Peak Financial Planning

Sequence risk (also known as sequence of returns risk) is a major retirement risk to prepare for. We released a video a few weeks back that had a free sequence of returns calculator buried DEEP in the video. Here we are releasing the free sequence risk calculator once more - but without all the rambling build up. This video will demonstrate how the calculator works, explain what sequence of returns risk is, explain why you should pay attention to it, and share the calculator with you directly - for FREE. You can download the free calculator here: https://docs.google.com/spreadsheets/d/1c1kip74d7iAHstZolOlCV7Blaq0rhsHJMp-36C1y7kY/edit?usp=sharing You can watch the longer original video here: https://youtu.be/dVMSozPCPKY If you liked this video, make sure to click thumbs up! Eric Amzalag, CFP®, RICP® Get started today → https://www.thepeakfp.com Subscribe to be notified of future videos: /@ThePeakFP Subscribe to our newsletter: https://app.thepeakfp.com/NLS _ _ 👥 Make sure to connect with us on all socials below → https://beacons.ai/thepeakfp Want to schedule a consultation? Click here: https://www.thepeakfp.com/rrz-lp Disclaimer: Please consult with your own tax, legal and financial advisors for personalized advice. #retirement #retirement #retirementplan #retirementincomeplanning #retirementincome #fiduciary #financialadvisor #financialadvice #feeonly #feeonlyadvisor #feeonlyfiduciary #financialplanner #certifiedfinancialplanner #retirementinvesting

With the stock market down near 10% since June, those that are near or in retirement NEED to understand how negative sequence of returns truly effect their retirement income and retirement stability. I encourage you to watch this guide explaining the nonlinear relationship between portfolio losses and the exponential required recovery to get back to breakeven. More important than the staggering relationship between losses and required gains to breakeven is the amount of TIME it takes to get back to breakeven. The idea of "passive investing" or letting "time smooth out losses" is complete hokey. When you understand the actual mathematical relationship, it will really make you wonder who those BS lines of propaganda really serve... Definitely not you (consumers) or I (independent financial advisors... I hope you find "How investment propaganda is creating a retirement crisis" informative! Link to downloadable spreadsheet: https://docs.google.com/spreadsheets/d/1c1kip74d7iAHstZolOlCV7Blaq0rhsHJMp-36C1y7kY/edit?usp=sharing If you liked this video, make sure to click thumbs up! Eric Amzalag, CFP®, RICP® Get started today → https://www.thepeakfp.com Subscribe to be notified of future videos: /@ThePeakFP Subscribe to our newsletter: https://app.thepeakfp.com/NLS _ _ 👥 Make sure to connect with us on all socials below → https://beacons.ai/thepeakfp Want to schedule a consultation? Click here: https://www.thepeakfp.com/rrz-lp 00:00 Introduction 01:02 How to quantify investment risk in a retirement portfolio 01:31 In what areas of our lives would we just "shut up and take it"? 02:03 What do the numbers say about unrealized losses in investment portfolios? 02:37 A Downloadable FREE Excel Model for Investment Losses 03:46 Investment Losses are Linear, Gains to Recover are Exponential 04:39 How long (in years) does it take to recover losses? 06:27 Some Examples - a 30% Market Decline 08:12 How does Sequence of Returns effect this model? 09:48 Financial Propaganda is Creating a Retirement Crisis 10:15 Teaser for my next video - debunking the 3 fund portfolio 11:49 If you'd like to work with us Disclaimer: Please consult with your own tax, legal and financial advisors for personalized advice. #retirement #retirement #retirementplan #retirementincomeplanning #retirementincome #fiduciary #financialadvisor #financialadvice #feeonly #feeonlyadvisor #feeonlyfiduciary #financialplanner #certifiedfinancialplanner

Investors are understandably frustrated when they lose money or watch their portfolio values go down. As investors, we may feel helpless to influence the performance or volatility of our portfolio. We are told to focus on things like asset allocation, or to just "think long term" because markets always go up over time. It is my belief that these are excuses made by the media or sub par investment advisors who do a poor job of educating investors how to ACTUALLY think about investment risk and investment reward in a retirement portfolio. In this video I explain a 2 part framework through which to understand investment risk and how to use that framework to understand how your investment portfolio MAY perform.Enjoy "Investment Risk for Dummies". If you liked this video, make sure to click thumbs up! Eric Amzalag, CFP®, RICP® Get started today → https://www.thepeakfp.com Subscribe to be notified of future videos: /@ThePeakFP Subscribe to our newsletter: https://app.thepeakfp.com/NLS _ _ 👥 Make sure to connect with us on all socials below → https://beacons.ai/thepeakfp Want to schedule a consultation? Click here: https://www.thepeakfp.com/wwu-lp 00:00 Introduction 01:16 How do investments make money in the simplest terms possible 02:08 Income vs Capital Gains 03:42 Interest Bearing Investments: Principal Floor 04:21 Interest Bearing Investments: Guaranteed Return of Capital 04:31 Interest Bearing Investments: Compound Interest 05:12 Interest Bearing Investments: No Control Over Rate of Return 05:34 Types of Interest Bearing Investments 07:17 Capital Gains: Buy Low Sell High 07:53 Capital Gains Tax Treatment 08:14 Capital Gains: Significant Price Fluctuation 10:25 Capital Gains: Does NOT COMPOUND 11:38 How misleading consumers about compound interest benefits big finance at your expense Disclaimer: Please consult with your own tax, legal and financial advisors for personalized advice. #retirement #retirement #retirementplan #retirementincomeplanning #retirementincome #fiduciary #financialadvisor #financialadvice #feeonly #feeonlyadvisor #feeonlyfiduciary #financialplanner #certifiedfinancialplanner

Financial advisors, regulators, and retail investors alike use Asset Allocations as a barometer of the risk level in a retiree's investment portfolio. In this video I will make the case that it is a misleading measure that may cause catastrophic damage to a retiree's investment portfolio. The crux of the issue is that some bonds are volatile like stocks, and some stocks are low risk like certain bonds. Therefore using a broad categorization that simply tells one to have X% in Bonds and X% in stocks is actually inaccurate and missing nuance. I propose that we use a spectrum that gauges an investments INTEREST RATE SENSITIVITY as a better measure of the risk (volatility) of that investment. This will allow wealth managers and retail investors alike to navigate their portfolio contruction in a much more accurate and nuanced manner. Please enjoy this weeks video, "Asset Allocations are a Scam". If you liked this video, make sure to click thumbs up! Eric Amzalag, CFP®, RICP® Get started today → https://www.thepeakfp.com Subscribe to be notified of future videos: /@ThePeakFP Subscribe to our newsletter: https://app.thepeakfp.com/NLS _ _ 👥 Make sure to connect with us on all socials below → https://beacons.ai/thepeakfp Want to schedule a consultation? Click here: https://www.thepeakfp.com/wwu-lp Disclaimer: Please consult with your own tax, legal and financial advisors for personalized advice. #retirement #retirement #retirementplan #retirementincomeplanning #retirementincome #fiduciary #financialadvisor #financialadvice #feeonly #feeonlyadvisor #feeonlyfiduciary #financialplanner #certifiedfinancialplanner

For the last 50 years the financial services industry has been doing all that it can to destroy its’ credibility. The lack of transparency around financial advisor compensation structure leads consumers to distrust (correctly) financial advisors and ultimately avoid getting the financial advice they need. So let’s kill two birds with one stone in this guide. 1) Let me help you understand financial advisor compensation structures and what questions to ask to make sure you understand EXACTLY how the financial professional in front of you is being paid. 2) Let me help you clear through the clutter so you can find a fee only financial advisor that you can trust, so that you can get the advice you desire. Enjoy "Are Financial Advisors Worth It?". If you liked this video, make sure to click thumbs up! Eric Amzalag, CFP®, RICP® Get started today → https://www.thepeakfp.com Subscribe to be notified of future videos: / @ThePeakFP Subscribe to our newsletter: https://app.thepeakfp.com/NLS _ _ 👥 Make sure to connect with us on all socials below → https://beacons.ai/thepeakfp Want to schedule a consultation? Click here: https://www.thepeakfp.com/wwu-lp Disclaimer: Please consult with your own tax, legal and financial advisors for personalized advice. #retirement #retirement #retirementplan #retirementincomeplanning #retirementincome #fiduciary #financialadvisor #financialadvice #feeonly #feeonlyadvisor #feeonlyfiduciary #financialplanner #certifiedfinancialplanner

In response to a question I received about just how valuable the cost of living adjustment built into social security is, I thought it would be helpful to show the numbers. Most of us just take social security for granted. But it is a wildly important linchpin of the average retiree's income in retirement. This video is not sharing an opinion on how the social security trust fund is run or whether it is future proofed. It's simply an exercise showing how incredibly valuable social security is because of three key factors. 1 - It is a guaranteed source of income. 2 - You face no investment risk on the income source. and 3 - You have no investment selection responsibility. Watch the video to find out exactly how much you'd need to have saved in order to replace social security, what rate of return you'd need to achieve to replace social security, and more. How Important is Social Security to Most Retiree's? If you liked this video, make sure to click thumbs up! Eric Amzalag, CFP®, RICP® Get started today → https://www.thepeakfp.com Subscribe to be notified of future videos: /@ThePeakFP Subscribe to our newsletter: https://app.thepeakfp.com/NLS _ _ 👥 Make sure to connect with us on all socials below → https://beacons.ai/thepeakfp Want to schedule a consultation? Click here: https://www.thepeakfp.com/wwu-lp Disclaimer: Please consult with your own tax, legal and financial advisors for personalized advice. #retirement #retirement #retirementplan #retirementincomeplanning #retirementincome #fiduciary #financialadvisor #financialadvice #feeonly #feeonlyadvisor #feeonlyfiduciary #financialplanner #certifiedfinancialplanner

457b Retirement Plans for Dummies A 457 b is a tax advantaged retirement savings plan. In some ways its pretty similar to the more common 401k plan or even TSP or 403b plans If you liked this video, make sure to click thumbs up! Eric Amzalag, CFP®, RICP® Get started today → https://www.thepeakfp.com Subscribe to our newsletter: https://app.thepeakfp.com/NLS _ _ 👥 Make sure to connect with us on all socials below → https://beacons.ai/thepeakfp Want to schedule a consultation? Click here: https://www.thepeakfp.com/wwu-lp 00:00 Intro 00:34 What is a 457b 01:00 How 457b Accounts Help You Save 03:08 Contribution Limits 05:48 Withdrawal Features 06:35 Are there ROTH 457b 06:55 Are you required to take RMDs from a 457? 07:11 How are distributions taxed? 07:59 Can you rollover a 457 _ _ Disclaimer: Please consult with your own tax, legal and financial advisors for personalized advice. #retirement #retirement #retirementplan #retirementincomeplanning #retirementincome #fiduciary #financialadvisor #financialadvice #feeonly #feeonlyadvisor #feeonlyfiduciary #financialplanner #certifiedfinancialplanner

Finances can be filled with anxiety. Much of that anxiety comes from the fact that everything feels urgent and everything feels important. Intuitively we KNOW that not everything is urgent or important at the same time - so we have an issue of prioritization. This neat trick called the "Eisenhower Squares" is a method I use to help clients focus and prioritize what is urgent and important RIGHT NOW. This tool will also help you figure out how to bucket the possible financial decisions you could make into categories that should be delayed, delegated, or avoided until further notice so that you can put your financial anxiety to rest. Enjoy "How to Make Better Financial Decisions in Under 5 Minutes". If you liked this video, make sure to click thumbs up! Eric Amzalag, CFP®, RICP® Get started today → https://www.thepeakfp.com Subscribe to be notified of future videos: / @ThePeakFP Subscribe to our newsletter: https://app.thepeakfp.com/NLS _ _ 👥 Make sure to connect with us on all socials below → https://beacons.ai/thepeakfp Want to schedule a consultation? Click here: https://www.thepeakfp.com/wwu-lp Disclaimer: Please consult with your own tax, legal and financial advisors for personalized advice. #retirement #retirement #retirementplan #retirementincomeplanning #retirementincome #fiduciary #financialadvisor #financialadvice #feeonly #feeonlyadvisor #feeonlyfiduciary #financialplanner #certifiedfinancialplanner

9 Retirement Planning Mistakes and How to Avoid Them The Retirement Risk Zone is a transitional period where you will shift from a lifetime of accumulating, to beginning to plan how you will draw down and/or preserve the assets you have accumulated. The Retirement Risk Zone is characterized by decisions about how to claim social security, what distribution strategy you should use, whether or how to adjust investment allocations, how to plan for legacy, etc. Incorrect decisions during this period of time can be catastrophic. If you liked this video, make sure to click thumbs up! Eric Amzalag, CFP®, RICP® Get started today → https://www.thepeakfp.com Subscribe to be notified of future videos: / @ThePeakFP Subscribe to our newsletter: https://app.thepeakfp.com/NLS _ _ 👥 Make sure to connect with us on all socials below → https://beacons.ai/thepeakfp Want to schedule a consultation? Click here: https://www.thepeakfp.com/wwu-lp Disclaimer: Please consult with your own tax, legal and financial advisors for personalized advice. 00:00 Introduction 01:11 Retirement Mistake #1: Not tracking expenses 02:42 The Retirement Income Formula 03:19 Retirement Mistake #2: Not Having a Tax Plan 04:57 Retirement Mistake #3: Claiming Social Security "Just Because You Can" 06:41 Retirement Mistake #4: Not consolidating old employer retirement accounts or IRAs 07:55 Retirement Mistake #5: Not starting a financial plan early enough 09:00 Retirement Mistake #6: Having undocumented financial wishes 10:19 Retirement Mistake #7: Not tracking the right financial health metrics 11:34 Retirement Mistake #8: Obtaining financial advice off the internet 13:05 Retirement Mistake #9: Not working with a fee only fiduciary financial planning firm 13:33 How we can help #retirement #retirement #retirementplan #retirementincomeplanning #retirementincome #fiduciary #financialadvisor #financialadvice #feeonly #feeonlyadvisor #feeonlyfiduciary #financialplanner #certifiedfinancialplanner

In Retirement, Comparison is the Enemy of Contentment If you liked this video, make sure to click thumbs up! Eric Amzalag, CFP®, RICP® Get started today → https://www.thepeakfp.com Subscribe to be notified of future videos: / @peakfinancialplanning _ _ For more resources and content, check us out below! FREE WEBINAR: "Navigating the Retirement Risk Zone": https://app.thepeakfp.com/ret-vsl Want to schedule a consultation? Click here: https://app.thepeakfp.com/E-Work-With-Us Website // https://www.thepeakfp.com Instagram // http://www.instagram.com/ericthepeakfp Facebook // https://www.facebook.com/thepeakfp LinkedIn // https://www.linkedin.com/in/thepeakfp/ Disclaimer: Please consult with your own tax, legal and financial advisors for personalized advice. #retirement #retirement #retirementplan #retirementincomeplanning #retirementincome #fiduciary #financialadvisor #financialadvice #feeonly #feeonlyadvisor #feeonlyfiduciary #financialplanner #certifiedfinancialplanner

Working with a Financial Advisor can be one of the best decisions you will ever make for your finances. In fact, a Vanguard study found that consumers that do NOT work with a Financial Advisor end up with 50% less wealth over a 30 year period. Needless to say, not all Financial Advisors are created equal. If you don’t know how to qualify one, you could end up hiring someone who does not hold your best interests at heart and end up worse off than where you started. Here are 9 Questions To Help You Find a Financial Advisor You Can Trust. If you liked this video, make sure to click thumbs up! Eric Amzalag, CFP®, RICP® Get started today → https://www.thepeakfp.com Subscribe to be notified of future videos: / @peakfinancialplanning _ _ 👥 Make sure to connect with us on all socials below → https://beacons.ai/thepeakfp Want to schedule a consultation? Click here: https://www.thepeakfp.com/wwu-lp Disclaimer: Please consult with your own tax, legal and financial advisors for personalized advice. 00:00 Introduction 01:23 What kind of financial advisor are you specifically? 02:27 Are you fee based or fee only? 04:32 Are you a Fiduciary all the time? 06:27 Do you make any form of outside compensation? 07:38 What are your credentials? 08:56 Are you licensed to sell insurance? 10:03 Do you work for a big brokerage company or are you independent? 11:18 Do you start with investing or financial planning? 12:35 What you can do about it #retirement #retirement #retirementplan #retirementincomeplanning #retirementincome #fiduciary #financialadvisor #financialadvice #feeonly #feeonlyadvisor #feeonlyfiduciary #financialplanner #certifiedfinancialplanner #financialadvisor #financialadvice

Many thanks to you all for giving me the privilege to provide real grass roots financial advice and education. It's a great privilege and a true blessing to be able to do something that I love and feel can make a difference in peoples lives. In this video I document my journey to becoming an independent financial planner and how (and why) I started Peak Financial Planning. As always, thank you for your trust, time, and attention :). If you liked this video, make sure to click thumbs up! Eric Amzalag, CFP®, RICP® Get started today → https://www.thepeakfp.com Subscribe to be notified of future videos: / @peakfinancialplanning _ _ 👥 Make sure to connect with us on all socials below → https://beacons.ai/thepeakfp Want to schedule a consultation? Click here: https://www.thepeakfp.com/wwu-lp Disclaimer: Please consult with your own tax, legal and financial advisors for personalized advice. #retirement #retirement #retirementplan #retirementincomeplanning #retirementincome #fiduciary #financialadvisor #financialadvice #feeonly #feeonlyadvisor #feeonlyfiduciary #financialplanner #certifiedfinancialplanner

How Do You Measure Financial Plan Performance? If you liked this video, make sure to click thumbs up! Eric Amzalag, CFP®, RICP® Get started today → https://www.thepeakfp.com Subscribe to be notified of future videos: / @peakfinancialplanning _ _ For more resources and content, check us out below! FREE WEBINAR: "Navigating the Retirement Risk Zone": https://app.thepeakfp.com/ret-vsl Want to schedule a consultation? Click here: https://app.thepeakfp.com/E-Work-With-Us Website // https://www.thepeakfp.com Instagram // http://www.instagram.com/ericthepeakfp Facebook // https://www.facebook.com/thepeakfp LinkedIn // https://www.linkedin.com/in/thepeakfp/ Disclaimer: Please consult with your own tax, legal and financial advisors for personalized advice. 0:00 Intro 1:18 Welcome to the channel 1:56 Financial Plan Success is About Tracking the right things 2:18 Track your spending/savings 2:57 Track Your Required Portfolio Income 3:45 Track your Tax Rates on Retirement Distributions 4:24 Track Your Plan Required Rate of Return 5:19 Track Your Portfolio Rate of Return 6:10 Running through specific examples of each metric 11:18 Why we need to track more than one thing! 12:26 Conclusion #retirement #retirement #retirementplan #retirementincomeplanning #retirementincome #fiduciary #financialadvisor #financialadvice #feeonly #feeonlyadvisor #feeonlyfiduciary #financialplanner #certifiedfinancialplanner

Financial Planning Helps You Reclaim Your Time! If you liked this video, make sure to click thumbs up! Eric Amzalag, CFP®, RICP® Get started today → https://www.thepeakfp.com Subscribe to be notified of future videos: / @peakfinancialplanning _ _ For more resources and content, check us out below! FREE WEBINAR: "Navigating the Retirement Risk Zone": https://app.thepeakfp.com/ret-vsl Want to schedule a consultation? Click here: https://app.thepeakfp.com/E-Work-With-Us Website // https://www.thepeakfp.com Instagram // http://www.instagram.com/ericthepeakfp Facebook // https://www.facebook.com/thepeakfp LinkedIn // https://www.linkedin.com/in/thepeakfp/ Disclaimer: Please consult with your own tax, legal and financial advisors for personalized advice. #retirement #retirement #retirementplan #retirementincomeplanning #retirementincome #fiduciary #financialadvisor #financialadvice #feeonly #feeonlyadvisor #feeonlyfiduciary #financialplanner #certifiedfinancialplanner

Link to Full Video: https://youtu.be/6A4WjvrEUms Is Whole Life Insurance Ever a Good Idea? If you liked this video, make sure to click thumbs up! Eric Amzalag, CFP®, RICP® Get started today → https://www.thepeakfp.com Subscribe to be notified of future videos: / @peakfinancialplanning _ _ For more resources and content, check us out below! FREE WEBINAR: "Navigating the Retirement Risk Zone": https://app.thepeakfp.com/ret-vsl Want to schedule a consultation? Click here: https://app.thepeakfp.com/E-Work-With-Us Website // https://www.thepeakfp.com Instagram // http://www.instagram.com/ericthepeakfp Facebook // https://www.facebook.com/thepeakfp LinkedIn // https://www.linkedin.com/in/thepeakfp/ Disclaimer: Please consult with your own tax, legal and financial advisors for personalized advice. #retirement #retirement #retirementplan #retirementincomeplanning #retirementincome #fiduciary #financialadvisor #financialadvice #feeonly #feeonlyadvisor #feeonlyfiduciary #financialplanner #certifiedfinancialplanner

Is Whole Life Insurance Worth It? Whole life insurance is often pitched as an investment alternative to traditional investment options such as brokerage or retirement accounts. So how does it stack up against them? The TLDR is: whole life insurance is more expensive than term life insurance for a smaller death benefit. AND on top of that, the investment portion of the policy (the cash value) performs WORSE than a high yield savings account. Watch me break down an actual policy that was pitched to a prospect of mine. If you liked this video, make sure to click thumbs up! Eric Amzalag, CFP®, RICP® Get started today → https://www.thepeakfp.com Subscribe to be notified of future videos: / @peakfinancialplanning _ _ For more resources and content, check us out below! FREE WEBINAR: "Navigating the Retirement Risk Zone": https://app.thepeakfp.com/ret-vsl Want to schedule a consultation? Click here: https://app.thepeakfp.com/E-Work-With-Us Website // https://www.thepeakfp.com Instagram // http://www.instagram.com/ericthepeakfp Facebook // https://www.facebook.com/thepeakfp LinkedIn // https://www.linkedin.com/in/thepeakfp/ 0:00 Intro 1:07 Breaking Life Insurance into Two categories 1:18 How Does Whole Life Insurance Stack Up Against Other Life Insurances? 1:45 How Does Whole Life Insurance Compare to Other Types of Investments? 2:07 Explaining Permanent Life Insurance vs. Temporary Life Insurance 4:55 How Does the Investment Portion of Whole Life Insurance Work? 6:31 Reviewing an Actual Whole Life Insurance Policy Proposed to a Prospect of Mine 9:12 Results of My Analysis 9:30 Whole Life Insurance Is NOT A Good Investment (in most cases) 10:19 Why you Should Have a Fee Only Fiduciary Financial Advisor Evaluate Any Whole Life Policy Pitched as an Investment 11:10 There are cases where whole life insurance is useful... 11:55 Thanks for watching! Please like and subscribe! Disclaimer: Please consult with your own tax, legal and financial advisors for personalized advice. #retirement #retirement #retirementplan #retirementincomeplanning #retirementincome #fiduciary #financialadvisor #financialadvice #feeonly #feeonlyadvisor #feeonlyfiduciary #financialplanner #certifiedfinancialplanner #wholelifeinsurance

How Much Do Interest Rates TRULY Effect the Cost of a Home? In this video we show on screen EXACTLY how much interest rates cause your monthly payment to go up. We also show how much more in total interest you pay over the lifetime of the loan! If you liked this video, make sure to click thumbs up! Eric Amzalag, CFP®, RICP® Get started today → https://www.thepeakfp.com Subscribe to be notified of future videos: / @peakfinancialplanning _ _ For more resources and content, check us out below! FREE WEBINAR: "Navigating the Retirement Risk Zone": https://app.thepeakfp.com/ret-vsl Want to schedule a consultation? Click here: https://app.thepeakfp.com/E-Work-With-Us Website // https://www.thepeakfp.com Instagram // http://www.instagram.com/ericthepeakfp Facebook // https://www.facebook.com/thepeakfp LinkedIn // https://www.linkedin.com/in/thepeakfp/ Disclaimer: Please consult with your own tax, legal and financial advisors for personalized advice. #retirement #retirement #retirementplan #retirementincomeplanning #retirementincome #fiduciary #financialadvisor #financialadvice #feeonly #feeonlyadvisor #feeonlyfiduciary #financialplanner #certifiedfinancialplanner

My Favorite Retirement Distribution Strategy - The Bucket System If you liked this video, make sure to click thumbs up! Eric Amzalag, CFP®, RICP® Get started today → https://www.thepeakfp.com Subscribe to be notified of future videos: / @peakfinancialplanning _ _ For more resources and content, check us out below! FREE WEBINAR: "Navigating the Retirement Risk Zone": https://app.thepeakfp.com/ret-vsl Want to schedule a consultation? Click here: https://app.thepeakfp.com/E-Work-With-Us Website // https://www.thepeakfp.com Instagram // http://www.instagram.com/ericthepeakfp Facebook // https://www.facebook.com/thepeakfp LinkedIn // https://www.linkedin.com/in/thepeakfp/ Disclaimer: Please consult with your own tax, legal and financial advisors for personalized advice.

Why You Shouldn't Save In Retirement Accounts! #retirement #retirementplan #retirementplanning #retirementriskzone #shorts #financialplanning #financialadvisor If you liked this video, make sure to click thumbs up! Eric Amzalag, CFP®, RICP® Get started today → https://www.thepeakfp.com Subscribe to be notified of future videos: / @peakfinancialplanning _ _ For more resources and content, check us out below! FREE WEBINAR: "Navigating the Retirement Risk Zone": https://app.thepeakfp.com/ret-vsl Want to schedule a consultation? Click here: https://app.thepeakfp.com/E-Work-With-Us Website // https://www.thepeakfp.com Instagram // http://www.instagram.com/ericthepeakfp Facebook // https://www.facebook.com/thepeakfp LinkedIn // https://www.linkedin.com/in/thepeakfp/ Disclaimer: Please consult with your own tax, legal and financial advisors for personalized advice.

Are You Investing Enough for Retirement in 2023? We break investing down into its two component parts - 1) Saving, 2) Investing. Saving creates more investable dollars. We supply you with a flowchart to optimize saving. Investing compounds your saved dollars over time. We supply you with a flowchart to optimize your invested dollars and help you understand how to create income out of them. If you liked this video, make sure to click thumbs up! Eric Amzalag, CFP®, RICP® Get started today → https://www.thepeakfp.com Subscribe to be notified of future videos: / @peakfinancialplanning _ _ For more resources and content, check us out below! FREE WEBINAR: "Navigating the Retirement Risk Zone": https://app.thepeakfp.com/ret-vsl Want to schedule a consultation? Click here: https://app.thepeakfp.com/E-Work-With-Us Website // https://www.thepeakfp.com Instagram // http://www.instagram.com/ericthepeakfp Facebook // https://www.facebook.com/thepeakfp LinkedIn // https://www.linkedin.com/in/thepeakfp/ Disclaimer: Please consult with your own tax, legal and financial advisors for personalized advice.

What's More Important Than Investing #retirement #retirementplan #retirementplanning #retirement #retirementplan #retirementplanning #retirementriskzone #shorts #financialplanning #financialadvisor If you liked this video, make sure to click thumbs up! Eric Amzalag, CFP®, RICP® Get started today → https://www.thepeakfp.com Subscribe to be notified of future videos: /@peakfinancialplanning _ _ For more resources and content, check us out below! FREE WEBINAR: "Navigating the Retirement Risk Zone": https://app.thepeakfp.com/ret-vsl Want to schedule a consultation? Click here: https://app.thepeakfp.com/E-Work-With-Us Website // https://www.thepeakfp.com Instagram // http://www.instagram.com/ericthepeakfp Facebook // https://www.facebook.com/thepeakfp LinkedIn // https://www.linkedin.com/in/thepeakfp/ Disclaimer: Please consult with your own tax, legal and financial advisors for personalized advice.

ROTH Retirement Accounts = POWER #retirementsavings #business #retirement #retirementplan #retirementplanning #retirementriskzone #shorts #financialplanning #financialadvisor If you liked this video, make sure to click thumbs up! Eric Amzalag, CFP®, RICP® Get started today → https://www.thepeakfp.com Subscribe to be notified of future videos: /@peakfinancialplanning _ _ For more resources and content, check us out below! FREE WEBINAR: "Navigating the Retirement Risk Zone": https://app.thepeakfp.com/ret-vsl Want to schedule a consultation? Click here: https://app.thepeakfp.com/E-Work-With-Us Website // https://www.thepeakfp.com Instagram // http://www.instagram.com/ericthepeakfp Facebook // https://www.facebook.com/thepeakfp LinkedIn // https://www.linkedin.com/in/thepeakfp/ Disclaimer: Please consult with your own tax, legal and financial advisors for personalized advice.

This is a quick 60 second primer on the different types of investment accounts and when they are useful. Retirement Accounts in Under 60 Seconds #retirement #retirementplan #retirementplanning #retirementriskzone #shorts #financialplanning #financialadvisor If you liked this video, make sure to click thumbs up! Eric Amzalag, CFP®, RICP® Get started today → https://www.thepeakfp.com Subscribe to be notified of future videos: /@peakfinancialplanning _ _ For more resources and content, check us out below! FREE WEBINAR: "Navigating the Retirement Risk Zone": https://app.thepeakfp.com/ret-vsl Want to schedule a consultation? Click here: https://app.thepeakfp.com/E-Work-With-Us Website // https://www.thepeakfp.com Instagram // http://www.instagram.com/ericthepeakfp Facebook // https://www.facebook.com/thepeakfp LinkedIn // https://www.linkedin.com/in/thepeakfp/ Disclaimer: Please consult with your own tax, legal and financial advisors for personalized advice.

How Much Money Do You Need to Retire in 2023? A simple retirement formula that you can use to find the minimum amount of portfolio assets you would require is: Required Portfolio Income multiplied by estimated length of life. Find required portfolio income by subtracting your guaranteed income from your estimated spending in retirement. If you liked this video, make sure to click thumbs up! Eric Amzalag, CFP®, RICP® Get started today → https://www.thepeakfp.com Subscribe to be notified of future videos: / @peakfinancialplanning _ _ For more resources and content, check us out below! FREE WEBINAR: "Navigating the Retirement Risk Zone": https://app.thepeakfp.com/ret-vsl Want to schedule a consultation? Click here: https://app.thepeakfp.com/E-Work-With-Us Website // https://www.thepeakfp.com Instagram // http://www.instagram.com/ericthepeakfp Facebook // https://www.facebook.com/thepeakfp LinkedIn // https://www.linkedin.com/in/thepeakfp/ Disclaimer: Please consult with your own tax, legal and financial advisors for personalized advice.

Full video: https://youtu.be/ZjIQZaHekJQ You have more than 1 financial goal. Retirement is not the ONLY thing you need to save for. Set yourself up for success by learning when and how to properly save in non-retirement accounts rather than following the conventional narrative blindly. When to Save in Taxable Investment Accounts #retirement #retirementplan #retirementplanning #retirementriskzone #shorts #financialplanning #financialadvisor If you liked this video, make sure to click thumbs up! Eric Amzalag, CFP®, RICP® Get started today → https://www.thepeakfp.com Subscribe to be notified of future videos: /@peakfinancialplanning _ _ For more resources and content, check us out below! FREE WEBINAR: "Navigating the Retirement Risk Zone": https://app.thepeakfp.com/ret-vsl Want to schedule a consultation? Click here: https://app.thepeakfp.com/E-Work-With-Us Website // https://www.thepeakfp.com Instagram // http://www.instagram.com/ericthepeakfp Facebook // https://www.facebook.com/thepeakfp LinkedIn // https://www.linkedin.com/in/thepeakfp/ Disclaimer: Please consult with your own tax, legal and financial advisors for personalized advice.