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Welcome to Your Retirement Blueprint, a podcast by 210 Financial where we help you invest in your financial future by identifying where you stand now, evaluating how well you're positioned, and discovering where you need to go. Join Phil Cooper, Founder and Financial Advisor of 210 Financial, and Kendall Stahl, Advisor & Partner at 210 Financial, for biweekly conversations to help you navigate finances in today's world. // Insurance products are offered through the insurance business 210 Fin ...
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We all imagine hitting retirement and buying our dream boat, dream car, or dream [you fill in the blank]. But how big of a purchase can you make in retirement? Can you make big purchases at all? In this episode, Phil and Kendall are helping us understand when we can shoot for the stars and when we should pinch our pennies in retirement. They also s…
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Is there such a thing as “good” debt and “bad” debt when it comes to retirement? Should you even have any debt when you retire? Should cutting out debt always take priority over saving for retirement? In this episode, Phil and Kendall cover some important principles for carrying debt into retirement, what “bad” debt is, and what numbers to consider…
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Few things in life are as frustrating as feeling forced to take an action that you know isn’t smart, strategic, or beneficial to you in the long run. But for a variety of reasons, certain circumstances can make you feel like selling your holdings—even during a market downturn—is your only option. Here at 210 Financial, we know that there is only on…
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It’s 2024—and that means we’re already back in another election year. It’s no secret that election years bring all sorts of changes, but what does this transitional time mean when it comes to the topic of your finances? In this conversation, Phil and Kendall shed some much-needed light on this topic, explaining why our firm believes taxes will like…
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Real estate can be a key factor when it comes to financial and retirement planning. Whether you’re selling your home so you can finally move to that sunny retirement spot you’ve always dreamed about, or investing in properties to earn some extra income that will supplement your retirement, you’ll be better equipped to reach your ideal financial fut…
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Women in finance—it’s a crucial topic that doesn’t get talked about enough. What are the unique challenges that face women in the financial world? How can a woman best balance the responsibilities of her career, her marriage, and her motherhood in a way that empowers her to provide for her family while also feeling fulfilled? These are big question…
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Estate taxes and planning is a complex topic. How do you minimize taxes after you’re gone? Is there such a thing as “too much” to pass down? What are the exceptions? We are tackling these questions and more in this conversation. Today, we are joined again by Jim Benckendorf, a partner at Benckendorf & Benckendorf Law Firm and someone who concentrat…
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Good intentions with no actions can lead to a lot of difficult times. No one enjoys discussing end-of-life issues, but the reality is that every one of us is going to die someday. That means that the topic of this episode pertains to everyone. We are talking about estate planning and how you should consider planning ahead to leave what you have to …
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An IT Professional on How to Stay Safe Online, Avoid Scams, & Keep Information Secure - Season 2, Ep. 3
42:06
Have you ever received a confusing text letting you know that a USPS package couldn’t be delivered? Or maybe you got an email plea requesting you send money to a stranded friend? Scams to access your computer, bank information, or credit cards increase around the holidays, and keeping your information secure in a digital age can be a challenge. In …
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We have the honor of being joined by David Walker, former Comptroller General of the United States and someone who was the CEO of the U.S. Government Accountability Office (GAO) from 1998 to 2008. Needless to say, he has a lot of insight into where the country is headed and how that could affect your dollars. In this episode, David is helping us di…
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Your Retirement Blueprint Podcast is back for Season 2! We have so many exciting things planned for this season of the podcast, including some incredible guests that we’re eager to introduce you to. As we approach the end of the year, this is a time when many of us revisit our goals, look over where we’re at, and consider shifts we need to make. In…
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It’s time for another solo episode with Kendall! In this episode, he is talking about some of his favorite things—diversifying your investment portfolio and the role real estate can play. There’s a lot of talk about whether or not you should view real estate as a good investment. Some people say it’s a ton of work while others say it’s a passive in…
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For the majority of your life, you will work hard and pinch those pennies so that you can fund retirement. But once you actually retire, it’s time to enjoy all your hard work! Kendall has another solo episode to help you understand how to manage your expenses AND have fun in retirement! He is sharing how to get yourself to a place where “budget” do…
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We’ve got you covered as new legislation has been passed which will take effect in 2024. This includes the Secure Act 2.0, which has over 90 provisions that could affect your taxes and financial plan. In this solo episode, Kendall will let you in on the major changes from this legislation and how that could impact you today! Because there are so ma…
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Welcome back to Your Retirement Blueprint! We hope you’ve had a great start to the year. In today’s video, we’ve put together the top 10 tips for retirement planning in 2023. There is a lot of great insight packed into this one. We’ve included everything from financial strategies to potential tax considerations to maintaining your feeling of purpos…
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Many people don’t often think about life insurance as a major part of their financial plan. Or perhaps they only consider it as a valuable investment only when they’re younger. We believe that should change. Yes, it can be a bit depressing to have to think about the case of your own death and if your loved ones would be taken care of financially. H…
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We ripped the script for this episode. Literally! We had a plan of what we were going to talk about, but decided to go off-book. After sharing our Question of the Day, we discuss our pet peeves when it comes to investing and financial planning (and a few random ones 🙂). For many, the pandemic uncovered a lot of unknown risks in our portfolios and b…
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We’ve been telling everyone we know that there is a “tax sale” happening right now. Taxes are the lowest they have ever been, and that’s a major thing to consider when it comes to your retirement planning. In this episode, we are talking about planning ahead for retirement taxes and retirement income, and we dive deep into Social Security. If you a…
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“Recession.” It’s like a dark cloud looming over the economy and around every corner. But what should we be doing during an economy like this? If you are worried about the future or retiring in a recession, we’re breaking down what you need to know. In this episode, Phil and Kendall are letting you know how you should respond to a recession, what a…
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Every year from October 15th-December 7th, open enrollment for Medicare is taking place. So today we are welcoming a special guest to dive deep into everything you need to know about Medicare. Jesse Psinas is an Advisor here at 210 Financial and is our resident expert on the topic. In today’s episode, we’re covering the major Medicare plans availab…
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The market is down. Inflation is up. Rising interest rates. Potential tax increases. Many people are calling this “the perfect storm.” And in many ways, they’re right. We haven’t seen a lot of these circumstances for over a decade, and it’s rather interesting to see them all at once. So the big question is, “How do we respond?” In today’s episode, …
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Waiting to Save for Retirement Until the Kids Leave Home? (& How Much Money You Need to Retire) - Episode 15
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It’s not uncommon for us to meet people who will save rather passively, with the intention to start saving aggressively once their kids move out and graduate from college. Today, Kendall and Phil are talking through whether this strategy works! For any retirement strategy, it’s important to consider your unique goals, income needs, and lifestyle ex…
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Welcome back to Your Retirement Blueprint! In today’s episode, after answering a question about whether or not to move a 401(k) after leaving a job, we dive into how to ensure you don’t run out of money in retirement. Looking through a recent survey of what current retirees want future retirees to know, Phil and Kendall are covering some common mis…
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Welcome back to Your Retirement Blueprint! In today’s episode, after learning some interesting facts about Kendall’s life (any other newfound tea lovers out there!?), we’re talking about recessions, the difference between bear and bull markets, and inflation. There’s a whole lot of “doom and gloom” talk out there in the world right now. How concern…
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We’ve got a fun episode for you today! Most times we go in with a clear outline of a takeaway we want to leave with you. But today, after we answer a question about portfolio risk, Kendall brought some recent articles he read about retirement and we’re talking through them. Somehow hot-dog eating contests also come up? Yeah, we’re not sure… Anyways…
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What are some things we can do if we approach retirement in an uncertain market? Should we be concerned? Should our retirement plan change? In this episode, after answering a question that was sent in about long-term care insurance, that’s what we’re covering! Kendall and Phil are talking about the greatest risk during a down market, why having a p…
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Saving Money on Travel & Summer Vacations (& Determining Life Insurance Coverage) - Episode 10
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Despite increased gas prices and inflation, estimates are showing that there will be a lot of travel in the U.S. this year. If you’re looking at some upcoming travel, are you prepared to do it wisely? In today’s episode, after a funny story about Kendall’s son, we’re answering a question about life insurance as well as sharing a few things to keep …
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What is a Recession? Should You Be Concerned? (& Statistics for Bear & Bull Markets) - Episode 9
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Have you been hearing the word “recession” a ton lately? It feels like we’ve heard it every single day as a looming, sinister concern for each of our financial futures. In this episode, we’re breaking down what a recession is, whether or not you should be concerned, a look back on the statistics for the ups and downs in the economy throughout histo…
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How Does Market Volatility Affect Retirement Income? (& the Best Investments for High-Inflation Environments) - Episode 8
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Without income, you have no retirement. Yet, there are experts in our field saying that you might want to rethink your income strategy in today’s market. In this episode, we’re diving into the traditional 4% rule for withdrawals from retirement accounts. Does it still apply? Does it need to be adjusted? Additionally, we’re answering a question sent…
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Life insurance can feel like a tricky subject to navigate. Do you need it? How much coverage should you look for? What about long-term care insurance? In today’s episode, after answering a question sent in about Roth conversions in a retirement plan, we are diving into life insurance. Phil and Kendall are sharing some common misconceptions, key way…
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There have always been (and there will continue to be) uncertain times in the world. We all can agree we’ve seen some of those uncertainties recently! For example, we’re seeing inflation, a likely increase of interest rates on the horizon, along with the normal uncertainties in life, like our health. While we can’t always be sure what tomorrow will…
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What is a 401(k)? If your employer offers a match for a 401(k), should you take advantage of that? Should we leverage a Roth option in our 401(k)? What are the rules for a 401(k)? We’re talking about all of those things and more on the show today! In today’s episode, after answering a question about what we mean when we talk about developing a reti…
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Inflation is here, and it’s here to stay. There are some that estimate that the inflation rate greatly increased in the last year, and this (unsurprisingly) has some pretty big effects on our financial plan. In today’s episode, after answering a question about ways to retire, we’re talking all about strategies to help protect your finances against …
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Empowering Women in Finances and Retirement (& the Value of Non-Cash Investments) - Episode 3
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Did you know that, on average, women outlive men? Every situation is different, but statistics say that 80% of men will die married and 80% of women will die single. Far too often, though, we have seen situations where women lose their spouse and haven’t been involved in understanding the family’s finances. In today’s episode, after answering a que…
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Welcome back to Episode 2 of Your Retirement Blueprint! This show is all about helping you plan for the long-term health of your finances, and we are grateful you’re here. In this episode, after answering a question that was sent in about investment goals someone should try to reach by age 60, Phil and Kendall are talking about how to prepare for a…
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Welcome to Episode 1 of Your Retirement Blueprint! This show is all about helping you plan for the long-term health of your finances, and we are so excited to be kicking off the show! In this episode, after answering a question that was sent in about when to start taking social security, Phil and Kendall are talking about how to be preparing for ta…
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We are so excited to be kicking off Your Retirement Blueprint! Welcome! We've been planning this podcast for a while, and we can't wait to share conversations with you to help you invest in the long-term health of your finances. In this trailer, we're breaking down what you can expect in the show and chatting about a drone Phil got that may or may …
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