Smart Money Insights

Does thinking about money and personal finance make you want to pull your hair out? You’re not alone. Today, Americans are more stressed about their money than work or relationships. Wes White is out to help others feel better about their benjamins! Join us as we share weekly tips (without the financial jargon no one actually understands!) to make financial anxiety a thing of the past.

Decision 2020 & Your Money 10/30/2020

Decision 2020 & Your Money Tuesday, November 3rd is the big day. Who will it be – Trump or Biden? We know the candidates are polar opposites on the issue of taxes, and that could impact our wallet. But what will happen to the market depending on the outcome? Should “Smart Money” investors worry about what Wall Street does over the next several weeks? Many Americans are asking this question, and Wes is breaking down what our true focus should be on instead of politics and the media. /episode/index/show/smartmoneyinsights/id/16600604

Home Improvement Fever 10/23/2020

Home Improvement Fever More time at home has motivated many to make a few upgrades and finally fix a few things around the house. In our latest episode, Wes discusses how to plan for these expenses, and how they could pay off down the road. /episode/index/show/smartmoneyinsights/id/16504763

Eddie Van Halen, Sammy Hagar & Chemistry 10/16/2020

Eddie Van Halen, Sammy Hagar & Chemistry With the recent passing of legendary guitarist Eddie Van Halen, former singer of Van Halen, Sammy Hagar explained how their relationship worked. The immediate answer was Chemistry. In this episode, Kristen and Wes discuss the importance of chemistry, whether it’s between you and a friend, a spouse, or with a financial advisor. /episode/index/show/smartmoneyinsights/id/16475534

Realistically, Could Your Tax Return Look Like Trumps? 10/09/2020

Realistically, Could Your Tax Return Look Like Trumps? One of the top stories in the news has been the claim that President Trump paid little, or no, taxes over the past decade. Instead of arguing whether that’s accurate or not – We all agree that the ultra-wealthy have ways… legal ways – of reducing the amount of taxes they owe. If you’re part of the middle class and wondering what you’re doing wrong, this episode is for you! Wes spotlights what all of this REALLY means, and how to can find out if you’re able to legally lower your personal tax li /episode/index/show/smartmoneyinsights/id/16480256

Election Protection 2020 10/02/2020

Election Protection 2020 This isn’t a right vs. left, Trump vs. Biden debate. This episode is all about YOU and your money! With such a heated election season, Wes discusses how Wall Street could react to the outcome… But more importantly, how it could directly impact your bottom line. Yes, we’re faced with a lot of uncertainty, but Wes breaks down the numbers you CAN control… and how to NOT let headlines or politics dictate your future. /episode/index/show/smartmoneyinsights/id/16215902

Preparing For The 1st Ever Wealth Tax 09/10/2020

Preparing For The 1st Ever Wealth Tax Ever heard the adage “as California goes, so goes the nation?" That saying will fire you up after listening to this episode! California lawmakers are trying to hike their state income tax rates and they’re now also pushing what would be a first-in-the-nation wealth tax! If they get away with it, you KNOW other states will likely attempt to do the same. Whether you work with an advisor or are a DIY investor, Wes explains what to watch out for and how to be as tax efficient as possible with your portfolio /episode/index/show/smartmoneyinsights/id/16215761

Silver Lining of Financial Struggles in the Covid Era 08/27/2020

Silver Lining of Financial Struggles in the Covid Era Before February of 2020, life was overall pretty good. Most of us were working and wall street was soaring! Then a pandemic swiftly changed our financial and day to day lives in ways we never imagined. If you or a loved one has been furloughed, laid off, or if your employer has asked you to take an early retirement…this is an episode you need to hear. Wes reveals the often-overlooked silver lining to this financial struggle, and the opportunity you now have with your 401(k) that was NEVER available before /episode/index/show/smartmoneyinsights/id/15735254

Uncovering Hidden Risk in Your Equity Index Fund 08/06/2020

Uncovering Hidden Risk in Your Equity Index Fund It’s been said that one of the keys to successful investing is not putting all your eggs in one basket – also known as diversification. So, you’d assume that investing in an index such as the S&P 500 would protect you, right? Well, not necessarily! Wes brings to light that about a quarter of the S&P’s total value is made up of just 6 companies, and he explains what steps you can take to make sure you aren’t putting all of your eggs in one basket. /episode/index/show/smartmoneyinsights/id/15735107

Retirement Headwind: The Fiscal Health of the United States 07/23/2020

Retirement Headwind: The Fiscal Health of the United States America's retirees today face unique circumstances and challenges given the fiscal health of the United States. In this episode, Wes sits down with his dad, Rick, to discuss the realities retirees face today. /episode/index/show/smartmoneyinsights/id/15316238

Optimizing Your Investment "Pie" 07/10/2020

Optimizing Your Investment "Pie" Asset allocation: The combination of diversified investments in your portfolio. Seems simple enough, right? Not necessarily. Wes breaks down why asset allocation is one of the most important decisions long-term investors can make… and what you may not know. /episode/index/show/smartmoneyinsights/id/15162848

"FORE" Tips to Better Your Finances 07/03/2020

"FORE" Tips to Better Your Finances As amateur golfers, we often watch tournaments and pick up a few tips from the pros to try to improve our swing and go the distance on the fairway. Wes and Austin share experiences from their own game, and spotlight 4 lessons from the golf course that can help investors like you with your financial long game… And more importantly, how to stay the financial course! /episode/index/show/smartmoneyinsights/id/15065678

Reasons to Embrace Freedom & Rollover Your 401(k) 06/26/2020

Reasons to Embrace Freedom & Rollover Your 401(k) When working towards financial freedom, sometimes you’re seeking a little independence from your current retirement accounts. It’s common for investors to wonder “should I rollover my 401(k)?” Since there are various factors to consider… Wes addresses why you need to look at not only your 401(k) performance but fees, taxes, and more. Plus, find out how to decide what type of rollover is right for you. /episode/index/show/smartmoneyinsights/id/14982053

Is the Recession REALLY Over? 06/17/2020

Is the Recession REALLY Over? For the first time since 2009, in February we officially entered a recession… and economists say that in May we wrapped up the shortest recession in U.S. history. Wes points out how chapter 11 filings and bankruptcy protection for major companies jumped in April and March, yet the market is back up! If you feel that Main Street doesn’t match Wall Street right now, listen for insight on how you can best navigate this economic uncertainty with your own dollars. /episode/index/show/smartmoneyinsights/id/14863562

Help Your Heirs Avoid Those Costly Pitfalls 06/05/2020

Help Your Heirs Avoid Those Costly Pitfalls Planning for mortality isn’t enjoyable. However, planning in advance for this transition of life can make the future much easier for your loved ones. Wes explains how settling your estate can cost your family additional heartache and frustration due to the probate process. He offers simple tips you can implement today to make sure some accounts immediately go to your heirs. Find out how devoting a little time and money NOW with the right lawyer can make life easier for you and your heirs later on. /episode/index/show/smartmoneyinsights/id/14743784

Investing vs Gambling: Know When to Hold 'em, Know When to Fold 'em 05/27/2020

Investing vs Gambling: Know When to Hold 'em, Know When to Fold 'em At about the same time major sporting events were canceled and casinos closed due to the pandemic, stock trading began to increase amongst retail investors. Investors and gamblers do have the same goal: They want more money in their pockets! Despite this similarity, Wes explains how they couldn't be more different. /episode/index/show/smartmoneyinsights/id/14588099

Celebrating Mom & The Lessons She Taught Us 05/08/2020

Celebrating Mom & The Lessons She Taught Us Whether you’re long-distance or socially distanced, Wes & Kristen share ideas of how to celebrate mom this Mother's Day weekend! They also share stories of the lessons their mothers instilled, and how those values have come full circle. This episode is a good reminder for all to not let a day go by without letting mom know how much she means to you! /episode/index/show/smartmoneyinsights/id/14374100

Employer Gave You A Buyout Offer; Should You Stay Or Should You Go? 05/01/2020

Employer Gave You A Buyout Offer; Should You Stay Or Should You Go? If during these tough times you’ve been offered an early retirement buyout, you’re faced with some hard choices. Yes… Your retirement could be very different than you expected, but not necessarily! Before you rush into a decision that could impact you and your family for the rest of your life, listen as Wes explains how to step back and best evaluate your options. /episode/index/show/smartmoneyinsights/id/14237984

Balancing Realism & Optimism During The Pandemic 04/17/2020

Balancing Realism & Optimism During The Pandemic We’ve often heard that when dealing with sudden and dramatic change, we need to be calm yet responsive… while being realistic yet optimistic. In this episode, Wes discusses how that’s never been truer as we deal with the ever-changing lifestyle and financial adjustments from the coronavirus pandemic. /episode/index/show/smartmoneyinsights/id/14068820

Is Quarantining is a Preview of Life After Your Career? 04/10/2020

Is Quarantining is a Preview of Life After Your Career? Have you given true thought to what you want to spend your time doing when you stop working? Wes discovered a silver lining to all of us staying home during this crisis. This is a preview of what your life could be like when you retire, so use this time wisely! /episode/index/show/smartmoneyinsights/id/14068985

How Uncle Sam Is Stimulating Your Wallet 04/03/2020

How Uncle Sam Is Stimulating Your Wallet After they share how they’re making the best of social distancing (and Kristen tells Wes his baby’s head is BIG)… Wes explains the GOOD NEWS of how the stimulus package impacts you. Plus, ideas of how to use the money if you don’t need it right now, and the new options that are available for your retirement accounts for 2020 only. /episode/index/show/smartmoneyinsights/id/13836503

Quarantine Fever 03/27/2020

Quarantine Fever Most of us are dealing with some sort of quarantine right now, and cabin fever is beginning to set in… Wes and his family included! That’s why we’re sharing ideas of how you can feel less constrained at home and focus on the small joys we’re fortunate to have. Plus, a suggestion of how to use this time wisely when it comes to your finances. /episode/index/show/smartmoneyinsights/id/13733417

Special Update: Patriot Wealth Clients 03/20/2020

Special Update: Patriot Wealth Clients The financial and emotional "well-being" of our clients and their families, is something we take very seriously. Without a doubt, we are experiencing unprecedented times as Americans. Volatile markets, global health crises, and general uncertainty can feel really scary (totally normal, too!). /episode/index/show/smartmoneyinsights/id/13633976

Market and News Hysteria Have You Worried? 03/13/2020

Market and News Hysteria Have You Worried? The last two weeks have been one for the record books! Investors haven't experienced volatility like this since the 2008 Great Recession and Crash of 1987. The markets plunged this week in reaction to the coronavirus, oil prices and Wall Street reacted by selling off. Wes explains how to step back from the panic and continue to make smart decisions with your money. /episode/index/show/smartmoneyinsights/id/13536467

How To React When Pandemic Volatility Strikes 03/06/2020

How To React When Pandemic Volatility Strikes When there’s volatility on Wall Street, it’s normal to have an emotional reaction. But does that mean you should make immediate changes to your 401(k) and other investments? In this episode, Wes reminds us that any moves you make now should be with one key factor in mind... /episode/index/show/smartmoneyinsights/id/13486172

Has the Coronavirus Infected Your Investments? 02/27/2020

Has the Coronavirus Infected Your Investments? Due to a rise in confirmed Coronavirus cases, major stock market indices declined into correction (-10%+) territory. Investing can be emotional — especially for those who have saved into accounts in order to live comfortably in retirement. Those who have a financial plan that tells them how they should be invested, deviating from their plan remains the single most destructive action to their wealth. Wes discusses what to do, perhaps more importantly - what not to do, moving forward. /episode/index/show/smartmoneyinsights/id/13330097

You (Yes, You) Need An Emergency Fund 02/14/2020

You (Yes, You) Need An Emergency Fund Unexpected expenses such as medical bills, or a car or home repair are bound to pop up eventually. When it happens, many of us quote Murphy's law: "Whatever can go wrong, will go wrong." To avoid experiencing full of financial panic, on this episode Wes explains how to grow an emergency fund, where to put it, and how much you should have… And how it keeps you out of bad debt! /episode/index/show/smartmoneyinsights/id/13155839

Is DIY Right For You? 02/14/2020

Is DIY Right For You? Many of us have become do-it-yourselfers. Want to upgrade the flooring in your home, fix your car or learn to play guitar? Just Google it and you’ll find more guidance than you ever could need! You can DIY your financial life… But does that mean you should? In this episode, Wes explains what to consider if you’re thinking of going it alone, and when you may want to reach out to a pro. /episode/index/show/smartmoneyinsights/id/13143737

Darius Rucker - Family & Life In Charleston SC 02/07/2020

Darius Rucker - Family & Life In Charleston SC Darius Rucker is one of the most intriguing success stories in country music and one of very few African American performers to succeed in the country genre. A while back Wes sat down with the Grammy winner in his hometown of Charleston, SC. They chat about family life in the Carolinas, his successful transition from Hootie & The Blowfish into country music, and how important it’s always been for Darius to have the right team on his side. /episode/index/show/smartmoneyinsights/id/13045892

Clearing Up The He Said She Said of Money 01/24/2020

Clearing Up The He Said She Said of Money Remember playing “telephone” as a kid? The first person in the circle whispered a phrase into the ear of the person to their right…that person then repeats it to the person on their right… and so on. By the time the phrase reached the last player, it always had a completely different meaning! As adults, the same process occurs when friends and family innocently pass along financial advice. Misinformation could damage our financial life, Wes clarifies common second-hand money advice to watch out for. /episode/index/show/smartmoneyinsights/id/12873857

Should Your Portfolio Be Gold Plated? 01/17/2020

Should Your Portfolio Be Gold Plated? It seems that some of the world’s richest people are stockpiling gold as a way of avoiding a wealth tax, and as a hedge against a global recession. Does this mean you should be using precious metals as a part of your portfolio? In this episode, Wes reminds us that “all that glitters is not gold.” /episode/index/show/smartmoneyinsights/id/12693323

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