Beste Financial Future podcasts (2024)

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Ep 40 Behavioral Investing & Market Timing 10:51

5d ago10:51

10:51

In this episode of Smart Wealth, hosts Brett Cranson and Omari Whyte delve into the concept of dollar cost averaging as a powerful investment strategy. They discuss how this method helps manage price risk by allowing investors to buy stocks or funds at regular intervals, regardless of price fluctuations. The conversation highlights the importance o…

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How Much Can You "Safely" Withdraw From Your Portfolio? 39:22

6d ago39:22

39:22

Most people, by the time they reach retirement age, have a certain amount of money saved up that they'll need to tap into from time to time. Problem: that money may need to last a lifetime, and because you don't know how long you'll live, you have no idea how much is "too much" to take out. You' re going to require a certain amount of money to meet…

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Year-End Planning Part 2: 2025 Tax Planning Strategies 19:01

25d ago19:01

19:01

As we approach the end of the year, it’s the perfect time to talk about some year-end planning strategies. In this two-part episode, Ben and Dan will cover what you need to know and think about before we head into the new year. Last episode, we focused on updates regarding Social Security, and today, we’ll shift our focus to year-end planning from …

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Ep 39 Effect of Interest Rates on Your Wealth 11:16

12d ago11:16

11:16

In this episode of Smart Wealth, Brett Cranson and Omari Whyte discuss the significant impact of interest rates on asset pricing and the financial realities faced by clients. They explore the challenges of mortgage renewals, the effects of interest rate changes on investments, and the importance of optimizing cash flow. The conversation emphasizes …

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Do Not Confuse Volatility With Risk! 37:22

13d ago37:22

37:22

When the stock market behaves erratically, it can create a lot of fear and anxiety among investors. Large swings to both the up and down side are what is known as volatility, and, like turbulence in an airplane, it can make people jittery and prone to making rash moves. Stocks are always volatile in the short run. But stock market investing should …

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Ep 38 Cash Flow Secrets for Long-Term Success! 15:37

18d ago15:37

15:37

In this episode of Smart Wealth, Brett Cranson and Omari Whyte discuss the critical importance of cash flow management in achieving financial stability and wealth building. They explore common cash flow issues faced by individuals, the significance of cash flow worksheets, and the behavioral changes necessary for effective cash management. Practica…

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Building Wealth vs. Keeping Wealth 37:23

20d ago37:23

37:23

It's a fact that many people are not aware of: your wealth accumulation strategy should be vastly different from your wealth distribution strategy. In fact, they require very nearly opposite skills. Building your nest egg requires you to use the market volatility to your advantage, using various means like dollar cost averaging and buying through t…

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Ep 37 How much should I be setting aside for savings? 14:23

26d ago14:23

14:23

In this episode of Smart Wealth, Brett Cranson and Omari Whyte discuss the critical importance of savings rates in financial planning. They emphasize the need for individuals to regularly review and adjust their savings rates, ideally aiming for a starting point of 4% to 10% of their income. The conversation highlights the significance of consisten…

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Which Assets Belong in Each Bucket? 35:48

27d ago35:48

35:48

The Bucket Strategy® is both simple and complex. It’s simple in the sense that there’s a short-term, midterm, and long-term bucket, and maybe a couple of others, depending on your needs. The complexity begins when you need to determine which assets should go into which buckets. There are many things to consider: time frame, taxability, income needs…

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Year-End Planning Part 1: 2025 Social Security Updates 12:57

1M ago12:57

12:57

As we approach the end of the year, it’s the perfect time to talk about some year-end planning strategies. In this two-part episode, Ben and Dan will cover what you need to know and think about before we head into the new year. Listen in as they discuss the new cost of living adjustments, earnings limits, and the Windfall Elimination Provision. Don…

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Ep 36 Should You Pay Off Your Mortgage Fast? 17:14

1M ago17:14

17:14

In this episode of Smart Wealth, Brett Cranson and Omari Whyte discuss the complexities of mortgage management, particularly focusing on whether to pay off a mortgage quickly or to invest that money elsewhere. They explore the concept of good debt versus bad debt, the impact of interest rates on mortgage decisions, and the importance of managing mu…

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Is It Really Better to Own More Stocks in Retirement? 35:27

1M ago35:27

35:27

If stocks are inherently risky, and if you're retired and you're risk-averse, doesn't it make sense to lessen your exposure to the stock market as you get older? That's the logic behind certain "rules of thumb" that say the older you are, the less money you should have in stocks. But that logic is faulty. It assumes that everyone's situation is the…

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Ep 35 Tackling Debt 21:59

1M ago21:59

21:59

In this episode of Smart Wealth, hosts Brett Cranson and Omari Weitz discuss the challenges of managing debt, particularly in the context of rising interest rates and financial stress. They explore strategies for overcoming debt, including the importance of budgeting, understanding different types of debt, and the methods of repayment. The conversa…

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Ep 34 How much money do you need to retire? 23:38

2M ago23:38

23:38

In this episode of Smart Wealth, Brett Cranson and Omari Whyte discuss the essential elements of retirement planning, focusing on how much money one needs to retire comfortably. They explore the changing landscape of retirement savings, the importance of understanding individual needs, and the impact of lifestyle choices on retirement income. The c…

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Ep 33 How Virtual Meetings Are Transforming Financial Advise 21:45

2M ago21:45

21:45

In this episode, Brett Cranson and Omari Whyte discuss the evolution of financial advising in a post-COVID world, focusing on the shift to virtual meetings and how it has transformed client interactions. They explore the benefits of virtual meetings, including increased efficiency, enhanced client engagement, and a streamlined onboarding process. T…

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What's the Best Age to Take Social Security Benefits? 33:32

2M ago33:32

33:32

Social Security retirement benefits are the bedrock of guaranteed income for most American retirees. It forms the income basis that helps to build the rest of your portfolio's withdrawal strategy. So it makes sense to ask the question: at what age should I begin taking my retirement benefits? Everyone eligible for benefits has a "full retirement ag…

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Ep 32 Pros & Cons of Investing in Real Estate 20:05

2M ago20:05

20:05

The conversation explores the pros and cons of investing in real estate versus other investment options. It discusses the potential benefits of real estate, such as long-term growth and cash flow, but also highlights the challenges and responsibilities of owning and managing investment properties. The conversation emphasizes the importance of consi…

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Six Financial Lessons Everyone Should Know 36:59

2M ago36:59

36:59

Very few things in life are universal, especially when it comes to finances. What’s right for one person may be completely wrong for another. Yet there are certain lessons with money that everyone could benefit from knowing, no matter what a person’s individual circumstances may be. After careful review, we’ve narrowed them down to six. What are th…

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Ep 31 Limitations of RESPs and Alternative Strategies 23:30

2M ago23:30

23:30

In this episode of Smart Wealth, Brett and Omari discuss saving for education, specifically for children. They start by highlighting the power of compound interest and early investing, using the example of investing in a hockey stick. They then dive into the details of Registered Education Savings Plans (RESPs) and how they work. They discuss the l…

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Should You Pay Cash For a Home, Or Get a Mortgage? 36:42

2M ago36:42

36:42

You may have noticed that real estate prices have been ticking up at a steady rate for the past several years. For many people, that means they have no choice but to take out a mortgage. At the same time, there are those who have either enough current gains or enough cash on hand to consider buying a home with cash. Having the cash to pay for a hom…

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What Does it Mean to Be CFP® Accredited with Dan Oaklief 14:35

2M ago14:35

14:35

We’re excited to announce that one of our team members, Dan Oaklief, has recently earned his Certified Financial Planner designation. This is such an awesome achievement and one that he’s worked diligently to accomplish, but what does this actually mean for advisors and clients? Today we’re sitting down with Dan to discuss this milestone, what it m…

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Ep 30 Financial Advisors: Myths, Misconceptions, and Real Benefits 17:50

3M ago17:50

17:50

In this episode of "Smart Wealth," hosts Brett Cranson and Omari Whyte dive into the often-misunderstood world of financial advisors. They discuss the common misconceptions about what financial advisors do and emphasize the importance of aligning financial strategies with personal goals. Using relatable analogies, they explain how advisors, like pe…

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Polly's Journey: "Taking Control of Her Finances and Future After Divorce" 22:56

3M ago22:56

22:56

Finding herself with a lump sum of money and feeling unsure about how to use it for her future, Polly talks about the stress and overwhelm she felt during this time. She shares how she overcame these challenges, saying, "Educating yourself and building a strong support team is the best way forward." Polly also highlights the importance of leaning o…

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Roth, Personal, or IRA Funds: Which Should You Spend First? 36:21

3M ago36:21

36:21

Once you hit retirement, you'll probably have money in several types of accounts: a 401(k) from work, some personal money in a brokerage account, your regular checking account at the bank, and maybe some Roth IRAs, to name a few. Once it's time to start withdrawing that money, the important question you should ask yourself is this: from which accou…

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Ep 29 Reasons to De-Risk Your Portfolio 24:39

3M ago24:39

24:39

Have you ever found yourself lying awake at night, worrying about the ups and downs of the stock market and how they might impact your hard-earned savings? Today’s episode, we dive into the vital topic of de-risking your investment portfolio. We break down what de-risking means, why it's crucial for both new and seasoned investors, and share practi…

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IRA vs. 401(k) - Which Is Better? 35:52

3M ago35:52

35:52

There are many ways to save for retirement. Two of the most popular are the 401(k) and the IRA. Both are savings vehicles, but both have different attributes that may make one of them better for you. There are advantages and disadvantages to both. Do you need a tax break now? Are you able to deduct contributions to an IRA? Does your company have a …

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What Percentage of Stocks Should You Own in Retirement? 35:51

3M ago35:51

35:51

You may have heard that stocks are too volatile for retired people to own. In fact, there’s an old rule-of-thumb formula that says you should decrease your stock holdings by 1 percent every year and replace them with bonds. These generic “guidelines,” though, are hardly prudent advice for most people, because everyone’s situation requires a differe…

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What’s Driving Market Volatility This Summer? With CIO Keith Lockwood 17:02

3M ago17:02

17:02

In this episode of Unlocking Your Financial Future, Ben is joined by Chief Investment Officer, Keith Lockwood. He’s here to help dive into some of the market volatility we have seen lately and what it could mean for your investments. Tune in as Ben and Keith look at how geopolitical factors can impact the market, how recent recession talk could be …

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Ep 28 Capital Gains Reserve 16:01

3M ago16:01

16:01

Have you ever wondered how the capital gains tax impacts your financial future and what strategies you can use to minimize its effect? In this episode, we dive into the complexities of the capital gains inclusion rate and explore various strategic opportunities to manage your tax liabilities. Understanding these concepts is crucial for optimizing y…

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It's Time For Your Mid-Year Money Checklist! 35:44

3M ago35:44

35:44

We're half way through 2024, and it's time to get your financial house in order! What moves, if any, should you have made at this point? What about going forward? There's still time to do some tax management, maybe take a look at your 401(k) plan, and decide how you may want to allocate your investments before the year is out. So what's left to do?…

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Why Time Is Your Most Valuable Asset in Investing 34:52

3M ago34:52

34:52

What’s your most valuable asset when it comes to investing? Is it maybe knowing the right stock to buy and when? How about a spreadsheet of things like P/E ratios, or being diversified across dozens of different classes? No – as it turns out, your most valuable asset with investing is time. The stock market, despite what you may have heard, is a lo…

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Ep 27 Rental Property vs. Portfolio Income 22:07

4M ago22:07

22:07

Are you contemplating whether to invest in rental properties or put your money into investment funds? This is a common dilemma for many investors, and understanding the pros and cons of each can help you make the best decision for your financial future. Brett and Omari delve into the age-old question of whether rental properties or investment funds…

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Why Your Bonds May Not Be Paying What You Think 34:39

4M ago34:39

34:39

When you buy a bond, you might expect that the amount of interest stated on the coupon is the amount of interest that you’ll be receiving. So if you have, say, a $10,000 bond paying 5 percent interest, you probably figure it will pay you $500 each year. But that isn’t always the case. This is where it’s important to understand not just the bond’s c…

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THIS Is Why We Love The Bucket Strategy® 34:15

4M ago34:15

34:15

It’s been said that the most important rule of finance is to not consistently mess things up. In other words, you need to survive the short-term chaos – and there’s lots of it – to reap the potential long-term rewards. If you can buy enough time to weather the constant storms, you may find yourself in a very good position down the road. The Bucket …

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Ep 26 How Will Canada’s Capital Gains Increase Affect You 9:59

4M ago9:59

9:59

Have you ever wondered how changes in tax laws could impact your financial future? In this episode, we dive deep into the recent changes to the capital gains inclusion rate introduced in Canada’s 2024 federal budget. This significant policy shift affects Canadian investors, particularly those with substantial capital gains. You'll learn about the n…

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Why Engineers May Make Great Financial Planners 35:23

4M ago35:23

35:23

Many times in life, we see how one career field translates extremely well into another. Engineering is a great example of this. A good engineer needs to know what a project’s goal is, put the pieces together in a way that works, and then stress test it to make sure it works in all conditions. Financial planning is a lot like this. What does each in…

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Roth IRA Strategies for High-Income Earners 35:52

4M ago35:52

35:52

If you're at all familiar with the Roth IRA, you probably know that there are income limits for people who want to make a contribution to a Roth. These limits generally go up a little bit each year, but anyone who makes over a certain amount of money is ineligible to make a Roth contribution. But that doesn't mean those with a high income have no a…

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Ep 25 The High Cost of Staying Liquid 25:30

5M ago25:30

25:30

Have you ever wondered if holding cash is the best strategy for your financial future, especially when it’s yielding an attractive 5%? In this episode, we unravel the complexities of this pressing question and dive deep into the world of personal finance. Join us as we explore whether it makes sense to stick with cash or diversify into stocks and b…

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IG Private Wealth Management-Don Fox-June 29, 2024 45:01

5M ago45:01

45:01

Questions for your advisor / A.I. and financial planning / Happy 'financial' Canada Day eh! / Longevity denialDoor CHML

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IG Private Wealth Management-Don Fox-June 22, 2024 45:48

5M ago45:48

45:48

Ditching DIY retirement planning / Why we do what we do / Wedding season / Summer financial funDoor CHML

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Ep 24 Want To Retire A Millionaire? 20:28

5M ago20:28

20:28

Have you ever wondered why the thrill of achieving a financial milestone often fades so quickly? Why does the excitement of hitting that savings goal or landing a big investment windfall seem to diminish over time, leaving you chasing the next big target? In today's episode, we'll dive into the fascinating concept of hedonic adaptation and explore …

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IG Private Wealth Management-Don Fox-June 15, 2024 46:13

5M ago46:13

46:13

Interest rates & housing / Capital gains taxes / Father's Day financial planning / What's old is new againDoor CHML

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The New Rules on Inherited IRAs - What to Know 33:13

5M ago33:13

33:13

Are you in line to inherit an IRA? While inheriting almost any asset is generally a good thing, it's helpful to know the rules - mainly tax rules - that come along with it, especially if you plan on keeping as much of that money as you can. Some new laws went into effect on inherited IRAs within the past few months, and when you combine those with …

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IG Private Wealth Management-Don Fox-June 8, 2024 47:47

5M ago47:47

47:47

Door CHML

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Ep 23 Can you Retire with $400K Nest Egg? 27:52

6M ago27:52

27:52

Are you wondering if it's possible to retire comfortably in Canada with a $400,000 nest egg? In today's episode, we dive into this pressing question. Join Brett and Omari as they leverage their decades of experience in the financial services industry to provide you with actionable insights and practical advice. Whether you're nearing retirement or …

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Is There Really a Charitable Giving Strategy With No Downside? 34:51

6M ago34:51

34:51

Many people who are at Required Minimum Distribution age find themselves wanting to give some of that distribution to charity. They don't need the money to live on, and they'd like to help out their favorite organizations or causes in any way they can. A standard way to do that is to take possession of the RMD, then turn around and write a check to…

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IG Private Wealth Management-Don Fox-June 1, 2024 47:41

6M ago47:41

47:41

Guest - Jill Archer Regional Estate & Insurance Specialist I.G / Discussing Capital Gains Tax grab affects everyoneDoor CHML

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Updates From The Annual Social Security Trustees Report (Part 2) 16:14

6M ago16:14

16:14

In today’s episode, we’re continuing our conversation on the annual Social Security Trustees Report. In this half of the conversation, we’ll cover some interesting statistics from the report, including the impact of declining birth rates and immigration on Social Security's future. We'll also explore how life expectancy trends and recent events lik…

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How Much Money Do You Need to Retire Comfortably? 33:55

6M ago33:55

33:55

How much money does it take for you to retire in comfort? Is it $1 million? $2 million? Far more than that? Far less? Large investment firms and many media outlets often throw out big "retirement" numbers based on small surveys they took of people who may or may not have any clue about how much money they actually need. But it's a fair question. An…

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IG Private Wealth Management Don Fox-May 25, 2024 45:17

6M ago45:17

45:17

Divorce planning / The spender and the saver / Buying a car? / MailboxDoor CHML

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