The Financial Call

Guided Path 8-6 Property & Casualty Insurance

Are you a homeowner or looking to become one? Here’s where you can learn about all the insurance you may need!   Listen in as Zacc and Laura are joined by insurance professional Spencer Shelton to delve into property and casualty insurance. They discuss various personal and commercial insurance types, including auto, home, and umbrella policies.    Spencer explains the nuances of homeowners' insurance, such as the differences between HO-3, HO-4, and HO-5 policies, and the significance of flood insurance.    The conversation highlights the importance of understanding insurance coverage, the benefits of umbrella policies, and the need for individuals to review and discuss their insurance needs with agents.   Other discussion points include: * The essentials of casualty and property insurance * Understanding your homeowners’ insurance policy * Car insurance, umbrella policies & how to protect your assets * The role of insurance agents in your financial journey * And more   Connect With Capita Financial Network: * info@capitamail.com [info@capitamail.com] * tfc@capitamail.com [tfc@capitamail.com] * (801) 566-5058 * Capita Financial Network [https://www.capitafinancialnetwork.com/] * LinkedIn: Zaccary Call  [https://www.linkedin.com/in/zaccary-s-call-cfp%C2%AE-05145283/] * LinkedIn: Laura Hadley [https://www.linkedin.com/in/laura-wilcox-hadley-3615b6160/] * LinkedIn: Capita Financial Network [https://www.linkedin.com/company/capita-financial-network/] * Facebook: Capita Financial Network [https://www.facebook.com/Capita-Financial-Network-110707198019231]   Connect with Spencer Shelton: * LinkedIn: Spencer Shelton [https://www.linkedin.com/in/spencercshelton/] * Shelton Insurance Group [http://www.sheltonins.com/]

BONUS - Questions From the Internet: Roth vs Traditional

In this special bonus episode Zacc Call joins Erik Soderborg on the 90 Days from Retirement Youtube channel to delve into the most pressing questions from the internet following their recent episode on Roth vs. Traditional. This engaging discussion offers valuable insights and answers to commonly asked questions, providing listeners with a comprehensive understanding of the complexities surrounding these critical financial decisions. Topics covered include: * Traditional & RMDs (Required Minimum Distributions): * Unpack the nuances of Traditional retirement accounts and navigate the intricacies of Required Minimum Distributions. * Are Taxes Going Up? * Explore the current landscape of tax policies and discuss whether taxes are expected to increase in the foreseeable future, influencing retirement planning strategies. * Roth Income Limits: * Shed light on the income limits associated with Roth IRAs and how they impact eligibility and contributions. * Spousal IRA: * Provide guidance on the often-overlooked Spousal IRA option, offering couples additional avenues for optimizing their retirement savings. * Backdoor Roth: * Demystify the concept of a Backdoor Roth IRA and explain how it can be a strategic option for individuals facing income limitations for direct Roth contributions. * Will Roths Be Taxed? * Delve into the speculation and considerations surrounding the potential taxation of Roth IRAs in the future, offering listeners a forward-looking perspective on their retirement planning. To get the full spectrum of information, make sure to check out the complete video on the 90 Days from Retirement YouTube channel. Additionally, visit Erik Soderborg's website at 90daysfromretirement.com for more resources, tools, and insights to empower your journey towards a secure and fulfilling retirement. Don't miss this bonus episode packed with expert advice and practical tips to navigate the Roth vs. Traditional dilemma and make informed decisions for your financial future. Questions from the Internet: Roth vs. Traditional - https://www.youtube.com/watch?v=-U_su7Ak7QE [https://www.youtube.com/watch?v=-U_su7Ak7QE] Watch the original interview that started it all! Exposing the TRUTH About Roth vs Traditional Accounts | Financial Conversations: https://www.youtube.com/watch?v=VHHNYdpVwrU&t=1s [https://www.youtube.com/watch?v=VHHNYdpVwrU&t=1s]

Guided Path 8-5 Basics of Long-term Care & Disability Insurance

Long-term care insurance is becoming an increasingly fundamental addition to the financial planning process.    That’s why Zacc Call and Laura Hadley, along with insurance professional Barney Tanner, are diving into the intricacies of long-term care and disability insurance. They discuss the likelihood of needing long-term care, the various payment options including insurance, and the importance of planning for potential costs.    The episode also explores the differences between standard and linked benefit insurance policies, the role of ADL requirements, and the nuances of disability insurance coverage.    Discussion points include:   * The basics of planning for long-term care * The 6 main avenues of paying for long-term care: Private pay, family support, Medicare, Medicaid, veterans' benefits, and insurance * The role of insurance in long-term care from an insurance professional * The various policies you can choose from in disability insurance * And more   Resources: * Guided Path 8-1 Pre-65 Health Care Options for Early Retirees [https://thefinancialcall.libsyn.com/guided-path-8-1-pre-65-health-care-options-for-early-retirees] * Guided Path 8-2 Navigating the Alphabet Soup of Medicare [https://thefinancialcall.libsyn.com/guided-path-8-2-navigating-the-alphabet-soup-of-medicare] * Guided Path 8-3 Life Insurance [https://thefinancialcall.libsyn.com/guided-path-8-3-life-insurance]  * Guided Path 8-4 Life Insurance: When To Get It, When To Drop It [https://thefinancialcall.libsyn.com/guided-path-8-4-life-insurance-when-to-get-it-when-to-drop-it]   Connect with Capita Financial Network: * info@capitamail.com [info@capitamail.com] * tfc@capitamail.com [tfc@capitamail.com] * (801) 566-5058 * Capita Financial Network [https://www.capitafinancialnetwork.com/] * LinkedIn: Zaccary Call  [https://www.linkedin.com/in/zaccary-s-call-cfp%C2%AE-05145283/] * LinkedIn: Laura Hadley [https://www.linkedin.com/in/laura-wilcox-hadley-3615b6160/] * LinkedIn: Capita Financial Network [https://www.linkedin.com/company/capita-financial-network/] * Facebook: Capita Financial Network [https://www.facebook.com/Capita-Financial-Network-110707198019231]   Connect with Barney Tanner: * LinkedIn: Barney Tanner, CLTC® [https://www.linkedin.com/in/barney-tanner/] * Allegis Advisor Group [https://www.allegisag.com/]   About Our Guest: Barney Tanner is a seasoned National Brokerage Director with over 20 years of experience nurturing key relationships that lead to sales growth and ensure client retention. Extensive experience in all aspects of business development and wealth planning including developing key client relationships, leading and building teams, developing successful strategies, and making relationship-based sales.  Barney continually exceeds expectations by creating valuable partnerships and works well with people at all levels of an organization including stakeholders, C-suite executives, management, underwriters, staff, and agents.

BONUS: Protect Yourself from Running Out of Money in Retirement

Get ready for another special bonus episode where Zacc Call joins Erik Soderborg on the "90 Days from Retirement" YouTube channel! They dive deep into the critical art of securing your retirement funds, covering everything from external risks to the internal decisions that could make or break your financial future.  The conversation dives deep into the intricacies of risk tolerance, savvy withdrawal strategies, and debunking the 4% rule, all while stressing the need for a personalized approach tailored to your unique circumstances. Erik and Zacc pull back the curtain on the impact of taxes on retirement, delivering a fresh perspective on potential challenges and the absolute necessity for meticulous financial planning.  Catch the full video on Erik Soderborg's channel for a complete look into these crucial retirement insights. Ready to supercharge your financial knowledge? Don't forget to explore Erik's website and watch more of his engaging videos on YouTube.  Full video: https://www.youtube.com/watch?v=flCDgSy25e0&t=1s [https://www.youtube.com/watch?v=flCDgSy25e0&t=1s]  Erik’s Website: https://90daysfromretirement.com/ [https://90daysfromretirement.com/]

Guided Path 8-4 Life Insurance: When To Get It, When To Drop It

There’s no magical date marked on the calendar telling you when to get life insurance.  So, when should you get it, and is there a time you should get rid of it? In this episode, Zacc Call and Laura Hadley discuss both when to get and when to drop life insurance. Zacc shares his journey with life insurance, starting from when he married at 22, highlighting its importance for end-of-life expenses and family support.  They explore the financial implications of death, such as mortgage and income continuation for survivors, emphasizing tailored coverage. The advisors also consider when retirees might drop life insurance, noting that those with ample assets may not need it.  Zacc and Laura discuss: * How to time your life insurance * When to hold onto your policy, and when to let it go * What financial problems your death may create * What financial plan tweaks should happen as your life progresses * And more Resources: * The Cost of Dying - Talk With The Expert Matt Russon [https://www.thefinancialcall.com/podcasts/46] Connect with Capita Financial Network: * info@capitamail.com [info@capitamail.com] * tfc@capitamail.com [tfc@capitamail.com] * (801) 566-5058 * Capita Financial Network [https://www.capitafinancialnetwork.com/] * LinkedIn: Zaccary Call  [https://www.linkedin.com/in/zaccary-s-call-cfp%C2%AE-05145283/] * LinkedIn: Laura Hadley [https://www.linkedin.com/in/laura-wilcox-hadley-3615b6160/] * LinkedIn: Capita Financial Network [https://www.linkedin.com/company/capita-financial-network/] * Facebook: Capita Financial Network [https://www.facebook.com/Capita-Financial-Network-110707198019231]