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Beneficiary Designations – Don’t disinherit your grandchildren. Plus, does your financial advisor have skeletons in the closet?
Do you have your beneficiaries set up correctly on your life insurance and retirement accounts? Are Registered Investment Advisors required to tell you if clients have filed a written complaint, an arbitration claim or a civil lawsuit against them? Mike reviews some questions you need to ask when searching for a financial advisor.
Listen to the EpisodePart Two: Mike Unpacks The Often-Confusing World of Life Insurance
Part Two: Life insurance is often referred to as a “necessary evil!” This week Mike shares his thoughts on who should buy it and what kind you should buy. There are plenty of options so it can be confusing. Plus, do you need life insurance even after you have retired?
Listen to the EpisodeMike Unpacks the Often-Confusing World of Life Insurance
Part One: Life insurance is often referred to as a “necessary evil!” This week Mike shares his thoughts on who should buy it and what kind you should buy. There are plenty of options so it can be confusing. Plus, do you need life insurance even after you have retired?
Listen to the EpisodeHow To Protect Your Money In The New Year And To Take Advantage Of A Bad Market
This week Mike shows you some ways to increase the interest on your savings and other ways to protect your money in 2023. Plus, he tells you some ways to take advantage of a downturn in market prices like tax-loss harvesting and a Roth conversion.
Listen to the EpisodeBig Changes to the Required Minimum Distribution
Senior VP of Southern First, Rob Reeves, joins Mike to discuss the outlook for the economy and how it will affect interest rates. Plus, Mike reviews some of the key provisions of the recently passed SECURE Act 2.0, including the changes for Required Minimum Distributions and the new Charitable IRA Rollover.
Listen to the EpisodeBest of Talking Money: What is Everyday Steward?
Mike is joined by David Garrigan, CFP®. David works as a financial planner for the Everyday Steward division of Ronald Blue Trust out of the Greenville office. Mike and David discuss what kind of client the Everyday Steward division helps, what services they offer, and how someone could give a gift of a financial plan.
Listen to the EpisodeBEST OF TALKING MONEY: WHAT IS A DONOR ADVISED FUND AND HOW IT CAN HELP YOU SAVE TIME AND MONEY
Gift Planning Attorney, Daniel Hicks joins Mike to discuss this great planning tool.
Listen to the EpisodeHow Can Trust Services Benefit My Family and Me?
Senior Personal Trust Officer, David Laign, joins Mike to discuss the various types of trusts and when to consider using one; How to choose a trustee and Personal Representative; What are the advantages of using a Tennessee-chartered public trust company.
Listen to the EpisodeJudge Faulkner demystifies the Probate process!
Probate Judge Debora Faulkner joins Mike to discuss how the Probate Court helps advocate for adults who cannot advocate for the themselves. Plus, Judge Faulkner reviews the process survivors need to follow when settling an estate.
Listen to the EpisodeMARKET VOLATILITY CONCERNS
Mike answers a number of questions related to the current market volatility and general investing:
Is it still safe to invest in the stock market? Is it less risky to invest now?
Are there any particular sectors or stocks to consider investing in?
How should an investor react to the ups and downs in the market?
Are annuities as really as low risk as they promise?
What cautions should I take when investing in real estate?
For more information, read this article from Ronald Blue Trust’s investment team.
Listen to the EpisodeThe Bucket Strategy
What is the bucket approach to retirement planning? How do you adjust for inflation?
How can you determine your personal inflation rate? What factors come into play?
Which bucket should I focus on?
What are some different vehicles we use for income?
What are some other ways to try to retain income security in retirement?
Listen to the EpisodeSenior Investment Strategist, Mark Elam, joins Mike to give his perspective on inflation.
Is the current inflation rate unusual over the long term? Should investors be concerned? What’s being done and will it get better? Does a balanced portfolio (stocks and bonds) still work?
Listen to the EpisodeMiracle Hill Ministries Turkey Fry
Mike broadcasts live at the Miracle Hill Ministries Turkey Fry Donation Drop Off. Listen how you can participate in this community effort that provides a feast for people in Miracle Hill’s shelters and in the Upstate. Plus, Mike discusses the results of a survey revealing why people of different ages give.
Listen to the EpisodeBusiness Leaders Share Their Story
Ronald Blue Trust clients and business leaders of Eastern Industrial Supplies Inc., Kip and Kim Miller join Mike to answer some personal questions on money, business, and caring for their employees.
Listen to the EpisodeInsurance Basics
Stephen Piper of Piper Insurance Group joins Mike to answer insurance questions:
- How does inflation affect home and auto insurance?
- What are some ways to save when you add a teenage driver?
- Is there a way to report insurance companies not paying what is due?
- How do you make sure you have enough coverage?
- What about coverage for the contents of the house?
- Do I need to take a video inventory of my possessions?
- What might be involved in the claims process if something happens?
- Should I insure my rental properties under an LLC or under my name?
- If I rent a car, am I covered under my personal policy?
What is a Donor Advised Fund and How it can Help You Save Time and Money
Gift Planning Attorney, Daniel Hicks joins Mike to discuss this great planning tool.
Listen to the EpisodeEconomic Review, October 2022
Mike shares a recent podcast from Ronald Blue Trust where Nick Stonestreet and Brian McClard discuss the current economic landscape, why the market is struggling, how international events are affecting investors, what may lie ahead, and how this may affect you. He then shares a few thoughts about the interview.
Listen to the EpisodeWhat is Everyday Steward?
Mike is joined by David Garrigan, CFP®. David works as a financial planner for the Everyday Steward division of Ronald Blue Trust out of the Greenville office. Mike and David discuss what kind of client the Everyday Steward division helps, what services they offer, and how someone could give a gift of a financial plan.
Listen to the EpisodeBest of Talking Money: Investing Philosophies
Highlights from show originally aired April 9, 2022
What is the importance of researching the companies you are investing in or the firms you are using to invest for you?
Beware those who show you past performances and promise the same future returns. Ask where they invested 5, 10, 15 years ago.
Remember: no one can accurately predict the market!
Make a plan and stick to it.
When making a large purchase (car, house, etc), do you think about how a larger loan may affect your daily cash flow and budgeting?
What is the bucket strategy?
What is your portfolio’s primary goal: meeting future cash flow needs, limiting volatility, or keeping up with the benchmarks? You can’t have all three, and each have their trade-offs.
If you are holding on to a stock that has gone down since you purchased it, ask yourself if you would buy it today. If the answer is no, why would you continue to hold on to it?
Invest according to the time frame in which you will need the money.
Don’t let fear or greed take you away from your plan.
Listen to the EpisodeBest of Talking Money: Stocks and Bonds
Highlights from show originally aired April 2, 2022
What is a stock? What is a bond? How do they work?
Stocks: what they are and how they work. Stockholder owns part of the company. Stocks are sold at an auction, so the price does not reflect the value of the company. Your money doesn’t actually go to the company.
Bonds: you are investing in the debt of a corporation or government, basically giving them a loan. Have a time limit. Interest rates can affect bonds as well.
Why is it important to stay diversified in stocks and bonds? What about just riding out the rise and fall of the market?
What is the danger of following the “guru” who got their guess right once?
Listen to the EpisodeSponsored By:
