Category: Financial
How Daily Money Managers Can Help You Maintain Financial Independence with Michelle Brown (Ep. 11)

How Daily Money Managers Can Help You Maintain Financial Independence with Michelle Brown (Ep. 11)

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Are you confident in your financial strategy for retirement? Have you ever wondered who can help manage your day-to-day finances when life’s challenges make it difficult to keep up?

Tim Whisler is joined by Michelle Brown, a daily money manager from Advocate Money Management, who shares her insights on how daily money management can provide critical support, especially for seniors and those undergoing major life changes. Michelle discusses her personal journey of helping her parents through financial challenges, which led her to discover the importance and impact of daily money management. 

Tim and Michelle discuss:

  • Michelle’s personal story of transitioning into daily money management to help her parents
  • The role and services provided by daily money managers, particularly for seniors
  • Real-life examples of how daily money management can address unexpected financial challenges
  • The importance of hiring experienced, reputable professionals to safeguard your finances

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About our Guest: 

Michelle Brown, with two bachelor’s degrees and a robust 27-year career at a Fortune 100 company, has gained extensive experience in budget management, large project execution, systems, and contract negotiations. She has earned her Project Management Professional (PMP) Certification and held leadership positions for most of her career, leading highly engaged teams of up to 30 people. Additionally, she has successfully run her own profitable small business. As a member of the American Association of Daily Money Managers (AADMM), Michelle is background checked, insured, and adheres to their Code of Ethics, ensuring her work always prioritizes her clients’ best interests.

Investment advisory and financial planning services are offered through Foundations Investment Advisors, LLC, an SEC Registered Investment Advisor. Insurance, Consulting, and Education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth and Simplicity Solutions.

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How Annuities Work; the Good, the Bad, and the Ugly (Ep.10)

How Annuities Work; the Good, the Bad, and the Ugly (Ep.10)

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Annuities often carry a bad reputation, but could they be the unsung hero of your retirement plan?

In this episode, Tim Whisler breaks down the complexities of annuities, offering a comprehensive look at their various types and features. He explains how these financial tools can play a crucial role in generating retirement income. You’ll get a balanced perspective on the benefits and drawbacks of annuities, helping you make more informed decisions for your financial future.

Tim covers:

  • A breakdown of the four main types of annuities: immediate, fixed, variable, and indexed
  • How each type functions and the potential benefits they offer
  • A discussion on the often-overlooked fees associated with variable annuities
  • Key questions to ask financial professionals when evaluating an annuity

This episode will leave you with a clearer understanding of how annuities might fit into your retirement strategy.

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Investment advisory and financial planning services are offered through Foundations Investment Advisors, LLC, an SEC Registered Investment Advisor. Insurance, Consulting, and Education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth and Simplicity Solutions.

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How to Kickstart Your Financial Journey (Ep. 9)

How to Kickstart Your Financial Journey (Ep. 9)

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Are you confident that you’ll have enough savings to last through retirement, or does the thought make you uneasy?

Tim Whisler emphasizes the vital need for financial literacy early in life and explores how saving discipline and commitment can pave the way for a secure retirement. We discuss both the benefits and strategies for managing 401(k)s, IRAs, and the burgeoning significance of Roth accounts, ensuring you have the right financial plan set for the decades ahead.

Tim discusses:

  • Differences and benefits of traditional and Roth 401(k) plans.
  • The importance of starting an IRA, both traditional and Roth.
  • Managing Social Security concerns for future financial stability.
  • The critical role life insurance plays in financial planning.
  • And more

 

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Investment advisory and financial planning services are offered through Foundations Investment Advisors, LLC, an SEC Registered Investment Advisor. Insurance, Consulting, and Education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth and Simplicity Solutions.

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Integrating Housing Wealth into Your Retirement Plan with Don Graves (Ep. 8)

Integrating Housing Wealth into Your Retirement Plan with Don Graves (Ep. 8)

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According to recent studies, using housing wealth strategically can extend your retirement savings by five to seven years. Are you prepared to maximize your home’s potential to secure your financial future?

Tim Whistler is joined by Don Graves, President and Founder of the Housing Wealth Institute, to delve into incorporating housing wealth into your retirement income plan through the use of modern reverse mortgages. They explore the fundamentals of reverse mortgages, the benefits of a growing line of credit, and practical case studies on how retirees can utilize this often-misunderstood financial tool to enhance their retirement security.

Don discusses:

  • Understanding the basics and history of reverse mortgages
  • How reverse mortgages can supplement Social Security
  • Utilizing reverse mortgage lines of credit as a volatility buffer
  • Real-life case studies illustrating the strategic use of housing wealth

Resources:

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About our Guest: 

Don Graves, RICP®, CLTC®, CSA® Certified Senior Advisor, is the president and founder of the Housing Wealth Institute, an Author of three books, and Instructor of Retirement Income at The American College of Financial Services. He is considered one of the nation’s leading educators on incorporating housing wealth into retirement income planning.

Investment advisory and financial planning services are offered through Foundations Investment Advisors, LLC, an SEC Registered Investment Advisor. Insurance, Consulting, and Education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth and Simplicity Solutions.

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Understanding Home Equity as a Retirement Asset with Don Graves (Ep. 7)

Understanding Home Equity as a Retirement Asset with Don Graves (Ep. 7)

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Have you ever wondered if home equity could transform your retirement income?

Tim Whistler welcomes Don Graves, President and Founder of the Housing Wealth Institute, to delve into the topic of using housing wealth as part of retirement income planning. Don discusses the concept of the “fourth bucket” represented by home equity and how incorporating it into your retirement strategy can make a significant difference.

Tim and Don discuss:

  • Explanation of the three main retirement buckets: income, investment, and insurance
  • Introduction to the “fourth bucket”: housing wealth and reverse mortgages
  • Misconceptions about reverse mortgages and their practical benefits
  • Growth potential of a reverse mortgage line of credit and its impact on retirement planning
  • And more

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Book a Call with Tim:

Connect with Don Graves:

About our Guest: 

Don Graves, RICP®, CLTC®, CSA® Certified Senior Advisor, is the president and founder of the Housing Wealth Institute, an Author of three books, and Instructor of Retirement Income at The American College of Financial Services. He is considered one of the nation’s leading educators on incorporating housing wealth into retirement income planning.

Investment advisory and financial planning services are offered through Foundations Investment Advisors, LLC, an SEC Registered Investment Advisor. Insurance, Consulting, and Education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth and Simplicity Solutions.

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Navigating Market Volatility in Retirement Planning (Ep. 6)

Navigating Market Volatility in Retirement Planning (Ep. 6)

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Are you prepared for financial uncertainty in your retirement? How can you increase your sense of security as you move past your working years?

Tim Whisler dives into the importance of preparing for financial uncertainty, addressing how retirees can protect their assets from market volatility, ensure a stable income, and manage unexpected expenses like healthcare. 

Tim discusses:

  • What is the impact of market volatility on retirement savings
  • Why are reliable income streams important in retirement
  • What are the strategies for managing withdrawals and tax implications
  • How can you handle healthcare costs and long-term care planning
  • And more

 

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Investment advisory and financial planning services are offered through Foundations Investment Advisors, LLC, an SEC Registered Investment Advisor. Insurance, Consulting, and Education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth and Simplicity Solutions.

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Crafting a Fulfilling Retirement Plan (Ep. 5)

Crafting a Fulfilling Retirement Plan (Ep. 5)

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Many believe that retirement planning is all about saving enough money, but there’s so much more to it. It’s also about realizing what you want your retirement to look like and mapping out a path to get there.

Join Tim Whisler from the Whistler Agency as he delves into transforming your retirement visions into tangible, fulfilling experiences. Tim invites you to expand your imagination and break free from limitations to create the grandest version of your retirement life. He’ll explore practical tips for realizing these dreams, emphasizing the importance of having a proactive, purpose-driven plan for your golden years.

Tim discusses:

  • The concept of creating a “Dream Board” for retirement planning
  • Importance of purpose and maintaining an active lifestyle post-retirement
  • Strategies to finance your dream retirement
  • Discussing the significance of family conversations about future planning
  • And more

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Investment advisory and financial planning services are offered through Foundations Investment Advisors, LLC, an SEC Registered Investment Advisor. Insurance, Consulting, and Education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth and Simplicity Solutions.

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Navigating America’s Retirement Dilemma (Ep. 4)

Navigating America’s Retirement Dilemma (Ep. 4)

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Are you ready to navigate the shifting landscape of retirement planning? Tim shares insights on this topic from a documentary

Tim Whisler dives into the critical shifts in retirement planning, highlighted in the revealing documentary “The Baby Boomer Dilemma” by Douglas Orchard. He explores the importance of protecting assets for retirement income, from defined benefits to defined contribution plans. Tim dives into the dwindling availability of defined benefit plans and the increasing responsibility placed on employees to save for retirement.

Tim discusses:

  • The shift away from traditional pension plans to 401(k) and other defined contribution plans.
  • Insights from “The Baby Boomer Dilemma” documentary on the challenges and solutions for retirement planning.
  • Strategies for generating reliable retirement income and mitigating risks.
  • The importance of financial literacy and education in planning for a financially secure retirement.
  • And more

Resources:

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Investment advisory and financial planning services are offered through Foundations Investment Advisors, LLC, an SEC Registered Investment Advisor. Insurance, Consulting, and Education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth and Simplicity Solutions.

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Understanding Tax Implications in Retirement Planning (Ep. 3)

Understanding Tax Implications in Retirement Planning (Ep. 3)

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Are taxes posing a threat to your retirement income? Are you prepared for the challenges of retirement planning, including taxation and legislative risks? 

Tim Whisler sheds light on the significant role taxes play in retirement planning. He emphasizes the importance of having a strategic plan in place to address taxes and how they can impact your retirement income. 

Tim discusses:

  • How critical is tax planning in retirement
  • Why is it essential to understand the tax classification of retirement assets for creating a withdrawal strategy
  • How does the Secure Act’s impact on inherited IRAs affect potential tax burdens for beneficiaries
  • Why is it important to design a tax-efficient strategy to minimize tax liabilities for beneficiaries and preserve wealth for future generations
  • And more

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Investment advisory and financial planning services are offered through Foundations Investment Advisors, LLC, an SEC Registered Investment Advisor. Insurance, Consulting, and Education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth and Simplicity Solutions.

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Navigating RMDs and Adapting to Legislative Changes with Andy Ives (Ep. 2)

Navigating RMDs and Adapting to Legislative Changes with Andy Ives (Ep. 2)

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How well do you understand required minimum distributions (RMDs) and their impact on retirement planning? Are your plans up to date between the evolving regulations and your own changes in life?

Explore the nitty-gritty of required minimum distributions(RMDs) with Tim Whisler and his guest Andy Ives, IRA analyst with Ed Slott and Company. They discuss how recent legislative shifts could shake up your retirement planning strategies, from the CARES Act to the Secure Act’s new ten-year rule.

Andy touches on:

  • What are Required Minimum Distributions (RMDs)
  • What are the rules surrounding inherited IRAs
  • What changes in RMD rules were brought about by the Secure Act and Secure Act 2.0
  • Why is it important to understand beneficiary designations
  • And more

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About our Guest: 

Andy Ives, CFP®, AIF®, IRA Analyst at Ed Slott and Company, has over 20 years of experience in the financial services industry where he has engaged in a wide range of duties. Andy was a relationship manager at a mutual fund company and sold short duration investment products to institutional clients. Ives wholesaled 401(k) record keeping solutions to financial advisors and direct to business owners. 

Investment advisory and financial planning services are offered through Foundations Investment Advisors, LLC, an SEC Registered Investment Advisor. Insurance, Consulting, and Education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth and Simplicity Solutions.

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License To Spend: Budgeting for Retirement Fulfillment (Ep. 1)

License To Spend: Budgeting for Retirement Fulfillment (Ep. 1)

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You don’t want to be worrying about money during retirement. How can budgeting today help your financial plan last into retirement? Will your money be safe against potential challenges leading up to retirement?

Tim Whisler dives into the idea of a “License To Spend” during one’s golden years, with a focus on the criticality of retirees grasping their incoming funds, outgoings, and the various risks that could arise. Tim shares his wisdom on the financial hurdles that often trip up professional sportspeople and those who strike it lucky with lottery wins, pointing out the significance of managing finances with a firm hand.

Tim discusses:

  • Where does the concept of “license to spend” fit into retirement planning
  • How budgeting breaks down income and spending to create a clear idea of financial standing
  • What role does guaranteed income play in mitigating retirement risks
  • Why is proactive financial management important for a secure retirement

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Investment advisory and financial planning services are offered through Foundations Investment Advisors, LLC, an SEC Registered Investment Advisor. Insurance, Consulting, and Education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth and Simplicity Solutions.

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Improve Breathing for Better Health with Dr. Daniel Klauer (Ep. 46)

Improve Breathing for Better Health with Dr. Daniel Klauer (Ep. 46)

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Everyone knows sleep and air are some of the most important things in life. How can you maximize the benefits of breathing when awake and asleep? How can that increase in air improve other aspects of your life?

In this episode, Tim Whisler speaks with Dr. Daniel Klauer, the clinical director of TMJ, on the importance of nasal breathing for overall health and the potential obstacles that may hinder it. Dr. Klauer emphasizes the significance of evaluating signs of nasal dysfunction and shares tips for improving breathing patterns. 

Dr. Klauer discusses:

  • His qualifications and experience
  • The importance of nasal breathing and its impact on various aspects of life
  • How can signs and symptoms of nasal dysfunction be evaluated 
  • How does sleep apnea impact overall health
  • Why is education on sleep health important
  • And more

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Connect with [guest]

About our Guest: 

Dr. Klauer, AKA Daniel, AKA DK, has even more credentials than he does nicknames (Doctor of Dental Surgery, Diplomat of the American Board of the Craniofacial Pain, Diplomat of the American Board of Dental Sleep Medicine, and Diplomat of the American Board of Craniofacial Dental Sleep Medicine). After attending Notre Dame and playing on the Varsity Golf Team (FORE!), he headed to dental school at Ohio State University and met his wife Hayley in The Ohio City of Columbus. In 2010, they settled in South Bend for work (TMJ for him, IUSB for her) and family (5 kids).

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, a SEC Registered Investment Advisor. Sub-advisory services are provided by Simplicity Solutions, LLC, a SEC Registered Investment Advisor. Insurance, Consulting, and Education services offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth and Simplicity Solutions.

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The First Step in Working with a Retirement Income Planner (Ep. 45)

The First Step in Working with a Retirement Income Planner (Ep. 45)

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Are you nearing retirement and want a set of professional eyes to take a look at your plan? Uncertain about part of your current plan? Working with a retirement income planner could provide resources and information you never thought about.

In this episode, Tim Whisler shares his process of working with a client from the beginning. He discusses the paperwork involved, the timeline for moving funds, and how they track the progress of pending business, emphasizing the importance of communication and providing various ways for clients to reach him.

Tim discusses:

  • How he starts the retirement planning process
  • An example of what the retirement planning process looks like from the first meeting
  • The importance of consistent communication with clients
  • Why documentation of the retirement planning process is essential for both the advisor and the client
  • And more

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Investment advisory and financial planning services offered through Simplicity Wealth, LLC, a SEC Registered Investment Advisor. Sub-advisory services are provided by Simplicity Solutions, LLC, an SEC Registered Investment Advisor. Insurance, Consulting, and Education services offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth and Simplicity Solutions.

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Creating the First Draft of Your Retirement Potential (Ep. 44)

Creating the First Draft of Your Retirement Potential (Ep. 44)

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You’ve talked with your financial advisor and shared your assets and financials. Now is the time for your advisor to transform that information into the first draft of your retirement plan.

In this episode, Tim Whisler dives into the second retirement planning discussion with clients, putting together the information given. He shares the strategies and technology used to build a retirement plan and analyzes various aspects of their financial details, including underperforming funds, market volatility, tax liability, and healthcare expenses.

Tim discusses:

  • The importance of transparency from the clients when it comes to their financial situation
  • How he uses the Retirement Analyzer to help create a first draft of the retirement plan and test it against future outcomes
  • The impact of health care and social security on the stability of the retirement plan
  • Why clients should treat their retirement plan as a living document to be reviewed and updated consistently
  • And more! 

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Investment advisory services are offered through Foundations Investment Advisors, LLC, an SEC Registered Investment Adviser.

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Navigating Financial Change (Ep. 43)

Navigating Financial Change (Ep. 43)

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Change can be a tough process, even if it has the potential to improve our lives, especially when it comes to our finances and retirement planning. 

But why is this the case? What is the right mindset to adopt when facing these changes?

In this episode, Tim Whisler chats about the challenges of adapting to change and why people resist it, specifically in relation to their finances. He shares strategies to overcome resistance to change and his approach to engaging with prospective clients. Additionally, Tim emphasizes the benefits of having a solution to financial problems during retirement, such as a roadmap, reliable income, and understanding ROI.

Tim discusses:

  • The challenges of change and the importance of adapting to it
  • Reasons why people resist change, including fear of the unknown, fear of failure, comfort zones, social pressure, and how these apply when it comes to our finances
  • How to overcome resistance to change 
  • His approach to engaging with prospective clients about their finances
  • The benefits of having a solution to financial problems during retirement
  • And more!

Resources:

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Investment advisory and financial planning services offered through Simplicity Wealth, LLC, a SEC Registered Investment Advisor. Sub-advisory services are provided by Simplicity Solutions, LLC, a SEC Registered Investment Advisor. Insurance, Consulting, and Education services offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth and Simplicity Solutions.

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What People Think About Life After Work and the Planning Behind it (Ep. 42)

What People Think About Life After Work and the Planning Behind it (Ep. 42)

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Retirement comes for everyone eventually. How you prepare for it will dictate your life after work. What are pre-retirees focusing on today?

In this episode, Tim Whisler shares how his company provides a fiduciary service for clients and his views on financial planning. Tim dives into his views on financial services, from income to the financial house and the questions he asks clients that no one else does. 

Tim discusses:

  • The difference between you dictating your lifestyle and your portfolio dictating your lifestyle
  • How advisors worked to mitigate loss early in the pandemic and how these plans have adapted to the market volatility
  • The building blocks of the portfolio house
  • How his fiduciary responsibility guides his financial advice for clients

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Investment advisory and financial planning services offered through Simplicity Wealth, LLC, a SEC Registered Investment Advisor. Sub-advisory services are provided by Simplicity Solutions, LLC, a SEC Registered Investment Advisor. Insurance, Consulting, and Education services offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth and Simplicity Solutions.

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Deep Diving Into Roth IRAs (Ep.41)

Deep Diving Into Roth IRAs (Ep.41)

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It is no secret that Roth IRAs are popular. How much have you heard? How deep into the information have you considered when thinking about including Roth IRA accounts in your retirement plan?

In this episode, Tim Whisler focuses on Roth IRAs, explaining the different aspects of Roth accounts, how they fit within retirement planning and the considerations to consider when choosing to include them within retirement plans. He shares stories about clients who have benefited both from including and excluding the account and how the IRS connects to  IRA accounts.

Tim discusses:

  • What is a Roth IRA
  • The stipulations of withdrawing money from a Roth conversion
  • How the secure act changed the way Roth IRAs are inherited
  • When do to a Roth conversion 

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Investment advisory and financial planning services offered through Simplicity Wealth, LLC, a SEC Registered Investment Advisor. Sub-advisory services are provided by Simplicity Solutions, LLC, a SEC Registered Investment Advisor. Insurance, Consulting, and Education services offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth and Simplicity Solutions.

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Land As Your Legacy Program For Farmers With Lisa Quist NFM-22448AO (10/22) (Ep.40)

Land As Your Legacy Program For Farmers With Lisa Quist NFM-22448AO (10/22) (Ep.40)

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One of the most significant challenges that farmers and ranchers face is having a transition planning program in place.

 In this episode Tim Whisler chats with Lisa Quist, Regional Vice President of Nationwide’s Land As Your Legacy Program. Lisa share’s the program’s purpose and how it helps family farms plan their transition at no cost no obligation to them.

 Lisa discusses:

  • The benefits that the client receive when they go through the program
  • How the program assists business structures and risk management for farmers
  • Why Nationwide decided to implement this program freely for farmers
  • The tools the program offers include giving farmers access to customized roadmaps, building transition plans, and connecting farmers with financial professionals.
  • And more!

Resources:

 Connect with Tim: 

 Book a Call with Tim:

 Connect with Lisa

 About our Guest: 

As a Regional Vice President for Nationwide’s Land As Your Legacy program Lisa Quist specializes in working with financial professionals dedicated to developing comprehensive plans for farmers and ranchers who want to pass on their legacy. She works with the team in Ohio to help farmers, ranchers and other ag business owners build transition plans with the goal of keeping their family’s operation intact and preparing them to transition the operation to the next generation.

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Becoming A Caregiver with Cathy Sikorski (Ep.39)

Becoming A Caregiver with Cathy Sikorski (Ep.39)

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Preparing to become a caregiver means more than physically caring for a loved one; preparing for the future is just as important as preparing for the present.

In this episode, Tim Whisler is joined by Cathy Sikorski, a Family Caregiver, Elder Law Attorney, author and keynote speaker, on being a caregiver and the steps to take before you become one. Cathay shares how to start the conversation, who to talk to about preparing financially and the paperwork needed to let you make decisions.

Cathy discusses:

  • How she started as a caregiver and why she expanded her practice to help others
  • The difference between executor and power of attorney
  • The role of advisors in establishing a plan if a spouse becomes ill
  • Why advisors need to expand into elder care

Resources:

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 Book a Call with Tim:

Connect with Cathy Sikorski

About our Guest: 

Cathy Sikorski has been a significant caregiver for the last 20 years. In addition to that, she has been a practicing attorney in her own practice, dealing largely in Elder Law, with over 12 years of education in issues dealing with Medicare, Medicaid and Social Security. She began her legal career in general practice in a small town where she grew up and was known to a large contingent of the population through her family. Many of her clients were older adults, which lent her practice to dealing with elder issues. 

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, a SEC Registered Investment Advisor. Sub-advisory services are provided by Simplicity Solutions, LLC, a SEC Registered Investment Advisor. Insurance, Consulting, and Education services offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth and Simplicity Solutions.

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Planning For Taxes And Retirement (Ep.38)

Planning For Taxes And Retirement (Ep.38)

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Retirement planning is ever changing, from government planning to your neighbours opinions. What are the considerations of retirement planning from a financial advisor’s perspective?

In this episode, Tim Whisler shares insight gained from a recent IRA workshop and how it changed his thinking towards basic retirement planning accounts, distribution and taxes.

Tim discusses:

  • The role of the IRS in retirement income planning
  • How government spending could impact retirement accounts
  • Why and how do specific age groups impact retirement planning and distribution phase
  • What order should you withdraw from different retirement accounts
  • And more

Resources:

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Book a Call with Tim:

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, a SEC Registered Investment Advisor. Sub-advisory services are provided by Simplicity Solutions, LLC, a SEC Registered Investment Advisor. Insurance, Consulting, and Education services offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth and Simplicity Solutions.

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Preparing Your Financial Plan After Market Volatility (Ep.37)

Preparing Your Financial Plan After Market Volatility (Ep.37)

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During the first six months of 2022, the S&P 500 experienced the worst decrease since 1970. With many mentally prepared for a recession or a depression, it is essential to understand what is currently happening to prepare for the future.

In this episode, Tim Whisler dives into market volatility, the current economic standing and what the future holds in planning financially. He reveals the impact of the war between Russia and Ukraine on the US market, the impact of market volatility during different phases of life and what the future holds for investment planners.

Tim discusses:

  • How the dip in S&P 500 impacted different types of investments
  • The difference between a recession and a depression
  • Why a retirement specialist is necessary during the distribution phase of life
  • How percentages should be calculated within the market to reach equilibrium
  • And more!

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Book a Call with Tim:

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, a SEC Registered Investment Advisor. Sub-advisory services are provided by Simplicity Solutions, LLC, a SEC Registered Investment Advisor. Insurance, Consulting, and Education services offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth and Simplicity Solutions.

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How To Confidently Hire A Financial Advisor (Ep.36)

How To Confidently Hire A Financial Advisor (Ep.36)

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Before hiring a financial advisor and handing over control of years worth of savings, questions should be asked by both involved parties. 

In this episode, Tim Whisler dives into how he helps potential clients avoid unpleasant surprises before they sign on the dotted line. He shares some questions people should ask potential advisors to protect their funds and create confidence in their retirement plan.

Tim discusses:

  • What fiduciary responsibilities an advisor has to their clients
  • Why financial advisors should be open about their compensation with their clients
  • Why it’s important for advisors to tell their clients where their money is going
  • How to mitigate and address risks when developing a retirement income plan
  • And more!

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Book a Call with Tim:

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, a SEC Registered Investment Advisor. Sub-advisory services are provided by Simplicity Solutions, LLC, a SEC Registered Investment Advisor. Insurance, Consulting, and Education services offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth and Simplicity Solutions.

 

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Balancing The See-Saw Of Investment Planning (Ep.35)

Balancing The See-Saw Of Investment Planning (Ep.35)

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Traditionally portfolios balance aggressive investments with bonds after retirement. The reality has both investment options on one side of the investment see-saw.

In this episode, Tim Whisler dives into financial planning when faced with market bumps. He reveals market trends throughout history, discussing the importance of looking beyond the numbers when planning your portfolio and the struggle to balance the see-saw of investment planning.

Tim discusses:

  • How longevity impacts the risks of financial planning
  • The illusion of diversification
  • Why retirement investment focuses on conservative investments over yields
  • Planning for increased health costs during retirement
  • And more!

Resources:

Connect with Tim: 

Book a Call with Tim:

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, a SEC Registered Investment Advisor. Sub-advisory services are provided by Simplicity Solutions, LLC, a SEC Registered Investment Advisor. Insurance, Consulting, and Education services offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth and Simplicity Solutions.



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Avoiding The Down While Earning The Up with Laurence Black (Ep. 34)

Avoiding The Down While Earning The Up with Laurence Black (Ep. 34)

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Buy low, sell high is a phrase often used. 

What about learning how to avoid the down while earning on the up?

In this episode, Tim Whisler is joined by Laurence Black, founder and index advisor at The Index Standard. Laurence shares his expertise in index strategies and investment planning, revealing the importance of planning for the future by decoding current statistics.

Laurence discusses:

  • Why he decodes indices over creating new ones
  • How inflation impacts investment planning
  • The importance of diversity within portfolios
  • The risk factor within portfolios
  • And more!

Connect with Tim: 

Book a Call with Tim:

Connect with Laurence Black

About our Guest: 

Laurence Black is the founder of The Index Standard and an index advisor to Professor Robert J Shiller. The Index Standard is an information portal providing ratings, forecasts and guides unmasking the mystique behind indices and making finance more approachable. Earlier in his career Laurence instigated the Shiller Barclays Index family with Barclays and Professor Shiller. He has appeared interviews with the Financial Times, Bloomberg and Structured Retail Products and is a frequent contributor on index thought leader pieces.

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, an SEC Registered Investment Advisor. Sub advisory services are provided by Simplicity Solutions, LLC, an SEC Registered Investment Advisor. Insurance, consulting, and education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth and Simplicity Solutions.

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It’s All About Who You Know with Jeremy Houser (Ep. 33)

It’s All About Who You Know with Jeremy Houser (Ep. 33)

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In any industry, it’s not just about what you know. It’s about who you know.

In this episode, Tim Whisler is joined by Jeremy Houser, vice president and senior advisor development consultant at InsurMark and host of the Advisor Mentorship Podcast. Jeremy shares his knowledge as an outside mentorship source, revealing the benefits of leveraging industry experts when evolving your business.

Jeremy discusses:

  • What retirees and soon to be retirees should look for from their advisors
  • How financial advisors help clients understand investment alternatives
  • Some of the most common considerations for potential clients
  • The importance of adaptation to the current market
  • And more!

Connect with Tim: 

Book a Call with Tim:

Connect with Jeremy Houser:

About our Guest: 

As a trusted consultant and partner to the advisors, Jeremy Houser serves in retirement planning, he helps provide practice management through our process to help unlock an advisor’s full potential. Through his proven successful process, he works to help advisors professionalize all phases of their business and focus on growth that is achievable year after year.

 

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, an SEC Registered Investment Advisor. Sub advisory services are provided by Advisory Alpha, LLC, an SEC Registered Investment Advisor. Insurance, consulting, and education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth, LLC, and Advisory Alpha, LLC.

 

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32. Retirement Planning in 2022

32. Retirement Planning in 2022

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The U.S. Federal Reserve continues to remain uncertain in the early months of 2022. 

Because of this, for those in or entering retirement, planning for the future is more important than ever.

In this episode, Tim Whisler dives into retirement planning preparations for 2022, focusing on retirees and how inflation, market volatility, and taxes impact those entering retirement. He also reveals how supply and demand increase the cost of products and services, the impact of uncertainty on the financial market, and his advice for clients on what to budget for during retirement.

Tim discusses:

  • The dangers of market volatility on portfolios
  • How inflation impacts the amount required for retirement
  • Why including a budget for fun is necessary for retirement
  • The impact of taxes on retirement planning in 2022
  • And more!

Resources:

Connect with Tim: 

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, an SEC Registered Investment Advisor. Sub advisory services are provided by Advisory Alpha, LLC, an SEC Registered Investment Advisor. Insurance, consulting, and education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth, LLC, and Advisory Alpha, LLC.

 

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31. What’s Covered And What’s Not With Medicare

31. What’s Covered And What’s Not With Medicare

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Medicare can seem like a foreign language to those who don’t look into it on a regular basis.

In this episode, Tim Whisler discusses what you need to know about Medicare when planning for retirement. He reveals the different parts of Medicare plans, the role of each and the coverage they provide. Tim discusses the importance of understanding what your expenses are and how much items such as your prescriptions will cost after Medicare coverage.

Tim discusses:

  • What Medicare is and what it covers
  • The different pieces of your Medicare plan
  • The importance of understanding your costs when choosing a plan
  • And more

Connect with Tim: 

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, an SEC Registered Investment Advisor. Sub advisory services are provided by Advisory Alpha, LLC, an SEC Registered Investment Advisor. Insurance, consulting, and education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth, LLC, and Advisory Alpha, LLC.

 

 

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30. Navigating The RMDs Of Retirement Planning

30. Navigating The RMDs Of Retirement Planning

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You may hear about RMDs from your retirement planner. But how do required minimum distributions impact your personal retirement plan?

In this episode, Tim Whisler shares his knowledge of RMDs, discussing how pensions evolved to retirement accounts with RMDs and the differences between the withdrawal rules of different accounts. He reveals the importance of including the RMDs within your retirement plan and how they can impact your beneficiaries after you are gone.

Tim discusses:

  • What RMDs are
  • How different types of retirement accounts are impacted by RMDs
  • The benefits of gifting your RMD
  • How your beneficiaries could move up a tax bracket from their inheritance
  • And more

Resources:

Connect with Tim: 

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, an SEC Registered Investment Advisor. Sub advisory services are provided by Advisory Alpha, LLC, an SEC Registered Investment Advisor. Insurance, consulting, and education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth, LLC, and Advisory Alpha, LLC.

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29. The Life Of Money After Death

29. The Life Of Money After Death

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Death and taxes are the two most certain events in a person’s life. How can you continue the implementation of your financial plan after death?

In this episode, Tim Whisler discusses the difficult topic of death and how to plan financially for this certainty in life. Tim shares two stories about death and the financial planning involved. He discusses how having a plan can not only ease the transition but also increase the legacy you leave behind for future generations.

Tim discusses:

  • The importance of having a conversation about death with your loved ones and your advisor
  • What could happen to your estate without a proper plan
  • How simple planning can ease the transition of your estate after you’re gone
  • How to increase the legacy you leave behind
  • And more

Connect with Tim: 

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, an SEC Registered Investment Advisor. Sub advisory services are provided by Advisory Alpha, LLC, an SEC Registered Investment Advisor. Insurance, consulting, and education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth, LLC, and Advisory Alpha, LLC.

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28. Social Security Beyond “Death Do Us Part” with Beth Ingle

28. Social Security Beyond “Death Do Us Part” with Beth Ingle

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Marriage vows always speak about “until death do us part”—Social Security works beyond death.

In this episode, Tim Whisler is joined again by Beth Ingle, a certified senior advisor with Living By Your Design. Tim and Beth use examples to discuss spousal benefits and survivor benefits of Social Security and detail how different scenarios could impact the benefits each party receives.

Beth discusses:

  • How Social Security spousal benefits are calculated
  • What survivor benefits means for your own Social Security
  • The difference between a widow and a divorcee when calculating Social Security benefits
  • The transition from survivor benefits to personal Social Security benefits
  • And more!

Resources:

Connect with Tim: 

Connect with Beth:

About our Guest: 

Beth Ingle has 40+ years of working with people and helping them make life changing decisions. The first 37 years were spent working as a Service Representative, Claims Representative and a Technical Expert with the Social Security Administration. It was a rewarding but challenging career and helped her realize that she wanted to continue helping others, particularly Older Americans, after she retired. Beth has spent the past 5 years working for Living By Your Design helping others make some very difficult, life altering decisions for themselves or their parents. By treating them with compassion and respect she hopes that she has been able to give them Peace of Mind as they navigate the journey of aging.

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, an SEC Registered Investment Advisor. Sub advisory services are provided by Advisory Alpha, LLC, an SEC Registered Investment Advisor. Insurance, consulting, and education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth, LLC, and Advisory Alpha, LLC.

 

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27. Prepare for the Future Without a Crystal Ball

27. Prepare for the Future Without a Crystal Ball

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There is always a risk when entering the stock market. What will that risk be in 20, 30, 40 years when you retire?

In this episode, Tim Whisler takes a deep dive into sequence of return risk, detailing what it is and how he helps clients prepare for the future without a crystal ball. Tim discusses how he turns potential losses into zeroes and the benefits of such transformations within your retirement plan.

Tim discusses:

  • The two main phases of life in your financial plan
  • The uncertainty of the future when planning for retirement
  • The benefits of zeroes over losses within your investments
  • And more!

Resources:

  • Watch the video HERE!

Connect with Tim: 

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, an SEC Registered Investment Advisor. Sub advisory services are provided by Advisory Alpha, LLC, an SEC Registered Investment Advisor. Insurance, consulting, and education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth, LLC, and Advisory Alpha, LLC.

 

 

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26. Optimizing Your Social Security With Beth Ingle

26. Optimizing Your Social Security With Beth Ingle

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With so many people in the US taking advantage of Social Security benefits within their retirement plan, it’s important to fully understand how to make the most of the program and ensure that you’re receiving the optimal benefit..

In this episode, Tim Whisler is joined by Beth Ingle, a certified senior advisor with Living By Your Design. Beth shares her knowledge about Social Security benefits and discusses what could happen to your benefits if you choose to return to work after retirement.

Beth discusses:

  • How you can access your Social Security information online
  • The role of Social Security in your retirement plan
  • The impact of working part time on your retirement benefits
  • How your age when accepting Social Security changes your benefits
  • And more!

Resources:

Connect with Tim: 

Connect with Beth:

About our Guest: 

Beth Ingle has 40+ years of working with people and helping them make life changing decisions. The first 37 years were spent working as a Service Representative, Claims Representative and a Technical Expert with the Social Security Administration. It was a rewarding but challenging career and helped me realize that I wanted to continue helping others, particularly Older Americans, after I retired. I have spent the past 5 years working for Living By Your Design helping others make some very difficult, life altering decisions for themselves or their parents. By treating them with compassion and respect she hopes that she is able to give them Peace of Mind as they navigate the journey of aging.

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, an SEC Registered Investment Advisor. Sub advisory services are provided by Advisory Alpha, LLC, an SEC Registered Investment Advisor. Insurance, consulting, and education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth, LLC, and Advisory Alpha, LLC.

 

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25. Trust the Experts with Your Retirement Planning

25. Trust the Experts with Your Retirement Planning

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When you have a water leak, you call a plumber. When you need to create or manage a retirement plan, you call a retirement income specialist.

In this episode, Tim Whisler discusses the role that a retirement expert plays within retirement planning. Tim shares the difficulties of self-managing a retirement plan and the different elements of a holistic financial plan.

Tim discusses:

  • Why you should hire a retirement expert
  • The difficulties of taking financial advice from friends and family
  • The importance of understanding the different stages of life and how your spending will change
  • The role of liaising gains and relieving pains in your retirement plan
  • And more!

Connect with Tim: 

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, an SEC Registered Investment Advisor. Sub advisory services are provided by Advisory Alpha, LLC, an SEC Registered Investment Advisor. Insurance, consulting, and education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth, LLC, and Advisory Alpha, LLC.

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24. What is the Ideal Age of Retirement?

24. What is the Ideal Age of Retirement?

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Your retirement age can impact the cost and benefits gained during your retirement.

In this episode, Tim Whisler reveals the flow of retirement as you age, from high to low spending. Tim discusses the risks you should consider when planning retirement and how a delay in retirement could grant you huge financial benefits.

Tim discusses:

  • The retirement spending smile
  • The importance of risk management when it comes to your retirement spending
  • How delaying your RMDs to a certain age could increase your benefits
  • And more!

Connect with Tim: 

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, an SEC Registered Investment Advisor. Sub advisory services are provided by Advisory Alpha, LLC, an SEC Registered Investment Advisor. Insurance, consulting, and education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth, LLC, and Advisory Alpha, LLC.

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23. The Psychology Behind Your Money Woes with Maggie Klokkenga

23. The Psychology Behind Your Money Woes with Maggie Klokkenga

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Have you ever felt you were living paycheck to paycheck, or felt stressed when talking to a financial advisor about your financial situation?

Did you know that these reactions have a scientific explanation?

In this episode, Tim Whisler is joined by Maggie Klokkenga, CPA, CFP®, financial coach at Make A Money MindShift, LLC. Maggie shares her journey from financial planning to financial coaching and the fascinating psychology behind our understanding and relationship with money.

Maggie discusses:

  • The importance of understanding your relationship with money
  • The psychology behind monetary struggles
  • How money scripts subconsciously influence everyone
  • And more!

Connect with Tim: 

Connect with Maggie Klokkenga

About our Guest: 

Maggie Klokkenga is a CERTIFIED FINANCIAL PLANNER™ professional and CPA and has worked in the financial industry for almost 25 years. In that time, she’s worked with couples to help them make their money work for them. She’s studying for the Accredited Financial Counselor (AFC) designation because she knows how emotional talking about money can be. Maggie seeks out and continues to receive training that best helps clients use their money to reach their financial goals.

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, an SEC Registered Investment Advisor. Sub advisory services are provided by Advisory Alpha, LLC, an SEC Registered Investment Advisor. Insurance, consulting, and education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth, LLC, and Advisory Alpha, LLC.

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22. The Gift Of Giving with Phil Newton

22. The Gift Of Giving with Phil Newton

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When you hear the word legacy, what comes to mind? What do you want your legacy to be? The legacy you leave behind can begin with a simple donation.

In this episode, Tim Whisler is joined by Phil Newton, founder and partner of Perennial Partners. Phil shares how charitable gifting can be beneficial for your retirement planning and your financial legacy.

Phil and Tim discuss:

  • The benefit of donating your IRA distribution to charity
  • How to donate a life insurance policy
  • The importance of donating, not matter the amount
  • And more!

Connect with Tim:

Connect with Phil:

About Our Guest:

From 1993 to 2014, Phil Newton has worked in administration at four Peoria and Bloomington IL charities, including 12 years as Executive Director at South Side Mission.  In his time there, he helped grow the organization’s budget 250% during recessionary times, without any government funding.  Also in that time, he helped the organization eliminate debt and amass a year-end cash on hand equal to one fifth of its annual budget with the use of wills, trusts & life insurance giving.  In his time at South Side Mission, Phil also completed two Five Year Strategic Plans and developed a strong Board of Directors/staff/volunteers partnership in fundraising.  During his time there in 2008, South Side Mission was named one of the Top 10 Grassroots Ministries in America (Samaritan Award) by World Magazine and the Acton Institute of Grand Rapids, MI.

He has enjoyed success in all aspects of fundraising; from planned giving and major gifts to grantsmanship, annual giving, and even charity business development.  He is adept at “thinking outside the box” to help organizations develop and maximize revenue.  His marketing and public relations background has served well the organizations for whom he has worked as each of them have raised their profile and developed vibrant niches under his direction.

Phil is a graduate of Auburn University with a Master of Arts in Communication with a Public Relations emphasis.  While at Auburn, he had a paper accepted for the annual SCA convention.   His Bachelor’s degree is also in Communication, from Eastern Illinois University, where he was a part of their collegiate speech team, earning national qualifier status in 1992.

Beginning Perennial Partners in 2014, Phil has worked with more than 50 nonprofits and small businesses.  Budget sizes range from $3,000 annual all the way up to $24 million.

Phil lives in Peoria with his wife, and five children.  In 2012, he authored Homeschoolers, Hippies & Heirloom Tomatoes which is available on Amazon.  In his spare time, he loves supporting his children’s activities, the great outdoors, and playing guitar.

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, an SEC Registered Investment Advisor. Sub advisory services are provided by Advisory Alpha, LLC, an SEC Registered Investment Advisor. Insurance, consulting, and education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth, LLC, and Advisory Alpha, LLC.

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21. The Ergonomic Lifestyle At Home With Pauline Pearson

21. The Ergonomic Lifestyle At Home With Pauline Pearson

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With many working from home due to COVID, how can you maintain a healthy lifestyle while working in a less ergonomic environment?

In this episode, Tim Whisler is joined by Pauline Pearson, a licensed massage therapist dedicated to helping others achieve their healthiest selves. She reveals what you can do while working from home to achieve a healthier lifestyle and the importance of relaxing and recharging yourself physically and mentally.

Tim and Pauline discuss:

  • The importance of discovering the core problem of your pain
  • The importance of fluidity within your body
  • Why you should listen to the pain signals your body sends
  • And more!

Connect with Tim: 

Connect with Pauline:

About Pauline:

Pauline is a dedicated and licensed massage therapist located in Morton, IL. With a passion for relaxation and healing, Pauline has spent years learning and honing her skills to help you become the healthiest version of yourself.

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, an SEC Registered Investment Advisor. Sub advisory services are provided by Advisory Alpha, LLC, an SEC Registered Investment Advisor. Insurance, consulting, and education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth, LLC, and Advisory Alpha, LLC.

 

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20. How To Find Your Personal Retirement Number

20. How To Find Your Personal Retirement Number

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What is your magic number to create the retirement you dream about? Do you know how much you truly need to have saved to live your dream retirement?

In this episode, Tim Whisler shares his process for helping clients create a retirement plan around their personal retirement number. Tim discusses the important questions you should be asking yourself and how the answers could benefit your retirement plan.

Tim discusses:

  • The importance of understanding your expected expenses in retirement
  • How taxes could impact your retirement income
  • Five risks you face when planning for retirement
  • And more!

Connect with Tim: 

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, an SEC Registered Investment Advisor. Sub advisory services are provided by Advisory Alpha, LLC, an SEC Registered Investment Advisor. Insurance, consulting, and education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth, LLC, and Advisory Alpha, LLC.

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19. Mistakes That Could Jeopardize Your Retirement — Part 2

19. Mistakes That Could Jeopardize Your Retirement — Part 2

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How much are you paying in fees and taxes on your retirement plan? Do you know how much less you could be paying when you learn about other retirement accounts?

In part two of this two-part series, Tim Whisler reveals the last five mistakes that could jeopardize your retirement. He discusses how fees and taxes could impact your retirement planning, along with the different types of accounts that could benefit you in your retirement.

You will learn:

  • The account fees you are paying instead of saving
  • How taxes impact your retirement planning
  • The benefit of rolling your 401(k)
  • The importance of assigning specific roles to your retirement accounts
  • And more!

Resources: Tim Whisler | The Whisler Agency: (309) 291-0491

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, an SEC Registered Investment Advisor. Sub advisory services are provided by Advisory Alpha, LLC, an SEC Registered Investment Advisor. Insurance, consulting, and education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth, LLC, and Advisory Alpha, LLC.

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Episode 18 – Retirement Planning 101—Part 1

Episode 18 – Retirement Planning 101—Part 1

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You don’t have to be a professional financial advisor to understand the basics of planning.

In part one of this two-part series, Tim Whisler dives into five of the most common mistakes 401(k) and IRA owners make. Tim helps you discover the taxes you are paying but shouldn’t be, and shares ways you could save even more.

You will learn:

  • 5 of the most common errors 401(k) and IRA owners make
  • The potential advantages and drawbacks of withdrawing IRA inheritance
  • How the SECURE Act impacted retirement income
  • The taxes you can avoid paying for different planning mistakes
  • And more!

Listen now as Tim Whisler reveals the taxes you could avoid when planning your retirement!

Resources: Tim Whisler | The Whisler Agency: (309) 291-0491

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, an SEC Registered Investment Advisor. Sub advisory services are provided by Advisory Alpha, LLC, an SEC Registered Investment Advisor. Insurance, consulting, and education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth, LLC, and Advisory Alpha, LLC.

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Episode 17 – Protection In The Digital Age – With Kirk Hasty

Episode 17 – Protection In The Digital Age – With Kirk Hasty

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In the digital age, hackers are expected. How can you ensure that you are protected online?

In this episode, Tim Whisler is joined by Kirk Hasty, senior client solution architect at VMware Carbon Black, to discuss cyber security and the threat of online attackers. Tim and Kirk share steps you can take to keep your information safe and secure.

You will learn:

  • The importance of cyber security in a highly technological time
  • The security dangers of posting on social media
  • Simple steps to protect yourself online
  • How to keep your kids secure as they begin to spend time online
  • And more!

Discover how you could be targeted online and ways to protect your digital identity with Kirk Hasty!

Resources:

Tim Whisler | The Whisler Agency: (309) 291-0491 | VMware Carbon Black | Kirk Hasty | Have I Been Pwned | Last Pass | 1 Password | Kee Pass | Nord VPN | Privacy | Qustodio | Net Nanny

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, an SEC Registered Investment Advisor. Sub advisory services are provided by Advisory Alpha, LLC, an SEC Registered Investment Advisor. Insurance, consulting, and education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth, LLC, and Advisory Alpha, LLC.

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Episode 16 – Is It Really A Financial Sugar Rush?!

Episode 16 – Is It Really A Financial Sugar Rush?!

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Considering the stimulus spending rates, debt issues, GDP ratios, and market factors—is the economy truly on a sugar rush? 

In this episode, Tim Whisler explains what’s going on in the market now with all the big changes that have happened recently, and how you can potentially benefit from them!

You will learn:

  • The stimulus spending rates and reasons Tim believes it has become a “desensitized” issue 
  • The truth about debt in the United States 
  • The current Gross Domestic Product (GDP) scenario
  • Why the market is “hyper” rather than volatile 
  • Reasons why you should make zero your hero
  • And more!

Tune in and discover exactly how to make the most out of these existing components in today’s economy! 

Resources:  Episode 2: Zero Is The Hero   | Tim Whisler | The Whisler Agency: (309) 291-0491 | US Debt Clock | Stress-Free Retirement

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, an SEC Registered Investment Advisor. Sub advisory services are provided by Advisory Alpha, LLC, an SEC Registered Investment Advisor. Insurance, consulting, and education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth, LLC, and Advisory Alpha, LLC.

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Episode 15 – So You’re Retiring or Switching Jobs: What Do You Do With Your 401(k)?

Episode 15 – So You’re Retiring or Switching Jobs: What Do You Do With Your 401(k)?

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A 401(k) retirement plan offered by your employer can be a great savings tool, as long as you take advantage of it, and manage it correctly.

However, 401(k) questions surrounding employment, retirement, taxes, and the IRS arise all the time, and to clarify potential doubts, Tim Whisler reviews them all to explain the different 401(k) uses, whether you are moving on to new opportunities or simply retiring. 

In this episode, you will learn:

  • The five available options for someone with a 401(k) who is switching jobs 
  • What you should know about leaving and moving your 401(k) plan from your previous to your current employer
  • Why you shouldn’t cash your 401(k) plan early
  • How to roll your 401(k) plan into an IRA
  • The role of taxes and income streams when it comes to your 401(k) and retirement
  • And more!

Tune in to find out how to efficiently handle and make use of your 401(k) retirement plan! 

Resources: Tim Whisler | The Whisler Agency: (309) 291-0491 

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, an SEC Registered Investment Advisor. Sub advisory services are provided by Advisory Alpha, LLC, an SEC Registered Investment Advisor. Insurance, consulting, and education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth, LLC, and Advisory Alpha, LLC.

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Episode 14 – A Deep Dive Into Longevity Planning – Part 2 – With Bill Comfort, CSA®, CLTC®

Episode 14 – A Deep Dive Into Longevity Planning – Part 2 – With Bill Comfort, CSA®, CLTC®

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By now, you know that you MUST prepare for longevity as you approach retirement. 

But what does the process look like? What are the available options for long-term care policies?  How to fund a plan?  What are the key policy elements?

In part two of this mini-series, Tim Whisler is once again joined by the president of Comfort Long Term Care, and the director of training and development for the certification in long-term care designation, Bill Comfort. This time, Bill takes a deep dive into longevity planning – all this to help YOU find and determine the best long-term care policy. 

In this episode, you will learn:

  • How long-term care insurance companies have evolved to create the plans that are available today
  • The difference between the traditional, stand-alone, and asset-based or hybrid long-term care insurance plans 
  • How professionals like Bill and Tim can help you repurpose your dollars to prepare for care and potential emergency expenses 
  • Biggest myths surrounding long-term care insurance 
  • And more!

Listen in to find out how policies in place allow individuals and families to transition from care provider to care supervisor! 

Resources: Tim Whisler | The Whisler Agency | (309) 291-0491 | Bill Comfort, CSA®, CLTC® | Comfort Long Term Care 

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, an SEC Registered Investment Advisor. Sub advisory services are provided by Advisory Alpha, LLC, an SEC Registered Investment Advisor. Insurance, consulting, and education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth, LLC, and Advisory Alpha, LLC.

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Episode 13 – Planning for Long-Term Care as You Plan For Longevity in Retirement – With Bill Comfort, CSA®, CLTC®

Episode 13 – Planning for Long-Term Care as You Plan For Longevity in Retirement – With Bill Comfort, CSA®, CLTC®

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When approaching retirement, retirees and pre-retirees should focus on learning new things, having a comfortable income stream, and most importantly, planning for longevity.

In this episode, Tim Whisler sits down with the president of Comfort Long Term Care, and the director of training and development for the certification in long-term care designation, Bill Comfort, CSA®, CLTC®. Bill explains the importance of addressing longevity in your retirement income plan to achieve a comfortable and long retirement. 

In this episode, you will learn:

  • The details of Bill’s 30 year journey in the industry 
  • The meaning of long-term care  
  • The difference between long-term care and healthcare 
  • The truth about at-home long-term care 
  • Common long-term care myths and misconceptions 
  • How COVID-19 has changed the way retirees receive long-term care 
  • And more!

Tune in to find out why planning is so important when considering long-term care insurance! 

Resources: Tim Whisler | The Whisler Agency | (309) 291-0491 | Bill Comfort, CSA®, CLTC® | Comfort Long Term Care 

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, an SEC Registered Investment Advisor. Sub advisory services are provided by Advisory Alpha, LLC, an SEC Registered Investment Advisor. Insurance, consulting, and education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth, LLC, and Advisory Alpha, LLC.

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Episode 12 – Growing Spiritually Through Athletic Programs – With Chad Bailey

Episode 12 – Growing Spiritually Through Athletic Programs – With Chad Bailey

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Since 1948, The Christian Center, in Peoria, Illinois, has had a mission to provide a place where Christians could grow and the lost could find Christ.

But how is this related to sports and recreational activities?

In the latest episode of Whisler While You Retire, Tim Whisler sits down with the organization’s managing director, Chad Bailey. Chad explains how The Christian Center serves the community by offering programs for people (of all ages) to enjoy recreational activities while sharing the gospel of Christ.

In this episode, you will learn:

  • Why church-related partnerships are so important for The Christian Center 
  • How the organization recruits basketball, baseball, and soccer coaches 
  • Real-life experience: Why Chad believes that God always ends up providing
  • How the facility keeps up with all the financial costs associated with The Christian Center  
  • From ping-pong to bowling, soccer, and basketball: the programs offered by The Christian Center 
  • And more!

Listen in to discover how The Christian Center helps people of all ages develop a greater sense of spirituality and faith through sports and recreation! 

Resources: Tim Whisler | The Whisler Agency | (309) 291-0491 | The Christian Center  | 309-685-4218 | Chad Bailey | Location and Hours Information 

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, an SEC Registered Investment Advisor. Sub advisory services are provided by Advisory Alpha, LLC, an SEC Registered Investment Advisor. Insurance, consulting, and education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth, LLC, and Advisory Alpha, LLC.

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Episode 11 – Brace for IMPACT 46 — with Guest Kyle McClellan

Episode 11 – Brace for IMPACT 46 — with Guest Kyle McClellan

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Following the end of former MLB pitcher Kyle McClellan’s career with the St. Louis Cardinals, he and his wife founded Brace for IMPACT 46, a non-profit organization following a life-changing mission to Haiti. 

In this episode, Tim Whisler sits down with Kyle McClellan to review his journey as a baseball player, and discuss his non-profit organization. Kyle shares how Brace for IMPACT 46 helps individuals, children, and families have a better future, both in Haiti and in St. Louis, Missouri. 

In this episode, you will learn:

  • From high school baseball to University of Missouri, and the St. Louis Cardinals: Kyle’s journey as an MLB pitcher
  • How Kyle embarked on the journey of building Brace for IMPACT 46
  • Serving in Haiti and St. Louis: Brace for IMPACT 46’s mission in both countries, and why’s its community, and leadership so important 
  • And more!

Tune in and find out how baseball and Brace for IMPACT 46 shaped the individual Kyle McClellan is today! 

Resources: Tim Whisler | The Whisler Agency | (309) 291-0491 | Brace for IMPACT 46 | Programs in Haiti  | Program in St. Louis | Child Sponsorship Program | Brace for IMPACT 46 Facebook | Brace for IMPACT 46 Instagram 

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, an SEC Registered Investment Advisor. Sub advisory services are provided by Advisory Alpha, LLC, an SEC Registered Investment Advisor. Insurance, consulting, and education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth, LLC, and Advisory Alpha, LLC.

 

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Episode 10 – Get Your Finances Back on Track Today [4 Easy Steps!]

Episode 10 – Get Your Finances Back on Track Today [4 Easy Steps!]

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Has your spending got a little out of hand as a result of COVID-19? Don’t worry, we’re here to help! 

In this episode, Tim Whisler gives you an easy four-step plan to help you get your finances back on track, so you can keep heading towards your ideal retirement. As relatable as ever, Tim gives you proven advice that you can use right away. 

You will learn:

  • What 3 characteristics every emergency plan should have
  • How to incorporate a strategy that provides safety to your principal & opportunity for growth to your retirement account
  • Good, better & best ways to create more tax-free funds
  • And more!

Tune in now to get an easy 4-step plan for getting your finances on track during COVID-19!

Resources: Tim Whisler | The Whisler Agency: (309) 291-0491 | Episode 2: Zero is the Hero

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, an SEC Registered Investment Advisor. Sub advisory services are provided by Advisory Alpha, LLC, an SEC Registered Investment Advisor. Insurance, consulting, and education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth, LLC, and Advisory Alpha, LLC.

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Episode 9 – What You Should Know About Annuities

Episode 9 – What You Should Know About Annuities

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Believe it or not, annuities don’t have a middle ground – you either disregard them entirely or embrace them wholeheartedly.

In this episode, Tim Whisler navigates the path of annuities, explaining the differences between what can be a beneficial, but complicated, option for retirement. 

In this episode, you will learn:

  • Why people have negative opinions about annuities 
  • The difference between immediate and fixed annuities  
  • Why variable annuities are similar to investments in the stock market 
  • What’s the role of volatility when it comes to a fixed index annuity 
  • How to use a rider as an annuity enhancement policy 
  • And more!

Tune in and discover some of the questions you MUST consider if you’re planning to lean on annuities for retirement! 

Resources: Tim Whisler | The Whisler Agency | (309) 291-0491 

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, an SEC Registered Investment Advisor. Sub advisory services are provided by Advisory Alpha, LLC, an SEC Registered Investment Advisor. Insurance, consulting, and education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth, LLC, and Advisory Alpha, LLC.

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Episode 8 – The IOU in your IRA to the IRS

Episode 8 – The IOU in your IRA to the IRS

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When it comes to retirement accounts, what’s the difference between tax-free and tax-deferred?

In this episode, Tim Whisler discusses key points about retirement accounts, IRAs and 401(k)s. He does this to explain the “silent partner” involved in a portion of your 401(k) and IRA accounts.

In this episode, you will learn:

  • How to take full advantage of your 401(k)
  • The benefits of contributing to your 401(k) directly from your paycheck 
  • The process of a 401(k) rollover 
  • The role of Required Minimum Distributions (RMDs) when it comes to taxes and IRAs
  • And more!

Listen today to learn ways to pay your taxes first so that you don’t have to worry about them later.

Resources: Tim Whisler | The Whisler Agency | (309) 291-0491 

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, an SEC Registered Investment Advisor. Sub advisory services are provided by Advisory Alpha, LLC, an SEC Registered Investment Advisor. Insurance, consulting, and education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth, LLC, and Advisory Alpha, LLC.

 

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Episode 7 – Understanding Retirement Accounts

Episode 7 – Understanding Retirement Accounts

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Having multiple savings vehicles or accounts with a purpose is a wise strategy when it comes to stepping into your retirement years.

In this episode, Tim Whisler discusses retirement accounts for individuals making the transition from their working years to their retirement years. 

In this episode, you will learn:

  • 401(k)’s as accumulation and distribution machines 
  • The role of a sequence of returns strategy, and how it impacts retirement
  • How return on investment (ROI) changes to reliability of income when approaching retirement 
  • And more!

Tune in to learn why retirement is all about income and cash flow rather than assets! 

Resources: Tim Whisler | The Whisler Agency | (309) 291-0491 

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, an SEC Registered Investment Advisor. Sub advisory services are provided by Advisory Alpha, LLC, an SEC Registered Investment Advisor. Insurance, consulting, and education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth, LLC, and Advisory Alpha, LLC.

 

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Episode 6 – Medicare as a Retirement Health Insurance – Part II

Episode 6 – Medicare as a Retirement Health Insurance – Part II

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How much do you really know about the different Medicare coverages offered in each part? Are you looking for an opportunity to bundle different levels of coverage?

In part two of this mini-series, Tim navigates Medicare’s part C, also known as Medicare Advantage Plans, and explains how it allows consumers to bundle the coverage from the other parts of Medicare. 

In this episode, you will learn:

  • The coverages offered in Part C of Medicare
  • The different types of Medicare Advantage Plans
  • Pros and cons of Medicare Supplement Plans
  • The role of the “annual notice of change” when switching between Medicare Advantage and Supplement Plans
  • And more!

Tune in as Tim discusses various coverages of part C of Medicare!  

Resources: Tim Whisler | The Whisler Agency | (309) 291-0491 | Part 1

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, an SEC Registered Investment Advisor. Sub advisory services are provided by Advisory Alpha, LLC, an SEC Registered Investment Advisor. Insurance, consulting, and education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth, LLC, and Advisory Alpha, LLC.

 

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Episode 5 – Medicare as Retirement Health Insurance

Episode 5 – Medicare as Retirement Health Insurance

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Medicare is a short-term health insurance for those who are 65-years-old and/or receive Social Security Disability Insurance. It can be overwhelming and confusing, but with the right education, it doesn’t need to be.

In part one of this mini-series about Medicare, Tim Whisler helps you navigate Medicare to help ease your mind about the health care coverage. Tim explains the different phases so that you can better understand this type of health insurance.

In this episode, you will learn:

  • The importance of education around Medicare and finding the right plan for you
  • Who is eligible for Medicare
  • The four parts of Medicare and what they each cover
  • What the “donut hole” is and how it is related to the Medicare catastrophic phase 
  • And more!

Tune in as Tim discusses potential advantages and drawbacks of Medicare as a health care coverage! 

Resources: Tim Whisler | The Whisler Agency | (309) 291-0491 

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, an SEC Registered Investment Advisor. Sub advisory services are provided by Advisory Alpha, LLC, an SEC Registered Investment Advisor. Insurance, consulting, and education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth, LLC, and Advisory Alpha, LLC.

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Episode 4 – Don’t Be Afraid of Retirement, Be Prepared

Episode 4 – Don’t Be Afraid of Retirement, Be Prepared

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“Can I afford retirement?” “What are my plans for this phase of life?” – These are two of the many questions we all have when it comes to planning for retirement. 

In this episode of Whisler While You Retire, Tim Whisler will help you navigate these questions, and many others, and shares his six-step retirement checklist to ensure you’re prepared for this milestone. 

In this episode, you will learn:

  • The difference between the defined benefit and the defined contribution plan
  • Why longevity is a retirement risk 
  • Why it is important to prepare for retirement “what if’s”
  • How to determine the right age to elect retirement-related benefits 
  • And more!

Tune in as Tim reminds you to prepare for retirement so that you can later enjoy the ride! 

Resources: Tim Whisler | The Whisler Agency | (309) 291-0491 

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, an SEC Registered Investment Advisor. Sub advisory services are provided by Advisory Alpha, LLC, an SEC Registered Investment Advisor. Insurance, consulting, and education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth, LLC, and Advisory Alpha, LLC.

 

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Episode 3 – Your Life Insurance Policy is The Ultimate Love Letter

Episode 3 – Your Life Insurance Policy is The Ultimate Love Letter

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Leaving a life insurance policy in place for your spouse in case something happens to you is the ultimate final love letter.  

In this episode, Tim Whisler explains why life insurance can be considered an expression of love and refers to the importance of planning collaboratively with your partner so that both parties are prepared when the time comes. 

In this episode, you will learn:

  • The types of life insurance and how to choose the right one for you 
  • The benefits of a term policy 
  • How premiums and insurance allow cash building 
  • What a “Second-to-Die” policy is, and how it impacts your overall death benefit 
  • And more!

Tune in to learn why your life insurance policy is the ultimate love letter! 

Resources: The Whisler Agency

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, an SEC Registered Investment Advisor. Sub advisory services are provided by Advisory Alpha, LLC, an SEC Registered Investment Advisor. Insurance, consulting, and education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth, LLC, and Advisory Alpha, LLC.

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Episode 2 – Zero is the Hero

Episode 2 – Zero is the Hero

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“Zero is the hero” is all about replacing the worry, fear, and anxiety that comes from watching a retirement account. 

In this episode, Tim Whisler explains everything you need to know about the “zero is the hero” retirement strategy and how it can help baby boomers achieve positive income and asset results.

In this episode, you will learn:

  • The different phases of retirement
  • How return on investment impacts your overall asset exposure 
  • The role of market volatility in retirement 
  • How to enjoy retirement instead of babysitting the market
  • And more!

Tune in as Tim explains why retirement is not about assets but income! 

Resources: Tim Whisler | The Whisler Agency 

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, a SEC Registered Investment Advisor. Subadvisory services are provided by Advisory Alpha, LLC, a SEC Registered Investment Advisor. Insurance, Consulting and Education services offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth, LLC and Advisory Alpha, LLC.

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Episode 1 – Get to Know Tim Whisler, President and Founder of The Whisler Agency

Episode 1 – Get to Know Tim Whisler, President and Founder of The Whisler Agency

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The Whisler Agency is proud to present: Whisler While You Retire with Tim Whisler! 

In this podcast, get to know Tim Whisler, president and founder of The Whisler Agency, and discover what led him to his career in finance. Tim shares how The Whisler Agency can help clients of all ages plan for their financial futures. 

In this episode, you will learn:

  • How Tim’s personal life led him to his career in financial services 
  • Tim’s ideal client demographic
  • Why radio ads and referrals so important to Tim’s business 
  • How understanding your return on investment can help measure risk returns 
  • And more!

Tune in to get to know Tim Whisler and The Whisler Agency! 

Resources: Tim Whisler | The Whisler Agency

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, a SEC Registered Investment Advisor. Subadvisory services are provided by Advisory Alpha, LLC, a SEC Registered Investment Advisor. Insurance, Consulting and Education services offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth, LLC and Advisory Alpha, LLC.

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