Beer & Money

By: Ryan Burklo & Alex Collins
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  • Summary

  • Welcome to Beer and Money, a financial fireside chat for business professionals. We work to simplify your finances so that you can enjoy your life. Your hosts, Ryan Burklo and Alex Collins are financial advisors based out of Seattle, Washington. This material is intended for general public use. By providing this material, we are not undertaking to provide investment advice for any specific individual or situation, or to otherwise act in a fiduciary capacity. Please contact one of our financial professionals for guidance and information specific to your individual situation. Guardian, its subsidiaries, agents and employees do not provide tax, legal or accounting advice. Consult your tax, legal or accounting professional regarding your individual situation. Securities products and advisory services offered through Park Avenues Securities LLC (PAS), member FINRA, SIPC. OSJ 333 N. Indian Hill Blvd, Claremont, CA, 909-399-1100. PAS is a wholly-owned subsidiary of Guardian. Quantified Financial Partners is not an affiliate or subsidiary of PAS or Guardian. Ryan Burklo, AR Insurance License # 15319412, CA Insurance License # 0K24924, Alexander Collins AR Insurance License # 7264699, CA Insurance License # 0H24806. #2022-133647 Exp 02/2024 Visit our website www.QuantifiedFinancial.com
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Economics Management Personal Finance
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Episodes
  • Episode 276 - Debunking Tax Deferral Myths

    Episode 276 - Debunking Tax Deferral Myths
    Nov 4 2024

    In this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the myths surrounding tax deferral, particularly the common belief that individuals will be in a lower tax bracket during retirement. They explore the implications of income growth over a career, the importance of tax planning, and strategies for managing tax efficiency in retirement. The conversation emphasizes the need for a balanced approach to retirement planning, considering both taxable and tax-free income sources.

    Takeaways

    Tax deferral is often misunderstood; it's not a one-size-fits-all model.
    Many believe they will be in a lower tax bracket in retirement, but this is not always true.
    Income growth during working years can lead to higher taxes in retirement.
    It's crucial to analyze income needs and tax implications before retirement.
    Managing tax efficiency can significantly impact retirement income.
    Tax planning should include a mix of taxable and tax-free income sources.
    The importance of flexibility in retirement income strategies cannot be overstated.
    Understanding tax brackets is essential for effective retirement planning.
    Many people overlook the long-term tax implications of their retirement savings strategies.
    It's vital to measure the difference in taxes due when considering tax deferral versus tax-free options.

    Chapters

    00:00 Introduction to Tax Deferral Myths
    02:09 Understanding the Tax Deferred Model
    04:03 Analyzing Income Growth and Retirement
    08:15 Tax Implications of Retirement Income
    10:10 Strategies for Managing Tax Efficiency
    12:11 The Importance of Tax Planning
    16:26 Conclusion and Future Strategies
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    21 mins
  • Episode 272 - Presidential Elections and the Stock Market

    Episode 272 - Presidential Elections and the Stock Market
    Oct 28 2024
    In this episode of Beer and Money, Ryan discusses the impact of presidential elections on the stock market. He explores the presidential election theory, which suggests that U.S. stock markets perform weaker in the first two years of a presidential term and peak in the third year. Ryan emphasizes the importance of looking at the bigger picture and long-term investment strategies, rather than focusing on short-term market fluctuations. He also highlights the significance of diversification, having a financial plan, and maintaining liquidity. Key Points: Introduction to the presidential election theory and its impact on the stock market. Historical performance of the S&P 500 during different presidential terms. The importance of long-term investment strategies and diversification. The role of financial advisors in guiding investment decisions. The need for liquidity and access to funds during market fluctuations. Chapters 00:00:01 - Introduction Welcome and episode overview. 00:00:49 - Presidential Election Theory Explanation of the theory and its implications. 00:01:15 - Historical Performance Discussion of historical S&P 500 performance during presidential terms. 00:02:26 - Long-Term Investment Strategies Importance of long-term investment and avoiding short-term market focus. 00:03:22 - Role of Financial Advisors The value of consulting with financial advisors. 00:04:07 - Market Trends and Political Parties Analysis of market trends under different political parties. 00:05:01 - Media Influence and Market Perception How media narratives can impact market perception. 00:05:43 - Diversification and Liquidity Importance of diversification and maintaining liquidity. 00:06:22 - Holistic Financial Planning The need for a comprehensive financial plan. 00:07:23 - Conclusion and Call to Action Final thoughts and invitation to reach out for financial advice.
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    10 mins
  • Episode 271 - How To Mitigate Investment Risks

    Episode 271 - How To Mitigate Investment Risks
    Oct 21 2024

    In this episode of Beer and Money, hosts Ryan Burklo and Alex Collins welcome Joe Hegener, founder and CIO of Astrazola Management, to discuss the current economic landscape, particularly focusing on falling interest rates and their implications. Joe shares his extensive background in finance, including his experiences at BlackRock and PIMCO, and provides insights into the effects of zero interest rates, inflation dynamics, and the potential risks facing the market. The conversation also delves into portfolio management strategies and the importance of diversification in today's economic environment.

    Takeaways

    Joe Hegener has extensive experience in finance, having worked at BlackRock and PIMCO.
    The current economic environment is influenced by falling interest rates and inflation dynamics.
    Zero interest rates have created a false sense of security in the market.
    The Fed's actions have a lagging effect on the economy.
    Inflation is driven by both supply-side and demand-side factors.
    There are significant risks on the horizon that could impact the market.
    Diversification is crucial for managing portfolio risk.
    Investors should consider locking in gains and de-risking their portfolios.
    The potential for re-accelerating inflation exists as cash is deployed into the market.
    It's important to build a robust portfolio that can withstand various economic scenarios.

    Chapters

    00:00 Introduction and Guest Introduction
    02:52 Joe Hegener's Background and Experience
    06:00 Insights on Interest Rates and Economic Environment
    08:51 The Impact of Zero Interest Rates
    12:01 Current Economic Indicators and Fed's Role
    15:03 Inflation Dynamics and Future Projections
    18:04 Potential Risks and Market Reactions
    21:13 Portfolio Management Strategies
    23:56 Final Thoughts and Future Considerations
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    38 mins

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