How Money Works podcast

#Trading #Business #Walter Storholt #Craig Moser #Finance #Financial #Greensboro #Maestrowealthadvisors #Money #Moser #Northcarolina #Triad #Winstonsalem #Retirement #CFP® #Financialplanning

28:52

Retailers are facing a rapidly evolving landscape where consumer expectations, AI advancements, and social media platforms like TikTok are redefining engagement. It feels like the holiday shopping season just ended, but when do retailers start planning for the next one, and some retailers already behind the curve for this season? Joining us today is Carey Cockrum, Director of Consulting at Cella by Randstad Digital, where she helps major brands and marketing teams optimize their strategies with data-driven insights, AI-powered content creation, and cutting-edge retail marketing trends. With the holidays just around the corner, she’s here to share what’s next for retail marketing, campaign optimization, and how brands can stay ahead in a hyper-competitive space. ABOUT CAREY COCKRUM Carey has been a part of the Creative Agency space for nearly 30 years. She has served as Designer, Creative Director, Creative Operations Lead and Agency Lead in both internal and external agencies (big and small). Carey has worked directly with C-suite stakeholders to understand organizational strategies that inform effective creative solutions. She is a bit of a data nerd and loves demonstrating results. Brands she’s supported include Fruit of the Loom, Wendy’s and Humana. In her free time, she enjoys going back to her creative roots through painting and drawing. She also spends her time improving upon the house she lives in today in Southern, MI - inside and out. RESOURCES Catch the future of e-commerce at eTail Boston, August 11-14, 2025. Register now: https://bit.ly/etailboston and use code PARTNER20 for 20% off for retailers and brands Don't Miss MAICON 2025, October 14-16 in Cleveland - the event bringing together the brights minds and leading voices in AI. Use Code AGILE150 for $150 off registration. Go here to register: https://bit.ly/agile150 Connect with Greg on LinkedIn: https://www.linkedin.com/in/gregkihlstrom Don't miss a thing: get the latest episodes, sign up for our newsletter and more: https://www.theagilebrand.show Check out The Agile Brand Guide website with articles, insights, and Martechipedia, the wiki for marketing technology: https://www.agilebrandguide.com The Agile Brand podcast is brought to you by TEKsystems. Learn more here: https://www.teksystems.com/versionnextnow The Agile Brand is produced by Missing Link—a Latina-owned strategy-driven, creatively fueled production co-op. From ideation to creation, they craft human connections through intelligent, engaging and informative content. https://www.missinglink.company…

How Money Works

maison des série•Feed

Husband and wife team, Craig and Jennifer Moser of Maestro Wealth Advisors discuss crucial tips for planning your successful retirement. Listen for valuable insight from professionals with unique insight and perspective on How Money Works. If you need any help with your financial or retirement plan, give them a call at 336-448-1086 or visit the website, https://maestrowealth.com Avantax affiliated financial professionals may only conduct business with residents of the states for which they are properly registered. Please note that not all of the investments and services mentioned are available in every state. Securities offered through Avantax Investment Services(SM), Member FINRA, SIPC. Investment advisory services offered through Avantax Advisory Services(SM). Fixed life insurance and annuity products offered through Maestro Insurance Services, Inc. All other insurance services offered through an Avantax affiliated insurance agency. The Avantax family of companies exclusively provide investment products and services through its representatives. Although Avantax Wealth Management(SM) does not provide tax or legal advice, or supervise tax, accounting or legal services, Avantax representatives may offer these services through their independent outside business. Avantax affiliated financial professionals may only conduct business with residents of the states for which they are properly registered. Please note that not all of the investments and services mentioned are available in every state This information is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Content, links, and some material within this website may have been created by a third party for use by an Avantax affiliated representative. This content is for educational and informational purposes only and does not represent the views and opinions of Avantax Wealth Management(SM) or its subsidiaries. Avantax Wealth Management(SM) is not responsible for and does not control, adopt, or endorse any content contained on any third-party website.

123 episodes

How Money Works

updated il y a environ 8 jours

maison des série•Feed

123 episodes

#Trading #Business #Walter Storholt #Craig Moser #Finance #Financial #Greensboro #Maestrowealthadvisors #Money #Moser #Northcarolina #Triad #Winstonsalem #Retirement #CFP® #Financialplanning

Tous les épisodes

How Money Works

1
Should You Retire During a Volatile Market? 19:54

il y a environ 8 jours19:54

19:54

Plenty of people have concerns about stock market volatility, a potential recession on the horizon, and fears for the economy right now. Retiring in a down market can feel like stepping onto a shaky bridge, but with the right structure, it doesn’t have to be. In this episode, Craig and Cameron unpack strategies for financial stability and peace of mind- like smart diversification and tuning out the media noise- even when the headlines are shouting panic. They cover how to build a resilient portfolio using the “three-bucket” strategy, how to plan for consistent income even if the market drops, and why risk, volatility, and media noise don’t have to define your retirement. You’ll also hear a powerful real-world example of how sequence-of-return risk can derail a plan and what to do instead. Here’s some of what we discuss in this episode: 📉 The real risk of retiring during a downturn 📊 Understanding the risk in your portfolio 🧠 Control what you can and ignore the noise 🛡️ Real-world strategies for building a resilient income plan Get additional financial resources: https://maestrowealth.com/how-money-works-podcast/ Schedule a meeting: https://timetoseemaestrowealth.as.me/ReadytoBegin…

How Money Works

1
Don’t Make These Bad Assumptions About Retirement 21:54

il y a environ 22 jours21:54

21:54

When it comes to your financial future, a few bad assumptions can lead to costly mistakes. In this episode, Craig and Jennifer break down some of the most common (and dangerous) misconceptions people have about retirement planning. We’ll discuss why a Roth IRA is an account—not an investment, the truth about delaying Social Security benefits, and why assuming your pension lump sum is always the best option might not work for you. We’ll also talk about the implications of tax brackets and how tax laws could shift dramatically if the Tax Cuts and Jobs Act (TCJA) expires. With more than 30 years working with clients, we can help you make more informed financial decisions and avoid bad assumptions with your retirement plan. Here’s some of what we discuss in this episode: 🔍 Roth IRA Misunderstanding – It’s not an investment; it’s a tax wrapper 📈 Social Security Timing – Delaying isn’t always the best answer 💼 Pension Decisions – Lump sum vs. lifetime payments: What’s the right move? 📉 Bond Risks – Rising rates can hurt your portfolio more than you think Get additional financial resources: https://maestrowealth.com/how-money-works-podcast/ Schedule a meeting: https://timetoseemaestrowealth.as.me/ReadytoBegin…

How Money Works

1
Inside the Advisor’s Office: What People Are Actually Concerned About 22:44

il y a 5 weeks22:44

22:44

Ever wonder what other people talk about with their financial advisors? A new survey of nearly 400 experienced advisors reveals the biggest concerns, challenges, and financial goals their clients are facing today. In this episode, Craig and Jennifer Moser break down the results and compare the findings to what we see at Maestro Wealth Advisors. We’ll unpack insights on why 52% of clients are primarily focused on retirement planning, what higher-net-worth families often overlook (like estate planning!), and how to build reliable income streams that don’t collapse in a market downturn. You'll also learn why outliving your money, healthcare costs, and supporting both aging parents and adult children are becoming top financial concerns. Here’s some of what we discuss in this episode: 📜 Estate plans are often outdated (or nonexistent!) 💸 Most people worry about outliving their money—even millionaires 🏥 Healthcare costs are underestimated but potentially devastating 👪 The “sandwich generation” is real—supporting parents and kids impacts retirement 🔄 Retirement is a dollar amount, not an age—planning brings confidence Check out the survey: https://www.fa-mag.com/news/retirement-planning-survey-2024-80450.html Get additional financial resources: https://maestrowealth.com/how-money-works-podcast/ Schedule a meeting: https://timetoseemaestrowealth.as.me/ReadytoBegin…

How Money Works

1
Is Investing In Real Estate Right For You? 20:45

il y a 7 weeks20:45

20:45

There are a lot of things to consider when it comes to investing in real estate, especially if you’re buying a rental property. Not only are there tax implications that come with buying and selling real estate, but there is also the labor element that comes with being a landlord if you choose to buy a rental property. In this episode, Craig and Jennifer will dive into the realities of real estate investing, from passive income potential to the hidden headaches of being a landlord. They break down the biggest financial mistakes rental property owners make, including underestimating maintenance costs, dealing with tenants, and the massive tax bills that can hit you when selling an investment property. Plus, they explain the 1031 exchange strategy, a powerful way to defer taxes and keep more of your gains when selling real estate. Here’s some of what we discuss in this episode: 🏡 Is Real Estate Investing Worth It? – The pros & cons of rental properties 💰 Hidden Costs of Being a Landlord 📉 Selling Rental Properties & Taxes – How capital gains can eat into profits 🔄 1031 Exchange Strategy – A smart way to defer taxes when selling real estate ⚠️ Flipping Houses Isn't as Easy as It Looks! Get additional financial resources: https://maestrowealth.com/how-money-works-podcast/ Schedule a meeting: https://timetoseemaestrowealth.as.me/ReadytoBegin…

How Money Works

1
Income Planning is the Foundation of Retirement 14:26

il y a 9 weeks14:26

14:26

When you think of retirement planning, saving and investing are two of the things that likely come to mind first. That’s why many people are unprepared for the next phase of the plan, which is the shift to distribution. Knowing how much income you’ll need and where that money is pulled from is incredibly important for retirement success so today we’re talking all about this essential component of planning. We’ll talk through different factors that we need to understand before putting together the income plan, including your income goals, cash flow, and the impact of taxes and inflation on your retirement savings. This discussion provides a look into the complexity of retirement planning and the need for thoughtful consideration and expert guidance. Here’s some of what we discuss in this episode: Income goals are one of the most crucial things you should decide on as you plan for retirement. Understanding the taxes you’ll have to pay on your retirement savings is a big part of determining where to take your money from. What reliable sources of income will you have? Why are people usually unprepared in this area? Get additional financial resources: https://maestrowealth.com/how-money-works-podcast/ Schedule a meeting: https://timetoseemaestrowealth.as.me/ReadytoBegin…

How Money Works

1
Financial Planning for Future Generations 12:08

il y a 11 weeks12:08

12:08

Kids and grandkids often play a big role in financial plans. Let’s talk about some of the common scenarios we see where the future generations somehow come into play during the retirement planning process. Find out how Maestro Wealth typically advises people in these situations. This episode will explore challenges like supporting adult children as you approach retirement, preparing for future healthcare costs, and the various savings tools available for children’s education. The conversation highlights the importance of having open discussions with family members about financial responsibilities and the potential impact on future financial security. Here’s some of what we discuss in this episode: Families where mom and dad are on the verge of retirement with kids that are adults but still “on the payroll” in some fashion. Parents who had kids later in life and are still paying for college as they head into retirement. Grandparents who want to help with education costs for their grandchildren. Aging parents who are counting on their children to take care of them in their later years. People who want to be very intentional about leaving a financial legacy to their kids and grandkids. Get additional financial resources: https://maestrowealth.com/how-money-works-podcast/ Schedule a meeting: https://timetoseemaestrowealth.as.me/ReadytoBegin…

How Money Works

1
Economic Impact of Trump Administration Policy Changes 22:31

il y a 13 weeks22:31

22:31

It’s been an incredibly busy week since the Trump administration took office and investors are wondering how the current economic landscape might be changing. As we navigate through an era of volatility, understanding what changes are happening is crucial for making informed financial decisions. Most of the focus is on the recent changes in government policies and their implications on the economy. Having patience during this transitional phase is critical, as new policies take time to yield results. While volatility is to be expected, it also presents opportunities for savvy investors. Along with the policy changes, we’re keeping our eye on interest rates, inflation, and AI as well over the cming year. Join us for a look ahead and learn more about strategies to navigate market volatility. Here’s some of what we discuss in this episode: There’s pressure from the administration to move forward with further rate cuts sooner. If rates decline this year, wouldn’t it make sense to have interest rate-bearing investments? Which sectors are more positive right now and where should you be investing for AI? It’s important to talk about your fixed income strategy now that rates have plateaued. Get additional financial resources: https://maestrowealth.com/how-money-works-podcast/ Schedule a meeting: https://timetoseemaestrowealth.as.me/ReadytoBegin…

How Money Works

1
Beware These Retirement Half Truths 20:56

il y a 16 weeks20:56

20:56

We live in a world where truth, half-truths, and lies are seemingly getting harder and harder to distinguish in our day-to-day lives. Whether you’re scrolling a social media feed or watching a financial show, what’s fully true and what isn’t can seem to be all over the place. Today we’re going to help provide context to those half-truths so that you can understand why these financial statements don’t paint the full picture. We’ll share insights into managing investments at different life stages, the role of diversification, and the impact of fees on your portfolio. Plus, we’ll explore the emotional versus mathematical aspects of paying off a mortgage and the role of bonds in reducing portfolio risk. Here’s some of what we discuss in this episode: The market always goes up in the long run, but that may not be helpful depending on what stage of life you are in. Understanding what fees are in your portfolio and knowing what you’re getting for those fees. The question of whether you should pay off the house early or use the money to invest instead when interest is low. Diversification is a key to a strong portfolio but is it THE key? Do bonds significantly reduce the risk in your portfolio? Get additional financial resources: https://maestrowealth.com/how-money-works-podcast/ Schedule a meeting: https://timetoseemaestrowealth.as.me/ReadytoBegin…

How Money Works

1
Managing Retirement And Financial Stress 14:30

il y a 18 weeks14:30

14:30

Retirement can be more stressful than it seems. After working your entire adult life, the lifestyle changes that come with retiring can feel overwhelming. Sometimes, your “dream retirement” isn’t quite what you expected. Today, Craig and Jennifer will cover some unique challenges that come with retirement and share strategies to manage the stress that comes with it. They’ll discuss setting meaningful goals, finding a new sense of purpose, and more. If you're feeling anxious or uncertain about retirement, this episode is a great way to get on the right track! Here’s some of what we discuss in this episode: The challenges that come with this massive change of pace Setting goals and making the most out of every day Not everything is going to go exactly as expected, so be flexible How retirement has changed in more recent years Get additional financial resources: https://maestrowealth.com/how-money-works-podcast/ Schedule a meeting: https://timetoseemaestrowealth.as.me/ReadytoBegin…

How Money Works

1
Ready for a Retirement Reality Check? 23:43

il y a 20 weeks23:43

23:43

Retirement doesn’t always turn out like you see in commercials and movies. We’d love to be laid back on a tropical island, but we want to manage expectations. It's essential to have a realistic view of your financial capabilities and lifestyle desires. Today, Craig and Jennifer discuss the importance of managing retirement expectations, adjusting to changing expenses, and the necessity of a comprehensive financial plan. Discover why it's vital to plan for both essential and lifestyle expenses, and learn how to navigate the complexities of taxes, inflation, and investment strategies in retirement. Here’s some of what we discuss in this episode: Sticking to your budget and making sure the math works. Making sure to account for changing expenses in retirement. The need to be able to be flexible and be able to pivot. Finding new things to do in retirement if you’re no longer working. Get additional financial resources: https://maestrowealth.com/how-money-works-podcast/ Schedule a meeting: https://timetoseemaestrowealth.as.me/ReadytoBegin…

How Money Works

1
Questions That Often Go Unasked About Retirement 22:14

il y a 22 weeks22:14

22:14

As we journey through life, certain questions about retirement and financial planning often go unasked until it's too late. On this episode, Craig is joined by Cameron Moser to shed light on these critical issues, offering perspective on the financial challenges that come with aging. The discussion will cover the realities of downsizing, tax implications after the loss of a spouse, and the importance of planning for long-term care. With insights from over 35 years of experience, Craig shares personal anecdotes and expert advice to help you navigate the complexities of retirement planning. Join us for a conversation that highlights the importance of preparing for the unexpected. Here’s some of what we discuss in this episode: Downsizing and decluttering in life, from your home to your finances. Tax and other financial considerations when one spouse passes away. The reduction in Social Security income after one spouse dies and how to plan for that. Turning your savings into something that produces income. Making sure that your kids are on board with your long-term care plans. Get additional financial resources: https://maestrowealth.com/how-money-works-podcast/ Schedule a meeting: https://timetoseemaestrowealth.as.me/ReadytoBegin…

How Money Works

1
Retirement Today is Harder Than Ever Before 21:59

il y a 24 weeks21:59

21:59

Planning for retirement now is not what it used to be. Gone are the days when a pension, Social Security, and personal savings—the three-legged stool—were enough to secure a comfortable retirement. Today, individuals must navigate the intricacies of 401(k)s, IRAs, and other investment accounts that lack the guaranteed income of traditional pensions. While retirement success might be falling more and more on each individual to plan effectively, it doesn’t mean it’s impossible to accomplish. Craig and Jennifer will dive into the complexities retirees face today and the biggest challenges you’ll need to address within your plan. Learn about the impact of market volatility, the importance of creating a reliable income stream, and how to navigate the challenges of longer life expectancies and rising healthcare costs. Here’s some of what we discuss in this episode: When pensions were common, retirement planning used to be a lot easier. The hardest question to answer is often ‘what are your retirement goals?’ People are living much longer into their retirement. The sandwich generation faces a huge strain on their finances. Anxiety around the future of Social Security. Get additional financial resources: https://maestrowealth.com/how-money-works-podcast/ Schedule a meeting: https://timetoseemaestrowealth.as.me/ReadytoBegin…

How Money Works

1
Building Your Advisory Team 18:53

il y a 26 weeks18:53

18:53

Financial planning is much more than investing and constructing a portfolio. You have to take your entire picture into account, which isn’t easy to do on your own. That’s why you want to surround yourself with a trusted group of professionals who can guide you through each aspect of planning. In this episode, we’re going to talk about the best approach to building an advisory team. We’ll discuss the importance of a fiduciary standard, the nuances of investment fees, and the significance of a tailored investment philosophy. Discover how to build a trusted advisor network with your CPA, attorney, and financial advisor to ensure your financial health. Plus, learn how to ask the right questions when meeting with an advisor for the first time. There’s a lot to cover in this episode of How Money Works and you don’t want to miss any of it, so tune in and hear from Craig and Jennifer. Here’s some of what we discuss in this episode: What makes an advisor a fiduciary? Knowing what services you are getting for the fees you are paying. How we help create a trusted advisor network for you. Get additional financial resources: https://maestrowealth.com/how-money-works-podcast/ Schedule a meeting: https://timetoseemaestrowealth.as.me/ReadytoBegin…

How Money Works

1
Invest Like A Genius and Avoid These Mistakes 21:23

il y a 29 weeks21:23

21:23

When it comes to investing for your retirement, there are some simple mistakes to avoid that can help make you look like a true financial wizard. The benefit of working with a financial advisor is tapping into the experience they have to identify those missteps before they happen. Let’s talk about what it takes to navigate the complexities of financial planning and set yourself up for long-term success. From the pitfalls of premature IRA withdrawals to the importance of maximizing employer matches and health savings accounts, this episode is packed with actionable advice. Learn how to avoid common mistakes like spending too much during your peak earning years and retiring too early. Plus, discover smarter ways to approach college tuition and the benefits of Roth IRAs. Join Craig and Jennifer as they break down these financial choices and explain what they could mean for you. Here’s some of what we discuss in this episode: Why you should avoid withdrawing from an IRA early. The risks with overspending in your peak earning years. The changing approaches to college funding. The problems with retiring too early. Why Roths could be appealing. Get additional financial resources: https://maestrowealth.com/how-money-works-podcast/ Schedule a meeting: https://timetoseemaestrowealth.as.me/ReadytoBegin…

How Money Works

1
Questions To Ask Yourself As You Near Retirement 16:54

il y a 31 weeks16:54