Tag: Investing
The Retirement Equation: Mastering Asset Allocation for a Secure Future (Ep 32)

The Retirement Equation: Mastering Asset Allocation for a Secure Future (Ep 32)

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Welcome to Life Isn’t Lived on a Spreadsheet. This podcast dives into the personal side of financial planning—because your life isn’t just numbers and charts. Today, Alec Quaid, Certified Financial Planner and Wealth Manager at Poterack Capital Advisory, takes us through variable two of the retirement equation: asset allocation.

In this episode, Alec explores:

  • Why simplifying retirement income planning is key to clarity and confidence.
  • How small changes in assumptions can significantly impact your retirement outcomes.
  • The importance of balancing risk and return in your portfolio.
  • Why your money must outpace inflation and support sustainable withdrawals.
  • Real estate’s role in retirement, from appreciation to rental income.

Learn how a conservative, straightforward approach to financial planning can help you feel prepared for the long term while staying flexible in the short term.

Tune in to discover why proactive, personalized retirement planning is the best way to achieve peace of mind and long-term success. Hit follow to stay updated on future episodes!

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Unveiling the Hidden Costs in Your Investments (Ep.19)

Unveiling the Hidden Costs in Your Investments (Ep.19)

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Let’s talk about the fees involved with investing your money, even those pesky hidden ones.

Ryan Poterack is discussing the importance of understanding fees in investments and how they impact returns. Ryan emphasizes the significance of value over cost, highlighting that fees should be equated to the value and services provided. 

The discussion explores the various types of fees, including visible ones like advisory fees and expense ratios, and hidden costs like trading fees and turnover expenses.

Episode discussion points include:

  • The various fees in financial management & related fees to the value provided by advisors
  • Behavioral coaching helping people make informed, rational decisions amid market uncertainties and emotional triggers
  • The benefits of seeking professional help & the value of time, desire, and knowledge that a wealth manager can provide to enhance investment strategies
  • Why fees are not necessarily small and how they can impact investment returns significantly
  • And more

Resources:

Connect with Ryan Poterack: 

Connect with Poterack Capital Advisory: 

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What Wealth Management Is Vs. What People Think It Is With Alec Quaid (Ep.14)

What Wealth Management Is Vs. What People Think It Is With Alec Quaid (Ep.14)

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You’ve got your finance guy or gal who manages your investments, but is that truly all they do?

It’s time for Ryan Poterack and Alec Quaid from Poterack Capital Advisory to discuss holistic wealth management, stressing the need to understand your unique values and life goals.

The conversation covers the importance of comprehensive financial planning over limited product offerings, client education, and the significance of open communication to debunk industry myths.

These two professionals share rewarding experiences of assisting clients through major life events and the value of trust in client relationships.

Discussion points include:

  • The difference between comprehensive & limited financial advice
  • Breaking down some industry stereotypes, frustrations, and misconceptions
  • The rewarding moments of being a financial professional
  • And more

Resources:

Connect with Ryan Poterack: 

Connect with Poterack Capital Advisory: 

Connect with Alec Quaid, CFP®

About our Guest:

Alec is a Certified Financial Planner™ Professional who is dedicated to serving people through the platform of financial planning. He takes great pride in helping people accomplish their goals and enjoys helping his clients gain confidence in their financial futures. He is very passionate about educating consumers on the key things to look for in an advisor and also the things that should be cause for concern. Alec has been featured in multiple national publications such as the Wall Street Journal, Forbes, InvestmentNews, and MarketWatch. He serves with multiple organizations including at his local church, Board Member with the Colorado Financial Planning Association, Committee Chair at the Aurora Chamber of Commerce, and as a member and speaker with the nonprofit RoadMap for Aging.

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Using Roth IRAs to Create a Tax-Efficient Retirement (Ep. 9)

Using Roth IRAs to Create a Tax-Efficient Retirement (Ep. 9)

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We’ve talked about the good, the bad, and the limitations of traditional 401(k)s. Now, we’re tackling the process of turning that traditional IRA into a Roth IRA. 

What does it take to do a Roth conversion, and is it right for you? 

In this episode, Ryan Poterack discusses the benefits and process of converting a traditional IRA into a Roth IRA. He explains the tax implications of both types of IRAs and the value of considering current and future income tax brackets when deciding to convert. 

Tune in as Ryan emphasizes the importance of critical thinking in financial planning, using specific examples to illustrate his points. 

Main talking points include: 

  • What are Roth IRA conversions and how to maximize its usage  
  • The tax implications of having an IRA conversion
  • The role Roth IRAs have in your unique retirement plan
  • The value of critical thinking skills when creating your financial plans
  • And more!

Resources:

Connect with Ryan Poterack: 

Connect with Poterack Capital Advisory: 

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Let’s Talk About Inflation: Its History, Modern Impact, and Possible Future Trajectory (Ep. 7)

Let’s Talk About Inflation: Its History, Modern Impact, and Possible Future Trajectory (Ep. 7)

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Like most things these days, inflation is getting politicized. 

And the truth is that we all want a soft landing from it, regardless of who gets credit for it.

This week, Ryan Poterack explores recent inflation, its impact on the economy, and its relationship with higher interest rates. He also sheds light on the history of inflation and its effect on various sectors, including healthcare and education. 

Ryan discusses: 

  • The intricate relationship between inflation and interest rates
  • The gig economy and its impact on wages and inflation
  • An on-repeat question: Is inflation ever a ‘good thing’ for the economy and working citizens?
  • Ways to mitigate the risk of inflation impacting our asset allocation strategy
  • And more!

Resources:

Connect with Ryan Poterack: 

Connect with Poterack Capital Advisory: 

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Let’s Talk About Tax Planning & How It Can Enhance Your Retirement Savings (Ep. 5)

Let’s Talk About Tax Planning & How It Can Enhance Your Retirement Savings (Ep. 5)

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What’s the difference between tax preparation and tax planning?

Believe it or not, knowing the difference can help you navigate (the often dreaded) tax season!

In this episode, Ryan Poterack reveals why tax planning is a year-round process. He talks about the contrast between tax preparation and tax planning while emphasizing the value of taking proactive steps for your future tax years.

Ryan discusses: 

  • Reasons you should pay your taxes as soon as you get them
  • The options available when you need help with your taxes
  • The advantages of paying taxes through strategies like donor-advised funds and Roth conversions
  • His unique approach to tax refunds and checks
  • The importance of working with a wealth manager who focuses on tax planning and mitigation 
  • And more!

Resources:

Connect with Ryan Poterack: 

Connect with Poterack Capital Advisory: 

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