Retire Confidently Podcast

Just Because You Can Change, Doesn't Mean You Will

Mon, 17 Jul 2023 03:00:00 -0600

Reasons People Don't Change:

Lack of motivation. People may not be motivated to change their financial behavior because they don't see the need for change. They may be comfortable with their current financial situation, or they may not believe that they can change their behavior.
Fear of failure. People may be afraid to change their financial behavior because they are afraid of failing. They may have tried to change their behavior in the past and failed, or they may have heard stories of other people who have failed to change their financial behavior.
Ambivalence. People may be ambivalent about changing their financial behavior. They may see the benefits of change, but they may also see the costs of change. For example, they may want to save more money, but they may also enjoy spending money on things that they don't need.
Habits. People's financial behavior is often habitual. They may have been spending money in a certain way for years, and it can be difficult to break those habits.
External factors. People's financial behavior can also be influenced by external factors, such as their income, their expenses, and their personal circumstances. These factors can make it difficult to change financial behavior, even if someone is motivated to do so.

Increase Your Chances of Success:

Set specific goals. People who want to change their financial behavior should set specific goals. For example, they might set a goal of saving a certain amount of money each month, or they might set a goal of paying off their debt within a certain period of time.
Make a plan. Once people have set their goals, they need to make a plan to achieve them. This plan should include specific steps that people need to take, and it should also include a timeline for achieving their goals.
Find support. People who are trying to change their financial behavior may find it helpful to find support from others. This could include talking to a financial advisor, joining a financial support group, or asking friends or family for help.
Be patient. Changing financial behavior takes time and effort. People should not expect to see results overnight. They should be patient and persistent, and they should not give up if they have a setback.

Changing financial behavior can be challenging, but it is possible.

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

Find out more about the Retire Confidently Program

Purchase The Secure Solution: Creating a High-Quality Retirement in a Low-Interest-Rate World

Telton W Hall, CFP® is a husband, father, retirement planning expert, small-town-boy at heart, nationally published author, sought-after speaker, former college basketball player, founder/owner/team member of Utah based Advanced Financial Planning LLC, hiking enthusiast, Jesus follower, business leader, team builder, and to the core Telton is an educator.

Tithing is All About Money OR Is It?

Mon, 10 Jul 2023 03:00:00 -0600

Here are some considerations about paying tithing during retirement:

· Your income sources. In retirement, your income may come from a variety of sources, including Social Security, pensions, retirement savings, and investments. You will need to decide how you want to tithe on these different sources. Some people choose to tithe on their gross income, while others tithe on their net income after taxes. You may also want to consider tithing on the earnings from your investments, even if you have not yet withdrawn them.

· Your financial situation. Your financial situation may also affect your decision about how much to tithe. If you are on a tight budget, you may need to adjust your tithing amount. However, if you are financially comfortable, you may want to consider increasing your tithing. Ultimately, the decision of how much to tithe is a personal one.

· Your beliefs. Your religious beliefs will also play a role in your decision about tithing. Some people believe that tithing is a biblical mandate, while others believe that it is a personal choice. If you believe that tithing is important, you may want to continue tithing in retirement even if your income is reduced.

Here are some additional tips for tithing in retirement:

· Talk to your financial advisor. Your financial advisor can help you determine how tithing will affect your retirement budget. They can also help you set up a tithing plan that fits your needs.

· Be flexible. Your financial situation may change over time, so you may need to adjust your tithing amount accordingly. Be prepared to make changes as needed.

· Don't forget the spiritual benefits. Tithing is not just about money. It is also about giving back to your community and supporting your faith. Don't forget the spiritual benefits of tithing when you are making your decision.

Ultimately, the decision of whether or not to tithe in retirement is a personal one. There is no right or wrong answer. However, by considering your income sources, your financial situation, and your religious beliefs, you can make a decision that is right for you.

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

How have you paid tithing up to this point?

Mon, 03 Jul 2023 03:00:00 -0600

Whether or not to tithe on retirement funds is a personal decision. There is no right or wrong answer, and it is important to do what feels right for you.

Some people believe that tithing is a way of showing gratitude to God for all that they have, including their retirement funds. They believe that by tithing, they are returning a portion of what God has given them.

Others believe that tithing should only be done on income that is earned while working. They believe that retirement funds are already a form of tithing, as they represent the fruits of one's labor over a lifetime.

Ultimately, the decision of whether or not to tithe on retirement funds is a personal one.

If you are considering tithing on retirement funds, there are a few things to keep in mind.

First, you will need to decide how much you want to tithe. There is no set amount, and it is up to you to decide what you feel comfortable with.

Second, you will need to decide how you want to tithe. You can tithe directly to your church, or you can tithe to a specific ministry or cause.

Third, you will need to decide how often you want to tithe. You can tithe once a month, once a quarter, or once a year.

Here are some additional things to consider when making your decision:

Your financial situation. If you are struggling financially, you may not be able to afford to tithe on your retirement funds. However, if you are financially stable, you may want to consider tithing a portion of your retirement funds.
Your faith beliefs. If you believe that tithing is important, you may want to tithe on your retirement funds, even if you are financially struggling.
Your church's policy. Some churches have a policy of requiring members to tithe on their retirement funds. If your church has such a policy, you will need to decide whether or not you want to tithe in accordance with the policy.

If you are still unsure about whether or not to tithe on your retirement funds, you may want to talk to your pastor or a financial advisor. They can help you to make the decision that is right for you.

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

Are you aware of this retirement option?

Mon, 26 Jun 2023 03:00:00 -0600

Life insurance that can be transferred to an annuity is called a life insurance annuity. It is a type of life insurance policy that allows the policyholder to convert a portion of the death benefit into an annuity. The annuity will then pay out a regular income stream to the policyholder during their lifetime.

There are two main types of life insurance annuities:

Immediate annuities start paying out income immediately, either as a lump sum or in regular payments.
Deferred annuities do not start paying out income until a later date, such as retirement.

Life insurance annuities can offer a number of benefits, including:

Tax-deferred growth: The cash value of a life insurance annuity grows tax-deferred, meaning that the policyholder does not have to pay taxes on the investment earnings until they start receiving income from the annuity.
Regular income stream: A life insurance annuity can provide a guaranteed income stream for the policyholder during their lifetime.
Death benefit: In the event of the policyholder's death, the death benefit will be paid out to the beneficiaries.

However, there are also some potential drawbacks to life insurance annuities, including:

High fees: Life insurance annuities can have high fees, which can eat into the investment earnings.
Surrender charges: If the policyholder surrenders the annuity early, they may have to pay surrender charges.
Complexities: Life insurance annuities can be complex, and it is important to carefully read the terms and conditions before purchasing one.

If you are considering a life insurance annuity, it is important to speak with a financial advisor to discuss your individual needs and circumstances.

Here are some of the factors to consider when deciding whether to transfer a life insurance policy to an annuity:

Your financial goals: What are your financial goals for retirement? Do you need a guaranteed income stream? Do you want to maximize your tax benefits?
Your age: If you are nearing retirement, you may want to consider converting your life insurance policy to an annuity to provide a guaranteed income stream.
Your health: If you are in good health, you may be able to get a higher annuity payout than if you are in poor health.
The fees: Be sure to compare the fees of different annuities before you make a decision.

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

Why are there so many different types of annuities?

Mon, 19 Jun 2023 03:00:00 -0600

This week we get a little nerdy. Who am I kidding. We get A LOT nerdy. We chat about fixed annuities vs. variable annuities.
Fixed indexed annuities

Offer a guaranteed minimum interest rate with the potential for additional growth based on the performance of a market index, such as the S&P 500.
Are less risky than variable annuities, but they also have the potential for lower returns.
Have surrender charges that may prevent you from accessing your money early.

Variable annuities

Invest your money in subaccounts that track different types of investments, such as stocks, bonds, and mutual funds.
Offer the potential for higher returns than fixed indexed annuities, but they also carry more risk.
Do not have surrender charges, so you can access your money at any time.

Guaranteed lifetime income

Both fixed indexed annuities and variable annuities can be used to provide guaranteed lifetime income. However, the specific features of these income options vary from product to product.

Fixed indexed annuities typically offer a lifetime income rider that guarantees a specified monthly income for life. The amount of the income is typically based on the amount of money you invest in the annuity and the interest rate that is credited to your account.
Variable annuities also offer lifetime income riders, but the amount of the income is not guaranteed. Instead, it is based on the performance of the subaccounts that your money is invested in.

It is important to compare the features of different indexed annuities and variable annuities before you decide which type of annuity is right for you. Consider your financial goals, risk tolerance, and time horizon when making your decision.

Here are some additional things to consider when comparing indexed annuities and variable annuities:

Fees: Annuities can have high fees, so it is important to compare the fees of different products before you buy.
Surrender charges: Some annuities have surrender charges that can prevent you from accessing your money early. These charges typically decrease over time, so it is important to understand the surrender schedule before you buy.
Death benefit: Some annuities offer a death benefit that will pay out a death benefit to your beneficiaries if you die before the annuity matures. Other annuities do not offer a death benefit.

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

Does the amount of your Social Security increase once you begin to withdraw?

Mon, 12 Jun 2023 03:00:00 -0600

No. AND. Yes.

No, your Social Security benefit will not go up once you begin to withdraw it. Your benefit is calculated based on your earnings history and your full retirement age. If you start taking benefits before your full retirement age, your benefit will be reduced. If you start taking benefits after your full retirement age, your benefit will be increased. However, your benefit will never go up after you start taking it.

For example, let's say you have a full retirement age of 66 and you earn an average
of $50,000 per year over your lifetime. If you start taking benefits at 62,
your benefit will be reduced by 30%. If you start taking benefits at 70, your
benefit will be increased by 32%. However, if you start taking benefits at 66,
your benefit will be the same no matter how long you take it.

Itis important to note that your Social Security benefit is not the only source
of income you will have in retirement. You may also have income from a pension,
savings, investments, or other sources. It is important to consider all of your
sources of income when planning for retirement.

Yes. Social Security benefits are adjusted for inflation each year. This is called a cost-of-living adjustment (COLA). The COLA is calculated based on the Consumer Price Index (CPI), which measures the prices of goods and services.

The COLA for 2023 is 8.7%. This means that Social Security benefits will increase
by 8.7% in January 2023. This is the largest COLA since 1982.

The COLA is important because it helps to ensure that Social Security benefits keep
pace with inflation. If benefits did not increase with inflation, they would
lose purchasing power over time. This would make it more difficult for retirees
to meet their basic needs.

The COLA is calculated using a formula that is set by law. The formula takes into
account the average change in the CPI between the third quarter of the previous
year and the third quarter of the current year.

The COLA is an important part of Social Security. It helps to ensure that benefits
keep pace with inflation and that retirees can maintain their standard of
living.

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

Assumed IRA vs Inherited IRA

Mon, 05 Jun 2023 03:00:00 -0600

An assumed IRA is an IRA that has been inherited by a spouse. The spouse can treat the IRA as their own, and they can continue to make contributions to the IRA. They will also have to take required minimum distributions (RMDs) starting at age 72.

An inherited IRA is an IRA that has been inherited by someone other than a spouse. The beneficiary of the IRA must take RMDs starting at the end of the year following the death of the account owner. The RMDs are calculated based on the beneficiary's life expectancy.

The main difference between an assumed IRA and an inherited IRA is that the spouse of the account owner can treat the IRA as their own, while other beneficiaries cannot. This means that the spouse of the account owner can continue to make contributions to the IRA and they will not have to take RMDs until they are 72. Other beneficiaries will have to take RMDs starting at the end of the year following the death of the account owner.

It is important to speak with a financial advisor to discuss the best options for your specific situation. Please reach out if you have any questions.

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

History Never Repeats Itself, but it Does Often Rhyme

Mon, 29 May 2023 03:00:00 -0600

I'm amazed that as I read my wife's journal about 12 years ago, how much is similar to today.

The economy is a complex system that is constantly changing. It is influenced by a variety of factors, including consumer spending, business investment, government spending, and global events. As a result, the economy goes through periods of expansion and contraction, which are known as economic cycles.

An economic cycle is a period of time during which the economy grows and then shrinks. The four stages of an economic cycle are:

Expansion: This is the period of time when the economy is growing. During expansion, businesses are investing and hiring, consumers are spending more money, and the unemployment rate is low.
Peak: This is the point at which the economy reaches its highest point of growth. At this point, businesses are producing as much as they can, and unemployment is at its lowest level.
Contraction: This is the period of time when the economy is shrinking. During contraction, businesses are cutting back on investment and hiring, consumers are spending less money, and the unemployment rate is rising.
Trough: This is the point at which the economy reaches its lowest point of growth. At this point, businesses are producing very little, and unemployment is at its highest level.

“The stock market is a device for transferring money from the impatient to the patient.” ~ Warren Buffet

“The best way to measure your investing success is not by whether you’re beating the market but by whether you’ve put in place a financial plan and a behavioral discipline that are likely to get you where you want to go. In the end, what matters isn’t crossing the finish line before anybody else but just making sure that you do cross it”
~ Benjamin Graham

“Waiting helps you as an investor and a lot of people just can't stand to wait. If you didn't get the deferred-gratification gene, you've got to work very hard to overcome that.” ~ Charlie Munger

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

What does a Bus Ride to Wyoming have to do with YOUR retirement?

Mon, 22 May 2023 03:00:00 -0600

An in-service 401(k) rollover is the transfer of your 401(k) assets from your current employer's plan to an IRA or another 401(k) plan while you are still employed. This is different from a traditional 401(k) rollover, which happens when you leave your job and take your 401(k) assets with you.

There are a few benefits to doing an in-service 401(k) rollover. First, it allows you to have more control over your investments. With a 401(k) plan, your employer typically chooses the investments that are available to you. With an IRA, you can choose from a wider variety of investments, including stocks, bonds, and mutual funds.

Second, an in-service 401(k) rollover can save you money on fees. 401(k) plans typically have higher fees than IRAs. By rolling your 401(k) assets into an IRA, you can save money on these fees.

Third, an in-service 401(k) rollover can give you access to more investment options. Some 401(k) plans only offer a limited number of investment options. By rolling your 401(k) assets into an IRA, you can access a wider variety of investment options.

Not all 401(k) plans allow in-service rollovers. If your plan does allow in-service rollovers, you will need to contact your plan administrator to find out how to do it.

In-service 401(k) rollovers can be a great way to save money on fees, have more control over your investments, and access a wider variety of investment options. If your 401(k) plan allows in-service rollovers, you should consider doing one.

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

Wait...Where are the boys?!

Mon, 15 May 2023 03:00:00 -0600

Heaven is often thought of as a place of eternal bliss, where people are free from pain and suffering. However, there is another way to think about heaven: as a state of being, rather than a place. This means heaven can be something that we can experience in this life.

There are many ways to experience heaven on earth. One way is to experience heaven is to help others. When we give of ourselves to others, we feel a sense of joy and fulfillment that comes from knowing that we are making a difference in the world.

Of course, there will always be challenges and difficulties in life. But even in the midst of these challenges, we can still experience heaven by focusing on the positive and finding joy in the simple things. When we do this, we can find peace and happiness in our everyday lives.

When we focus on the positive and find joy in the simple things, we can create a heaven on earth for ourselves and for others.

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

Do You Celebrate Success?

Mon, 08 May 2023 03:00:00 -0600

There are many ways to celebrate success. Here are a few ideas:

· Take some time for yourself. After working hard towards a goal, it's important to take some time to relax and recharge. This could mean taking a day off, going on vacation, or simply spending some time doing something you enjoy.

· Spend time with loved ones. Celebrating your success with the people you care about is a great way to feel supported and loved. This could mean going out to dinner, having a party, or simply spending some quality time together.

· Do something you've been wanting to do. When you achieve a goal, it's a great time to do something you've been wanting to do but haven't had the time for.

· Give back to others. One of the best ways to celebrate success is to give back to others. This could mean volunteering your time, donating to charity, or simply being kind to someone in need.

· Celebrate in your own way. There is no right or wrong way to celebrate success. The most important thing is to do something that makes you feel good. So get creative and have fun!

· Be specific about what you're celebrating. What did you achieve? Why is it important to you? Taking the time to reflect on your success will help you appreciate it even more.

· Be grateful for your support system. Chances are, you didn't achieve your success on your own. Take some time to thank the people who helped you along the way.

· Don't forget to enjoy the moment. It's easy to get caught up in the next goal or challenge. But it's important to take some time to enjoy your success. Soak it in and savor the moment!

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

What could go right?

Mon, 01 May 2023 03:00:00 -0600

Investing in oneself is a crucial aspect of personal development, growth, and success. Here are some ways you can invest in yourself:

Learning: Invest in your education by taking courses, attending workshops, and reading books to acquire new skills and knowledge. You can also enroll in online courses or pursue a degree program.
Health: Invest in your health by eating nutritious food, exercising regularly, and getting enough sleep. You can also consider investing in therapy or counseling to address any mental health concerns.
Networking: Invest in building relationships with people in your industry or community. Attend networking events, join professional organizations, and connect with others on social media platforms.
Personal development: Invest in your personal development by setting goals, practicing mindfulness, and cultivating a positive mindset. You can also seek out mentors or coaches to guide you along the way.
Financial stability: Invest in your financial stability by creating a budget, saving money, and investing in stocks or real estate. You can also consider seeking out financial advice from a professional.

Remember, investing in yourself takes time and effort, but the rewards are well worth it. By investing in yourself, you can improve your overall well-being and achieve your personal and professional goals.

Learn More about the Ortons

Get a copy of Knock for just $1 - Use Promo Code: TELTON

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

Failure is the Greatest Feedback

Mon, 24 Apr 2023 03:00:00 -0600

We work to plan our lives out, think we know how it will all end up. But what about when it doesn't. What next? For the Orton's it was a mini-retirement.

A MINI RETIREMENT?!

A mini-retirement is a temporary break from work or career responsibilities that typically lasts between six months and two years. Unlike a traditional retirement, a mini-retirement is intended to be a short-term break that allows individuals to step away from their current life and explore new opportunities, interests, and experiences.

During a mini-retirement, individuals may choose to travel, learn a new skill, volunteer, or pursue a personal project or passion that they have been putting off. The idea behind a mini-retirement is to take a step back from the daily grind of work and routine, and to focus on personal growth, self-discovery, and rejuvenation.

Many people choose to take a mini-retirement during their mid-career years, when they have established a solid financial foundation and are looking to recharge their batteries and gain a new perspective on life. A mini-retirement can also be a great option for those who are feeling burned out, stuck in a rut, or simply looking for a change of pace.

Overall, a mini-retirement is a unique opportunity to step out of the rat race, re-energize, and explore new opportunities, while still having the ability to return to one's career or work responsibilities at a later time.

Learn More about the Ortons

Get a copy of Knock for just $1 - Use Promo Code: TELTON

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

Parents are the Nucleus of the Family - Orton's Pt 1

Mon, 17 Apr 2023 03:00:00 -0600

Erik and Emily Orton went from broke to bootstrapping life aboard a sailboat in the Caribbean for a year with their five children. They are the authors of the New York Times Top 10 Travel Book Seven at Sea. They teach, write and speak about how to create unforgettable memories with your kids before they leave home. They coach moms and dads on how to live their best lives and inspire your kids to do the same. Family first doesn't mean mom and dad last.

Learn More about the Ortons

Get a copy of Knock for just $1 - Use Promo Code: TELTON

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

There's No Chicken in Chicken Fried Steak

Mon, 10 Apr 2023 03:00:00 -0600

Just because we repeat something over and over doesn't make it true. Similarly, just because someone believes something to be true, that also doesn't make it true.

Enter the confusion around the Personal Residence Exclusion.

If you meet certain conditions, you may exclude the first $250,000 of gain from the sale of your home from your income and avoid paying taxes on it. The exclusion is increased to $500,000 for a married couple filing jointly. There are also several exceptions to the exclusions as well. For example, a death in the family, losing your job and qualifying for unemployment, not being able to afford the house anymore because of a change in employment or marital status, a natural disaster that destroys your house, or you or your spouse have twins or another multiple birth.

But don't do something based on what your neighbor says, what you've heard, or what you think you might remember. Count on someone who works in this space, knows the ins and out, and can help you move forward confidently.

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

Rules of the Roth IRA

Mon, 03 Apr 2023 03:00:00 -0600

Eligibility: You can contribute to a Roth IRA if you have earned income and your modified adjusted gross income (MAGI) is within the limits set by the IRS. For 2022, the contribution limit is $6,000 for those under 50, and $7,000 for those 50 or older.
Tax Treatment: Contributions to a Roth IRA are made with after-tax dollars, meaning you don't get an immediate tax deduction. However, qualified withdrawals are tax-free.
Withdrawals: You can withdraw contributions at any time without penalty, but earnings can only be withdrawn tax-free if you're 59 1/2 or older, and the account has been open for at least five years. There are also exceptions for certain life events, such as disability or first-time home purchase.
Conversion: You can convert a traditional IRA or other eligible retirement plan to a Roth IRA, but you'll have to pay taxes on the amount converted.

It's important to note that Roth IRA rules and limits can change from year to year, so it's important to stay up to date with the latest information from the IRS - If you have any questions please make an appointment with me

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

The Saver's Tax Credit

Mon, 27 Mar 2023 03:00:00 -0600

The Saver's Tax Credit is referred to in IRS tax forms as the “Credit for Qualified Retirement Savings Contributions.” This non-refundable credit may be helpful if matched-savings plans, such as Individual Development Accounts (IDAs), are not available or when saving for retirement is a high priority.

The Saver's Credit is a great way for low- and moderate-income individuals or couples to save for retirement while also saving money on their taxes. The credit is worth a maximum of $1,000 ($2,000 if you file jointly) and there are three tiers of the credit.

Have your eyes glossed over?

Reach out to me and let me help you understand the "Savers Credit"

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

The First Rule of Daydreaming...

Mon, 20 Mar 2023 03:00:00 -0600

There are NO RULES!

Problems in your life could be solved by daydreaming

Problems in our society could be overcome by daydreaming

The first rule of daydreaming there are no rules.

So often what stands in your way is you. You don’t allow yourself to really consider that things COULD be possible. We talk ourselves out of something before we even allowed ourselves to see if the thing is even possible.

Daydream now about what you want your life to be and what you want your retirement to look like.

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

2022 was not a fun year, it was a growth year

Mon, 13 Mar 2023 03:00:00 -0600

Getting reflective about the year 2022. Markets were down. My father passed away. Many events will be touchstones for the rest of my life.

Life gives us the opportunity to get better, grow stronger, see new perspectives…but it doesn’t always mean that we want to do it. It similarly doesn’t mean that we aren’t afraid of it either.

If you are able to move forward in uncertainty your connections and relationships deepen because of the closeness that comes through dealing through the hard time.

ASSIGNMENT

Where are some areas that you have some pushback that you believe you will actually rise above it?

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

Why did you do that?!

Mon, 06 Mar 2023 03:00:00 -0700

Growing up in a small town I had my share of “learning experiences” One such experience came about when my friend “Bodie” said we drive to the nearby town to where the road is inclined and drive my Chrysler Plymouth of a “jump” – Luckily I lived to tell the tale of the Chrysler Plymouth

Where you are and what you need to retire creates vision. When you have an exact vision misunderstandings disappear – Clarity = Confidence

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

It's easy to make a misstep when it comes to taxes

Mon, 27 Feb 2023 03:00:00 -0700

Most of the benefits from the Tax Cuts and Jobs Act of 2017 will expire in 2025. What is your plan to take advantage of these benefits? Did your eyes just gloss over from not understanding what we are talking about?

It’s ok that you don’t understand every word and statute within TCJA – Where you start to get in to trouble is if you don’t understand how that will impact your retirement and money moving into the future.

It’s easy to make a wrong step in regards to your retirement and taxes.

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

The Tale of 3 Widows - Sometimes I wanna strangle life

Mon, 20 Feb 2023 03:00:00 -0700

What are you putting into place right now should your spouses life come to an end?

The "Difference-maker" is having a support network of people who can speak objectively into your life and have professional sense to what they are speaking to.

Having a professional(s) assist in your life planning does not mean that you are ignorant or somehow less than - it means you are wise enough to allow someone you trust into your life that can help you get the most from it. This is not just retirement - this is all

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

The Tale of 3 Widows - Permission to laugh

Mon, 13 Feb 2023 03:00:00 -0700

Loss of a loved one is hard. Add to that loss any sort of stress or catastrophe and loss and grief can be exacerbated to a near debilitating level. UNLESS. You can laugh. The emotional intelligence to be able to laugh one minute and cry the next is what is currently helping Telton and his mom through the loss of their dad/spouse.

At the passing of his dad - the question was not "What are we going to do?" the question was "What part of the already laid out process are we executing now?"

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

The Tale of 3 Widows - Families, Finances, and Funerals

Mon, 06 Feb 2023 03:00:00 -0700

Karen was divorced and then remarried to Dax. Her 2nd husbands kids were estranged but she felt like she needed to help keep the kids informed. NOT EASY. But the right thing to do. She stepped in where she felt she good and from the fruits of her stepping into her uncomfortability one son had a change of heart came back – allowing her to have the peace she wanted if Dax passed.

What she didn't have to worry about was if she was going to have enough money headed into retirement. Because she had walked out a Retire Confidently plan she was able to focus on some of the emotional and anticipated emotional needs.

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

Regrets, I've had a few

Mon, 30 Jan 2023 02:00:00 -0700

You open your mouth and say something to your kids that you immediately regret. Luckily, this story has a funny ending.

I don't live in regret, but I do look back at my life and wonder "Why didn't I do this or that differently?"

Some regrets are big ones others are just lessons I needed to experience in order to learn and grow.

Most of the clients I work with express some level of regret they have regarding retirement before we began working together (i.e. didn't start early enough / won't have enough by the time retire)

Don't live in regret. Live in confidence.

Find out more about the Retire Confidently Program

Purchase The Secure Solution: Creating a High-Quality Retirement in a Low-Interest-Rate World

Telton W Hall, CFP® is a husband, father, retirement planning expert, small-town-boy at heart, nationally published author, sought-after speaker, former college basketball player, founder/owner/team member of Utah based Advanced Financial Planning LLC, hiking enthusiast, Jesus follower, business leader, team builder, and to the core Telton is an educator.

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

Build a "Barf Free" Business/Neill Williams Pt. 2

Mon, 23 Jan 2023 03:00:00 -0700

“When you try to be everything to everyone, you accomplish being nothing to anyone.” — Bonnie Gillespie

Neill is a Master Certified Life Coach through The Life Coach School, specializing in Time, $$, and Business. She is the host of The Unbusy Your Life podcast (https://www.neillwilliams.com/podcast) and creator of the $10K in 10 Hours Mastermind. Only after ditching her own belief that success was measured by the number of hours worked was Neill able to achieve true lifestyle freedom while juggling her roles as a mom, wife, Master Certified Coach, entrepreneur and employee. Now she helps coaches build their side hustle coaching businesses in 10 hours a week.

Neill's Website

Neill's Podcast

Find out more about the Retire Confidently Program

Purchase The Secure Solution: Creating a High-Quality Retirement in a Low-Interest-Rate World

Telton W Hall, CFP® is a husband, father, retirement planning expert, small-town-boy at heart, nationally published author, sought-after speaker, former college basketball player, founder/owner/team member of Utah based Advanced Financial Planning LLC, hiking enthusiast, Jesus follower, business leader, team builder, and to the core Telton is an educator.

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

10 Hour Work Week/Neill Williams Pt 1

Mon, 16 Jan 2023 02:00:00 -0700

10 hours a week of work. Seems impossible. But what if it wasn't. What if you could work less hours but accomplish more than you do now?

It doesn't happen overnight. It isn't easy.

BUT

IT IS POSSIBLE!

Neill is a Master Certified Life Coach through The Life Coach School, specializing in Time, $$, and Business. She is the host of The Unbusy Your Life podcast (https://www.neillwilliams.com/podcast) and creator of the $10K in 10 Hours Mastermind. Only after ditching her own belief that success was measured by the number of hours worked was Neill able to achieve true lifestyle freedom while juggling her roles as a mom, wife, Master Certified Coach, entrepreneur and employee. Now she helps coaches build their side hustle coaching businesses in 10 hours a week.

Neill's Website

Neill's Podcast

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

I laugh now, but I wasn't laughing then

Mon, 09 Jan 2023 03:00:00 -0700

Here's another lesson from my dad

One of the hardest things to do is be vulnerable and not allow ourselves to be taken advantage of.

We want to be sincere and authentic.

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

The first step out of hopelessness

Mon, 02 Jan 2023 00:00:00 -0700

Retirement is possible. People do it every day. You will do it. In one way or another it will happen – the real question is:

What do you want it to look like?

Once you believe YOU CAN retire – the only question left is - What do you want it to look like?

Assigment: Write down 3-5 things that are hard for you to believe

Find out more about the Retire Confidently Program

Purchase The Secure Solution: Creating a High-Quality Retirement in a Low-Interest-Rate World

Telton W Hall, CFP® is a husband, father, retirement planning expert, small-town-boy at heart, nationally published author, sought-after speaker, former college basketball player, founder/owner/team member of Utah based Advanced Financial Planning LLC, hiking enthusiast, Jesus follower, business leader, team builder, and to the core Telton is an educator.

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

Its never enough – What’s the point?!

Mon, 26 Dec 2022 00:00:00 -0700

You aren’t alone. It doesn’t matter the financial level you are at – people feel all of these feelings. People who have felt like you have felt like you retire all the time. The important thing is to not give up there, stay there, and never learn to do anything different.

The best time to start funding your retirement was 20yrs ago. The second best time is today. Start today so that in 20 years you can look back at the smart decision you made. Any effort you make will be better than if you make no effort at all.

Find out more about the Retire Confidently Program

Purchase The Secure Solution: Creating a High-Quality Retirement in a Low-Interest-Rate World

Telton W Hall, CFP® is a husband, father, retirement planning expert, small-town-boy at heart, nationally published author, sought-after speaker, former college basketball player, founder/owner/team member of Utah based Advanced Financial Planning LLC, hiking enthusiast, Jesus follower, business leader, team builder, and to the core Telton is an educator.

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

Who is really invested in your success?

Mon, 19 Dec 2022 00:00:00 -0700

This weeks episode is a different kind of episode as I am mourning the loss of my dad.

I miss my dad and the lessons that he taught me. BUT. I love that his lessons continue to teach me (and in turn you) week after week as we share those lessons here on the podcast.

We can busy, doing the right things, but if its not focused – we might be doing the RIGHT work in the wrong place or in the wrong time.

Are you working with and for those whom are invested in your success?

Find out more about the Retire Confidently Program

Purchase The Secure Solution: Creating a High-Quality Retirement in a Low-Interest-Rate World

Telton W Hall, CFP® is a husband, father, retirement planning expert, small-town-boy at heart, nationally published author, sought-after speaker, former college basketball player, founder/owner/team member of Utah based Advanced Financial Planning LLC, hiking enthusiast, Jesus follower, business leader, team builder, and to the core Telton is an educator.

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

A roadmap to early retirement

Mon, 12 Dec 2022 02:00:00 -0700

Looking at your social security, your pension, an annuity, retirement incomes is it possible to have retirement to come to you sooner than you thought?

It’s important to have a professional in your corner so you don’t make a mistake that could cost you thousands of dollars, or worse, mean that you have to return to the workplace after retiring.

***SPOILER***

YOU CAN RETIRE WHEN AND HOW YOU WANT - IF YOU PLAN FOR IT

Find out more about the Retire Confidently Program

Purchase The Secure Solution: Creating a High-Quality Retirement in a Low-Interest-Rate World

Telton W Hall, CFP® is a husband, father, retirement planning expert, small-town-boy at heart, nationally published author, sought-after speaker, former college basketball player, founder/owner/team member of Utah based Advanced Financial Planning LLC, hiking enthusiast, Jesus follower, business leader, team builder, and to the core Telton is an educator.

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

The plague of Victim Mentality

Mon, 05 Dec 2022 02:00:00 -0700

Is there another alternative to your current mindset?

The opposite of being a victim is being a creator. Can you take ownership of everything that is going on in your life? Say – Like your retirement?

Find out more about the Retire Confidently Program

Purchase The Secure Solution: Creating a High-Quality Retirement in a Low-Interest-Rate World

Telton W Hall, CFP® is a husband, father, retirement planning expert, small-town-boy at heart, nationally published author, sought-after speaker, former college basketball player, founder/owner/team member of Utah based Advanced Financial Planning LLC, hiking enthusiast, Jesus follower, business leader, team builder, and to the core Telton is an educator.

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

I've seen a lot of messes and successes in 35 years/Matt Eschler Pt 2

Mon, 28 Nov 2022 05:00:00 -0700

Matt lives in St. George, Utah where he and his wife Chris are enjoying their life with each other. Since their kids have grown and moved out perusing their dreams Matt and Chris travel the world. They want to visit 200 countries before the are done. Matt and Chris are active in their community and enjoy working out, training for marathons, and spending time participating in numerous activities with their adult children. Matt has received his Ph.D. in Psychology. He is focused on the arena of resolving personal conflicts and improving interpersonal relationships. In addition to his Doctorate Degree Matt has earned a Masters in Marriage and Family Therapy, studied Criminal Justice, and received a category I licensure with Peace Officer Standard of Training along with a degree in the Arts of Business Management. Matt spends his time counseling with high conflict couples & personality disorders. Matt has taught numerous students as a professor at Dixie State University and hopes to be part of the positive growth of Southern Utah.

Find out more about the Retire Confidently Program

Purchase The Secure Solution: Creating a High-Quality Retirement in a Low-Interest-Rate World

Telton W Hall, CFP® is a husband, father, retirement planning expert, small-town-boy at heart, nationally published author, sought-after speaker, former college basketball player, founder/owner/team member of Utah based Advanced Financial Planning LLC, hiking enthusiast, Jesus follower, business leader, team builder, and to the core Telton is an educator.

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

How does money intersect with Marriage/Matt Eschler Pt 1

Mon, 21 Nov 2022 05:00:00 -0700

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

The Tale of Two Options

Mon, 14 Nov 2022 00:00:00 -0700

When it comes to Social Security - there are many approaches.

If you are a small business should you become an S-Corp or make a W-2 Wage that you can put a higher percentage into a SEP IRA?

Did any of that make sense or have your eyes glossed over? Let me explain it to you, walk along side you and teach you what you need to Retire Confidently.

Find out more about the Retire Confidently Program

Purchase The Secure Solution: Creating a High-Quality Retirement in a Low-Interest-Rate World

Telton W Hall, CFP® is a husband, father, retirement planning expert, small-town-boy at heart, nationally published author, sought-after speaker, former college basketball player, founder/owner/team member of Utah based Advanced Financial Planning LLC, hiking enthusiast, Jesus follower, business leader, team builder, and to the core Telton is an educator.

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

Why all the hate for Annuities?

Mon, 07 Nov 2022 00:00:00 -0700

There is a time and a place for all things. Even annuities.

You want a Financial Planner that teaches you ALL the options and lets YOU make the decision.

Let us walk alongside you, teach you all the options, and help you make the BEST decisions for you.

Find out more about the Retire Confidently Program

Purchase The Secure Solution: Creating a High-Quality Retirement in a Low-Interest-Rate World

Telton W Hall, CFP® is a husband, father, retirement planning expert, small-town-boy at heart, nationally published author, sought-after speaker, former college basketball player, founder/owner/team member of Utah based Advanced Financial Planning LLC, hiking enthusiast, Jesus follower, business leader, team builder, and to the core Telton is an educator.

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

You are more astute than you realize!

Mon, 31 Oct 2022 00:00:00 -0600

I have engaged in THOUSANDS of successful retirement planning sessions with real-life everyday people just like you.

I’ve walked with these wonderful people through the Financial Meltdown of 2008.
We’ve navigated together the Greek Debt Crisis, 2010 Flash Crash, China Trade Wars, COVID Debacle, Crazy Inflation, Russia Attacking Ukraine, Recessions, Inflation, and a thousand ups and downs along the way.

We’ve celebrated their families’ graduations, weddings, life-long-wish-list purchases, home up-sizes, home down-sizes, and amazing travel. We’ve mourned together their families health, relationships, and financial challenges.

And through it all, these wonderful folks are achieving their Secure Retirement Goals - Through the Retire Confidently program.

What can I do in your life that will cause YOU to call me in the future and tell me thank you?

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

Are your finances in order?

Mon, 24 Oct 2022 00:00:00 -0600

If someone asked you that question - What would you say?

We want to help people be able to answer that question with a resounding YES!

Don't let money troubles or even simple questions hold you back from what you were meant or called to do.

Find out more about the Retire Confidently Program

Purchase The Secure Solution: Creating a High-Quality Retirement in a Low-Interest-Rate World

Telton W Hall, CFP® is a husband, father, retirement planning expert, small-town-boy at heart, nationally published author, sought-after speaker, former college basketball player, founder/owner/team member of Utah based Advanced Financial Planning LLC, hiking enthusiast, Jesus follower, business leader, team builder, and to the core Telton is an educator.

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

I've never felt so alive!

Mon, 17 Oct 2022 00:00:00 -0600

This week I decided I would issue you a challenge.

The Challenge: Do something today that you enjoy and let yourself enjoy it. Take the extra moments you need to recognize how great that particular task or moment is. Let yourself do it until you can say “I’ve never felt so alive”

Find out more about the Retire Confidently Program

Purchase The Secure Solution: Creating a High-Quality Retirement in a Low-Interest-Rate World

Telton W Hall, CFP® is a husband, father, retirement planning expert, small-town-boy at heart, nationally published author, sought-after speaker, former college basketball player, founder/owner/team member of Utah based Advanced Financial Planning LLC, hiking enthusiast, Jesus follower, business leader, team builder, and to the core Telton is an educator.

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

How can I have more net income in retirement?

Mon, 10 Oct 2022 00:00:00 -0600

What is the difference between a ROTH IRA and a Traditional IRA?
Do I qualify for a back door ROTH?
Do I even want to do a back door ROTH?

So many questions about retirement - How can I be sure I have enough net income to even HAVE a retirement?

Purchase The Secure Solution: Creating a High-Quality Retirement in a Low-Interest-Rate World

Telton W Hall, CFP® is a husband, father, retirement planning expert, small-town-boy at heart, nationally published author, sought-after speaker, former college basketball player, founder/owner/team member of Utah based Advanced Financial Planning LLC, hiking enthusiast, Jesus follower, business leader, team builder, and to the core Telton is an educator.

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

The tale of the Crummy Rich Guy

Mon, 03 Oct 2022 00:00:00 -0600

No one gets married to get to divorced. Much of the divorce process is confusing and hard to understand. Even fewer people understand what type of Social Security benefits you can get when you retire AND far less know that you can lay claim to some of your Ex-Spouses Social Security benefits.
But how do you know if you qualify? When do you claim them and what things might you do that would disqualify for being eligible.

Purchase The Secure Solution: Creating a High-Quality Retirement in a Low-Interest-Rate World

Telton W Hall, CFP® is a husband, father, retirement planning expert, small-town-boy at heart, nationally published author, sought-after speaker, former college basketball player, founder/owner/team member of Utah based Advanced Financial Planning LLC, hiking enthusiast, Jesus follower, business leader, team builder, and to the core Telton is an educator.

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

What a "mini-mess" I have created

Mon, 26 Sep 2022 00:00:00 -0600

Recording a podcast can be difficult. Normally the difficult thing is preparing what I am going to say that will make a difference in your life to make it worth your time to listen.
Other times it becomes challenging to be a podcaster when other aspects of my business are really taking a lot of focus or my family needs me to be more present - so even making the time to record becomes difficult.

What should not be difficult - remembering to put the memory card in my recording device so that it ACTUALLY records...yet...here we are.

What can we learn from my mini-mess?

Purchase The Secure Solution: Creating a High-Quality Retirement in a Low-Interest-Rate World

Telton W Hall, CFP® is a husband, father, retirement planning expert, small-town-boy at heart, nationally published author, sought-after speaker, former college basketball player, founder/owner/team member of Utah based Advanced Financial Planning LLC, hiking enthusiast, Jesus follower, business leader, team builder, and to the core Telton is an educator.

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

You're in a Rip!

Mon, 19 Sep 2022 00:00:00 -0600

Most of my episodes I like to tell you a story and then tell you what I have learned from that story. I decided to do it a little different this week. I decided to tell you the story and let YOU take the lesson away from it.
I feel like there is more than one application or lesson that could be learned BUT I want to hear from you and what you learned. DM us on Facebook or Instagram and share the lessons you took from this "Gnarly" story.

Purchase The Secure Solution: Creating a High-Quality Retirement in a Low-Interest-Rate World

Telton W Hall, CFP® is a husband, father, retirement planning expert, small-town-boy at heart, nationally published author, sought-after speaker, former college basketball player, founder/owner/team member of Utah based Advanced Financial Planning LLC, hiking enthusiast, Jesus follower, business leader, team builder, and to the core Telton is an educator.

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

Down-size or Right-size?

Mon, 12 Sep 2022 00:00:00 -0600

Everyone has a vision of what their specific retirement should look like. It's different from others because you are different, your experiences are different, and your expectations are different. But retirement isn't something you just fall into, you have to make choices. Choices for you that will literally change your future life.

Purchase The Secure Solution: Creating a High-Quality Retirement in a Low-Interest-Rate World

Telton W Hall, CFP® is a husband, father, retirement planning expert, small-town-boy at heart, nationally published author, sought-after speaker, former college basketball player, founder/owner/team member of Utah based Advanced Financial Planning LLC, hiking enthusiast, Jesus follower, business leader, team builder, and to the core Telton is an educator.

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

Trust to go forward

Mon, 05 Sep 2022 00:00:00 -0600

Step 1 Trust if the economy is still there you need to be invested

Step 2 Trust in Strategy - In good times and bad times

Step 3 Trust (Have confidence) to invest in those strategies

Purchase The Secure Solution: Creating a High-Quality Retirement in a Low-Interest-Rate World

Telton W Hall, CFP® is a husband, father, retirement planning expert, small-town-boy at heart, nationally published author, sought-after speaker, former college basketball player, founder/owner/team member of Utah based Advanced Financial Planning LLC, hiking enthusiast, Jesus follower, business leader, team builder, and to the core Telton is an educator.

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

Let US take care of ourselves

Mon, 29 Aug 2022 00:00:00 -0600

The story of a widow that wants to help out her children financially. Telton is helping her with surviving spouse planning.
She wants to give money to her kids to help them out but financially it may not be smart for her retirement. Will she have enough?

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

Change your mind - Change your life

Mon, 22 Aug 2022 00:00:00 -0600

The story: John and Sue and battling negativity with a transformation of the mind.

Question: How can we move from a place of negativity to one of a positive mindset?

In our culture we have a lot of negativism. Sue didn't like her living arrangements and decided she needed a transformation of the mind to look at the positive.

What happens next MAY surprise you.

Purchase The Secure Solution: Creating a High-Quality Retirement in a Low-Interest-Rate World

Telton W Hall, CFP® is a husband, father, retirement planning expert, small-town-boy at heart, nationally published author, sought-after speaker, former college basketball player, founder/owner/team member of Utah based Advanced Financial Planning LLC, hiking enthusiast, Jesus follower, business leader, team builder, and to the core Telton is an educator.

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

Compare and You'll Despair / Coach Claudine Pt.2

Mon, 15 Aug 2022 00:00:00 -0600

Telton continues the discussion with Claudine Sweeney or "Coach Claudine." Claudine shares how she helps empty nesters discover themselves and how the second half of life can be the best half. Claudine invites listeners to download her 5 Power Thoughts to Retire Confidently.

Go to claudinesweeney.com/telton

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

Stuck in your stucked-ness / Coach Claudine Pt.1

Mon, 08 Aug 2022 00:00:00 -0600

Telton hosts Claudine Sweeney or "Coach Claudine." They discuss the power of thoughts and how to think ON PURPOSE.

Claudine is a master life coach and can be reached at claudinesweeney.com.

Purchase The Secure Solution: Creating a High-Quality Retirement in a Low-Interest-Rate World

Telton W Hall, CFP® is a husband, father, retirement planning expert, small-town-boy at heart, nationally published author, sought-after speaker, former college basketball player, founder/owner/team member of Utah based Advanced Financial Planning LLC, hiking enthusiast, Jesus follower, business leader, team builder, and to the core Telton is an educator.

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

Are you and your investments durable?

Mon, 01 Aug 2022 02:00:00 -0600

There will be ups, there will be downs, there will be times where we question what we have done that brought us to where we are.

BUT

Do you have the durability personally and financially to push through the hard times?

Purchase The Secure Solution: Creating a High-Quality Retirement in a Low-Interest-Rate World

Telton W Hall, CFP® is a husband, father, retirement planning expert, small-town-boy at heart, nationally published author, sought-after speaker, former college basketball player, founder/owner/team member of Utah based Advanced Financial Planning LLC, hiking enthusiast, Jesus follower, business leader, team builder, and to the core Telton is an educator.

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

Making Decsions out of fear

Mon, 25 Jul 2022 04:00:00 -0600

How much like Saul are you?

The market is down. Sometimes the best decision we can make is to stick to our decisions even when it seems scary, even when we are afraid. Looking at the market now as an opportunity rather than a curse, can help you see where you are, what you want and where you are going.

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

Picture Perfect Retirement: Tomato Worms

Mon, 18 Jul 2022 03:00:00 -0600

Retirement is the time you get to dedicate to things that take a lil more time.

Like gardening.

Helpful Hint: Black lights help you find Tomato worms at night

Delicious Dish: Dilly Beans

Get specific with your retirement so you can enjoy those “Dilly Beans” and be able to go “Tomato Worm” hunting.

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

Wait for it…Patience

Mon, 11 Jul 2022 00:00:00 -0600

It is easier to find men who will volunteer to die, than to find those who are willing to endure pain with patience. ~Julius Caesar

Things are rough on the market right now – It’s important to remember the Long Term Strategy when there are these moments of down time. Patience pays off.

“It never was my thinking that made the big money for me. It always was my sitting. Got that? My sitting tight! It is no trick at all to be right on the market. You always find lots of early bulls in bull markets and early bears in bear markets. I've known many men who were right at exactly the right time, and began buying or selling stocks when prices were at the very level which should show the greatest profit. And their experience invariably matched mine--that is, they made no real money out of it. Men who can both be right and sit tight are uncommon.” ~Edwin LeFevre

Purchase The Secure Solution: Creating a High-Quality Retirement in a Low-Interest-Rate World

Telton W Hall, CFP® is a husband, father, retirement planning expert, small-town-boy at heart, nationally published author, sought-after speaker, former college basketball player, founder/owner/team member of Utah based Advanced Financial Planning LLC, hiking enthusiast, Jesus follower, business leader, team builder, and to the core Telton is an educator.

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

Try it again with a different attitude

Mon, 04 Jul 2022 00:00:00 -0600

“Insanity is doing the same thing over and over and expecting different results.”

But

What if we do the same action with a different attitude or perspective, can we expect different results?

I say YES.

Purchase The Secure Solution: Creating a High-Quality Retirement in a Low-Interest-Rate World

Telton W Hall, CFP® is a husband, father, retirement planning expert, small-town-boy at heart, nationally published author, sought-after speaker, former college basketball player, founder/owner/team member of Utah based Advanced Financial Planning LLC, hiking enthusiast, Jesus follower, business leader, team builder, and to the core Telton is an educator.

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

How do you get to where you want to be when you don't know where you are right now? Maybe you can retire earlier than you thought. Maybe you need to work a couple more years to better your retiring position.

You won't know how to get to "There" if you don't where your "Here" is.

Purchase The Secure Solution: Creating a High-Quality Retirement in a Low-Interest-Rate World

Telton W Hall, CFP® is a husband, father, retirement planning expert, small-town-boy at heart, nationally published author, sought-after speaker, former college basketball player, founder/owner/team member of Utah based Advanced Financial Planning LLC, hiking enthusiast, Jesus follower, business leader, team builder, and to the core Telton is an educator.

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

One "Spicy" Retirement Conversation

Mon, 20 Jun 2022 02:00:00 -0600

Financial retirement conversations begin long before retirement.

What do you want retirement to look like?
How do you want to spend your time?

Is what YOU envision retirement the same thing that your SPOUSE wants?
Many conversations in our offices are settled with mathematics rather than with emotions.

Look at the facts and figures and see if what you want is possible and take the steps to make those things happen.

Purchase The Secure Solution: Creating a High-Quality Retirement in a Low-Interest-Rate World

Telton W Hall, CFP® is a husband, father, retirement planning expert, small-town-boy at heart, nationally published author, sought-after speaker, former college basketball player, founder/owner/team member of Utah based Advanced Financial Planning LLC, hiking enthusiast, Jesus follower, business leader, team builder, and to the core Telton is an educator.

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

Keep your head in the game

Mon, 13 Jun 2022 02:00:00 -0600

Keep your head on straight. Remember that things are down now - but that they won't always be. The markets are tough right now, but they go up and down all the time.

Hopefully this episode gives you some perspective to let you know we've been here before, we are here now, and we will be here again in the future. When we use strong principles, work with those who know what we don't know, and make long term choices we will find ourselves in a better position to retire confidently.

Purchase The Secure Solution: Creating a High-Quality Retirement in a Low-Interest-Rate World

Telton W Hall, CFP® is a husband, father, retirement planning expert, small-town-boy at heart, nationally published author, sought-after speaker, former college basketball player, founder/owner/team member of Utah based Advanced Financial Planning LLC, hiking enthusiast, Jesus follower, business leader, team builder, and to the core Telton is an educator.

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

Dr. Paul Jenkins Pt. 2

Mon, 06 Jun 2022 02:00:00 -0600

You’ve heard it over and over again, “Just think positive!” But how is it done? You’ve also heard that happiness is a choice. Is that really true? As a professional psychologist, I’ve had the honor of learning much from my clients and colleagues about how positivity works, and how it impacts every aspect of life. I’ve been able to identify a simple model which explains two processes in our mind – evaluation and creation. These two processes determine our level of positivity. In short, I show you how positivity works and why.

Purchase The Secure Solution: Creating a High-Quality Retirement in a Low-Interest-Rate World

FREE Portable Positivity Mini-Book

Telton W Hall, CFP® is a husband, father, retirement planning expert, small-town-boy at heart, nationally published author, sought-after speaker, former college basketball player, founder/owner/team member of Utah based Advanced Financial Planning LLC, hiking enthusiast, Jesus follower, business leader, team builder, and to the core Telton is an educator.

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

Dr. Paul Jenkins Pt. 1

Mon, 30 May 2022 02:00:00 -0600

You’ve heard it over and over again, “Just think positive!” But how is it done? You’ve also heard that happiness is a choice. Is that really true? As a professional psychologist, I’ve had the honor of learning much from my clients and colleagues about how positivity works, and how it impacts every aspect of life. I’ve been able to identify a simple model which explains two processes in our mind – evaluation and creation. These two processes determine our level of positivity. In short, I show you how positivity works and why.

Purchase The Secure Solution: Creating a High-Quality Retirement in a Low-Interest-Rate World

Telton W Hall, CFP® is a husband, father, retirement planning expert, small-town-boy at heart, nationally published author, sought-after speaker, former college basketball player, founder/owner/team member of Utah based Advanced Financial Planning LLC, hiking enthusiast, Jesus follower, business leader, team builder, and to the core Telton is an educator.

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

No one regrets the ROTH IRA

Mon, 23 May 2022 03:00:00 -0600

Story: A couple going through the Retire Confidently program

Question: In what scenarios would a ROTH IRA benefit me?

Listen for exact details.

Purchase The Secure Solution: Creating a High-Quality Retirement in a Low-Interest-Rate World

Telton W Hall, CFP® is a husband, father, retirement planning expert, small-town-boy at heart, nationally published author, sought-after speaker, former college basketball player, founder/owner/team member of Utah based Advanced Financial Planning LLC, hiking enthusiast, Jesus follower, business leader, team builder, and to the core Telton is an educator.

Kaden is native to the Southern Utah area and enjoys spending time with friends and family in the outdoors. Aside from being obsessed with numbers and his love for working with people, helping educate others in a unique and simplified way is one of the biggest joys he gets from his career.

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

Spread the Love

Mon, 16 May 2022 03:00:00 -0600

Story: Big Bird/Lil Bird and the T-Bird

Question: How do I "spread the love" of my pension to my partner after I pass?

Purchase The Secure Solution: Creating a High-Quality Retirement in a Low-Interest-Rate World

Telton W Hall, CFP® is a husband, father, retirement planning expert, small-town-boy at heart, nationally published author, sought-after speaker, former college basketball player, founder/owner/team member of Utah based Advanced Financial Planning LLC, hiking enthusiast, Jesus follower, business leader, team builder, and to the core Telton is an educator.

Kaden is native to the Southern Utah area and enjoys spending time with friends and family in the outdoors. Aside from being obsessed with numbers and his love for working with people, helping educate others in a unique and simplified way is one of the biggest joys he gets from his career.

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

What is your core money value?

Mon, 09 May 2022 03:00:00 -0600

Story: Rob and Sue and Sue's Early Age Reduction

Question: Is it worth it to wait to retire to avoid Early Age Reduction on my pension?

Purchase The Secure Solution: Creating a High-Quality Retirement in a Low-Interest-Rate World

Telton W Hall, CFP® is a husband, father, retirement planning expert, small-town-boy at heart, nationally published author, sought-after speaker, former college basketball player, founder/owner/team member of Utah based Advanced Financial Planning LLC, hiking enthusiast, Jesus follower, business leader, team builder, and to the core Telton is an educator.

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

I have a PhD and I can't figure out retirement

Mon, 02 May 2022 03:00:00 -0600

Story: The quotable quotes of Judy and it's ok for retirement to be a little messy.

Question: Will retirement go exactly as I have planned?

Purchase The Secure Solution: Creating a High-Quality Retirement in a Low-Interest-Rate World

Telton W Hall, CFP® is a husband, father, retirement planning expert, small-town-boy at heart, nationally published author, sought-after speaker, former college basketball player, founder/owner/team member of Utah based Advanced Financial Planning LLC, hiking enthusiast, Jesus follower, business leader, team builder, and to the core Telton is an educator.

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

I don't wanna nag about "The Agg"

Mon, 25 Apr 2022 03:00:00 -0600

Story: Why you need to know about "The Agg"

Question: Should you put more money into bonds as you get closer to retirement?

Purchase The Secure Solution: Creating a High-Quality Retirement in a Low-Interest-Rate World

Telton W Hall, CFP® is a husband, father, retirement planning expert, small-town-boy at heart, nationally published author, sought-after speaker, former college basketball player, founder/owner/team member of Utah based Advanced Financial Planning LLC, hiking enthusiast, Jesus follower, business leader, team builder, and to the core Telton is an educator.

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

The role of trust

Mon, 18 Apr 2022 02:00:00 -0600

Story: The ways in which trust plays a role in retirement planning

Question: How to tell if your retirement plan is trustworthy?

Purchase The Secure Solution: Creating a High-Quality Retirement in a Low-Interest-Rate World

Telton W Hall, CFP® is a husband, father, retirement planning expert, small-town-boy at heart, nationally published author, sought-after speaker, former college basketball player, founder/owner/team member of Utah based Advanced Financial Planning LLC, hiking enthusiast, Jesus follower, business leader, team builder, and to the core Telton is an educator.

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

Oh, Everyone's feeling this way

Mon, 11 Apr 2022 02:00:00 -0600

Story: A financially successful client shares feelings of fear and inadequacy before proper retirement planning

Question: What do you need to do gain clarity and confidence in your retirement plan?

Purchase The Secure Solution: Creating a High-Quality Retirement in a Low-Interest-Rate World

Telton W Hall, CFP® is a husband, father, retirement planning expert, small-town-boy at heart, nationally published author, sought-after speaker, former college basketball player, founder/owner/team member of Utah based Advanced Financial Planning LLC, hiking enthusiast, Jesus follower, business leader, team builder, and to the core Telton is an educator.

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

The Tale of 2 Construction Workers

Mon, 04 Apr 2022 02:00:00 -0600

Story: 2 construction workers have different tools in their tool belts

Question: Do you have the right tools and core beliefs to reach your goals?

Purchase The Secure Solution: Creating a High-Quality Retirement in a Low-Interest-Rate World

Telton W Hall, CFP® is a husband, father, retirement planning expert, small-town-boy at heart, nationally published author, sought-after speaker, former college basketball player, founder/owner/team member of Utah based Advanced Financial Planning LLC, hiking enthusiast, Jesus follower, business leader, team builder, and to the core Telton is an educator.

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

The tale of 2 retirees

Mon, 28 Mar 2022 02:00:00 -0600

Story: 2 retired couples go on distinctly different adventures, both meeting their goals

Questions: What are your retirement goals? How can you gain the clarity and confidence in your financial situation to meet those goals?

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

Partial pension possibilities

Mon, 21 Mar 2022 02:00:00 -0600

Story: Pensions from the past contribute to retirement

Questions: Do you have a pension from a previous employer? How is it best utilized in your retirement plan?

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

The confidence to make a change

Mon, 14 Mar 2022 02:00:00 -0600

Story: John takes a leap of faith and switches careers

Questions: What are your beliefs around your current situation or your ability to change? How can beliefs help with life's transitions and gaining the confidence needed to make a change?

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

Money stories from my daughter

Mon, 07 Mar 2022 02:00:00 -0700

Story: Telton interviews his 16-year-old daughter, Anna Hall, about her earliest memories of and ongoing relationship with money.

Question: What are your beliefs around money? Are they helping or hurting you?

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

PLSO’s: “Well that’s a no brainer “

Mon, 28 Feb 2022 02:00:00 -0700

Story: Sherry learns about PLSO’s

Question: Do you fully understand Partial Lump Sum Options and are they right for you?

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

June and the Terrible, Horrible, No Good, Very Bad Scammer

Mon, 21 Feb 2022 02:00:00 -0700

Story: June - the loving, trusting victim

Question: Who do you have in your live to help make sure that all of your expenses/purchases/financial transactions are legitimate?

Purchase The Secure Solution: Creating a High-Quality Retirement in a Low-Interest-Rate World

Telton W Hall, CFP® is a husband, father, retirement planning expert, small-town-boy at heart, nationally published author, sought-after speaker, former college basketball player, founder/owner/team member of Utah based Advanced Financial Planning LLC, hiking enthusiast, Jesus follower, business leader, team builder, and to the core Telton is an educator.

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

Sometimes a change is as good as a rest

Mon, 14 Feb 2022 06:00:00 -0700

Story: Telton and his dad digging post holes

Question: When do you need a rest and when do you need a change?

Purchase The Secure Solution: Creating a High-Quality Retirement in a Low-Interest-Rate World

Telton W Hall, CFP® is a husband, father, retirement planning expert, small-town-boy at heart, nationally published author, sought-after speaker, former college basketball player, founder/owner/team member of Utah based Advanced Financial Planning LLC, hiking enthusiast, Jesus follower, business leader, team builder, and to the core Telton is an educator.

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

Don't underestimate the power of trying something new

Mon, 07 Feb 2022 04:00:00 -0700

Story: William

Question: What the ?! (Listen for the explanation)

Purchase The Secure Solution: Creating a High-Quality Retirement in a Low-Interest-Rate World

Telton W Hall, CFP® is a husband, father, retirement planning expert, small-town-boy at heart, nationally published author, sought-after speaker, former college basketball player, founder/owner/team member of Utah based Advanced Financial Planning LLC, hiking enthusiast, Jesus follower, business leader, team builder, and to the core Telton is an educator.

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

Retire without being retired

Mon, 31 Jan 2022 06:00:00 -0700

Story: Mike and Sarah Miller

Question: What is YOUR monthly amount when YOU retire?

Purchase The Secure Solution: Creating a High-Quality Retirement in a Low-Interest-Rate World

Telton W Hall, CFP® is a husband, father, retirement planning expert, small-town-boy at heart, nationally published author, sought-after speaker, former college basketball player, founder/owner/team member of Utah based Advanced Financial Planning LLC, hiking enthusiast, Jesus follower, business leader, team builder, and to the core Telton is an educator.

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

"I got this - I don't even care"

Mon, 24 Jan 2022 06:00:00 -0700

Story: Linda and her aging mother

Question: What do you do when life doesn't turn out the way that you thought it would?

Purchase The Secure Solution: Creating a High-Quality Retirement in a Low-Interest-Rate World

Telton W Hall, CFP® is a husband, father, retirement planning expert, small-town-boy at heart, nationally published author, sought-after speaker, former college basketball player, founder/owner/team member of Utah based Advanced Financial Planning LLC, hiking enthusiast, Jesus follower, business leader, team builder, and to the core Telton is an educator.

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

"More is coming in than going out"

Mon, 24 Jan 2022 05:00:00 -0700

Story: Dave and Lucille and the Titanic of 2008-2009

Question: What do you say about the future when you are trapped in the trauma of the present and the recent past?

Purchase The Secure Solution: Creating a High-Quality Retirement in a Low-Interest-Rate World

Telton W Hall, CFP® is a husband, father, retirement planning expert, small-town-boy at heart, nationally published author, sought-after speaker, former college basketball player, founder/owner/team member of Utah based Advanced Financial Planning LLC, hiking enthusiast, Jesus follower, business leader, team builder, and to the core Telton is an educator.

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

Put your retirement fear to rest

Thu, 13 Jan 2022 17:00:00 -0700

How can you retire confidently?

In a sea of questions - what are the answers for YOUR confident retirement?

How do you measure up compared to others?

Story: The Jones' would like to retire but worry about healthcare/pension/social security.

Question: What do they need to do to step confidently toward retirement?

Listen to find out.

Purchase The Secure Solution: Creating a High-Quality Retirement in a Low-Interest-Rate World

Telton W Hall, CFP® is a husband, father, retirement planning expert, small-town-boy at heart, nationally published author, sought-after speaker, former college basketball player, founder/owner/team member of Utah based Advanced Financial Planning LLC, hiking enthusiast, Jesus follower, business leader, team builder, and to the core Telton is an educator.

Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you?

Retire Confidently Podcast

Just Because You Can Change, Doesn't Mean You Will

Tithing is All About Money OR Is It?

How have you paid tithing up to this point?

Are you aware of this retirement option?

Why are there so many different types of annuities?

Does the amount of your Social Security increase once you begin to withdraw?

Assumed IRA vs Inherited IRA

History Never Repeats Itself, but it Does Often Rhyme

What does a Bus Ride to Wyoming have to do with YOUR retirement?

Wait...Where are the boys?!

Do You Celebrate Success?

What could go right?

Failure is the Greatest Feedback

Parents are the Nucleus of the Family - Orton's Pt 1

There's No Chicken in Chicken Fried Steak

Rules of the Roth IRA

The Saver's Tax Credit

The First Rule of Daydreaming...

2022 was not a fun year, it was a growth year

Why did you do that?!

It's easy to make a misstep when it comes to taxes

The Tale of 3 Widows - Sometimes I wanna strangle life

The Tale of 3 Widows - Permission to laugh

The Tale of 3 Widows - Families, Finances, and Funerals

Regrets, I've had a few

Build a "Barf Free" Business/Neill Williams Pt. 2

“When you try to be everything to everyone, you accomplish being nothing to anyone.” — Bonnie Gillespie

10 Hour Work Week/Neill Williams Pt 1

I laugh now, but I wasn't laughing then

The first step out of hopelessness

Its never enough – What’s the point?!

Who is really invested in your success?

A roadmap to early retirement

The plague of Victim Mentality

I've seen a lot of messes and successes in 35 years/Matt Eschler Pt 2

How does money intersect with Marriage/Matt Eschler Pt 1

The Tale of Two Options

Why all the hate for Annuities?

You are more astute than you realize!

Are your finances in order?

I've never felt so alive!

How can I have more net income in retirement?

The tale of the Crummy Rich Guy

What a "mini-mess" I have created

You're in a Rip!

Down-size or Right-size?

Trust to go forward

Let US take care of ourselves

Change your mind - Change your life

Compare and You'll Despair / Coach Claudine Pt.2

Stuck in your stucked-ness / Coach Claudine Pt.1

Are you and your investments durable?

Making Decsions out of fear

Picture Perfect Retirement: Tomato Worms

Wait for it…Patience

Try it again with a different attitude

You are HERE

One "Spicy" Retirement Conversation

Keep your head in the game

Dr. Paul Jenkins Pt. 2

Dr. Paul Jenkins Pt. 1

No one regrets the ROTH IRA

Spread the Love

What is your core money value?

I have a PhD and I can't figure out retirement

I don't wanna nag about "The Agg"

The role of trust

Oh, Everyone's feeling this way

The Tale of 2 Construction Workers

The tale of 2 retirees

Partial pension possibilities

The confidence to make a change

Money stories from my daughter

PLSO’s: “Well that’s a no brainer “

June and the Terrible, Horrible, No Good, Very Bad Scammer

Sometimes a change is as good as a rest

Don't underestimate the power of trying something new

Retire without being retired

"I got this - I don't even care"