Tue, 26 May 2026 05:05:17 -0400 https://www.buzzsprout.com/2589687 en-us © 2026 The Heart of Your Money yes db8dfbc2-6a65-5778-9fe5-e9f2aafce1fb Joe Yocavitch episodic false Welcome to "The Heart of Your Money," your trusted podcast for financial and retirement planning guidance. Join Joe Yocavitch and his son Michael Yocavitch from JML Financial as they delve into essential topics to help you achieve solid financial health and successful retirement planning.

For over three decades, the JML Financial team has been empowering families in Cherry Hill and the surrounding communities to retire with confidence. In each episode, Joe and Michael explore crucial financial concepts and provide actionable advice to help you avoid common mistakes as you approach and navigate through retirement.

Got questions? Reach out to us at 856-336-6599 or email jyocavitch@brokersifs.com. Visit us online at jmlfinancialgroup.com for more resources and information

]]> Buzzsprout (https://www.buzzsprout.com) Joe Yocavitch https://storage.buzzsprout.com/e3ptuhd6t9xhcr8vuilvcpr8nmnd?.jpg What Women Need to Know
This episode explores the critical aspects of estate planning and financial management for women inheriting wealth, emphasizing the importance of holistic planning, beneficiary updates, and emotional support during life transitions.

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This episode explores the critical aspects of estate planning and financial management for women inheriting wealth, emphasizing the importance of holistic planning, beneficiary updates, and emotional support during life transitions.

]]> Joe Yocavitch Buzzsprout-18957941 Tue, 26 May 2026 05:00:00 -0400 816 full false 401K Hardships
In this episode of 'The Heart of Your Money', Joe Yocavitch discusses the increasing trend of hardship withdrawals from 401k accounts and the implications of debt on financial wellness. The conversation highlights the importance of saving for retirement while managing debt effectively. Joe and his son Michael introduce the 'Debt to Capital' program, which aims to help clients pay down debt more efficiently and build a tax-free financial future. The episode also touches on the challenges of balancing family support with personal financial health, emphasizing the need for strategic financial planning.

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In this episode of 'The Heart of Your Money', Joe Yocavitch discusses the increasing trend of hardship withdrawals from 401k accounts and the implications of debt on financial wellness. The conversation highlights the importance of saving for retirement while managing debt effectively. Joe and his son Michael introduce the 'Debt to Capital' program, which aims to help clients pay down debt more efficiently and build a tax-free financial future. The episode also touches on the challenges of balancing family support with personal financial health, emphasizing the need for strategic financial planning.

]]> Joe Yocavitch Buzzsprout-18914148 Tue, 12 May 2026 05:00:00 -0400 1031 full false The "Tax Time Bomb" That Could Be Waiting For You
In this conversation, Joe Yocavitch discusses the critical aspects of retirement planning, emphasizing the importance of understanding tax implications, the need for a comprehensive financial plan, and strategies to navigate market volatility. He highlights the significance of embracing retirement as a new beginning and the necessity of building trust and transparency in financial planning to ensure a fulfilling retirement experience.

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In this conversation, Joe Yocavitch discusses the critical aspects of retirement planning, emphasizing the importance of understanding tax implications, the need for a comprehensive financial plan, and strategies to navigate market volatility. He highlights the significance of embracing retirement as a new beginning and the necessity of building trust and transparency in financial planning to ensure a fulfilling retirement experience.

]]> Joe Yocavitch Buzzsprout-18914066 Tue, 28 Apr 2026 05:00:00 -0400 960 full false What Can Be Done About Debt
This episode covers essential financial planning topics including savings rates, debt management, long-term care, and investment strategies. Joe Yocavitch shares practical insights on protecting your wealth, planning for longevity, and making informed decisions to secure your financial future.

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This episode covers essential financial planning topics including savings rates, debt management, long-term care, and investment strategies. Joe Yocavitch shares practical insights on protecting your wealth, planning for longevity, and making informed decisions to secure your financial future.

]]> Joe Yocavitch Buzzsprout-18875950 Tue, 14 Apr 2026 05:00:00 -0400 804 full false Could Elon Musk Be Right About Retirement
In this conversation, Joe Yokavitch discusses the implications of AI on retirement savings, the importance of human connection in financial planning, and strategies for navigating market uncertainty. He emphasizes the need for proactive income planning and legacy considerations as individuals approach retirement, while also addressing the role of annuities and tax strategies in ensuring financial security.

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In this conversation, Joe Yokavitch discusses the implications of AI on retirement savings, the importance of human connection in financial planning, and strategies for navigating market uncertainty. He emphasizes the need for proactive income planning and legacy considerations as individuals approach retirement, while also addressing the role of annuities and tax strategies in ensuring financial security.

]]> Joe Yocavitch Buzzsprout-18761683 Tue, 31 Mar 2026 05:00:00 -0400 957 full false Income Versus Wealth: Where's the Focus for Retirement
In this conversation, Joe Yocavitch discusses the critical distinctions between income and wealth as individuals approach retirement. He emphasizes the importance of having a financial master plan to navigate the complexities of retirement, including managing taxes and healthcare costs. Personal anecdotes illustrate the impact of financial decisions on families, highlighting the need for informed planning. The discussion also covers tax strategies, particularly the benefits of backdoor Roth IRAs, and the importance of investment strategies that ensure security in retirement.

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In this conversation, Joe Yocavitch discusses the critical distinctions between income and wealth as individuals approach retirement. He emphasizes the importance of having a financial master plan to navigate the complexities of retirement, including managing taxes and healthcare costs. Personal anecdotes illustrate the impact of financial decisions on families, highlighting the need for informed planning. The discussion also covers tax strategies, particularly the benefits of backdoor Roth IRAs, and the importance of investment strategies that ensure security in retirement.

]]> Joe Yocavitch Buzzsprout-18665426 Tue, 17 Mar 2026 05:00:00 -0400 1014 full false Is a 60/40 Portfolio the Way Forward for Retirement
In this conversation, Joe Yocavitch discusses the evolving landscape of investment strategies, particularly challenging the traditional 60-40 portfolio model. He emphasizes the importance of active management and adapting to market trends using technology and AI. The discussion also covers retirement planning, the benefits of Roth IRAs, and strategies for tax efficiency, highlighting the need for a comprehensive plan to navigate financial challenges effectively.

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In this conversation, Joe Yocavitch discusses the evolving landscape of investment strategies, particularly challenging the traditional 60-40 portfolio model. He emphasizes the importance of active management and adapting to market trends using technology and AI. The discussion also covers retirement planning, the benefits of Roth IRAs, and strategies for tax efficiency, highlighting the need for a comprehensive plan to navigate financial challenges effectively.

]]> Joe Yocavitch Buzzsprout-18665337 Tue, 03 Mar 2026 05:00:00 -0500 1087 full false Retirement Mistakes You Don't Want to Make
In this episode, Joe Yacovitch discusses common mistakes people make when preparing for retirement, emphasizing the importance of understanding tax implications, planning for income, and considering inflation. He highlights the need for a diversified approach to retirement savings, including tax-deferred, tax-deductible, and tax-free buckets. Joe also stresses the significance of having a solid game plan to navigate the complexities of retirement planning, especially in light of rising costs and potential changes in tax laws.

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In this episode, Joe Yacovitch discusses common mistakes people make when preparing for retirement, emphasizing the importance of understanding tax implications, planning for income, and considering inflation. He highlights the need for a diversified approach to retirement savings, including tax-deferred, tax-deductible, and tax-free buckets. Joe also stresses the significance of having a solid game plan to navigate the complexities of retirement planning, especially in light of rising costs and potential changes in tax laws.

]]> Joe Yocavitch Buzzsprout-18665156 Wed, 11 Feb 2026 14:00:00 -0500 738 full false