Altmeyer Financial Group

Spokane, Washington based advisor Dave Altmeyer, along with his nephew Jonathan, discuss topics related to retirement planning, guiding listeners through the sometimes complex maze of issues revolving around putting a solid financial plan together, and making sure your post-working years have the money available when you need it, for whatever you need it for.

All About Annuities 12/16/2024

All About Annuities Dave and Jonathan take a look at annuties, the investment vehicle that brings a lot of emotions out in people. They go over which are the best types and which to stay away from if you choose one for your portfolio. They also play a game of two truths and a lie about various financial topics, and get into resolutions for 2025. /episode/index/show/ef4e2939-6546-43fc-9033-b09fabb71343/id/34416320

Protected Income 12/09/2024

Protected Income Dave and Jonathan take a look at strategies designed to provide income that comes in every month to provide what you need to cover your monthly expenses. They also look at four pieces of advice as a retirement reality check to help you realistically plan your retirement lifestyle. /episode/index/show/ef4e2939-6546-43fc-9033-b09fabb71343/id/34307530

More Money - More Issues 12/02/2024

More Money - More Issues Everyone would like to have more money for retirement. But that doesn't mean it would make retirement easier - longevity has to be taken into account to make sure that money lasts as long as you do. Dave and Jonathan discuss how to plan for this regardless of the amount you have saved. They also revisit Gen X just getting into their retirement years, as well as mistakes you may be making when it comes to beneficiaries on your retirement accounts. /episode/index/show/ef4e2939-6546-43fc-9033-b09fabb71343/id/34157255

Balance Your Retirement Portfolio Now 11/25/2024

Balance Your Retirement Portfolio Now Dave and Jonathan talk about the importance of balancing the investment mix in your retirement portfolio so it continues to meet the goals you need, as well as keeping in mind your risk tolerances. Later he talks about financial stressors and how to work around them as much as possible. /episode/index/show/ef4e2939-6546-43fc-9033-b09fabb71343/id/34079711

Preserving and Optimizing Your 401K 11/18/2024

Preserving and Optimizing Your 401K First Dave and Jonathan take a look at a recent study which concludes that the cost of the traditional American Dream lifestyle comes out to nearly $4.5 million over a lifetime. Then they look at the best ways to manage your 401K for the purpose of helping it build up retirement savings, as well as ways to plan for taxes surrounding the distributions you will be taking from those accounts. /episode/index/show/ef4e2939-6546-43fc-9033-b09fabb71343/id/33934732

The Election 11/11/2024

The Election Dave takes a look at the re-election of Donald Trump as president last Tuesday, then he and Jonathan go into the growing government debt that has reached $36 trillion and how a need to pay it off could affect retirement accounts going forward. /episode/index/show/ef4e2939-6546-43fc-9033-b09fabb71343/id/33831257

Taking Control of Retirement 10/28/2024

Taking Control of Retirement The world has been through unprecedented events recently, such as the Covid pandemic, and many of them have folks thinking they have less control of their financial future. Dave and Jonathan discuss how planning can help alleviate some of those fears and make sure your money is there when you need it. They also take a look at some essential planning strategies to help provide retirement income. /episode/index/show/ef4e2939-6546-43fc-9033-b09fabb71343/id/33600252

Medicare 2025 10/14/2024

Medicare 2025 Jonathan opens this podcast by discussing changes to Medicare for 2025 as the annual open enrollment period begins next week. Later Dave joins him to revisit how tax planning can help preserve your nest egg instead of paying more than you have to to the IRS, and also answers listener questions from the mailbag. /episode/index/show/ef4e2939-6546-43fc-9033-b09fabb71343/id/33409217

Optimizing Social Security 10/07/2024

Optimizing Social Security Dave looks at Social Security, one of the most critical parts of any retirement income plan, and how to find certain strategies so you can get the most from your benefits. He also talks about delayed gratification and how it can benefit you in the long run when it comes to savings. /episode/index/show/ef4e2939-6546-43fc-9033-b09fabb71343/id/33314647

Retirement Planning For Women 09/30/2024

Retirement Planning For Women Women have special needs when planning for retirement, especially regarding the fact that many will inherit a plan largely put together by their husband if he passes first. Dave talks about the factors involved and how women can work with an advisor to make sure they are taken care of when their spouse passes. He also looks at investing like a genius, taking tips from legendary pros to help your own plan become more efficient. /episode/index/show/ef4e2939-6546-43fc-9033-b09fabb71343/id/33217767

Helping Captives 09/16/2024

Helping Captives Jonathan's brother Caleb Altmeyer is featured on the first two segments of this podcast discussing his organization Helping Captives (formerly HRC Ministries) and their efforts to help those caught in human trafficking. Dave joins the show for the last half to look at some statistics surrounding retirement planning and answering some listener questions. /episode/index/show/ef4e2939-6546-43fc-9033-b09fabb71343/id/33045647

Taxes in Retirement 09/08/2024

Taxes in Retirement Accounting for taxes in a retirement plan may be the single biggest factor in determining the success of that plan. Dave and Jonathan discuss ways you could save on taxes with proper planning. They also look at the upcoming COLA increase in Social Security, how to move on from past mistakes you may have made in your investing decisions, and answer mailbag questions. /episode/index/show/ef4e2939-6546-43fc-9033-b09fabb71343/id/32915107

Making Retirement Money Last 09/01/2024

Making Retirement Money Last Dave and Jonathan explore ways you can help make your retirement nest egg last through years of retirement, as well as looking at the most common planning mistakes, answering listener questions through the mailbag, and some health care statistics that people should be aware of. /episode/index/show/ef4e2939-6546-43fc-9033-b09fabb71343/id/32778642

Taxes in Retirement 08/25/2024

Taxes in Retirement Dave and Jonathan discuss how taxes can be the most important area of planning - outside of income - you have in retirement, and how you can potentially keep more money in your pocket with the right strategies. They also feature a segment on spousal disagreements about certain aspects of retirement, and also answer questions from the mailbag. /episode/index/show/ef4e2939-6546-43fc-9033-b09fabb71343/id/32677407

The Five Financial Stages of Life 08/18/2024

The Five Financial Stages of Life Beginning with your first job, there are five main stages of financial progress you make as you go through life, all leading up to retirement. Dave and Jonathan discuss how each stage unfolds and how they work with people going through each one. /episode/index/show/ef4e2939-6546-43fc-9033-b09fabb71343/id/32592102

Four Questions About Retirement 08/04/2024

Four Questions About Retirement Have I saved enough? Will my money last? These are two of the four most important questions retirees have on their minds going into retirement. Today Dave and Jonathan take a look at those questions, as well as comparing retirement to running a marathon and being questioned about trivia involving taxes and their history. /episode/index/show/ef4e2939-6546-43fc-9033-b09fabb71343/id/32282577

Reasons To Fire Your Advisor 07/21/2024

Reasons To Fire Your Advisor A good advisor can help you reach your financial goals, but a poor advisor can hold you back. Dave discusses how you can tell if you are getting the kind of advice that's right for you and what to expect from a good advisor. He also gets into doing your financial chores - the kinds of things you might, like other typical household chores, may not want to do but getting them done makes things neater and easier. /episode/index/show/ef4e2939-6546-43fc-9033-b09fabb71343/id/32186797

Planning For Large IRAs 07/14/2024

Planning For Large IRAs Recent changes in IRS regularions have changed the way many people think about tax deferred retirement accounts, and even more so for those who have larger amounts in their IRAs. Dave and Jonathan discuss what you need to know to help avoid big tax hits in accounts such as these. They also connect the dots between financial planning and the latest Inside Out motion picture smash, as well as answer listener questions from the mailbag. /episode/index/show/ef4e2939-6546-43fc-9033-b09fabb71343/id/32068232

Boomers Up To Bat; Gen X On Deck 07/07/2024

Boomers Up To Bat; Gen X On Deck The baby boomer generation is retiring in record numbers, but the next group, the so-called Gen Xers, are in the initial stages of their retirements. Today Dave and Jonathan take a look at what these folks, still mostly in their 50s, should be doing in their final working years to set themselves up for retirement. They also look at headlines of the week as well as the major scams that are working to try and rob retirees of their nest eggs. /episode/index/show/ef4e2939-6546-43fc-9033-b09fabb71343/id/31981467

Make Your Money Work for You 06/27/2024

Make Your Money Work for You Dave and Jonathan discuss how to best make your retirement savings work to provide a steady stream of reliable income for your post-working years. They also look at what could happen in the second half of 2024 with Jeff Bush of the Washington Insider, especially as it relates to how the election could impact such issues as taxes and more. /episode/index/show/ef4e2939-6546-43fc-9033-b09fabb71343/id/31913222

401K and IRA Decisions 06/16/2024

401K and IRA Decisions There are a lot of decisions you need to make regarding these popular retirement savings vehicles. The right ones could help save you hundreds, or maybe even thousands, of dollars in taxes, leaving more in your nest egg for you to enjoy. Dave and Jonathan discuss some of the strategies involved in helping determine what is best for you. /episode/index/show/ef4e2939-6546-43fc-9033-b09fabb71343/id/31735382

Behavioral Finance and You 06/11/2024

Behavioral Finance and You People are very protective about their finances, and sometimes they make moves that turn out not to be in their best interest. Dave and Jonathan take a look at people's behavior about money and how a good financial planner can help steer them away from making decisions that can cost them down the road. /episode/index/show/ef4e2939-6546-43fc-9033-b09fabb71343/id/31699697

Preserving Your Retirement From Taxes 06/11/2024

Preserving Your Retirement From Taxes You'll be hearing this a lot - tax rates will be going up by the start of 2026. Today Dave and Jonathan talk about how planning for these increases now by paying up front could save you a lot of money in the future. /episode/index/show/ef4e2939-6546-43fc-9033-b09fabb71343/id/31699672

Union Gospel Mission Update 05/25/2024

Union Gospel Mission Update On Memorial Day weekend, Phil Altmeyer - Dave's brother and director of Spokane's Union Gospel Mission - joins the show to discuss ongoing homeless issues in the area, how the mission is accomplishing its goal of changing people's lives and why government solutions don't work as intended. /episode/index/show/ef4e2939-6546-43fc-9033-b09fabb71343/id/31456847

Servicing the Debt 05/02/2024

Servicing the Debt Bloomberg recently published an article which said that the current rate of borrowing has left the U.S. on what they termed "an unsustainable path" in 88% of simulation tests run on its financial status. Dave and Jonathan discuss this as well as looking at some common questions people have when it comes to retirement planning. /episode/index/show/ef4e2939-6546-43fc-9033-b09fabb71343/id/31094088

Planning For The Future As A Family 04/17/2024

Planning For The Future As A Family Today Dave and Jonathan discuss the importance of legacy planning and how things need to be addressed so that anything left behind by someone who passes away is re-dispursed in the most efficient way possible to those they are intended for. /episode/index/show/ef4e2939-6546-43fc-9033-b09fabb71343/id/30862343

Spring Cleaning Your Finances 04/01/2024

Spring Cleaning Your Finances Dave and Jonathan first take a look at some tasks you can accomplish this spring to help your financial situation, such as looking at subscriptions and memberships you are no longer using. They also discuss how you can help your nest egg become as tax efficient as possible. /episode/index/show/ef4e2939-6546-43fc-9033-b09fabb71343/id/30622728

The National Debt and More 04/01/2024

The National Debt and More Dave and Jonathan discuss the country's mounting national debt and how you can plan around what are believed to be inevitable tax increases coming to help try and pay it off. They also look at wealth transfer and how gun safety relates to retirement planning. /episode/index/show/ef4e2939-6546-43fc-9033-b09fabb71343/id/30622693

Risks in Retirement 03/21/2024

Risks in Retirement Market volatility could eat into your retirement savings, as could a long term health care event you weren't expecting. Today Dave and Jonathan look at some of the risks your money could face in reitrement, and how proper planning can help mitigate some of them. /episode/index/show/ef4e2939-6546-43fc-9033-b09fabb71343/id/30479208

The Three Stages of Retirement 03/13/2024

The Three Stages of Retirement The go-go years, the slow-go years and the no-go years. These are the nicknames generally given to each of the three stages people go through after they retire, each lasting about a decade. Today Dave and Jonathan discuss these stages and how you need to prepare your money to work in each stage. They also tackle some listener questions about various retirement topics. /episode/index/show/ef4e2939-6546-43fc-9033-b09fabb71343/id/30359548

Altmeyer Financial Group

TOPICS