The Crystal Clear Finances Podcast
Master Your Mortgage

Master Your Mortgage

August 5, 2022

On this weeks episode Crystal is talking, how to Master Your Mortgage. We need to position our money to be used multiple ways and let our money work harder than us!  What are some small tweaks we can make financially in the way we are thinking that can make a huge difference?

 

You can have Confidence for every financial decision!

It’s time your finances are Crystal Clear! Call us today at (518) 433-7181 and schedule your free initial consultation.

Take Advantage of Opportunities

Take Advantage of Opportunities

July 22, 2022

Listen Today as Crystal takes us along on the journey of all different types of opportunities we can take advantage of when it comes to our money. What do we need to do to position ourselves so our money is being saved or invested in a way that keeps up with inflation? Our most valuable dollars are the dollars you have today! So ask yourself again,  how can we take advantage of opportunities today??

You can have Confidence for every financial decision!

It’s time your finances are Crystal Clear! Call us today at (518) 433-7181 and schedule your free initial consultation.

 

 

 

“This is a hypothetical example provided for illustrative purposes only; it does not represent a real life scenario, and should not be construed as advice designed to meet the particular needs of an individuals situation.  This example should not be construed as a recommendation to buy or sell any financial vehicle. The earnings rates and values shown are not guaranteed. Actual earnings rates and values will be greater or less and will likely fluctuate over time. You should not rely on this presentation for any indication of the investment performance of any financial product.  Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product or any non-investment related content, made reference to directly or indirectly in this presentation will be profitable, be suitable for your portfolio or individual situation, or prove successful.  Investing involves risk, including the potential loss of principal.  Past performance is no guarantee of future results. Required Minimum Distributions (RMDs) are required only if your contract is comprised of "qualified" funds -- for example, if it is an IRA. Any RMDs shown in this example were calculated based on the Minimum Distribution Withdrawal Factors prescribed by the IRS, beginning at age 70.5. Please note that under the new SECURE Act, the age at which you have to take required minimum distributions (RMDs) from your retirement plan has been increased from age 70.5 to 72 (unless you turned age 70.5 in 2019 or earlier).”
Respond not React

Respond not React

July 22, 2022

Too many people react instead of first thinking, about their response's before they react. We need to RESPOND not REACT when the market doesn't go the way we had planned. On Today's episode Crystal is talking about Policy Loan Expenses, Policy Loan Opportunities, and a plan for repositioning after a rebound!

 

You can have Confidence for every financial decision!

It’s time your finances are Crystal Clear! Call us today at (518) 433-7181 and schedule your free initial consultation.

 

 

 

“This is a hypothetical example provided for illustrative purposes only; it does not represent a real life scenario, and should not be construed as advice designed to meet the particular needs of an individuals situation.  This example should not be construed as a recommendation to buy or sell any financial vehicle. The earnings rates and values shown are not guaranteed. Actual earnings rates and values will be greater or less and will likely fluctuate over time. You should not rely on this presentation for any indication of the investment performance of any financial product.  Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product or any non-investment related content, made reference to directly or indirectly in this presentation will be profitable, be suitable for your portfolio or individual situation, or prove successful.  Investing involves risk, including the potential loss of principal.  Past performance is no guarantee of future results. Required Minimum Distributions (RMDs) are required only if your contract is comprised of "qualified" funds -- for example, if it is an IRA. Any RMDs shown in this example were calculated based on the Minimum Distribution Withdrawal Factors prescribed by the IRS, beginning at age 70.5. Please note that under the new SECURE Act, the age at which you have to take required minimum distributions (RMDs) from your retirement plan has been increased from age 70.5 to 72 (unless you turned age 70.5 in 2019 or earlier).”
Average vs Actual

Average vs Actual

July 8, 2022

This entire month we are talking about 5 ways how to RESPOND to the Market not REACT. Although the stock market has provided a positive return over its lifetime, it is critical to understand the actual annual return. Basing a withdrawal plan on the average rate of return can cause retirees to run out of resources before running out of retirement. Thus the title for today's episode Average vs Actual. Tune in now! 

“This is a hypothetical example provided for illustrative purposes only; it does not represent a real life scenario, and should not be construed as advice designed to meet the particular needs of an individuals situation.  This example should not be construed as a recommendation to buy or sell any financial vehicle. The earnings rates and values shown are not guaranteed. Actual earnings rates and values will be greater or less and will likely fluctuate over time. You should not rely on this presentation for any indication of the investment performance of any financial product.  Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product or any non-investment related content, made reference to directly or indirectly in this presentation will be profitable, be suitable for your portfolio or individual situation, or prove successful.  Investing involves risk, including the potential loss of principal.  Past performance is no guarantee of future results. Required Minimum Distributions (RMDs) are required only if your contract is comprised of "qualified" funds -- for example, if it is an IRA. Any RMDs shown in this example were calculated based on the Minimum Distribution Withdrawal Factors prescribed by the IRS, beginning at age 70.5. Please note that under the new SECURE Act, the age at which you have to take required minimum distributions (RMDs) from your retirement plan has been increased from age 70.5 to 72 (unless you turned age 70.5 in 2019 or earlier).”

You can have Confidence for every financial decision!

It’s time your finances are Crystal Clear! Call us today at (518) 433-7181 and schedule your free initial consultation.

Evaluation Before Modification

Evaluation Before Modification

July 1, 2022

This entire month we are talking about 5 ways how to RESPOND to the Market not REACT. When we get tired we get sloppy. If we put the steps in place before we get tired we can make sure you are making proper decisions when it comes to your Finances. Let us first begin at Evaluation before Modification...

“This is a hypothetical example provided for illustrative purposes only; it does not represent a real life scenario, and should not be construed as advice designed to meet the particular needs of an individuals situation.  This example should not be construed as a recommendation to buy or sell any financial vehicle. The earnings rates and values shown are not guaranteed. Actual earnings rates and values will be greater or less and will likely fluctuate over time. You should not rely on this presentation for any indication of the investment performance of any financial product.  Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product or any non-investment related content, made reference to directly or indirectly in this presentation will be profitable, be suitable for your portfolio or individual situation, or prove successful.  Investing involves risk, including the potential loss of principal.  Past performance is no guarantee of future results. Required Minimum Distributions (RMDs) are required only if your contract is comprised of "qualified" funds -- for example, if it is an IRA. Any RMDs shown in this example were calculated based on the Minimum Distribution Withdrawal Factors prescribed by the IRS, beginning at age 70.5. Please note that under the new SECURE Act, the age at which you have to take required minimum distributions (RMDs) from your retirement plan has been increased from age 70.5 to 72 (unless you turned age 70.5 in 2019 or earlier).”

You can have Confidence for every financial decision!

It’s time your finances are Crystal Clear! Call us today at (518) 433-7181 and schedule your free initial consultation.

Retirement Tax Planning Strategies IV

Retirement Tax Planning Strategies IV

June 24, 2022

This whole month we have talked about Tax Planning Strategies! Join us in the last episode talking about Roth Conversions and what the benefits are.

*Hint hint - the benefits to a Roth Conversion, the withdrawals are tax free!

You can have Confidence for every financial decision!

It’s time your finances are Crystal Clear! Call us today at (518) 433-7181 and schedule your free initial consultation.

Retirement Tax Planning Strategies part III

Retirement Tax Planning Strategies part III

June 16, 2022

Listen today for part III of Retirement Tax Planning Strategies! On this episode Crystal is talking about Roth IRA conversions.  Before she jumps right in she takes a moment to explain the difference between and IRA and a Roth IRA and lends some strategies you can use to grow your money inside your account.

You can have Confidence for every financial decision!

It’s time your finances are Crystal Clear! Call us today at (518) 433-7181 and schedule your free initial consultation.

Retirement Tax Planning Strategies Part II

Retirement Tax Planning Strategies Part II

June 14, 2022

Tune in today for Part II of Retirement Tax Planning Strategies! Prevent penalties and bad decisions that can be avoided with proper planning. Learn how life insurance can benefit you... Join us right where we left off last week, changes in taxes... 

You can have Confidence for every financial decision!

It’s time your finances are Crystal Clear! Call us today at (518) 433-7181 and schedule your free initial consultation.

Five Retirement Tax Planning Strategies

Five Retirement Tax Planning Strategies

June 14, 2022

Today we focus on Five Retirement Tax Planning Strategies:

  1. The Secure Act
  2. Roth Conversions
  3. Life insurance
  4. Charitable Tax Planning
  5.  Required Minimum Distributions otherwise known as RMD's

You can have Confidence for every financial decision!

It’s time your finances are Crystal Clear! Call us today at (518) 433-7181 and schedule your free initial consultation.

Taboo Topics

Taboo Topics

May 27, 2022

Talking topics that Advisors normally don't like to talk about! Taboo Topics! Crypto, Accredited Investors, ESG funds that were stripped of their title(s)...

You can have Confidence for every financial decision!

It’s time your finances are Crystal Clear! Call us today at (518) 433-7181 and schedule your free initial consultation.

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