The ProVest Perspective Podcast

Frauds and Scams

Noel Swain, CFP talks with Bill and Teresa of "Just Call Bill", a local senior adult technology company, about what kinds of scams are prevalent as well as how to avoid them.  

Short Take - Fiduciary Rule

Noel discusses how the Department of Labor Retirement Security Rule would require that all financial recommendations meet a fiduciary standard, whether made by professionals who hold security licenses or insurance and annuity licenses.  A fiduciary standard means that the money is managed for the best interest of the investor, rather than the financial professional.  

When Emotions Take Over

In this podcast, Noel goes into a discussion of the ‘fight or flight’ part of the brain……what it is, how we have used it in the past, how it can get us into trouble both in our personal lives and in our investing, and how we can modify our behavior for better results. 

Short Take - Is College Worth It?

With the increasing cost of college and the decreasing cost of the quality of education, the percentage of college attendees has been falling over recent years

Short Take - Long Term Investing vs. Short Term Investing

How human emotions can hinder investing for the long term

How to make your Retirement assets last a lifetime

The years leading up to retirement are about accumulating and saving assets. As the day nears, most discussions about retirement planning still focus on income, making sure your assets can fund the retirement you envision.  Once you’re retired, the conversation shifts. The focus moves to spending and cash flow – and how to make your assets last a lifetime.

The Pros and Cons of Phased Retirement

Phased Retirement is the process of retiring gradually, in stages, rather than all at once.  For many people, Phased Retirement makes a lot of sense, because it allows you to reduce your workload so you can pursue other interests, test the retirement waters to see whether or not you will enjoy life without a job, and ease the transition from full-time work and a full paycheck to full retirement and no paycheck. 

14 Interview questions to ask any advisor before hiring them

Not all financial advisors are created equal so it is important to make sure your goals and your financial advisors goals line up.  This podcast discusses 14 questions to ask any advisor that will help to assure you exactly what you’re getting in exchange for what you’re paying for, as well as ensuring that both yours and your Financial Advisor’s goals are in line.

5 Steps to a Written Retirement Plan

Statistically people aren’t saving enough for retirement.  A huge amount of people have some savings, but they don’t even know if they have enough.   This podcast discusses one of the most basic fundamental retirement planning topics, a Written Retirement Plan.  It details the…..5 Steps to a Written Retirement Plan.
 

5 Questions to answer before filing for Social Security

If you're like most Americans, Social Security benefits will make up a big chunk of the income you have to live off during retirement.  Unfortunately, far too many retirees simply claim Social Security ASAP without fully understanding the implications of this choice. Before you decide when to claim your benefits, you need to secure the answers to these 5 questions so you can make a strategic choice that gives you the best chance of getting the retirement income you need.