Look Both Ways Financial

What if your income needs are covered by social security and pensions? The stock market is down and losing money isn't fun. Should you sell out of your equity and switch to CDs? Join Kaki as she offers guidance to Linda on this question.

Its ok to feel nervous. Join Kaki as she gives an example of using the 5 Why technique to help a client get to actionable steps.

Is the state of the economy making you nervous and preventing you from investing? Join Kaki as she answers a question from Jessica. Jessica wants to open a Roth IRA but she is nervous about the economy. The following article was mentioned in this podcast. The S&P 500 Just Hit Correction Territory. History Says the Stock Market Will Do This Next (Hint: It May Surprise You) | The Motley Fool

Charles has been approached by an advisor to implement an options trading strategy within his investment portfolio. Join Kaki as she provides a second opinion to Charles on his question.

Will an inheritance cause me to pay extra Medicare premiums? Join Kaki as she answers a question from Travis related to IRMAA, income related monthly adjustment amount. Mentioned on this podcast episode: www.cms.gov

Robert owns a home and a van. He loves the van life and wants to know if he should keep his home and rent it out or sell his home and live the full time van life. Join Kaki as she helps Robert think about this decision.

What is the best way to save for education? A 529, A roth, an HSA, or a brokerage account? Join Kaki as she discusses the pros and cons of each savings vehicle.

Lindsay received a higher paycheck in December. It took some digging, but she realized that payroll taxes go down after certain income thresholds. Why is this? What do you do with the extra money? Join Kaki as she answer's Lindsay's questions.

So Kaki - what do you do for year end investment and financial planning? What a great question! Join Kaki as she shares her financial planning tips for year end.

What if you found out that someone was being paid wages that were not reported to the IRS? What might be the consequences and how do you know if you are over-reacting? Join Kaki as she answers listener questions.

Do you feel lost and confused during open enrollment when it is time to select a medical insurance plan? You are not alone. Join Kaki as she describes, in plain English, a few steps to take as you decide which medical plan is right for you.

Claire is about to take a vacation that requires a time share presentation. Join Kaki as she shares her own experience owning a time share as well as some things to consider before buying a time share.

This week Kaki answers questions that she has received recently with several people: 1. Can I choose the brokerage for my investments? 2. What happens to all the money when the stock market crashes? Who gets that money? 3. Why doesn't my investment show a gain or loss for today? Funds mentioned in the podcast: VOO, FXAIX

In this episode Kaki answers a question from Marshall about the Windfall Elimination Provision. Marshall has a pension and wants to know if his social security is going to be lower due to the Windfall Elimination Provision. Windfall Elimination Provision (ssa.gov) Government Pension Offset (ssa.gov)

Samantha is in residency and she has student loans hanging over her. She has inherited some money and needs advice on what to do next with this money. Join Kaki as she offers down-to-earth advice to help Samantha think about her options. www.studentaid.gov is mentioned in this podcast.

In this episode Mary tried to find a fiduciary advisor, but she wasn't happy with the meeting. Join Kaki as she explains the murky waters of the "Fiduciary" label as well as giving guidance for Mary's situation. www.adviceonlynetwork.com is mentioned in this podcast.

What happens when your retirement plan at work gets moved? Evan's plan is moving from John Hancock to Voya - the move is making Evan nervous. Join Kaki as she helps Evan think about this change and helps Evan navigate this new change.

Nancy has inherited an IRA and isn't sure how to think about the distributions or the money in general. Join Kaki as she provides guidance including tax planning for required distributions.

Should we consider a whole life insurance policy for our infant son? Join Kaki as she answers a question from Alex.

Bryce is diving assets as part of divorce. Join Kaki as she answers his questions about dividing a 401k.

John has a credit card that earns airline miles. He is curious if a cash back card might be a better option for him. Join Kaki as she helps John think about the pros and cons.

Join Kaki as she answers a listener question about putting a bank account inside a trust. Will the listener still be able to manage their bank account? Kaki answers in plain english!

Stephanie wants to retire at age 60. Should she pay off her house now? Will her assets be enough to let her stop working?

Join Kaki as she tells a story about one of her clients and the power of compound interest.

The calculators are giving me very different results. How do I think about how much retirement income I should expect? Join Kaki Perdue as she answers listener questions.

Join Kaki as she answers listener questions about personal finance! Are there any benefits to switching from bi-weekly to weekly pay? Do I need to invest outside of my Roth IRA? What is the benefit of an HSA? Can I move money from my traditional IRA to my Roth IRA?

Betty is considering an annuity, but she is still a bit unsure. Join Kaki as she helps Betty decide if an annuity is right for her situation.

Bradley needs to buy a car soon. He wants to use a 401k loan so that he is paying himself interest, but he wants to know if there is anything else he should consider. Join Kaki as she answers listener questions. Its approachable!

Are you saving up for something big? You want to invest your money to get a return, but you need something safe? Join Kaki as she gives straight forward advice on short term investing.

Do you know someone who's considering a reverse mortgage? How do you know if a reverse mortgage is a good or bad idea. Join Kaki - she provides an unbiased perspective answering listener questions.

Are you re-married? Are you concerned about your current spouse receiving your retirement benefits? How do you make sure your current spouse is taken care of if an ex-spouse is also entitled to certain retirement benefits? Join Kaki as she answer's listener questions.

Is this Financial Abuse? Kaki answers a listener question on this topic. Abuse is about power and control. If you are experiencing abuse, seek help. 1-800-799-SAFE

Angelique will be the executor of her fathers estate. She wants to understand the tax consequences of selling an inherited home. Join Kaki as she answers listener questions.

What if you have the choice between a 1099 contractor position and being classified as a full time employee.... how do you think about that decision. Join Kaki as she talks to Sam about the process to think through this decision.

Amelia received an inheritance from her Grandmother with a note saying to enjoy the money. How do I think about this inheritance? Join Kaki as she helps Amelia plan ahead. Kaki also explains Depreciation in this episode.

There are some scary headlines about social security running out of money. So how do we know if we should count on social security in retirement, and am I still better off waiting until age 70 to take social security? Join Kaki as she answers a question from Roger. We also talk about the Trustees report: Trustees Report Summary (ssa.gov)

Amber wants help with paying down student loans and saving for retirement at the same time. Join Kaki as she helps provide a framework for thinking planning student loan paydown and saving.

We all have money types. Some are Savers, others are Spenders. Have you ever felt like your spending was out of control? Join Kaki as she offers help to an Anonymous Listener. Links: Full article: Money types, money beliefs, and financial worries: An Australian study (tandfonline.com) Factors Affecting Impulse Buying Behavior of Consumers - PMC (nih.gov)

Does it matter if you pull money from a taxable brokerage account vs. an IRA during retirement? Kaki helps Martin look both ways in creating his retirement income.

Have you ever wondered how couples combine or don't combine finances? Alison is newly married and looking for guidance. Join Kaki Perdue as she talks through a few options for Alison.

When do we know that we have enough to retire? How do we think about this decision in terms of how we live our lives? Join Kaki as she explores this question from Justin.

Can someone really buy a diversified mutual fund and then let it grow? Can you really do it on your own? Join Kaki as she answers listener questions.

Do you have questions about how to improve your credit score? Join Kaki as she answers a question from Harrison about paying down a personal loan, and improving credit scores.

Are you saving for a home purchase and now it seems unaffordable? Join Kaki as she answer's a question about buying a home or a rental property.

Do you have a Health Savings Account from an old employer? What should you do with that old HSA? Plus, Kaki explains some of the pros and cons of the HSA.

Join Kaki as she provides a gentle overview of Bonds in plain English!

Tina needs help - her son wants to invest in the S&P 500. Should she use a Custodial Roth IRA or an UTMA? What are the pros and cons of each account?

How much money do I need to keep for my emergency fund? Join Kaki as she helps listeners learn with a personal story.

How do I think about allocation between bonds and stocks? The Rule of Thumb just seems too conservative for me.

What do you do if your spouse has terminal cancer? How do you prepare financially when you feel completely lost in the financial world? Join Kaki with candid advice.