Protecting What You Care Most About

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...

A Smarter 401(k) Philosophy for Utility Employees

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] In this mini-episode, Steve explains why generic investment advice can fall short, especially for utility employees with cash balance pensions, profit-sharing plans, and other employer-sponsored benefits. He shares his philosophy of integrating every piece of your retirement puzzle rather than treating your 401(k) as a standalone account.  Here’s some of what we discuss in this episode: 🎯 Why Target Date Funds Miss the Mark 🏦 The Hidden Value of Your Cash Balance Pension 🧩 Connecting All the Pieces of Your Retirement Plan ⚡ How Utility Employees Should Think Differently About Investing 📈 Why "Right-Sizing" Your 401(k) Matters 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...

Is Your SCE 401(k) Working As Hard As You Are?

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] If you're a Southern California Edison employee, your retirement benefits may be more powerful- and more complicated- than you realize. Steve breaks down the different levels of 401(k) management, explains how the SCE cash balance pension works, and highlights common mistakes employees make when relying on default investment options. You'll learn why retirement planning goes far beyond choosing a target date fund and how coordinating your pension, investments, taxes, and retirement income strategy can make a significant difference in your long-term financial future. Here’s some of what we discuss in this episode: ⚡ Tier Zero: Why doing nothing is the biggest retirement mistake 📈 401(k) Tiers: DIY investing, robo advisors, and full financial planning 🎯 Target Date Funds: The benefits and limitations of default options 🏦 Cash Balance Pension: The overlooked benefit many Edison employees misunderstand 🔄 Coordination Matters: Connecting your pension, 401(k), taxes, and retirement income 🛡️ Common Objections: Time, fees, market recovery, and following coworker advice 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...

PG&E Employees: Your 401(k) Has Three Gears- Most of You Are Still in First

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] Most PG&E employees are only scratching the surface of what their retirement plan can actually do. In this episode, Steve breaks down the three “tiers” of the PG&E retirement system and discusses how more advanced planning strategies can create a very different retirement outcome. Tune in to hear the common mistakes employees make, and why waiting too long to get serious about retirement planning can become incredibly costly later in life. Here’s some of what we discuss in this episode: 📈 Robo Advisors: Better tools, limited planning 🚀 Full Engine: Customized retirement strategy matters 🏦 Cash Balance Plan: Often misunderstood and overlooked ⚠️ Late Planning: Catch-up gets expensive fast 🧠 Professional Guidance: Retirement gets more complex over time  Take The Quiz: https://powerhousevsl-q3f63yk6.manus.space/ [https://powerhousevsl-q3f63yk6.manus.space/] 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...

You Did the Hard Part. Here’s Why the Next Part Is Different

Send us Fan Mail [https://www.buzzsprout.com/2416928/fan_mail/new] 📱 Want expert help in planning for your financial future? Book your 401(k) Onboarding Meeting with Steve: https://calendly.com/steven-powerhouse-advisor/sce-employee-401k-retirement-meeting?month=2026-05 [https://calendly.com/steven-powerhouse-advisor/401-k-retirement-meeting-1-hour-clone?month=2024-12] ⚡ Get your no-cost Retirement Toolkit: https://keap.page/ngt919/toolkit.html [https://keap.page/ngt919/toolkit.html] You’ve spent decades doing the hard part, and if you’ve done it well, it’s natural to wonder… why change anything now? But retirement isn’t just a continuation of what you’ve already been doing. It’s a completely different phase with new risks, new decisions, and a lot more at stake. Steve unpacks why success during your working years doesn’t automatically translate into success in retirement, and what you need to think about before making that transition. Here’s some of what we discuss in this episode: 📩 DIY Success: Confidence built during working years 🔄 New Game: Saving vs. spending requires different skills 📉 Higher Stakes: Early losses can derail retirement 🧩 Complexity: Taxes, income, and healthcare all collide 🔓 Fear of Losing Control: Letting go doesn’t mean losing control 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...