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cover of episode Managing financial decisions in uncertain times, leveraging a paid-off home, and when NOT to worry about money.

Managing financial decisions in uncertain times, leveraging a paid-off home, and when NOT to worry about money.

2024/11/2
logo of podcast Allworth Financial‘s Money Matters

Allworth Financial‘s Money Matters
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P
Pat McClain
S
Scott Hanson
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Scott Hanson 和 Pat McClain：面对大选和市场波动等不确定性，人们不必过度担忧其对投资组合的影响，因为生活中存在贯穿始终的相似之处。即使是退休领域的专家也可能在个人理财方面犯错，因此寻求专业理财顾问的帮助非常重要。选择理财顾问时，应该进行尽职调查，包括检查其背景、教育背景以及进行面对面的访谈。好的理财顾问会先了解客户的目标和资产状况，再提出相应的理财规划，而不是直接推荐产品或解决方案。 Jamie：失业两年半，面临财务困境，需要决定是否卖掉价值120万美元的已还清房屋，以获得资金。最终决定卖房，因为短期内需要资金，并且长期来看，卖房可能比持有房屋更划算。 Pam：72岁，仍在从事两份兼职工作，担心未来养老金不足。拥有96万美元的股票和投资以及价值120万美元的已还清房屋。最终决定辞去不喜欢的工作，并从现有资产中提取每月2000美元的收入，以弥补收入损失。 Scott Hanson 和 Pat McClain：面对大选和市场波动等不确定性，人们不必过度担忧其对投资组合的影响，因为生活中存在贯穿始终的相似之处。即使是退休领域的专家也可能在个人理财方面犯错，因此寻求专业理财顾问的帮助非常重要。选择理财顾问时，应该进行尽职调查，包括检查其背景、教育背景以及进行面对面的访谈。好的理财顾问会先了解客户的目标和资产状况，再提出相应的理财规划，而不是直接推荐产品或解决方案。 Jamie：失业两年半，面临财务困境，需要决定是否卖掉价值120万美元的已还清房屋，以获得资金。最终决定卖房，因为短期内需要资金，并且长期来看，卖房可能比持有房屋更划算。 Pam：72岁，仍在从事两份兼职工作，担心未来养老金不足。拥有96万美元的股票和投资以及价值120万美元的已还清房屋。最终决定辞去不喜欢的工作，并从现有资产中提取每月2000美元的收入，以弥补收入损失。

Deep Dive

Chapters
Scott and Pat discuss the impact of political elections on financial portfolios and market volatility, emphasizing the importance of long-term planning over short-term reactions.
  • Elections cause market volatility
  • Long-term planning is crucial
  • Every election cycle feels unique but follows similar patterns

Shownotes Transcript

On this week's Money Matters, Scott and Pat discuss the complexities of making financial decisions in unpredictable times, particularly with the backdrop of upcoming elections and market volatility. Plus, they share insights on the importance of having a financial advisor, reflecting on an article about a retirement expert who made financial mistakes despite her expertise. Finally, Scott and Pat guide callers facing unique financial dilemmas. From decisions about selling a home to addressing fears about retirement savings, Scott and Pat offer practical advice tailored to individual circumstances.

 

Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking here).  You can also be on the air by emailing Scott and Pat at [email protected]).

Download and rate our podcast here).