As consumers, we're always on the lookout for ways to make our money go further. When interest rates decrease, our purchasing power increases. But what happens when interest rates go up? According to Marcos, this can actually be beneficial for your retirement savings, especially if you know how to navigate the current financial landscape.

Tune in to discover how refinancing parts of your retirement plan could potentially enhance your returns. It might sound like an unusual concept, but in today's high-interest-rate environment, it could be a game-changer for your financial future. If you would like to know why and how you should refinance your retirement, this episode is for you!

Here’s some of what we discuss in this episode:

• The concept of refinancing and why it’s relevant in today’s interest rate environment
• Why it might be a good time to review and potentially refinance your existing annuities
• How increasing interest rates affect different aspects of your financial plan, including growth stocks and bonds
• How higher interest rates are leading to better returns on savings accounts, CDs, and money market accounts
• Why it's crucial to review your investment strategy in light of changing interest rates

WAYS TO CONNECT:

Book a 15-minute discovery call with the team here: https://calendly.com/rachel-bwg

Visit https://bulmanwealth.com/marcos-lemus to learn more about Marcos Lemus and the other members of the team.

If you have any questions about what we discussed or anything else in your financial plan, email us at ask@bulmanwealth.com. You can also reach the team by phone at (916) 458-8199.

Everyone’s retirement situation is going to look a little bit different, with varying asset levels, types, concerns, and goals. In today’s episode, we’ll highlight some key considerations to keep in mind as you plan for your unique retirement. We hope this conversation shows that retirement planning isn't as simple as giving yourself a big paycheck- it’s about effectively using your resources to achieve the life you want!

Here’s some of what we discuss in this episode:

• Prioritizing and planning for risks in retirement
• Aligning your retirement goals with your financial plan
• Utilizing health and long-term care insurance to protect against unexpected expenses
• Exploring protected income options like mutual funds, ETFs, and annuities to safeguard against inflation and provide stable income
• The top risks that most retirees worry about when it comes to retirement

Check out our upcoming events and seminars

https://bulmanwealth.com/general-events/

WAYS TO CONNECT:

Book a 15-minute discovery call with the team here: https://calendly.com/rachel-bwg

Visit https://bulmanwealth.com/marcos-lemus to learn more about Marcos Lemus and the other members of the team.

If you have any questions about what we discussed or anything else in your financial plan, email us at ask@bulmanwealth.com. You can also reach the team by phone at (916) 458-8199.

Do you feel overwhelmed with financial planning and feel there are too many things to tackle? Are you not exactly sure where to get started? Today we will cover our process here at Bulman Wealth Group, guiding you through what it feels like to become a client with us.

Here’s some of what we discuss in this episode:

• The discovery meeting: Getting to know your goals, dreams, and concerns
• Risk assessment and document collection after the first meeting
• Identifying areas of improvement with an initial, high-level financial plan
• The follow-up meeting: Discussing risk score, portfolio analysis, and moving forward
• Transferring your accounts, refining your financial plan, and establishing a client account
• Regular review meetings, continuous communication, and client events

WAYS TO CONNECT:

Book a 15-minute discovery call with the team here: https://calendly.com/rachel-bwg

Visit https://bulmanwealth.com/marcos-lemus to learn more about Marcos Lemus and the other members of the team.

If you have any questions about what we discussed or anything else in your financial plan, email us at ask@bulmanwealth.com. You can also reach the team by phone at (916) 458-8199.

Are annuities the right investment for your retirement? In today’s episode, we’re diving into the world of annuities to help you understand what they are, how they work, and whether they might be a good fit for your retirement strategy. Whether you're new to the concept or looking to deepen your understanding, this conversation should give you some important items to think about.

Here’s some of what we discuss in this episode:

• What is an annuity and how do they work?
• What are some benefits of annuities?
• What are some drawbacks of annuities?
• Who should consider annuities?
• How can annuities fit into a retirement portfolio?

WAYS TO CONNECT:

Book a 15-minute discovery call with the team here: https://calendly.com/rachel-bwg

Visit https://bulmanwealth.com/marcos-lemus to learn more about Marcos Lemus and the other members of the team.

If you have any questions about what we discussed or anything else in your financial plan, email us at ask@bulmanwealth.com. You can also reach the team by phone at (916) 458-8199.

Retirement is a milestone many of us eagerly anticipate, but it also marks a significant change in how we manage our finances. Instead of a regular paycheck, we'll rely on various income streams. So, what income streams will you have in retirement? And how can you plan for this stage before you retire? In today's episode, we'll cover all of that and more.

Here’s some of what we discuss in this episode:

• Strategizing your retirement accounts and Social Security together
• The shift from pensions to defined contribution plans in the U.S.
• The differences between traditional and Roth 401(k)s
• Understanding required minimum distributions in retirement planning
• The difference between tradition and Roth IRAs

WAYS TO CONNECT:

Book a 15-minute discovery call with the team here: https://calendly.com/rachel-bwg

Visit https://bulmanwealth.com/marcos-lemus to learn more about Marcos Lemus and the other members of the team.

If you have any questions about what we discussed or anything else in your financial plan, email us at ask@bulmanwealth.com. You can also reach the team by phone at (916) 458-8199.

The 60/40 strategy, which involves investing 60% in stocks and 40% in bonds, has long been a go-to for risk-averse investors. But does this approach still hold its ground in today’s fast-paced market? Stay tuned as we explore the past, present, and future of this investment strategy and determine whether it’s still a cornerstone of wealth management or if it’s time to adapt to new realities.

Here’s some of what we discuss in this episode:

• What is the 60/40 portfolio and what is its history?
• How have recent economic factors affected the effectiveness of the 60/40 strategy?
• What are the key considerations when rebalancing a portfolio, and what potential risks should investors be aware of?

WAYS TO CONNECT:

Book a 15-minute discovery call with the team here: https://calendly.com/rachel-bwg

Visit https://bulmanwealth.com/marcos-lemus to learn more about Marcos Lemus and the other members of the team.

If you have any questions about what we discussed or anything else in your financial plan, email us at ask@bulmanwealth.com. You can also reach the team by phone at (916) 458-8199.

With the abundance of online advice and self-directed retirement accounts gaining popularity, many are left wondering if going solo is the right move for them. In times of economic stability, it's easy to overlook potential risks and losses, especially when every investment seems like a winner. However, as markets fluctuate and retirement regulations evolve, the DIY approach could come with more risks than expected.

Here’s some of what we discuss in this episode:

• Can you keep your emotions out of the equation?
• Do you have the time to put in the research needed to reach you and your family’s goals?
• How are you protecting yourself from market downturns?
• As you approach retirement, it’s going to get more complicated
• The benefits of working with a financial professional + creating a plan that aligns with your goals

WAYS TO CONNECT:

Book a 15-minute discovery call with the team here: https://calendly.com/rachel-bwg

Visit https://bulmanwealth.com/marcos-lemus to learn more about Marcos Lemus and the other members of the team.

If you have any questions about what we discussed or anything else in your financial plan, email us at ask@bulmanwealth.com. You can also reach the team by phone at (916) 458-8199.

Unfortunately, we’re still seeing the impact of record-high inflation in today’s market. As interest rates may not decline as rapidly as anticipated, retirees face the additional challenge of market volatility impacting withdrawals from IRAs, 401(k)s, Roth IRAs, and other brokerage accounts. So, what are some ways to combat this?

Join us as we share some practical tips for aiming to protect your retirement against inflation.

Here’s some of what we discuss in this episode:

• The current economic landscape + Federal Reserve Chair’s perspective
• Increasing fixed-income securities in your portfolio + Diversifying income sources
• Investing in inflation-protected securities or real estate
• Adjusting your withdrawal strategies + Exploring high-yield saving accounts

WAYS TO CONNECT:

Book a 15-minute discovery call with the team here: https://calendly.com/rachel-bwg

Visit https://bulmanwealth.com/marcos-lemus to learn more about Marcos Lemus and the other members of the team.

If you have any questions about what we discussed or anything else in your financial plan, email us at ask@bulmanwealth.com. You can also reach the team by phone at (916) 458-8199.