Michael Schulte สาธารณะ
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Welcome to the Caffeine & Cash Flow Podcast with Financial Advisor Michael Schulte of WestPac Wealth Partners. Are taxes, market volatility, inflation and other risks draining YOUR energy and YOUR portfolio? If you need need help planning how to tackle these financial headwinds, then this is the show for you! New episodes bi-weekly. Visit our website for show notes, resources, more information and to contact Michael at CaffeineCashFlow.com. Or call 702-767-4897.
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show series
 
When it comes to investing, the term 'diversification' is often tossed around, but what does it truly mean to diversify your portfolio? Is it as easy as sticking to the S&P 500 index the to achieve wealth management success? In this episode, we’ll answers these questions and dive into the latest returns by asset class to help you better understand …
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Are you a business owner who's ever wondered about the best way to exit your venture when the time comes? You're not alone. Exit planning is a critical yet often overlooked aspect of entrepreneurship. Today we’ll try to help unravel the complexities of exit planning and discuss the different options most people consider when it comes time to sell t…
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Each generation is currently navigating a unique part of the retirement planning experience. With many Baby Boomers preparing for the transition into retirement and Generation X close behind, these two generations are asking a handful of financial planning questions. In today’s episode, we’ll share insights into the unique concerns that echo across…
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Have you ever considered how you’ll safeguard your financial legacy for the next generation? Today we want to dive into some of the technical aspects of estate planning and the crucial role it plays in retirement strategy. Estate planning can be as complex as it is important, but Michael will demystify the process, providing clarity on how to shiel…
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Imagine your retirement plan as a ship sailing toward a horizon of rest and relaxation. But what if one leak could sink it all? In today’s episode, we spotlight some of the single oversights that could send your dreams to the bottom. We'll share key strategies to plug the gaps, ensuring your financial ship stays buoyant and on course. Tune in to pr…
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Could the US elections be the market mover that investors have been fretting over, or is that just political noise clouding the bigger financial picture? It’s time to talk about the upcoming election and what it could mean for investors over the next two years. We're not just skimming the surface; we are diving into the data to see how investments …
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Who knows what this year will bring our way, but there’s plenty of noise everywhere you look. With the election ahead and everything else happening around the world, the noise can become a distraction for your financial planning. Today we’ll breakdown why a long-term strategy is your financial compass in a sea of sensational headlines and market sp…
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For those who are fortunate enough to generate significant wealth for their family, trying to preserve that wealth for multiple generations is often the much greater challenge. It takes much more than smart investing and asset management to create and sustain family wealth. The stats tell us that just 10 percent of generational wealth lasts beyond …
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The stats tell us that just 10 percent of generational wealth lasts beyond the third generation, and you can point to a variety of reasons for that to be the case. Most people that get to this point want their family to be taken care of for decades to come, but not everyone takes the necessary steps to achieve unity to within their family. Here are…
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Ever wish you could foresee financial missteps before they happen? On today’s episode explore some real-life stories of regret and arm yourself with the essential dos and don'ts to ensure your money works for you, not against you. A lot of the things we’re going to be talking could make you lose over the long run, but we want to share what we’ve le…
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When you’re in the middle of difficult periods of market volatility, it certainly seems like this time is different and things may never turn around. But is that true? In this episode, Michael is going to look through returns over the past century to see how the market rebounded after the worst years. While there’s never a guarantee that the future…
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Are you nearing “retirement age”? If so, let’s explore that pivotal question you’ll soon face: Should you retire or continue working? We’ll unravel the intricacies of this decision, addressing both financial and emotional aspects, and help you find out if you’re truly ready to retire. This is typically one of the first things someone asks about whe…
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Almost everyone has made investment mistakes at some point. Even the most successful investors have regrets about decisions they’ve made in the past. But like everything else in life, it’s all about how you respond to a misstep. In this episode, we’ll talk about how to bounce back from mistakes and avoid making them again in the future. Michael wil…
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Is there ever a right time to stop contributing to your 401k? Should you help your daughter and her boyfriend with their home purchase? What about deciding to retire at the peak of your earnings? Tune into this episode of Caffeine and Cash Flow where we tackle these questions and more. In this episode, we’ll discuss: The issues that can arise when …
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Whether you’re close to retirement or still far from that exciting date, it’s not uncommon to wonder when you should start preparing for each aspect of it. Tune in to find out how far away from retirement you should have answers to these pressing questions. In this episode, we’ll discuss: Why you should start thinking about the option to downsize a…
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Are you ready to take control of your finances during life's most pivotal moments? In this episode, we dive into the complex world of financial decision-making during key life events. From the excitement of marriage and the joy of welcoming a new child to the challenges of divorce and the loss of a loved one, we'll provide practical tips and guidan…
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It’s not just the financially uncertain who need to think carefully about their retirement plan. Even those who feel confident in their retirement savings might still have important questions to answer and decisions to make. In this episode, we'll explore the three retirement planning mindsets: those who have no idea if they can retire, those who t…
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Welcome to part two of our series about retirement planning mistakes. Last time, we talked about the pitfalls of ignoring tax implications, failing to diversify your investments, and procrastinating when starting your investments. On today’s show, we’ll share seven more mistakes people often make when planning their retirement. In this episode, we’…
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In the complex world of retirement planning, there are countless pitfalls one could face. In part one of this two-part series, we're sharing seven of the top mistakes to watch out for. Avoiding these crucial missteps can have a significant impact on the success of your retirement plan. Join us as we delve into these key issues and learn how to navi…
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After listening to today’s episode, you’ll never attend another baseball game with the family and look at it the same way. We’re going to show you how taking some of baseball’s most basic principles can help lead to financial success in your retirement portfolio. Join us as we talk about successfully executing the financial fundamentals. We’ll dive…
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People own a handful of gigantic companies and think their portfolio is bulletproof, but it's not, especially over a long period of time like we hope your retirement will be. Some clients gravitate towards bigger S&P 500 companies, assuming that they will remain stable for years to come. While these companies may appear to have a bright future, it …
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It’s a question we hear all the time: "What’s a good rate of return?" When clients invest money, they want to see it grow. But they also wonder what rates are “good” or “bad.” It's essential to keep in mind that there's no one-size-fits-all answer to this question because everyone’s financial goals are unique. However, if you’re just looking to max…
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Today we’re talking about bank runs and some of the banking failures we’ve seen over the course of our country’s history. With the recent Silicon Valley Bank collapse, bank failures have been a popular topic featured on the news recently, and many of us are wondering how this recent event will impact our lives. Will bank collapses have an impact on…
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In this episode, we’ll explain DCA and reverse dollar cost averaging, which many people might not know about. That is the process of systematically taking money out of your portfolio and using it to pay for living expenses. That distribution period is just as important as accumulation, but people don’t spend as much time planning for it. We’ll expl…
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We’re willing to bet there are some retirement expenses that you may have forgotten to plan for. But don’t worry, we’re here to help you see the things you might initially overlook. On this episode, we’ll share: Are you prepared for medical expenses? (4:05) Are you prepared for parental and child assistance? (7:59) Are you prepared to pay taxes? (1…
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Are you confident that your financial plan is complete? Many people believe they have a solid plan in place, only to realize later that they've missed important areas. From not accounting for long-term care expenses to overlooking the impact of taxes on retirement income, there are many ways a financial plan can be incomplete. In this episode, we'l…
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Are we in a recession or are we headed into one? Those are the questions on a lot of minds these days. On today’s show we’re going to make sure a recession doesn’t ruin your finances or retirement plans by taking you through the historical data. On this episode, we’ll share: · Are we in a recession? (1:24) · What can the data tell us about recessio…
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Do you understand the basics of income planning? It’s important that you know this topic well and understand how it fits into your overall retirement plan. Why is income planning so important for retirement? We’ll share the 10 states where $1 million in retirement savings will run out the fastest, which will show you how much it can vary for retire…
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Market volatility became the norm in 2022. Are we in for more of the same in 2023? On today’s show, we’ll talk about the market outlook for the next 12 months. We’ll also share tips on how you can best prepare for potential future volatility. No matter how you handle volatility, your financial advisor should be there to help guide you through the r…
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We work with a lot of business owners, and a common question we get is about creating an exit plan for when they want to retire or sell their business. This type of financial planning often gets overlooked, but it is so crucial to get right. There’s not a lot of planning in the financial services industry around selling your company. That’s unfortu…
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As we approach the end of the year, saving money on taxes becomes a bigger focus for many people. Today we’re focusing on some of the most common retirement planning questions about taxes. We’ll talk about mistakes to avoid and how a proper plan can make a significant difference in your tax savings. We’ll also explain why a tax deduction is not a d…
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Just like the lights on your dashboard can indicate if something is wrong with your car, like low tire pressure or leaking oil, there are indicators in your financial life that might point out that you have a problem that needs to be addressed. On today’s show, we’ll explain why your net worth, your view of retirement and your thoughts on nursing h…
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Bonds have been a pretty hot topic this year. And, oftentimes, people misunderstand how they work and what role they play in a proper financial plan. On today’s show, we’re addressing some of the misinformation and explaining why this has not been a good year for bonds. A lot of people consider bonds to be the safe and conservative part of their po…
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Today we're checking out some headline news. Are the negative news stories as bad as they seem? And how should you react when you read news that could impact your finances? We’ll give you insight into what is portrayed in the media and what is reality. It’s so hard to get unplugged in 2022. You always have media and news at your fingertips. But we …
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When the markets take a tumble, people often wonder, where is the bottom? We’ve gotten this question from clients quite a few times lately, so we wanted to address it on today’s show. Mathematically speaking, we can tell people pretty close where the bottom of the market is for their mix of assets. There are no surprises if you dial in the math. In…
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People have many reasons for procrastinating when it comes to putting a retirement plan together. Today we’ll explore some of those excuses and why they can be dangerous. We’ll also share how to overcome them. In this episode, we’ll share: Why you need to plan for retirement, even if your parents didn’t and they turned out “fine.” (3:01) What to do…
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You’ve most likely heard plenty of “rules” you’re supposed to follow to retire successfully. Some of these rules are stated so confidently, you’d be crazy not to immediately accept them as fact. But we don’t mind the threat of being called crazy, so let’s dive into some of the most popular retirement “rules of thumb” to see if they truly lead us do…
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Every industry has some dirty little secrets. Today we’re letting you in on some of the financial world’s secrets. How many of these are you familiar with? What we discuss in this episode: 2:09 – No one knows 7:35 – Not that important 11:52 – Skill and luck 16:56 – Bold opinions More Information: http://savingtheamericandreampodcast.com…
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Sometimes in life you hit a financial crossroads of crisis and opportunity. We’ll explain how to find the good when bad times are happening. What we discuss in this episode: 2:23 – Empty nest crisis 5:07 – Bear market crisis 11:32 – Layoffs More Information: http://savingtheamericandreampodcast.com
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It’s no secret the stock market is in turmoil. We’re in a bear market and the R-word (recession) is getting thrown around daily. So, what can you do to survive bear markets like the one we’re in now? We’ve collected advice from various commentators and “experts” from across the country. You might have even heard some of this advice yourself. But sh…
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How prepared are you for retirement? Do you know how much income you’ll need and what retirees fear the most? Today we’re testing your knowledge to see if you have what it takes to retire successfully. What we discuss in this episode: 2:36 – Start saving 8:08 – Best estimate 12:34 – Fear the most 15:37 – Diversified plan 21:30 – Withdrawing money 2…
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If you’re counting down the days until retirement, we have a checklist of things you need to keep in mind. We’ll help you get ready for the big day and make sure you are ready financially and otherwise. What we discuss in this episode: 1:50 – Getting healthy 4:00 – Free time 5:54 – Work 7:17 – Save more 9:26 – Debt 11:02 – Risk 14:24 – Emotion 17:2…
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Can I retire at 55? We get this question a lot, especially with the recent trend of people trying to retire earlier. Most people don’t know if they can retire early, but we can help. What we discuss in this episode: 1:02 – Can I retire at 55? 3:16 – How many want to retire early? 4:00 – Social Security 5:48 – Retirement accounts 7:31 – Health care …
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Is now a good time to buy Twitter stock? Should I send my child to an expensive private college? Do I have too much money in the bank? We’re answering these and other questions from our listeners today. What we discuss in this episode: 1:52 – Invest in Twitter? 8:02 – Private college 10:20 – Financial advisors and budgets 11:24 – Crying about money…
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Financial media often uses fear and pessimism when reporting. It drives ratings and sells. But watching too much of that could be harming your financial peace of mind. What we discuss in this episode: 2:11 – Facts about financial media 5:52 – Money anxiety and Mark Cuban 9:38 – Magazine covers 13:58 – Predicting collapse 18:03 – True bottom 21:20 –…
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Last episode we talked about market crashes and what they are. Today we’re sharing how you can prepare yourself for possible market crashes. What we discuss in this episode: 1:58 – How to prepare 4:41 – Emotions 6:59 – Handling market corrections 9:10 – Downturns happen 10:45 – Help from your advisor 11:50 – Crashes can create opportunities 13:47 –…
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People sometimes ask: Are we going to have another market crash soon? With Ukraine and Russia in the news, as well as inflation, people have been worried about possible World War III and their finances. We’ll share some historical background on market crashes. What we discuss in this episode: 2:34 – What is a market crash? 5:42 – Historical rate of…
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After listening to today’s episode, you’ll never attend another baseball game with the family and look at it the same way. We’re going to show you how taking some of baseball’s most basic principles can also lead to financial success in your retirement portfolio. So, grab your peanuts and crackerjacks and let’s take the financial field. What we dis…
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The ongoing conflict between Russia and Ukraine is making news all over the world. People are concerned about the humanitarian crisis, as well as the economy. On today’s show, we’ll talk about how wars have historically affected the market. What we discuss in this episode: 1:28 – Wars and the market 2:40 – World War II 4:03 – Korean War 4:50 – Mark…
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Today we’re answering your mailbag questions. Should a dentist sell his building and his business? How do you prepare for divorce financially? We’ll answer these and other questions on today’s show. What we discuss in this episode: 1:28 – The most epic way someone was fired or quit 3:43 – Dentist wants to retire 6:04 – Getting a divorce 7:17 – Whol…
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