http://www.kramerfinancialtalk.com https://financially-tuned.s3.us-east-2.amazonaws.com/public/KramerFinancialTalk-final.jpg http://www.kramerfinancialtalk.com en-us Wed, 28 May 2025 20:57:54 +0000 Jim Kramer no Kramer Investment Services401k,social,security,ira,rothSmall changes, made over time, can produce significant results. Much like a high performance engine, or an entire orchestra, when even a small part is not doing what it is supposed to do, everything suffers. And the same is true of your finances. This show is dedicated to the small things that make a significant difference. When a part of your financial strategy is out of place, your long-term goals, your retirement savings, your legacy all suffer.radio@gradientps.comJim Kramer Sat, 10 May 2025 00:00:00 +0000 episode-8352 no James Paul Kramer full Sat, 10 May 2025 00:00:00 +0000 radio@gradientps.com (Jim Kramer)Worried about the potential costs of long-term care? This week, we delve into the realities of needing care in your later years and why it's crucial to plan proactively. Our expert guests break down the different types of long-term care, explore various funding options, and offer actionable steps you can take today to protect your financial future and well-being.401k,social,security,ira,roth Sat, 26 Apr 2025 00:00:00 +0000 episode-8328 no James Paul Kramer full Sat, 26 Apr 2025 00:00:00 +0000 radio@gradientps.com (Jim Kramer)This episode analyzes the recently released first-quarter financial results and their potential implications for investors with different time horizons. We break down how short-term market reactions to earnings reports might differ from the long-term fundamental outlook. Understanding your investment time horizon is crucial in determining how to interpret quarterly results and stay aligned with your overall financial goals.401k,social,security,ira,roth Sat, 19 Apr 2025 00:00:00 +0000 episode-8264 no James Paul Kramer full Sat, 19 Apr 2025 00:00:00 +0000 radio@gradientps.com (Jim Kramer)In this episode we talk about buffered index portfolios, what they are, and how they could be an important part of your investment and retirement strategy.401k,social,security,ira,roth Sat, 01 Mar 2025 00:00:00 +0000 episode-8029 no James Paul Kramer full Sat, 01 Mar 2025 00:00:00 +0000 radio@gradientps.com (Jim Kramer)In this episode, we delve into the world of dividend stocks, exploring how they can generate income and contribute to long-term portfolio growth. We'll break down the key advantages, from compounding returns to potential tax benefits, and discuss possible strategies. Whether you're a seasoned investor or just starting out, learn how dividend stocks may be an important part of your financial strategy.401k,social,security,ira,roth Sat, 01 Feb 2025 00:00:00 +0000 episode-7928 no James Paul Kramer full Sat, 01 Feb 2025 00:00:00 +0000 radio@gradientps.com (Jim Kramer)Planning for retirement can feel overwhelming, but it doesn't have to be. This week, we break down actionable steps you can take now to ensure a comfortable and secure financial future. From maximizing your 401k to exploring alternative investment strategies, we'll cover essential tips to help you prepare for the next chapter.401k,social,security,ira,roth Sat, 21 Dec 2024 00:00:00 +0000 episode-7816 no James Paul Kramer full Sat, 21 Dec 2024 00:00:00 +0000 radio@gradientps.com (Jim Kramer)In this episode, we dive deep into the world of Defined Outcome ETFs. We'll explain what they are, how they work, and the potential benefits and drawbacks of investing in these innovative funds. We'll also discuss how they can fit into different investment strategies and help you make informed decisions about your portfolio.401k,social,security,ira,roth Sat, 14 Dec 2024 00:00:00 +0000 episode-7782 no James Paul Kramer full Sat, 14 Dec 2024 00:00:00 +0000 radio@gradientps.com (Jim Kramer)Required Minimum Distributions, or RMDs, are mandatory withdrawals from retirement accounts. This episode will break down what RMDs are, when you need to start taking them, and how much you'll need to withdraw each year. We'll also discuss strategies to minimize your tax burden and maximize your retirement income.401k,social,security,ira,roth Sat, 30 Nov 2024 00:00:00 +0000 episode-7736 no James Paul Kramer full Sat, 30 Nov 2024 00:00:00 +0000 radio@gradientps.com (Jim Kramer)Will politics and the new administration affect your finances and investments? We address this question and more on today's episode.401k,social,security,ira,roth Sat, 31 Aug 2024 00:00:00 +0000 episode-7429 no James Paul Kramer full Sat, 31 Aug 2024 00:00:00 +0000 radio@gradientps.com (Jim Kramer)In this episode, we dive deep into the concept of sequence of returns and its profound impact on your long-term financial goals. Discover how the order in which your investments perform can significantly affect your overall wealth accumulation. Learn practical strategies to manage sequence risk and maximize your investment returns.401k,social,security,ira,roth Sat, 17 Aug 2024 00:00:00 +0000 episode-7374 no James Paul Kramer full Sat, 17 Aug 2024 00:00:00 +0000 radio@gradientps.com (Jim Kramer)Bonds have been on a rollercoaster, but are they finally back on track? In this episode, we dive into the latest bond market trends and analyze whether this recent rally is sustainable. From interest rate fluctuations to economic indicators, we break down the factors influencing bond prices and help you determine if it's time to reconsider your bond allocation.401k,social,security,ira,roth Sat, 27 Jul 2024 00:00:00 +0000 episode-7310 no James Paul Kramer full Sat, 27 Jul 2024 00:00:00 +0000 radio@gradientps.com (Jim Kramer)Long-term care costs can be a financial burden. In this episode, we'll discuss the likelihood of needing long-term care, the potential costs involved, and different strategies to plan for this expense. Discover whether long-term care insurance is right for you and explore other options to protect your financial future.401k,social,security,ira,roth Sat, 22 Jun 2024 00:00:00 +0000 episode-7190 no James Paul Kramer full Sat, 22 Jun 2024 00:00:00 +0000 radio@gradientps.com (Jim Kramer)Worried about your future Social Security benefits? This episode dives deep into the program's financial health, exploring if it's solvent and what potential changes might be on the horizon. We'll also provide actionable tips to help you plan a secure retirement, regardless of Social Security's status.401k,social,security,ira,roth Sat, 15 Jun 2024 00:00:00 +0000 episode-7170 no James Paul Kramer full Sat, 15 Jun 2024 00:00:00 +0000 radio@gradientps.com (Jim Kramer)Retiring comfortably isn't just about having enough money - it's about feeling secure. This episode dives into the surprising psychology behind spending habits in retirement, and how to plan for a financially and emotionally fulfilling future.401k,social,security,ira,roth Sat, 01 Jun 2024 00:00:00 +0000 episode-7130 no James Paul Kramer full Sat, 01 Jun 2024 00:00:00 +0000 radio@gradientps.com (Jim Kramer)In this episode we explore how life insurance can be more than just a death benefit. We'll break down the different types of policies, and discuss how you can leverage your coverage to build cash value and access funds while you're alive. Tune in and discover how life insurance can become a valuable tool in your financial toolbox.401k,social,security,ira,roth Sat, 25 May 2024 00:00:00 +0000 episode-7107 no James Paul Kramer full Sat, 25 May 2024 00:00:00 +0000 radio@gradientps.com (Jim Kramer)We explore why it's crucial to regularly review your beneficiary designations, ensuring your loved ones receive what you intend. We'll offer practical tips on keeping your beneficiaries current and avoiding common pitfalls. Tune in and safeguard your legacy!401k,social,security,ira,roth Sat, 18 May 2024 00:00:00 +0000 episode-7082 no James Paul Kramer full Sat, 18 May 2024 00:00:00 +0000 radio@gradientps.com (Jim Kramer)Feeling overwhelmed by your investment options? This episode cuts through the jargon and helps you understand what each investment choice really means. We'll break down asset allocation, risk tolerance, and how to build a portfolio that aligns with your financial goals. Tune in and take control of your financial future!401k,social,security,ira,roth Sat, 04 May 2024 00:00:00 +0000 episode-7028 no James Paul Kramer full Sat, 04 May 2024 00:00:00 +0000 radio@gradientps.com (Jim Kramer)In this episode we unpack the essential elements of crafting a sound investment strategy for retirement. We'll explore the concept of withdrawal rates, helping you determine how much you can safely spend from your nest egg without running out of money. Tune in for expert advice on building a sustainable financial future.401k,social,security,ira,roth Sat, 06 Apr 2024 00:00:00 +0000 episode-6925 no James Paul Kramer full Sat, 06 Apr 2024 00:00:00 +0000 radio@gradientps.com (Jim Kramer)You should have some money in stocks for growth, but you shouldn't have all your eggs in one basket. We talk about other tools and allocations you will want to consider as you get closer to retirement.401k,social,security,ira,roth Sat, 23 Dec 2023 00:00:00 +0000 episode-6576 no James Paul Kramer full Sat, 23 Dec 2023 00:00:00 +0000 radio@gradientps.com (Jim Kramer)What does it mean to have a truly "diversified" investment strategy? We talk about this, and how you can improve and diversify your investments.401k,social,security,ira,roth Sat, 16 Dec 2023 00:00:00 +0000 episode-6556 no James Paul Kramer full Sat, 16 Dec 2023 00:00:00 +0000 radio@gradientps.com (Jim Kramer)There has been a lot of talk over the past year or so about a looming recession. We discuss where we are at with the economy and how it may affect your finances moving forward over the next year.401k,social,security,ira,roth Sat, 25 Nov 2023 00:00:00 +0000 episode-6484 no James Paul Kramer full Sat, 25 Nov 2023 00:00:00 +0000 radio@gradientps.com (Jim Kramer)Retirement income can be tricky! You need to figure out how much you'll need each and where, how and when to withdraw it so you don't jeopardize your savings.401k,social,security,ira,roth Sat, 04 Nov 2023 00:00:00 +0000 episode-6413 no James Paul Kramer full Sat, 04 Nov 2023 00:00:00 +0000 radio@gradientps.com (Jim Kramer)In this episode we discuss the Roth IRA, how it works and how it may be a beneficial part of your financial and retirement strategy.401k,social,security,ira,roth Sat, 21 Oct 2023 00:00:00 +0000 episode-6352 no James Paul Kramer full Sat, 21 Oct 2023 00:00:00 +0000 radio@gradientps.com (Jim Kramer)The U.S. budget deficit has been growing for what seems like forever, so why does it finally matter so much? In this episode we look at the answers and why it matters to you.401k,social,security,ira,roth Sat, 12 Aug 2023 00:00:00 +0000 episode-6106 no James Paul Kramer full Sat, 12 Aug 2023 00:00:00 +0000 radio@gradientps.com (Jim Kramer)Are you ready for retirement? We go over an important checklist of things to help you know if you're ready.401k,social,security,ira,roth Sat, 29 Jul 2023 00:00:00 +0000 episode-6053 no James Paul Kramer full Sat, 29 Jul 2023 00:00:00 +0000 radio@gradientps.com (Jim Kramer)In this show we talk about the definition and possible benefits of QLAC's and HSA's.401k,social,security,ira,roth Sat, 22 Jul 2023 00:00:00 +0000 episode-6028 no James Paul Kramer full Sat, 22 Jul 2023 00:00:00 +0000 radio@gradientps.com (Jim Kramer)In this episode we cover the latest economic news and also discuss changes to your 401(k).401k,social,security,ira,roth Sat, 17 Jun 2023 00:00:00 +0000 episode-5915 no James Paul Kramer full Sat, 17 Jun 2023 00:00:00 +0000 radio@gradientps.com (Jim Kramer)In this episode we explain what ESG funds are, as well as the pros and cons of these portfolios.401k,social,security,ira,roth Sat, 10 Jun 2023 00:00:00 +0000 episode-5886 no James Paul Kramer full Sat, 10 Jun 2023 00:00:00 +0000 radio@gradientps.com (Jim Kramer)There are so many different rules and strategies involved with gifting or inheriting property...in this episode we discuss what you need to know to avoid mistakes.401k,social,security,ira,roth Sat, 27 May 2023 00:00:00 +0000 episode-5835 no James Paul Kramer full Sat, 27 May 2023 00:00:00 +0000 radio@gradientps.com (Jim Kramer)Investor behavior can drastically affect financial success. In this episode we talk about how your behavior affects your investments.401k,social,security,ira,roth Sat, 06 May 2023 00:00:00 +0000 episode-5759 no James Paul Kramer full Sat, 06 May 2023 00:00:00 +0000 radio@gradientps.com (Jim Kramer)In this episode we talk about the income gap you may face in retirement and whether or not annuities may be a good way to fill that gap.401k,social,security,ira,roth Sat, 22 Apr 2023 00:00:00 +0000 episode-5699 no James Paul Kramer full Sat, 22 Apr 2023 00:00:00 +0000 radio@gradientps.com (Jim Kramer)In this episode we discuss what you need to do and know in order to figure out how much money you'll need in retirement.401k,social,security,ira,roth Sat, 18 Mar 2023 00:00:00 +0000 episode-5574 no James Paul Kramer full Sat, 18 Mar 2023 00:00:00 +0000 radio@gradientps.com (Jim Kramer)2 Banks have failed, what does that mean for you? And what is an inherited IRA anyway?401k,social,security,ira,roth Sat, 11 Mar 2023 00:00:00 +0000 episode-5551 no James Paul Kramer full Sat, 11 Mar 2023 00:00:00 +0000 radio@gradientps.com (Jim Kramer)In this episode we talk about the current state of stocks, bonds, and interest rates and how to help adjust your financial plan accordingly.401k,social,security,ira,roth Sat, 04 Mar 2023 00:00:00 +0000 episode-5529 no James Paul Kramer full Sat, 04 Mar 2023 00:00:00 +0000 radio@gradientps.com (Jim Kramer)It's that time of year... but you need to look not only back, but forward to help minimize that tax burden. In today's episode we talk about tax strategies and more.401k,social,security,ira,roth Sat, 25 Feb 2023 00:00:00 +0000 episode-5502 no James Paul Kramer full Sat, 25 Feb 2023 00:00:00 +0000 radio@gradientps.com (Jim Kramer)During this episode, we’re going to breakdown the federal SECURE 2.0 Act, which may have major implications for millions of retirees.401k,social,security,ira,roth Sat, 24 Dec 2022 00:00:00 +0000 episode-5323 no James Paul Kramer full Sat, 24 Dec 2022 00:00:00 +0000 radio@gradientps.com (Jim Kramer)As one year ends and the new one begins, you need to do a financial check-up. We look at some key financial tips to help you achieve your goals.401k,social,security,ira,roth Sat, 03 Dec 2022 00:00:00 +0000 episode-5269 no James Paul Kramer full Sat, 03 Dec 2022 00:00:00 +0000 radio@gradientps.com (Jim Kramer)The past year saw an unprecedented downturn in the bond market. We discuss what happened and planning for the future.401k,social,security,ira,roth Sat, 26 Nov 2022 00:00:00 +0000 episode-5248 no James Paul Kramer full Sat, 26 Nov 2022 00:00:00 +0000 radio@gradientps.com (Jim Kramer)High inflation can take it's toll on income in retirement. We talk about tips and strategies to fill the gap.401k,social,security,ira,roth Sat, 19 Nov 2022 00:00:00 +0000 episode-5231 no James Paul Kramer full Sat, 19 Nov 2022 00:00:00 +0000 radio@gradientps.com (Jim Kramer)There's a big difference between your financial needs and wants, and figuring that out is key to a solid financial and retirement plan. We talk about tips and strategies to overcome this issue.401k,social,security,ira,roth Sat, 12 Nov 2022 00:00:00 +0000 episode-5205 no James Paul Kramer full Sat, 12 Nov 2022 00:00:00 +0000 radio@gradientps.com (Jim Kramer)Long-term care costs could wipe out your retirement savings. Unfortunately the odds are the majority of people will end up needing long-term care at some point. We talk about the different ways to plan for long-term care.401k,social,security,ira,roth Sat, 05 Nov 2022 00:00:00 +0000 episode-5181 no James Paul Kramer full Sat, 05 Nov 2022 00:00:00 +0000 radio@gradientps.com (Jim Kramer)In this episode we talk about structured notes and what role they can play in your financial planning.401k,social,security,ira,roth Sat, 22 Oct 2022 00:00:00 +0000 episode-5134 no James Paul Kramer full Sat, 22 Oct 2022 00:00:00 +0000 radio@gradientps.com (Jim Kramer)Are you ready for retirement? In this episode we go over some key steps to help you make sure you're ready for a successful retirement.401k,social,security,ira,roth Sat, 17 Sep 2022 00:00:00 +0000 episode-5032 no James Paul Kramer full Sat, 17 Sep 2022 00:00:00 +0000 radio@gradientps.com (Jim Kramer)Now is the time to look at your tax situation. We talk about tips and strategies to help possibly minimize your taxes.401k,social,security,ira,roth Sat, 27 Aug 2022 00:00:00 +0000 episode-4971 no James Paul Kramer full Sat, 27 Aug 2022 00:00:00 +0000 radio@gradientps.com (Jim Kramer)Should you delay or file early for Social Security? In this episode we explore the various strategies to help you figure out what's best for your personal situation.401k,social,security,ira,roth Sat, 13 Aug 2022 00:00:00 +0000 episode-4931 no James Paul Kramer full Sat, 13 Aug 2022 00:00:00 +0000 radio@gradientps.com (Jim Kramer)Technically, we are in a recession, or were we? In this episode we look at where we are at with our finances and the economy.401k,social,security,ira,roth Sat, 06 Aug 2022 00:00:00 +0000 episode-4906 no James Paul Kramer full Sat, 06 Aug 2022 00:00:00 +0000 radio@gradientps.com (Jim Kramer)When the markets are down, it can have a big impact on your retirement. But it doesn't have to. In this episode we discuss tips and strategies to help you deal with market volatility.401k,social,security,ira,roth Sat, 23 Jul 2022 00:00:00 +0000 episode-4861 no James Paul Kramer full Sat, 23 Jul 2022 00:00:00 +0000 radio@gradientps.com (Jim Kramer)We've seen a lot of market volatility and loss this year, so today we talk about smart money strategies that you need to know about.401k,social,security,ira,roth Sat, 02 Jul 2022 00:00:00 +0000 episode-4810 no James Paul Kramer full Sat, 02 Jul 2022 00:00:00 +0000 radio@gradientps.com (Jim Kramer)What can you do to be proactive with your finances during a bear market? We discuss the possibility of Roth Conversions.401k,social,security,ira,roth Sat, 25 Jun 2022 00:00:00 +0000 episode-4791 no James Paul Kramer full Sat, 25 Jun 2022 00:00:00 +0000 radio@gradientps.com (Jim Kramer)The markets are down and have entered into bear country... will this lead to a recession? In this episode we talk about what can you do with your finances to weather the storm.401k,social,security,ira,roth Sat, 28 May 2022 00:00:00 +0000 episode-4713 no James Paul Kramer full Sat, 28 May 2022 00:00:00 +0000 radio@gradientps.com (Jim Kramer)Things you can do to help prepare yourself for a down market401k,social,security,ira,roth Sat, 07 May 2022 00:00:00 +0000 episode-4636 no James Paul Kramer full Sat, 07 May 2022 00:00:00 +0000 radio@gradientps.com (Jim Kramer)With interest rates rising, bond values are down. Combine that with a volatile market and you need to make sure you have a solid financial plan. In this episode we talk about strategies to help you.401k,social,security,ira,roth Sat, 30 Apr 2022 00:00:00 +0000 episode-4613 no James Paul Kramer full Sat, 30 Apr 2022 00:00:00 +0000 radio@gradientps.com (Jim Kramer)In this show we talk about how to minimize your tax burned and reduce taxes on required minimum distributions.401k,social,security,ira,roth Sat, 16 Apr 2022 00:00:00 +0000 episode-4569 no James Paul Kramer full Sat, 16 Apr 2022 00:00:00 +0000 radio@gradientps.com (Jim Kramer)In this episode we talk about yield curves and the possibilities of a recession.401k,social,security,ira,roth Sat, 09 Apr 2022 00:00:00 +0000 episode-4544 no James Paul Kramer full Sat, 09 Apr 2022 00:00:00 +0000 radio@gradientps.com (Jim Kramer)There are 4 major assumptions that people make that could hurt your retirement, in this episode we discuss them and how to avoid making financial mistakes.401k,social,security,ira,roth Sat, 02 Apr 2022 00:00:00 +0000 episode-4523 no James Paul Kramer full Sat, 02 Apr 2022 00:00:00 +0000 radio@gradientps.com (Jim Kramer)In this episode we talk about having a diversified portfolio and whether or not alternative investments might fit in.401k,social,security,ira,roth Sat, 26 Mar 2022 00:00:00 +0000 episode-4492 no James Paul Kramer full Sat, 26 Mar 2022 00:00:00 +0000 radio@gradientps.com (Jim Kramer)In this episode Jim talks about Roth IRA's, and the strategy known as a "back-door Roth IRA".401k,social,security,ira,roth Sat, 19 Mar 2022 00:00:00 +0000 episode-4469 no James Paul Kramer full Sat, 19 Mar 2022 00:00:00 +0000 radio@gradientps.com (Jim Kramer)In this episode we talk about understanding Life Insurance and Taxes and tips on how to help take advantage of strategies to help your overall finances and retirement.401k,social,security,ira,roth Sat, 05 Mar 2022 00:00:00 +0000 episode-4426 no James Paul Kramer full Sat, 05 Mar 2022 00:00:00 +0000 radio@gradientps.com (Jim Kramer)You may have Life Insurance that you don't need... You may also need Life insurance you don't have. There are so many kinds of insurance and strategies, we break it down for you and talk about strategies to help you get the policy you need, not the ones you don't need.401k,social,security,ira,roth Sat, 19 Feb 2022 00:00:00 +0000 episode-4371 no James Paul Kramer full Sat, 19 Feb 2022 00:00:00 +0000 radio@gradientps.com (Jim Kramer)How much is inflation affecting your retirement savings and accounts? In this episode Jim talks about how to help inflation-proof your retirement.401k,social,security,ira,roth Sat, 12 Feb 2022 00:00:00 +0000 episode-4351 no James Paul Kramer full Sat, 12 Feb 2022 00:00:00 +0000 radio@gradientps.com (Jim Kramer)In this episode we talk about Structured Notes, what they are and how they are utilized.401k,social,security,ira,roth Sat, 29 Jan 2022 00:00:00 +0000 episode-4298 no James Paul Kramer full Sat, 29 Jan 2022 00:00:00 +0000 radio@gradientps.com (Jim Kramer)In this episode Jim looks at the stock market drops so far this year, what it might mean and how to use strategical planning to help overcome market volatility.401k,social,security,ira,roth Sat, 08 Jan 2022 00:00:00 +0000 episode-4206 no James Paul Kramer full Sat, 08 Jan 2022 00:00:00 +0000 radio@gradientps.com (Jim Kramer)In this episode Jim talks about annuities... Why they exist, when they're good and when they can be bad.401k,social,security,ira,roth Sat, 18 Dec 2021 00:00:00 +0000 episode-4170 no James Paul Kramer full Sat, 18 Dec 2021 00:00:00 +0000 radio@gradientps.com (Jim Kramer)In this episode Jim talks about what your options are to balance and minimize your financial risk.401k,social,security,ira,roth Sat, 04 Dec 2021 00:00:00 +0000 episode-4127 no James Paul Kramer full Sat, 04 Dec 2021 00:00:00 +0000 radio@gradientps.com (Jim Kramer)In this episode Jim talks about the new Omicron variant of the virus and what it might mean for the markets and the economy.401k,social,security,ira,roth Sat, 27 Nov 2021 00:00:00 +0000 episode-4109 no James Paul Kramer full Sat, 27 Nov 2021 00:00:00 +0000 radio@gradientps.com (Jim Kramer)In this episode Jim talks about why you would want to name a Trust as a Beneficiary to a retirement account. We also talks about the importance of beneficiaries and trusts.401k,social,security,ira,roth Sat, 13 Nov 2021 00:00:00 +0000 episode-4070 no James Paul Kramer full Sat, 13 Nov 2021 00:00:00 +0000 radio@gradientps.com (Jim Kramer)In this episode we discuss the current long-term care statics and how to help prepare and pay for long-term care.401k,social,security,ira,roth Sat, 06 Nov 2021 00:00:00 +0000 episode-4050 no James Paul Kramer full Sat, 06 Nov 2021 00:00:00 +0000 radio@gradientps.com (Jim Kramer)In this episode Jim talks about the ins and outs and ups and downs of the market and how to better manage your risk.401k,social,security,ira,roth Sat, 23 Oct 2021 00:00:00 +0000 episode-3999 no James Paul Kramer full Sat, 23 Oct 2021 00:00:00 +0000 radio@gradientps.com (Jim Kramer)In this episode we discuss the markets, current volatility and what it might mean for your savings and retirement.401k,social,security,ira,roth Sat, 09 Oct 2021 00:00:00 +0000 episode-3960 no James Paul Kramer full Sat, 09 Oct 2021 00:00:00 +0000 radio@gradientps.com (Jim Kramer)On this fiendishly fun episode, we’re going to thrill you and chill you with frightful mistakes that could haunt your retirement.401k,social,security,ira,roth Sat, 02 Oct 2021 00:00:00 +0000 episode-3942 no James Paul Kramer full Sat, 02 Oct 2021 00:00:00 +0000 radio@gradientps.com (Jim Kramer)In this episode we discuss what's happening with the economy, from inflation to the markets and deficit spending.401k,social,security,ira,roth Sat, 18 Sep 2021 00:00:00 +0000 episode-3897 no James Paul Kramer full Sat, 18 Sep 2021 00:00:00 +0000 radio@gradientps.com (Jim Kramer)In this episode Jim talks about the ins and outs of Roth IRA conversions, and how they can possibly help with your financial and retirement plans.401k,social,security,ira,roth Sat, 21 Aug 2021 00:00:00 +0000 episode-3818 no James Paul Kramer full Sat, 21 Aug 2021 00:00:00 +0000 radio@gradientps.com (Jim Kramer)We examine some of the most significant elements of the Biden tax plan proposal and what some of its details may mean for your financial strategy in both the near term and the long term.401k,social,security,ira,roth Sat, 14 Aug 2021 00:00:00 +0000 episode-3797 no James Paul Kramer full Sat, 14 Aug 2021 00:00:00 +0000 radio@gradientps.com (Jim Kramer)During this show, we’re going to discuss some of they key ways that retirement has changed during the last 25 years. In the final segment, we’ll also consider how retirement may change in the next 10 years.401k,social,security,ira,roth Sat, 07 Aug 2021 00:00:00 +0000 episode-3775 no James Paul Kramer full Sat, 07 Aug 2021 00:00:00 +0000 radio@gradientps.com (Jim Kramer)On this episode, we examine the 10 potentially critical things you need to know if you’re considering early retirement.401k,social,security,ira,roth Sat, 31 Jul 2021 00:00:00 +0000 episode-3742 no James Paul Kramer full Sat, 31 Jul 2021 00:00:00 +0000 radio@gradientps.com (Jim Kramer)In order to be financially successful, it helps to know how it's done. In this episode Jim talks about the 7 habits that can possibly help you to be a successful investor.401k,social,security,ira,roth Sat, 17 Jul 2021 00:00:00 +0000 episode-3694 no James Paul Kramer full Sat, 17 Jul 2021 00:00:00 +0000 radio@gradientps.com (Jim Kramer)In this episode Jim talks about how to deal with market volatility and a potential bear market.401k,social,security,ira,roth Sat, 03 Jul 2021 00:00:00 +0000 episode-3642 no James Paul Kramer full Sat, 03 Jul 2021 00:00:00 +0000 radio@gradientps.com (Jim Kramer)In this episode Jim talks about how tax planning is changing and what you need to be aware of when planning for retirement.401k,social,security,ira,roth Sat, 12 Jun 2021 00:00:00 +0000 episode-3574 no James Paul Kramer full Sat, 12 Jun 2021 00:00:00 +0000 radio@gradientps.com (Jim Kramer)In this episode Jim talks about financial planning for the future with helpful tips and strategies.401k,social,security,ira,roth Sat, 05 Jun 2021 00:00:00 +0000 episode-3554 no James Paul Kramer full Sat, 05 Jun 2021 00:00:00 +0000 radio@gradientps.com (Jim Kramer)In this episode Jim talks about what a Cryptocurrency is, and helps us better understand them.401k,social,security,ira,roth Sat, 29 May 2021 00:00:00 +0000 episode-3524 no James Paul Kramer full Sat, 29 May 2021 00:00:00 +0000 radio@gradientps.com (Jim Kramer)Inflation is a concern for some people in retirement. Let’s discuss the current inflation news and then examine ways you can build a budget and a retirement strategy that may offer some degree of protection against inflation.401k,social,security,ira,roth Sat, 22 May 2021 00:00:00 +0000 episode-3505 no James Paul Kramer full Sat, 22 May 2021 00:00:00 +0000 radio@gradientps.com (Jim Kramer)In this episode we talk about what is happening with the economy, how the markets are responding and how to help protect your finances.401k,social,security,ira,roth Sat, 15 May 2021 00:00:00 +0000 episode-3473 no James Paul Kramer full Sat, 15 May 2021 00:00:00 +0000 radio@gradientps.com (Jim Kramer)During this episode, we’re going to discuss how you can grow the kind of financial garden that provides consistent retirement income while also stabilizing your finances long before you retire.401k,social,security,ira,roth Sat, 08 May 2021 00:00:00 +0000 episode-3444 no James Paul Kramer full Sat, 08 May 2021 00:00:00 +0000 radio@gradientps.com (Jim Kramer)Roth IRAs can be a solid part of an overall financial strategy. In this episode will describe Roth IRAs, compare them to traditional IRAs, highlight their tax implications and then look at rollovers.401k,social,security,ira,roth Sat, 01 May 2021 00:00:00 +0000 episode-3421 no James Paul Kramer full Sat, 01 May 2021 00:00:00 +0000 radio@gradientps.com (Jim Kramer)During this episode, we’ll discuss some of the critical things that life insurance beneficiaries should know, including what happens if a policy has lapsed and when you can expect to receive your payout. Additionally, we discuss some of the pros and cons of both permanent and term life insurance.401k,social,security,ira,roth Sat, 17 Apr 2021 00:00:00 +0000 episode-3368 no James Paul Kramer full Sat, 17 Apr 2021 00:00:00 +0000 radio@gradientps.com (Jim Kramer)During this episode, we discuss smart financial decisions during three critical chapters of your life: your 20s and 30s, your 50s, and during your retirement.401k,social,security,ira,roth Sat, 10 Apr 2021 00:00:00 +0000 episode-3344 no James Paul Kramer full Sat, 10 Apr 2021 00:00:00 +0000 radio@gradientps.com (Jim Kramer)During this episode, we’ll discuss some potential tax breaks for people who are in their 50s and 60s, the self-employed, and tax breaks that anyone can take advantage of.401k,social,security,ira,roth Sat, 03 Apr 2021 00:00:00 +0000 episode-3314 no James Paul Kramer full Sat, 03 Apr 2021 00:00:00 +0000 radio@gradientps.com (Jim Kramer)During this episode, we’re going to discuss some of the critical questions you should ask a financial services professional you’re considering working with. In our final segment, will look at some steps you can take if your retirement date is very close.401k,social,security,ira,roth Sat, 27 Mar 2021 00:00:00 +0000 episode-3293 no James Paul Kramer full Sat, 27 Mar 2021 00:00:00 +0000 radio@gradientps.com (Jim Kramer)During this episode, we’re going to examine financial statistics that may surprise you, scare you, or inspire you to readjust your own financial strategy.401k,social,security,ira,roth Sat, 20 Mar 2021 00:00:00 +0000 episode-3272 no James Paul Kramer full Sat, 20 Mar 2021 00:00:00 +0000 radio@gradientps.com (Jim Kramer)During this episode, we’re going to do a deep analysis of the recently passed American Rescue Plan. In our final segment, we’ll address some good post-pandemic budgeting options.401k,social,security,ira,roth Sat, 13 Mar 2021 00:00:00 +0000 episode-3246 no James Paul Kramer full Sat, 13 Mar 2021 00:00:00 +0000 radio@gradientps.com (Jim Kramer)In this episode we discuss how to prepare for Market Downturns and how to minimize risk.401k,social,security,ira,roth Sat, 06 Mar 2021 00:00:00 +0000 episode-3214 no James Paul Kramer full Sat, 06 Mar 2021 00:00:00 +0000 radio@gradientps.com (Jim Kramer)During today’s episode, we’re going to analyze what steps you should take if 2021 (or a year shortly thereafter) is your year to retire.401k,social,security,ira,roth Sat, 27 Feb 2021 00:00:00 +0000 episode-3186 no James Paul Kramer full Sat, 27 Feb 2021 00:00:00 +0000 radio@gradientps.com (Jim Kramer)During this episode, we’re going to really break down 401(k) so that listeners can gain a deeper understanding of their importance. We’ll also discuss way to maximize your 401(k).401k,social,security,ira,roth Sat, 20 Feb 2021 00:00:00 +0000 episode-3159 no James Paul Kramer full Sat, 20 Feb 2021 00:00:00 +0000 radio@gradientps.com (Jim Kramer)The retirement you’ve been dreaming about is possible, if you’re prepared. This episode of Financially Tuned concisely addresses the Eight Obstacles of Retirement: income, life expectancy, taxes, market downturns, rising inflation, Medicare, long-term care and losing your spouse.401k,social,security,ira,roth Sat, 13 Feb 2021 00:00:00 +0000 episode-3136 no James Paul Kramer full Sat, 13 Feb 2021 00:00:00 +0000 radio@gradientps.com (Jim Kramer)For many people, Social Security is the key element of their financial retirement strategy, so it’s critical to understand Social Security’s many rules, regulations and quirks. Additionally, in most cases, Social Security should be only one component of a robust strategy.401k,social,security,ira,roth Sat, 06 Feb 2021 00:00:00 +0000 episode-3105 no James Paul Kramer full Sat, 06 Feb 2021 00:00:00 +0000 radio@gradientps.com (Jim Kramer)During this episode, we’ll be taking a close look at annuities to define exactly what they are, how they work, how much they cost and how to determine if they may fit your overall financial strategy. While an annuity may be able to provide lifetime income, there’s plenty of nuance, as well as risks, that you should be aware of.401k,social,security,ira,roth Sat, 23 Jan 2021 00:00:00 +0000 episode-3047 no James Paul Kramer full Sat, 23 Jan 2021 00:00:00 +0000 radio@gradientps.com (Jim Kramer)During this episode, we’re going to look at some of the common financial fears that people nearing retirement often experience and how they can be overcome. In the final segment, we’ll discuss how you can develop a savings target for retirement.401k,social,security,ira,roth