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How Money Works

Craig Moser

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Husband and wife team, Craig and Jennifer Moser of Maestro Wealth Advisors discuss crucial tips for planning your successful retirement. Listen for valuable insight from professionals with unique insight and perspective on How Money Works. If you need any help with your financial or retirement plan, give them a call at 336-448-1086 or visit the website, https://maestrowealth.com Avantax affiliated financial professionals may only conduct business with residents of the states for which they a ...
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Hem Bhatt provides the basics as well as some advanced thinking over the episodes in this podcast series. And Hem is definitely someone people should to as he has built a career around understanding money, the role it plays in our lives and how to keep more of it to guard and secure our future. He has a bachelor’s in business administration in Accounting and Taxation, a master’s Certificate in Project Management, an LLQP and completed courses in Canadian Investment Funds and Branch Managemen ...
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The 401(k) ​is ​a ​great ​tool. ​It's ​easy ​and ​painless, ​which makes it a ​great ​way ​to ​build ​our ​savings. But ​it's ​also ​easy ​and ​painless, ​which also ​means ​we ​ ​tend ​to ​forget ​about it ​for ​long ​periods ​of ​time. Today we’re going to talk about a few of the places where people make mistakes with their 401(k). Here’s some of…
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Have you ever felt a rush of excitement when your investments soared, or a pang of fear when they plummeted? You're not alone. Emotions can play a powerful role in our financial decisions, sometimes leading us astray from our long-term goals. In this episode, we’ll dissect the emotional undercurrents that can influence our investing behavior. Here’…
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As the baby boomer generation begins reaching the later stages of life, a staggering amount of wealth is set to change hands. Experts estimate that between $40 trillion to $100 trillion will be transferred to younger generations over the next two decades. This seismic financial shift is not just about numbers; it's about families, legacies, and the…
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Today we’re going to have a little fun weighing in with a spirited game of 'Agree or Disagree,' where Craig and Jennifer dissect and debate some of the most pressing financial questions facing individuals today. Here’s some of what we discuss in this episode: Whether you should pay off your mortgage as soon as you can. Are individual bonds better t…
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Ann Rohmer sits down with Hem Bahtt on financial literacy in How Money Works with the focus on RDSP’s; Registered Disability Savings Plan. Disclaimer: Primerica is the trade name of Primerica, Inc., an organization that markets financial services through various affiliated companies in Canada, including PFSL Fund Management Ltd., PFSL Investments C…
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The journey to retirement is rarely a straight path, and sometimes it comes with a few surprises. So, when the rug is pulled out from under you with an unexpected retirement offer, do you take the money and retire, or get back on the job hunt? Join Craig and Jennifer as they discuss the complex decisions that come with retiring early in this episod…
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Most people think about life insurance as a safety net for their loved ones in case of unexpected tragedy. While this is undoubtedly a crucial aspect, there is more to life insurance than many people are aware of. In this insightful episode, we’re focusing on the multifaceted world of life insurance and its often-overlooked benefits. Here’s some of…
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Being in between jobs can be frustrating. If you find yourself in this season, it’s important to have a clear plan of action to keep your finances in order. Stay tuned as Craig and Jennifer discuss some areas to consider for those facing job changes, layoffs, or contemplating early retirement. Here’s some of what we discuss in this episode: Do you …
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The decade leading up to retirement comes with many things to think about. Not only are there some financial shifts and opportunities to navigate, but it’s important to keep your physical health and goals for retirement in focus too. In this episode, we’ll unpack the key elements that matter most during the home stretch of retirement planning. Here…
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It’s easy for business owners to get so focused on their work that they overlook some of the long-term planning areas that need to be addressed. Today we want to highlight a few of the items that need your attention and explain why it’s necessary to have a sense of urgency with these things. Here’s some of what we discuss in this episode: Business …
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Everyone wants to get the year started on the right foot so today we’re going to run through a checklist of financial items you need to address in 2024. We'll explore the nuances tax planning, share some tips for staying organized, and make sure you’re making the most out of your retirement contributions in the coming year. Staying on top of your o…
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In How Money Works, host Ann Rohmer leads financial advisor Hem Bhatt in a discussion of how to make your money work for you and how you can acquire a stronger financial position. In this episode Hem takes us through the various savings instruments such as RRSP, RRIF, TFSA etc..explaining their advantages and opportunities Disclaimer: Primerica is …
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We all seem to have a renewed focus on our health as the new year rolls around so let’s take some time to talk about your financial health and a few of the key indicators that show you’re in good health. Each of the things we’ll discuss today might seem pretty straightforward or even obvious, but they are often overlooked or ignored. So let’s lay o…
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Having certainty in retirement is always the goal, but life just doesn’t allow for that. There are unforeseen circumstances that will undoubtedly arise in each of our lives, so how do you prepare for questions that don’t have answers yet? We’ll dive into the unpredictable world of financial planning and talk about how to stay informed and adaptable…
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In this episode, we’ll weigh the pros and cons of different accounts, starting with tax-deferred accounts like 401(K)s and IRAs. Then we’ll shift to the tax-free options and the benefits that Roth IRAs can provide over time. Tax planning might not be the most exciting thing to dive into, but understanding the different tax strategies can help you k…
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In How Money Works, host Ann Rohmer leads financial advisor Hem Bhatt in a discussion of how to make your money work for you and how you can acquire a stronger financial position. Disclaimer: Primerica is the trade name of Primerica, Inc., an organization that markets financial services through various affiliated companies in Canada, including PFSL…
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In this episode, Craig and Jennifer unpack the common pitfalls people encounter when cutting corners in retirement planning. From taking excessive investment risks to neglecting legal documents and estate planning, this episode sheds light on some crucial aspects of financial preparedness. Stay tuned to see why thorough, proactive planning and info…
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Everyone we work with will have a different comfort level when it comes to risk, which we account for when building a plan. But what does it mean when someone tells us they are risk averse? So how do we determine someone’s true capacity for risk? In this episode, we’ll tell you about an online tool we use with people to find out which range of outc…
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It’s pretty hard to believe that it’s been nearly 30 years since the movie Forrest Gump hit theaters. In case you needed another reminder of your age, there you go. That was one of the great movies of all time, winning multiple Oscars and grossing more than $600 million at the box office, and it still holds up today with its memorable quotes. Today…
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If you’re someone who likes to procrastinate, especially when it comes to your finances, then this episode might be just what you need. We’re going to ask Craig and Jennifer about some planning items and find out whether it’s okay to put things off for later or whether they need our attention now. Here’s some of what we discuss in this episode: Why…
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Are you considering incorporating annuities into your financial planning but find them too complex to comprehend? You're not alone. Annuities are often misunderstood, and this lack of understanding can deter people from utilizing this financial tool. In this episode of our podcast, we delve deep into the world of annuities, exploring their complexi…
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All the statements we’re going to talk about on the show today are all commonsense items that pretty much no one would disagree with on the surface. But for some reason, our actions often don’t line up with the obvious strategies. Let’s talk about why that is and what we need to do to stay on track. Here is some of what we’ll discuss on today’s sho…
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What we want to do today is think about the clients we work with, the styles of people that we see, and determine if there are any investing similarities between people in the same industry. The mindset and the skillset that drove them into the profession might also affect how they plan – or don’t – for retirement. It’s an interesting exercise but …
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Today we’re talking about retirement statistics. For example, did you know that 56% of Americans lose sleep when they think about retirement? That’s no way to live your life. That’s why we’re here to help you plan. We’ll share some more stats that will make you think and might even change your mind on some topics. As always, if you have questions a…
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Let’s talk about some of the areas of your financial life where disaster might be right around the corner. Too many people are walking around with no documents, or documents that are in desperate need of an update. Don’t let this be you. As always, if you have questions about retirement or investing, feel free to reach out to us for help. Here is s…
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On the list of dozens of retirement-related concerns, how high on the list does the potential need for long-term care rank for you? If you live long enough, chances are you will need extra medical help, and those expenses can add up quickly. On today’s show, we’ll share some questions you should consider when deciding whether you need long-term car…
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Just like the law of gravity in physics, there are financial laws that we need to consider. We’ll share several important ones today, including the laws of behemoths, rising taxes, market movement and expectations. Do you know what the behemoths are? Tune in to today's show to find out more! As always, if you have questions about retirement or inve…
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For many people, a 401(k) is their most powerful retirement savings vehicle. That’s because they’re able to contribute so much to it and their employer is often contributing as well with a company match up to a certain percentage. Since a 401(k) is so easy to use, there may be some things you’re overlooking with it. Tune in as we cover some importa…
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When was the last time you took a test? It’s probably been a while, right? On today’s show, we’ll invite you to grade your own financial competency by seeing how many of these questions you can answer confidently. We’ll explain why it’s so important for your financial future that you know the ins and outs of these questions. Here is some of what we…
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For some people, the idea of putting together a financial plan doesn’t sound like much fun. But the idea of building a home sounds like a lot of fun. Much like a home needs a strong foundation, walls, and roof to withstand the elements, a comprehensive financial plan requires various components to weather any financial storms. Today we’ll share som…
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Getting lost while driving your car or hiking in the woods is kind of like getting lost in retirement planning. The good news is there are ways to get back on track financially, and we are here to help you do that. In this episode, we’ll point you to the tools you’ll need to help your financial plan recover and thrive. What we discuss on this episo…
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It’s easy to look back in hindsight and say “Knowing what we know now…” but unfortunately, we can’t predict the future. And since we can’t, the next best thing is to learn from others’ experiences. Today we’ll share some situations where folks probably wish they’d made different decisions in their finances and how we can learn from it. In this epis…
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For some people, it’s time for spring cleaning, and that often means diving into a cluttered closet and getting it cleaned out and organized. Today we’ll share what principles we can take from a closet clean out that we can apply to our financial lives. On this episode, we’ll share: Why you need to move 401ks when you leave a company. (0:34) Why yo…
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Yogi Berra was a sports icon and one of the most quotable people to ever live. And when we look at some of his quotes through the right prism, they can teach us some lessons about financial planning. Yogi loved to state the obvious in a funny, quirky way. From “A nickel ain’t worth a dime anymore,” to “When you come to a fork in the road, take it,”…
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During the height of the pandemic, the stock market did really well. Now that the pandemic has slowed down, the stock market is struggling. That doesn’t make sense and confuses a lot of people. On today’s show, we’ll explain how the market, finances, real estate and more have changed over the past couple years. On this episode, here's some of what …
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When it comes to financial planning, it’s OK to admit that you don’t know the answer to something. The real danger is thinking you know the answer to something when you actually have it all wrong. Today we’re discussing some of the things people think they know, but in reality they really don’t. On this episode, we’ll share: How much income you’ll …
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Today we’re sharing some financial truths that we can state with confidence. For example, did you know that the market moves in cycles? Or how about the fact that you probably aren’t as risk tolerant as you think you are? We’ll discuss everything from the media to “magic bullets” and what you need to know about money to get your financial knowledge…
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Different people have different levels of desire when it comes to finding their retirement date. Today we’re exploring these different levels of desire. Which of these statements below sounds most like you and your retirement plan? On this episode, we’ll share: I never see myself retiring. I love what I do. (0:50) I can probably retire, but the job…
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Today’s show combines two fun topics – finances and football. Believe it or not, planning for your financial future has some similarities to the sport of football. In retirement planning, some people try to be successful without having a coach at all. Others keep the same coach that they’ve had for years, even though things aren’t working out with …
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Many things in the financial world are critical to your future financial success. But not everything is all it’s cracked up to be. On this episode, we’ll share: Why tax advantages are overrated and you need to consider whether spending money is even necessary. (0:46) Nobody is denying the power of compound interest over time. But placing too much e…
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How much do you know about Social Security? You might think you know a lot about this topic, but there are a lot of myths out there to be aware of. On today’s show, we’re sharing three big Social Security myths you need to know. For example, is there a perfect time to start collecting it? Social Security is such a complicated topic without a one-si…
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Today we’re chatting about the characteristics of financial advisors. Everyone has different personalities, but what should you look for in an advisor? How much should likeability and listening skills play into the person you choose? How much emphasis do you place on things like trust, areas of expertise, and the ability to solve problems? You want…
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At times like these when the market is volatile, and trending down, it’s inevitable that we get a lot of questions about it. As we tell people, the weather’s changing, the leaves are starting to get red, and the stock market stinks right now. On today’s show, special guest Richard Duff, president of Redwood Investment Management, joins us to talk a…
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Sometimes you just need to go through your financial life and take out the trash. Today we’re talking about the things that might need to be thrown out. From debt to hidden fees, we’ll explain how some financial trash could be hurting your retirement plans and financial security. What we discuss in this episode: Why debt is not a problem for some p…
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We're taking your questions by email this week to see what’s on your mind and how we can help with your finances. What we discuss on this episode: Seth has always given a few hundred dollars to charities in previous years, but he wants to know if he can get tax credit for that. (0:41) Rhonda wonders if she should save more for retirement or pay mor…
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There’s a lot of confusion out there about annuities, probably because there are different types that do different things. We’ll explain how they work and how they might be used in your financial plan. What we discuss on this episode: 1:22 – Immediate annuity 2:55 – Tax-deferred annuity 4:06 – Fixed annuity 5:07 – Fixed index annuity 6:30 – Pros an…
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So you’ve done a good job saving and investing over the years. You’ve lived on less than you’ve earned, kept yourself out of debt, and your investments have done pretty well. That means everything will be simple for you in retirement, right? Not necessarily. What we discuss on this episode: 0:43 – Too much cash 3:36 – Too much risk 6:16 – Tax time …
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If you’re about a decade away from retirement, there are some important steps you need to take now to get ready. We’ll share some top tips for being prepared for stepping away from work. What we discuss on this episode: 0:46 – What’s important 4:17 – Market drops 6:08 – Health care 11:11 – Changing needs 14:45 – Retiring early Get additional financ…
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As advisors, we are constantly immersed in retirement planning. But for the average person, retirement planning can be a lot harder than it looks. Today, we’ll break down whether Social Security, risk, diversification, and 401(k)s are truly easy or a bit more complicated than we realize. What we discuss on this episode: 0:53 – Social Security 4:06 …
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Business owners are particularly vulnerable to some misconceptions and false assumptions about their retirement. Today we’ll address a few of these issues and help you become better prepared when it comes to building your financial plan. What we discuss on this episode: 0:46 – Retirement taken care of 3:17 – Money in the business 4:56 – Selling the…
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