Episodios

  • #29 - Portfolio Re-balancing: What is is, who should consider it, and what are the benefits vs risks?

    #29 - Portfolio Re-balancing: What is is, who should consider it, and what are the benefits vs risks?
    Jul 16 2024

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    Have you ever wondered how to keep your financial portfolio in tip-top shape amidst market chaos? Discover the secrets of portfolio rebalancing with Ryan Nelson, the brilliant mind behind Alchemy Wealth Management and the enlightening book "Your Fiscal Physical." Ryan breaks down the art of maintaining balance in your investments through portfolio rebalancing. You'll learn how market fluctuations can disrupt your asset allocation and why it’s crucial to realign your portfolio to match your risk tolerance and financial goals, ensuring lasting stability and growth.

    In our tech-savvy second half, we delve into how technology can simplify this essential financial practice. From time-based to guardrail-based rebalancing strategies, we discuss methods to keep your investments on track. We also have some exciting personal updates, including Aaron's journey with financial planning tools and Ironman 70.3 training, and Ryan's plans to pursue further education. Join us for practical tips and insights that will elevate your financial literacy and set you on the path to financial stability.

    Find "Your Fiscal Physical" the book on Amazon at: rb.gy/3shpfk

    If you have suggestions or feedback, please email us at: Podcast@AlchemyWealth.com

    And, as always, STAY THE COURSE!
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    17 m
  • #28 - When is enough, enough?: How to determine if you need to save more above and beyond your work’s retirement account? | Listener Question

    #28 - When is enough, enough?: How to determine if you need to save more above and beyond your work’s retirement account? | Listener Question
    Jul 9 2024

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    Embark on a financial fitness journey with Ryan Nelson, the brains behind Alchemy Wealth Management, as we traverse the terrain of retirement savings and strategic investing. Whether you're stashing away in a 401(k) or seeking the best ways to leverage a generous employer match, our latest Fiscal Physical Podcast will empower you to align those dollars with your dreams. Ryan, an acclaimed author, brings to the table the art of tailoring your retirement plans to suit your envisioned future, all the while demystifying the 'save 15% of your income' guideline.

    Is your savings rate paving the way to a retirement filled with comfort or compromise? With Ryan's expert analysis, we dissect the profound difference a single percentage can make and illustrate how a disciplined approach can dramatically shorten the path to financial independence. By examining the case of our listener Taylor, who enjoys a hefty 15.5% employer match, we unravel the nuanced tactics that could optimize your timeline for stepping off the career ladder and into leisure. Our conversation is a masterclass in future-proofing your lifestyle, ensuring that the retirement you work towards is the one you truly desire.

    As we wrap up our enriching session, don't overlook the critical difference between a hoard of wealth and a well-crafted, early-access retirement strategy. We explore the benefits of portfolio diversification, like the allure of Roth IRAs, and the significance of aligning your fiscal moves with your personal risk tolerance and goals. If you're seeking to refine your financial acumen, make sure to subscribe and share your thoughts on our podcast. Remember, the journey to a fulfilling retirement is as unique as you are, and the Fiscal Physical Podcast is here to illuminate each step of the way.

    Find "Your Fiscal Physical" the book on Amazon at: rb.gy/3shpfk

    If you have suggestions or feedback, please email us at: Podcast@AlchemyWealth.com

    And, as always, STAY THE COURSE!
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    25 m
  • #27 - Environment, Social and Governance (ESG): What does it mean to be an ESG investor, does it make sense, what’s the actual impact?

    #27 - Environment, Social and Governance (ESG): What does it mean to be an ESG investor, does it make sense, what’s the actual impact?
    Jul 2 2024

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    Witness the unraveling of ESG investing's knotted threads as Ryan Nelson from Alchemy Wealth Management joins me to dissect the intricate blend of ethics and economics. Prepare to have your perspective broadened on how environmental, social, and governance factors intersect with your investment portfolio. We venture beyond the buzzwords and shine a spotlight on the murky waters of ESG criteria, questioning how personal convictions and the political landscape shape what is deemed a worthy investment. Throughout our conversation, we confront the contentious argument of ESG performance against traditional investments, acknowledging a playing field rife with inconclusive data and passionately divided opinions.

    The episode takes a sharp turn as we challenge the conventional wisdom of stock ownership's impact on corporate giants like Chevron, revealing a surprising disconnect between the stock market and a company's financial health. Instead, we spotlight the potent force of shareholder activism in steering corporate behavior toward more sustainable horizons. Our journey through the financial landscape culminates with a whimsical detour into the trivia realm, where we unveil some unexpected facts about U.S. currency production. Tune in for an episode that promises not just insights, but also the tools to navigate the ethical dimensions of your investments.

    Find "Your Fiscal Physical" the book on Amazon at: rb.gy/3shpfk

    If you have suggestions or feedback, please email us at: Podcast@AlchemyWealth.com

    And, as always, STAY THE COURSE!
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    27 m
  • #26 - Target Date Funds (TDF): What is a target date fund, where are they typically found and who might best be served by using one?

    #26 - Target Date Funds (TDF): What is a target date fund, where are they typically found and who might best be served by using one?
    Jun 25 2024

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    Uncover the secrets of making your golden years shine with financial expert Ryan Nelson, as we delve into the world of Target Date Funds (TDFs). Simplify your retirement planning with our robust discussion on how TDFs work to balance your investment portfolio, adapting as you edge closer to bidding farewell to the 9-to-5 grind. We're breaking down 'to' versus 'through' funds, too, offering you the golden key to retirement planning that fits your unique timeline, whether you're counting the days to retirement or looking beyond.

    Join us on this journey of making informed choices for your 401k, where we evaluate the allure of TDFs against the thrill of hand-selecting your own investments. You'll gain insight into the one-size-fits-all approach of TDFs and their costs, and we'll reflect on the financial decisions that shape our lives. From pining for the magic of early Roth contributions to the 'what ifs' of real estate booms, Ryan and I share our tales of financial wisdom and the lessons learned. We'll leave you inspired to take the reins of your financial future, armed with the know-how from our candid conversation.

    Find "Your Fiscal Physical" the book on Amazon at: rb.gy/3shpfk

    If you have suggestions or feedback, please email us at: Podcast@AlchemyWealth.com

    And, as always, STAY THE COURSE!
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    25 m
  • #25 - Qualified Charitable Distributions (QCDs): What are QCDs? Who is eligible to take advantage of them and what are their benefits?

    #25 - Qualified Charitable Distributions (QCDs): What are QCDs? Who is eligible to take advantage of them and what are their benefits?
    Jun 18 2024

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    Unlock the secrets of philanthropy and tax savings with Ryan Nelson of Alchemy Wealth Management in our silver anniversary episode, where we dissect Qualified Charitable Distributions (QCDs) and their lesser-known benefits. Imagine the satisfaction of supporting your favorite charities while strategically lowering your taxable income – that's the power of QCDs for those over 70 and a half. We navigate you through the complexities of this giving option, perfect for individuals who find themselves with ample retirement funds and a desire to make a meaningful impact without the need for additional income. It's not just about generosity; it's smart financial planning that can enhance your legacy.

    Embark on a linguistic odyssey with us as we exchange tales from our multilingual escapades and decode the advantages of adding another language to your arsenal. Whether it's the practical reach of Spanish, the business prowess of Mandarin, or the cultural enchantment of Japanese, we cover the spectrum of language learning with humor and personal insight. Our episode is a mosaic of experiences, from comical language blunders abroad to the profound connections made through the pursuit of new languages. Tune in for a vibrant discussion that could spark your next foray into the world of languages, making every 'hola', '你好', or 'こんにちは' an open door to endless opportunities.

    Find "Your Fiscal Physical" the book on Amazon at: rb.gy/3shpfk

    If you have suggestions or feedback, please email us at: Podcast@AlchemyWealth.com

    And, as always, STAY THE COURSE!
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    17 m
  • #24 - Flexible Spending Account (FSA): What is an FSA, who is eligible and what are the pros vs cons of using one? How do they compare to an HSA?

    #24 - Flexible Spending Account (FSA): What is an FSA, who is eligible and what are the pros vs cons of using one? How do they compare to an HSA?
    Jun 11 2024

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    Unlock the secrets to maximizing your healthcare dollars with Ryan Nelson from Alchemy Wealth Management as he breaks down the intricacies of Flexible Spending Accounts (FSAs), shedding light on this tax-advantaged opportunity. Forget the confusion and frustration of untapped benefits; this episode guarantees you'll walk away with a clear strategy to navigate the "use it or lose it" nature of FSAs. We juxtapose these accounts against the more familiar Health Savings Accounts (HSAs), underscoring critical distinctions, such as the necessity of strategizing contributions to FSAs due to their lack of rollover capabilities and the absence of a requirement for a high-deductible healthcare plan. By tuning in, you're equipping yourself with the knowledge to avoid the common pitfall of over-contributing and to effectively leverage your pre-tax dollars for eligible medical expenses.

    Ryan Nelson doesn't just stop at the basics; he takes us through a tour of the different FSA varieties available—healthcare, limited purpose, and dependent care. With Ryan's expertise, you'll learn to utilize FSAs to their fullest potential, gaining immediate access to your contributions and making your pre-tax dollars work harder for you. Whether it's covering early-year medical expenses or managing the costs of daycare and elder care, we cover the spectrum of benefits these accounts offer. The conversation is not just informative but empowering, as we emphasize the importance of understanding qualifying expenses and staying compliant. By the end of our session with Ryan, FSAs will transform from a daunting financial tool into a powerful ally in managing your personal finances and ensuring your financial health is in its best shape.

    Find "Your Fiscal Physical" the book on Amazon at: rb.gy/3shpfk

    If you have suggestions or feedback, please email us at: Podcast@AlchemyWealth.com

    And, as always, STAY THE COURSE!
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    19 m
  • #23 - Health Savings Account (HSA): What is an HSA, who is eligible and what are the pros vs cons of using one? | Listener Question

    #23 - Health Savings Account (HSA): What is an HSA, who is eligible and what are the pros vs cons of using one? | Listener Question
    Jun 4 2024

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    Unlock the secrets of Health Savings Accounts with Ryan Nelson and me, as we delve into how HSAs can be a game-changer in your healthcare financial planning. Discover the triple tax advantages that make these accounts a critical asset for both immediate and future medical expenses. We'll guide you through the maze of HSA eligibility and contribution limits, ensuring you're equipped to harness the full potential of these powerful tools. Whether you're a financial novice or a savvy investor, our conversation promises to shine a light on the oft-overlooked benefits of HSAs.

    Ever pondered how an HSA could bolster your nest egg? Ryan and I dissect the ways an HSA can fortify your retirement strategy, detailing its unique benefits over traditional retirement accounts like 401(k)s and IRAs. We'll explain why these accounts are more than just a way to save on medical costs—they’re a strategic move for savvy retirement planning. By the end of our chat, you'll understand how to navigate the nuances of HSAs to achieve a more secure financial future, all while avoiding common traps and misconceptions.

    To wrap things up, Ryan and I switch gears and share a slice of life through our favorite travel tales. From whitewater thrills to the festive revelry of Oktoberfest, we reveal how the essence of adventure lies in the company we keep and the memories we create. Our stories span the globe and remind listeners that it's not just about the destinations but the journeys we embark on. So tune in and let us whisk you away on a dual voyage of financial enlightenment and wanderlust – because life's greatest lessons often come from the paths less traveled.

    Find "Your Fiscal Physical" the book on Amazon at: rb.gy/3shpfk

    If you have suggestions or feedback, please email us at: Podcast@AlchemyWealth.com

    And, as always, STAY THE COURSE!
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    31 m
  • #22: Interest Rates and Bond Prices: Bond prices have an inverse relationship with interest rates. What does that mean and why does this relationship exist?

    #22: Interest Rates and Bond Prices: Bond prices have an inverse relationship with interest rates. What does that mean and why does this relationship exist?
    May 28 2024

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    Unlock the mysteries of the financial world with Ryan Nelson of Alchemy Wealth Management as we examine the counterintuitive dance between interest rates and bond prices. Ever wondered why your seemingly stable bond investments fluctuate in value as the market ebbs and flows? Ryan generously shares his expertise, demystifying how an uptick in interest rates can cause your previously attractive bonds to lose their luster, transforming a complex subject into an accessible insight that can guide your investment strategy and help maintain your financial health through market turbulence.

    As we stroll through the landscape of personal finance, I'll walk you through a real-life example, taking you from the highs of a bond valued at $100,000 to the lows when its worth dips to $90,000 due to rising rates. But fear not—the wisdom imparted in this episode is a lifeline in stormy seas, reassuring you that sticking to your financial plan is your North Star towards achieving your monetary goals. And for a touch of whimsy, I'll share my personal yearning for a photographic memory—though not financially relevant, it's a quirky aspiration that just might resonate with your own secret wishes. Join us for an episode packed with practical advice and personal reflections that will leave you both financially savvy and thoroughly entertained.

    Find "Your Fiscal Physical" the book on Amazon at: rb.gy/3shpfk

    If you have suggestions or feedback, please email us at: Podcast@AlchemyWealth.com

    And, as always, STAY THE COURSE!
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    20 m