Retirement Insights

In Episode 32 of the Retirement Insights podcast, Eric Johnston, CFP, and Robert Jeter, CFP, of InFocus Financial Advisors, discuss strategies for navigating market highs. Our advisors discuss prudent risk management methods and how markets tend to perform after reaching new milestones. This podcast features Eric Johnston CFP President/Financial Advisor of InFocus Financial Advisors, Inc who has been an advisor for 25 years since 1993 and Robert Jeter, CFP who has been a Financial Advisor since 2012 and has been with InFocus Financial Advisors, Inc. since 2016. 31454 Winterplace Parkway, Salisbury, MD 21804 410-677-4848. Investment Advisor Representative offering securities and advisory services offered through Cetera Advisors LLC, member FINRA/SIPC, a broker dealer and a Registered Investment Adviser. Cetera is under separate ownership from any other named entity.

In Episode 31 Eric and Robert cover Roth IRA conversions and strategies - a popular tax planning tool to take advantage of lower marginal tax rates to reduce overall lifetime taxes paid and increase net-worth. Our advisors cover the rules, basic concepts of how to implement, and things you should consider in determining if partial Roth IRA conversions may be appropriate for you.This podcast features Eric Johnston CFP President/Financial Advisor of InFocus Financial Advisors, Inc who has been an advisor for 25 years since 1993 and Robert Jeter, CFP who has been a Financial Advisor since 2012 and has been with InFocus Financial Advisors, Inc. since 2016. 31454 Winterplace Parkway, Salisbury, MD 21804 410-677-4848. Investment Advisor Representative offering securities and advisory services offered through Cetera Advisors LLC, member FINRA/SIPC, a broker dealer and a Registered Investment Adviser. Cetera is under separate ownership from any other named entity.

Episode 30 - Future of Planning and Healthspan - Eric and Robert discuss the future of retirement planning. Could it possibly include making more nuanced health projections based on health data? What could the future look like and what might InFocus look like in the future in working towards their client's retirement success?This podcast features Eric Johnston CFP President/Financial Advisor of InFocus Financial Advisors, Inc who has been an advisor for 25 years since 1993 and Robert Jeter, CFP who has been a Financial Advisor since 2012 and has been with InFocus Financial Advisors, Inc. since 2016. 31454 Winterplace Parkway, Salisbury, MD 21804 410-677-4848. Investment Advisor Representative offering securities and advisory services offered through Cetera Advisors LLC, member FINRA/SIPC, a broker dealer and a Registered Investment Adviser. Cetera is under separate ownership from any other named entity.

Episode 29 - Understanding Medicare: In Episode 29, Eric and Robert review the fundamentals of Medicare. They review the various components of Medicare, what they cover, and things to remember when planning for your health insurance in retirement.

Episode 28 - Setting Up Your Surviving Spouse for Success  -- In this episode Eric and Robert cover a difficult topic, setting up your spouse for success if your gone. In the event of an unexpected premature death, we cover how to make sure your surviving spouse has the right tools to continue to be financially successful.

Episode 27 Dynamic Spending -- Don't Leave it All to Your Kids.  Curious about what spending strategy is right for you to maximize your lifestyle in retirement? Eric and Robert cover "Dynamic Spending" strategies and important things to consider regarding spending as you enter your retirement years.

Episode 26 - Estate Planning Mistakes -- Full of ideas you can implement, in this episode Eric and Robert covert some basic estate planning topics and frequent mistakes they see people make. 

Episode 25 - What's Going On With the Bond Market?   Bonds are supposed to be "safe". In this episode Eric and Robert discuss what has been a historic few years for the bond market. What has traditionally been a "boring" or "conservative" piece of most retiree's portfolio has been anything but of late.

Episode 24 - What Most People Get Wrong in Preparing to Retire -- It's retirement and it's time to get everything right.  In this episode, Eric and Robert review the most common mistakes people make when planning for retirement. They also discuss some topics and ideas to start thinking about as you approach retirement.

Episode 23 - Retirement and Recessions Vol. 2  Your retirement needs to be ready for curve balls.  In this episode Eric and Robert review what's transpired in markets over the last year, what's ahead, and what implications that may have for retirees of all ages. They also give tips on things you should be doing to turn periods of market volatility to your advantage.

Episode 22 - Lifetime Gifting  It is much more fun to make gifts while you are living, than after you're gone.  In this episode Eric and Robert cover lifetime gifting and how to make the greatest impact with  your retirement assets.

Episode 21 - 2021 Market Review and 2022 Outlook  In this episode, Eric and Robert take a look back at the market and the economy over the last year, and look forward to what may be in store for 2022.

Episode 19 - The Market vs. The Economy with Gene Goldman, CFA  In this episode Eric interviews guest Gene Goldman, CFA Chief Investment Officer of Cetera Financial Group. They cover the difference between the market and the economy, what data matters, what most investors get wrong and what lies ahead for the rest of the year.

Episode 18 - Low Yields   Low yields can have great impact. In this episode Eric and Robert talk about the current low yield environment, its affect on withdrawal rates and how this may affect retiree portfolios in the future. 

Episode 17 - Automating Your Finances  Technology: In this episode Eric and Robert talk about the good and the bad in new technology and automation available to today's investors.

Episode 16 - ESG: The Latest on Socially Conscious Investing -- In episode 16 of the Retirement Insights Podcast, Eric and Robert cover ESG Investing. ESG is a new trend in investment selection, on selecting companies that have favorable “Environmental, Social and Governance” stances. They review what exactly those factors mean, how they are implemented and what we here at InFocus have done to bring this new trend to our clients.

Episode 15 - Planning For Survivorship  This is important.  In this episode Eric and Robert talk about the importance of planning for survivorship. What happens when one spouse pre-deceases the other. We cover the financial implications of pension decisions, Social Security and what planning items you should be reviewing for this possibility.

Episode 11 - Why Work With a Financial Advisor?  While any financial advisor would have an opinion on why to work with a financial advisor, in this explore what value a financial advisor can bring and should bring. We examine the key differences between doing things yourself and working with a professional. 

Episode 10 - The SECURE Act Always keeping up-to-date, Eric and Robert review new legislation.  Passed in the last few weeks of 2019, the Setting Every Community Up for Retirement Enhancement Act will has some major changes to the retirement landscape. Eric and Robert cover some of the most important changes to retirees.

Episode 7 - Our Local MAC Agency -- An Amazing Resource  In this episode Eric Johnston, CFP interviews Michelle Parker from the local MAC (Maintaing Active Citizens) center in Salisbury, MD. They discuss their offerings, Medicare tips and resources available to individuals who are currently or soon to be retired.