Path To Wealth & Wisdom

In this episode, Peter and Sean discuss how women approach finances and manage risk in retirement. They explore the unique challenges women may face, including longevity and care-giving roles, and why it's essential for women to be actively involved in financial planning. Tune in to learn how thoughtful retirement strategies can lead to greater financial security and confidence.

Sean and Peter dive into the question of how much cash you should have in retirement and the role it plays in your overall financial security. They talk through the benefits of keeping 3–6 months of living expenses set aside and when you might need more. They also explore smart places to keep your cash, like high-yield savings accounts or CDs, versus keeping it at home.

This week, Peter and Sean break down the components of a solid estate plan—wills, trusts, powers of attorney, and more—and explain how each part plays a role in protecting your assets. They discuss why creating an estate plan is one of the most important steps you can take for your loved ones. You'll also learn when to start planning and how a fiduciary can help keep everything aligned with your goals.

This week, Peter and Deb talk all things Medicare Open Enrollment, happening now through December 7th. They discuss why it’s important to review your current plan and what to consider when making changes. Listen in as they explain the different parts of Medicare, how each one functions, what the potential costs are, and how they work together to create the right coverage for your needs.

This week, Sean and Peter explore the key benefits of working with a financial advisor. They discuss how advisors provide valuable education, help remove emotions from financial decisions, and manage risk more effectively. Plus, they explain how a fiduciary is legally obligated to act in your best interest when it comes to investments. Visit Sean Tole's website: http://www.daviswealthmgmt.com/ Phone number: (603) 715-2335 E-mail: sean@daviswealthmgmt.com

In this episode, Sean Tole shares the most important questions to ask your advisor, ways to find out if they are they right advisor for you, and the benefit of working with a fiduciary. So you can make confident, informed decisions about your financial future. Not all financial advisors are created equal—and the right questions can help you find someone who truly fits your needs. Visit Sean Tole's website: http://www.daviswealthmgmt.com/ Phone number: (603) 715-2335 E-mail: sean@daviswealthmgmt.com

In this episode, Sean explores the unique challenges and strengths women bring to financial planning and retirement preparation. He discusses why women often have a natural advantage in patience and long-term perspective, the importance of couples planning together, and the financial realities of longer lifespans, fewer pensions, and rising healthcare costs. Sean also touches on Social Security strategies and how women can gain confidence and control over their financial future. Visit Sean Tole's website: http://www.daviswealthmgmt.com/ Phone number: (603) 715-2335 E-mail: sean@daviswealthmgmt.com

Listen in as Sean breaks down the often-overlooked concept of sequence of returns risk and its impact on retirement planning. He explains why the timing of market gains and losses can dramatically affect your savings, withdrawal strategies, and long-term financial security. The conversation also covers ways to protect your nest egg, including diversification, annuities, and debt reduction. Visit Sean Tole's website: http://www.daviswealthmgmt.com/ Phone number: (603) 715-2335 E-mail: sean@daviswealthmgmt.com

Join us as Sean breaks down everything you need to know about Roth IRAs and how they can help you maximize your retirement savings. You’ll learn the differences between traditional and Roth IRAs, the tax advantages of Roth accounts, and important rules around Roth conversions and inherited accounts. Sean also explains the impact of required minimum distributions, income limits, and why Roth IRAs are becoming increasingly popular in today’s unpredictable financial landscape. Visit Sean Tole's website: http://www.daviswealthmgmt.com/ Phone number: (603) 715-2335 E-mail: sean@daviswealthmgmt.com

In this episode, Sean and Peter dive into the challenges of market volatility and the emotional rollercoaster investors face in today’s unpredictable financial world. From understanding risk profiles and creating strategic portfolios to navigating retirement planning and preserving wealth during market swings, Sean shares practical advice on how to stay disciplined, avoid knee-jerk reactions, and protect your nest egg. He also explores tools like annuities for principal-protected growth and the importance of long-term planning amid uncertain economic conditions. Visit Sean Tole's website: http://www.daviswealthmgmt.com/ Phone number: (603) 715-2335 E-mail: sean@daviswealthmgmt.com

This episode, Sean and Peter dive into the importance of working with a fiduciary financial advisor- professionals legally obligated to put your interests first. Along the way, they touch on the challenges younger generations face with saving and homeownership, and how understanding compounding interest can transform your financial future. Learn how fiduciaries operate, the different fee structures to expect, and why having an advisor who truly prioritizes your goals can make all the difference in planning for retirement. Visit Sean Tole's website: http://www.daviswealthmgmt.com/ Phone number: (603) 715-2335 E-mail: sean@daviswealthmgmt.com

Losing a parent is emotionally devastating, and navigating the financial aftermath can add even more stress. In this episode, Sean and Peter discuss the critical steps families must take after a parent's passing. From probate and trusts to inheritance planning and estate taxes, they explore how proper preparation can ease the burden during an already difficult time. Visit Sean Tole's website: http://www.daviswealthmgmt.com/ Phone number: (603) 715-2335 E-mail: sean@daviswealthmgmt.com

This week, Sean and Peter discuss the future of Social Security and what retirees need to know. From market volatility to legislative gridlock, they explore how current economic conditions and political decisions impact retirement planning. Whether you're close to retiring or just starting to think about it, this conversation sheds light on timing your Social Security benefits, managing risk, and preparing for the long haul. Visit Sean Tole's website: http://www.daviswealthmgmt.com/ Phone number: (603) 715-2335 E-mail: sean@daviswealthmgmt.com

Many would consider $1.5 million enough to retire on in 2025. But is it really enough? A new study shows how long Social Security and a $1.5 million nest egg would last in 50 states... let's see where New Hampshire falls on the list. Visit Sean Tole's website: http://www.daviswealthmgmt.com/ Phone number: (603) 715-2335 E-mail: sean@daviswealthmgmt.com

In this episode, Sean explores why Roth accounts may be one of the most powerful tools in retirement planning today. He explains the pros and cons of Roth conversions, how RMDs work, and why legislative risk is something to watch. You’ll also learn why paying taxes now could save you- and your heirs- later. Visit Sean Tole's website: http://www.daviswealthmgmt.com/ Phone number: (603) 715-2335 E-mail: sean@daviswealthmgmt.com

Despite economic uncertainty, there are reasons to be optimistic about retirement savings. In this episode, Sean Tole of Davis Wealth Management and Peter St. James discuss encouraging trends, including a 40% increase in retirement savings over the past decade. Visit Sean Tole's website: http://www.daviswealthmgmt.com/ Phone number: (603) 715-2335 E-mail: sean@daviswealthmgmt.com

Should you invest now or wait for the "perfect" moment? Many people hesitate when markets are high, fearing a downturn—but is that the right approach? In this episode, Sean Tole of Davis Wealth Management explains why trying to time the market is a losing game and how strategies like dollar-cost averaging can help you build long-term wealth. Visit Sean Tole's website: http://www.daviswealthmgmt.com/ Phone number: (603) 715-2335 E-mail: sean@daviswealthmgmt.com

With millions of Americans approaching retirement, financial headlines claim that $2 million is "chump change" for a comfortable future. But is that really true? In this episode, Sean Tole of Davis Wealth Management breaks down the real factors that determine how much you need to retire—your lifestyle, expenses, and financial strategy. Visit Sean Tole's website: http://www.daviswealthmgmt.com/ Phone number: (603) 715-2335 E-mail: sean@daviswealthmgmt.com

Life insurance is often seen as a way to leave money behind for loved ones, but the reality is that some types of life insurance can benefit you while you're still alive. These policies can offer financial protection, provide income options, and even support your retirement goals. Tune into this episode as we explore the different types of life insurance, who should consider them, and how they can play a key role in your long-term financial strategy. Visit Sean Tole's website: http://www.daviswealthmgmt.com/ Phone number: (603) 715-2335 E-mail: sean@daviswealthmgmt.com

How much emergency savings do you really need in retirement? Sean is here to break it all down! In this episode, we’ll discuss the ideal emergency fund size, what counts as a true emergency, and strategies for replenishing your savings when unexpected expenses arise. Tune in to make sure you’re financially prepared for whatever comes your way! Visit Sean Tole's website: http://www.daviswealthmgmt.com/ Phone number: (603) 715-2335 E-mail: sean@daviswealthmgmt.com