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Money Wisdom

Business & Economics Podcasts

Listen to Johnson Brunetti's Money Wisdom with Joel Johnson CFP®, host of Better Money Television program and Forbes Contributor. Gain true financial wisdom and advice aimed at educating you about all of your financial options when it comes to retirement so you can make the best decisions for you and your family. Get information and education that can bring you peace of mind with your savings and retirement. Whether it’s your 401(k) account, IRA, or an underperforming asset, Joel Johnson can answer your questions and make you more aware of issues that may affect you.

Location:

United States

Description:

Listen to Johnson Brunetti's Money Wisdom with Joel Johnson CFP®, host of Better Money Television program and Forbes Contributor. Gain true financial wisdom and advice aimed at educating you about all of your financial options when it comes to retirement so you can make the best decisions for you and your family. Get information and education that can bring you peace of mind with your savings and retirement. Whether it’s your 401(k) account, IRA, or an underperforming asset, Joel Johnson can answer your questions and make you more aware of issues that may affect you.

Language:

English


Episodes

The Good ‘Ole Days of Retirement Planning

3/1/2024
There were a lot of things that were different back then, for maybe past generations, than they are for people retiring today. So we're going to talk about how things are different now than they used to be. Gone are the days when retirees could rely solely on pensions and Social Security. Today, proactive planning is crucial for a sustainable financial future. The episode with Eric Hogarth, CFP®, highlights that Social Security was never meant to be the only source of income in retirement. With life expectancies increasing, the need for a robust strategy that accounts for a longer retirement phase is more important than ever. Here’s some of what we discuss in this episode: Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/ Contact our team: https://johnsonbrunetti.com/contact-us/

Duration:00:15:47

Getting Ready for Tax Season

2/23/2024
We have a very timely conversation today as tax season is upon us once again and getting organized is top of mind. Either you're really happy with yourself because you already got your tax return done and filed and don't have to worry about it anymore, or you're still collecting documents and just worrying about it in general. Even if you’re getting a tax refund, you might still worry about doing taxes. It's just not a fun process for most people. So we wanted to talk with Heath Grossman, CFP®, about what you can be doing to make this tax season as smooth as possible for yourself. Here’s some of what we discuss in this episode: Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/ Contact our team: https://johnsonbrunetti.com/contact-us/

Duration:00:12:11

When Should I Overhaul My Portfolio?

2/16/2024
As market uncertainty looms, the question that plagues every investor's mind is when to overhaul their investment portfolio. The upcoming year looks like it could be filled with volatility once again, so how should your investments be positioned? In our latest podcast, we featured Matt Pastor, RICP to discuss investment strategies and unpack the critical decision-making that comes with adjusting your assets in response to market shifts. With the focus on avoiding the classic blunders of buying high and selling low, Matt shed light on the importance of a proactive approach over a reactive one, especially as you sail towards the golden years of retirement. Here’s some of what we discuss in this episode: Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/ Contact our team: https://johnsonbrunetti.com/contact-us/

Duration:00:13:00

Crafting a Retirement with Vision and Preparation

2/9/2024
Planning for a fulfilling retirement is a significant life milestone, representing the culmination of years of hard work and the dawn of a new, exciting chapter. But retirement planning goes beyond just financial security. It is a holistic process that also involves emotional well-being, nurturing social connections, and the pursuit of purpose. In our latest podcast, Eric Hogarth, CFP® joined the show to discuss the approach to retirement when people are prepared and have a vision for what they want it to look like versus those that don’t have any idea. The vast majority of people we work with fall into that latter category, which is why we wanted to spend some time outlining the importance of knowing what you want the next chapter of life to look like. Here’s some of what we discuss in this episode: Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/ Contact our team: https://johnsonbrunetti.com/contact-us/

Duration:00:16:22

Can You Trust Retirement Income Projections on Your Account Statement?

2/2/2024
We’ve all opened up a statement and seen the retirement income that’s projected from that account. Not every account has it but most do. The question is how much can you trust that number and can you base a retirement plan on what you see? Retirement planning can be a daunting task, with numerous variables and uncertainties that can make or break your financial future. Understanding the intricacies of income projections and tailored strategies is essential to secure a comfortable retirement, and we brought Jake Doser, CFP® onto the podcast to help explain these projections a bit more. Here’s some of what we discuss in this episode: Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/ Contact our team: https://johnsonbrunetti.com/contact-us/

Duration:00:13:39

Social Security Planning Decisions for Women

1/26/2024
As women approach retirement age, it's crucial to understand the nuances of Social Security and its impact on long-term financial health. On our latest podcast featuring Heather Atkins, CFP®, CRPC® we will shed some light on this topic, focusing on why women tend to claim Social Security benefits at 62 and the implications of such decisions. Here’s some of what we discuss in this episode: Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/ Contact our team: https://johnsonbrunetti.com/contact-us/

Duration:00:12:07

Strategic Planning for Required Minimum Distributions

1/19/2024
When it comes to retirement, understanding Required Minimum Distributions (RMDs) and staying ahead of them is important for financial success in retirement. In our latest podcast, Matt Pastor, RICP explains the intricacies of RMDs and sheds light on why early planning is essential. Here’s some of what we discuss in this episode: Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/ Contact our team: https://johnsonbrunetti.com/contact-us/

Duration:00:13:34

Pension Planning: Lump Sum or Monthly Payments?

1/12/2024
Believe it or not, we still get a lot of questions about pensions. Just because there aren’t many private companies that are still offering pensions, there are still many people that had them at a job 20 years ago and they have a choice to make or they are retiring from a state employee job. Whatever the case, one of the questions that people are trying to work through is do I take the lump sum on this pension or do I take the monthly income for the rest of my life? Heath Grossman, CFP® joins the podcast to walk us through that conversation because the answer won’t be the same for everyone. It needs to be a part of the broader retirement income plan and we’ll share a look into how to determine the best answer for you and your family. Here’s some of what we discuss in this episode: Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/ Contact our team: https://johnsonbrunetti.com/contact-us/

Duration:00:12:24

What are Your Best Financial Options for Buying a Car?

1/5/2024
Let’s talk a little bit about a fun topic that we haven’t covered on the podcast much in the past, which is buying cars. Pretty much everyone has a driver’s license and uses a car so it’s a topic that impacts most people. More importantly, buying a car is a large financial decision and making a smart purchase could save you significant dollars over time. We brought Eric Hogarth, CFP® back onto the show to discuss the car-buying process and some of the things that you need to consider before you sign the check on your next car. Here’s some of what we discuss in this episode: Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/ Contact our team: https://johnsonbrunetti.com/contact-us/

Duration:00:13:36

What’s a Reasonable Return for My Investments?

12/29/2023
When it comes to investing, one of the most common concerns is how to achieve 'reasonable returns,' particularly as retirement approaches. The term 'reasonable' can be quite subjective and varies greatly from person to person. It's influenced by individual risk tolerance, financial goals, and the stage of life you're in. In the recent podcast episode of Money Wisdom, Jake Doser, CFP® will unravel the complexities behind crafting a personalized investment strategy that ensures retirement readiness without unnecessary risk. Here’s some of what we discuss in this episode: Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/ Contact our team: https://johnsonbrunetti.com/contact-us/

Duration:00:14:56

The Pick Two of the Investment World

12/22/2023
Picking from a lunch menu will often give you the option to choose two items from a group. You might pick soup and a sandwich or a salad and a sandwich, but you just can’t select everything off the menu. That’s very similar to the investment world when you’re choosing between safety, growth, and liquidity. Designing an investment plan requires you to pick the two that you want to achieve so let’s talk about which investments help you achieve each of these. Here’s some of what we discuss in this episode: Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/ Contact our team: https://johnsonbrunetti.com/contact-us/

Duration:00:10:10

The Psychology of Leaving Your Career

12/15/2023
If you ask most people, they will tell you they’re excited for the day they can leave work and head into retirement. And while that’s a valid feeling, many of those same people aren’t prepared for life after a career that’s been at the core of their daily routine for decades. Whether you’re selling a business, retiring, or moving out of one career for another, let’s talk about the psychology of this life change and how it impacts people. Here’s some of what we discuss in this episode: Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/ Contact our team: https://johnsonbrunetti.com/contact-us/

Duration:00:14:29

Are Reverse Mortgages Bad?

12/8/2023
You’ve probably heard about reverse mortgages and might even be considering one in retirement. It’s not a question we get all the time but it’s one where somebody is seriously considering it by the time they ask us to weigh in on it. In this episode of the podcast, Jake Doser, CFP® helps us better understand this product and why someone may or may not choose to use one. Here’s some of what we discuss in this episode: Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/ Contact our team: https://johnsonbrunetti.com/contact-us/

Duration:00:14:15

Is It a Bad Idea to Take Out a 401k Loan?

12/1/2023
Part of managing your finances and making the best decisions for retirement is understanding how to best utilize the assets you have in your possession. One of the largest accounts most people have is their 401k and it’s impossible to ignore if you need to make larger purchases. But is it a bad idea to take out a 401k loan? Here’s some of what we discuss in this episode: Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/ Contact our team: https://johnsonbrunetti.com/contact-us/

Duration:00:11:27

Do I Need Life Insurance in Retirement?

11/24/2023
We’re with Matt Pastor, a financial advisor on our team, to talk about life insurance and the need for it in retirement. Once you’ve earned enough to take care of your family and the kids are through college, do you still need to carry that policy? This is a great question and the answer will vary from person to person depending on your needs. Here’s some of what we discuss in this episode: Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/ Contact our team: https://johnsonbrunetti.com/contact-us/

Duration:00:10:42

What Do I Do The Last Five Years Before I Retire?

11/17/2023
Those final years leading up to retirement can be an incredibly exciting time but they can also stir up a little nervous energy. Have you done everything you need to? What should you be thinking about right now? In our latest podcast, we talked with Eric Hogarth, CFP® about the five years before retirement and what you need to do during that time. Here’s some of what we discuss in this episode: Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/ Contact our team: https://johnsonbrunetti.com/contact-us/

Duration:00:10:53

Understanding ETFs vs Mutual Funds

11/10/2023
A question that many investors ask is whether they should be investing in ETFs or mutual funds. It’s a legitimate question because a lot of people don’t truly understand the difference between the two. In our latest podcast, we want to address the technical part of this question but do so with a less technical conversation. Here’s some of what we discuss in this episode: Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/ Contact our team: https://johnsonbrunetti.com/contact-us/

Duration:00:11:26

What Does It Mean to Leave a Financial Legacy?

11/3/2023
The concept of financial legacy means different things to different people. Some people might hear that and think about their will or estate documents, but that’s not what we’re talking about here. This conversation will be a little bigger picture and a bit more philosophical. Here’s some of what we discuss in this episode: Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/ Contact our team: https://johnsonbrunetti.com/contact-us/

Duration:00:14:59

How am I Taxed on Non-IRA Stock I Inherited?

10/27/2023
Today we’re going to talk about how to handle the taxation on stock that isn’t in an IRA and gets inherited. For example, let’s say someone bought 100 shares of Apple stock in 1987 and they leave it to their kids when they pass away. How are you taxed on this stock? To help us answer the question, we’ve brought on Jake Doser, a financial advisor at Johnson Brunetti. Here’s some of what we discuss in this episode: Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/ Contact our team: https://johnsonbrunetti.com/contact-us/

Duration:00:13:17

Does Everyone Need Long Term Care Insurance?

10/20/2023
Today we’re going to answer one of the two or three biggest questions that people tend to have about their retirement plan. As you look ahead to retirement and the largest expenses you might incur, long-term care will always be a part of that discussion. So does everyone need long-term care insurance? This can be a broad conversation but it addresses one of the top concerns for retirees. For people that have planned properly and feel good about the income they have coming in for retirement, they want to identify areas where problems could arise and health issues and long-term care or assisted living is one of those areas that need attention. We brought Heath Grossman, CFP® onto the podcast to help you understand the different aspects of this conversation that ultimately guide you to an answer to this important question. Here’s some of what we discuss in this episode: Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/ Contact our team: https://johnsonbrunetti.com/contact-us/

Duration:00:13:28