Tag Archives: Retirement

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Combining Finances With Your Spouse (Ep. 21)



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!

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



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)



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!

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7. The Four Cornerstones of Financial Planning



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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