Episode 10 - Aging Gracefully & The MIT AgeLab

Who doesn't want to age gracefully?

Patrick and Mike discuss the human realities of aging, sharing real life examples from their own families. They focus the conversation around three key questions developed by the research team at the MIT AgeLab. Key resources are available with this podcast, to help you strike up this important conversation within your family.

Additional Resources
Quality of Life Worksheet
To a Long and Healthy Retirement
The Apps, Sites & Devices Changing the Way We Age
Three Questions That Can Predict Future Quality of Life

 

Raymond James is not affiliated with and does not endorse the opinions or services of the MIT AgeLab.

Episode 9 - How to buy a car: Lease vs Finance, New vs Used

Avoid costly mistakes by taking control of the car buying process.

There are a number of important steps involved in buying a car. In this episode, Mike and Patrick get into the weeds of the car buying process to help you become an informed consumer. From researching vehicles, getting rid of your old one, fees involved in buying a car and the math and logic behind paying cash, leasing or financing your next vehicle.

Lease Report

These services are not offered through Raymond James.

Episode 8 – The Longevity Episode! Social Security, LTC & Medicare

People are living longer, but what does that mean for your retirement plan?

Whether you are close to retiring or 30 years away, it’s hard to envision living into your 90’s. But with life expectancies continuing to rise, this can be one of the most crucial factors in retirement planning. Join Mike Macco and Andrew Froelich as they discuss how Social Security, long term care, and Medicare can all play a role in planning for a long life.

 

Long Term Care Insurance or Asset based Long Term Care Insurance Products may not be suitable for all investors. Surrender charges may apply for early withdrawals and, if made prior to age 59 ½, may be subject to a 10% federal tax penalty in addition to any gains being taxed as ordinary income. Please consult with a licensed financial professional when considering your insurance options. These policies have exclusions and/or limitations. The cost and availability of LTC insurance depend on factors such as age, health, and the type and amount of insurance purchased. As with most financial decisions, there are expenses associated with the purchase of LTC insurance. Guarantees are based on the claims paying ability of the insurance company. Changes in tax laws or regulations may occur at any time and could substantially impact your situation. Raymond James Financial Services advisors do not render advice on tax or legal matters. You should discuss any tax or legal matters with the appropriate professional.

Episode 7 - 2017 Market Update & New Tax Law

The economy is hot, the Tax Law is new, its 2018, so what do you do?

Everyone knows the stock market was great in 2017, but where will it go from here? Patrick and Mike discuss the major themes of the US economy looking into 2018, and reveal the potential thorns that could slow things down. They also take an in-depth look how the new tax law changes might affect you.

Notes:

2018 Withholding Tables

https://www.irs.gov/pub/irs-pdf/n1036.pdf

Average savings for various income levels

http://www.businessinsider.com/trump-tax-plan-senate-take-home-pay-changes-every-income-level-2017-12

Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. Raymond James Financial Services advisors do not render advice on tax or legal matters. You should discuss any tax or legal matters with the appropriate professional.

Episode 3 - Tulips, Beanie Babies and… Bitcoin?

What is Bitcoin? Is it a bubble? What should you do about it?

You have undoubtedly heard about the hot “cryptocurrency”, Bitcoin. But what is it? And what will become of it? Financial advisors, Mike Macco and Patrick Stoa discuss just that, as well as how criminals and governments feel about it and how it compares to our traditional monetary system.

 

Prior to making an investment decision, please consult with your financial advisor about your individual situation. Bitcoin and other cryptocurrencies are a very speculative investment and involves a high degree of risk. Investors must have the financial ability, sophistication/experience and willingness to bear the risks of an investment, ad a potential total loss of their investment. The prominent underlying risk of using bitcoin as a medium of exchange is that it is not authorized or regulated by any central bank. Bitcoin issuers are not registered with the SEC, and the bitcoin marketplace is currently unregulated. Securities that have been classified as Bitcoin-related cannot be purchased or deposited in Raymond James client accounts.

Episode 1 - Beer & The Stock Market

A sobering look at the state OF global markets

Mike & Patrick enjoy a Spotted Cow a delve into where markets are, where we think they're going and what you should do about it.

View/Download JP Morgan's Guide to the Markets for Q4 2017.

 

Inclusion of these indexes is for illustrative purposes only. Keep in mind that individuals cannot invest directly in any index, and index performance does not include transaction costs or other fees, which will affect actual investment performance. Individual investor's results will vary. Past performance does not guarantee future results. The S&P 500 is an unmanaged index of 500 widely held stocks that is generally considered representative of the U.S. stock market. Diversification and asset allocation do not ensure a profit or protect against a loss.