Path To Wealth & Wisdom

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

In this episode, we're talking about the impact of sequence risk on retirement savings. Sean will explain how the timing of market gains and losses can affect the longevity of your portfolio, especially during the critical years before and after retirement. Then, he shares some strategies for managing this risk. Visit Sean Tole's website: http://www.daviswealthmgmt.com/ Phone number: (603) 715-2335 E-mail: sean@daviswealthmgmt.com

More and more people are wanting to retire younger. But before you pull the trigger, it's important that you have a plan in place! In today's episode, we're talking about all things pre-retirement planning. From the big questions- like whether you’re really ready for the cost of health insurance and how much Social Security will actually cover- to the smaller stuff (like how often you’ll want to go out to dinner), Sean and Peter cover it all. They also dig into some crucial topics like long-term care, taxes, and how things like HSAs and Roth accounts can help keep your finances on track. Visit Sean Tole's website: http://www.daviswealthmgmt.com/ Phone number: (603) 715-2335 E-mail: sean@daviswealthmgmt.com

While most of us desire a long life, the financial challenges that come with it can be overwhelming. With lifespans extending and factors like market volatility, inflation, and increasing healthcare costs looming over our retirement savings, it's important to be prepared. Today, we’ll share key insights on how to effectively plan for a longer retirement. Visit Sean Tole's website: http://www.daviswealthmgmt.com/ Phone number: (603) 715-2335 E-mail: sean@daviswealthmgmt.com

Planning for retirement when you're middle aged can present its' own set of potential pitfalls. You're now in a position where you're much closer to retirement and can't afford to make too many mistakes. Sean will discuss some ways you may be able to maximize your savings and why you need to be more cautious in this stage. Visit Sean Tole's website: http://www.daviswealthmgmt.com/ Phone number: (603) 715-2335 E-mail: sean@daviswealthmgmt.com

Open enrollment for Medicare is right around the corner, so we invite Deb Cmar on this epiosde. Deb serves as the Director of Client Services and Licensed Insurance Specialist at Davis Wealth Management. She will be discussing some Medicare basics and important considerations you should keep in mind when choosing a plan. Visit Sean Tole's website: http://www.daviswealthmgmt.com/ Phone number: (603) 715-2335 E-mail: sean@daviswealthmgmt.com

When going into retirement, you want to be proactive as opposed to reactive. Sean will talk about different ways you can get ahead of potential retirement issues, so you can be proactive in your planning. Visit Sean Tole's website: http://www.daviswealthmgmt.com/ Phone number: (603) 715-2335 E-mail: sean@daviswealthmgmt.com

Financial literacy is important to have in order for you to make informed decisions when it comes to your money. Sean will be discussing some basic investment vehicles and the pros and cons to each of them. Visit Sean Tole's website: http://www.daviswealthmgmt.com/ Phone number: (603) 715-2335 E-mail: sean@daviswealthmgmt.com