Your Retirement Guide by: Capital Wealth Group

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Join us for an insightful episode on the role of bonds in retirement investing. Welcome to another episode of our podcast! Today's focus is on unraveling the world of bonds – their mechanics, diverse types, the choice between bond funds and individual bonds, and which bonds are best suited for retirees.

Segment 1: Unpacking Bonds and Their Types
Think of bonds as loans you provide to companies or governments. They borrow money from you and promise to pay interest over a specific time frame. When you invest in a bond, you're essentially the lender. You hand them money, and they assure you a return of your original investment ('principal') and regular interest payments.

Bonds are issued at a Par Value, usually $1,000. The bond's market price can vary during its lifespan based on interest rates and issuer credibility. Upon maturity, you receive your original investment plus earned interest. Bonds offer stability in the short term compared to volatile stocks, but historical data suggests that, over the long run, US bonds don't perform as well as stocks.

Segment 2: Bond Funds and ETFs – Which Route to Take?
When diving into bond investing, you're faced with choices: Bond funds, Bond ETFs, or individual bonds. Each option has its pros and cons. Bond funds pool your money with other investors to diversify your bond portfolio, though fees can vary. Individual bonds assure your principal upon maturity but require more effort to purchase and research.

Market stress might cause bond fund managers to sell at a loss, impacting shareholders. Similarly, Bond ETFs could temporarily sell below their Net Asset Value during market turmoil. Your choice depends on your preferences, risk tolerance, and goals. Bond funds can offer broader exposure, while individual bonds provide security.

Segment 3: Tailoring Bonds to Your Retirement Strategy
Choosing the right bonds or bond funds for retirees hinges on your objectives and circumstances. For those with a significant stock component, government bonds can provide diversification and reduce volatility. Dr. Pfau's study suggests intermediate government bonds as a replacement for corporate bonds in the 4% rule.

If you're ultra-conservative with mostly bond assets, a mix of bond types might be

Welcome to "The Retirement Guide" Podcast! I'm your host George Jameson, owner of Capital Wealth Group, a Fee Only Advisory firm. Whether you’re nearing retirement or already retired, Join me each week as we explore the world of retirement planning and equip you with the knowledge and tools you need for a successful retirement.

Thank you for tuning in to this episode of The Retirement Guide. If you enjoyed this episode, please subscribe & leave a review. If you'd like a free 30-minute retirement review, visit our website at www.capitalwealthplan.com to schedule.
This is for education only.It is not tax, legal, or investment advice. Before acting on any information consult your tax, legal, or investment advisor.

Let's Connect!
Visit our Website: Capital Wealth Group
Please Subscribe: To our Newsletter/PodcastSchedule a Free Introductory Call Today! (30min)
Capital Wealth Group is a Flat Fee-Only Advisory Firm located in Columbia, SC , serving clients locally in South Carolina and North Carolina and virtually nationwide.
Any Questions or Topic Ideas? Send me an email at [email protected]

Send us a text

In this episode, we dive into the world of dividend stock investing, exploring the pros, cons, and risks that come with it. Join us as we unravel the myth of safety surrounding individual dividend stocks and discover the factors that can make this approach riskier than perceived. We'll also explore alternative strategies to help you make informed investment decisions. Whether you invest yourself or hire a financial advisor, this episode provides valuable insights to enhance your investment strategy and safeguard your financial future. Tune in now to navigate the world of dividend stock investing with confidence.

Welcome to "The Retirement Guide" Podcast! I'm your host George Jameson, owner of Capital Wealth Group, a Fee Only Advisory firm. Whether you’re nearing retirement or already retired, Join me each week as we explore the world of retirement planning and equip you with the knowledge and tools you need for a successful retirement.

Thank you for tuning in to this episode of The Retirement Guide. If you enjoyed this episode, please subscribe & leave a review. If you'd like a free 30-minute retirement review, visit our website at www.capitalwealthplan.com to schedule.
This is for education only.It is not tax, legal, or investment advice. Before acting on any information consult your tax, legal, or investment advisor.

Let's Connect!
Visit our Website: Capital Wealth Group
Please Subscribe: To our Newsletter/PodcastSchedule a Free Introductory Call Today! (30min)
Capital Wealth Group is a Flat Fee-Only Advisory Firm located in Columbia, SC , serving clients locally in South Carolina and North Carolina and virtually nationwide.
Any Questions or Topic Ideas? Send me an email at [email protected]

Send us a text

Welcome to the first episode of the Retire with Confidence podcast! Your host is George Jameson, a certified financial planner professional and the founder of Capital Wealth Group. Thank you for taking your time to tune in.

If you are nearing retirement or already retired and want concise and to the point information this is the retirement planning education podcast for you!
In this short episode, George quickly tells you who this podcast is designed for, some of the insightful topics, how often new episodes will be published, andwill briefly tell you about himself and his firm.

Key Points From This Episode:

• Who the show is designed for and will benefit most from it.

• An overview of topics related to retirement.

• Investing in retirement, taxes in retirement, social security, income distributions strategies and other topics to look forward to.

• A brief overview of George and his firm.

• George specializes in working with people 50 and above, who are planning to retire or already retired.

• The frequency of the podcast and the estimated running time of each episode.

Note: Please check out his other two published episodes available now!

Let's Connect!
Visit our Website: Capital Wealth Group
Please Subscribe: To our Newsletter/PodcastSchedule a Free Introductory Call Today! (30min)
Capital Wealth Group is a Flat Fee-Only Advisory Firm located in Columbia, SC , serving clients locally in South Carolina and North Carolina and virtually nationwide.
Any Questions or Topic Ideas? Send me an email at [email protected]

Send us a text

In this episode we turn our attention to the world of Fixed Index Annuities (FIAs), revealing the inner workings, historical performance, and the true purpose behind these insurance based products. Join us as we explore the complexities and considerations surrounding FIAs, providing you with a comprehensive understanding to make informed decisions.

We kick off the episode by diving into the fundamentals of Fixed Index Annuities, explaining how they operate and the unique features that set them apart from other annuity types.

Discover the true intent behind the design of Fixed Index Annuities, as we uncover the primary reasons why retirees may find them appealing. We explore their potential benefits, such as the opportunity for growth while still offering a level of protection for your investment.

One critical aspect of Fixed Index Annuities that we reveal is the concept of "renewal rates." Find out what renewal rates are, why they matter, and how they can impact your financial future when considering these annuities.

Throughout the episode, we maintain an unbiased stance, presenting you with a fair and transparent analysis. Our aim is to equip you with all the essential information you need to make well-informed decisions about Fixed Index Annuities.

If you're interested in other types of annuities, don't forget to check out our two previous Annuity episodes from last week. Expand your knowledge about different financial options and gain a comprehensive understanding of annuities as a whole.

Tune in to "Unbiased Insights: Fixed Index Annuities Revealed" and join us as we help explain these complex financial instruments, empowering you to make the best choices for your retirement and beyond.

Welcome to "The Retirement Guide" Podcast! I'm your host George Jameson, owner of Capital Wealth Group, a Fee Only Advisory firm. Whether you’re nearing retirement or already retired, Join me each week as we explore the world of retirement planning and equip you with the knowledge and tools you need for a successful retirement.

Thank you for tuning in to this episode of The Retirement Guide. If you enjoyed this episode, please subscribe & leave a review. If you'd like a free 30-minute retirement review, visit our website at www.capitalwealthplan.com to schedule.
This is for education only.It is not tax, legal, or investment advice. Before acting on any information consult your tax, legal, or investment advisor.

Let's Connect!
Visit our Website: Capital Wealth Group
Please Subscribe: To our Newsletter/PodcastSchedule a Free Introductory Call Today! (30min)
Capital Wealth Group is a Flat Fee-Only Advisory Firm located in Columbia, SC , serving clients locally in South Carolina and North Carolina and virtually nationwide.
Any Questions or Topic Ideas? Send me an email at [email protected]

Send us a text

In this episode of "The Retirement Guide" with George Jameson, CFP®, MBA of Capital Wealth Group, listeners are treated to an in-depth exploration of the time-tested and straightforward Two-Bucket Strategy for retirement planning. Host George Jameson simplifies the complex world of retirement income by introducing the original two-bucket system developed by financial guru Harold Evensky in 1985. With a focus on simplicity and effectiveness, this strategy aims to protect retirees from market panics and ensure a steady stream of income without the need for complicated withdrawal plans.

Welcome to "The Retirement Guide" Podcast! I'm your host George Jameson, owner of Capital Wealth Group, a Fee Only Advisory firm. Whether you’re nearing retirement or already retired, Join me each week as we explore the world of retirement planning and equip you with the knowledge and tools you need for a successful retirement.

Thank you for tuning in to this episode of The Retirement Guide. If you enjoyed this episode, please subscribe & leave a review. If you'd like a free 30-minute retirement review, visit our website at www.capitalwealthplan.com to schedule.
This is for education only.It is not tax, legal, or investment advice. Before acting on any information consult your tax, legal, or investment advisor.

Let's Connect!
Visit our Website: Capital Wealth Group
Please Subscribe: To our Newsletter/PodcastSchedule a Free Introductory Call Today! (30min)
Capital Wealth Group is a Flat Fee-Only Advisory Firm located in Columbia, SC , serving clients locally in South Carolina and North Carolina and virtually nationwide.
Any Questions or Topic Ideas? Send me an email at [email protected]