Welcome to Healthy, Wealthy, & Wise Retirement Podcast where CERTIFIED FINANCIAL PLANNER™ Loren Sherman shares thoughts on having a healthy mind, body and spirit; an abundance of wealth, inside portfolios and out; and lessons learned from clients and mentors over the years.
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May 28, 202650 min
Creating Your Estate Plan & Avoiding Mistakes (Ep. 89)
It's my honor to share some insights from CEO of Thompson & Associates, Dr. Eddie Thompson. Estate planning can be a dry topic, but Eddie brings humor, stories, and over 40 years of expertise to the conversation. We talk about why estate planning is so important, how asking the right questions BEFORE creating legal documents is vital, and some of the most common mistakes people make (and how to avoid them). I hope you enjoy this conversation as much as I did, and if you find it helpful, share it with a friend! *this episode was recorded in video format- visit our YouTube Page to watch Connect with Loren: Share More & Get in Touch Podcast Page Email: hello@integrityguidance.com
April 8, 202632 min
Home, Auto, & Liability Coverage- Part II (Ep. 88)
I hope you enjoy Part II with Dave Olchowka of Prizm, as we talk about where people can get into trouble with their home & auto coverage and how to avoid these pitfalls. We also talk about how often you should review your coverage, and situations that may warrant a fresh review. We wrap up by sharing 3 reasons people don't review their coverage (and why most people aren't crazy about change in the first place), and how Prizm helps to remove these hurdles. Again, you are welcome to a complementary review by clicking: Review My Coverage *this episode was recorded in video format- visit our YouTube Page to watch Connect with Loren: Share More & Get in Touch Podcast Page Learn More About Prizm Email: hello@integrityguidance.com
March 25, 202627 min
Home, Auto, & Liability Coverage- Part I (Ep. 87)
Listen in, as Dave Olchowka of Prizm joins the show to talk about a better way review your home & auto coverage. Dave launched Prizm in 2022, powered by innovative technology paired with human expertise. This leads to a quick and efficient process, while still always having a real person you can talk with. We talk about why Dave launched Prizm and the problems it addresses, some common mistakes people make when it comes to their own coverage, and I share a bit of my own experience working with Prizm, as my wife and I put our own coverage through the Prizm review process. I hope you enjoy this conversation, and be sure to take advantage of a complementary review yourself by clicking: Review My Coverage *this episode was recorded in video format- visit our YouTube Page to watch Connect with Loren: Share More & Get in Touch Podcast Page Learn More About Prizm Email: hello@integrityguidance.com
December 3, 202539 min
Oil & Gas: CEO Steve Blackwell- part II (Ep.86)
Today is the conclusion of my conversation with Steve Blackwell, CEO of Invito Energy Partners. In part I, Steve and I talked about oil & gas from an investment standpoint, and how not all oil & gas opportunities are equal, nor do all carry the same risk. For part II, we pivot to the unique tax benefits that oil & gas can offer, as this is what draws so many investors into the space. We talk about how an investment into oil & gas can be used to directly offset taxable income, but how it has to be done properly in order to qualify. We discuss who may benefit from an allocation to oil & gas, and just as importantly, who likely would not benefit. We also list off a handful of situations where the immediate tax reduction could be a powerful strategy as a one-time or ongoing use (paying tax on Roth conversion, sale of a business/farm, inheriting IRA funds that lead to higher AGI, offsetting taxable impact of year-end bonuses, "widow's penalty," reducing Medicare IRMAA). As a reminder, none of this should be taken as investment advice, as a personalized conversation is needed to determine if oil & gas, or any of the strategies we discuss on this show, are right for you and your situation. Further, the opportunity we discuss today is only available to accredited investors, which at the time of this recording, means having in income of $200k plus per year (or $300k joint income), or having an excess of $1 million of investable assets (not including your home). In the show notes, you can find Invito's executive summary with part one, and a tax benefits guide with this episode. You can also simply reach out if you would like to learn more about this opportunity. *this episode was recorded in video format- visit our YouTube Page to watch Connect with Loren: Share More & Get in Touch Podcast Page Email: hello@integrityguidance.com
November 27, 202525 min
Oil & Gas: CEO Steve Blackwell- part I (Ep.85)
Today I'm joined by Steve Blackwell, CEO of Invito Energy Partners. Steve and his managing partner, Jared Christianson, have a long history and vast experience in the oil & gas space. As an investment opportunity, oil & gas can be a powerful addition to a portfolio, as its returns are not directly tied to the market like many traditional investments, and it offers unique tax benefits, but only if done the right way. While the tax benefits often lead the conversation when it comes to oil & gas, today we look at this solely from an investment perspective, because at the end of the day, all of the tax benefits in the world don't help us if the investment does not perform. As always, none of this should be taken as investment advice, as a personalized conversation is needed to determine if oil & gas, or any of the strategies we discuss on this show, are right for you and your situation. Further, the opportunity we discuss today is only available to accredited investors, which at the time of this recording, means having in income of $200k plus per year (or $300k joint income), or having an excess of $1 million of investable assets (not including your home). You can find Invito's executive summary in the show notes, or simply reach out if you would like to learn more about this opportunity. *this episode was recorded in video format- visit our YouTube Page to watch Connect with Loren: Share More & Get in Touch Podcast Page Email: hello@integrityguidance.com
September 4, 202528 min
Retirement Risks Analysis (Ep. 84)
This is a quick impromptu episode where I hopped on the microphone after a couple of client meetings to share some thoughts. In the first half, I talk about the role of the advisor, specifically how it's important for advisors to push back and challenge clients who have strong convictions regarding how to best invest their portfolio. At the end of the day, it's the client's money and they have the final say in how to invest, but I think it's through this push-pull dynamic that we can arrive at the best answers. In the second half of this episode, I share my screen to walk through our Retirement Risks Analysis, which is a complimentary service we offer prospective clients. This is a review of 15 retirement risks, each color-coordinated so you can quickly identify strengths and weaknesses in your planning. This process helps us mutually determine if there is a good fit for a working relationship, and gives us some specific areas to improve so we can hit the ground running. I hope you enjoy this episode, and if you'd like your own Retirement Risks Analysis personalized to you and your situation, get started with the "Share More & Get in Touch" link below, or shoot us a quick email with "Retirement Risks Analysis" in the subject line. *this episode was recorded in video format, so you'll get the most out of it by visiting our YouTube Page and watching there Connect with Loren: Share More & Get in Touch Podcast Page Email: hello@integrityguidance.com
July 16, 202547 min
Retirement Hobbies: Music (Ep. 83)
On today's episode, Perry Ross, worship minister at Lutheran Church of Hope in West Des Moines, Iowa was kind enough to share his love of music with us all. Perry shares stories about how he got into music, how he came to his current position with Hope, and even answers some "off the cuff" listener questions that we received. I hope you enjoy this relaxing, long-form interview with Perry Ross! Connect with Loren: Share More & Get in Touch Podcast Page
July 16, 202547 min
Retirement Hobbies: Music (Ep. 83)
On today's episode, Perry Ross, worship minister at Lutheran Church of Hope in West Des Moines, Iowa was kind enough to share his love of music with us all. Perry shares stories about how he got into music, how he came to his current position with Hope, and even answers some "off the cuff" listener questions that we received. I hope you enjoy this relaxing, long-form interview with Perry Ross! Connect with Loren: Share More & Get in Touch Podcast Page
June 25, 202523 min
Ph.D. Alex Murguia- part II (Ep. 82)
I'm excited to share Part II of my conversation with Ph.D. Alex Murguia. Alex is a "go-to" expert when it comes to any finance-related topic, as he has a unique ability to combine an academic proficiency with humor and real-world experience. I hope you enjoy today's show, and don't forget to take advantage of completing your own RISA Assessment too! *this episode was recorded in video format: YouTube On today's show, we discuss: 1) Does our tolerance for market turbulence change throughout retirement? 2) Why is it so important to identify our "retirement income style" (and what are the 4 styles)? 3) Instead of unproductive behaviors like trying to time the market, what are some worthwhile steps we can take in retirement? 4) Why is it important to know your plan's "funded ratio," and what are some of the shortfalls of the more traditional approach called "probability of success?" *Take a complimentary RISA Assessment Connect with Loren: Share More & Get in Touch Podcast Page More from Alex: Retirement Researcher Retire with Style Podcast
June 4, 202534 min
Ph.D. Alex Murguia- part I (Ep. 81)
Today, I have the pleasure of welcoming Ph.D. Alex Murguia to the show. Alex is the CEO of Retirement Researcher and Managing Director of McLean Asset Management, an investment advisory firm based in Tysons, Virginia. He has been published in the New York Times, the Wall Street Journal, speaks at several financial conferences, and founded a financial planning software which helps retirees learn which retirement income strategies best fit their personalized style. *this episode was recorded in video format: YouTube On today's show, we discuss: 1) What actually is market volatility from an academic perspective? 2) What are some "market drivers" and is it worth trying to gauge them? 3) How much does the market move in absolute terms in order to our net gain or loss at the end of the year? 4) What are some biases we all have as investors (loss aversion, anchoring, survivorship, and action bias)? *Take a complimentary RISA Assessment Connect with Loren: Share More & Get in Touch Podcast Page More from Alex: Retirement Researcher Retire with Style Podcast
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