Plan For Life Now

As Dave and Steve continue their social distancing podcasts, they start by providing an update on the stock market. How far did the market fall and how far has it come back? How can we justify the current market levels given the horrific economic data? After that, Dave and Steve discuss inflation and how that has effected social security recipients for the past 20 years.

Dave and Steve continue their social distancing podcasts with a jammed packed episode. First they discuss the various toys Steve is buying for his kids to keep then occupied during the quarantine. Then they discuss the latest gem from Barry Ritholtz on what to do if you retired right before the Coronavirus. Last but not least, they discuss the surprising fact that bonds have outperformed stocks over the last 20 years. What does this mean for investors, and will it continue?

Episode #65: Old Man Dividend And The Long Term Effects Of Stimulus by Capitol Retirement Strategies

The speed of the stock market decline over the past month has been breathtaking. Dave and Steve offer their latest thoughts on the Cornavirus market decline. How can we use bonds to help us ride out the decline? How quickly have prior markets recovered? Are there any areas of opportunity?

The last five days have certainly been an interesting time to be an investor in the stock market. After an initially muted reaction to the coronavirus reports, stocks are now down 13% from their high. In this special coronavirus podcast Dave and Steve discuss their thoughts and concerns going forward. Here are a few highlights: The market: While the market is down 13% from its high, the S+P 500 is still up around 6% over the past 12 months. It is certainly possible that things could get worse as the impact of the virus is felt in economies around the globe. It is even possible that the coronavirus could be the long awaited catalyst that tips the economy into a recession. That said, we have to remember that market declines and recessions are a normal part of investing. On average, a 10% market decline occurs every 10 months. A 20% market decline typically occurs every 3.5 years. It has been 11 years since the last decline of more than 20%. Changes we are making: We don’t believe anyone can accu

Have equities become too risky? How much longer will the decade-long bull market last? Is a stock crash or a recession coming? Should I sell? In this month’s podcast Dave and Steve look for insight and wisdom from the words of legendary author and finance professor Burton Malkiel. Tune in to find out what this means for your investments!

In the first podcast of the new year Dave and Steve talk about passage of the SECURE act. What does this mean for RMDs and inherited IRAs going forward? After that they discuss an outlook for 2020. What are the experts saying and how has that changed since last year. Tune in to find out!

Dave and Steve start this episode by discussing the changes proposed in the SECURE Act. In particular they discuss the impact on RMDs and inherited IRAs. After that Dave tells the story of a friend who continued to ignore risks in his retirement plan and the sad consequences of his actions.

The stock market has been going up for over 10 years, and some investors have gotten complacent. Are you making some of the classic late cycle investor mistakes? Listen to Dave and Steve discuss these issues and how to avoid them in the latest episode of Plan For Life Now.

In this month’s episode Dave and Steve start (1:10) by recapping the market over the past year. After that the discussion turns (2:45) to politics, and what effect certain candidates might have on the stock market. To finish up (10:10), they discuss an online guide to uncertain markets published by American Funds. Listen now to find out how soccer penalty kicks relate to how you manage your investments!

In this episode Dave and Steve have a grab bag of topics to discuss. They start (2:30) by discussing how people think differently about investing in real estate compared to investing in stocks. Next (7:18) they take a look back at the economy 10 years ago, and compare the changes in our outlook going forward. Lastly, (14:00) they revisit a bucketed retirement strategy. How do you structure your short term, intermediate term and long term assets differently to meet my retirement goals?

In this episode Dave and Steve discuss (2:07) a Stanford study that examined 292 different retirement withdrawal strategies to determine the best one. After that they discuss (15:00) the resurgence of value stocks. Is value investing making a comeback or will growth stocks continue to dominate?

In this episode Dave and Steve break down the behavior and saving habits of their client “Bob.” Find out how “Bob” approaches his investments and helps to set himself up for a long and relaxing retirement.

In this episode Dave and Steve start (1:05) by discussing the ways that people organize their retirement and the risks they are facing. After that they discuss an article from their favorite columnist, Barry Rithholtz (11:27). Tune in to find out what are the 10 things people in finance should never say! https://www.washingtonpost.com/business/economy/one-man-wanted-financial-certainty-and-fun-in-retirement-here-is-his-formula/2019/06/07/a672053e-887b-11e9-98c1-e945ae5db8fb_story.html https://www.bloomberg.com/opinion/articles/2019-06-10/10-things-people-in-finance-should-never-say

This month Dave and Steve start off the show talking about a blood test that predict dementia (2:40) and how this might impact the future of long term care insurance. Then they switch gears and talk about Steve’s golf instructor (8:35) . How is his method of teaching golf a lot like the Capitol Retirement Strategies method of financial planning?

In this episode Dave and Steve discuss why good financial advice doesn’t always make for good headlines. In both finance and sports, “hot takes” and bold predictions attract attention. Tune in to hear more!

In this episode Dave and Steve provide a brief update on the market and then dive into the changes in Long Term Care insurance. The landscape for this insurance is changing dramatically as more and more carriers leave the marketplace. Tune in for all the details!

At long last, “Plan for Life Now” reached their milestone 50th episode. In this episode Dave and Steve take a trip down memory lane and discuss the origins of the podcast and Capitol Retirement Strategies. They discuss their days at WMAL, super producer Ken Hunter, Old Man Dividend, the worship of Barry Ritholtz, Liar BS Corner, making Redskin picks and much much more. Enjoy!

In this episode Dave and Steve discuss the government shutdown and the effects on local employees. In the second half of the episode they discuss columnist Barry Ritholtz’s annual list of what he got right and what he got wrong.

Old Man Dividend makes an encore performance as market volatility continues. Listen to the latest episode to find out what Dave and Steve recommend. Should he sell now? Or use this as an opportunity to buy?