The Retirement Roadmap Podcast

Buzzword . . . Risk Tolerance

Asking the right questions can sometimes create a different perspective on things. Join us this week as we discuss what is meant by “Risk Tolerance”. Can “Risk Tolerance” change over time? Just about everyone has an idea of how comfortable they are with risk, however as you travel along your Retirement Roadmap it's important to determine whether or not your “Risk Tolerance” is constant with your goals and with where you are in life.
 
Investment advisory services offered through Horter Investment Management, LLC, a SEC-Registered Investment Adviser. Horter Investment Management does not provide legal or tax advice. Investment Adviser Representatives of Horter Investment Management may only conduct business with residents of the states and jurisdictions in which they are properly registered or exempt from registration requirements. Insurance and annuity products are sold separately through Roadmap Financial Consulting, LLC. Securities transactions for Horter Investment Management clients are placed through AXOS Advisor Services, TD Ameritrade, and Nationwide Advisory Solutions.

Are You Asking The Wrong Questions?

As you know, different people are in different situations. Which means that sometimes the answers to common questions can be different for different people, but it also means that sometimes there needs to be different questions. Join us this week as we discuss some of these differences so you can begin determining if you might need to make some adjustments to your Retirement Roadmap.
 
Investment advisory services offered through Horter Investment Management, LLC, a SEC-Registered Investment Adviser. Horter Investment Management does not provide legal or tax advice. Investment Adviser Representatives of Horter Investment Management may only conduct business with residents of the states and jurisdictions in which they are properly registered or exempt from registration requirements. Insurance and annuity products are sold separately through Roadmap Financial Consulting, LLC. Securities transactions for Horter Investment Management clients are placed through AXOS Advisor Services, TD Ameritrade, and Nationwide Advisory Solutions.

Real Financial Advising Is Solving Problems

How do you define “Financial Advisor”? Sometimes “Financial Advisor” is defined as someone that helps you manage accounts, however we believe there's much more to it than just managing accounts Financial advise can come in many forms and this week we discuss additional ways a good advisor can help. Take a few minutes to discover how your Retirement Roadmap can improve with a more comprehensive approach to financial advise.
 
Investment advisory services offered through Horter Investment Management, LLC, a SEC-Registered Investment Adviser. Horter Investment Management does not provide legal or tax advice. Investment Adviser Representatives of Horter Investment Management may only conduct business with residents of the states and jurisdictions in which they are properly registered or exempt from registration requirements. Insurance and annuity products are sold separately through Roadmap Financial Consulting, LLC. Securities transactions for Horter Investment Management clients are placed through AXOS Advisor Services, TD Ameritrade, and Nationwide Advisory Solutions.

What It’s Like To Become A Client

We often get the question of what is it like have an advisor or what's it like to become a client? This is one of the most important topics to understand when preparing for or living in retirement. So on the podcast this week we discuss this question in depth.  Take a few minutes to listen in as we review expectations and a variety of additional questions that often come up when working with an advisor. An advisor should be focused on you and helping you design your retirement years. If you'd like to get together to discuss your personal Retirement Roadmap – give us a call.
 
Investment advisory services offered through Horter Investment Management, LLC, a SEC-Registered Investment Adviser. Horter Investment Management does not provide legal or tax advice. Investment Adviser Representatives of Horter Investment Management may only conduct business with residents of the states and jurisdictions in which they are properly registered or exempt from registration requirements. Insurance and annuity products are sold separately through Roadmap Financial Consulting, LLC. Securities transactions for Horter Investment Management clients are placed through AXOS Advisor Services, TD Ameritrade, and Nationwide Advisory Solutions.

Settle The Debate

It's no secret that a number of financial topics sometimes create debate and disagreement. This week we delve into a few of these topics and discuss different perspectives that you may not have considered. You might just be surprised to discover that after evaluating some nuances you could end up changing your mind about a few things you believed to be true. Take a few minutes to join the podcast and evaluate whether or not your personal Retirement Roadmap might need to take a slight detour.
 
Investment advisory services offered through Horter Investment Management, LLC, a SEC-Registered Investment Adviser. Horter Investment Management does not provide legal or tax advice. Investment Adviser Representatives of Horter Investment Management may only conduct business with residents of the states and jurisdictions in which they are properly registered or exempt from registration requirements. Insurance and annuity products are sold separately through Roadmap Financial Consulting, LLC. Securities transactions for Horter Investment Management clients are placed through AXOS Advisor Services, TD Ameritrade, and Nationwide Advisory Solutions.

You’ve Lost That Financial Feeling

As we all know, there are times when folks become emotional about certain topics in their financial lives. On the podcast this week we discuss a few of these topics and how different people react, respond and think about them. Listen in on our conversation as we review important points to consider. Remember, there's nothing wrong with experiencing your emotions – just make sure that when it comes to making important financial decisions you base your Retirement Roadmap on the important critical facts that matter the most.
 
Investment advisory services offered through Horter Investment Management, LLC, a SEC-Registered Investment Adviser. Horter Investment Management does not provide legal or tax advice. Investment Adviser Representatives of Horter Investment Management may only conduct business with residents of the states and jurisdictions in which they are properly registered or exempt from registration requirements. Insurance and annuity products are sold separately through Roadmap Financial Consulting, LLC. Securities transactions for Horter Investment Management clients are placed through AXOS Advisor Services, TD Ameritrade, and Nationwide Advisory Solutions.

Overlooked Retirement Expenses

One of the biggest challenges in retirement is income planning and of course, income and expenses go hand in glove. So on the podcast this week we take a little time to discuss a few overlooked expenses that come up in retirement. Take a few minutes to listen in as we delve into the importance of staying aware of these critical expenses that are sometimes forgotten. You always want to make sure your Retirement Roadmap doesn't have overlooked detours that lead you astray.
 
Investment advisory services offered through Horter Investment Management, LLC, a SEC-Registered Investment Adviser. Horter Investment Management does not provide legal or tax advice. Investment Adviser Representatives of Horter Investment Management may only conduct business with residents of the states and jurisdictions in which they are properly registered or exempt from registration requirements. Insurance and annuity products are sold separately through Roadmap Financial Consulting, LLC. Securities transactions for Horter Investment Management clients are placed through AXOS Advisor Services, TD Ameritrade, and Nationwide Advisory Solutions.

Complications Of Early Retirement

It's not uncommon for folks to sometimes think about and start asking questions about an early retirement. It can sound exciting, but is it realistic? This week we take a little time to review some of the critical points to consider if you are really beginning to think about early retirement. Listen in on our conversation as we discuss some of the key points to evaluate. It's wise to make sure you are prepared before you start traveling along your Retirement Roadmap.
 
Investment advisory services offered through Horter Investment Management, LLC, a SEC-Registered Investment Adviser. Horter Investment Management does not provide legal or tax advice. Investment Adviser Representatives of Horter Investment Management may only conduct business with residents of the states and jurisdictions in which they are properly registered or exempt from registration requirements. Insurance and annuity products are sold separately through Roadmap Financial Consulting, LLC. Securities transactions for Horter Investment Management clients are placed through AXOS Advisor Services, TD Ameritrade, and Nationwide Advisory Solutions.

Retirement Is More Than Just Investments Part 2

Welcome back to “Retirement Is More Than Just Investments”! This week we continue our conversation and delve into additional considerations of holistic retirement planning. Take a few minutes to listen in on our discussion as we review several more aspects to retirement planning that just might provide enhanced pathways for your personal Retirement Roadmap.
 
Investment advisory services offered through Horter Investment Management, LLC, a SEC-Registered Investment Adviser. Horter Investment Management does not provide legal or tax advice. Investment Adviser Representatives of Horter Investment Management may only conduct business with residents of the states and jurisdictions in which they are properly registered or exempt from registration requirements. Insurance and annuity products are sold separately through Roadmap Financial Consulting, LLC. Securities transactions for Horter Investment Management clients are placed through AXOS Advisor Services, TD Ameritrade, and Nationwide Advisory Solutions.

Retirement Is More Than Just Investments

When thinking about and planning for retirement it's important to remember that there are many pieces to the retirement puzzle and that there is more to consider than just your investments. There are 3 phases of your financial planning for retirement – accumulation, preservation, and distribution. Over the next two weeks we will be taking some time to discuss how these financial phases of life integrate with your entire retirement plan and why maintaining balance in all areas of life is so important. Tune in and evaluate whether or not your Retirement Roadmap is taking you in the right direction.
 
Investment advisory services offered through Horter Investment Management, LLC, a SEC-Registered Investment Adviser. Horter Investment Management does not provide legal or tax advice. Investment Adviser Representatives of Horter Investment Management may only conduct business with residents of the states and jurisdictions in which they are properly registered or exempt from registration requirements. Insurance and annuity products are sold separately through Roadmap Financial Consulting, LLC. Securities transactions for Horter Investment Management clients are placed through AXOS Advisor Services, TD Ameritrade, and Nationwide Advisory Solutions.