In this episode of the Retirement Plan Playbook, hosts Brent Pasqua, and Matthew Theal discuss various aspects of retirement planning and investment strategies.

They delve into the importance of tax-efficient bucket and distribution planning to minimize taxation during retirement. The conversation includes a thorough discussion on managing short-term, mid-term, and long-term investment buckets.

They also discuss the impact of interest rates on the economy, and the latest advancements in AI technology with Apple's new features

00:00 Introduction

02:02 The Importance of Updating Beneficiaries

03:28 CPI Updates and Federal Reserve Insights

08:44 Apple's WWDC 24: New AI Features

15:51 Retirement Planning Corner: Bucket Strategy

23:23 Choosing the Right Investments for Each Bucket

24:06 Managing Emotions and Trusting the Process

24:54 Tax Efficiency in Bucket Strategy

27:24 The Importance of Having Multiple Buckets

32:46 Distribution Planning and Roth Conversions

35:14 Simplifying Bucket Planning

37:16 Evermont Recommends: Entertainment and Style Tips

40:13 Conclusion and Contact Information

Connect with Evermont Wealth:

• matthew@evermont.com
• joshua@evermont.com
• (909) 296-7977
• Evermont.com
• LinkedIn: Matthew Theal
• LinkedIn: Brent Pasqua
• LinkedIn: Joshua Winterswyk
• LinkedIn: Evermont Wealth

In this episode of the Retirement Plan Playbook, hosts Brent Pasqua, Matthew Theal, and Joshua Winterswyk from Evermont Wealth dive into smart money-saving strategies and discuss the importance of budgeting amidst rising inflation.

They also provide insights into the current stock market, including Nvidia's 10-for-1 stock split and the SEC's shift to a T+1 settlement cycle.

Additionally, the hosts share personal anecdotes on reducing expenses and discuss the significance of consumer sentiment polls in shaping economic viewpoints.

The episode aims to equip listeners with practical financial advice for navigating economic complexities and optimizing their retirement plans.

00:39 Smart Money Saving Strategies

01:37 Little League Triumphs and Lessons

03:14 Nvidia's Stock Split

07:16 SEC's New Settlement Cycle Rule

11:08 American Economic Sentiment and Media Influence

17:44 Retailers Cutting Prices Amidst Inflation

22:39 Understanding Inflation and Budgeting Strategies

25:16 Tackling Major Expenses

26:11 Reevaluating Monthly Subscriptions

28:32 The Convenience of Online Shopping

33:19 Smart Utility Savings

35:00 Negotiating Service Contracts

38:45 Recommendations

Connect with Evermont Wealth:

• matthew@evermont.com
• joshua@evermont.com
• (909) 296-7977
• Evermont.com
• LinkedIn: Matthew Theal
• LinkedIn: Brent Pasqua
• LinkedIn: Joshua Winterswyk
• LinkedIn: Evermont Wealth

The 'Retirement Plan Playbook' podcast, hosted by Brent Pasqua, Matthew Theal, and Joshua Winterswyk of Evermont Wealth, provides a deep dive into investment strategies, retirement planning, and current events to help listeners build a robust retirement playbook.

In this episode, they focus on the basics of retirement planning, including 401k contributions, the impact of inflation, and understanding Social Security benefits. They also discuss the significance of adjusting investment strategies over time and the importance of consulting with a certified financial planner for a customized retirement plan.

Additionally, they touch on Netflix securing NFL rights, strategies for saving money in a high inflation environment, and share their personal recommendations on Evermont Wealth hats and merchandising.

02:06 The Roast of Tom Brady: A Hilarious Recap

05:12 Navigating Inflation and Money-Saving Tips

12:22 Netflix's Strategic Moves in Sports Broadcasting

16:48 Netflix's Content Strategy vs. Competitors

17:08 Diving Into Retirement Planning: The Basics

17:20 Maximizing Your 401k: Strategies and Tips

24:08 Investment Strategies: Stocks, Bonds, and Beyond

28:23 Understanding Social Security Benefits

34:05 Evermont Wealth's Merchandise Talk

Connect with Evermont Wealth:

• matthew@evermont.com
• joshua@evermont.com
• (909) 296-7977
• Evermont.com
• LinkedIn: Matthew Theal
• LinkedIn: Brent Pasqua
• LinkedIn: Joshua Winterswyk
• LinkedIn: Evermont Wealth

Hosted by Brent Pasqua, Matthew Theal, and Joshua Winterswyk of Evermont Wealth, the Retirement Plan Playbook podcast delves into investment strategies, retirement planning, and current events to help listeners develop a comprehensive retirement plan.

The episode opens with personal anecdotes from the hosts, before moving on to discuss the three phases of retirement planning in detail, including the preparation, transition, and enjoyment phases.

Additionally, the episode covers hot topics such as Dave and Buster's introducing digital betting, the Federal Reserve's decision to keep interest rates unchanged, and controversial aspects of Biden's capital gains tax proposal.

The hosts emphasize the importance of early preparation for retirement and provide insights into financial planning, investment decisions, and the balance between saving and spending in retirement.

00:52 Casual Conversations: Sleepless Nights and Family Life

02:21 Dave and Busters' New Digital Betting Service: A Game Changer?

06:08 Federal Reserve's Latest Moves and Market Reactions

08:27 Biden's Capital Gains Tax Proposal: A Potential Economic Impact

14:06 Navigating the Prepare Phase of Retirement Planning

25:05 Transitioning to Retirement: Strategies and Considerations

32:23 Enjoying Retirement: Planning for the Golden Years

38:30 Final Thoughts and Recommendations

Connect with Evermont Wealth:

• matthew@evermont.com
• joshua@evermont.com
• (909) 296-7977
• Evermont.com
• LinkedIn: Matthew Theal
• LinkedIn: Brent Pasqua
• LinkedIn: Joshua Winterswyk
• LinkedIn: Evermont Wealth

The Retirement Plan Playbook, hosted by Brent Pasqua, Matthew Theal, and Joshua Winterswyk of Evermont Wealth, celebrates its 100th episode milestone.

Reflecting on the journey since its inception in 2018, the hosts discuss the evolution of the podcast through challenges, including a pause during the pandemic and subsequent resumption due to client demand. They reminisce about past episodes, highlighting topics like social security, bond ladders, and selling businesses.

The episode then shifts focus to the first quarter of 2024, exploring major financial themes such as inflation, interest rates, stock market performance, and geopolitical tensions. The hosts examine how these factors influence retirement planning, investment strategies, and the broader economy.

The episode concludes with predictions for the upcoming quarters, emphasizing the importance of planning, staying informed, and seeking professional advice for a successful retirement.

00:40 The Journey to 100 Episodes: Reflections and Highlights

02:21 Favorite Episodes and Listener Feedback

03:32 Exciting Announcement for Listeners

03:39 Deep Dive into the First Quarter of 2024: Economic Insights

08:28 Inflation and Interest Rates: A Closer Look

12:46 The Bond Market Explained: Opportunities and Challenges

18:13 Housing Market Dynamics and Mortgage Rates

21:11 Market Leadership Shifts: Gold, Oil, and More

23:27 Baby Boomers vs. Millennials: Economic Impacts

25:06 The Tech Sector's Winners and Losers

28:22 Predictions for Q2 of 2024: Market Trends and Volatility

30:13 Investment Strategies and the Rise of AI

32:41 Personal Finance Tips and the Importance of Diversification

36:11 Recommends: Personal Stories and Tips

42:49 Closing Thoughts and Future Outlooks

Connect with Evermont Wealth:

• matthew@evermont.com
• joshua@evermont.com
• (909) 296-7977
• Evermont.com
• LinkedIn: Matthew Theal
• LinkedIn: Brent Pasqua
• LinkedIn: Joshua Winterswyk
• LinkedIn: Evermont Wealth

In this episode of the Retirement Plan Playbook, hosted by Brent Pasqua, Matthew Theal, and Joshua Winterswyk of Evermont Wealth, focuses on affording long-term care in retirement.

The episode begins with casual banter about baseball and moves into more serious topics like the sentencing of Sam Bankman-Fried and the performance and implications of Donald Trump's, “Truth Social” SPAC offering under the ticker symbol DJT.

The core of the show is an extensive look at the considerations, costs, and planning strategies around long-term care, emphasizing the importance of early and informed planning to secure a comfortable and worry-free retirement.

01:19 Baseball Season Banter: Angels' Woes

03:57 Sam Bankman-Fried's Sentence: A Deep Dive into the FTX Saga

09:13 The Trump SPAC and Truth Social: Investment or Political Contribution?

13:48 Navigating Long-Term Care Costs in Retirement Planning

21:08 Exploring Self-Insurance and Out-of-Pocket Care Costs

24:32 Challenges and Trust Issues with Long-Term Care Policies

26:24 Alternative Strategies for Long-Term Care Planning

28:29 Utilizing Home Equity and Other Assets for Long-Term Care

31:44 Creating a Personal Long-Term Care Fund

37:35 Evermont Recommends

Connect with Evermont Wealth:

• matthew@evermont.com
• joshua@evermont.com
• (909) 296-7977
• Evermont.com
• LinkedIn: Matthew Theal
• LinkedIn: Brent Pasqua
• LinkedIn: Joshua Winterswyk
• LinkedIn: Evermont Wealth

In this episode of the Retirement Plan Playbook, hosts Matthew Theal and Joshua Winterswyk from Evermont Wealth dive into the debate of Roth IRA vs. Traditional IRA. They begin with casual conversations about March Madness, and then transition into hot take headlines including potential TikTok bans and an antitrust suit against Apple.

The core of the episode is dedicated to unraveling the intricacies of Roth and Traditional IRAs, discussing their benefits, limitations, and suitability for different financial scenarios. The hosts also touch upon spousal contributions, the backdoor Roth IRA strategy, and present the new provision allowing 529 plans to be rolled over into Roth IRAs.

The episode concludes with personal recommendations, highlighting the benefits of a new golf club and recommending 'The Gentlemen' on Netflix.

01:28 March Madness and Bracket Bets

03:01 Hot Take Headlines: Federal Reserve and Interest Rates

06:39 Inflation Insights and Economic Theories

11:13 TikTok Ban Controversy: Security vs. Social Media

14:04 Apple's Antitrust Suit: A Tech Giant Under Scrutiny

16:44 The Impact of Apple on the Stock Market

17:28 Apple's Legal Battles and Potential Outcomes

18:43 Retirement Planning Corner: IRA vs. Roth IRA

23:23 The Traditional IRA: An Underutilized Tool

25:06 Navigating Non-Deductible IRA Contributions and Backdoor Roth IRAs

28:39 Maximizing Retirement Savings: Strategies Beyond the 401k

30:08 Final Thoughts and Recommendations

Connect with Evermont Wealth:

• matthew@evermont.com
• joshua@evermont.com
• (909) 296-7977
• Evermont.com
• LinkedIn: Matthew Theal
• LinkedIn: Brent Pasqua
• LinkedIn: Joshua Winterswyk
• LinkedIn: Evermont Wealth

In this episode of the Retirement Plan Playbook, hosts Brent Pasqua, Matthew Theal, and Joshua Winterswyk of Evermont Wealth discuss investment strategies, retirement planning, and current events.

The conversation kicks off with an analysis of the cryptocurrency market's recent bullish trends, particularly highlighting Bitcoin's surge following ETF announcements. The team explores inflation's impact, potential Federal Reserve actions, and the broader implications for investors.

The episode transitions to discuss the cancellation of Apple's ambitious Project Titan car initiative, focusing on the implications for AI development and the challenges of automobile manufacturing.

The hosts also address a potential future where 401k plans could be reevaluated by the government, examining the implications for savers and the overall economy.

Lastly, the episode delves into lifestyle planning for retirement, emphasizing the importance of finding a new purpose, staying socially, physically active, and planning for unexpected scenarios.

The dialogue concludes with personal recommendations and a candid discussion about fast food choices and prices, offering a light-hearted reflection on the accessibility and costs of convenience meals in today's economy.

01:35 The Bitcoin Boom: A Deep Dive into Cryptocurrency Trends

03:31 Inflation and Economic Trends: Navigating the Financial Landscape

07:10 Apple's Project Titan Cancellation: Shifting Focus from Cars to AI

11:58 The Future of 401k Plans: Debunking the Myths

17:03 Beyond the Numbers: Embracing the Lifestyle Shift in Retirement

22:59 Finding Purpose in Retirement

29:11 The Importance of Continuous Learning and Growth

31:21 Financial Planning for Retirement: Preparing for the Unexpected

32:37 Setting Goals and Planning for a Successful Retirement

35:04 Evermont Recommends: Air Fryers, Fast Food, and Birthday Wishes for Brent

Connect with Evermont Wealth:

• matthew@evermont.com
• joshua@evermont.com
• (909) 296-7977
• Evermont.com
• LinkedIn: Matthew Theal
• LinkedIn: Brent Pasqua
• LinkedIn: Joshua Winterswyk
• LinkedIn: Evermont Wealth