On this episode of A Wiser Retirement® Podcast , we talk about estate planning for crypto assets, the recent launch of eight Ethereum ETFs, the future of Bitcoin and SAB121 with Casey Smith and Robert Swarthout, Founder, CEO, and Portfolio Manager of Teton Crypto Capital . Podcast Episodes Referenced: - Ep 226: SWIFT Plans to Launch CBDC, Binance Founder CZ Sentenced, & Ethereum ETF News - Ep 231: The State of RIA Crypto Education, ETH ETFs, and the Memecoin Frenzy Learn More: - About Wiser ...
Aug 07, 2024•35 min•Ep. 237
On this episode of A Wiser Retirement® Podcast , we talk about using life insurance to be your own bank with Casey Smith and Shawna Theriault, CFP®, CPA, CDFA®. We discuss what happens if you rely solely on life insurance for wealth-building and stress the importance of having a diversified financial plan. Podcast Episodes Referenced: - Ep 214: What is disability insurance and do I need it? - Ep 179: Long-Term Care Insurance: To Buy or Not to Buy? - Ep 146: The Power of Life Insurance to Meet yo...
Aug 05, 2024•40 min•Ep. 236
On this episode of A Wiser Retirement® Podcast , we discuss investing in index funds with Casey Smith and Andrew Pratt, CFA, CBDA. We talk about the importance of long-term investing, the different types of ETFs, and the benefits of dollar cost averaging over lump-sum investing. Podcast Episodes Referenced: - Ep 208: How Direct Indexing Benefits High Net Worth Individuals - Ep 216: What are alternative investments? Should you be invested in them YouTube Videos Referenced: - Is it always safe to ...
Jul 29, 2024•40 min•Ep. 235
Are you maximizing the full potential of your 401k as a pilot? On this episode of A Wiser Retirement® Podcast, Casey Smith and Missie Beach, CFP®, CDFA® talk about why airline pilots should maximize their 401(k) contributions. They explore the complexities and risks of real estate investments, superfunding your 401k, and tax benefits to keep in mind. Click HERE to download your free airline 401k allocation. Podcast Episodes Referenced: - Ep 173: Making the Most of Your Airline 401k - Ep 194: Del...
Jul 22, 2024•47 min•Ep. 234
On this episode of A Wiser Retirement® Podcast, Casey Smith is joined by Shawna Theriault, CFP®, CPA, CDFA® to talk about how second marriages and blended families impact estate planning. They also discuss how to safeguard your family's future, avoiding probate pitfalls, and the often-overlooked risk of unintentionally disinheriting children from a previous marriage. Podcast Episodes Referenced: - Ep 230: What Can and Can't be Included in a Prenup - Ep 119: Choosing a CPA to Meet Your Estate Pla...
Jul 15, 2024•35 min•Ep. 233
High-income earners, are you looking for a way to maximize your retirement savings even if you exceed the income limits for a Roth IRA? On this episode of A Wiser Retirement® Podcast, Missie Beach, CFP®, CDFA® and Shawna Theriault, CFP®, CPA, CDFA® walk you through backdoor Roth IRAs, how to execute it step-by-step, and why early career planning is crucial for long-term, tax-free growth. From making non-deductible contributions to a traditional IRA to converting it to a Roth IRA, we cover all th...
Jul 08, 2024•33 min•Ep. 232
Is your financial advisor ready for the crypto revolution? On this episode of A Wiser Retirement® Podcast, Casey Smith is joined by Robert Swarthout, Founder, CEO, and Portfolio Manager of Teton Crypto Capital . They discuss the state of RIA crypto education, Crypto Super PACs, ETH ETFs, and the memecoin frenzy. Related Podcast Episodes: - Ep 226: SWIFT Plans to Launch CBDC, Binance Founder CZ Sentenced, & Ethereum ETF News - Ep 220: Is Bitcoin more than digital gold? Other Links: - Teton Cr...
Jul 03, 2024•36 min
In this episode of A Wiser Retirement®, Casey Smith and Missie Beach, CFP®, CDFA®, talk with Leslie O'Neal , a Family Law Attorney and Partner at O'Dell and O'Neal in Marietta, GA. They discuss why prenups are important for everyone, especially in second marriages, and how they act as practical life planning tools like insurance. The conversation covers the need for legal drafting of prenups, the challenges across state lines, and essential tips for anyone getting married. Related Podcast Episod...
Jul 01, 2024•46 min•Ep. 230
On this episode of A Wiser Retirement® Podcast, Casey Smith and Shawna Theriault, CFP®, CPA, CDFA® discuss various methods to minimize capital gains taxes, especially during retirement. Key strategies include gifting appreciated assets to charities, 1031 exchanges, and converting IRAs to Roth accounts during specific timeframes. Proper education and planning can help investors maximize their financial benefits while minimizing their tax liabilities. Related Podcast Episodes: - Ep 150: Can Tax-Lo...
Jun 24, 2024•35 min•Ep. 229
Unlock the secrets to successful franchising with our special guest, Jon Ostenson, CEO of FranBridge Consulting and former president of Shelf Genie. Jon joins Casey Smith on the episode and shares his journey from the corporate world to franchising. He reveals the untapped potential of non-food franchises, which often boast lower startup costs and higher profit margins. They delve into the appeal of semi-passive franchise models and why aligning your personal interests with your business endeavo...
Jun 17, 2024•34 min•Ep. 228
Can inheriting money truly change your life for the better, or could it create unforeseen financial pitfalls? On this episode of A Wiser Retirement® Podcast, Casey Smith, Missie Beach, CFP®, CDFA®, and Shawna Theriault, CFP®, CPA, CDFA® talk about what to do if you inherit $200k. Related Podcast Episodes: - Ep 171: I've inherited money, now what? - Ep 127: The Cost of Inheriting Wealth, Estate Tax and Opportunities to Avoid It Related YouTube Videos: - Do you have to pay taxes on an inheritance?...
Jun 10, 2024•31 min•Ep. 227
On this episode of A Wiser Retirement®, Casey Smith is joined by Robert Swarthout, Founder, CEO, and Portfolio Manager of Teton Crypto Capital . They discuss how SWIFT plans to launch a CBDC, Binance founder CZ sentenced, and give an Ethereum ETF update. Related Podcast Episodes: - Ep 216: What are alternative investments? Should you be invested in them? - Ep 220: Is Bitcoin more than digital gold Other Links: - Robert Swarthout: Teton Crypto Capital Learn More: - About Wiser Wealth Management -...
Jun 05, 2024•40 min•Ep. 226
Will the 2024 Presidential election influence the stock market? On this episode of A Wiser Retirement®, Casey Smith is joined by Andrew Pratt, CFA, CBDA, to talk about how the S&P 500 performs depending on which party is in office and how the market performs with a divided Congress. They also compare stats on how the market performed when Trump and Biden were each in office. Related Podcast: - Ep 169: How the 2024 Election Will Affect Your Portfolio Related Blog: - How often should you check...
Jun 04, 2024•33 min•Ep. 225
It's often tricky to find the balance between living in the moment and planning for the future. On this episode of A Wiser Retirement™, Casey Smith, Missie Beach, CFP®, CDFA®, and Michaela Dowdy talk about instant vs delayed gratification, goal-setting tips, and lifestyle perceptions of the wealthy. Podcast Episodes Referenced: - Ep 219: Do you have a wealth preservation plan? - Ep 221: How to Prioritize Financial Goals YouTube Videos Referenced: - Retirement Planning Tool vs Working with a Fina...
May 27, 2024•33 min•Ep. 224
Is 2024 a good time to purchase a new home? On this episode of A Wiser Retirement™, Casey Smith is joined by realtor, Tom Townsend from Townsend Realty Group . They talk about what's going on in the housing market, what to know about buying a house in 2024, interest rates, upcoming changes to realtor commissions, and investing in a second home. Podcasts Referenced: - Ep 198: Real Estate Market Trends: What to Watch for in 2024 YouTube Videos Referenced: - Will mortgage rates drop in 2024? - Shou...
May 20, 2024•34 min•Ep. 223
When should I claim Social Security if I don't need it? On this episode of A Wiser Retirement™, Casey Smith and Missie Beach, CFP®, CDFA® talk about the best age to claim Social Security, different strategies for claiming it, and the optimal time to take it if you don't necessarily need it. Related Podcast Episodes: - Ep 109: Common Social Security Questions Answered Related YouTube Videos: - How will retiring early impact my Social Security benefit? - Common Mistakes to Avoid with Social Securi...
May 13, 2024•29 min•Ep. 222
On this episode of A Wiser Retirement™, Casey Smith , Missie Beach, CFP®, CDFA® , and Michaela Dowdy discuss how to prioritize financial goals. They encourage people to set SMART goals, explain leading and lagging indicators, and how to focus on daily priorities. Related Podcast Episodes: - Ep 200: Setting and Achieving Financial Goals in the New Year - Ep 185: Opportunity Funds - Where Dreams Become Reality Related YouTube Videos: - What is flat fee financial planning? Other Links: - 4 Discipli...
May 06, 2024•34 min•Ep. 221
On this episode of A Wiser Retirement™ Podcast, Casey Smith is joined by Robert Swarthout, Founder, CEO, and Portfolio Manager of Teton Crypto Capital. They talk about whether Bitcoin is more than digital gold, give an update on the SEC vs Ripple case , explain Bitcoin halving, and mention that the IRS issued a draft for the new 1099-DA. Related Podcast Episodes: - Ep 216: What are alternative investments? Should you be invested in them? - Ep 211: Crypto and Technology Update: ChatGPT, Gemini, F...
May 01, 2024•34 min•Ep. 220
On this episode of A Wiser Retirement™, Casey Smith is joined by Missie Beach, CFP®, CDFA®, to discuss wealth preservation plans and various asset protection strategies. Wealth preservation is more than just preparing for retirement; it involves a strategic approach to safeguarding your assets for future generations while maintaining a comfortable lifestyle today. Related Podcast Episodes: - Ep 145: Dying without Estate Planning: Do you hate your family? - Ep 175: Passing Down Generational Wealt...
Apr 29, 2024•41 min•Ep. 219
On this episode of A Wiser Retirement™, Casey Smith is joined by guests, Justin and Jennifer Place. Justin and Jennifer are both Pilots at a major airline. They discuss what it was like starting at regional airlines and how to make it to the majors, different career paths for pilots, variable income budgeting tips, emergency funds, airline 401k plans, and planning for retirement. Podcast Episodes Mentioned: - Ep 194: Delta, American & United: Who's Got the Best Pilot Retirement Offering? - E...
Apr 22, 2024•38 min•Ep. 218
Have you thought about moving to a new state when you retire? On this episode of A Wiser Retirement™, Casey Smith is joined by Michaela Dowdy to talk about the 5 best and worst states to retire to. The states on the list might surprise you! Podcast Episodes Referenced: - Ep 184: What It’s Like Traveling Full-Time in Retirement with the Retirement Travelers - Ep 77: Tips for Moving to Lower Tax States - Ep 192: Estate Planning for Those that Travel Frequently or Live in Multiple States YouTube Vi...
Apr 15, 2024•36 min•Ep. 217
On this episode of A Wiser Retirement™, Casey Smith is joined by Andrew Pratt and Robert Swarthout. Andrew is the Investment Manager at Wiser and Robert is the Founder, CEO, and Portfolio Manager of Teton Crypto Capital . They talk about Andrew’s new CBDA designation, crypto volatility, Bitcoin ETF holdings, and alternative investments. Podcast Episodes Referenced: - Ep 206: Bitcoin ETF Launch Update, SEC's X Account Hacked, & Greyscale's Outflow - Ep 208: How Direct Indexing Benefits High-N...
Apr 08, 2024•54 min•Ep. 216
Happy Financial Literacy Month! On this episode of A Wiser Retirement™, Casey Smith is joined by Missie Beach, CFP®, CDFA®, and Michaela Dowdy to talk about why it's important to be financially literate. At its core, financial literacy empowers and equips individuals with the knowledge and skills needed to make informed financial decisions. How financially literate are you? Podcast Episodes to Reference: - Ep 124: Financial Literacy is Vital for... EVERYONE! YouTube Videos to Reference: - Georgi...
Apr 01, 2024•45 min•Ep. 215
On this episode of A Wiser Retirement™, Casey Smith is joined by Randy Hargett and Kyle Conroy. Randy is a Long Term Care Specialist at Capstone LTC Advisors and Kyle is a Managing Partner at Disability Insurance Services . They discuss what disability insurance is and how to determine if you need it. Podcast Episodes Referenced: - Ep 212: Medical Costs During Retirement and Preparing for the Unexpected - Ep 179: Long-Term Care Insurance: To Buy or Not to Buy? - Ep 126: How can insurance protect...
Mar 25, 2024•45 min•Ep. 214
On this episode of A Wiser Retirement™, Casey Smith is joined by Missie Beach, CFP®, CDFA®, to talk about how to terminate a relationship with your financial advisor. They discuss common reasons people part ways with financial advisors, understanding any terms related to termination, tips for communicating the decision to your advisor, and how to monitor the transition. Podcast Episodes Referenced: - Ep 118: What to Look for in a Financial Advisor YouTube Videos Referenced: - Financial Planner v...
Mar 18, 2024•31 min•Ep. 213
On this episode of A Wiser Retirement™, Casey Smith is joined by Logan Steele from Steele Choice Insurance to talk about medical costs during retirement and preparing for the unexpected. They go over Medicare, long-term care, healthcare costs, Medigap, and traveling overseas for medical procedures. Related Podcasts: - Ep 179: Long-Term Care Insurance: To Buy or Not to Buy? - Ep 188: Current State of Healthcare and Medicare Open Enrollment Related YouTube Videos: - What is IRMAA? Other Links: - S...
Mar 11, 2024•41 min•Ep. 212
On this episode of A Wiser Retirement™ Podcast, Casey Smith is joined by Robert Swarthout, to talk about their concerns over AI platforms like ChatGPT and Google's Gemini, the ongoing bankruptcy proceedings for FTX, the potential for Ethereum to receive an ETF, as well as the potential implications of Bitcoin reaching a million dollars. Podcast Episodes Referenced: - Ep 206: Bitcoin ETF Launch Update, SEC's X Account Hacked, & Greyscale's Outflow - Ep 202: Bitcoin Halving and the Upcoming Bu...
Mar 06, 2024•34 min•Ep. 211
On this episode of A Wiser Retirement™ Podcast, Casey Smith is joined by Missie Beach, CFP®, CDFA®, Senior Financial Advisor, and Michaela Dowdy, Financial Planning Associate, to talk about strategies for educating your children on money management, credit, investing, and saving to pave the way for their financial success. Podcast Episodes Referenced: - Ep 168: Everything You Need to Know About 529 Plans YouTube Video Referenced: - Georgia Will Now Mandate Personal Finance Education in Schools B...
Mar 04, 2024•46 min•Ep. 210
On this episode of A Wiser Retirement™ Podcast, Casey Smith and Missie Beach, CFP®, CDFA® are joined by guest, Leslie O'Neal, Family Law Attorney. They talk about the differences between alimony and child support, the factors that determine alimony, different types of alimony, and why alimony is not as common anymore. Podcast Episodes Referenced: - Ep 160: How Finances Affect Divorce - Ep 153: How to Recover Financially after Divorce YouTube Video Referenced: - Will I have access to money when I...
Feb 26, 2024•54 min•Ep. 209
On this episode of A Wiser Retirement™ Podcast, Casey Smith is joined by Andrew Pratt to talk about what direct indexing is, the pros and cons, and how it benefits high-net-worth individuals. Listen to this episode to see if Direct Indexing is the right strategy for you! Podcast Episodes Referenced: - Ep 175: Passing Down Generational Wealth - Ep 152: 10 Tax Planning Strategies for High Net Worth Individuals YouTube Video Referenced: - How to Hire a High-Net-Worth Financial Advisor Blog Referenc...
Feb 19, 2024•32 min•Ep. 208
