Preparing for retirement can sometimes feel like you’re gearing up for battle. You have to mount defenses against fees, volatility and taxes while strategizing your balance of risk vs. safety. Like going into real battle, it can be intimidating without the right preparation. But that’s why Certified Financial Planner Jeff Christian is here. He wants to provide you with the armor you need before going onto the financial battlefield. On this show, you'll learn how to plan, protect, and provide your way to a prosperous financial future.
Jeff is a Certified Financial Planner and Chartered Retirement Planning Counselor at Armor Financial Group. His team serves clients throughout New Orleans and the surrounding communities with a main office in Madisonville, Louisiana.
Contact: 985-845-2922
Ep 24: Market Crash Survival Guide Were you prepared for this most recent downturn in the market? If you were, good for you! If not, let’s talk about what you need to do to be ready for the next one. Contact: 985-845-2922 [email protected]/episode/index/show/jeffchristian/id/19061546
Ep 23: Retirement Variables If the variables were the same for everybody, retirement planning would be much simpler. But the fact that everyone is unique and to maximize retirement you’ll work to align the variables with who you are. Contact: 985-845-2922 [email protected]/episode/index/show/jeffchristian/id/19061531
Ep 22: Financial Feelings When you make a financial decision, does it start with looking at the numbers or asking the question, “How do I feel about this?” When should your feelings overrule the numbers, and when should the numbers overrule your feelings? Furthermore, what areas of your retirement plan are most likely swayed by feelings and emotions? Contact: 985-845-2922 [email protected]/episode/index/show/jeffchristian/id/19061513
Ep 21: Universal Retirement Truths There are certain retirement planning principles that apply to everyone regardless of who you are, how much money you have, when you’re retiring, or where you live. Let’s examine these universal truths together to determine how you can maximize the principles to complement your unique retirement plans. Contact: 985-845-2922 [email protected]/episode/index/show/jeffchristian/id/19061498
Ep 20: Stages of Retirement Planning It is no secret that our financial plan will shift and change throughout our lives. However, this is even more prevalent, the closer we get to retirement. Jeff will discuss the different retirement planning stages and what the focus should be when you hit each of these checkpoints. Contact: 985-845-2922 [email protected]/episode/index/show/jeffchristian/id/18749558
Ep 19: Longevity Risk Living a long time isn’t supposed to be a bad thing and it almost seems counterintuitive to categorize if it is a risk. But it is. Let’s take a look at how longevity plays a role in a financial plan and have an honest conversation about how to deal with the “problem” of living too long. Contact: 985-845-2922 [email protected]/episode/index/show/jeffchristian/id/18749543
Ep 18: Paying Off the House Many pre-retirees wonder if they should pay off their house before they go into retirement, or if it’s okay to still carry a mortgage in this phase of life. Jeff will give us some considerations when making this important decision and some common situations he sees with his clients. Contact: 985-845-2922 [email protected]/episode/index/show/jeffchristian/id/18749522
Ep 17: Long Term Care Long term care can be one of the biggest expenses in retirement, but many of us fail to plan for it. A lot of people are uncomfortable with thinking about mortality and avoid the planning altogether, while others don’t know where to start. On today’s show, we talk about the different ways you can plan for long term care and why you should get a plan for this financial aspect of retirement as soon as you can. Contact: 985-845-2922 [email protected]/episode/index/show/jeffchristian/id/18512666
Ep 16: Life Insurance Life insurance is a financial tool that many people have strong opinions about one way or the other. It’s common to see some people praising this life insurance, while others claim it’s not so important. But what’s the truth about life insurance? Today, we discuss what life insurance is, the different policies, and who may be able to benefit from it. Contact: 985-845-2922 [email protected]/episode/index/show/jeffchristian/id/18512636
Ep 15: Risk Tolerance One of the most important factors in a financial plan is the amount of risk you have in your portfolio. You never want to lose sight of how much risk you are comfortable with because this can cause fear, worry, and irrational decisions. Risk varies from person to person, so it’s vital to get your risk tolerance customized to your comfort levels and not in a one-size-fits-all plan. Jeff talks about the considerations he goes through when determining someone’s risk and how a bucket strategy can be quite effective with risk concerns. Contact: 985-845-2922 [email protected]/episode/index/show/jeffchristian/id/18512387
Ep 14: 401(k) Rollovers The 401(k) is one of the most common investment tools out there. A myriad of companies offer their own 401(k) plan and will often match a certain percentage to incentivize employees to contribute to the plan. As you get closer to retirement, you may consider doing a rollover. Some people choose to do this for safety. Investment options, tax implications, and much more. Jeff discusses the basic rules of rollovers and the positive attributes they can add to your retirement plan. Contact: 985-845-2922 [email protected]/episode/index/show/jeffchristian/id/18512342
Ep 13: Traditional Vs. Roth It seems that most people don’t have a clear picture of whether they should contribute to a traditional IRA or a Roth. Let’s discuss how to determine which one is best for you based on who you are. Contact: 985-845-2922 [email protected]/episode/index/show/jeffchristian/id/18418340
Ep 12: Are You Ready to Retire? A lot of people are unsure if they are actually able to retire. Some worry about leaving a career that they love, while others are concerned if they have enough money to last a lifetime. We discuss reasons why you may feel hesitant to retire and how putting a solid plan together can solve these concerns. Contact: 985-845-2922 [email protected]/episode/index/show/jeffchristian/id/18418328
Ep 11: Annuities - What You Really Need to Know Annuities are a hot topic in the financial industry. Some people talk about how much they love them, while others say to stay away from them at all costs. But which side should you believe? Today Jeff discusses the pros and cons of different types of annuities and how they may or may not provide value for a retirement income plan. Contact: 985-845-2922 [email protected]/episode/index/show/jeffchristian/id/18235022
Ep 10: Busting Social Security Myths Social Security is often misunderstood and ill-planned for costing serious lost opportunity for many Americans. Myths, rumors, and misunderstandings are pervasive in the world of Social Security. In this show, we’ll look to clear up the top 5 misunderstandings about Social Security. Contact: 985-845-2922 [email protected]/episode/index/show/jeffchristian/id/18139931
Ep 9: The Importance of the Financial Red Zone When we hear the phrase “red zone,” most of us think of football. When a team is only 20 yards away from the goal line, and minimizing mistakes is key to scoring. We can take this concept to the financial world too. Jeff talks on today’s show about the retirement red zone and why making sound decisions during this time frame can greatly affect the rest of your retirement. Contact: 985-845-2922 [email protected]/episode/index/show/jeffchristian/id/17984456
Ep 8: Understanding the Three Worlds of Money We discuss the three worlds of money: banking, insurance, and wall street. Jeff outlines the pros and cons of each world, how they affect your finances, and strategies you can utilize to maximize the three worlds of money. Contact: 985-845-2922 [email protected]/episode/index/show/jeffchristian/id/17743847
Ep 7: How to Find the Right Advisor A lot of concern goes into trying to pick the proper investments, build a balanced portfolio, and getting the highest return. But how much time have you really put into finding the right advisor to work together with on all these tasks and more? You might be surprised to find out that a lot of people don’t do their due diligence or put in a considerable amount of thought into picking their advisor. And ultimately, that leads a lot of people to not understanding what they should expect from such a relationship. So, we want to clear some of that up on this episode and clarify some of the ways you can evaluate your current advisor relationship and how to shop for, and find, the right advisor for you. Contact: 985-845-2922 [email protected]/episode/index/show/jeffchristian/id/17552426
Ep 6: Legacy & Estate PlanningWhen we talk about comprehensive financial planning for retirement, many people tend to focus on the investments and retirement income they want to achieve. But legacy and estate planning is important and easy to overlook when putting your plan together. Jeff discusses the elements that make up this type of planning and why you should continually make sure it is up to date and relevant to your current situation. Contact: 985-845-2922 [email protected]/episode/index/show/jeffchristian/id/17436704
Ep 5: Health Care PlanningIt’s no secret that the cost of healthcare only continues to rise each year, and so we need to be proactive and plan for these costs. That’s why we decided to dedicate an entire episode to explaining the common healthcare costs in retirement as well as protecting your retirement plan against the cost of long-term care. Contact: 985-845-2922 [email protected]/episode/index/show/jeffchristian/id/17068352
Ep 4: Tax PlanningTaxes in retirement can often be avoided and eliminated through strategy and planning. Jeff talks to us today about the importance of having a tax-efficient plan and some common mistakes that he has seen. Contact: 985-845-2922 [email protected]/episode/index/show/jeffchristian/id/17052062
Ep 3: Investment PlanningA crucial element of a retirement plan is figuring out which investments you need to be in. It’s important you are in objective appropriate and risk-appropriate investment vehicles that match who you are in life. Jeff talks to us today about the bucket management strategy his practice uses and helping people to find and utilize their unique identity within their investments. Contact: 985-845-2922 [email protected]/episode/index/show/jeffchristian/id/16670711
Ep 2: Income PlanningIncome planning is the backbone of every great retirement plan. But many people struggle with nailing down a solid income plan and transitioning from receiving that employer paycheck. Jeff talks about the components of an income plan and how to start assembling one that matches who you are. Contact: 985-845-2922 [email protected]/episode/index/show/jeffchristian/id/16670645
Ep 1: Get to Know Jeff Christian & Armor FinancialWelcome to the first episode of the Retirement Armor podcast! We dedicate the first episode to get to know who Jeff is and to ask Jeff questions about his business, his family, and why he provides educational podcasts and what he hopes people will take away from them. Contact: 985-845-2922 [email protected]/episode/index/show/jeffchristian/id/16658699
