Protect and Grow

Tim Stearns, CFP® andChicagoLand Planning resource helps savers and investors identify opportunities, strategies, and secrets to protect and grow their wealth so you can retire with confidence.

2026 Reminders & Updates 01/10/2026

2026 Reminders & Updates In this episode, we discuss retirement and what 2026 may bring, focusing on economic trends, possible policy changes, and other factors that could influence retirement planning. We walk through key topics to be aware of and share general insights to help you think about how these developments might affect retirement savings and income. The goal is to provide context and awareness so you can stay informed as you plan for the years ahead. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStearns.com /episode/index/show/protectandgrow/id/39678645

Smart Resolutions 01/03/2026

Smart Resolutions Retirement planning often gets framed as an all-or-nothing goal, but smart resolutions take a more realistic approach. In this video, we look at retirement through the lens of steady decision-making, manageable goals, and long-term consistency. The discussion focuses on understanding your current situation, making thoughtful adjustments over time, and avoiding pressure to have everything figured out at once. These smart resolutions are about staying informed and intentional as your retirement plans evolve. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStearns.com /episode/index/show/protectandgrow/id/39595980

Foundation First 12/27/2025

Foundation First Building a strong foundation is key to approaching retirement with confidence. In this video, we explore the essential steps and strategies that help create a solid base for your financial future. From understanding your goals to organizing your resources, laying the groundwork early can make navigating later stages smoother and more effective. Discover practical insights and strategies to help you plan ahead and strengthen your retirement foundation. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStearns.com /episode/index/show/protectandgrow/id/39509125

Steps For Success In The Year Ahead 12/20/2025

Steps For Success In The Year Ahead In this video, we explore practical steps to approach retirement and how to organize different aspects of life during this stage. The focus is on planning, making thoughtful choices, and understanding how priorities may shift over time. Topics include finances, daily routines, and personal goals, all considered in a realistic and reflective way. The video offers a framework for thinking about retirement rather than predicting outcomes. It’s designed to help viewers consider what matters most and how to approach this phase with clarity. For more information contact Tim Stearns, CFP® and his team at TjStearns at (800) 640-2256 /episode/index/show/protectandgrow/id/39475670

The Pillars To Your Retirement Blueprint 12/13/2025

The Pillars To Your Retirement Blueprint A retirement blueprint can be a helpful way to think about the different areas that shape life in later years. This video looks at several pillars people commonly use to organize their thoughts, such as daily lifestyle considerations, financial structure, personal priorities, and long-term planning habits. Each pillar is presented as a lens for understanding how various pieces of retirement may connect. The intention is simply to outline ideas that viewers can use to reflect on their own situation. This overview offers a straightforward way to explore the elements many people review when considering their retirement framework. For more information contact Tim Stearns, CFP® and his team at TjStearns at (800) 640-2256 /episode/index/show/protectandgrow/id/39387845

Preparing For Launch 12/05/2025

Preparing For Launch This video explores the process of getting ready for retirement and the different elements that can shape that transition. It looks at how people think about long-term planning, future priorities, and the adjustments that come with a new stage of life. The discussion reflects on common experiences and shifts that often occur when preparing for this next chapter. It also considers how personal goals and circumstances can influence the overall approach. Whether you’re early in the planning phase or simply curious, the video offers a calm, reflective look at what preparing for retirement can involve. For more information contact Tim Stearns, CFP® and his team at TjStearns at (800) 640-2256 /episode/index/show/protectandgrow/id/39279935

The Value Of An Advisor 11/29/2025

The Value Of An Advisor In this episode, we explore the role of a financial advisor and how their guidance can help clarify complex money matters. From budgeting and investing to planning for long-term goals, we discuss the ways an advisor can offer perspective, strategy, and support tailored to individual needs. Whether you're navigating major life transitions or simply looking to make more informed decisions, this conversation sheds light on the practical and emotional value of having a trusted financial partner. For more information contact Tim Stearns, CFP® and his team at TjStearns at (800) 640-2256 /episode/index/show/protectandgrow/id/39173220

Constructing Your Retirement Plan 11/19/2025

Constructing Your Retirement Plan In this episode, we take a broad look at how to think about and organize your long-term financial future. The video offers general perspectives on approaching retirement planning and invites you to consider what a sustainable path might look like for your own situation. If you’re interested in preparing for the years ahead, this overview can help you get started. Remember to like and subscribe if you find it helpful.For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStearns.com /episode/index/show/protectandgrow/id/39094675

Giving Financial GIfts 11/11/2025

Giving Financial GIfts Giving money can be nice, but giving a financial head start is even better. In this video we explore smart ways to give meaningful financial gifts such as 529 college savings plans, custodial Roth IRAs, and other long-term options that can grow over time. You will learn how these accounts work, the tax benefits they offer, and how to choose the right one based on your goals and the recipient’s age. This video is perfect for parents, grandparents, or anyone who wants their gift to keep on giving. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStearns.com /episode/index/show/protectandgrow/id/38992880

Tax Strategies 11/04/2025

Tax Strategies In this episode, we discuss how taxes influence retirement planning and explore strategies to manage their impact. The conversation covers how different retirement accounts are taxed, the role of Roth conversions, and the timing of withdrawals and income. It also considers how Social Security and investment decisions fit into a broader tax-aware approach to building a sustainable retirement plan. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStearns.com /episode/index/show/protectandgrow/id/38907585

End Of Year Planning 11/01/2025

End Of Year Planning As the year wraps up, it’s a good time to take stock of your financial situation and consider any adjustments before heading into the new year. In this video, we discuss practical year-end planning steps, including tax considerations, investment reviews, and retirement contributions. Our goal is to share general insights to help you think through your own planning process and prepare for the months ahead. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStearns.com /episode/index/show/protectandgrow/id/38864445

Avoiding A Trick Or Treat Retirement 10/25/2025

Avoiding A Trick Or Treat Retirement Halloween and retirement might have more in common than you’d think. This video explores the parallels between the two from the “tricks” that can catch people off guard, like unexpected expenses or poor planning, to the “treats” that come with thoughtful preparation. It’s a lighthearted look at how a few small decisions today can shape the experience of retirement later on. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStearns.com /episode/index/show/protectandgrow/id/38747625

10 Steps To Prepare For Retirement 10/18/2025

10 Steps To Prepare For Retirement This video explores 10 practical steps to prepare for retirement, offering a straightforward look at the key financial and lifestyle considerations that can shape your later years. Rather than focusing on quick fixes or lofty promises, it takes a balanced approach to understanding what goes into a secure and sustainable retirement plan. We’ll discuss how to evaluate your current financial situation, estimate future expenses, and identify potential income sources such as savings, investments, and pensions. The video also touches on important non-financial aspects, including healthcare planning, housing decisions, and how to think about the kind of daily life you want after leaving full-time work. Whether you’re years away from retirement or already starting to plan, this overview provides context, structure, and practical guidance to help you make thoughtful, informed choices about your future. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStearns.com /episode/index/show/protectandgrow/id/38625205

Falling Interest Rates 10/11/2025

Falling Interest Rates In recent months, interest rates have begun to decline after a period of steady increases, raising important questions about what this shift means for the economy. This video examines the key factors behind the fall in rates, including changes in inflation, central bank policy decisions, and broader economic conditions. It also looks at how lower rates influence borrowing costs, savings returns, business investment, and housing markets. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStearns.com /episode/index/show/protectandgrow/id/38544325

A 401K Is Not A Retirement Plan 10/04/2025

A 401K Is Not A Retirement Plan A 401(k) is often seen as the cornerstone of retirement planning, but it may not be the complete solution many believe it to be. In this video, we take a closer look at what a 401(k) actually is, how it works, and the limitations that come with relying on it as your primary retirement strategy. We’ll also discuss some of the factors like taxes, fees, and market risks—that can affect your long-term financial security, and why it’s important to explore additional options when planning for the future. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStearns.com /episode/index/show/protectandgrow/id/38460185

Foundation First 09/27/2025

Retirement Realized 09/20/2025

Retirement Realized Retirement is a milestone we imagine for years, but it feels very different once it finally arrives. It’s not just about leaving a career behind—it’s about stepping into a whole new chapter of life. In this video, I share reflections on the emotions, changes, and lessons that come with this transition. Retirement offers time for family, hobbies, and personal growth, but it also takes some adjustment. Join me as I explore what it really means to realize retirement. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStearns.com. /episode/index/show/protectandgrow/id/38285490

Fixed Incomes & Interest Rates 09/13/2025

Fixed Incomes & Interest Rates In this episode, we take a general look at how interest rates connect with fixed incomes, especially in the context of retirement. The discussion touches on the ways rate changes can relate to financial situations and what that might mean for people who depend on steady income sources later in life. The aim is to offer background and context rather than detailed guidance, giving viewers a chance to think about how shifts in interest rates and retirement income sources might intersect. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStearns.com. /episode/index/show/protectandgrow/id/38195800

Leaving A Legacy 09/06/2025

Leaving A Legacy Ever wonder what becomes of the things you’ve worked hard for after you’re gone? This episode takes a closer look at the idea of legacy planning and why it matters. We’ll talk about the importance of making your wishes clear, preparing for the future, and thinking through the steps that can help bring peace of mind to you and your loved ones. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStearns.com. /episode/index/show/protectandgrow/id/38107140

Labor Day 08/30/2025

Labor Day As Labor Day approaches, it's a fitting time to think about the future. In this episode, we explore some important aspects of retirement planning. Whether you're early in your career or approaching retirement, this discussion offers insights to consider as you plan ahead. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStearns.com. /episode/index/show/protectandgrow/id/38000365

Defensive Strategies 08/23/2025

Defensive Strategies This episode dives into defensive financial strategies—practical ways to protect your money and stay financially stable during times of uncertainty. Instead of focusing on high-risk, high-reward tactics, defensive strategies emphasize minimizing losses, managing risk, and creating a strong foundation for long-term security. Topics covered include building emergency savings, choosing more conservative investments, maintaining proper insurance coverage, and making decisions that align with your personal goals and risk tolerance. These strategies are especially relevant in volatile markets or as you approach major life transitions like retirement. The goal isn’t to predict the future, but to be prepared for it. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStearns.com. /episode/index/show/protectandgrow/id/37908340

Market Volatility 08/16/2025

Market Volatility Market volatility can feel unsettling, especially when you’re thinking about your retirement savings. In this video, we break down what market ups and downs really mean in the context of long-term retirement planning, exploring the factors that drive volatility and how it can impact different types of investments. We’ll discuss strategies for maintaining perspective during turbulent times, the importance of diversification, and how aligning your portfolio with your risk tolerance and time horizon can help you stay on track toward your retirement goals. This is not financial advice—just clear, informative insights to help you better understand the big picture. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStearns.com. /episode/index/show/protectandgrow/id/37840130

Planning In Market Volatility 08/09/2025

Planning In Market Volatility When markets are unpredictable and headlines are filled with uncertainty, it can be hard to know how to move forward with your financial goals. This video explores how to plan confidently during times of market volatility—what to do, what to avoid, and how to keep your long-term strategy intact. It breaks down why volatility happens, how to stay level-headed when emotions run high, and ways to make decisions based on facts instead of fear. Whether you're investing for retirement, saving for the future, or just trying to make sense of the current market, this video provides clarity, perspective, and actionable steps to help you stay on track—even when everything feels uncertain. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStearns.com. /episode/index/show/protectandgrow/id/37739120

5 Pillars Of Planning 08/02/2025

5 Pillars Of Planning Retirement isn’t a finish line—it’s a transition that calls for structure, reflection, and long-range thinking. “5 Pillars of Planning for Retirement” explores key components that often shape a stable retirement strategy: income planning, investment approach, healthcare considerations, legacy intentions, and risk management. This video takes a measured look at how each of these elements can work together to support life beyond a paycheck. It’s less about prediction, more about preparation—and how aligning these pillars with your personal priorities can create more clarity around the path ahead. Whether you're mapping out your first steps or revisiting an existing plan, this is a space to think practically about what retirement can look like with intention behind it. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStearns.com. /episode/index/show/protectandgrow/id/37642290

Big Beautiful Opportunities 07/26/2025

Big Beautiful Opportunities In this video, we take a broad look at some of the more interesting and often overlooked opportunities that can emerge during tax season. From shifting perspectives to timely strategies that are gaining attention, it’s a thoughtful discussion on how certain financial moves might align with today’s evolving tax landscape. The conversation highlights areas that are sparking curiosity and conversation across the space. Whether you're simply trying to stay informed or looking to better understand the possibilities, this overview offers a fresh lens on how tax-related planning is being approached in 2025. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStearns.com. /episode/index/show/protectandgrow/id/37550980

One Big Beautiful Show 07/19/2025

One Big Beautiful Show In this video, we take a closer look at the “Big Beautiful Bill” and what it could mean for your retirement. We break down the real-world implications this legislation might have on your future income, taxes, and overall financial planning. The discussion covers how changes to government spending or policy could shift the landscape for retirees — both current and future. It’s not about fear or hype, but understanding the practical impact and what adjustments might be worth considering. If you’re thinking about retirement, or just want to stay informed, this is a conversation worth listening to. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStearns.com. /episode/index/show/protectandgrow/id/37460435

The Second Half 07/12/2025

The Second Half As we move into the second half of the year, it's a good time to pause and reassess—not just where the markets are headed, but where we are in our own lives and plans for the future. This episode takes a step back from the noise to look at the broader picture of financial well-being, with a particular focus on how we approach retirement planning as the seasons shift. It's not about quick fixes or predictions, but about using this midpoint as an opportunity to reflect on priorities, routines, and the long arc of preparation. Whether retirement feels far off or just around the corner, this part of the year can serve as a quiet reminder to check in with yourself and make sure the path you're on still feels right. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStearns.com. /episode/index/show/protectandgrow/id/37346245

Navigating Risk & Volatility 07/05/2025

Navigating Risk & Volatility Market ups and downs are part of investing, but they can feel especially uncertain in retirement when you're relying on your savings. This video explores how to think about risk and volatility once you've stopped working, including how to balance growth with protection, why sequence of returns matters, and what strategies might help you stay on track through market swings. It’s not about predicting the future—it’s about preparing for it with a plan that fits your goals and comfort level. If you're in or approaching retirement, this conversation offers a practical look at managing uncertainty without losing sight of the bigger picture. For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at TjStearns.com. /episode/index/show/protectandgrow/id/37257730

The Great Wealth Transfer 06/28/2025

The Great Wealth Transfer Retirement brings a new chapter in how people think about money and what comes next. This video explores some of the ways money is managed after working years are over, and how people consider what happens to their finances down the road. There are no promises or specific advice here—just an overview of common themes around money, legacy, and planning for the future. If you’re interested in understanding more about this stage of life and the choices involved, this video may offer some useful perspectives. For more information contact Tim Stearns, CFP® and his team at TjStearns at (800) 640-2256 and visit the website at www.tjstearns.com/. /episode/index/show/protectandgrow/id/37179465

A Good Retirement Income 06/21/2025

A Good Retirement Income This video explores the idea of creating a reliable and sustainable income for retirement, focusing on key principles rather than specific solutions. It encourages thoughtful planning and consideration of various factors that can impact your financial well-being later in life. Whether you’re beginning your retirement journey or looking to refine your approach, this discussion offers insights to help you build a foundation that supports your unique goals and peace of mind. For more information contact Tim Stearns, CFP® and his team at TjStearns at (800) 640-2256 and visit the website at www.tjstearns.com/. /episode/index/show/protectandgrow/id/37092210

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