Tag: Financial Goals

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What Does It Mean To Plan For the Certainty of Uncertainty? (Ep. 11)

What Does It Mean To Plan For the Certainty of Uncertainty? (Ep. 11)

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Will you need long-term care? Will you need insurance? How will the stock markets behave over the next few years?

No one knows! But one thing is certain – your life is filled with uncertainty.

In this episode, Jon Kuttin, CRPC®, AAMS®, AWMA®, CMFC®, CRPS®, Private Wealth Advisor, talks about the different “What Ifs” that you should plan for while building your financial plan.

Jon discusses:

  • Why it is important to plan for the certainty of uncertainty
  • The three-bucket theory that helps you manage your financial risk
  • Difficult, but crucial, conversations that you should have with your advisor
  • Various training tools used by advisors at Kuttin Wealth Management, a private wealth advisory practice of Ameriprise Financial Services, LLC
  • And more!

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How To Create a Positive Money Mindset (Ep. 10)

How To Create a Positive Money Mindset (Ep. 10)

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It’s easy to get carried away by emotions while making crucial money decisions.

But with the right money mindset, you can make smarter financial choices that benefit you in the long run.

In this episode, Jon Kuttin, CRPC®, AAMS®, AWMA®, CMFC®, CRPS®, Private Wealth Advisor, takes on the often-overlooked subject of creating a positive money mindset while explaining easy ways you can think more rationally with your money.

Jon discusses:

  • The “values exercise” at Kuttin Wealth Management, a private wealth advisory practice of Ameriprise Financial Services, LLC
  • How to deal with your financial mistakes from the past
  • Reasons to start focusing on YOUR financial goals (instead of aiming for the norm)
  • And more!

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Want To Find the Right Advisor? Ask These Questions Before Hiring (Ep. 9)

Want To Find the Right Advisor? Ask These Questions Before Hiring (Ep. 9)

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You’ll likely work with your financial advisor for several years, share your personal finances with them, and discuss critical family issues.

So it’s important to take the time to find the right advisor — one you enjoy working with!

In this episode, Jon Kuttin, CRPC®, AAMS®, AWMA®, CMFC®, CRPS®, Private Wealth Advisor, provides a list of questions you can ask advisors before hiring them so that you can ensure your goals and values are aligned with their services.

Jon discusses:

  • How people with minimal financial knowledge can effectively interview advisors
  • What you should know about an advisor’s education and fee structure
  • The number one question you should ask every advisor
  • The importance of finding the right advisor
  • And more!

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Asset Allocation Simplified: What You Should Know Before You Start Investing (Ep. 8)

Asset Allocation Simplified: What You Should Know Before You Start Investing (Ep. 8)

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Building an investment portfolio is not just about achieving the best rate of return.

It should be constructed based on your unique financial goals and situation.

In this episode, Jon Kuttin, CRPC®, AAMS®, AWMA®, CMFC®, CRPS®, Private Wealth Advisor, dives into the basics of asset allocation. Drawing from Harry Markowitz’s Modern Portfolio Theory (MPT), Jon explains how different asset classes, as well as other factors such as your risk tolerance and your investment horizon, might affect your investment decisions.

Jon discusses:

  • The importance of goal-based investing
  • General rules of thumb that you should consider while constructing your portfolio
  • Why your actual risk tolerance could be different from what you think it is
  • How to remain aligned with your long-term goals by rebalancing your portfolio
  • And more!

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7. The Four Cornerstones of Financial Planning

7. The Four Cornerstones of Financial Planning

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If you want to build a financial plan but don’t know where to begin, don’t worry!

These four cornerstones of financial planning can help you build your financial future: Cash reserves, adequate protection, fixed assets, and equity assets.

In this episode, Jon Kuttin, CRPC®, AAMS®, AWMA®, CMFC®, CRPS®, Private Wealth Advisor, explains how utilizing these cornerstones wisely can help you allocate your resources and meet your financial needs.

Jon discusses:

  • The importance of setting up highly liquid cash reserves
  • Protection planning to help support your loved ones during uncertain times
  • The difference between fixed and equity assets — and their role within your financial plan
  • How to prioritize your financial goals
  • And more!

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6. The Ongoing Financial Planning Process After the First Year, Part 2

6. The Ongoing Financial Planning Process After the First Year, Part 2

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Financial planning can help you achieve your long-term financial goals for yourself and for your future generations.

In part two of this two-part mini-series, Jon Kuttin, CRPC ®, AAMS ®, AWMA ®, CMFC ®, CRPS ®, Private Wealth Advisor, discusses how an ongoing client-advisor relationship at Kuttin Wealth Management, a private wealth advisory practice of Ameriprise Financial Services, LLC., helps you secure your financial future and cope with potential life uncertainties.

Jon discusses:

  • How the practice’s four seasons of advice help you remain financially proactive
  • How Kuttin Wealth Management helps clients remain deeply connected with advisors
  • Benefits of involving every member of your family in the financial planning process
  • Reasons to consult an advisor even if you feel you can manage your own finances
  • And more!

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4. Great Advisors Are Great Leaders

4. Great Advisors Are Great Leaders

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One of the true hallmarks of a great financial advisor is their ability to influence their clients’ decisions in ways that help them stay on the path to achieving their personal goals.

In this episode, Jon Kuttin,  CRPC®, AAMS®, AWMA®, CMFC®, CRPS®, Private Wealth Advisor, discusses how true leadership enables advisors to help their clients make tough financial decisions. He also shares his sound money management philosophy, and how it helps you find smart places to get the money you need to achieve your goals.

Jon discusses:

  • The importance of client and advisor alignment 
  • How Kuttin Wealth Management, a private wealth advisory practice of Ameriprise Financial Services, LLC, coaches advisors to be influential leaders
  • Ways to apply the three-bucket strategy to financial planning
  • Reasons to attach every dollar to a specific goal
  • And more!

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