Mind Your Money with Bradshaw Rogers Financial Partners
The Mind Your Money Podcast is an extension of the great education and conversation the Bradshaw Rogers Financial Partners team has always believed in. This show will extend the kinds of financial and retirement planning topics we've covered over the years in our video series and blogs with the added ability to highlight and elevate some of the top business owners and leaders in and around Salisbury, NC. Your hosts are Trent Bradshaw and Brandon Rogers of Bradshaw Rogers Financial Partners. If you would like to be a guest or ask Trent and Brandon a question, please reach out. Email office@bradshawfp.com or call 704-216-2260. Discussions in this show are for educational purposes only. Information presented should not be considered specific investment advice or a recommendation to take any particular course of action. Always consult with a financial professional regarding your personal situation before making financial decisions. The views and opinions expressed are based on current economic and market conditions and are subject to change. All investing involves risk, including the potential for loss of principal. Securities and Advisory Services offered through United Planners Financial Services, Member FINRA, SIPC. Bradshaw Rogers Financial Partners and United Planners are not affiliated. United Planners and its representatives do not offer tax or legal advice.
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The First Year of Retirement: 5 Must-Do Steps for a Strong Start
12/31/2025
The First Year of Retirement: 5 Must-Do Steps for a Strong Start
Kick off your retirement with confidence! In this episode, we reveal the powerful “first year rule” and the five must-do steps to creating healthy habits with your finances, lifestyle, and well-being. Discover why these areas set the stage for lasting fulfillment, and what most retirees overlook. If you want to thrive from day one, click play! Here’s some of what we discuss in this episode: 🕰️ First-Year Rule: Why year one matters most 💸 Financial Adjustment: Shifting from saving to spending 🌱 Purpose & Routine: Creating meaning beyond work 🏥 Health Focus: Prioritizing wellness early 🚗 Test-Driving Plans: Trying big ideas before committing Contact: Website: Email: office@bradshawfp.com Call: 704-216-2260
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Understanding IRMAA: How Your Income Impacts Medicare Premiums
12/18/2025
Understanding IRMAA: How Your Income Impacts Medicare Premiums
Many retirees are surprised to learn that Medicare isn’t always as “set it and forget it” as they expected. In this episode, we demystify IRMAA, the income-related surcharge that can quietly reduce your Social Security check if your income crosses certain thresholds. What planning strategies can help reduce or avoid IRMAA altogether? Tune in to find out. Here’s some of what we discuss in this episode: 🧾 IRMAA Defined: why higher income triggers Medicare surcharges 🎯 Who’s Impacted: retirees, business owners, and high earners 💵 Premium Impact: how IRMAA reduces Social Security checks 🛡️ Mitigation Strategies: planning moves to lower exposure ⚠️ Special Cases: exceptions, appeals, and one-time income events Contact: Website: Email: office@bradshawfp.com Call: 704-216-2260
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The Real Cost of Lending Someone Money
12/04/2025
The Real Cost of Lending Someone Money
It’s one of the toughest financial moments you’ll ever face: someone you care about needs help, and you feel torn between wanting to support them and protecting your own financial future. In this episode, we talk openly about the emotional pressure of lending money to friends and family, and the real consequences most people don’t think about until it’s too late. You’ll hear a balanced look at boundaries, alternatives, and healthy ways to navigate these situations without damaging relationships or your retirement plans. Here’s some of what we discuss in this episode: 🤝 Lending to Loved Ones: the emotional and financial tension behind saying “yes” 💸 Counting the Hidden Costs: how helping someone can quietly hurt your plan 📜 Taxes & Legal Protection: what you need to know before signing anything 💡 Better Ways to Help: alternatives that support others without risking your own stability Contact: Website: Email: office@bradshawfp.com Call: 704-216-2260
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The Five People You Meet Before Retirement
11/20/2025
The Five People You Meet Before Retirement
In the book The Five People You Meet in Heaven, each person the main character meets helps him understand his life in a new way. So who are the five people you should meet before retirement? People who can guide your next chapter and help you retire with clarity, confidence, and purpose. After all, retirement isn’t just about money, it’s about people, preparation, and purpose. You’ll hear why each person on the list plays a key role, from building a solid financial plan to protecting your legacy and staying healthy. Trent and Brandon break down the timing, the “why,” and the practical impact of connecting with the right experts early. Retirement is a big shift, not just in how you spend your money, but in how you spend your time. These five people can help you get it right. Here’s some of what we discuss in this episode: 🧭 Why your financial advisor is the first person to meet, and when to meet with them 📜 How an estate planner helps you protect your legacy and loved ones 🧠 The mental health & mobility benefits of staying physically active 📝 One legal document most people forget 💬 Why retirement success isn’t just numbers Contact: Website: Email: office@bradshawfp.com Call: 704-216-2260
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The Lazy Way to Retire? Let’s Talk Target-Date Funds
11/06/2025
The Lazy Way to Retire? Let’s Talk Target-Date Funds
Target-date funds just passed $4 trillion in assets. They’re now the default investment in many 401(k)s, and millions of Americans are using them without really understanding how they work. So, are they a smart choice… or just the easiest one? Let’s look closer at the rising popularity of target-date funds and explain what you really need to know if your 401(k) is riding on one. These “set it and forget it” options offer built-in diversification and automatic rebalancing, but they’re not a one-size-fits-all solution. You’ll learn how target-date funds work, why they became the default choice after the 2008 financial crisis, and what they do (and don’t) protect you from as you near retirement. The guys also break down common misconceptions, why these funds never go 100% conservative, and when it might make sense to switch strategies. Here’s some of what we discuss in this episode: 💰 Target-date funds now hold over $4 trillion, should you be using one? 📆 How these funds automatically adjust risk as you age ⚠️ The catch: they’re not as conservative as you might think 📉 When autopilot investing can backfire in volatile markets 🧩 How to decide if you should stay in a TDF or build your own strategy Contact: Website: Email: office@bradshawfp.com Call: 704-216-2260
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Legacy vs. Living Gift: Finding the Right Time to Give
10/16/2025
Legacy vs. Living Gift: Finding the Right Time to Give
You’ve worked hard, saved well, and now you’re thinking about giving back—maybe to your kids, your grandkids, or a cause you care about. But should you wait and pass that wealth on later, or give while you’re still around to enjoy the impact? Let’s talk about how to make that decision with confidence. Today, Trent and Brandon break down the practical and emotional aspects of gifting during your lifetime versus leaving a legacy. They discuss how to prioritize your own financial security first and the risks to avoid before handing over large sums. You’ll also learn the ins and outs of annual gift tax limits, Qualified Charitable Distributions (QCDs), and how to support others without jeopardizing your own retirement. Stick around to hear why how you give may matter even more than how much you give. Here’s some of what we discuss in this episode: 💸 Annual gifting limits and how couples can double the impact 🏠 Helping kids with home purchases or life transitions 🧾 Using QCDs for charitable giving with tax benefits 🧠 Emotional and financial readiness of recipients 🏥 Why protecting your spouse and planning for healthcare is key before giving Contact: Website: Email: office@bradshawfp.com Call: 704-216-2260
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The 4% Rule Gets a Makeover
10/02/2025
The 4% Rule Gets a Makeover
The 4% rule gets talked about like gospel in retirement planning. But let’s be honest, it’s always been more of a rough guess than a golden rule. Now, its original creator is revising it to 4.7%. So, does that mean your retirement paycheck just got a raise, or is this just another headline that oversimplifies a complex decision? Today we’ll break down what the 4.7% update really means for your retirement strategy. We’ll explore how the original rule came to be, why it might be evolving, and—most importantly—why this number isn’t a free pass to spend more. Find out which real-life factors affect your withdrawal strategy and how to build a plan that’s flexible, realistic, and tailored to your life. You'll also hear why rules of thumb are helpful starting points, but never the final word. Here’s some of what we discuss in this episode: 📈 Why the 4% rule is being revised to 4.7% 🧾 How portfolio mix changes your withdrawal strategy 🧠 Why your personal safe withdrawal rate might be lower or higher than the headline 🪣 How “bucket strategies” work to stabilize retirement income across market cycles 🏛️ Why tax legislation and inflation are just as important as market performance Contact: Website: Email: office@bradshawfp.com Call: 704-216-2260
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Back To School Retirement Planning Quiz
09/18/2025
Back To School Retirement Planning Quiz
Back-to-school season isn’t just for kids; it’s a good reminder for pre-retirees and retirees to sharpen their financial knowledge, too. In this episode, Trent and Brandon put listeners through a “retirement planning pop quiz” covering Social Security, IRA contributions, RMDs, and more. Think of it as a back-to-school refresher course designed to test what you know and teach you what you don’t. They break down how Social Security rules have shifted over the years, why Roth accounts can be such a powerful tool, and how changes to contribution limits could impact your retirement savings strategy. The conversation also highlights some of the biggest financial risks retirees face, from healthcare costs to market downturns, and why having a complete, customized plan makes all the difference. Tune in to see how your “retirement report card” stacks up and why brushing up now could keep you financially confident in the years ahead. Here’s some of what we discuss in this episode: 🧾 At what age can you receive full Social Security benefits if you were born after 1960? 💰 What’s the maximum annual IRA contribution for individuals age 50 and older in 2025? 📉 Which retirement accounts require you to take RMDs? 📊 What does the 4% rule refer to in retirement planning? 🛡️ What financial risks do retirees face? Contact: Website: Email: office@bradshawfp.com Call: 704-216-2260
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Mailbag: One Big Beautiful Bill Edition
09/04/2025
Mailbag: One Big Beautiful Bill Edition
You’ve heard about the “One Big Beautiful Bill,” but let’s get to what really matters: your questions. In this listener mailbag episode, Trent and Brandon tackle real concerns from clients and pre-retirees trying to make sense of what this tax overhaul actually changes. They’ve read all the fine print, so you don’t have to. Should you still consider moving to a no-income-tax state like Florida? Can your part-time tips or church donations finally earn you a break on your tax bill? The guys break it all down with their usual clarity, humor, and no-nonsense advice. If you’re overwhelmed by headlines and unsure what’s fact or fluff, this episode offers the straight answers you’ve been looking for, and maybe even a few surprising insights along the way. Here’s some of what we discuss in this episode: 🧮 The new $6,000 deduction for couples over 65 🚗 New car loan deduction rules 🏙️ SALT deduction cap jumps from $10K to $40K 🌴 Retiring in a no-tax state: still worth it? ⛽ Part-time workers & tip exemptions 🎁 Charitable giving for non-itemizers Contact: Website: Email: office@bradshawfp.com Call: 704-216-2260
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Big Beautiful Bill Myths Debunked
08/21/2025
Big Beautiful Bill Myths Debunked
Big tax law changes always bring big rumors. But before you assume Social Security is now tax-free or that you’re getting a $40K deduction just for breathing, let’s set the record straight on what this new bill didn’t actually do. In this episode, Trent and Brandon tackle the myths swirling around the recently passed “Big Beautiful Bill” and give you the facts you need to make smart financial decisions. They clarify what truly matters (and what doesn’t) by debunking myths about estate tax exemptions, charitable deductions, and the reality behind so-called 'permanent' tax brackets. While some changes are helpful, others are overhyped. That’s where a financial plan makes all the difference. Here’s some of what we discuss in this episode: 📢 Social Security taxation and retirement deductions 🏡 Federal estate tax exemption doesn’t eliminate planning 🚗 Car loan interest deductions are limited 💡 Charitable and other above-the-line deductions exist, but have limits 🎯 New deductions have income and filing limits Contact: Website: Email: office@bradshawfp.com Call: 704-216-2260
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What The “Big Beautiful Bill” Means For Your Retirement Plan
08/07/2025
What The “Big Beautiful Bill” Means For Your Retirement Plan
A new tax bill has officially passed (you’ve probably heard it mentioned as the “Big Beautiful Bill”). And while most headlines are focused on politics, we’re focused on what it means for your retirement. The choices you make in the next year or two could have a significant impact on how much you keep and how much goes to Uncle Sam. In this episode, Trent and Brandon break down the most important aspects for retirees, pre-retirees, and everyday earners. They walk through key provisions of the bill- like extended lower tax brackets and a potentially game-changing deduction for seniors. You’ll also hear about enhanced bonus depreciation for small business owners and landlords, charitable giving updates, and some unexpected perks, like tax relief on tips, overtime, and even auto loan interest. Tune in to hear how the new bill could impact your financial future and find out which opportunities could expire before you know it! Here’s some of what we discuss in this episode: 💸 Why “permanent” tax changes that aren’t so permanent ⏳ What extended lower tax brackets means for tax planning 👵 A new $12,000 senior deduction (and how income thresholds affect eligibility) 🏡 The 100% bonus depreciation for small business owners and landlords 🚗 New tax perks for workers: No taxes on tips, overtime, and auto loan interest Contact: Website: Email: office@bradshawfp.com Call: 704-216-2260
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Type A Investors: Why Doing Less Might Be Your Best Move
07/17/2025
Type A Investors: Why Doing Less Might Be Your Best Move
Today, we’re talking about Type A personalities. If you’re driven, competitive, and goal-oriented, then you’re part of the club that often struggles during difficult markets. When things get tough, your instinct is to work harder, push more, and fix the problem. But in investing, that instinct can sometimes backfire. In this episode, Trent and Brandon break down a list of hard-hitting questions made famous by CNBC’s Josh Brown, designed to challenge the habits and headspace of high-achieving, Type A investors. From sky-high expectations to the instinct to jump in and out of the market, they get real about what works and what backfires when markets get shaky. Trent shares why taking control doesn’t mean constantly making moves, and Brandon digs into how patience (plus a little math) can save you from yourself. You might be surprised to learn about the risks you think you're taking versus the ones you're actually exposed to. Here’s some of what we discuss in this episode: 📊 Are your return expectations realistic? ⚠️ The problem with trying to time the market 🧠 Why emotions are terrible investment advisors 🔄 The danger of jumping in and out 👥 The value of a second set of eyes on your plan Contact: Website: Email: office@bradshawfp.com Call: 704-216-2260
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Mailbag: Should I Buy the Dip or Wait It Out?
07/03/2025
Mailbag: Should I Buy the Dip or Wait It Out?
Market dips can rattle even the most seasoned investors. In this episode, Trent and Brandon tackle some of the most common questions they're hearing from clients right now. From pre-retirees worried about protecting their portfolios to investors wondering if it’s time to buy the dip, the discussion focuses on practical ways to stay steady and avoid costly mistakes. They emphasize the importance of understanding your risk tolerance, having a clear time horizon, and staying diversified- even when it feels like everything is down. If you’ve found yourself stressed by recent market swings or second-guessing your plan, this episode might be just the perspective you need to move forward with confidence. Here’s some of what we discuss in this episode: 📉 Why it’s important to stay patient and not react emotionally during market declines 🤯 Common emotional traps like panic selling and obsessively checking your accounts 💵 Is now the time to “buy the dip”? 🛠️ Why diversification still matters (even when it doesn’t feel like it) 🧠 Aligning your risk level with your goals, especially when retirement approaches Contact: Website: Email: office@bradshawfp.com Call: 704-216-2260
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Retired But Not Done: Fun, Flexible Ways to Earn and Stay Engaged
06/19/2025
Retired But Not Done: Fun, Flexible Ways to Earn and Stay Engaged
Retirement isn’t a full stop- it’s a new chapter! For many, it’s not about doing nothing; it’s about doing something different. Whether it’s boredom after the first six months, the desire to stay active, or a financial nudge to earn a little extra, more retirees are choosing to “unretire” with purpose. In this episode, Trent and Brandon share creative and meaningful ways retirees can stay active, engaged, and fulfilled during their retirement years. This conversation explores the wide world of second-act opportunities, from consulting and tutoring to dog-walking, antique dealing, car detailing, and part-time retail gigs. You’ll hear real stories of retirees turning hobbies into income and using their expertise in flexible, fulfilling ways. If you’re wondering what comes after retirement, this episode may just open the door to your next great chapter. Here’s some of what we discuss in this episode: 🧠 Why keeping your mind engaged matters after retirement 🎸Creative outlets that pay- from guitar lessons to antique dealing 🛍️ The perks of part-time, flexible work 👶 Grandkids, gig work, and giving back Contact: Website: Email: office@bradshawfp.com Call: 704-216-2260
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Key Things Parents & Grandparents Should Teach New Graduates
06/05/2025
Key Things Parents & Grandparents Should Teach New Graduates
Graduation season is an exciting milestone, not just for the grads, but for parents and grandparents who have supported them along the way. Today, Trent and Brandon share practical ways you can help your graduate make smart financial decisions early, along with actions that could have a lasting impact on their future. From the power of compounding and Roth IRAs to budgeting basics, emergency funds, and debt traps, they outline the conversations that can help shape a graduate’s financial mindset for years to come. You’ll also hear meaningful gift ideas that aren’t just a check in an envelope. Whether you're a parent, grandparent, or mentor, this is a chance to inspire confident financial habits before your grad steps into their next chapter of life! Here’s some of what we discuss in this episode: 📈 Why compounding beats cramming- so start early! 💳 Debt traps and how to help graduates dodge them 🏠 Should you rent or buy after graduation? 🛟 Building an emergency fund 🎁 Creative graduation gifts that build wealth Contact: Website: Email: office@bradshawfp.com Call: 704-216-2260
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Mother’s Day Special: The Gift of Financial Security
05/15/2025
Mother’s Day Special: The Gift of Financial Security
Mother’s Day may have passed, but there’s still time to give a gift that truly matters- helping ensure the important women in your life are financially strong for years to come. While money conversations can feel uncomfortable or even taboo, they’re essential for creating peace of mind and avoiding confusion down the road. From overlooked life insurance policies to disorganized accounts, too many families are left scrambling simply because no one had “the talk.” In this episode, Trent and Brandon break down how to have meaningful financial conversations with moms at every life stage: retired, young, or caring for both kids and aging parents. They discuss why getting organized matters, what documents and policies often go unnoticed, how to prepare for long-term care needs, and the overlooked value of digital literacy and cybersecurity. If you’re looking to give a gift that truly matters this year, start here, with the tools and questions that can bring clarity, confidence, and comfort to your loved ones. Here’s some of what we discuss in this episode: 💐Why a "money talk" might be the most valuable Mother’s Day gift ⚠️The hidden risks of letting one partner handle all the finances 🔒 Protecting aging parents from online fraud 🤝 Building your financial dream team: CPAs, attorneys, and advisors Contact: Website: Email: office@bradshawfp.com Call: 704-216-2260
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What the Greats Say About Market Crashes
05/01/2025
What the Greats Say About Market Crashes
When the market is crashing, it's easy to feel like you're the only one who's ever felt this anxious. But the truth is, some of the greatest investors in history have lived through chaos, and they left behind wisdom that still applies today. In this episode, we turn to voices like Warren Buffett, Benjamin Graham, and Jack Bogle to remind us how to think, act, and stay grounded when everything feels uncertain. Tune in for timeless lessons about controlling your emotions, staying the course, and avoiding costly mistakes like panic selling or trying to time the market. You'll hear why staying disciplined during downturns has always been the key to long-term success, and why the "this time is different" mindset can be one of the biggest traps for investors. Here are the quotes we discuss in this episode: 💬 “Be fearful when others are greedy, and greedy when others are fearful.” 💬 “The investor’s chief problem - and even his worst enemy - is likely to be himself.” 💬 “Stay the course. No matter what happens, stick to your program…” 💬 “The four most dangerous words in investing are: ‘This time it’s different.’” 💬 “Far more money has been lost by investors preparing for corrections… than has been lost in the corrections themselves.” 💬 “Risk is what’s left over when you think you’ve thought of everything.” Contact: Website: Email: office@bradshawfp.com Call: 704-216-2260
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Retirement Lessons From The Masters
04/17/2025
Retirement Lessons From The Masters
The Masters is a beautiful reminder of how much strategy, patience, and long-term focus go into a great round of golf. Turns out, retirement planning works the same way. In this episode, Trent and Brandon tee up five key lessons from the Augusta National and show how they translate into smarter financial decision-making. They explore why chasing a “hole-in-one” stock rarely works, why a single financial tool isn’t enough, and how to prepare for the unexpected risks that show up later in life. You’ll also hear why the last phase of retirement planning can be just as important as the early years and how working with a trusted advisor can help you avoid the costly mistakes that sideline so many investors. Whether you're still saving or already drawing from your accounts, this episode will help you think more clearly about how to stay steady, avoid hazards, and finish your financial game strong. Here’s some of what we discuss in this episode: ⛳ A hole-in-one won’t win retirement 📊 Why you need a full “bag” of financial tools ⚠️ Hazards like inflation and taxes can derail your plan 📉 The final stretch of retirement may be the riskiest 🤝 Why every pro needs a caddy (aka an advisor) Contact: Website: Email: office@bradshawfp.com Call: 704-216-2260
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Retirement Assassins: The Silent Killers of Your Financial Future
04/03/2025
Retirement Assassins: The Silent Killers of Your Financial Future
The thing about assassins in the real world is that they’re sneaky and you don’t see them coming. And the assassins in the retirement planning world are exactly the same way. Let’s talk about some of the retirement assassins that can destroy your retirement if you’re not on guard. From stock market crashes to unexpected costs, many factors can derail your plans without warning. Whether it’s the rise of inflation, increased healthcare costs, or the loss of a spouse’s income, we’ll discuss how you can proactively combat some of these silent threats. Here’s some of what we discuss in this episode: Having an income plan to help mitigate losses during market corrections The high costs of nursing homes and assisted living The financial implications of losing a spouse Planning for a longer life expectancy to ensure your savings last Contact: Website: Email: office@bradshawfp.com Call: 704-216-2260
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If You’re a Smart Investor, Do You Really Need a Financial Advisor?
03/06/2025
If You’re a Smart Investor, Do You Really Need a Financial Advisor?
If you’ve spent years successfully managing your own investments, do you really need a financial advisor? That’s the question Bob, one of our listeners, sent in. He’s got an MBA, knows the markets well, and has always handled his portfolio solo. So, is working with an advisor just an extra expense, or could it actually add real value? In this episode, we break down when and why even experienced investors might benefit from professional guidance and when they’re probably fine on their own. Here’s some of what we discuss in this episode: Where financial advisors add value that DIY investors might not consider Common financial blind spots or mistakes that smart DIY investors tend to overlook What happens when life changes? What Trent and Brandon would say to investors who are skeptical that an advisor could improve their financial situation Contact: Website: Email: office@bradshawfp.com Call: 704-216-2260
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5 Financial Mistakes to Avoid in Your 60s
02/20/2025
5 Financial Mistakes to Avoid in Your 60s
Financial mistakes can happen at any age, but they can have a particularly significant impact in your 60s. In today’s episode, Trent and Brandon discuss 5 common financial blunders to avoid during this pivotal decade. They’ll break down the missteps that could derail your retirement plans, from claiming Social Security without a plan to failing to protect your assets as you move into retirement. They’ll also share practical strategies to help you stay on track and make informed financial decisions. Tune in to ensure you’re not making these 5 financial mistakes! Here’s some of what we discuss in this episode: The impact of unnecessary spending on retirement plans Overlooking healthcare costs and insurance planning Failing to protect your assets as you move into retirement Taking or delaying Social Security benefits without a plan Omitting an estate plan Contact: Website: Email: office@bradshawfp.com Call: 704-216-2260
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The New Retirement: Why Many Are Choosing Work Over Leisure
02/06/2025
The New Retirement: Why Many Are Choosing Work Over Leisure
A on Fortune highlights a growing trend among baby boomers: continuing to work well into their 60s and 70s. Surprisingly, this not out of necessity, but for the mental stimulation, social connections, and fulfillment that work provides. With nearly 20% of Americans over 65 still employed, this shift is challenging traditional views of retirement and sparking important conversations about what it means to truly retire. Join us as we explore this growing trend on today’s show. Trent and Brandon have seen firsthand how important it is to have a plan for how you’ll spend your time in retirement. Could staying in the workforce be the right choice for you? Here’s some of what we discuss in this episode: The importance of knowing what you’re retiring to The loss of purpose and loneliness that some retirees can feel Some considerations to keep in mind if you’re planning to work part-time or as a contractor The shifting attitudes toward work and retirement in younger generations Contact: Website: Email: office@bradshawfp.com Call: 704-216-2260
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New Year, New Me: How To Change Your Money Attitude In 2025
01/30/2025
New Year, New Me: How To Change Your Money Attitude In 2025
As we kick off 2025, a lot of people consider what they want the year to look like and how to put their best foot forward, especially financially. Think: “new year, new me!” To figure out what the new “you” is all about, sometimes it helps to reflect first on what you’ve done in the past and what you want to change moving forward. In this episode, we’ll dive into some common financial pitfalls- like overspending, neglecting investments, or not having a clear financial plan- and explore practical ways to shift toward smarter money management in 2025. Whether it’s creating a budget that actually works, making informed investment decisions, or simply getting a better handle on your overall financial picture, tune in for helpful changes you can make this year to embrace the new you. Here’s some of what we discuss in this episode: Prioritizing what you spend on Making room in your financial plan for enjoyment Taking the time to list out your accounts and the amounts in them Getting your investments back on track Making a plan that is specific to your goals and your needs Contact: Website: Email: office@bradshawfp.com Call: 704-216-2260
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401(k)s, Social Security, & Spousal Finances: Answering Your Top Money Questions
01/02/2025
401(k)s, Social Security, & Spousal Finances: Answering Your Top Money Questions
Kick off the New Year by gaining valuable financial insights. In this episode of the Mind Your Money podcast, Trent and Brandon dive deep into listener questions covering a wide range of topics. Join them as they break down questions around maximizing 401(k)s, when you should be looking at taking your Social Security benefit, how spouses can get on the same page financially, and the fear of a future market crash. Here’s some of what we discuss in this episode: Spousal Financial Harmony: Discover practical strategies to bridge the gap between spouses' financial perspectives and achieve shared goals. 401(k) Optimization: Learn how to maximize your 401(k) contributions and investment choices to build a strong retirement foundation. Social Security Timing: Explore the complexities of Social Security benefits and determine the optimal age to start claiming to maximize your lifetime income. Conquering Market Crash Anxiety: Address the fear of market downturns and develop a robust investment strategy that can weather economic storms. Contact: Website: Email: office@bradshawfp.com Call: 704-216-2260
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Unlikely Wisdom: Financial Advice From Your Favorite Celebrities
12/19/2024
Unlikely Wisdom: Financial Advice From Your Favorite Celebrities
You wouldn’t necessarily expect Mike Tyson, Kim Kardashian, and Snooki to dispense valuable insights about financial planning matters. In fact, you’d probably expect the opposite. But with a little bit of creativity, we can get some financial planning pearls of wisdom from even the most unlikely of sources. Listen in to today’s show as we break down quotes from some of your favorite celebrities to see what financial lessons we can learn from them. Trent and Brandon will discuss attacking financial challenges head-on, why a plan is crucial to helping you stay on track, taking charge of your finances, and much more. Whether you’re a fan of celebrity and entertainment culture, or you’re looking for some financial guidance, there’s something for you in today’s episode. Here’s some of what we discuss in this episode: Tackling your financial problems head-on The importance of planning so you’re ready for the unexpected Taking charge of your finances Focusing on solutions Contact: Website: Email: office@bradshawfp.com Call: 704-216-2260
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Is Living Off Dividends A Solid Retirement Income Strategy?
12/05/2024
Is Living Off Dividends A Solid Retirement Income Strategy?
In this episode of Mind Your Money, Trent and Brandon cover a few different topics. First, they explore the pros and cons of using dividend-paying stocks as a retirement income strategy. They’ll also dive into the impact of market crashes and how your stage in life influences your approach to risk management. Finally, they explore the key differences in retirement planning for Baby Boomers and Gen Xers. This episode covers a lot of ground, so be sure to reach out to Trent and Brandon if you have any questions. They’re here to help! Here’s some of what we discuss in this episode: Some pros and cons of dividend stocks + taking a balanced approach to investing The impact of market crashes on different age groups The differences in retirement planning for Gen X and Baby Boomers Contact: Website: Email: office@bradshawfp.com Call: 704-216-2260
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The Future Of Social Security: What To Expect
11/21/2024
The Future Of Social Security: What To Expect
Congressman Brendan Boyle recently asked the Congressional Budget Office to study the potential impact of raising the full retirement age for Social Security from 67 to 69. While this change is purely hypothetical for now, it highlights an important issue for the future of Social Security. Social Security will likely be around in some form for the foreseeable future, but it’s unlikely to stay exactly as it is today. Listen in as Trent and Brandon break down the proposal from Congressman Boyle and discuss why they believe long-term fixes to Social Security are needed. Here’s some of what we discuss in this episode: A recent proposal to raise the retirement age from age 67 to age 69 Making Social Security more sustainable in the long term The pros and cons of increasing the full retirement age Cutting your own path for your retirement Resources for this episode Learn more about this proposal here: Contact: Website: Email: office@bradshawfp.com Call: 704-216-2260
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The Fed Rate Cuts: What You Need To Know
11/07/2024
The Fed Rate Cuts: What You Need To Know
We talk a lot about the Fed on this show- and for good reason. While elections can have an impact on your investments, what the Fed does next might matter even more. In today’s episode, we’re diving into how the Fed’s recent and potential rate cuts will affect retirees, pre-retirees, and anyone focused on growing and protecting their savings. We’ll break down the Fed’s actions over 2024, from early-year uncertainty to the real possibility of a full 1% rate cut by year-end. We’ll also look ahead to 2025, when even bigger rate cuts could be on the table. If you’re curious about the impact of these Fed decisions and how to stay proactive, this episode is packed with timely insights! Here’s some of what we discuss in this episode: The Fed’s 2024 rate cuts + potential cuts coming in 2025 How falling rates impact money market yields Using CDs and fixed-income options to lock in favorable rates How rate cuts could impact overall market performance and economic growth Contact: Website: Email: office@bradshawfp.com Call: 704-216-2260
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The Magic 8 Ball’s Guide to Retirement Planning
10/03/2024
The Magic 8 Ball’s Guide to Retirement Planning
Remember the thrill of shaking a Magic 8 Ball to get answers to your childhood questions? Would we ace that math test? Would we be famous someday? Well, today, we're bringing a bit of that magic back. But instead of asking about pop quizzes and playground crushes, we’re turning to the Magic 8 Ball for advice on something much more important: your retirement planning! What would the Magic 8 Ball have to say about these common retirement questions if it had the wisdom of a financial advisor? Here’s some of what we discuss in this episode: “Should I start saving for retirement now?” “Is 1 million dollars enough to retire?” “Will my retirement plan be affected by future changes in tax laws?” “Should I consider working with a financial professional as I near retirement?” Contact: Website: Email: office@bradshawfp.com Call: 704-216-2260
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Never Stop Asking 'How Do You Know?' - Navigating Retirement Planning
09/19/2024
Never Stop Asking 'How Do You Know?' - Navigating Retirement Planning
Remember when you were a kid, always asking 'How do you know?' about everything, like why the sky is blue or where the sun goes at night? That curiosity doesn't go away as we get older; it just turns into different questions, like the ones we face when planning for retirement. Today, we’re digging into the 'How Do You Knows' of retirement planning. How do you know how much income you’ll need when you retire? How do you know if an advisor is a good fit for you or not? Tune in as Trent and Brandon answer these questions and more on this week’s episode of Mind Your Money! Here’s some of what we discuss in this episode: How do you know how much income you’ll need when you retire? How do you know how much money you should have in your savings account? How do you know how much risk you should be taking with your investments? How do you know if an advisor is a good fit for you or not? How do you know how long your retirement savings need to last? Contact: Website: Email: office@bradshawfp.com Call: 704-216-2260
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