https://simplecast.com The Chris Burns Show Chris is the founder and principal of Dynamic Money, a financial planning company in Atlanta, and is passionate about helping people build strong financial plans flexible enough to be effective for all of life – not just the easy parts. The Chris Burns Show is recorded LIVE in Atlanta on 95.5 WSB to help people like you reach your dreams and understand how real headlines have a real impact on their lives. We want you to become excited about your money, your dreams, and learn how to take real steps towards your goals even when life happens. If you’re listening, your future is important to you and you have BIG DREAMS. Let's talk about what's been going on... © 2018 Dynamic Money en-us Tue, 22 Sep 2020 15:08:51 +0000 Tue, 22 Sep 2020 15:09:01 +0000 https://mylifeismore.com/blogs The Chris Burns Show https://image.simplecastcdn.com/images/3650f816-e25d-46b1-b4b5-d7fc180a524f/4c0fe7eb-b18e-442c-95b7-297b1e05a991/3000x3000/chrisburns-podcast-artwork.jpg?aid=rss_feed https://mylifeismore.com/blogs episodic Chris is the founder and principal of Dynamic Money, a financial planning company in Atlanta, and is passionate about helping people build strong financial plans flexible enough to be effective for all of life – not just the easy parts. The Chris Burns Show is recorded LIVE in Atlanta on 95.5 WSB to help people like you reach your dreams and understand how real headlines have a real impact on their lives. We want you to become excited about your money, your dreams, and learn how to take real steps towards your goals even when life happens. If you’re listening, your future is important to you and you have BIG DREAMS. Let's talk about what's been going on... Chris Burns - Dynamic Money Founder & Principal, Chris Burns - CEO of Dynamic Money, Dynamic Money no https://feeds.simplecast.com/rQ4RyptM finance, money, money advice, practical advice, chris burns, wsb radio, financial growth, life, wsb, dynamic money, goal setting, dynamic, atlanta, financial planning, fee-based financial planning, financial strategy, dynamic money show, investing, planning, goals, financial advice, retirement, the chris burns show Chris Burns - Dynamic Money Founder & Principal alanmcnaron@gmail.com dbe6cc77-112e-437e-92bb-7b5cb4001c12 Should RBG’s replacement be named before or after election day? Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

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]]> Tue, 22 Sep 2020 15:08:51 +0000 alanmcnaron@gmail.com (Chris Burns, Dynamic Money, Chris Burns - CEO of Dynamic Money) https://morethanmoney.simplecast.com/episodes/should-rbgs-replacement-be-named-before-or-after-election-day-Kul_JYb_ Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

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]]> Should RBG’s replacement be named before or after election day? Chris Burns, Dynamic Money, Chris Burns - CEO of Dynamic Money 00:31:18 Four years ago, Justice Scalia passed away suddenly while President Obama was in office. Republicans refused to allow a vote to come to the floor, saying that there had to be an election prior to a new Supreme Court nomination. Here’s the big question…If four years ago, you justified a different response to filling a Supreme Court vacancy, how is your opinion different for you this year? Chris speaks to multiple callers regarding their opinions. He also shares the results of a live poll on Chris’ social media page. Four years ago, Justice Scalia passed away suddenly while President Obama was in office. Republicans refused to allow a vote to come to the floor, saying that there had to be an election prior to a new Supreme Court nomination. Here’s the big question…If four years ago, you justified a different response to filling a Supreme Court vacancy, how is your opinion different for you this year? Chris speaks to multiple callers regarding their opinions. He also shares the results of a live poll on Chris’ social media page. politics, election no full 235 7474d76f-7308-4430-a281-7ed71f5fa68f Would you take a Covid-19 vaccine? Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

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If you’re listening, your future is important to you and you have BIG DREAMS. We appreciate you joining us and hope you hear something that gives you practical steps for positive change.

]]> Wed, 16 Sep 2020 02:59:05 +0000 alanmcnaron@gmail.com (Chris Burns, Dynamic Money, Chris Burns - CEO of Dynamic Money) https://morethanmoney.simplecast.com/episodes/would-you-take-a-covid-19-vaccine-WtUtG2oB Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

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If you’re listening, your future is important to you and you have BIG DREAMS. We appreciate you joining us and hope you hear something that gives you practical steps for positive change.

]]> Would you take a Covid-19 vaccine? Chris Burns, Dynamic Money, Chris Burns - CEO of Dynamic Money 00:31:33 “Operation Warp Speed” is a program aimed at getting a COVID-19 vaccine to market before the end of the year. The question is… would you take it? Here is the issue. For the vaccine to be effective the goal is to reach herd immunity, meaning that most people must take it. However, reports have shown that 20% of Americans have flat out said that they would not take the vaccine, additionally, another 31% are unsure. Chris speaks to callers and together they discuss their thoughts regarding taking the vaccine and whether political affiliations have an impact on their opinions. “Operation Warp Speed” is a program aimed at getting a COVID-19 vaccine to market before the end of the year. The question is… would you take it? Here is the issue. For the vaccine to be effective the goal is to reach herd immunity, meaning that most people must take it. However, reports have shown that 20% of Americans have flat out said that they would not take the vaccine, additionally, another 31% are unsure. Chris speaks to callers and together they discuss their thoughts regarding taking the vaccine and whether political affiliations have an impact on their opinions. no full 234 bc1e45f5-7423-4b64-87fe-a2fabc0299da What would it take to change your mind on who you are voting for? Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

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If you’re listening, your future is important to you and you have BIG DREAMS. We appreciate you joining us and hope you hear something that gives you practical steps for positive change.

 

]]> Tue, 8 Sep 2020 21:29:08 +0000 alanmcnaron@gmail.com (Chris Burns, Dynamic Money, Chris Burns - CEO of Dynamic Money) https://morethanmoney.simplecast.com/episodes/what-would-it-take-to-change-your-mind-on-who-you-are-voting-for-f7gNNM09 Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

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If you’re listening, your future is important to you and you have BIG DREAMS. We appreciate you joining us and hope you hear something that gives you practical steps for positive change.

 

]]> What would it take to change your mind on who you are voting for? Chris Burns, Dynamic Money, Chris Burns - CEO of Dynamic Money 00:35:21 The presidential election is just nine weeks away. Now we expect that both sides, Republican and Democrat to release op-eds and research about both candidates. The big question is, what would it take at this point to change your mind on who you are voting for? Whether it’s literally voting for the other candidate or perhaps even staying home, what would it take to change your opinion regarding the upcoming election? Chris opens the discussion by taking on the recent article by The Atlantic. Do these types of articles have an impact on you? If we rewind back to 2016, President Trump said so many things that the media said would derail his chances in the election. What are the determining factors for you? NEXT, Chris discusses the role of Social Media for kids and teens during the pandemic. If kids need Social Media as a platform to connect with their peers, how do you balance keeping them safe, while respecting their desire for privacy? The presidential election is just nine weeks away. Now we expect that both sides, Republican and Democrat to release op-eds and research about both candidates. The big question is, what would it take at this point to change your mind on who you are voting for? Whether it’s literally voting for the other candidate or perhaps even staying home, what would it take to change your opinion regarding the upcoming election? Chris opens the discussion by taking on the recent article by The Atlantic. Do these types of articles have an impact on you? If we rewind back to 2016, President Trump said so many things that the media said would derail his chances in the election. What are the determining factors for you? NEXT, Chris discusses the role of Social Media for kids and teens during the pandemic. If kids need Social Media as a platform to connect with their peers, how do you balance keeping them safe, while respecting their desire for privacy? voting, election no full 233 3e5ce511-3d59-4601-9969-9a326823522e But the Election! Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

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If you’re listening, your future is important to you and you have BIG DREAMS. We appreciate you joining us and hope you hear something that gives you practical steps for positive change.

]]> Mon, 31 Aug 2020 21:53:22 +0000 alanmcnaron@gmail.com (Chris Burns, Dynamic Money, Chris Burns - CEO of Dynamic Money) https://morethanmoney.simplecast.com/episodes/but-the-election-HN2MnO55 Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

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If you’re listening, your future is important to you and you have BIG DREAMS. We appreciate you joining us and hope you hear something that gives you practical steps for positive change.

]]> But the Election! Chris Burns, Dynamic Money, Chris Burns - CEO of Dynamic Money 00:31:27 A number of folks have reached out recently concerned about the impact the election could have on the stock market. The stock market is actually in record territory right now. Three months ago, no one expected this type of recovery. So the next question is, when might this change? The answer that most people are getting is that the election is going to be the big difference maker. Before the 2016 election, CNN money reported: “If Donald Trump wins, U.S. stocks will almost certainly tank.” They quoted one firm who predicted an 8% drop if Trump won, and the Brookings Institute projected a 10-15% drop. Of course, in 2016, the exact opposite happened. But the key lesson here isn’t that the market will go up or down based on who wins, it’s that we don’t win in the market by trying to predict it. So many people have come out with predictions from both the right and left. Chris shares his main concern with predictions, which is the choices we make when reacting to anxiety and fear. If we live in a cycle of fear, you are going to severely damage your portfolio long-term. Politicians are capitalizing on this like crazy right now. They are trying to push us into thinking, if the other side wins…it is going to catastrophic. It’s about managing your response to fear. A number of folks have reached out recently concerned about the impact the election could have on the stock market. The stock market is actually in record territory right now. Three months ago, no one expected this type of recovery. So the next question is, when might this change? The answer that most people are getting is that the election is going to be the big difference maker. Before the 2016 election, CNN money reported: “If Donald Trump wins, U.S. stocks will almost certainly tank.” They quoted one firm who predicted an 8% drop if Trump won, and the Brookings Institute projected a 10-15% drop. Of course, in 2016, the exact opposite happened. But the key lesson here isn’t that the market will go up or down based on who wins, it’s that we don’t win in the market by trying to predict it. So many people have come out with predictions from both the right and left. Chris shares his main concern with predictions, which is the choices we make when reacting to anxiety and fear. If we live in a cycle of fear, you are going to severely damage your portfolio long-term. Politicians are capitalizing on this like crazy right now. They are trying to push us into thinking, if the other side wins…it is going to catastrophic. It’s about managing your response to fear. money, investing, finance, election no full 232 113a5d00-1309-4853-a771-41d861edfd36 The Sandwich Generation: Caring for a Parent, while also caring for Kids Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

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If you’re listening, your future is important to you and you have BIG DREAMS. We appreciate you joining us and hope you hear something that gives you practical steps for positive change.

]]> Mon, 17 Aug 2020 20:18:47 +0000 alanmcnaron@gmail.com (Chris Burns, Dynamic Money, Chris Burns - CEO of Dynamic Money) https://morethanmoney.simplecast.com/episodes/the-sandwich-generation-caring-for-a-parent-while-also-caring-for-kids-k0SLPuQc Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

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If you’re listening, your future is important to you and you have BIG DREAMS. We appreciate you joining us and hope you hear something that gives you practical steps for positive change.

]]> The Sandwich Generation: Caring for a Parent, while also caring for Kids Chris Burns, Dynamic Money, Chris Burns - CEO of Dynamic Money 00:30:32 More and more of our clients fall into the sandwich generation… caring for a parent while also caring for kids. This can be very rewarding but also financially and emotionally stressful. Tara Stack joins Chris on the show and shares her story of caring for four kids and a mother with Alzheimer’s during the pandemic. Tara shares the progression of their family dynamic and the many transitions her and family remained resilient through. Together Chris and Tara discuss the increased pressures that Covid-19 brought on, as well as the financial impact of caring for a parent. More and more of our clients fall into the sandwich generation… caring for a parent while also caring for kids. This can be very rewarding but also financially and emotionally stressful. Tara Stack joins Chris on the show and shares her story of caring for four kids and a mother with Alzheimer’s during the pandemic. Tara shares the progression of their family dynamic and the many transitions her and family remained resilient through. Together Chris and Tara discuss the increased pressures that Covid-19 brought on, as well as the financial impact of caring for a parent. no full 231 01f844ba-1377-4c14-b44d-097bc66a7dbd Spirited Stimulus Talk | Unemployment, Payroll Taxes, and Exploring Executive Order Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

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If you’re listening, your future is important to you and you have BIG DREAMS. We appreciate you joining us and hope you hear something that gives you practical steps for positive change.

 

]]> Tue, 11 Aug 2020 15:53:23 +0000 alanmcnaron@gmail.com (Chris Burns, Dynamic Money, Chris Burns - CEO of Dynamic Money) https://morethanmoney.simplecast.com/episodes/spirited-stimulus-talk-unemployment-payroll-taxes-and-exploring-executive-order-dCO8KWuw Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

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If you’re listening, your future is important to you and you have BIG DREAMS. We appreciate you joining us and hope you hear something that gives you practical steps for positive change.

 

]]> Spirited Stimulus Talk | Unemployment, Payroll Taxes, and Exploring Executive Order Chris Burns, Dynamic Money, Chris Burns - CEO of Dynamic Money 00:32:06 The president decided Congress was taking too long and released his own stimulus package via executive order, and neither side seem particularly happy about it. Republicans and Democrats have been arguing over this issue over the past two weeks regarding what do to when the current stimulus package ends. The President announced that he’d like to roll out a plan that includes $400 a week, but the Federal Government would only cover 75% of it ($100 would be paid by the States). NEXT, Chris dives into the other components of the proposed stimulus plan, which includes the deferral of payroll taxes. How does this work, and more importantly, how does this impact Social Security funds? ALSO, what assistance is available to renters and homeowners in the stimulus plan? Chris shares his thoughts and speak to callers about their outlook as well. The president decided Congress was taking too long and released his own stimulus package via executive order, and neither side seem particularly happy about it. Republicans and Democrats have been arguing over this issue over the past two weeks regarding what do to when the current stimulus package ends. The President announced that he’d like to roll out a plan that includes $400 a week, but the Federal Government would only cover 75% of it ($100 would be paid by the States). NEXT, Chris dives into the other components of the proposed stimulus plan, which includes the deferral of payroll taxes. How does this work, and more importantly, how does this impact Social Security funds? ALSO, what assistance is available to renters and homeowners in the stimulus plan? Chris shares his thoughts and speak to callers about their outlook as well. finances, financial news no full 230 2fe6d62c-acf5-4678-94ba-f0c3a045a8a2 Unemployment – Should the additional benefits be extended? Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

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If you’re listening, your future is important to you and you have BIG DREAMS. We appreciate you joining us and hope you hear something that gives you practical steps for positive change.

]]> Mon, 3 Aug 2020 21:13:07 +0000 alanmcnaron@gmail.com (Chris Burns, Dynamic Money, Chris Burns - CEO of Dynamic Money) https://morethanmoney.simplecast.com/episodes/unemployment-should-the-additional-benefits-be-extended-NeK6oyNJ Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

Ask your question athttp://www.dynamicmoney.com/ask

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If you’re listening, your future is important to you and you have BIG DREAMS. We appreciate you joining us and hope you hear something that gives you practical steps for positive change.

]]> Unemployment – Should the additional benefits be extended? Chris Burns, Dynamic Money, Chris Burns - CEO of Dynamic Money 00:32:48 Close to 30 million Americans receive unemployment benefits, that’s about 18 billion dollars a week that funds the current unemployment program. Over the past few months Americans that qualify for unemployment have received an extra $600 in supplemental income. Should these additional benefits be continued? Unemployment aid accounts for 15% of our entire nation’s wages, which majorly impacts the economy as a whole. In fact, data suggests that unemployed Americans may be spending more than they did before the pandemic, while folks who maintained their jobs are spending less. This purchasing behavior can be attributed to a variety of reasons, one large factor being that those receiving the extra unemployment benefits are just now able to make a livable wage. So, where do we go from here? Chris speaks to multiple callers and hears their take. He discusses their thoughts regarding moving to an unemployment strategy that is balanced to fuel the economy, while still providing proper incentives for Americans to pursue employment. Close to 30 million Americans receive unemployment benefits, that’s about 18 billion dollars a week that funds the current unemployment program. Over the past few months Americans that qualify for unemployment have received an extra $600 in supplemental income. Should these additional benefits be continued? Unemployment aid accounts for 15% of our entire nation’s wages, which majorly impacts the economy as a whole. In fact, data suggests that unemployed Americans may be spending more than they did before the pandemic, while folks who maintained their jobs are spending less. This purchasing behavior can be attributed to a variety of reasons, one large factor being that those receiving the extra unemployment benefits are just now able to make a livable wage. So, where do we go from here? Chris speaks to multiple callers and hears their take. He discusses their thoughts regarding moving to an unemployment strategy that is balanced to fuel the economy, while still providing proper incentives for Americans to pursue employment. unemployment, finances, financial news, economy no full 229 cceea807-aea8-4497-9d71-623e421b9e8a How are children uniquely influenced by Covid-19? Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

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If you’re listening, your future is important to you and you have BIG DREAMS. We appreciate you joining us and hope you hear something that gives you practical steps for positive change.

]]> Mon, 20 Jul 2020 21:09:06 +0000 alanmcnaron@gmail.com (Chris Burns, Dynamic Money, Chris Burns - CEO of Dynamic Money) https://morethanmoney.simplecast.com/episodes/how-are-children-uniquely-influenced-by-covid-19-PUv3BsOv Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

Ask your question athttp://www.dynamicmoney.com/ask

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If you’re listening, your future is important to you and you have BIG DREAMS. We appreciate you joining us and hope you hear something that gives you practical steps for positive change.

]]> How are children uniquely influenced by Covid-19? Chris Burns, Dynamic Money, Chris Burns - CEO of Dynamic Money 00:30:08 Dr. Shannon Self-Brown, Department Chair and professor at Georgia State University, joins The Chris Burns Show to explain the hidden impact of Covid-19 felt by youth and our responsibility to help. Together they discuss the common ways that trauma can reveal itself in kids, and effective ways to encourage our children through this difficult time. If you do believe that you witness a child experiencing trauma or is in an unsafe environment, what do you do? Dr. Shannon Self-Brown talks through the appropriate steps to take action and what important items to consider. The National Child Traumatic Stress Network has developed some resources for parents and families related to COVID-19: https://www.nctsn.org/what-is-child-trauma/trauma-types/disasters/pandemic-resources. Dr. Shannon Self-Brown, Department Chair and professor at Georgia State University, joins The Chris Burns Show to explain the hidden impact of Covid-19 felt by youth and our responsibility to help. Together they discuss the common ways that trauma can reveal itself in kids, and effective ways to encourage our children through this difficult time. If you do believe that you witness a child experiencing trauma or is in an unsafe environment, what do you do? Dr. Shannon Self-Brown talks through the appropriate steps to take action and what important items to consider. The National Child Traumatic Stress Network has developed some resources for parents and families related to COVID-19: https://www.nctsn.org/what-is-child-trauma/trauma-types/disasters/pandemic-resources. no full 228 0727f40c-d929-4575-a2dc-a34d0433267c Back to School! In-person or virtual learning…have you decided how to proceed yet? Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

Ask your question athttp://www.dynamicmoney.com/ask

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If you’re listening, your future is important to you and you have BIG DREAMS. We appreciate you joining us and hope you hear something that gives you practical steps for positive change.

]]> Mon, 13 Jul 2020 19:15:59 +0000 alanmcnaron@gmail.com (Chris Burns, Dynamic Money, Chris Burns - CEO of Dynamic Money) https://morethanmoney.simplecast.com/episodes/back-to-school-in-person-or-virtual-learninghave-you-decided-how-to-proceed-yet-jZztJ0oD Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

Ask your question athttp://www.dynamicmoney.com/ask

Curious about how the news impacts your dreams or want to know what Dynamic Money would say about your financial situation? Let’s talk about your financial plan and create momentum to build the future you want.

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If you’re listening, your future is important to you and you have BIG DREAMS. We appreciate you joining us and hope you hear something that gives you practical steps for positive change.

]]> Back to School! In-person or virtual learning…have you decided how to proceed yet? Chris Burns, Dynamic Money, Chris Burns - CEO of Dynamic Money 00:31:07 If you have kids, they are probably anxious to get back to school. Kids miss their friends and may not have a full understanding of everything that has led to the shift of their learning environment. Depending on where you live, parents this week are faced with a major decision between in-person or digital learning for their children. While everyone is trying to determine how to proceed safely, this decision is largely impactful on both parties. While kids may be adjusting to the concepts behind learning virtually, parents may not have the appropriate support system to manage work and in-home learning. Chris shares how he sees the impact of virtual learning in his own kids and speak to other parents who share their outlook as well. If you have kids, they are probably anxious to get back to school. Kids miss their friends and may not have a full understanding of everything that has led to the shift of their learning environment. Depending on where you live, parents this week are faced with a major decision between in-person or digital learning for their children. While everyone is trying to determine how to proceed safely, this decision is largely impactful on both parties. While kids may be adjusting to the concepts behind learning virtually, parents may not have the appropriate support system to manage work and in-home learning. Chris shares how he sees the impact of virtual learning in his own kids and speak to other parents who share their outlook as well. school, learning, education, covid-19 no full 227 2ef5229a-0df0-4c7a-a54d-20e5b99c4265 Marriage and Finances. Chris’ wife joins the show as a special guest! Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

Ask your question athttp://www.dynamicmoney.com/ask

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If you’re listening, your future is important to you and you have BIG DREAMS. We appreciate you joining us and hope you hear something that gives you practical steps for positive change.

]]> Wed, 8 Jul 2020 19:01:02 +0000 alanmcnaron@gmail.com (Chris Burns, Dynamic Money, Chris Burns - CEO of Dynamic Money) https://morethanmoney.simplecast.com/episodes/marriage-and-finances-chris-wife-joins-the-show-as-a-special-guest-gMF9Pkdz Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

Ask your question athttp://www.dynamicmoney.com/ask

Curious about how the news impacts your dreams or want to know what Dynamic Money would say about your financial situation? Let’s talk about your financial plan and create momentum to build the future you want.

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If you’re listening, your future is important to you and you have BIG DREAMS. We appreciate you joining us and hope you hear something that gives you practical steps for positive change.

]]> Marriage and Finances. Chris’ wife joins the show as a special guest! Chris Burns, Dynamic Money, Chris Burns - CEO of Dynamic Money 00:28:54 Chris and Meredith Burns share stories from their early days in their marriage, including their college years and the struggles they experienced when they moved into their parent’s basement. Together, they dive into the financial expectations they had and the realities of life they had to face. So, how does the Burns Family handle their finances? They discuss tactics like playing to their personal strengths, the importance of communication, and why it is key to revisit and restructure your budget when hard times transpire. NEXT, they talk about Emergency Funds. The Burns had a large unexpected expense this summer and had to dip into their emergency fund. They talk through the ebbs and flows of their fund, and the emotions tied to using and rebuilding their emergency fund. Chris and Meredith Burns share stories from their early days in their marriage, including their college years and the struggles they experienced when they moved into their parent’s basement. Together, they dive into the financial expectations they had and the realities of life they had to face. So, how does the Burns Family handle their finances? They discuss tactics like playing to their personal strengths, the importance of communication, and why it is key to revisit and restructure your budget when hard times transpire. NEXT, they talk about Emergency Funds. The Burns had a large unexpected expense this summer and had to dip into their emergency fund. They talk through the ebbs and flows of their fund, and the emotions tied to using and rebuilding their emergency fund. financial advice, finances, relationships, marriage no full 226 ad024b64-8ccf-4f8e-9cde-4ae334eeb1b0 Is day trading a good idea? Why good investing is boring and isn’t supposed be sexy! Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

Ask your question athttp://www.dynamicmoney.com/ask

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If you’re listening, your future is important to you and you have BIG DREAMS. We appreciate you joining us and hope you hear something that gives you practical steps for positive change.

 

]]> Mon, 29 Jun 2020 22:21:34 +0000 alanmcnaron@gmail.com (Chris Burns, Dynamic Money, Chris Burns - CEO of Dynamic Money) https://morethanmoney.simplecast.com/episodes/is-day-trading-a-good-idea-why-good-investing-is-boring-and-isnt-supposed-be-sexy-ncN2F_2T Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

Ask your question athttp://www.dynamicmoney.com/ask

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If you’re listening, your future is important to you and you have BIG DREAMS. We appreciate you joining us and hope you hear something that gives you practical steps for positive change.

 

]]> Is day trading a good idea? Why good investing is boring and isn’t supposed be sexy! Chris Burns, Dynamic Money, Chris Burns - CEO of Dynamic Money 00:31:07 There has been movement of people funneling into the day trading world - using apps, where you can buy and trade stocks. So where is this leading people? Chris takes on Dave Portnoy, founder of Barstool Sports, and who has recently begun day trading and sharing his successes, which has become a trending topic. Dave has even claimed to be “beating Wallstreet like a drum” and is leading an army of “Joe Public” investors into day trading. What is scary with this approach, is that it can appeal to young people who may seemingly act with no regard for the long-term consequences. While Dave adds the appropriate caveats and disclaimers, this tactic can leave people in extremely dangerous territory. NEXT, Chris shares cautionary stories of day trading, and why good investing is boring and isn’t supposed to be sexy! LATER, “To mask, or not to mask?” Chris discusses the controversy over regulations regarding masks amidst a pandemic and the reality that we don’t have enough data to fully understand the protective measures in place against COVID-19 quite yet. There has been movement of people funneling into the day trading world - using apps, where you can buy and trade stocks. So where is this leading people? Chris takes on Dave Portnoy, founder of Barstool Sports, and who has recently begun day trading and sharing his successes, which has become a trending topic. Dave has even claimed to be “beating Wallstreet like a drum” and is leading an army of “Joe Public” investors into day trading. What is scary with this approach, is that it can appeal to young people who may seemingly act with no regard for the long-term consequences. While Dave adds the appropriate caveats and disclaimers, this tactic can leave people in extremely dangerous territory. NEXT, Chris shares cautionary stories of day trading, and why good investing is boring and isn’t supposed to be sexy! LATER, “To mask, or not to mask?” Chris discusses the controversy over regulations regarding masks amidst a pandemic and the reality that we don’t have enough data to fully understand the protective measures in place against COVID-19 quite yet. no full 225 855b5db9-92dd-4e6a-9fdc-fe2137ff7e9c EXCLUSIVE: Foster Children Are Facing Unique Challenges Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

Ask your question athttp://www.dynamicmoney.com/ask

Curious about how the news impacts your dreams or want to know what Dynamic Money would say about your financial situation? Let’s talk about your financial plan and create momentum to build the future you want.

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If you’re listening, your future is important to you and you have BIG DREAMS. We appreciate you joining us and hope you hear something that gives you practical steps for positive change.

]]> Tue, 23 Jun 2020 15:26:35 +0000 alanmcnaron@gmail.com (Chris Burns, Dynamic Money, Chris Burns - CEO of Dynamic Money) https://morethanmoney.simplecast.com/episodes/exclusive-foster-children-are-facing-unique-challenges-1uYAwGq8 Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

Ask your question athttp://www.dynamicmoney.com/ask

Curious about how the news impacts your dreams or want to know what Dynamic Money would say about your financial situation? Let’s talk about your financial plan and create momentum to build the future you want.

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If you’re listening, your future is important to you and you have BIG DREAMS. We appreciate you joining us and hope you hear something that gives you practical steps for positive change.

]]> EXCLUSIVE: Foster Children Are Facing Unique Challenges Chris Burns, Dynamic Money, Chris Burns - CEO of Dynamic Money 00:31:20 Social and financial unrest is impacting everyone, especially the most vulnerable. Andy Cook, CEO of Promise 686, joined The Chris Burns show on WSB to discuss what’s happening to foster children during this time and how you can make a difference. Our favorite quote from this Father’s Day interview was when Andy said “If a rising tide lifts all boats, what happens in a falling tide?”. Andy’s point was that difficult social and economic times disproportionately impact the most vulnerable. This is where Any and his team make a difference. Promise 686 specializes in partnering with churches across the United States to create safe foster home environments. Since its inception, Promise 686 has engaged 201 new foster homes. Learn more about Andy and Promise686 here: https://promise686.org/ Social and financial unrest is impacting everyone, especially the most vulnerable. Andy Cook, CEO of Promise 686, joined The Chris Burns show on WSB to discuss what’s happening to foster children during this time and how you can make a difference. Our favorite quote from this Father’s Day interview was when Andy said “If a rising tide lifts all boats, what happens in a falling tide?”. Andy’s point was that difficult social and economic times disproportionately impact the most vulnerable. This is where Any and his team make a difference. Promise 686 specializes in partnering with churches across the United States to create safe foster home environments. Since its inception, Promise 686 has engaged 201 new foster homes. Learn more about Andy and Promise686 here: https://promise686.org/ no full 224 6247e80d-ed19-4be7-af41-9fc1f7597a89 Expect the Unexpected | Lightning Round Questions are Back! Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

Ask your question athttp://www.dynamicmoney.com/ask

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If you’re listening, your future is important to you and you have BIG DREAMS. We appreciate you joining us and hope you hear something that gives you practical steps for positive change.

]]> Mon, 15 Jun 2020 22:39:05 +0000 alanmcnaron@gmail.com (Chris Burns, Dynamic Money, Chris Burns - CEO of Dynamic Money) https://morethanmoney.simplecast.com/episodes/expect-the-unexpected-lightning-round-questions-are-back-RpVq2CBc Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

Ask your question athttp://www.dynamicmoney.com/ask

Curious about how the news impacts your dreams or want to know what Dynamic Money would say about your financial situation? Let’s talk about your financial plan and create momentum to build the future you want.

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If you’re listening, your future is important to you and you have BIG DREAMS. We appreciate you joining us and hope you hear something that gives you practical steps for positive change.

]]> Expect the Unexpected | Lightning Round Questions are Back! Chris Burns, Dynamic Money, Chris Burns - CEO of Dynamic Money 00:31:16 Expect the unexpected. How can what’s been going on recently in our nation, effectively help shape our future decisions? We entered this week with optimism. The stock market made a record run, economic numbers showed that people were slowly getting back to work, the curve for the pandemic seemed to have flattened. But then, a cascade of events changed the momentum. The Chairman of the Federal Reserve said, it could be some YEARS before people get back to their jobs. Additionally, experts on the pandemic advise that it may be a year before things get back to “normal”. In Atlanta specifically, there are increased racial tensions with protests continuing throughout the week. No matter what your opinion is on the events taking place, the market and more importantly our lives, are greatly impacted by this. Is your plan effective when the unexpected happens? Chris wraps up the show with a lightning round and answers questions from dynamicmoney.com Expect the unexpected. How can what’s been going on recently in our nation, effectively help shape our future decisions? We entered this week with optimism. The stock market made a record run, economic numbers showed that people were slowly getting back to work, the curve for the pandemic seemed to have flattened. But then, a cascade of events changed the momentum. The Chairman of the Federal Reserve said, it could be some YEARS before people get back to their jobs. Additionally, experts on the pandemic advise that it may be a year before things get back to “normal”. In Atlanta specifically, there are increased racial tensions with protests continuing throughout the week. No matter what your opinion is on the events taking place, the market and more importantly our lives, are greatly impacted by this. Is your plan effective when the unexpected happens? Chris wraps up the show with a lightning round and answers questions from dynamicmoney.com no full 223 31c55105-8a60-449a-8a29-2b6d70262dc2 How will the events from the last 3 months impact our finances? Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

Ask your question at http://www.dynamicmoney.com/ask

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If you’re listening, your future is important to you and you have BIG DREAMS. We appreciate you joining us and hope you hear something that gives you practical steps for positive change.

 

]]> Mon, 8 Jun 2020 21:25:58 +0000 alanmcnaron@gmail.com (Chris Burns, Dynamic Money, Chris Burns - CEO of Dynamic Money) https://morethanmoney.simplecast.com/episodes/how-will-the-events-from-the-last-3-months-impact-our-finances-ObAC0K9m Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

Ask your question at http://www.dynamicmoney.com/ask

Curious about how the news impacts your dreams or want to know what Dynamic Money would say about your financial situation? Let’s talk about your financial plan and create momentum to build the future you want.

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If you’re listening, your future is important to you and you have BIG DREAMS. We appreciate you joining us and hope you hear something that gives you practical steps for positive change.

 

]]> How will the events from the last 3 months impact our finances? Chris Burns, Dynamic Money, Chris Burns - CEO of Dynamic Money 00:31:10 There is no doubt that the way you handle your finances have been impacted by the events within the last few months. Americans have experienced the onset of a pandemic, a fluctuating economy, and racial tensions rising throughout the nation. We are quickly approaching a catalyst for change. NEXT, Chris shares strategic financial “danger signs” to watch out for and how they may get you into trouble overtime. Common financial reactions to beware of: 1. The overly conservative response 2. Bearing an unhealthy amount of risk to “catch-up” 3. The “if only” opportunist mindset Bonus: Chris ends the show with a prediction! There is no doubt that the way you handle your finances have been impacted by the events within the last few months. Americans have experienced the onset of a pandemic, a fluctuating economy, and racial tensions rising throughout the nation. We are quickly approaching a catalyst for change. NEXT, Chris shares strategic financial “danger signs” to watch out for and how they may get you into trouble overtime. Common financial reactions to beware of: 1. The overly conservative response 2. Bearing an unhealthy amount of risk to “catch-up” 3. The “if only” opportunist mindset Bonus: Chris ends the show with a prediction! no full 222 8ce0e816-1cf1-4918-929f-82fd07130337 SPECIAL EDITION: Chaos in America, where do we go from here? Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

Ask your question at http://www.dynamicmoney.com/ask

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If you’re listening, your future is important to you and you have BIG DREAMS. We appreciate you joining us and hope you hear something that gives you practical steps for positive change.

]]> Mon, 1 Jun 2020 20:42:35 +0000 alanmcnaron@gmail.com (Chris Burns, Dynamic Money, Chris Burns - CEO of Dynamic Money) https://morethanmoney.simplecast.com/episodes/special-edition-chaos-in-america-where-do-we-go-from-here-8Cdru6XU Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

Ask your question at http://www.dynamicmoney.com/ask

Curious about how the news impacts your dreams or want to know what Dynamic Money would say about your financial situation? Let’s talk about your financial plan and create momentum to build the future you want.

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If you’re listening, your future is important to you and you have BIG DREAMS. We appreciate you joining us and hope you hear something that gives you practical steps for positive change.

]]> SPECIAL EDITION: Chaos in America, where do we go from here? Chris Burns, Dynamic Money, Chris Burns - CEO of Dynamic Money 01:53:05 The Chris Burns Show has always been about more than just money. With the onset of COVID-19, the pending economic recession, and increased racial tensions across the country, we'd like to have a round table discussion about the issues impacting Americans today. Joining Chris are key leaders in the community like Jeffery Cleveland, Pamela Stringfield, and Pastor Leonce Crump Jr. Their discussion ranges from the foundational issues plaguing America, to practical ways to take action. Chris Burns also hears from callers who share their viewpoints and personal experiences. The Chris Burns Show has always been about more than just money. With the onset of COVID-19, the pending economic recession, and increased racial tensions across the country, we'd like to have a round table discussion about the issues impacting Americans today. Joining Chris are key leaders in the community like Jeffery Cleveland, Pamela Stringfield, and Pastor Leonce Crump Jr. Their discussion ranges from the foundational issues plaguing America, to practical ways to take action. Chris Burns also hears from callers who share their viewpoints and personal experiences. no full 221 fc9ff888-6cf6-44b8-b09d-2c24808587a0 The wealth gap in America - intensified by Covid-19 Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

Ask your question at http://www.dynamicmoney.com/ask

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If you’re listening, your future is important to you and you have BIG DREAMS. We appreciate you joining us and hope you hear something that gives you practical steps for positive change.

 

]]> Tue, 26 May 2020 16:07:35 +0000 alanmcnaron@gmail.com (Chris Burns, Dynamic Money, Chris Burns - CEO of Dynamic Money) https://morethanmoney.simplecast.com/episodes/the-wealth-gap-in-america-intensified-by-covid-19-7_Pyrich Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

Ask your question at http://www.dynamicmoney.com/ask

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If you’re listening, your future is important to you and you have BIG DREAMS. We appreciate you joining us and hope you hear something that gives you practical steps for positive change.

 

]]> The wealth gap in America - intensified by Covid-19 Chris Burns, Dynamic Money, Chris Burns - CEO of Dynamic Money 00:32:30 Should we be offended that American billionaires are up $434 Billion dollars since the start of the pandemic? Why are large companies like Amazon, getting wealthier during the pandemic and should we be alarmed by this? Chris discusses perspectives on capitalism and taxes, and how consumer behaviors impact the ultra-rich. He also explores the "brand" of capitalism is going to emerge from the pandemic, and why business opportunities, the concept of supply versus demand, and competition are essential to keeping the American economy great. NEXT, Chris addresses the big question “What’s more important: saving lives amidst Covid-19 or allowing the economy to bounce back?” The answer is always messy, but it’s not always one option versus the other. Should we be offended that American billionaires are up $434 Billion dollars since the start of the pandemic? Why are large companies like Amazon, getting wealthier during the pandemic and should we be alarmed by this? Chris discusses perspectives on capitalism and taxes, and how consumer behaviors impact the ultra-rich. He also explores the "brand" of capitalism is going to emerge from the pandemic, and why business opportunities, the concept of supply versus demand, and competition are essential to keeping the American economy great. NEXT, Chris addresses the big question “What’s more important: saving lives amidst Covid-19 or allowing the economy to bounce back?” The answer is always messy, but it’s not always one option versus the other. no full 220 636074d6-23f3-4d1f-b06f-dd1c35a1b0a2 How do you handle housing in a recession? | What to know if you are a home owner, renter, buyer, or seller. Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

Ask your question athttp://www.dynamicmoney.com/ask

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]]> Tue, 19 May 2020 15:01:22 +0000 alanmcnaron@gmail.com (Chris Burns, Dynamic Money, Chris Burns - CEO Dynamic Money) https://morethanmoney.simplecast.com/episodes/how-do-you-handle-housing-in-a-recession-what-to-know-if-you-are-a-home-owner-renter-buyer-or-seller-Wgkf5jBL Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

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If you’re listening, your future is important to you and you have BIG DREAMS. We appreciate you joining us and hope you hear something that gives you practical steps for positive change.

]]> How do you handle housing in a recession? | What to know if you are a home owner, renter, buyer, or seller. Chris Burns, Dynamic Money, Chris Burns - CEO Dynamic Money 00:30:47 How is the pandemic impacting the real estate market? Are home values going up or down right now? There is a storm brewing in the real estate world. Chris discusses how to approach your housing situation and walks through various scenarios, ranging from renters rights, to federally backed and non-federally backed mortgages. LATER, many people are seeing home values go up, even as we enter a recession. This is not normal. Chris shares key components affecting the real estate market today and how to approach housing during an economic downturn. THEN Chris answers questions from callers who are considering selling their homes and discusses important considerations. How is the pandemic impacting the real estate market? Are home values going up or down right now? There is a storm brewing in the real estate world. Chris discusses how to approach your housing situation and walks through various scenarios, ranging from renters rights, to federally backed and non-federally backed mortgages. LATER, many people are seeing home values go up, even as we enter a recession. This is not normal. Chris shares key components affecting the real estate market today and how to approach housing during an economic downturn. THEN Chris answers questions from callers who are considering selling their homes and discusses important considerations. financial advice, finances, real estate, finance no full 219 0b6d1c29-a3a4-41c1-9d31-0ab637b31fbe Relentless Resilience and Getting Angry Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

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]]> Mon, 11 May 2020 21:01:11 +0000 alanmcnaron@gmail.com (Chris Burns, Dynamic Money) https://morethanmoney.simplecast.com/episodes/relentless-resilience-and-getting-angry-eCgg4SEu Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

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]]> Relentless Resilience and Getting Angry Chris Burns, Dynamic Money 00:32:03 One of the top hashtags trending on Twitter this week is #worry. With April job numbers showing about 15% unemployment, fear and anxiety are at an all-time high. Many are looking for a source to blame, should we point the finger at capitalism, politics, the system? Chris shares stories of relentless resilience from business clients, friends, and his community. Chris also shares the best advice he’s ever received from a mentor, which is to “Give yourself time to be angry, but don’t STAY THERE”. If you reside in a place of anger, you won’t find your way out. If you are in a place of frustration, the way out is to remember what you CAN control and most importantly, to cultivate resilience within yourself. One of the top hashtags trending on Twitter this week is #worry. With April job numbers showing about 15% unemployment, fear and anxiety are at an all-time high. Many are looking for a source to blame, should we point the finger at capitalism, politics, the system? Chris shares stories of relentless resilience from business clients, friends, and his community. Chris also shares the best advice he’s ever received from a mentor, which is to “Give yourself time to be angry, but don’t STAY THERE”. If you reside in a place of anger, you won’t find your way out. If you are in a place of frustration, the way out is to remember what you CAN control and most importantly, to cultivate resilience within yourself. no full 218 032fe2aa-ba38-49e4-84b6-c9d84c3a76e4 The Market is back up, now what? | Playing the Credit Game Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

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]]> Mon, 4 May 2020 20:37:07 +0000 alanmcnaron@gmail.com (Chris Burns - Founder & Principal of Dynamic Money) https://morethanmoney.simplecast.com/episodes/the-market-is-back-up-now-what-playing-the-credit-game-MzX5hNXG Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

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If you’re listening, your future is important to you and you have BIG DREAMS. We appreciate you joining us and hope you hear something that gives you practical steps for positive change.

]]> The Market is back up, now what? | Playing the Credit Game Chris Burns - Founder & Principal of Dynamic Money 00:31:53 The market has come back up, after plunging 34% in March. How does this line up with the reality of the economy right now? Anytime you see market data, that is just one aspect of the full picture. In actuality, we don’t have the economic data yet that tells us where are going as a country and where we are at globally. Chris addresses two big questions: 1. Where is this all going? 2. What Should I do now? THEN Chris discusses an interesting trend regarding credit card spending limits. Many people are relying on their credit cards as a safety net, however we are also discovering that limits are being drastically cut. Relying on credit lines as emergency funds can be deeply problematic. Credit unfortunately can be like a game, but here are a few tips to best play along. Like what you heard? Leave us a review. #LikeAndSubscribe The market has come back up, after plunging 34% in March. How does this line up with the reality of the economy right now? Anytime you see market data, that is just one aspect of the full picture. In actuality, we don’t have the economic data yet that tells us where are going as a country and where we are at globally. Chris addresses two big questions: 1. Where is this all going? 2. What Should I do now? THEN Chris discusses an interesting trend regarding credit card spending limits. Many people are relying on their credit cards as a safety net, however we are also discovering that limits are being drastically cut. Relying on credit lines as emergency funds can be deeply problematic. Credit unfortunately can be like a game, but here are a few tips to best play along. Like what you heard? Leave us a review. #LikeAndSubscribe credit cards, financial advice no full 217 dbb9da3d-0817-4450-bdda-e1b0b67ae38a Stimulus Funds, REAL TALK from small business owners & finding the right bank to advocate for YOU. Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

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If you’re listening, your future is important to you and you have BIG DREAMS. We appreciate you joining us and hope you hear something that gives you practical steps for positive change.

]]> Mon, 27 Apr 2020 20:53:58 +0000 alanmcnaron@gmail.com (Chris Burns - Founder & Principal of Dynamic Money) https://morethanmoney.simplecast.com/episodes/smallbusinessandbanks-e_XCJ0SS Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

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If you’re listening, your future is important to you and you have BIG DREAMS. We appreciate you joining us and hope you hear something that gives you practical steps for positive change.

]]> Stimulus Funds, REAL TALK from small business owners & finding the right bank to advocate for YOU. Chris Burns - Founder & Principal of Dynamic Money 00:32:20 Stimulus package number two is on its way. However, when legislation gets pushed though quickly, there can be a lot of mistakes and exploitations. Small businesses have felt the pinch of this the most. It takes an unbelievable amount of courage to make difficult business decisions like determining when to open and more importantly, when to close for the safety of your employees. What is the role of banks in the equation? When you need your bank to be your advocate, it has been found that local banks and credit unions, have been the biggest support system for individuals and small businesses. The key right now for funding is being able to find a bank that not only takes your information, but advocates for you. Like what you heard? Leave us a review. #LikeAndSubscribe Stimulus package number two is on its way. However, when legislation gets pushed though quickly, there can be a lot of mistakes and exploitations. Small businesses have felt the pinch of this the most. It takes an unbelievable amount of courage to make difficult business decisions like determining when to open and more importantly, when to close for the safety of your employees. What is the role of banks in the equation? When you need your bank to be your advocate, it has been found that local banks and credit unions, have been the biggest support system for individuals and small businesses. The key right now for funding is being able to find a bank that not only takes your information, but advocates for you. Like what you heard? Leave us a review. #LikeAndSubscribe no full 216 a2ad2aa0-50ec-4785-8f19-47693a4a6d28 Your Stimulus Check & Small Business Loan Questions Answered. Where Is The Money? Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

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If you’re listening, your future is important to you and you have BIG DREAMS. We appreciate you joining us and hope you hear something that gives you practical steps for positive change.

]]> Tue, 21 Apr 2020 15:30:09 +0000 alanmcnaron@gmail.com (chris burns, dynamic money) https://morethanmoney.simplecast.com/episodes/your-stimulus-check-small-business-loan-questions-answered-where-is-the-money-672OQVYe Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

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If you’re listening, your future is important to you and you have BIG DREAMS. We appreciate you joining us and hope you hear something that gives you practical steps for positive change.

]]> Your Stimulus Check & Small Business Loan Questions Answered. Where Is The Money? chris burns, dynamic money 00:32:43 Last week was payment week for America! Stimulus checks were sent out, leaving many Americans wondering where their money is, if they’re even getting a check, and how to receive their money. Chris answers all your questions about the status of your stimulus check to bring you insight in this uncertainty. Small business owners are worried that they may have missed the mark on the Economic Injury Disaster Loan and, if they applied early, what their status is. Chris shares the needed clarity small business owners are all desperate for. Like what you heard? Leave us a review. #LikeAndSubscribe Last week was payment week for America! Stimulus checks were sent out, leaving many Americans wondering where their money is, if they’re even getting a check, and how to receive their money. Chris answers all your questions about the status of your stimulus check to bring you insight in this uncertainty. Small business owners are worried that they may have missed the mark on the Economic Injury Disaster Loan and, if they applied early, what their status is. Chris shares the needed clarity small business owners are all desperate for. Like what you heard? Leave us a review. #LikeAndSubscribe news, money, financial advice, finances, economy, loan, financial planning, chris burns, stimulus check, small business, payment, covid-19, dynamic money, the chris burns show, sba loan no full 215 fa5cb0de-46b5-4b94-9509-caa51f8c9299 Stimulus Checks & The Economic Impact on You Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

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If you’re listening, your future is important to you and you have BIG DREAMS. We appreciate you joining us and hope you hear something that gives you practical steps for positive change.

]]> Tue, 14 Apr 2020 15:30:06 +0000 alanmcnaron@gmail.com (chris burns, dynamic money) https://morethanmoney.simplecast.com/episodes/stimulus-checks-the-economic-impact-on-you-1WCw5wV6 Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

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If you’re listening, your future is important to you and you have BIG DREAMS. We appreciate you joining us and hope you hear something that gives you practical steps for positive change.

]]> Stimulus Checks & The Economic Impact on You chris burns, dynamic money 00:34:32 There are so many nuances in all of these new government programs; people are wondering where they fall and which programs apply to them. Chris answers all of your questions about the stimulus checks that Americans are expecting in their bank accounts: - Does it apply to me if I’m on social security? - Are college students eligible? - How will contractors be affected? - Will this affect my retirement? Here is the show to give you the confidence you need in these uncertain times. Tune in as Chris sheds light on complicated government programs and talks through how they may affect your situation and how you can stay on plan to reach your dreams. Like what you heard? Leave us a review. #LikeAndSubscribe There are so many nuances in all of these new government programs; people are wondering where they fall and which programs apply to them. Chris answers all of your questions about the stimulus checks that Americans are expecting in their bank accounts: - Does it apply to me if I’m on social security? - Are college students eligible? - How will contractors be affected? - Will this affect my retirement? Here is the show to give you the confidence you need in these uncertain times. Tune in as Chris sheds light on complicated government programs and talks through how they may affect your situation and how you can stay on plan to reach your dreams. Like what you heard? Leave us a review. #LikeAndSubscribe pandemic, money, social security, financial advice, finances, coronavirus, economy, economic impact, chris burns, stimulus check, retirement advice, retirement, covid-19, government programs, dynamic money, the chris burns show no full 214 19016703-7f0b-466b-ba8d-45db07a1b498 Beyond the Show on The Best Money Moves To Make Right Now Stay in Touch with Dynamic Money and Chris Burns:

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]]> Tue, 14 Apr 2020 15:30:06 +0000 alanmcnaron@gmail.com (chris burns, dynamic money) https://morethanmoney.simplecast.com/episodes/beyond-the-show-on-the-best-money-moves-to-make-right-now-LyQ4nc87 Stay in Touch with Dynamic Money and Chris Burns:

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]]> Beyond the Show on The Best Money Moves To Make Right Now chris burns, dynamic money 00:25:25 There’s never been a better time to gauge your risk-tolerance than right now! It’s difficult to know your risk when you’re sitting in an air-conditioned office and things are going well - you never really know until you’re in the downturn. Chris discusses the power of rebalancing, especially now. LATER, Chris talks about buying low and selling high. There’s lots of chatter around capitalizing on the low market to boost your investments, but is that the right thing to do for your situation? THEN, Chris shares his number one piece of advice for folks who are nearing retirement and feeling scared about what the low market means for their future. Like what you heard? Leave us a review. #LikeAndSubscribe There’s never been a better time to gauge your risk-tolerance than right now! It’s difficult to know your risk when you’re sitting in an air-conditioned office and things are going well - you never really know until you’re in the downturn. Chris discusses the power of rebalancing, especially now. LATER, Chris talks about buying low and selling high. There’s lots of chatter around capitalizing on the low market to boost your investments, but is that the right thing to do for your situation? THEN, Chris shares his number one piece of advice for folks who are nearing retirement and feeling scared about what the low market means for their future. Like what you heard? Leave us a review. #LikeAndSubscribe money, financial advice, finances, coronavirus, market, economy, risk, investing, chris burns, economic advice, capitalism, investment advice, dynamic money, investments, covid19, the chris burns show, rebalancing no bonus 6275081a-b753-4772-95a3-4dcbca307d47 Investing In A Pandemic? Consider This First | How the CARES Act Impacts You | The Opportunities of Our Market Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

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If you’re listening, your future is important to you and you have BIG DREAMS. We appreciate you joining us and hope you hear something that gives you practical steps for positive change.

]]> Mon, 6 Apr 2020 17:41:06 +0000 alanmcnaron@gmail.com (chris burns, dynamic money) https://morethanmoney.simplecast.com/episodes/investing-in-a-pandemic-consider-this-first-how-the-cares-act-impacts-you-the-opportunities-of-our-market-eHtijM0W Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

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]]> Investing In A Pandemic? Consider This First | How the CARES Act Impacts You | The Opportunities of Our Market chris burns, dynamic money 00:30:11 Is NOW the time to invest? The math would suggest so, but Chris says that doesn’t mean you should. He shares why now may actually be the worst time to invest for many. THEN, Chris helps break down the CARES Act and how it may impact you and your 401k whether you’re in your thirties and forties or nearing retirement. Many economists are worried that folks will take advantage of the CARES Act and hurt their financial situation in the long-term. Chris shares what to do and what NOT to do. LATER, Chris talks about all the different opportunities there are right now to take advantage of the low market, but which is the right one for you and your situation? Like what you heard? Leave us a review. #LikeAndSubscribe Is NOW the time to invest? The math would suggest so, but Chris says that doesn’t mean you should. He shares why now may actually be the worst time to invest for many. THEN, Chris helps break down the CARES Act and how it may impact you and your 401k whether you’re in your thirties and forties or nearing retirement. Many economists are worried that folks will take advantage of the CARES Act and hurt their financial situation in the long-term. Chris shares what to do and what NOT to do. LATER, Chris talks about all the different opportunities there are right now to take advantage of the low market, but which is the right one for you and your situation? Like what you heard? Leave us a review. #LikeAndSubscribe money, financial advice, finances, cares act, coronavirus, market, economy, investing, chris burns, financial opportunity, retirement advice, market lows, covid-19, dynamic money, invest, investing advice, the chris burns show no full 213 4393cca1-4a35-400a-88b3-7825bcca87cd Your Econ Professor Was Wrong | Think Liquidity! | Paying It Forward Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

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If you’re listening, your future is important to you and you have BIG DREAMS. We appreciate you joining us and hope you hear something that gives you practical steps for positive change.

]]> Mon, 23 Mar 2020 20:04:48 +0000 alanmcnaron@gmail.com (erick erickson, chris burns) https://morethanmoney.simplecast.com/episodes/your-econ-professor-was-wrong-think-liquidity-paying-it-forward-Dv_E30DK Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

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]]> Your Econ Professor Was Wrong | Think Liquidity! | Paying It Forward erick erickson, chris burns 00:31:33 I know your econ professor or your mom has told you to never stop contributing to your 401k, but the opposite is true right now. Chris shares what you need to do with your 401k while the market is low and people are eager to take action. LATER, many people are wondering how they can respond to COVID-19 financially. Chris discusses the key components to a healthy response. THEN, Erick Erickson joins Chris in the studio to talk about how we can help small business and community morale during this crazy time. Hold on to your couch cushions and let’s jump into this coronavirus-focused show as we all fight to hold onto hope and find financial direction. Like what you heard? Leave us a review. #LikeAndSubscribe I know your econ professor or your mom has told you to never stop contributing to your 401k, but the opposite is true right now. Chris shares what you need to do with your 401k while the market is low and people are eager to take action. LATER, many people are wondering how they can respond to COVID-19 financially. Chris discusses the key components to a healthy response. THEN, Erick Erickson joins Chris in the studio to talk about how we can help small business and community morale during this crazy time. Hold on to your couch cushions and let’s jump into this coronavirus-focused show as we all fight to hold onto hope and find financial direction. Like what you heard? Leave us a review. #LikeAndSubscribe pandemic, the dynamic money show, financial advice, finances, coronavirus, financial news, economy, 401k advice, financial health, economics, chris burns, small businesses, 401k, covid-19, dynamic money, the chris burns show, erick erickson no full 212 beef9b92-d436-4914-bdde-f91f7563bd7a Two People Taking Advantage of You Right Now | Attacking Dangerous Thinking | Understanding Private Sector’s Power Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

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]]> Mon, 16 Mar 2020 20:49:07 +0000 alanmcnaron@gmail.com (chris burns) https://morethanmoney.simplecast.com/episodes/two-people-taking-advantage-of-you-right-now-attacking-dangerous-thinking-understanding-private-sectors-power-jqq0OCiP Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

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]]> Two People Taking Advantage of You Right Now | Attacking Dangerous Thinking | Understanding Private Sector’s Power chris burns 00:30:02 Where there is fear, there is someone lurking in the shadows waiting to capitalize on it. Chris describes the two types of people you need to watch out for that are likely to try and take advantage of you during this time of anxiety and uncertainty. THEN, Chris warns of the dangers of writing the Coronavirus off as a conspiracy. In the midst of a polarized country, we are seeing incredible bipartisan support to address the pandemic. LATER, Chris talks about President Trump’s press conference last week and how bringing in the private sector drastically affected the market. Like what you heard? Leave us a review. #LikeAndSubscribe Where there is fear, there is someone lurking in the shadows waiting to capitalize on it. Chris describes the two types of people you need to watch out for that are likely to try and take advantage of you during this time of anxiety and uncertainty. THEN, Chris warns of the dangers of writing the Coronavirus off as a conspiracy. In the midst of a polarized country, we are seeing incredible bipartisan support to address the pandemic. LATER, Chris talks about President Trump’s press conference last week and how bringing in the private sector drastically affected the market. Like what you heard? Leave us a review. #LikeAndSubscribe pandemic, money, financial advice, finances, coronavirus, market, economy, president trump, investing, chris burns, conspiracy, covid-19, investment advice, dynamic money, investments, the chris burns show no full 211 bac92413-b8f4-46a6-9a68-165ee10f82b5 Beyond the Show on Overcoming the Hardest Part of Financial Planning Stay in Touch with Dynamic Money and Chris Burns:

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]]> Mon, 9 Mar 2020 21:05:02 +0000 alanmcnaron@gmail.com (chris burns) https://morethanmoney.simplecast.com/episodes/beyond-the-show-on-overcoming-the-hardest-part-of-financial-planning-wBwG8GR4 Stay in Touch with Dynamic Money and Chris Burns:

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]]> Beyond the Show on Overcoming the Hardest Part of Financial Planning chris burns 00:25:22 We want control so badly, don’t we? And to our dismay, life rarely goes according to plan. Everything going on in our world right now is an incredible reminder to take a few minutes to face those things that we don’t want to face, so that when those things happen you’ll be in a good place - not hoping that it happens, but planning for it. Flip the narrative from “what I should’ve done” to “what I can do”. It’s time to look forward towards what you can accomplish with hope and excitement about your future. Like what you heard? Leave us a review. #LikeAndSubscribe We want control so badly, don’t we? And to our dismay, life rarely goes according to plan. Everything going on in our world right now is an incredible reminder to take a few minutes to face those things that we don’t want to face, so that when those things happen you’ll be in a good place - not hoping that it happens, but planning for it. Flip the narrative from “what I should’ve done” to “what I can do”. It’s time to look forward towards what you can accomplish with hope and excitement about your future. Like what you heard? Leave us a review. #LikeAndSubscribe money, financial advice, finances, coronavirus, economy, economics, financial planning, chris burns, future planning, dynamic money, the chris burns show no bonus 3c12a95c-5149-4d6f-b830-3d49a0c56bf4 Planning in the Unexpected | Avoiding Risky Business | Behavior Economics Nerd Out Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

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]]> Mon, 9 Mar 2020 21:00:09 +0000 alanmcnaron@gmail.com (chris burns) https://morethanmoney.simplecast.com/episodes/planning-in-the-unexpected-avoiding-risky-business-behavior-economics-nerd-out-FDviKAAE Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

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]]> Planning in the Unexpected | Avoiding Risky Business | Behavior Economics Nerd Out chris burns 00:33:14 Life changes quickly. We’re in the middle of uncertainty at its height - how can you have a plan to handle it and reach your goals? Planning requires being ready for the unexpected to happen in the blink of an eye. With all the changes we’ve seen just in 2020 so far, how many of you are thinking to yourselves, I wish I would’ve thought about this two months ago? Chris gives insight on how to expect the unexpected. THEN, does your risk level line up with where you’re going? Chris shares the key to planning for your financial future at any stage of life. LATER, Chris explains how behavioral economics is a massive part of the reality of your retirement plan. Like what you heard? Leave us a review. #LikeAndSubscribe Life changes quickly. We’re in the middle of uncertainty at its height - how can you have a plan to handle it and reach your goals? Planning requires being ready for the unexpected to happen in the blink of an eye. With all the changes we’ve seen just in 2020 so far, how many of you are thinking to yourselves, I wish I would’ve thought about this two months ago? Chris gives insight on how to expect the unexpected. THEN, does your risk level line up with where you’re going? Chris shares the key to planning for your financial future at any stage of life. LATER, Chris explains how behavioral economics is a massive part of the reality of your retirement plan. Like what you heard? Leave us a review. #LikeAndSubscribe money, financial advice, finances, economy, economics, financial planning, chris burns, retirement advice, retirement, dynamic money, the chris burns show no full 210 73f613b6-ac8a-40ad-9537-e0e37cce6aa8 Beyond the Show on Data on The Fastest Drop in Market History Stay in Touch with Dynamic Money and Chris Burns:

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]]> Mon, 2 Mar 2020 21:05:14 +0000 alanmcnaron@gmail.com (chris burns) https://morethanmoney.simplecast.com/episodes/beyond-the-show-on-data-on-the-fastest-drop-in-market-history-c88LpSga Stay in Touch with Dynamic Money and Chris Burns:

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]]> Beyond the Show on Data on The Fastest Drop in Market History chris burns 00:25:29 What if you could respond to the fastest 10% drop in market history with data and confidence? It’s possible and the key to your successful future is understanding the potential risks you’ll face. Chris identifies one of the biggest investing misconceptions and shares how to be a healthy investor and play the game of the market. Let’s say you love the beach. Who doesn’t? Guess who also loves the beach? Hurricanes. Just like someone who’s planning on moving to the beach, when dealing with your investments, the most important thing you can do is understand your risk and then plan for it. The beach is beautiful and beach houses have stilts. Anything is possible with good preparation. Like what you heard? Leave us a review. #LikeAndSubscribe What if you could respond to the fastest 10% drop in market history with data and confidence? It’s possible and the key to your successful future is understanding the potential risks you’ll face. Chris identifies one of the biggest investing misconceptions and shares how to be a healthy investor and play the game of the market. Let’s say you love the beach. Who doesn’t? Guess who also loves the beach? Hurricanes. Just like someone who’s planning on moving to the beach, when dealing with your investments, the most important thing you can do is understand your risk and then plan for it. The beach is beautiful and beach houses have stilts. Anything is possible with good preparation. Like what you heard? Leave us a review. #LikeAndSubscribe financial advice, coronavirus, market, economy, risk, investing, financial planning, chris burns, market drop, financial success, preparation, health crisis, dynamic money, investing misconception, financial help, investing advice, healthy investing no bonus 90b2ca3b-401b-4042-b8ff-ca94c88fb2ca Coronavirus, Cold Cash, and A Calm Response | The Costly Appeal of “Free” | Have You Skipped An Investing Step? Read The Sixty Trillion Dollar Man from The Atlantic.

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]]> Mon, 2 Mar 2020 21:00:04 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond, Chris Burns - Dynamic Money Founder & Principal, Chris Burns - Financial Planner In Atlanta Focused on Leading Clients to Grow Their Wealth & Better Their Quality of Life) https://morethanmoney.simplecast.com/episodes/coronavirus-costly-appeal-of-free-have-you-skipped-investing-step-zH3YsVCW Read The Sixty Trillion Dollar Man from The Atlantic.

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]]> Coronavirus, Cold Cash, and A Calm Response | The Costly Appeal of “Free” | Have You Skipped An Investing Step? Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond, Chris Burns - Dynamic Money Founder & Principal, Chris Burns - Financial Planner In Atlanta Focused on Leading Clients to Grow Their Wealth & Better Their Quality of Life 00:31:13 Chris shares the one question you need to ask yourself before making ANY changes to your financial situation in light of the market drop. Clients have been calling in worried about how they should respond to the impact of the Coronavirus, one person even wanted to go fully to cash (...FYI this is a really bad idea). AND, Chris breaks down an education deficit facing our nation. Young voters lack basic financial knowledge and may not understand the repercussions of “free”. A new study gives insight into why millennials are flocking towards the promise of freebies. Chris will unpack what you need to know. ALSO, can a boring financial topic be one of the most pivotal steps to success? Chris jumps into the Lightning Round to explain this often skipped step in investing that is crucial for your portfolio. Like what you heard? Leave us a review. #LikeAndSubscribe Chris shares the one question you need to ask yourself before making ANY changes to your financial situation in light of the market drop. Clients have been calling in worried about how they should respond to the impact of the Coronavirus, one person even wanted to go fully to cash (...FYI this is a really bad idea). AND, Chris breaks down an education deficit facing our nation. Young voters lack basic financial knowledge and may not understand the repercussions of “free”. A new study gives insight into why millennials are flocking towards the promise of freebies. Chris will unpack what you need to know. ALSO, can a boring financial topic be one of the most pivotal steps to success? Chris jumps into the Lightning Round to explain this often skipped step in investing that is crucial for your portfolio. Like what you heard? Leave us a review. #LikeAndSubscribe finances, coronavirus, financial portfolio, market, economy, investing, education, market drop, young voters, investing help, investor, global impact, health crisis, millennials, investing advice no full 209 2b89d460-b0ef-409b-b785-927316e7042a Can Love & Money Co-Exist? | Don’t Bank on Incentives | Winning Your Budget Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

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]]> Mon, 24 Feb 2020 22:36:27 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/can-love-money-co-exist-dont-bank-on-incentives-winning-your-budget-rQmPSGzK Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

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]]> Can Love & Money Co-Exist? | Don’t Bank on Incentives | Winning Your Budget Chris Burns - Dynamic Money Founder & Principal 00:32:25 75% of Americans are experiencing financial stress and nearly ¼ are feeling “extreme financial stress.” Money is tearing up relationships, but these stories of hope will inspire you! How can you figure out how to work WITH your spouse to see your finances bring you together? The phone lines lit up on this topic with practical stories and real ways to get better in our relationships. AND a 3 billion dollar fine? Wells Fargo will be just fine. Incentives blindness is something hurting the financial industry in so many ways, but the banking industry is making a lot of money on YOUR MONEY. What can you do as the bank is taking your hard-earned cash? ALSO, Sticking to a budget? You need something to make it work. It must be realistic, you need accountability, and you have to track it! Like what you heard? Leave us a review. #LikeAndSubscribe 75% of Americans are experiencing financial stress and nearly ¼ are feeling “extreme financial stress.” Money is tearing up relationships, but these stories of hope will inspire you! How can you figure out how to work WITH your spouse to see your finances bring you together? The phone lines lit up on this topic with practical stories and real ways to get better in our relationships. AND a 3 billion dollar fine? Wells Fargo will be just fine. Incentives blindness is something hurting the financial industry in so many ways, but the banking industry is making a lot of money on YOUR MONEY. What can you do as the bank is taking your hard-earned cash? ALSO, Sticking to a budget? You need something to make it work. It must be realistic, you need accountability, and you have to track it! Like what you heard? Leave us a review. #LikeAndSubscribe financial advice, chris burns, dynamic money no full 208 c57242b3-2b37-4180-a71b-4a739c29d6dc Beyond the Show on The Fear of Being in The Roaring 2020’s Stay in Touch with Dynamic Money and Chris Burns:

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]]> Mon, 17 Feb 2020 21:28:12 +0000 alanmcnaron@gmail.com (chris burns) https://morethanmoney.simplecast.com/episodes/beyond-the-show-on-the-fear-of-being-in-the-roaring-2020s-xkjvsXwC Stay in Touch with Dynamic Money and Chris Burns:

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]]> Beyond the Show on The Fear of Being in The Roaring 2020’s chris burns 00:25:28 Chris dives into the dangerous economic trend that we’ve seen in our country and what steps we need to take to reverse it. A repeat of the aftermath of the Roaring Twenties is not preferable. Join us as Chris continues the conversation around debt by sharing his own personal story of struggle and the crucial first step you need to take if you’re sitting in debt right now as so much of our country is. Like what you heard? Leave us a review. #LikeAndSubscribe Chris dives into the dangerous economic trend that we’ve seen in our country and what steps we need to take to reverse it. A repeat of the aftermath of the Roaring Twenties is not preferable. Join us as Chris continues the conversation around debt by sharing his own personal story of struggle and the crucial first step you need to take if you’re sitting in debt right now as so much of our country is. Like what you heard? Leave us a review. #LikeAndSubscribe money, financial advice, finances, economy, debt, deficit, chris burns, roaring twenties, american debt, dynamic money, recession, the chris burns show no bonus 530833d8-563c-407a-9e1f-07cb628f2de7 Meet America’s Budget Maker | The Toxic Cocktail of Debt | Christmas Card Culture Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

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]]> Mon, 17 Feb 2020 21:25:40 +0000 alanmcnaron@gmail.com (chris burns) https://morethanmoney.simplecast.com/episodes/meet-americas-budget-maker-the-toxic-cocktail-of-debt-christmas-card-culture-BrtfP2zn Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

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]]> Meet America’s Budget Maker | The Toxic Cocktail of Debt | Christmas Card Culture chris burns 00:30:54 Chris chats with Russell Vought, the Acting Director for the White House Office of Management and Budget, who worked with President Trump in creating the newest fiscal budget. Russell tells us what Americans can expect to see in their own lives from our country’s continued focus on regulatory cuts. AND, we’re looking at the highest level of credit card debt ever in the history of our country AND the highest deficits we’ve ever seen in the history of our country. What can we do to fix it besides spending more money? ALSO, Chris hears honest and vulnerable stories of real folks who’ve dealt with debt and made it through to the other side by changing their mindsets and changing their lifestyles. We hope this inspires more hope in your life than pretending to be perfect. Like what you heard? Leave us a review. #LikeAndSubscribe Chris chats with Russell Vought, the Acting Director for the White House Office of Management and Budget, who worked with President Trump in creating the newest fiscal budget. Russell tells us what Americans can expect to see in their own lives from our country’s continued focus on regulatory cuts. AND, we’re looking at the highest level of credit card debt ever in the history of our country AND the highest deficits we’ve ever seen in the history of our country. What can we do to fix it besides spending more money? ALSO, Chris hears honest and vulnerable stories of real folks who’ve dealt with debt and made it through to the other side by changing their mindsets and changing their lifestyles. We hope this inspires more hope in your life than pretending to be perfect. Like what you heard? Leave us a review. #LikeAndSubscribe credit card debt, financial advice, finances, economy, debt, credit, deficit, budget, credit card, chris burns, christmas card culture, russell vought, regulatory cuts, fiscal budget, american debt, dynamic money, the chris burns show no full 207 03232d0e-f792-4e84-89c7-f4f7afc23b3a Beyond the Show on The Ugly Side of the 401k Stay in Touch with Dynamic Money and Chris Burns:

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]]> Mon, 10 Feb 2020 21:46:51 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/beyond-the-show-on-the-ugly-side-of-the-401k-UIoEaNgG Stay in Touch with Dynamic Money and Chris Burns:

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]]> Beyond the Show on The Ugly Side of the 401k Chris Burns - Dynamic Money Founder & Principal 00:25:17 The 401k happy-retirement ticket is brand new… and not so proven! We’re in never-before-seen territory and no longer live in a plug and play pension-driven retirement reality, but the quality of your retirement is entirely up to YOU. This is a major shift from your parents’ and grandparents’ retirement plan. If you’re at, nearing, or one day want to reach retirement, you may be feeling uncertainty about what your next steps should be or at a loss on how to begin taking your money out. The 401k has an ugly side we need to address. Chris dives into how you need to navigate the uncharted waters of the 401k retirement. Like what you heard? Leave us a review. #LikeAndSubscribe The 401k happy-retirement ticket is brand new… and not so proven! We’re in never-before-seen territory and no longer live in a plug and play pension-driven retirement reality, but the quality of your retirement is entirely up to YOU. This is a major shift from your parents’ and grandparents’ retirement plan. If you’re at, nearing, or one day want to reach retirement, you may be feeling uncertainty about what your next steps should be or at a loss on how to begin taking your money out. The 401k has an ugly side we need to address. Chris dives into how you need to navigate the uncharted waters of the 401k retirement. Like what you heard? Leave us a review. #LikeAndSubscribe no bonus e537cbb2-7348-4d54-adc6-0ec0a57d67cd A Better Home Equity Move | From Job Seeker to Job Offer | The 0% Credit Card Hack Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

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If you’re listening, your future is important to you and you have BIG DREAMS. We appreciate you joining us and hope you hear something that gives you practical steps for positive change.

]]> Mon, 10 Feb 2020 21:44:07 +0000 alanmcnaron@gmail.com (Chris Burns) https://morethanmoney.simplecast.com/episodes/a-better-home-equity-move-from-job-seeker-to-job-offer-the-0-credit-card-hack-X0CWS_gm Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

Ask your question at http://www.dynamicmoney.com/ask

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If you’re listening, your future is important to you and you have BIG DREAMS. We appreciate you joining us and hope you hear something that gives you practical steps for positive change.

]]> A Better Home Equity Move | From Job Seeker to Job Offer | The 0% Credit Card Hack Chris Burns 00:32:25 The sentence “this is how we’ve always done things” can be one of the most dangerous ways to approach your finances. Home interest rates are low, but what should you do with the equity from your sold home? What’s most often done may not be the best thing -- Chris shares the wisest ways to leverage your home equity during this time of historically low rates. AND, Chris dives into the job-seekers market and shares a story of how one listener took advantage and found her dream job. Thanks, #DailyUpdates. THEN, Chris answers your questions in the Lightning Round and spotlights hacking the credit card system in order to jumpstart a savings account. Like what you heard? Leave us a review. #LikeAndSubscribe The sentence “this is how we’ve always done things” can be one of the most dangerous ways to approach your finances. Home interest rates are low, but what should you do with the equity from your sold home? What’s most often done may not be the best thing -- Chris shares the wisest ways to leverage your home equity during this time of historically low rates. AND, Chris dives into the job-seekers market and shares a story of how one listener took advantage and found her dream job. Thanks, #DailyUpdates. THEN, Chris answers your questions in the Lightning Round and spotlights hacking the credit card system in order to jumpstart a savings account. Like what you heard? Leave us a review. #LikeAndSubscribe unemployment, financial advice, finances, mortgage rates, financial news, employment, job market, home equity, credit card, chris burns, moving, low rates, job, equity, dynamic money, credit card rates, home interest rates, the chris burns show, jobless no full 206 9a413841-3f4a-4d93-ac27-dae9cbb6975a Beyond the Show on “How Much President Trump’s Commercial Is True?” Stay in Touch with Dynamic Money and Chris Burns:

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]]> Mon, 3 Feb 2020 22:05:18 +0000 alanmcnaron@gmail.com (Chris Burns) https://morethanmoney.simplecast.com/episodes/beyond-the-show-on-how-much-president-trumps-commercial-is-true-PY1jn_Kh Stay in Touch with Dynamic Money and Chris Burns:

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]]> Beyond the Show on “How Much President Trump’s Commercial Is True?” Chris Burns 00:25:24 Something pretty big happened in our country last night… Super Bowl Commercials and there was a football game in between them. During the big game, President Trump aired a campaign commercial boasting about how well the country has been doing in the last four years, but how much of our booming economy is he really responsible for? The national debt has been consistently climbing to numbers we’ve never seen before and President Trump is promising to lower it if re-elected in November. Chris gives his take on whether that’s really financially possible and why it’s critical to understand short-term and long-term progress. Like what you heard? Leave us a review. #LikeAndSubscribe Something pretty big happened in our country last night… Super Bowl Commercials and there was a football game in between them. During the big game, President Trump aired a campaign commercial boasting about how well the country has been doing in the last four years, but how much of our booming economy is he really responsible for? The national debt has been consistently climbing to numbers we’ve never seen before and President Trump is promising to lower it if re-elected in November. Chris gives his take on whether that’s really financially possible and why it’s critical to understand short-term and long-term progress. Like what you heard? Leave us a review. #LikeAndSubscribe donald trump, finances, economy, debt, president trump, interesting news, super bowl commercials, financial planning, chris burns, superbowl commercial, politics, trump, election, the chris burns show, booming economy, national debt no bonus eee23ad1-0c4e-4aa3-9b35-3f616c8ff0f2 Down, Set, Market | Coronavirus & Your 401k | Who Should Teach Your Children About Money? Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

Ask your question at http://www.dynamicmoney.com/ask

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If you’re listening, your future is important to you and you have BIG DREAMS. We appreciate you joining us and hope you hear something that gives you practical steps for positive change.

]]> Mon, 3 Feb 2020 22:00:04 +0000 alanmcnaron@gmail.com (Chris Burns) https://morethanmoney.simplecast.com/episodes/down-set-market-coronavirus-your-401k-who-should-teach-your-children-about-money-fvKZPcpS Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

Ask your question at http://www.dynamicmoney.com/ask

Curious about how the news impacts your dreams or want to know what Dynamic Money would say about your financial situation? Let’s talk about your financial plan and create momentum to build the future you want.

Contact the Dynamic Money Team at http://www.dynamicmoney.com/contact

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If you’re listening, your future is important to you and you have BIG DREAMS. We appreciate you joining us and hope you hear something that gives you practical steps for positive change.

]]> Down, Set, Market | Coronavirus & Your 401k | Who Should Teach Your Children About Money? Chris Burns 00:31:06 You won’t believe how the Coronavirus may not only affect your health, but also your 401k. Chris uncovers how this unlikely pairing is wreaking havoc. Also, should we be teaching our kids about money, or should that responsibility belong to schools? Instead of making a decision, we often just don’t talk about it at all, but what happens is that our kids grow up and don’t know how to function financially, creating huge issues in the long-term. Our children need to see what it looks like to be financially responsible. Like what you heard? Leave us a review. #LikeAndSubscribe You won’t believe how the Coronavirus may not only affect your health, but also your 401k. Chris uncovers how this unlikely pairing is wreaking havoc. Also, should we be teaching our kids about money, or should that responsibility belong to schools? Instead of making a decision, we often just don’t talk about it at all, but what happens is that our kids grow up and don’t know how to function financially, creating huge issues in the long-term. Our children need to see what it looks like to be financially responsible. Like what you heard? Leave us a review. #LikeAndSubscribe football, money, finances, china, coronavirus, market, economy, president trump, financial health, financial planning, chris burns, 401k, dynamic money, the chris burns show no full 205 11cbb8e9-f3d4-48d2-be92-ef5cb8be1e10 Beyond the Show on “Is Capitalism Evil?” Read Jason Zweig’s article from the Wall Street Journal. 

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]]> Wed, 29 Jan 2020 12:00:13 +0000 alanmcnaron@gmail.com (Chris Burns) https://morethanmoney.simplecast.com/episodes/beyond-the-show-on-is-capitalism-evil-C3_zYUmo Read Jason Zweig’s article from the Wall Street Journal. 

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]]> Beyond the Show on “Is Capitalism Evil?” Chris Burns 00:25:26 There is a strong divide in our country around capitalism. On one side, it’s the root of all evil, but on the other, it’s the reason America has one of the most successful economies in the world. Chris reveals how both sides can learn to have healthy discourse and benefit by working together. Is our country better off now than we were fifty years ago? Chris reminds us of the reality of gradual change and gives his advice for how to live in that in-between. PLUS, Chris answers your questions in the Lightning Round. Like what you heard? Leave us a review. #LikeAndSubscribe There is a strong divide in our country around capitalism. On one side, it’s the root of all evil, but on the other, it’s the reason America has one of the most successful economies in the world. Chris reveals how both sides can learn to have healthy discourse and benefit by working together. Is our country better off now than we were fifty years ago? Chris reminds us of the reality of gradual change and gives his advice for how to live in that in-between. PLUS, Chris answers your questions in the Lightning Round. Like what you heard? Leave us a review. #LikeAndSubscribe discourse, financial advice, economy, financial planning, chris burns, change, economic advice, american economy, politics, progressive, political discourse, capitalism, dynamic money, the chris burns show no bonus 3006fa1a-755a-45aa-b82f-7006feb1749b Big Refund Season | Redefining Retirement | My Kid or My Future? Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

Ask your question at http://www.dynamicmoney.com/ask

Curious about how the news impacts your dreams or want to know what Dynamic Money would say about your financial situation? Let’s talk about your financial plan and create momentum to build the future you want.

Contact the Dynamic Money Team at http://www.dynamicmoney.com/contact

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If you’re listening, your future is important to you and you have BIG DREAMS. We appreciate you joining us and hope you hear something that gives you practical steps for positive change.

]]> Mon, 27 Jan 2020 20:26:57 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/big-refund-season-redefining-retirement-my-kid-or-my-future-MvDAcXhs Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

Ask your question at http://www.dynamicmoney.com/ask

Curious about how the news impacts your dreams or want to know what Dynamic Money would say about your financial situation? Let’s talk about your financial plan and create momentum to build the future you want.

Contact the Dynamic Money Team at http://www.dynamicmoney.com/contact

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If you’re listening, your future is important to you and you have BIG DREAMS. We appreciate you joining us and hope you hear something that gives you practical steps for positive change.

]]> Big Refund Season | Redefining Retirement | My Kid or My Future? Chris Burns - Dynamic Money Founder & Principal 00:32:48 As tax refund season is quickly approaching, do you know the best way to use this “paycheck” to your advantage? Chris shares his tax-refund strategy and offers advice on winning tax season. Retirement is supposed to be dreamy! Chris brings a new perspective on how we need to define retirement. This fresh perspective will give you a better quality of life when you are ready to take the leap and get you excited about your future. AND...Chris answers your questions in the Lightning Round. Are you better off to put a dollar in your 401k or a 529 account? Like what you heard? Leave us a review. #LikeAndSubscribe As tax refund season is quickly approaching, do you know the best way to use this “paycheck” to your advantage? Chris shares his tax-refund strategy and offers advice on winning tax season. Retirement is supposed to be dreamy! Chris brings a new perspective on how we need to define retirement. This fresh perspective will give you a better quality of life when you are ready to take the leap and get you excited about your future. AND...Chris answers your questions in the Lightning Round. Are you better off to put a dollar in your 401k or a 529 account? Like what you heard? Leave us a review. #LikeAndSubscribe financial advice, finances, tax tips, atlanta radio, retire, savings, tax savings, investing, tax advisor, future, quality of life, retire with money, chris burns, tax advice, tax refund, taxes, 401k, retirement, 529 account, tax prep, dynamic money, the chris burns show, tax season, retire well, wsb no full 204 d6999388-60f1-4fe7-a7ee-fd4693ef6fa6 Beyond the Show ft. Senator Jim Demint on Making Real Impact Stay in Touch with Senator Jim Demint:

Facebook |  Twitter | Get Senator Jim Demint's NEW Book "Conservative: Knowing What to Keep"

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]]> Mon, 20 Jan 2020 21:57:32 +0000 alanmcnaron@gmail.com (Chris Burns, Jim Demint) https://morethanmoney.simplecast.com/episodes/beyond-the-show-ft-senator-jim-demint-on-making-real-impact-2h1JXRyB Stay in Touch with Senator Jim Demint:

Facebook |  Twitter | Get Senator Jim Demint's NEW Book "Conservative: Knowing What to Keep"

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]]> Beyond the Show ft. Senator Jim Demint on Making Real Impact Chris Burns, Jim Demint 00:20:12 Join Chris and Senator Jim Demint as they chat about how politicians can clarify the healthcare issue, the most effective way for regular people to make a real impact, and the story of how Jim once played drums for a band called Salt & Pepper. Join Chris and Senator Jim Demint as they chat about how politicians can clarify the healthcare issue, the most effective way for regular people to make a real impact, and the story of how Jim once played drums for a band called Salt & Pepper. practical advice, financial advice, beyond the show, money help, financial thoughts, politics, financial impact, finance, dynamic money, senator jim demint no bonus 9545c564-3d0a-446d-8c2a-d7f29ad74157 Impeachment Impact | A Deficit Getting Worse | New Legislation No One Is Talking About Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

Ask your question at http://www.dynamicmoney.com/ask

Curious about how the news impacts your dreams or want to know what Dynamic Money would say about your financial situation? Let’s talk about your financial plan and create momentum to build the future you want.

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Stay Connected With Senator Jim Demint:

Twitter https://twitter.com/JimDeMint

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Senator Jim Demint’s New Book: Conservative: Knowing What to Keep https://www.amazon.com/Conservative-Knowing-What-Jim-DeMint/dp/164293223X

If you’re listening, your future is important to you and you have BIG DREAMS. We appreciate you joining us and hope you hear something that gives you practical steps for positive change.

]]> Mon, 20 Jan 2020 21:48:43 +0000 alanmcnaron@gmail.com (Chris Burns, Jim Demint) https://morethanmoney.simplecast.com/episodes/impeachment-impact-a-deficit-getting-worse-new-legislation-no-one-is-talking-about-Ou4NdZGB Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

Ask your question at http://www.dynamicmoney.com/ask

Curious about how the news impacts your dreams or want to know what Dynamic Money would say about your financial situation? Let’s talk about your financial plan and create momentum to build the future you want.

Contact the Dynamic Money Team at http://www.dynamicmoney.com/contact

Stay Connected with Dynamic Money and Chris Burns Throughout the Week:

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Stay Connected With Senator Jim Demint:

Twitter https://twitter.com/JimDeMint

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Senator Jim Demint’s New Book: Conservative: Knowing What to Keep https://www.amazon.com/Conservative-Knowing-What-Jim-DeMint/dp/164293223X

If you’re listening, your future is important to you and you have BIG DREAMS. We appreciate you joining us and hope you hear something that gives you practical steps for positive change.

]]> Impeachment Impact | A Deficit Getting Worse | New Legislation No One Is Talking About Chris Burns, Jim Demint 00:30:57 Senator Jim Demint joins us to talk about how the Senate impeachment trial could impact the market and shares his thoughts on the growing deficit. Later, Chris dives into new legislation that may affect your savings and retirement and answers some of your questions in a Lightning Round. Like what you heard? Leave us a review. #LikeAndSubscribe Senator Jim Demint joins us to talk about how the Senate impeachment trial could impact the market and shares his thoughts on the growing deficit. Later, Chris dives into new legislation that may affect your savings and retirement and answers some of your questions in a Lightning Round. Like what you heard? Leave us a review. #LikeAndSubscribe saving for retirement, financial plan, impeachment, financial news, market, economy, deficit, saving, us economy, financial planning, chris burns, impeachment trial, retirement, investments, invest, senator jim demint, legislation news no full 203 601a495c-53ec-4f7f-b888-cf510aff6625 Beyond The Show ft. Erick Erickson on Having "The Talk" Stay in Touch with Erick Erickson:

Facebook | Twitter | The Resurgent

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]]> Tue, 14 Jan 2020 20:55:21 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/beyond-the-show-ft-erick-erickson-on-having-the-talk-jkqxTMT2 Stay in Touch with Erick Erickson:

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]]> Beyond The Show ft. Erick Erickson on Having "The Talk" Chris Burns - Dynamic Money Founder & Principal 00:29:03 Chris and Erick chat about having “the talk'' with your kids, why we’d be in big trouble if our household budgets were anything like the government’s budget, and Erick’s go-to dinner recipes. Chris and Erick chat about having “the talk'' with your kids, why we’d be in big trouble if our household budgets were anything like the government’s budget, and Erick’s go-to dinner recipes. the dynamic money show, the talk, atlanta radio, money talk, the resurgent, financial understanding, chris burns, dynamic money, the chris burns show, financial freedom, family finances, wsb, erick erickson no bonus 8380077b-3b16-4892-ac2c-60c55c298be6 NEW Inaugural Show | Entitled to Entitlement | Booming Market Dangers Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

Ask your question at http://www.dynamicmoney.com/ask

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If you’re listening, your future is important to you and you have BIG DREAMS. We appreciate you joining us and hope you hear something that gives you practical steps for positive change.

]]> Tue, 14 Jan 2020 16:59:47 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/new-inaugural-show-entitled-to-entitlement-booming-market-dangers-Ru1eR7MG Have a question? We cover a lot of news and how it impacts YOU and it’s only natural to have questions. You ask, we respond. No question is too simple, off limits, or off-topic. 

Ask your question at http://www.dynamicmoney.com/ask

Curious about how the news impacts your dreams or want to know what Dynamic Money would say about your financial situation? Let’s talk about your financial plan and create momentum to build the future you want.

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If you’re listening, your future is important to you and you have BIG DREAMS. We appreciate you joining us and hope you hear something that gives you practical steps for positive change.

]]> NEW Inaugural Show | Entitled to Entitlement | Booming Market Dangers Chris Burns - Dynamic Money Founder & Principal 00:32:24 Chris and his guest, Erick Erickson, jump into the 2020 election topics and the government’s hesitancy to confront the entitlement program issue! We unpack why the current market is so beneficial but so dangerous. And we answer some of your questions sent in on the Lightning Round. Like what you heard? Leave us a review. #LikeAndSubscribe Chris and his guest, Erick Erickson, jump into the 2020 election topics and the government’s hesitancy to confront the entitlement program issue! We unpack why the current market is so beneficial but so dangerous. And we answer some of your questions sent in on the Lightning Round. Like what you heard? Leave us a review. #LikeAndSubscribe personal finances, market, economy, 2020 election, financial planning, chris burns, chris burns show, financial impact, dynamic money show, retirement, market predictions, dynamic money, entitlement programs, stock market, market watch no full 202 0bff16a0-9532-427d-b605-5824f0485151 Guidelines For Healthy Giving (Yes, Bad Giving Exists) Giving is good... most of the time. As we approach the most wonderful/expensive time of the year and all the year-end campaigns are asking for your money, we're asking a hard question: Can it be bad to give? 

THIS EPISODE CHAMPIONS HEALTHY GIVING AND INVITES US TO LEARN:

  • what unhealthy giving looks like and how to recognize it.
  • why you must take care of yourself first in order to take care of others.
  • how to give meaningfully even when you’re financially unable. (Wish I would have done this sooner)

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.
 

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]]> Wed, 13 Nov 2019 17:11:32 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/guidelines-for-healthy-giving-_feGqpLh Giving is good... most of the time. As we approach the most wonderful/expensive time of the year and all the year-end campaigns are asking for your money, we're asking a hard question: Can it be bad to give? 

THIS EPISODE CHAMPIONS HEALTHY GIVING AND INVITES US TO LEARN:

  • what unhealthy giving looks like and how to recognize it.
  • why you must take care of yourself first in order to take care of others.
  • how to give meaningfully even when you’re financially unable. (Wish I would have done this sooner)

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.
 

Let's stay in touch:

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Ask Us any Question About What You Heard

Contact Dynamic Money & Get a Financial Plan Built for Life

]]> Guidelines For Healthy Giving (Yes, Bad Giving Exists) Chris Burns - Dynamic Money Founder & Principal 00:18:38 charity, giving, donation, end of year, tithe, chris burns, generosity, donating, healthy giving, financial gifts, gifts, giving back, give back, giving guidelines, bad giving, christmas no full 201 20515d53-9e69-42db-835e-034a63a2bec4 3 Major Financial Advising Red Flags to Watch For... We're ready for the angry emails from past employers and people in the financial industry. We're bracing for impact and 100% confident in our decision to put the scary truth out there!

By knowing what goes on behind the scenes, you’re able to better discern whether the financial advisor you’re working with now or whoever you sit down with in the future is a good fit.

It’s critical for you to understand exactly how your money is being managed. So take notes, ask questions, do whatever you need to do to pay attention, because you don’t want to miss this!

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

Let's stay in touch:

Subscribe to Dynamic Money Updates

Connect with us on Facebook & Instagram

Ask Us any Question About What You Heard

Contact Dynamic Money & Get a Financial Plan Built for Life

]]> Wed, 30 Oct 2019 18:23:46 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/3-major-financial-advising-red-flags-to-watch-for-B2yz7nQI We're ready for the angry emails from past employers and people in the financial industry. We're bracing for impact and 100% confident in our decision to put the scary truth out there!

By knowing what goes on behind the scenes, you’re able to better discern whether the financial advisor you’re working with now or whoever you sit down with in the future is a good fit.

It’s critical for you to understand exactly how your money is being managed. So take notes, ask questions, do whatever you need to do to pay attention, because you don’t want to miss this!

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

Let's stay in touch:

Subscribe to Dynamic Money Updates

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]]> 3 Major Financial Advising Red Flags to Watch For... Chris Burns - Dynamic Money Founder & Principal 00:31:33 After a client meeting this week, something needs to be said about the scary truths in the financial industry and how planners are wrongly making money on YOUR MONEY. Pay attention to the red flags. Here is what you need to look for and the best question to ask when you have suspicions. Managing your money is nothing to be taken lightly. After a client meeting this week, something needs to be said about the scary truths in the financial industry and how planners are wrongly making money on YOUR MONEY. Pay attention to the red flags. Here is what you need to look for and the best question to ask when you have suspicions. Managing your money is nothing to be taken lightly. money, good financial planning, financial advice, finances, planning for retirement, good financial advice, financial advisor, financial planning, retirement planning, dynamic money no full 200 76b1d287-a6bc-425f-a0a1-0d58a5282f1c Finances, Oatmeal Cream Pies, and Avoiding What You Need to Do Let me tell you my story and show you:
  • why avoidance feels comfortable but is wildly dangerous for your future.
  • a common story and familiar things we see people avoid financially.
  • how to lighten your burden and move towards peace.

We’re bringing it up. THAT thing you have been avoiding and I want you to know it's going to be okay. When you face the hard thing, you actually find out there is hope. Let's jump in and get your finances in the light.

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.
 

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]]> Fri, 11 Oct 2019 16:27:26 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/finances-advice-avoiding-NaEs6q1_ Let me tell you my story and show you:
  • why avoidance feels comfortable but is wildly dangerous for your future.
  • a common story and familiar things we see people avoid financially.
  • how to lighten your burden and move towards peace.

We’re bringing it up. THAT thing you have been avoiding and I want you to know it's going to be okay. When you face the hard thing, you actually find out there is hope. Let's jump in and get your finances in the light.

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.
 

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]]> Finances, Oatmeal Cream Pies, and Avoiding What You Need to Do Chris Burns - Dynamic Money Founder & Principal 00:27:23 It's the double stuffed oatmeal cream pies that are my weakness. I hide them when I buy them, and honestly shame sets in. But, for you it may be something different... and if your finances are in a state that you feel embarrassed THIS show is for you. #NoShame #RealPeople It's the double stuffed oatmeal cream pies that are my weakness. I hide them when I buy them, and honestly shame sets in. But, for you it may be something different... and if your finances are in a state that you feel embarrassed THIS show is for you. #NoShame #RealPeople money, financial advice, finacnes, debt, avoidance, money help, flexible money, financial shame, real financial advice, help, dynamic money, regret, financial stress no full 199 4c7ac0a1-107a-4f6a-bd8e-5240dc782720 Stop Investing Like A Sports Fan! (And Go Braves!) First off - Go Braves! This special episode is released on a major day in Atlanta sports history as the home team is in game 5 of the playoffs in an elimination game tonight! But, before I get too excited, I need to tell you why loyalty can kill you in investing. This is something we see far too common and most change people's thoughts on! Listen in and protect your future.

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.
 

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]]> Wed, 9 Oct 2019 18:36:59 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/stop-investing-like-a-sports-fan-and-go-braves-8Ce_8pPF First off - Go Braves! This special episode is released on a major day in Atlanta sports history as the home team is in game 5 of the playoffs in an elimination game tonight! But, before I get too excited, I need to tell you why loyalty can kill you in investing. This is something we see far too common and most change people's thoughts on! Listen in and protect your future.

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.
 

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]]> Stop Investing Like A Sports Fan! (And Go Braves!) Chris Burns - Dynamic Money Founder & Principal 00:22:43 Why it’s okay to root for the home team year after year but dangerous to invest that way. (And Go Braves!) Why it’s okay to root for the home team year after year but dangerous to invest that way. (And Go Braves!) investing, investment, investing strategy, investment advice, diversification no full 198 86d8666e-2130-4fde-8087-c6c8b5b09954 Show Me the (Safe) Money!!! What to Consider Nearing Retirement Interest rates are low, which benefits a lot of people, but also harms a lot of people.

Let’s take a look at low-interest rates and answer these questions:

  • who is hurt by low-interest rates and what to do about it?
  • where do you go for “safe money” in today’s market?
  • why is the solution not one size fits all especially for those closing on retirement?

There are three things are in play in any of the solutions to consider:

  1. Is your money safe?
  2. Is your money liquid?
  3. What kind of return am I getting on my investment?

And there’s going to have to be a trade-off, unfortunately, you can’t always have all three.

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

 

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]]> Fri, 4 Oct 2019 18:29:02 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/safe-money-nearing-retirement-AtcCu2k_ Interest rates are low, which benefits a lot of people, but also harms a lot of people.

Let’s take a look at low-interest rates and answer these questions:

  • who is hurt by low-interest rates and what to do about it?
  • where do you go for “safe money” in today’s market?
  • why is the solution not one size fits all especially for those closing on retirement?

There are three things are in play in any of the solutions to consider:

  1. Is your money safe?
  2. Is your money liquid?
  3. What kind of return am I getting on my investment?

And there’s going to have to be a trade-off, unfortunately, you can’t always have all three.

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

 

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]]> Show Me the (Safe) Money!!! What to Consider Nearing Retirement Chris Burns - Dynamic Money Founder & Principal 00:19:40 The challenge to find safe money right now if you’re nearing or in retirement. what are your options, and why is a listener buying be a Coke?! Let’s break it down. The challenge to find safe money right now if you’re nearing or in retirement. what are your options, and why is a listener buying be a Coke?! Let’s break it down. money, financial advice, planning, financial news, safety, retire, low-interest rates, personal financial planning, investment, money liquid, money planning, safe, retirement planning, retirement advice, retirement, dynamic money, advice, invest, nearing retirement, assets, retirement questions no full 197 da721e4d-778b-4aa0-9beb-f7798173f3b2 A New Trend in Payday: The Perks of Accelerated Pay There's a new payday trend that we want to explore as it's offered in 12% of companies and looks to be growing. Let’s dive into accelerated pay and find out:

  • what is accelerated pay?
  • is accelerated pay a good idea for me?
  • and why it’s not black & white for everyone.

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way — Click here and ask our team any question. We would love to help you.

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]]> Fri, 4 Oct 2019 14:02:44 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/perks-accelerated-pay-6ACm_Yds There's a new payday trend that we want to explore as it's offered in 12% of companies and looks to be growing. Let’s dive into accelerated pay and find out:

  • what is accelerated pay?
  • is accelerated pay a good idea for me?
  • and why it’s not black & white for everyone.

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way — Click here and ask our team any question. We would love to help you.

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]]> A New Trend in Payday: The Perks of Accelerated Pay Chris Burns - Dynamic Money Founder & Principal 00:11:04 Accelerated pay allows you to access your already earned money at any point in the month instead of waiting for a designated payday. Some people think it’s a great thing, some people are skeptical. Let’s dive into why, some general advice, and make it simple for you. Accelerated pay allows you to access your already earned money at any point in the month instead of waiting for a designated payday. Some people think it’s a great thing, some people are skeptical. Let’s dive into why, some general advice, and make it simple for you. money, financial advice, personal financial planning, flexibility, emplyee perks, pay day, payment, financial discipline, payday, dynamic money, accelerated pay no full 196 fa4864c4-6368-467f-bbfa-d080e7022da4 Understand Your Benefit Options! Get The Best Healthcare Plan I’m here to help you figure out how to prepare yourself and your family for upcoming healthcare changes and help you find the best scenario for your situation. It’s boring, but it matters!

LET’S GET INTO THE WORLD OF HEALTHCARE AND DISCOVER:

  • the difference between a traditional healthcare plan and a high-deductible plan
  • which plan may be right for you
  • what an HSA is and why it can be transformative

Friends, a new study came out saying that the average cost of a family healthcare plan just passed $20,000 a year, and that’s JUST the cost of your premiums. That’s like buying a new economy car every year!

Let's make the best financial decision about this HUGE item in your budget.

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

 

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]]> Wed, 2 Oct 2019 01:17:02 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/benefit-options-best-healthcare-plan-6g4avyzI I’m here to help you figure out how to prepare yourself and your family for upcoming healthcare changes and help you find the best scenario for your situation. It’s boring, but it matters!

LET’S GET INTO THE WORLD OF HEALTHCARE AND DISCOVER:

  • the difference between a traditional healthcare plan and a high-deductible plan
  • which plan may be right for you
  • what an HSA is and why it can be transformative

Friends, a new study came out saying that the average cost of a family healthcare plan just passed $20,000 a year, and that’s JUST the cost of your premiums. That’s like buying a new economy car every year!

Let's make the best financial decision about this HUGE item in your budget.

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

 

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]]> Understand Your Benefit Options! Get The Best Healthcare Plan Chris Burns - Dynamic Money Founder & Principal 00:18:35 Open enrollment season starts November 1. ONE MONTH. We want you to consider a less traditional option to healthcare that could be transformative and help you as you continue on your larger plan to get you to your dreams for the future! Open enrollment season starts November 1. ONE MONTH. We want you to consider a less traditional option to healthcare that could be transformative and help you as you continue on your larger plan to get you to your dreams for the future! health savings account, healthcare, open enrollment season, financial news, best plan, traditional healthcare, novemeber 1, financial planning, best benefits, health care alternatives, taxes, financial decisions, healthcare advice, dynamic money, benefits plan, health, health care options, hsa, open enrollment no full 195 2679ea73-6147-4c86-a807-ee3a54999808 Feeling Stuck? How To Take A Step Towards Health What is your stuck? Rather than hiding from it, there is extreme power in facing it, talking about it, and making a baby step towards change. We're in this together and we believe health is contagious. Jump in with us.

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.
 

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]]> Fri, 27 Sep 2019 12:00:21 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/feeling-stuck-how-to-take-a-step-towards-health-aJJxtaPE What is your stuck? Rather than hiding from it, there is extreme power in facing it, talking about it, and making a baby step towards change. We're in this together and we believe health is contagious. Jump in with us.

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.
 

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]]> Feeling Stuck? How To Take A Step Towards Health Chris Burns - Dynamic Money Founder & Principal 00:20:26 When we feel stuck we feel shame, alone, and isolated, but friends It’s a normal experience. The answer is in taking the FIRST step and making progress. When we feel stuck we feel shame, alone, and isolated, but friends It’s a normal experience. The answer is in taking the FIRST step and making progress. financial advice, finding purpose, hope, life advice, goal setting, money talk, how to make progress, money help, alone, financial direction, bankrupcy, finding freedom, money woes, help, shame, stuck, dynamic money, depressed, counseling, isolated, first steps, health, financial freedom, tired, life tips no full 194 99c25b33-ad85-4cd1-91c2-8b7920d98a96 The Fed & A Conversation On What, Why, & How to Respond Serving up a much needed FED-ucation covering:

  • what  the Fed is and why they have an important job.
  • how the most boring institution in America suddenly turned into public enemy #1.
  • a healthy way to handle the never-ending news cycle.

The FED and what people are saying about it's role is creating a lot of anxiety right now. Here are the basics of not only what's going on, but how you can be prepared.

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.
 

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]]> Thu, 26 Sep 2019 12:00:16 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/the-fed-a-conversation-on-what-why-how-to-respond-9RtCR1Fe Serving up a much needed FED-ucation covering:

  • what  the Fed is and why they have an important job.
  • how the most boring institution in America suddenly turned into public enemy #1.
  • a healthy way to handle the never-ending news cycle.

The FED and what people are saying about it's role is creating a lot of anxiety right now. Here are the basics of not only what's going on, but how you can be prepared.

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.
 

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]]> The Fed & A Conversation On What, Why, & How to Respond Chris Burns - Dynamic Money Founder & Principal 00:22:31 There’s a lot of pressure on the Federal Reserve to cut interest rates, but that may not be the best thing for our economy in the long-term… What's it all mean and why is the FED in so many headlines?!? There’s a lot of pressure on the Federal Reserve to cut interest rates, but that may not be the best thing for our economy in the long-term… What's it all mean and why is the FED in so many headlines?!? money, interest rates, financial advice, predicting the market, what is the fed, fed, getting started, market drop, the fed, jerome powell, financial foundation, dynamic money, market crash, federal reserve, financial basics, stock market, rates, market watch no full 193 8a5f1f09-b5d4-4d88-a3d9-a88ecd90a343 Saving Is Sexy: Back to the Basics of Financial Planning Let me say it again, "SAVING."Do you have goosebumps, yet? 

We’re convincing you how the hottest financial move is actually SAVING and not always the complex trends you want to do. Let's get a foundation in place and if you don't believe it can be the real difference maker hit play and listen up... or SAVE it for later. : )

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.
 

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]]> Fri, 20 Sep 2019 20:34:18 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://www.dynamicmoney.com/blog/finanical-planning-saving Let me say it again, "SAVING."Do you have goosebumps, yet? 

We’re convincing you how the hottest financial move is actually SAVING and not always the complex trends you want to do. Let's get a foundation in place and if you don't believe it can be the real difference maker hit play and listen up... or SAVE it for later. : )

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.
 

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]]> Saving Is Sexy: Back to the Basics of Financial Planning Chris Burns - Dynamic Money Founder & Principal 00:10:12 Many of us get caught up in the hottest, most complex financial situations and forget the beautiful basics of finance that set you up for real success! Many of us get caught up in the hottest, most complex financial situations and forget the beautiful basics of finance that set you up for real success! financial saving, money tips, financial advice, debt, get out of debt, saving, financial planning, money advice, financial success, savers, dynamic money, save, financial planning tips, financial basics, financial stress, money savers no full 192 9936c92e-4db7-4e9d-addc-c0e015c7b180 "How Did You Get Into Financial Planning?" If you have a question you want to ask our team click here to send over any financial question, life question, or general thoughts for our team to weigh in on as you pursue financial health in your life.

]]> Wed, 18 Sep 2019 05:00:08 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/getting-started-financial-planning-chris-burns-JrkLn_8O If you have a question you want to ask our team click here to send over any financial question, life question, or general thoughts for our team to weigh in on as you pursue financial health in your life.

]]> "How Did You Get Into Financial Planning?" Chris Burns - Dynamic Money Founder & Principal 00:04:10 Bonus Episode: In a Lightning Round feature Alan asked Chris "How did you get into financial planning?" Spoiler Alert: there's a story, Chris gets passionate, and it's a longer answer than you expected and really worth your time. (This is 4 minutes and it would be worth listening to 2-3 times again.) Bonus Episode: In a Lightning Round feature Alan asked Chris "How did you get into financial planning?" Spoiler Alert: there's a story, Chris gets passionate, and it's a longer answer than you expected and really worth your time. (This is 4 minutes and it would be worth listening to 2-3 times again.) money, lightning round, financial advice, financial start, bankruptcy, personal financial planning, financial health, getting started, financial planning, dynamic money, financial planning career no bonus fedb87a6-6b9a-4c25-a1ef-6326dbabe019 The Largest Deficit on Record and...You You get a deficit! And you get a deficit! Everyone gets a deficit!

Even in the midst of the largest economic expansion on record, our government has somehow figured out how to have the largest deficit on record.

NOT ONLY THAT, but we’re projected to increase those deficits every year over the next number of years.

 

LET’S DIVE INTO THE WORLD OF DEFICITS AND UNPACK:

what’s in store for us if we keep on this spending trend

how this affects your retirement dollars

how to create a balanced and flexible plan

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

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As mentioned in the intro: Make A Nomination for Give Back Week

]]> Tue, 17 Sep 2019 21:29:50 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://www.dynamicmoney.com/blog/national-debt-impact-plan You get a deficit! And you get a deficit! Everyone gets a deficit!

Even in the midst of the largest economic expansion on record, our government has somehow figured out how to have the largest deficit on record.

NOT ONLY THAT, but we’re projected to increase those deficits every year over the next number of years.

 

LET’S DIVE INTO THE WORLD OF DEFICITS AND UNPACK:

what’s in store for us if we keep on this spending trend

how this affects your retirement dollars

how to create a balanced and flexible plan

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

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As mentioned in the intro: Make A Nomination for Give Back Week

]]> The Largest Deficit on Record and...You Chris Burns - Dynamic Money Founder & Principal 00:25:59 Cutting taxes + increasing spending = a big problem. This is basic math, folks. We are on an unhealthy trend here and I want to explore with you exactly how this may impact you and how a flexible financial plan can prepare you. Cutting taxes + increasing spending = a big problem. This is basic math, folks. We are on an unhealthy trend here and I want to explore with you exactly how this may impact you and how a flexible financial plan can prepare you. national spending, personal finances, debt, deficit, national conversation, financial planning, financial impact, impact, national debt no full 191 4a2a4ebe-f228-4281-b4b5-3ad635ffed83 "Can I Still Retire at My Target Age If I Started Investing Late?" Lightning Round It's the Lightning Round! We're answering your questions!

In this episode of the Dynamic Money show, we’re tackling how your financial world helps us understand how ready you are for retirement. There are so many factors and this question opens the door for us to jump in.

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

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]]> Tue, 10 Sep 2019 21:11:24 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://www.dynamicmoney.com/blog/invest-too-late-retire It's the Lightning Round! We're answering your questions!

In this episode of the Dynamic Money show, we’re tackling how your financial world helps us understand how ready you are for retirement. There are so many factors and this question opens the door for us to jump in.

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

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]]> "Can I Still Retire at My Target Age If I Started Investing Late?" Lightning Round Chris Burns - Dynamic Money Founder & Principal 00:04:41 I got into the investing game after the age of 50 with the hope of retiring somewhere around 65. Will this allow me to retire at my target age? I got into the investing game after the age of 50 with the hope of retiring somewhere around 65. Will this allow me to retire at my target age? financial advice, investing, ready for retirement, target retirement, chris burns, investing help, investing strategy, retirement planning, financial world, retirement, investing late, target retirement age, investment advice no bonus 0f1e8595-7737-45b1-8f20-a280c5c3a8f3 "Do I Need to Freeze My Deceased Parent's Credit?" Lightning Round It's the lightning round! We're answering your questions!

In this episode of the Dynamic Money show, we’re revisiting the conversation about freezeing your credit, but asking about if it is still relevant for someone to freeze the credit of a deceased family member.

What financial responsibilities do you have if a family member is deceased?

This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

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]]> Wed, 4 Sep 2019 14:59:01 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://www.dynamicmoney.com/blog/freeze-parents-credit It's the lightning round! We're answering your questions!

In this episode of the Dynamic Money show, we’re revisiting the conversation about freezeing your credit, but asking about if it is still relevant for someone to freeze the credit of a deceased family member.

What financial responsibilities do you have if a family member is deceased?

This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

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]]> "Do I Need to Freeze My Deceased Parent's Credit?" Lightning Round Chris Burns - Dynamic Money Founder & Principal 00:02:48 Would there be any reason to freeze a deceased parent’s social security number? They died three years ago, but mail still comes offering them credit cards. Would there be any reason to freeze a deceased parent’s social security number? They died three years ago, but mail still comes offering them credit cards. no bonus 89437951-50f6-426e-b1f0-3dbcb975c135 The Truth on When to NOT Buy A Warranty Cliff, a financial planner on our team, totally took a car salesman to school on the benefits of buying a warranty. We're sharing the free financial lesson that salesmen received with you. Do you buy warranties? When don't you? Have you had to use a warranty and had a bad experience?

There may be a better options to your warranty woes, and then some exceptions to consider. Let's dive in!

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

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]]> Fri, 30 Aug 2019 20:23:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://www.dynamicmoney.com/blog/buy-a-warranty-advice Cliff, a financial planner on our team, totally took a car salesman to school on the benefits of buying a warranty. We're sharing the free financial lesson that salesmen received with you. Do you buy warranties? When don't you? Have you had to use a warranty and had a bad experience?

There may be a better options to your warranty woes, and then some exceptions to consider. Let's dive in!

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

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]]> The Truth on When to NOT Buy A Warranty Chris Burns - Dynamic Money Founder & Principal 00:16:27 The war on warranties! Here’s your guide on when TO and when NOT TO buy that warranty and some options that give you financial flexibility. The war on warranties! Here’s your guide on when TO and when NOT TO buy that warranty and some options that give you financial flexibility. warranty advice, financial plan, financial advice, buy a warranty, money talk, financial planning, chris burns, money advice, warranties, funding, financial planner, warranty, finance, money thoughts, dynamic money, guide to warranties, emergency fund no full 190 6cd801b1-691b-4ca7-bfcb-037a07522d75 What Is the Best Strategy to Invest Your Money in a 401k at Retirement? You have questions, we have the Lightning Round! In this excerpt from the Dynamic Money show on 95.5 WSB, we answer a very common question regarding investing.

Ben asks, "I have $600,000 in a 401k. What is the best way to invest that for retirement?" What would you say? Does it match our advice? You'll have to see...

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you, like we helped Ben.

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]]> Tue, 27 Aug 2019 20:30:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) www.dynamicmoney.com/blog/best-investing-401k-retirement-strategy You have questions, we have the Lightning Round! In this excerpt from the Dynamic Money show on 95.5 WSB, we answer a very common question regarding investing.

Ben asks, "I have $600,000 in a 401k. What is the best way to invest that for retirement?" What would you say? Does it match our advice? You'll have to see...

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you, like we helped Ben.

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]]> What Is the Best Strategy to Invest Your Money in a 401k at Retirement? Chris Burns - Dynamic Money Founder & Principal 00:08:55 What’s the difference between a 401k, IRA, and Roth IRA? How do I invest the money in my 401k if I can’t move it? What if I can move it? What should I eat for breakfast? I’ll answer all these questions and MORE…okay not the breakfast one... THIS IS THE LIGHTNING ROUND! What’s the difference between a 401k, IRA, and Roth IRA? How do I invest the money in my 401k if I can’t move it? What if I can move it? What should I eat for breakfast? I’ll answer all these questions and MORE…okay not the breakfast one... THIS IS THE LIGHTNING ROUND! roth ira, financial advice, money strategy, investing, fiduciaries, investment strategy, financial planning, chris burns, invest my money, retirement strategy, investing strategy, retirement planning, 401k, ira, dynamic money, atlanta, invest, financial strategy, wsb no full 189 88419814-1fd4-4c4e-a76f-ce22f556fa09 US-China Trade Wars & What to Think Now In this extended episode of the Dynamic Money show, we’re reacting to the breaking news on everyone's mind as our nation and China go back and forth with tariffs. This episode is being released as soon as possible, as day-to-day news may change.

To stay informed of how each day's news may impact you subscribe to our "Daily Email Updates."

MOST IMPORTANTLY - If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

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]]> Sun, 25 Aug 2019 19:43:26 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/us-china-trade-wars-what-to-think-now-IlaxrKMb In this extended episode of the Dynamic Money show, we’re reacting to the breaking news on everyone's mind as our nation and China go back and forth with tariffs. This episode is being released as soon as possible, as day-to-day news may change.

To stay informed of how each day's news may impact you subscribe to our "Daily Email Updates."

MOST IMPORTANTLY - If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

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]]> US-China Trade Wars & What to Think Now Chris Burns - Dynamic Money Founder & Principal 00:39:59 Friday President Donald Trump escalated the situation between the US and China into a full "trade war." How will this impact your 401K, your financial planning, and your day-to-day anxiety? Join our BONUS extended conversation to know what to think and how to respond. Friday President Donald Trump escalated the situation between the US and China into a full "trade war." How will this impact your 401K, your financial planning, and your day-to-day anxiety? Join our BONUS extended conversation to know what to think and how to respond. donald trump, financial advice, china, financial planning, market volatility, trade wars, tariffs, us china trade wars no bonus ad6c2d2c-2c6c-4d69-8aa5-b998789e8eda How to Invest In This Roller Coaster Market My brother forced me to ride my first roller coaster. It wasn't a good experience.

Too many of you are on a roller coaster of the market and your experience won't end well, because you're ultimately NOT in control. In this episode of the Dynamic Money show, we’re offering a better approve to financial planning and growing wealth than playing the market. This is focused on what you can control and elements you can be confident in.

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

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]]> Wed, 21 Aug 2019 17:29:30 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) http://www.dynamicmoney.com/blog/invest-advice-market-volatility My brother forced me to ride my first roller coaster. It wasn't a good experience.

Too many of you are on a roller coaster of the market and your experience won't end well, because you're ultimately NOT in control. In this episode of the Dynamic Money show, we’re offering a better approve to financial planning and growing wealth than playing the market. This is focused on what you can control and elements you can be confident in.

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

Let's stay in touch:

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Contact Dynamic Money & Get a Financial Plan Built for Life

]]> How to Invest In This Roller Coaster Market Chris Burns - Dynamic Money Founder & Principal 00:21:41 The market is unpredictable, and you shouldn’t be watching it to make your financial decisions. We’ll explore a better option… one that watches the market, but is based on elements you can control so you can reach the destination you desire. The market is unpredictable, and you shouldn’t be watching it to make your financial decisions. We’ll explore a better option… one that watches the market, but is based on elements you can control so you can reach the destination you desire. financial advice, investing, unpredictable market, market volatility, investments, invest, volatile market, investing advice, market watch no full 188 6ff863c9-9b42-42a6-8f1f-7d9d078fcc13 The 2 Most Important Investing Rules People Get Wrong Investing is made too complicated. I'm going to give you two simple rules that are easy to remember:

  1. Good investing isn't sexy.
  2. The market dropping isn't always bad.

This investing conversation comes from a question focused on how to get started investing, but the truth is these are rules and principles so many people miss.

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

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]]> Fri, 16 Aug 2019 20:48:16 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/2-most-important-investing-rules-nbAXm1Qn Investing is made too complicated. I'm going to give you two simple rules that are easy to remember:

  1. Good investing isn't sexy.
  2. The market dropping isn't always bad.

This investing conversation comes from a question focused on how to get started investing, but the truth is these are rules and principles so many people miss.

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

Let's stay in touch:

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Contact Dynamic Money & Get a Financial Plan Built for Life

]]> The 2 Most Important Investing Rules People Get Wrong Chris Burns - Dynamic Money Founder & Principal 00:16:52 The best-investing advice I’d give you, your teens, and ALL our clients is that 1) good investing isn’t that exciting and 2) the market dropping isn’t a ‘bad’ thing in the long-run. If you can live by those rules that too many people miss there are A LOT of benefits for your future. The best-investing advice I’d give you, your teens, and ALL our clients is that 1) good investing isn’t that exciting and 2) the market dropping isn’t a ‘bad’ thing in the long-run. If you can live by those rules that too many people miss there are A LOT of benefits for your future. financial advice, investing, financial investment, investment advice, investments no full 187 e4600a03-1efb-4831-aef5-69c7e38ef738 Expert Cyber Security Q&A with John Lucich of Network Security Group Inc. John Lucich is one the top cyber security experts in the country who joined the Dynamic Money show to share exactly what you and I can do to PREPARE and PROTECT our online information.

In this episode of the Dynamic Money show, we say the words "freeze your credit" a lot. We ask John all about the frightening risks that come with today's digital world and unpack his practical advice on what we can do today to protect your future.

For those interested in a notes recap, here’s what you can do right now:

  1. Monitor, or more importantly FREEZE, your credit!
  2. Make sure you have really good anti-virus software and keep it up to date.
  3. Keep User Access Control ON.
  4. Stop browsing the web at work.
  5. ALWAYS Use Two-Factor Authentication.

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question.

We would love to help you.


Show Links:
Learn More About John's Company Network Security Group Inc.
Listen to John's Podcast Talking Technologies

Stay Connected with Dynamic Money:

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]]> Tue, 13 Aug 2019 19:46:59 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://www.dynamicmoney.com/blog/cyber-security-expert-advice John Lucich is one the top cyber security experts in the country who joined the Dynamic Money show to share exactly what you and I can do to PREPARE and PROTECT our online information.

In this episode of the Dynamic Money show, we say the words "freeze your credit" a lot. We ask John all about the frightening risks that come with today's digital world and unpack his practical advice on what we can do today to protect your future.

For those interested in a notes recap, here’s what you can do right now:

  1. Monitor, or more importantly FREEZE, your credit!
  2. Make sure you have really good anti-virus software and keep it up to date.
  3. Keep User Access Control ON.
  4. Stop browsing the web at work.
  5. ALWAYS Use Two-Factor Authentication.

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question.

We would love to help you.


Show Links:
Learn More About John's Company Network Security Group Inc.
Listen to John's Podcast Talking Technologies

Stay Connected with Dynamic Money:

Subscribe to Dynamic Money Updates

Connect with us on Facebook & Instagram

Ask Us any Question About What You Heard

Contact Dynamic Money & Get a Financial Plan Built for Life

]]> Expert Cyber Security Q&A with John Lucich of Network Security Group Inc. Chris Burns - Dynamic Money Founder & Principal 00:28:22 5 things cybersecurity expert John Lucich suggests to keep your information secure, save you thousands of dollars and prevent months of headaches. 5 things cybersecurity expert John Lucich suggests to keep your information secure, save you thousands of dollars and prevent months of headaches. data breach, how to protect your identity, interview, freeze your credit, risk, identity stolen, security expert, cyber security, network security group, chris burns, cybersecurity, john lucich, identity theft, data security, digital cyber security, fraud, wsb no full 186 38f19cd7-5a43-4a76-9505-cda6db7c3766 How to Retire Sooner & See Your Dreams Earlier Let's high five every couple that inspired us enough to record this episode! It has become a regular thing in our planning meetings to hear "But, I want to travel and see the world while we're still young."

If you've wrestled with how to disrupt traditional retirement planning and experience your dreams sooner, you're not alone. This conversation is to tell you that it is possible, and retirement today is dramatically changing. We want you to change how you think about retirement, and with that it may open up your eyes to how you can experience your dreams for your life sooner than you realize.

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question.

We would love to help you build a financial plan built for life based on your dreams for the future. It's what we do.

Let's stay in touch:

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Ask Us any Question About What You Heard

Contact Dynamic Money & Get a Financial Plan Built for Life

]]> Tue, 6 Aug 2019 16:13:56 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://dynamicmoney.com/blog/planning-retire-sooner Let's high five every couple that inspired us enough to record this episode! It has become a regular thing in our planning meetings to hear "But, I want to travel and see the world while we're still young."

If you've wrestled with how to disrupt traditional retirement planning and experience your dreams sooner, you're not alone. This conversation is to tell you that it is possible, and retirement today is dramatically changing. We want you to change how you think about retirement, and with that it may open up your eyes to how you can experience your dreams for your life sooner than you realize.

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question.

We would love to help you build a financial plan built for life based on your dreams for the future. It's what we do.

Let's stay in touch:

Subscribe to Dynamic Money Updates

Connect with us on Facebook & Instagram

Ask Us any Question About What You Heard

Contact Dynamic Money & Get a Financial Plan Built for Life

]]> How to Retire Sooner & See Your Dreams Earlier Chris Burns - Dynamic Money Founder & Principal 00:26:12 Let’s talk about a different approach to retirement planning that puts your dreams in the forefront. This lifestyle is increasingly popular and isn't as focused on a "retirement age" but living out your dreams. You don’t need to wait for retirement to start living out your dreams, because we aren’t guaranteed to live for another 20, 30, or 40 years. You can build your dreams into your life now! Let’s talk about a different approach to retirement planning that puts your dreams in the forefront. This lifestyle is increasingly popular and isn't as focused on a "retirement age" but living out your dreams. You don’t need to wait for retirement to start living out your dreams, because we aren’t guaranteed to live for another 20, 30, or 40 years. You can build your dreams into your life now! financial plan, planning, financial planning, chris burns, retirement strategy, retirement advice, retirement, how to retire early, retire early, young retirement, dynamic money, early retirement, financial strategy, wsb, dynamic money planning no full 185 176d793c-e1e6-4524-a3c6-7bc62c9125d0 A Costly Mistake: Watching The Bottom Line of Your Finances Shout out to the man getting his haircut next to me for asking me all the questions that inspired this show. You sir, look amazing and are very helpful.

When you get your investment statement, what do you look at to measure if it is doing well?

Are you guilty of looking at the bottom line of your investments? In this episode of the Dynamic Money show, we’re talking about how advisors can and are hiding fees and costs due to the excessive growth we are seeing in the market. Listen and hear how you should never pay more than 1% and all the many other joys of monitoring your wealth.

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

Let's stay in touch:

Subscribe to Dynamic Money Updates

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Ask Us any Question About What You Heard

Contact Dynamic Money & Get a Financial Plan Built for Life

]]> Thu, 1 Aug 2019 16:00:03 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://dynamicmoney.com/blog/cost-bottom-line-financial-planning Shout out to the man getting his haircut next to me for asking me all the questions that inspired this show. You sir, look amazing and are very helpful.

When you get your investment statement, what do you look at to measure if it is doing well?

Are you guilty of looking at the bottom line of your investments? In this episode of the Dynamic Money show, we’re talking about how advisors can and are hiding fees and costs due to the excessive growth we are seeing in the market. Listen and hear how you should never pay more than 1% and all the many other joys of monitoring your wealth.

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

Let's stay in touch:

Subscribe to Dynamic Money Updates

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Ask Us any Question About What You Heard

Contact Dynamic Money & Get a Financial Plan Built for Life

]]> A Costly Mistake: Watching The Bottom Line of Your Finances Chris Burns - Dynamic Money Founder & Principal 00:21:30 Bottom line? Well, you could easily be paying too much in fees and losing money. I’ll tell you why… Bottom line? Well, you could easily be paying too much in fees and losing money. I’ll tell you why… cost of financial planning, financial advice, payments, bottom line, financial planners, costly advice, chris burns, finance, wsb no full 184 89ea66c1-0cb7-4e2f-88ef-3258db98caf4 You're Fired!!! What Do You Do to Protect Your Future? Oh boy! Job loss is hard to go through, to witness, and to see end poorly.

Instead of the panicked frenzy where you feel like you have to take the first job you find, I want to talk you through how this painful reality can be something for your good! This is a mindset shift and it won't be easy. But when don't correctly, this job loss may be what puts you on a track to reach your dreams!

MOST IMPORTANTLY - This podcast exists for you! To help you see how recent financial news affects your life, your wallet and your future. We're real people who love talking with real people. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question.

We would love to help you.

Let's stay in touch:

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Contact Dynamic Money & Get a Financial Plan Built for Life

]]> Tue, 30 Jul 2019 20:19:29 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://dynamicmoney.com/blog/job-loss-advice Oh boy! Job loss is hard to go through, to witness, and to see end poorly.

Instead of the panicked frenzy where you feel like you have to take the first job you find, I want to talk you through how this painful reality can be something for your good! This is a mindset shift and it won't be easy. But when don't correctly, this job loss may be what puts you on a track to reach your dreams!

MOST IMPORTANTLY - This podcast exists for you! To help you see how recent financial news affects your life, your wallet and your future. We're real people who love talking with real people. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question.

We would love to help you.

Let's stay in touch:

Subscribe to Dynamic Money Updates

Connect with us on Facebook & Instagram

Ask Us any Question About What You Heard

Contact Dynamic Money & Get a Financial Plan Built for Life

]]> You're Fired!!! What Do You Do to Protect Your Future? Chris Burns - Dynamic Money Founder & Principal 00:11:31 Job loss hurts. But, what’s next can be a major step forward if you approach it correctly. Here is what to do and what NOT to do when you get laid off! Job loss hurts. But, what’s next can be a major step forward if you approach it correctly. Here is what to do and what NOT to do when you get laid off! unemployment, career moves, atlanta radio, pink slip, career transitions, job loss, career advice, chris burns, atlanta jobs, jobs, youre fired, unemployed, just fired, job, dynamic money, in between jobs, fired, wsb no full 183 b28e3b0a-a472-4a02-a23e-784515401b28 How I Failed, But You Don't Have To... Fail.

Oh boy. This episode is inspired by a true and recent experience of dropping the ball with a client. My recent lapse in customer care made me think of the bigger picture of how we so often let our failures beat us up. It's easy for financial failures to feel daunting, but there is truth and hope I want each of you to grab a hold of in this episode. Listen and plan to fail well.

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

Let's stay in touch:

Subscribe to Dynamic Money Updates

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Ask Us any Question About What You Heard

Contact Dynamic Money & Get a Financial Plan Built for Life

]]> Fri, 26 Jul 2019 14:20:11 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://www.dynamicmoney.com/blog/financial-failure-future-hope Fail.

Oh boy. This episode is inspired by a true and recent experience of dropping the ball with a client. My recent lapse in customer care made me think of the bigger picture of how we so often let our failures beat us up. It's easy for financial failures to feel daunting, but there is truth and hope I want each of you to grab a hold of in this episode. Listen and plan to fail well.

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

Let's stay in touch:

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Contact Dynamic Money & Get a Financial Plan Built for Life

]]> How I Failed, But You Don't Have To... Chris Burns - Dynamic Money Founder & Principal 00:11:07 Failure stings — trust me, I know! But it costs you more if you live in shame, regret, or fear. If you can learn from your mistake(s) and make a change, you’re better for it. It’s a journey, friends. Here's my story of recent failure. Failure stings — trust me, I know! But it costs you more if you live in shame, regret, or fear. If you can learn from your mistake(s) and make a change, you’re better for it. It’s a journey, friends. Here's my story of recent failure. financial journey, financial plan, make change, financial advice, financial struggle, failure, financial failure, personal failure, money help, financial planning, chris burns, dynamic money no full 182 5051bfa8-17bc-4acb-a23a-9f76b17a2c6f All Signs Point Towards a Recession Coming... But Is It? You won't be able to relate to this show if you've never worried about finances or you've never had the power go out on you, We’re running strait into the buzzsaw of the recession predictions clouding our judgement and evaluating "the biggest indicator." Recession may be coming, but there are some things you can control to be ready when it does.

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

Let's stay in touch:

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Contact Dynamic Money & Get a Financial Plan Built for Life

]]> Thu, 18 Jul 2019 16:00:02 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) www.dynamicmoney.com/blog/recession-coming You won't be able to relate to this show if you've never worried about finances or you've never had the power go out on you, We’re running strait into the buzzsaw of the recession predictions clouding our judgement and evaluating "the biggest indicator." Recession may be coming, but there are some things you can control to be ready when it does.

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

Let's stay in touch:

Subscribe to Dynamic Money Updates

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]]> All Signs Point Towards a Recession Coming... But Is It? Chris Burns - Dynamic Money Founder & Principal 00:18:32 An indicator of a recession has just reached the highest levels since the last market crash…but how often has it reached those levels in the last 60 years without the market crashing? Be weary about how you’re responding to these “predictions” about the market!! An indicator of a recession has just reached the highest levels since the last market crash…but how often has it reached those levels in the last 60 years without the market crashing? Be weary about how you’re responding to these “predictions” about the market!! prepared, financial plan, recession coming, financial planning, chris burns, money advice, recession prepardness, market predictions, help, dynamic money, market crash, recession, market indicators no full 181 acdaf135-5635-47b9-96c9-0c475987555a 2 Simple Investment Tips To Learn From Last Month Learning these two investments tips apply to life far beyond financial growth. Honestly, I'm trying to teach my oldest son these lessons too and am not quite getting through to him. Maybe you can learn from the past month's news headlines and MAKE SOME REAL PROGRESS for your long-term investments. It's a simple mindset shift.

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

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]]> Tue, 16 Jul 2019 16:00:07 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/2-simple-investment-tips-to-learn-from-last-month-ihY5KFu_ Learning these two investments tips apply to life far beyond financial growth. Honestly, I'm trying to teach my oldest son these lessons too and am not quite getting through to him. Maybe you can learn from the past month's news headlines and MAKE SOME REAL PROGRESS for your long-term investments. It's a simple mindset shift.

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

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]]> 2 Simple Investment Tips To Learn From Last Month Chris Burns - Dynamic Money Founder & Principal 00:17:32 If you want to be successful long-term, you can’t invest based on the short-term predictions of news media or political institutions. It doesn’t matter if you’re 25 or 55, you’ve got to break out of that cyclical, short-term mindset. If you want to be successful long-term, you can’t invest based on the short-term predictions of news media or political institutions. It doesn’t matter if you’re 25 or 55, you’ve got to break out of that cyclical, short-term mindset. no full 180 fb50d164-2dbf-4f7a-89fb-c2520bc2575c How to Proactively Deal With China Trade News In this episode of the Dynamic Money show, we're reacting to the news around the China Trade Deal. Most interestingly, we're reacting to an article that offered an insightful "damned if you do, damned if you don't" commentary. How do you rise above the news headlines! #STOPTHEMADNESS #LetsDiscuss

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

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]]> Tue, 2 Jul 2019 19:38:48 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/how-to-proactively-deal-with-china-trade-news-fk3y0n8M In this episode of the Dynamic Money show, we're reacting to the news around the China Trade Deal. Most interestingly, we're reacting to an article that offered an insightful "damned if you do, damned if you don't" commentary. How do you rise above the news headlines! #STOPTHEMADNESS #LetsDiscuss

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

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]]> How to Proactively Deal With China Trade News Chris Burns - Dynamic Money Founder & Principal 00:16:49 Trade tensions with China have been the cause of much of the market volatility for the last two years. There’s no way of predicting what will happen next or how what happens will affect the market. You can, however, proactively prepare by basing your investments on things outside of the news cycle. Trade tensions with China have been the cause of much of the market volatility for the last two years. There’s no way of predicting what will happen next or how what happens will affect the market. You can, however, proactively prepare by basing your investments on things outside of the news cycle. news, the dynamic money show, proactive investing, china, financial news, headlines, investment strategy, chris burns, dynamic money, media, wsb no full 179 ddcf1f24-1c08-4d33-b74a-697ed57a82ca I'm Nearing Retirement & I'm Scared... This episode of the Dynamic Money show is for the CEO, CFO, Average Joe, and YOU because financial fears are as unifying as loving a good pizza. If you have doubts about your retirement plan, you're just like our listener who inspired this episode. We're going to give you some real practical input and transform your fear into peace. It's possible friends, I PROMISE.

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

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]]> Fri, 28 Jun 2019 18:24:28 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/im-nearing-retirement-im-scared-u2xjLcQV This episode of the Dynamic Money show is for the CEO, CFO, Average Joe, and YOU because financial fears are as unifying as loving a good pizza. If you have doubts about your retirement plan, you're just like our listener who inspired this episode. We're going to give you some real practical input and transform your fear into peace. It's possible friends, I PROMISE.

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

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]]> I'm Nearing Retirement & I'm Scared... Chris Burns - Dynamic Money Founder & Principal 00:13:18 If you're anxious about retiring, you're in good company. Virtually everyone we meet with turns white when we say "retirement plan." Here’s our best advice (and it isn't more money) for overcoming your financial stress and living in peace. If you're anxious about retiring, you're in good company. Virtually everyone we meet with turns white when we say "retirement plan." Here’s our best advice (and it isn't more money) for overcoming your financial stress and living in peace. retirement plan, financial plan, financial advice, retire, help retiring, approaching retirement, financial planning, retirement planning, retirement advice, retirement stress, retirement, retiring, retire early, dynamic money, retirement help, retire well, nearing retirement no full 178 92b87ba9-6e46-43c5-a814-5843f100f551 Who Is The Fed Helping & Hurting By Lowering Interest Rates In this episode of the Dynamic Money show, we share how the fed lowering interest rates is good news for homeowners and bad news for those nearing retirement. It's crucial to understand how to be best prepared if you are closing on your retirement years.

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

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]]> Thu, 27 Jun 2019 16:00:07 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/the-fed-should-have-your-attention-as-interest-rates-look-to-drop-iQkaUAhS In this episode of the Dynamic Money show, we share how the fed lowering interest rates is good news for homeowners and bad news for those nearing retirement. It's crucial to understand how to be best prepared if you are closing on your retirement years.

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

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]]> Who Is The Fed Helping & Hurting By Lowering Interest Rates Chris Burns - Dynamic Money Founder & Principal 00:18:51 The Fed keeps hinting that interest rates are going to drop. This impacts all of us but it is particularly good and bad for different stages of life and planning. INTERESTing... The Fed keeps hinting that interest rates are going to drop. This impacts all of us but it is particularly good and bad for different stages of life and planning. INTERESTing... interest rates, retire, home owners, the fed, interest, retirement, retiring, lowering interest rates, low interest, nearing retirement no full 177 3cfe188d-8917-448b-99a2-809aa2ffb5a4 The Key to Good Investing In A Cryptocurrency World In this episode of the Dynamic Money show, we’re getting SEXY!

We're talking about the sexiest investment trend: cryptocurrency and immediately telling you how boring is best for your long-term success. But, that doesn't mean there isn't a role for Crypto to play in your investing strategy.

Here’s a healthy response to the cryptocurrency buzz and advice for good investing.

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

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]]> Tue, 25 Jun 2019 20:00:03 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/the-key-to-good-investing-in-a-cryptocurrency-world-RO2LHEYD In this episode of the Dynamic Money show, we’re getting SEXY!

We're talking about the sexiest investment trend: cryptocurrency and immediately telling you how boring is best for your long-term success. But, that doesn't mean there isn't a role for Crypto to play in your investing strategy.

Here’s a healthy response to the cryptocurrency buzz and advice for good investing.

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

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]]> The Key to Good Investing In A Cryptocurrency World Chris Burns - Dynamic Money Founder & Principal 00:19:50 Chasing the sexy new trend isn’t our advice. What works is actually much less exciting, but IT WORKS. (And your friend, crypto, can come, too.) Chasing the sexy new trend isn’t our advice. What works is actually much less exciting, but IT WORKS. (And your friend, crypto, can come, too.) good investing, atlanta radio, early investor, bitcoin, investment, cryptocurrency, chris burns, good money strategy, key to good investing, investing strategy, investor, digital currency, dynamic money, investments, key to wealth, young investor, invest, libra, investing advice, wsb no full 176 d9903973-77fa-4063-a567-2dad8b3bf983 Important to Know Before You Move Money With Anyone In this episode of the Dynamic Money show, I get mad. I meet with a lot of people who have been taken advantage of by previous “financial advisors”, and it grieves me to see the results of that.

When it comes to choosing a financial advisor, there are some very important questions you need to ask.

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

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]]> Sat, 22 Jun 2019 20:00:20 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/important-to-know-before-you-move-money-pum9EfRa In this episode of the Dynamic Money show, I get mad. I meet with a lot of people who have been taken advantage of by previous “financial advisors”, and it grieves me to see the results of that.

When it comes to choosing a financial advisor, there are some very important questions you need to ask.

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

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]]> Important to Know Before You Move Money With Anyone Chris Burns - Dynamic Money Founder & Principal 00:08:37 I’ve seen WAY too many people get taken advantage of by financial advisors. It’s your money and you need to know where it’s going! I’ve seen WAY too many people get taken advantage of by financial advisors. It’s your money and you need to know where it’s going! chris burns, moving money, financial advisors, choosing a financial planner, financial risks, financial plans, dynamic money, money moves, looking for a planner no full 175 9eaee6a0-88d3-404a-a915-2975faa938c9 How To Overcome The Negativity In The News & Create True Financial Security In this episode of the Dynamic Money show, we’re talking about the good, the bad, and the news. It's impossible to ignore the negative slant of today's news cycle unless you have a healthy financial foundation. We're going to address both sides of the coin and set you on a track of achievable peace in your financial plan.

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

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]]> Thu, 20 Jun 2019 20:00:02 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/how-to-overcome-the-negativity-in-the-GlZ6Lt1S In this episode of the Dynamic Money show, we’re talking about the good, the bad, and the news. It's impossible to ignore the negative slant of today's news cycle unless you have a healthy financial foundation. We're going to address both sides of the coin and set you on a track of achievable peace in your financial plan.

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

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]]> How To Overcome The Negativity In The News & Create True Financial Security Chris Burns - Dynamic Money Founder & Principal 00:21:08 Good news is good…but bad news sells! That’s why the nature of the news cycle is so dangerous to your financial health. Good news is good…but bad news sells! That’s why the nature of the news cycle is so dangerous to your financial health. financial advice, money news, financial news, bad news, money talk, reactive news, chris burns, overcome news, financial stability, news cycle, dynamic money, headline news no full 174 acf3793e-5d36-44a9-8f51-a894d91777c7 Will Cutting Interest Rates Now Hurt You in the Long Run? In this episode of the Dynamic Money show, we’re talking about the Fed. We explain the role and importance of the Federal Reserve and how the current decisions they're making may have ripples into your future planning. Then we make it really personal in a slightly unexpected way... enjoy.

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

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]]> Tue, 18 Jun 2019 20:54:25 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/will-cutting-interest-rates-now-hurt-yo-1EcWtL9F In this episode of the Dynamic Money show, we’re talking about the Fed. We explain the role and importance of the Federal Reserve and how the current decisions they're making may have ripples into your future planning. Then we make it really personal in a slightly unexpected way... enjoy.

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

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]]> Will Cutting Interest Rates Now Hurt You in the Long Run? Chris Burns - Dynamic Money Founder & Principal 00:22:06 Why are we seeing a change in interest rates? We'll there is a lot of pressure on the Federal Reserve to cut rates. The problem is, our economy is still healthy... and it may ultimately, HURT US. Why are we seeing a change in interest rates? We'll there is a lot of pressure on the Federal Reserve to cut rates. The problem is, our economy is still healthy... and it may ultimately, HURT US. financial plan, interest rates, low interest rates, fed, chris burns, interest, low interest, dynamic money, long term financial planning, federal reserve, high interest rates no full 173 297f9554-3f43-47c9-8cd5-8eda06db9b88 How Attacking Debt Could Be Hurting Your Financial Growth Debt is a monster and surely deserves your attention, but not until you've done other key financial moves first. YES, really. I'm making the argument that real financial growth actually comes when you ignore your debt and focus on building your savings first.

Did you know that SEVEN OUT OF 10 college students have at least one credit card. According to a survey for http://CompareCards.com , 37% have made a late payment and 62% have carried a balance.

Debt isn't only an issue of the young, it is seemingly a common denominator in personal finance today. But there is a better way!

In this episode of the Dynamic Money show, we’re talking about building a financial foundation first and that the best way to break the debt cycle is to stop attacking it (for at least a short strategic season of life).

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. The Dynamic Money team would love to help you.

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]]> Mon, 10 Jun 2019 18:49:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/how-attacking-debt-could-be-hurting-you-_66LAoNF Debt is a monster and surely deserves your attention, but not until you've done other key financial moves first. YES, really. I'm making the argument that real financial growth actually comes when you ignore your debt and focus on building your savings first.

Did you know that SEVEN OUT OF 10 college students have at least one credit card. According to a survey for http://CompareCards.com , 37% have made a late payment and 62% have carried a balance.

Debt isn't only an issue of the young, it is seemingly a common denominator in personal finance today. But there is a better way!

In this episode of the Dynamic Money show, we’re talking about building a financial foundation first and that the best way to break the debt cycle is to stop attacking it (for at least a short strategic season of life).

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. The Dynamic Money team would love to help you.

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]]> How Attacking Debt Could Be Hurting Your Financial Growth Chris Burns - Dynamic Money Founder & Principal 00:21:45 Too many of us are trapped in a cycle of debt and we put every extra penny we have towards paying it off. I want to convince you that you can break the cycle of debt a better way… Too many of us are trapped in a cycle of debt and we put every extra penny we have towards paying it off. I want to convince you that you can break the cycle of debt a better way… money, financial moves, financial plan, financial advice, debt monster, debt strategy, debt, saving money, financial growth, saving, foundation first, financial planning, chris burns, financial planner, money saving, financial foundation, hurt by debt, dynamic money, debt vs saving, attacking debt, atlanta, wsb no full 172 6ff85d53-254a-4aaa-9dc9-93d7d2179262 4 Practical Tips for Picking the BEST Realtor In this episode of the Dynamic Money show, we’re going to try and not ruin your friendships with your realtor friends. But, we are going to give you 4 great questions to ask before you start your next home hunt. This is packed with practical thoughts for every home buyers out there.

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

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]]> Fri, 7 Jun 2019 20:00:07 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/4-practical-tips-for-picking-the-best-r-R4TJQpp0 In this episode of the Dynamic Money show, we’re going to try and not ruin your friendships with your realtor friends. But, we are going to give you 4 great questions to ask before you start your next home hunt. This is packed with practical thoughts for every home buyers out there.

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

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]]> 4 Practical Tips for Picking the BEST Realtor Chris Burns - Dynamic Money Founder & Principal 00:09:13 Look, I get it, your high school buddy is a realtor and they know you want to sell your house. But do not, I repeat, DO NOT pick a realtor based off of friendship or relationship. I ALWAYS recommend asking these 4 questions as you start your home-buying search. Look, I get it, your high school buddy is a realtor and they know you want to sell your house. But do not, I repeat, DO NOT pick a realtor based off of friendship or relationship. I ALWAYS recommend asking these 4 questions as you start your home-buying search. realty, planning, life advice, home search, financial planning, chris burns, realtor, realtors, home buying, dynamic money, atlanta, home buyer, financial tips, wsb no full 171 790f401d-fd2f-4f19-9f1a-9cdfa1d2d52f What Are RMD’s & Are There Exceptions? (LIGHTNING ROUND) Do you have a question about anything financial in your world? We would love to help and maybe feature you on the Lightning Round, too.

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]]> Fri, 17 May 2019 16:01:12 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/what-are-rmd-s-are-there-exceptions-lig-EB2YBAxh Do you have a question about anything financial in your world? We would love to help and maybe feature you on the Lightning Round, too.

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]]> What Are RMD’s & Are There Exceptions? (LIGHTNING ROUND) Chris Burns - Dynamic Money Founder & Principal 00:01:31 In this Lightning Round episode of the **Dynamic Money** show, we’re answering a question sent in on RMD's. RMD's or required minimum distributions are enforced when you hit 70 and a half. Let’s explain what they are, the reason, and some little exceptions to be aware of. Do you have a question about anything financial in your world? We would love to help. In this Lightning Round episode of the **Dynamic Money** show, we’re answering a question sent in on RMD's. RMD's or required minimum distributions are enforced when you hit 70 and a half. Let’s explain what they are, the reason, and some little exceptions to be aware of. Do you have a question about anything financial in your world? We would love to help. rmd, rmds, financial planning, retirement advice, retirement, retirement question, retirement help, reitrement planning, required minimum distributions no bonus c047eeca-bdd9-4c21-88a5-4826e6cf34d7 Terrible News For People Who Love Financial Headlines In this episode of the Dynamic Money show, we’re talking about how people may prefer simplicity but the financial world is complex. It doesn’t make sense to say a drop or a rise is simply good or bad! It is entirely dependent upon your situation. And if you can't embrace a more complex financial perspective than the headlines, than you may lose a lot.

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

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]]> Fri, 10 May 2019 20:00:02 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/terrible-news-for-people-who-love-JsHTRqfy In this episode of the Dynamic Money show, we’re talking about how people may prefer simplicity but the financial world is complex. It doesn’t make sense to say a drop or a rise is simply good or bad! It is entirely dependent upon your situation. And if you can't embrace a more complex financial perspective than the headlines, than you may lose a lot.

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

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]]> Terrible News For People Who Love Financial Headlines Chris Burns - Dynamic Money Founder & Principal 00:19:43 When we don’t grapple with the complexity of the financial world, when we try to simplify it, we lose a lot. When we don’t grapple with the complexity of the financial world, when we try to simplify it, we lose a lot. financial advice, financial news, headlines, chris burns, finance, dynamic money no full 170 de9ce780-eec0-4209-a3d9-8acae8e4379a Nervous to Retire on a 401k? This Is For You In this episode of the Dynamic Money show, we’re talking about Mr. 401k and how he plans to help people to retire (something he hasn't done yet.) We can forget that the 401k was introduced to the public in the eighties, giving soon-to-retire people some nerves. But there is a remedy we call "Advanced Income Planning" and with the right approach peace is within grasp.

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

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]]> Thu, 9 May 2019 20:50:04 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/nervous-to-retire-on-a-401k-this-is-for-8RlFlA0T In this episode of the Dynamic Money show, we’re talking about Mr. 401k and how he plans to help people to retire (something he hasn't done yet.) We can forget that the 401k was introduced to the public in the eighties, giving soon-to-retire people some nerves. But there is a remedy we call "Advanced Income Planning" and with the right approach peace is within grasp.

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]]> Nervous to Retire on a 401k? This Is For You Chris Burns - Dynamic Money Founder & Principal 00:13:27 If you are getting ready to retire, you are the first generation EVER to retire on a 401k. This sounds scary…but it doesn’t have to. I’m going to talk you through why nerves are normal and how to plan for retirement. If you are getting ready to retire, you are the first generation EVER to retire on a 401k. This sounds scary…but it doesn’t have to. I’m going to talk you through why nerves are normal and how to plan for retirement. money, retiring on a 401k, income planning, financial advice, planning for retirement, retirement nerves, chris burns, money advice, 401k, retirement, retiring, dynamic planning, income, dynamic money, fear about retirement, retiring soon, atlanta, retiring advice, financial help, wsb no full 169 2746c78b-fb5d-4edd-9942-2f678f18cb0f The Lowest Unemployment Rate in 50 Years and What You Need To Do About It In this episode of the Dynamic Money show, we’re talking about the recent report released showing the incredibly low 3.6% unemployment rate. This wild news has practical impact on someone you know... I'll tell you how. It may just be time to give your co-workers a going away present and get your dream job. Let's jump in...

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]]> Wed, 8 May 2019 20:08:07 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/the-lowest-unemployment-rate-in-50-year-K4JH7Oi4 In this episode of the Dynamic Money show, we’re talking about the recent report released showing the incredibly low 3.6% unemployment rate. This wild news has practical impact on someone you know... I'll tell you how. It may just be time to give your co-workers a going away present and get your dream job. Let's jump in...

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]]> The Lowest Unemployment Rate in 50 Years and What You Need To Do About It Chris Burns - Dynamic Money Founder & Principal 00:15:59 You, yes you, even if you're "happily employed" this news is worth diving into further. This headline affects the employed, unemployed, and soon-to-be employed too! If you are not getting paid according to what you are worth, now is the time to make a move. And if you’re sitting on the sidelines, know that many great people are looking for a good hire! You, yes you, even if you're "happily employed" this news is worth diving into further. This headline affects the employed, unemployed, and soon-to-be employed too! If you are not getting paid according to what you are worth, now is the time to make a move. And if you’re sitting on the sidelines, know that many great people are looking for a good hire! unemployment, financial advice, financial news, headlines, employment, job market, new job, career advice, chris burns, job news, job hunting, unemployed, job, dynamic money, unemployment rate, atlanta, wsb no full 168 8cee8742-ae4d-4f4e-b4f7-e89d1f1e481d Big Changes to Long-Term Care & How It Affects Your Plan In this episode of the Dynamic Money show, we’re giving a majorly overlooked headline some publicity. Long-term care saw major changes that have significant impact on our future (I promise), but Avengers Endgame and Joe Biden took all the big headlines. This is huge and I'll tell you why!!

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]]> Mon, 6 May 2019 09:00:16 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/big-changes-to-long-term-care-how-it-af-Ca72DQuV In this episode of the Dynamic Money show, we’re giving a majorly overlooked headline some publicity. Long-term care saw major changes that have significant impact on our future (I promise), but Avengers Endgame and Joe Biden took all the big headlines. This is huge and I'll tell you why!!

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

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]]> Big Changes to Long-Term Care & How It Affects Your Plan Chris Burns - Dynamic Money Founder & Principal 00:20:48 The future is leaning towards universal healthcare for all, meaning now is not the time to invest in a significant long-term care policy. Long-term care is changing and it affects us all. The future is leaning towards universal healthcare for all, meaning now is not the time to invest in a significant long-term care policy. Long-term care is changing and it affects us all. financial plan, universal health care, health care changes, health care, chris burns, plan for retirement, universal healthcare, long term care, end of life, retirement, family planning, healthcare changes, long-term care, health, wsb no full 167 3e0fbf65-fa28-42b9-828b-17c4c85d7c57 Are You a Pawn in The Big Bank's Chess Match? In this episode of the Dynamic Money show, we’re revisiting big banks. We've hit this topic recently, but after the earnings reports showed some wild growth in the sector largely because of them charging consumers more... I had to bring it up. There's a BIG problem with BIG banks and thankfully, there's a way out.

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]]> Fri, 3 May 2019 12:04:19 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/are-you-a-pawn-in-the-big-bank-s-chess-sheRFp1e In this episode of the Dynamic Money show, we’re revisiting big banks. We've hit this topic recently, but after the earnings reports showed some wild growth in the sector largely because of them charging consumers more... I had to bring it up. There's a BIG problem with BIG banks and thankfully, there's a way out.

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

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]]> Are You a Pawn in The Big Bank's Chess Match? Chris Burns - Dynamic Money Founder & Principal 00:11:44 Banks just reported higher-than-expected earnings... Congratulations to everyone but their customers! If you’re earning .0001% on your savings account while they’re charging higher and higher interest for loans, but not passing that on to you, there’s a really easy answer for that in capitalism: leave! Go to a bank that treats you like a human and actually values your business. Let's dig in. Banks just reported higher-than-expected earnings... Congratulations to everyone but their customers! If you’re earning .0001% on your savings account while they’re charging higher and higher interest for loans, but not passing that on to you, there’s a really easy answer for that in capitalism: leave! Go to a bank that treats you like a human and actually values your business. Let's dig in. big banks, local bankers, financial plan, financial advice, bank, local banking, bankers, chris burns, financial thoughts, banking advice, money thoughts, banking, atlanta, local banks, local financial planning, wsb no full 166 8efb5e06-520b-4e84-9c15-f21aa496373f The Market Is Up, But What More Do You Need For Success? In this episode of the Dynamic Money show, we’re talking about the great feeling of a growing market and it's returns, and the empty feeling of when it drops. There is a way to prevent it and succeed no matter what the market is doing. We're going to discuss how to leverage a better grid of decision making and reach the dreams you have for the future.

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

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]]> Thu, 2 May 2019 13:38:37 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/the-market-is-up-but-what-more-do-you-n-YSnEMIU3 In this episode of the Dynamic Money show, we’re talking about the great feeling of a growing market and it's returns, and the empty feeling of when it drops. There is a way to prevent it and succeed no matter what the market is doing. We're going to discuss how to leverage a better grid of decision making and reach the dreams you have for the future.

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

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]]> The Market Is Up, But What More Do You Need For Success? Chris Burns - Dynamic Money Founder & Principal 00:14:26 The market is breaking records like it’s Michael Phelps! Many people want to figure out how to earn more, how to have higher investment returns, as growth keeps growing… BUT better returns alone won’t be enough long-term. There is a key we see for success… The market is breaking records like it’s Michael Phelps! Many people want to figure out how to earn more, how to have higher investment returns, as growth keeps growing… BUT better returns alone won’t be enough long-term. There is a key we see for success… money, financial plan, market, money talk, financial planning, chris burns, money advice, financial wisdom, atlanta, stock market, wsb, market growth no full 165 4ccb644b-c085-4fd3-9780-5d8fb5166daf Innovative, New Way to Get Financial Planning Has Our Attention In this episode of the Dynamic Money show, we’re introducing the class to the new kid: subscription-fee-based financial planning. Ohhhhhh exciting! I agree. This sparks some great conversations about values and motives that we'll unpack together. Enjoy.

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

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]]> Tue, 23 Apr 2019 20:00:12 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/innovative-new-way-to-get-financial-pla-Zvd3CV9U In this episode of the Dynamic Money show, we’re introducing the class to the new kid: subscription-fee-based financial planning. Ohhhhhh exciting! I agree. This sparks some great conversations about values and motives that we'll unpack together. Enjoy.

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

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]]> Innovative, New Way to Get Financial Planning Has Our Attention Chris Burns - Dynamic Money Founder & Principal 00:24:13 Subscription-based financial planning is disrupting the industry and it’s getting a lot of buzz! Before we all buy into the hype, because our team LOVES some elements of it, let’s make some popcorn and look into this approach more. Subscription-based financial planning is disrupting the industry and it’s getting a lot of buzz! Before we all buy into the hype, because our team LOVES some elements of it, let’s make some popcorn and look into this approach more. financial planning options, financial advice, fiduciary, planning models, money strategy, fee-based planning, dynamic, financial planning, chris burns, financial advisors, financial plans, dynamic money, subscription-based financial planning, financial industry, models, financial innovation, wsb no full 164 d694ff45-0596-4f04-b0aa-eaa2a5bc095e Tools to Make Financial Health Easier for Teenagers & Kids In this episode of the Dynamic Money show, Chris is claiming no bit of expertise other than the fact that he wants to do better as a parent training his kids in financial literacy. After weeks of research Chris has found solutions he thinks fit his and his wifes desires for their boys... hopefully they make you think about how to train and prepare your kids, grandkids, or some kid you know who knows nothing about money.

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

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]]> Sun, 21 Apr 2019 09:00:05 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/tools-to-make-financial-health-easier-f-RYr9eFK0 In this episode of the Dynamic Money show, Chris is claiming no bit of expertise other than the fact that he wants to do better as a parent training his kids in financial literacy. After weeks of research Chris has found solutions he thinks fit his and his wifes desires for their boys... hopefully they make you think about how to train and prepare your kids, grandkids, or some kid you know who knows nothing about money.

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

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]]> Tools to Make Financial Health Easier for Teenagers & Kids Chris Burns - Dynamic Money Founder & Principal 00:18:30 Coming from a financial planner and dad of two teens, Chris understands that parenting comes with A LOT of responsibilities. Finances can't just be left for the grown-ups! It’s on us as parents to teach our kids and prepare them for life, and that includes credit, personal finance, and financial health. Here’s what I’m doing for my two teenage sons. Coming from a financial planner and dad of two teens, Chris understands that parenting comes with A LOT of responsibilities. Finances can't just be left for the grown-ups! It’s on us as parents to teach our kids and prepare them for life, and that includes credit, personal finance, and financial health. Here’s what I’m doing for my two teenage sons. kids, money, credit cards, parenting, personal finance, credit, financial literacy, investing, financial health, chris burns, captial one, finance, dynamic money, financial tools, family finances, wsb no full 164 1b853251-7414-47e2-a617-418cac6e7661 How To Spot A Greedy Financial Planner & Finding What Fits You In this episode of the Dynamic Money show, we’re going on a hunt. We're following the trail left by incentives to peek into the sometimes ugly truth of motivation in financial planning.

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something... don’t stay that way— Click here and ask our team any question. We would love to help you.

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]]> Thu, 18 Apr 2019 20:00:05 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/how-to-spot-a-greedy-financial-planner-l2yrJizG In this episode of the Dynamic Money show, we’re going on a hunt. We're following the trail left by incentives to peek into the sometimes ugly truth of motivation in financial planning.

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something... don’t stay that way— Click here and ask our team any question. We would love to help you.

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]]> How To Spot A Greedy Financial Planner & Finding What Fits You Chris Burns - Dynamic Money Founder & Principal 00:18:36 You put A LOT of trust into your financial planner, so you should know how they’re being they’re making money off of your money and if there are any carrots being dangled in front of their noses. You put A LOT of trust into your financial planner, so you should know how they’re being they’re making money off of your money and if there are any carrots being dangled in front of their noses. money, financial advice, fiduciary, financial planning, financial planner, incentives, dynamic money, greed no full 164 64aea428-56be-41a5-987c-02edfc7ce9be When Will Retirement Planning Be A Thing of The Past? In this episode of the Dynamic Money show, we’re discussing if and when it's time to "retire retirement." What does it mean to retire today? Does retirement even make sense any more? Spoiler alert: yes, and it always will when you define retirement correctly.

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

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]]> Tue, 16 Apr 2019 15:27:02 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/when-will-retirement-planning-be-a-thin-o3prUmij In this episode of the Dynamic Money show, we’re discussing if and when it's time to "retire retirement." What does it mean to retire today? Does retirement even make sense any more? Spoiler alert: yes, and it always will when you define retirement correctly.

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

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]]> When Will Retirement Planning Be A Thing of The Past? Chris Burns - Dynamic Money Founder & Principal 00:11:37 Some say retirement planning is slipping into the past because we’re living longer, more active lives and we shouldn’t be saving all the good stuff in life for when it’s too late. I argue the opposite… but, it’s about the approach. Retirement planning is evolving. Some say retirement planning is slipping into the past because we’re living longer, more active lives and we shouldn’t be saving all the good stuff in life for when it’s too late. I argue the opposite… but, it’s about the approach. Retirement planning is evolving. retirement plan, retire, chris burns, retired, retirement planning, retirement today, retirement advice, retirement, dynamic money, atlanta, retirement help, retirement planning strategy, wsb no full 163 8f06a8d0-e2a7-4643-8127-fd1ad619abee After The Best Financial Quarter In A Decade, How Should You Invest? MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

In this episode of the Dynamic Money show, we’re talking about the incredible start of 2019, and how to think of this record-breaking quarter. What's even more remarkable than how this quarter compares to the last decade, is how you can learn from it to change your next decades? Cheesy? Yes. Important? Yes.

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]]> Mon, 8 Apr 2019 17:50:18 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/after-the-best-financial-quarter-in-a-d-1xHE96sc MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

In this episode of the Dynamic Money show, we’re talking about the incredible start of 2019, and how to think of this record-breaking quarter. What's even more remarkable than how this quarter compares to the last decade, is how you can learn from it to change your next decades? Cheesy? Yes. Important? Yes.

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]]> After The Best Financial Quarter In A Decade, How Should You Invest? Chris Burns - Dynamic Money Founder & Principal 00:13:37 The market has been UP UP UP in 2019! Let’s re-frame our vocabulary from categorizing the market as “good,” “bad,” and “best” or even ”“up” and “down.” Here’s a vital shift in investing and planning to apply RIGHT NOW. The market has been UP UP UP in 2019! Let’s re-frame our vocabulary from categorizing the market as “good,” “bad,” and “best” or even ”“up” and “down.” Here’s a vital shift in investing and planning to apply RIGHT NOW. market strategy, market, investment strategy, financial planning, chris burns, dynamic money, advice, invest, quarter no full 162 ac5d66b6-faba-426d-915d-4dfbb0988206 The Risk Isn’t Worth the Reward (Especially If Retirement Is Close) I am great at poker. I am passionate about great financial planning. I am not worried about running a half-marathon. (I'm bluffing on one of those.)

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question.

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In this episode of the Dynamic Money show, we’re talking about how risk in your financial planning can be extremely dangerous towards you reaching your dreams in life and retirement.

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]]> Fri, 22 Mar 2019 16:00:19 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/the-risk-isn-t-worth-the-reward-especia-t12hUz6u I am great at poker. I am passionate about great financial planning. I am not worried about running a half-marathon. (I'm bluffing on one of those.)

MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question.

We would love to help you.

In this episode of the Dynamic Money show, we’re talking about how risk in your financial planning can be extremely dangerous towards you reaching your dreams in life and retirement.

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]]> The Risk Isn’t Worth the Reward (Especially If Retirement Is Close) Chris Burns - Dynamic Money Founder & Principal 00:12:07 Investing has nothing to do with luck or impulse and everything to do with rational decisions. Don’t confuse the two. When it comes to retirement planning, don’t take your retirement dollars to Las Vegas. Investing has nothing to do with luck or impulse and everything to do with rational decisions. Don’t confuse the two. When it comes to retirement planning, don’t take your retirement dollars to Las Vegas. risk in retirement, financial advice, thoughts on retirement, financial planning, chris burns, risk tolerance, retirement strategy, retirement planning, dynamic money, atlanta, wsb no full 161 fcc46a57-8398-4f43-936c-c00a07e25ae3 Answer: "I’m Inheriting Money Unexpectedly. How Do I Handle This Wisely?" MOST IMPORTANTLY - This is the Lightning Round where we answer your questions sent in, things we've heard asked in the office, and the real direction you need for financial peace in your world. — Click here and ask our team any question.

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]]> Fri, 22 Mar 2019 02:56:49 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/answer-i-m-inheriting-money-unexpectedl-lQvamrkz MOST IMPORTANTLY - This is the Lightning Round where we answer your questions sent in, things we've heard asked in the office, and the real direction you need for financial peace in your world. — Click here and ask our team any question.

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]]> Answer: "I’m Inheriting Money Unexpectedly. How Do I Handle This Wisely?" Chris Burns - Dynamic Money Founder & Principal 00:02:11 This is the Dynamic Money Lightning Round where we answer your questions. Today, we're talking large money inheritance. "I’m scared about the tax implications, what to do with the funds, and I have a fear of mishandling the money and losing it all. What steps should I take to make sure I don’t mess this up?" Let's Go! This is the Dynamic Money Lightning Round where we answer your questions. Today, we're talking large money inheritance. "I’m scared about the tax implications, what to do with the funds, and I have a fear of mishandling the money and losing it all. What steps should I take to make sure I don’t mess this up?" Let's Go! money, will, financial advice, inheritance, chris burns, large money, dynamic money, inheriting, sum, wsb no full 160 4162692f-9a77-48a7-9eee-46b797b520c3 When Bigger Isn't Better & Our Approach to Customer Care MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

In this episode of the Dynamic Money show, we’re talking about the problem with big companies and the tension we all feel seeking to be known but not wanting to settle. Where do you fall in the spectrum? I'll wait on hold while you think.

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]]> Wed, 20 Mar 2019 13:39:24 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/when-bigger-isn-t-better-our-approach-t-flp76fHd MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

In this episode of the Dynamic Money show, we’re talking about the problem with big companies and the tension we all feel seeking to be known but not wanting to settle. Where do you fall in the spectrum? I'll wait on hold while you think.

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]]> When Bigger Isn't Better & Our Approach to Customer Care Chris Burns - Dynamic Money Founder & Principal 00:11:46 Big companies can sometimes…well… suck. You should never have to accept terrible personal care for some added value. Fight to find companies who offer both a concern for your well-being AND a high-quality product. ESPECIALLY in your personal financial planning. Big companies can sometimes…well… suck. You should never have to accept terrible personal care for some added value. Fight to find companies who offer both a concern for your well-being AND a high-quality product. ESPECIALLY in your personal financial planning. customer service, care, financial planning, chris burns, approach to finances, dynamic money no full 159 00b211e3-9afe-4bdc-8773-016a0aecd839 Answer: "Should I Negotiate My Salary?" “I just got my first real job offer! It’s a good offer but not quite what I was hoping for. I want to negotiate for more but don’t want to jeopardize the offer — what should I do?” We love this Megan! Let's start with a backstory.

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]]> Fri, 8 Mar 2019 12:05:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/answer-should-i-negotiate-my-salary-c8759240 “I just got my first real job offer! It’s a good offer but not quite what I was hoping for. I want to negotiate for more but don’t want to jeopardize the offer — what should I do?” We love this Megan! Let's start with a backstory.

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]]> Answer: "Should I Negotiate My Salary?" Chris Burns - Dynamic Money Founder & Principal 00:02:45 We answer your questions. This one comes from Megan. #LightningRound We answer your questions. This one comes from Megan. #LightningRound job offer, money, pay, financial advice, company, work, salary, chris burns, dynamic money, negotiate, financial companies, job, negotiation, money help no full 158 91acd535-a84c-403c-afab-0974318c3aa7 Answer: "Nearing Retirement Should I Pull Back?" “The market seems to be doing far better this year, but I’m within five years of retirement. I’d hate to miss the continued growth — should I be pulling back?” Great question Tony!

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]]> Fri, 8 Mar 2019 12:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/answer-nearing-retirement-should-i-pull-b1bbb39d “The market seems to be doing far better this year, but I’m within five years of retirement. I’d hate to miss the continued growth — should I be pulling back?” Great question Tony!

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]]> Answer: "Nearing Retirement Should I Pull Back?" Chris Burns - Dynamic Money Founder & Principal 00:03:22 We answer your questions. This one comes from Tony. #LightningRound We answer your questions. This one comes from Tony. #LightningRound financial companies, money, market, bull market, chris burns, stock market, retirement advice, retirement, dynamic money, financial advice, money help no full 157 9bc2b8f4-2c3a-449b-8a9a-dc7cbc0137e6 Bryce Harper & Advice On Where YOUR Money Will Go When You Die MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

In this episode of the Dynamic Money show, we’re talking about (honestly, I don't want to tell you) estate planning and wills. But, don't go!? Everyone thinks they can ignore this topic, but it doesn't matter if you have Bryce Harper money or not, you need to think about where your riches will go when you die. Do you have a plan? Here's what you need to do and consider.

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]]> Thu, 7 Mar 2019 16:41:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/bryce-harper-advice-on-where-your-money-ee4c6ecd MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

In this episode of the Dynamic Money show, we’re talking about (honestly, I don't want to tell you) estate planning and wills. But, don't go!? Everyone thinks they can ignore this topic, but it doesn't matter if you have Bryce Harper money or not, you need to think about where your riches will go when you die. Do you have a plan? Here's what you need to do and consider.

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]]> Bryce Harper & Advice On Where YOUR Money Will Go When You Die Chris Burns - Dynamic Money Founder & Principal 00:25:20 At some point, our “riches” (Maybe not $300 million guaranteed - WOW) are left to someone when you die. What would happen to your family when… well… “You’re OUT!"?” Bryce Harper launches us into a conversation on wills, estate planning, and other commonly-avoided topics. At some point, our “riches” (Maybe not $300 million guaranteed - WOW) are left to someone when you die. What would happen to your family when… well… “You’re OUT!"?” Bryce Harper launches us into a conversation on wills, estate planning, and other commonly-avoided topics. money, estate planning, fiduciary, inheritance, more advice, financial advice, chris burns, wills, planning, financial companies, money help no full 156 0ea1917c-cf13-475f-ad65-9da3c6e6399e The Best Way to Pay Off Your Debt Is By Building Your Savings First! MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet, and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

In this episode of the Dynamic Money show, we’re looking at debt and the monster that he can be and introducing a fresh strategy to defeat him. What if the best way to defeat your debt was to ignore it? We're making the argument that your money needs to be invested in savings before you continue to fight off your debt payments.

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]]> Tue, 5 Mar 2019 21:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/the-best-way-to-pay-off-your-debt-is-by-a624956a MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet, and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

In this episode of the Dynamic Money show, we’re looking at debt and the monster that he can be and introducing a fresh strategy to defeat him. What if the best way to defeat your debt was to ignore it? We're making the argument that your money needs to be invested in savings before you continue to fight off your debt payments.

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]]> The Best Way to Pay Off Your Debt Is By Building Your Savings First! Chris Burns - Dynamic Money Founder & Principal 00:25:56 Listen, credit card debt knows no boundaries; it crosses all ages, income levels, genders and every other demographic. With a little strategy and self-discipline, you can unlock full financial freedom and live debt free. Listen, credit card debt knows no boundaries; it crosses all ages, income levels, genders and every other demographic. With a little strategy and self-discipline, you can unlock full financial freedom and live debt free. money, credit cards, debt strategy, debt, emergency, financial companies, money talk, money help, pay off debt, chris burns, fiduciary, money help, atlanta, dynamic money, pay, financial strategy, financial advice no full 155 e9dfe266-a78f-4261-9736-5e96423360c2 Instead of Fighting About Money, Discover How to Be Intentional MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

In this episode of the Dynamic Money show, we’re talking about relationships and how to TALK ABOUT MONEY. Don't be afraid. This episode is meant for your good and we believe we can not only help end the finger-pointing but enrich your life and your relationship.

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]]> Fri, 1 Mar 2019 21:04:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/instead-of-fighting-about-money-discover-4c1e480e MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

In this episode of the Dynamic Money show, we’re talking about relationships and how to TALK ABOUT MONEY. Don't be afraid. This episode is meant for your good and we believe we can not only help end the finger-pointing but enrich your life and your relationship.

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]]> Instead of Fighting About Money, Discover How to Be Intentional Chris Burns - Dynamic Money Founder & Principal 00:24:18 We’re putting an end to the finger-pointing and re-configuring the conversation. Money can actually be an incredible tool to unite you and your spouse when you approach it differently and ask this ONE question. We’re putting an end to the finger-pointing and re-configuring the conversation. Money can actually be an incredible tool to unite you and your spouse when you approach it differently and ask this ONE question. no full 154 4c494c8e-6c5a-4a65-8ab6-6695879230ea Tax Returns Are Down! How to "Prevent" It Next Tax Season MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

In this episode of the Dynamic Money show, we’re unpacking what happened to everyone's tax return. The early reports say the average refund is 8% less. There is actually more to the story and this opens up a conversation about a fresh approach to taxes that can benefit you all year.

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]]> Wed, 27 Feb 2019 20:29:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/tax-returns-are-down-how-to-prevent-it-a2ff9022 MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

In this episode of the Dynamic Money show, we’re unpacking what happened to everyone's tax return. The early reports say the average refund is 8% less. There is actually more to the story and this opens up a conversation about a fresh approach to taxes that can benefit you all year.

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]]> Tax Returns Are Down! How to "Prevent" It Next Tax Season Chris Burns - Dynamic Money Founder & Principal 00:24:24 Since we all pay taxes, we should probably understand how they work. Don’t cry foul on the IRS this tax season because your refund isn’t what you were expecting, you’ve been receiving that refund all year long and there are some important things to understand about what you should do next. Since we all pay taxes, we should probably understand how they work. Don’t cry foul on the IRS this tax season because your refund isn’t what you were expecting, you’ve been receiving that refund all year long and there are some important things to understand about what you should do next. no full 153 bfdfa136-10f1-49c6-979c-c5286638aa89 How To: Solving the Classic Money Dilemma of Unlimited Wants and Limited Means MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question.

We would love to help you.

In this episode of the Dynamic Money show, we’re talking about how the majority of us have to manage our pie in the sky wish lists with our limited resources. How do we avoid tossing money around based on our desires or gut-feelings that won’t help us build momentum? Here’s what our team sees in building a financial plan that works for daily decisions and builds traction.

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]]> Tue, 19 Feb 2019 18:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/how-to-solving-the-classic-money-dilemma-5f521be5 MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question.

We would love to help you.

In this episode of the Dynamic Money show, we’re talking about how the majority of us have to manage our pie in the sky wish lists with our limited resources. How do we avoid tossing money around based on our desires or gut-feelings that won’t help us build momentum? Here’s what our team sees in building a financial plan that works for daily decisions and builds traction.

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]]> How To: Solving the Classic Money Dilemma of Unlimited Wants and Limited Means Chris Burns - Dynamic Money Founder & Principal 00:17:40 The question of HOW we should spend our money nags at all of us. The question of HOW we should spend our money nags at all of us. opportunity fund, financial plan, financial planners, planning, saving money, fun money, saving, chris burns, spending, financial advice, planning, fiduciary, dynamic money, savings plan no full 152 4b9d2c8d-218b-450a-b824-7c99be270612 This is the Only Way You'll Outfox the Stock Market in 2019 MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question.

We would love to help you.
In this episode of the Dynamic Money show, we’re talking about how people often get hung up on how they should be invested according to the market instead of what’s right for them. We say, forget what the market’s doing right now, pick an investing strategy and stick with it. We’ll convince you why and tell you how in this episode.

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]]> Wed, 13 Feb 2019 19:56:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/this-is-the-only-way-youll-outfox-the-a59042a7 MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question.

We would love to help you.
In this episode of the Dynamic Money show, we’re talking about how people often get hung up on how they should be invested according to the market instead of what’s right for them. We say, forget what the market’s doing right now, pick an investing strategy and stick with it. We’ll convince you why and tell you how in this episode.

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]]> This is the Only Way You'll Outfox the Stock Market in 2019 Chris Burns - Dynamic Money Founder & Principal 00:09:07 It’s not a trick. This is the ONLY WAY you’ll make real progress in your financial plan and outsmart the stock market this year… and every year. It’s not a trick. This is the ONLY WAY you’ll make real progress in your financial plan and outsmart the stock market this year… and every year. planning, money strategy, risk, market, investing, chris burns, investing strategy, financial plan, dynamic money, stock market, market watch no full 151 eb0ad755-cdcf-445c-b2b5-e690e9a86787 3 Reasons to Rethink Your Relationship With Your BIG Bank MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

In this episode of the Dynamic Money show, we're going to give you three reasons small, local banks deserve your business in 2019. Bigger isn’t always better and I want you to give the local underdog a good look.

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]]> Tue, 12 Feb 2019 21:30:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/3-reasons-to-rethink-your-relationship-fcc2e768 MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

In this episode of the Dynamic Money show, we're going to give you three reasons small, local banks deserve your business in 2019. Bigger isn’t always better and I want you to give the local underdog a good look.

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]]> 3 Reasons to Rethink Your Relationship With Your BIG Bank Chris Burns - Dynamic Money Founder & Principal 00:17:16 Bank local? It's time to take a good look at your banking institution and evaluate if that bank is worthy of your business. Bigger isn’t always better and I want you to give the underdog a chance. Bank local? It's time to take a good look at your banking institution and evaluate if that bank is worthy of your business. Bigger isn’t always better and I want you to give the underdog a chance. money, money help, bank, bank relationships, local bank, financial companies, advice, financial planning, chris burns, financial advice, big bank, banking advice, banking, dynamic money, fiduciary no full 150 72dbbfcf-cc4d-4f50-b053-d5583fcbe275 3 Ways to Re-Fuel Your New Year's Resolution Goals & Reach Your Dreams MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

In this episode of the Dynamic Money show, we're talking about how your life can look drastically different if you really want it to. We're revisiting the New Year's Resolutions and dreams you set a month ago and highlighting the truth that they still matter.

We're talking about the proven ways to get back on track and find success! You’ve got this.

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]]> Fri, 8 Feb 2019 09:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/3-ways-to-re-fuel-your-new-years-cf3b26a9 MOST IMPORTANTLY - This podcast exists so you see how recent financial news affects your life, your wallet and your future. If you heard something that made you think about your personal situation or were confused by something don’t stay that way— Click here and ask our team any question. We would love to help you.

In this episode of the Dynamic Money show, we're talking about how your life can look drastically different if you really want it to. We're revisiting the New Year's Resolutions and dreams you set a month ago and highlighting the truth that they still matter.

We're talking about the proven ways to get back on track and find success! You’ve got this.

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]]> 3 Ways to Re-Fuel Your New Year's Resolution Goals & Reach Your Dreams Chris Burns - Dynamic Money Founder & Principal 00:22:38 Your dreams you set a month ago still matter and there are proven ways to get back on track and find success! DON’T GIVE UP! Let’s revisit those goals and attack them with proven strategies. It’s time for the rematch and you will win. Your dreams you set a month ago still matter and there are proven ways to get back on track and find success! DON’T GIVE UP! Let’s revisit those goals and attack them with proven strategies. It’s time for the rematch and you will win. money, advice, goal setting, financial advice, goals, new years resolutions, chris burns, reach goals, find success, resolutions, money help, follow up, dynamic money, success, fiduciary, financial companies no full 149 bbe0cada-16f6-4303-8393-457472fc880f The Government Shutdown & How To Be Sure Your Financial Plan Keeps Working If you heard something that made you think about your personal situation or were confused by something you heard -- Click here and ask our team any question. We would love to help you.

In this episode of the Dynamic Money show, we're talking about the government being back open for business — sort of -- and why it matters to all of us and what we can do to prevent a personal financial crisis. Fun times.

In all truthfulness, we deeply believe your financial plan needs to be built for life. Things happen in life that you could never expect and if your financial strategy doesn't embrace the "what if's" the rewards of your hard work could be lost unless without the right amount of financial flexibility.

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]]> Thu, 7 Feb 2019 11:04:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/the-government-shutdown-how-to-be-sure-02a5a20e If you heard something that made you think about your personal situation or were confused by something you heard -- Click here and ask our team any question. We would love to help you.

In this episode of the Dynamic Money show, we're talking about the government being back open for business — sort of -- and why it matters to all of us and what we can do to prevent a personal financial crisis. Fun times.

In all truthfulness, we deeply believe your financial plan needs to be built for life. Things happen in life that you could never expect and if your financial strategy doesn't embrace the "what if's" the rewards of your hard work could be lost unless without the right amount of financial flexibility.

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]]> The Government Shutdown & How To Be Sure Your Financial Plan Keeps Working Chris Burns - Dynamic Money Founder & Principal 00:26:39 Okay, so the government is back open for business — sort of. Here’s what we can all do to prevent a personal financial crisis and build plans that work through any shutdown or unexpected emergency. Okay, so the government is back open for business — sort of. Here’s what we can all do to prevent a personal financial crisis and build plans that work through any shutdown or unexpected emergency. money help, money, finances, plan, financial advice, chris burns, atlanta, financial companies, fiduciary, trump, government shutdown, planning, dynamic money, wsb no full 148 04d959bf-f86c-4cb1-985b-cbf339e6cc2c The BEST Financial Resolution You Can Make This Year New Year’s resolutions are great (especially if they #SparkJoy) but a successful 2019 is more than measuring yourself against how much want to make, save, or sell off this year. Your RELATIONSHIP with money will be a more worthwhile focus this year than any ACCUMULATION.

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]]> Fri, 11 Jan 2019 21:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/the-best-financial-resolution-you-can-706028b2 New Year’s resolutions are great (especially if they #SparkJoy) but a successful 2019 is more than measuring yourself against how much want to make, save, or sell off this year. Your RELATIONSHIP with money will be a more worthwhile focus this year than any ACCUMULATION.

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]]> The BEST Financial Resolution You Can Make This Year Chris Burns - Dynamic Money Founder & Principal 00:15:30 Here’s how to manage money stress and create a healthy outlook on 2019. Here’s how to manage money stress and create a healthy outlook on 2019. money, resolution, new years, financial advice, financial companies, dynamic money, money help, relationship, chris burns, financial goals, goals, manage money, fiduciary, money goals, financial advice no full 147 f77383e8-cab7-412c-8f5b-d239c0db36e0 Advice: How to Stay (or Get) Financially Strong in 2019 The new year often feels full of promise and optimism, but life’s (costly) curve balls are around every corner. You can’t avoid them, but you can prepare yourself to come out on top with a good plan.
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]]> Thu, 10 Jan 2019 20:28:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/advice-how-to-stay-or-get-financially-7eb78969 The new year often feels full of promise and optimism, but life’s (costly) curve balls are around every corner. You can’t avoid them, but you can prepare yourself to come out on top with a good plan.
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]]> Advice: How to Stay (or Get) Financially Strong in 2019 Chris Burns - Dynamic Money Founder & Principal 00:23:10 Hello, new year. Let’s (financially) do this! Yes, it’s only the beginning of January, and here’s how you can prepare yourself for your BEST financial year. Hello, new year. Let’s (financially) do this! Yes, it’s only the beginning of January, and here’s how you can prepare yourself for your BEST financial year. money, personal finance, plan, personal financial planning, financial companies, financial advice, planning, chris burns, fiduciary, money help, new year, dynamic money, financial advice, optimism, atlanta, resolutions, advice no full 146 047e22d6-9dda-4923-8d56-05872f91c759 Turn $100 into $1,700 with Kids Boost | Empowering the Future Kids Boost is an Atlanta-based organization that is dramatically multiplying the impact of a dollar. It’s all about instilling philanthropic giving while teaching entrepreneurial skills to the next generation.

Click here to donate to Kids Boost now and we will match your gift!

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]]> Thu, 27 Dec 2018 16:54:00 +0000 alanmcnaron@gmail.com (Chris Burns - Founder & Principal of Dynamic Money) https://morethanmoney.simplecast.com/episodes/turn-100-into-1700-with-kids-boost-4616662f Kids Boost is an Atlanta-based organization that is dramatically multiplying the impact of a dollar. It’s all about instilling philanthropic giving while teaching entrepreneurial skills to the next generation.

Click here to donate to Kids Boost now and we will match your gift!

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]]> Turn $100 into $1,700 with Kids Boost | Empowering the Future Chris Burns - Founder & Principal of Dynamic Money 00:13:52 Kids Boost is an Atlanta-based organization that is dramatically multiplying the impact of a dollar. It’s all about instilling philanthropic giving while teaching entrepreneurial skills to the next generation. Kids Boost is an Atlanta-based organization that is dramatically multiplying the impact of a dollar. It’s all about instilling philanthropic giving while teaching entrepreneurial skills to the next generation. end of year giving, charity, dynamic money, giving, atlanta-based organization, kids boost, money advice, money tips, multiply dollar, atlanta, industrious, next generation, philanthropy, impact, philanthropic, money money, matching gift, money impact no full 143 3cb7b113-a2a2-48fa-95eb-e33163ed0db0 Christmas Special: Debunking the Holiday Card (ft. Tad Lemire & Ashley Frasca Real stories from Atlanta radio personality and hosts on their childhood memories, real-life stresses, and how they've learned to love the holidays in the midst of the craziness. Merry Christmas, happy holidays, and happy new year to all!

Please take the time to connect follow and thank Tad and Ashley for joining me. They are incredible and I couldn't be more thankful for their time in the studio to share their Christmas stories and perspective.

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]]> Sun, 23 Dec 2018 09:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Founder & Principal of Dynamic Money ft. Tad Lemire & Ashley Frasca) https://morethanmoney.simplecast.com/episodes/christmas-special-debunking-the-holiday-4f4bf24f Real stories from Atlanta radio personality and hosts on their childhood memories, real-life stresses, and how they've learned to love the holidays in the midst of the craziness. Merry Christmas, happy holidays, and happy new year to all!

Please take the time to connect follow and thank Tad and Ashley for joining me. They are incredible and I couldn't be more thankful for their time in the studio to share their Christmas stories and perspective.

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]]> Christmas Special: Debunking the Holiday Card (ft. Tad Lemire & Ashley Frasca Chris Burns - Founder & Principal of Dynamic Money ft. Tad Lemire & Ashley Frasca 00:55:54 Real stories from Atlanta radio personality and hosts on their childhood memories, real-life stresses, and how they've learned to love the holidays in the midst of the craziness. Merry Christmas, happy holidays, and happy new year to all! Real stories from Atlanta radio personality and hosts on their childhood memories, real-life stresses, and how they've learned to love the holidays in the midst of the craziness. Merry Christmas, happy holidays, and happy new year to all! christmas stories, money, financial advice, atlanta radio, christmas story, ashley frasca, financial companies, tad lemire, chris burns, holiday tips, dynamic money, fiduciary, traditions, atlanta, financial stress, merry christmas, money help no full 145 e8ac9c42-0b7d-497d-bbcb-156f5c260df0 Pay Attention to How Your Financial Advisor Makes Money How your financial planner gets paid is valuable information to you and your future! KNOW IT.

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]]> Fri, 21 Dec 2018 19:23:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/pay-attention-to-how-your-financial-5f55f9e9 How your financial planner gets paid is valuable information to you and your future! KNOW IT.

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]]> Pay Attention to How Your Financial Advisor Makes Money Chris Burns - Dynamic Money Founder & Principal 00:20:28 Life has enough uncertainties and mysteries, don’t let how your advisor is paid be one of them. There are two types of firms and ways planners are paid. You need to know what you are paying for! Life has enough uncertainties and mysteries, don’t let how your advisor is paid be one of them. There are two types of firms and ways planners are paid. You need to know what you are paying for! money, money tips, financial advisor, money help, chris burns, financial advisors, payment, financial planning, paid, dynamic money, financial advice, fiduciary, advice, financial companies no full 144 f058a50d-66d8-4203-ad22-d96e3b3dee4d Risky Business: How to Let Risk Work in Your Financial Favor Playing it safe isn’t a financial strategy; it’s a mantra that’s most applicable when deciding to skydive, swim with sharks or getting a new girlfriend’s name tattooed on your body. A healthy amount of risk in your portfolio is the difference between driving yourself to distraction and living your life.

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]]> Wed, 19 Dec 2018 21:17:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/risky-business-how-to-let-risk-work-in-744866f4 Playing it safe isn’t a financial strategy; it’s a mantra that’s most applicable when deciding to skydive, swim with sharks or getting a new girlfriend’s name tattooed on your body. A healthy amount of risk in your portfolio is the difference between driving yourself to distraction and living your life.

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]]> Risky Business: How to Let Risk Work in Your Financial Favor Chris Burns - Dynamic Money Founder & Principal 00:09:29 Here’s how you can have a safety net and all the growth you want when the market gets dicey. Here’s how you can have a safety net and all the growth you want when the market gets dicey. money, financial advice, stock market, financial companies, risk, money help, chris burns, risk tolerance, fiduciary, risky, finance, dynamic money, risk, market growth no full 142 c84d949e-7d41-41aa-8f88-acae7e2b70bb Mirror Mirror on the Wall Street... Protect Yourself Against Financial Predictions! It’s the time of year when cable news parades a panel of experts to “predict” how the stock market will behave in 2019. Do yourself a favor: stop torturing yourself and change the channel.
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]]> Fri, 14 Dec 2018 20:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/mirror-mirror-on-the-wall-street-protect-036bcadf It’s the time of year when cable news parades a panel of experts to “predict” how the stock market will behave in 2019. Do yourself a favor: stop torturing yourself and change the channel.
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]]> Mirror Mirror on the Wall Street... Protect Yourself Against Financial Predictions! Chris Burns - Dynamic Money Founder & Principal 00:14:07 The only good thing to come from prediction season is it rattles some people enough to RIGHTLY think about their investment portfolios for the new year. The only good thing to come from prediction season is it rattles some people enough to RIGHTLY think about their investment portfolios for the new year. dynamic money, money, money help, predict, wall street, chris burns, financial advice, 2020, predictions, financial outlook, stock market, 2019, fiduciary, crash, financial companies no full 141 0b19bff0-9cdb-4770-80c3-6343e7ebccd4 Miss Giving Tuesday? Advice to Make A Generous Impact Tax incentives for philanthropic contributions dropped this year, but the needs haven’t. Tax changes don’t make non-profits any less worthy of our charitable donations.
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]]> Thu, 13 Dec 2018 20:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/miss-giving-tuesday-advice-to-make-a-9c61905d Tax incentives for philanthropic contributions dropped this year, but the needs haven’t. Tax changes don’t make non-profits any less worthy of our charitable donations.
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]]> Miss Giving Tuesday? Advice to Make A Generous Impact Chris Burns - Dynamic Money Founder & Principal 00:08:12 Bah hum-budget! Giving Tuesday has come and gone and many non-profits that depend on donations are reporting that contributions are down, way down. Here’s what I want you to do about it. Bah hum-budget! Giving Tuesday has come and gone and many non-profits that depend on donations are reporting that contributions are down, way down. Here’s what I want you to do about it. money, impact, giving tuesday, donation, charitable giving, family, holiday, chris burns, generosity, fiduciary, financial impact, money help, charity, financial advice, dynamic money, gift, financial companies, tax changes no full 140 b9572706-f442-414a-a4b9-934be1b92071 The Market Is Down at Christmas | Why It's A Gift All I want for Christmas is you to be financially confident. This market drop may be the wake up many of us need to do just that.
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]]> Wed, 12 Dec 2018 20:28:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/the-market-is-down-at-christmas-why-its-c66d2135 All I want for Christmas is you to be financially confident. This market drop may be the wake up many of us need to do just that.
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]]> The Market Is Down at Christmas | Why It's A Gift Chris Burns - Dynamic Money Founder & Principal 00:19:10 So the stock market isn’t bringing you the returns you were hoping for? It’s time you look at your level of risk and use this season as a gift. So the stock market isn’t bringing you the returns you were hoping for? It’s time you look at your level of risk and use this season as a gift. financial advice, money, gift, money help, market drop, down market, chris burns, financial confidence, financial companies, fiduciary no full 139 04740f9b-f626-4d25-98e8-b786e2f126fd The Intersection of Trump & Finance Politics and finance do NOT run parallel. Sharing my thoughts on the matter and how I got into a bit of hot water.
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]]> Thu, 6 Dec 2018 19:55:00 +0000 alanmcnaron@gmail.com (Chris Burns - Founder & Principal of Dynamic Money) https://morethanmoney.simplecast.com/episodes/the-intersection-of-trump-finance-2036425d Politics and finance do NOT run parallel. Sharing my thoughts on the matter and how I got into a bit of hot water.
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]]> The Intersection of Trump & Finance Chris Burns - Founder & Principal of Dynamic Money 00:20:45 I’m never going to be down a singular political party line, and you should never trust your gut feelings as an authority. I’m never going to be down a singular political party line, and you should never trust your gut feelings as an authority. money, financial advice, finances, fiduciary, chris burns, trump, dynamic money, money help, financial companies no full 138 f7d845e7-aa63-41b2-9bb4-7bcfa2770878 Easy Ways To Stay Ahead of The Next Data Breach We can’t beat the hackers, but we can disrupt their game. Using credit cards in a healthy way can be to your advantage in today’s digital world.
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]]> Wed, 5 Dec 2018 19:21:00 +0000 alanmcnaron@gmail.com (Chris Burns - Founder & Principal of Dynamic Money) https://morethanmoney.simplecast.com/episodes/easy-ways-to-stay-ahead-of-the-next-data-2ed0c507 We can’t beat the hackers, but we can disrupt their game. Using credit cards in a healthy way can be to your advantage in today’s digital world.
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]]> Easy Ways To Stay Ahead of The Next Data Breach Chris Burns - Founder & Principal of Dynamic Money 00:15:45 We can’t beat the hackers, but we can disrupt their game. We can’t beat the hackers, but we can disrupt their game. dynamic money, money, financial advice, hack, data breach, safety, credit, money help, financial companies, secure money, chris burns, credit cards, fiduciary, security, market drop no full 137 96dbadf1-2567-455e-abef-2e8e669f9306 Announcing Dynamic Money - A NEW Name That Reflects Our Mission & Financial Strategy Our company’s name is changing to reflect what it is that we do best: create flexible financial plans built for life.
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]]> Tue, 4 Dec 2018 19:53:00 +0000 alanmcnaron@gmail.com (Chris Burns - Founder & Principal of Dynamic Money) https://morethanmoney.simplecast.com/episodes/announcing-dynamic-money-a-new-name-that-4914da83 Our company’s name is changing to reflect what it is that we do best: create flexible financial plans built for life.
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]]> Announcing Dynamic Money - A NEW Name That Reflects Our Mission & Financial Strategy Chris Burns - Founder & Principal of Dynamic Money 00:11:33 Now our company name is changing to what truly sets us apart. Now our company name is changing to what truly sets us apart. money, money news, financial news, money help, chris burns, financial companies, financial podcast, financial advice, atlanta financial companies, dynamic money, fiduciary no full 136 39d778f2-27fd-4807-b341-d661746d0088 Mad Money Is Maddening | A Plan Better Than Predictions Crystal balls, tarot cards, palms, and stock brokers… I’m going to let you in on a little trade secret: no one knows what’s going on and don’t let anyone convince you otherwise.
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]]> Fri, 23 Nov 2018 19:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/mad-money-is-maddening-a-plan-better-4e56bf89 Crystal balls, tarot cards, palms, and stock brokers… I’m going to let you in on a little trade secret: no one knows what’s going on and don’t let anyone convince you otherwise.
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]]> Mad Money Is Maddening | A Plan Better Than Predictions Chris Burns - Dynamic Money Founder & Principal 00:21:46 Crystal balls, tarot cards, palms, and stock brokers… I’m going to let you in on a little trade secret: no one knows what’s going on and don’t let anyone convince you otherwise. Crystal balls, tarot cards, palms, and stock brokers… I’m going to let you in on a little trade secret: no one knows what’s going on and don’t let anyone convince you otherwise. money, mad money, market drop, financial predictions, financial companies, chris burns, market drop, money help, financial advice, planning, fiduciary, financial planning, money predictions no full 135 4c8c6945-4639-4565-9e66-c842b5feb1d7 Baby Boomer's New Retirement Stress | A Needed Conversation What happens when family members’ circumstances change your retirement plans? The number of baby boomers caring for BOTH kids and parents is skyrocketing!

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]]> Wed, 21 Nov 2018 15:12:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/baby-boomers-new-retirement-stress-a-f1c06a09 What happens when family members’ circumstances change your retirement plans? The number of baby boomers caring for BOTH kids and parents is skyrocketing!

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]]> Baby Boomer's New Retirement Stress | A Needed Conversation Chris Burns - Dynamic Money Founder & Principal 00:18:55 What happens when family members’ circumstances change your retirement plans? The number of baby boomers caring for BOTH kids and parents is skyrocketing! What happens when family members’ circumstances change your retirement plans? The number of baby boomers caring for BOTH kids and parents is skyrocketing! stress, financial advice, advice, money, money help, family stress, family, baby boomer, retirement advice, fiduciary, chris burns, help, retirement, financial companies no full 134 932ad576-5e79-41c3-81c5-8a31d92ed235 Have a Merry Christmas Budget | My 3 Parameters on Giving Giving is great but not at the risk of going broke! Ever since “THAT” Christmas, my wife and I have obeyed these 3 parameters.

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]]> Tue, 20 Nov 2018 20:17:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/have-a-merry-christmas-budget-my-3-144a0536 Giving is great but not at the risk of going broke! Ever since “THAT” Christmas, my wife and I have obeyed these 3 parameters.

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]]> Have a Merry Christmas Budget | My 3 Parameters on Giving Chris Burns - Dynamic Money Founder & Principal 00:06:38 Giving is great but not at the risk of going broke! Ever since “THAT” Christmas, my wife and I have obeyed these 3 parameters. Giving is great but not at the risk of going broke! Ever since “THAT” Christmas, my wife and I have obeyed these 3 parameters. money, money help, fiduciary, financial advice, holiday, chris burns, financial companies, christmas budget, budgeting, gift giving, christmas gifts, christmas no full 133 982876eb-a13e-49e3-a88b-0a96281aae73 Left Your 401K at an Old Job? What To Do & The Questions You're Not Asking Life happens, and suddenly you have a collection of 401K souvenirs. You aren’t helping yourself by having multiple, small accounts out there. Here are the reasons why & the best thing to do next.

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Regain Control of My 401Ks and Get a Stronger Financial Plan

]]> Fri, 9 Nov 2018 13:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/left-your-401k-at-an-old-job-what-to-do-64416604 Life happens, and suddenly you have a collection of 401K souvenirs. You aren’t helping yourself by having multiple, small accounts out there. Here are the reasons why & the best thing to do next.

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]]> Left Your 401K at an Old Job? What To Do & The Questions You're Not Asking Chris Burns - Dynamic Money Founder & Principal 00:10:00 Life happens, and suddenly you have a collection of 401K souvenirs. You aren’t helping yourself by having multiple, small accounts out there. Here are the reasons why & the best thing to do next. Life happens, and suddenly you have a collection of 401K souvenirs. You aren’t helping yourself by having multiple, small accounts out there. Here are the reasons why & the best thing to do next. money, flexible financial plan, money help, financial companies, fiduciary, strong financial plan, chris burns, financial advice, 401k, old 401k no full 132 91b3d388-13a8-4a00-bedf-477fe8fe0ed3 Uncovering Your Fatal Flaw of Financial Planning | Thanks, GE Does your plan have an Achilles heal or a fatal flaw that exposes it to extreme risk? Even if it “feels safe” there are no certainties in planning. Here is a better way to live.

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I want to make wise financial decisions through the lens of flexibility

]]> Wed, 7 Nov 2018 16:56:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/uncovering-your-fatal-flaw-of-financial-9dd68ae3 Does your plan have an Achilles heal or a fatal flaw that exposes it to extreme risk? Even if it “feels safe” there are no certainties in planning. Here is a better way to live.

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I want to make wise financial decisions through the lens of flexibility

]]> Uncovering Your Fatal Flaw of Financial Planning | Thanks, GE Chris Burns - Dynamic Money Founder & Principal 00:17:41 Does your plan have an Achilles heel or a fatal flaw that exposes it to extreme risk? Even if it “feels safe” there are no certainties in planning. Here is a better way to live. Does your plan have an Achilles heel or a fatal flaw that exposes it to extreme risk? Even if it “feels safe” there are no certainties in planning. Here is a better way to live. no full 131 ffd460da-ef62-4ae9-b25e-a04a443ba414 The Scary Impact of Attack Ads in Politics & Finance Fear is powerful. It works in politics as you've seen in your mailbox, commercials and even kids' YouTube videos for these mid-term elections! C'mon! Here's how it plays out in the financial world. Be careful friends.

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]]> Tue, 6 Nov 2018 21:59:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/the-scary-impact-of-attack-ads-in-8d9b1eea Fear is powerful. It works in politics as you've seen in your mailbox, commercials and even kids' YouTube videos for these mid-term elections! C'mon! Here's how it plays out in the financial world. Be careful friends.

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]]> The Scary Impact of Attack Ads in Politics & Finance Chris Burns - Dynamic Money Founder & Principal 00:17:10 Fear is powerful. It works in politics as you've seen in your mailbox, commercials and even kids' YouTube videos for these mid-term elections! C'mon! Here's how it plays out in the financial world. Be careful friends. Fear is powerful. It works in politics as you've seen in your mailbox, commercials and even kids' YouTube videos for these mid-term elections! C'mon! Here's how it plays out in the financial world. Be careful friends. no full 130 6e4693c1-26fd-4a8a-815f-76f2a0a05676 Have a Successful Open Enrollment Meeting & What to Know Let’s talk about the most boring meeting of the year… sounds thrilling, right? But, if you can fight through it… it can make a difference. I believe in you.

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I May Be Asleep After Listening, But I Still Want To Meet About Open Enrollment/Insurance

]]> Thu, 25 Oct 2018 20:53:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/have-a-successful-open-enrollment-241f41d3 Let’s talk about the most boring meeting of the year… sounds thrilling, right? But, if you can fight through it… it can make a difference. I believe in you.

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I May Be Asleep After Listening, But I Still Want To Meet About Open Enrollment/Insurance

]]> Have a Successful Open Enrollment Meeting & What to Know Chris Burns - Dynamic Money Founder & Principal 00:17:00 Let’s talk about the most boring meeting of the year… sounds thrilling, right? But, if you can fight through it… it can make a difference. I believe in you. Let’s talk about the most boring meeting of the year… sounds thrilling, right? But, if you can fight through it… it can make a difference. I believe in you. money, money help, healthcare, chris burns, financial advice, insurance advice, company healthcare options, health insurance, open enrollment no full 129 b6dc2b34-83cb-4b38-8f08-34bf4e1a506b What Can The Lottery Teach You About (The Secrets to) Financial Success? We’re all looking for a way out. Whether we’re throwing money away at the lottery or gambling with the stock market, we all want a quick fix. Wouldn’t you rather build an intention plan that lasts instead?

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Learn A Billion Dollar Lesson & Build a Strong Plan

]]> Wed, 24 Oct 2018 20:21:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/what-can-the-lottery-teach-you-about-the-51a70a8d We’re all looking for a way out. Whether we’re throwing money away at the lottery or gambling with the stock market, we all want a quick fix. Wouldn’t you rather build an intention plan that lasts instead?

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]]> What Can The Lottery Teach You About (The Secrets to) Financial Success? Chris Burns - Dynamic Money Founder & Principal 00:11:30 Whether we’re throwing money away at the lottery or gambling with the stock market, we all have something in common. Let’s learn a billion dollar lesson. Whether we’re throwing money away at the lottery or gambling with the stock market, we all have something in common. Let’s learn a billion dollar lesson. no full 128 db53edcf-0951-4ce5-b96a-10479214f0a1 Master Market Timing & Be Confident In Your Future When you know this much about market timing you’ll be prepared to… never trust market timing again. But thankfully there is a better alternative that will give you full confidence.

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]]> Tue, 23 Oct 2018 19:42:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/master-market-timing-be-confident-in-7e093070 When you know this much about market timing you’ll be prepared to… never trust market timing again. But thankfully there is a better alternative that will give you full confidence.

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]]> Master Market Timing & Be Confident In Your Future Chris Burns - Dynamic Money Founder & Principal 00:15:27 When you know this much about market timing you’ll be prepared to… never trust market timing again. But thankfully there is a better alternative that will give you full confidence. When you know this much about market timing you’ll be prepared to… never trust market timing again. But thankfully there is a better alternative that will give you full confidence. no full 127 b70d8844-664d-4e4b-89cf-a472aced751d This Week's Market Drop Was a Gift | Assessing YOUR Risk NOW Don’t let the market drop have power over you. Learn how to assess your risk and be ready for anything that could hit.

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Get Help & Understand Your Risk Level Before The Next DROP

]]> Wed, 17 Oct 2018 19:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/this-weeks-market-drop-was-a-gift-837ce409 Don’t let the market drop have power over you. Learn how to assess your risk and be ready for anything that could hit.

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Get Help & Understand Your Risk Level Before The Next DROP

]]> This Week's Market Drop Was a Gift | Assessing YOUR Risk NOW Chris Burns - Dynamic Money Founder & Principal 00:51:27 Don’t let the market drop have power over you. Learn how to assess your risk and be ready for anything that could hit. Don’t let the market drop have power over you. Learn how to assess your risk and be ready for anything that could hit. predicting the market, market drop, market predictions, planning, financial plan, stock market, retirement, market no full 126 f13531c4-37b8-48a7-a4b2-7fbb53e262b8 Your Market Drop Preparation Kit We are living in a remarkable time. We’re experiencing the longest bull market and the lowest unemployment rate, which makes us wonder when is this going to end? Let's make sure you’re in a position that when the economy turns south, you’re still doing well.

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]]> Fri, 12 Oct 2018 12:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/your-market-drop-preparation-kit-e109bb25 We are living in a remarkable time. We’re experiencing the longest bull market and the lowest unemployment rate, which makes us wonder when is this going to end? Let's make sure you’re in a position that when the economy turns south, you’re still doing well.

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]]> Your Market Drop Preparation Kit Chris Burns - Dynamic Money Founder & Principal 00:23:02 We are living in a remarkable time. We’re experiencing the longest bull market and the lowest unemployment rate, which makes us wonder when is this going to end? Let's make sure you’re in a position that when the economy turns south, you’re still doing well. We are living in a remarkable time. We’re experiencing the longest bull market and the lowest unemployment rate, which makes us wonder when is this going to end? Let's make sure you’re in a position that when the economy turns south, you’re still doing well. money, market drop, fiduciary, financial companies, money help, stock market, chris burns, financial advice no full 125 dc1d7c43-56c5-41d5-b6f3-42e022e2c100 How To Drive Your Wage Up Significantly In A Tight Labor Market We’re experiencing a tight labor market, and this means great opportunity for everyone. Wondering how you can drive your wage up significantly in a tight labor market? Curious how long you need to keep working before retirement? Read on.

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Meet With Our Team & Get Practical Advice

]]> Wed, 10 Oct 2018 19:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/how-to-drive-your-wage-up-significantly-1cf06413 We’re experiencing a tight labor market, and this means great opportunity for everyone. Wondering how you can drive your wage up significantly in a tight labor market? Curious how long you need to keep working before retirement? Read on.

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]]> How To Drive Your Wage Up Significantly In A Tight Labor Market Chris Burns - Dynamic Money Founder & Principal 00:10:03 We’re experiencing a tight labor market, and this means a great opportunity for everyone. Wondering how you can drive your wage up significantly in a tight labor market? Curious how long you need to keep working before retirement? Read on. We’re experiencing a tight labor market, and this means a great opportunity for everyone. Wondering how you can drive your wage up significantly in a tight labor market? Curious how long you need to keep working before retirement? Read on. money, wages, labor, financial advice, labor market, chris burns, make more money, fiduciary, financial companies, money help no full 124 28b4edfa-3ff6-4ada-9cf6-c3b8e5eca724 How Can a Dropping Market Be a Great Thing? The market isn’t good or bad, it’s just up or down. Financial success comes when you build a plan that works regardless of the market.

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Learn How to Build a Financial Plan that Works in Any Market

]]> Tue, 9 Oct 2018 20:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/how-can-a-dropping-market-be-a-great-8056346e The market isn’t good or bad, it’s just up or down. Financial success comes when you build a plan that works regardless of the market.

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Learn How to Build a Financial Plan that Works in Any Market

]]> How Can a Dropping Market Be a Great Thing? Chris Burns - Dynamic Money Founder & Principal 00:17:35 The market isn’t good or bad, it’s just up or down. Financial success comes when you build a plan that works regardless of the market. The market isn’t good or bad, it’s just up or down. Financial success comes when you build a plan that works regardless of the market. market timing, money, money help, stocks, financial advice, chris burns, drop, financial companies, market no full 123 eff2bb3c-4a54-4cb0-9097-2902b7ee0000 How To Save for Your Children's College Efficiently, Strategically and Effectively Save for college, retirement, and the future in the most efficient way.

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]]> Thu, 4 Oct 2018 20:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/how-to-save-for-your-childrens-college-81a07969 Save for college, retirement, and the future in the most efficient way.

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]]> How To Save for Your Children's College Efficiently, Strategically and Effectively Chris Burns - Dynamic Money Founder & Principal 00:17:29 Save for college, retirement, and the future in the most efficient way. Save for college, retirement, and the future in the most efficient way. university, planning for college, tuition, college degree, kids, college, saving, student loans, student debt, debt no full 122 73cc2a84-4b57-4b61-8cfb-7387986ff6d8 How to Protect Your Personal Information | Freezing Your Credit How can I protect my credit from hackers, social media giants and other data breaches? Follow these easy steps to keep your credit file safe.

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]]> Wed, 3 Oct 2018 20:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/how-to-protect-your-personal-information-a44e161a How can I protect my credit from hackers, social media giants and other data breaches? Follow these easy steps to keep your credit file safe.

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]]> How to Protect Your Personal Information | Freezing Your Credit Chris Burns - Dynamic Money Founder & Principal 00:04:04 How can I protect my credit from hackers, social media giants and other data breaches? Follow these easy steps to keep your credit file safe. How can I protect my credit from hackers, social media giants and other data breaches? Follow these easy steps to keep your credit file safe. money, freeze your credit, data breach, hackers, chris burns, financial advice, money help, credit no full 121 a98ab84b-9904-4da9-91cf-78536069cc3b Predicting the Stock Market And The Fear of October Why is predictive analysis so dangerous? Is there a different way to plan for your future? Learn the best way to approach retirement without adding anxiety, fear or stress to your life.

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]]> Tue, 2 Oct 2018 21:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/predicting-the-stock-market-and-the-fear-87ff494d Why is predictive analysis so dangerous? Is there a different way to plan for your future? Learn the best way to approach retirement without adding anxiety, fear or stress to your life.

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]]> Predicting the Stock Market And The Fear of October Chris Burns - Dynamic Money Founder & Principal 00:18:09 Why is predictive analysis so dangerous? Is there a different way to plan for your future? Learn the best way to approach retirement without adding anxiety, fear or stress to your life. Why is predictive analysis so dangerous? Is there a different way to plan for your future? Learn the best way to approach retirement without adding anxiety, fear or stress to your life. predicting the market, stock market, october, market, financial plan, planning, retirement, market predictions no full 120 5e13598a-2233-481c-aa51-ea0db4b14745 How Spending Money Can Save Your Savings Plan | The Importance of Fun Money Saving is vital and should be started as early as possible, but there’s never a reason to sacrifice all fun and whimsy when planning for your dreams. Here’s how I build in fun and spontaneity for my clients.

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]]> Thu, 27 Sep 2018 20:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/how-spending-money-can-save-your-savings-e3b34dc2 Saving is vital and should be started as early as possible, but there’s never a reason to sacrifice all fun and whimsy when planning for your dreams. Here’s how I build in fun and spontaneity for my clients.

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]]> How Spending Money Can Save Your Savings Plan | The Importance of Fun Money Chris Burns - Dynamic Money Founder & Principal 00:09:00 Saving is vital and should be started as early as possible, but there’s never a reason to sacrifice all fun and whimsy when planning for your dreams. Here’s how I build in fun and spontaneity for my clients. Saving is vital and should be started as early as possible, but there’s never a reason to sacrifice all fun and whimsy when planning for your dreams. Here’s how I build in fun and spontaneity for my clients. savings plan, saving money, planning, financial plan, opportunity fund, fun money, saving no full 119 697568d6-8111-4ac7-bff7-b37ef36dd1b5 The College Tuition Crisis | How To Prevent Your Children From Thousands of Dollars in Student Debt A college degree is sought after and valued in American society, but at what cost? Here’s how to talk to your kids about the true costs of tuition and how they’ll hold up their end of the bargain.

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]]> Tue, 25 Sep 2018 20:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/the-college-tuition-crisis-how-to-423942c8 A college degree is sought after and valued in American society, but at what cost? Here’s how to talk to your kids about the true costs of tuition and how they’ll hold up their end of the bargain.

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]]> The College Tuition Crisis | How To Prevent Your Children From Thousands of Dollars in Student Debt Chris Burns - Dynamic Money Founder & Principal 00:26:15 A college degree is sought after and valued in American society, but at what cost? Here’s how to talk to your kids about the true costs of tuition and how they’ll hold up their end of the bargain. A college degree is sought after and valued in American society, but at what cost? Here’s how to talk to your kids about the true costs of tuition and how they’ll hold up their end of the bargain. kids, student debt, debt, university, college degree, college, saving, planning for college, student loans, tuition no full 118 bfba8ef1-194b-4a92-ada7-41c7da4c6c61 Just Say No To The Allure Of Sexy Investing Opportunities Let’s explore the fancy window dressings of investments like bitcoin, fomo and why you shouldn’t be a slave to investing trends.

Ask Us Any Question

]]> Thu, 20 Sep 2018 19:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/just-say-no-to-the-allure-of-sexy-e6969e21 Let’s explore the fancy window dressings of investments like bitcoin, fomo and why you shouldn’t be a slave to investing trends.

Ask Us Any Question

]]> Just Say No To The Allure Of Sexy Investing Opportunities Chris Burns - Dynamic Money Founder & Principal 00:10:33 Let’s explore the fancy window dressings of investments like bitcoin, fomo and why you shouldn’t be a slave to investing trends. Let’s explore the fancy window dressings of investments like bitcoin, fomo and why you shouldn’t be a slave to investing trends. no full 117 fee82c79-605f-4a9b-9b85-65de0ff0a6da A Primer on Homeowners Insurance in the Storm When disaster strikes, don’t let determine your preparedness by the number of bottles of water you have. We’re exploring homeowners insurance and my mistakes about policy coverage.

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]]> Tue, 18 Sep 2018 19:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/a-primer-on-homeowners-insurance-in-the-6b497836 When disaster strikes, don’t let determine your preparedness by the number of bottles of water you have. We’re exploring homeowners insurance and my mistakes about policy coverage.

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]]> A Primer on Homeowners Insurance in the Storm Chris Burns - Dynamic Money Founder & Principal 00:19:03 When disaster strikes, don’t let determine your preparedness by the number of bottles of water you have. We’re exploring homeowners insurance and my mistakes about policy coverage. When disaster strikes, don’t let determine your preparedness by the number of bottles of water you have. We’re exploring homeowners insurance and my mistakes about policy coverage. money, chris burns, fiduciary, financial companies, money help, financial advice no full 116 8d42e20c-019c-4f13-9cc7-e5a810b6af39 The Housing Market And How To Come Out Ahead For Every Scenario All good things—robust housing market included—must come to an end. We delve into the housing market and discuss scenarios for every homeowner and aspiring homeowner. 

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]]> Fri, 7 Sep 2018 20:17:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/the-housing-market-and-how-to-come-out-9c93ba54 All good things—robust housing market included—must come to an end. We delve into the housing market and discuss scenarios for every homeowner and aspiring homeowner. 

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]]> The Housing Market And How To Come Out Ahead For Every Scenario Chris Burns - Dynamic Money Founder & Principal 00:14:56 All good things—robust housing market included—must come to an end. We delve into the housing market and discuss scenarios for every homeowner and aspiring homeowner.  All good things—robust housing market included—must come to an end. We delve into the housing market and discuss scenarios for every homeowner and aspiring homeowner.  money, fiduciary, financial companies, money help, chris burns, financial advice no full 115 0aeb2895-61ee-4b43-9465-cc6144745ba6 Why You Want A Fiduciary In Your Corner And What It Means When You Don't It’s black and white— your advisor is a fiduciary or they’re not. We're going to explore the importance of fiduciaries and Merrill Lynch's recent change of heart on the subject. 

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]]> Thu, 6 Sep 2018 20:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/why-you-want-a-fiduciary-in-your-corner-f36c9be0 It’s black and white— your advisor is a fiduciary or they’re not. We're going to explore the importance of fiduciaries and Merrill Lynch's recent change of heart on the subject. 

Ask Any Question About Life and Finances

]]> Why You Want A Fiduciary In Your Corner And What It Means When You Don't Chris Burns - Dynamic Money Founder & Principal 00:09:29 It’s black and white— your advisor is a fiduciary or they’re not. We're going to explore the importance of fiduciaries and Merrill Lynch's recent change of heart on the subject.  It’s black and white— your advisor is a fiduciary or they’re not. We're going to explore the importance of fiduciaries and Merrill Lynch's recent change of heart on the subject.  money, money help, fiduciary, chris burns, financial companies, financial advice no full 114 e3395dac-254a-4751-9936-a30c54d71c00 What Does It Take To Be Successful In Investing Well? The number one reason people sit down with our team is they need investment advice. But investment knowledge is just the start of success.

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]]> Wed, 5 Sep 2018 20:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/what-does-it-take-to-be-successful-in-335dc249 The number one reason people sit down with our team is they need investment advice. But investment knowledge is just the start of success.

Ask More Than Money a Question

]]> What Does It Take To Be Successful In Investing Well? Chris Burns - Dynamic Money Founder & Principal 00:14:07 The number one reason people sit down with our team is they need investment advice. But investment knowledge is just the start of success. The number one reason people sit down with our team is they need investment advice. But investment knowledge is just the start of success. money, money help, financial companies, chris burns, financial advice, fiduciary no full 113 d342d8dc-358f-4e13-adaa-2a5f70eea7d9 Against the Flow Thoughts on Stopping 401k Automatic Enrollment Going with the flow sometimes is great. When your retirement planning is strategy is go with the flow, we need to talk. Today we discuss auto-enrollment & why it doesn’t work.

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]]> Thu, 23 Aug 2018 12:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/against-the-flow-thoughts-on-stopping-d03b5be4 Going with the flow sometimes is great. When your retirement planning is strategy is go with the flow, we need to talk. Today we discuss auto-enrollment & why it doesn’t work.

Ask More Than Money a Question

]]> Against the Flow Thoughts on Stopping 401k Automatic Enrollment Chris Burns - Dynamic Money Founder & Principal 00:14:47 Going with the flow sometimes is great. When your retirement planning is strategy is go with the flow, we need to talk. Today we discuss auto-enrollment & why it doesn’t work. Going with the flow sometimes is great. When your retirement planning is strategy is go with the flow, we need to talk. Today we discuss auto-enrollment & why it doesn’t work. money, retirement advice, retirement, financial companies, chris burns, financial advice, 401k, money help no full 112 b0b9cc80-550e-4e71-a70d-25be7344e6b4 Today's Bull Market Breaks The Record, How Do You Respond? Let's talk about planning for the drop and how this record-breaking news impacts you. HAVE NO FEAR! There are ways to set yourself up for retirement success.

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]]> Wed, 22 Aug 2018 12:15:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/todays-bull-market-breaks-the-record-how-88029dfc Let's talk about planning for the drop and how this record-breaking news impacts you. HAVE NO FEAR! There are ways to set yourself up for retirement success.

Ask More Than Money A Question

]]> Today's Bull Market Breaks The Record, How Do You Respond? Chris Burns - Dynamic Money Founder & Principal 00:26:58 Let's talk about planning for the drop and how this record-breaking news impacts you. HAVE NO FEAR! There are ways to set yourself up for retirement success. Let's talk about planning for the drop and how this record-breaking news impacts you. HAVE NO FEAR! There are ways to set yourself up for retirement success. money, money help, financial companies, chris burns, financial advice, bull market no full 111 46de21e9-cc0f-4741-8158-a6164a7f36f1 Can You Avoid Being Taken Advantage Of? One of my biggest pet peeves is financial companies abusing its customers. Behemoth institutions preying on and exploiting the vulnerabilities of the public is unconscionable. The blatant abuse of power is more common than you think and we're going to explore its root cause and how to protect yourself.

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]]> Thu, 9 Aug 2018 20:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/can-you-avoid-being-taken-advantage-of-23d0b23d One of my biggest pet peeves is financial companies abusing its customers. Behemoth institutions preying on and exploiting the vulnerabilities of the public is unconscionable. The blatant abuse of power is more common than you think and we're going to explore its root cause and how to protect yourself.

Ask More Than Money Any Question Now

]]> Can You Avoid Being Taken Advantage Of? Chris Burns - Dynamic Money Founder & Principal 00:17:08 More and more companies are defrauding their customers and trying to get away with it! Sharing tips on how not to become a financial institution’s latest victim. More and more companies are defrauding their customers and trying to get away with it! Sharing tips on how not to become a financial institution’s latest victim. money, fiduciary, chris burns, financial companies, financial advice, money help no full 110 652154e0-8a3f-46d9-8f79-79cd7c5c77e7 Pensions: How Did We Get Here & How To Not Be A Victim The Wall Street Journal recently published a groundbreaking article detailing the current state of pensions in the U.S. Just because you don’t have a pension doesn’t mean you’re not a part of the conversation. Believe me when I tell you that what’s going on in pensions is a microcosm of what’s going on in personal finance and retirement planning.

It’s time we all shift our mindset into high gear and expect the unexpected.

]]> Wed, 8 Aug 2018 20:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/pensions-how-did-we-get-here-how-to-not-0080811d The Wall Street Journal recently published a groundbreaking article detailing the current state of pensions in the U.S. Just because you don’t have a pension doesn’t mean you’re not a part of the conversation. Believe me when I tell you that what’s going on in pensions is a microcosm of what’s going on in personal finance and retirement planning.

It’s time we all shift our mindset into high gear and expect the unexpected.

]]> Pensions: How Did We Get Here & How To Not Be A Victim Chris Burns - Dynamic Money Founder & Principal 00:26:51 The pension well is about to be tapped and life continues to throw (expensive) curveballs. Here’s how you can prepare for the unexpected. The pension well is about to be tapped and life continues to throw (expensive) curveballs. Here’s how you can prepare for the unexpected. money, retirement, retirement advice, chris burns, market, financial advice, finance, pensions, planning, financial planning no full 109 f1e0754f-548f-42cd-962b-a052d010dc33 What Do You Do With An IRA That Is Passed Down To You? Lainey's father recently passed away and left her with his IRA. How should she go about transferring that? Sun, 15 Jul 2018 20:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/what-do-you-do-with-an-ira-that-is-b05607a3 What Do You Do With An IRA That Is Passed Down To You? Chris Burns - Dynamic Money Founder & Principal 00:02:39 Lainey's father recently passed away and left her with his IRA. How should she go about transferring that? Lainey's father recently passed away and left her with his IRA. How should she go about transferring that? no full 108 702e0bdc-49a5-4e65-95ca-db2b842a4db2 How Aggressive Do We Need To Be With Our Children's College Savings? Kids, they grow up so fast. Tran is to truly feel this when he opened up a college saving plan for both of his kids. He asks Chris how aggressive he needs to be with these plans. Fri, 13 Jul 2018 20:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/how-aggressive-do-we-need-to-be-with-our-86540cb1 How Aggressive Do We Need To Be With Our Children's College Savings? Chris Burns - Dynamic Money Founder & Principal 00:02:32 Kids, they grow up so fast. Tran is to truly feel this when he opened up a college saving plan for both of his kids. He asks Chris how aggressive he needs to be with these plans. Kids, they grow up so fast. Tran is to truly feel this when he opened up a college saving plan for both of his kids. He asks Chris how aggressive he needs to be with these plans. no full 107 a3cc081e-8220-471c-a108-b27033fd14b8 What Do I Do If My New Job Doesn't Offer a 401k? Will is a recent graduate and is just stepping into the workforce. His first job doesn't offer a 401k, but where should he be opening his own IRA? Wed, 11 Jul 2018 20:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/what-do-i-do-if-my-new-job-doesnt-offer-36789ff4 What Do I Do If My New Job Doesn't Offer a 401k? Chris Burns - Dynamic Money Founder & Principal 00:05:49 Will is a recent graduate and is just stepping into the workforce. His first job doesn't offer a 401k, but where should he be opening his own IRA? Will is a recent graduate and is just stepping into the workforce. His first job doesn't offer a 401k, but where should he be opening his own IRA? no full 106 ebcad6d1-1b38-4dbf-8c00-2c1ebba5b605 How to Talk to Your Family About Inheritance and Retirement? Kimberly asks how should her and her family plan for the future when it comes to inheritance. Mon, 9 Jul 2018 20:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/how-to-talk-to-your-family-about-1c0fc0cb How to Talk to Your Family About Inheritance and Retirement? Chris Burns - Dynamic Money Founder & Principal 00:04:19 Kimberly asks how should her and her family plan for the future when it comes to inheritance. Kimberly asks how should her and her family plan for the future when it comes to inheritance. no full 105 d2316584-c9b7-4a1d-88f2-011d20b2d322 What Are The Benefits of Selling My Home or Turning It Into A Rental Property? Julie asked, "Is it more beneficial to sell her house or turn it into a rental property for the future?" Sat, 7 Jul 2018 20:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/what-are-the-benefits-of-selling-my-home-25752459 What Are The Benefits of Selling My Home or Turning It Into A Rental Property? Chris Burns - Dynamic Money Founder & Principal 00:03:38 Julie asked, "Is it more beneficial to sell her house or turn it into a rental property for the future?" Julie asked, "Is it more beneficial to sell her house or turn it into a rental property for the future?" no full 104 0a62b725-a667-4685-abe4-6b04ca54d044 Going Against The Grain- Invest or Emergency Fund? Every week on WSB Radio Show, I get to answer some of the questions you have sent in on our lightning round. Here is a question for Charlie about whether to follow his parents' wishes or do what is best for him financially? Thu, 5 Jul 2018 20:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/going-against-the-grain-invest-or-b61f105a Going Against The Grain- Invest or Emergency Fund? Chris Burns - Dynamic Money Founder & Principal 00:02:41 Every week on WSB Radio Show, I get to answer some of the questions you have sent in on our lightning round. Here is a question for Charlie about whether to follow his parents' wishes or do what is best for him financially? Every week on WSB Radio Show, I get to answer some of the questions you have sent in on our lightning round. Here is a question for Charlie about whether to follow his parents' wishes or do what is best for him financially? no full 103 5967a9bc-9262-4b3e-aa2d-16ce3658824b How To Be Confident In Your Retirement Plan In this episode you'll learn:

  • The challenge in today's market-driven retirement.
  • How to retire in the new reality of retirement.
  • The value of getting a financial coach, a financial strategy, and taking it home!

Ask Chris Burns Any Question

]]> Sat, 30 Jun 2018 20:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/how-to-be-confident-in-your-retirement-4daf9e27 In this episode you'll learn:

  • The challenge in today's market-driven retirement.
  • How to retire in the new reality of retirement.
  • The value of getting a financial coach, a financial strategy, and taking it home!

Ask Chris Burns Any Question

]]> How To Be Confident In Your Retirement Plan Chris Burns - Dynamic Money Founder & Principal 00:24:45 First of all, just because you're feeling anxiety about retiring doesn't mean you're necessarily in a bad place. First of all, just because you're feeling anxiety about retiring doesn't mean you're necessarily in a bad place. retirement advice, financial advice, financial advisor, retire, retirement, market, market driven retirement, make more money no full 102 280b9908-e2e8-46b4-90da-0603dc4c7bc2 Take It to the (RIGHT) Bank When Making A Change In this episode you'll hear:

  • The fine print you need to know about most bank promotion mailers.
  • My frustration with most BIG bank options and how it costs you.
  • Great banking options to consider.

Ask Chris Burns Any Question Now

]]> Fri, 29 Jun 2018 20:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/take-it-to-the-right-bank-when-making-a-808c7b4c In this episode you'll hear:

  • The fine print you need to know about most bank promotion mailers.
  • My frustration with most BIG bank options and how it costs you.
  • Great banking options to consider.

Ask Chris Burns Any Question Now

]]> Take It to the (RIGHT) Bank When Making A Change Chris Burns - Dynamic Money Founder & Principal 00:06:55 I bet you’ve seen a bank promotion in your mailbox or inbox the last month How about we find the right bank partner over the hot bank promo? Crazy talk… maybe? I bet you’ve seen a bank promotion in your mailbox or inbox the last month How about we find the right bank partner over the hot bank promo? Crazy talk… maybe? bank, financial advice, more, make more money, financial advisor, promotions, banking no full 101 270e89b5-0b0e-46b7-9c4b-0727eb43a0c8 Inspiring Kids to Be World Changers with $100 - Kristen Witzel (Kids Boost) In our conversation with Kristen, you will hear:

  • The story of a mom, entrepreneur, and dreamer who loves to inspire.
  • How Kids Boost began and the sacrifices it demanded.
  • The efforts to dramatically shift how kids see and engage in giving back.
  • Why this Atlanta-based organization is a favorite place for our team to support.

Learn More About Kids Boost

Ask Chris Any Question

]]> Thu, 28 Jun 2018 20:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/inspiring-kids-to-be-world-changers-with-65c36e59 In our conversation with Kristen, you will hear:

  • The story of a mom, entrepreneur, and dreamer who loves to inspire.
  • How Kids Boost began and the sacrifices it demanded.
  • The efforts to dramatically shift how kids see and engage in giving back.
  • Why this Atlanta-based organization is a favorite place for our team to support.

Learn More About Kids Boost

Ask Chris Any Question

]]> Inspiring Kids to Be World Changers with $100 - Kristen Witzel (Kids Boost) Chris Burns - Dynamic Money Founder & Principal 01:07:50 Kids Boost teaches children the joys of philanthropy at a young age, creating a life-long love of giving back. Meet Kristen Witzel the visionary and founder and hear her story of entrepreneurship. Kids Boost teaches children the joys of philanthropy at a young age, creating a life-long love of giving back. Meet Kristen Witzel the visionary and founder and hear her story of entrepreneurship. service project, serve, kristen witzel, kids boost, financial advice, kids philanthropy, entrepreneurship, philanthropy, financial advisor, atlanta radio, atlanta give back, atlanta, donate, make more money, family no full 100 5b5f8a7b-5cfe-4496-a8ad-7b09e4f785ff (Not So Easy) Secret Sauce to Investing in Up & Down Markets In this episode you'll learn:

  • What is true of rock-solid investors?
  • The 2 tips to investing well in a turbulent (or any) market.
  • How to REALLY plan for market instability?

Ask Chris Any Question

]]> Wed, 27 Jun 2018 20:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/not-so-easy-secret-sauce-to-investing-in-a5545897 In this episode you'll learn:

  • What is true of rock-solid investors?
  • The 2 tips to investing well in a turbulent (or any) market.
  • How to REALLY plan for market instability?

Ask Chris Any Question

]]> (Not So Easy) Secret Sauce to Investing in Up & Down Markets Chris Burns - Dynamic Money Founder & Principal 00:21:34 The secret sauce to significantly change your returns forever is not what you think. Here are two foundational tips to investing well. The secret sauce to significantly change your returns forever is not what you think. Here are two foundational tips to investing well. money, market, investments, money advice, market timing, down market, invest no full 99 0e629c83-c369-4c1f-8ae6-1e3fbbcd18ae Bad Retirement Advice Older People Give All the Time In this episode you'll hear:

  • A popular retirement/savings strategy completely debunked.
  • My argument for what you should do in today's financial climate.
  • A truth that EVERYONE needs to hear for their financial future.
  • What to do next if you feel stressed or living paycheck to paycheck.

Ask Chris Burns Any Question Now

Our goal is to see you live with more and live for more.

]]> Sat, 16 Jun 2018 09:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/bad-retirement-advice-older-people-give-0c9047bd In this episode you'll hear:

  • A popular retirement/savings strategy completely debunked.
  • My argument for what you should do in today's financial climate.
  • A truth that EVERYONE needs to hear for their financial future.
  • What to do next if you feel stressed or living paycheck to paycheck.

Ask Chris Burns Any Question Now

Our goal is to see you live with more and live for more.

]]> Bad Retirement Advice Older People Give All the Time Chris Burns - Dynamic Money Founder & Principal 00:14:52 Saving for retirement is deeply ingrained in our culture, but it could be ruining your chance at financial success. Old people and even money experts are famous for giving some bad advice I expose. Saving for retirement is deeply ingrained in our culture, but it could be ruining your chance at financial success. Old people and even money experts are famous for giving some bad advice I expose. money, market volitality, business advice, money advice, finances, tax cut, 401k no full 98 417008a9-d2b3-49f1-9b52-c3db06cb36a0 Trade Wars! How to Protect Yourself from... Canada? In this episode you'll hear:

  • How the current Trade wars can and will affect you
  • The best ways to protect yourself from market volatility
  • Chris' easy-to-remember investment advice he stole from church

Ask Chris Any Question

Our goal is to help you live with more and live for more.

]]> Thu, 14 Jun 2018 19:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/trade-wars-how-to-protect-yourself-from-d45c1a07 In this episode you'll hear:

  • How the current Trade wars can and will affect you
  • The best ways to protect yourself from market volatility
  • Chris' easy-to-remember investment advice he stole from church

Ask Chris Any Question

Our goal is to help you live with more and live for more.

]]> Trade Wars! How to Protect Yourself from... Canada? Chris Burns - Dynamic Money Founder & Principal 00:12:35 President Trump has now extended the Trade War (tariffs) in the last number of days to many of our allies. What should that mean to you, eh? President Trump has now extended the Trade War (tariffs) in the last number of days to many of our allies. What should that mean to you, eh? money, business advice, chris burns, money advice, trade wars, canada, tariffs, tax cut, finances no full 98 2fd21292-ba1c-4b79-9b16-e5fb97ac2f8a Social Security, The Massive Questions & What to Expect In this episode you'll hear:

  • How the media is going crazy and how much of it is valid
  • What will Social Security look like for you?
  • A real couple's experience
  • What Chris suggests for your financial future

Ask Chris Any Question Now

Our goal is to help you Live With More and Live For More.

]]> Wed, 13 Jun 2018 16:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/social-security-the-massive-questions-3418a558 In this episode you'll hear:

  • How the media is going crazy and how much of it is valid
  • What will Social Security look like for you?
  • A real couple's experience
  • What Chris suggests for your financial future

Ask Chris Any Question Now

Our goal is to help you Live With More and Live For More.

]]> Social Security, The Massive Questions & What to Expect Chris Burns - Dynamic Money Founder & Principal 00:17:14 It happened. We dipped into Social Security's trust fund to pay expenses! So, what's that going to mean for your benefits and how do you make a good plan if your 25 and if you’re 55? It happened. We dipped into Social Security's trust fund to pay expenses! So, what's that going to mean for your benefits and how do you make a good plan if your 25 and if you’re 55? social security, financial advisor, financial advice, make more money no full 97 b371d8c0-71b7-421e-9089-5fb17393124a The Payoff of Knowing Your Gifts Now - Scott Kaufman | MyCareerIQ.net In this podcast interview, you will hear:

  • How to properly guide young adults to live within their strengths.
  • The dramatic cultural shifts occurring in education and work.
  • How instrumental the right guidance can be in young adults most pivotal years.
  • The thoughtful process that goes into assessing giftedness.
  • Why recognizing young adults' passions early still holds immense value even before they are college or career ready.

Ask Chris Burns Any Question

Learn More About MyCareerIQ.net

]]> Tue, 12 Jun 2018 09:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/the-payoff-of-knowing-your-gifts-now-648df904 In this podcast interview, you will hear:

  • How to properly guide young adults to live within their strengths.
  • The dramatic cultural shifts occurring in education and work.
  • How instrumental the right guidance can be in young adults most pivotal years.
  • The thoughtful process that goes into assessing giftedness.
  • Why recognizing young adults' passions early still holds immense value even before they are college or career ready.

Ask Chris Burns Any Question

Learn More About MyCareerIQ.net

]]> The Payoff of Knowing Your Gifts Now - Scott Kaufman | MyCareerIQ.net Chris Burns - Dynamic Money Founder & Principal 01:14:09 How a top corporate recruiter leads young people to professional fulfillment even before they are in college. How a top corporate recruiter leads young people to professional fulfillment even before they are in college. money, interview, scott kaufman, career advice, chris burns, money advice, mycareeriq, financial advice, assessment, direction, money conversation no full 96 e937a33b-2557-4a37-a8d6-c79e76ff187d You Think You Know Annuities But You're WRONG In this episode you'll hear:

  • The BIGGEST problem with annuities and their bad reputation.
  • The 3 types of annuity options.
  • How to pick what's best for your life and to build the life of your dreams.

For much of the financial world, Annuities are a four-letter word. But what exactly are annuities and why are they so bad?

Ask Chris Any Question Now

]]> Tue, 5 Jun 2018 09:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/you-think-you-know-annuities-but-youre-91b9d535 In this episode you'll hear:

  • The BIGGEST problem with annuities and their bad reputation.
  • The 3 types of annuity options.
  • How to pick what's best for your life and to build the life of your dreams.

For much of the financial world, Annuities are a four-letter word. But what exactly are annuities and why are they so bad?

Ask Chris Any Question Now

]]> You Think You Know Annuities But You're WRONG Chris Burns - Dynamic Money Founder & Principal 00:24:06 For much of the financial world, Annuities are a four-letter word. But what exactly are annuities and why are they so bad? For much of the financial world, Annuities are a four-letter word. But what exactly are annuities and why are they so bad? annuity, make more money, annuities, money facts, financial advisor, opinion, financial advice no full 95 7dfe5ea6-1a7b-4300-87ed-113a8ee32f22 3 Tips To Go Out Big & Have An Amazing Retirement In this episode you'll hear:

  • What not to do if you're nearing retirement.
  • What you NEED to do as you approach retirement.
  • 3 tips to move into a smooth retirement.

Ask Chris A Question Now

]]> Fri, 1 Jun 2018 09:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/3-tips-to-go-out-big-have-an-amazing-aecaff16 In this episode you'll hear:

  • What not to do if you're nearing retirement.
  • What you NEED to do as you approach retirement.
  • 3 tips to move into a smooth retirement.

Ask Chris A Question Now

]]> 3 Tips To Go Out Big & Have An Amazing Retirement Chris Burns - Dynamic Money Founder & Principal 00:22:24 Most of us wish we had started saving sooner, but just because you're behind don't hold your head down. Here are tips to maximize your future years and build a strong retirement. Most of us wish we had started saving sooner, but just because you're behind don't hold your head down. Here are tips to maximize your future years and build a strong retirement. financial advisor, make more money, retire, financial advice, retirement, work, amazing retirement, working no full 94 3a321b02-7740-4af8-ba21-f71b04c4ae62 Are You Overpaying for Financial Advice - STOP! Financial advisors can be an invaluable tool for your future, but they shouldn't be able to overcharge you or treat you poorly. 

In this episode you'll hear:

  • One client's unbelievable experience.
  • What you should pay for good advice.
  • The right questions to ask to be sure your advice isn't costing you.

Ask Chris Any Question Now

]]> Wed, 30 May 2018 12:52:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/are-you-overpaying-for-financial-advice-bc68ae9a Financial advisors can be an invaluable tool for your future, but they shouldn't be able to overcharge you or treat you poorly. 

In this episode you'll hear:

  • One client's unbelievable experience.
  • What you should pay for good advice.
  • The right questions to ask to be sure your advice isn't costing you.

Ask Chris Any Question Now

]]> Are You Overpaying for Financial Advice - STOP! Chris Burns - Dynamic Money Founder & Principal 00:08:19 I urge you to take the time to figure out what your financial planner is charging you. I recently had a client come in who was paying more than 2.5 times that standard. I was disgusted! I urge you to take the time to figure out what your financial planner is charging you. I recently had a client come in who was paying more than 2.5 times that standard. I was disgusted! financial advice, financial advisor, make more money, cost, advisor no full 93 bc1a7b38-d67e-4f2d-ab78-c72efb9c61ae Paying Off Your Home Isn't The Best Use Of Your Money In this episode, you'll hear:

  • 3 Major Red Flags About Mortgage/Retirement Advice Chris Read
  • The "Other Side" of Refinancing Your 30-Year Mortgage
  • Why The American Dream of Paying Off Your Home Isn't A Fit In The Realities of Today

Ask Chris Burns Any Question

]]> Fri, 25 May 2018 09:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/paying-off-your-home-isnt-the-best-use-9ffa27a2 In this episode, you'll hear:

  • 3 Major Red Flags About Mortgage/Retirement Advice Chris Read
  • The "Other Side" of Refinancing Your 30-Year Mortgage
  • Why The American Dream of Paying Off Your Home Isn't A Fit In The Realities of Today

Ask Chris Burns Any Question

]]> Paying Off Your Home Isn't The Best Use Of Your Money Chris Burns - Dynamic Money Founder & Principal 00:17:20 Paying off your home is deeply ingrained in American culture. It’s as American as apple pie and baseball. Many people assume that paying off your home as fast as possible is a good use of your money, but it’s not always healthy. Especially right now. Paying off your home is deeply ingrained in American culture. It’s as American as apple pie and baseball. Many people assume that paying off your home as fast as possible is a good use of your money, but it’s not always healthy. Especially right now. housing market, mortgage, refinancing, finance, market timing, investment advice, investments, advice no full 92 45a590eb-a892-4544-8df4-db205d2e19c6 Beware of Click Bait From Trusted Advisors One of the things that are most frustrating to me about the financial world is how reactionary financial experts are.

Ask Chris Burns Any Question

]]> Wed, 23 May 2018 09:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/beware-of-click-bait-from-trusted-0c76a4a3 One of the things that are most frustrating to me about the financial world is how reactionary financial experts are.

Ask Chris Burns Any Question

]]> Beware of Click Bait From Trusted Advisors Chris Burns - Dynamic Money Founder & Principal 00:15:41 If you are thinking everything is looking up because you've seen similar headlines, PLEASE listen. If you are thinking everything is looking up because you've seen similar headlines, PLEASE listen. financial news, financial advisor, advice, advisor no full 91 dd1322ac-cc76-4c6a-ac26-9452ac004a46 Doug McCranie - Time Out! How The Best Thing Businesses Can Do Is Get Away (CorpGetaway) In this interview, you will hear:

  • Doug's unlikely story of rising against all odds.
  • The severity of how disengaged the workplace is today.
  • Our cultures tend to accept risk from afar, and the personal battle against it.
  • Shocking statistics about today's workplace.
  • The incredibly thoughtful process that goes into creating impactful getaways.

Ask More Than Money Any Question

Learn More About CorpGetaway

]]> Mon, 21 May 2018 20:00:00 +0000 alanmcnaron@gmail.com (Chris Burns) https://morethanmoney.simplecast.com/episodes/doug-mccranie-time-out-how-the-best-ff6e2a9d In this interview, you will hear:

  • Doug's unlikely story of rising against all odds.
  • The severity of how disengaged the workplace is today.
  • Our cultures tend to accept risk from afar, and the personal battle against it.
  • Shocking statistics about today's workplace.
  • The incredibly thoughtful process that goes into creating impactful getaways.

Ask More Than Money Any Question

Learn More About CorpGetaway

]]> Doug McCranie - Time Out! How The Best Thing Businesses Can Do Is Get Away (CorpGetaway) Chris Burns 00:49:12 What can make your company culture stand out and come alive? We sat down with Doug McCranie of CorpGetaway to talk about retreats, life, and engagement. What can make your company culture stand out and come alive? We sat down with Doug McCranie of CorpGetaway to talk about retreats, life, and engagement. business, live for more, corpgetaway, retreat, live with more, doug mccranie, travel, getaway, business finances no full 90 0336dcaf-7564-4cbc-a308-661f8f8169d6 Sticking to The RIGHT Risk In The Market If you want to feel safe and secure in your investments, don’t buy into a flashy sounding product. Buy into a financial advisor who is looking out for you and your money.

Ask More Than Money Any Question Right Now

]]> Mon, 21 May 2018 16:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/sticking-to-the-right-risk-in-the-market-5f6f943a If you want to feel safe and secure in your investments, don’t buy into a flashy sounding product. Buy into a financial advisor who is looking out for you and your money.

Ask More Than Money Any Question Right Now

]]> Sticking to The RIGHT Risk In The Market Chris Burns - Dynamic Money Founder & Principal 00:12:28 Many products may claim to keep the stress out of investing, but they’re crippling your growth over time. Many products may claim to keep the stress out of investing, but they’re crippling your growth over time. market, risk, stock, money advice, risk tolerance, market volatility, advice no full 89 1c211a28-f4cb-43ac-86a7-75a7abee60ec Businesses Reaping The Most Reward From Tax Cut The tax cut reminds me a lot of one of my favorite movies, Christmas Vacation. Chevy Chase thinks he’s going to get a massive Christmas bonus, so he decides to put a deposit down on a new pool. Instead, he ends up getting a Jelly of the Month subscription. 

With an average increase of 1-2%, you probably feel like you got a Jelly of the Month subscription. 
Now, I love jelly, so I wouldn’t mind a jelly subscription but I’d still prefer money for my bonus. 

If you’re making $40,000 a year, a 1% raise would give you an extra $400 per year or $16 per paycheck. That’s not enough to blow on a new pool, but maybe you can get dinner out one night. 

But if you spend your money wisely, you could end making this pay bump worth more than you think! 

Ask Chris Any Question Now

]]> Wed, 16 May 2018 17:20:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/businesses-reaping-the-most-reward-from-e3201698 The tax cut reminds me a lot of one of my favorite movies, Christmas Vacation. Chevy Chase thinks he’s going to get a massive Christmas bonus, so he decides to put a deposit down on a new pool. Instead, he ends up getting a Jelly of the Month subscription. 

With an average increase of 1-2%, you probably feel like you got a Jelly of the Month subscription. 
Now, I love jelly, so I wouldn’t mind a jelly subscription but I’d still prefer money for my bonus. 

If you’re making $40,000 a year, a 1% raise would give you an extra $400 per year or $16 per paycheck. That’s not enough to blow on a new pool, but maybe you can get dinner out one night. 

But if you spend your money wisely, you could end making this pay bump worth more than you think! 

Ask Chris Any Question Now

]]> Businesses Reaping The Most Reward From Tax Cut Chris Burns - Dynamic Money Founder & Principal 00:13:28 How can your business be the most successful in this changing tax environment?  How can your business be the most successful in this changing tax environment?  money, money advice, business advice, tax cut, finances no full 88 871574b1-d22a-41ad-b4da-a36306d40db9 Could You Make More Money By Being More Harsh? "Yes, sir" and "Yes, ma'am" are great rules for most places, but the one place you don’t want to be polite is in your financial advisor’s office. In fact, your politeness could wreck your future.

Ask Any Question to More Than Money Now

]]> Mon, 14 May 2018 16:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/could-you-make-more-money-by-being-more-73254ca6 "Yes, sir" and "Yes, ma'am" are great rules for most places, but the one place you don’t want to be polite is in your financial advisor’s office. In fact, your politeness could wreck your future.

Ask Any Question to More Than Money Now

]]> Could You Make More Money By Being More Harsh? Chris Burns - Dynamic Money Founder & Principal 00:12:44 "Yes, sir" and "Yes, ma'am" are great rules for most places, but the one place you don’t want to be polite is in your financial advisor’s office. In fact, your politeness could wreck your future.  "Yes, sir" and "Yes, ma'am" are great rules for most places, but the one place you don’t want to be polite is in your financial advisor’s office. In fact, your politeness could wreck your future.  make more money, financial advisor, financial advice no full 87 22ad42d1-46dc-428f-99c0-0b7e805bf715 Why You Need To Invest in This Down Market Instead of hopping on and off this market timing treadmill, buying and selling with no real plan other than your intuition, you should make a plan that can actually help you and your money. 

You know that no matter what the headlines say, you can handle the changes coming your way. When is it time to get off the market timing treadmill and set a plan for the long-term?

Ask Chris Any Question Now


Contact More Than Money

]]> Mon, 7 May 2018 17:00:00 +0000 alanmcnaron@gmail.com (Chris Burns) https://morethanmoney.simplecast.com/episodes/why-you-need-to-invest-in-this-down-21f0ee77 Instead of hopping on and off this market timing treadmill, buying and selling with no real plan other than your intuition, you should make a plan that can actually help you and your money. 

You know that no matter what the headlines say, you can handle the changes coming your way. When is it time to get off the market timing treadmill and set a plan for the long-term?

Ask Chris Any Question Now


Contact More Than Money

]]> Why You Need To Invest in This Down Market Chris Burns 00:16:09 The DOW and S&P have dropped for the second week in a row! Why is this happening and what should you do?!? Peace is possible and too many people are seeking growth and stability the wrong way. The DOW and S&P have dropped for the second week in a row! Why is this happening and what should you do?!? Peace is possible and too many people are seeking growth and stability the wrong way. market timing, money, market, down market, money advice, investments, invest no full 91 b2ab5aa3-624e-43af-b2dd-d33266504954 Are You Wise Enough To Ignore Returns Now? My Advice A question often comes up with clients when they come in. They want to know “What is the best way to invest for retirement and how much growth they should expect?” They don’t always like my answer. Fri, 4 May 2018 05:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/are-you-wise-enough-to-ignore-returns-f6dd9b7b Are You Wise Enough To Ignore Returns Now? My Advice Chris Burns - Dynamic Money Founder & Principal 00:19:36 A question often comes up with clients when they come in. They want to know “What is the best way to invest for retirement and how much growth they should expect?” They don’t always like my answer. A question often comes up with clients when they come in. They want to know “What is the best way to invest for retirement and how much growth they should expect?” They don’t always like my answer. get money advice, reach retirement, wealth, market climate, retirement dreams no full 86 d32ddd0c-3c21-4ea8-97e8-d073b05329af Fear-Based Financial Planning Versus Life In True Peace Fear sells. Let's talk about the complex relationships between fear, anxiety, and financial peace. I'll share a couple of stories. Wed, 2 May 2018 05:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Dynamic Money Founder & Principal) https://morethanmoney.simplecast.com/episodes/fear-based-financial-planning-versus-0edeac66 Fear-Based Financial Planning Versus Life In True Peace Chris Burns - Dynamic Money Founder & Principal 00:18:47 Fear sells. Let's talk about the complex relationships between fear, anxiety, and financial peace. I'll share a couple of stories. Fear sells. Let's talk about the complex relationships between fear, anxiety, and financial peace. I'll share a couple of stories. fear, quality of life, money planning, get financial peace, financial principles no full 85 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:5ae66e7daa4a99e142198bc8 The Basics of the Treasury Yield & Why It's a Big Deal

The 10-Year Treasury Yield crossed 3% for the first time in four years. The treasury yield is a dense and complicated financial issue. It can be difficult for those outside of the financial world to understand what it means. Even articles designed to teach people about the treasury yield can be confusing. But this recent development will have an impact on you and your future.

as the treasury yield rises, you’ll get more money back from your bond.png

Here are the basics of what you need to know:

  • A 10-year bond is a loan given to a company or to the government, which we call the treasury.
  • This is in contrast to stock, which is buying ownership in a company.
  • Your yield is what the return you receive on your bond after the effects of inflation.

So as the treasury yield rises, you’ll get more money back from your bond, which is an excellent low-risk investment option compared to stocks.

How Does The Treasure Yield Affect Me?

The 10-year treasury yields directly impact mortgage rates. It’s possible the yield will dip back down, but if it stays above 3% and keeps climbing, that means mortgage rates will also go up.

If you’re looking for a home now, you know, the current fixed rates are at an all-time low. There haven’t been better rates than this since the 1950s. But we can expect this to last forever and the rise of treasury yield indicates things could be changing soon.

My main concern with increased mortgage rates is that as fixed rate mortgage rates increase, more people will be tempted to choose Adjustable Rate Mortgages.

With an Adjustable Rate Mortgage, or ARM, you receive an introductory rate at a fixed level for a certain number of years, traditionally five years, and then this rate will jump.

Is An ARM The Right Choice For Me?

5-year ARMs are attractive because you get low interest up front, letting you purchase a better home with less money. But since the rate after those years is usually increasing exponentially and will be unpredictable, this is really only a good idea if you’re sure you’ll be out of that house within the first five years.

The problem is you have no idea what will happen in those five years. People have all sorts of plans for their future, they plan to get a promotion or raise in the next few years, they plan to have kids, they plan to move to another city, but plans fall through all the time.

Then you’re stuck with a high-interest mortgage until you can get out, which may take longer than you’re able to support.

This is a difficult financial situation to be in and is more common than you may think. This is why I’m always cautious to recommend ARMs to my clients.

ARM’s are too risky for the average homeowner, especially when the current fixed mortgage rates are so low. It’s almost always better to get a higher-rate mortgage at a fixed rate than an adjustable rate. Why would you want to take any added risk?

I recently got a text from my dad, which shared with me that his Adjustable Rate Mortgage in 1981 was 15.5%, which means the fixed mortgage rate was even higher. But we have it so good right now! You can get a fixed mortgage anywhere from 3% to 5%. It’s an amazing time to buy a home, but even as things change in the future, it’s important to make decisions that are best for your future, not just for right now.

That’s where I can help!  First I would love to answer your questions about anything related to your financial prosperity and quality of life. Secondly, our team enjoys helping you find the best mortgage loans and giving you the peace of mind that you can handle your loans in the long-term, regardless of how the world changes around you. We can help.

Subscribe To Our PodcastLearn How To Plan For The Long Term

]]> Mon, 30 Apr 2018 09:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planner In Atlanta Focused on Leading Clients to Grow Their Wealth & Better Their Quality of Life) https://morethanmoney.simplecast.com/episodes/the-basics-of-the-treasury-yield-why-its-63779a80

The 10-Year Treasury Yield crossed 3% for the first time in four years. The treasury yield is a dense and complicated financial issue. It can be difficult for those outside of the financial world to understand what it means. Even articles designed to teach people about the treasury yield can be confusing. But this recent development will have an impact on you and your future.

as the treasury yield rises, you’ll get more money back from your bond.png

Here are the basics of what you need to know:

  • A 10-year bond is a loan given to a company or to the government, which we call the treasury.
  • This is in contrast to stock, which is buying ownership in a company.
  • Your yield is what the return you receive on your bond after the effects of inflation.

So as the treasury yield rises, you’ll get more money back from your bond, which is an excellent low-risk investment option compared to stocks.

How Does The Treasure Yield Affect Me?

The 10-year treasury yields directly impact mortgage rates. It’s possible the yield will dip back down, but if it stays above 3% and keeps climbing, that means mortgage rates will also go up.

If you’re looking for a home now, you know, the current fixed rates are at an all-time low. There haven’t been better rates than this since the 1950s. But we can expect this to last forever and the rise of treasury yield indicates things could be changing soon.

My main concern with increased mortgage rates is that as fixed rate mortgage rates increase, more people will be tempted to choose Adjustable Rate Mortgages.

With an Adjustable Rate Mortgage, or ARM, you receive an introductory rate at a fixed level for a certain number of years, traditionally five years, and then this rate will jump.

Is An ARM The Right Choice For Me?

5-year ARMs are attractive because you get low interest up front, letting you purchase a better home with less money. But since the rate after those years is usually increasing exponentially and will be unpredictable, this is really only a good idea if you’re sure you’ll be out of that house within the first five years.

The problem is you have no idea what will happen in those five years. People have all sorts of plans for their future, they plan to get a promotion or raise in the next few years, they plan to have kids, they plan to move to another city, but plans fall through all the time.

Then you’re stuck with a high-interest mortgage until you can get out, which may take longer than you’re able to support.

This is a difficult financial situation to be in and is more common than you may think. This is why I’m always cautious to recommend ARMs to my clients.

ARM’s are too risky for the average homeowner, especially when the current fixed mortgage rates are so low. It’s almost always better to get a higher-rate mortgage at a fixed rate than an adjustable rate. Why would you want to take any added risk?

I recently got a text from my dad, which shared with me that his Adjustable Rate Mortgage in 1981 was 15.5%, which means the fixed mortgage rate was even higher. But we have it so good right now! You can get a fixed mortgage anywhere from 3% to 5%. It’s an amazing time to buy a home, but even as things change in the future, it’s important to make decisions that are best for your future, not just for right now.

That’s where I can help!  First I would love to answer your questions about anything related to your financial prosperity and quality of life. Secondly, our team enjoys helping you find the best mortgage loans and giving you the peace of mind that you can handle your loans in the long-term, regardless of how the world changes around you. We can help.

Subscribe To Our PodcastLearn How To Plan For The Long Term

]]> The Basics of the Treasury Yield & Why It's a Big Deal Chris Burns - Financial Planner In Atlanta Focused on Leading Clients to Grow Their Wealth & Better Their Quality of Life 00:12:44 The 10-year treasury yields directly impact mortgage rates. If you’re looking for a home now, you need to know the basics and what could be coming… The 10-year treasury yields directly impact mortgage rates. If you’re looking for a home now, you need to know the basics and what could be coming… no full 84 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:5ad605688a922db75f07f4c8 Mike Sims -- A Much-Needed Banking Solution Built On Relationships (Vinings Bank) Mike Sims_MTMInterview1.png

Mike Sims, Executive Vice President of Vinings Bank, has decades of business banking experience that lead him to understand its history, what is important for a strong financial future, and most importantly how a relationship can tell you more about a person than only a set of numbers and data. Enter Vinings Bank.

Vinings Bank started at a difficult time to succeed in 2007, but still, today is enabling many small to medium-sized businesses and business owners to succeed in reaching their dreams.
 

If you've listened to the show much you've heard my long list of frustrations with big banks and this conversation is a timely breath of fresh air if you feel unknown or undervalued by your current banking partner. 

 

In this podcast interview, you will hear:

  • The HUGE difference between community bank solutions and big bank processes.
  • Mike's approach to offering capital and what his "red flags" may be.
  • A better option for families, businesses, and business owners making less than $75 - $100 million.
  • A radically simple approach to banking rooted in understanding its partners.
    Listen on the More Than Money Apple Podcast

P.S. Vinings Bank doesn't charge overdraft fees. Holy cow! This is just unheard of in today's banking world. I love how differently they do things for the betterment of its partners.

Mike Sims_MTMInterview2.png

Interview Highlights

  • Mike's Journey That Equipped Him To Lead Vinings Bank (Listen in at 5:00)

The Birthing of Vinings Bank In An Impossible Time & How It Changed Everything (Listen in at 15:00)

A Risk Profile That Considers Heart & Passion As Well As Financials  (Listen in at 24:00)

The Unique Differences of Vinings Bank (Listen in at 28:00)

The Most Important Factor Vinings Bank and Mike Sims Look For When Providing Capital (Listen in at 34:30)

The BIGGEST Banking Mistake Made By Entrepreneurs (Listen in at 42:45)

A Partner's Dream and Grandma's Secret Cookie Receipt (Listen in at 47:00)

Chris' Favorite Two Questions He ALWAYS Asks (Listen in at 54:30)
 

Key Quotes

 

"Many of my clients are business owners or dream of starting a business. They would love to hear this!"

 

"We're a commercial bank, but we want to serve small, medium-sized businesses with a team of people with really BIG skills sets."

 

"Most businesses struggle with their relationships with their banks because they don't know how to talk with their banks."

 

"Unfortunately, larger banks are tightening things up and keeping their staff conservative in practice. Where smaller institutions are still regulated but more flexibility to have meaningful conversations."

 

"We don't charge fees and prefer to make money on your deposits. We can't make money if you're unhappy and go somewhere else, so we fight to keep our partnerships happy."

 

Ask Any Question to More Than Money or Lindsey Turner Ask Any Question to More Than Money or Mike Sims

            Email Address <span>*</span>
            
            
          
        

        

        

        

        

        

        

        

        

        

        

        

        

        

        

    

        

        

        

        
          
            Question <span>*</span>
            
            
          
        

        

        

        

        

        

        

        

        

        

        

        

        

        

        

        

    

    

  

  

  
  
    
  
  

  <p>Thank you! We will follow up with you shortly.</p>

 

This Interview Is Part of Our More Than Money Conversation Series

 

 

We are financial planners, but we don't believe money will solve the issues people often believe it will. Put simply: More money isn't the best answer to a fulfilling life.

 

While we are absolutely interested in the financial success of our clients and growing their wealth, we believe we have failed as an organization if we have not equally led them to a more fulfilled life.

A better quality of living is so much more than excess of wealth and Mike/Vinings Bank similarly believe dreams, passion, and relationship are tells of your success more so than your balance sheet P&L statement. We invited Mike to share more about a community banking solution and just love how the conversation erupted to be something relevant for our audience to question if they are getting the best care they could receive.

We believe in "quality of life".

It is one of the greatest joys of our business to meet with clients, hear their dreams, and then see them live out a plan to achieve their goals.

We are More Than Money because we believe in you enjoying your life AND growing your wealth.

This interview hopefully reminds you to find a banker who asks questions and a bank that learns about what your money does for you, not only how much you have.

 

It's Vital To Have Meaningful Conversations

  • Think you would be a good fit for a More Than Money interview? Know someone who would have something to share?
  • Want to discuss your story and find a better quality of life in financial confidence?
  • Have something inspiring that is impacting others?

Let's talk. More Than Money exists for you and responds to all inquiries through our contact page.

Contact More Than Money 

_Thank you so much for your time and insight, Mike! _

]]> Wed, 18 Apr 2018 09:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/mike-sims-a-much-needed-banking-solution-2f347e37 Mike Sims_MTMInterview1.png

Mike Sims, Executive Vice President of Vinings Bank, has decades of business banking experience that lead him to understand its history, what is important for a strong financial future, and most importantly how a relationship can tell you more about a person than only a set of numbers and data. Enter Vinings Bank.

Vinings Bank started at a difficult time to succeed in 2007, but still, today is enabling many small to medium-sized businesses and business owners to succeed in reaching their dreams.
 

If you've listened to the show much you've heard my long list of frustrations with big banks and this conversation is a timely breath of fresh air if you feel unknown or undervalued by your current banking partner. 

 

In this podcast interview, you will hear:

  • The HUGE difference between community bank solutions and big bank processes.
  • Mike's approach to offering capital and what his "red flags" may be.
  • A better option for families, businesses, and business owners making less than $75 - $100 million.
  • A radically simple approach to banking rooted in understanding its partners.
    Listen on the More Than Money Apple Podcast

P.S. Vinings Bank doesn't charge overdraft fees. Holy cow! This is just unheard of in today's banking world. I love how differently they do things for the betterment of its partners.

Mike Sims_MTMInterview2.png

Interview Highlights

  • Mike's Journey That Equipped Him To Lead Vinings Bank (Listen in at 5:00)

The Birthing of Vinings Bank In An Impossible Time & How It Changed Everything (Listen in at 15:00)

A Risk Profile That Considers Heart & Passion As Well As Financials  (Listen in at 24:00)

The Unique Differences of Vinings Bank (Listen in at 28:00)

The Most Important Factor Vinings Bank and Mike Sims Look For When Providing Capital (Listen in at 34:30)

The BIGGEST Banking Mistake Made By Entrepreneurs (Listen in at 42:45)

A Partner's Dream and Grandma's Secret Cookie Receipt (Listen in at 47:00)

Chris' Favorite Two Questions He ALWAYS Asks (Listen in at 54:30)
 

Key Quotes

 

"Many of my clients are business owners or dream of starting a business. They would love to hear this!"

 

"We're a commercial bank, but we want to serve small, medium-sized businesses with a team of people with really BIG skills sets."

 

"Most businesses struggle with their relationships with their banks because they don't know how to talk with their banks."

 

"Unfortunately, larger banks are tightening things up and keeping their staff conservative in practice. Where smaller institutions are still regulated but more flexibility to have meaningful conversations."

 

"We don't charge fees and prefer to make money on your deposits. We can't make money if you're unhappy and go somewhere else, so we fight to keep our partnerships happy."

 

Ask Any Question to More Than Money or Lindsey Turner Ask Any Question to More Than Money or Mike Sims

            Email Address <span>*</span>
            
            
          
        

        

        

        

        

        

        

        

        

        

        

        

        

        

        

    

        

        

        

        
          
            Question <span>*</span>
            
            
          
        

        

        

        

        

        

        

        

        

        

        

        

        

        

        

        

    

    

  

  

  
  
    
  
  

  <p>Thank you! We will follow up with you shortly.</p>

 

This Interview Is Part of Our More Than Money Conversation Series

 

 

We are financial planners, but we don't believe money will solve the issues people often believe it will. Put simply: More money isn't the best answer to a fulfilling life.

 

While we are absolutely interested in the financial success of our clients and growing their wealth, we believe we have failed as an organization if we have not equally led them to a more fulfilled life.

A better quality of living is so much more than excess of wealth and Mike/Vinings Bank similarly believe dreams, passion, and relationship are tells of your success more so than your balance sheet P&L statement. We invited Mike to share more about a community banking solution and just love how the conversation erupted to be something relevant for our audience to question if they are getting the best care they could receive.

We believe in "quality of life".

It is one of the greatest joys of our business to meet with clients, hear their dreams, and then see them live out a plan to achieve their goals.

We are More Than Money because we believe in you enjoying your life AND growing your wealth.

This interview hopefully reminds you to find a banker who asks questions and a bank that learns about what your money does for you, not only how much you have.

 

It's Vital To Have Meaningful Conversations

  • Think you would be a good fit for a More Than Money interview? Know someone who would have something to share?
  • Want to discuss your story and find a better quality of life in financial confidence?
  • Have something inspiring that is impacting others?

Let's talk. More Than Money exists for you and responds to all inquiries through our contact page.

Contact More Than Money 

_Thank you so much for your time and insight, Mike! _

]]> Mike Sims -- A Much-Needed Banking Solution Built On Relationships (Vinings Bank) Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 01:04:31 Vinings Bank is the answer to my frustration in banking! Every entrepreneur and small- to medium-sized business owner needs to realize that holding your money should be considered a privilege. Listen and hear what better banking looks like. Vinings Bank is the answer to my frustration in banking! Every entrepreneur and small- to medium-sized business owner needs to realize that holding your money should be considered a privilege. Listen and hear what better banking looks like. no full 97 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:5ac8fd4f562fa799824ecd00 How This Trade War Could Ruin Your Retirement

First, the president declares tariffs on Chinese goods. Then, China retaliates with tariffs of their own. Unless something changes, we could be in for a huge trade war. This will have a definite impact on business owners in America, especially farmers in the Mid-West who export to China. But, did you know this trade war could also devastate your retirement plans? 

If you're like me and watch the news regularly, you've seen a lot about the recent tariffs the United States has placed on China and the resulting fall out. These tariffs and the reciprocal treatment from China will have a definite impact on our economy, but probably not for the better. So why is this happening?

Part of the reason the president has implemented these tariffs is because of what he calls a "Trade deficit." This essential means we send more money to China in exchange for their goods than they send to us. We spend around $500 billion per year on Chinese goods and China only spends $100 billion on our goods. That's a big difference! But the affect of the tariffs could hurt Americans much more than any trade deficit that may exist and the reason is simple: it's wreaking havoc with our stock market.

Unpredictable Politics Brings Market Volatility

Our children deserve to be as prepared for the real world after school as possible. (1).png

You probably know this already, but the market is fickle. It doesn't follow rules or patterns. Instead, it's controlled by the people who buy and sell into it, and one of the biggest influence on how people buy and sell is the state of the economy. For the last nine years, our economy, on a whole, has been excellent. We're at the end of a nine year bull market and even with some of the stress earlier this year, we haven't seen a significant drop so far. **Imagine, though, how that may change as tariffs from the US and from China affect businesses and the cost of goods we already use. It doesn't look good does it? **

Even the threat of this trade war has been causing swings in the market in the past week. You may not think that these tariffs will have any affect on you, even if you are a business owner, but the dramatic changes its causing definitely will! 

If you're young, single or newlywed, with no kids, and just beginning to invest, market volatility isn't too bad. It can be stressful but you know you have plenty of time to recover if things turn south. These market swings we've seen recently allow you to easily buy in at a low price, stay in, and later sell with an excellent profit in little time.  

However, if you're close to retirement and you're heavily invested, you are taking a huge risk. If the majority of your retirement income is dependent on how the market is performing, the trade war and resulting volatility could destroy your plans for the future.  To put it simply: your risk level is too aggressive.

Ignorance Is NOT Bliss: Know Your Risk

The best way to ruin your chance at retirement is not understanding your level of risk..png

More than anything else you read today, remember this: The best way to ruin your chance at retirement is not understanding your level of risk. 

I have a perfect example of this through some new clients of mine. They have saved admirably and are within only two or three years of retirement. They’re definitely ready but didn’t have any guaranteed income beyond social security. 

This isn’t an unusual position to be in anymore, as pension aren’t as common. This is the norm for most of my clients and it’s what I call a market-driven retirement plan. On the surface, it’s a great plan too.

So what was the problem? 

90% of their funds were in equities. 

This is a very aggressive investment plan. 

When I told them this, they didn’t understand. They said they’d had great results in the last few years, so it couldn’t have been too bad. But your risk level is NOT determined by how well your portfolio has performed. Everyone’s portfolio has done well in the last few years because we’ve had an amazing market. 

Your risk level is determined by the percentage of your income that’s dependent on the market. 

How Low Can You Go? Fix Your Risk Level

To really illustrate to this couple how much potential danger their retirement was in, we created a few different future scenarios for them based on their current plan. 

if there was even one significant drop in the market, it would devastate them..png

If everything went as they envisioned and the market continued to grow, they were going to get a solid return for the next few years. They’d be in a great position with plenty of money available to them. 

However, if there was even one significant drop in the market, like the potential drop we can expect is these tariffs go through, it would devastate them. 

All the work they had done over their careers and the excellent savings they’d contributed to would be completely ruined and so would their retirement. 

When it comes down to it, they were too aggressively invested and weren't thinking about the potential dangers of their investments. **They were leaving themselves exposed and didn’t even realize it! **

The good news is, caught this problem in time and could fix it. 

The answer wasn’t that they shouldn't invest at all. Everyone should. It’s just important to know what level of risk your portfolio can handle. 

So, we discussed how much money they were willing to potentially lose through their investments and decide on a level of risk they were most comfortable with from there. **Now, they can continue to invest with peace of mind for their retirement. **

Do you think you’re an aggressive investor? If your answer is no, you’re probably wrong. Make sure you’re not needlessly exposing yourself and ruining your chance at retirement due to political forces outside of your control. Sign up for a free consultation and we'll take a good look at your complete portfolio to help you tangibly see your level of risk. We’ll make sure you have a plan to expect market volatility without risking your future. 

Listen To Past PodcastsFind Out Your Risk Level

]]> Wed, 11 Apr 2018 09:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/how-this-trade-war-could-ruin-your-2805c881

First, the president declares tariffs on Chinese goods. Then, China retaliates with tariffs of their own. Unless something changes, we could be in for a huge trade war. This will have a definite impact on business owners in America, especially farmers in the Mid-West who export to China. But, did you know this trade war could also devastate your retirement plans? 

If you're like me and watch the news regularly, you've seen a lot about the recent tariffs the United States has placed on China and the resulting fall out. These tariffs and the reciprocal treatment from China will have a definite impact on our economy, but probably not for the better. So why is this happening?

Part of the reason the president has implemented these tariffs is because of what he calls a "Trade deficit." This essential means we send more money to China in exchange for their goods than they send to us. We spend around $500 billion per year on Chinese goods and China only spends $100 billion on our goods. That's a big difference! But the affect of the tariffs could hurt Americans much more than any trade deficit that may exist and the reason is simple: it's wreaking havoc with our stock market.

Unpredictable Politics Brings Market Volatility

Our children deserve to be as prepared for the real world after school as possible. (1).png

You probably know this already, but the market is fickle. It doesn't follow rules or patterns. Instead, it's controlled by the people who buy and sell into it, and one of the biggest influence on how people buy and sell is the state of the economy. For the last nine years, our economy, on a whole, has been excellent. We're at the end of a nine year bull market and even with some of the stress earlier this year, we haven't seen a significant drop so far. **Imagine, though, how that may change as tariffs from the US and from China affect businesses and the cost of goods we already use. It doesn't look good does it? **

Even the threat of this trade war has been causing swings in the market in the past week. You may not think that these tariffs will have any affect on you, even if you are a business owner, but the dramatic changes its causing definitely will! 

If you're young, single or newlywed, with no kids, and just beginning to invest, market volatility isn't too bad. It can be stressful but you know you have plenty of time to recover if things turn south. These market swings we've seen recently allow you to easily buy in at a low price, stay in, and later sell with an excellent profit in little time.  

However, if you're close to retirement and you're heavily invested, you are taking a huge risk. If the majority of your retirement income is dependent on how the market is performing, the trade war and resulting volatility could destroy your plans for the future.  To put it simply: your risk level is too aggressive.

Ignorance Is NOT Bliss: Know Your Risk

The best way to ruin your chance at retirement is not understanding your level of risk..png

More than anything else you read today, remember this: The best way to ruin your chance at retirement is not understanding your level of risk. 

I have a perfect example of this through some new clients of mine. They have saved admirably and are within only two or three years of retirement. They’re definitely ready but didn’t have any guaranteed income beyond social security. 

This isn’t an unusual position to be in anymore, as pension aren’t as common. This is the norm for most of my clients and it’s what I call a market-driven retirement plan. On the surface, it’s a great plan too.

So what was the problem? 

90% of their funds were in equities. 

This is a very aggressive investment plan. 

When I told them this, they didn’t understand. They said they’d had great results in the last few years, so it couldn’t have been too bad. But your risk level is NOT determined by how well your portfolio has performed. Everyone’s portfolio has done well in the last few years because we’ve had an amazing market. 

Your risk level is determined by the percentage of your income that’s dependent on the market. 

How Low Can You Go? Fix Your Risk Level

To really illustrate to this couple how much potential danger their retirement was in, we created a few different future scenarios for them based on their current plan. 

if there was even one significant drop in the market, it would devastate them..png

If everything went as they envisioned and the market continued to grow, they were going to get a solid return for the next few years. They’d be in a great position with plenty of money available to them. 

However, if there was even one significant drop in the market, like the potential drop we can expect is these tariffs go through, it would devastate them. 

All the work they had done over their careers and the excellent savings they’d contributed to would be completely ruined and so would their retirement. 

When it comes down to it, they were too aggressively invested and weren't thinking about the potential dangers of their investments. **They were leaving themselves exposed and didn’t even realize it! **

The good news is, caught this problem in time and could fix it. 

The answer wasn’t that they shouldn't invest at all. Everyone should. It’s just important to know what level of risk your portfolio can handle. 

So, we discussed how much money they were willing to potentially lose through their investments and decide on a level of risk they were most comfortable with from there. **Now, they can continue to invest with peace of mind for their retirement. **

Do you think you’re an aggressive investor? If your answer is no, you’re probably wrong. Make sure you’re not needlessly exposing yourself and ruining your chance at retirement due to political forces outside of your control. Sign up for a free consultation and we'll take a good look at your complete portfolio to help you tangibly see your level of risk. We’ll make sure you have a plan to expect market volatility without risking your future. 

Listen To Past PodcastsFind Out Your Risk Level

]]> How This Trade War Could Ruin Your Retirement Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:27:27 When people come into my office, they have lots of concerns about their retirement, but they're rarely worried about the thing happening RIGHT NOW that could cripple their retirement plans. When people come into my office, they have lots of concerns about their retirement, but they're rarely worried about the thing happening RIGHT NOW that could cripple their retirement plans. no full 96 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:5ac8fe770e2e72f4e57e6dab The Best Thing You Can Do To Prepare Children Financially

The longer I’m in the financial planning business, the more I realize how important it is to talk to our children about money. And not just our children, but our grandchildren, our pre-teens, our teens, our college students. It’s important for people of every age to understand the value of money and the reality of spending. Sharing some of the tips we have below can have a huge impact on how your children live later in life. 

I have a diverse group of clients. Some of them are older couples close to retirement, but many of them are also young people, just out of college and starting their careers. **When I sit down with new clients, especially my younger clients, I can always tell whose parents talked to them about money and whose didn’t. **

There is some instinctual fear about talking to our children about the intimate and reveal parts of our life, but being open and honest about these topics can have a lasting effect on their futures.

Money and sex are the two most important things we should teach our children to help them be successful adults, but they are also the things we avoid the most.

Teach Your Children The Value Of A Dollar Now So They Have The Build A Strong Perspective

I recently had a young woman call me, she was the daughter of a long-time client I work with. She had just finished college and her parents asked me to help answer some questions she had about her future. The first thing she wanted to know is how much she should ask for her salary in her first job. 

If you don’t understand what your dollar can buy, you don’t know how to value it..png

I said, “That depends. How much money do you need to live on your own?” She said, “I don’t know.”

I asked, “How much do apartments cost in your area?” She said, “I don’t know.”

I asked, “How much would food cost in your area?” She said, “I don’t know.”

This is the sign of a HUGE problem! And it started a decade ago.

If you don’t understand what your dollar can buy, you don’t know how to value it. 

How can we help our children learn the value of the dollar before they get themselves in trouble? It’s not as hard as you think. 

Start to help your kids understand the value of a dollar by being honest and transparent with them about your household finances. Tell them what you make. Tell them what your groceries cost.

A simple practice you can begin today is to show them your receipts at check out when they are with you and help them start to see the actual numbers associated with your quality of life.
 

An Unforgettable Exercise You Need To Do With Your Family This Month

**Everyone should try this with their family to really show your children how your expenses work. **

1. Take enough cash out of the bank to demonstrate how much money in hard, dollar bills, you make per month before taxes and bills are taken out.

Put this money on your dining room table and let everyone get a good look. 

AHHH!! I GET SO EXCITED ABOUT THIS!!!!

 

2. Then begin to physically show how your expenses are taken out and where your money is dispersed.

Show how much is immediately taken out of your paycheck for taxes. 

Show how much is taken out for your health insurance. 

Show your grocery bill. 

Show your utilities bills. 

Show your credit card payments. 

 

Let your children visually see how little money you really get to keep from your paycheck. 

I promise you this will be something they will always remember, and it won't be just a typical talk about learning to budget that goes over their head.

 

Now, Please Throw The Old Rule Book Out The Window

This attitude of being afraid to talk about money, even with our own family members, is deeply ingrained in our culture and I don’t understand why..png

This attitude of being afraid to talk about money, even with our own family members, is deeply ingrained in our culture and I don’t understand why. Why shouldn’t your kids see how much money you make?

Sure, they could brag about it to their friends. That’s a conversation you need to have with them. But, I believe, this risk is worth it for the benefit of your children understanding how much money they truly need to live. 

We need to get rid of these silly rules that say we need to hide money from our children. When you go to the grocery store, show your family the receipt.  If you have debt, show your children your balance and your growing interest.  If you make a mistake in your financial planning, admit it and show them the effect it has on your household. 

Imagine how much your children can learn from these everyday occurrences. It’s invaluable! 

But so many people will shy away from these opportunities, just because of these “rules” they have about how you should act with your children. The problem is it’s crippling their children’s future. 

Forget The Piggy Bank, Try The Green Light Card

This is a product I learned about recently and I think it’s an amazing financial teaching tool for families. The Green Light Card is a debit card you can give to your children and completely control in a while most banks don’t allow. 

Instead of just giving your children an allowance that they can spend wherever and however they want, you can put money on this card and control where they spend their money and how much of it they can spend. 

Our children deserve to be as prepared for the real world after school as possible..png

For example, you can say that you child is allowed to spend $15 per month at Starbucks. Or you can say they are allowed to shop at Old Navy and Target, but not H&M and more expensive places. 

Even more amazing, is you can apply interest to your children’s card so they can be better prepared for the effects interest have on loans they’ll have to take out in the future. 

Our children deserve to be as prepared for the real world after school as possible. Sure, there will be challenges and problems, but teaching them the value of money and investments will help them truly understand what they need to be successful. A big part of this is financial planning.

If you’ve never had a planning session before, you can sign up for a free consultation with us and bring your family with you. It may be scary to show them the deep and darker parts of your life, but learning through you will have a dramatic impact on them in the future. 

Man, I love this topic and watching the next generation begin to prepare for a better quality of life!

 
Learn What More Than Money Can Do For Your familySign Up For A Financial Planning Session 

]]> Mon, 9 Apr 2018 09:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/the-best-thing-you-can-do-to-prepare-74aab22f

The longer I’m in the financial planning business, the more I realize how important it is to talk to our children about money. And not just our children, but our grandchildren, our pre-teens, our teens, our college students. It’s important for people of every age to understand the value of money and the reality of spending. Sharing some of the tips we have below can have a huge impact on how your children live later in life. 

I have a diverse group of clients. Some of them are older couples close to retirement, but many of them are also young people, just out of college and starting their careers. **When I sit down with new clients, especially my younger clients, I can always tell whose parents talked to them about money and whose didn’t. **

There is some instinctual fear about talking to our children about the intimate and reveal parts of our life, but being open and honest about these topics can have a lasting effect on their futures.

Money and sex are the two most important things we should teach our children to help them be successful adults, but they are also the things we avoid the most.

Teach Your Children The Value Of A Dollar Now So They Have The Build A Strong Perspective

I recently had a young woman call me, she was the daughter of a long-time client I work with. She had just finished college and her parents asked me to help answer some questions she had about her future. The first thing she wanted to know is how much she should ask for her salary in her first job. 

If you don’t understand what your dollar can buy, you don’t know how to value it..png

I said, “That depends. How much money do you need to live on your own?” She said, “I don’t know.”

I asked, “How much do apartments cost in your area?” She said, “I don’t know.”

I asked, “How much would food cost in your area?” She said, “I don’t know.”

This is the sign of a HUGE problem! And it started a decade ago.

If you don’t understand what your dollar can buy, you don’t know how to value it. 

How can we help our children learn the value of the dollar before they get themselves in trouble? It’s not as hard as you think. 

Start to help your kids understand the value of a dollar by being honest and transparent with them about your household finances. Tell them what you make. Tell them what your groceries cost.

A simple practice you can begin today is to show them your receipts at check out when they are with you and help them start to see the actual numbers associated with your quality of life.
 

An Unforgettable Exercise You Need To Do With Your Family This Month

**Everyone should try this with their family to really show your children how your expenses work. **

1. Take enough cash out of the bank to demonstrate how much money in hard, dollar bills, you make per month before taxes and bills are taken out.

Put this money on your dining room table and let everyone get a good look. 

AHHH!! I GET SO EXCITED ABOUT THIS!!!!

 

2. Then begin to physically show how your expenses are taken out and where your money is dispersed.

Show how much is immediately taken out of your paycheck for taxes. 

Show how much is taken out for your health insurance. 

Show your grocery bill. 

Show your utilities bills. 

Show your credit card payments. 

 

Let your children visually see how little money you really get to keep from your paycheck. 

I promise you this will be something they will always remember, and it won't be just a typical talk about learning to budget that goes over their head.

 

Now, Please Throw The Old Rule Book Out The Window

This attitude of being afraid to talk about money, even with our own family members, is deeply ingrained in our culture and I don’t understand why..png

This attitude of being afraid to talk about money, even with our own family members, is deeply ingrained in our culture and I don’t understand why. Why shouldn’t your kids see how much money you make?

Sure, they could brag about it to their friends. That’s a conversation you need to have with them. But, I believe, this risk is worth it for the benefit of your children understanding how much money they truly need to live. 

We need to get rid of these silly rules that say we need to hide money from our children. When you go to the grocery store, show your family the receipt.  If you have debt, show your children your balance and your growing interest.  If you make a mistake in your financial planning, admit it and show them the effect it has on your household. 

Imagine how much your children can learn from these everyday occurrences. It’s invaluable! 

But so many people will shy away from these opportunities, just because of these “rules” they have about how you should act with your children. The problem is it’s crippling their children’s future. 

Forget The Piggy Bank, Try The Green Light Card

This is a product I learned about recently and I think it’s an amazing financial teaching tool for families. The Green Light Card is a debit card you can give to your children and completely control in a while most banks don’t allow. 

Instead of just giving your children an allowance that they can spend wherever and however they want, you can put money on this card and control where they spend their money and how much of it they can spend. 

Our children deserve to be as prepared for the real world after school as possible..png

For example, you can say that you child is allowed to spend $15 per month at Starbucks. Or you can say they are allowed to shop at Old Navy and Target, but not H&M and more expensive places. 

Even more amazing, is you can apply interest to your children’s card so they can be better prepared for the effects interest have on loans they’ll have to take out in the future. 

Our children deserve to be as prepared for the real world after school as possible. Sure, there will be challenges and problems, but teaching them the value of money and investments will help them truly understand what they need to be successful. A big part of this is financial planning.

If you’ve never had a planning session before, you can sign up for a free consultation with us and bring your family with you. It may be scary to show them the deep and darker parts of your life, but learning through you will have a dramatic impact on them in the future. 

Man, I love this topic and watching the next generation begin to prepare for a better quality of life!

 
Learn What More Than Money Can Do For Your familySign Up For A Financial Planning Session 

]]> The Best Thing You Can Do To Prepare Children Financially Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:16:48 There is some instinctual fear about talking to our children about the intimate and reveal parts of our life, but being open and honest about these topics can have a lasting effect on their futures. There is some instinctual fear about talking to our children about the intimate and reveal parts of our life, but being open and honest about these topics can have a lasting effect on their futures. no full 95 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:5ab6b1a60e2e7291409e856d Learn From Washington's Mistakes And Make A Better Budget

A few months ago Congress has reached a 2-year budget agreement. This $1.3 trillion budget deal will make things easier for us now but pushes our national budget crisis off on future generations. This week they implemented the first part of this agreement to help keep the government open, and it goes against every piece of advice I’ve given my clients. 

The Deadly Sins Of Money: Avoidance And Denial

The budget decisions made in Washington are perfect examples of the way people avoid and deny their money problems until it’s too late. 

With a good income plan, both couples were able to have peace of mind for their retirement without being afraid of the unknown. (7).png

Avoidance involves turning a blind eye to your money problems, hoping things will go away and solve itself before it becomes an inconvenience for you. 

In our government, we can see this with the way our politicians continue to ignore government entitlement programs. **These programs, such as social security, contribute to 2/3rd of our spending, but instead of addressing the broken system, lawmakers avoid addressing it, in fear of losing their seat. **

We also see our politicians denying that we have a financial crisis in this country. When our solution to excessive debt is spending another $1.3 trillion dollars, you know we’re in denial. These agreements even ignore caps we put in years ago to prevent overspending just like this. 

It reminds me of a family in massive debt. Instead of sitting down and making the hard choices to fix their problem, they say, “Grab the credit card. We’re going to Disney World!” 

 

WARNING! Self-Reflection Ahead...

Of course, it’s easy to look at these mistakes a federal level and shake your head, but I have clients come in every day who make these same mistakes. In fact, **one of the first things people say when they come in is “I’ve been thinking about doing this for a long time.” **

With a good income plan, both couples were able to have peace of mind for their retirement without being afraid of the unknown. (8).png

Instead of just coming in and solving our problems, our first instinct is to push them to the back burner and hope they don’t come up again. It’s hard to sit down and look at your financial situation. The problem is that avoiding it just leads to more and more problems. 

Not long ago, I had clients come in. They had a great income, were close to retirement and had a lot of debt. They were also some of the sweetest clients I’d ever worked with. That made it even more difficult when I told them they wouldn’t be able to make it through retirement with their current spending habits. 

They had large monthly expenses, little assets and weren't doing enough to bring down their debt. It was definitely possible for them to be okay, but they’d have to make some big changes. I took the time to show them what sort of hard choices were coming up and the wife broke down crying. It was heartbreaking. Instead of asking questions, the husband said they had to leave and they’d be in touch.

It was clear that weren’t ready to face the reality of their financial problems. Instead, they wanted to avoid these issues, sweep them under the rug and hope they didn’t pop back up. I never heard from them again. 

 

Don't Ignore It, Fix It

On the other hand, I have another couple in a very similar situation. I told them the changes they would need to make and how hard it would be. But they didn’t run away, they actually made these changes. It took time and a lot of hard work, but they came out the other side more successful and confident. **They even told me that some of the changes they made had made their relationship happier and more enjoyable too. **

Avoidance and denial are dangerous strategies in financial planning. They create stress and anxiety, even if it gives you short-term relief. The good news is, you don’t have to hide. Set up a free consultation with us and we’ll walk you through the changes you can make to get out of debt and unhealthy spending habits. Together, we’ll make sure you get to happier and healthier financial future. 
 

Get Daily Updates And Financial AdviceStart Addressing Your Financial Problems

]]> Thu, 5 Apr 2018 09:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/learn-from-washingtons-mistakes-and-make-38c547eb

A few months ago Congress has reached a 2-year budget agreement. This $1.3 trillion budget deal will make things easier for us now but pushes our national budget crisis off on future generations. This week they implemented the first part of this agreement to help keep the government open, and it goes against every piece of advice I’ve given my clients. 

The Deadly Sins Of Money: Avoidance And Denial

The budget decisions made in Washington are perfect examples of the way people avoid and deny their money problems until it’s too late. 

With a good income plan, both couples were able to have peace of mind for their retirement without being afraid of the unknown. (7).png

Avoidance involves turning a blind eye to your money problems, hoping things will go away and solve itself before it becomes an inconvenience for you. 

In our government, we can see this with the way our politicians continue to ignore government entitlement programs. **These programs, such as social security, contribute to 2/3rd of our spending, but instead of addressing the broken system, lawmakers avoid addressing it, in fear of losing their seat. **

We also see our politicians denying that we have a financial crisis in this country. When our solution to excessive debt is spending another $1.3 trillion dollars, you know we’re in denial. These agreements even ignore caps we put in years ago to prevent overspending just like this. 

It reminds me of a family in massive debt. Instead of sitting down and making the hard choices to fix their problem, they say, “Grab the credit card. We’re going to Disney World!” 

 

WARNING! Self-Reflection Ahead...

Of course, it’s easy to look at these mistakes a federal level and shake your head, but I have clients come in every day who make these same mistakes. In fact, **one of the first things people say when they come in is “I’ve been thinking about doing this for a long time.” **

With a good income plan, both couples were able to have peace of mind for their retirement without being afraid of the unknown. (8).png

Instead of just coming in and solving our problems, our first instinct is to push them to the back burner and hope they don’t come up again. It’s hard to sit down and look at your financial situation. The problem is that avoiding it just leads to more and more problems. 

Not long ago, I had clients come in. They had a great income, were close to retirement and had a lot of debt. They were also some of the sweetest clients I’d ever worked with. That made it even more difficult when I told them they wouldn’t be able to make it through retirement with their current spending habits. 

They had large monthly expenses, little assets and weren't doing enough to bring down their debt. It was definitely possible for them to be okay, but they’d have to make some big changes. I took the time to show them what sort of hard choices were coming up and the wife broke down crying. It was heartbreaking. Instead of asking questions, the husband said they had to leave and they’d be in touch.

It was clear that weren’t ready to face the reality of their financial problems. Instead, they wanted to avoid these issues, sweep them under the rug and hope they didn’t pop back up. I never heard from them again. 

 

Don't Ignore It, Fix It

On the other hand, I have another couple in a very similar situation. I told them the changes they would need to make and how hard it would be. But they didn’t run away, they actually made these changes. It took time and a lot of hard work, but they came out the other side more successful and confident. **They even told me that some of the changes they made had made their relationship happier and more enjoyable too. **

Avoidance and denial are dangerous strategies in financial planning. They create stress and anxiety, even if it gives you short-term relief. The good news is, you don’t have to hide. Set up a free consultation with us and we’ll walk you through the changes you can make to get out of debt and unhealthy spending habits. Together, we’ll make sure you get to happier and healthier financial future. 
 

Get Daily Updates And Financial AdviceStart Addressing Your Financial Problems

]]> Learn From Washington's Mistakes And Make A Better Budget Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:20:41 The governments budget decision goes against every piece of advice I’ve given my clients. Fix it! The governments budget decision goes against every piece of advice I’ve given my clients. Fix it! no full 94 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:5ab85ca170a6ad55c66e99a0 Lindsey Turner -- Fitness, Fullness, and The Journey In Between (Personal Coach + The Transform App Ambassador) Lindsey_Turner_Interview_fitnessFulfullment_Header.png

Lindsey Turner is a certified personal trainer and coach, ambassador of The Transform App, fitness enthusiast, and promoter of self-love.

After a storied past of coaching, Lindsey faced multiple medical professionals tell him his injuries would permanently sideline him. Lindsey discovered The Transform App by Chris and Heidi Powell and how he began rebuilding his body inside and out.

 

Lindsey's journey may look like a fitness success story, but it really became a career when he first began appreciating his physical self through loving his inner self.

 

In this podcast interview, you will hear:

  • The surprising lack of satisfaction you'll find in ONLY getting in shape.
  • Lindsey's frustration with gym-timidation and how to overcome the fear.
  • How Lindsey's lowest moments now fuel him to coach others to new heights.
  • Tips for any level of fitness to set goals and make the right steps towards not only reaching their goals, but also loving yourself on the journey.
    Listen on the More Than Money Apple Podcast

P.S. We meet Lindsey long before we knew him as the amazing life and fitness coach that he is today. We featured his non-profit focused on serving families with children who have special needs, ELI Project, on WSB Radio during our 2017 Organizational Spotlight. How does he do it all?!?

Lindsey_Turner_Interview_fitnessFulfullment_Quote1.png

Interview Highlights

  • The Painful Journey of Staying In Shape for The Wrong Reasons (Listen in at 6:30)

The Picture from Hugh Hefner's Party That Changed Lindsey's Career Trajectory Forever (Listen in at 17:00)

The Discovery of An App That Works - The Transform App  (Listen in at 32:00)

The Scientific Correlation Between What We Tell Our Mind & What It Impacts Our Reality (Listen in at 49:30)

Goal Setting On What You (And Only YOU) Need (Listen in at 53:30)

Chris' Favorite Two Questions He ALWAYS Asks (Listen in at 1:09:10)
 

Key Quotes

 

"I believed that Life would become easier if I was in better shape, and that, ultimately, people would like me more."

 

"Once I could learn to love my inner self, I could then build my physical self."

 

"I'm a guy that loves to simplify decisions. That's one of the reasons I was drawn to The Transform App."

 

"I made a list of things I thought about adding to the app and then somehow ended up jumping on a call with the team who built it as I am out walking my dog!"

 

"If you save everyone around you but lose yourself, you miss the point."

 

"Don't 'should' on me."

 

"My greatest desire is to get to a point where I am 100% fulfilled not because of anything outside of myself."

 

Ask Any Question to More Than Money or Lindsey Turner Ask Any Question to More Than Money or Lindsey Turner

            Email Address <span>*</span>
            
            
          
        

        

        

        

        

        

        

        

        

        

        

        

        

        

        

    

        

        

        

        
          
            Question <span>*</span>
            
            
          
        

        

        

        

        

        

        

        

        

        

        

        

        

        

        

        

    

    

  

  

  
  
    
  
  

  <p>Thank you! We will follow up with you shortly.</p>

 

But Why Is This Interview On a Financial Advising Site?

 

We are financial planners. So, why is a financial advisor not only talking about the stock market and wise investment options? Great question.

 

While we are absolutely interested in the financial success of our clients and growing their wealth, we believe we have failed as an organization if we have not equally led them to a more fulfilled life.

A better quality of living is so much more than excess of wealth and we've witnessed too many people strive to reach their goals and ultimately feel empty. Lindsey shared how he chased success but only found satisfaction when he realigned priorities.  We want to help you create the life that allows you to invest in what you love and enjoy those who matter most.

We believe in "quality of life" and that growing your wealth for the only purposes of aCQuiring more won't lead you to feeling fulfilled.

It is one of the greatest joys of our business to meet with clients, hear their dreams, and then see them live out a plan to achieve their goals.
 

We are More Than Money because we believe in you enjoying your life AND growing your wealth.

This interview hopefully reminds you to have an honest look at why your chasing success. In our opinion, money is a tool to reaching the future that you want, but a better quality of life for you, your family, and our community can't be fully measured by the size of your bank accounts.

Lindsey_Turner_Interview_fitnessFulfullment_Image2.png

We Love Having Meaningful Conversations

  • Think you would be a good fit for a More Than Money interview? Know someone who would have something to share?
  • Want to discuss your story and find a better quality of life in financial confidence?
  • Have something inspiring that is impacting others?

Let's talk. More Than Money exists for you and responds to all inquiries through our contact page.

Contact More Than Money 

_Thank you so much for your time and honestly, Lindsey! _

]]> Fri, 30 Mar 2018 09:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/lindsey-turner-fitness-fullness-and-the-f1d71d9b Lindsey_Turner_Interview_fitnessFulfullment_Header.png

Lindsey Turner is a certified personal trainer and coach, ambassador of The Transform App, fitness enthusiast, and promoter of self-love.

After a storied past of coaching, Lindsey faced multiple medical professionals tell him his injuries would permanently sideline him. Lindsey discovered The Transform App by Chris and Heidi Powell and how he began rebuilding his body inside and out.

 

Lindsey's journey may look like a fitness success story, but it really became a career when he first began appreciating his physical self through loving his inner self.

 

In this podcast interview, you will hear:

  • The surprising lack of satisfaction you'll find in ONLY getting in shape.
  • Lindsey's frustration with gym-timidation and how to overcome the fear.
  • How Lindsey's lowest moments now fuel him to coach others to new heights.
  • Tips for any level of fitness to set goals and make the right steps towards not only reaching their goals, but also loving yourself on the journey.
    Listen on the More Than Money Apple Podcast

P.S. We meet Lindsey long before we knew him as the amazing life and fitness coach that he is today. We featured his non-profit focused on serving families with children who have special needs, ELI Project, on WSB Radio during our 2017 Organizational Spotlight. How does he do it all?!?

Lindsey_Turner_Interview_fitnessFulfullment_Quote1.png

Interview Highlights

  • The Painful Journey of Staying In Shape for The Wrong Reasons (Listen in at 6:30)

The Picture from Hugh Hefner's Party That Changed Lindsey's Career Trajectory Forever (Listen in at 17:00)

The Discovery of An App That Works - The Transform App  (Listen in at 32:00)

The Scientific Correlation Between What We Tell Our Mind & What It Impacts Our Reality (Listen in at 49:30)

Goal Setting On What You (And Only YOU) Need (Listen in at 53:30)

Chris' Favorite Two Questions He ALWAYS Asks (Listen in at 1:09:10)
 

Key Quotes

 

"I believed that Life would become easier if I was in better shape, and that, ultimately, people would like me more."

 

"Once I could learn to love my inner self, I could then build my physical self."

 

"I'm a guy that loves to simplify decisions. That's one of the reasons I was drawn to The Transform App."

 

"I made a list of things I thought about adding to the app and then somehow ended up jumping on a call with the team who built it as I am out walking my dog!"

 

"If you save everyone around you but lose yourself, you miss the point."

 

"Don't 'should' on me."

 

"My greatest desire is to get to a point where I am 100% fulfilled not because of anything outside of myself."

 

Ask Any Question to More Than Money or Lindsey Turner Ask Any Question to More Than Money or Lindsey Turner

            Email Address <span>*</span>
            
            
          
        

        

        

        

        

        

        

        

        

        

        

        

        

        

        

    

        

        

        

        
          
            Question <span>*</span>
            
            
          
        

        

        

        

        

        

        

        

        

        

        

        

        

        

        

        

    

    

  

  

  
  
    
  
  

  <p>Thank you! We will follow up with you shortly.</p>

 

But Why Is This Interview On a Financial Advising Site?

 

We are financial planners. So, why is a financial advisor not only talking about the stock market and wise investment options? Great question.

 

While we are absolutely interested in the financial success of our clients and growing their wealth, we believe we have failed as an organization if we have not equally led them to a more fulfilled life.

A better quality of living is so much more than excess of wealth and we've witnessed too many people strive to reach their goals and ultimately feel empty. Lindsey shared how he chased success but only found satisfaction when he realigned priorities.  We want to help you create the life that allows you to invest in what you love and enjoy those who matter most.

We believe in "quality of life" and that growing your wealth for the only purposes of aCQuiring more won't lead you to feeling fulfilled.

It is one of the greatest joys of our business to meet with clients, hear their dreams, and then see them live out a plan to achieve their goals.
 

We are More Than Money because we believe in you enjoying your life AND growing your wealth.

This interview hopefully reminds you to have an honest look at why your chasing success. In our opinion, money is a tool to reaching the future that you want, but a better quality of life for you, your family, and our community can't be fully measured by the size of your bank accounts.

Lindsey_Turner_Interview_fitnessFulfullment_Image2.png

We Love Having Meaningful Conversations

  • Think you would be a good fit for a More Than Money interview? Know someone who would have something to share?
  • Want to discuss your story and find a better quality of life in financial confidence?
  • Have something inspiring that is impacting others?

Let's talk. More Than Money exists for you and responds to all inquiries through our contact page.

Contact More Than Money 

_Thank you so much for your time and honestly, Lindsey! _

]]> Lindsey Turner -- Fitness, Fullness, and The Journey In Between (Personal Coach + The Transform App Ambassador) Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 01:13:32 From coaching champions to near misery and then rising up to become a personal fitness trainer, Lindsey's career of showing others how to love themselves and reach their dreams comes from incredible personal experience. From coaching champions to near misery and then rising up to become a personal fitness trainer, Lindsey's career of showing others how to love themselves and reach their dreams comes from incredible personal experience. no full 92 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:5ab6ab4588251b198c1a71e9 Your Bank Should Care About Your Money Like You Do

In 2016, the ten biggest banks in America earned 7.5 billion dollars in overdraft fees. For one bank, the money they earned in overdraft fees was 11% of their total profits for the year. Overdrafts aren’t the only way banks nickle and dime their customers, and you don’t have to put up with it. 

Listen on Apple Podcasts  With a good income plan, both couples were able to have peace of mind for their retirement without being afraid of the unknown. (4).png

Despite the many scandals that have taken place over the past few years, the largest banking institutions in the country still act as if they’re entitled to our money.

Wells Fargo just last year had a number of concerning lawsuits and violations, such as fraudulent accounts, false charges, executive abuse, but they haven’t made any changes to their fees or customer service. **You’d think they’d be wanting to lower their fees to entice more people to come back to their bank, but they really don’t seem to care. **

How much do you pay your bank every year in fees? Overdraft fees, operating fees, ATM fees, the list goes on and on. 

 

Bad Banking? You're Not Alone!

I had one client come to me because he was concerned about how much he was paying in fees to his bank every year.

He was an entrepreneur with a small business bank account and worked hard to keep money in his account every month only to have a large percentage of it disappear.

With a good income plan, both couples were able to have peace of mind for their retirement without being afraid of the unknown. (5).png

The biggest chunk of the deductions seemed to be coming from something called an “account analysis fee.” We called his bank to see what that fee was for and they basically avoided the question but said they were allowed to take the money out before of some wording in the fine print of his contract. We also learned that if he switched to another type of business bank account in the same institution, he could avoid that fee and other fees altogether. But how would he know that on his own? 

Another client came in confused about why he was getting random fees taken out of his account every month. After looking at his contract, it became apparent that he only could have a certain number of transactions every month. **After that, he’d be charged a fee for each transaction. What the point of a checking account with limited use? **

These are just two examples of ridiculous fees every day people get from their bank. Despite the fact that they chose to give their money to these institutions, customers are often treated as if the bank is entitled to these meaningless fees.

So what can you do to avoid them?
 

Don't Settle For Second Best

Most people assume that these fees and the cycle of poor customer service are just the status quo for banking. They assume that this is just the way banking works. It doesn’t matter if they switched to a new institution, it would be more of the same. Additionally, it takes a lot of money to move your money around. 

People think it wouldn’t be worth switching banks in the long run, but that’s not true! 

 

I’ve found two great options for anyone fed up with their bank’s nickel and dime fee schedule. 

 

  1. Ally Online Bank - Ally is a completely online institution, meaning there are no brick and mortar locations available. 

They use this strategy to save their customers tons of money. There are no ATM fees, no operating fees, no minimum balances and best of all, they have a reasonable overdraft fee policy. Instead of charging a per transaction or percentage fee for overdrafts, you pay only $25 per day. They’re an open and honest banking solution with great customer service and no price gouging. 

With a good income plan, both couples were able to have peace of mind for their retirement without being afraid of the unknown. (6).png

  1. A Local Bank - If you still prefer a brick and mortar bank that you can walk into when need be, consider a local bank instead of a national institution. 

Recently, I did a podcast with the owner of a local Atlanta bank, Vinings. In talking to him, he told me about the low-cost, personal banking policy they had. They have low, reasonable fees and take their customer service seriously.

What I found most amazing about Vinings Bank was their person-by-persona loan decisions. Most banks will use a computer to make loan decisions, which can leave lots of people disappointed, but they will personally review your financial situation. Even better, if you decide to switch to Vining's from your current institution, they’ll do all the work for you to get you moved over to your new account. 

Your Bank Should Care About Your Money Like You Do

No matter what option you go with, make sure you don’t accept the status quo.

You can find a bank that values you and your money as much as you do. We can even help! We’ll walk you through your banking and investment decisions to help you find companies that will work for you instead of against you. Don’t be okay with giving money to people who don’t care about you. 

Learn More About Valuing Your MoneyFind The Best Home For Your Money And Investments 

]]> Wed, 28 Mar 2018 09:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/your-bank-should-care-about-your-money-7107fd9c

In 2016, the ten biggest banks in America earned 7.5 billion dollars in overdraft fees. For one bank, the money they earned in overdraft fees was 11% of their total profits for the year. Overdrafts aren’t the only way banks nickle and dime their customers, and you don’t have to put up with it. 

Listen on Apple Podcasts  With a good income plan, both couples were able to have peace of mind for their retirement without being afraid of the unknown. (4).png

Despite the many scandals that have taken place over the past few years, the largest banking institutions in the country still act as if they’re entitled to our money.

Wells Fargo just last year had a number of concerning lawsuits and violations, such as fraudulent accounts, false charges, executive abuse, but they haven’t made any changes to their fees or customer service. **You’d think they’d be wanting to lower their fees to entice more people to come back to their bank, but they really don’t seem to care. **

How much do you pay your bank every year in fees? Overdraft fees, operating fees, ATM fees, the list goes on and on. 

 

Bad Banking? You're Not Alone!

I had one client come to me because he was concerned about how much he was paying in fees to his bank every year.

He was an entrepreneur with a small business bank account and worked hard to keep money in his account every month only to have a large percentage of it disappear.

With a good income plan, both couples were able to have peace of mind for their retirement without being afraid of the unknown. (5).png

The biggest chunk of the deductions seemed to be coming from something called an “account analysis fee.” We called his bank to see what that fee was for and they basically avoided the question but said they were allowed to take the money out before of some wording in the fine print of his contract. We also learned that if he switched to another type of business bank account in the same institution, he could avoid that fee and other fees altogether. But how would he know that on his own? 

Another client came in confused about why he was getting random fees taken out of his account every month. After looking at his contract, it became apparent that he only could have a certain number of transactions every month. **After that, he’d be charged a fee for each transaction. What the point of a checking account with limited use? **

These are just two examples of ridiculous fees every day people get from their bank. Despite the fact that they chose to give their money to these institutions, customers are often treated as if the bank is entitled to these meaningless fees.

So what can you do to avoid them?
 

Don't Settle For Second Best

Most people assume that these fees and the cycle of poor customer service are just the status quo for banking. They assume that this is just the way banking works. It doesn’t matter if they switched to a new institution, it would be more of the same. Additionally, it takes a lot of money to move your money around. 

People think it wouldn’t be worth switching banks in the long run, but that’s not true! 

 

I’ve found two great options for anyone fed up with their bank’s nickel and dime fee schedule. 

 

  1. Ally Online Bank - Ally is a completely online institution, meaning there are no brick and mortar locations available. 

They use this strategy to save their customers tons of money. There are no ATM fees, no operating fees, no minimum balances and best of all, they have a reasonable overdraft fee policy. Instead of charging a per transaction or percentage fee for overdrafts, you pay only $25 per day. They’re an open and honest banking solution with great customer service and no price gouging. 

With a good income plan, both couples were able to have peace of mind for their retirement without being afraid of the unknown. (6).png

  1. A Local Bank - If you still prefer a brick and mortar bank that you can walk into when need be, consider a local bank instead of a national institution. 

Recently, I did a podcast with the owner of a local Atlanta bank, Vinings. In talking to him, he told me about the low-cost, personal banking policy they had. They have low, reasonable fees and take their customer service seriously.

What I found most amazing about Vinings Bank was their person-by-persona loan decisions. Most banks will use a computer to make loan decisions, which can leave lots of people disappointed, but they will personally review your financial situation. Even better, if you decide to switch to Vining's from your current institution, they’ll do all the work for you to get you moved over to your new account. 

Your Bank Should Care About Your Money Like You Do

No matter what option you go with, make sure you don’t accept the status quo.

You can find a bank that values you and your money as much as you do. We can even help! We’ll walk you through your banking and investment decisions to help you find companies that will work for you instead of against you. Don’t be okay with giving money to people who don’t care about you. 

Learn More About Valuing Your MoneyFind The Best Home For Your Money And Investments 

]]> Your Bank Should Care About Your Money Like You Do Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:18:23 No more nickel and diming! Don’t be okay with giving money to people who don’t care about you. You can find a bank that values you and your money as much as you do. No more nickel and diming! Don’t be okay with giving money to people who don’t care about you. You can find a bank that values you and your money as much as you do. no full 91 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:5ab6a52988251b198c1982fc How Increasing Interest Rates Will Affect You

This week we had another increase in Federal interest rates, But This isn’t unusual. There are small, incremental increases every year. It’s easy to think this minuscule percentage Change won’t have much effect, but do you know how these regular, small increases can truly affect you? 

Listen on Apple Podcasts With a good income plan, both couples were able to have peace of mind for their retirement without being afraid of the unknown. (1).png

If you're not familiar with federal interest rates, it's important you know that the government adjusts interest rates as a way to help control inflation. If it costs more to borrow money, people don’t buy as much and there is less of a rise in inflation. **Of course, inflation has a tangible effect on our everyday lives so it makes sense that interest rate increases will as well. **

Federal Increases And You

The first place you’ll notice these changes will be on your credit cards. You’ll immediately notice an increase in your interest rates as these are directly tied to the federal interest rates. It will only be a small increase, not a huge spike, but keep this in mind next time you swipe your card.

A place you may not expect to feel the effects of interest rate increases is through your mortgage. If you have an existing traditional mortgage then you don’t need to worry. If you have a 30-year or even a 10-year mortgage, you’re locked into your interest rate for that term. 

New mortgages, will be affected the most. You can expect these rates to increase steadily, not just this year but over the upcoming years. 

This shouldn’t be a surprise for you though and you can take advantage of it! 

Making The Most Of Your Mortgage

Right now, mortgage rates are the lowest they’ll most likely ever be. In fact, rates haven’t been this low since the 1950s. On top of that, we’re in the 3rd most competitive housing market in measurable history. Homes will often go on the market one day and be gone the next. 

With a good income plan, both couples were able to have peace of mind for their retirement without being afraid of the unknown. (2).png

It’s an excellent time to buy a house, but this fast-paced, low-cost market is causing people to make quick, unwise decisions as well. 

Recently, I had a young couple came in. They told me they were interested in buying a home and their lender had suggested an Adjustable Rate Mortgage. 

If you’re not familiar with ARMs, they’re essentially a mortgage option that locks the homeowner into a deceptively low-interest rate for 5 years and then adjusts the rate year by year, usually aggressively. There is a great benefit to ARMs as it lets homeowners purchase more home for their money and if they don’t plan on living there for longer than five years, they can move before the interest spikes. 

This couple was attracted to the ARM because they wanted a bigger home and planned to have children in the next five years, so they thought this was a great option. 

Here’s the problem: Life is unexpected. 

People often assume that whatever goal they have will definitely come to fruition and they make big, potentially dangerous decisions based on these assumptions _ . _ You may plan to have children in the next five years and need a bigger house. You may also plan to still have a job in five years. You may plan on everyone in your family being happy and healthy in that time too. None of this is guaranteed, though.

But with an ARM, you make large and expensive decisions that could come back to bite you if everything doesn't pan out. Then you’re stuck in a long-term mortgage with an outrageous and unpredictable mortgage that can change from year to year based on the federal interest rate. 

Interest Rates: Get 'Em While They're Low

Here is the advice I gave to this couple and, if you have children or grandchildren looking to buy a home this is advice you can give them as well: lock in the amazing interest rates available to you now.

With a good income plan, both couples were able to have peace of mind for their retirement without being afraid of the unknown. (3).png

Instead of an ARM, they could get a 30 year mortgage with the guaranteed lowest interest rate in our lifetime, purchase a more reasonable home and have the safety  this mortgage term offers without making assumptions about their future. If they do end up having kids in five years and need a larger house, that’s great! **They can reevaluate at that time. If everything doesn’t go as planned, they still have a low interest rate for as long as they need it. **

When it comes down to it, the annual federal interest rate increases will affect your way of living, if not this year then in the upcoming years. There are ways, though, that you can take advantage of these changes to help yourself and your family out in the long-term.

If you’re unsure of how to make the best use of our current low interest rates or you’re afraid of the effect increases will have on your future, sign up for a free consultation. We’ll take a comprehensive look at your financial situation and ensure you make decisions that won’t hurt your long-term happiness. 

See Why People Love More Than MoneyLearn How To Take Advantage Of Increasing Interest Rates

]]> Tue, 27 Mar 2018 09:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/how-increasing-interest-rates-will-973945c3

This week we had another increase in Federal interest rates, But This isn’t unusual. There are small, incremental increases every year. It’s easy to think this minuscule percentage Change won’t have much effect, but do you know how these regular, small increases can truly affect you? 

Listen on Apple Podcasts With a good income plan, both couples were able to have peace of mind for their retirement without being afraid of the unknown. (1).png

If you're not familiar with federal interest rates, it's important you know that the government adjusts interest rates as a way to help control inflation. If it costs more to borrow money, people don’t buy as much and there is less of a rise in inflation. **Of course, inflation has a tangible effect on our everyday lives so it makes sense that interest rate increases will as well. **

Federal Increases And You

The first place you’ll notice these changes will be on your credit cards. You’ll immediately notice an increase in your interest rates as these are directly tied to the federal interest rates. It will only be a small increase, not a huge spike, but keep this in mind next time you swipe your card.

A place you may not expect to feel the effects of interest rate increases is through your mortgage. If you have an existing traditional mortgage then you don’t need to worry. If you have a 30-year or even a 10-year mortgage, you’re locked into your interest rate for that term. 

New mortgages, will be affected the most. You can expect these rates to increase steadily, not just this year but over the upcoming years. 

This shouldn’t be a surprise for you though and you can take advantage of it! 

Making The Most Of Your Mortgage

Right now, mortgage rates are the lowest they’ll most likely ever be. In fact, rates haven’t been this low since the 1950s. On top of that, we’re in the 3rd most competitive housing market in measurable history. Homes will often go on the market one day and be gone the next. 

With a good income plan, both couples were able to have peace of mind for their retirement without being afraid of the unknown. (2).png

It’s an excellent time to buy a house, but this fast-paced, low-cost market is causing people to make quick, unwise decisions as well. 

Recently, I had a young couple came in. They told me they were interested in buying a home and their lender had suggested an Adjustable Rate Mortgage. 

If you’re not familiar with ARMs, they’re essentially a mortgage option that locks the homeowner into a deceptively low-interest rate for 5 years and then adjusts the rate year by year, usually aggressively. There is a great benefit to ARMs as it lets homeowners purchase more home for their money and if they don’t plan on living there for longer than five years, they can move before the interest spikes. 

This couple was attracted to the ARM because they wanted a bigger home and planned to have children in the next five years, so they thought this was a great option. 

Here’s the problem: Life is unexpected. 

People often assume that whatever goal they have will definitely come to fruition and they make big, potentially dangerous decisions based on these assumptions _ . _ You may plan to have children in the next five years and need a bigger house. You may also plan to still have a job in five years. You may plan on everyone in your family being happy and healthy in that time too. None of this is guaranteed, though.

But with an ARM, you make large and expensive decisions that could come back to bite you if everything doesn't pan out. Then you’re stuck in a long-term mortgage with an outrageous and unpredictable mortgage that can change from year to year based on the federal interest rate. 

Interest Rates: Get 'Em While They're Low

Here is the advice I gave to this couple and, if you have children or grandchildren looking to buy a home this is advice you can give them as well: lock in the amazing interest rates available to you now.

With a good income plan, both couples were able to have peace of mind for their retirement without being afraid of the unknown. (3).png

Instead of an ARM, they could get a 30 year mortgage with the guaranteed lowest interest rate in our lifetime, purchase a more reasonable home and have the safety  this mortgage term offers without making assumptions about their future. If they do end up having kids in five years and need a larger house, that’s great! **They can reevaluate at that time. If everything doesn’t go as planned, they still have a low interest rate for as long as they need it. **

When it comes down to it, the annual federal interest rate increases will affect your way of living, if not this year then in the upcoming years. There are ways, though, that you can take advantage of these changes to help yourself and your family out in the long-term.

If you’re unsure of how to make the best use of our current low interest rates or you’re afraid of the effect increases will have on your future, sign up for a free consultation. We’ll take a comprehensive look at your financial situation and ensure you make decisions that won’t hurt your long-term happiness. 

See Why People Love More Than MoneyLearn How To Take Advantage Of Increasing Interest Rates

]]> How Increasing Interest Rates Will Affect You Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:10:17 Interest Rates: Get 'Em While They're Low - When it comes down to it, the annual federal interest rate increases will affect your way of living, if not this year then in the upcoming years. Interest Rates: Get 'Em While They're Low - When it comes down to it, the annual federal interest rate increases will affect your way of living, if not this year then in the upcoming years. no full 90 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:5a9f37ab24a694843bbe79bb Stop Arguing About Money & Enjoy It

Finances cause conflict. This is a fact of life. There’s a reason I keep tissues in my office when I meet with clients. Arguments about money happen all the time and can even ruin marriages. How can you make sure you don’t let money destroy you and your relationship? 

Listen on Apple Podcasts

Learn From Experience: Money Matters

To start with, I want to share some of my story. I feel like a lot of people feel shame about their financial situation, especially when they meet with a new advisor, so I hope this will help. 

I married my wife when I was 19. We quickly had two children, even though we were still in college. Money was limited. I worked a youth pastor. Our life was tight and stressful. 

I had this idea in my head that if I worked really hard, I would have enough money. This was something I learned from my parents, who always wanted to make sure I was happy in the career that I chose. We never actually discussed the economics of having a job. Because of this, I assumed that every job basically made the same amount of money as long as I put the work into it. 

While there is some truth to that, at the end of the day, some jobs make more than others.

It took me coming to brink of financial ruin for my eyes to open. My wife had a major medical issue, we were buried in debt, we lived with my in-laws. We hit rock bottom and we had to call a debt counselor, just so we get our heads above water. The counselor told us the only way out was to declare bankruptcy. 

So I’ve been there before, trust me. 
 

Do you think we argued about money back then? Definitely.

Do you think we STILL argue about money? Definitely. 

 

You probably have arguments with your spouse about your finances too. Everyone does, but you don’t have to let it ruin your relationship. 

Why Do Couples Always Argue About Money?

What I see often are trends and patterns in these financial arguments that happen in my office. 

I’m not a relationship counsel by any means, but my job is to help you get your money in order, which I hope will help ease some stress in all aspects of your life..png

I’m not a relationship counselor, but my job is to help you get your money in order, which  will help ease some stress in all aspects of
your life. 

One of the major trends I see is that couples will argue and fight for why they’re right without ever address what the actual problem is. 

Think about it in terms of football. When there’s a flag on the play, there’s usually an argument. The refs pause the game and take a moment to review the footage. By looking at everything in slow motion, they’re able to hopefully prove beyond a doubt what happened and figure how to act from there. 

Just like with football, you need to review your financial plan. 

The key to this is clear data. Our clients have the ability to pull up all of their accounts into one place: their debts, their bank accounts, their investments. Everything goes into one spot where they can view it cohesively, as well as use a budgeting tour to classify all their expenses. 

I recently had a couple come into my office who couldn't’ figure out why they never had money available to spend. Since I had everything pulled together in our software, I was easily able to pull up their accounts and see what happened. 

They began bickering in front of me, accusing each other of over spending. The concerning thing that we found is that neither one of them were right. 

**It wasn’t one big purchase that was pulling all the money from their accounts, but many small things they were both doing that shrunk their assets. **

This technology is so helpful for this reason. It helps you see everything together. It can even help you learn how to compromise in your relationship. 

How Financial Compromises Can Help Your Marriage

The key to mitigating almost every issue you have in your relationship, but especially those involving money is compromise. 

You can’t go into these financial discussions assuming you’re right and your spouse is going to be to blame for everything. You need to accept that both of you will have to make changes and adapt to get to the other side of financial peace. 

Another couple that I’ve begun working with came in to look at their financial plan. 

As in most cases, I found the husband and wife had completely different opinions about their plan. He thought they were in big trouble in the future, not saving enough and spending too much. She though they were perfectly fine and his excessive saving was affecting their quality of life. 

If you want to see all of your money come together in one place, you need to sign up for a free consultation with us.png

Through our software, we looked together at all of their assets and saw they had saved so much in the last few years through being so conservative that they had an excellent emergency fund available to them. With the amount saved, it was clear they’d be ready for any potential difficulties that came their way. 

At the end of our meeting, the wife looked at her husband and told him how grateful he was that he had been so frugal. It gave them great peace of mind for their future. But she also asked if, since they were already in such a good place, they could start eating out once a week. 

**This is a great example of a financial compromise. She saw the benefit of his conservative spending and he understood her want to enjoy life a bit more beyond their money. It was a beautiful moment to witness! **

If you want to see all of your money come together in one place, you need to sign up for a free consultation with us. We’re not afraid of your difficulties and conflict. What’s most important to us is that you understand your money and your spending. We hope to help you shine a light on some problem you could be having and make sure you have confidence going forward. 
 

Stop Arguing, Start EnjoyingLearn More About More Than Money

]]> Mon, 26 Mar 2018 09:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/stop-arguing-about-money-enjoy-it-21ce3ecc

Finances cause conflict. This is a fact of life. There’s a reason I keep tissues in my office when I meet with clients. Arguments about money happen all the time and can even ruin marriages. How can you make sure you don’t let money destroy you and your relationship? 

Listen on Apple Podcasts

Learn From Experience: Money Matters

To start with, I want to share some of my story. I feel like a lot of people feel shame about their financial situation, especially when they meet with a new advisor, so I hope this will help. 

I married my wife when I was 19. We quickly had two children, even though we were still in college. Money was limited. I worked a youth pastor. Our life was tight and stressful. 

I had this idea in my head that if I worked really hard, I would have enough money. This was something I learned from my parents, who always wanted to make sure I was happy in the career that I chose. We never actually discussed the economics of having a job. Because of this, I assumed that every job basically made the same amount of money as long as I put the work into it. 

While there is some truth to that, at the end of the day, some jobs make more than others.

It took me coming to brink of financial ruin for my eyes to open. My wife had a major medical issue, we were buried in debt, we lived with my in-laws. We hit rock bottom and we had to call a debt counselor, just so we get our heads above water. The counselor told us the only way out was to declare bankruptcy. 

So I’ve been there before, trust me. 
 

Do you think we argued about money back then? Definitely.

Do you think we STILL argue about money? Definitely. 

 

You probably have arguments with your spouse about your finances too. Everyone does, but you don’t have to let it ruin your relationship. 

Why Do Couples Always Argue About Money?

What I see often are trends and patterns in these financial arguments that happen in my office. 

I’m not a relationship counsel by any means, but my job is to help you get your money in order, which I hope will help ease some stress in all aspects of your life..png

I’m not a relationship counselor, but my job is to help you get your money in order, which  will help ease some stress in all aspects of
your life. 

One of the major trends I see is that couples will argue and fight for why they’re right without ever address what the actual problem is. 

Think about it in terms of football. When there’s a flag on the play, there’s usually an argument. The refs pause the game and take a moment to review the footage. By looking at everything in slow motion, they’re able to hopefully prove beyond a doubt what happened and figure how to act from there. 

Just like with football, you need to review your financial plan. 

The key to this is clear data. Our clients have the ability to pull up all of their accounts into one place: their debts, their bank accounts, their investments. Everything goes into one spot where they can view it cohesively, as well as use a budgeting tour to classify all their expenses. 

I recently had a couple come into my office who couldn't’ figure out why they never had money available to spend. Since I had everything pulled together in our software, I was easily able to pull up their accounts and see what happened. 

They began bickering in front of me, accusing each other of over spending. The concerning thing that we found is that neither one of them were right. 

**It wasn’t one big purchase that was pulling all the money from their accounts, but many small things they were both doing that shrunk their assets. **

This technology is so helpful for this reason. It helps you see everything together. It can even help you learn how to compromise in your relationship. 

How Financial Compromises Can Help Your Marriage

The key to mitigating almost every issue you have in your relationship, but especially those involving money is compromise. 

You can’t go into these financial discussions assuming you’re right and your spouse is going to be to blame for everything. You need to accept that both of you will have to make changes and adapt to get to the other side of financial peace. 

Another couple that I’ve begun working with came in to look at their financial plan. 

As in most cases, I found the husband and wife had completely different opinions about their plan. He thought they were in big trouble in the future, not saving enough and spending too much. She though they were perfectly fine and his excessive saving was affecting their quality of life. 

If you want to see all of your money come together in one place, you need to sign up for a free consultation with us.png

Through our software, we looked together at all of their assets and saw they had saved so much in the last few years through being so conservative that they had an excellent emergency fund available to them. With the amount saved, it was clear they’d be ready for any potential difficulties that came their way. 

At the end of our meeting, the wife looked at her husband and told him how grateful he was that he had been so frugal. It gave them great peace of mind for their future. But she also asked if, since they were already in such a good place, they could start eating out once a week. 

**This is a great example of a financial compromise. She saw the benefit of his conservative spending and he understood her want to enjoy life a bit more beyond their money. It was a beautiful moment to witness! **

If you want to see all of your money come together in one place, you need to sign up for a free consultation with us. We’re not afraid of your difficulties and conflict. What’s most important to us is that you understand your money and your spending. We hope to help you shine a light on some problem you could be having and make sure you have confidence going forward. 
 

Stop Arguing, Start EnjoyingLearn More About More Than Money

]]> Stop Arguing About Money & Enjoy It Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:15:57 Finances cause conflict. This is a fact of life. There’s a reason I keep tissues in my office when I meet with clients. Arguments about money happen all the time and can even ruin marriages. How can you make sure you don’t let money destroy you and your relationship? Finances cause conflict. This is a fact of life. There’s a reason I keep tissues in my office when I meet with clients. Arguments about money happen all the time and can even ruin marriages. How can you make sure you don’t let money destroy you and your relationship? no full 89 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:5aa6bdcdc8302546003b61b6 Emily Shupert (The Happiness Map) -- Accelerate Your Life and Find Happiness Now Emily_Shupert_Interview_Image_1_Small.png

Dr. Emily Shupert is a licensed professional counselor and founder of a boutique counseling and coaching company in Atlanta, Simplify Life Counseling + Coaching. 

In her practice, she works with high-level executives and professional women to grow, develop and accelerate as marketplace leaders.

 

Recently, she’s partnered with respected businessman and innovator, Anthony Flynn to write The Happiness Map. This book was written with the executive woman in mind, offering a personalized navigation tool to find happiness in life, now.

 

In this podcast interview, you will hear:

  • Emily's thoughts on how to become fearless in your work, relationships, and life.
  • A challenging conversation guiding you to introspectively look at your daily decisions.
  • A truthful look at failure and identifying barriers in your life.
  • Tips to overcome and jump from the point you're currently living to where you hope to be today and in the next 20 years.
    Listen on the More Than Money Apple Podcast

P.S. When this intervi__ew is released Emily will be abroad with Global Health Outreach— serving the medical, dental, and spiritual needs of patients around the world. She's just completely amazing!!!

Emily_Quote_Promo_FB_Image.png

Interview Highlights

  • The KEY message everyone needs to hear  (Listen in at 12:57)

What parents need to own and how our childhood affects our current story (Listen in at 23:07)

The "U-shaped curve of happiness" and listening to your four F's  (Listen in at 31:55)

**How do you make proper decisions on the next steps in life rather than the current moment you're experiencing? ** (Listen in at 40:35)

Breaking the grass is greener myth   and living in a new reality (Listen in at 52:00)

Key Quotes

 

"My whole goal is prevention. before students go into the workforce, let's start identifying"

 

"Finding purpose in pain was one of the biggest motivators in my life not only to write the book but also going into counseling."

 

"The pain of remaining the same often doesn't outway the pain of change. if you can be comfortable enough to be okay, humans will tend to remain the same."

 

"What's next doesn't mean you sprint to the finish line, but being able to mark out a process often involves daily steps and decisions towards your destination."

 

"What would the 80-year-old version of me say to myself?"

 

Bb_Chris Burns-7615.jpg Ask Any Question to More Than Money or Emily Shupert Ask Any Question to More Than Money or Emily Shupert

            Email Address <span>*</span>
            
            
          
        

        

        

        

        

        

        

        

        

        

        

        

        

        

        

    

        

        

        

        
          
            Question <span>*</span>
            
            
          
        

        

        

        

        

        

        

        

        

        

        

        

        

        

        

        

    

    

  

  

  
  
    
  
  

  <p>Thank you! We will follow up with you shortly.</p>

 

But Why Is This Interview On a Financial Advising Site?

 

We are financial planners. So, why is a financial advisor not only talking about my 401k, investments and retirement options? Great question.

 

While we are absolutely interested in the financial success of our clients and growing their wealth, we believe we have failed as an organization if we have not equally led them to a more fulfilled life.

A better quality of living is so much more than excess of wealth and it is so easy to feel stuck in our lives. Emily is an incredible voice for pursuing life satisfaction and overcoming boundaries in multiple aspects to experience your greatest joys.

We believe in "quality of life" and that growing your wealth for the only purposes of acquring more won't lead you to feeling fulfilled.

It is one of the greatest joys of our business to meet with clients, hear their dreams, and then see them live our a plan to achieve their goals.
 

We are More Than Money because we believe in you enjoying your life AND growing your wealth.

This interview hopefully reminds you to take small steps toward the life you want and money may be a part of that for you. In our opinion, money is a tool to reaching the future that you want, but a better quality of life for you, your family, and our community can't be fully measured by the size of your bank accounts.

Emily_Shupert_Interview_Image_2_Small.png

We Love Having Meaningful Conversations

  • Think you would be a good fit for a More Than Money interview? Know someone who would have something to share?
  • Want to discuss your story and find a better quality of life in financial confidence?
  • Have something inspiring that is impacting others?

Let's talk. More Than Money exists for you and responds to all inquiries through our contact page.

Contact More Than Money 

Thank you so much for your time, Emily! It was truly a joy.

]]> Fri, 23 Mar 2018 09:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planner In Atlanta Focused on Leading Clients to Grow Their Wealth & Better Their Quality of Life) https://morethanmoney.simplecast.com/episodes/emily-shupert-the-happiness-map-482ee521 Emily_Shupert_Interview_Image_1_Small.png

Dr. Emily Shupert is a licensed professional counselor and founder of a boutique counseling and coaching company in Atlanta, Simplify Life Counseling + Coaching. 

In her practice, she works with high-level executives and professional women to grow, develop and accelerate as marketplace leaders.

 

Recently, she’s partnered with respected businessman and innovator, Anthony Flynn to write The Happiness Map. This book was written with the executive woman in mind, offering a personalized navigation tool to find happiness in life, now.

 

In this podcast interview, you will hear:

  • Emily's thoughts on how to become fearless in your work, relationships, and life.
  • A challenging conversation guiding you to introspectively look at your daily decisions.
  • A truthful look at failure and identifying barriers in your life.
  • Tips to overcome and jump from the point you're currently living to where you hope to be today and in the next 20 years.
    Listen on the More Than Money Apple Podcast

P.S. When this intervi__ew is released Emily will be abroad with Global Health Outreach— serving the medical, dental, and spiritual needs of patients around the world. She's just completely amazing!!!

Emily_Quote_Promo_FB_Image.png

Interview Highlights

  • The KEY message everyone needs to hear  (Listen in at 12:57)

What parents need to own and how our childhood affects our current story (Listen in at 23:07)

The "U-shaped curve of happiness" and listening to your four F's  (Listen in at 31:55)

**How do you make proper decisions on the next steps in life rather than the current moment you're experiencing? ** (Listen in at 40:35)

Breaking the grass is greener myth   and living in a new reality (Listen in at 52:00)

Key Quotes

 

"My whole goal is prevention. before students go into the workforce, let's start identifying"

 

"Finding purpose in pain was one of the biggest motivators in my life not only to write the book but also going into counseling."

 

"The pain of remaining the same often doesn't outway the pain of change. if you can be comfortable enough to be okay, humans will tend to remain the same."

 

"What's next doesn't mean you sprint to the finish line, but being able to mark out a process often involves daily steps and decisions towards your destination."

 

"What would the 80-year-old version of me say to myself?"

 

Bb_Chris Burns-7615.jpg Ask Any Question to More Than Money or Emily Shupert Ask Any Question to More Than Money or Emily Shupert

            Email Address <span>*</span>
            
            
          
        

        

        

        

        

        

        

        

        

        

        

        

        

        

        

    

        

        

        

        
          
            Question <span>*</span>
            
            
          
        

        

        

        

        

        

        

        

        

        

        

        

        

        

        

        

    

    

  

  

  
  
    
  
  

  <p>Thank you! We will follow up with you shortly.</p>

 

But Why Is This Interview On a Financial Advising Site?

 

We are financial planners. So, why is a financial advisor not only talking about my 401k, investments and retirement options? Great question.

 

While we are absolutely interested in the financial success of our clients and growing their wealth, we believe we have failed as an organization if we have not equally led them to a more fulfilled life.

A better quality of living is so much more than excess of wealth and it is so easy to feel stuck in our lives. Emily is an incredible voice for pursuing life satisfaction and overcoming boundaries in multiple aspects to experience your greatest joys.

We believe in "quality of life" and that growing your wealth for the only purposes of acquring more won't lead you to feeling fulfilled.

It is one of the greatest joys of our business to meet with clients, hear their dreams, and then see them live our a plan to achieve their goals.
 

We are More Than Money because we believe in you enjoying your life AND growing your wealth.

This interview hopefully reminds you to take small steps toward the life you want and money may be a part of that for you. In our opinion, money is a tool to reaching the future that you want, but a better quality of life for you, your family, and our community can't be fully measured by the size of your bank accounts.

Emily_Shupert_Interview_Image_2_Small.png

We Love Having Meaningful Conversations

  • Think you would be a good fit for a More Than Money interview? Know someone who would have something to share?
  • Want to discuss your story and find a better quality of life in financial confidence?
  • Have something inspiring that is impacting others?

Let's talk. More Than Money exists for you and responds to all inquiries through our contact page.

Contact More Than Money 

Thank you so much for your time, Emily! It was truly a joy.

]]> Emily Shupert (The Happiness Map) -- Accelerate Your Life and Find Happiness Now Chris Burns - Financial Planner In Atlanta Focused on Leading Clients to Grow Their Wealth & Better Their Quality of Life 01:06:09 If you are 100% honest, how happy would you say you are right now? Emily Shupert co-authored The Happiness Map book to lead you to what happiness can actually look like in your life. How do you go from where you are to where you want to be? Listen in to our conversation. If you are 100% honest, how happy would you say you are right now? Emily Shupert co-authored The Happiness Map book to lead you to what happiness can actually look like in your life. How do you go from where you are to where you want to be? Listen in to our conversation. no full 88 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:5a9f33980d9297a0045b098f How to Survive Our New Volatile Market & Live with Peace

Thanks to the new tax plan, corporations are sitting on a lot of cash right now. Unemployment is at a low and wages are beginning to increase. Consumer confidence is high and people are spending more money. The market is doing well, so people are spending more money, but if things begin to turn bad, will you be prepared?  

Go Listen on iTunes Apple Podcasts

The Ups And Downs Of A Volatile Market

Last year, the chairwoman of the federal reserve announced that the rate of inflation was not rising as expect and she really didn’t know why. This made a lot of people anxious and the market took a hit. 

Fast forward to a year later, the rate of inflation is expected to begin to rise. **Everyone is starting to get nervous about the new inflation rate and, yet again, the market is becoming volatile. **

It seems like no matter what happens, people want to find a reason to be anxious. 

Now, we’ve added one more unknown into the mix: tariffs. 

What Do Tariffs Have To Do With The Market? 

Recently, the president announced that there could potentially be a new 25% tariff, which is a tax on imported goods, on all steel and aluminum. **The goal is to increase production of these items within the United State, but it’s also going to cause some difficult with our international trade partners. **

Products like beer, soup and soda will likely increase in price as they find the supplies for their cans increasing. Other products we buy every day will likely increase too, some that you may not even expect. And that will affect the market, whether we like it or not. 

If the ongoing anxiety about the potential of inflation caused a metaphorical fire in the market, these new tariffs are only adding fuel to that fire. 

How To Get Ahead Of The Market

We haven’t actually seen inflation yet. It is the fear of potential inflation that is making the market react. 

Everything about the market makes more sense if you look at it through the lens of a toddler. It’s not always logical..png

Everything about the market makes more sense if you look at it through the lens of a toddler. It’s not always logical. It’s emotional. It’s reactive. It can get upset over nothing. 

This creates a lot of fear and stress for investors, but how can you make sure you’re mentally and emotionally prepared for volatility?

We actually talk about this a lot in these posts in consultations with our clients. The only way to be mentally prepared for a unpredictable market is if you know that your investments are going to be okay no matter what happens. How is that possible? 

You make a plan. 

An good investment plan that is flexible and reactionary will help you be mentally and emotionally prepared for anything the market can throw your way. If the market goes up, you know what your plan is. If the market goes down, you still know what your plan is. 

A solid investment plan prevents you from getting anxious and stressed over every little change in the market, because you know that you, your finances and your future are going to make it through to the other side. 

Don’t Let Your Fear Hold You Back

I recently had a couple come into my office and talk to me about their financial situation. They had lost a lot of money during the crash in 2008. They took everything out of the market and never jumped back in during the rebound. They were too scared of losing what they had and it kept them from investing again. As such, they potentially lost out of the chance to make all of their money back.

Don’t let this happen to you. 

The reality is, that we’re living in a renewed, volatile market. This means the market will go up one day and down the next..png

The reality is, that we’re living in a renewed, volatile market. This means the market will go up one day and down the next. 

We haven’t seen these day to day changes much in the last 9 years, but that’s not the norm. Nor should you expect it to be. 

You need to make sure you’re ready for these upcoming anticipated changes in the market by creating a comprehensive investment plan. 

It is an incredible thing to look at what is going on the world and in the market and know that you are going to be just fine. These drops and changes don’t have to ruin everything you worked for. If you don’t know how to create an investment plan on your own, just call or email us to set up a free consultation. We’re look through over your current strategy and build something that can help you get peace of mind for your financial security. 
 

Create An Investment PlanFind Out What More Than Money Can Do For Your Financial Future

]]> Thu, 15 Mar 2018 21:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/how-to-survive-our-new-volatile-market-b10e5962

Thanks to the new tax plan, corporations are sitting on a lot of cash right now. Unemployment is at a low and wages are beginning to increase. Consumer confidence is high and people are spending more money. The market is doing well, so people are spending more money, but if things begin to turn bad, will you be prepared?  

Go Listen on iTunes Apple Podcasts

The Ups And Downs Of A Volatile Market

Last year, the chairwoman of the federal reserve announced that the rate of inflation was not rising as expect and she really didn’t know why. This made a lot of people anxious and the market took a hit. 

Fast forward to a year later, the rate of inflation is expected to begin to rise. **Everyone is starting to get nervous about the new inflation rate and, yet again, the market is becoming volatile. **

It seems like no matter what happens, people want to find a reason to be anxious. 

Now, we’ve added one more unknown into the mix: tariffs. 

What Do Tariffs Have To Do With The Market? 

Recently, the president announced that there could potentially be a new 25% tariff, which is a tax on imported goods, on all steel and aluminum. **The goal is to increase production of these items within the United State, but it’s also going to cause some difficult with our international trade partners. **

Products like beer, soup and soda will likely increase in price as they find the supplies for their cans increasing. Other products we buy every day will likely increase too, some that you may not even expect. And that will affect the market, whether we like it or not. 

If the ongoing anxiety about the potential of inflation caused a metaphorical fire in the market, these new tariffs are only adding fuel to that fire. 

How To Get Ahead Of The Market

We haven’t actually seen inflation yet. It is the fear of potential inflation that is making the market react. 

Everything about the market makes more sense if you look at it through the lens of a toddler. It’s not always logical..png

Everything about the market makes more sense if you look at it through the lens of a toddler. It’s not always logical. It’s emotional. It’s reactive. It can get upset over nothing. 

This creates a lot of fear and stress for investors, but how can you make sure you’re mentally and emotionally prepared for volatility?

We actually talk about this a lot in these posts in consultations with our clients. The only way to be mentally prepared for a unpredictable market is if you know that your investments are going to be okay no matter what happens. How is that possible? 

You make a plan. 

An good investment plan that is flexible and reactionary will help you be mentally and emotionally prepared for anything the market can throw your way. If the market goes up, you know what your plan is. If the market goes down, you still know what your plan is. 

A solid investment plan prevents you from getting anxious and stressed over every little change in the market, because you know that you, your finances and your future are going to make it through to the other side. 

Don’t Let Your Fear Hold You Back

I recently had a couple come into my office and talk to me about their financial situation. They had lost a lot of money during the crash in 2008. They took everything out of the market and never jumped back in during the rebound. They were too scared of losing what they had and it kept them from investing again. As such, they potentially lost out of the chance to make all of their money back.

Don’t let this happen to you. 

The reality is, that we’re living in a renewed, volatile market. This means the market will go up one day and down the next..png

The reality is, that we’re living in a renewed, volatile market. This means the market will go up one day and down the next. 

We haven’t seen these day to day changes much in the last 9 years, but that’s not the norm. Nor should you expect it to be. 

You need to make sure you’re ready for these upcoming anticipated changes in the market by creating a comprehensive investment plan. 

It is an incredible thing to look at what is going on the world and in the market and know that you are going to be just fine. These drops and changes don’t have to ruin everything you worked for. If you don’t know how to create an investment plan on your own, just call or email us to set up a free consultation. We’re look through over your current strategy and build something that can help you get peace of mind for your financial security. 
 

Create An Investment PlanFind Out What More Than Money Can Do For Your Financial Future

]]> How to Survive Our New Volatile Market & Live with Peace Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:28:35 Everyone is starting to get nervous about the new inflation rate and, yet again, the market is becoming volatile. Everyone is starting to get nervous about the new inflation rate and, yet again, the market is becoming volatile. no full 86 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:5a96207071c10b4fee3bea1f Is America In A Retirement Savings Crisis?

It’s the perfect storm: social security has one foot out the door and pension funds are all but dead. Regardless of what happens in Washington, how do you know you won’t become the victim of crumbling social security and a nonexistent retirement plan? 

Listen Now On iTunes Apple Podcasts

Can I Depend On Social Security? 

All of us know social security is in trouble.

We also know that no one in Congress wants to do anything about it. They don’t want to be the person who took away everyone’s social security payments. Who really wants to do that? 

But, if we continue on as we are now, social security funds will be depleted by 2034. 

If we get to that point, it’s likely everyone will see at least a 25% cut in benefits across the board. We probably won't go that long without something changing, but so far, we have no idea what that will look like. 

To add to the problem, pensions, which were once a staple of retirement plans, have been nearly, if not completely dead, since the 1980s. 

Why Don't I Have A Pension?

If you, like most normal people, aren’t familiar with the history of pensions, here’s a quick synopsis. In the past, most American workers who had jobs with benefits had a pension plan. Pension plans were great because it was guaranteed income when you entered retirement that didn’t require you to invest your own money or really risk anything at all. You just had to stay at your job. Sounds great, right? 

But in the 70’s there was a shift from pension plans to 401ks, as they were much cheaper for companies. In the long term, the pension plans weren’t sustainable, so Employers began to push for their employees to invest money in a 401k retirement plan. 

The problem for the worker was they had to go from knowing they had income available to putting their own money away. They had to actively save and invest wisely. With a pension, it didn’t matter if you saved or invested, you would always have that money available. 

Since the shift to 401ks, less people are equipped for retirement. 

We have an entire generation of people ready to retire who have saved exclusively with 401ks. With social security’s decline on top of that, your retirement could be in jeopardy. 

Show Me The Money!

There are two articles I recently read about the the problems those nearing retirement are facing now. 

The first one was from the Wall Street Journal, and it was a debate between two experts about whether there is and or is not currently a retirement savings crisis in our country. It’s an informative read that will help you see both sides of the argument. 

The second was **from The Atlantic and painted a picture of what life without retirement savings may look like for you.**It’s bleak, but the message is important. You’ll want to make sure you read this one! 

If you don’t have time to read those now, here’s some the key statistics from both articles: 

  • Social security will be depleted by 2034.
  • Poverty fell for populations 18 to 65 but rose for those over 65, meaning the only group whose poverty level has risen is those in or near retirement. 

2/3rds of Americans don’t contribute anything to a 401k or other retirement plan. 

  • For those 55 to 64, the median savings in their 401k is only $15,000. 

**The data shows that there are a growing number of people who will NOT be able to retire comfortably, if at all. **

I Don’t Think I Can Retire. What Do I Do? 

It’s my job to make sure you’re prepared and able to achieve your dreams for the future. I want you, your parents and your children to be in a healthy place financially with a plan to retire. 

Out of the hundreds of people I’ve helped in my career, there are only two cases I can think of that were truly hopeless..png

So many people come into my office every day and are convinced they’re never going to be able to retire. **However, there are very few situations that we’re not able to salvage together. **

Out of the hundreds of people I’ve helped in my career, there are only two cases I can think of that were truly hopeless. 

The first was an older couple well into retirement. The husband was the only one who worked and he handled all the financials for their family. He had a large chunk of money given to a 10 year payout. He bought into the program thinking by the end of the 10 years, they’d have another way to make money or would have enough saved up to continue living the way they wanted. 

Unfortunately, they were less than 3 years away from the end of the payout, but they had no money saved and the husband was no longer able to work due to his health. **They had absolutely no money available for them and they had no options to get out of their situation. **

The second couple was a bit younger with a large amount of money. They lived comfortably, had multiple timeshares and properties, but weren’t generating enough income to pay for everything. 

After looking at their financials, I saw that they could have enough money to live on after retirement but only if they made great changes to their lifestyle, including selling their extra properties. It was obvious that if they didn’t make those changes, they would be out of money in a few years. 

They broke down crying in my office and decided they weren’t willing to make the changes they needed. So I, unfortunately, wasn’t able to help them. 

Okay, Now I’m Really Scared 

I’m not trying to scare you. I’m trying to prepare you. 

These are the absolute worst case scenarios. **The vast majority of people can make the changes necessary to ensure they’re prepared for retirement regardless of their current situation. **

If you’ve never made a retirement plan, you need to as soon as possible. You want to make sure it is flexible that you’re confident will be able to provide you the financial security that you need. If you don’t know how to how to make your plan, come by my office for a free consultation. We’ll look over every aspect of your financial world, create an income plan and make sure you’ll be able to retire with confidence.

Create A Retirement PlanSee Why Our Clients Love Working With Us

]]> Wed, 14 Mar 2018 16:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/is-america-in-a-retirement-savings-8d631eb6

It’s the perfect storm: social security has one foot out the door and pension funds are all but dead. Regardless of what happens in Washington, how do you know you won’t become the victim of crumbling social security and a nonexistent retirement plan? 

Listen Now On iTunes Apple Podcasts

Can I Depend On Social Security? 

All of us know social security is in trouble.

We also know that no one in Congress wants to do anything about it. They don’t want to be the person who took away everyone’s social security payments. Who really wants to do that? 

But, if we continue on as we are now, social security funds will be depleted by 2034. 

If we get to that point, it’s likely everyone will see at least a 25% cut in benefits across the board. We probably won't go that long without something changing, but so far, we have no idea what that will look like. 

To add to the problem, pensions, which were once a staple of retirement plans, have been nearly, if not completely dead, since the 1980s. 

Why Don't I Have A Pension?

If you, like most normal people, aren’t familiar with the history of pensions, here’s a quick synopsis. In the past, most American workers who had jobs with benefits had a pension plan. Pension plans were great because it was guaranteed income when you entered retirement that didn’t require you to invest your own money or really risk anything at all. You just had to stay at your job. Sounds great, right? 

But in the 70’s there was a shift from pension plans to 401ks, as they were much cheaper for companies. In the long term, the pension plans weren’t sustainable, so Employers began to push for their employees to invest money in a 401k retirement plan. 

The problem for the worker was they had to go from knowing they had income available to putting their own money away. They had to actively save and invest wisely. With a pension, it didn’t matter if you saved or invested, you would always have that money available. 

Since the shift to 401ks, less people are equipped for retirement. 

We have an entire generation of people ready to retire who have saved exclusively with 401ks. With social security’s decline on top of that, your retirement could be in jeopardy. 

Show Me The Money!

There are two articles I recently read about the the problems those nearing retirement are facing now. 

The first one was from the Wall Street Journal, and it was a debate between two experts about whether there is and or is not currently a retirement savings crisis in our country. It’s an informative read that will help you see both sides of the argument. 

The second was **from The Atlantic and painted a picture of what life without retirement savings may look like for you.**It’s bleak, but the message is important. You’ll want to make sure you read this one! 

If you don’t have time to read those now, here’s some the key statistics from both articles: 

  • Social security will be depleted by 2034.
  • Poverty fell for populations 18 to 65 but rose for those over 65, meaning the only group whose poverty level has risen is those in or near retirement. 

2/3rds of Americans don’t contribute anything to a 401k or other retirement plan. 

  • For those 55 to 64, the median savings in their 401k is only $15,000. 

**The data shows that there are a growing number of people who will NOT be able to retire comfortably, if at all. **

I Don’t Think I Can Retire. What Do I Do? 

It’s my job to make sure you’re prepared and able to achieve your dreams for the future. I want you, your parents and your children to be in a healthy place financially with a plan to retire. 

Out of the hundreds of people I’ve helped in my career, there are only two cases I can think of that were truly hopeless..png

So many people come into my office every day and are convinced they’re never going to be able to retire. **However, there are very few situations that we’re not able to salvage together. **

Out of the hundreds of people I’ve helped in my career, there are only two cases I can think of that were truly hopeless. 

The first was an older couple well into retirement. The husband was the only one who worked and he handled all the financials for their family. He had a large chunk of money given to a 10 year payout. He bought into the program thinking by the end of the 10 years, they’d have another way to make money or would have enough saved up to continue living the way they wanted. 

Unfortunately, they were less than 3 years away from the end of the payout, but they had no money saved and the husband was no longer able to work due to his health. **They had absolutely no money available for them and they had no options to get out of their situation. **

The second couple was a bit younger with a large amount of money. They lived comfortably, had multiple timeshares and properties, but weren’t generating enough income to pay for everything. 

After looking at their financials, I saw that they could have enough money to live on after retirement but only if they made great changes to their lifestyle, including selling their extra properties. It was obvious that if they didn’t make those changes, they would be out of money in a few years. 

They broke down crying in my office and decided they weren’t willing to make the changes they needed. So I, unfortunately, wasn’t able to help them. 

Okay, Now I’m Really Scared 

I’m not trying to scare you. I’m trying to prepare you. 

These are the absolute worst case scenarios. **The vast majority of people can make the changes necessary to ensure they’re prepared for retirement regardless of their current situation. **

If you’ve never made a retirement plan, you need to as soon as possible. You want to make sure it is flexible that you’re confident will be able to provide you the financial security that you need. If you don’t know how to how to make your plan, come by my office for a free consultation. We’ll look over every aspect of your financial world, create an income plan and make sure you’ll be able to retire with confidence.

Create A Retirement PlanSee Why Our Clients Love Working With Us

]]> Is America In A Retirement Savings Crisis? Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:18:51 All of us know social security is in trouble. How can you make sure you’re prepared for retirement? So many people come into my office every day and are convinced they’re never going to be able to retire. Here's the truth. All of us know social security is in trouble. How can you make sure you’re prepared for retirement? So many people come into my office every day and are convinced they’re never going to be able to retire. Here's the truth. no full 85 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:5a961dec08522939c92dfe42 What To Do With Your HUGE Tax Refund

It’s that time of the year again! Everyone is getting tax refunds and every marketing campaign in the country is trying to convince people to spend their refund on something new. But what is actually the best use of your refund? It’s not what you think! 

Don’t Hope For a Refund This Year

It’s just like going to the grocery store every week and paying an extra $5 for every gallon of milk you buy..png

I want to start off by saying this: you should not hope for a HUGE tax refund every year.

Tax refunds aren't a good thing. It’s just like going to the grocery store every week and paying an extra $5 for every gallon of milk you buy. At the end of the year, the grocery store sends you a check for the difference between the price you should have paid and what you actually paid. **Why didn’t you just pay the correct price every time? **

A tax refund is just a reimbursement for your overpayment on your taxes throughout the year. It isn’t new money. 

Instead, you should be structuring your taxes and withholdings in such a way that you don’t get a refund or as close to that as possible.

Think about it like this, do you really want the IRS holding on to your extra cash? Of course not. What if you mess up on your taxes and end up not claiming as much as you should? They’re definitely not going to send it back to you. You’re just out the money that you deserve. 

What Can I Do With My Refund NOW? 

Let’s say that you did get a large refund this year. We don’t want to repeat that in the future, but for now: That’s great! What should you spend the money on?

**Every ad on TV and radio right now wants you to spend this extra influx of cash on cars, televisions, phones, furniture. Any and everything! **

Some people may plan to do that, but most people I talk to say they plan to apply their refund towards their debt. They use it to pay off credit cards, car loans, and other places they own money. They believe this is the “smart” thing to do with this extra money. 

The problem is, most people with debt don’t have any liquid savings. By continuing to apply money towards what they owe instead of building up an emergency savings fund, they’re continuing the feed into the cycle of debt. 

Say you use this year’s tax return to pay off a bunch of credit card debt you accrued when you had an emergency but no savings available.  You get your debt to a zero dollar balance and continue paying bills as usual. Then,  later on in the year, you have another emergency and, again, have no savings to pull from to help pay for it. So you swipe your credit card again and plan to use your tax refund to pay off the debt in a few months.

If you continue on like this, you will never build up a savings account and never get out of debt!

Without 3 months of living expenses in your savings account you should not be making payments towards anything else beyond the minimum requirement. This includes applying money towards your 401k and definitely towards your Credit Card debts. 

How Can I Get Out Of My Cycle Of Debt? 

**Put your money into a liquid savings account and do not touch that account until you have at least 3 months of expenses available. **

Next year, you can take any money you have leftover and, knowing that you have an emergency fund, use your refund to pay off your debts. 

You wouldn’t build a house without building the foundation first, right? Your financial plan should work the same way. Start your savings first, tackle your debt second, and, lastly, put your money towards retirement and long-term savings. This is the only way you’ll get yourself out of the cycle of debt and start making a future for yourself. If you don’t know how to get started, we can help. We’ll create a plan to get your 3 months saved up before the end of the year so you can start living your best life as quickly as possible. 
 

I'm Ready to Get Out Of The Cycle Of Debt & Take Control of My FinancesLearn More About How We Lead People To Financial Security

]]> Sat, 10 Mar 2018 10:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/what-to-do-with-your-huge-tax-refund-e4f16fc4

It’s that time of the year again! Everyone is getting tax refunds and every marketing campaign in the country is trying to convince people to spend their refund on something new. But what is actually the best use of your refund? It’s not what you think! 

Don’t Hope For a Refund This Year

It’s just like going to the grocery store every week and paying an extra $5 for every gallon of milk you buy..png

I want to start off by saying this: you should not hope for a HUGE tax refund every year.

Tax refunds aren't a good thing. It’s just like going to the grocery store every week and paying an extra $5 for every gallon of milk you buy. At the end of the year, the grocery store sends you a check for the difference between the price you should have paid and what you actually paid. **Why didn’t you just pay the correct price every time? **

A tax refund is just a reimbursement for your overpayment on your taxes throughout the year. It isn’t new money. 

Instead, you should be structuring your taxes and withholdings in such a way that you don’t get a refund or as close to that as possible.

Think about it like this, do you really want the IRS holding on to your extra cash? Of course not. What if you mess up on your taxes and end up not claiming as much as you should? They’re definitely not going to send it back to you. You’re just out the money that you deserve. 

What Can I Do With My Refund NOW? 

Let’s say that you did get a large refund this year. We don’t want to repeat that in the future, but for now: That’s great! What should you spend the money on?

**Every ad on TV and radio right now wants you to spend this extra influx of cash on cars, televisions, phones, furniture. Any and everything! **

Some people may plan to do that, but most people I talk to say they plan to apply their refund towards their debt. They use it to pay off credit cards, car loans, and other places they own money. They believe this is the “smart” thing to do with this extra money. 

The problem is, most people with debt don’t have any liquid savings. By continuing to apply money towards what they owe instead of building up an emergency savings fund, they’re continuing the feed into the cycle of debt. 

Say you use this year’s tax return to pay off a bunch of credit card debt you accrued when you had an emergency but no savings available.  You get your debt to a zero dollar balance and continue paying bills as usual. Then,  later on in the year, you have another emergency and, again, have no savings to pull from to help pay for it. So you swipe your credit card again and plan to use your tax refund to pay off the debt in a few months.

If you continue on like this, you will never build up a savings account and never get out of debt!

Without 3 months of living expenses in your savings account you should not be making payments towards anything else beyond the minimum requirement. This includes applying money towards your 401k and definitely towards your Credit Card debts. 

How Can I Get Out Of My Cycle Of Debt? 

**Put your money into a liquid savings account and do not touch that account until you have at least 3 months of expenses available. **

Next year, you can take any money you have leftover and, knowing that you have an emergency fund, use your refund to pay off your debts. 

You wouldn’t build a house without building the foundation first, right? Your financial plan should work the same way. Start your savings first, tackle your debt second, and, lastly, put your money towards retirement and long-term savings. This is the only way you’ll get yourself out of the cycle of debt and start making a future for yourself. If you don’t know how to get started, we can help. We’ll create a plan to get your 3 months saved up before the end of the year so you can start living your best life as quickly as possible. 
 

I'm Ready to Get Out Of The Cycle Of Debt & Take Control of My FinancesLearn More About How We Lead People To Financial Security

]]> What To Do With Your HUGE Tax Refund Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:13:36 It’s that time of the year again! Everyone is getting tax refunds and every marketing campaign in the country is trying to convince people to spend their refund on something new. It’s that time of the year again! Everyone is getting tax refunds and every marketing campaign in the country is trying to convince people to spend their refund on something new. no full 84 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:5a7cb63a0d92976f15efe753 Bob Rodgers (Street Grace) -- Winning the Fight Against a Dark, Horrific Reality Bob Rodgers serves as President and CEO of Street Grace, bringing more than 30 years of corporate and nonprofit leadership and team development experience to this role.

 

Street Grace is one of the pioneers  in the human trafficking “space” — a $290 million illegal industry in Georgia, alone.

 

In this podcast interview, you will hear:

  • Statistics that make you cringe at their existence.
  • How you can become a part of a solution in tangible ways.
  • The realities of an unknown world.
  • A perspective on domestic minor sex trafficking from a man who has been nationally recognized for his acumen in business, recruitment and team development.

 

Listen on the More Than Money Apple Podcast

P.S. This interview isn't easy to hear, but I challenge you to listen to it in its entirety and learn. You will be challenged by what you hear, and any education on this issue is further bringing it into the light.

Bob speaking 1 Wavve.jpg

Interview Highlights

  • The reality of sex trafficking today  (Listen in at 10:03)

Bob retells his account of a sting operation (27:40)

The scope of Street Grace's work  (35:48)

Bob shares a heart-breaking story of how he originally became involved (41:05)

Chris asks "What practical things we can do to make a change?" (44:35)

 

Key Quotes

 

"I don't know if there is anything we have in common more than 'sexual issues.'"

 

"the single most-visited porn site in the world received more than 98 billion visitors last year."

 

"the mental health professionals have coined a phrase that eight is too late. it is critically important to educate our kids."

 

"one of the single greatest things that can be done is give a language to this to children."

 

"He looked up and said, 'I can sell a bag of drugs once and I can sell a 10-year-old girl 8-12 times a night."

 

"The topic is heavy, but the state's anti-trafficking lobby day is a family event. this is a great way to get involved."

 

 

But Why Is This Interview On a Financial Advising Site?

 

We are financial planners. So, why is a financial advisor talking about something as horrific as domestic sex trafficking? Great question.

 

yes, we lead clients to grow their wealth, but we believe we have failed as an advisor if we haven't equally led our clients to live a better quality of life.

 

Money is just a tool to reaching the future that you want, and a better quality of life for you, your family, and our community can't be fully measured by the size of your bank accounts.

We believe in "quality of life" and that the quality of life of our community matters.

It is one of the greatest joys of our business to meet with clients, hear their dreams, and then see them live our a plan to achieve their goals.
 

We are More Than Money because we believe in you enjoying your life AND growing your wealth.

This interview may have been uncomfortable for you, but we think it is essential for more and more light to be shown on this painful issue. We are so thankful for all of Street Grace's efforts to change the stories of thousands!

 

Ask Any Question to More Than Money or Street Grace Ask Any Question to More Than Money or Street Grace

            Email Address <span>*</span>
            
            
          
        

        

        

        

        

        

        

        

        

        

        

        

        

        

        

    

        

        

        

        
          
            Question <span>*</span>
            
            
          
        

        

        

        

        

        

        

        

        

        

        

        

        

        

        

        

    

    

  

  

  
  
    
  
  

  <p>Thank you! We will follow up with you shortly.</p>

  
   ![bob check.jpg](https://static1.squarespace.com/static/56d4dc3ae707eb7a02e640cb/t/5a85f61d652dea6909ec0ff6/1520877005062/bob+check.jpg?format=1000w)

Don't Miss Street Grace's Anti-Sex Trafficking Lobby Day on February 20th.

Learn More

We Love Having Meaningful Conversations

  • Think you would be a good fit for a More Than Money interview? Know someone who would have something to share?
  • Want to discuss your story and find a better quality of life in financial confidence?
  • Have something inspiring that is impacting others?

Let's talk. More Than Money exists for you and responds to all inquiries through our contact page.

Contact More Than Money 

]]> Fri, 16 Feb 2018 10:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/bob-rodgers-street-grace-winning-the-d29ae0b8 Bob Rodgers serves as President and CEO of Street Grace, bringing more than 30 years of corporate and nonprofit leadership and team development experience to this role.

 

Street Grace is one of the pioneers  in the human trafficking “space” — a $290 million illegal industry in Georgia, alone.

 

In this podcast interview, you will hear:

  • Statistics that make you cringe at their existence.
  • How you can become a part of a solution in tangible ways.
  • The realities of an unknown world.
  • A perspective on domestic minor sex trafficking from a man who has been nationally recognized for his acumen in business, recruitment and team development.

 

Listen on the More Than Money Apple Podcast

P.S. This interview isn't easy to hear, but I challenge you to listen to it in its entirety and learn. You will be challenged by what you hear, and any education on this issue is further bringing it into the light.

Bob speaking 1 Wavve.jpg

Interview Highlights

  • The reality of sex trafficking today  (Listen in at 10:03)

Bob retells his account of a sting operation (27:40)

The scope of Street Grace's work  (35:48)

Bob shares a heart-breaking story of how he originally became involved (41:05)

Chris asks "What practical things we can do to make a change?" (44:35)

 

Key Quotes

 

"I don't know if there is anything we have in common more than 'sexual issues.'"

 

"the single most-visited porn site in the world received more than 98 billion visitors last year."

 

"the mental health professionals have coined a phrase that eight is too late. it is critically important to educate our kids."

 

"one of the single greatest things that can be done is give a language to this to children."

 

"He looked up and said, 'I can sell a bag of drugs once and I can sell a 10-year-old girl 8-12 times a night."

 

"The topic is heavy, but the state's anti-trafficking lobby day is a family event. this is a great way to get involved."

 

 

But Why Is This Interview On a Financial Advising Site?

 

We are financial planners. So, why is a financial advisor talking about something as horrific as domestic sex trafficking? Great question.

 

yes, we lead clients to grow their wealth, but we believe we have failed as an advisor if we haven't equally led our clients to live a better quality of life.

 

Money is just a tool to reaching the future that you want, and a better quality of life for you, your family, and our community can't be fully measured by the size of your bank accounts.

We believe in "quality of life" and that the quality of life of our community matters.

It is one of the greatest joys of our business to meet with clients, hear their dreams, and then see them live our a plan to achieve their goals.
 

We are More Than Money because we believe in you enjoying your life AND growing your wealth.

This interview may have been uncomfortable for you, but we think it is essential for more and more light to be shown on this painful issue. We are so thankful for all of Street Grace's efforts to change the stories of thousands!

 

Ask Any Question to More Than Money or Street Grace Ask Any Question to More Than Money or Street Grace

            Email Address <span>*</span>
            
            
          
        

        

        

        

        

        

        

        

        

        

        

        

        

        

        

    

        

        

        

        
          
            Question <span>*</span>
            
            
          
        

        

        

        

        

        

        

        

        

        

        

        

        

        

        

        

    

    

  

  

  
  
    
  
  

  <p>Thank you! We will follow up with you shortly.</p>

  
   ![bob check.jpg](https://static1.squarespace.com/static/56d4dc3ae707eb7a02e640cb/t/5a85f61d652dea6909ec0ff6/1520877005062/bob+check.jpg?format=1000w)

Don't Miss Street Grace's Anti-Sex Trafficking Lobby Day on February 20th.

Learn More

We Love Having Meaningful Conversations

  • Think you would be a good fit for a More Than Money interview? Know someone who would have something to share?
  • Want to discuss your story and find a better quality of life in financial confidence?
  • Have something inspiring that is impacting others?

Let's talk. More Than Money exists for you and responds to all inquiries through our contact page.

Contact More Than Money 

]]> Bob Rodgers (Street Grace) -- Winning the Fight Against a Dark, Horrific Reality Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:57:58 Bob Rodgers serves as President and CEO of Street Grace, one of the pioneers in the human trafficking “space” — a $290 million illegal industry in Georgia, alone. This interview isn't easy to hear, but I challenge you to listen to it in its entirety, learn the realities of sex trafficking, and what you can do. Bob Rodgers serves as President and CEO of Street Grace, one of the pioneers in the human trafficking “space” — a $290 million illegal industry in Georgia, alone. This interview isn't easy to hear, but I challenge you to listen to it in its entirety, learn the realities of sex trafficking, and what you can do. no full 83 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:5a806d8f53450a49812035a2 How To Respond To the Market Drop As A Young Investor

If you’re a new investor, in your 20s, 30s, 40s, how does the recent market drop affect you? Your portfolio can handle a larger drop, but maybe you can’t. What does that mean? 

I’m 20 Years Away from Retirement, How Do I Respond To The Market Drop?

Mathematically, when you’re younger, you can handle a market drop. You have plenty of time before retirement to get your portfolio back up. 

In theory, when you’re younger, you should be excited for a drop. So why are young investors discouraged_.png

In the past, people have even make the most money towards retirement during these drops. You can buy stocks for cheap and later sell them for much more. In theory, when you’re younger, you should be excited about a drop. So why are young investors discouraged? 

Because, the crowd impulse - what everyone else is doing - is to get out and run. 

I don’t want to downplay how hard it is to run into the market while everyone else is running out. It feels counterintuitive, but just know you’ll make money in the end. 

Millennials On Wall Street 

This week I read two articles that you, as a young investor, will find helpful. 

This first one was a Bloomberg article called “Is Wall Street’s Untested Millennial Majority A Risk?” 

If anyone working in wall street is under 30, they have never experienced a drop like this. In fact, 50% of professional traders fall under this category, as do half of the people who are actually investing. 

In the article, there was a quote from a 29-year-old on Wall Street who said, “I haven’t worked in a different era, but who says we’re going back to the old era?”

This is a dangerous mentality to have. We would be foolish to assume that things won’t go back to the way they were. 

Instead, think about how to respond in the future. What can I do to make sure I’m going to be okay? 

The second article was a column by Jason Zwgie, “When Investing In Stocks Make You Feel Like Throwing Up, And You Do It Anyway.” 

The key is to pick the risk you know you can stick with. No matter what that risk level is, just stay consistent..png

Jason talks about his experience investing during the 2008 stock market crash. He continued to invest and throw more money into the market while it continued to fall. It felt incredibly wrong but he stuck it through and ended up making great money. 

**It’s hard to put money into the market when it’s dropping, even if you know, logically, it makes sense. **

The key is to pick the risk you know you can stick with. No matter what that risk level is, just stay consistent. 

Don’t Waste The Last Two Weeks

It’s possible we’ll walk into next week and the market will stabilize and grow. We don’t know, no one does. Anyone who says they know what the market is going to do next, is lying. But say we end the year as we started, in a strong bull market. 

That doesn’t mean you should forget about the last two weeks. 

For young investors, this was your first experience with risk. You need to learn from it. 

Think of investing like a roller coaster - you know you’re not going to die when you get on Space Mountain. But some people will feel fine, even great, once they get off. Others will get sick. If you know you’re going to sick, then why would you get on the ride? 

If you know you can’t survive a market drop, either emotionally or financially, then don’t put yourself in a position to experience that.

Alternatively, if you know you can handle risk and it doesn’t both you, if you didn’t even notice the drop this week, then maybe you’re being too conservative. Consider investing more aggressively. 

Stocks Vs. Fixed Investments 

If you look on the first page of your financial statement, you’ll see a bar graph that shows your stocks and fixed investment. Think of the ratio of your bar graph like the speedometer in your car. 

**The higher ratio here, the faster you’ll earn and the quicker you’ll get to your goal. But if you crash, you’ll take even more damage. **

If you weren’t worried when the market dropped, you can handle a faster portfolio and you’ll be able to make more money. There’s no better time to buy in than now..png

Say 50% of your money is in stocks, as opposed to 90%. If there’s a crash, you’ll lose some of that half but not everything. You still have more than 50% of your savings left to lean on. 

If you weren’t worried when the market dropped, you can handle a faster portfolio and you’ll be able to make more money. There’s no better time to buy in than now.  

If you freaked out last week, then you should reconsider the ratio of your stocks and fixed investments and make a change. 

The first step, either way, after the drop we had this week is to reevaluate your financial plan and make sure you’re pointed towards where you want to go. You can set up a free consultation with me and we’ll work together to figure out what your plan is and what you should do next. You’ll figure out how much risk you can take and feel confident that your plan is taking you where you want to be. 
 

Figure Out Your Level of Risk ToleranceLearn More About What More Than Money Can Do For Your Dreams

]]> Wed, 14 Feb 2018 10:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/how-to-respond-to-the-market-drop-as-a-e2463331

If you’re a new investor, in your 20s, 30s, 40s, how does the recent market drop affect you? Your portfolio can handle a larger drop, but maybe you can’t. What does that mean? 

I’m 20 Years Away from Retirement, How Do I Respond To The Market Drop?

Mathematically, when you’re younger, you can handle a market drop. You have plenty of time before retirement to get your portfolio back up. 

In theory, when you’re younger, you should be excited for a drop. So why are young investors discouraged_.png

In the past, people have even make the most money towards retirement during these drops. You can buy stocks for cheap and later sell them for much more. In theory, when you’re younger, you should be excited about a drop. So why are young investors discouraged? 

Because, the crowd impulse - what everyone else is doing - is to get out and run. 

I don’t want to downplay how hard it is to run into the market while everyone else is running out. It feels counterintuitive, but just know you’ll make money in the end. 

Millennials On Wall Street 

This week I read two articles that you, as a young investor, will find helpful. 

This first one was a Bloomberg article called “Is Wall Street’s Untested Millennial Majority A Risk?” 

If anyone working in wall street is under 30, they have never experienced a drop like this. In fact, 50% of professional traders fall under this category, as do half of the people who are actually investing. 

In the article, there was a quote from a 29-year-old on Wall Street who said, “I haven’t worked in a different era, but who says we’re going back to the old era?”

This is a dangerous mentality to have. We would be foolish to assume that things won’t go back to the way they were. 

Instead, think about how to respond in the future. What can I do to make sure I’m going to be okay? 

The second article was a column by Jason Zwgie, “When Investing In Stocks Make You Feel Like Throwing Up, And You Do It Anyway.” 

The key is to pick the risk you know you can stick with. No matter what that risk level is, just stay consistent..png

Jason talks about his experience investing during the 2008 stock market crash. He continued to invest and throw more money into the market while it continued to fall. It felt incredibly wrong but he stuck it through and ended up making great money. 

**It’s hard to put money into the market when it’s dropping, even if you know, logically, it makes sense. **

The key is to pick the risk you know you can stick with. No matter what that risk level is, just stay consistent. 

Don’t Waste The Last Two Weeks

It’s possible we’ll walk into next week and the market will stabilize and grow. We don’t know, no one does. Anyone who says they know what the market is going to do next, is lying. But say we end the year as we started, in a strong bull market. 

That doesn’t mean you should forget about the last two weeks. 

For young investors, this was your first experience with risk. You need to learn from it. 

Think of investing like a roller coaster - you know you’re not going to die when you get on Space Mountain. But some people will feel fine, even great, once they get off. Others will get sick. If you know you’re going to sick, then why would you get on the ride? 

If you know you can’t survive a market drop, either emotionally or financially, then don’t put yourself in a position to experience that.

Alternatively, if you know you can handle risk and it doesn’t both you, if you didn’t even notice the drop this week, then maybe you’re being too conservative. Consider investing more aggressively. 

Stocks Vs. Fixed Investments 

If you look on the first page of your financial statement, you’ll see a bar graph that shows your stocks and fixed investment. Think of the ratio of your bar graph like the speedometer in your car. 

**The higher ratio here, the faster you’ll earn and the quicker you’ll get to your goal. But if you crash, you’ll take even more damage. **

If you weren’t worried when the market dropped, you can handle a faster portfolio and you’ll be able to make more money. There’s no better time to buy in than now..png

Say 50% of your money is in stocks, as opposed to 90%. If there’s a crash, you’ll lose some of that half but not everything. You still have more than 50% of your savings left to lean on. 

If you weren’t worried when the market dropped, you can handle a faster portfolio and you’ll be able to make more money. There’s no better time to buy in than now.  

If you freaked out last week, then you should reconsider the ratio of your stocks and fixed investments and make a change. 

The first step, either way, after the drop we had this week is to reevaluate your financial plan and make sure you’re pointed towards where you want to go. You can set up a free consultation with me and we’ll work together to figure out what your plan is and what you should do next. You’ll figure out how much risk you can take and feel confident that your plan is taking you where you want to be. 
 

Figure Out Your Level of Risk ToleranceLearn More About What More Than Money Can Do For Your Dreams

]]> How To Respond To the Market Drop As A Young Investor Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:18:41 If you're a new investor, in your 20s, 30s, 40s, how does the recent market drop affect you? Your portfolio can handle a larger drop, but maybe you can't. What does it all mean? If you're a new investor, in your 20s, 30s, 40s, how does the recent market drop affect you? Your portfolio can handle a larger drop, but maybe you can't. What does it all mean? no full 82 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:5a806537e4966bd4a4217243 How To Respond To the Market Drop When You're Near Retirement

Over the last week we’ve experienced the largest market drop since 2008. It’s not the only correction we’ve had since then, but everyone is reacting. In fact, over the past week, $30 billion has been pulled out. 

I’m Within 5 Years of Retirement or Already Retired. HELP!

We entered the year with a lot of hope and optimism, coming off a year of amazing growth in the market. Then, we had a quick, steep drop that has left everyone reeling. It’s a wake-up call to remind us we don’t know what to expect. 

So if you never know what to expect, then how should you respond to a correction like we just saw? The number one key to investing well, regardless of how the market is performing, is to know how you feel about risk. 

Risk tolerance is sometimes overblown. Often investors use it to cover our backsides when investments go poorly, but it’s also important to inform your investment strategy. 

You need to know what your plan is in case of a large market drop like we experienced in the last week and a half. 

Should I Stay Or Should I Go?

In the first week of February, $30 billion was pulled out of the market. Is it wise to sell your stocks while they’re losing value? A lot of people would say yes, but think about it like this. 

Would you sell your house as it was losing value, even if you didn’t have to move? 

Of course not! That doesn’t make any sense. You want to wait until it has value.

But that’s the first reaction people have with their investments when we have a correction. If you’re close to retirement or already in retirement, though, losing this money is something you may not be able to recover from. 

Hindsight Is 20/20!

It’s easy for me to sit here now and give you advice about what you should have done before you experienced this drop. You see this on financial shows all the time. 

People always have the best advice to tell you what you should have done, but where were they two weeks ago? 

Well, here’s the advice I did actually give someone before the market drop. Two weeks before the correction, I received a letter from David. He’s 76 years old with a Vanguard Portfolio of $905,000 and is already in retirement. He wanted to know what he should do to protect his money if the market corrects. 

My answer was: We’re coming into this year on the second-longest bull market in history, so we know the correction will come. It’s not a matter of if but a matter of when. The problem is no one knows when it will happen. It could be tomorrow or two years from tomorrow. **Since you’re already in your retirement though, and your investments are part of your income, you need to invest as if the correction will come tomorrow. **

With a plan and mindset that is prepared for the worst, regardless of what happens, you know you’re going to be okay.

“I’m Losing Money… What Do I Do?!”

If the last week was a surprise for you and you’re panicking, don’t beat yourself up. There’s nothing you can do about that now. What’s important is what you’re going to do in the future. Make sure you invest knowing your level of risk. 

As the market was in the middle of its drop, I received an email from Alan, who only wrote me one line: “I’m losing money… What do I do?!”

Is that how you felt too? The worst thing you can do right now is panic and sell your stocks as they’re dropping. 

Remember, you haven’t actually lost money until you sell. 

The value has dropped, but only if you sell, have you locked in that loss.

There’s no faster way to kill your portfolio than to sell it as it’s losing value. 

Don’t Get Stuck On The Treadmill

The problem most people have with investing is that they’re haunted by the “What-If”s. They get stuck on a never-ending treadmill, jumping on and jumping off, depending on how they’re feeling about how the market. 

They keep running, going nowhere, trying to figure out the timing of the market. It’s impossible to time the market, so don’t plan your investment strategy around it. 

You can’t make market decision based on your gut. That’s not a way to live your life..png

A record amount of new money went into the market in January, since the market had been up for so long. People saw the market going up and up, so they jumped on and bought in. Now everything is dropping and many of these people who just bought in have probably now pulled out. They bought in high and sold out low. That’s the absolute worst strategy. 

You can’t make market decisions based on your gut. That’s not a way to live your life. 

Instead, figure out how much risk you can take and create a plan.

How Much Risk Can Your Retirement Handle? 

When you’re younger, it’s important to figure out how much risk you can handle, but this is different than thinking about how much your retirement can handle. 

How do you do that? With our clients, we look at their total financial picture, social security, 401Ks, investments, everything. We figure out how much risk they’re currently taking and create scenarios for the future so they know what they are potentially going to lose. We also look at how much they spend every month and figure out what they’d like to leave behind for their family. Then, we adjust their portfolio and adjust it immediately. 

It’s important to get your portfolio where it needs to be as soon as possible. Get your investments to your preferred place of risk and then stay there, regardless of what the market does. 

Stay in your sweet spot.

Get your investments to your preferred place of risk and then stay there, regardless of what the market does..png

Get Peace of Mind And Move Forward

I can’t begin to describe to you the peace you’ll have when you have your portfolio in this great place so you don’t feel the pressure from each dip and change in the market. 

**You’ll know that you’re where you need to be and you can keep moving forward. **

 

If you know you’re not in your sweet spot, in this place of peace of mind, now is the time to set up a free consultation with us. You’ll be able to get a full look at your financial situation and figure out your current level of risk. We’ll see if you’re investing too aggressively or too conservatively and plan out your next steps. Don’t let the market ruin your dreams for retirement. 

Get Peace Of Mind For Your InvestmentsHow Can More Than Money Help Your Retirement?

]]> Mon, 12 Feb 2018 10:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/how-to-respond-to-the-market-drop-when-c56300bb

Over the last week we’ve experienced the largest market drop since 2008. It’s not the only correction we’ve had since then, but everyone is reacting. In fact, over the past week, $30 billion has been pulled out. 

I’m Within 5 Years of Retirement or Already Retired. HELP!

We entered the year with a lot of hope and optimism, coming off a year of amazing growth in the market. Then, we had a quick, steep drop that has left everyone reeling. It’s a wake-up call to remind us we don’t know what to expect. 

So if you never know what to expect, then how should you respond to a correction like we just saw? The number one key to investing well, regardless of how the market is performing, is to know how you feel about risk. 

Risk tolerance is sometimes overblown. Often investors use it to cover our backsides when investments go poorly, but it’s also important to inform your investment strategy. 

You need to know what your plan is in case of a large market drop like we experienced in the last week and a half. 

Should I Stay Or Should I Go?

In the first week of February, $30 billion was pulled out of the market. Is it wise to sell your stocks while they’re losing value? A lot of people would say yes, but think about it like this. 

Would you sell your house as it was losing value, even if you didn’t have to move? 

Of course not! That doesn’t make any sense. You want to wait until it has value.

But that’s the first reaction people have with their investments when we have a correction. If you’re close to retirement or already in retirement, though, losing this money is something you may not be able to recover from. 

Hindsight Is 20/20!

It’s easy for me to sit here now and give you advice about what you should have done before you experienced this drop. You see this on financial shows all the time. 

People always have the best advice to tell you what you should have done, but where were they two weeks ago? 

Well, here’s the advice I did actually give someone before the market drop. Two weeks before the correction, I received a letter from David. He’s 76 years old with a Vanguard Portfolio of $905,000 and is already in retirement. He wanted to know what he should do to protect his money if the market corrects. 

My answer was: We’re coming into this year on the second-longest bull market in history, so we know the correction will come. It’s not a matter of if but a matter of when. The problem is no one knows when it will happen. It could be tomorrow or two years from tomorrow. **Since you’re already in your retirement though, and your investments are part of your income, you need to invest as if the correction will come tomorrow. **

With a plan and mindset that is prepared for the worst, regardless of what happens, you know you’re going to be okay.

“I’m Losing Money… What Do I Do?!”

If the last week was a surprise for you and you’re panicking, don’t beat yourself up. There’s nothing you can do about that now. What’s important is what you’re going to do in the future. Make sure you invest knowing your level of risk. 

As the market was in the middle of its drop, I received an email from Alan, who only wrote me one line: “I’m losing money… What do I do?!”

Is that how you felt too? The worst thing you can do right now is panic and sell your stocks as they’re dropping. 

Remember, you haven’t actually lost money until you sell. 

The value has dropped, but only if you sell, have you locked in that loss.

There’s no faster way to kill your portfolio than to sell it as it’s losing value. 

Don’t Get Stuck On The Treadmill

The problem most people have with investing is that they’re haunted by the “What-If”s. They get stuck on a never-ending treadmill, jumping on and jumping off, depending on how they’re feeling about how the market. 

They keep running, going nowhere, trying to figure out the timing of the market. It’s impossible to time the market, so don’t plan your investment strategy around it. 

You can’t make market decision based on your gut. That’s not a way to live your life..png

A record amount of new money went into the market in January, since the market had been up for so long. People saw the market going up and up, so they jumped on and bought in. Now everything is dropping and many of these people who just bought in have probably now pulled out. They bought in high and sold out low. That’s the absolute worst strategy. 

You can’t make market decisions based on your gut. That’s not a way to live your life. 

Instead, figure out how much risk you can take and create a plan.

How Much Risk Can Your Retirement Handle? 

When you’re younger, it’s important to figure out how much risk you can handle, but this is different than thinking about how much your retirement can handle. 

How do you do that? With our clients, we look at their total financial picture, social security, 401Ks, investments, everything. We figure out how much risk they’re currently taking and create scenarios for the future so they know what they are potentially going to lose. We also look at how much they spend every month and figure out what they’d like to leave behind for their family. Then, we adjust their portfolio and adjust it immediately. 

It’s important to get your portfolio where it needs to be as soon as possible. Get your investments to your preferred place of risk and then stay there, regardless of what the market does. 

Stay in your sweet spot.

Get your investments to your preferred place of risk and then stay there, regardless of what the market does..png

Get Peace of Mind And Move Forward

I can’t begin to describe to you the peace you’ll have when you have your portfolio in this great place so you don’t feel the pressure from each dip and change in the market. 

**You’ll know that you’re where you need to be and you can keep moving forward. **

 

If you know you’re not in your sweet spot, in this place of peace of mind, now is the time to set up a free consultation with us. You’ll be able to get a full look at your financial situation and figure out your current level of risk. We’ll see if you’re investing too aggressively or too conservatively and plan out your next steps. Don’t let the market ruin your dreams for retirement. 

Get Peace Of Mind For Your InvestmentsHow Can More Than Money Help Your Retirement?

]]> How To Respond To the Market Drop When You're Near Retirement Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:20:43 This week was a wake-up call to remind everyone nearing retirement that we don’t ever know what to expect. But how should you respond to a correction like we just saw? This week was a wake-up call to remind everyone nearing retirement that we don’t ever know what to expect. But how should you respond to a correction like we just saw? no full 81 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:5a7b23278165f5e55696e85c Start Vacationing! How Couples Can Travel Without Financial Anxiety (Lightning Round) Tonya asks "Our family has not taken a real vacation in years because my husband is a die-hard saver. Do you have any tips?"

Typically a relationship feud over a vacation is split between two parties: **"the saver" and "the spender." **

 

While both parties have good reasons for how they approach finances, you don't have to be stuck fighting.

 

Here is the trick to going on the vacation of your dreams: Use the Foundation First program.

What is "Foundation First?" It is the essential first step to moving to a better quality of life.

During our free consultation with clients, we ask a lot of questions in an effort to get to know each other and the conversation can take a thousand different turns to be sure your concerns are answered. 

But without a doubt, every person we meet with is told how we believe in "Foundation First" as a philosophy to bring dramatic life change.

 

Foundation First is built on three steps:

  1. Build an emergency plan.
  2. Fully fund a ROTH IRA.
  3. THEN, look towards investments.

(Learn about "Foundation First" in more detail.)

 

Why Does Building A "Foundation First" Work for Vacation Planning?

pexels-photo-806835.jpeg

 

1. It Gives The Saver Incredible Peace of Mind

The anxiety a "saver" feels is often rooted in fear. Internally, they wrestle with questions like "What will happen if we spend this money and we come back to a significant expense?" Or "Is this really worth it in the long run?" 

Building your "Foundation First" gives you incredible confidence that you are on track towards reaching the goals for your life while allowing you to have a BETTER QUALITY OF LIFE today.

The first step of Foundation First is to create an emergency plan. More Than Money defines that emergency plan as enough to cover three months of expenses. With this level of protection despite what may happen in your life, your family will be prepared.

 

2. It Gives The Spender The Freedom They Crave

Making a plan can be hard for spenders, but the "spender" wants to enjoy a vacation guilt-free without counting every dollar during what they hope is an unforgettable trip. When a couple builds their Foundation First they agree to an end they can work towards.

By mutually agreeing on creating an emergency plan, the spender can prove they understand the stress and values of "the saver" and then enjoy the ability to spend money on things they both enjoy.

Show me How to build a financial foundation and enjoy more peace

 

 

P.S. You Really Do Need That Vacation

 

You work hard. Don't only work so hard to make more deposits into your accounts, make memories too. Life moves fast.

Counter to common thinking a good plan actually allows you to live with more freedom and enjoy HOW you spend your money. Making a major expense like a vacation is easy to put off without a strong plan that gives you confidence in WHY you're spending your money.

More Than Money would love to help show you how you can live with more freedom and enjoy life today while being on track to reach your dreams for the future.

 

Read more about how to build your strong foundation here >>

 

Thanks for sending your question to our team, Tonya!

 

Ask Your QuestionContact MOre Than MOney 

]]> Thu, 8 Feb 2018 17:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/start-vacationing-how-couples-can-travel-76be5f01 Tonya asks "Our family has not taken a real vacation in years because my husband is a die-hard saver. Do you have any tips?"

Typically a relationship feud over a vacation is split between two parties: **"the saver" and "the spender." **

 

While both parties have good reasons for how they approach finances, you don't have to be stuck fighting.

 

Here is the trick to going on the vacation of your dreams: Use the Foundation First program.

What is "Foundation First?" It is the essential first step to moving to a better quality of life.

During our free consultation with clients, we ask a lot of questions in an effort to get to know each other and the conversation can take a thousand different turns to be sure your concerns are answered. 

But without a doubt, every person we meet with is told how we believe in "Foundation First" as a philosophy to bring dramatic life change.

 

Foundation First is built on three steps:

  1. Build an emergency plan.
  2. Fully fund a ROTH IRA.
  3. THEN, look towards investments.

(Learn about "Foundation First" in more detail.)

 

Why Does Building A "Foundation First" Work for Vacation Planning?

pexels-photo-806835.jpeg

 

1. It Gives The Saver Incredible Peace of Mind

The anxiety a "saver" feels is often rooted in fear. Internally, they wrestle with questions like "What will happen if we spend this money and we come back to a significant expense?" Or "Is this really worth it in the long run?" 

Building your "Foundation First" gives you incredible confidence that you are on track towards reaching the goals for your life while allowing you to have a BETTER QUALITY OF LIFE today.

The first step of Foundation First is to create an emergency plan. More Than Money defines that emergency plan as enough to cover three months of expenses. With this level of protection despite what may happen in your life, your family will be prepared.

 

2. It Gives The Spender The Freedom They Crave

Making a plan can be hard for spenders, but the "spender" wants to enjoy a vacation guilt-free without counting every dollar during what they hope is an unforgettable trip. When a couple builds their Foundation First they agree to an end they can work towards.

By mutually agreeing on creating an emergency plan, the spender can prove they understand the stress and values of "the saver" and then enjoy the ability to spend money on things they both enjoy.

Show me How to build a financial foundation and enjoy more peace

 

 

P.S. You Really Do Need That Vacation

 

You work hard. Don't only work so hard to make more deposits into your accounts, make memories too. Life moves fast.

Counter to common thinking a good plan actually allows you to live with more freedom and enjoy HOW you spend your money. Making a major expense like a vacation is easy to put off without a strong plan that gives you confidence in WHY you're spending your money.

More Than Money would love to help show you how you can live with more freedom and enjoy life today while being on track to reach your dreams for the future.

 

Read more about how to build your strong foundation here >>

 

Thanks for sending your question to our team, Tonya!

 

Ask Your QuestionContact MOre Than MOney 

]]> Start Vacationing! How Couples Can Travel Without Financial Anxiety (Lightning Round) Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:03:19 While both parties have good reasons for how they approach finances, you don't have to be stuck fighting. While both parties have good reasons for how they approach finances, you don't have to be stuck fighting. no full 80 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:5a7a53890d9297738569ea99 Having A Home Warranty Can Be Worse Than Calling the IRS (Lightning Round) Sharon asks "My husband and I just purchased a home and are considering purchasing a home warranty, what are your thoughts?"

 

Please note: this answer is coming from A LOT of personal experience as well as general advice.

Theoretically, a home warranty makes sense. Let's say it costs $50 per month and if something breaks your home warranty company will come out to fix it for you.

 

Here are the Problems with home warranties:

  1.  It's going to be a terrible experience to call them and talk to a human. (Get comfortable and prepare to enjoy your hold music.)
  2. They often try to suggest fixing a broken product rather than replacing it, even when replacing it could be the better decision.
  3. Your money could be going to a much-needed Emergency Fund that would prepare you for everything you paying into for your home warranty!

 

The Alternative solution: Build A Solid Future With Your "Foundation First"

 

If you haven't laid a proper foundation, I can understand being tempted by a home warranty policy. I always recommend building your "Foundation First" by doing these three things:

  1. Creating An Emergency Fund.
  2. Making A Full Year's Contribution to a ROTH IRA.
  3. Invest. This Can Be In Your 401K or Other Tools.

 

Read more about building a strong foundation here.

 

Hope you are able to hear my passionate stance on home warranties, and make the best decision for you and your husband!
 

Thanks for sending your question to our team, Sharon!

 

Ask Your QuestionLearn More 

]]> Wed, 7 Feb 2018 17:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/having-a-home-warranty-can-be-worse-than-ead64a79 Sharon asks "My husband and I just purchased a home and are considering purchasing a home warranty, what are your thoughts?"

 

Please note: this answer is coming from A LOT of personal experience as well as general advice.

Theoretically, a home warranty makes sense. Let's say it costs $50 per month and if something breaks your home warranty company will come out to fix it for you.

 

Here are the Problems with home warranties:

  1.  It's going to be a terrible experience to call them and talk to a human. (Get comfortable and prepare to enjoy your hold music.)
  2. They often try to suggest fixing a broken product rather than replacing it, even when replacing it could be the better decision.
  3. Your money could be going to a much-needed Emergency Fund that would prepare you for everything you paying into for your home warranty!

 

The Alternative solution: Build A Solid Future With Your "Foundation First"

 

If you haven't laid a proper foundation, I can understand being tempted by a home warranty policy. I always recommend building your "Foundation First" by doing these three things:

  1. Creating An Emergency Fund.
  2. Making A Full Year's Contribution to a ROTH IRA.
  3. Invest. This Can Be In Your 401K or Other Tools.

 

Read more about building a strong foundation here.

 

Hope you are able to hear my passionate stance on home warranties, and make the best decision for you and your husband!
 

Thanks for sending your question to our team, Sharon!

 

Ask Your QuestionLearn More 

]]> Having A Home Warranty Can Be Worse Than Calling the IRS (Lightning Round) Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:03:11 Please note: this answer is coming from A LOT of personal experience as well as general advice. Yes, theoretically, a home warranty makes sense, but that isn't often the reality. Please note: this answer is coming from A LOT of personal experience as well as general advice. Yes, theoretically, a home warranty makes sense, but that isn't often the reality. no full 79 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:5a786138c830259c530301da Yes, You Can Still Fund Your Retirement Plan & See Tax Benefits (Lightning Round) Tim Asks "What is the last day you can contribute to an ira and reduce my 2017 taxes?"

 

When you are funding your retirement plan you are not bound by the calendar year to see the tax benefits!

Unlike your 401(k), your IRA and ROTH IRA can accept tax-deductible contributions until you file taxes for the year.

It's easy to get them confused - but now is a great time to look at contributing to your retirement fund after the holiday and new year madness.

 

Tim, you may also enjoy a recent show on "How to Prepare Your 2017 Taxes for the New Tax Reform."

 

 

Hope you are able to feel more confident in your plan!

 

Ask Your QuestionLearn More 

]]> Wed, 7 Feb 2018 01:11:08 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/yes-you-can-still-fund-your-retirement-0438abd3 Tim Asks "What is the last day you can contribute to an ira and reduce my 2017 taxes?"

 

When you are funding your retirement plan you are not bound by the calendar year to see the tax benefits!

Unlike your 401(k), your IRA and ROTH IRA can accept tax-deductible contributions until you file taxes for the year.

It's easy to get them confused - but now is a great time to look at contributing to your retirement fund after the holiday and new year madness.

 

Tim, you may also enjoy a recent show on "How to Prepare Your 2017 Taxes for the New Tax Reform."

 

 

Hope you are able to feel more confident in your plan!

 

Ask Your QuestionLearn More 

]]> Yes, You Can Still Fund Your Retirement Plan & See Tax Benefits (Lightning Round) Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:01:54 It's easy to get the details around your 401K and your IRA confused but let's get it right. It's easy to get the details around your 401K and your IRA confused but let's get it right. no full 78 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:5a62a6b2ec212dd04879386e How Do I Know When I Can Retire?

Everyday, I sit down with people from all financial situations and all walks of life to help them figure out their retirement plan. The question Is Always the same: When Can I Actually Retire?

Most of the clients who come into our firm are in their 60’s. They’ve earned a good salary their whole lives. They’ve worked for decades. But they know that once they leave their jobs they would no longer have access to their salary. The idea of missing out on that steady paycheck gives people so much anxiety that they end up staying at their job much longer than they need to.

How do you know when you’re ready to retire? It depends on what retirement means to you.

Let me explain...

My dad is a pastor. He’s told me since I was a kid that he would never retire. He loves his job and feels that it’s his calling to do his work for the rest of his life. He’d never dream of retirement th way many people do.

Other people dream of having enough money to travel and pursue their passions.

Still others want to do nothing after retirement. They want to have the financial freedom to stay home and relax in a way they’ve never been able to before.
 

With all these different definitions of retirement and different ways to save, a lot of people have a hard time feeling confident they are ready to leave their salary behind. But, that doesn’t mean that continuing to work is always the best option.

 

What To Know About YOUR Retirement

This anxiety matters and it is important to me that I figure out how to work my clients through it..png

It all comes down to a quality of life issue.

Most people have a huge amount of anxiety about their future and it keeps them away from retirement. This anxiety matters and it is important to me that I figure out how to work my clients through it.

Recently I had a couple come into my office, Joe and Amy. They had been working and dreaming of retiring in their mid-60’s, but were already approaching their 70’s. When I asked Joe and Amy why they were still working they said they just weren’t confident they’d be safe financially.

Part of Joe and Amy’s problem is that they were comparing their financial situation and their idea of retirement to all of their friends and neighbors. One of their friends told them they participated in a dividend income strategy, which is when a company pays you a dividend for investing with them. For some people that’s great income and it’s not a bad retirement strategy at all.

The problem is that Amy had been a government employee for years and had a great pension plan. If they had retired the next day, they would have more guaranteed income every month than what they would spend.

Our software builds in worst case scenarios into retirement plans, so you can feel confident no matter what the future holds..png

I had to explain that they didn’t actually have an income issue at all. The real issue was with growth and a dividend wouldn’t be helpful to them.

We were able to sit down, look at their entire financial world, what level of risk they were taking and what some good opportunities for them may be. We created a grid that showed them how much they would have if they retired tomorrow or next week or next year. Our software builds in worst case scenarios into retirement plans, so you can feel confident no matter what the future holds.

This peace of mind that is so essential to helping you feel confident about retiring is only possible with a full, comprehensive retirement plan.

Your Life Is About More Than Money

It’s so important that people have this holistic plan for retirement. It’s great that you have money saved, but that's only really value if you don’t feel stress and anxiety about your future.

Comprehensive plans give you the freedom to live out your life the way you want. It makes you confident that you’re going to be okay, even if the worst happens.

Our goal is not to get you the biggest bank account balance possible, although that’s a nice perk. It is to enhance your quality of life.

That’s why our firm is called More Than Money.

Our goal is not to get you the biggest bank account balance possible, although that’s a nice perk. It is to enhance your quality of life..png

Your Plan And Your Life Matter

If you want to have this confidence and peace of mind about retirement, sign up for a free consultation. I’ll sit down with you and walk you through the entire process.

We can create models to help you think through these difficult what-if scenarios and give you all the information you need to feel ready and at peace with your financial decision.

Create A Personalize Retirement PlanDiscover Why People Love Working with More Than Money

]]> Wed, 24 Jan 2018 10:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/how-do-i-know-when-i-can-retire-dda418ba

Everyday, I sit down with people from all financial situations and all walks of life to help them figure out their retirement plan. The question Is Always the same: When Can I Actually Retire?

Most of the clients who come into our firm are in their 60’s. They’ve earned a good salary their whole lives. They’ve worked for decades. But they know that once they leave their jobs they would no longer have access to their salary. The idea of missing out on that steady paycheck gives people so much anxiety that they end up staying at their job much longer than they need to.

How do you know when you’re ready to retire? It depends on what retirement means to you.

Let me explain...

My dad is a pastor. He’s told me since I was a kid that he would never retire. He loves his job and feels that it’s his calling to do his work for the rest of his life. He’d never dream of retirement th way many people do.

Other people dream of having enough money to travel and pursue their passions.

Still others want to do nothing after retirement. They want to have the financial freedom to stay home and relax in a way they’ve never been able to before.
 

With all these different definitions of retirement and different ways to save, a lot of people have a hard time feeling confident they are ready to leave their salary behind. But, that doesn’t mean that continuing to work is always the best option.

 

What To Know About YOUR Retirement

This anxiety matters and it is important to me that I figure out how to work my clients through it..png

It all comes down to a quality of life issue.

Most people have a huge amount of anxiety about their future and it keeps them away from retirement. This anxiety matters and it is important to me that I figure out how to work my clients through it.

Recently I had a couple come into my office, Joe and Amy. They had been working and dreaming of retiring in their mid-60’s, but were already approaching their 70’s. When I asked Joe and Amy why they were still working they said they just weren’t confident they’d be safe financially.

Part of Joe and Amy’s problem is that they were comparing their financial situation and their idea of retirement to all of their friends and neighbors. One of their friends told them they participated in a dividend income strategy, which is when a company pays you a dividend for investing with them. For some people that’s great income and it’s not a bad retirement strategy at all.

The problem is that Amy had been a government employee for years and had a great pension plan. If they had retired the next day, they would have more guaranteed income every month than what they would spend.

Our software builds in worst case scenarios into retirement plans, so you can feel confident no matter what the future holds..png

I had to explain that they didn’t actually have an income issue at all. The real issue was with growth and a dividend wouldn’t be helpful to them.

We were able to sit down, look at their entire financial world, what level of risk they were taking and what some good opportunities for them may be. We created a grid that showed them how much they would have if they retired tomorrow or next week or next year. Our software builds in worst case scenarios into retirement plans, so you can feel confident no matter what the future holds.

This peace of mind that is so essential to helping you feel confident about retiring is only possible with a full, comprehensive retirement plan.

Your Life Is About More Than Money

It’s so important that people have this holistic plan for retirement. It’s great that you have money saved, but that's only really value if you don’t feel stress and anxiety about your future.

Comprehensive plans give you the freedom to live out your life the way you want. It makes you confident that you’re going to be okay, even if the worst happens.

Our goal is not to get you the biggest bank account balance possible, although that’s a nice perk. It is to enhance your quality of life.

That’s why our firm is called More Than Money.

Our goal is not to get you the biggest bank account balance possible, although that’s a nice perk. It is to enhance your quality of life..png

Your Plan And Your Life Matter

If you want to have this confidence and peace of mind about retirement, sign up for a free consultation. I’ll sit down with you and walk you through the entire process.

We can create models to help you think through these difficult what-if scenarios and give you all the information you need to feel ready and at peace with your financial decision.

Create A Personalize Retirement PlanDiscover Why People Love Working with More Than Money

]]> How Do I Know When I Can Retire? Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:17:14 Everyday, I sit down with people from all financial situations and all walks of life to help them figure out their retirement plan. That question I get most often in these meetings is: When Can I Actually Retire? Everyday, I sit down with people from all financial situations and all walks of life to help them figure out their retirement plan. That question I get most often in these meetings is: When Can I Actually Retire? no full 77 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:5a62a31c24a69436cadd4619 Holy DOW! The Biggest Mistake You Can Make In The Bull Market

The DOW has been growing by leaps and bounds lately. This week, it jumped from 25,000 to 26,000 in 8 trading days. While normally, a jump of a thousand in that short of a time period would be a game-changer, it’s not and that holds a dangerous truth.

This growth is remarkable but we can’t let ourselves fall into the trap of thinking this is the new normal..png

The higher the DOW is, the easier it is for it to make large jumps.

I recently talked to a friend of mine about this exact situation. We were talking about how much the DOW had jumped and I said I wondered how long it will be until we see a correction. He said, “I don’t know that we’re going to see a correction. It seems like a whole new paradigm in investing.”

I’ve been waiting and also worried about someone saying this to me, because that overly optimistic mindset is exactly what we need to cautious about.

Many of Us Are Falling Into A Trap (Again)

Some of us are pessimistic investors. We think that every time the market goes up, we’re one step closer to an inevitable crash..png

Some of us are  pessimistic investors, but be careful not to swing the other way and become an optimistic investor.

The unfortunate fact is that excessively optimistic investors are the norm.

They’re average people, highly educated citizens and even financial experts. Throughout the history of investments there are always people saying we don’t have to worry about a crash because this aggressive bull market is the new normal.

For example, in 2001 there was a book written by Robert Zuccaro, who was a mutual fund manager, called, Why It’s Different This Time: DOW 30,000 by 2008.

I hate to throw him under the bus here, but it’s the perfect example of how even us experts can fall into the trap of being overly optimistic.

Looking back on it, it’s laughable to see how wrong he was. You can still go through and read the reviews of this book from 2008 as everyone goes through the stock market crash. It’s easy for us to look at that book and those reviews and say that we’d never be like poor Robert Zacaro, but many of us are falling into that trap all over again.

You can also go back and look at financial columns from the 80’s and 90’s, when the market was also doing well. You have financial experts writing articles and telling people they don’t have to be worried about another big drop.

These are professionals saying we will never see the drops we’ve seen in the past ever again, and, of course, we know that didn’t end up being true.

Hey, O **ptimistic Investors! ** The Market Has To Correct.

Some of us are pessimistic investors. We think that every time the market goes up, we’re one step closer to an inevitable crash. (1).png

When things are going well, we want to believe they’re going to keep going well. Just like my wife and our kids.

I’ve watched my wife give birth three times and I will never forget all the pain and effort it took for her to bring our kids into this world, but after a couple of years she seems to have forgotten entirely and is ready to have another.

We’re seeing the same problem with these optimistic investors. In the midst of all this growth, year after year, we forget that the market has to correct.

We can’t trick ourselves into thinking this is the new normal. 200% growth is not sustainable.

It isn’t a question of if the market will correct, it’s a question of when.

It may be a slow, steady correction of a few months or years, or it could be a big drop.

It could happen in six months or in six years.

 

You may be asking yourself now, “Okay, what can I do?” 

  1. Keep a level head. Watch out for the extremes in both directions: the pessimistic and optimistic.
  2. Enjoy the growth. Keep investing and taking advantage of the great market we have now.
  3. Put yourself in a position where you’ll be safe if we do face an aggressive correction in the near future. This is essential to your long-term success.
    It isn’t a question of if the market will correct, it’s a question of when..png

If you don’t know how to prepare for a drop in the market or if you want to make sure you are taking advantage of the investments available to you, feel free to reach out.

I’ll help you figure out if you’re being too aggressive or too cautious and we can figure out a way for you to be successful and make money!

 

Sign Up For a Free ConsultationWho Is More Than Money? 

]]> Tue, 23 Jan 2018 15:10:35 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/holy-dow-the-biggest-mistake-you-can-5a63fbc1

The DOW has been growing by leaps and bounds lately. This week, it jumped from 25,000 to 26,000 in 8 trading days. While normally, a jump of a thousand in that short of a time period would be a game-changer, it’s not and that holds a dangerous truth.

This growth is remarkable but we can’t let ourselves fall into the trap of thinking this is the new normal..png

The higher the DOW is, the easier it is for it to make large jumps.

I recently talked to a friend of mine about this exact situation. We were talking about how much the DOW had jumped and I said I wondered how long it will be until we see a correction. He said, “I don’t know that we’re going to see a correction. It seems like a whole new paradigm in investing.”

I’ve been waiting and also worried about someone saying this to me, because that overly optimistic mindset is exactly what we need to cautious about.

Many of Us Are Falling Into A Trap (Again)

Some of us are pessimistic investors. We think that every time the market goes up, we’re one step closer to an inevitable crash..png

Some of us are  pessimistic investors, but be careful not to swing the other way and become an optimistic investor.

The unfortunate fact is that excessively optimistic investors are the norm.

They’re average people, highly educated citizens and even financial experts. Throughout the history of investments there are always people saying we don’t have to worry about a crash because this aggressive bull market is the new normal.

For example, in 2001 there was a book written by Robert Zuccaro, who was a mutual fund manager, called, Why It’s Different This Time: DOW 30,000 by 2008.

I hate to throw him under the bus here, but it’s the perfect example of how even us experts can fall into the trap of being overly optimistic.

Looking back on it, it’s laughable to see how wrong he was. You can still go through and read the reviews of this book from 2008 as everyone goes through the stock market crash. It’s easy for us to look at that book and those reviews and say that we’d never be like poor Robert Zacaro, but many of us are falling into that trap all over again.

You can also go back and look at financial columns from the 80’s and 90’s, when the market was also doing well. You have financial experts writing articles and telling people they don’t have to be worried about another big drop.

These are professionals saying we will never see the drops we’ve seen in the past ever again, and, of course, we know that didn’t end up being true.

Hey, O **ptimistic Investors! ** The Market Has To Correct.

Some of us are pessimistic investors. We think that every time the market goes up, we’re one step closer to an inevitable crash. (1).png

When things are going well, we want to believe they’re going to keep going well. Just like my wife and our kids.

I’ve watched my wife give birth three times and I will never forget all the pain and effort it took for her to bring our kids into this world, but after a couple of years she seems to have forgotten entirely and is ready to have another.

We’re seeing the same problem with these optimistic investors. In the midst of all this growth, year after year, we forget that the market has to correct.

We can’t trick ourselves into thinking this is the new normal. 200% growth is not sustainable.

It isn’t a question of if the market will correct, it’s a question of when.

It may be a slow, steady correction of a few months or years, or it could be a big drop.

It could happen in six months or in six years.

 

You may be asking yourself now, “Okay, what can I do?” 

  1. Keep a level head. Watch out for the extremes in both directions: the pessimistic and optimistic.
  2. Enjoy the growth. Keep investing and taking advantage of the great market we have now.
  3. Put yourself in a position where you’ll be safe if we do face an aggressive correction in the near future. This is essential to your long-term success.
    It isn’t a question of if the market will correct, it’s a question of when..png

If you don’t know how to prepare for a drop in the market or if you want to make sure you are taking advantage of the investments available to you, feel free to reach out.

I’ll help you figure out if you’re being too aggressive or too cautious and we can figure out a way for you to be successful and make money!

 

Sign Up For a Free ConsultationWho Is More Than Money? 

]]> Holy DOW! The Biggest Mistake You Can Make In The Bull Market Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:13:53 The DOW has been growing by leaps and bounds lately. This week, it jumped from 25,000 to 26,000 in 8 trading days. While normally, a jump of a thousand in that short of a time period would be a game-changer, it’s not that surprising. The DOW has been growing by leaps and bounds lately. This week, it jumped from 25,000 to 26,000 in 8 trading days. While normally, a jump of a thousand in that short of a time period would be a game-changer, it’s not that surprising. no full 76 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:5a62aa320852297c416f1e36 URGENT: How To Be Ready For A Money Emergency

If you have an emergency tomorrow, how much liquid savings do you have available to help pay for it? This is not money in your 401K or money you would have to transfer from an account. This is liquid cash you have available immediately. How much do you have? Is it enough?

only 40% of American have enough money in their savings to cover a $1,000 emergency..png

I recently read a CNN Money article that said only 40% of American have enough money in their savings to cover a $1,000 emergency.

Another 20% of Americans surveyed said they would only be able to pay for an emergency with a credit card, which we all know would only causes more stress and debt down the road.

Yet, 33%  of households reported they had an unexpected major expense in the last year. That even seems like too conservative of a number by my estimation.

 

_Personally, I seem to have an unexpected major expense every month. Right now, I have two cars needing repairs and a kid about to turn 16. You’ve probably been in a similar boat before. _

 

This Isn't An Age or Stage Problem

It’s easy to push this blame off on younger people, those in college and just starting out. Sure, young people don’t have as large of a savings account as those of us who have been working longer, but that doesn’t mean they’re the only ones who need to worry. In fact, I see people in their 50’s and 60’s make this same mistake all the time.

Even if you have $1,000 saved up, do you know how much in total you have available in case you need it right away_.png

I met with a middle-aged couple not long ago that have more than a million in their 401K, but not enough in their liquid balances. If they had an emergency, they would have to pull from their retirement savings, which would require a fee, or take out a loan.

Even if you have $1,000 saved up, do you know how much you have available if you needed it right away?  What level of emergency would you be able to cover?

 

If you’re reading this and nervous that you don’t have enough saved, there’s some great options for you.

 

Two Recommendations You Need To Ignore

  1. Find the best savings rate possible and change your savings account.

The problem is that the best rates on savings accounts right now are 1.25%. If you have less than $1000 in savings, how much would that really help you?

Say you carve out $50 a month for 12 months and have $600 in your savings account by the end of the year. With your 1.25% savings account, you’d get an additional $4 that year. Woohoo…

_ How is that going to help? _

 

2. Continue Contributing Up To The Match In Your 401K.

 

I’ve talked about this many times before but I’ll say it again.

If you don’t have money available for a potential emergency, how would putting money in your 401K help you?

That money is essentially locked away. Sure, you can take money out with interest or take out a loan but that doesn't solve your emergency fund issue.

3 Big Pieces of Advice That Work Towards Towards Reaching Unbelievable Financial Peace

you should have 3 months of expenses in your saving account ready at any time..png

My recommendation is that you should have 3 months of expenses in your saving account ready at any time. This is not 3 months of income or 3 months of eating ramen noodles for every meal, but 3 months of normal, everyday expenses. Very few people I meet actually have this money saved.

Then what can you do?

If you want to end this year with a comfortable savings account, here are three things you need to do:

 

1. Automate your savings.

Part of the reason 401Ks are so successful is because they are automated by your employer. You never see that money, it is taken out of your paycheck and goes directly into your account. You can do the same thing with your savings.

If it’s in your checking account, you’re probably going to spend it..png

Change your direct deposit settings so a small portion is put into your savings account. Don’t trust yourself to transfer it to your savings account on your own.

If it’s in your checking account, you’re probably going to spend it.

 

2. Stop Savings Everywhere Else.

And I mean everywhere else.

If you don’t have money sitting in an emergency fund, you don’t have the right to put money in a long term savings account. Without this emergency money, you’re offsetting growth you have in other funds.

This includes your 401K, your education savings plans for your kids, paying above your credit card minimums, everything. Continuing to contribute without an emergency fund only continues to create a cycle of debt.  Put everything towards building your 3 months of savings, then you have the freedom to pay extra on these secondary accounts.

 

3. Find dollars in other places.

You don’t have to get a second job. You don’t have to live on water and ramen noodles. You just have to find other places in your life you can save money on things you’re already spending.

A great example is car insurance. Nerd Wallet published a study that showed the average amount of savings from shopping different car insurance plans was $800 a year.People assume that if they’ve been with one insurance company for a long period of time that they’re getting the best deal possible, but that’s just not true.

Once you have an emergency fund built up, you have the freedom to aggressively save towards your retirement and debt,.png

In reality, it’s more like your cable bill. You’ll get a good deal up front and every year after that they start to increase what you owe.

Shop around for new insurance plans and you’ll be surprised with how much you can save.

Once you have an emergency fund built up, you have the freedom to aggressively save towards your retirement and debt, without working 80 hours a week and without continuing your credit card swiping cycle of debt and payments.

One of my favorite things to do is work with people to help them find more money in their lives without making drastic changes. It's amazing how dramatic impact doesn't always require dramatic lifestyle changes.

If you want help with your life's finances, please take the first step. Sign up for a free consultation and together we can step back to look at your overall financial situation. We’ll create a strategy to help you get traction on your savings and get you out of that cycle of debt.

Have Someone Analyze My Financial SituationLearn All About More Than Money

]]> Mon, 22 Jan 2018 10:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/urgent-how-to-be-ready-for-a-money-c100a660

If you have an emergency tomorrow, how much liquid savings do you have available to help pay for it? This is not money in your 401K or money you would have to transfer from an account. This is liquid cash you have available immediately. How much do you have? Is it enough?

only 40% of American have enough money in their savings to cover a $1,000 emergency..png

I recently read a CNN Money article that said only 40% of American have enough money in their savings to cover a $1,000 emergency.

Another 20% of Americans surveyed said they would only be able to pay for an emergency with a credit card, which we all know would only causes more stress and debt down the road.

Yet, 33%  of households reported they had an unexpected major expense in the last year. That even seems like too conservative of a number by my estimation.

 

_Personally, I seem to have an unexpected major expense every month. Right now, I have two cars needing repairs and a kid about to turn 16. You’ve probably been in a similar boat before. _

 

This Isn't An Age or Stage Problem

It’s easy to push this blame off on younger people, those in college and just starting out. Sure, young people don’t have as large of a savings account as those of us who have been working longer, but that doesn’t mean they’re the only ones who need to worry. In fact, I see people in their 50’s and 60’s make this same mistake all the time.

Even if you have $1,000 saved up, do you know how much in total you have available in case you need it right away_.png

I met with a middle-aged couple not long ago that have more than a million in their 401K, but not enough in their liquid balances. If they had an emergency, they would have to pull from their retirement savings, which would require a fee, or take out a loan.

Even if you have $1,000 saved up, do you know how much you have available if you needed it right away?  What level of emergency would you be able to cover?

 

If you’re reading this and nervous that you don’t have enough saved, there’s some great options for you.

 

Two Recommendations You Need To Ignore

  1. Find the best savings rate possible and change your savings account.

The problem is that the best rates on savings accounts right now are 1.25%. If you have less than $1000 in savings, how much would that really help you?

Say you carve out $50 a month for 12 months and have $600 in your savings account by the end of the year. With your 1.25% savings account, you’d get an additional $4 that year. Woohoo…

_ How is that going to help? _

 

2. Continue Contributing Up To The Match In Your 401K.

 

I’ve talked about this many times before but I’ll say it again.

If you don’t have money available for a potential emergency, how would putting money in your 401K help you?

That money is essentially locked away. Sure, you can take money out with interest or take out a loan but that doesn't solve your emergency fund issue.

3 Big Pieces of Advice That Work Towards Towards Reaching Unbelievable Financial Peace

you should have 3 months of expenses in your saving account ready at any time..png

My recommendation is that you should have 3 months of expenses in your saving account ready at any time. This is not 3 months of income or 3 months of eating ramen noodles for every meal, but 3 months of normal, everyday expenses. Very few people I meet actually have this money saved.

Then what can you do?

If you want to end this year with a comfortable savings account, here are three things you need to do:

 

1. Automate your savings.

Part of the reason 401Ks are so successful is because they are automated by your employer. You never see that money, it is taken out of your paycheck and goes directly into your account. You can do the same thing with your savings.

If it’s in your checking account, you’re probably going to spend it..png

Change your direct deposit settings so a small portion is put into your savings account. Don’t trust yourself to transfer it to your savings account on your own.

If it’s in your checking account, you’re probably going to spend it.

 

2. Stop Savings Everywhere Else.

And I mean everywhere else.

If you don’t have money sitting in an emergency fund, you don’t have the right to put money in a long term savings account. Without this emergency money, you’re offsetting growth you have in other funds.

This includes your 401K, your education savings plans for your kids, paying above your credit card minimums, everything. Continuing to contribute without an emergency fund only continues to create a cycle of debt.  Put everything towards building your 3 months of savings, then you have the freedom to pay extra on these secondary accounts.

 

3. Find dollars in other places.

You don’t have to get a second job. You don’t have to live on water and ramen noodles. You just have to find other places in your life you can save money on things you’re already spending.

A great example is car insurance. Nerd Wallet published a study that showed the average amount of savings from shopping different car insurance plans was $800 a year.People assume that if they’ve been with one insurance company for a long period of time that they’re getting the best deal possible, but that’s just not true.

Once you have an emergency fund built up, you have the freedom to aggressively save towards your retirement and debt,.png

In reality, it’s more like your cable bill. You’ll get a good deal up front and every year after that they start to increase what you owe.

Shop around for new insurance plans and you’ll be surprised with how much you can save.

Once you have an emergency fund built up, you have the freedom to aggressively save towards your retirement and debt, without working 80 hours a week and without continuing your credit card swiping cycle of debt and payments.

One of my favorite things to do is work with people to help them find more money in their lives without making drastic changes. It's amazing how dramatic impact doesn't always require dramatic lifestyle changes.

If you want help with your life's finances, please take the first step. Sign up for a free consultation and together we can step back to look at your overall financial situation. We’ll create a strategy to help you get traction on your savings and get you out of that cycle of debt.

Have Someone Analyze My Financial SituationLearn All About More Than Money

]]> URGENT: How To Be Ready For A Money Emergency Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:23:42 60% of Americans aren't ready for a $1,000 emergency! Liquid cash. Do you have enough? Here's how to be ready for WHEN the next financial emergency hits your family. 60% of Americans aren't ready for a $1,000 emergency! Liquid cash. Do you have enough? Here's how to be ready for WHEN the next financial emergency hits your family. no full 75 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:5a5ea22053450ae875ed7008 Will Inflation Make An Influential Return in 2018?

Will inflation make a return in 2018? The rate of inflation has been way below expectations for the last couple of years. For most of us, this isn’t a problem, but you should be wary.

Most of us would never complain about this, because we like not having to pay an increased price for our goods and services..png

While I don’t want to waste too much of your time going over what specifically causes inflation, I know we’re all familiar with the idea that our money loses its value over time. Typically, inflation each year is estimated at 3%, but for the last few years it’s been under 2%. Most of us would never complain about this, because we like not having to pay an increased price for our goods and services.

Economists have no idea why this has happened, butin December, a report came out saying we can expect an uptick in the inflation rate. If we find ourselves moving back to the normal 3% rate of inflation, you need to know what impact that will have on your savings plans. There are two groups of people I worry about when it comes to planning for inflation: those near retirement with “Lazy Money” and those who are creating retirement plans.

There are two groups of people I worry about when it comes to planning for inflation: those near retirement with “Lazy Money” and those who are creating retirement plans.

Savings that I consider part of lazy money are those that are not growing with inflation..png

If you’re nearing or in retirement now, you need to be aware of how much money is what I like to call “Lazy Money.” This is money that people have sitting in cash, a saving account or CDs. Savings that I consider part of lazy money are those that are not growing with inflation. I can give you countless stories of people who ended up not having enough money for retirement because too much of their savings was lazy money instead of investments. When the inflation rate goes up, what happens to everything sitting in your savings account? You essentially end up losing money over time, because your savings are losing their value with no growth to make up for it. I understand why people are nervous about investing their savings. They’re nervous about losing everything they’ve worked for, but you need to find a way to balance out the lazy money in your portfolio.

You essentially end up losing money over time, because your savings are losing their value with no growth to make up for it.

Most people forget about inflation when they make their own savings plans..png

If you are working on your retirement plan right now, have you factored in the effect of inflation long term? Most people forget about inflation when they make their own savings plans. They create these huge, intricate spreadsheets to plan for their future, but typically leave out the expected rate of inflation. This rate affects not only how much you should save year-to-year but also how much you’ll need to draw out of your savings once you retire. If you don’t adjust your plan for inflation, you run the risk of running out of money.

This is also a big problem I see with people who have built their retirement plan with financial planners. Many financial planners will create extensive plans for their clients, give it to them with a few suggestions and send them on their way without ever speaking to them again. What’s the issue with that? This initial plan is static and just a starting point.

Many financial planners will create extensive plans for their clients, give it to them with a few suggestions and send them on their way without ever speaking to them again.

Think of it like this: remember before everyone’s phones had GPS? You have to use Mapquest or a real map to figure out how to get to a new destination. It was fine for road-by-road instructions to get where you were going, but if there was a traffic jam or road work, you didn’t know how to adjust your route. Unlike these new GPS apps like Waze, which adjust your route as you go to help you avoid traffic and get to your destination as quickly as possible. Your life isn’t like Mapquest. It’s like Waze and your financial plan should reflect that.

Your life isn’t like Mapquest, it’s like Waze and your financial plan should reflect that..png

If you made a plan with an advisor 5 to 10 years ago, even if they calculated for inflation, make sure you take a second look at everything and update it as things change. You need to come to terms with how unexpected things, like inflation, will impact you, whether your savings are in cash and not growing or your homemade plan hasn’t been updated recently. Planning for retirement is a moving target. It can change dramatically from year to year. You have no idea what your life will look like in six years or even six months. You want to create a plan that you constantly reevaluate and change as your life evolves.

Planning for retirement is a moving target. It can change dramatically from year to year.

We update your plan as life happens to make sure it works best for you. Life isn’t static and your retirement plan should not’ be either..png

That’s where I can help. I’m going to be a bit of nerd and brag about the software we have available for you. It is so cool!

The first thing you see when you open up your account is absolutely everything in your portfolio: your savings account, your investments, your 401k, everything. It also has the most advanced program to create a retirement plan for you. We can go in at anytime and evaluate your plan based on how your financial situation looks at that exact moment. We update your plan as life happens to make sure it works best for you. Life isn’t static and your retirement plan should not’ be either.

 

You don’t have to live with concern or anxiety about your future. We’ll create a clear, specific savings plan that changes as your life does.

 

Sign Up For A Free ConsultationGet to Know More Than Money

]]> Fri, 19 Jan 2018 10:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/will-inflation-make-an-influential-aec1f93e

Will inflation make a return in 2018? The rate of inflation has been way below expectations for the last couple of years. For most of us, this isn’t a problem, but you should be wary.

Most of us would never complain about this, because we like not having to pay an increased price for our goods and services..png

While I don’t want to waste too much of your time going over what specifically causes inflation, I know we’re all familiar with the idea that our money loses its value over time. Typically, inflation each year is estimated at 3%, but for the last few years it’s been under 2%. Most of us would never complain about this, because we like not having to pay an increased price for our goods and services.

Economists have no idea why this has happened, butin December, a report came out saying we can expect an uptick in the inflation rate. If we find ourselves moving back to the normal 3% rate of inflation, you need to know what impact that will have on your savings plans. There are two groups of people I worry about when it comes to planning for inflation: those near retirement with “Lazy Money” and those who are creating retirement plans.

There are two groups of people I worry about when it comes to planning for inflation: those near retirement with “Lazy Money” and those who are creating retirement plans.

Savings that I consider part of lazy money are those that are not growing with inflation..png

If you’re nearing or in retirement now, you need to be aware of how much money is what I like to call “Lazy Money.” This is money that people have sitting in cash, a saving account or CDs. Savings that I consider part of lazy money are those that are not growing with inflation. I can give you countless stories of people who ended up not having enough money for retirement because too much of their savings was lazy money instead of investments. When the inflation rate goes up, what happens to everything sitting in your savings account? You essentially end up losing money over time, because your savings are losing their value with no growth to make up for it. I understand why people are nervous about investing their savings. They’re nervous about losing everything they’ve worked for, but you need to find a way to balance out the lazy money in your portfolio.

You essentially end up losing money over time, because your savings are losing their value with no growth to make up for it.

Most people forget about inflation when they make their own savings plans..png

If you are working on your retirement plan right now, have you factored in the effect of inflation long term? Most people forget about inflation when they make their own savings plans. They create these huge, intricate spreadsheets to plan for their future, but typically leave out the expected rate of inflation. This rate affects not only how much you should save year-to-year but also how much you’ll need to draw out of your savings once you retire. If you don’t adjust your plan for inflation, you run the risk of running out of money.

This is also a big problem I see with people who have built their retirement plan with financial planners. Many financial planners will create extensive plans for their clients, give it to them with a few suggestions and send them on their way without ever speaking to them again. What’s the issue with that? This initial plan is static and just a starting point.

Many financial planners will create extensive plans for their clients, give it to them with a few suggestions and send them on their way without ever speaking to them again.

Think of it like this: remember before everyone’s phones had GPS? You have to use Mapquest or a real map to figure out how to get to a new destination. It was fine for road-by-road instructions to get where you were going, but if there was a traffic jam or road work, you didn’t know how to adjust your route. Unlike these new GPS apps like Waze, which adjust your route as you go to help you avoid traffic and get to your destination as quickly as possible. Your life isn’t like Mapquest. It’s like Waze and your financial plan should reflect that.

Your life isn’t like Mapquest, it’s like Waze and your financial plan should reflect that..png

If you made a plan with an advisor 5 to 10 years ago, even if they calculated for inflation, make sure you take a second look at everything and update it as things change. You need to come to terms with how unexpected things, like inflation, will impact you, whether your savings are in cash and not growing or your homemade plan hasn’t been updated recently. Planning for retirement is a moving target. It can change dramatically from year to year. You have no idea what your life will look like in six years or even six months. You want to create a plan that you constantly reevaluate and change as your life evolves.

Planning for retirement is a moving target. It can change dramatically from year to year.

We update your plan as life happens to make sure it works best for you. Life isn’t static and your retirement plan should not’ be either..png

That’s where I can help. I’m going to be a bit of nerd and brag about the software we have available for you. It is so cool!

The first thing you see when you open up your account is absolutely everything in your portfolio: your savings account, your investments, your 401k, everything. It also has the most advanced program to create a retirement plan for you. We can go in at anytime and evaluate your plan based on how your financial situation looks at that exact moment. We update your plan as life happens to make sure it works best for you. Life isn’t static and your retirement plan should not’ be either.

 

You don’t have to live with concern or anxiety about your future. We’ll create a clear, specific savings plan that changes as your life does.

 

Sign Up For A Free ConsultationGet to Know More Than Money

]]> Will Inflation Make An Influential Return in 2018? Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:23:05 Inflation can destroy your retirement plans. The rate of inflation has been way below expectations for the last couple of years. For most of us, this isn’t a problem, but you should be wary. Inflation can destroy your retirement plans. The rate of inflation has been way below expectations for the last couple of years. For most of us, this isn’t a problem, but you should be wary. no full 74 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:5a5ea67dc8302548e7f80df6 This is How Financial Advisors Should EARN Your Money

If you currently have a financial advisor, how much are you paying them and what are they doing to earn that money?

We looked over his portfolio and discovered he had paid his advisor over $8,250 in the last year..png

I recently had a new client come in because he was nervous about the risky investments his advisor had set up for him. We looked over his portfolio and discovered he had paid his advisor over $8,250 in the last year.

This is a serious problem.

Most of the financial planning industry is run on a suitability standard. This means when you sell an investment product, your advisor gets all of their commissions upfront. If they meet with you again the next year and you decide not to sell anything, they don’t get any money. The suitability standard is a bit tricky because it encourages advisors to make their customers sell before they should so they can receive a commission.

The suitability standard is a bit tricky because it encourages advisors to make their customers sell before they should so they can receive a commission.

Management fees work better, because you know that your advisor’s interests are in line with yours..png

Many advisors, myself included, instead have a management fee. My fee starts at about 1% and drops with the more money you have.

Management fees work better, because you know that your advisor’s interests are in line with yours. The more money you make, the more money I make.

This client was paying his advisor a management fee of more than 1.5%, which is higher than average. The client had over $550,000 in an IRA, so the fee he paid annually close to $8,250.

Overall, that doesn’t seem like much, but that was more than he earned each month.

It was also more than he paid for any vacation that he had ever taken.

That was more than he paid on his mortgage all last year.

A fee of 1.5% sounds small but was actually a large chunk of his savings.

A fee of 1.5% sounds small but was actually a large chunk of his savings.

It Get's Worse For Him...

What I found as I dug deeper into this client's accounts was even more disturbing. He was on regular, boiler plate mutual funds that he could have signed up for on his own. What’s worse is that 90% of his portfolio was sitting in stocks or in equities, even though he was nearing retirement. That’s extremely aggressive and dangerous.

Think of the percentage of your savings in equities like a speedometer. The faster you’re going, the faster you’ll get to your destination. If there is an accident though, the damage will be much worse. If something bad were to happen to his investments, he would lose almost everything he’d saved for.

He also hadn’t spoken to his advisor in about 15 months.

He had never done income planning with his advisor or even went by to see him for a review.

He was put into a basic investment plan and never adjusted.

The advisor hadn’t done much more than he could have done for himself, but was getting paid over $8000 a year.

This customer was making good money from his advisor, but was also risking most of his retirement funds. The job of a good advisor is not to make the most money possible. It is to make sure their customer is set up for a comfortable retirement.

The job of a good advisor is not to make the most money possible. It is to make sure their customer is set up for a comfortable retirement.

I understand more than anyone that financial advisors need to charge fees. I have a business to run. I have a family. I want to make money and save for my future just like everyone else, but it’s important to me that my customers know what I’m doing to earn the money they give me.

Part of the problem is that people don’t realize how much they’re paying their advisors because they don’t write a check to them each month like you do for many other services. Instead, it’s taken out of the money that you earn and is in the fine print of your monthly statement. If you currently have an advisor, do you know how much you’re paying in fees? If you don’t know, you need to pull up your statement and figure it out.

it’s important to me that my customers know what I’m doing to earn that money they give me..png

I give you permission, whether you’ve been working with me or any other advisor, to ask questions during your annual review. Do not let the meeting stop with “Everything is good! We’ll see you next year.” Ask how much you paid your advisor in the last year and what they are doing to make sure you’re ready for the future.

Please let any fear that you’ll be offending your advisor melt away. It’s your money and your retirement on the line, so you have the right to ask.

I give you permission, whether you’ve been working with me or any other advisor, to ask questions during your annual review.

What Your Money Should Earn You

If you are paying a financial advisor, you should expect:

  • ongoing and regular meetings to monitor your progress.
  • a comprehensive financial plan not only a solitary financial tool.
  • a team to surround you with support.
  • an invested interest in your personal success.
  • explanation to how he or she is paid.

If you need a second opinion on your current retirement plan or need someone to analyze your agreement with another advisor, please reach out and take advantage of our free consultation.

We can meet in person, on GoToMeeting or over the phone to address your specific situation and the long-term goals you have for your life.

Get A Second Opinion Of Your Financial PlanLearn More About More Than Money

]]> Wed, 17 Jan 2018 10:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/this-is-how-financial-advisors-should-589a3141

If you currently have a financial advisor, how much are you paying them and what are they doing to earn that money?

We looked over his portfolio and discovered he had paid his advisor over $8,250 in the last year..png

I recently had a new client come in because he was nervous about the risky investments his advisor had set up for him. We looked over his portfolio and discovered he had paid his advisor over $8,250 in the last year.

This is a serious problem.

Most of the financial planning industry is run on a suitability standard. This means when you sell an investment product, your advisor gets all of their commissions upfront. If they meet with you again the next year and you decide not to sell anything, they don’t get any money. The suitability standard is a bit tricky because it encourages advisors to make their customers sell before they should so they can receive a commission.

The suitability standard is a bit tricky because it encourages advisors to make their customers sell before they should so they can receive a commission.

Management fees work better, because you know that your advisor’s interests are in line with yours..png

Many advisors, myself included, instead have a management fee. My fee starts at about 1% and drops with the more money you have.

Management fees work better, because you know that your advisor’s interests are in line with yours. The more money you make, the more money I make.

This client was paying his advisor a management fee of more than 1.5%, which is higher than average. The client had over $550,000 in an IRA, so the fee he paid annually close to $8,250.

Overall, that doesn’t seem like much, but that was more than he earned each month.

It was also more than he paid for any vacation that he had ever taken.

That was more than he paid on his mortgage all last year.

A fee of 1.5% sounds small but was actually a large chunk of his savings.

A fee of 1.5% sounds small but was actually a large chunk of his savings.

It Get's Worse For Him...

What I found as I dug deeper into this client's accounts was even more disturbing. He was on regular, boiler plate mutual funds that he could have signed up for on his own. What’s worse is that 90% of his portfolio was sitting in stocks or in equities, even though he was nearing retirement. That’s extremely aggressive and dangerous.

Think of the percentage of your savings in equities like a speedometer. The faster you’re going, the faster you’ll get to your destination. If there is an accident though, the damage will be much worse. If something bad were to happen to his investments, he would lose almost everything he’d saved for.

He also hadn’t spoken to his advisor in about 15 months.

He had never done income planning with his advisor or even went by to see him for a review.

He was put into a basic investment plan and never adjusted.

The advisor hadn’t done much more than he could have done for himself, but was getting paid over $8000 a year.

This customer was making good money from his advisor, but was also risking most of his retirement funds. The job of a good advisor is not to make the most money possible. It is to make sure their customer is set up for a comfortable retirement.

The job of a good advisor is not to make the most money possible. It is to make sure their customer is set up for a comfortable retirement.

I understand more than anyone that financial advisors need to charge fees. I have a business to run. I have a family. I want to make money and save for my future just like everyone else, but it’s important to me that my customers know what I’m doing to earn the money they give me.

Part of the problem is that people don’t realize how much they’re paying their advisors because they don’t write a check to them each month like you do for many other services. Instead, it’s taken out of the money that you earn and is in the fine print of your monthly statement. If you currently have an advisor, do you know how much you’re paying in fees? If you don’t know, you need to pull up your statement and figure it out.

it’s important to me that my customers know what I’m doing to earn that money they give me..png

I give you permission, whether you’ve been working with me or any other advisor, to ask questions during your annual review. Do not let the meeting stop with “Everything is good! We’ll see you next year.” Ask how much you paid your advisor in the last year and what they are doing to make sure you’re ready for the future.

Please let any fear that you’ll be offending your advisor melt away. It’s your money and your retirement on the line, so you have the right to ask.

I give you permission, whether you’ve been working with me or any other advisor, to ask questions during your annual review.

What Your Money Should Earn You

If you are paying a financial advisor, you should expect:

  • ongoing and regular meetings to monitor your progress.
  • a comprehensive financial plan not only a solitary financial tool.
  • a team to surround you with support.
  • an invested interest in your personal success.
  • explanation to how he or she is paid.

If you need a second opinion on your current retirement plan or need someone to analyze your agreement with another advisor, please reach out and take advantage of our free consultation.

We can meet in person, on GoToMeeting or over the phone to address your specific situation and the long-term goals you have for your life.

Get A Second Opinion Of Your Financial PlanLearn More About More Than Money

]]> This is How Financial Advisors Should EARN Your Money Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:18:09 Yes - fees are often a part of finances, but be sure you are getting what you pay for! Yes - fees are often a part of finances, but be sure you are getting what you pay for! no full 72 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:5a554e91c830255d57062578 Lightning Round: Paying for College & Taking Out Loans

Leeann: Our son will be a freshman in college next fall and will probably be going to school out of state, which we didn’t expect. We and his grandparents have put money into a 529 plan for him, but this will only cover a portion. Do you have any thoughts on paying for college and/or taking out loans?

This is the season for people to think about paying for college. Student loan debt is going through the roof in this country. If you want to pay for your student’s college, I have a few suggestions. IRAs and Roth IRAs can be used for education as well. If you and your husband are under 59, you know you can not take money out of your IRA without a penalty and will taxed on it. But if you’re taking money out for college and you have an IRA, you will still be taxed for this money but they will waive the penalty. If you have a Roth IRA, which is already tax free, you get those qualified educational expenses without taxes or penalty.

Danger: remember your priorities.

What is most important is that you and husband are prepared for retirement. You should be cautious about digging deep into your retirement plans. I know our kids are the most important thing in the world to us but you will not be doing your kids a favor by putting yourself in a bad situation. If you have to move in with your kids later on in life because you don’t have enough to live on your own, that doesn’t benefit them.

You can take out loans, yourself or your student.

Be cautious though of the level of debt you’re taking.

Be honest with your kid about how much you have saved.

Let them know what you can cover and what you can’t. Give clear boundaries.

 

Ask A Question

]]> Fri, 12 Jan 2018 10:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/lightning-round-paying-for-college-dcaf42c0

Leeann: Our son will be a freshman in college next fall and will probably be going to school out of state, which we didn’t expect. We and his grandparents have put money into a 529 plan for him, but this will only cover a portion. Do you have any thoughts on paying for college and/or taking out loans?

This is the season for people to think about paying for college. Student loan debt is going through the roof in this country. If you want to pay for your student’s college, I have a few suggestions. IRAs and Roth IRAs can be used for education as well. If you and your husband are under 59, you know you can not take money out of your IRA without a penalty and will taxed on it. But if you’re taking money out for college and you have an IRA, you will still be taxed for this money but they will waive the penalty. If you have a Roth IRA, which is already tax free, you get those qualified educational expenses without taxes or penalty.

Danger: remember your priorities.

What is most important is that you and husband are prepared for retirement. You should be cautious about digging deep into your retirement plans. I know our kids are the most important thing in the world to us but you will not be doing your kids a favor by putting yourself in a bad situation. If you have to move in with your kids later on in life because you don’t have enough to live on your own, that doesn’t benefit them.

You can take out loans, yourself or your student.

Be cautious though of the level of debt you’re taking.

Be honest with your kid about how much you have saved.

Let them know what you can cover and what you can’t. Give clear boundaries.

 

Ask A Question

]]> Lightning Round: Paying for College & Taking Out Loans Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:08:22 Chris takes a minute to answer a question sent in by Leeann about her son's upcoming college tuition. Chris takes a minute to answer a question sent in by Leeann about her son's upcoming college tuition. no full 71 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:5a542a9553450a6b369afce7 Look At This Before You Contribute More to Your 401K

There is the potential that 401Ks can be positive for employees and employers both, but this study is saying: Wait a minute!

Now, decades later, everyone who bought into these is finding their prices are increasing because they’ve eaten up all the money that had been invested in the past. _______(8).png

I recently saw a fascinating study that concluded that having a 401K leads to higher debt. The main reason for this is the move towards automatic 401K enrollment by employers. It used to be that if you joined a new company, you had to sign up if you wanted to contribute to a 401K. If you have to take action to do something, the chances of you doing it are less than if it is automatic. Companies moved to automatic enrollment because they could get having savings levels from those employees. There is the potential that 401Ks can be positive for employees and employers both, but this study is saying: Wait a minute!

These employees automatically enrolled are carrying more debt than those who are not enrolled. It’s not credit card debit, which is good, but is mostly car loans and mortgages. My experience with this is that this is because people give as much as they can to their 401K as soon as they’re able. Why is this bad? Because these people are not building a foundational savings amount before putting money into their 401K.

You should not contribute to your 401K until you’ve built a foundation.

Now, decades later, everyone who bought into these is finding their prices are increasing because they’ve eaten up all the money that had been invested in the past. _______(9).png

You should not contribute to your 401K until you’ve built a foundation. When you put money into a 401K, that money is tied up in inaccessible without large penalties. Instead of building up a savings account, you have money in an account that you can’t access for decades.

How, though, does that contribute to debt? If you don’t have liquid savings in your account even if you contribute as much as you can into your 401K, what money can you use when you want to make a large purchase or have an emergency? You’ll need to take out a loan. This is okay short-term but it will cripple your long-term growth.

Ask yourself how much money you have in your savings account. Is it enough for your live comfortably on for 3 months?

Now, decades later, everyone who bought into these is finding their prices are increasing because they’ve eaten up all the money that had been invested in the past. _______(10).png

I have a challenge for you this year...

Figure out how much you want to put into your 401K and create a plan to do that. Then instead of starting that plan, pause. Now, ask yourself how much money you have in your savings account. Is it enough for your live comfortably on for 3 months? If the answer is no, consider stopping contributions to your 401K and get your savings account up to that level. It’s worth missing up to a year of your 401K benefits to have this emergency fund available. You’ll have more peace of mind and a better foundation going forward. You can act aggressively because you have liquid savings available on the side.

Some reading this will say: that’s great advice for my kids or grandkids, but this also applies to you! You’re right, the advice given to young people today is to get a job and start investing in your 401K as soon as possible. Again, this advice can apply to anyone who is reading.

If you have a large amount of debt but you’re still contributing to your 401K, my challenge above is great for you. Spend this year tackling your debt, building your foundation and then contribute as much as you can in the future. Without your founding, your debt will only increase.

We can help you figure out how to get you out of your stressful debt.

If you don’t know how to manage your debt and it’s overwhelming, please know you can get out of it. We are a great resource for you. You can set up a free consultation today and we ** can help you figure out how to get you out of your stressful debt.**

It’s not rocket science but it does require a plan, which we can help you put together.

Make A Plan To Get Out Of DebtLearn More About More Than Money

]]> Thu, 11 Jan 2018 10:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/look-at-this-before-you-contribute-more-a8f24655

There is the potential that 401Ks can be positive for employees and employers both, but this study is saying: Wait a minute!

Now, decades later, everyone who bought into these is finding their prices are increasing because they’ve eaten up all the money that had been invested in the past. _______(8).png

I recently saw a fascinating study that concluded that having a 401K leads to higher debt. The main reason for this is the move towards automatic 401K enrollment by employers. It used to be that if you joined a new company, you had to sign up if you wanted to contribute to a 401K. If you have to take action to do something, the chances of you doing it are less than if it is automatic. Companies moved to automatic enrollment because they could get having savings levels from those employees. There is the potential that 401Ks can be positive for employees and employers both, but this study is saying: Wait a minute!

These employees automatically enrolled are carrying more debt than those who are not enrolled. It’s not credit card debit, which is good, but is mostly car loans and mortgages. My experience with this is that this is because people give as much as they can to their 401K as soon as they’re able. Why is this bad? Because these people are not building a foundational savings amount before putting money into their 401K.

You should not contribute to your 401K until you’ve built a foundation.

Now, decades later, everyone who bought into these is finding their prices are increasing because they’ve eaten up all the money that had been invested in the past. _______(9).png

You should not contribute to your 401K until you’ve built a foundation. When you put money into a 401K, that money is tied up in inaccessible without large penalties. Instead of building up a savings account, you have money in an account that you can’t access for decades.

How, though, does that contribute to debt? If you don’t have liquid savings in your account even if you contribute as much as you can into your 401K, what money can you use when you want to make a large purchase or have an emergency? You’ll need to take out a loan. This is okay short-term but it will cripple your long-term growth.

Ask yourself how much money you have in your savings account. Is it enough for your live comfortably on for 3 months?

Now, decades later, everyone who bought into these is finding their prices are increasing because they’ve eaten up all the money that had been invested in the past. _______(10).png

I have a challenge for you this year...

Figure out how much you want to put into your 401K and create a plan to do that. Then instead of starting that plan, pause. Now, ask yourself how much money you have in your savings account. Is it enough for your live comfortably on for 3 months? If the answer is no, consider stopping contributions to your 401K and get your savings account up to that level. It’s worth missing up to a year of your 401K benefits to have this emergency fund available. You’ll have more peace of mind and a better foundation going forward. You can act aggressively because you have liquid savings available on the side.

Some reading this will say: that’s great advice for my kids or grandkids, but this also applies to you! You’re right, the advice given to young people today is to get a job and start investing in your 401K as soon as possible. Again, this advice can apply to anyone who is reading.

If you have a large amount of debt but you’re still contributing to your 401K, my challenge above is great for you. Spend this year tackling your debt, building your foundation and then contribute as much as you can in the future. Without your founding, your debt will only increase.

We can help you figure out how to get you out of your stressful debt.

If you don’t know how to manage your debt and it’s overwhelming, please know you can get out of it. We are a great resource for you. You can set up a free consultation today and we ** can help you figure out how to get you out of your stressful debt.**

It’s not rocket science but it does require a plan, which we can help you put together.

Make A Plan To Get Out Of DebtLearn More About More Than Money

]]> Look At This Before You Contribute More to Your 401K Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:18:42 There is the potential that 401Ks can be positive for employees and employers both, but this study is saying: Wait a minute! There is the potential that 401Ks can be positive for employees and employers both, but this study is saying: Wait a minute! no full 70 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:5a542421e4966b16d14e1f14 How to Have the Best Financial Year Now, decades later, everyone who bought into these is finding their prices are increasing because they’ve eaten up all the money that had been invested in the past. _______(1).png

Mirror, Mirror On The Wall Make 2018 The Richest of Them All

This time of the year the news is full of all kinds of:

  • investment tips
  • money tricks and hacks
  • and bold predictions for the year.

You’ll see articles predicting 2018, even books with people telling you what they think will happen in the next 12 months. 

if you’re a new client and you come into my office because you want me to tell you what is going to happen in the next year, you’re going to be Disappointed.

Myself, my staff and any other financial planner has absolutely no idea what will happen in the future. We have just as much of an idea as you do. If this is why you’re interested in financial planning, you’re better off going to a fortune teller. You’ll have more fun and the odds of what they tell you being right are exactly the same.

Now, decades later, everyone who bought into these is finding their prices are increasing because they’ve eaten up all the money that had been invested in the past. _______(2).png

So, How Should I Plan My Investments Without Trusting Predictions?

I want you to pause right now.

Think about your investments.

What is the basis for your investment. Are you investing based on your gut or actual market data and research? Be honest with yourself.

Most of us invest based on our gut and that’s the number one thing you want to avoid in 2018.

The worst thing you could do is trust your gut.

It’s incredibly dangerous to trust your instinct and most of us don’t even realize we’re doing it. If you make decisions about your investments based on what you think is going well, what is going poorly, what makes us anxious or even based on your personality, you’re using your gut to make financial decisions.

Being overly aggressive or too conservative based on your gut decisions can be a disaster for your financial planning.

You may not know if you fall into one of those categories, so let me explain more before I reveal my advice to have you look back on this year as one you experince incredible peace and growth.

Now, decades later, everyone who bought into these is finding their prices are increasing because they’ve eaten up all the money that had been invested in the past. _______(3).png

What Does An Aggressive Investor Look Like?
 

There are two main kinds of aggressive investors that I get in my office: the first is the person who has no idea they’re aggressive and the second is the person who is being aggressive on purpose.

Recently I was talking to a couple in that was nearing retirement and were very laid back.

When I asked them if they considered themselves aggressive investors and they told me no. Then, I looked at their 401K and saw that a large percentage of their savings was in equities, or money from investments. It was a variety of investments and all in large companies, but it was still nearly 85% of their savings. I pointed this out to the couple and they replied, “Yes, but all our investments are pretty safe.”

This is the problem I’m seeing often.

The incredible growth we’re seeing right now is lulling people into a false sense of safety. If the market were to have a regular correction, nothing extreme, but just a balancing out from the growth we’d seen, they would be in serious trouble.

If you’re near retirement, you should worry about this high percentage as it makes your savings very volatile.

I also have people come in who are upfront about being aggressive investors, even though they are closer to retirement. They tell me they’re doing it on purpose to make up for “lost ground” when they didn’t properly invest and save in their 20s or 30s. They were is they’re not aggressive they won’t be able to retire. This is not the case and is incredibly dangerous.

If this situation applies to you, you are lucky you haven’t lost your savings already. Capture the growth you’ve had up to this point and find a way to steadily grow going forward without being too risky. Sure, the market may continue to grow in the next year but that small chance is not worth losing all you’ve saved up. It’s not worth risking your future.

Now, decades later, everyone who bought into these is finding their prices are increasing because they’ve eaten up all the money that had been invested in the past. _______(5).png

What Does A Conservative Investor Look Like?
 

I saw an article from the Wall Street Journal recently that talked about “The Hated Bull Market.”

Right now, more than we’ve ever seen, people are trying to get out of their stocks despite that high growth. The market is still thriving and growing, but that’s because it is getting money from corporations and international investments, not from individuals. People are pulling out and feeling wary instead of buying in. They see that there is amazing growth right now and think it can’t last. This is no different than making decisions based on your gut.

If you decide to get sell out of your investments because of how you’re feeling rather than based on data, you could lose money and miss out on a more comfortable future. These aggressive investors and those who are conservative are two sides of the same coin: people who invest based on their gut.

Now, decades later, everyone who bought into these is finding their prices are increasing because they’ve eaten up all the money that had been invested in the past. _______(6).png

Don’t Use Predictions. Don’t Use Your Gut. What’s Your Other Option?

Investing is tied to your financial situation. I get so frustrated when I meet someone who says they spoke to a financial planner for about 15 minutes, they looked over everything and make suggestions on where that person should invest.

It’s impossible to make a valid suggestion based on such a short meeting.

The purpose of investing is not to get a huge pile of money. It is to get you where you want to be for retirement.

Recently, a couple came in, they were both nearing retirement and were worried. They asked me how much they need to have saved before they retire, but that’s not a simple answer. It’s not about the number in your 401K. Instead, we do an “MRI” of your accounts. We’re able to look at how much risk they have, based on their guaranteed income after retirement, their taxes and their estate planning. Knowing your risk tells you when you’ll be at a good place to retire.

You can have millions of dollars in savings and still not be ready to retire.The most heartbreaking conversation I’ve had in my office was with a couple that had an incredible amount of money in their 401K and thought they were in a great place to retire. When we did our “MRI” though, we found that if they continued their current lifestyle they would only be able to survive on their savings for 5 years.

The point is this: don’t invest based on your gut or predictions, do it based on the plans you have for the future. This is not a subtle difference. You need to be investing based on your total financial situation and the risk you can take. Financial planners can help you evaluate that risk and make good investment decisions.

Now, decades later, everyone who bought into these is finding their prices are increasing because they’ve eaten up all the money that had been invested in the past. _______(7).png

How You Can Have The Best Financial Year
 

The thing I hate about most financial planners is that when new clients come in, they give them a “financial risk questionnaire”. It helps evaluate your risk tolerance, but the problem is that it’s mostly based off their clients' emotions. If the market is doing well, almost everyone is comfortable with risk, but as soon as things start to go down, their feelings change.

To me, it’s more important that we’re blunt with each other about the risk you can actually handle. It doesn’t matter how you feel about it. It’s about how much your savings can drop if you continue to invest the way you are currently. Is your risk sustainable? We can show you data and research to support our evaluation of your risk.

What’s the result? Peace in your financial future.

You know that even if things go badly, you’re still going to be okay. This is the only form of planning I’ve seen be truly successful because you know what you can handle.

If you know in your heart that you are investing with your gut, make this the year you start planning based on what you want for your future.

If you know in your heart that you are investing with your gut, make this the year you start planning based on what you want for your future. If you know how to do that, you’ll find so much more peace as you go into this year. If you don’t know where to start, we will help. We’ll evaluate your risk and see how to get you to the future you’ve dreamed about.

Find Peace Of Mind This Year 

]]> Wed, 10 Jan 2018 10:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/how-to-have-the-best-financial-year-41c2d1cd Now, decades later, everyone who bought into these is finding their prices are increasing because they’ve eaten up all the money that had been invested in the past. _______(1).png

Mirror, Mirror On The Wall Make 2018 The Richest of Them All

This time of the year the news is full of all kinds of:

  • investment tips
  • money tricks and hacks
  • and bold predictions for the year.

You’ll see articles predicting 2018, even books with people telling you what they think will happen in the next 12 months. 

if you’re a new client and you come into my office because you want me to tell you what is going to happen in the next year, you’re going to be Disappointed.

Myself, my staff and any other financial planner has absolutely no idea what will happen in the future. We have just as much of an idea as you do. If this is why you’re interested in financial planning, you’re better off going to a fortune teller. You’ll have more fun and the odds of what they tell you being right are exactly the same.

Now, decades later, everyone who bought into these is finding their prices are increasing because they’ve eaten up all the money that had been invested in the past. _______(2).png

So, How Should I Plan My Investments Without Trusting Predictions?

I want you to pause right now.

Think about your investments.

What is the basis for your investment. Are you investing based on your gut or actual market data and research? Be honest with yourself.

Most of us invest based on our gut and that’s the number one thing you want to avoid in 2018.

The worst thing you could do is trust your gut.

It’s incredibly dangerous to trust your instinct and most of us don’t even realize we’re doing it. If you make decisions about your investments based on what you think is going well, what is going poorly, what makes us anxious or even based on your personality, you’re using your gut to make financial decisions.

Being overly aggressive or too conservative based on your gut decisions can be a disaster for your financial planning.

You may not know if you fall into one of those categories, so let me explain more before I reveal my advice to have you look back on this year as one you experince incredible peace and growth.

Now, decades later, everyone who bought into these is finding their prices are increasing because they’ve eaten up all the money that had been invested in the past. _______(3).png

What Does An Aggressive Investor Look Like?
 

There are two main kinds of aggressive investors that I get in my office: the first is the person who has no idea they’re aggressive and the second is the person who is being aggressive on purpose.

Recently I was talking to a couple in that was nearing retirement and were very laid back.

When I asked them if they considered themselves aggressive investors and they told me no. Then, I looked at their 401K and saw that a large percentage of their savings was in equities, or money from investments. It was a variety of investments and all in large companies, but it was still nearly 85% of their savings. I pointed this out to the couple and they replied, “Yes, but all our investments are pretty safe.”

This is the problem I’m seeing often.

The incredible growth we’re seeing right now is lulling people into a false sense of safety. If the market were to have a regular correction, nothing extreme, but just a balancing out from the growth we’d seen, they would be in serious trouble.

If you’re near retirement, you should worry about this high percentage as it makes your savings very volatile.

I also have people come in who are upfront about being aggressive investors, even though they are closer to retirement. They tell me they’re doing it on purpose to make up for “lost ground” when they didn’t properly invest and save in their 20s or 30s. They were is they’re not aggressive they won’t be able to retire. This is not the case and is incredibly dangerous.

If this situation applies to you, you are lucky you haven’t lost your savings already. Capture the growth you’ve had up to this point and find a way to steadily grow going forward without being too risky. Sure, the market may continue to grow in the next year but that small chance is not worth losing all you’ve saved up. It’s not worth risking your future.

Now, decades later, everyone who bought into these is finding their prices are increasing because they’ve eaten up all the money that had been invested in the past. _______(5).png

What Does A Conservative Investor Look Like?
 

I saw an article from the Wall Street Journal recently that talked about “The Hated Bull Market.”

Right now, more than we’ve ever seen, people are trying to get out of their stocks despite that high growth. The market is still thriving and growing, but that’s because it is getting money from corporations and international investments, not from individuals. People are pulling out and feeling wary instead of buying in. They see that there is amazing growth right now and think it can’t last. This is no different than making decisions based on your gut.

If you decide to get sell out of your investments because of how you’re feeling rather than based on data, you could lose money and miss out on a more comfortable future. These aggressive investors and those who are conservative are two sides of the same coin: people who invest based on their gut.

Now, decades later, everyone who bought into these is finding their prices are increasing because they’ve eaten up all the money that had been invested in the past. _______(6).png

Don’t Use Predictions. Don’t Use Your Gut. What’s Your Other Option?

Investing is tied to your financial situation. I get so frustrated when I meet someone who says they spoke to a financial planner for about 15 minutes, they looked over everything and make suggestions on where that person should invest.

It’s impossible to make a valid suggestion based on such a short meeting.

The purpose of investing is not to get a huge pile of money. It is to get you where you want to be for retirement.

Recently, a couple came in, they were both nearing retirement and were worried. They asked me how much they need to have saved before they retire, but that’s not a simple answer. It’s not about the number in your 401K. Instead, we do an “MRI” of your accounts. We’re able to look at how much risk they have, based on their guaranteed income after retirement, their taxes and their estate planning. Knowing your risk tells you when you’ll be at a good place to retire.

You can have millions of dollars in savings and still not be ready to retire.The most heartbreaking conversation I’ve had in my office was with a couple that had an incredible amount of money in their 401K and thought they were in a great place to retire. When we did our “MRI” though, we found that if they continued their current lifestyle they would only be able to survive on their savings for 5 years.

The point is this: don’t invest based on your gut or predictions, do it based on the plans you have for the future. This is not a subtle difference. You need to be investing based on your total financial situation and the risk you can take. Financial planners can help you evaluate that risk and make good investment decisions.

Now, decades later, everyone who bought into these is finding their prices are increasing because they’ve eaten up all the money that had been invested in the past. _______(7).png

How You Can Have The Best Financial Year
 

The thing I hate about most financial planners is that when new clients come in, they give them a “financial risk questionnaire”. It helps evaluate your risk tolerance, but the problem is that it’s mostly based off their clients' emotions. If the market is doing well, almost everyone is comfortable with risk, but as soon as things start to go down, their feelings change.

To me, it’s more important that we’re blunt with each other about the risk you can actually handle. It doesn’t matter how you feel about it. It’s about how much your savings can drop if you continue to invest the way you are currently. Is your risk sustainable? We can show you data and research to support our evaluation of your risk.

What’s the result? Peace in your financial future.

You know that even if things go badly, you’re still going to be okay. This is the only form of planning I’ve seen be truly successful because you know what you can handle.

If you know in your heart that you are investing with your gut, make this the year you start planning based on what you want for your future.

If you know in your heart that you are investing with your gut, make this the year you start planning based on what you want for your future. If you know how to do that, you’ll find so much more peace as you go into this year. If you don’t know where to start, we will help. We’ll evaluate your risk and see how to get you to the future you’ve dreamed about.

Find Peace Of Mind This Year 

]]> How to Have the Best Financial Year Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:28:32 This time of the year the news is full of all kinds of investment tips, money hacks, and bold predictions for the year. We tell you a way we consistently see our clients find finacial peace and how you can go end 2018 having your best finacnail year. This time of the year the news is full of all kinds of investment tips, money hacks, and bold predictions for the year. We tell you a way we consistently see our clients find finacial peace and how you can go end 2018 having your best finacnail year. no full 69 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:5a36a7870d92972a1988aa12 Understanding If Your 'Permanent' Life Insurance Is Really Permanent I had a client call me this week and talk to me a problem his mother was having. She’s been paying $200 a month for over 25 years for a what she thought was a permanent life insurance policy, but she received a letter in the mail saying her premium was going to increase to $600 per month or she’d lose her coverage. She doesn't have much money and this was the only way she was able to leave something for children and grandchildren.

Now she’s devastated.

This is not an isolated incident and it’s something we need to talk about.

This is not an isolated incident and it’s something we need to talk about.

People purchase policies all the time and aren’t properly informed of what they’re buying into..png

Life insurance is complex. People purchase policies all the time and aren’t properly informed of what they’re buying into , or the person who sells the policy to them explains it all in detail but that was 30 years ago. How can you be expected to remember everything they said? So I’m going to give you a quick history of life insurance.

Traditionally, there was only one type of life insurance, whole life insurance. You paid one fixed amount and you had a guaranteed death benefit. The whole life insurance companies knew no matter what that one day they’d have to pay your death benefit, so there was a higher monthly cost.

The whole life insurance companies knew no matter what that one day they’d have to pay your death benefit, so there was a higher monthly cost.

Then, in the 1970s, Arthur William, a Pennsylvania gym teacher, had his father pass away unexpectedly. He had a whole life insurance policy that left his wife around $25,000. The problem is Arthur knew that was no enough for his mother to live on and realized what his father should have bought was a term life insurance policy.

Term Life insurance has as guaranteed death benefit and a guaranteed premium, just like whole life insurance, but since it’s only valid for a certain period of time.png

Term Life insurance has a guaranteed death benefit and a guaranteed premium, just like whole life insurance, but since it’s only valid for a certain period of time , such as twenty years, the companies know they’re not likely to have to pay that death benefit out to everyone covered by them. This makes it much less expensive. Arthur began campaigning and encouraging people to purchase term life insurance with the slogan, “But term, invest the difference.” Meaning you could pay a low cost term life insurance policy and invest the money you saved compared to a whole insurance policy into the stock market. This began popular phrase at the time, mainly because people believe that no matter what, if you invested you’d become a millionaire. Of course, now we know better.

The insurance companies realized they were in trouble because they weren’t getting the same income they received from the whole life insurance. So they invented something new: universal life insurance.

Once everyone began buying into term life insurance, the insurance companies realized they were in trouble because they weren’t getting the same income they received from the whole life insurance.

So they invented something new: universal life insurance.

It’s less expensive and allows you to invest in the product. The big difference is that it’s an annually renewing policy so the price would go up exponentially as you got older. To compensate for this, they show you a chart up front and estimate a consistent price you can pay through your policy as long as the market performs as expected. You could pay $200 a month, which is much more than you need to pay when you’re younger and that extra money would be invested and applied to the higher amount you would have been required to pay when you’re older.

Now, decades later, everyone who bought into these is finding their prices are increasing because they’ve eaten up all the money that had been invested in the past. _______.png

The problem is, the chart and estimations they made for the market growth that your $200 payment depended on assumes the market would grow at 12%. In reality, the market didn’t perform anywhere near that well. The charts were complete nonsense. Now, decades later, everyone who bought into these is finding their prices are increasing because they’ve eaten up all the money that had been invested in the past.

It’s important to me that you understand the moral of this story.

It’s okay to buy universal life insurance. There are times that it’s useful, just like any other financial tool. The problem with it is that it was sold poorly to tons of people. You need to understand what you’re buying into.

It’s okay to buy universal life insurance. There are times that it’s useful, just like any other financial tool.

If you have a life insurance policy and you don’t know how it works, read your documentation or call the company for a copy.

If you have questions you can even call me or come by for afree consultation. We’ll sit down and talk about what the best life insurance policy is for you. If you’ve bought into a policy that turned out to be something you didn’t expect, we can help too.

Don’t get put into a position like my client’s mother and put yourself and your family at risk.

 

Talk About Your Insurance OptionsAsk A Question Now 

]]> Fri, 22 Dec 2017 10:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/understanding-if-your-permanent-life-563cfc37 I had a client call me this week and talk to me a problem his mother was having. She’s been paying $200 a month for over 25 years for a what she thought was a permanent life insurance policy, but she received a letter in the mail saying her premium was going to increase to $600 per month or she’d lose her coverage. She doesn't have much money and this was the only way she was able to leave something for children and grandchildren.

Now she’s devastated.

This is not an isolated incident and it’s something we need to talk about.

This is not an isolated incident and it’s something we need to talk about.

People purchase policies all the time and aren’t properly informed of what they’re buying into..png

Life insurance is complex. People purchase policies all the time and aren’t properly informed of what they’re buying into , or the person who sells the policy to them explains it all in detail but that was 30 years ago. How can you be expected to remember everything they said? So I’m going to give you a quick history of life insurance.

Traditionally, there was only one type of life insurance, whole life insurance. You paid one fixed amount and you had a guaranteed death benefit. The whole life insurance companies knew no matter what that one day they’d have to pay your death benefit, so there was a higher monthly cost.

The whole life insurance companies knew no matter what that one day they’d have to pay your death benefit, so there was a higher monthly cost.

Then, in the 1970s, Arthur William, a Pennsylvania gym teacher, had his father pass away unexpectedly. He had a whole life insurance policy that left his wife around $25,000. The problem is Arthur knew that was no enough for his mother to live on and realized what his father should have bought was a term life insurance policy.

Term Life insurance has as guaranteed death benefit and a guaranteed premium, just like whole life insurance, but since it’s only valid for a certain period of time.png

Term Life insurance has a guaranteed death benefit and a guaranteed premium, just like whole life insurance, but since it’s only valid for a certain period of time , such as twenty years, the companies know they’re not likely to have to pay that death benefit out to everyone covered by them. This makes it much less expensive. Arthur began campaigning and encouraging people to purchase term life insurance with the slogan, “But term, invest the difference.” Meaning you could pay a low cost term life insurance policy and invest the money you saved compared to a whole insurance policy into the stock market. This began popular phrase at the time, mainly because people believe that no matter what, if you invested you’d become a millionaire. Of course, now we know better.

The insurance companies realized they were in trouble because they weren’t getting the same income they received from the whole life insurance. So they invented something new: universal life insurance.

Once everyone began buying into term life insurance, the insurance companies realized they were in trouble because they weren’t getting the same income they received from the whole life insurance.

So they invented something new: universal life insurance.

It’s less expensive and allows you to invest in the product. The big difference is that it’s an annually renewing policy so the price would go up exponentially as you got older. To compensate for this, they show you a chart up front and estimate a consistent price you can pay through your policy as long as the market performs as expected. You could pay $200 a month, which is much more than you need to pay when you’re younger and that extra money would be invested and applied to the higher amount you would have been required to pay when you’re older.

Now, decades later, everyone who bought into these is finding their prices are increasing because they’ve eaten up all the money that had been invested in the past. _______.png

The problem is, the chart and estimations they made for the market growth that your $200 payment depended on assumes the market would grow at 12%. In reality, the market didn’t perform anywhere near that well. The charts were complete nonsense. Now, decades later, everyone who bought into these is finding their prices are increasing because they’ve eaten up all the money that had been invested in the past.

It’s important to me that you understand the moral of this story.

It’s okay to buy universal life insurance. There are times that it’s useful, just like any other financial tool. The problem with it is that it was sold poorly to tons of people. You need to understand what you’re buying into.

It’s okay to buy universal life insurance. There are times that it’s useful, just like any other financial tool.

If you have a life insurance policy and you don’t know how it works, read your documentation or call the company for a copy.

If you have questions you can even call me or come by for afree consultation. We’ll sit down and talk about what the best life insurance policy is for you. If you’ve bought into a policy that turned out to be something you didn’t expect, we can help too.

Don’t get put into a position like my client’s mother and put yourself and your family at risk.

 

Talk About Your Insurance OptionsAsk A Question Now 

]]> Understanding If Your 'Permanent' Life Insurance Is Really Permanent Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:22:54 Life insurance is complex. People purchase policies all the time and aren’t properly informed of what they’re buying into, or the person who sells the policy to them explains it all in detail but that was 30 years ago. Life insurance is complex. People purchase policies all the time and aren’t properly informed of what they’re buying into, or the person who sells the policy to them explains it all in detail but that was 30 years ago. no full 68 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:5a36a23b71c10b467b2759de Conflicting Predictions for 2018 And How You Can Make Sense Of It All It’s that time of the year where financial expects make fools of themselves. Yes, it’s time for the 2018 predictions. What you really need to understand about these predictions, regardless of whether they’re positive or negative, is that they are complete and utter nonsense.

What you really need to understand about these predictions, regardless of whether they’re positive or negative, is that they are complete and utter nonsense.

Take a look at last year’s prediction in retrospect. Everyone’s predictions last year said that since Trump won the election the market would tank, but that didn’t happen. The market is thriving. The SMP is up 19% this year. Even outlets that are typically not in Trump’s favor, such as the New York Times and the Wall Street Journal have come out with articles saying the market is the best it’s been in a long time.

This year, we’re getting two polar opposite predictions: that the market will thrive or the market will be devastated.  Maria Bartiromo from Fox News even went as far as to say that since the Tax Bill has passed, we can expect the market to double in 2018. I’ve had clients come to me, even those who dislike Trump, wanting to be aggressive in their investments on the assumption that the economy will continue to thrive based on these predictions. 

On the opposite end of the spectrum we have people like John Malden, a well known financial expert and blogger. He published a prediction saying that there’s overwhelming evidence the stock market is heading for disaster. It’s only a matter of time and that there “Will be blood in the streets.” Obviously, this is an extreme, but it’s something people are trusting as financial advice for next year.

Obviously, this is an extreme, but it’s something people are trusting as financial advice for next year.

The truth of the matter is that absolutely no one knows what the market will do in 2018. Don’t create an investment strategy based on this nonsense. So what should you base your strategy on?

If you’re trying build a strategy for your investments in 2018, base it on the question “What can I afford to lose?” If you’re near retirement you can’t afford to lose much because you’ll be depending on that money soon. If you’re younger and have some time to bounce back, you may be able to invest more. It really matters where you are in your journey to retirement. Once you know your risk tolerance, you are ready to walk into next year no matter what. If everything goes well, you’ll going to do really well. If the market drops, it’s not going to be devastating for you because you already have a plan.

Once you know your risk tolerance, you are ready to walk into next year no matter what.

The really fun part of my job is meeting so many different people and helping them tailor a plan to reach their dream for the future.

 

I can help you make a plan to be successful regardless of the market. It’s not just about your investments in the next year, but your entire future. 

Get A Free ConsultationLearn More 

]]> Wed, 20 Dec 2017 10:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/conflicting-predictions-for-2018-and-how-e84f4feb It’s that time of the year where financial expects make fools of themselves. Yes, it’s time for the 2018 predictions. What you really need to understand about these predictions, regardless of whether they’re positive or negative, is that they are complete and utter nonsense.

What you really need to understand about these predictions, regardless of whether they’re positive or negative, is that they are complete and utter nonsense.

Take a look at last year’s prediction in retrospect. Everyone’s predictions last year said that since Trump won the election the market would tank, but that didn’t happen. The market is thriving. The SMP is up 19% this year. Even outlets that are typically not in Trump’s favor, such as the New York Times and the Wall Street Journal have come out with articles saying the market is the best it’s been in a long time.

This year, we’re getting two polar opposite predictions: that the market will thrive or the market will be devastated.  Maria Bartiromo from Fox News even went as far as to say that since the Tax Bill has passed, we can expect the market to double in 2018. I’ve had clients come to me, even those who dislike Trump, wanting to be aggressive in their investments on the assumption that the economy will continue to thrive based on these predictions. 

On the opposite end of the spectrum we have people like John Malden, a well known financial expert and blogger. He published a prediction saying that there’s overwhelming evidence the stock market is heading for disaster. It’s only a matter of time and that there “Will be blood in the streets.” Obviously, this is an extreme, but it’s something people are trusting as financial advice for next year.

Obviously, this is an extreme, but it’s something people are trusting as financial advice for next year.

The truth of the matter is that absolutely no one knows what the market will do in 2018. Don’t create an investment strategy based on this nonsense. So what should you base your strategy on?

If you’re trying build a strategy for your investments in 2018, base it on the question “What can I afford to lose?” If you’re near retirement you can’t afford to lose much because you’ll be depending on that money soon. If you’re younger and have some time to bounce back, you may be able to invest more. It really matters where you are in your journey to retirement. Once you know your risk tolerance, you are ready to walk into next year no matter what. If everything goes well, you’ll going to do really well. If the market drops, it’s not going to be devastating for you because you already have a plan.

Once you know your risk tolerance, you are ready to walk into next year no matter what.

The really fun part of my job is meeting so many different people and helping them tailor a plan to reach their dream for the future.

 

I can help you make a plan to be successful regardless of the market. It’s not just about your investments in the next year, but your entire future. 

Get A Free ConsultationLearn More 

]]> Conflicting Predictions for 2018 And How You Can Make Sense Of It All Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:13:26 This year, we’re getting two polar opposite predictions: that the market will thrive or the market will be devastated. The truth of the matter is that absolutely no one knows what the market will do in 2018. So, how do you plan for the unexpected? This year, we’re getting two polar opposite predictions: that the market will thrive or the market will be devastated. The truth of the matter is that absolutely no one knows what the market will do in 2018. So, how do you plan for the unexpected? no full 67 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:5a3697a0f9619a424b6524a1 The Tax Bill Passed: Now What? Much to the surprise of many people, including myself, the GOP Tax Bill Passed and big changes are coming to our tax system in 2018. There’s lots of rumors and misinformation going around about what these changes will be, so let’s dig into it. This bill isn’t perfect, but there are some great benefits we can all enjoy.

Much to the surprise of many people, including myself, the GOP Tax Bill Passed and big changes are coming to our tax system in 2018.

Get creative this year and itemize as much as possible..png

The first most important element that will affect most people is the doubling of the standard deduction, which we’ve talked about before. With the doubling of this deduction, it’s going to make sense for most people to stop itemizing. My suggestion to those who love itemizing? Get creative this year and itemize as much as possible.

Accelerate your charitable giving. Do you give a monthly tithe to your church? Go ahead and pay for January and February before the end of the year. Your church won’t mind getting the money upfront and you’ll still be able to deduct that money for your 2017 taxes. Have you been thinking about donating your old, beat up car? Do that now! Anything you can deduct this year, take advantage of it.

Your church won’t mind getting the money upfront and you’ll still be able to deduct that money for your 2017 taxes.

This bill has increased the controversial estate and death tax as well. Previously, a married couple with an estate of over 11 million would get taxed 40% on any amount over that 11 million after their death. That limit has now been doubled to 22 million.

Previously, the 529 plan could only be used for colleges, but that’s been expanded to apply to all education, including private elementary, middle and high schools..png

One of the changes  I’m most excited about is the expanded use of 529 Plans. If you have children, you’re probably familiar with a this plan, which is an education savings plan that has a big tax benefit. Previously, the 529 plan could only be used for colleges, but that’s been expanded to apply to all education, including private elementary, middle and high schools. This is great because now parents and grandparents can set up these savings accounts to help their children attend better schools.

The majority of people will see a large tax cut this year which is good and bad.

Finally, the majority of people will see a large tax cut this year which is good and bad. We’ll see a benefit immediately, so what’s the problem? These tax cuts are set to run out in about ten years because we can only cut a certain amount from the national deficit to fund this, which brings us to be the elephant in the room: government entitlement programs which includes social security.

That’s the same as someone on the Titanic saying “I paid for my ticket, I deserve to get to New York.”.png

I’ve gotten a lot of flak in the past for lumping social security in with entitlement programs, especially since we all pay into social security. But overall, this program contribute to half of our deficit. The social security system we have now is failing. We as a country and as a society can’t allow it to continue on as-is. I definitely agree with and empathize with those who say that they deserve to keep the program because they’re been paying into it, but that’s the same as someone on the Titanic saying “I paid for my ticket, I deserve to get to New York.” I agree with you, it’s not fair, but the ship is going down and something going to have to give. While I doubt anyone will vote to get rid of social security completely, we do need to find a new system that works long term and that may be a conversation you can expect to see in 2018.

It’s crucial to evaluate your situation early on, because big changes are coming.

We’ve gone over just a few of the basics here, but you probably still have a lot of questions about how this bill will impact you. I encourage you to sit down with a financial planner and look over everything. It’s crucial to evaluate your situation early on, because big changes are coming.

Please know your situation. You can ask any question through the link below, and I will personally respond. You can also sign up for a free consultation with me so we can get a look at your situation.

 

Ask How This Plan Will Affect YouGet A Free Consultation 

]]> Mon, 18 Dec 2017 14:13:26 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/the-tax-bill-passed-now-what-8bb31e50 Much to the surprise of many people, including myself, the GOP Tax Bill Passed and big changes are coming to our tax system in 2018. There’s lots of rumors and misinformation going around about what these changes will be, so let’s dig into it. This bill isn’t perfect, but there are some great benefits we can all enjoy.

Much to the surprise of many people, including myself, the GOP Tax Bill Passed and big changes are coming to our tax system in 2018.

Get creative this year and itemize as much as possible..png

The first most important element that will affect most people is the doubling of the standard deduction, which we’ve talked about before. With the doubling of this deduction, it’s going to make sense for most people to stop itemizing. My suggestion to those who love itemizing? Get creative this year and itemize as much as possible.

Accelerate your charitable giving. Do you give a monthly tithe to your church? Go ahead and pay for January and February before the end of the year. Your church won’t mind getting the money upfront and you’ll still be able to deduct that money for your 2017 taxes. Have you been thinking about donating your old, beat up car? Do that now! Anything you can deduct this year, take advantage of it.

Your church won’t mind getting the money upfront and you’ll still be able to deduct that money for your 2017 taxes.

This bill has increased the controversial estate and death tax as well. Previously, a married couple with an estate of over 11 million would get taxed 40% on any amount over that 11 million after their death. That limit has now been doubled to 22 million.

Previously, the 529 plan could only be used for colleges, but that’s been expanded to apply to all education, including private elementary, middle and high schools..png

One of the changes  I’m most excited about is the expanded use of 529 Plans. If you have children, you’re probably familiar with a this plan, which is an education savings plan that has a big tax benefit. Previously, the 529 plan could only be used for colleges, but that’s been expanded to apply to all education, including private elementary, middle and high schools. This is great because now parents and grandparents can set up these savings accounts to help their children attend better schools.

The majority of people will see a large tax cut this year which is good and bad.

Finally, the majority of people will see a large tax cut this year which is good and bad. We’ll see a benefit immediately, so what’s the problem? These tax cuts are set to run out in about ten years because we can only cut a certain amount from the national deficit to fund this, which brings us to be the elephant in the room: government entitlement programs which includes social security.

That’s the same as someone on the Titanic saying “I paid for my ticket, I deserve to get to New York.”.png

I’ve gotten a lot of flak in the past for lumping social security in with entitlement programs, especially since we all pay into social security. But overall, this program contribute to half of our deficit. The social security system we have now is failing. We as a country and as a society can’t allow it to continue on as-is. I definitely agree with and empathize with those who say that they deserve to keep the program because they’re been paying into it, but that’s the same as someone on the Titanic saying “I paid for my ticket, I deserve to get to New York.” I agree with you, it’s not fair, but the ship is going down and something going to have to give. While I doubt anyone will vote to get rid of social security completely, we do need to find a new system that works long term and that may be a conversation you can expect to see in 2018.

It’s crucial to evaluate your situation early on, because big changes are coming.

We’ve gone over just a few of the basics here, but you probably still have a lot of questions about how this bill will impact you. I encourage you to sit down with a financial planner and look over everything. It’s crucial to evaluate your situation early on, because big changes are coming.

Please know your situation. You can ask any question through the link below, and I will personally respond. You can also sign up for a free consultation with me so we can get a look at your situation.

 

Ask How This Plan Will Affect YouGet A Free Consultation 

]]> The Tax Bill Passed: Now What? Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:15:47 There’s lots of rumors and misinformation going around about what these changes will be, so let’s dig into it. This bill isn’t perfect, but there are some great benefits we can all enjoy. There’s lots of rumors and misinformation going around about what these changes will be, so let’s dig into it. This bill isn’t perfect, but there are some great benefits we can all enjoy. no full 66 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:5a25f68c71c10b1e7a28bb2e Bitcoin: When Should You Buy In?

I’m fairly consistent in my advice that you shouldn’t invest in Bitcoin.

We’ve talked about Bitcoin before and you can read previous articles or listen to past podcasts. You’ll see that I’m fairly consistent in my advice that you shouldn’t invest in Bitcoin. This isn’t because Bitcoin is bad.

there is a practical strategy for investing in Bitcoin for those who really want to. (1).png

It went grew to over 11,000 this week, which means one Bitcoin is work $11,000 American Dollars. It dropped soon after but is still hovering over $10,000. Overall this year the Bitcoin has grown by over 900%. That’s great, and when you see those numbers alone it’s tempting to want to buy in. However, investing in Bitcoin is what I like to call Powerball Investing.

Think of when you’re driving down the highway and see that Powerball billboard showing that the jackpot is over 100 million dollars. So you call your brother, your coworkers and your friend and you all buy tickets. The potential of that big win is too exciting for you to pass up, but you forget that the more people who buy tickets the less likely you are to win. It’s a similar problem with any kind of cryptocurrency like Bitcoin. You see that the value is over $11,000 and want to buy in, but that’s when everyone else wants to buy in as well. The system is then flooded with new money and it loses value again.

You see that the value is over $11,000 and want to buy in, but that’s when everyone else wants to buy in as well.

there is a practical strategy for investing in Bitcoin for those who really want to. (2).png

Here’s why it’s really dangerous: it’s not a diverse investment. I believe in wide, massive diversification. For example, I have the option in investing in the Coca-Cola company or I can invest in 500 companies like Coke. Why should I chose the 500? The upside of both of these are similar. You won’t usually see a massive difference in the growth. The difference is in the downside.

Coke could have a scandal so no one is buying Coke. That could cause the stock to tank. Now I’ve lost all my investment. That’s a big risk. If one of the companies similar to Coke tank, I only lose part of my investment. Investing is all about risk management and you shouldn’t take unnecessary risks. Putting large amounts of money in Bitcoin is taking an unnecessary risk.

Investing is all about risk management and you shouldn’t take unnecessary risks.

there is a practical strategy for investing in Bitcoin for those who really want to..png

Now, there is a practical strategy for investing in Bitcoin for those who want to. You can use an amount of money that is not part of your retirement.  In that case, your investment in Bitcoin is a hobby instead of a source of income. It must be an amount of money you’re okay with losing, like a money you take on your trip to Las Vegas. Your retirement fund, though, needs to be diversified. Your future is not a risk you want to take.

  Get Help With My Financial PlanAsk a Question

]]> Sat, 9 Dec 2017 10:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/bitcoin-when-should-you-buy-in-f49a54f2

I’m fairly consistent in my advice that you shouldn’t invest in Bitcoin.

We’ve talked about Bitcoin before and you can read previous articles or listen to past podcasts. You’ll see that I’m fairly consistent in my advice that you shouldn’t invest in Bitcoin. This isn’t because Bitcoin is bad.

there is a practical strategy for investing in Bitcoin for those who really want to. (1).png

It went grew to over 11,000 this week, which means one Bitcoin is work $11,000 American Dollars. It dropped soon after but is still hovering over $10,000. Overall this year the Bitcoin has grown by over 900%. That’s great, and when you see those numbers alone it’s tempting to want to buy in. However, investing in Bitcoin is what I like to call Powerball Investing.

Think of when you’re driving down the highway and see that Powerball billboard showing that the jackpot is over 100 million dollars. So you call your brother, your coworkers and your friend and you all buy tickets. The potential of that big win is too exciting for you to pass up, but you forget that the more people who buy tickets the less likely you are to win. It’s a similar problem with any kind of cryptocurrency like Bitcoin. You see that the value is over $11,000 and want to buy in, but that’s when everyone else wants to buy in as well. The system is then flooded with new money and it loses value again.

You see that the value is over $11,000 and want to buy in, but that’s when everyone else wants to buy in as well.

there is a practical strategy for investing in Bitcoin for those who really want to. (2).png

Here’s why it’s really dangerous: it’s not a diverse investment. I believe in wide, massive diversification. For example, I have the option in investing in the Coca-Cola company or I can invest in 500 companies like Coke. Why should I chose the 500? The upside of both of these are similar. You won’t usually see a massive difference in the growth. The difference is in the downside.

Coke could have a scandal so no one is buying Coke. That could cause the stock to tank. Now I’ve lost all my investment. That’s a big risk. If one of the companies similar to Coke tank, I only lose part of my investment. Investing is all about risk management and you shouldn’t take unnecessary risks. Putting large amounts of money in Bitcoin is taking an unnecessary risk.

Investing is all about risk management and you shouldn’t take unnecessary risks.

there is a practical strategy for investing in Bitcoin for those who really want to..png

Now, there is a practical strategy for investing in Bitcoin for those who want to. You can use an amount of money that is not part of your retirement.  In that case, your investment in Bitcoin is a hobby instead of a source of income. It must be an amount of money you’re okay with losing, like a money you take on your trip to Las Vegas. Your retirement fund, though, needs to be diversified. Your future is not a risk you want to take.

  Get Help With My Financial PlanAsk a Question

]]> Bitcoin: When Should You Buy In? Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:09:50 Overall this year the Bitcoin has grown by over 900%. Overall this year the Bitcoin has grown by over 900%. no full 65 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:5a25f4470d9297bd22cf7f25 The Stock Market Has Been Great This Year And You Should Be Worried Overall, this has been a strange year in the stock market. We've set records for the amount of time gone without any drops in stocks. No one’s complaining, but it’s not normal and you shouldn’t expect it to continue. This week was a great reminder of that.

In the last week the market has gone up and down in a way we haven’t seen in awhile.

In the last week the market has gone up and down in a way we haven’t seen in awhile. Thursday, stocks shot up. This was mostly due to the expectation and optimism of the tax plan being passed. Then, on Friday, as Michael Flynn pleaded guilty, it dropped from the anticipated turmoil in the White House. It rose again on Saturday as the tax plan was passed and the market settled.

We’d like to think the market is based on statistics, but it’s more like my 2 year old_ reactive..png

You may have whiplash, but here’s what you should have learn from this week. It’s easy to forget how quickly it can pivot, especially when you look back at the great year we’ve been having. We’d like to think the market is based on statistics, but it’s more like my 2 year old: reactive. This week has taught many the danger of assuming the pattern we’ve seen this year is the new normal.

This is especially dangerous if you’re getting close to retirement. Many clients I talk to don’t think they can fall into this trap, but most I meet with are aggressive in their investments because of the lack of volatility in the market. This can be dangerous if we hit another drop sometime soon. It’s important that you don’t be conservative in your investments, but take smart risks.

**We can help you make sure you’re taking those smart risks.  **

Schedule A Free ConsultationAsk A Question

]]> Thu, 7 Dec 2017 10:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/the-stock-market-has-been-great-this-76a6068d Overall, this has been a strange year in the stock market. We've set records for the amount of time gone without any drops in stocks. No one’s complaining, but it’s not normal and you shouldn’t expect it to continue. This week was a great reminder of that.

In the last week the market has gone up and down in a way we haven’t seen in awhile.

In the last week the market has gone up and down in a way we haven’t seen in awhile. Thursday, stocks shot up. This was mostly due to the expectation and optimism of the tax plan being passed. Then, on Friday, as Michael Flynn pleaded guilty, it dropped from the anticipated turmoil in the White House. It rose again on Saturday as the tax plan was passed and the market settled.

We’d like to think the market is based on statistics, but it’s more like my 2 year old_ reactive..png

You may have whiplash, but here’s what you should have learn from this week. It’s easy to forget how quickly it can pivot, especially when you look back at the great year we’ve been having. We’d like to think the market is based on statistics, but it’s more like my 2 year old: reactive. This week has taught many the danger of assuming the pattern we’ve seen this year is the new normal.

This is especially dangerous if you’re getting close to retirement. Many clients I talk to don’t think they can fall into this trap, but most I meet with are aggressive in their investments because of the lack of volatility in the market. This can be dangerous if we hit another drop sometime soon. It’s important that you don’t be conservative in your investments, but take smart risks.

**We can help you make sure you’re taking those smart risks.  **

Schedule A Free ConsultationAsk A Question

]]> The Stock Market Has Been Great This Year And You Should Be Worried Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:06:58 Overall, this has been a strange year in the stock market. We've set records for the amount of time gone without any drops in stocks. No one’s complaining, but it’s not normal. Overall, this has been a strange year in the stock market. We've set records for the amount of time gone without any drops in stocks. No one’s complaining, but it’s not normal. no full 64 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:5a25f0c908522970351ee692 The Two Groups That Have The Most To Lose From The New Tax Bill Although many people, myself included, doubted it would happen, the Senate passed the Tax Cut Bill. Big changes are coming to the tax system, although all the details still need to be hammered out. These changes will affect billions of Americans and it will affect all of us either positively or negatively.

It’s impossible to walk through every possible scenario, but there are two main groups that will lose out the most from these proposed changes.

Big changes are coming to the tax system, although all the details still need to be hammered out.

The main change we can expect is that the standard deduction will be doubled. You’ll notice if you look at your previous tax returns, that you either take a standard deduction or use itemize deductions. The average married couple right now can deduct $12,000 from their income, and with this new plan they could deduct $24,000. This means most people won’t take itemized deductions, such as gifts, tithes, mortgages and student loan interest in the future, as they'll get more money back by taking their standard deduction.

Always purchase a home you can afford and let the tax deductions be a fringe benefit..png

The first group most affected by these changes are those worried about not being able to deduct mortgage interest, including realtors, home builders, mortgage lenders and others in that industry. This group doesn’t worry me very much. Deducting your mortgage interest won’t affect the average person, as you still benefit from the higher standard deduction. The main reason this doesn’t concern me is that you should never be purchasing a house for the tax benefits. Always purchase a home you can afford and let the deductions be a fringe benefit.

The second group affected by this change in deduction, though, makes me worry. People often use charity donations,tithes and similar expenses to itemize their deductions and increase their tax returns. Without the incentive of these deductions, will people give as freely to charities now? Traditional conservatives don’t believe the private sector needs an incentive to donate, but history suggests otherwise.

Without the incentive of these deductions, will people give as freely to charities now?

Copy of Always purchase a home you can afford and let the tax deductions be a fringe benefit..png

I want to believe we’ll see just as many donations if not more in the upcoming year despite these changes. Many of my favorite clients are those who come to me not because they want to get as much money as possible, but because they want to know how to use their wealth effectively to help the world around them. They’re not always wealthy clients either. I recently had a middle class couple who was just barely saving money, but came to me to see how they could find a way they could use what little extra funds they had to give more to others.

I can help you do the same with your money and together we can ensure our local charities and organizations don't suffer under this new tax code. We can discuss not just how to make you money, but how to help you give the way you’ve dreamed.

Help Me Give GenerouslyAsk A Question 

]]> Tue, 5 Dec 2017 15:05:23 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/the-two-groups-that-have-the-most-to-63db93b0 Although many people, myself included, doubted it would happen, the Senate passed the Tax Cut Bill. Big changes are coming to the tax system, although all the details still need to be hammered out. These changes will affect billions of Americans and it will affect all of us either positively or negatively.

It’s impossible to walk through every possible scenario, but there are two main groups that will lose out the most from these proposed changes.

Big changes are coming to the tax system, although all the details still need to be hammered out.

The main change we can expect is that the standard deduction will be doubled. You’ll notice if you look at your previous tax returns, that you either take a standard deduction or use itemize deductions. The average married couple right now can deduct $12,000 from their income, and with this new plan they could deduct $24,000. This means most people won’t take itemized deductions, such as gifts, tithes, mortgages and student loan interest in the future, as they'll get more money back by taking their standard deduction.

Always purchase a home you can afford and let the tax deductions be a fringe benefit..png

The first group most affected by these changes are those worried about not being able to deduct mortgage interest, including realtors, home builders, mortgage lenders and others in that industry. This group doesn’t worry me very much. Deducting your mortgage interest won’t affect the average person, as you still benefit from the higher standard deduction. The main reason this doesn’t concern me is that you should never be purchasing a house for the tax benefits. Always purchase a home you can afford and let the deductions be a fringe benefit.

The second group affected by this change in deduction, though, makes me worry. People often use charity donations,tithes and similar expenses to itemize their deductions and increase their tax returns. Without the incentive of these deductions, will people give as freely to charities now? Traditional conservatives don’t believe the private sector needs an incentive to donate, but history suggests otherwise.

Without the incentive of these deductions, will people give as freely to charities now?

Copy of Always purchase a home you can afford and let the tax deductions be a fringe benefit..png

I want to believe we’ll see just as many donations if not more in the upcoming year despite these changes. Many of my favorite clients are those who come to me not because they want to get as much money as possible, but because they want to know how to use their wealth effectively to help the world around them. They’re not always wealthy clients either. I recently had a middle class couple who was just barely saving money, but came to me to see how they could find a way they could use what little extra funds they had to give more to others.

I can help you do the same with your money and together we can ensure our local charities and organizations don't suffer under this new tax code. We can discuss not just how to make you money, but how to help you give the way you’ve dreamed.

Help Me Give GenerouslyAsk A Question 

]]> The Two Groups That Have The Most To Lose From The New Tax Bill Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:18:28 Big changes are coming to the tax system, although all the details still need to be hammered out. These changes will affect billions of Americans and it will affect all of us either positively or negatively. Big changes are coming to the tax system, although all the details still need to be hammered out. These changes will affect billions of Americans and it will affect all of us either positively or negatively. no full 63 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:5a21c8ebc830258656434ce1 Could Your Permanent Life Insurance Turn Out To Be Not So Permanent? Life insurance coverage has been a debate that’s gone on for decades. Need proof? Ask your parents their opinion. 

In this episode of our "Lightning Round," Kyle asks why it seems that his parents are being scammed by their “permanent” life insurance. How can something "permanent" suddenly disappear?

 

Life insurance wrongly becomes oversimplified into two main categories: right and wrong. This just isn't the case.

 

Don't allow yourself to oversimplify this tool as a black and white decision of what you need for your financial portfolio. Life insurance has grown to be increasingly complex.

The conversation around the "right" coverage for you is much bigger than it used to be, and the rules of the game are in the fine print.

pexels-photo-541522.jpeg

There are a variety of life insurance options with details that can be easy to miss. Take a minute to make sure you know the exact terms of your insurance policy, or ask someone to help you know before you have to find out the truth the hard way. 

It's not worth waiting and hoping you got it right.

Spend four minutes to listen to Kyle's question and how we advice him to approach the situation his parents have found themselves in.

Ask a Question About My Situation

]]> Sat, 2 Dec 2017 10:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/could-your-permanent-life-insurance-turn-6448fdf5 Life insurance coverage has been a debate that’s gone on for decades. Need proof? Ask your parents their opinion. 

In this episode of our "Lightning Round," Kyle asks why it seems that his parents are being scammed by their “permanent” life insurance. How can something "permanent" suddenly disappear?

 

Life insurance wrongly becomes oversimplified into two main categories: right and wrong. This just isn't the case.

 

Don't allow yourself to oversimplify this tool as a black and white decision of what you need for your financial portfolio. Life insurance has grown to be increasingly complex.

The conversation around the "right" coverage for you is much bigger than it used to be, and the rules of the game are in the fine print.

pexels-photo-541522.jpeg

There are a variety of life insurance options with details that can be easy to miss. Take a minute to make sure you know the exact terms of your insurance policy, or ask someone to help you know before you have to find out the truth the hard way. 

It's not worth waiting and hoping you got it right.

Spend four minutes to listen to Kyle's question and how we advice him to approach the situation his parents have found themselves in.

Ask a Question About My Situation

]]> Could Your Permanent Life Insurance Turn Out To Be Not So Permanent? Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:04:08 How can something "permanent" suddenly disappear? How can something "permanent" suddenly disappear? no full 62 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:5a1edda3f9619ac24628a789 When Debt Can Be Okay And When It Is Surprisingly Good (Lightning Round)  

In this Lightning Round, Amy asks the begging question: "If there is bad debt, does that mean there is good debt?" The answer is simple, yes. In the 5 minute clip above, I highlight a common mistake in regards to paying off personal debt. D** on't assume all debt is bad.**
 

Homeowners - pay attention, friends!

 
pexels-photo-437644.jpeg

Sure, we can all agree on the obvious bad debts like credit cards, high-interest personal loans, etc. The majority of people I meet with will agree that there are good debts, too. Do you realize the great debt people often overlook today?

Homeowners are sitting on top of some great debt in this historical season of low-interest rates!
 

We're living in the lowest home interest rate environment ever - hovering around 4%!

 

If you have a high mortgage, pay it off. But most of you reading this have a great rate, and I wouldn't advise you to aggressively get rid of it because it is labeled as "debt."

Listen, right now you can probably beat your interest rate with investments over time! It's crazy.

 

Many of you should wisely investigate paying your mortgage, enjoying your home increase in value, and taking the additional money you would have put toward your home re-direct it toward investments.
 

Don't forget that while everything else in the world is getting more expensive, your 30-year fixed mortgage is actually net becoming less expensive every year with inflation.

 

_ CAUTION: Like most financial products we discuss, these comments on debt aren't always black and white. This must be addressed in the larger context of your personal situation, but please (unless your emotionally fixated on your home debt) consider a different approach._

  Ask A Question About My Situation 

]]> Thu, 30 Nov 2017 10:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/when-debt-can-be-okayand-when-it-is-3fb561e1  

In this Lightning Round, Amy asks the begging question: "If there is bad debt, does that mean there is good debt?" The answer is simple, yes. In the 5 minute clip above, I highlight a common mistake in regards to paying off personal debt. D** on't assume all debt is bad.**
 

Homeowners - pay attention, friends!

 
pexels-photo-437644.jpeg

Sure, we can all agree on the obvious bad debts like credit cards, high-interest personal loans, etc. The majority of people I meet with will agree that there are good debts, too. Do you realize the great debt people often overlook today?

Homeowners are sitting on top of some great debt in this historical season of low-interest rates!
 

We're living in the lowest home interest rate environment ever - hovering around 4%!

 

If you have a high mortgage, pay it off. But most of you reading this have a great rate, and I wouldn't advise you to aggressively get rid of it because it is labeled as "debt."

Listen, right now you can probably beat your interest rate with investments over time! It's crazy.

 

Many of you should wisely investigate paying your mortgage, enjoying your home increase in value, and taking the additional money you would have put toward your home re-direct it toward investments.
 

Don't forget that while everything else in the world is getting more expensive, your 30-year fixed mortgage is actually net becoming less expensive every year with inflation.

 

_ CAUTION: Like most financial products we discuss, these comments on debt aren't always black and white. This must be addressed in the larger context of your personal situation, but please (unless your emotionally fixated on your home debt) consider a different approach._

  Ask A Question About My Situation 

]]> When Debt Can Be Okay And When It Is Surprisingly Good (Lightning Round) Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:05:30 #1 - Homeowners are sitting on top of some great debt in today's historical season of low-interest rates! #1 - Homeowners are sitting on top of some great debt in today's historical season of low-interest rates! no full 61 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:5a15f36653450a9c54b915f0 Interview: Grace, "Villages", and Good, Old-Fashioned Hope With Andy Cook Meet, Andy Cook. 

Well, actually meet Andy, Martha, and more kids than most kids can count! But, we're going to hear more about these beautiful people from Andy.

Cook Fam.2015.png

Andy is the President and CEO of Promise686, an organization that assists families and churches to care for vulnerable children by providing financial assistance, community support, and adoptive and foster care related education. (You probably know about our partnership with Promise686.)

Andy shares the story of receiving a daring text from his wife that changed his life forever, the systems in place around foster care, the holidays for a family of twelve and how life is full of incredible hope when it is rooted around family.
 

Take the time to listen in and hear an incredibly moving story that speaks to the truths and misconceptions around foster care in georgia.

 

Promise686.jpg

 

Key Quotes:

"We want to give people as many opportunities for engagement, even small engagement, as we can so that they get hooked. We want these children to capture their hearts. We want to see hundreds of families wanting to step in to take care of foster care children.">  > "We look at the church community and think we need to help get them out of their pew, and put them in a place where they can serve. They need a road map to get there and some tools to make it work, and we can help">  > "The foster care conversation has historically been about becoming a foster parent, but there are all these other roles. We target communities and invite them to serve. First of all you can do research on your own.">  > "My baby girl is not a number. She is not a statistic. Someone advocated for her. It wasn't about let's fix the foster care problem in Georgia. It's about actual kids."
 >  

Links to Learn More:

 

]]> Tue, 28 Nov 2017 13:17:58 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/interview-grace-villages-and-good-old-a00570ba Meet, Andy Cook. 

Well, actually meet Andy, Martha, and more kids than most kids can count! But, we're going to hear more about these beautiful people from Andy.

Cook Fam.2015.png

Andy is the President and CEO of Promise686, an organization that assists families and churches to care for vulnerable children by providing financial assistance, community support, and adoptive and foster care related education. (You probably know about our partnership with Promise686.)

Andy shares the story of receiving a daring text from his wife that changed his life forever, the systems in place around foster care, the holidays for a family of twelve and how life is full of incredible hope when it is rooted around family.
 

Take the time to listen in and hear an incredibly moving story that speaks to the truths and misconceptions around foster care in georgia.

 

Promise686.jpg

 

Key Quotes:

"We want to give people as many opportunities for engagement, even small engagement, as we can so that they get hooked. We want these children to capture their hearts. We want to see hundreds of families wanting to step in to take care of foster care children.">  > "We look at the church community and think we need to help get them out of their pew, and put them in a place where they can serve. They need a road map to get there and some tools to make it work, and we can help">  > "The foster care conversation has historically been about becoming a foster parent, but there are all these other roles. We target communities and invite them to serve. First of all you can do research on your own.">  > "My baby girl is not a number. She is not a statistic. Someone advocated for her. It wasn't about let's fix the foster care problem in Georgia. It's about actual kids."
 >  

Links to Learn More:

 

]]> Interview: Grace, "Villages", and Good, Old-Fashioned Hope With Andy Cook Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 01:53:46 Andy shares the story of receiving a daring text from his wife that changed his life forever, the systems in place around foster care, the holidays for a family of twelve and how life is full of incredible hope when it is rooted around family. Andy shares the story of receiving a daring text from his wife that changed his life forever, the systems in place around foster care, the holidays for a family of twelve and how life is full of incredible hope when it is rooted around family. no full 60 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:5a123bbfc8302511615732d8 How to Protect Yourself from Abusive Financial Practices There are some abuses in the financial world that you, as the consumer, have no control over. For example, with the Equifax breach, consumers had no control over the company’s security. However, what you can do in those cases is take steps to protect yourself, like freezing your credit.

 

RELATED: SHOULD YOU REALLY FREEZE YOUR CREDIT?

 

The question is, how do you protect yourself from people using abusive practices?

 

TIAA-CREF, which cares for close to a trillion dollars in assets, has been in the news lately for using abusive sales practices. When training their employees, their motto supposedly was, “If they cry, they buy.” This means that if they can scare a consumer about the future of his or her finances, there’s a good chance they can convince him or her to buy whatever product they’re selling.

 

Now CREF says this isn’t true, because their employees don’t work on commission. Which sounds legitimate, but is it actually the case?

 

Employees at CREF do have incentives, like bonuses, to sell higher-priced funds. Most importantly, when clients have no knowledge of those of incentives, this leads to abusive practices in the financial industry.

 

How can you identify the incentives?

 

Upon first meeting a potential client, I always make a point to have a straightforward discussion about every way we get paid. This may feel like over-sharing at first, but clients need to know if their goals and the company’s incentives match up.

 

Is your financial planner getting paid a flat fee or a percentage when you choose to invest in a fund? How much is the commission when you sign up for a new insurance plan? These are the kinds of questions you need answered before you should make a decision.

 

Remember, The best financial advice happens when the clients' and companies' incentives align.

 

Listen to the Full Show:

Check out this 13-minute segment from the More Than Money show on WSB Radio to learn more tips on identifying and avoiding abusive practices in the financial industry.

Get An Answer to My Situation Now  pexels-photo-286691.jpeg

]]> Fri, 24 Nov 2017 10:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/how-to-protect-yourself-from-abusive-1b8d6597 There are some abuses in the financial world that you, as the consumer, have no control over. For example, with the Equifax breach, consumers had no control over the company’s security. However, what you can do in those cases is take steps to protect yourself, like freezing your credit.

 

RELATED: SHOULD YOU REALLY FREEZE YOUR CREDIT?

 

The question is, how do you protect yourself from people using abusive practices?

 

TIAA-CREF, which cares for close to a trillion dollars in assets, has been in the news lately for using abusive sales practices. When training their employees, their motto supposedly was, “If they cry, they buy.” This means that if they can scare a consumer about the future of his or her finances, there’s a good chance they can convince him or her to buy whatever product they’re selling.

 

Now CREF says this isn’t true, because their employees don’t work on commission. Which sounds legitimate, but is it actually the case?

 

Employees at CREF do have incentives, like bonuses, to sell higher-priced funds. Most importantly, when clients have no knowledge of those of incentives, this leads to abusive practices in the financial industry.

 

How can you identify the incentives?

 

Upon first meeting a potential client, I always make a point to have a straightforward discussion about every way we get paid. This may feel like over-sharing at first, but clients need to know if their goals and the company’s incentives match up.

 

Is your financial planner getting paid a flat fee or a percentage when you choose to invest in a fund? How much is the commission when you sign up for a new insurance plan? These are the kinds of questions you need answered before you should make a decision.

 

Remember, The best financial advice happens when the clients' and companies' incentives align.

 

Listen to the Full Show:

Check out this 13-minute segment from the More Than Money show on WSB Radio to learn more tips on identifying and avoiding abusive practices in the financial industry.

Get An Answer to My Situation Now  pexels-photo-286691.jpeg

]]> How to Protect Yourself from Abusive Financial Practices Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:13:30 TIAA-CREF, which cares for close to a trillion dollars in assets, has been in the news lately for using abusive sales practices. When training their employees, their motto supposedly was: “If they cry, they buy.” This means that if they can scare a consumer about the future of her finances, there’s a good chance they can convince her to buy whatever product they’re selling. Employees at CREF do have incentives, like bonuses, to sell higher-priced funds. And when clients have no knowledge of those kinds of incentives, this leads to abusive practices in the financial industry. TIAA-CREF, which cares for close to a trillion dollars in assets, has been in the news lately for using abusive sales practices. When training their employees, their motto supposedly was: “If they cry, they buy.” This means that if they can scare a consumer about the future of her finances, there’s a good chance they can convince her to buy whatever product they’re selling. Employees at CREF do have incentives, like bonuses, to sell higher-priced funds. And when clients have no knowledge of those kinds of incentives, this leads to abusive practices in the financial industry. no full 59 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:5a123e6653450af6e5e74738 Why Your 401k is Sabotaging Your Savings I’m about to share some controversial advice with you. So take a minute and hear me out.

Some of you reading may need to stop investing in your 401k.

Again, just wait a second and listen. It could be vital to your financial plan.

 

pexels-photo-234791.jpeg

The 401k is the sacred cow of American finance—and for good reason. 401k’s offer amazing benefits such as special tax treatment, forced/automated savings, and free money when your employer matches your contribution. Sounds great, right?
 

Why in the world should anyone stop investing in it?

 

Last week, I was working with two clients in completely different phases of life. One of which was a young man in his 20s just beginning his career and the other was woman who’s approaching retirement. Both of my clients were, per the advice of almost everyone in society, investing every spare dollar into their 401k.

When looking closer at their situation, what I found was that both clients had two problems, credit card debt and no emergency fund.

You’re probably thinking, a little credit card debt, what’s the big deal? Everyone has some debt. Well, let’s look at the numbers.

The normal interest rate for a credit card is somewhere around 15-16%.

The normal interest rate over time for a 401k is somewhere between 8-10%.

 

this means your credit card debt is accumulating higher and faster than the money you’re saving.

 

While it might feel good to be saving money for retirement, if your debt is compounding more interest faster than your 401k will make in the long run, does it really make sense?

 

In the full episode, I’ll give you my three-step plan for getting on the right track and how to build a foundation that allows you to start saving aggressively. (Listen in at 6:55)

pexels-photo-237189.jpeg

 

KEY QUOTES:

 

"With your first dollars you need to build a foundation and then you can truly grow like you’ve never imagined.">  > "To get to this place, you’re going to have to do something a little outside of your comfort zone.">  > "Once your debt is paid down you’ll have a foundation for real, aggressive growth."  Ask A Question About My Situation Now 

]]> Wed, 22 Nov 2017 10:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/why-your-401k-is-sabotaging-your-savings-8ea5f19d I’m about to share some controversial advice with you. So take a minute and hear me out.

Some of you reading may need to stop investing in your 401k.

Again, just wait a second and listen. It could be vital to your financial plan.

 

pexels-photo-234791.jpeg

The 401k is the sacred cow of American finance—and for good reason. 401k’s offer amazing benefits such as special tax treatment, forced/automated savings, and free money when your employer matches your contribution. Sounds great, right?
 

Why in the world should anyone stop investing in it?

 

Last week, I was working with two clients in completely different phases of life. One of which was a young man in his 20s just beginning his career and the other was woman who’s approaching retirement. Both of my clients were, per the advice of almost everyone in society, investing every spare dollar into their 401k.

When looking closer at their situation, what I found was that both clients had two problems, credit card debt and no emergency fund.

You’re probably thinking, a little credit card debt, what’s the big deal? Everyone has some debt. Well, let’s look at the numbers.

The normal interest rate for a credit card is somewhere around 15-16%.

The normal interest rate over time for a 401k is somewhere between 8-10%.

 

this means your credit card debt is accumulating higher and faster than the money you’re saving.

 

While it might feel good to be saving money for retirement, if your debt is compounding more interest faster than your 401k will make in the long run, does it really make sense?

 

In the full episode, I’ll give you my three-step plan for getting on the right track and how to build a foundation that allows you to start saving aggressively. (Listen in at 6:55)

pexels-photo-237189.jpeg

 

KEY QUOTES:

 

"With your first dollars you need to build a foundation and then you can truly grow like you’ve never imagined.">  > "To get to this place, you’re going to have to do something a little outside of your comfort zone.">  > "Once your debt is paid down you’ll have a foundation for real, aggressive growth."  Ask A Question About My Situation Now 

]]> Why Your 401k is Sabotaging Your Savings Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:12:14 I’ll give you my three-step plan to getting on the right track and how to build a foundation that allows you to start saving aggressively. I’ll give you my three-step plan to getting on the right track and how to build a foundation that allows you to start saving aggressively. no full 58 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:5a11cad94192028235724951 How to Prepare Your 2017 Taxes for The New Tax Reform

The short answer is: don't.
MTM_2017TaxReformCongressQuote.png

The Tax Reform bill has passed the House, but it still must get through the Senate. You can depend on Congress as much as you can depend on my 2-year-old. I’ve had several clients come to my office either excited about the potential changes to the tax code or terrified of what it would mean for their finances. Regardless of where you fall on the issue, the fact remains that everything is up in the air.

The best way you can prepare is to make sure you have your house in order.

However, as we come to the end of the calendar year and especially as we get into the excitement of the Holidays, the best way you can prepare is to make sure you have your house in order. You need to make decisions now, no matter what goes on in Congress, to make sure you don’t overpay to the IRS.

For example, I have a client who enjoys giving to charities around the holidays and makes a point to invest in her retirement plan as much as possible. That means we must be strategic with her filing, but it can result in great savings for her. She was unsure how to estimate what she needed to contribute to her retirement savings and consulted her accountant. He told her, “Don’t worry about that now. You don’t have to make these decisions until we file in April.”

MTM_FreeTaxAndFinancialConsultation.png

Here’s where he’s wrong: it depends on if she has an IRA or 401k. If she has an individual retirement plan, or an IRA, she could contribute until she files in April, giving her some leeway in her planning. Although, she has a group retirement plan, or a 401k, and the last day she can contribute and claim that total towards her tax return is on December 31st. Without consulting our team, she could have lost thousands of dollars in refunds.

Don’t get caught in a situation like this. Make sure you know all the decisions you need to make before 2018. This is how you can best prepare your taxes this season, even with the chaos in Congress. We would love to help. We provide free consultations, which allow us to get a look at your overall situation and ensure you’re capturing all the returns available to you .

We provide free consultations, which allow us to get a look at your overall situation

Talk To Someone About Getting A Free ConsultationAsk a question about your specific situation 

]]> Mon, 20 Nov 2017 15:16:28 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/how-to-prepare-your-2017-taxes-for-the-072fb904

The short answer is: don't.
MTM_2017TaxReformCongressQuote.png

The Tax Reform bill has passed the House, but it still must get through the Senate. You can depend on Congress as much as you can depend on my 2-year-old. I’ve had several clients come to my office either excited about the potential changes to the tax code or terrified of what it would mean for their finances. Regardless of where you fall on the issue, the fact remains that everything is up in the air.

The best way you can prepare is to make sure you have your house in order.

However, as we come to the end of the calendar year and especially as we get into the excitement of the Holidays, the best way you can prepare is to make sure you have your house in order. You need to make decisions now, no matter what goes on in Congress, to make sure you don’t overpay to the IRS.

For example, I have a client who enjoys giving to charities around the holidays and makes a point to invest in her retirement plan as much as possible. That means we must be strategic with her filing, but it can result in great savings for her. She was unsure how to estimate what she needed to contribute to her retirement savings and consulted her accountant. He told her, “Don’t worry about that now. You don’t have to make these decisions until we file in April.”

MTM_FreeTaxAndFinancialConsultation.png

Here’s where he’s wrong: it depends on if she has an IRA or 401k. If she has an individual retirement plan, or an IRA, she could contribute until she files in April, giving her some leeway in her planning. Although, she has a group retirement plan, or a 401k, and the last day she can contribute and claim that total towards her tax return is on December 31st. Without consulting our team, she could have lost thousands of dollars in refunds.

Don’t get caught in a situation like this. Make sure you know all the decisions you need to make before 2018. This is how you can best prepare your taxes this season, even with the chaos in Congress. We would love to help. We provide free consultations, which allow us to get a look at your overall situation and ensure you’re capturing all the returns available to you .

We provide free consultations, which allow us to get a look at your overall situation

Talk To Someone About Getting A Free ConsultationAsk a question about your specific situation 

]]> How to Prepare Your 2017 Taxes for The New Tax Reform Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:12:14 The short answer is: don't. The short answer is: don't. no full 57 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:599ca6dfff7c50b215ba4d15 Splitting Assets Like Inheritance After Divorce (Mini-Episode) This mini-episode comes directly from a question sent to our teamand is part of the show's Lightning Round where we answer your questions.

Do You Divide Inheritance Among Assets?

 

First off, I'm sorry. I can only assume this question comes at a painful time in your life.

A divorce is one of the hardest things you may walk through for many reasons, but certainly it is the case financially. How you split an inheritance depends on the state you live in to exactly how your assets will be divided. 

This quickly becomes a legal issue rather than only a financial issue. As long as a couple of things are clear that I'll discuss on the show, you will likely be able to make a case to receive a full inheritance.

pexels-photo-147408.jpeg

]]> Thu, 16 Nov 2017 10:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/splitting-assets-like-inheritance-after-a7d47308 This mini-episode comes directly from a question sent to our teamand is part of the show's Lightning Round where we answer your questions.

Do You Divide Inheritance Among Assets?

 

First off, I'm sorry. I can only assume this question comes at a painful time in your life.

A divorce is one of the hardest things you may walk through for many reasons, but certainly it is the case financially. How you split an inheritance depends on the state you live in to exactly how your assets will be divided. 

This quickly becomes a legal issue rather than only a financial issue. As long as a couple of things are clear that I'll discuss on the show, you will likely be able to make a case to receive a full inheritance.

pexels-photo-147408.jpeg

]]> Splitting Assets Like Inheritance After Divorce (Mini-Episode) Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:04:22 A divorce is one of the hardest things you may walk through for many reasons, but certainly, it is the case financially. How you split an inheritance depends on the state you live into exactly how your assets will be divided. A divorce is one of the hardest things you may walk through for many reasons, but certainly, it is the case financially. How you split an inheritance depends on the state you live into exactly how your assets will be divided. no full 55 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:599ca0194c0dbf9042711148 Can't Open An IRA - What Should We Do? (Lightning Round) This mini-episode comes directly from a question sent to our teamand is part of the show's Lightning Round where we answer your questions.

Does An IRA Still Work Even If You Don't Work?

This question comes in from Lisa, who may have received bad advice from the bank.

The truth is: anyone who is working can open an IRA - an individual retirement account, but there's more to it.

If your spouse is working, and making at least $13,000 of taxable income annually, you should BOTH be able to open up the account. I'll explain it fully in this mini-episode where we answer your questions.

Ask Your Question Now pexels-photo-601170.jpeg

]]> Tue, 14 Nov 2017 10:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/cant-open-an-ira-what-should-we-do-f1a07b74 This mini-episode comes directly from a question sent to our teamand is part of the show's Lightning Round where we answer your questions.

Does An IRA Still Work Even If You Don't Work?

This question comes in from Lisa, who may have received bad advice from the bank.

The truth is: anyone who is working can open an IRA - an individual retirement account, but there's more to it.

If your spouse is working, and making at least $13,000 of taxable income annually, you should BOTH be able to open up the account. I'll explain it fully in this mini-episode where we answer your questions.

Ask Your Question Now pexels-photo-601170.jpeg

]]> Can't Open An IRA - What Should We Do? (Lightning Round) Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:04:20 Does an IRA still work even if you aren't? This question comes from Lisa, who possibly received bad advice from the bank. Does an IRA still work even if you aren't? This question comes from Lisa, who possibly received bad advice from the bank. no full 54 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:599c9b03f14aa1f931316a69 A Better Option Than Long-Term Care For Your Retirement (Mini-Episode) This mini-episode comes directly from a question sent to our teamand is part of the show's Lightning Round where we answer your questions.

Terry asks Chris about the value of long-term care insurance.  

What do you need to consider as you plan for retirement?
 

Over 90% of insurance companies have increased the costs of long-term care coverage. 

 

Listen in to hear how to better understand your costs & create a plan to protect your future

Chris helps Terry learn how to protect herself from the risk of needing long-term care coverage and what options she needs to consider. 

Listen on Apple itunes woodland-road-falling-leaf-natural-38537.jpeg

The BIG Takeaway:

Trends show healthcare beginning to include long-term care coverage. Meaning you could be investing in something for years that may soon be given away - be careful.

Insurance companies saw this coming years ago and created a great solution to look into.
 

The right life insurance policy can provide you with a fixed cost and carry all the provisions for long-term care, but with added flexibility.

 

The most important thing is choosing the best life insurance policy to fit your needs.

Ask My Question Now 

]]> Fri, 10 Nov 2017 10:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/a-better-option-than-long-term-care-for-70cc0597 This mini-episode comes directly from a question sent to our teamand is part of the show's Lightning Round where we answer your questions.

Terry asks Chris about the value of long-term care insurance.  

What do you need to consider as you plan for retirement?
 

Over 90% of insurance companies have increased the costs of long-term care coverage. 

 

Listen in to hear how to better understand your costs & create a plan to protect your future

Chris helps Terry learn how to protect herself from the risk of needing long-term care coverage and what options she needs to consider. 

Listen on Apple itunes woodland-road-falling-leaf-natural-38537.jpeg

The BIG Takeaway:

Trends show healthcare beginning to include long-term care coverage. Meaning you could be investing in something for years that may soon be given away - be careful.

Insurance companies saw this coming years ago and created a great solution to look into.
 

The right life insurance policy can provide you with a fixed cost and carry all the provisions for long-term care, but with added flexibility.

 

The most important thing is choosing the best life insurance policy to fit your needs.

Ask My Question Now 

]]> A Better Option Than Long-Term Care For Your Retirement (Mini-Episode) Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:06:04 Chris helps Terry learn how to protect herself from the risk of needing long-term care coverage and what options she needs to consider. Chris helps Terry learn how to protect herself from the risk of needing long-term care coverage and what options she needs to consider. no full 53 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:599c9ceb15d5dbfca07e8df7 Is It Worth Investing In A 401k With No Match? (Mini-Episode) This mini-episode comes directly from a question sent to our teamand is part of the show's Lightning Round where we answer your questions.

Listen In & Hear the Answer

Context is everything here, but this answer is relevant for anyone with or without a 401K employer match. We dive into if the 401k is the best use of your personal finances.

pexels-photo-40525.jpeg

 

Here are the Foundational Things You Need To Do Before You Invest In A 401K

 

1. Do You Have An Emergency Fund?

We recommend building three months of liquid savings.

 

2. Open A ROTH IRA

A 401K is pre-taxed. A fully funded ROTH IRA gives you a bigger pile of liquid funds and allows you to withdrawal without penalty.

 

3. Time to Consider a 401K

But, if you're not getting a match... there still could be better options.

 

:: This is the plan we recommend to all of our clients seeking financial peace and confidence ::

 

Helpful Links to Learn More:

 

Ask My Question Now

]]> Wed, 8 Nov 2017 14:51:58 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/is-it-worth-investing-in-a-401k-with-no-be483f94 This mini-episode comes directly from a question sent to our teamand is part of the show's Lightning Round where we answer your questions.

Listen In & Hear the Answer

Context is everything here, but this answer is relevant for anyone with or without a 401K employer match. We dive into if the 401k is the best use of your personal finances.

pexels-photo-40525.jpeg

 

Here are the Foundational Things You Need To Do Before You Invest In A 401K

 

1. Do You Have An Emergency Fund?

We recommend building three months of liquid savings.

 

2. Open A ROTH IRA

A 401K is pre-taxed. A fully funded ROTH IRA gives you a bigger pile of liquid funds and allows you to withdrawal without penalty.

 

3. Time to Consider a 401K

But, if you're not getting a match... there still could be better options.

 

:: This is the plan we recommend to all of our clients seeking financial peace and confidence ::

 

Helpful Links to Learn More:

 

Ask My Question Now

]]> Is It Worth Investing In A 401k With No Match? (Mini-Episode) Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:05:02 Context is everything, but this answer is actually relevant to if you are receiving a match on your 401k or your company offers no match. Context is everything, but this answer is actually relevant to if you are receiving a match on your 401k or your company offers no match. no full 52 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:59ff61aee2c483f6d05ae31b A Conversation With HIPnation & Will Hall On Healthcare, Insurance and Innovation Forget Everything You Know About Insurance & Healthcare Before You Go Any Farther

 

Will Hall has a passion for life and wants to see individuals live healthier, more fulfilled lives. This is an incredibly refreshing message to hear and one that has been desperately missing in the healthcare and insurance world!

As the CEO of HIPnation, Will brings a healthcare model that is rooted in INNOVATION and SIMPLICITY to create a better solution for physicians and patients. Will has been involved in healthcare in a variety of positions, from serving as lead Physical Therapist for the inaugural Cardiac Transplant Team at North Carolina Baptist Hospital to leading more than 150 clinics as Regional Vice President of a national healthcare provider. 

Who isHIPnation? We think you'll enjoy finding out.

 

Listen to the Full Interview with Will Hall:

Listen on Apple Itunes fam pic.jpeg

 

Key Quotes

"You will not believe the savings, when we remove insurance from what it shouldn't cover and only use it for what it should cover."

"We're not insurance, but can be ACA compliant."

"You can argue over the politics of insurance all you want. We're talking about taking care of people. Let's do healthcare, and let's do healthcare really well. Taking great care of patients is apolitical."

"Our country spends more per capita on healthcare costs than anywhere else and we get poorer outcomes. It's a broken system, and it needs to be radically different."
 

"If we can help you be healthy, help you thrive, you will be a better person. You have to be healthy."

 

HermainCain_HIPNation.png

Want to Learn More About HIPnation?

 

Thank You, Will!

look for the more than money team when you are sitting on I-85 enjoying the Atlanta rush-hour traffic.

 

 

**Enjoy Your Life. Grow Your Wealth. **

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</a><a href="https://twitter.com/MoreThanMoneyFM" target="_blank">
  
    
      
      
    
  
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]]> Mon, 6 Nov 2017 10:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/a-conversation-with-hipnation-will-hall-42ac26e6 Forget Everything You Know About Insurance & Healthcare Before You Go Any Farther

 

Will Hall has a passion for life and wants to see individuals live healthier, more fulfilled lives. This is an incredibly refreshing message to hear and one that has been desperately missing in the healthcare and insurance world!

As the CEO of HIPnation, Will brings a healthcare model that is rooted in INNOVATION and SIMPLICITY to create a better solution for physicians and patients. Will has been involved in healthcare in a variety of positions, from serving as lead Physical Therapist for the inaugural Cardiac Transplant Team at North Carolina Baptist Hospital to leading more than 150 clinics as Regional Vice President of a national healthcare provider. 

Who isHIPnation? We think you'll enjoy finding out.

 

Listen to the Full Interview with Will Hall:

Listen on Apple Itunes fam pic.jpeg

 

Key Quotes

"You will not believe the savings, when we remove insurance from what it shouldn't cover and only use it for what it should cover."

"We're not insurance, but can be ACA compliant."

"You can argue over the politics of insurance all you want. We're talking about taking care of people. Let's do healthcare, and let's do healthcare really well. Taking great care of patients is apolitical."

"Our country spends more per capita on healthcare costs than anywhere else and we get poorer outcomes. It's a broken system, and it needs to be radically different."
 

"If we can help you be healthy, help you thrive, you will be a better person. You have to be healthy."

 

HermainCain_HIPNation.png

Want to Learn More About HIPnation?

 

Thank You, Will!

look for the more than money team when you are sitting on I-85 enjoying the Atlanta rush-hour traffic.

 

 

**Enjoy Your Life. Grow Your Wealth. **

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</a><a href="https://twitter.com/MoreThanMoneyFM" target="_blank">
  
    
      
      
    
  
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]]> A Conversation With HIPnation & Will Hall On Healthcare, Insurance and Innovation Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 01:03:05 Herman Cain sings high praises of HIPnation, saying "It is the best solution to healthcare, I've seen in thirty years." We sat down with the CEO of Atlanta-based HIPnation, Will Hall who believes in taking care of people in a fresh approach to insurance and healthcare. Herman Cain sings high praises of HIPnation, saying "It is the best solution to healthcare, I've seen in thirty years." We sat down with the CEO of Atlanta-based HIPnation, Will Hall who believes in taking care of people in a fresh approach to insurance and healthcare. no full 51 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:59f9ee09652dea6687cd68cf Be Confident You Will Retire How Much Is Enough for (YOUR) Retirement?

 

What is the basis for knowing that you will be okay in retirement?
 

I'll always remember one of my wealthiest clients who was a top-level CEO for many years. We sat down for dinner, just the two of us. He looked at me before the meal arrived, and said: "Chris, are you saying I'm really going to be okay? I just don't know."

That moment was powerful. It was a lesson for me. It affirmed that confidence in retirement isn't a number. It isn't a status. It is a plan.
 

Anxiety is not a symptom of how much you've made or how much you've saved.

 

If You're Feeling Anxious About Your Retirement...

  1. Create A Detailed Income Plan

An income plan to the depth you need is more than a home-made Excel Spreadsheet. 

I have many clients that can create amazing worksheets to project their income, but despite their Excel resume, they can't deliver the depth they need for retirement planning. Why?Because the average person, and many financial advisors, don't have the intelligent software to factor in:

Taxes

Inflation

Early Death in the Family

Social Security Changes

Long-Term Care Issues

There is actually software that allows you to illustrate the reality of what will happen exactly if any of the "could happens" become a reality and see how it will affect your financial picture. 

 

2. Make Your Plan Ready To Shift

Things change. You hear it all the time, "Life Happens." It's why the Waze app is amazing and my clutch for Atlanta traffic! 

Yes, your plan needs to be ready for your current dreams, but also it needs to be ready for the life that hasn't happened yet. Life moves fast, and your plan needs to be able to change.

It's funny, some life decisions that can change your financial picture are obvious, but I even had a client call me and ask what would be the long-term impact of him purchasing a new boat!

 

Listen to The Full Show:

This eight-minute segment from the More than Money show on WSB Radio unpacks how confidence in your financial future is found in details and adaptability. Hear client stories and more on an area we are so passionate about - planning that improves your life.

  pexels-photo-414530.jpeg

Key Quotes:

"Our team just invested a ton of time and resources to upgrade our financial projection software from last year to be the most updated tool available."> "Client after client is now living without anxiety."> "Be confident you are moving in the right direction, even when life happens."

 

Get An Answer to My Situation Now

 

GREAT LINKs To LEARN MORE:

]]> Fri, 3 Nov 2017 12:47:13 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/be-confident-you-will-retire-9d7b5064 How Much Is Enough for (YOUR) Retirement?

 

What is the basis for knowing that you will be okay in retirement?
 

I'll always remember one of my wealthiest clients who was a top-level CEO for many years. We sat down for dinner, just the two of us. He looked at me before the meal arrived, and said: "Chris, are you saying I'm really going to be okay? I just don't know."

That moment was powerful. It was a lesson for me. It affirmed that confidence in retirement isn't a number. It isn't a status. It is a plan.
 

Anxiety is not a symptom of how much you've made or how much you've saved.

 

If You're Feeling Anxious About Your Retirement...

  1. Create A Detailed Income Plan

An income plan to the depth you need is more than a home-made Excel Spreadsheet. 

I have many clients that can create amazing worksheets to project their income, but despite their Excel resume, they can't deliver the depth they need for retirement planning. Why?Because the average person, and many financial advisors, don't have the intelligent software to factor in:

Taxes

Inflation

Early Death in the Family

Social Security Changes

Long-Term Care Issues

There is actually software that allows you to illustrate the reality of what will happen exactly if any of the "could happens" become a reality and see how it will affect your financial picture. 

 

2. Make Your Plan Ready To Shift

Things change. You hear it all the time, "Life Happens." It's why the Waze app is amazing and my clutch for Atlanta traffic! 

Yes, your plan needs to be ready for your current dreams, but also it needs to be ready for the life that hasn't happened yet. Life moves fast, and your plan needs to be able to change.

It's funny, some life decisions that can change your financial picture are obvious, but I even had a client call me and ask what would be the long-term impact of him purchasing a new boat!

 

Listen to The Full Show:

This eight-minute segment from the More than Money show on WSB Radio unpacks how confidence in your financial future is found in details and adaptability. Hear client stories and more on an area we are so passionate about - planning that improves your life.

  pexels-photo-414530.jpeg

Key Quotes:

"Our team just invested a ton of time and resources to upgrade our financial projection software from last year to be the most updated tool available."> "Client after client is now living without anxiety."> "Be confident you are moving in the right direction, even when life happens."

 

Get An Answer to My Situation Now

 

GREAT LINKs To LEARN MORE:

]]> Be Confident You Will Retire Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:08:24 Hear client stories and more on an area we are so passionate about - planning that improves your life. Hear client stories and more on an area we are so passionate about - planning that improves your life. no full 50 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:59f75be3d6839a7319eb0ad9 Retirement Watch: The 401(k) Is Under Attack will everything be o(k) ?

If  the proposed massive tax cuts are approved the government will need to find a solution to make up for the extreme loss in revenue. Where do they turn? Well, 2/3 of American workers have access to 401(k) plans, and just when we thought it was safe... it may be on the table.
 

republicans must solve the revenue gap tax cuts will create.

 

401(k)s are a sweet place for the government to look as half of Americans are investing in a 401(k) plan. There are THREE BIG QUESTIONS TO ADDRESS:
 

**1. Are 401(k) changes going to happen? **

Nobody knows if this is going to happen, but when it was even rumored to be a potential change it sparked OUTRAGE! 

401(k) is pre-taxed money. The government is considering if they lower the amount you can contribute in PRE-TAX dollars i.e. money we lose revenue on this year. 

Imagine the $18,000 contribution (Or $24,000 if you're over 65) limit being reduced to $2,400. 

Answer:

Legislators appear to be very unwilling to endorse the 401(k) changes. I think it is very unlikely that these proposed shifts to the 401(k) contribution limits will happen.

 

2. If change Does Happen - What Should you Do?

If you have a high salary that is taxed. This is significant.

If traditional 401(k) contributions are reduced it affects those who view it as a significant tax reductions.

ANSWER:

You would need to consider after tax saving options like a ROTH IRA. sure, there will be tax changes, but it won't stop you for saving for retirement.

 

3. Am I rightly thinking about My 401(K)?

Your 401(k) is not your plan for retirement.

A 401(k) is a tool. It is a "part" of a good plan. Not the plan itself.

The government can not wreck your retirement by lowering 401(k) contributions, YOU can wreck your retirement by not saving any more. YOU can wreck your future by not having a strong plan that accounts for life changing.

ANSWER:

If something changes to the 401(k), your plan for retirement should be strong enough to stay on track. your 401(k) is a piece of your overall plan and not the absolute towards retirement success.
 

Listen to The Full Show:

401(k)s can be complex. Listen in to understand exactly what we believe is coming down the pipeline, how your 401(k) is a "part" of your financial plan, and most importantly how to build a STRONG plan to reach your goals_._

  pexels-photo-414530.jpeg

Key Quotes:

"The fact the President Trump tweeted about it Monday shows the level of outrage people feel.">  > "The government can not wreck your retirement by lowering 401(k) contributions, YOU can wreck your retirement by not saving any more. YOU can wreck your future by not having a strong plan that accounts for life changing.">  > "A lot of people I meet with have elevated 401(k)'s to be the end all. It is a great tool. Financial products are all tools. I love 401(k)'s, but we too often make them the most important thing."

 

Get An Answer to My Situation Now

 

GREAT LINKs To LEARN MORE:

]]> Fri, 3 Nov 2017 12:47:07 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/retirement-watch-the-401k-is-under-199c3f1d will everything be o(k) ?

If  the proposed massive tax cuts are approved the government will need to find a solution to make up for the extreme loss in revenue. Where do they turn? Well, 2/3 of American workers have access to 401(k) plans, and just when we thought it was safe... it may be on the table.
 

republicans must solve the revenue gap tax cuts will create.

 

401(k)s are a sweet place for the government to look as half of Americans are investing in a 401(k) plan. There are THREE BIG QUESTIONS TO ADDRESS:
 

**1. Are 401(k) changes going to happen? **

Nobody knows if this is going to happen, but when it was even rumored to be a potential change it sparked OUTRAGE! 

401(k) is pre-taxed money. The government is considering if they lower the amount you can contribute in PRE-TAX dollars i.e. money we lose revenue on this year. 

Imagine the $18,000 contribution (Or $24,000 if you're over 65) limit being reduced to $2,400. 

Answer:

Legislators appear to be very unwilling to endorse the 401(k) changes. I think it is very unlikely that these proposed shifts to the 401(k) contribution limits will happen.

 

2. If change Does Happen - What Should you Do?

If you have a high salary that is taxed. This is significant.

If traditional 401(k) contributions are reduced it affects those who view it as a significant tax reductions.

ANSWER:

You would need to consider after tax saving options like a ROTH IRA. sure, there will be tax changes, but it won't stop you for saving for retirement.

 

3. Am I rightly thinking about My 401(K)?

Your 401(k) is not your plan for retirement.

A 401(k) is a tool. It is a "part" of a good plan. Not the plan itself.

The government can not wreck your retirement by lowering 401(k) contributions, YOU can wreck your retirement by not saving any more. YOU can wreck your future by not having a strong plan that accounts for life changing.

ANSWER:

If something changes to the 401(k), your plan for retirement should be strong enough to stay on track. your 401(k) is a piece of your overall plan and not the absolute towards retirement success.
 

Listen to The Full Show:

401(k)s can be complex. Listen in to understand exactly what we believe is coming down the pipeline, how your 401(k) is a "part" of your financial plan, and most importantly how to build a STRONG plan to reach your goals_._

  pexels-photo-414530.jpeg

Key Quotes:

"The fact the President Trump tweeted about it Monday shows the level of outrage people feel.">  > "The government can not wreck your retirement by lowering 401(k) contributions, YOU can wreck your retirement by not saving any more. YOU can wreck your future by not having a strong plan that accounts for life changing.">  > "A lot of people I meet with have elevated 401(k)'s to be the end all. It is a great tool. Financial products are all tools. I love 401(k)'s, but we too often make them the most important thing."

 

Get An Answer to My Situation Now

 

GREAT LINKs To LEARN MORE:

]]> Retirement Watch: The 401(k) Is Under Attack Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:21:36 401(k)s can be complex. Listen in to understand exactly what we believe is coming down the pipeline, how your 401(k) is a "part" of your financial plan, and most importantly how to build a STRONG plan to reach your goals. 401(k)s can be complex. Listen in to understand exactly what we believe is coming down the pipeline, how your 401(k) is a "part" of your financial plan, and most importantly how to build a STRONG plan to reach your goals. no full 49 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:59f25c87e2c483aeaf02bbb8 Expecting the Unexpected & Tax Reform Tax reform is coming very soon and can affect you. 

In case you missed it, we touched on what this could mean on last week's show. 

Any fans of the Rocky movies out there? Remember how before the fights there was all this boasting, yelling, and a lot of hype? None of it meant anything until they got in the ring. 

black-and-white-sport-fight-boxer.jpg

 

That's a little bit like what's been happening between the Senate and the House, Democrats and Republicans. There's been a lot of hype, a lot of tweeting, but now we get to see what's actually going to happen. 

 

There are two things that could happen: 

  1. Massive amounts of programs from the government are cut. This means programs such as social security, welfare, medicare, medicaid. 
  2. 401K contributions could be cut. The government loses a lot of revenue through 401Ks each year. When you put money in your 401K, it's PRE-TAX. That means the government doesn't get paid from that immediately. They get paid long-term, when you take the money out. So now, they're thinking of cutting the amount of pre-tax savings you're allowed to do. We're talking from $18,500 to $2,000 (rumored). 

There will be changes legislatively and life changes. Is your plan built to handle change? 

 

If your plan can't handle change, then your plan isn't built well. 

 

Let's look at an example. 

Say you're saving for long-term care. The average cost is up to $8,000 a year now. The cost of long-term care continues to sky-rocket! Suppose you start investing into long-term care insurance. You continue to pay into it, but eventually the government takes over and says it's just part of general medicare coverage now for anyone in retirement age. You just wasted all that money!  I looked at this example with a client recently. Our solution? We decided to purchase a life insurance policy that contained long-term care benefits. This is a huge advantage because it's, you guessed it, flexible.  

Your plan needs to be a living, breathing document that changes over time. If you don't feel like your plan is where it should be, I'd love to meet with you for a free consultation and see where we can improve. 

 

Listen to The Full Show:

Listen in for tips on how you can prepare for the impending tax reform. Plus, what you should be looking for in a financial planner. (Listen in at 7:42).

 

Key Quotes:

"There will be changes legislatively and other changes that come along throughout your life. Is your plan built to handle change?">  > "We're about to see whether tax reform can be passed. If it is, it can be the most remarkable change to the tax system in 30 years."

 

Get An Answer to My Situation Now

 

GREAT LINKs To LEARN MORE:

]]> Fri, 27 Oct 2017 09:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/expecting-the-unexpected-tax-reform-53520e43 Tax reform is coming very soon and can affect you. 

In case you missed it, we touched on what this could mean on last week's show. 

Any fans of the Rocky movies out there? Remember how before the fights there was all this boasting, yelling, and a lot of hype? None of it meant anything until they got in the ring. 

black-and-white-sport-fight-boxer.jpg

 

That's a little bit like what's been happening between the Senate and the House, Democrats and Republicans. There's been a lot of hype, a lot of tweeting, but now we get to see what's actually going to happen. 

 

There are two things that could happen: 

  1. Massive amounts of programs from the government are cut. This means programs such as social security, welfare, medicare, medicaid. 
  2. 401K contributions could be cut. The government loses a lot of revenue through 401Ks each year. When you put money in your 401K, it's PRE-TAX. That means the government doesn't get paid from that immediately. They get paid long-term, when you take the money out. So now, they're thinking of cutting the amount of pre-tax savings you're allowed to do. We're talking from $18,500 to $2,000 (rumored). 

There will be changes legislatively and life changes. Is your plan built to handle change? 

 

If your plan can't handle change, then your plan isn't built well. 

 

Let's look at an example. 

Say you're saving for long-term care. The average cost is up to $8,000 a year now. The cost of long-term care continues to sky-rocket! Suppose you start investing into long-term care insurance. You continue to pay into it, but eventually the government takes over and says it's just part of general medicare coverage now for anyone in retirement age. You just wasted all that money!  I looked at this example with a client recently. Our solution? We decided to purchase a life insurance policy that contained long-term care benefits. This is a huge advantage because it's, you guessed it, flexible.  

Your plan needs to be a living, breathing document that changes over time. If you don't feel like your plan is where it should be, I'd love to meet with you for a free consultation and see where we can improve. 

 

Listen to The Full Show:

Listen in for tips on how you can prepare for the impending tax reform. Plus, what you should be looking for in a financial planner. (Listen in at 7:42).

 

Key Quotes:

"There will be changes legislatively and other changes that come along throughout your life. Is your plan built to handle change?">  > "We're about to see whether tax reform can be passed. If it is, it can be the most remarkable change to the tax system in 30 years."

 

Get An Answer to My Situation Now

 

GREAT LINKs To LEARN MORE:

]]> Expecting the Unexpected & Tax Reform Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:19:55 Legislation will change and life will throw you curveballs. Can your financial plan handle it? Legislation will change and life will throw you curveballs. Can your financial plan handle it? no full 48 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:59ee28cd2714e5c3810714db Where Should you Invest If You're In Your 20's, 30's, or 40's? We are breaking lots of records right now.

The S&P hasn't had more than a 3% drop in months now, the longest streak ever. 
 

Volatility isn't a bad thing. 

 

It's normal to have ups and downs in the market, so it is particularly strange to go this long without a drop. It's giving a false sense of security. 
 

**Think of the long game.  **

If you're younger (20's, 30's or 40's), now is the time to invest. You have to drop this idea of market timing. Jump in now!

In an article titled, "Millennials Think Now Is the Right Time to Invest, and They're Right", Mark Matson says, "Market timing, whether you get in or out at the right time is the most destructive thing you could possibly do." 
 

The only way to really have success long-term is to pick a risk you can handle, get in, and stay in.

 

When the market drops, view that as an opportunity. Historically, after every significant drop, we see explosive growth. That is the way you win with long-term investing.

 

Listen to The Full Show:

Listen in for tips that will help you stay in the market even when it drops. Hear how you can know your risk, stick with it, and see long-term growth (Listen in at 8:09).

  pexels-photo-429247.jpeg

Key Quotes:

"Don’t avoid the market just because it’s up. Be sure you’re willing to stay in when it drops. ">  > "So much of my job is coaching, helping you stay in when the market drops, when it doesn’t feel good emotionally, but we know we’re on the cusp of great growth if we just stick with it.">  > "The only way to really have success long-term is to pick a risk you can handle, get in, and stay in."

 

Get An Answer to My Situation Now

 

GREAT LINKs To LEARN MORE:

]]> Wed, 25 Oct 2017 21:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/where-should-you-invest-if-youre-in-your-8ba4a0ae We are breaking lots of records right now.

The S&P hasn't had more than a 3% drop in months now, the longest streak ever. 
 

Volatility isn't a bad thing. 

 

It's normal to have ups and downs in the market, so it is particularly strange to go this long without a drop. It's giving a false sense of security. 
 

**Think of the long game.  **

If you're younger (20's, 30's or 40's), now is the time to invest. You have to drop this idea of market timing. Jump in now!

In an article titled, "Millennials Think Now Is the Right Time to Invest, and They're Right", Mark Matson says, "Market timing, whether you get in or out at the right time is the most destructive thing you could possibly do." 
 

The only way to really have success long-term is to pick a risk you can handle, get in, and stay in.

 

When the market drops, view that as an opportunity. Historically, after every significant drop, we see explosive growth. That is the way you win with long-term investing.

 

Listen to The Full Show:

Listen in for tips that will help you stay in the market even when it drops. Hear how you can know your risk, stick with it, and see long-term growth (Listen in at 8:09).

  pexels-photo-429247.jpeg

Key Quotes:

"Don’t avoid the market just because it’s up. Be sure you’re willing to stay in when it drops. ">  > "So much of my job is coaching, helping you stay in when the market drops, when it doesn’t feel good emotionally, but we know we’re on the cusp of great growth if we just stick with it.">  > "The only way to really have success long-term is to pick a risk you can handle, get in, and stay in."

 

Get An Answer to My Situation Now

 

GREAT LINKs To LEARN MORE:

]]> Where Should you Invest If You're In Your 20's, 30's, or 40's? Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:12:54 The only way to really have success long-term is to pick the right amount of risk, and stick with it. The only way to really have success long-term is to pick the right amount of risk, and stick with it. no full 47 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:59ee0d34f93fd4cbb784e5a7 Buyer Beware: The Bitcoin Bandwagon Don't put all your bitcoins into one basket.

 

Bitcoin is up 900% from a year ago. With that crazy amount of growth, it sounds sexy and exciting. Who doesn't want to get rich quick? It's hard not to feel like you're missing out. 

"You could be a millionaire in 6 months!" and "You could turn $100 into a retirement fortune!" 

These are all things people trying to get you to invest in Bitcoin have said. In fact, three of my clients this week have called to ask about it. I'm not surprised.

Beware. It sounds exciting, but it can be dangerous. 

 

What are You Missing Out on?

Instead of taking a large chunk of your money and investing it into one thing (i.e. Bitcoin), spread your investments across the whole market.  
 

**Good investing requires diversification. **

 

This lowers your risk without having to sacrifice returns. 

 

Be balanced.

It's ok to have some fun money. If you follow the "Foundation First" principle, build an emergency fund, put away what you need to for retirement every year and do that consistently, 
 

it's fine to take some money and go have fun with it. 

Just make sure the amount of money you take, you're willing to lose. And remember:  **The real power is in diversified investing over time. **

 

The power of compounding interest over time is incredible. It's not as exciting to make 7% or 8% over time, but it works.

And that's how you build **true wealth. **

 

Listen to The Full Show:

Hear Chris explain the danger behind jumping on the Bitcoin bandwagon. Listen in for how to grow true wealth and live out your dreams. (Listen in at 6:24).

  pexels-photo-251287 (1).png

Key Quotes:

"The power of long-term investing over time is like a miracle. It's incredible. People make fortunes, they make their retirements because of it. And yet, it's not doubling your money next year.">  > "What happens when the Bitcoin bubble bursts? You lose a lot of money."> "Don't take risks you don't need to take."

 

Get An Answer to My Situation Now 

]]> Mon, 23 Oct 2017 21:25:48 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/buyer-beware-the-bitcoin-bandwagon-72a059bb Don't put all your bitcoins into one basket.

 

Bitcoin is up 900% from a year ago. With that crazy amount of growth, it sounds sexy and exciting. Who doesn't want to get rich quick? It's hard not to feel like you're missing out. 

"You could be a millionaire in 6 months!" and "You could turn $100 into a retirement fortune!" 

These are all things people trying to get you to invest in Bitcoin have said. In fact, three of my clients this week have called to ask about it. I'm not surprised.

Beware. It sounds exciting, but it can be dangerous. 

 

What are You Missing Out on?

Instead of taking a large chunk of your money and investing it into one thing (i.e. Bitcoin), spread your investments across the whole market.  
 

**Good investing requires diversification. **

 

This lowers your risk without having to sacrifice returns. 

 

Be balanced.

It's ok to have some fun money. If you follow the "Foundation First" principle, build an emergency fund, put away what you need to for retirement every year and do that consistently, 
 

it's fine to take some money and go have fun with it. 

Just make sure the amount of money you take, you're willing to lose. And remember:  **The real power is in diversified investing over time. **

 

The power of compounding interest over time is incredible. It's not as exciting to make 7% or 8% over time, but it works.

And that's how you build **true wealth. **

 

Listen to The Full Show:

Hear Chris explain the danger behind jumping on the Bitcoin bandwagon. Listen in for how to grow true wealth and live out your dreams. (Listen in at 6:24).

  pexels-photo-251287 (1).png

Key Quotes:

"The power of long-term investing over time is like a miracle. It's incredible. People make fortunes, they make their retirements because of it. And yet, it's not doubling your money next year.">  > "What happens when the Bitcoin bubble bursts? You lose a lot of money."> "Don't take risks you don't need to take."

 

Get An Answer to My Situation Now 

]]> Buyer Beware: The Bitcoin Bandwagon Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:13:43 The dangers of cryptocurrencies you haven't heard about. Here's what to look out for and how to be wise with your money and grow your wealth. The dangers of cryptocurrencies you haven't heard about. Here's what to look out for and how to be wise with your money and grow your wealth. no full 46 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:59e67948d74cff3b4e1ed1e7 Nerd Alert! Behavioral Economics + Your Money Money Management Doesn't Always Feel Good

We like to think we always make decisions based on logic and reason, but it is important to realize emotions can sometimes get in the way.
 

FACT: emotions have the ability to drive our decisions. 

Often what prompts your financial judgments is based on the comfort, insecurities, or feelings within ourselves. Instincts are powerful, and not always bad. However, if your instincts are negatively affecting your future, it may be time to change your plan.

The latest Nobel Peace Prize winner, Richard Thaler, would emphasize there is a gap between rational economic decisions and human psychology. The important takeaway from Thaler's findings, is to make sure you do not fall in that gap.

**How Does understanding your behavior Impact Your future? **

Sound investing is counter-intuitive to our emotions. Buying stocks when they are low and selling them when they are high may sound great, but it's one of the hardest things to do.

Up front, your financial planner is responsible for helping you make a plan, but long-term, your planner should help you stick to it. A solid financial plan won't always feel good, which is exactly why a financial planner should be someone to coach you through it.

It's time for you to challenge yourself. Be uncomfortable for a moment. Ask yourself, "What financial decisions am I making, or avoiding,  based on how it makes me feel?"

Coaching our clients is a role we embrace at More Than Money and something you must demand of your financial planner. 

Listen to The Full Show:

Get the full story on the ways your emotions could be creeping into your financial decision making. You may feel secure, but you will be shocked by the examples we witness all the time (Listen in at 5:52). The last thing we want is for you to fall victim to your emotions' sneaky ways.

  Person_Walking_GreenLight.jpeg

Key Quotes:

"Having sat down with hundreds of people, I have learned how people make decisions. I hate to see people make emotional decisions that have a painful impact on their future."> "That's where my job really comes into play. It's not when you are sitting in my air-conditioned office and you're telling me how you theoretically want to be invested. It matters when you are watching the TV telling you the market is going to drop."
 > "I sit. I coach. We say hard things to each other. Then, you know what? You get to a point where you reach your dreams for the future."

 

Get An Answer to My Situation Now

 

GREAT LINKs To LEARN MORE:

]]> Sat, 21 Oct 2017 18:44:45 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/nerd-alert-behavioral-economics-your-85095d2d Money Management Doesn't Always Feel Good

We like to think we always make decisions based on logic and reason, but it is important to realize emotions can sometimes get in the way.
 

FACT: emotions have the ability to drive our decisions. 

Often what prompts your financial judgments is based on the comfort, insecurities, or feelings within ourselves. Instincts are powerful, and not always bad. However, if your instincts are negatively affecting your future, it may be time to change your plan.

The latest Nobel Peace Prize winner, Richard Thaler, would emphasize there is a gap between rational economic decisions and human psychology. The important takeaway from Thaler's findings, is to make sure you do not fall in that gap.

**How Does understanding your behavior Impact Your future? **

Sound investing is counter-intuitive to our emotions. Buying stocks when they are low and selling them when they are high may sound great, but it's one of the hardest things to do.

Up front, your financial planner is responsible for helping you make a plan, but long-term, your planner should help you stick to it. A solid financial plan won't always feel good, which is exactly why a financial planner should be someone to coach you through it.

It's time for you to challenge yourself. Be uncomfortable for a moment. Ask yourself, "What financial decisions am I making, or avoiding,  based on how it makes me feel?"

Coaching our clients is a role we embrace at More Than Money and something you must demand of your financial planner. 

Listen to The Full Show:

Get the full story on the ways your emotions could be creeping into your financial decision making. You may feel secure, but you will be shocked by the examples we witness all the time (Listen in at 5:52). The last thing we want is for you to fall victim to your emotions' sneaky ways.

  Person_Walking_GreenLight.jpeg

Key Quotes:

"Having sat down with hundreds of people, I have learned how people make decisions. I hate to see people make emotional decisions that have a painful impact on their future."> "That's where my job really comes into play. It's not when you are sitting in my air-conditioned office and you're telling me how you theoretically want to be invested. It matters when you are watching the TV telling you the market is going to drop."
 > "I sit. I coach. We say hard things to each other. Then, you know what? You get to a point where you reach your dreams for the future."

 

Get An Answer to My Situation Now

 

GREAT LINKs To LEARN MORE:

]]> Nerd Alert! Behavioral Economics + Your Money Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:20:53 President Trump made two massive announcements to change the way healthcare looks moving forward. The government announced they are... President Trump made two massive announcements to change the way healthcare looks moving forward. The government announced they are... no full 45 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:59e81cd5bff200901d0e2c66 What You Need to Know About The Tax Reform (Plus: Who It Hurts) If You Love Taxes Stop Reading

Not liking taxes is something everyone can universally get behind. Despite having disagreements about the fine print, everyone mutually hates taxes.

Republicans have put out an aggressive agenda, and if it can happen it would be the first time since 1986! This reform is more than just the long-term impact on you; Congress feels like they have to do something here as the Republicans are in control of the House, the Senate, and the Presidency.
 

While there still isn't clarity, we can predict who needs to start paying attention.

**What If The Tax Reform Passes? How Will It Impact You? **

The overall changes that are coming are vague. For instance: the proposal will simplify tax brackets, but we don't know how the income brackets will be structured.

Who stands to lose the most as we currently understand the tax reform? 

 

1. Real Estate Agents Should Pay attention

(Listen in at 3:30)

The tax reform won't take away with the mortgage interest deduction, but a doubling of the standard deduction. The increased standard deduction means a far smaller group of people will choose to itemize their expenses, which may cause people to buy real estate less frequently.

There are ways this could be a good thing despite the frustrations that real estate agents may feel. 

 

2. Charities/non-profits Should pay attention

(Listen in at 6:54)

A lot of people choose to give, tithe, or donate with the incentive to have a tax deduction. If the reform doubles the standard deduction, there is less incentive to give.

There are also talks about repealing the estate tax, which would be another hit for charities.

 

 

Listen to The Full Show:

For most individuals outside of those two groups, you may be asking **what I should do? ** We talk about how every individual can prepare for tax season now and take an in-depth look at how you can save money and change your tax picture.

Regardless of what goes through Congress. You need to look at your taxes right now. 

  house-money-capitalism-fortune-12619.jpg

Key Quotes:

"I would not make any assumptions on what will go through right now. It only takes a few votes to tank legislation passing."> "When you pay too much in taxes, you're giving the government extra money all year. It's nice to get that money back, but it never needed to go to them. I'd rather you have the money and be able to grow it."
 > "If you don't know how to change your taxes, maximize your savings, or want professional input, we offer a free consultation to sit down and talk about your life."

 

Get An Answer to My Situation Now 

]]> Fri, 20 Oct 2017 09:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/what-you-need-to-know-about-the-tax-2f84db8b If You Love Taxes Stop Reading

Not liking taxes is something everyone can universally get behind. Despite having disagreements about the fine print, everyone mutually hates taxes.

Republicans have put out an aggressive agenda, and if it can happen it would be the first time since 1986! This reform is more than just the long-term impact on you; Congress feels like they have to do something here as the Republicans are in control of the House, the Senate, and the Presidency.
 

While there still isn't clarity, we can predict who needs to start paying attention.

**What If The Tax Reform Passes? How Will It Impact You? **

The overall changes that are coming are vague. For instance: the proposal will simplify tax brackets, but we don't know how the income brackets will be structured.

Who stands to lose the most as we currently understand the tax reform? 

 

1. Real Estate Agents Should Pay attention

(Listen in at 3:30)

The tax reform won't take away with the mortgage interest deduction, but a doubling of the standard deduction. The increased standard deduction means a far smaller group of people will choose to itemize their expenses, which may cause people to buy real estate less frequently.

There are ways this could be a good thing despite the frustrations that real estate agents may feel. 

 

2. Charities/non-profits Should pay attention

(Listen in at 6:54)

A lot of people choose to give, tithe, or donate with the incentive to have a tax deduction. If the reform doubles the standard deduction, there is less incentive to give.

There are also talks about repealing the estate tax, which would be another hit for charities.

 

 

Listen to The Full Show:

For most individuals outside of those two groups, you may be asking **what I should do? ** We talk about how every individual can prepare for tax season now and take an in-depth look at how you can save money and change your tax picture.

Regardless of what goes through Congress. You need to look at your taxes right now. 

  house-money-capitalism-fortune-12619.jpg

Key Quotes:

"I would not make any assumptions on what will go through right now. It only takes a few votes to tank legislation passing."> "When you pay too much in taxes, you're giving the government extra money all year. It's nice to get that money back, but it never needed to go to them. I'd rather you have the money and be able to grow it."
 > "If you don't know how to change your taxes, maximize your savings, or want professional input, we offer a free consultation to sit down and talk about your life."

 

Get An Answer to My Situation Now 

]]> What You Need to Know About The Tax Reform (Plus: Who It Hurts) Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:16:37 Republicans have put out an aggressive agenda, and if it can happen it would be the first time since 1986! This reform may drastically impact real estate agents, charities and non-profits, but changes are coming for all! Republicans have put out an aggressive agenda, and if it can happen it would be the first time since 1986! This reform may drastically impact real estate agents, charities and non-profits, but changes are coming for all! no full 44 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:59e828aee9bfdfb287f6ea3e Should You Really Freeze Your Credit? Let's Face the Equifax

Two-thirds of all Americans with credit reports had their information accessed during the Equifax 'data breach.' That is insane.

By now you've heard how the scandal is compromising millions of Americans' personal data. Richard Smith, CEO of Equifax, testified in front of Congress that Equifax "...didn't really understand the severity of the breach and did everything they could." 

Beyond this being unacceptable  for so many reasons, it brings up a conversation around protecting yourself in today's digital age.

 

**How Does This Data Breach Impact You & Your Future? **

 

It's time to freeze your credit.

It's not up to anyone but yourself to protect your most important information. 
 

YOu HAVE TO BE THE ONE TO TAKE RESPONSIBILITY FOR YOUR digital SAFETY.

You are the victim. I am the victim. We're the ones left worrying about identity theft even years from today.

 

**Freezing Your Credit Is Simple. **

I had a client come in recently worried that freezing his credit would affect his credit score and credit tracking. It won't.

Freezing your credit stops all new credit from being taken out unless you provide your unique PIN. Freezing it stops anyone who may have your information from creating new credit in your name.

The minor inconvenience of providing a PIN dramatically outweighs the risk of having your assets and identity compromised.

 

Click Here to Freeze Your Credit Today

 

Listen to The Full Show:

Hear Chris unpack this major scandal that puts you at risk. The Equifax data breach should open our eyes to a new frontier of risk exposure. Listen for what steps you can take to protect yourself.  (Listen in at 5:52).

  Girl-In-Jacket-Outside-Freezing.jpeg

Key Quotes:

"A year before the hack, an independent study by MSCI gave Equifax a score of ZERO for privacy and data security. If we couldn't see this coming, Equifax definitely should have."> "The people who advise against freezing your credit are likely lenders and their mouthpieces."
 > "Don’t rely on Equifax or anyone else for your security."

 

Get An Answer to My Situation Now

 

A GREAT LINK To LEARN MORE:

]]> Thu, 19 Oct 2017 09:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/should-you-really-freeze-your-credit-fbcead51 Let's Face the Equifax

Two-thirds of all Americans with credit reports had their information accessed during the Equifax 'data breach.' That is insane.

By now you've heard how the scandal is compromising millions of Americans' personal data. Richard Smith, CEO of Equifax, testified in front of Congress that Equifax "...didn't really understand the severity of the breach and did everything they could." 

Beyond this being unacceptable  for so many reasons, it brings up a conversation around protecting yourself in today's digital age.

 

**How Does This Data Breach Impact You & Your Future? **

 

It's time to freeze your credit.

It's not up to anyone but yourself to protect your most important information. 
 

YOu HAVE TO BE THE ONE TO TAKE RESPONSIBILITY FOR YOUR digital SAFETY.

You are the victim. I am the victim. We're the ones left worrying about identity theft even years from today.

 

**Freezing Your Credit Is Simple. **

I had a client come in recently worried that freezing his credit would affect his credit score and credit tracking. It won't.

Freezing your credit stops all new credit from being taken out unless you provide your unique PIN. Freezing it stops anyone who may have your information from creating new credit in your name.

The minor inconvenience of providing a PIN dramatically outweighs the risk of having your assets and identity compromised.

 

Click Here to Freeze Your Credit Today

 

Listen to The Full Show:

Hear Chris unpack this major scandal that puts you at risk. The Equifax data breach should open our eyes to a new frontier of risk exposure. Listen for what steps you can take to protect yourself.  (Listen in at 5:52).

  Girl-In-Jacket-Outside-Freezing.jpeg

Key Quotes:

"A year before the hack, an independent study by MSCI gave Equifax a score of ZERO for privacy and data security. If we couldn't see this coming, Equifax definitely should have."> "The people who advise against freezing your credit are likely lenders and their mouthpieces."
 > "Don’t rely on Equifax or anyone else for your security."

 

Get An Answer to My Situation Now

 

A GREAT LINK To LEARN MORE:

]]> Should You Really Freeze Your Credit? Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:14:49 The 2/3 of Americans who had their data compromised may not be fine. You are the victim. I am the victim. We're the ones left worrying about identity theft even years from today. The 2/3 of Americans who had their data compromised may not be fine. You are the victim. I am the victim. We're the ones left worrying about identity theft even years from today. no full 43 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:59e660b8ace8647b761406bc Every Angle of The Major Healthcare Changes What In the Health Is Going On?  

Republicans have been laboring for reforms to health care since President Trump was elected, and have repeatedly failed -- often in dramatic fashion.

President Trump made two huge announcements to change the way healthcare looks moving forward. The government announced they are:
 

1. Opening More Healthcare Options for Individuals and Businesses.

 

2. Ending Subsidy Payments to Health Insurers.

 

**How Does This Impact You? **

The foundation of the Affordable Care Act ("Obamacare") is rooted in everyone "paying in" to keep costs manageable. Suddenly, the exit sign is on for the "healthy" to shop cheaper options, which means the price for the sick, or those with pre-existing conditions, may skyrocket. 

If you are young or healthy MAKE SURE YOU LOOK AT ALL YOUR OPTIONS. Costs will be higher through a traditional exchange, but there are some creative, competitive options we discuss on the show (Listen in at 15:20).

If you have a significant pre-existing condition, you should make plans to find the best coverage fit that suits your needs and matches your budget. I would love to talk with you about how to be prepared for pricing that will likely come in 2019 and beyond.

If none of this applies to you because you receive your insurance through your employer, don't tune out just yet! Make sure you know whether a traditional policy or a high deductible health plan is better for you; I discuss the primary differences in the last segment of the podcast. 

Listen to The Full Show:

Get the full picture on what these changes mean to you, your family and your wallet for the upcoming years. More healthcare reform may come, and we will be here to help you make the best decision for your life.

  IndividualChoosingHealthcare.jpeg

Key Quotes:

"Why is it that health insurance companies always come out immediately against any changes to Obamacare? Health insurance companies stocks have shot through the roof! They have destroyed the S&P 500."> "Costs have to go up and it falls on the folks paying premiums in the exchanges."
 > "Even if a creative option will save you money, it might be better for you to choose a traditional plan if you aren't willing to handle a little extra work."

 

Get An Answer to My Situation Now

 

A GREAT LINK To LEARN MORE:

]]> Tue, 17 Oct 2017 21:40:11 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/every-angle-of-the-major-healthcare-157683e3 What In the Health Is Going On?  

Republicans have been laboring for reforms to health care since President Trump was elected, and have repeatedly failed -- often in dramatic fashion.

President Trump made two huge announcements to change the way healthcare looks moving forward. The government announced they are:
 

1. Opening More Healthcare Options for Individuals and Businesses.

 

2. Ending Subsidy Payments to Health Insurers.

 

**How Does This Impact You? **

The foundation of the Affordable Care Act ("Obamacare") is rooted in everyone "paying in" to keep costs manageable. Suddenly, the exit sign is on for the "healthy" to shop cheaper options, which means the price for the sick, or those with pre-existing conditions, may skyrocket. 

If you are young or healthy MAKE SURE YOU LOOK AT ALL YOUR OPTIONS. Costs will be higher through a traditional exchange, but there are some creative, competitive options we discuss on the show (Listen in at 15:20).

If you have a significant pre-existing condition, you should make plans to find the best coverage fit that suits your needs and matches your budget. I would love to talk with you about how to be prepared for pricing that will likely come in 2019 and beyond.

If none of this applies to you because you receive your insurance through your employer, don't tune out just yet! Make sure you know whether a traditional policy or a high deductible health plan is better for you; I discuss the primary differences in the last segment of the podcast. 

Listen to The Full Show:

Get the full picture on what these changes mean to you, your family and your wallet for the upcoming years. More healthcare reform may come, and we will be here to help you make the best decision for your life.

  IndividualChoosingHealthcare.jpeg

Key Quotes:

"Why is it that health insurance companies always come out immediately against any changes to Obamacare? Health insurance companies stocks have shot through the roof! They have destroyed the S&P 500."> "Costs have to go up and it falls on the folks paying premiums in the exchanges."
 > "Even if a creative option will save you money, it might be better for you to choose a traditional plan if you aren't willing to handle a little extra work."

 

Get An Answer to My Situation Now

 

A GREAT LINK To LEARN MORE:

]]> Every Angle of The Major Healthcare Changes Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:25:41 Get the full picture on what President Trump's healthcare reform will mean to you, your family and your wallet for the upcoming years. Get the full picture on what President Trump's healthcare reform will mean to you, your family and your wallet for the upcoming years. no full 42 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:599b531ebe65944aa420d87e Why "Peace" May Be The Most Dangerous Financial Foe of Today It's been ten years since the big recession. It may still hurt like it is a wound from yesterday, but a decade separates us from the last major market drop.

 

Now, we sit on top of the market again. Is it time to brace for a catastrophic global recession?

 

Well, the big drop isn't actually as concerning as another danger that you need to focus on: peace.

pexels-photo-101063.jpeg

 

There Is Incredible Danger In The Current Financial Peace You May Be Experiencing

 

The danger today is different than in 2008. We don't appear to be walking toward global recession (even though we didn't feel that way in 2007 either... stay with me.).

 

"The danger is that investors are complacent to an extraordinary degree - lulled into a false sense of security by the extraordinarily calm markets. There is no margin of error. And, if the investors turn out to be wrong, it will be a nasty shock."

_ - James Mackintosh_

 

Today's Financial Snapshot

 

  • Measures of volatility are at historic lows.
  • Inflation is historically low.
  • Economists are baffled by everything doing so well.
  • Profit margins are high.
  • Everything looks pretty good.

And that reality is troublesome... why? Namely, because it is subtle and offers a false sense of security and safety.

 

pexels-photo-159991.jpeg

Let's Say A "Normal" Market Correction Occurs

 

It is possible that a 20% drop today could be just as devastating as the major drop in 2008 if you've been lulled into complacency. 

 

Some of you, especially those nearing retirement, need to evaluate your level of risk. How will your portfolio handle a typical correction?

 

I believe the possible gain of staying aggressive in the market is overshadowed by the amount of risk in one market drop. this could change the next 20 years of your life.

 

If you are anywhere close to retirement the #1 risk is that you can be lulled into a false sense of security.

 

We know the market will drop. If you're 35 it's okay, and it actually creates opportunity. But if you are within 10 - 15 years of retirement and everything has worked well recently, you need to evaluate what will happen if and when a correction occurs. 

 

It's Time to Wake Up From The Lull of Peace!

 

If you want to ask a question about your specific situation and measure the risk in your portfolio, we can measure if you are at the correct level for your amount of retirement preparation.

 

There are concrete changes you can make to prepare for drops and stay on track for your retirement. It's how we walk customers from hopeful anxiety to peacefully confident.

 

Don't let the market acting NORMAL throw off your future. Fight back against peace. It's extremely dangerous to your future.

 

]]> Fri, 25 Aug 2017 15:39:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/why-peace-may-be-the-most-dangerous-7aa3da72 It's been ten years since the big recession. It may still hurt like it is a wound from yesterday, but a decade separates us from the last major market drop.

 

Now, we sit on top of the market again. Is it time to brace for a catastrophic global recession?

 

Well, the big drop isn't actually as concerning as another danger that you need to focus on: peace.

pexels-photo-101063.jpeg

 

There Is Incredible Danger In The Current Financial Peace You May Be Experiencing

 

The danger today is different than in 2008. We don't appear to be walking toward global recession (even though we didn't feel that way in 2007 either... stay with me.).

 

"The danger is that investors are complacent to an extraordinary degree - lulled into a false sense of security by the extraordinarily calm markets. There is no margin of error. And, if the investors turn out to be wrong, it will be a nasty shock."

_ - James Mackintosh_

 

Today's Financial Snapshot

 

  • Measures of volatility are at historic lows.
  • Inflation is historically low.
  • Economists are baffled by everything doing so well.
  • Profit margins are high.
  • Everything looks pretty good.

And that reality is troublesome... why? Namely, because it is subtle and offers a false sense of security and safety.

 

pexels-photo-159991.jpeg

Let's Say A "Normal" Market Correction Occurs

 

It is possible that a 20% drop today could be just as devastating as the major drop in 2008 if you've been lulled into complacency. 

 

Some of you, especially those nearing retirement, need to evaluate your level of risk. How will your portfolio handle a typical correction?

 

I believe the possible gain of staying aggressive in the market is overshadowed by the amount of risk in one market drop. this could change the next 20 years of your life.

 

If you are anywhere close to retirement the #1 risk is that you can be lulled into a false sense of security.

 

We know the market will drop. If you're 35 it's okay, and it actually creates opportunity. But if you are within 10 - 15 years of retirement and everything has worked well recently, you need to evaluate what will happen if and when a correction occurs. 

 

It's Time to Wake Up From The Lull of Peace!

 

If you want to ask a question about your specific situation and measure the risk in your portfolio, we can measure if you are at the correct level for your amount of retirement preparation.

 

There are concrete changes you can make to prepare for drops and stay on track for your retirement. It's how we walk customers from hopeful anxiety to peacefully confident.

 

Don't let the market acting NORMAL throw off your future. Fight back against peace. It's extremely dangerous to your future.

 

]]> Why "Peace" May Be The Most Dangerous Financial Foe of Today Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:12:38 Well, the big drop isn't actually as concerning as another danger that you can lull you into a false sense of comfort. There is true financial peace and then there is complecancy. Well, the big drop isn't actually as concerning as another danger that you can lull you into a false sense of comfort. There is true financial peace and then there is complecancy. no full 41 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:599af6676b8f5bbfecb8875c Certain Bank "Specials" Can Damage Your Retirement Dreams  

Banks are beginning to feel like used car dealerships.

If your bank is caught offering a "special," take caution before you trust the promotion to move you closer to retirement. A.K.A. RUN.

Trust me, I know and love bankers. But the reality is banks are not looking out for your best interest the way a financial planner is legally obligated to -- and therein lies the problem we're going to reveal in today's show.

(Plus, hear me share how I would avoid people seeing how UGLY my first car was.)

pexels-photo-327236.jpeg

The banks up-sold her a product and her money was essentially doing nothing. 

 

A few weeks ago I met with a woman, Jamie, who became the latest victim of trusting the banks.

She was sold a product, at a promotional rate and in her excitement, she moved her extra available fund to a money market account. Jamie then proceeded to "save" and aggressively put money away for her future -- and her hard earned money was doing nothing for her. 

Her hard earned money was doing nothing for her.

 

Banks Are Built With Different DNA Than Financial Advisors

 

 

Bankers are encouraged to open new accounts and move products.

Bankers are not fiduciaries; They are working with the bank's best interest in mind.

 

Don't Be Another Jamie

 

Jamie and I met for coffee at a local spot that opened up recently in Peachtree Corners called the Black Walnut! So good. It was that morning she realized her mistake -- and it made me so mad when I learned about this.

**Jamie, like so many, trusted a banker to advise her on how to invest for the future, and a perfect "product" happened to be available at a "SPECIAL RATE." **

 

Related Post: Your Financial Advisor Is Really A Salesman & You Need to Run

 

It was a three-month promotional rate money market account! Then it dropped to point God knows what. 

 

Who reads the fine print anymore? She was consistently making contributions and assumed it was growing on its own, but in reality, it was not in the market for the past two years that has been growing at a record breaking pace.

 

Jamie's money sat on the sidelines while the market exploded with incredible growth. She could afford to be in the market, but instead, she was sold a product.

 

pexels-photo-407237.jpeg

Related Post: Do You Know If Your Advisor Has Your Best Interest In Mind?

 

A financial planner thinks about your long-term stability. Legally, because of the fiduciary rule, a financial planner is obliged to act in your best interest, educate you and give you the best advice for your benefit.

 

Find a financial planner you can trust.

question any advice given to you by anyone, not just bankers, that isn't a fiduciary.

 

Free advice on your finances is a click away. Ask a question and I'll respond directly. 

 

Remember: Please don't take anything a bank advises at face value without seeking a second opinion. Your dreams matter and a strong plan will keep you on track.

  Get An Answer To Your QuestionMessage Chris + Schedule a Consultation 

]]> Tue, 22 Aug 2017 18:04:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/certain-bank-specials-can-damage-your-8f626357  

Banks are beginning to feel like used car dealerships.

If your bank is caught offering a "special," take caution before you trust the promotion to move you closer to retirement. A.K.A. RUN.

Trust me, I know and love bankers. But the reality is banks are not looking out for your best interest the way a financial planner is legally obligated to -- and therein lies the problem we're going to reveal in today's show.

(Plus, hear me share how I would avoid people seeing how UGLY my first car was.)

pexels-photo-327236.jpeg

The banks up-sold her a product and her money was essentially doing nothing. 

 

A few weeks ago I met with a woman, Jamie, who became the latest victim of trusting the banks.

She was sold a product, at a promotional rate and in her excitement, she moved her extra available fund to a money market account. Jamie then proceeded to "save" and aggressively put money away for her future -- and her hard earned money was doing nothing for her. 

Her hard earned money was doing nothing for her.

 

Banks Are Built With Different DNA Than Financial Advisors

 

 

Bankers are encouraged to open new accounts and move products.

Bankers are not fiduciaries; They are working with the bank's best interest in mind.

 

Don't Be Another Jamie

 

Jamie and I met for coffee at a local spot that opened up recently in Peachtree Corners called the Black Walnut! So good. It was that morning she realized her mistake -- and it made me so mad when I learned about this.

**Jamie, like so many, trusted a banker to advise her on how to invest for the future, and a perfect "product" happened to be available at a "SPECIAL RATE." **

 

Related Post: Your Financial Advisor Is Really A Salesman & You Need to Run

 

It was a three-month promotional rate money market account! Then it dropped to point God knows what. 

 

Who reads the fine print anymore? She was consistently making contributions and assumed it was growing on its own, but in reality, it was not in the market for the past two years that has been growing at a record breaking pace.

 

Jamie's money sat on the sidelines while the market exploded with incredible growth. She could afford to be in the market, but instead, she was sold a product.

 

pexels-photo-407237.jpeg

Related Post: Do You Know If Your Advisor Has Your Best Interest In Mind?

 

A financial planner thinks about your long-term stability. Legally, because of the fiduciary rule, a financial planner is obliged to act in your best interest, educate you and give you the best advice for your benefit.

 

Find a financial planner you can trust.

question any advice given to you by anyone, not just bankers, that isn't a fiduciary.

 

Free advice on your finances is a click away. Ask a question and I'll respond directly. 

 

Remember: Please don't take anything a bank advises at face value without seeking a second opinion. Your dreams matter and a strong plan will keep you on track.

  Get An Answer To Your QuestionMessage Chris + Schedule a Consultation 

]]> Certain Bank "Specials" Can Damage Your Retirement Dreams Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:10:53 If your bank is caught offering a "special," take caution before trusting the promotion to move you closer to retirement. A.K.A. RUN. If your bank is caught offering a "special," take caution before trusting the promotion to move you closer to retirement. A.K.A. RUN. no full 40 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:599a46a86a4963d775e3ffee The Financial Impact of This Crisis + How to Prepare Without reason, we have all witnessed harrowing acts happening around the world and in our country over the past weeks. It has been tragic.

We've been forced to deal with dark realities of pain and loss. While we hate to see others deeply affected and think of our comfort, dreams, and plans for the future, I can tell you how many people reached out to me with questions.
 

I have repeatedly been asked about the impact of the terrorist attacks on your financial future. I talk about it + practical action on this week's show. Listen in:

pexels-photo-89521.jpeg

The Two Biggest Takeaways From the Past Weeks (Focused on Your Personal Financial Future.)

 

  1. I don't think anything we've seen in the previous two weeks will be majorly devastating for the future of the markets. Yes, everything has been down of late, but it is okay to have volatility when there is a crisis in the world. 

The clicks on these negative headlines are surging as they project a fearful future. There has been a drop, but it isn't unexpected and won't derail the great market growth we are experiencing.

 

  1. It's time to ask the hard questions. When is the last time you thought about the impact of a crisis on your finances? We are shocked at the events as they unfold - rightly so. But are any of us surprised by a crisis occurring? We shouldn't be.

 

Yes, of course, we don't want a crisis to happen, but we have to prepare for it!

 

When you assume crisis is going to happen, a level of peace follows that directly impacts your quality of life today.

It is almost counter-intuitive that peace comes by walking through a plan for a crisis, but I see it consistently with my clients.

Plus, when you plan for a crisis, you no longer have to see your dreams impacted.

When you assume crisis is going to happen, a level of peace follows that directly impacts your quality of life today.

pexels-photo-103127.jpeg

Now, let's step back and think about how to prepare for the next one.

 

What does it look like to prepare for a crisis?

(And note: This isn't only talking national and global crisis. What if a family member passed away? What if an expensive sickness arises? Personal crisis and domestic crisis can both demand proper planning.)

 

My advice is simple:

 

1. Talk about it. Despite the difficulties and discomfort to plan for a family member's death or a national crisis, it is essential.

Without focusing on the financial impact, begin a conversation with your spouse about why you have a hard time discussing some component of loss, and what could come in the future.

Then once you've been able to listen to each other's concerns, the conversation can move toward financial planning.

 

2. Get professional financial advice to fit your circumstances as Larry and Jennifer did. (Listen at 7:25 to hear their story.)

Giving broad information isn't easy. Even if you read strong advice or hear something that resonates as a "good plan." Remember, every individual is different. You need financial advice tailored to your circumstances, your goals and your unique situation.

As much as I would love to give you the perfect formula, if I did, there would be no way to guarantee it was right for you. The More Than Money team will be happy to hear your story and set up a convenient time to connect.

 

3. Live in a place of peace during a crisis.

Once you have a plan in place, you will experience peace not only during a crisis but also during the calm, normal daily routines.

Life is meant to be enjoyed and a constant distraction of money will pull you away from other things that matter. A healthy plan provides peace.

  Ask Any QuestionSchedule Time to Talk With Chris 

]]> Mon, 21 Aug 2017 13:37:35 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/the-financial-impact-of-this-crisis-how-c9298359 Without reason, we have all witnessed harrowing acts happening around the world and in our country over the past weeks. It has been tragic.

We've been forced to deal with dark realities of pain and loss. While we hate to see others deeply affected and think of our comfort, dreams, and plans for the future, I can tell you how many people reached out to me with questions.
 

I have repeatedly been asked about the impact of the terrorist attacks on your financial future. I talk about it + practical action on this week's show. Listen in:

pexels-photo-89521.jpeg

The Two Biggest Takeaways From the Past Weeks (Focused on Your Personal Financial Future.)

 

  1. I don't think anything we've seen in the previous two weeks will be majorly devastating for the future of the markets. Yes, everything has been down of late, but it is okay to have volatility when there is a crisis in the world. 

The clicks on these negative headlines are surging as they project a fearful future. There has been a drop, but it isn't unexpected and won't derail the great market growth we are experiencing.

 

  1. It's time to ask the hard questions. When is the last time you thought about the impact of a crisis on your finances? We are shocked at the events as they unfold - rightly so. But are any of us surprised by a crisis occurring? We shouldn't be.

 

Yes, of course, we don't want a crisis to happen, but we have to prepare for it!

 

When you assume crisis is going to happen, a level of peace follows that directly impacts your quality of life today.

It is almost counter-intuitive that peace comes by walking through a plan for a crisis, but I see it consistently with my clients.

Plus, when you plan for a crisis, you no longer have to see your dreams impacted.

When you assume crisis is going to happen, a level of peace follows that directly impacts your quality of life today.

pexels-photo-103127.jpeg

Now, let's step back and think about how to prepare for the next one.

 

What does it look like to prepare for a crisis?

(And note: This isn't only talking national and global crisis. What if a family member passed away? What if an expensive sickness arises? Personal crisis and domestic crisis can both demand proper planning.)

 

My advice is simple:

 

1. Talk about it. Despite the difficulties and discomfort to plan for a family member's death or a national crisis, it is essential.

Without focusing on the financial impact, begin a conversation with your spouse about why you have a hard time discussing some component of loss, and what could come in the future.

Then once you've been able to listen to each other's concerns, the conversation can move toward financial planning.

 

2. Get professional financial advice to fit your circumstances as Larry and Jennifer did. (Listen at 7:25 to hear their story.)

Giving broad information isn't easy. Even if you read strong advice or hear something that resonates as a "good plan." Remember, every individual is different. You need financial advice tailored to your circumstances, your goals and your unique situation.

As much as I would love to give you the perfect formula, if I did, there would be no way to guarantee it was right for you. The More Than Money team will be happy to hear your story and set up a convenient time to connect.

 

3. Live in a place of peace during a crisis.

Once you have a plan in place, you will experience peace not only during a crisis but also during the calm, normal daily routines.

Life is meant to be enjoyed and a constant distraction of money will pull you away from other things that matter. A healthy plan provides peace.

  Ask Any QuestionSchedule Time to Talk With Chris 

]]> The Financial Impact of This Crisis + How to Prepare Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:15:46 I have been asked repeatedly about the impact of the terrorist attacks on your personal financial future. I talk about it directly + practical action on this week's show. Listen in! I have been asked repeatedly about the impact of the terrorist attacks on your personal financial future. I talk about it directly + practical action on this week's show. Listen in! no full 39 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:5980e5e9a803bbe26c76b219 How Much Is Enough for Retirement? (Mini-Episode) Paul was in a conversation with a friend who told him to save 15% more than he expects he'll need for retirement. He sent us a question asking if his friend was right.

The core of the question is this:

How do you know if you'll have enough money for retirement?

 

The problem is there is no easy way to know your "number" because it's tied to your life and what you dream for the future.

  • How much do you save?
     
  • How much do you spend?
     
  • Do you want your money to sit in the market or a pension?
     
  • What is your bent towards investing?
     
  • What is the life you dream for in retirement?

 

Do you have a plan built specifically for you and your future?

 

It's easy to show you what it looks like using some simple tools. Here are some of my favorite blogs for you to read more, or you can reach out to our team and we can discuss your specific plan.

]]> Fri, 11 Aug 2017 09:30:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/how-much-is-enough-for-retirement-mini-78235e84 Paul was in a conversation with a friend who told him to save 15% more than he expects he'll need for retirement. He sent us a question asking if his friend was right.

The core of the question is this:

How do you know if you'll have enough money for retirement?

 

The problem is there is no easy way to know your "number" because it's tied to your life and what you dream for the future.

  • How much do you save?
     
  • How much do you spend?
     
  • Do you want your money to sit in the market or a pension?
     
  • What is your bent towards investing?
     
  • What is the life you dream for in retirement?

 

Do you have a plan built specifically for you and your future?

 

It's easy to show you what it looks like using some simple tools. Here are some of my favorite blogs for you to read more, or you can reach out to our team and we can discuss your specific plan.

]]> How Much Is Enough for Retirement? (Mini-Episode) Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:04:09 How do you know if you'll have enough money for retirement? This was a question core to a majority of our listeners and something I'm sure you've thought about, but what was your answer? How do you know if you're right? How do you know if you'll have enough money for retirement? This was a question core to a majority of our listeners and something I'm sure you've thought about, but what was your answer? How do you know if you're right? no full 38 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:5980e71b914e6ba18427ee97 Retirement Strategy for Entrepreneurs + Hiring An Employee (Mini-Episode) We work with a lot of entrepreneurs and here is the deal:

If you are an entrepreneur you might be wasting money right now.

 

I'm amazed when I meet with entrepreneurs and see how much money is consistently being given away. A lot of entrepreneurs are missing out on their taxes they don't even know about. But, I'm distracted before I even get started.

 

As an entrepreneur, hiring an employee changes a lot in regards to taxes and retirement planning.

 

BEFORE:

Without an employee, entrepreneurs can open a solo 401k and can make a full $18,000 contribution and the company can contribute an additional $34,000 (totallying $52,000 to put away towards retirement - BIG ADVANTAGE if you can afford that lifestyle.)

 

AFTER:

When you hire someone you can no longer use a solo 401k and you have to transition to a traditional 401k. (NOTE: if the employee is full-time.)

 

In short, if you are an entrepreneur and are thinking about hiring a full time employee, note that there may be dramatic changes to your retirement strategy. However, don't scrap your business model just yet!  You can still win  by having a plan that accounts for the change in structure, while maximizing the benefits of being and entrepreneur. 

Be sure you're taking advantage of all the tax savings you can as an entrepreneur experiencing growth!

]]> Thu, 10 Aug 2017 09:30:00 +0000 alanmcnaron@gmail.com (More Than Money) https://morethanmoney.simplecast.com/episodes/retirement-strategy-for-entrepreneurs-0926ffd1 We work with a lot of entrepreneurs and here is the deal:

If you are an entrepreneur you might be wasting money right now.

 

I'm amazed when I meet with entrepreneurs and see how much money is consistently being given away. A lot of entrepreneurs are missing out on their taxes they don't even know about. But, I'm distracted before I even get started.

 

As an entrepreneur, hiring an employee changes a lot in regards to taxes and retirement planning.

 

BEFORE:

Without an employee, entrepreneurs can open a solo 401k and can make a full $18,000 contribution and the company can contribute an additional $34,000 (totallying $52,000 to put away towards retirement - BIG ADVANTAGE if you can afford that lifestyle.)

 

AFTER:

When you hire someone you can no longer use a solo 401k and you have to transition to a traditional 401k. (NOTE: if the employee is full-time.)

 

In short, if you are an entrepreneur and are thinking about hiring a full time employee, note that there may be dramatic changes to your retirement strategy. However, don't scrap your business model just yet!  You can still win  by having a plan that accounts for the change in structure, while maximizing the benefits of being and entrepreneur. 

Be sure you're taking advantage of all the tax savings you can as an entrepreneur experiencing growth!

]]> Retirement Strategy for Entrepreneurs + Hiring An Employee (Mini-Episode) More Than Money 00:03:43 I'm amazed when I meet with entrepreneurs and see how much money is consistently being given away. A lot of entrepreneurs are missing out on their taxes they don't even know about. Hiring an employee as an entrepreneur changes a lot in regards to taxes and retirement planning. I'm amazed when I meet with entrepreneurs and see how much money is consistently being given away. A lot of entrepreneurs are missing out on their taxes they don't even know about. Hiring an employee as an entrepreneur changes a lot in regards to taxes and retirement planning. no full 37 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:5980ea24e58c626887dcfb74 Is the Age of Retirement Changing? (Mini-Episode) Yes, a lot of people are looking to work at least until 65, but many are planning for 70. This common thought is based a lot on the crash and thinking how they can meaningfully reach what they need.

 

A lot of people assume they have to keep going forever.  Despite the common belief, **** that isn't true unless you've run some actual tests!

 

The only way to know what your exact retirement will look like is to plug your information into some of our predictive tools  to create a full picture of your plan in its reality.

 

We walk through a process that uses a software using historical norms over the past 70 years and allows us to change variables and factors in real-time.

 - How does retiring at 65 or 67 appear?

 - What will working part time look like in retirement?

 - How will inflation impact your plan?

Now, time for a little true or false. I recently had a client that was strongly considering working an additional three years before retirement. 

So, True or false, does extending your career by a few years strongly benefit your retirement?

Answer: it depends entirely  on your situation. 

For this specific client, it turned out that working an extra three years made no impact on his savings before retirement. That was incredible for him to consider. Why work until you are 67 if you can retire comfortably at 64? The only way of knowing how your retirement will play out is to make an honest assessment, using tools that give you **flexibility and options. **

]]> Tue, 8 Aug 2017 09:30:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/is-the-age-of-retirement-changing-mini-54dc994d Yes, a lot of people are looking to work at least until 65, but many are planning for 70. This common thought is based a lot on the crash and thinking how they can meaningfully reach what they need.

 

A lot of people assume they have to keep going forever.  Despite the common belief, **** that isn't true unless you've run some actual tests!

 

The only way to know what your exact retirement will look like is to plug your information into some of our predictive tools  to create a full picture of your plan in its reality.

 

We walk through a process that uses a software using historical norms over the past 70 years and allows us to change variables and factors in real-time.

 - How does retiring at 65 or 67 appear?

 - What will working part time look like in retirement?

 - How will inflation impact your plan?

Now, time for a little true or false. I recently had a client that was strongly considering working an additional three years before retirement. 

So, True or false, does extending your career by a few years strongly benefit your retirement?

Answer: it depends entirely  on your situation. 

For this specific client, it turned out that working an extra three years made no impact on his savings before retirement. That was incredible for him to consider. Why work until you are 67 if you can retire comfortably at 64? The only way of knowing how your retirement will play out is to make an honest assessment, using tools that give you **flexibility and options. **

]]> Is the Age of Retirement Changing? (Mini-Episode) Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:04:05 A lot of people assume they have to keep going forever. And that isn't true unless you've run some actual tests! A lot of people assume they have to keep going forever. And that isn't true unless you've run some actual tests! no full 36 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:5980e406d7bdcefd9816239f The Right Way to Plan for End of Life (Mini-Episode) Most people don't talk about end-of-life planning enough, and it shouldn't be treated as a taboo topic. The first step is to have the conversation.

 

When you pass away, you can leave behind an inheritance or family conflict.

 

The realities around end-of-life aren't easy, but communication is key. Listen in to hear where you should focus and plan.

 

1. End of Life is Expensive (Listen in at 3:14)

It's important to know the current situation, but understand that the last years of life are often the most expensive. Healthcare cost can become astronomical and creating financial flexibility is important.

 

2. Be Careful About How You Receive An Inheritance (Listen in at 3:52)

It can be the best or worst tax treatment for you. 

If you receive funds from a retirement plan, that money will owe full income tax on it! If you take it as a lump sum you will pay taxes on it as though it were income.

 

 

The key is to communicate with your family prior  to needing end-of-life care. Think of what you want to leave to the ones you love most. Lastly, talk with a financial planner you trust before giving or receiving any funds.

 

It's better to give your family a good starting point for healthy conversations than leave them an inheritance of assets entangled with stress. 

]]> Tue, 8 Aug 2017 00:07:56 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/the-right-way-to-plan-for-end-of-life-4a868c4f Most people don't talk about end-of-life planning enough, and it shouldn't be treated as a taboo topic. The first step is to have the conversation.

 

When you pass away, you can leave behind an inheritance or family conflict.

 

The realities around end-of-life aren't easy, but communication is key. Listen in to hear where you should focus and plan.

 

1. End of Life is Expensive (Listen in at 3:14)

It's important to know the current situation, but understand that the last years of life are often the most expensive. Healthcare cost can become astronomical and creating financial flexibility is important.

 

2. Be Careful About How You Receive An Inheritance (Listen in at 3:52)

It can be the best or worst tax treatment for you. 

If you receive funds from a retirement plan, that money will owe full income tax on it! If you take it as a lump sum you will pay taxes on it as though it were income.

 

 

The key is to communicate with your family prior  to needing end-of-life care. Think of what you want to leave to the ones you love most. Lastly, talk with a financial planner you trust before giving or receiving any funds.

 

It's better to give your family a good starting point for healthy conversations than leave them an inheritance of assets entangled with stress. 

]]> The Right Way to Plan for End of Life (Mini-Episode) Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:07:49 When you pass away you can leave behind an inheritance or family conflict. The realities around end-of-life aren't easy, but communication is key. Listen in to hear where you should focus and plan. When you pass away you can leave behind an inheritance or family conflict. The realities around end-of-life aren't easy, but communication is key. Listen in to hear where you should focus and plan. no full 35 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:5980d97c8419c21a0b5aa9bf Are You In A Retirement Savings Crisis? Here's the state of retirement planning today:

 

  • The baby boomers are preparing for retirement.
  • Social security is in trouble. (We basically become insolvent in 2034)
  • The median household has a little more than $100k saved.

 

The combination of these things isn't exactly a winning formula. Are we going to be okay and, either way, how can you know what to expect in retirement? Listen in as we explore the deeper reality here.

rose-gold-girl-time-watch-81009.jpeg

 

There Been A Historic Shift in Retirement Strategy

 

We've literally never seen a generation retire on the 401k and it's about to happen.

 

My grandfather and maybe yours too received a pension and social security. Every single month they receive a paycheck in retirement - guaranteed income. Any savings they had outside of their core income strategy was for additional expenses like traveling.

 

But, that isn't true today.

 

So... why did the retirement shift happen? Perspective is important.

 

Companies in the late 70's and early 80's were making long term pensions and they realized they could feasibly continue to give out guaranteed income. Especially as life expectancy continued to increase.

 

At the same time, the IRS came out with code 401k as a way for the wealthy to put aside extra money for the future. It was never intended to be a tool for saving for retirement. 

 

The 401k was never intended to be a tool for retirement.

pexels-photo-440590.jpeg

Within a few months, 401k's took over as companies saw a way to get out of guaranteed pension rates. And it was a perfect storm.
 

Instead of guaranteeing you funds, we will match what you put into a 401k and you will have a stack of cash for the future. And the market took off! Everyone wanted to have their money in the market instead of a pension fund. It was celebrated until the market crashed.

 

Now, A Generation Prepares to Retire as the First Group to Rely on a 401k. 

 

No group before this generation has ever needed to trust the market for their success.

 

Here's my challenge: if you are willing to diversify your income streams, you can create a ton of flexibility to succeed in the future.

Listen in to the audio above at 9:25 to hear how this strategy works to make sure anyone about to retire can create multiple revenue streams and be well positioned for retirement.

 

Yes, there is a retirement crisis. But there is a number of options that allow you to take control of your future by building a customized plan.

 

If you want to set up a time for a free consultation to talk about your specific situation and create the reality you want just click below, and we can craft a strategy that works.

 

I want to feel confident about my retirementAsk Any Question Now 

]]> Sat, 5 Aug 2017 13:45:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/are-you-in-a-retirement-savings-crisis-c036b0ff Here's the state of retirement planning today:

 

  • The baby boomers are preparing for retirement.
  • Social security is in trouble. (We basically become insolvent in 2034)
  • The median household has a little more than $100k saved.

 

The combination of these things isn't exactly a winning formula. Are we going to be okay and, either way, how can you know what to expect in retirement? Listen in as we explore the deeper reality here.

rose-gold-girl-time-watch-81009.jpeg

 

There Been A Historic Shift in Retirement Strategy

 

We've literally never seen a generation retire on the 401k and it's about to happen.

 

My grandfather and maybe yours too received a pension and social security. Every single month they receive a paycheck in retirement - guaranteed income. Any savings they had outside of their core income strategy was for additional expenses like traveling.

 

But, that isn't true today.

 

So... why did the retirement shift happen? Perspective is important.

 

Companies in the late 70's and early 80's were making long term pensions and they realized they could feasibly continue to give out guaranteed income. Especially as life expectancy continued to increase.

 

At the same time, the IRS came out with code 401k as a way for the wealthy to put aside extra money for the future. It was never intended to be a tool for saving for retirement. 

 

The 401k was never intended to be a tool for retirement.

pexels-photo-440590.jpeg

Within a few months, 401k's took over as companies saw a way to get out of guaranteed pension rates. And it was a perfect storm.
 

Instead of guaranteeing you funds, we will match what you put into a 401k and you will have a stack of cash for the future. And the market took off! Everyone wanted to have their money in the market instead of a pension fund. It was celebrated until the market crashed.

 

Now, A Generation Prepares to Retire as the First Group to Rely on a 401k. 

 

No group before this generation has ever needed to trust the market for their success.

 

Here's my challenge: if you are willing to diversify your income streams, you can create a ton of flexibility to succeed in the future.

Listen in to the audio above at 9:25 to hear how this strategy works to make sure anyone about to retire can create multiple revenue streams and be well positioned for retirement.

 

Yes, there is a retirement crisis. But there is a number of options that allow you to take control of your future by building a customized plan.

 

If you want to set up a time for a free consultation to talk about your specific situation and create the reality you want just click below, and we can craft a strategy that works.

 

I want to feel confident about my retirementAsk Any Question Now 

]]> Are You In A Retirement Savings Crisis? Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:18:00 Are we going to be okay? It's not black and white, and you need to know what to expect. Listen in as we explore the deeper reality here. Are we going to be okay? It's not black and white, and you need to know what to expect. Listen in as we explore the deeper reality here. no full 34 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:5980d670b8a79b3cf086f438 Counter-Intuitive Financial Wisdom That Works The current headlines are full of drama, and it's easy to forget that we're doing pretty well in three major areas to gauge growth.

1. The market is up BIG. We are sitting on the seconds largest bull market in history.

2. Housing values are up! It's the third fastest growth in home values in recorded history.

3. Unemployment is at a historically low level.

 

How do you make the most of this state of financial prosperity? The answer for long-term success is actually counter-intuitive to what most people think and what nearly all of us do. Listen in:

 

It May Feel Backwards And It's Not Easy

 

When we experience something for any length of time, we can be tempted to treat it as a new normal.

You can't assume the current market pace and financial reality can continue.

I was talking to someone who was given projections for the next ten years based on the past five years. You can't believe that we can maintain this trend. Actually, you need to believe and act as if it will not last.

 

 

If things are going well right now, you need to focus on when they will be going poorly.

 

Are you using this time of security to set aside money for when things are not going great?

 

On the flip side, when things are going badly and you want to curl up in a ball, is really the time to buy and invest -- investment options are at a discount.

 

 

Are you enjoying the current state of the market, or are you aggressively focused on a strong foundation and the worst of circumstance?

 

If you are sitting right now without a strong foundation you are putting yourself in a vulnerable spot. 

 

Is it possible for your specific situation? Yes.

 

If you don't know how to prepare for the worst and establish a good financial foundation, I can help. You can have confidence in your financial future.

 

Create A Strong Foundation StrategyAsk a Question 

]]> Fri, 4 Aug 2017 02:32:57 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/counter-intuitive-financial-wisdom-that-fa738599 The current headlines are full of drama, and it's easy to forget that we're doing pretty well in three major areas to gauge growth.

1. The market is up BIG. We are sitting on the seconds largest bull market in history.

2. Housing values are up! It's the third fastest growth in home values in recorded history.

3. Unemployment is at a historically low level.

 

How do you make the most of this state of financial prosperity? The answer for long-term success is actually counter-intuitive to what most people think and what nearly all of us do. Listen in:

 

It May Feel Backwards And It's Not Easy

 

When we experience something for any length of time, we can be tempted to treat it as a new normal.

You can't assume the current market pace and financial reality can continue.

I was talking to someone who was given projections for the next ten years based on the past five years. You can't believe that we can maintain this trend. Actually, you need to believe and act as if it will not last.

 

 

If things are going well right now, you need to focus on when they will be going poorly.

 

Are you using this time of security to set aside money for when things are not going great?

 

On the flip side, when things are going badly and you want to curl up in a ball, is really the time to buy and invest -- investment options are at a discount.

 

 

Are you enjoying the current state of the market, or are you aggressively focused on a strong foundation and the worst of circumstance?

 

If you are sitting right now without a strong foundation you are putting yourself in a vulnerable spot. 

 

Is it possible for your specific situation? Yes.

 

If you don't know how to prepare for the worst and establish a good financial foundation, I can help. You can have confidence in your financial future.

 

Create A Strong Foundation StrategyAsk a Question 

]]> Counter-Intuitive Financial Wisdom That Works Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:10:08 How do you make the most of this state of financial prosperity? The answer for long-term success is actually counter-intuitive to what most people think and what nearly all of us do. How do you make the most of this state of financial prosperity? The answer for long-term success is actually counter-intuitive to what most people think and what nearly all of us do. no full 33 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:597f379bbe6594cef6b4e2b5 So... The Healthcare Fight is Far From Over Is the healthcare conversation over?

Trump's tweet hours after the vote of the "Skinny Repeal" would say it is not...

3 Republicans and 48 Democrats let the American people down. As I said from the beginning, let ObamaCare implode, then deal. Watch!

— Donald J. Trump (@realDonaldTrump) July 28, 2017

Trump believes that if we let the system fail, change will emerge. But, what role could Trump and the executive branch play in helping it fall apart?

  •  Could Trump find a way not to force the individual mandate? And remove the consequence?
  •  What if the government slows down or stops making significant payments to insurance companies?

 

Listen to how this all impacts you and what options you have to find a good healthcare plan for your family.

 

pexels-photo-167300.jpeg

If you have the option to create flexibility now is the time to do it.

 

Insurance companies feel insecure and they're starting to pull back from health care exchanges. There is so much uncertainty. Not knowing what is coming next I highly recommend two options for you and your family:

 

1. Flex Spending Account

You can put money away for healthcare that is tax-free and you have to use it within the year. 

 

2. Health Savings Account

If you have a high deductible health plan and qualify, you put tax deductible money in for healthcare and it rolls over year over year.

It will keep building and you can invest it while you wait.

This is a great tax advantage and gives you money that keeps growing over time.

 

The instability is not over. You must prepare flexibility in your plan.

dad-holding-daughter.jpeg

 

A Third Option: Medi-Share Was A Good Solution for My Family

 

Last week I shared about Medi-Share and why it was the best fit for my family.
 

After I shared the Medi-Share recommendation I had a client email me a story he saw on WSB. This is a big deal.

 

Here's what happened: A woman goes into the hospital with cancer. She shows her Medi-Share card. And the hospital tells her she is covered.

 

Now listen to her quote:

"I'm sitting there with a needle in my arm receiving chemo therapy, and they're telling us we are not going to be able to leave the hospital until we pay them $41,000 dollars."

 

Get this.

The hospital calls her in her patient room and tells her the opposite of what the said early. How out of touch with reality are these healthcare professionals?!?

 

Here's The Bigger Thing - What Does This Mean For Co-Ops

night-roof-blue-sky-81863.jpeg

 

The hospital claimed Medi-Share was underpaying the hospital. But after research that was proved untrue. Medi-Share actually wired the funds that day to handle the situation. Can you imagine anyone else doing that?
 

There are a number of co-ops you can consider. And I think it's a great option to consider as a consumer. But, do your research. 
 

  • Find a co-op that is still considered health care through Obamacare.
  • Understand that it will take more work as you may have to submit claims yourself.
     

The narrative around co-ops is likely going to gain momentum and you need to explore what makes sense for you and your family.

 

If you have questions about your healthcare, your plan for flexibility, or general financial wisdom, I would love to sit down with you and talk about your specific situation. So much is changing and it can feel overwhelming.
 

Our team can help you live with less anxiety and stay on track to reach your goals for your life.

 

Ask Chris A QuestionSchedule A Time To Talk 

]]> Mon, 31 Jul 2017 15:05:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/so-the-healthcare-fight-is-far-from-over-7915a6a7 Is the healthcare conversation over?

Trump's tweet hours after the vote of the "Skinny Repeal" would say it is not...

3 Republicans and 48 Democrats let the American people down. As I said from the beginning, let ObamaCare implode, then deal. Watch!

— Donald J. Trump (@realDonaldTrump) July 28, 2017

Trump believes that if we let the system fail, change will emerge. But, what role could Trump and the executive branch play in helping it fall apart?

  •  Could Trump find a way not to force the individual mandate? And remove the consequence?
  •  What if the government slows down or stops making significant payments to insurance companies?

 

Listen to how this all impacts you and what options you have to find a good healthcare plan for your family.

 

pexels-photo-167300.jpeg

If you have the option to create flexibility now is the time to do it.

 

Insurance companies feel insecure and they're starting to pull back from health care exchanges. There is so much uncertainty. Not knowing what is coming next I highly recommend two options for you and your family:

 

1. Flex Spending Account

You can put money away for healthcare that is tax-free and you have to use it within the year. 

 

2. Health Savings Account

If you have a high deductible health plan and qualify, you put tax deductible money in for healthcare and it rolls over year over year.

It will keep building and you can invest it while you wait.

This is a great tax advantage and gives you money that keeps growing over time.

 

The instability is not over. You must prepare flexibility in your plan.

dad-holding-daughter.jpeg

 

A Third Option: Medi-Share Was A Good Solution for My Family

 

Last week I shared about Medi-Share and why it was the best fit for my family.
 

After I shared the Medi-Share recommendation I had a client email me a story he saw on WSB. This is a big deal.

 

Here's what happened: A woman goes into the hospital with cancer. She shows her Medi-Share card. And the hospital tells her she is covered.

 

Now listen to her quote:

"I'm sitting there with a needle in my arm receiving chemo therapy, and they're telling us we are not going to be able to leave the hospital until we pay them $41,000 dollars."

 

Get this.

The hospital calls her in her patient room and tells her the opposite of what the said early. How out of touch with reality are these healthcare professionals?!?

 

Here's The Bigger Thing - What Does This Mean For Co-Ops

night-roof-blue-sky-81863.jpeg

 

The hospital claimed Medi-Share was underpaying the hospital. But after research that was proved untrue. Medi-Share actually wired the funds that day to handle the situation. Can you imagine anyone else doing that?
 

There are a number of co-ops you can consider. And I think it's a great option to consider as a consumer. But, do your research. 
 

  • Find a co-op that is still considered health care through Obamacare.
  • Understand that it will take more work as you may have to submit claims yourself.
     

The narrative around co-ops is likely going to gain momentum and you need to explore what makes sense for you and your family.

 

If you have questions about your healthcare, your plan for flexibility, or general financial wisdom, I would love to sit down with you and talk about your specific situation. So much is changing and it can feel overwhelming.
 

Our team can help you live with less anxiety and stay on track to reach your goals for your life.

 

Ask Chris A QuestionSchedule A Time To Talk 

]]> So... The Healthcare Fight is Far From Over Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:22:33 Trump's tweet hours after the vote of the "Skinny Repeal" would say it is not. How does this all impact you and what options do you have to find a good healthcare plan for your family? Trump's tweet hours after the vote of the "Skinny Repeal" would say it is not. How does this all impact you and what options do you have to find a good healthcare plan for your family? no full 32 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:596ca83220099e88ccce0631 The Housing Market Right Now Right now the housing market has been through the roof!

2012 was actually the bottom of the housing market and since then it has been the third fastest growth in housing markets ever!
 

If you are someone who is thinking about buying or selling, it's important to know these simple guidelines.

 

 

Here Are 3 Practical Guidelines For TheHousing Market Today:

 

1. If Your Home Is Valued Over $500,000 You Need To Rethink Moving

Homes valued over $500K are actually stagnant and sitting for a long time. Don't just assume every home is moving quickly right now because the data is proving that to be true of homes under the $500,000 threshold.

 

2. If You Are Looking To Move (Fairly) Laterally You Will See A Wash

 

You may sell for 10% more and buy for 10% more. When that happens if you are moving up in the quality of your home, you may lose a little bit. But that is fairly normal as you move up and the home market fluctuates.

 

3. If You Are Looking To Buy Your First Home Or A Second Home... You Need To Wait

 

If you have the option of waiting, I would strongly suggest you give it time. Most experts agree there is no way this growth can be sustained. You really can win if you can wait a year or two.

 

 

Remember: One Advantage In All Situations Is You Can Grab Very Low-Interest Rates! (it's Just one factor to consider.)

 

Now, What Are You Going To Do Next?

 

The answer isn't always as black and white as the situations laid out above. 
 

If you still need clarity. Our team can offer practical advice and share our thoughts on all the factors that need to contribute to your decision.
 

Ask A Question About Your Situation 

]]> Fri, 21 Jul 2017 12:06:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/the-housing-market-right-now-a3ccb302 Right now the housing market has been through the roof!

2012 was actually the bottom of the housing market and since then it has been the third fastest growth in housing markets ever!
 

If you are someone who is thinking about buying or selling, it's important to know these simple guidelines.

 

 

Here Are 3 Practical Guidelines For TheHousing Market Today:

 

1. If Your Home Is Valued Over $500,000 You Need To Rethink Moving

Homes valued over $500K are actually stagnant and sitting for a long time. Don't just assume every home is moving quickly right now because the data is proving that to be true of homes under the $500,000 threshold.

 

2. If You Are Looking To Move (Fairly) Laterally You Will See A Wash

 

You may sell for 10% more and buy for 10% more. When that happens if you are moving up in the quality of your home, you may lose a little bit. But that is fairly normal as you move up and the home market fluctuates.

 

3. If You Are Looking To Buy Your First Home Or A Second Home... You Need To Wait

 

If you have the option of waiting, I would strongly suggest you give it time. Most experts agree there is no way this growth can be sustained. You really can win if you can wait a year or two.

 

 

Remember: One Advantage In All Situations Is You Can Grab Very Low-Interest Rates! (it's Just one factor to consider.)

 

Now, What Are You Going To Do Next?

 

The answer isn't always as black and white as the situations laid out above. 
 

If you still need clarity. Our team can offer practical advice and share our thoughts on all the factors that need to contribute to your decision.
 

Ask A Question About Your Situation 

]]> The Housing Market Right Now Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:11:25 Some people should not even think about moving when others really need to go grab some boxes and start packing today. Which are you? Some people should not even think about moving when others really need to go grab some boxes and start packing today. Which are you? no full 31 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:5970c52b59cc68dacda40f69 Your Questions Answered - 529 Accounts, Financial Gray, Establishing Credit for Your Children, & Top News Sources We are bringing back the "Lightning Round." Every week we answer so many great financial questions that are sent in online or brought up in conversations.

There are four topics we heard over the past week that make this episode of the show. Listen in to hear how we answered them. We hope you find this advice helpful if you've thought similar questions.

Find The Financial Advice You Want

Listen in at 2:29 For 529 Accounts.

Jess asks about 529 accounts and the best way to save for her one-year-old daughter's college.

 

Listen in at 7:39 for the "Financial Gray"

A listener named Chris asks Chris Burns if he has a money pet peeve. Chris shares his thoughts on having black and white thoughts around financial planning, and his passion for educating people on how specific situations demand custom plans. Living in the "financial gray" is often a better-charted course of action.

 

Listen in at 9:50 for Children's Credit Advice

How and when do you establish good credit for your children? When is it the best time to start?

 

Listen in at 13:28 for Trusted Financial Resources 

Where should you go to stay on top of the financial news? What are some good trusted resources? Chris shares some of his favorite websites to frequent.

 

Ask A QuestionContact Chris + Schedule a Consultation 

]]> Thu, 20 Jul 2017 15:30:11 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/your-questions-answered-529-accounts-d415f1bf We are bringing back the "Lightning Round." Every week we answer so many great financial questions that are sent in online or brought up in conversations.

There are four topics we heard over the past week that make this episode of the show. Listen in to hear how we answered them. We hope you find this advice helpful if you've thought similar questions.

Find The Financial Advice You Want

Listen in at 2:29 For 529 Accounts.

Jess asks about 529 accounts and the best way to save for her one-year-old daughter's college.

 

Listen in at 7:39 for the "Financial Gray"

A listener named Chris asks Chris Burns if he has a money pet peeve. Chris shares his thoughts on having black and white thoughts around financial planning, and his passion for educating people on how specific situations demand custom plans. Living in the "financial gray" is often a better-charted course of action.

 

Listen in at 9:50 for Children's Credit Advice

How and when do you establish good credit for your children? When is it the best time to start?

 

Listen in at 13:28 for Trusted Financial Resources 

Where should you go to stay on top of the financial news? What are some good trusted resources? Chris shares some of his favorite websites to frequent.

 

Ask A QuestionContact Chris + Schedule a Consultation 

]]> Your Questions Answered - 529 Accounts, Financial Gray, Establishing Credit for Your Children, & Top News Sources Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:18:35 We are bringing back the "Lightning Round." Every week we answer so many great financial questions that are sent in online or brought up in conversations. We are bringing back the "Lightning Round." Every week we answer so many great financial questions that are sent in online or brought up in conversations. no full 30 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:596ca8fef9a61e3111dc1f96 When Do Breaking Records Really Matter To Personal Finances? What does it mean for your personal finances when the market breaks another record? It seems like we keep hearing of MASSIVE record-breaking success. When should you care?

Listen to the entire Podcast or read some of the highlights below.

pexels-photo-81235.jpeg

 

Another Breaking Record... So, Now What?

 

When the market breaks a record all it means is we've reached a new high, but...
 

All that should matter to you is where you started.

 

If the market breaks a record and you jump in today. Today is your zero. Tomorrow's new "record" will affect your growth. 

 

The record breaking news simply means the three major indexes used to measure the market are going up.

pexels-photo-489626.jpeg

 

Be Careful - Here's The Biggest Threat With These Records

 

There is a massive danger with the market going up so much is that it can give us a sense we should be more aggressive.

 

If we looked back at the years of market records, you would laugh.

 

The last year before 2013 to break major records was 2007 - right before the crash.

 

I'm not saying everything is about to drop, but I am recommending that you invest as if the market crash is going to be tomorrow!
 

I meet with so many people that live with so much anxiety as they try to time being aggressive and worry about the constant market drop.

 

If you have an investment portfolio that plans for the worst, you have a plan that can handle another record-breaking day and a tragic market crash. There is incredible peace in that.

 

When you meet with our team, we focus on building a plan that is ready for great things and can endure a drop so that you don't lose more than you can afford.

 

If confidence and peace are something you want. I invite you to ask a question or schedule a time to meet together.

 

Ask A Question About My FinancesContact Chris 

]]> Tue, 18 Jul 2017 12:36:45 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/when-do-breaking-records-really-matter-8be7622b What does it mean for your personal finances when the market breaks another record? It seems like we keep hearing of MASSIVE record-breaking success. When should you care?

Listen to the entire Podcast or read some of the highlights below.

pexels-photo-81235.jpeg

 

Another Breaking Record... So, Now What?

 

When the market breaks a record all it means is we've reached a new high, but...
 

All that should matter to you is where you started.

 

If the market breaks a record and you jump in today. Today is your zero. Tomorrow's new "record" will affect your growth. 

 

The record breaking news simply means the three major indexes used to measure the market are going up.

pexels-photo-489626.jpeg

 

Be Careful - Here's The Biggest Threat With These Records

 

There is a massive danger with the market going up so much is that it can give us a sense we should be more aggressive.

 

If we looked back at the years of market records, you would laugh.

 

The last year before 2013 to break major records was 2007 - right before the crash.

 

I'm not saying everything is about to drop, but I am recommending that you invest as if the market crash is going to be tomorrow!
 

I meet with so many people that live with so much anxiety as they try to time being aggressive and worry about the constant market drop.

 

If you have an investment portfolio that plans for the worst, you have a plan that can handle another record-breaking day and a tragic market crash. There is incredible peace in that.

 

When you meet with our team, we focus on building a plan that is ready for great things and can endure a drop so that you don't lose more than you can afford.

 

If confidence and peace are something you want. I invite you to ask a question or schedule a time to meet together.

 

Ask A Question About My FinancesContact Chris 

]]> When Do Breaking Records Really Matter To Personal Finances? Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:13:22 The last year before 2013 to break major records was 2007 - right before the crash. Here's what should matter to you and the risk around only reading the headlines! The last year before 2013 to break major records was 2007 - right before the crash. Here's what should matter to you and the risk around only reading the headlines! no full 29 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:596c11c2414fb513abf7a74c Making Sense of The Healthcare Bill + A Surpising Solution My Family Chose This healthcare bill is facing a massive battle. At the core of the fight is simply this: Are we the kind of society that is okay letting people fail? 
 

Let's make the healthcare bill simple, explain the two schools of thought and then share what I found as a surprising solution one year ago that works for my family.

_Listen along to the whole show or read a brief overview below! _

pexels-photo-299050.jpeg

 

Let's Make This Healthcare Bill Simple. Ready?

 

Are we the kind of society that is okay with letting people fail?

That's ultimately the question we are answering. And t** here are two ways to answer:**
 

1. Yes - And If we can accept that reality as a society, we will give people the choice to accept healthcare.

2. no - then, we need to find the balance of giving coverage if you are sick, but not forcing everyone to pay into it.

 

Republican leadership is trying to make everyone happy and that will not work. You can't have both young people opting out and then offer reasonably rpcied premiums to the sick.

 

"You can't have young people opt out and offer reasonable premiums to the sick."

pexels-photo-374633.jpeg

 

Of course, if we offer cheaper plans super healthy people will buy them. And no fund will be able to offset that. 

This will be fascinating to watch what comes from this. 
 

Next week is the vote on the healthcare bill... so we will have a lot to talk about soon.

 

 

Here's Some Practical Feedback for You And Your Family's Finances

Let me share my healthcare experience.

We were paying $1,100 per month with a $7,000 premium. This was completely unsustainable for our family, understanding we would be out of pocket $19,000.

We investigated Medi-Share.

pexels-photo-302083.jpeg

Medi-Share has been in business for more than 20 years now and claims to never miss a claim.

We now pay about $350 per month with a $10,000 deductible. And now, there is 100% coverage. It seemed like the right move for our family.

 

Medi-share isn't right for everyone, but it helped us.

 

The most important questions you have to answer when shopping for Medi-Share or similar coverage are:
 

Am I going to be charged a penalty for not having healthcare?

(Some co-op's are not considered health care and you will have to pay a large fine on your taxes. Medishare and many others do qualify - be sure you check.)

 

Will it work? And what's the catch?

(Historically they are proven to work. It does ask you to take on a little more work when you have a doctors appointment, but it may make sense for the savings it could bring.)

 

 

Consider Health Savings Accounts!

Health Savings Accounts (HSA) are different than an FSA and a flex-spending account.

 

If you put money into an HSA it is a deduction that year, and it's a tax-free use of the money long term, AND it does not expire at the end of the year like an FSA.

 

It will sit and grow year over year forever.
 

The only way you are offered that is if you have a high deductible health plan. 
 

This not only helps with your taxes but also it grows tax-free money for medical use while growing year over year. This gives you incredible flexibility.We not know what is going to happen with the healthcare bill.

 

Ask A Question About Your SituationContact Chris + Learn More About Living With Peace

]]> Mon, 17 Jul 2017 12:01:53 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/making-sense-of-the-healthcare-bill-a-15cf14d1 This healthcare bill is facing a massive battle. At the core of the fight is simply this: Are we the kind of society that is okay letting people fail? 
 

Let's make the healthcare bill simple, explain the two schools of thought and then share what I found as a surprising solution one year ago that works for my family.

_Listen along to the whole show or read a brief overview below! _

pexels-photo-299050.jpeg

 

Let's Make This Healthcare Bill Simple. Ready?

 

Are we the kind of society that is okay with letting people fail?

That's ultimately the question we are answering. And t** here are two ways to answer:**
 

1. Yes - And If we can accept that reality as a society, we will give people the choice to accept healthcare.

2. no - then, we need to find the balance of giving coverage if you are sick, but not forcing everyone to pay into it.

 

Republican leadership is trying to make everyone happy and that will not work. You can't have both young people opting out and then offer reasonably rpcied premiums to the sick.

 

"You can't have young people opt out and offer reasonable premiums to the sick."

pexels-photo-374633.jpeg

 

Of course, if we offer cheaper plans super healthy people will buy them. And no fund will be able to offset that. 

This will be fascinating to watch what comes from this. 
 

Next week is the vote on the healthcare bill... so we will have a lot to talk about soon.

 

 

Here's Some Practical Feedback for You And Your Family's Finances

Let me share my healthcare experience.

We were paying $1,100 per month with a $7,000 premium. This was completely unsustainable for our family, understanding we would be out of pocket $19,000.

We investigated Medi-Share.

pexels-photo-302083.jpeg

Medi-Share has been in business for more than 20 years now and claims to never miss a claim.

We now pay about $350 per month with a $10,000 deductible. And now, there is 100% coverage. It seemed like the right move for our family.

 

Medi-share isn't right for everyone, but it helped us.

 

The most important questions you have to answer when shopping for Medi-Share or similar coverage are:
 

Am I going to be charged a penalty for not having healthcare?

(Some co-op's are not considered health care and you will have to pay a large fine on your taxes. Medishare and many others do qualify - be sure you check.)

 

Will it work? And what's the catch?

(Historically they are proven to work. It does ask you to take on a little more work when you have a doctors appointment, but it may make sense for the savings it could bring.)

 

 

Consider Health Savings Accounts!

Health Savings Accounts (HSA) are different than an FSA and a flex-spending account.

 

If you put money into an HSA it is a deduction that year, and it's a tax-free use of the money long term, AND it does not expire at the end of the year like an FSA.

 

It will sit and grow year over year forever.
 

The only way you are offered that is if you have a high deductible health plan. 
 

This not only helps with your taxes but also it grows tax-free money for medical use while growing year over year. This gives you incredible flexibility.We not know what is going to happen with the healthcare bill.

 

Ask A Question About Your SituationContact Chris + Learn More About Living With Peace

]]> Making Sense of The Healthcare Bill + A Surpising Solution My Family Chose Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:19:02 Let's make sense of the healthcare madness, explain the two schools of thought and then share what I found as a surprising solution one year ago that works for my family. Let's make sense of the healthcare madness, explain the two schools of thought and then share what I found as a surprising solution one year ago that works for my family. no full 28 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:5940adcee3df284c487cdc90 Are You Being Aggressive Enough With Your Money? The stock market is up double digits. It has been now for years.

We've seen a jump of more than 300% since 2009! It's insane. But, are you seeing similar numbers of growth in your account?

 

If you haven't seen the growth you think is possible in the second longest bull market in history -- maybe you should be more aggressive with your finances.

We discuss this more live from the radio show. Listen in.
toolstomeasure.jpeg

 

It's Important To Track The Right Growth - Here's Where It Matters Most

 

Go jump on your employer benefits website and see how the growth in your 401k for the year to date measurement. The S&P went up 14%. What did you do?

 

If it's not 14% -- that's okay, because if you are only tracking against the SMP, you're measuring the wrong thing.

 

To make the full 14% the S&P experienced, you have to be willing to accept 100% of the risk. What does that mean? From the high in 2007 to the low of 2008 there were over 50% in losses. 

You can earn 14% returns... if you're okay with the risks.

 

mansittingonfence.jpeg

If You're Under 40 You Can Afford To Be Aggressive - You'll Be Better In The Long Run.

 

If you have at least two decades until retirement a big loss would allow you to buy more and maximize your growth.
 

We love to encourage young people to be aggressive (With the right plan in place).

 

If you are over 40 you need to grow as much as possible while not hurting your long-term plan. The short term growth is not worth the long-term risk.

 

chessboard.jpeg

Know Your Total Financial Picture

 

Don't just look at your investments. It's about...

your income,

your risks,

your assets,

your protection,

and so many other pieces of the bigger picture.

 

We have access to tools that have just recently existed to predict your retirement. It's amazing.

 

It's not about how much you are making or how much you are saving.

 

Your progress towards retirement is a bigger picture than just a number.

 

Did you know there is a way for your 401(k) and your life insurance to work together to help you reach the dreams for the future?
 

There is a way your home owner's insurance and those stocks you received from your grandfather to work together in a strategy that gives you what you need for retirement.

 

Don't accept growth apart from strategy. You have to think BIGGER.

 

This is the reality, friends!

 

It's Time to Check Your Financial Junk Drawer

 

A lot of your financial lives resemble that drawer you avoid in your kitchen. Don't worry I have one too. We all do.

 

But, it doesn't have to be that way with your financial plan.

 

My client who wanted to make 14% is now happy to make 6% over the year because her plan includes a strategy. She is on her way to a successful retirement while not stressing over every week's headlines.**  **

 

Connect With Chris + Create A Financial Plan To Reach Your Dreams

 

We want you to feel more confident about your plans. Maybe that is through simple advice, showing you some financial tools, or a free consultation.

 

You can text your name to 855 224-3526 and we can begin to work to answer your question and address your personal financial concerns.

 

You deserve to reach your dreams and live in peace.

 

Learn More + Schedule a consultationGet An Answer To My Financial Question (Free) 

]]> Thu, 15 Jun 2017 09:30:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/are-you-being-aggressive-enough-with-4e1d44f9 The stock market is up double digits. It has been now for years.

We've seen a jump of more than 300% since 2009! It's insane. But, are you seeing similar numbers of growth in your account?

 

If you haven't seen the growth you think is possible in the second longest bull market in history -- maybe you should be more aggressive with your finances.

We discuss this more live from the radio show. Listen in.
toolstomeasure.jpeg

 

It's Important To Track The Right Growth - Here's Where It Matters Most

 

Go jump on your employer benefits website and see how the growth in your 401k for the year to date measurement. The S&P went up 14%. What did you do?

 

If it's not 14% -- that's okay, because if you are only tracking against the SMP, you're measuring the wrong thing.

 

To make the full 14% the S&P experienced, you have to be willing to accept 100% of the risk. What does that mean? From the high in 2007 to the low of 2008 there were over 50% in losses. 

You can earn 14% returns... if you're okay with the risks.

 

mansittingonfence.jpeg

If You're Under 40 You Can Afford To Be Aggressive - You'll Be Better In The Long Run.

 

If you have at least two decades until retirement a big loss would allow you to buy more and maximize your growth.
 

We love to encourage young people to be aggressive (With the right plan in place).

 

If you are over 40 you need to grow as much as possible while not hurting your long-term plan. The short term growth is not worth the long-term risk.

 

chessboard.jpeg

Know Your Total Financial Picture

 

Don't just look at your investments. It's about...

your income,

your risks,

your assets,

your protection,

and so many other pieces of the bigger picture.

 

We have access to tools that have just recently existed to predict your retirement. It's amazing.

 

It's not about how much you are making or how much you are saving.

 

Your progress towards retirement is a bigger picture than just a number.

 

Did you know there is a way for your 401(k) and your life insurance to work together to help you reach the dreams for the future?
 

There is a way your home owner's insurance and those stocks you received from your grandfather to work together in a strategy that gives you what you need for retirement.

 

Don't accept growth apart from strategy. You have to think BIGGER.

 

This is the reality, friends!

 

It's Time to Check Your Financial Junk Drawer

 

A lot of your financial lives resemble that drawer you avoid in your kitchen. Don't worry I have one too. We all do.

 

But, it doesn't have to be that way with your financial plan.

 

My client who wanted to make 14% is now happy to make 6% over the year because her plan includes a strategy. She is on her way to a successful retirement while not stressing over every week's headlines.**  **

 

Connect With Chris + Create A Financial Plan To Reach Your Dreams

 

We want you to feel more confident about your plans. Maybe that is through simple advice, showing you some financial tools, or a free consultation.

 

You can text your name to 855 224-3526 and we can begin to work to answer your question and address your personal financial concerns.

 

You deserve to reach your dreams and live in peace.

 

Learn More + Schedule a consultationGet An Answer To My Financial Question (Free) 

]]> Are You Being Aggressive Enough With Your Money? Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:15:03 If you haven't seen the growth you think is possible in the second longest bull market in history -- maybe you should be more aggressive with your finances. If you haven't seen the growth you think is possible in the second longest bull market in history -- maybe you should be more aggressive with your finances. no full 27 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:593f5df2cd0f6896d2601002 Your Wealth Could Be Suddenly Impacted by Big News In Great Britain A lot has happened in the global economy over the past week.

The U.K.'s vote to leave the European Union can drastically impact the U.S. economic market.

There are two clear takeaways you can apply after we break down all that has happened in this week's global economy.

The Exit of Brexit? It's To Be Seen...

 

Brexit, the declaration of Great Britain to leave the European Union, was changing the established order. And even though the vote for Great Britain to leave happened, the negotiations haven't happened yet.
 

Theresa May, the Prime Minster of Great Britain wanted to be in the strongest position possible heading into negotiations. 

Spoiler alert: that didn't happen.

 

All of the experts predicted Theresa May would win in a landslide! They called her party to pick up more seats in parliament, and she would enjoy a win by a margin of 20%.

But, what actually happened was quite the opposite.

Theresa May's party lost seats and she may not even continue to be the Prime Minister.

Now, what does this mean for Brexit and the future of its global economic ripples?

 

What we know is there is a lot we don't know.

pexels-photo-413176.jpeg

2 Things Anyone Can Learn From This Week's Headline Financial News - Listen Up!

 

There is uncertainty in the market, and there will likely be volatility. Is your financial plan ready for jumps and drops? Do you know how you will respond?

 

1. You have to expect volatility in the market.

 

2. You have to stop trusting expert predictions.

 

 

Do you remember what the experts predicted about Brexit? Trump? Theresa May?

Let me remind you -- Wrong. Wrong. And, wrong again.

 

pexels-photo-351495.jpeg

 

Friends, please learn the lesson now. Let these headlines teach you that you can't find someone to correctly predict what is coming up. No one knows what is going to happen in the market.

If no one knows what is going to come, how can you effectively plan?

 

It's been proven time and time again that don't win by predicting correctly, you win by planning well.

 

A good plan is built with one thing in mind: the worst.
 

When you plan to endure the worse market drop, a significant life change, or unplanned devastation -- you are confident that nothing will stop you from reaching the future.

 

Has your life been exactly what you thought it would be? Life is constantly changing. Your plan has to be built to handle change. 

 

Please create a plan that can handle life rather than solely trusting an expert forecaster.

 

I'd love to sit down together and gift you a free financial consultation. Show you how much risk you need to embrace and where to invest so that no drop slows you down from living the life of your dreams.

 

Give Me Peace of Mind + Confidence In My MoneyGet An Answer To A Financial Question 

]]> Tue, 13 Jun 2017 17:40:11 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/your-wealth-could-be-suddenly-impacted-b3f5913e A lot has happened in the global economy over the past week.

The U.K.'s vote to leave the European Union can drastically impact the U.S. economic market.

There are two clear takeaways you can apply after we break down all that has happened in this week's global economy.

The Exit of Brexit? It's To Be Seen...

 

Brexit, the declaration of Great Britain to leave the European Union, was changing the established order. And even though the vote for Great Britain to leave happened, the negotiations haven't happened yet.
 

Theresa May, the Prime Minster of Great Britain wanted to be in the strongest position possible heading into negotiations. 

Spoiler alert: that didn't happen.

 

All of the experts predicted Theresa May would win in a landslide! They called her party to pick up more seats in parliament, and she would enjoy a win by a margin of 20%.

But, what actually happened was quite the opposite.

Theresa May's party lost seats and she may not even continue to be the Prime Minister.

Now, what does this mean for Brexit and the future of its global economic ripples?

 

What we know is there is a lot we don't know.

pexels-photo-413176.jpeg

2 Things Anyone Can Learn From This Week's Headline Financial News - Listen Up!

 

There is uncertainty in the market, and there will likely be volatility. Is your financial plan ready for jumps and drops? Do you know how you will respond?

 

1. You have to expect volatility in the market.

 

2. You have to stop trusting expert predictions.

 

 

Do you remember what the experts predicted about Brexit? Trump? Theresa May?

Let me remind you -- Wrong. Wrong. And, wrong again.

 

pexels-photo-351495.jpeg

 

Friends, please learn the lesson now. Let these headlines teach you that you can't find someone to correctly predict what is coming up. No one knows what is going to happen in the market.

If no one knows what is going to come, how can you effectively plan?

 

It's been proven time and time again that don't win by predicting correctly, you win by planning well.

 

A good plan is built with one thing in mind: the worst.
 

When you plan to endure the worse market drop, a significant life change, or unplanned devastation -- you are confident that nothing will stop you from reaching the future.

 

Has your life been exactly what you thought it would be? Life is constantly changing. Your plan has to be built to handle change. 

 

Please create a plan that can handle life rather than solely trusting an expert forecaster.

 

I'd love to sit down together and gift you a free financial consultation. Show you how much risk you need to embrace and where to invest so that no drop slows you down from living the life of your dreams.

 

Give Me Peace of Mind + Confidence In My MoneyGet An Answer To A Financial Question 

]]> Your Wealth Could Be Suddenly Impacted by Big News In Great Britain Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:11:50 There are two clear takeaways you can apply after we break down all that has happened in this week's global economy. There are two clear takeaways you can apply after we break down all that has happened in this week's global economy. no full 26 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:5924c98de3df2851634c31fc Today's Best Financial Advice Has To Be About More Than Wealth How do you know if your good at your job? How are you graded?

Financial advisors today have it easy if they are only responsible is to make you money. The market is unbelievably good. They could make you money and give you terrible financial counsel.

 

Here's one major thing you need to be sure you are hearing from your advisor today outside of growing your wealth: 

 
pexels-photo-390144.jpeg

Making Money Is A Good Thing. But, Keeping It Safe Is A REALLY Good Thing.

 

I have a HUGE pet peeve about financial advisors role. This is a mountain top, that I'll stand on and shout until my voice is gone. So, many people get it mixed up when evaluating if they're with a good financial advisor.

 

Before you answer the question "How?" you need to answer "Why?".

 

How do you feel about your current advisor? Chances are you've been with them for some time and likely feel pretty good.

The better question is why do you feel how you do.

 

Do you like your financial advisor because:

  • You've seen good returns on your investment?
  • You feel like you can trust them?
  • Your family and friends use the same person?

 

If you're getting a good return on your investment, that's not enough to be happy with your investor! Everyone is having HUGE returns!

 

Your golden retriever could have picked a good portfolio over the past few years.

 

animal-dog-golden-retriever-9716.jpg

So, What Matters When Choosing The Right Financial Advisor Today

 

Most importantly they must be a fiduciary. You have to know the motivation behind their advice.
 

Check out: "How To Know If Your Advisor Has Your Best Interest In Mind" for the scoop on fiduciaries.

 

If your advisor today isn't prepping you for a drop -- you need to be concerned.

 

Not everyone will agree with me, but, in today's economic circumstances, you should base your opinion of your advisor on how well they are preparing you for the bad times not the good.

 

If the market dropped tomorrow can you tell me how much you would lose?

We're sitting at the top. And it's a nice view, but we have to accept the reality of what is coming. That is the job of your advisor.

 

Your financial advisor needs to be guiding you (and you need to be asking them) about what is coming and how to prepare for a drop. 

 

Don't let circumstances give you a false sense of security. 

 

It's an incredibly important time to be ready. Go and have the hard conversation with your advisor.
 

I Don't have An Advisor And Want To Meet

One of the more common reasons I hear people want to switch from their advisor are the fees...

We've talked about this before.

Fees? Are another pet peeve of mine that I will touch on briefly.

I recently met with someone and they were paying 1.5% fees to their advisor. Plus, the mutual funds they were invest in were class C mutual funds.

That means this person was paying over 3% in annual fees -- killing the growth of their portfolio.

 

Don't Overpay for Good Advice.

Don't Accept Bad Advice.

Don't Equate More Money With Good Advice.

 

Ask a Question About My FinancesLearn More About Getting Good Financial Advice + Meet Up 

  <h2>Make The News Simple.</h2>
  <p>Every week we share how the biggest news stories practically impact your financial future. </p>




  

    

    

      
        
          Email Address
          
        
      

    

      

    

  

  
    <span></span><span>Get Started</span><span></span>
  




  <p>We make your personal financial planning easy.</p>


<p>Thank you! Look out for your weekly tips hitting your inbox soon!</p>

 

]]> Thu, 25 May 2017 09:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/todays-best-financial-advice-has-to-be-2789d835 How do you know if your good at your job? How are you graded?

Financial advisors today have it easy if they are only responsible is to make you money. The market is unbelievably good. They could make you money and give you terrible financial counsel.

 

Here's one major thing you need to be sure you are hearing from your advisor today outside of growing your wealth: 

 
pexels-photo-390144.jpeg

Making Money Is A Good Thing. But, Keeping It Safe Is A REALLY Good Thing.

 

I have a HUGE pet peeve about financial advisors role. This is a mountain top, that I'll stand on and shout until my voice is gone. So, many people get it mixed up when evaluating if they're with a good financial advisor.

 

Before you answer the question "How?" you need to answer "Why?".

 

How do you feel about your current advisor? Chances are you've been with them for some time and likely feel pretty good.

The better question is why do you feel how you do.

 

Do you like your financial advisor because:

  • You've seen good returns on your investment?
  • You feel like you can trust them?
  • Your family and friends use the same person?

 

If you're getting a good return on your investment, that's not enough to be happy with your investor! Everyone is having HUGE returns!

 

Your golden retriever could have picked a good portfolio over the past few years.

 

animal-dog-golden-retriever-9716.jpg

So, What Matters When Choosing The Right Financial Advisor Today

 

Most importantly they must be a fiduciary. You have to know the motivation behind their advice.
 

Check out: "How To Know If Your Advisor Has Your Best Interest In Mind" for the scoop on fiduciaries.

 

If your advisor today isn't prepping you for a drop -- you need to be concerned.

 

Not everyone will agree with me, but, in today's economic circumstances, you should base your opinion of your advisor on how well they are preparing you for the bad times not the good.

 

If the market dropped tomorrow can you tell me how much you would lose?

We're sitting at the top. And it's a nice view, but we have to accept the reality of what is coming. That is the job of your advisor.

 

Your financial advisor needs to be guiding you (and you need to be asking them) about what is coming and how to prepare for a drop. 

 

Don't let circumstances give you a false sense of security. 

 

It's an incredibly important time to be ready. Go and have the hard conversation with your advisor.
 

I Don't have An Advisor And Want To Meet

One of the more common reasons I hear people want to switch from their advisor are the fees...

We've talked about this before.

Fees? Are another pet peeve of mine that I will touch on briefly.

I recently met with someone and they were paying 1.5% fees to their advisor. Plus, the mutual funds they were invest in were class C mutual funds.

That means this person was paying over 3% in annual fees -- killing the growth of their portfolio.

 

Don't Overpay for Good Advice.

Don't Accept Bad Advice.

Don't Equate More Money With Good Advice.

 

Ask a Question About My FinancesLearn More About Getting Good Financial Advice + Meet Up 

  <h2>Make The News Simple.</h2>
  <p>Every week we share how the biggest news stories practically impact your financial future. </p>




  

    

    

      
        
          Email Address
          
        
      

    

      

    

  

  
    <span></span><span>Get Started</span><span></span>
  




  <p>We make your personal financial planning easy.</p>


<p>Thank you! Look out for your weekly tips hitting your inbox soon!</p>

 

]]> Today's Best Financial Advice Has To Be About More Than Wealth Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:06:12 Financial advisors today have an easy job if they are only responsible for making you money. But, I believe they need to do more. Here's what you have to be looking for when you talk to your advisor. Financial advisors today have an easy job if they are only responsible for making you money. But, I believe they need to do more. Here's what you have to be looking for when you talk to your advisor. no full 24 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:59239abb29687fca282dab52 What The Last Market Drop Should Make You Realize About Retirement The market had the biggest drop of the year last Wednesday. 

And even though all economic data is positive with strong reports of growth, President Trump is unpredictable. This is not a political statement this is a financial reality.

Here's what you need to realize about retirement today whether you are close to retirement or just beginning to invest:

computer-pc-workplace-home-office-159784.jpeg

 

How Will The Drama in Washington And Market Fluctuation Impact You?

 

My financial advice is different if you are nearing retirement or if you are a young family starting to invest in your future goals.

Let's break it down, before the next new controversy pops up.

 

My Investing Advice If You are Close To Retirement

 

Of the clients I meet with, the most common flawed thinking is a version of market timing. If you've asked:

  • When will the market crash?
  • Should I wait to change my investments?
  • Why would I adjust my portfolio now, it's doing so well?

You are guilty of relying on market timing, and this will more than likely end poorly.  You have to assume the market will drop tomorrow.

 

If the market actually did drop tomorrow, how much would you lose?

Or, if it dropped, how reliant are you on the money in the market for your future income?

 

If most of your money is in a 401K or IRA and the market were to drop, you would be in trouble.

Although, the market is one component to look at when we evaluate your investments and retirement strategy. It's more about your whole situation.

How can you invest to be sure your plan for the future is not destroyed by a market drop?

 

I help people in every stage of financial preparedness create a comprehensive plan that looks at every factor of your finances so that you can feel confident in your plan for the future.

 

This is a plan that works when the market is up and when it is down. It is based on how much risk/loss you can handle to meet your goals.

Financial stress is a choice and you can choose to live without it. Let's talk, especially if you are nearing retirement within the next 15 years.

computer-pc-workplace-home-office-159784.jpeg

 

Now, Financial Advice for Younger People! What Should You Know About Planning For Retirement Today?

 

My biggest piece of advice is to use your greatest asset to your advantage: time.

Most young people are afraid to be aggressive with their investments. Why? You're planning for a goal 30 years from now, not three years from now.

 

The #1 advantage to being young is compounding interest! 

 

If you are under 35 years old, God's investing gift to you is capitalizing on compound interest.

Your retirement account could drop by 40%, and it won't matter if you are invested in a healthy diversified portfolio.

If you are able to take a little more risk and invest wisely, it can pay off BIG in the long run. But, you can't just invest without knowing what you are doing.

My team uses scientific measurements to maximize your portfolio over time. My recommended strategy, just like those nearing retirement, focuses on understanding your risk. You have to embrace a mindset that accepts the "what if" a drop hits and sticks to the plan when it does.
 

If you can hold onto a risk level for a period of time you will win in the end.

My approach to financial principles are proven to work historically, and some simple coaching can significantly help you succeed.

 
Reach Out And Schedule A Free Consultation  pexels-photo-41120.jpeg

Is Your Financial Portfolio Ready?

 

Regardless of where you are and how you feel about the health of your finances, you need to be sure a drop in the market won't wreck your plan.

You deserve to feel confident in your financial strategy.

Much of life's stresses are rooted in financial uncertainty. I believe you miss out on life when your finances are in chaos. But when life is being enjoyed most, and you aren't anxiously monitoring your wealth, you're often in a place of financial peace.

 

Life is about more than money and we can help you feel confident in your financial plan to reach retirement.

 

Ask A Question About My FinancesMeet With Chris + Schedule Time

]]> Tue, 23 May 2017 09:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/what-the-last-market-drop-should-make-bba46055 The market had the biggest drop of the year last Wednesday. 

And even though all economic data is positive with strong reports of growth, President Trump is unpredictable. This is not a political statement this is a financial reality.

Here's what you need to realize about retirement today whether you are close to retirement or just beginning to invest:

computer-pc-workplace-home-office-159784.jpeg

 

How Will The Drama in Washington And Market Fluctuation Impact You?

 

My financial advice is different if you are nearing retirement or if you are a young family starting to invest in your future goals.

Let's break it down, before the next new controversy pops up.

 

My Investing Advice If You are Close To Retirement

 

Of the clients I meet with, the most common flawed thinking is a version of market timing. If you've asked:

  • When will the market crash?
  • Should I wait to change my investments?
  • Why would I adjust my portfolio now, it's doing so well?

You are guilty of relying on market timing, and this will more than likely end poorly.  You have to assume the market will drop tomorrow.

 

If the market actually did drop tomorrow, how much would you lose?

Or, if it dropped, how reliant are you on the money in the market for your future income?

 

If most of your money is in a 401K or IRA and the market were to drop, you would be in trouble.

Although, the market is one component to look at when we evaluate your investments and retirement strategy. It's more about your whole situation.

How can you invest to be sure your plan for the future is not destroyed by a market drop?

 

I help people in every stage of financial preparedness create a comprehensive plan that looks at every factor of your finances so that you can feel confident in your plan for the future.

 

This is a plan that works when the market is up and when it is down. It is based on how much risk/loss you can handle to meet your goals.

Financial stress is a choice and you can choose to live without it. Let's talk, especially if you are nearing retirement within the next 15 years.

computer-pc-workplace-home-office-159784.jpeg

 

Now, Financial Advice for Younger People! What Should You Know About Planning For Retirement Today?

 

My biggest piece of advice is to use your greatest asset to your advantage: time.

Most young people are afraid to be aggressive with their investments. Why? You're planning for a goal 30 years from now, not three years from now.

 

The #1 advantage to being young is compounding interest! 

 

If you are under 35 years old, God's investing gift to you is capitalizing on compound interest.

Your retirement account could drop by 40%, and it won't matter if you are invested in a healthy diversified portfolio.

If you are able to take a little more risk and invest wisely, it can pay off BIG in the long run. But, you can't just invest without knowing what you are doing.

My team uses scientific measurements to maximize your portfolio over time. My recommended strategy, just like those nearing retirement, focuses on understanding your risk. You have to embrace a mindset that accepts the "what if" a drop hits and sticks to the plan when it does.
 

If you can hold onto a risk level for a period of time you will win in the end.

My approach to financial principles are proven to work historically, and some simple coaching can significantly help you succeed.

 
Reach Out And Schedule A Free Consultation  pexels-photo-41120.jpeg

Is Your Financial Portfolio Ready?

 

Regardless of where you are and how you feel about the health of your finances, you need to be sure a drop in the market won't wreck your plan.

You deserve to feel confident in your financial strategy.

Much of life's stresses are rooted in financial uncertainty. I believe you miss out on life when your finances are in chaos. But when life is being enjoyed most, and you aren't anxiously monitoring your wealth, you're often in a place of financial peace.

 

Life is about more than money and we can help you feel confident in your financial plan to reach retirement.

 

Ask A Question About My FinancesMeet With Chris + Schedule Time

]]> What The Last Market Drop Should Make You Realize About Retirement Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:17:31 Here's what you need to realize about retirement today whether you are close to retirement or just beginning to invest Here's what you need to realize about retirement today whether you are close to retirement or just beginning to invest no full 23 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:5918e5d1893fc0567ac217c3 The Stress-Free Solution To Getting Your Money in a Strong Place There is a different way to approach finances. It's what motivates us to meet with clients.

You have to have control of your finances to have control of your life.

 

Where You Start Is Important.

Start By Identifying What Matters Most To You

 

 

For me, it's my family. It's investing in them and shaping who they become.

 

The reason we talk about finances isn't so you can get the highest return on your bank accounts.

 

Money is a tool towards the life you want.

The life you want may be, like me, more time with your family, more traveling, more rest.

 

A lot of life is full of conflict, and much of the stress comes from finances.

I get this. It's my story too. When I was first married, my wife became very sick, to the point of where she nearly passed away.

12615710_10208904653399058_8131954792422702214_o.jpg

 

We bounced from doctor to doctor with medical bills stacking up against us as we felt like everything was falling apart. The amount of stress was the hardest thing we've experienced. I felt crippled by a job in a non-profit not being able to bring in enough money.

It felt like nothing was ever enough.

If you are living in stress, or anxiety and not able to live the life you want, I get it.

That's why I started and believe in More than Money.
 

When I meet with people, my goal isn't to make them feel irresponsible or unprepared.

My goal is to provide clarity and confidence for your financial world. I do this through understanding your goals and what matters to you, then building a plan that is custom made for your specific circumstances.

 

I don't want to lecture you.

Because when I was in the midst of financial stress, I was my toughest critic. You likely are being hard on yourself already. You need help, not discipline.

 

I want to help you feel confident about where you are going.

 

If You Feel Stressed About Meeting With An Advisor, You Need To Meet With An Advisor Who Truly Cares

 

No matter where you are, the first step towards getting rid of financial stress is finding the solution that works for you.

I know you are tired of being anxious and the other side of hardship holds a great deal of freedom.

 

I can come alongside you.

If you are feeling stress that stems from your finances, know there is a solution. Let us help you build that solution, stopping the stress for once and for all. Life is about more than the stress you are feeling. Life is more than money.

 

My favorite part of what I do is helping people build confidence for their future, which brings peace of mind for today.

 

The Stress-Free Solution Is Waiting For You

Get Honest, Judgment-Free HelpAsk A Question About My Finances 

]]> Wed, 17 May 2017 21:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/the-stress-free-solution-to-getting-your-65a76909 There is a different way to approach finances. It's what motivates us to meet with clients.

You have to have control of your finances to have control of your life.

 

Where You Start Is Important.

Start By Identifying What Matters Most To You

 

 

For me, it's my family. It's investing in them and shaping who they become.

 

The reason we talk about finances isn't so you can get the highest return on your bank accounts.

 

Money is a tool towards the life you want.

The life you want may be, like me, more time with your family, more traveling, more rest.

 

A lot of life is full of conflict, and much of the stress comes from finances.

I get this. It's my story too. When I was first married, my wife became very sick, to the point of where she nearly passed away.

12615710_10208904653399058_8131954792422702214_o.jpg

 

We bounced from doctor to doctor with medical bills stacking up against us as we felt like everything was falling apart. The amount of stress was the hardest thing we've experienced. I felt crippled by a job in a non-profit not being able to bring in enough money.

It felt like nothing was ever enough.

If you are living in stress, or anxiety and not able to live the life you want, I get it.

That's why I started and believe in More than Money.
 

When I meet with people, my goal isn't to make them feel irresponsible or unprepared.

My goal is to provide clarity and confidence for your financial world. I do this through understanding your goals and what matters to you, then building a plan that is custom made for your specific circumstances.

 

I don't want to lecture you.

Because when I was in the midst of financial stress, I was my toughest critic. You likely are being hard on yourself already. You need help, not discipline.

 

I want to help you feel confident about where you are going.

 

If You Feel Stressed About Meeting With An Advisor, You Need To Meet With An Advisor Who Truly Cares

 

No matter where you are, the first step towards getting rid of financial stress is finding the solution that works for you.

I know you are tired of being anxious and the other side of hardship holds a great deal of freedom.

 

I can come alongside you.

If you are feeling stress that stems from your finances, know there is a solution. Let us help you build that solution, stopping the stress for once and for all. Life is about more than the stress you are feeling. Life is more than money.

 

My favorite part of what I do is helping people build confidence for their future, which brings peace of mind for today.

 

The Stress-Free Solution Is Waiting For You

Get Honest, Judgment-Free HelpAsk A Question About My Finances 

]]> The Stress-Free Solution To Getting Your Money in a Strong Place Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:11:33 You have to have control of your finances to have control of your life. You have to have control of your finances to have control of your life. no full 22 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:5918e21dd2b857e0cc17b6cb Healthcare? Taxes? Life? Know How To Protect Your Finances Today The two biggest expenses facing most Americans are healthcare and taxes. The status of both are up in the air and causing a great amount of stress for millions holding there breathe awaiting what is going to happen.
 

In short, there are a lot of question marks on healthcare and taxes.

 

How do you plan for what you don't know? Here's how you can create financial stability in a time of uncertainty.

pexels-photo-69100.jpeg

A Great Financial Plan Today Has To Be Flexible Above All Else

 

How you make a strong financial plan when you don't know what is coming, is accounting for flexibility.

You can't control what is going to happen.

But you can control your financial foundation you build your life upon. It's essential you build it right.

This is relevant for anyone that is 23 or 53! 

 

coins-currency-investment-insurance.jpg

First Thing You Need To Do Is - Create An Emergency Fund!

 

This is the foundation in creating financial confidence. Get this done first, and do it correctly, and you will dramatically reduce the stress of your life.

How much should you put in an emergency fund?

A strong emergency fund has at least three months of income. It is money that you put in a boring, fully-liquid savings account before you direct a dollar anywhere else.

 

If you are worried about all that is happening in Washington, D.C. Here's how you take a step towards financial peace of mind.
 

Are you prepared for your taxes changing?

Or, have you been considering your healthcare costs?

What about the realities of life? Sickness? Job loss?

This 3-month foundation makes all of those changes easier and shifts the control to your court.

That's the first step.

pexels-photo-236907.jpeg

 

Next, It's Time For You To Open Up A ROTH IRA

 

ROTH IRA's are after tax accounts. The contributions you put in it is still liquid and it exists as an extension to your savings accounts.
 

This means that not only will you have three months of income, but also a fully funded ROTH that is an extension.

You can't access the growth of your ROTH but you can quickly pull this money whenever you may need it.

On top of your foundation, you now have additional layers of security and growth.

pexels-photo-45111.jpeg

 

Finally, The Last Step To Being Prepared For Any Financial Headline - Put Your Money Towards Paying Off Debt!

 

Start paying off your debt before you save anything else.

The road to financial freedom has never been more important. 

Washington and the President may decide to make a number of changes on healthcare, taxes and retirement savings plans.

You can control your future. 

 

Want to talk about your specific situation?

 

After a brief talk or coffee together, you can have peace in your financial situation.

I would love to help.

  Ask A Question About My FinancesSchedule Time With Chris 

]]> Wed, 17 May 2017 09:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/healthcare-taxes-life-know-how-to-1dd76013 The two biggest expenses facing most Americans are healthcare and taxes. The status of both are up in the air and causing a great amount of stress for millions holding there breathe awaiting what is going to happen.
 

In short, there are a lot of question marks on healthcare and taxes.

 

How do you plan for what you don't know? Here's how you can create financial stability in a time of uncertainty.

pexels-photo-69100.jpeg

A Great Financial Plan Today Has To Be Flexible Above All Else

 

How you make a strong financial plan when you don't know what is coming, is accounting for flexibility.

You can't control what is going to happen.

But you can control your financial foundation you build your life upon. It's essential you build it right.

This is relevant for anyone that is 23 or 53! 

 

coins-currency-investment-insurance.jpg

First Thing You Need To Do Is - Create An Emergency Fund!

 

This is the foundation in creating financial confidence. Get this done first, and do it correctly, and you will dramatically reduce the stress of your life.

How much should you put in an emergency fund?

A strong emergency fund has at least three months of income. It is money that you put in a boring, fully-liquid savings account before you direct a dollar anywhere else.

 

If you are worried about all that is happening in Washington, D.C. Here's how you take a step towards financial peace of mind.
 

Are you prepared for your taxes changing?

Or, have you been considering your healthcare costs?

What about the realities of life? Sickness? Job loss?

This 3-month foundation makes all of those changes easier and shifts the control to your court.

That's the first step.

pexels-photo-236907.jpeg

 

Next, It's Time For You To Open Up A ROTH IRA

 

ROTH IRA's are after tax accounts. The contributions you put in it is still liquid and it exists as an extension to your savings accounts.
 

This means that not only will you have three months of income, but also a fully funded ROTH that is an extension.

You can't access the growth of your ROTH but you can quickly pull this money whenever you may need it.

On top of your foundation, you now have additional layers of security and growth.

pexels-photo-45111.jpeg

 

Finally, The Last Step To Being Prepared For Any Financial Headline - Put Your Money Towards Paying Off Debt!

 

Start paying off your debt before you save anything else.

The road to financial freedom has never been more important. 

Washington and the President may decide to make a number of changes on healthcare, taxes and retirement savings plans.

You can control your future. 

 

Want to talk about your specific situation?

 

After a brief talk or coffee together, you can have peace in your financial situation.

I would love to help.

  Ask A Question About My FinancesSchedule Time With Chris 

]]> Healthcare? Taxes? Life? Know How To Protect Your Finances Today Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:15:54 In short, there are a lot of question marks on healthcare and taxes. How do you plan for what you don't know? Here's how you can create financial stability in a time of uncertainty. In short, there are a lot of question marks on healthcare and taxes. How do you plan for what you don't know? Here's how you can create financial stability in a time of uncertainty. no full 21 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:59069b219de4bb35a6ccf53d We're In One of The Fastest Increases of Home Values Ever Right now you can lock in a crazy interest rate but is the rush of buying a home forcing you to overpay?

The housing market is crazy right now if you are looking to sell, and dangerous if you are wanting to buy. Listen in to my advice to home buyers.

  pexels-photo-279607.jpeg

Have you watched houses in your neighborhood fly off the market?

 

Home prices are up 40% since 2012. It's the third fastest growth of home rates since the 1890's.

 

Some of you right now are tempted to make rash decisions because of the reality of this housing market - multiple above-price offers, adding cash to the deal, or even waiving the home inspection.

These mistakes hurt you in the long-run.

Don't let the housing market pressure you into making a financially regrettably decision you wish you would have approached with more wisdom.

The Key Question To Ask In This Insane Home Market Is This:

Why Am I Buying?

 

Mortgage rates are great right now. It is a great time to buy in terms of the interest, but only if you are able to find a good deal that doesn't lead to reckless decision making.

The risk you face when buying a home today is the home value likely won't go up much.

 

If you are buying, you have to be careful. You are buying at the top of the market.

Be sure you understand your motives and have the self-control to make a financially-wise decision that helps you reach your dreams.

 

I Have A Question About My Finances

]]> Fri, 5 May 2017 09:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/were-in-one-of-the-fastest-increases-of-c780e7c8 Right now you can lock in a crazy interest rate but is the rush of buying a home forcing you to overpay?

The housing market is crazy right now if you are looking to sell, and dangerous if you are wanting to buy. Listen in to my advice to home buyers.

  pexels-photo-279607.jpeg

Have you watched houses in your neighborhood fly off the market?

 

Home prices are up 40% since 2012. It's the third fastest growth of home rates since the 1890's.

 

Some of you right now are tempted to make rash decisions because of the reality of this housing market - multiple above-price offers, adding cash to the deal, or even waiving the home inspection.

These mistakes hurt you in the long-run.

Don't let the housing market pressure you into making a financially regrettably decision you wish you would have approached with more wisdom.

The Key Question To Ask In This Insane Home Market Is This:

Why Am I Buying?

 

Mortgage rates are great right now. It is a great time to buy in terms of the interest, but only if you are able to find a good deal that doesn't lead to reckless decision making.

The risk you face when buying a home today is the home value likely won't go up much.

 

If you are buying, you have to be careful. You are buying at the top of the market.

Be sure you understand your motives and have the self-control to make a financially-wise decision that helps you reach your dreams.

 

I Have A Question About My Finances

]]> We're In One of The Fastest Increases of Home Values Ever Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:05:24 The housing market is crazy right now if you are looking to sell, and dangerous if you are wanting to buy. Listen in to my advice to home buyers. The housing market is crazy right now if you are looking to sell, and dangerous if you are wanting to buy. Listen in to my advice to home buyers. no full 20 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:590691d9b3db2ba7ea0d413a The 100 Day Challenge Revisited - Securing Your Financial Dreams No matter what you think about Trump we all agree on one thing that he is unpredictable.

The markets have responded to his unpredictable announcements.

Here we sit, 100 days into his Presidency. What happened? What will happen? How can you be best prepared so that your future looks how you dream it will?

 

pexels-photo-105472.jpeg

 

Trump's Presidency has industry leaders looking for advice. I had a financial advisor call and ask me for help on how to invest his clients with the market right now.

 

The issue was he continued to deal with is that he was looking at the current market.

He wanted to see his client's do well and was nervous about the timing of the next drop and if his clients would experience a severe loss. That's the wrong perspective to win in the long-term and has client's won't feel peace in their financial plan.
 

To win in your personal finances during Trump's presidency, it is about understanding your risk and risk tolerance.

Not only will you be on track to grow your wealth, but you will have incredible peace in your life.

Do You Know Your Risk Tolerance?
pexels-photo-271440.jpeg

 

Understanding your risk tolerance is the first thing we do with our clients to be sure no drop in the market puts your dreams out of reach.

 

In the radio episode/ podcast above, we share Amy and Andy's story and how we adjusted their portfolio to help them reach their goals for retirement.

Now they have a plan that is structured for any market drop, they're prepared if one of them were to pass away and they know exactly what to do to succeed.

 

It's about the quality of life you live with every day.

 

Don't live in stress during these volitale times. Everything could continue to do amazingly, but the only way to be confident in your finances is to first understand the amount of risk you can endure.

 

Tell Me My Risk TOleranceI have A Question And Want Advice

]]> Wed, 3 May 2017 09:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/the-100-day-challenge-revisited-securing-13804150 No matter what you think about Trump we all agree on one thing that he is unpredictable.

The markets have responded to his unpredictable announcements.

Here we sit, 100 days into his Presidency. What happened? What will happen? How can you be best prepared so that your future looks how you dream it will?

 

pexels-photo-105472.jpeg

 

Trump's Presidency has industry leaders looking for advice. I had a financial advisor call and ask me for help on how to invest his clients with the market right now.

 

The issue was he continued to deal with is that he was looking at the current market.

He wanted to see his client's do well and was nervous about the timing of the next drop and if his clients would experience a severe loss. That's the wrong perspective to win in the long-term and has client's won't feel peace in their financial plan.
 

To win in your personal finances during Trump's presidency, it is about understanding your risk and risk tolerance.

Not only will you be on track to grow your wealth, but you will have incredible peace in your life.

Do You Know Your Risk Tolerance?
pexels-photo-271440.jpeg

 

Understanding your risk tolerance is the first thing we do with our clients to be sure no drop in the market puts your dreams out of reach.

 

In the radio episode/ podcast above, we share Amy and Andy's story and how we adjusted their portfolio to help them reach their goals for retirement.

Now they have a plan that is structured for any market drop, they're prepared if one of them were to pass away and they know exactly what to do to succeed.

 

It's about the quality of life you live with every day.

 

Don't live in stress during these volitale times. Everything could continue to do amazingly, but the only way to be confident in your finances is to first understand the amount of risk you can endure.

 

Tell Me My Risk TOleranceI have A Question And Want Advice

]]> The 100 Day Challenge Revisited - Securing Your Financial Dreams Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:08:15 Here we sit, 100 days into his Presidency. What happened? What will happen? How can you be best prepared so that your future looks how you dream it will? Here we sit, 100 days into his Presidency. What happened? What will happen? How can you be best prepared so that your future looks how you dream it will? no full 18 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:59068123f5e2319ca13c25f5 Trump's Tax Plan Made Simple - Here Is Everything You Need to Know Trump's proposed tax plan is both incredibly remarkable and disruptive.

A few things about Trump's tax plan stand out. Here are three main keys to understanding how it impacts your financial future and personal savings plan.

 

startup-593343_1280.jpg

Let's Start With My Favorite Criticism of Trump's Proposed Tax Plan
 

The Wall Street Journal quoted Lilly Batchelder, a former Obama Administration aide who now teaches at New York saying, "This plan could have been written on a napkin and the changes could have been written on the business card. This is an effort to create some buzz in the first 100 days but not propose any meaningful differences to the tax plans."

 

But, I find relief hearing the plan is simple and more straight forward.

 

Today, you have to spend years studying taxes to hold a basic tax job. 

And still, 10 different accountants can each have a different situation to approach taxes. Why are we making taxes so complicated all the time? There's a problem here.

 

Here's a simple explanation to a very simple plan.

 

The 3 Big Keys To Understand What Trump Is Suggesting In The New Tax Plan:

 

1. This tax plan would reduce income tax brackets down to three unique brackets.

 

2. The plan would repeal the estate tax. 

 

3. The plan would cut the tax on businesses to 15%.(Currently at 40%.)

 

(If you want further explanations on what this means the audio file from the show expands on this at 3:40 - Listen above.)

father-2212101_1280.jpg

 

Maybe that doesn't Sound that simple, yet. 

Here's what it means for your finances.

 

Most businesses will see an 11% drop in the taxes they pay. 

The belief is that if the United States dramatically reduces business taxes, businesses will hire more people and an increased amount of jobs will come back to the U.S.

While businesses/business owners will see an immediate benefit, if you are working in a job getting a W2, you probably won't see a big change. You'll likely be in the same bracket you are in now.

 

The Flip Side: By cutting taxes, The country's revenue is decreasing which means we are growing our national deficit.
 

This is true - we are spending money we don't have but, we can't solve the national deficit by being the highest taxed country in the world. More than 50% of our country's budget goes toward government programs that nobody is willing to touch.
 

Legislative changes are coming and this is where the tax plan impacts you the most.

because There is more to come...

 
post-it-notes-1284667_1280.jpg

Your Personal Financial Plan & The Legislative Changes That Are Coming...

 

There is a BIGGER takeaway than wrapping your head around the new tax plan.
 

Today's successful financial planners will build in flexibility.

 

Legislative changes will come along and change the whole picture of financial planning. This tax plan is a good change and it still will impact how you plan for the future.

A lot of you have spent a lot of time and money in creating a financial portfolio that may suddenly be obsolete or dramatically changed.

 

Even now, congress is talking about doing away with pre-taxed 401K contributions. 

 

You have to build a plan that works if the legislation stays the same and will continue to work even if legislation changes.

 

bar-1851114_1280.jpg

Now, What Do You Do Next?
 

We know there are significant changes coming.

Ask yourself, "Is your financial portfolio ready for dynamic changes in legislation?"

 

If you want to grab a coffee, jump on skype or have a phone conversation with a professional personal financial planner, our team would love to give you honest feedback.

We love to to review financial plans and help individuals and families  be prepared for tax changes and larger scope legislation shifts. Our goal is to help people enjoy their life more and focus less on the worry around money.

Reach out below to begin a conversation.

 

Learn More About Having Confidence In My PlanAsk A Question

]]> Mon, 1 May 2017 09:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/trumps-tax-plan-made-simple-here-is-25962489 Trump's proposed tax plan is both incredibly remarkable and disruptive.

A few things about Trump's tax plan stand out. Here are three main keys to understanding how it impacts your financial future and personal savings plan.

 

startup-593343_1280.jpg

Let's Start With My Favorite Criticism of Trump's Proposed Tax Plan
 

The Wall Street Journal quoted Lilly Batchelder, a former Obama Administration aide who now teaches at New York saying, "This plan could have been written on a napkin and the changes could have been written on the business card. This is an effort to create some buzz in the first 100 days but not propose any meaningful differences to the tax plans."

 

But, I find relief hearing the plan is simple and more straight forward.

 

Today, you have to spend years studying taxes to hold a basic tax job. 

And still, 10 different accountants can each have a different situation to approach taxes. Why are we making taxes so complicated all the time? There's a problem here.

 

Here's a simple explanation to a very simple plan.

 

The 3 Big Keys To Understand What Trump Is Suggesting In The New Tax Plan:

 

1. This tax plan would reduce income tax brackets down to three unique brackets.

 

2. The plan would repeal the estate tax. 

 

3. The plan would cut the tax on businesses to 15%.(Currently at 40%.)

 

(If you want further explanations on what this means the audio file from the show expands on this at 3:40 - Listen above.)

father-2212101_1280.jpg

 

Maybe that doesn't Sound that simple, yet. 

Here's what it means for your finances.

 

Most businesses will see an 11% drop in the taxes they pay. 

The belief is that if the United States dramatically reduces business taxes, businesses will hire more people and an increased amount of jobs will come back to the U.S.

While businesses/business owners will see an immediate benefit, if you are working in a job getting a W2, you probably won't see a big change. You'll likely be in the same bracket you are in now.

 

The Flip Side: By cutting taxes, The country's revenue is decreasing which means we are growing our national deficit.
 

This is true - we are spending money we don't have but, we can't solve the national deficit by being the highest taxed country in the world. More than 50% of our country's budget goes toward government programs that nobody is willing to touch.
 

Legislative changes are coming and this is where the tax plan impacts you the most.

because There is more to come...

 
post-it-notes-1284667_1280.jpg

Your Personal Financial Plan & The Legislative Changes That Are Coming...

 

There is a BIGGER takeaway than wrapping your head around the new tax plan.
 

Today's successful financial planners will build in flexibility.

 

Legislative changes will come along and change the whole picture of financial planning. This tax plan is a good change and it still will impact how you plan for the future.

A lot of you have spent a lot of time and money in creating a financial portfolio that may suddenly be obsolete or dramatically changed.

 

Even now, congress is talking about doing away with pre-taxed 401K contributions. 

 

You have to build a plan that works if the legislation stays the same and will continue to work even if legislation changes.

 

bar-1851114_1280.jpg

Now, What Do You Do Next?
 

We know there are significant changes coming.

Ask yourself, "Is your financial portfolio ready for dynamic changes in legislation?"

 

If you want to grab a coffee, jump on skype or have a phone conversation with a professional personal financial planner, our team would love to give you honest feedback.

We love to to review financial plans and help individuals and families  be prepared for tax changes and larger scope legislation shifts. Our goal is to help people enjoy their life more and focus less on the worry around money.

Reach out below to begin a conversation.

 

Learn More About Having Confidence In My PlanAsk A Question

]]> Trump's Tax Plan Made Simple - Here Is Everything You Need to Know Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:13:11 A few things about Trump's tax plan stand out. Here are 3 main keys to understanding how it impacts your financial future and personal savings plan. A few things about Trump's tax plan stand out. Here are 3 main keys to understanding how it impacts your financial future and personal savings plan. no full 17 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:58fffc12440243b85ba49671 How To Eliminate Money Stress & Enjoy More of Life's Moments If you are stressed to make it month to month on your income, or you just are on the spectrum of worry and want some advice, this two-step solution will bring you immediate peace of mind.

This is how I, Chris Burns and More Than Money, advise my clients to eliminate financial stress and live a better quality of life.

 

 

Sometimes it just helps to hear someone else's story that you can identify with who is willing to say that life can be hard.

 

I recently met with a couple by every appearance was successful, but then they bared all and very openly shared their financial struggles.

 

pexels-photo-175734.jpeg

This client's story may feel too real to many of you.

They are the couple that appeared to have it all.

He had a great job.
They had a great family.
They had sent their kids to college.
They had a beautiful home.
They even had money in retirement savings.

By every outward aspect, they looked like they were living the dream.

 

But, listen to the wife's words from when I recently sat down in their kitchen together.
 

 

"We've been married for more than 30 years. But, we have been stressed over our finances every single month.

We're constantly worried.

We've almost lost our marriage because of the stress we feel. We're desperate."

 

Some of you know that when you go home you'll have a fight about money... AGAIN! It's tireless and overwhelming.

How can you break out of that cycle!?! Is there hope?
 

Yes, you can break the crushing financial cycle of stress.

 

pexels-photo-173295.jpeg

 

If you are stressed all the time or you're  on the spectrum of being worried at all during your month, this is how you can live with financial peace.

 

Here's what every family is ready for:

 

First Step - Build A Liquid Emergency Fund

 

You have to lay a foundation first. 
 

Now, cue the collective gasp. Yes. I'm a retirement planner telling you you're not ready for retirement planning.

Before you put a dollar into your savings and 401K, you have to fund an immediate account for when life happens. This needs to be liquid (accessible) money. 

 

Your plan for the future can't be wrecked by life happening.
 

Having money ready to access in an emergency fund, will keep you focused on your plan. Emergency funds should be three months of income. It's a lot of money - I know. It's essential to grow your retirement in the long-run.

 

 

CAN YOU BELIEVE THIS? A recently published research study uncovered that 25% of individuals reporting between $100,000 - $125,000 annual net salary couldn't afford to pay for a $2,000 emergency.

 

 

If you are somebody who is putting money into retirement savings but are still stressed about your future that most likely means you haven't laid the proper groundwork to actually focus on your retirement savings yet.

 

Step 2 - Grow Your Money But Keep It Within Reach

 

Now that you have a 3-month emergency fund of liquid funds, it's time you build savings that are also liquid. 
 

Savings in a ROTH IRA are fully liquid and you can access it whenever you want. The growth of a ROTH IRA account however, you can't access but if you need to pull out money for any reason of what you are depositing - you can! 
 

Here lies your buffer for life and your biggest tool to living without worry.

Now, the next crisis won't break you. You can wake up tomorrow feeling confident in your financial security.

 

startup-photos (1).jpg

That's It - All You Need For More Peace In Your Life
 

No, you won't suddenly make more money, but you'll change the way you save it.

This two-step plan will work for any family and any budget.

If you think you can't make this work, or it's not possible for your unique situation... **you're wrong. **

These are the first two steps I advise all of my clients to set up their personal finances. This creates the freedom and flexibility to reach your investment goals and stop worrying through life.

 

Do You Still Feel Overwhlemed?

 

I'll personally show you how you can live differently and remove the stress from your life. This is what we do and bringing more joy to your life is invaluable. **Don't worry another month away, but take the steps to live with peace. **

The steps that come after these are for individuals that really want to focus on reaching financial dreams from three years to thirty years from now. If you would like to talk about a strategy that fits your goals, let's jump on a call or meet for coffee.

 

Ask A Quick Money Question NowI Have Dreams For The Future I Want To REach

]]> Thu, 27 Apr 2017 09:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/how-to-eliminate-money-stress-enjoy-more-a36d5043 If you are stressed to make it month to month on your income, or you just are on the spectrum of worry and want some advice, this two-step solution will bring you immediate peace of mind.

This is how I, Chris Burns and More Than Money, advise my clients to eliminate financial stress and live a better quality of life.

 

 

Sometimes it just helps to hear someone else's story that you can identify with who is willing to say that life can be hard.

 

I recently met with a couple by every appearance was successful, but then they bared all and very openly shared their financial struggles.

 

pexels-photo-175734.jpeg

This client's story may feel too real to many of you.

They are the couple that appeared to have it all.

He had a great job.
They had a great family.
They had sent their kids to college.
They had a beautiful home.
They even had money in retirement savings.

By every outward aspect, they looked like they were living the dream.

 

But, listen to the wife's words from when I recently sat down in their kitchen together.
 

 

"We've been married for more than 30 years. But, we have been stressed over our finances every single month.

We're constantly worried.

We've almost lost our marriage because of the stress we feel. We're desperate."

 

Some of you know that when you go home you'll have a fight about money... AGAIN! It's tireless and overwhelming.

How can you break out of that cycle!?! Is there hope?
 

Yes, you can break the crushing financial cycle of stress.

 

pexels-photo-173295.jpeg

 

If you are stressed all the time or you're  on the spectrum of being worried at all during your month, this is how you can live with financial peace.

 

Here's what every family is ready for:

 

First Step - Build A Liquid Emergency Fund

 

You have to lay a foundation first. 
 

Now, cue the collective gasp. Yes. I'm a retirement planner telling you you're not ready for retirement planning.

Before you put a dollar into your savings and 401K, you have to fund an immediate account for when life happens. This needs to be liquid (accessible) money. 

 

Your plan for the future can't be wrecked by life happening.
 

Having money ready to access in an emergency fund, will keep you focused on your plan. Emergency funds should be three months of income. It's a lot of money - I know. It's essential to grow your retirement in the long-run.

 

 

CAN YOU BELIEVE THIS? A recently published research study uncovered that 25% of individuals reporting between $100,000 - $125,000 annual net salary couldn't afford to pay for a $2,000 emergency.

 

 

If you are somebody who is putting money into retirement savings but are still stressed about your future that most likely means you haven't laid the proper groundwork to actually focus on your retirement savings yet.

 

Step 2 - Grow Your Money But Keep It Within Reach

 

Now that you have a 3-month emergency fund of liquid funds, it's time you build savings that are also liquid. 
 

Savings in a ROTH IRA are fully liquid and you can access it whenever you want. The growth of a ROTH IRA account however, you can't access but if you need to pull out money for any reason of what you are depositing - you can! 
 

Here lies your buffer for life and your biggest tool to living without worry.

Now, the next crisis won't break you. You can wake up tomorrow feeling confident in your financial security.

 

startup-photos (1).jpg

That's It - All You Need For More Peace In Your Life
 

No, you won't suddenly make more money, but you'll change the way you save it.

This two-step plan will work for any family and any budget.

If you think you can't make this work, or it's not possible for your unique situation... **you're wrong. **

These are the first two steps I advise all of my clients to set up their personal finances. This creates the freedom and flexibility to reach your investment goals and stop worrying through life.

 

Do You Still Feel Overwhlemed?

 

I'll personally show you how you can live differently and remove the stress from your life. This is what we do and bringing more joy to your life is invaluable. **Don't worry another month away, but take the steps to live with peace. **

The steps that come after these are for individuals that really want to focus on reaching financial dreams from three years to thirty years from now. If you would like to talk about a strategy that fits your goals, let's jump on a call or meet for coffee.

 

Ask A Quick Money Question NowI Have Dreams For The Future I Want To REach

]]> How To Eliminate Money Stress & Enjoy More of Life's Moments Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:11:25 If you are stressed to make it month to month on your income, or you just are on the spectrum of worry and want some advice, this two-step solution will bring you immediate peace of mind. If you are stressed to make it month to month on your income, or you just are on the spectrum of worry and want some advice, this two-step solution will bring you immediate peace of mind. no full 15 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:58ff7fda197aea4f7f3546e5 Is social security going to be there when you reach retirement?  

Is social security going to be there when you reach retirement? This is easily one of the most common questions I get when I meet with clients.

The data on this is scary. The social security trust fund is in massive trouble.

 

pexels-photo-173376.jpeg

Social Security Is In Big Trouble

We have 32 trillion dollars in unfunded liabilities and it will be exhausted by 2034. When that goes away we are relying on tax dollars. 

Something is going to have to give.
 

No matter what ends up happening, we know social security is going to change. It has to. 

It's our job to be ready regardless of what social security looks like because you cannot plan for the current scenario to remain true when you reach retirement.
 

pexels-photo-103520.jpeg

To replace social security in your plan, you have to understand its full benefits.
 

What does social security do for your retirement planning? 

 

Most importantly it guarantees you income every month.

Now, to account for a plan without social security, you must find a way to secure guaranteed income.

 

You can create guaranteed income if you are able to create a pension that isn't tied to the market or social security.

Of course every personal financial plan is different, but there are situations where a portion of your money can go toward an immediate annuity (aka. an income annuity.)
 

There are lots of types of annuities, but this guarantees you a life-time income.

 

This creates liquid funds for when life happens, and give you peace that exists outside of market performance.

Bottom line: You have to look into different ways to access guaranteed income, because social security isn't going to be the same tomorrow as it is today.
 

Some popular options to create income outside of social security include:

  • Income Annuities
  • Rental Property Income
  • Dividends

 

You can't rely on money in the market. 

You can't rely on social security.

You have to have a plan that creates income.

 

pexels-photo-375880.jpeg

 

Your retirement shouldn't be full of anxiety. That isn't why you are working so hard today.

 

Do you have diversified income as part of your financial plan for retirement? If not, you need to find ways to create income outside of social security.

 

I'd love to talk about your plan for income and how easy it is to have a plan that gives you financial peace.
 

You deserve to have confidence in your plan and know that you have multiple options to help you reach the retirement of your dreams.

]]> Wed, 26 Apr 2017 09:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/is-social-security-going-to-be-there-a8c4074c  

Is social security going to be there when you reach retirement? This is easily one of the most common questions I get when I meet with clients.

The data on this is scary. The social security trust fund is in massive trouble.

 

pexels-photo-173376.jpeg

Social Security Is In Big Trouble

We have 32 trillion dollars in unfunded liabilities and it will be exhausted by 2034. When that goes away we are relying on tax dollars. 

Something is going to have to give.
 

No matter what ends up happening, we know social security is going to change. It has to. 

It's our job to be ready regardless of what social security looks like because you cannot plan for the current scenario to remain true when you reach retirement.
 

pexels-photo-103520.jpeg

To replace social security in your plan, you have to understand its full benefits.
 

What does social security do for your retirement planning? 

 

Most importantly it guarantees you income every month.

Now, to account for a plan without social security, you must find a way to secure guaranteed income.

 

You can create guaranteed income if you are able to create a pension that isn't tied to the market or social security.

Of course every personal financial plan is different, but there are situations where a portion of your money can go toward an immediate annuity (aka. an income annuity.)
 

There are lots of types of annuities, but this guarantees you a life-time income.

 

This creates liquid funds for when life happens, and give you peace that exists outside of market performance.

Bottom line: You have to look into different ways to access guaranteed income, because social security isn't going to be the same tomorrow as it is today.
 

Some popular options to create income outside of social security include:

  • Income Annuities
  • Rental Property Income
  • Dividends

 

You can't rely on money in the market. 

You can't rely on social security.

You have to have a plan that creates income.

 

pexels-photo-375880.jpeg

 

Your retirement shouldn't be full of anxiety. That isn't why you are working so hard today.

 

Do you have diversified income as part of your financial plan for retirement? If not, you need to find ways to create income outside of social security.

 

I'd love to talk about your plan for income and how easy it is to have a plan that gives you financial peace.
 

You deserve to have confidence in your plan and know that you have multiple options to help you reach the retirement of your dreams.

]]> Is social security going to be there when you reach retirement? Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:12:27 This is easily one of the most common questions I get when I meet with clients.The data on this is scary. The social security trust fund is in massive trouble. This is easily one of the most common questions I get when I meet with clients.The data on this is scary. The social security trust fund is in massive trouble. no full 14 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:58ff78979f745626215d14c2 When Is The Right Time for Safe Money Amidst High Political Tension? This is the highest level of intensity we've seen in over a decade. From North Korea to Russia, to Iran the market is forced to respond. But, what does that mean for your personal finances and staying on track to reach your investment goals?

We break down the number one key to financially succeeding during this volatile season in this episode of More Than Money.

 

 

When volatility looks to be on the horizon, we see people shovel money from "risky" assets like stock into safer things like gold, bonds, treasuries etc. And no surprise... it's happening again.

 

So, should you look to move your investments to "safe money"?

 

You'll hate my answer but, "Yes and No."

 

pexels-photo-337142.jpeg

 

Here's why it's both, and it depends on your situation:

 

Before I can advise you on what to do you have to know how much risk you are taking.

Understanding your risk is the first step.
 

If you can't say at how you are invested you need to look right now. Before even finishing this blog. This is essential to your success.

 

pexels-photo-70292.jpeg

 

Maybe you understand your risk and you're still wanting to move to safer money. We understand the temptation but read this first.

 

This is exactly what we call market timing. And, honestly, it doesn't work.
 

Market timing will make you feel good immediately, and leave you full of regret in the long term.

 

Back in November, we were sitting on the second longest bull market in history and all the market indicators predicted a stock market tank if Donald Trump were to become the next president. 
 

But, out of all the client calls I received on the election day, I had one client who didn't reach out to me in haste. He told me I could share his story of him reacting on his own accord.

 

pexels-photo-24406.jpg

 

One of my clients decided to go against my advising and change his 401K allocation. Here's what happened...

 

He was embarrassed to admit it to me because we had the discussion before. 
 

He adjusted everything to be super conservative and he sold a lot of his stock to go into safe money and missed a HUGE chunk of growth forcing him to buy back in at a higher level.

 

Honestly, how often has everybody predicted the market and it hasn't been true?

 

Market timing is a dangerous game the will land you in the middle of trouble.

 

The reason you should look at your allocations is not because we believe in market timing, but it is because we have to live in a place that matches your risk tolerance.

 

Financial success isn't about hitting big on a feeling. It's about being in a great position to succeed no matter what happens in the market.

 

Market timing loses consistently. Strong planning will win every time.

If you have not looked at your portfolio you need to make changes. NOW.

 

The key to being financially successful is knowing your risk tolerance and making every decision based on the amount of risk you can handle.

 

I Don't Know My Risk ToleranceI Have a Question + I Want Confidence In My Financail Plan

]]> Tue, 25 Apr 2017 17:27:55 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/when-is-the-right-time-for-safe-money-126340dd This is the highest level of intensity we've seen in over a decade. From North Korea to Russia, to Iran the market is forced to respond. But, what does that mean for your personal finances and staying on track to reach your investment goals?

We break down the number one key to financially succeeding during this volatile season in this episode of More Than Money.

 

 

When volatility looks to be on the horizon, we see people shovel money from "risky" assets like stock into safer things like gold, bonds, treasuries etc. And no surprise... it's happening again.

 

So, should you look to move your investments to "safe money"?

 

You'll hate my answer but, "Yes and No."

 

pexels-photo-337142.jpeg

 

Here's why it's both, and it depends on your situation:

 

Before I can advise you on what to do you have to know how much risk you are taking.

Understanding your risk is the first step.
 

If you can't say at how you are invested you need to look right now. Before even finishing this blog. This is essential to your success.

 

pexels-photo-70292.jpeg

 

Maybe you understand your risk and you're still wanting to move to safer money. We understand the temptation but read this first.

 

This is exactly what we call market timing. And, honestly, it doesn't work.
 

Market timing will make you feel good immediately, and leave you full of regret in the long term.

 

Back in November, we were sitting on the second longest bull market in history and all the market indicators predicted a stock market tank if Donald Trump were to become the next president. 
 

But, out of all the client calls I received on the election day, I had one client who didn't reach out to me in haste. He told me I could share his story of him reacting on his own accord.

 

pexels-photo-24406.jpg

 

One of my clients decided to go against my advising and change his 401K allocation. Here's what happened...

 

He was embarrassed to admit it to me because we had the discussion before. 
 

He adjusted everything to be super conservative and he sold a lot of his stock to go into safe money and missed a HUGE chunk of growth forcing him to buy back in at a higher level.

 

Honestly, how often has everybody predicted the market and it hasn't been true?

 

Market timing is a dangerous game the will land you in the middle of trouble.

 

The reason you should look at your allocations is not because we believe in market timing, but it is because we have to live in a place that matches your risk tolerance.

 

Financial success isn't about hitting big on a feeling. It's about being in a great position to succeed no matter what happens in the market.

 

Market timing loses consistently. Strong planning will win every time.

If you have not looked at your portfolio you need to make changes. NOW.

 

The key to being financially successful is knowing your risk tolerance and making every decision based on the amount of risk you can handle.

 

I Don't Know My Risk ToleranceI Have a Question + I Want Confidence In My Financail Plan

]]> When Is The Right Time for Safe Money Amidst High Political Tension? Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:12:16 This is the highest level of intensity we've seen in over a decade, but what does that mean for your personal finances and staying on track to reach your investment goals? This is the highest level of intensity we've seen in over a decade, but what does that mean for your personal finances and staying on track to reach your investment goals? no full 13 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:58f82b8846c3c4272ac1cdbd The Right Investment To Win In The Long Run (I LOVE BEING RIGHT) Oh man. Is there a better feeling than finding out you're right? The answer is yes. Because in this case it's helped hundreds of my clients and now not only am I right but also they get to reap the rewards.
 

I'm referring to a 15-years study that broke this week and released years of data looking at mutual funds and their cost and benefits.
 

This is HUGE because the far majority of my clients have 401K's composed of mutual funds and some simple, small changes will equal BIG long-term rewards.

 

(I apologize for the cheesy walking-on-a-path-fading-in-the-distance investment metaphor photo.)

(I apologize for the cheesy walking-on-a-path-fading-in-the-distance investment metaphor photo.)

 

First off financial basics. What are mutual funds? And am I invested in them?

 

Obviously, we haven't met, but yes. Most people are invested in mutual funds. 

Mutual funds are a grouped collection of stocks.

The thinking is simple: rather than investing in one company's success in the stock market, mutual funds allow you to diversify your portfolio and spread your investment/risk across many companies.

but There's been a debate in the investment world between financial nerds over the years arguing if active mutual funds or passive mutual funds (index funds) yield the stronger return for clients.

The debate is finally over. There is proof.

 

pexels-photo-46057.jpeg

 

A Deeper Look Before The Big Mutual Fund Reveal

 

On The One Hand, You Have Active Mutual Funds

Active mutual funds have professional investors on the payroll with the responsibility of choosing what to invest in and picking stocks they have researched. Real humans making your investment decisions.

On The Other Hand, You Have Passive Mutual Funds (Index Funds)

Passive mutual funds track a market index like the SMP 500 to buy and sell stocks without having to pay the salaries of professional. It's essentially a computer that runs algorithms to invest your money.

 

A 15-year study just cemented which mutual fund investment is best... and it is... 

pexels-photo-46057.jpeg

The Passive Mutual Funds!

 

Passive Mutual Funds are the way to go. They win far more often over time (plus, they cost less.) 

 

The study showed that 82% of the top active funds trailed the passive benchmarks.

Many people are invested in active funds. Are you?

 

If your 401K investment is tracking an index it is passive - you're good.

 

If your 401K investment reads "Large Cap A" or "Mid Cap A" it is active - you need to run.

 

The financial nerds found proof that it costs more to invest in active mutual funds and it actually is not near as successful. 

It feels pretty great to see a long-term study support what we continual advise our partners. Now to stop patting our backs and see how we can help more people like you.
 

Be sure you know exactly what you are paying for and why you are paying it! your 401k may need to be adjusted.

 

]]> Thu, 20 Apr 2017 09:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/the-right-investment-to-win-in-the-long-362e5904 Oh man. Is there a better feeling than finding out you're right? The answer is yes. Because in this case it's helped hundreds of my clients and now not only am I right but also they get to reap the rewards.
 

I'm referring to a 15-years study that broke this week and released years of data looking at mutual funds and their cost and benefits.
 

This is HUGE because the far majority of my clients have 401K's composed of mutual funds and some simple, small changes will equal BIG long-term rewards.

 

(I apologize for the cheesy walking-on-a-path-fading-in-the-distance investment metaphor photo.)

(I apologize for the cheesy walking-on-a-path-fading-in-the-distance investment metaphor photo.)

 

First off financial basics. What are mutual funds? And am I invested in them?

 

Obviously, we haven't met, but yes. Most people are invested in mutual funds. 

Mutual funds are a grouped collection of stocks.

The thinking is simple: rather than investing in one company's success in the stock market, mutual funds allow you to diversify your portfolio and spread your investment/risk across many companies.

but There's been a debate in the investment world between financial nerds over the years arguing if active mutual funds or passive mutual funds (index funds) yield the stronger return for clients.

The debate is finally over. There is proof.

 

pexels-photo-46057.jpeg

 

A Deeper Look Before The Big Mutual Fund Reveal

 

On The One Hand, You Have Active Mutual Funds

Active mutual funds have professional investors on the payroll with the responsibility of choosing what to invest in and picking stocks they have researched. Real humans making your investment decisions.

On The Other Hand, You Have Passive Mutual Funds (Index Funds)

Passive mutual funds track a market index like the SMP 500 to buy and sell stocks without having to pay the salaries of professional. It's essentially a computer that runs algorithms to invest your money.

 

A 15-year study just cemented which mutual fund investment is best... and it is... 

pexels-photo-46057.jpeg

The Passive Mutual Funds!

 

Passive Mutual Funds are the way to go. They win far more often over time (plus, they cost less.) 

 

The study showed that 82% of the top active funds trailed the passive benchmarks.

Many people are invested in active funds. Are you?

 

If your 401K investment is tracking an index it is passive - you're good.

 

If your 401K investment reads "Large Cap A" or "Mid Cap A" it is active - you need to run.

 

The financial nerds found proof that it costs more to invest in active mutual funds and it actually is not near as successful. 

It feels pretty great to see a long-term study support what we continual advise our partners. Now to stop patting our backs and see how we can help more people like you.
 

Be sure you know exactly what you are paying for and why you are paying it! your 401k may need to be adjusted.

 

]]> The Right Investment To Win In The Long Run (I LOVE BEING RIGHT) Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:10:55 This is HUGE because the far majority of my clients have 401K's composed of mutual funds and some simple, small changes will equal BIG long-term rewards. This is HUGE because the far majority of my clients have 401K's composed of mutual funds and some simple, small changes will equal BIG long-term rewards. no full 11 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:58f55add579fb37c1ca773a3 Uncertainty In The World. Confidence In Your Personal Finances How does dropping the largest non-nuclear bomb in U.S. history impact your finances? Let's get practical and look at what you need to know and how you can best respond.

 

 

A quick recap of the huge global news happening over the past weeks!

  • There is incredible tension in Russia because of the U.S. bombings in Syria. 
  • The tension between the United States and North Korea continues as North Korea experiments with their nuclear capabilities. 
  • Trump has met with China, and he continues to say that the U.S. is willing to consider military action in North Korea if nuclear testing proceeds.

On multiple fronts, there is tension and possible military action looming. Let's get practical with how this impacts you and your financial future.

 

pexels-photo-218971.jpeg

 

But after last Thursday's massive bomb drop, we saw only a SMALL market drop. How will the global landscape impact my financial future?

 

There were only small changes to the market, but where we did see a significant difference is the volatility index.

 

The volatility index measures the concern of the market and its certainty within the next 30 days. 

 

The volatility index spiked 27% last week. There are concerns, but nothing concrete has happened, yet.

That reality creates a lot of uncertainty. 

What can you do to bring peace to your finances and conqueror uncertainty?

 

Here's what I see most often:

When people feel uncertainty, it's easy to be reactive. High tension can lead to big impulse decisions.

If there is a drop in the market over the next 30-days, your knee-jerk reaction may be to pull your money out in response, but you can't act emotionally.

 

Reactive decisions will only hurt you in the long run!

 

pexels-photo-300122.jpeg

 

The best thing you can do is to immediately create a plan that is prepared for a drop.

 

If you knew right now that the drop in the market would hit in 3-weeks what would you change about your portfolio?

 

I met with William. We did an MRI to deeply measure his amount of risk and exposure. After we did this, we learned if the drop would have hit he would have lost a significant amount of his portfolio.

 

We moved William down to about 60% in stocks but needed 40% to be safer.

William immediately felt more confident in his financial plan.

 

But, then we took it a step further. This is where not only William lives with peace of mind today but also has a plan that gives him confidence in his future.

 

William and our team set up a plan to regularly rebalance his portfolio. Now, no change in the market will impact the likelihood of him reaching his dreams for the future.

 

How do you feel about your future? Are you more like William before our conversation or after when he had full financial confidence in his plan?

 

These big headlines point towards big volatility in the market. Be ready.

]]> Tue, 18 Apr 2017 09:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/uncertainty-in-the-world-confidence-in-ff75c33e How does dropping the largest non-nuclear bomb in U.S. history impact your finances? Let's get practical and look at what you need to know and how you can best respond.

 

 

A quick recap of the huge global news happening over the past weeks!

  • There is incredible tension in Russia because of the U.S. bombings in Syria. 
  • The tension between the United States and North Korea continues as North Korea experiments with their nuclear capabilities. 
  • Trump has met with China, and he continues to say that the U.S. is willing to consider military action in North Korea if nuclear testing proceeds.

On multiple fronts, there is tension and possible military action looming. Let's get practical with how this impacts you and your financial future.

 

pexels-photo-218971.jpeg

 

But after last Thursday's massive bomb drop, we saw only a SMALL market drop. How will the global landscape impact my financial future?

 

There were only small changes to the market, but where we did see a significant difference is the volatility index.

 

The volatility index measures the concern of the market and its certainty within the next 30 days. 

 

The volatility index spiked 27% last week. There are concerns, but nothing concrete has happened, yet.

That reality creates a lot of uncertainty. 

What can you do to bring peace to your finances and conqueror uncertainty?

 

Here's what I see most often:

When people feel uncertainty, it's easy to be reactive. High tension can lead to big impulse decisions.

If there is a drop in the market over the next 30-days, your knee-jerk reaction may be to pull your money out in response, but you can't act emotionally.

 

Reactive decisions will only hurt you in the long run!

 

pexels-photo-300122.jpeg

 

The best thing you can do is to immediately create a plan that is prepared for a drop.

 

If you knew right now that the drop in the market would hit in 3-weeks what would you change about your portfolio?

 

I met with William. We did an MRI to deeply measure his amount of risk and exposure. After we did this, we learned if the drop would have hit he would have lost a significant amount of his portfolio.

 

We moved William down to about 60% in stocks but needed 40% to be safer.

William immediately felt more confident in his financial plan.

 

But, then we took it a step further. This is where not only William lives with peace of mind today but also has a plan that gives him confidence in his future.

 

William and our team set up a plan to regularly rebalance his portfolio. Now, no change in the market will impact the likelihood of him reaching his dreams for the future.

 

How do you feel about your future? Are you more like William before our conversation or after when he had full financial confidence in his plan?

 

These big headlines point towards big volatility in the market. Be ready.

]]> Uncertainty In The World. Confidence In Your Personal Finances Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:11:54 If there is a drop in the market over the next 30-days, your knee-jerk reaction may be to pull your money out in response, but you can't act emotionally. If there is a drop in the market over the next 30-days, your knee-jerk reaction may be to pull your money out in response, but you can't act emotionally. no full 10 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:58eec95ba5790ae0b25c22cf Know This Before You Borrow Against Your 401k Sure you are paying interest to yourself by taking a loan out this way, but there is a lot more to consider than that one positive.

A 401k loan is not "free money" and here's everything you need to know before you pull out a loan.

  pexels-photo-292427.jpeg

 

When you pull money from your 401K you are taking tax-deferred long-term compound growth and stopping your growth.

In really simple terms, 401k loans are not good loans.

They are different from collateralized loans (Think home equity).

If a collateralized loan functioned like a 401k loan the bank would come and break apart a room from your house and you would never get it back. There are significant losses.
 

You have to consider the bigger picture of how much borrowing against your 401k hurts your long-term growth.

 

Step back and evaluate how a 401k loan impacts everything you're doing.

Look at your whole life.

Loans, savings, insurance and goals all have to be considered before puling your money out from a 401k loan.

]]> Fri, 14 Apr 2017 09:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/know-this-before-you-borrow-against-your-e2baf8aa Sure you are paying interest to yourself by taking a loan out this way, but there is a lot more to consider than that one positive.

A 401k loan is not "free money" and here's everything you need to know before you pull out a loan.

  pexels-photo-292427.jpeg

 

When you pull money from your 401K you are taking tax-deferred long-term compound growth and stopping your growth.

In really simple terms, 401k loans are not good loans.

They are different from collateralized loans (Think home equity).

If a collateralized loan functioned like a 401k loan the bank would come and break apart a room from your house and you would never get it back. There are significant losses.
 

You have to consider the bigger picture of how much borrowing against your 401k hurts your long-term growth.

 

Step back and evaluate how a 401k loan impacts everything you're doing.

Look at your whole life.

Loans, savings, insurance and goals all have to be considered before puling your money out from a 401k loan.

]]> Know This Before You Borrow Against Your 401k Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:07:53 401k loan is not "free money" and here's everything you need to know before you pull out a loan. 401k loan is not "free money" and here's everything you need to know before you pull out a loan. no full 9 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:58ed9a6003596e0fc4f5da58 The Banks Are Brilliant To Trick People This Way Stop waiting.

Don't let this special offer go away. 

Banks are pulling out all the advertising stunts they can to open more savings accounts and CD's, but it's at your expense. 

If you are looking for long-term saving solutions listen to find out why there are better solutions.

 
  pexels-photo-210585.jpeg

 

Banks Are Advertising CD's Like They Are What Your Retirement Dreams Are Made From

 

You likely already have a checking account with your bank so when they offered you a certificate of deposit or savings account you agreed.

Obviously, you want to save your money, right - why not do it all in one place?

I was in the bank this week and saw a sign I couldn't believe. What hit me hardest is knowing so many people believe the ad to be true without knowing better options.

 

A print ad sign said "Great rates to help you get your savings going." selling a five-year CD.

 

WHAT?!? You can earn 1,000x more investing that money better places.

Banks are scaring people into opening CD's and saving accounts!! 

 

pexels-photo-103520.jpeg

 

What rate do you get on your CD? 2%.

What is the historical reality of inflation? 3%.

If you are taking this "GREAT" deal... you are losing money every year!

 

Banks Are Scaring You To Park Your Money With Them! And It's Working...

 

You don't need anything more than an emergency fund in a bank. (3 months of income)

 

CD's have a place in retirement plans, but they way banks are selling them is taking advantage of people! Look at its limitations 1. you can't access your money when you want it and 2. you are earning less than 1% interest on it when you could be earning so much more!

If it's so bad, then why is this working in so many banks? Well, it's important to remember how those bank employees are incentivized. The more accounts they open, the better reward they get.

It's a rewards incentive campaign so they can manage and disperse more of YOUR money.

 

You have to beat inflation over time and CD's won't cut it.

 

pexels-photo-202660.jpeg

 

Your plan may include CD's but don't buy into this BIG promotional push to be the savior of retirement plans everywhere.

Friends, don't believe it! Think first.

If you ever think an advertisement or promotion you see has a different motivation or isn't telling the whole story, give me a call for honest feedback and advice. I'll return your call as soon as possible and give you good, trustworthy financial advice.

 

]]> Wed, 12 Apr 2017 09:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/the-banks-are-brilliant-to-trick-people-68152b86 Stop waiting.

Don't let this special offer go away. 

Banks are pulling out all the advertising stunts they can to open more savings accounts and CD's, but it's at your expense. 

If you are looking for long-term saving solutions listen to find out why there are better solutions.

 
  pexels-photo-210585.jpeg

 

Banks Are Advertising CD's Like They Are What Your Retirement Dreams Are Made From

 

You likely already have a checking account with your bank so when they offered you a certificate of deposit or savings account you agreed.

Obviously, you want to save your money, right - why not do it all in one place?

I was in the bank this week and saw a sign I couldn't believe. What hit me hardest is knowing so many people believe the ad to be true without knowing better options.

 

A print ad sign said "Great rates to help you get your savings going." selling a five-year CD.

 

WHAT?!? You can earn 1,000x more investing that money better places.

Banks are scaring people into opening CD's and saving accounts!! 

 

pexels-photo-103520.jpeg

 

What rate do you get on your CD? 2%.

What is the historical reality of inflation? 3%.

If you are taking this "GREAT" deal... you are losing money every year!

 

Banks Are Scaring You To Park Your Money With Them! And It's Working...

 

You don't need anything more than an emergency fund in a bank. (3 months of income)

 

CD's have a place in retirement plans, but they way banks are selling them is taking advantage of people! Look at its limitations 1. you can't access your money when you want it and 2. you are earning less than 1% interest on it when you could be earning so much more!

If it's so bad, then why is this working in so many banks? Well, it's important to remember how those bank employees are incentivized. The more accounts they open, the better reward they get.

It's a rewards incentive campaign so they can manage and disperse more of YOUR money.

 

You have to beat inflation over time and CD's won't cut it.

 

pexels-photo-202660.jpeg

 

Your plan may include CD's but don't buy into this BIG promotional push to be the savior of retirement plans everywhere.

Friends, don't believe it! Think first.

If you ever think an advertisement or promotion you see has a different motivation or isn't telling the whole story, give me a call for honest feedback and advice. I'll return your call as soon as possible and give you good, trustworthy financial advice.

 

]]> The Banks Are Brilliant To Trick People This Way Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:07:47 I saw an unbelievable sign at the bank. What bothered me is realizing how many people believe the advertisement to be true without knowing the far better options that are 1,000x better and still buy the bank's offer. I saw an unbelievable sign at the bank. What bothered me is realizing how many people believe the advertisement to be true without knowing the far better options that are 1,000x better and still buy the bank's offer. no full 8 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:58ea577937c5819161905a94 Are You Ready for Retirement In The Age of Trump? 3 Things to Know Now What Does It Look Like to Retire And Plan For Retirement During The Trump Presidency? 

 

The game has changed. If you are looking to retire in the next eight years, or if you're in your 50's this so important to your retirement.

 

pexels-photo-62456.jpeg

Here Are 3 Big Must-Know Things That Have Changed About Retirement Today

 

  1. Now, Plans Are  More Important Than Products
     

Your parents and your grandparents played according to different rules for their retirement savings plan. Their realities just aren't true today. 
 

Previous generations relied on financial pensions and rarely touched investments. Can you imagine having a product that guaranteed lifetime income?

 

Because the financial world has changed, anyone retiring in the next few years has to plan to combine multiple products at once.

 

You have to have a plan and a plan that is more than a 401k and/or an IRA. Those things can be a part of a plan but aren't enough to rely on if you want to have the retirement of your dreams.
 

A single financial tool will not cut it anymore.

pexels-photo-26849.jpg

 

2. Interest Rates Are Going Up. Are You Ready For It?

 

How much did your first job pay?

How much did you pay for your first home?

Too many people I talk to don't know how to handle inflation! We are seeing and will continue to see rising inflation rates - so let's learn how to win against it rather than losing money.

Inflation is real and powerful.
 

The market is a great place to beat inflation over time and build in inflation protection.

 

It's important to remember that you can adjust your core income to be sure your money is growing in the market and offset inflation.
 

_ A Common Mistake:  Too often I meet with people trusting Social Security to keep up with inflation. Social Security does account for building in inflation, but it DOES NOT KEEP UP with actual inflation rates._

And friends, as Social Security becomes more and more troubled and budget cuts will be called upon to fix it, the inflation rate adjustment is likely going to be an early victim.

 

3. Your New Retirement Plan Has To Be Able To Handle A Significant Drop In The First Few Years of Retiring

 

All signs give me, and the top financial experts, significant reason to believe a market drop is coming, and the second-longest bull market in history will soon come to an end.
 

Can I predict there will be a drop? No.

 

Can I predict that you absolutely need to be prepared for what I believe is coming? Yes.

 

You might have everything set up correctly, but if you are not bracing for a major drop in the market in today's current times then you may soon be in trouble.

It's time to adjust your risk and the tools you are using to be ready for the market.

 

Retirement Has Changed Under The Trump Administration Has Your Plan Changed?

Our team wants your financial plan to accomplish two major things: 1. Prepare you for the goals you hope to see in life, and 2. Relieve you from all stress now and allow you the freedom to enjoy life today. We believe financial plans should focus on your life today as much as in 30 years.

Reach out to our team if you would like to talk over any of these steps more, ask questions about your financial plan, or to confirm your existing retirement plan doesn't demand any further changes.

Your dreams matter. 

 

Get Peace In Your Finances + Talk To More Than MoneyAsk Any Money Question You want 

]]> Mon, 10 Apr 2017 09:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/are-you-ready-for-retirement-in-the-age-a48f2fd6 What Does It Look Like to Retire And Plan For Retirement During The Trump Presidency? 

 

The game has changed. If you are looking to retire in the next eight years, or if you're in your 50's this so important to your retirement.

 

pexels-photo-62456.jpeg

Here Are 3 Big Must-Know Things That Have Changed About Retirement Today

 

  1. Now, Plans Are  More Important Than Products
     

Your parents and your grandparents played according to different rules for their retirement savings plan. Their realities just aren't true today. 
 

Previous generations relied on financial pensions and rarely touched investments. Can you imagine having a product that guaranteed lifetime income?

 

Because the financial world has changed, anyone retiring in the next few years has to plan to combine multiple products at once.

 

You have to have a plan and a plan that is more than a 401k and/or an IRA. Those things can be a part of a plan but aren't enough to rely on if you want to have the retirement of your dreams.
 

A single financial tool will not cut it anymore.

pexels-photo-26849.jpg

 

2. Interest Rates Are Going Up. Are You Ready For It?

 

How much did your first job pay?

How much did you pay for your first home?

Too many people I talk to don't know how to handle inflation! We are seeing and will continue to see rising inflation rates - so let's learn how to win against it rather than losing money.

Inflation is real and powerful.
 

The market is a great place to beat inflation over time and build in inflation protection.

 

It's important to remember that you can adjust your core income to be sure your money is growing in the market and offset inflation.
 

_ A Common Mistake:  Too often I meet with people trusting Social Security to keep up with inflation. Social Security does account for building in inflation, but it DOES NOT KEEP UP with actual inflation rates._

And friends, as Social Security becomes more and more troubled and budget cuts will be called upon to fix it, the inflation rate adjustment is likely going to be an early victim.

 

3. Your New Retirement Plan Has To Be Able To Handle A Significant Drop In The First Few Years of Retiring

 

All signs give me, and the top financial experts, significant reason to believe a market drop is coming, and the second-longest bull market in history will soon come to an end.
 

Can I predict there will be a drop? No.

 

Can I predict that you absolutely need to be prepared for what I believe is coming? Yes.

 

You might have everything set up correctly, but if you are not bracing for a major drop in the market in today's current times then you may soon be in trouble.

It's time to adjust your risk and the tools you are using to be ready for the market.

 

Retirement Has Changed Under The Trump Administration Has Your Plan Changed?

Our team wants your financial plan to accomplish two major things: 1. Prepare you for the goals you hope to see in life, and 2. Relieve you from all stress now and allow you the freedom to enjoy life today. We believe financial plans should focus on your life today as much as in 30 years.

Reach out to our team if you would like to talk over any of these steps more, ask questions about your financial plan, or to confirm your existing retirement plan doesn't demand any further changes.

Your dreams matter. 

 

Get Peace In Your Finances + Talk To More Than MoneyAsk Any Money Question You want 

]]> Are You Ready for Retirement In The Age of Trump? 3 Things to Know Now Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:15:00 The game has changed. If you are looking to retire in the next eight years, or if you're in your 50's this so important to your retirement. The game has changed. If you are looking to retire in the next eight years, or if you're in your 50's this so important to your retirement. no full 7 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:58e43fb8b3db2b7a7e5983f2 Practical Tax Advice If You Owe Money (Save Now) The absolute worst feeling in the world is writing that tax check. (If you're getting a refund it's another story you need to read.)

 

What if you are paying too much in income taxes?

We share a story of a man I just worked with and the practical tax advice that comes out of that conversation.

  pexels-photo-29158.jpg

If You've Paid Big In Taxes For Years - That's A Red Flag

I just met with a partner recently over lunch. He has owned a business for over a decade. He is doing very well.
 

But, he's missing a ton of tax sheltering! He and his accountant have missed it for years!

 

We jumped on a conference call with his accountant and asked why they've ignored these big cost savings?

Her answer? She thought it put them at a higher risk for an audit.

True, but you can't let the fear of an audit make you avoid deductions that are rightfully yours!

 

pexels-photo (1).jpg

 

He, and maybe you, are giving away thousands of dollars to the IRS that he doesn't need to based on advice from someone who made the decision for him.

 

He didn't even know what was happening to his hard-earned money.

 

There are legal ways to move your money out from taxes.

 

Now, what's your situation?...

pexels-photo-240082.jpeg

Are You Giving Away Too Much on your taxes?

 

Don't write the check until you're absolutely sure you've really looked at your tax return.
 

If you are writing a check every year there, it's time to talk to someone about your options and some creative solutions.

 

I would love to talk practically about your situation. I can give you my advice and even point you to some accountants I respect for confirmation on best plan for savings.

 

Claim your money and sit down with me for a free consultation 

]]> Fri, 7 Apr 2017 09:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond) https://morethanmoney.simplecast.com/episodes/practical-tax-advice-if-you-owe-money-f0bb5f6c The absolute worst feeling in the world is writing that tax check. (If you're getting a refund it's another story you need to read.)

 

What if you are paying too much in income taxes?

We share a story of a man I just worked with and the practical tax advice that comes out of that conversation.

  pexels-photo-29158.jpg

If You've Paid Big In Taxes For Years - That's A Red Flag

I just met with a partner recently over lunch. He has owned a business for over a decade. He is doing very well.
 

But, he's missing a ton of tax sheltering! He and his accountant have missed it for years!

 

We jumped on a conference call with his accountant and asked why they've ignored these big cost savings?

Her answer? She thought it put them at a higher risk for an audit.

True, but you can't let the fear of an audit make you avoid deductions that are rightfully yours!

 

pexels-photo (1).jpg

 

He, and maybe you, are giving away thousands of dollars to the IRS that he doesn't need to based on advice from someone who made the decision for him.

 

He didn't even know what was happening to his hard-earned money.

 

There are legal ways to move your money out from taxes.

 

Now, what's your situation?...

pexels-photo-240082.jpeg

Are You Giving Away Too Much on your taxes?

 

Don't write the check until you're absolutely sure you've really looked at your tax return.
 

If you are writing a check every year there, it's time to talk to someone about your options and some creative solutions.

 

I would love to talk practically about your situation. I can give you my advice and even point you to some accountants I respect for confirmation on best plan for savings.

 

Claim your money and sit down with me for a free consultation 

]]> Practical Tax Advice If You Owe Money (Save Now) Chris Burns - Financial Planning in Atlanta Focused on Life Today & Beyond 00:07:55 So many people miss significant deductions and tax sheltering options. Are you giving away your money every year? Don't write the check until you know your options. So many people miss significant deductions and tax sheltering options. Are you giving away your money every year? Don't write the check until you know your options. no full 6 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:58e1bb71e3df2870d8136d06 How Millennials Are Multiplying Their Money In The Market First a quick snapshot of today's market: Donald Trump's Presidency means the financial market and your money's future is going to experience c hanges - major ups & downs.

 

In financial terms: market volatility is coming.

... and capitalizing on this is key.
 

pexels-photo.jpg

 

Just look at March: we saw a record amount of money flow into the market. 

Then... a drop. And billions of dollars flooded out of the market. 
 

The problem is that's not how to win big earnings. Listen to this practical advice and start growing your wealth stress-free.

 

_Want the quick takeaway? _

Begin listening at 3:00 in the clip above.

 

If you can overcome the swell of emotional financial investing, you will see HUGE growth.

 

When the market drops people run. It's natural and it will never change for the masses, but if you can embrace a different perspective it will mean your financial future will be what you want. Your dreams can be within reach.

 

Here Is The Two-Step Market Strategy To Multiplying Your Money

 

STEP 1. Get A Money-Building Rebel Mindset.

 

You can't adopt this rebellious way of thinking and change back and forth to experience the real growth.

The best earners decide that they are going to buy when everyone else is running away. At the sign of a drop, you have to lean into the same risk that is scaring away the masses.

Drops are coming. And millennials are so early into their retirement planning that they can afford the market adjustments.

Getting advice to do this well is wise. Our team can help you identify the right amount of risk to take and how to invest it strategically for your objectives.

Easy right? Step 1 - commit to buy low and not waiver.

 

photo-booth-wedding-party-girls-160420.jpeg

 

STEP 2. Take Yourself Out of The Equation

 

Automation is your best friend.

This strategy isn't easy in the moment, but there are ways that you can automate all the transactions to your benefit.

Rebalancing is often done once a year. But, More Than Money offers our partners a chance to enroll in automatic buying that occurs quarterly.  

If you are young you have time to use this strategy for HUGE gains!

 

Note: If you are close to retirement this strategy can work, but you have to honestly evaluate your risk tolerance and how much you can afford to lose before retirement.
 

 

It's Hard. It's Unusual. It Absolutely Works.

 

Are you in for counter-thinking market strategy and big rewards?

This strategy isn't fit for all, but for most anyone in their 20's, 30's or 40's - this is the best advice I can give you to start growing your wealth.

Maybe your situation is unique. Or, you have a dream for what your lifestyle will be in 30 years from today. If that is the case, then consider discussing your financial plan one on one.

We love to help individuals in every stage of life reach their financial dreams.

 

Show Me The Best Financial Plan For MeAsk More Than Money Any Question 

]]> Wed, 5 Apr 2017 09:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Founder & Principal Advisor at Investus Financial) https://morethanmoney.simplecast.com/episodes/how-millennials-are-multiplying-their-d05b8d47 First a quick snapshot of today's market: Donald Trump's Presidency means the financial market and your money's future is going to experience c hanges - major ups & downs.

 

In financial terms: market volatility is coming.

... and capitalizing on this is key.
 

pexels-photo.jpg

 

Just look at March: we saw a record amount of money flow into the market. 

Then... a drop. And billions of dollars flooded out of the market. 
 

The problem is that's not how to win big earnings. Listen to this practical advice and start growing your wealth stress-free.

 

_Want the quick takeaway? _

Begin listening at 3:00 in the clip above.

 

If you can overcome the swell of emotional financial investing, you will see HUGE growth.

 

When the market drops people run. It's natural and it will never change for the masses, but if you can embrace a different perspective it will mean your financial future will be what you want. Your dreams can be within reach.

 

Here Is The Two-Step Market Strategy To Multiplying Your Money

 

STEP 1. Get A Money-Building Rebel Mindset.

 

You can't adopt this rebellious way of thinking and change back and forth to experience the real growth.

The best earners decide that they are going to buy when everyone else is running away. At the sign of a drop, you have to lean into the same risk that is scaring away the masses.

Drops are coming. And millennials are so early into their retirement planning that they can afford the market adjustments.

Getting advice to do this well is wise. Our team can help you identify the right amount of risk to take and how to invest it strategically for your objectives.

Easy right? Step 1 - commit to buy low and not waiver.

 

photo-booth-wedding-party-girls-160420.jpeg

 

STEP 2. Take Yourself Out of The Equation

 

Automation is your best friend.

This strategy isn't easy in the moment, but there are ways that you can automate all the transactions to your benefit.

Rebalancing is often done once a year. But, More Than Money offers our partners a chance to enroll in automatic buying that occurs quarterly.  

If you are young you have time to use this strategy for HUGE gains!

 

Note: If you are close to retirement this strategy can work, but you have to honestly evaluate your risk tolerance and how much you can afford to lose before retirement.
 

 

It's Hard. It's Unusual. It Absolutely Works.

 

Are you in for counter-thinking market strategy and big rewards?

This strategy isn't fit for all, but for most anyone in their 20's, 30's or 40's - this is the best advice I can give you to start growing your wealth.

Maybe your situation is unique. Or, you have a dream for what your lifestyle will be in 30 years from today. If that is the case, then consider discussing your financial plan one on one.

We love to help individuals in every stage of life reach their financial dreams.

 

Show Me The Best Financial Plan For MeAsk More Than Money Any Question 

]]> How Millennials Are Multiplying Their Money In The Market Chris Burns - Founder & Principal Advisor at Investus Financial 00:12:10 Here is a two-step market strategy to multiplying your money. If you can learn to overcome the swell of emotional financial investing, you will see HUGE growth. (Note: This is not for all.) Here is a two-step market strategy to multiplying your money. If you can learn to overcome the swell of emotional financial investing, you will see HUGE growth. (Note: This is not for all.) no full 4 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:58e1ad2a29687f5bed1f9a16 Last Week of the DOW Should Teach You This We just saw one of the longest market drops in over a decade. If it would have gone just one more day it would have been the worst we've seen since the 70's. Why did it happen? Trump's failure to pass the health care bill.

But more importantly, what does this point to? And what does it teach you moving forward?

 

 

 

Last week points to one thing: market volatility.

 

The reality is this dip wasn't catastrophic. It was a slight correction and a little drop. But, that won't always be true. 

Are you prepared for how Trump's Presidency will affect the market?

 

Maybe your story is like Barry.

 

Barry and I met a couple years ago. He was in his 60's and nearing retirement. We got along great!

After we met over dinner, discussed his dreams for the future and talked about his portfolio; we agreed to adjust his risk.

We majorly adjusted his risk. 
 

Over 90% of his portfolio was in the market and in a majority of SMP 500.

Barry, like many clients I see today, was confident he was invested in strong companies and not holding a severely aggressive amount of exposure.

But make no mistake it was aggressive. And it was even more of a HUGE risk because of how close he was to nearing retirement.

Remember: this was a couple years ago. Recently, Barry called me again.

He called me and was questioning what we were doing, saying "We're missing out on big growth here."

And the thing is he's right.
 

Barry would have more money in his account if he would have continued to stay aggressive.

 

But, as a person in his 60's, the additional wealth is nowhere near as important as the possible devastation he would feel in his retirement if volatility had struck sooner.

Barry is currently growing his wealth at a rate with a risk-tolerance that matches his goals for the future. Could he be growing his wealth faster? Yes. Is he able to have peace about his future? Yes.

 

pexels-photo (1).jpeg

 

What Are Your Goals for the Future?

 

If your holdings are in equities or stock, you need to immediately address your risk.
 

This week has been a pain-free lesson in market volatility, but the next lecture may not be quite as kind of a teacher.

This is not to scare you but to prepare you.

 

We can determine the precise amount of risk level that benefits you.

 

Our team can offer you a plan that gives you immediate confidence and peace of mind rather than living with stress and worry. Get practical financial advice about your situation by reaching out below.

 

  Learn More About Protecting Your Portfolio + FutureAsk Any Question Now

]]> Mon, 3 Apr 2017 09:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Founder & Principal Advisor at Investus Financial) https://morethanmoney.simplecast.com/episodes/last-week-of-the-dow-should-teach-you-6e9e62e4 We just saw one of the longest market drops in over a decade. If it would have gone just one more day it would have been the worst we've seen since the 70's. Why did it happen? Trump's failure to pass the health care bill.

But more importantly, what does this point to? And what does it teach you moving forward?

 

 

 

Last week points to one thing: market volatility.

 

The reality is this dip wasn't catastrophic. It was a slight correction and a little drop. But, that won't always be true. 

Are you prepared for how Trump's Presidency will affect the market?

 

Maybe your story is like Barry.

 

Barry and I met a couple years ago. He was in his 60's and nearing retirement. We got along great!

After we met over dinner, discussed his dreams for the future and talked about his portfolio; we agreed to adjust his risk.

We majorly adjusted his risk. 
 

Over 90% of his portfolio was in the market and in a majority of SMP 500.

Barry, like many clients I see today, was confident he was invested in strong companies and not holding a severely aggressive amount of exposure.

But make no mistake it was aggressive. And it was even more of a HUGE risk because of how close he was to nearing retirement.

Remember: this was a couple years ago. Recently, Barry called me again.

He called me and was questioning what we were doing, saying "We're missing out on big growth here."

And the thing is he's right.
 

Barry would have more money in his account if he would have continued to stay aggressive.

 

But, as a person in his 60's, the additional wealth is nowhere near as important as the possible devastation he would feel in his retirement if volatility had struck sooner.

Barry is currently growing his wealth at a rate with a risk-tolerance that matches his goals for the future. Could he be growing his wealth faster? Yes. Is he able to have peace about his future? Yes.

 

pexels-photo (1).jpeg

 

What Are Your Goals for the Future?

 

If your holdings are in equities or stock, you need to immediately address your risk.
 

This week has been a pain-free lesson in market volatility, but the next lecture may not be quite as kind of a teacher.

This is not to scare you but to prepare you.

 

We can determine the precise amount of risk level that benefits you.

 

Our team can offer you a plan that gives you immediate confidence and peace of mind rather than living with stress and worry. Get practical financial advice about your situation by reaching out below.

 

  Learn More About Protecting Your Portfolio + FutureAsk Any Question Now

]]> Last Week of the DOW Should Teach You This Chris Burns - Founder & Principal Advisor at Investus Financial 00:08:33 Lat week points to one thing: market volatility. The reality is this dip wasn't catastrophic. It was a slight correction and a little drop. But, that won't always be true. Are you prepared for how Trump's Presidency will affect the market? Lat week points to one thing: market volatility. The reality is this dip wasn't catastrophic. It was a slight correction and a little drop. But, that won't always be true. Are you prepared for how Trump's Presidency will affect the market? no full 3 56d4dc3ae707eb7a02e640cb:56e39428b654f908342a421c:58cf2e4fd482e9f3c6c157ed Exposing The Secret To Your Financial Success (I Hate Gimmicks) I spoke with a man this week who has managed to do the impossible over the last handful of years - lose $100,000. 

The market has been at historic heights. Not many people are losing money on that scale, but then he asked me a question that revealed a tragic flaw in his thinking.

The man loved gimmicks.

 

 

Don't Buy Into Financial Gimmicks Or "Systems" Instead Trust Proven Principles

 

 

Bad Financial advisors use a system.

You don't need a gimmick, you need to do what works.

 

The same financial principles that have worked for years, still work.

Gimmicks and systems will fail you.

 

Rather Than Invent The More Than Money "Cool name" solution...

Here's what we do:

1 - We look at your situation.

2 - Shop all the tools available in the financial world.

3 - Give you what fits you.

 

What's crazy, is it works!

 

 

How foolish would it be if a construction company only used hammers?

 

 

That's what too many people accept for their financial security. This often happens with a life insurance and annuities sales. It sounds so sexy and exciting to "sell," but it will ultimately fail you because it is only part of the whole solution.

 

Almost every tool exists in the financial world for a reason and for some type of person.

 

This perspective, helps you understand that variable annuities, stocks, dividends, life insurance are all tools.

 

The issue is never the tool. The nail isn't the problem... it's that the situation needed a wood screw.

 

Let's talk about your specific situation and discover which combination of the many financial tools is best for you.

 

We do things differently. We don't have a system. We listen to your needs and react.

 

Get all the tools of the financial world working for your success. 

]]> Fri, 24 Mar 2017 09:00:00 +0000 alanmcnaron@gmail.com (Chris Burns - Founder & Principal Advisor at Investus Financial) https://morethanmoney.simplecast.com/episodes/exposing-the-secret-to-your-financial-d5f1ae92 I spoke with a man this week who has managed to do the impossible over the last handful of years - lose $100,000. 

The market has been at historic heights. Not many people are losing money on that scale, but then he asked me a question that revealed a tragic flaw in his thinking.

The man loved gimmicks.

 

 

Don't Buy Into Financial Gimmicks Or "Systems" Instead Trust Proven Principles

 

 

Bad Financial advisors use a system.

You don't need a gimmick, you need to do what works.

 

The same financial principles that have worked for years, still work.

Gimmicks and systems will fail you.

 

Rather Than Invent The More Than Money "Cool name" solution...

Here's what we do:

1 - We look at your situation.

2 - Shop all the tools available in the financial world.

3 - Give you what fits you.

 

What's crazy, is it works!

 

 

How foolish would it be if a construction company only used hammers?

 

 

That's what too many people accept for their financial security. This often happens with a life insurance and annuities sales. It sounds so sexy and exciting to "sell," but it will ultimately fail you because it is only part of the whole solution.

 

Almost every tool exists in the financial world for a reason and for some type of person.

 

This perspective, helps you understand that variable annuities, stocks, dividends, life insurance are all tools.

 

The issue is never the tool. The nail isn't the problem... it's that the situation needed a wood screw.

 

Let's talk about your specific situation and discover which combination of the many financial tools is best for you.

 

We do things differently. We don't have a system. We listen to your needs and react.

 

Get all the tools of the financial world working for your success. 

]]> Exposing The Secret To Your Financial Success (I Hate Gimmicks) Chris Burns - Founder & Principal Advisor at Investus Financial 00:07:31 Bad financial advisors use a system. You don't need a gimmick, you need to do what works. The same financial principles that have worked for years, still work. Here's how to get good, old-fashioned growth. Bad financial advisors use a system. You don't need a gimmick, you need to do what works. The same financial principles that have worked for years, still work. Here's how to get good, old-fashioned growth. no full 1