Blog

Caring for Your Aging Parents

Peg Chromy Webb — Sun, 09 May 2021 17:39:00 GMT

Many folks are sandwiched between helping out their children and caring for their parents. Bruce and Peg are here with some advice for making parental care financially feasible.

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The opinions voiced in this show are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which investment(s) may be appropriate for you, consult with your attorney, accountant, and financial advisor or tax advisor prior to investing.

Q2 2021 Open Lines

Bruce Helmer — Sun, 02 May 2021 17:33:00 GMT

Between the new tax proposals, Reddit stocks and memecoin, our listeners have a lot of questions. Bruce and Peg have answers.

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The Your Money Matrix

Peg Chromy Webb — Mon, 26 Apr 2021 04:00:00 GMT

Having a solid financial plan isn’t about hitting the hot stock or timing the markets. Bruce and Peg give you the scoop on the philosophy that can help you keep to your plan, rain or shine.

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7 Market Movers for Q1 2021

Bruce Helmer — Sun, 18 Apr 2021 20:46:00 GMT

The 1st quarter of 2021 saw GDP growth as the economy continued to recover from COVID-related shutdowns. Bruce is joined by Chris Haarstick, Director of Investments, to discuss the quarter that was and what we can expect.

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Making the Most of the New Tax Deadline

Peg Chromy Webb — Sun, 11 Apr 2021 20:02:00 GMT

The IRS has moved the tax filing deadline to May 17. Bruce and Peg have some advice on how to use that extra month to your advantage.

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Planning Your Post-COVID Vacation

Bruce Helmer — Sun, 04 Apr 2021 20:27:00 GMT

With more people getting vaccinated, people are looking forward to some post-COVID vacationing. Bruce and Peg have some advice for getting the most vacation bang for your buck.

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Making Tax Time Fun

Peg Chromy Webb — Sun, 28 Mar 2021 19:41:00 GMT

When it comes to tax time, you might not think of having fun. Bruce and Peg explain how out of the box thinking can help you come tax time.

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The American Rescue Plan Act and You

Bruce Helmer — Wed, 24 Mar 2021 18:08:32 GMT

The American Rescue Act has a lot of provisions, and whether you qualify for some of the benefits can be a tricky question. Bruce is joined by Ryan McKeown to tell you everything you need to know.

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Don't Rely On Luck For Your Retirement

Bruce Helmer — Sun, 14 Mar 2021 20:20:00 GMT

People often compare the markets or investing to the stock market. Bruce and Peg think that’s a lie, and one that can be destructive to your financial goals.

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Money Mistakes by Generation

Peg Chromy Webb — Sun, 07 Mar 2021 16:56:00 GMT

Time is money and money loves time. Bruce and Peg discuss the importance of knowing where you are in your retirement timeline.

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Marrying Later in Life

Bruce Helmer — Mon, 01 Mar 2021 16:58:14 GMT

New romance isn’t just for young lovers. For a variety of reasons, many are choosing to get married later in life, and Bruce and Peg are here to talk about the special considerations that entails.

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Your Super Bowl Financial Game Plan

Peg Chromy Webb — Sun, 07 Feb 2021 20:45:00 GMT

Another Super Bowl, another round of sports analogies. Bruce and Peg offer strategies to take you to a championship level retirement.

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Not an Option: Your Emergency Savings Plan

Bruce Helmer — Sun, 31 Jan 2021 22:48:00 GMT

Having an emergency savings might seem like an afterthought. Bruce and Peg want to bring it front of mind, and want you to make it part of your financial strategy.

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Your Social Security Questions Answered

Peg Chromy Webb — Sun, 24 Jan 2021 22:10:00 GMT

Social Security brings with it a lot of questions. Bruce and Peg offer some advice for when to begin taking it, the tax implications of it, and what else you need to know about it.

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7 Market Movers Q1 2021

Bruce Helmer — Sun, 17 Jan 2021 23:25:00 GMT

The 4^th quarter of 2020 spoke to the importance of a diversified portfolio. Bruce and Peg are joined by Chris Haarstick, Director of Investments, to discuss how 2020 concluded and what we can expect in 2021.

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How to Properly Set a Budget

Bruce Helmer — Sun, 10 Jan 2021 19:21:00 GMT

A lot of people have made financial New Year’s resolutions, but without a budget, you aren’t going to keep them. Bruce and Peg offer some tips for setting your budget and sticking to it.

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The Ins and Outs of Gifting

Bruce Helmer — Sun, 13 Dec 2020 21:33:00 GMT

It’s the holiday season, and it’s end of year giving season. Bruce and Peg are joined by David Hill to discuss how the charitably inclined to make their dollars go further.

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Don't Sweat the Elections... Part Two

Bruce Helmer — Sun, 08 Nov 2020 21:28:00 GMT

After a tumultuous election season, you might be concerned about your pocketbook. Bruce and Peg are joined by Chris Haarstick to discuss how and why to stick to your financial plan.

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Don't Make the Recession Harder on Yourself

Peg Chromy Webb — Mon, 02 Nov 2020 00:54:00 GMT

Recessions are inevitable. A smart financial plan anticipates them and accounts for them. Bruce and Peg discuss the pitfalls of overreacting to recessions and making poor decisions as a result.

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Embracing the I Don't Know

Bruce Helmer — Sun, 25 Oct 2020 19:23:00 GMT

Bruce and Peg are always asked what the markets are going to do, and they always give the correct answer, “we don’t know.” Embracing our ignorance helps us make stronger financial decisions.

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Expecting the Unexpected

Peg Chromy Webb — Sun, 18 Oct 2020 22:27:00 GMT

Job loss, pandemics, election results. If 2020 has taught us anything, it’s that there are no guarantees. Bruce and Peg offer some tips for keeping afloat when things don’t go your way.

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Discussing the Biden Tax Plan

Bruce Helmer — Sun, 11 Oct 2020 21:46:00 GMT

It’s election season, and that means it’s time to look at what the candidates might actually do if elected. Bruce is joined by Brian Vnak to talk about what that means for you.

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This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.

Contributions to a traditional IRA may be tax deductible in the contribution year, with current income tax due at withdrawal. Withdrawals prior to age 59.5 may result in a 10% IRS penalty tax in addition to current income tax.

A Roth IRA offers tax deferral on any earnings in the account. Qualified withdrawals of earning from the account are tax-free. Withdrawals of earnings prior to age 59.5 or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Limitations and restrictions may apply.

Getting Your Credit In Order

Peg Chromy Webb — Sun, 04 Oct 2020 21:01:00 GMT

With mortgage rates near all-time lows, a lot of people are looking at their credit. Bruce and Peg have some advice for being proactive about getting your ducks in a row.

Full Episode

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Non-Cash Compensation in a Downturn

Bruce Helmer — Sun, 27 Sep 2020 22:33:00 GMT

In a recession, we not only need to think about our paycheck, but our non-cash compensation as well. Bruce and Peg offer some tips for keeping your compensation rolling in a downturn.

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Fall 2020 Open Lines

Peg Chromy Webb — Mon, 21 Sep 2020 00:06:00 GMT

Summer is over. Election season is around the corner. Congress is fighting over COVID legislation. Bruce and Peg took your calls to try to make sense of it all.

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Giving Your Retirement the Kickoff it Needs

Peg Chromy Webb — Sun, 13 Sep 2020 16:18:00 GMT

Football season is here, it’s time to think about your retirement game plan. Bruce and Peg are here with some ways to kick off your retirement.

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Enjoying the Fruits of Your Labor

Bruce Helmer — Sun, 06 Sep 2020 18:53:00 GMT

You work hard for your money, and when it comes to retirement, you want to enjoy the fruits of your labor. Bruce and Peg offer some ways you can plan now to pay less in taxes later.

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The New Legislative Landscape

Peg Chromy Webb — Sun, 30 Aug 2020 15:34:00 GMT

Between tax laws, retirement reform, and the ongoing response to COVID-19, much has changed as it relates to your finances. Bruce and Peg are here to summarize the changes and how they might impact you.

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Ways to Afford Your Mortgage Into Retirement

Bruce Helmer — Sun, 23 Aug 2020 21:49:00 GMT

When you retire, your income goes away, but your mortgage doesn’t. Bruce and Peg offer some tips to making sure you aren’t house poor in retirement.

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Estate Planning and You

Peg Chromy Webb — Sun, 16 Aug 2020 21:07:00 GMT

People don’t always like to talk about estate planning, but doing so can save your family heartache down the road. Bruce and Peg offer their perspective and advice.

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The Long and Short of Long-Term Care

Bruce Helmer — Sun, 09 Aug 2020 20:58:00 GMT

Long-term care isn’t something we like to think about, but chances are, you’re going to need it. Bruce and Peg discuss how to prepare for when you may need extended care.

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Should I Withdraw From My 401(k) Early?

Peg Chromy Webb — Sun, 02 Aug 2020 21:17:00 GMT

With all the economic turmoil, it might be tempting to pull your money from your 401(k). Bruce and Peg discuss the perils of early withdrawal and some strategies for avoiding it.

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Capital Gains and Your Retirement

Peg Chromy Webb — Sun, 26 Jul 2020 21:24:00 GMT

Capital gains are great. The taxes? Not so much. Bruce and Peg discuss how to keep capital gains from taking a bite out of your retirement plans.

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It's a Your Money RMD Quickfire

Bruce Helmer — Sun, 19 Jul 2020 21:56:00 GMT

Required Minimum Distributions are tricky to begin with, but recent policy changes have made them even more so. Ryan McKeown joins Bruce and Peg to tackle the toughest RMD questions.

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Looking Back on Q2 and Looking Ahead to Q3

Peg Chromy Webb — Sun, 12 Jul 2020 16:01:00 GMT

The 2^nd quarter of 2020 was one marked by contradiction. Peg is joined by Chris Haarstick, Director of Investments, to discuss how markets responded to the coronavirus and what might lie ahead.

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Preparing for Grandchildren

Bruce Helmer — Sun, 05 Jul 2020 22:17:00 GMT

You’ve been asking your kids when they would give you grandkids, and now they’ve called your bluff. Bruce and Peg talk about the things to expect when they’re expecting.

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Prior to investing in a 529 Plan investors should consider whether the investor's or designated beneficiary's home state offers any state tax or other state benefits such as financial aid, scholarship funds, and protection from creditors that are only available for investments in such state's qualified tuition
program. Withdrawals used for qualified expenses are federally tax free. Tax treatment at the state level may vary. Please consult with your tax advisor before investing.

It's Tax Season (Again)!

Peg Chromy Webb — Sun, 28 Jun 2020 22:34:00 GMT

The reprieve is over, and it’s time to get cracking on your taxes. Bruce and Peg offer some ways you can prepare for the new tax deadline in July.

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When Recession Hits, Protect Your Retirement

Bruce Helmer — Tue, 23 Jun 2020 21:36:00 GMT

We are officially in a recession, but that doesn’t mean you should be done investing. Bruce and Peg offer their tips for investing when the economy is slow.

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Don't Sweat the 2020 Elections... Financially

Peg Chromy Webb — Sun, 14 Jun 2020 20:44:00 GMT

It has been a chaotic election year, to say the least. Bruce and Peg are here to tell you to expect it to continue, but don’t worry and stick to your financial plan.

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Making Large Purchases While the Markets are Down

Bruce Helmer — Sun, 24 May 2020 19:13:00 GMT

When the markets are down, that can be a good time to consider big ticket purchases. Whether you are planning on buying a house, a car, or your child’s education, Bruce and Peg share what you need to do before you plunk down the dough.

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Forget Something? Three Ways to Get Your Finances Back on Track

Peg Chromy Webb — Sun, 17 May 2020 17:57:00 GMT

With all the turmoil lately, it’s likely you have let some aspects of your financial gameplan slip. Bruce and Peg have a few ideas for getting back on track and take caller questions.

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Rebalancing a portfolio may cause investors to incur tax liabilities and/or transaction costs and does not assure a profit or protect against a loss.

Don't Try to Time a Volatile Market

Bruce Helmer — Sun, 03 May 2020 17:16:00 GMT

Negative oil prices? A global pandemic? Looming recession? How can the markets ever go up? Bruce and Peg talk about what’s happening in the markets and how you can stay on course.

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There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

Rebalancing a portfolio may cause investors to incur tax liabilities and/or transaction costs and does not assure a profit or protect against a loss.

The fast price swings in commodities and currencies will result in significant volatility in an investor’s holdings.

The CARES Act, Unemployment and Small Business

Peg Chromy Webb — Sun, 26 Apr 2020 18:46:00 GMT

The CARES Act was passed with the goal of keeping people working during the pandemic. Ryan McKeown joins Bruce and Peg to discuss that and other provisions designed to get people through these trying times.

Full Episode

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Financial Planning While You Socially Distance

Bruce Helmer — Sun, 19 Apr 2020 17:26:00 GMT

It might feel like life is on hold, but there are some things you can do to keep tracking to your retirement goals. Bruce and Peg offer some things you can do while distancing and take caller questions.

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Open Lines: Coronavirus, CARES Act and More

Peg Chromy Webb — Sun, 12 Apr 2020 21:00:00 GMT

With all the questions surrounding the coronavirus and the markets, Bruce and Peg opened the lines to answer questions about your money.

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Traditional IRA account owners should consider the tax ramifications, age and income restrictions in regards to executing a conversion from a Traditional IRA to a Roth IRA. The converted amount is generally subject to income taxation.

How to Benefit from the CARES Act

Bruce Helmer — Sun, 05 Apr 2020 16:32:00 GMT

Last week, congress passed the CARES Act, offering $2 trillion in aid to those affected by the coronavirus. Peg is joined by Ryan McKeown to dig into what this means for you.

Full Episode

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Positive Steps to Take While Staying at Home

Peg Chromy Webb — Mon, 30 Mar 2020 01:10:00 GMT

At least in the short-term, the economic news isn’t going to be very good. Bruce and Peg have some tips to use the situation to help get your financial house in order.

Full Episode

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The economic forecasts set forth in this material may not develop as predicted and there can be no guarantee that strategies promoted will be successful.

Rebalancing a portfolio may cause investors to incur tax liabilities and/or transaction costs and does not assure a profit or protect against a loss.

Staying Sane While Social Distancing

Bruce Helmer — Sun, 22 Mar 2020 21:06:00 GMT

As the nation stays home, many are worried about the financial impact of the coronavirus. Some historical perspective and proactive measures can help you stay sane in troubled times.

Full Episode

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The economic forecasts set forth in this material may not develop as predicted and there can be no guarantee that strategies promoted will be successful.

Traditional IRA account owners should consider the tax ramifications, age and income restrictions in regards to executing a conversion from a Traditional IRA to a Roth IRA. The converted amount is generally subject to income taxation.

The Coronavirus and Market Volatility

Bruce Helmer — Sun, 01 Mar 2020 21:27:00 GMT

The markets are clearly responding to headlines and news about the spread of Coronavirus beyond China’s borders. As always, we advise people to think long-term when it comes to their investments.

Full Episode

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Happy Leap Year! Taking Advantage of Your Extra Day

Bruce Helmer — Sun, 23 Feb 2020 22:01:00 GMT

It’s 2020, and that means we are in a leap year. Bruce and Peg firmly believe that time is money and are here to offer pointers to help you manage your time and take advantage of your extra day.

Full Episode

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