Best Interest Disclosure and Form CRS

Episodes

Nov. 25, 2024

Episode 276 - Let's Chat about Self-Insurance

In this episode of Beer and Money, Ryan Burklo discusses the concept of self-insurance, exploring its relevance and practicality in various scenarios. He provides examples of when self-insurance may be beneficial, such as in auto insurance and...

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Nov. 18, 2024

Episode 275 - The Power of a Wealth Building Account

In this episode of Beer and Money, Ryan Burklo discusses the importance of a cashflow management system, emphasizing the need for individuals to understand the purpose of their money and how to manage it effectively. He introduces the concept of a...

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Nov. 11, 2024

Episode 274 - Top 3 Mistakes of Estate Plans with Rob Bukacek

In this episode of Beer and Money, Ryan Burklo and estate planning expert Rob Bukacek discuss the critical importance of estate planning, sharing personal experiences that led them to focus on this often-overlooked area of financial planning. They...

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Nov. 4, 2024

Episode 276 - Debunking Tax Deferral Myths

In this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the myths surrounding tax deferral, particularly the common belief that individuals will be in a lower tax bracket during retirement. They explore the implications of income...

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Oct. 28, 2024

Episode 272 - Presidential Elections and the Stock Market

In this episode of Beer and Money, Ryan discusses the impact of presidential elections on the stock market. He explores the presidential election theory, which suggests that U.S. stock markets perform weaker in the first two years of a presidential...

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Oct. 21, 2024

Episode 271 - How To Mitigate Investment Risks

In this episode of Beer and Money, hosts Ryan Burklo and Alex Collins welcome Joe Hegener, founder and CIO of Astrazola Management, to discuss the current economic landscape, particularly focusing on falling interest rates and their implications. Joe...

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Oct. 14, 2024

Episode 270 - The Hidden Cost of Inheritance

In this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the critical topic of estate planning for parents. They explore the various challenges that arise when parents do not have proper estate planning documents in place, including tax...

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Oct. 7, 2024

Episode 269 - Building Wealth Strategies for Success

In this episode, Ryan Burklo discusses the concept of risk tolerance in investing, emphasizing the importance of understanding both market risks and personal financial situations. He highlights the need for a balanced approach to investments,...

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Sept. 30, 2024

Episode 268 - Implications Of The Recent Federal Reserve Interest Rat…

In this episode of Beer and Money, Ryan Burklo discusses the implications of the recent Fed rate cut on personal finance. He explains how the cut affects borrowing costs and savings rates, emphasizing the importance of a long-term financial strategy....

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Sept. 16, 2024

Episode 267 - Planning With Cashflow In Mind

In this episode, Ryan Burklo and Alex Collins discuss the importance of planning with cashflow in mind. They highlight the common focus on accumulating assets and net worth, rather than considering the income generated by those assets. They emphasize...

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Sept. 9, 2024

Episode 266 - Is Volatility A Friend Or Foe?

In this episode, Ryan Burklo and Alex Collins discuss the topic of volatility and whether it is a friend or a foe. They explore how volatility can be beneficial during the accumulation phase, as it allows for higher rates of return. However, as...

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Sept. 3, 2024

Episode 265 - Top 5 Reasons People Struggle Financially

In this episode, Ryan Burklo discusses the top reasons why people struggle financially. He emphasizes that these reasons are not meant to point fingers or judge, but rather to provide insights and reminders about making intentional financial...

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Aug. 26, 2024

Episode 264 - What Is A Trust?

In this episode, Ryan Burklo and Alex Collins discuss the topic of trusts, specifically revocable and irrevocable trusts. They explain that a trust is like a folder where you can put assets that are owned by the trust rather than by you. They discuss...

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Aug. 19, 2024

Episode 263 - Tax Status Of Retirement Accounts

In this episode, Ryan Burklo discusses the tax status of retirement accounts and the importance of considering taxes when planning for retirement. He explains the different tax statuses of assets, including fully taxable, partially taxable, and...

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Aug. 12, 2024

Episode 262 - 15 Minutes To Save You Millions Instead Of 15%

In this episode, Ryan Burklo discusses the importance of protection in the form of property and casualty insurance. He highlights how these insurance policies often overlook the individual's net worth and income. Ryan explains the significance of...

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Aug. 5, 2024

Episode 261 - The Impact of Inadequate Life Insurance

In this episode, Ryan Burklo and Alex Collins discuss the importance of life insurance and how it can protect your family's financial future. They emphasize the need to consider how much life insurance to get based on the number of years of income you...

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July 29, 2024

Episode 260 - Tax Strategies In Retirement

In this episode, Ryan Burklo discusses distribution tax strategies for retirement planning. He compares two different approaches: an interest-only approach and an amortization/spend-down strategy. He explains the tax implications of each strategy and...

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July 22, 2024

Episode 259 - The Impact of Distribution Tax Status on Financial Succ…

In this episode, Ryan Burklo discusses the distribution of tax status as a factor that impacts financial success. He emphasizes the importance of understanding how your assets will be taxed when you retire and how that affects the net income you...

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July 15, 2024

Episode 258 - The Location And Liquidity Of Your Wealth Can Be Just A…

In this episode, Ryan Burklo and Alex Collins discuss the factors that impact financial success, focusing on the location and liquidity of wealth. They explain that most people have two buckets of money: savings and retirement accounts. However, they...

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July 8, 2024

Episode 257 - The Impact of the Amount of Wealth on Financial Success

In this episode, Ryan Burklo and Alex Collins discuss the five factors that impact financial success. They focus on the first factor, which is the amount of wealth. While many people believe that the size of their assets is the most important factor,...

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July 1, 2024

Episode 256 - Would More Cash On Hand Get You More Return?

In this episode, Ryan Burklo and Alex Collins discuss risk and volatility in investment portfolios. They emphasize the importance of investing for future income and the need to get the allocation and risk profile right. They explore the concept of...

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June 24, 2024

Episode 255 - What Is The Real Rate Of Return You Are Getting?

In this episode, Ryan Burklo and Alex Collins discuss the concept of net rate of return and its impact on investment portfolios. They explore the real rate of return, inflation, asset allocation, and the importance of balance sheet allocation. The...

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June 17, 2024

Episode 254 - 4 Unique Ways To Fund Your Child's College Education

In this conversation, Alex Collins discusses different strategies for funding a child's education. He explores the limitations of 529 plans and suggests alternative methods such as using real estate investments, cash value from life insurance...

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June 10, 2024

Episode 253 - How Will You Be Taxed in Retirement?

In this episode, Ryan Burklo and Alex Collins discuss the concept of net rate of return and its impact on investment portfolios. They explore the real rate of return, inflation, asset allocation, and the importance of balance sheet allocation. The...

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