Tag: Wealth Management

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Managing Life Transitions Through Financial Planning (Ep. 145)

Managing Life Transitions Through Financial Planning (Ep. 145)

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Life can change quickly, and those shifts often leave us reassessing what matters most.

Moments of uncertainty can feel heavy, yet they also open space for renewed direction. Thoughtful planning gives structure to those moments and helps guide steady decisions.

In this episode, Peter Raskin reflects on the many transitions clients experienced this year and how planning supports clarity through change. He shares real examples of families dealing with retirement questions, concentrated stock positions, charitable goals, and market anxiety. Peter highlights how planning offers direction, keeps people grounded, and creates a path forward no matter what life brings.

Peter discusses:

  • A couple juggling income, debt, and a large concentrated stock holding while seeking financial clarity
  • How retirement plans and Social Security timing can shape long-term outcomes
  • Strategies for using charitable gifts, donor-advised funds, and qualified charitable distributions
  • Guiding a retiree who feels pressure from market headlines and fears about volatility
  • Why revisiting a financial plan builds confidence during uncertain periods
  • And more!

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This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning.

Securities and investment advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. Osaic Wealth is separately owned, and other entities and/or marketing names, products, or services referenced here are independent of Osaic Wealth.

Osaic Wealth, Inc. and its representatives do not offer tax or legal advice. Individuals should consult their tax or legal professionals regarding their specific circumstances.

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Managing Wealth Amidst Uncertainty (Ep. 136)

Managing Wealth Amidst Uncertainty (Ep. 136)

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Uncertainty looms in every corner of our lives, but can we turn it into clarity?

How do financial decisions shape long-term security and day-to-day sense of security? 

What strategies can help align investments with life’s changing seasons?

In this episode, Peter Raskin reflects on balancing short-term challenges with long-term objectives, explaining how clients can maintain confidence through thoughtful planning. From volatile markets to personal milestones, Peter offers insights into wealth management that prioritizes resilience and practicality.

Key topics covered:

  • Understanding Market Uncertainty
  • Tax Planning and 1099 Delays
  • Addressing Life Events: Illness and Divorce
  • Gifting to Family Members
  • Navigating Retirement and Medicare Plans
  • And more!

Connect with Peter Raskin: 

Schedule Time with Peter:

This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning.

Securities and investment advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. Osaic Wealth is separately owned, and other entities and/or marketing names, products, or services referenced here are independent of Osaic Wealth.

Osaic Wealth, Inc. and its representatives do not offer tax or legal advice. Individuals should consult their tax or legal professionals regarding their specific circumstances.

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Planning for Uncertainty: Retirement Income Strategies (Ep. 135)

Planning for Uncertainty: Retirement Income Strategies (Ep. 135)

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Market swings and economic shifts can leave retirees feeling uncertain about their financial future. 

How can you ensure your income remains steady, even when the unexpected happens?

In this episode, Peter Raskin explores retirement income planning strategies that help individuals stay financially stable despite market fluctuations. He breaks down the “bucket approach” to managing assets and highlights key risks retirees should consider when planning their financial future.

Peter discusses:

  • The impact of economic uncertainty on retirement planning and how to assess personal financial stability
  • The “bucket approach” to structuring retirement income for different time horizons
  • Key financial risks retirees face, including market downturns, inflation, and longevity
  • The importance of tax planning to maximize retirement savings and minimize unexpected liabilities
  • How to adjust and monitor retirement strategies over time to maintain financial confidence
  • And more!

Connect with Peter Raskin: 

Schedule Time with Peter:

This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning.

Securities and investment advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth.

Osaic Wealth, Inc. and its representatives do not offer tax or legal advice. Individuals should consult their tax or legal professionals regarding their specific circumstances.

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Stress-Free Tax Preparation (Ep. 134)

Stress-Free Tax Preparation (Ep. 134)

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Tax season can be overwhelming, but with some simple strategies, you can transform it into a manageable process.

In this episode, Peter Raskin outlines practical tips for preparing your taxes with ease. From organizing documents to leveraging deductions and credits, Peter shares actionable insights to make tax preparation less daunting. He emphasizes the importance of collaboration with tax professionals and staying proactive to avoid last-minute stress.

Peter discusses:

  • The benefits of keeping organized financial records and reviewing prior tax returns for reference
  • Key income and deduction categories to track, including self-employment expenses, charitable contributions, and retirement plans
  • Credits for education, energy efficiency, and dependent care, along with considerations for gifting limits
  • How to manage estimated taxes to avoid penalties and interest while staying within safe harbor guidelines
  • The value of consulting tax professionals and financial planners to streamline the tax preparation process
  • And more!

Connect with Peter Raskin: 

Schedule Time with Peter:

 

This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning.

Securities and investment advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth.

Osaic Wealth, Inc. and its representatives do not offer tax or legal advice. Individuals should consult their tax or legal professionals regarding their specific circumstances.

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Insights from Peter Raskin regarding Financial Planning in Turbulent Times (Ep. 133)

Insights from Peter Raskin regarding Financial Planning in Turbulent Times (Ep. 133)

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In today’s uncertain financial landscape, mastering the balance between planning for the future and living in the present is essential.

How do political shifts influence personal financial decisions? How can investors navigate risk while maintaining security in their portfolios?

Join host Peter Raskin as he discusses the importance of financial planning amidst economic and political changes by providing insights on managing portfolios, and addressing common client questions about market volatility, bonds, and long-term strategies. 

Key insights include:

  • How political changes and economic shifts may influence markets and investment strategies
  • The importance of maintaining a diversified portfolio to mitigate risks during market volatility
  • Why bonds, despite underperforming stocks, remain a crucial component of many portfolios
  • Strategies for managing drawdowns and rebalancing portfolios during periods of market fluctuation
  • Approaches to determining annual withdrawal rates and long-term savings goals for financial security
  • And more!

Connect with Peter Raskin:

Schedule Time with Peter: 

This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning.

Securities and investment advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth.

Osaic Wealth, Inc. and its representatives do not offer tax or legal advice. Individuals should consult their tax or legal professionals regarding their specific circumstances.

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Unlocking the Potential of Trusts with Kendalynn Mowery (Ep. 132)

Unlocking the Potential of Trusts with Kendalynn Mowery (Ep. 132)

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Trusts offer powerful tools for protecting assets, reducing taxes, and planning for future generations. But how do you choose the right structure for your unique needs?

This week, Peter Raskin is joined once again by Kendalynn Mowery from Premier Trust Company to explore the benefits and strategies behind Nevada-based trusts. Kendalynn shares actionable insights into asset protection, tax advantages, and creating a lasting legacy through thoughtful trust planning.

Kendalynn discusses:

  • How Nevada’s favorable trust laws provide tax advantages, long-term flexibility, and robust asset protection
  • Asset Protection Trusts, including who benefits most and why timing is critical for these structures
  • Advanced trust structures such as SLATs, NINGs, and BDITs that address specific financial and estate planning goals
  • The importance of tailoring trust structures to align with family and financial objectives with legal guidance
  • How trusts simplify estate administration, reduce probate concerns, and help for multi-generational wealth preservation
  • And more!

Resources

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Connect with Peter: 

Schedule Time with Peter

This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning.

Securities and investment advisory services offered through Osaic FA, Inc., member FINRA/SIPC. Osaic FA is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic FA.

Osaic FA, Inc. and its representatives do not offer tax or legal advice. Individuals should consult their tax or legal professionals regarding their specific circumstances.

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Understanding Trusts: An Essential Tool in Estate Planning (Ep. 129)

Understanding Trusts: An Essential Tool in Estate Planning (Ep. 129)

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What’s the best way to protect and transfer wealth across generations?

In this episode of Wealth Is In The Details, host Peter Raskin welcomes Kendalynn Mowery from Premier Trust Company to explore the intricacies of trust planning. 

Trusts can be a powerful tool in estate planning, offering more flexibility and protection than a traditional will, especially in wealth transfer across generations. Whether you’re considering lump sum or periodic disbursements, Kendalynn explains why trusts are not just for the wealthy or those concerned about beneficiaries’ spending habits. 

With insights into the diverse types of trusts, including special needs, revocable, and charitable trusts, this episode is a must-listen for anyone looking to safeguard their family’s financial future.

They discuss:

  • An overview of what a trust is and its dual role in wealth management 
  • The various types of trusts and their suitability for different needs
  • The process and considerations in selecting a trustee, including the role of a corporate trustee 
  • Why Nevada is a favorable state for trust administration
  • And more!

Resources

Connect with Kendalynn Mowery:

Connect with Peter: 

Schedule Time with Peter

CRN-7427415-121024

Disclosure: This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning.

Securities and investment advisory services offered through Osaic FA, Inc., member FINRA/SIPC. Osaic FA is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic FA.

Osaic FA, Inc. and its representatives do not offer tax or legal advice. Individuals should consult their tax or legal professionals regarding their specific circumstances.

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What Keeps Clients Up at Night? (Ep. 127)

What Keeps Clients Up at Night? (Ep. 127)

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Financial planning isn’t just about numbers; it’s about addressing the real-life concerns that keep clients awake at night.

How do we help clients navigate personal challenges while ensuring their financial stability? What are the most pressing issues clients face today?

In this episode of The Wealth Is In The Details podcast, Peter Raskin shares insightful stories from his clients’ wealth journeys, revealing what truly matters to them and how detailed planning can provide peace of mind. 

You’ll learn why clients focus on personal, impactful conversations rather than market fluctuations or global events, and how year-round tax planning can offer confidence in uncertain times.

Peter discusses:

  • Personal anecdotes around health challenges and financial strategies
  • The importance of updating estate planning documents in light of new legislation
  • Strategies for gifting and charitable donations
  • Handling unexpected windfalls and planning for early retirement
  • And more!

Connect with Peter: 

Schedule Time with Peter

CRN-7091109-100324

Disclosure: 

This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning.

Securities and investment advisory services offered through Osaic FA, Inc., member FINRA/SIPC. Osaic FA is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic FA.

Osaic FA, Inc. and its representatives do not offer tax or legal advice. Individuals should consult their tax or legal professionals regarding their specific circumstances.

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Why Cash Might Not Be King: Understanding Investment Risks (Ep. 121)

Why Cash Might Not Be King: Understanding Investment Risks (Ep. 121)

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Could keeping your money in cash actually be risky?

In this episode of Wealth Is In The Details, Peter Raskin delves into the commonly overlooked risks associated with holding cash or cash equivalents like CDs and US Treasuries. He tackles the misconception that cash is the safest investment, breaking down the concepts of liquidity, inflation risk, and how different types of investments align with your financial goals. Listen in and uncover the importance of aligning your investment choices with both your long-term and short-term objectives, and why simply stashing your cash might not always be the best strategy.

Peter discusses:

  • Exploring the true meaning of cash and cash equivalents
  • Unpacking the multifaceted nature of risk, especially when it comes to cash investments
  • The impact of inflation over time on the purchasing power of your cash holdings
  • Investment attributes and how to match them with your financial goals
  • And more!

 

Connect with Peter: 

 

Schedule Time with Peter

 

Disclosure: This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning.

Peter Raskin is a registered representative of Osaic FA, Inc./Osaic FA.

Securities offered through Osaic FA, Inc./Osaic FA, a broker/dealer. Member SIPC. Investment advisory services offered through Osaic FA, Inc./Osaic FA, a registered investment advisor. Insurance offered through Lincoln affiliates and other fine companies. Raskin Planning Group is not an affiliate of Osaic FA, Inc./Osaic FA.

Osaic FA, Inc./Osaic FA and its representatives do not provide legal or tax advice. You may want to consult a legal or tax advisor regarding any legal or tax information as it relates to your personal circumstances.

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Decoding Financial Jargon Part 2 (Ep. 118)

Decoding Financial Jargon Part 2 (Ep. 118)

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Welcome back to part 2 of our two-part series where we break down financial jargon that many advisors use, for our listeners!

In this episode, Peter Raskin breaks down more complex financial terms to help you better understand investment terminology, while emphasizing the importance of diversification. He explains factor investing and the significance of macroeconomic and style factors in portfolio management. Peter also covers the implications of the yield curve and bond duration for investors.

Peter discusses:

  • Different kinds of stocks and bonds, and the importance of diversification
  • What factor investing is, and specific drivers of returns across asset classes
  • What a yield curve and duration in the context of bonds are
  • The importance of diversifying into different types of bonds based on risk tolerance
  • And more!

Resources

Connect with Peter: 

Schedule Time with Peter

CRN-6491254-031924

Disclosure: This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning.

Raskin Planning Group is a marketing name for registered representatives of Lincoln Financial Advisors.

Securities offered through Lincoln Financial Advisors Corp., a broker/dealer. Member SIPC. Investment advisory services offered through Sagemark Consulting, a division of Lincoln Financial Advisors, a registered investment advisor. Insurance offered through Lincoln affiliates and other fine companies. Raskin Planning Group is not an affiliate of Lincoln Financial Advisors. Raskin Planning Group is a marketing name for registered representatives of Lincoln Financial Advisors.

Lincoln Financial Advisors Corp. and its representatives do not provide legal or tax advice. You may want to consult a legal or tax advisor regarding any legal or tax information as it relates to your personal circumstances.