Retirement – Planning for the Certainty of Uncertainty

Combining Finances With Your Spouse (Ep. 21)

By thecertaintyofuncertainty | March 30, 2023

In a marriage, both partners bring their individual assets and liabilities to the table.

So the question that every couple should ask each other is: How to combine our finances together?

In this episode, Jon Kuttin, CRPC®, AAMS®, AWMA®, CMFC®, CRPS®, Private Wealth Advisor, explains how to avoid the most common mistakes that couples make when combining their finances with their partner.

Jon discusses:

How your planning might change if it’s not your first marriage
His thoughts on prenuptial agreements and separation of finances
The importance of regularly updating your beneficiaries in life insurance policies
Why both partners should focus on building credit in the long run
And more!

Resources:

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How to Talk About Finances With Your Partner (Ep. 20)

By thecertaintyofuncertainty | March 2, 2023

You and your partner might have varying beliefs about how to best manage your finances.

One might be a saver, while the other is a spender. Both of you might also have a different picture of what the perfect retirement looks like.

In this episode, Jon Kuttin, CRPC®, AAMS®, AWMA®, CMFC®, CRPS®, Private Wealth Advisor, explains how to have honest money conversations with your partner to protect your relationship from financial distress.

Jon discusses:

The importance of transparency in financial conversations
How money secrets can develop serious trust issues in relationships
The “cookie jar” approach to effectively come to a compromise during disagreements
Reasons financial professionals serve as an impartial third-party mediator
And more!

Resources:

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How Living Longer Affects Your Portfolio (Ep. 17)

By thecertaintyofuncertainty | December 15, 2022

Advancements in modern medicine have significantly improved the average life expectancy compared to a few decades ago.

How does this impact retirement planning? What are the resulting implications for your portfolio?

In this episode, Jon Kuttin, CRPC®, AAMS®, AWMA®, CMFC®, CRPS®, Private Wealth Advisor, talks about longevity risk, why it is highly relevant today, and strategies to plan for the financial uncertainty that comes with living a longer life.

Jon discusses:

Opportunities to work longer without having to go back to your full-time job
How to account for higher expenses and health care costs (especially in light of current inflation)
How investment considerations might change in longer investing time horizons
Why liquidity and cash flow are the two most important components of longevity planning
And more!

Resources:

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7. The Four Cornerstones of Financial Planning

By thecertaintyofuncertainty | January 6, 2022

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!

Connect with Jonathan Kuttin:

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