Protect & Grow

Hosted by Tim Stearns

Business Education

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Episodes

100

Latest episode

Jun 2026

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About the show

Trust, Respect, Results

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60 recent

June 13, 2026Episode 61312 min

Annuity Education

In this video, we provide a straightforward overview of annuities and the role they can play in financial planning. We cover basic annuity concepts, common terminology, and key considerations to help viewers better understand how these products work. Whether you're new to the topic or looking to expand your knowledge, this educational content is designed to offer general information in a clear and accessible format. This video is for educational purposes only and should not be considered financial, investment, tax, or legal advice. For more information contact Tim Stearns, CFP® and his team at TjStearns at (800) 640-2256 and visit the website at www.tjstearns.com/.

June 6, 2026Episode 60617 min

What Happens If Markets Crash?

What happens if the market crashes during retirement? In this episode, we explore how a significant market decline can affect retirees who are relying on their investment portfolios for income. We discuss sequence of returns risk, the challenges of withdrawing money during down markets, and some of the factors that can influence how a retirement plan responds to market volatility. Along the way, we look at concepts such as diversification, cash reserves, spending flexibility, and long-term investing perspectives. If you're interested in understanding the potential impact of market downturns on retirement income, this conversation provides context and considerations to help inform your thinking. For more information contact Tim Stearns, CFP® and his team at TjStearns at (800) 640-2256 and visit the website at www.tjstearns.com/.

May 30, 2026Episode 52614 min

Taxes In Retirement

Taxes can remain an important consideration during retirement. This video looks at how different sources of retirement income such as retirement accounts, Social Security, and investment withdrawals may be taxed. It also touches on how withdrawal timing, tax rules, and other factors can influence how retirement income is structured over time. For more information contact Tim Stearns, CFP® and his team at TjStearns at (800) 640-2256 and visit the website at www.tjstearns.com/.

May 23, 2026Episode 52314 min

De-Risking Your Portfolio

This episode looks at practical ways to reduce unnecessary risk in an investment portfolio while still supporting long term growth. It explains how diversification and asset allocation help manage volatility and why relying too heavily on a single sector or asset can increase exposure to losses. It also discusses common investor mistakes during market swings such as emotional decision making and overreacting to short term moves. The episode highlights different types of risk including concentration risk and liquidity risk and how they can build up over time. It ends with simple habits that help keep a portfolio aligned with long term financial goals especially in uncertain markets. For more information contact Tim Stearns, CFP® and his team at TjStearns at (800) 640-2256 and visit the website at www.tjstearns.com/.

May 9, 2026Episode 50915 min

Retirement What If's

Retirement comes with plenty of unknowns, and having a plan in place can make it easier to navigate changes along the way. In this episode, we talk about preparing for the "what ifs" that can impact retirement, including market changes, healthcare expenses, inflation, and shifts in income needs over time. We also discuss ways people approach protecting their savings, creating income, and staying financially organized as retirement approaches. Whether you are planning for retirement or already living in it, this episode offers insight into the importance of thinking ahead and staying prepared for the unexpected. For more information contact Tim Stearns, CFP® and his team at TjStearns at (800) 640-2256 and visit the website at www.tjstearns.com/.

May 1, 2026Episode 50420 min

Medicare & Social Security Planning

In this episode, we talk through some of the basics of Medicare and Social Security planning. We cover when people typically enroll in Medicare, how different coverage options work, and what factors can affect Social Security benefits over time. It's a general discussion meant to help you better understand how these programs fit into retirement planning. For more information contact Tim Stearns, CFP® and his team at TjStearns at (800) 640-2256 and visit the website at www.tjstearns.com/.

April 18, 2026Episode 41812 min

Continuing To Navigate Volatile Markets

In this episode, we talk through the ongoing challenge of navigating volatile markets and what that can look like in practice. We touch on recent market swings, common reactions investors have during uncertain periods, and a few ways people approach decision-making when conditions feel unstable. It's a grounded conversation about staying engaged without overreacting, and recognizing that there isn't a one-size-fits-all approach when markets are unpredictable. For more information contact Tim Stearns, CFP® and his team at TjStearns at (800) 640-2256 and visit the website at www.tjstearns.com/.

April 11, 2026Episode 41113 min

Tax Planning Season

In this episode, we discuss key concepts in tax planning, including how deductions and credits work, and how timing income and expenses can affect what you owe. We also touch on common strategies used by individuals and small business owners to manage taxes more efficiently. This overview is meant to provide general information to help you better understand the basics of tax planning. For more information contact Tim Stearns, CFP® and his team at TjStearns at (800) 640-2256 and visit the website at www.tjstearns.com/.

April 4, 2026Episode 40411 min

Planning For Market Volatility

Market volatility is a regular part of investing, though it can be uncomfortable when it happens. In this episode, we look at how people approach planning for market ups and downs. We touch on ideas like risk tolerance, time horizon, and diversification, and how these factors may influence decisions during uncertain periods. This is a straightforward discussion of how some investors think about volatility and the role planning can play over time. For more information contact Tim Stearns, CFP® and his team at TjStearns at (800) 640-2256 and visit the website at www.tjstearns.com/.

March 21, 2026Episode 32115 min

Current Events

This video looks at how recent current events such as inflation, interest rates, and broader economic changes can influence retirement planning. It provides a clear overview of how these factors may affect savings, investments, and long term financial stability for people who are already retired or planning for retirement. For more information contact Tim Stearns, CFP® and his team at TjStearns at (800) 640-2256 and visit the website at www.tjstearns.com/.