Beyond Finances

Beyond Finances provides motivated professionals with young families with new ideas and perspectives on how to use money and strategic financial planning to get more of what you want from life. Each episode features real, direct, and nuanced conversations about the challenge of planning for the long-term - while we live in the here and now. The podcast seeks to go beyond basic financial advice, rules of thumb, and spreadsheet math to help listeners think more deeply and clearly about how to optimize personal finances while also fully experiencing what matters most along the way. Hosted by Eric Roberge, CFP, a fee-only financial advisor who helps his clients take advantage of opportunities while minimizing risk, Beyond Finances aims to translate the theory of advice into the actual practice of using money as a tool to build wealth while enjoying life now. Eric founded Beyond Your Hammock, a wealth management firm based in Boston MA but serving clients virtually with the goal of giving motivated professionals a strategic approach to building wealth that considers all aspects of life, not just finances - one that allows clients to live well today while still planning responsibly for the future. The show is co-hosted by Kali Roberge, who runs operations and marketing for Beyond Your Hammock - and is also Eric's business partner and spouse. Their open, authentic, and vulnerable conversations help listeners see both what's possible when you know how to leverage your resources of time, energy, and money to build wealth - but also what tough decisions, tradeoffs, and challenges working couples with young families might face along the way. There are a lot of options for growing and securing wealth - but the only possibility that matters is the one that actually works for you. If you're tired of black and white advice, join us for conversations about financial planning and wealth building that actually dig into the nuance of creating your own unique path to financial success. Ready to go beyond the podcast? You can reach out to Beyond Your Hammock at [email protected] or go to BeyondYourHammock.com/Schedule to request a complimentary consultation complete with personalized one-page financial plan.

How Kids Change You - and Your Financial Plan 08/25/2023

Money Tips from a Boston Financial Planner: Your Questions, Answered 08/04/2023

Protecting Family Wealth: How to Safeguard Your Assets and Your Stuff 07/14/2023

Protecting Family Wealth: How to Safeguard Your Assets and Your Stuff In the last episode of our 3-part series on strategic planning for your finances is all about protecting family wealth. If you're working hard to build assets, you need to protect that growing net worth - and part of that is making sure you and your family will be financially stable no matter what curveballs you may face along the way. Instead of just running through "insurance 101" or defining parts of an estate plan, we're pulling back the curtain and showing you what a financial planner has for his personal finances and why he has it. We'll discuss the types of insurance policies we personally have, and walk through the documents that make up our estate plan. Expect to hear: -- Why we have to have this conversation in the first place - because it's not enough to build wealth. You have to protect it (and yourself, and your family) too! -- What we looked for in a health insurance plan -- The property & casualty insurance you have to have, and a separate, additional policy you might want to consider as well -- What kind of life insurance we each have and what purpose it serves -- The importance of disability insurance for professional couples -- How we've protected ourselves, our family, and our stuff with a comprehensive estate plan, what an estate plan actually does (it's WAY more than just wills!), and why almost everyone needs some type of estate plan for themselves, regardless of how much money you have If you've made it this far, you know the importance of putting financial goals and decisions in the context of your values so you can sort through competing priorities. You know you need to build a financial plan that uses specific strategies to address your particular challenges and opportunities. And you understand that planning is key - but investing is critical, if you want to build real wealth. Once that wealth-building machine is in motion, don't leave it vulnerable. Start here to understand the steps you can take to start protecting family wealth - which includes you and your loved ones, too. /episode/index/show/beyondfinances/id/27457284

Strategic Planning, Part II: Investment Management 06/23/2023

Strategic Planning, Part II: Investment Management Welcome back to our series on strategic planning for your personal finances. Today's episode is part II, and we're covering all things investment management. We'll talk through what you need to do to put together a sound investment strategy for yourself, and the to-dos any investment manager should take (whether that's you as a DIYer, or an advisor who you hire to manage your assets for you). This episode covers: Assessing risk tolerance and risk capacity (and the difference between the two) Understanding your investment time horizon Allocating your assets correctly (which does NOT just mean what percentage of your portfolio should be in stocks vs. bonds) Selecting investments and coordinating account types Diversifying your investments - in all kinds of ways! Diversification of specific assets, across asset classes, with the specific vehicles you use (and what specific assets you put into each account or vehicle you use) Considering tax impacts of your investment choices (and the tax planning you should do for your investment portfolio) Calibrating your portfolio for the return you need (which includes knowing reasonable return expectaions) Remembering fees and expense ratios - and other basics like rebalancing Explaining why tax loss harvesting is not right for everyone (sorry) Doing ongoing due dilligence to understand if and when you should replace assets in your portfolio Choosing contribution strategies Setting up standard rules to guide your ongoing decisions and complete maintenance over time Ultimately, you should understand your investment stategy and why you set it, so you can stick to it when things get wonky in the markets (which is inevitable over time). Finally, we'll give you the most important strategic planning advice for going through the process of setting up an investment management system that works for you: a good strategy, stuck with over time, is better than the "best" strategy you found only after trying multiple different things and interrupting your progress with each change. Let's dive in and get into some investment management! /episode/index/show/beyondfinances/id/27162156