 30 – 4 Options for Funding Your Child’s Education Connect with Peter: Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group Twitter: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule Time with Peter: Book a Call with Peter CRN-5714470-060123 Disclosure: This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. Peter Raskin is a registered representative of Lincoln Financial Advisors. Securities offered through Lincoln Financial Advisors Corp., a broker/dealer. Member SIPC. Investment advisory services offered through Sagemark Consulting, a division of Lincoln Financial Advisors, a registered investment advisor. Insurance offered through Lincoln affiliates and other fine companies. Raskin Planning Group is not an affiliate of Lincoln Financial Advisors. Lincoln Financial Advisors Corp. and its representatives do not provide legal or tax advice. You may want to consult a legal or tax advisor regarding any legal or tax information as it relates to your personal circumstances.

After multiple conversations, Peter has noticed that while his clients are not panicking and selling their stocks and bonds, they are holding onto their assets and feeling uneasy about the current state of the markets. When everyone around you is talking about a potential recession, it is normal to feel anxious. However, it is important to have a solid plan in place to meet your short- and long-term financial needs. In this episode, Peter Raskin shares his insights on investing amidst market volatility and how to structure your investments to meet cash flow requirements and prepare for the future. Peter discusses: Why you should not try to time the market (based on data about past recessions) Safe and liquid investment options that can help you meet your short-term needs The importance of planning for a “worst case scenario” The benefits of working with professionals, such as advisors, attorneys, and accountants And more Connect with Peter:  Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group Twitter: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule Time with Peter: Book a Call with Peter CRN-5674100-050823 Disclosure: This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. Peter Raskin is a registered representative of Lincoln Financial Advisors. Securities offered through Lincoln Financial Advisors Corp., a broker/dealer. Member SIPC. Investment advisory services offered through Sagemark Consulting, a division of Lincoln Financial Advisors, a registered investment advisor. Insurance offered through Lincoln affiliates and other fine companies. Raskin Planning Group is not an affiliate of Lincoln Financial Advisors. Lincoln Financial Advisors Corp. and its representatives do not provide legal or tax advice. You may want to consult a legal or tax advisor regarding any legal or tax information as it relates to your personal circumstances.