Working With A Financial Advisor: Our Specific Process

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...

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...