Trump Accounts: What You Need To Know | Episode 11

Trump Accounts: What You Need To Know | Episode 11

In this video I talk about the new accounts for your children, called the Trump Account. This account can be used to save for your children's future via the stock market. The Trump Account comes with different rules than a 529 or UTMA account, so making sure this account meets the goals you have for the money is important. For more information on Trump Accounts, go to https://trumpaccounts.gov/  ➡️ Book your free consultation to see how I may be able to help you work to get on track with your financial plan: https://kolinhayes.com/  ➡️ Join 85+ other readers who receive my free financial planning newsletter called "The Confident Planner" every other Friday: https://lp.constantcontactpages.com/sl/78ZGt78/ConfidentPlanner  The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes.  The purchase of certain securities may be required to effect some of the strategies.  Investing involves risks including possible loss of principal. No strategy assures success or protects against loss. Investing involves risks, including the loss of principal. Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Nodaway Valley Bank (NVB) and Nodaway Valley Investment Services™ (NVIS) are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using the name NVIS, and may also be employees of NVB. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, NVB or NVIS. Securities and insurance offered through LPL or its affiliates are: Not Insured by FDIC or Any Other Government Agency | Not Bank Guaranteed | Not Bank Deposits or Obligations | May Lose Value

5 Numbers You Need To Know Before You Retire | Episode 10

Retirement planning comes down to the numbers. Most people spend years and years saving for retirement but end up not knowing the key figures that actually determine whether they are ready to retire. Those key numbers can help bring you confidence and clarity to your retirement. This video covers the 5 numbers you need to know before you retire. Not when you retire, not after you retire, but BEFORE you retire.  ➡️ Book your free consultation to see how I may be able to help you work to get on track with your financial plan: https://kolinhayes.com/  ➡️ Join 85+ other readers who receive my free financial planning newsletter called "The Confident Planner" every other Friday: https://lp.constantcontactpages.com/sl/78ZGt78/ConfidentPlanner  The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. No strategy assures success or protects against loss. Investing involves risks, including the loss of principal. Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Nodaway Valley Bank (NVB) and Nodaway Valley Investment Services™ (NVIS) are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using the name NVIS, and may also be employees of NVB. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, NVB or NVIS. Securities and insurance offered through LPL or its affiliates are: Not Insured by FDIC or Any Other Government Agency | Not Bank Guaranteed | Not Bank Deposits or Obligations | May Lose Value

How Much Can YOU Spend In Retirement? | Episode 9

Retirement spending is not a one size fits all approach. There are many different things to think about when it comes to spending your portfolio down in retirement. How much guaranteed income do you have, what are your other income sources in retirement, what do you want retirement to look like, how much do you need to sustain your lifestyle and how much is in your portfolio. This video covers things to keep in mind when it comes to retirement spending. ➡️ Book your free consultation to see how I may be able to help you work to get on track with your financial plan: https://kolinhayes.com/  ➡️ Join 85+ other readers who receive my free financial planning newsletter called "The Confident Planner" every other Friday: https://lp.constantcontactpages.com/sl/78ZGt78/ConfidentPlanner  The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. No strategy assures success or protects against loss. Investing involves risks, including the loss of principal. Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Nodaway Valley Bank (NVB) and Nodaway Valley Investment Services™ (NVIS) are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using the name NVIS, and may also be employees of NVB. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, NVB or NVIS. Securities and insurance offered through LPL or its affiliates are: Not Insured by FDIC or Any Other Government Agency | Not Bank Guaranteed | Not Bank Deposits or Obligations | May Lose Value

If I were 10 years until retirement, I would want to get clear on these six things | Episode 8

In this video I talk about the important questions and decisions to focus on if I were 10 years until retirement. Retirement is one of the biggest decisions that occur in our lives, so you should take time to focus on many important details. When you are 10 years out from retirement, you can make some changes that can get you back working towards the right path or make decisions that can be detrimental to your retirement plan.  ➡️ Book your free consultation to see how I may be able to help you work to get on track with your financial plan: https://kolinhayes.com/  ➡️ Join 85+ other readers who receive my free financial planning newsletter called "The Confident Planner" every other Friday: https://lp.constantcontactpages.com/sl/78ZGt78/ConfidentPlanner  The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. No strategy assures success or protects against loss. Investing involves risks, including the loss of principal. Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Nodaway Valley Bank (NVB) and Nodaway Valley Investment Services™ (NVIS) are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using the name NVIS, and may also be employees of NVB. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, NVB or NVIS. Securities and insurance offered through LPL or its affiliates are: Not Insured by FDIC or Any Other Government Agency | Not Bank Guaranteed | Not Bank Deposits or Obligations | May Lose Value

Inherited IRAs: What You Need To Know (Spouse Beneficiary) | Episode 7

In this video I talk about inheriting a retirement account as a spouse beneficiary. These rules are different than a non-spouse beneficiary of a retirement account. I talk about the 3 options you have, whether that is rolling the money into your own retirement account, keeping it as an inherited IRA or withdrawing all the funds at once.  ➡️ Book your free consultation to see how I may be able to help you work to get on track with your financial plan: https://kolinhayes.com/  ➡️ Join 85+ other readers who receive my free financial planning newsletter called "The Confident Planner" every other Friday: https://lp.constantcontactpages.com/sl/78ZGt78/ConfidentPlanner  The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. No strategy assures success or protects against loss. Investing involves risks, including the loss of principal. Contributions to a traditional IRA may be tax deductible in the contribution year, with current income tax due at withdrawal.  Withdrawals prior to age 59 ½ may result in a 10% IRS penalty tax in addition to current income tax. A Roth IRA offers tax deferral on any earnings in the account. Qualified withdrawals of earnings from the account are tax-free. Withdrawals of earnings prior to age 59 ½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Limitations and restrictions may apply. Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Nodaway Valley Bank (NVB) and Nodaway Valley Investment Services™ (NVIS) are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using the name NVIS, and may also be employees of NVB. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, NVB or NVIS. Securities and insurance offered through LPL or its affiliates are: Not Insured by FDIC or Any Other Government Agency | Not Bank Guaranteed | Not Bank Deposits or Obligations | May Lose Value