Radio Show #39: The Advisor Advantage - Why Guidance Matters in Retirement

Radio Show #40: Prepared, Not Panicked: Navigating The Unexpected In Investing

Market downturns are inevitable, but panic doesn’t have to be. Today, Scott and Shawn talk about how to face the unexpected with preparation instead of fear. They unpack the idea of “Black Swan” events- rare shocks like the 2008 financial crisis or COVID- that no one sees coming but everyone feels. More importantly, they explain why the real danger isn’t the event itself, but how we react to it. You’ll hear how emotions can lead us off track, and the practical ways to stay grounded: building a bucket strategy for your money, diversifying wisely, and even turning downturns into opportunities through rebalancing or Roth conversions. Here’s some of what we discuss in this episode: 🦢 What “Black Swan” events are and why they matter 📉 Why emotions can magnify losses 🪣 The bucket strategy: safety, income, and growth 🌍 Diversification across assets, sectors, and geography 💡 Opportunities hidden inside downturns WAYS TO CONNECT: Book a 15-minute discovery call with the team here: https://calendly.com/rachel-bwg [https://calendly.com/rachel-bwg] Visit https://bulmanwealth.com/marcos-lemus [https://bulmanwealth.com/marcos-lemus/] to learn more about Marcos Lemus and the other members of the team. If you have any questions about what we discussed or anything else in your financial plan, email us at ask@bulmanwealth.com [ask@bulmanwealth.com]. You can also reach the team by phone at (916) 458-8199.

Radio Show #39: The Advisor Advantage - Why Guidance Matters in Retirement

Is working with a financial advisor really worth it? For many do-it-yourself investors, the idea of paying for advice can feel unnecessary until retirement approaches and the stakes get higher. In this episode, Scott and Shawn dive into the real value that an advisor can bring, drawing on industry research like Vanguard’s “Advisor Alpha” study and their own years of experience. Here’s some of what we discuss in this episode: 📈 The Vanguard study proving advisor value 🧠 How behavioral coaching prevents costly mistakes 💸 Smart tax moves like Roth conversions 🩺 Planning ahead for healthcare and long-term care ⏳ Saving time and reducing retirement stress WAYS TO CONNECT: Book a 15-minute discovery call with the team here: https://calendly.com/rachel-bwg [https://calendly.com/rachel-bwg] Visit https://bulmanwealth.com/marcos-lemus [https://bulmanwealth.com/marcos-lemus/] to learn more about Marcos Lemus and the other members of the team. If you have any questions about what we discussed or anything else in your financial plan, email us at ask@bulmanwealth.com [ask@bulmanwealth.com]. You can also reach the team by phone at (916) 458-8199.

Radio Show #38: Why Three Buckets Are Better Than One

When it comes to retirement planning, too many people think of their money as one big pile. That mindset creates stress, confusion, and unnecessary risk, especially when market volatility hits. In this episode, Chris and Shawn explain why the “three-bucket approach” offers clarity, security, and confidence for retirees and pre-retirees. Here’s some of what we discuss in this episode: 🪣 The three-bucket approach explained 🧠 Psychology matters: clarity reduces fear during volatility 📊 Where Roth conversions & legacy planning fit into the bucket strategy 💵 Ensuring consistent cash flow in retirement 📉 How to handle market downturns WAYS TO CONNECT: Book a 15-minute discovery call with the team here: https://calendly.com/rachel-bwg [https://calendly.com/rachel-bwg] Visit https://bulmanwealth.com/marcos-lemus [https://bulmanwealth.com/marcos-lemus/] to learn more about Marcos Lemus and the other members of the team. If you have any questions about what we discussed or anything else in your financial plan, email us at ask@bulmanwealth.com [ask@bulmanwealth.com]. You can also reach the team by phone at (916) 458-8199.

Radio Show #37: How Much Risk Is Too Much?

When markets swing wildly, many retirees are left wondering: Is my portfolio built for this? In this week’s show, Chris and Shawn break down the four essential questions retirees should be asking about their investment allocation. With humor (and plenty of coffee), they unpack why a long-held investment strategy might need adjusting as you age. When you're no longer saving, but withdrawing, the game changes, and your strategy should too. Here’s some of what we discuss in this episode: 📊 Should your investment mix change with age? 🧠 Managing emotion in volatile markets 🛡️ Buffer funds: Limiting losses without losing sleep 💸 How market dips create smart tax opportunities 🔢 The “three numbers” that could change your whole retirement plan WAYS TO CONNECT: Book a 15-minute discovery call with the team here: https://calendly.com/rachel-bwg [https://calendly.com/rachel-bwg] Visit https://bulmanwealth.com/marcos-lemus [https://bulmanwealth.com/marcos-lemus/] to learn more about Marcos Lemus and the other members of the team. If you have any questions about what we discussed or anything else in your financial plan, email us at ask@bulmanwealth.com [ask@bulmanwealth.com]. You can also reach the team by phone at (916) 458-8199.

Radio Show #36: Navigating RMDs in Retirement

For many nearing retirement, understanding RMDs is crucial for effective financial planning. But what exactly are RMDs, and why are they so important? RMDs might sound like just another tax rule, but mismanaging them could cost you thousands in penalties, unnecessary taxes, or missed planning opportunities.  On this week’s show, Chris and Shawn break down the ABCs of RMDs. You’ll learn when RMDs start, how they’re calculated, what happens if you delay, and why you can’t combine your spouse’s with your own, even if you file taxes jointly.  Here’s some of what we discuss in this episode: 📆 When RMDs start and why timing matters 💸 What happens if you forget to take one 📊 How to reinvest, redirect, or donate your RMDs 🏦 Rules for IRAs vs. 401(k)s (yes, they’re different!) ❤️ How QCDs can reduce taxes and support your favorite charities WAYS TO CONNECT: Book a 15-minute discovery call with the team here: https://calendly.com/rachel-bwg [https://calendly.com/rachel-bwg] Visit https://bulmanwealth.com/marcos-lemus [https://bulmanwealth.com/marcos-lemus/] to learn more about Marcos Lemus and the other members of the team. If you have any questions about what we discussed or anything else in your financial plan, email us at ask@bulmanwealth.com [ask@bulmanwealth.com]. You can also reach the team by phone at (916) 458-8199.