Podcasts

The Unintended Consequences of Social Security’s Survivor Benefits- Season 5: Episode 2
Managing Your Financial Future

The Unintended Consequences of Social Security’s Survivor Benefits- Season 5: Episode 2

March 9, 2021

You may have heard that Social Security provides a “survivor benefit,” which allows a surviving spouse to continue to receive their deceased spouse’s benefits. The original intention (back in 1940) was to ensure that widows would not be left without a Social Security payment. Today, though,  with many dual-working households (and thus two Social Security benefits), those same survivor benefit rules may actually cause the survivor to take a cut in benefits — in some cases, by nearly 50%. How is that possible? And, even more importantly,  how can you strategize to keep this from happening?
Are Stocks Risky? Interview with Michael Edesess- Season 1: Episode 6
Capitalize

Are Stocks Risky? Interview with Michael Edesess- Season 1: Episode 6

March 8, 2021

Does rebalancing one’s portfolio actually reduce risk?  Is there any value in benchmarking investments? Financial advisor Christopher Panagiotu, CFP®, CRPS®,  speaks with Michael Edesess, Chief Investment Strategist of Compendium Finance about the idea of rebalancing, and why it may not be everything that people in the financial services industry often say it is. They also discuss Michael’s views on buy-and-hold investing, passive investing, whether diversification makes sense these days, as well as his opinion on just how risky stocks actually are.
The 3 Biggest Risks Facing Your Portfolio Today- Season 5: Episode 1
Managing Your Financial Future

The 3 Biggest Risks Facing Your Portfolio Today- Season 5: Episode 1

March 2, 2021

It’s a fact that retirees in general dislike spending down their savings.  In today’s low interest rate environment, and given declining dividend yields, how should one remove money from a portfolio for income without damaging the portfolio’s integrity and longevity? There are several possible routes to take, and unfortunately, many people may be tempted to reach for yield with either low-quality bond purchases or stocks with higher dividend yields.  But doing so almost certainly will raise the risk within a portfolio without any guarantee of higher returns.
How much can you actually spend in retirement? Interview with Dr. Wade Pfau- Season 1: Episode 5
Capitalize

How much can you actually spend in retirement? Interview with Dr. Wade Pfau- Season 1: Episode 5

February 22, 2021

Do you really spend more in retirement as time goes on? What should your asset allocation look like before and after you retire? We continue our interview with Dr. Wade Pfau, Ph.D., CFA, RICP®, following up on our previous discussion. Today, host Chris Panagiotu,  CFP®, CRPS®, will speak with Dr. Pfau about the conventional planning  perspective regarding retirement spending, and whether or not retirees tend to spend more – or less – as they get older. The answer may surprise you. Find out more on Part Two of this edition of CAPitalize, a podcast for the intelligent investor!
How can you potentially increase your income in retirement? Interview with Dr. Wade Pfau- Season 1: Episode 4
Capitalize

How can you potentially increase your income in retirement? Interview with Dr. Wade Pfau- Season 1: Episode 4

February 8, 2021

Can you increase your retirement income AND your legacy for your heirs? Is it the right time to look into buying an annuity? On today’s podcast, Chris Panagiotu, CFP®, CRPS®, is joined by Dr. Wade Pfau, Ph.D., CFA, RICP®,  host of the Retirement Researcher Blog, monthly columnist for Advisor Perspectives, and all-around smart guy. Chris will get into the reasons why Dr. Pfau believes that bonds may not belong in a portfolio, and why right now may – or may not – be a good time to look into annuities.  Lots to talk about on Part One of our interview on this edition of CAPitalize, a podcast for the intelligent investor!
Is It Time to Re-Think the “4-Percent Rule?”- Season 4: Episode 12
Managing Your Financial Future

Is It Time to Re-Think the “4-Percent Rule?”- Season 4: Episode 12

February 8, 2021

It’s a fact that retirees in general dislike spending down their savings.  In today’s low interest rate environment, and given declining dividend yields, how should one remove money from a portfolio for income without damaging the portfolio’s integrity and longevity? There are several possible routes to take, and unfortunately, many people may be tempted to reach for yield with either low-quality bond purchases or stocks with higher dividend yields.  But doing so almost certainly will raise the risk within a portfolio without any guarantee of higher returns.
Creating Income When Interest Rates Are Low- Season 4: Episode 11
Managing Your Financial Future

Creating Income When Interest Rates Are Low- Season 4: Episode 11

February 2, 2021

It’s a fact that retirees in general dislike spending down their savings.  In today’s low interest rate environment, and given declining dividend yields, how should one remove money from a portfolio for income without damaging the portfolio’s integrity and longevity? There are several possible routes to take, and unfortunately, many people may be tempted to reach for yield with either low-quality bond purchases or stocks with higher dividend yields.  But doing so almost certainly will raise the risk within a portfolio without any guarantee of higher returns.
Is flexibility the key to a successful retirement? Interview with Dr. Michael Finke – Season 1: Episode 3
Capitalize

Is flexibility the key to a successful retirement? Interview with Dr. Michael Finke – Season 1: Episode 3

January 28, 2021

Are we in a risky time in the market?  What does the CAPE ratio mean and why is it valuable? Part 2 of our discussion with Dr. Michael Finke, Ph.D., CFP®, professor of wealth management and director of the Grantham Center for Financial Security. Host Chris Panagiotu, CFP®, CRPS®,  speaks with Dr. Finke about risk, and more specifically, why it’s important to know what risks you may be willing to take in your investments. Get more details on Part Two of this edition of CAPitalize, a podcast for the intelligent investor!
Can you take as much from your portfolio in retirement as you think? Interview with Dr. Michael Finke – Season 1: Episode 2
Capitalize

Can you take as much from your portfolio in retirement as you think? Interview with Dr. Michael Finke – Season 1: Episode 2

January 28, 2021

It was commonly thought at one time that you could confidently take 4% of your portfolio each year in retirement and you’d be okay. Is that still true today? And what about fixed income? Are you putting yourself at risk with bonds? Chris Panagiotu, CFP®, CRPS®, is joined on today’s podcast by Dr. Michael Finke, Ph.D., CFP®,  professor of wealth management and director of the Grantham Center for financial Security.  Chris and Dr. Finke have a lot to discuss, including today’s historically low bond yields, and why Dr. Finke believes that lower rates of return across the globe are likely to be the norm in the 21st Century. If that’s true, then where will we find a decent yield?  Find out on Part One of this edition of CAPitalize, a podcast for the intelligent investor!”
Are you doing the right thing to retire successfully? Interview with Dr. David Blanchett – Season 1: Episode 1
Capitalize

Are you doing the right thing to retire successfully? Interview with Dr. David Blanchett – Season 1: Episode 1

January 28, 2021

It was quite a ride in 2020. But regardless of where the markets are now, or have been, the financial goals for many people likely remain the same: enjoy retirement to the fullest, and don’t run out of money, before they run out of time. Of course, there are no guarantees that every one of your goals will be realized; life just doesn’t work that way. The key is to set yourself up so that the potential for success is there — and to enlist the help of someone who works toward making it happen. What are some of the most common mistakes people make in their financial portfolio?  If you have 10, 15 or more years to retirement, what are the steps YOU should take to strive to manage financial success? Dr. David Blanchett, CFP®,CFA® , and head of the retirement research division of Morningstar Investment Management, spoke recently with Lucia Capital Group advisor Chris Panagiotu, CFP® , CRPS® , about market strategies for 2021, maintaining focus on your goals, and how a financial advisor may add potential value to your overall retirement savings.