Why a Target Date Fund May Not Be Enough

Why a Target Date Fund May Not Be Enough

Send us Fan Mail [https://www.buzzsprout.com/2416928/fan_mail/new] 📱 Want expert help in planning for your financial future? Schedule a check-in meeting with Steve:  https://calendly.com/steven-powerhouse-advisor/sce-employee-401k-retirement-meeting?month=2026-05 [https://calendly.com/steven-powerhouse-advisor/sce-employee-401k-retirement-meeting?month=2026-05] ⚡ Get your no-cost Retirement Toolkit: https://keap.page/ngt919/toolkit.html [https://keap.page/ngt919/toolkit.html] Target date funds are designed to make investing simple, but are they really enough as you approach retirement? In this listener Q&A, Steve explains why relying solely on a target date fund could leave your portfolio underperforming, especially if you also have a pension or other retirement assets. Learn why personalized financial planning provides a much clearer picture than a one-size-fits-all investment solution and how asking the right questions today can help improve your retirement outcomes. Here’s some of what we discuss in this episode: 🎯 Target Date Funds: Are they enough? ⚠️ Potential Pitfalls: One size doesn't fit all 📊 Personalized Planning: See the complete picture 💬 Ask Questions Specific to You: Get advice tailored to you Get your copy of Power Up Your 401K in our toolkit: https://keap.page/ngt919/toolkit.html [https://keap.page/ngt919/toolkit.html] YouTube:  https://www.youtube.com/channel/UCEE5ZkDedYTsKzkh2UxQ9Sg [https://www.youtube.com/channel/UCEE5ZkDedYTsKzkh2UxQ9Sg] Book your financial check-in meeting with Steve: https://calendly.com/steven-powerhouse-advisor/sce-employee-401k-retirement-meeting?month=2026-05 [https://calendly.com/steven-powerhouse-advisor/sce-employee-401k-retirement-meeting?month=2026-05]  Other ways to get in touch: Phone: (775) 266-8867 Our website: https://powerhousefinancialadvisors.com/ [https://powerhousefinancialadvisors.com/] Email: info@powerhousefa.com [info@powerhousefa.com] LinkedIn: https://www.linkedin.com/company/powerhouse-financial-advisors/ [https://www.linkedin.com/company/powerhouse-financial-advisors/] Facebook: https://www.facebook.com/PowerhouseFinancialAdvisors [https://www.facebook.com/PowerhouseFinancialAdvisors] This podcast is provided by Powerhouse Financial Advisors Inc. ("PFA"), a state-registered investment adviser. The information provided is for informational and educational purposes only and should not be considered personalized investment advice. PFA does not guarantee the accuracy, completeness, or suit...

How Relationships Beat Sales Pitches Every Time

Send us Fan Mail [https://www.buzzsprout.com/2416928/fan_mail/new] 📱 Want expert help in planning for your financial future? Schedule a check-in meeting with Steve:  https://calendly.com/steven-powerhouse-advisor/sce-employee-401k-retirement-meeting?month=2026-05 [https://calendly.com/steven-powerhouse-advisor/sce-employee-401k-retirement-meeting?month=2026-05] ⚡ Get your no-cost Retirement Toolkit: https://keap.page/ngt919/toolkit.html [https://keap.page/ngt919/toolkit.html] Trust is the foundation of every successful financial relationship, but it isn't built overnight. In this mini episode, Steve shares how he earns the confidence of energy sector employees by leading with education and focusing on helping people before they ever become clients. Discover how genuine guidance and long-term relationships matter far more than sales tactics when choosing someone to help you prepare for retirement. Here’s some of what we discuss in this episode: 🤝 Building Trust: It starts with education 🎓 Workshops: Guidance before becoming clients 💬 Communication: Conversations create confidence 🧩 Retirement Planning: Understanding your unique benefits Get your copy of Power Up Your 401K in our toolkit: https://keap.page/ngt919/toolkit.html [https://keap.page/ngt919/toolkit.html] YouTube:  https://www.youtube.com/channel/UCEE5ZkDedYTsKzkh2UxQ9Sg [https://www.youtube.com/channel/UCEE5ZkDedYTsKzkh2UxQ9Sg] Book your financial check-in meeting with Steve: https://calendly.com/steven-powerhouse-advisor/sce-employee-401k-retirement-meeting?month=2026-05 [https://calendly.com/steven-powerhouse-advisor/sce-employee-401k-retirement-meeting?month=2026-05]  Other ways to get in touch: Phone: (775) 266-8867 Our website: https://powerhousefinancialadvisors.com/ [https://powerhousefinancialadvisors.com/] Email: info@powerhousefa.com [info@powerhousefa.com] LinkedIn: https://www.linkedin.com/company/powerhouse-financial-advisors/ [https://www.linkedin.com/company/powerhouse-financial-advisors/] Facebook: https://www.facebook.com/PowerhouseFinancialAdvisors [https://www.facebook.com/PowerhouseFinancialAdvisors] This podcast is provided by Powerhouse Financial Advisors Inc. ("PFA"), a state-registered investment adviser. The information provided is for informational and educational purposes only and should not be considered personalized investment advice. PFA does not guarantee the accuracy, completeness, or suit...

Working With A Financial Advisor: Our Specific Process

Send us Fan Mail [https://www.buzzsprout.com/2416928/fan_mail/new] A lot of people think working with a financial advisor is just about picking investments. But a great planning experience is much more than that. Today, Steve walks through what it actually feels like to work with a firm like Powerhouse Financial Advisors, from the first conversation to ongoing guidance, so you know what to expect. Every firm can tell you what they do. We'd rather show you. If anything we talked about today sounds like the kind of relationship you've been looking for, let’s have a conversation. Here’s some of what we discuss in this episode: 📝 Personal Approach: Getting to know you first 🛣️ Onboarding Process: Creating a financial roadmap 💬 Communication Style: Multiple ways to stay connected 🔄 Life Changes: Adapting as goals evolve 🏢 Employer Expertise: Specialized planning strategies 🎯 Retirement Transition: Preparing for what's next 📈 Ongoing Guidance: Support beyond retirement Get your copy of Power Up Your 401K in our toolkit: https://keap.page/ngt919/toolkit.html [https://keap.page/ngt919/toolkit.html] YouTube:  https://www.youtube.com/channel/UCEE5ZkDedYTsKzkh2UxQ9Sg [https://www.youtube.com/channel/UCEE5ZkDedYTsKzkh2UxQ9Sg] Book your financial check-in meeting with Steve: https://calendly.com/steven-powerhouse-advisor/sce-employee-401k-retirement-meeting?month=2026-05 [https://calendly.com/steven-powerhouse-advisor/sce-employee-401k-retirement-meeting?month=2026-05]  Other ways to get in touch: Phone: (775) 266-8867 Our website: https://powerhousefinancialadvisors.com/ [https://powerhousefinancialadvisors.com/] Email: info@powerhousefa.com [info@powerhousefa.com] LinkedIn: https://www.linkedin.com/company/powerhouse-financial-advisors/ [https://www.linkedin.com/company/powerhouse-financial-advisors/] Facebook: https://www.facebook.com/PowerhouseFinancialAdvisors [https://www.facebook.com/PowerhouseFinancialAdvisors] This podcast is provided by Powerhouse Financial Advisors Inc. ("PFA"), a state-registered investment adviser. The information provided is for informational and educational purposes only and should not be considered personalized investment advice. PFA does not guarantee the accuracy, completeness, or suit...

Why Helping Utility Employees Became My Mission

Send us Fan Mail [https://www.buzzsprout.com/2416928/fan_mail/new] 📱 Want expert help in planning for your financial future? Schedule a check-in meeting with Steve:  https://calendly.com/steven-powerhouse-advisor/sce-employee-401k-retirement-meeting?month=2026-05 [https://calendly.com/steven-powerhouse-advisor/sce-employee-401k-retirement-meeting?month=2026-05] ⚡ Get your no-cost Retirement Toolkit: https://keap.page/ngt919/toolkit.html [https://keap.page/ngt919/toolkit.html] Every advisor has a story, and Steve's journey into financial planning for utility employees wasn't something he originally set out to do. In this mini episode, he shares how an early career experience revealed a major gap in retirement guidance and ultimately led him to specialize in helping utility workers navigate their financial futures. It's a behind-the-scenes look at the passion and purpose that shaped Power Your Retirement. Here’s some of what we discuss in this episode: 👷 Serving Workers: Filling a critical advice gap 📚 Early Lessons: Seeing retirement confusion firsthand 🎯 Found Purpose: Helping overlooked employees ⚡ Industry Focus: Why utilities became the niche 📖 Free Resources: Tools for retirement planning 🚀 Next Steps: How to connect with Steve Get your copy of Power Up Your 401K in our toolkit: https://keap.page/ngt919/toolkit.html [https://keap.page/ngt919/toolkit.html] YouTube:  https://www.youtube.com/channel/UCEE5ZkDedYTsKzkh2UxQ9Sg [https://www.youtube.com/channel/UCEE5ZkDedYTsKzkh2UxQ9Sg] Book your financial check-in meeting with Steve: https://calendly.com/steven-powerhouse-advisor/sce-employee-401k-retirement-meeting?month=2026-05 [https://calendly.com/steven-powerhouse-advisor/sce-employee-401k-retirement-meeting?month=2026-05]  Other ways to get in touch: Phone: (775) 266-8867 Our website: https://powerhousefinancialadvisors.com/ [https://powerhousefinancialadvisors.com/] Email: info@powerhousefa.com [info@powerhousefa.com] LinkedIn: https://www.linkedin.com/company/powerhouse-financial-advisors/ [https://www.linkedin.com/company/powerhouse-financial-advisors/] Facebook: https://www.facebook.com/PowerhouseFinancialAdvisors [https://www.facebook.com/PowerhouseFinancialAdvisors] This podcast is provided by Powerhouse Financial Advisors Inc. ("PFA"), a state-registered investment adviser. The information provided is for informational and educational purposes only and should not be considered personalized investment advice. PFA does not guarantee the accuracy, completeness, or suit...

Protecting What You Care Most About

Send us Fan Mail [https://www.buzzsprout.com/2416928/fan_mail/new] 📱 Want expert help in planning for your financial future? Schedule a check-in meeting with Steve:  https://calendly.com/steven-powerhouse-advisor/sce-employee-401k-retirement-meeting?month=2026-05 [https://calendly.com/steven-powerhouse-advisor/sce-employee-401k-retirement-meeting?month=2026-05] ⚡ Get your no-cost Retirement Toolkit: https://keap.page/ngt919/toolkit.html [https://keap.page/ngt919/toolkit.html] For most people, financial planning isn't really about spreadsheets or market returns. It's about the people you love. It's about making sure that if something happens (expected or not), the people who depend on you are taken care of. Today, Steve talks about what it looks like to provide financial protection for your family. Protection looks different at every stage of life, but the reason behind it never changes. It's about people and making sure they're taken care of, no matter what comes next. That's what a real financial plan is built to do. Here’s some of what we discuss in this episode: 🛡️ Life Insurance: Permanent vs. Term  📋 Beneficiary Designations: Importance and Common Mistakes  📜 Estate Documents: Wills and Living Trusts  ⚖️ Power of Attorney: Healthcare and Financial Control  🏥 Longevity Planning: Protecting Against Long-Term Care Costs  Get your copy of Power Up Your 401K in our toolkit: https://keap.page/ngt919/toolkit.html [https://keap.page/ngt919/toolkit.html] YouTube:  https://www.youtube.com/channel/UCEE5ZkDedYTsKzkh2UxQ9Sg [https://www.youtube.com/channel/UCEE5ZkDedYTsKzkh2UxQ9Sg] Book your financial check-in meeting with Steve: https://calendly.com/steven-powerhouse-advisor/sce-employee-401k-retirement-meeting?month=2026-05 [https://calendly.com/steven-powerhouse-advisor/sce-employee-401k-retirement-meeting?month=2026-05]  Other ways to get in touch: Phone: (775) 266-8867 Our website: https://powerhousefinancialadvisors.com/ [https://powerhousefinancialadvisors.com/] Email: info@powerhousefa.com [info@powerhousefa.com] LinkedIn: https://www.linkedin.com/company/powerhouse-financial-advisors/ [https://www.linkedin.com/company/powerhouse-financial-advisors/] Facebook: https://www.facebook.com/PowerhouseFinancialAdvisors [https://www.facebook.com/PowerhouseFinancialAdvisors] This podcast is provided by Powerhouse Financial Advisors Inc. ("PFA"), a state-registered investment adviser. The information provided is for informational and educational purposes only and should not be considered personalized investment advice. PFA does not guarantee the accuracy, completeness, or suit...