Curious about where mortgage rates and home prices are headed in 2025? Tune in to this episode of A Wiser Retirement® Podcast as Tom Townsend, Realtor at Townsend Realty Group , recaps the 2024 housing market and shares predictions and trends for 2025. We also discuss the state of the local market, inventory shortages, the cost of new construction, and tips for anyone planning to buy or sell a home this year. Related Podcast Episodes: - Ep 133: What Financial Planners Wish You Knew About Buying ...
Feb 10, 2025•45 min•Ep. 267
Join us for this episode of A Wiser Retirement® Podcast as we dive into the latest developments in the cryptocurrency market. We explore new regulatory efforts, Bitcoin’s recent price swings, and the launch of a crypto task force aimed at bringing more clarity to the industry. Plus, we discuss the rise of President Trump’s meme coin, the growing interest in altcoin ETFs, and his executive order on crypto regulations. With insights into SpaceX’s adoption of stablecoins and the future of tokenized...
Feb 05, 2025•34 min•Ep. 266
Curious about the difference between a Roth 401(k) and a Roth IRA? Join us on this episode of A Wiser Retirement® Podcast as we discuss key aspects of retirement planning, the importance of setting clear financial goals, and the distinctions between a Roth 401(k) and a Roth IRA. Discover valuable insights on maximizing your savings, navigating contribution limits, and making the most of employer matching programs—all to help you build a secure financial future. Related Podcast Episodes: - Ep 232...
Feb 03, 2025•27 min•Ep. 265
Pilots, do you want to elevate your leadership skills? Join us on this episode of A Wiser Retirement® Podcast , where we dive into the essential role of leadership development for pilots. We’ll discuss the importance of emotional intelligence, effective communication, and adaptability in aviation. Joining us is Kyle Freiburger, CEO of First Class Leaders , to shed light on the lack of formal leadership training in the industry and how cultivating skills like collaboration, psychological safety, ...
Jan 27, 2025•48 min•Ep. 264
Curious how Trump’s economic policies will impact your portfolio? Join us on this episode of A Wiser Retirement® Podcast as we talk about strategies for navigating market volatility, emphasizing the importance of long-term investment approaches and systematic decision-making to capitalize on opportunities during economic transitions. Related Podcast Episodes: - Ep 257: The Election Outcome Impact on Crypto, BTC ETFs, and Bitwise Files for Index Product - Ep 261: 2025 Market Outlook: Navigating t...
Jan 20, 2025•39 min•Ep. 263
Curious about how to optimize your tax plan for 2025? Join us on this episode of A Wiser Retirement® Podcast as we share key tax moves to make this year. We cover key topics like charitable giving, the SECURE Act 2.0 , upcoming legislative changes, monitoring AGI, and optimizing business deductions. Related Podcast Episodes: - Ep 239: How can I reduce my current taxable income? - Ep 229: How do I avoid capital gains tax? Related YouTube Videos: - Reduce Your Taxes and AGI by Giving to Charity - ...
Jan 13, 2025•34 min•Ep. 262
Curious how to navigate the stock market in 2025? Join us on this episode of A Wiser Retirement® Podcast as we share our 2025 market outlook. We cover key topics like market performance, predictions, diversification strategies, emerging technologies, economic challenges, and how to navigate external factors shaping the financial landscape. Related Podcast Episodes: - Ep 235: Investing in Index Funds: Benefits and Strategies - Ep 182: Investing for the Long Haul: Creating a Retirement-Focused Inv...
Jan 06, 2025•36 min•Ep. 261
In this episode of A Wiser Retirement® Podcast , we discuss 10 financial habits to help you take control of your finances, from setting a clear vision and building a budget to avoiding debt and maximizing employer benefits. Learn practical strategies to automate your savings, build an emergency fund, and align your spending with your long-term goals. Whether you're just starting out or looking to fine-tune your financial habits, this episode has actionable advice to help you stay on track. Relat...
Dec 30, 2024•42 min•Ep. 260
Retirement for pilots comes with its own set of challenges and opportunities, especially with the mandatory retirement age of 65. In this episode of A Wiser Retirement® Podcast , we explore essential financial strategies and lifestyle adjustments to help pilots (and others) navigate a seamless transition into retirement. Other Links: - Click here to download your free airline 401k allocation. - Click here to use our Mortgage Payoff Calculator Podcast Episodes Referenced: - Ep 253: Navigating the...
Dec 16, 2024•51 min•Ep. 259
Does holiday stress overshadow the joy of the season? Join us on this episode of A Wiser Retirement® Podcast as we dive into the true cost of holiday spending and its impact on both finances and family dynamics. From uncovering hidden expenses like holiday decorations to embracing simple pleasures such as driving through festive neighborhoods, we’ll share tips on how to celebrate meaningfully without breaking the bank. Related Podcast Episodes: - Ep 196: Your Year-End Financial Planning Checklis...
Dec 09, 2024•25 min•Ep. 258
Tune in to this episode of A Wiser Retirement® Podcast where we discuss how the post-election landscape is shaping the future of cryptocurrency. Casey Smith and Robert Swarthout from Teton Crypto Capital join us to unravel complex policy shifts and market dynamics. We explore the hurdles and timelines facing U.S. cryptocurrency regulation, drawing intriguing parallels with previous reforms like Trump's tax changes. As more people access digital currencies through platforms such as Venmo and PayP...
Dec 04, 2024•33 min•Ep. 257
Tune in to this episode of A Wiser Retirement® Podcast where we explore the best whiskeys to gift in 2024. Discover our top three recommendations for whiskeys in three price ranges: under $50, $50-$100, and over $100. We also share a few thoughtful whiskey-related gift ideas. Whether you're a seasoned connoisseur or just beginning your whiskey journey, this episode is your ultimate guide to finding the perfect gift-worthy spirits for friends and family. Links: - Glencairn Glasses - Chilling Ston...
Dec 02, 2024•28 min•Ep. 256
In this episode of A Wiser Retirement® Podcast , we're joined by Missie Beach, CFP®, CDFA®, to discuss the power of generosity and its impact on your finances. Together, we delve into strategies for making charitable giving both tax-efficient and meaningful. Discover how to maximize tax benefits through techniques like donating appreciated securities and utilizing donor-advised funds. We also discuss the advantages of bunching deductions and the power of qualified charitable distributions from I...
Nov 25, 2024•30 min•Ep. 255
Discover how to make your investments work smarter, not harder, with tax-efficient strategies. In this episode of A Wiser Retirement® Podcast, we tackle the big questions, like whether Roth conversions make sense for you, especially if you're in a low tax bracket now but anticipate higher income later. We also explore the potential of direct indexing for larger accounts and the often-overlooked benefits of FSAs and HSAs. This episode is packed with practical advice and insights to help you navig...
Nov 18, 2024•39 min•Ep. 254
In this episode of A Wiser Retirement® Podcast , we're joined by Courtney Miller, Managing Director at Visual Approach Analytics . Learn how airlines like Southwest and Delta tackle the challenges of fleet commonality and efficiency, and how they strategize around aircraft maintenance and technical operations. We'll dissect the impact of COVID-19 on the aviation landscape, including the unexpected demand surge and subsequent supply chain hurdles. Discover the intricacies behind recent airline me...
Nov 11, 2024•1 hr 23 min•Ep. 253
Tune in to this episode of A Wiser Retirement® Podcast where Casey Smith and Robert Swarthout, Founder, CEO, and Portfolio Manager of Teton Crypto Capital , discuss the SEC's upcoming actions, BTC ETFs, and Kamala Harris's stance on crypto policy. The conversation highlights the pressing need for a robust, supportive framework for crypto businesses, especially amid potential regulatory shifts under changing political leadership. Related Podcast Episodes: - Ep 246: SEC v. Ripple Lawsuit Resolved,...
Nov 04, 2024•32 min•Ep. 252
Join us for this episode of A Wiser Retirement® Podcast, where Casey Smith interviews Shawna Theriault, CFP®, CPA, CDFA®, Senior Financial Advisor, about her inspiring journey—from moving out at sixteen to pursuing a career in finance and becoming a CERTIFIED FINANCIAL PLANNER®, Certified Public Accountant, and Certified Divorce Financial Analyst®. Shawna shares how resilience, continuous learning, and a commitment to connecting deeply with clients have shaped her career in a traditionally male-...
Nov 04, 2024•53 min•Ep. 251
Celebrate with us as we hit an incredible milestone—our 250th podcast episode! We share some exciting updates about A Wiser Retirement ® Podcast . We also reflect on our top five most popular episodes and share inspiring financial success stories from clients who have achieved financial freedom. Related Podcast Episodes: - Ep 173: Making the Most of Your Airline 401k - Ep 14: Are digital currencies right for you? - Ep 168: Everything You Need to Know About 529 Plans - Ep 184: What it’s Like Trav...
Oct 28, 2024•37 min•Ep. 250
Join us on this episode of A Wiser Retirement® Podcast as we chat with Bradley and Kate Swarthout about their journey from leaving a traditional life to living full-time on a catamaran in the Caribbean with their son and dog. Through financial planning, learning to sail, and navigating various challenges, they embraced an adventurous, non-traditional lifestyle. They share insights on pursuing unconventional paths, highlighting the importance of experiences over possessions, goal-setting, and tak...
Oct 21, 2024•53 min•Ep. 249
In 2025, Medicare will eliminate the Part D coverage gap, cap out-of-pocket prescription costs at $2,000, and offer a payment plan. Some Georgia Medicare Advantage plans will not renew, allowing members to switch plans or join Medigap without underwriting. The Part B premium will rise to $185/month, and fraud risks are expected to increase. Tune in to this episode of A Wiser Retirement® Podcast as Casey Smith and Logan Steele, from Steele Choice Insurance, dive into the details of these upcoming...
Oct 14, 2024•34 min•Ep. 248
When running a business, it's essential to maintain a clear distinction between business and personal assets. This separation is vital for liability protection, tax purposes, and enhancing professionalism. Tune in to this episode of A Wiser Retirement® Podcast as we discuss why it's important and how to implement it effectively. Book Links: - The E-Myth Revisited by Michael E. Gerber - Marketing Made Simple by Donald Miller - Building a Story Brand by Donald Miller - Setting The Table by Danny M...
Oct 07, 2024•37 min•Ep. 247
Tune in to this episode of A Wiser Retirement® Podcast as Casey Smith and Robert Swarthout, Founder, CEO, and Portfolio Manager of Teton Crypto Capital , discuss the SEC v. Ripple lawsuit finally being resolved, Bitcoin ETFs, and what the upcoming presidential election means for crypto. Related Podcast Episodes: - Ep 237: Estate Planning for Crypto Assets - Ep 231: The State of RIA Crypto Education, ETH ETFs, and the Memecoin Frenzy Learn More: - About Wiser Wealth Management - Schedule a Compli...
Oct 02, 2024•29 min•Ep. 246
Achieving early retirement and long-term financial security requires a strategic approach that includes saving aggressively, living below your means, and creating multiple income streams. Join us on this episode of A Wiser Retirement® Podcast as we talk about different strategies for early retirement and long-term security. Along with financial tactics, we also highlight the importance of maintaining good health, eliminating debt, and setting clear, actionable financial goals. Related Podcast Ep...
Sep 30, 2024•27 min•Ep. 245
Managing a loved one's estate can be overwhelming. How do you ensure you're not missing critical steps? Join us on this episode of A Wiser Retirement® Podcast as we walk you through the financial steps to take after the loss of a loved one. We also stress the importance of preparing your own affairs to spare future generations the hassle and potential legal headaches. Related Podcast Episodes: - Ep 146: The Power of Life Insurance to Meet Your Family’s Goals - Ep 233: How Second Marriages and Bl...
Sep 23, 2024•24 min•Ep. 244
Is a market correction on the horizon? In this episode of the A Wiser Retirement® Podcast, we discuss key strategies for investing during an election year. We explore the stock market's average rise during election years, emphasizing the value of long-term investment strategies and avoiding market timing. We also cover the importance of having a cash reserve for downturns, rebalancing portfolios during sell-offs, and staying invested through political cycles. Related Podcast Episodes: - Ep 182: ...
Sep 16, 2024•44 min•Ep. 243
Can financial knowledge and independence unlock a better future for women? In this episode of A Wiser Retirement® Podcast, we explore essential steps women can take to control their financial destinies. We address challenges faced by divorced women and widows, offering practical advice on making smart investment decisions instead of relying on low-yield accounts. Discover why it’s crucial for women to be actively involved in family finances and how finding a trusted financial advisor can make al...
Sep 09, 2024•29 min•Ep. 242
Wiser Wealth Management was founded with a clear mission: to do the right thing and make a positive impact on people’s lives. Michaela Dowdy interviews Casey Smith about the history behind Wiser Wealth Management, giving listeners a chance to get to know him better. Casey shares his journey from aspiring mutual fund manager to becoming an airline pilot to founding Wiser. They discuss the importance of trust, client relationships, and long-term financial planning. Related Podcast Episodes: - Ep 2...
Sep 02, 2024•53 min•Ep. 241
Ever wondered how diversified income streams can shape your financial future? In this episode, Casey Smith and Shawna Theriault, CFP®, CPA, CDFA®, dive into the significance of diversified income streams, from real estate and dividend-paying stocks to balancing primary and side jobs. They emphasize the importance of passion in side hustles and business ventures, and clarify tax considerations, including the reality of higher taxes being a sign of success. Podcast Episode Referenced: - Ep 221: Ho...
Aug 26, 2024•36 min•Ep. 240
On this episode of A Wiser Retirement® Podcast , Casey Smith and Shawna Theriault, CFP®, CPA, CDFA®, explore strategies for reducing taxable income, such as deferred compensation plans, retirement contributions, and tax-loss harvesting. They highlight the importance of understanding the tax implications of various investments and caution against risky practices like creative accounting or intentional losses. Podcast Episodes Referenced: - Ep 229: How do I avoid capital gains tax? YouTube Videos ...
Aug 19, 2024•33 min•Ep. 239
Is instant gratification ruining your financial goals? On this episode of A Wiser Retirement® Podcast , Casey Smith and Shawna Theriault, CFP®, CPA, CDFA® discuss the importance of staying committed to long-term financial goals, resisting the allure of immediate gratification, and harnessing the powerful effects of early saving and compounding. They also delve into the importance of passing on sound financial habits to future generations, emphasizing the role of financial planning in building an...
Aug 12, 2024•36 min•Ep. 238
