The Confident Retirement

Are you worried about where to put your excess cash? Tune in to The Confident Retirement with host Kris Flammang for essential tips on safe investment options with high-interest rates on this new solo episode. Kris discusses different investment options like T-bills, virtually risk-free investments backed by the US government’s full faith and credit, and I-Bonds, which are savings bonds that protect you against inflation. He also talks about municipal bonds and municipal bond funds, which offer tax-free income for high tax bracket individuals. 

With professional management, diversification, and liquidity, municipal bond funds can be a great investment option. Kris advises consulting an advisor before investing and emphasizes that each investment has its own advantages and disadvantages. Learn how to raise your retirement confidence level and subscribe to The Confident Retirement!

Don’t just leave your extra funds in a low-interest savings account! Listen to this informative The Confident Retirement episode with Kris Flammang about safe investment options for your extra cash.

Here is what to expect on this week’s show:

• Safe investment options for excess cash
• Different types of bonds for investors
• Pros and cons of municipal bond funds
• Tips to consider if you are thinking of investing in T-bills or I-Bonds

Connect with Kris:

LPFadvisors.com

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Looking to invest your excess cash? Look no further than this episode of The Confident Retirement, hosted by Kris Flammang. Kris discusses your options for overflowing cash in this new solo episode. Kris has been in the financial services industry since 1999. He currently carries the Chartered Retirement Planning Counselor (CRPC), Accredited Investment Fiduciary (AIF), and Behavioral Financial Advisor (BFA) designations.

Flammang breaks down the pros and cons of savings accounts, money market accounts, CDs, and money market funds. Learn about the benefits of having easy access with lower interest rates through savings accounts or higher interest rates with flexible check-writing through money market accounts. And don’t forget about CDs, which offer even higher interest rates with a laddering strategy. But for those seeking the highest interest rates of all, riskier money market funds may be the way to go. Flammang emphasizes the need to carefully weigh the options and choose the right account based on individual priorities and needs.

informative episode ofDon’t just leave your extra funds in a low-interest savings account! Listen to this informative The Confident Retirement with Kris Flammang about what to do with your excess cash.

Here is what to expect on this week’s show:

• Maximizing excess cash in savings accounts and more
• Pros and cons of different account types
• Considering your individual priorities and needs

Connect with Kris:

LPFadvisors.com

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In this fan-favorite episode, Kris Flammang talks with Martha Shedden.

When Martha Shedden read and learned about Social Security options available to retirees, she was shocked at the choices one could make that have long-term negative consequences. Today, she considers it a privilege and reward to help people understand and make personalized choices to get the most from their benefits. 

She is on a mission to educate financial professionals and retirees on the details of Social Security income planning, the foundation and first step to creating a financially secure retirement plan. Today, Martha is President and Co-founder of the National Association of Registered Social Security Analysts, NARSSA, which provides online education and training for financial professionals to become Registered Social Security Analysts.

The training program provides professionals with a thorough knowledge of the Social Security program and trains them how to analyze clients’ claiming options to get their maximized Social Security income by filing for benefits at the optimal time. The modules provide CE/CPE units for NASBA, the CFP Board, and the IRS. 

Martha is the absolute go-to expert who understands all the details of how and when to claim benefits. Highlights of our conversation include:

• Explaining the misconceptions of how much money is at stake.
• It’s a personalized decision based on one’s working situation, health and so much more.
• Understanding survivor benefits and when to claim.
• Qualifications for being able to collect.
• Using software to better understand the numbers.
• The future of Social Security.

Enjoy the this fan-favorite episode!

Connect with Martha:

Website: https://www.sheddensocialsecurity.com

Connect with Kris

Website: https://www.lpfadvisors.com/

LinkedIn: https://www.linkedin.com/in/kristopher-flammang-lpfadv/

Twitter: @kflammang

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An experienced Chicagoland area family law mediator and litigator and immigration law practitioner. Graduated from the University of Illinois at Urbana-Champaign with a Bachelor of Science with a double major in Psychology and Political Science, and completed Juris Doctor degree at the DePaul University College of Law in 2000. Practicing law for 22 years, including mediation, contested divorce litigation, preparing prenuptial (premarital)/postnuptial, Qualified Domestic Relations Orders (QDRO’s) and Qualified Illinois Domestic Relations Orders (QILDRO’s). Serving as court appointed Guardian Ad Litem (GAL) and Child Representative. Immigrated from Poland as a child, married with 3 children. Fluent in Polish and conversational in Spanish. Tom is licensed to practice by the State of Illinois.

Listen to this classic episode of The Confident Retirement with Thomas Miller about retirement plan considerations in divorce.

Here is what to expect on this week’s show:

• How did Thomas decide on what areas of law to focus on.
• What is a Qualified Domestic Relations Order?
• What is the ideal client?
• What is a divorce decree?
• Pre and post nuptial agreements.
• What’s happening with the public divorce rate?

Connect with Thomas:

https://www.thomaspmiller.com/

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Fan Favorite

Dave Silver had invested in real estate and when the markets crashed, he looked for a new career. His strength in sales comes from being knowledgeable in the product he represents, Medicare Insurance Plan options. Dave is a licensed insurance agent specializing in Medicare for almost 10 years. 

In our conversation, we discuss all things Medicare from Parts A and B, Medicare Supplement, Medicare Advantage and Part D Drug plans. This is an episode you’ll want to listen to more than once for yourself or for helping your parents.

Highlights from our conversation include:

The challenge of getting the correct, honest information from clients.

The misinformation clients received about Medicare because it doesn’t apply to their individual situation.

Explaining Medicare, parts A and B.

The complications of Medicare part B if still employed.

Medicare Supplement Plans from A through N.

How people are penalized when not applying in the correct time and age periods.

Medicare Advantage Plans are not Supplement Plans.

How Plans and drug benefits vary from State to State.

Enjoy the show!

Connect with David:

Website: https://www.davesilverinsurance.com/

Connect with Kris:

Website: https://www.lpfadvisors.com/

LinkedIn: https://www.linkedin.com/in/kristopher-flammang-lpfadv/

Twitter: @kflammang

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Ashly Guernaccini founded atCAUSE Law Office because she knows good legal representation is not a one-size-fits-all approach. Her practice is focused on business law, specifically contract law, business transactions, dispute resolution, business formation, and labor law. Ashly received her B.A. from the University of Pittsburgh and went on to receive her Doctor of Law Degree from Duquesne University School of Law. She spent over ten years as in-house counsel for large, nonprofit healthcare providers, managing their legal departments and overseeing regulatory compliance, trademark protection, labor and employment law administration, contract management, and many more legal and business functions.

While Ashly is already a member of the Pennsylvania Bar, she joined the Florida Bar in 2020 to start helping small business owners in Pinellas County with all of their legal needs. Ashly can explain complex legal matters in a way that those who know nothing of the law can understand. She’s very efficient and great at time management, which saves clients money on legal fees. Ashly takes pride in really getting to know the people and businesses she services, and firmly believes that building a strong relationship is the foundation from which the magic happens. atCAUSE Law Office is here to make Florida business law affordable and easy to understand.

Listen to this informative The Confident Retirement episode with Ashly Guernaccini about estate planning.

Here is what to expect on this week’s show:

• Why having a comprehensive estate plan is important.
• The biggest blind spot in estate planning.
• The importance of funding a trust.
• Misconceptions about the legal profession.
• Why Ashly decided to go into law, and advice to her younger self.

Connect with Ashly:

https://www.atcauselaw.com/

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Dodie is the owner of Sachs Family Law, PC located in Suwanee, Georgia. Dodie has been practicing in Gwinnett County, Georgia since she graduated from Tulane Law School in 2004. Dodie loves being a divorce attorney. Family law is one of the few areas of the law where we work to build a better future for our clients and the parties in a case, instead of focusing only on problems that occurred in the past. 

Dodie is committed to helping the legal profession and the local community. She is a Past President of the Gwinnett County Bar Association and was the Secretary for the Gwinnett County Chapter of the Georgia Association for Women Lawyers. She has been an active volunteer with Gwinnett Legal Aid since 2004. She is the recipient of the 2014 Volunteer of the Year Award for the Atlanta Legal Aid Society, which is an award selected by all of Atlanta Legal Aid that serves the seven metro Atlanta counties, and the 2015 Volunteer of the Year for Gwinnett Legal Aid. She developed the Family Law Information Class, in partnership with Gwinnett Legal Aid, to teach people how to represent themselves in their family law cases. In 2015, she was selected to participate in the Georgia Association of Women Lawyers (GAWL) Leadership Academy Class, and the 2021 GAWL Leadership Academy 2.0. She has served as a mentor for the Transition into Law Practice Program and is a frequent speaker at Continuing Legal Educations Classes on trial advocacy and family law issues. 

Listen to this informative The Confident Retirement episode with Dodi Sachs about family law.

Here is what to expect on this week’s show:

• What led Dodi to where she is today.
• Working with clients who are going through a divorce.
• Managing client expectations and emotions during the divorce process.
• Enforcement of a court’s orders.
• Helping with the adoption process.
• Changing your legal name.

Connect with Dodie:

http://www.sachsfamilylaw.com/

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Jeffrey Katz started his law practice in 2000 after working as a solo tax accountant and CPA. Now, he’s recognized by SuperLawyers as amongst the Top 5 percent of tax and estate lawyers in Maryland and Washington, DC. Over the last 20 years, he’s prepared over 5,000 estate plans and has administered over $100 million in estates and trust assets. He also runs an estate planning software company (which he founded), writes for Bloomberg and has appeared on several news shows and legal podcasts.

Listen to this informative The Confident Retirement episode with Jeffrey Katz about his estate planning practice.

Here is what to expect on this week’s show:

• What led Jeffrey to where he is today.
• Determining the core focus of his firm’s services.
• How simple estate plans can be complicated.
• Identifying your assets and liabilities.
• Managing client expectations and emotions.
• The biggest obstacles for the future of the practice.

Connect with Jeffrey:

https://www.jdkatz.com/

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Cary Jacobson, Esquire is the founder and managing partner of Jacobson Family Law. Cary has been practicing law for nearly a decade, having successfully represented clients in all facets of family law proceedings including separation, divorce, custody, child support, post-divorce enforcement, and other family law related matters.

Through her experience litigating family law matters, Cary has found that the conflict associated with litigation often tears a family apart making it toxic for children and their parents. However, as a certified mediator and collaborative divorce attorney, Cary has also seen how these forms of alternative dispute resolution can lead to and foster successful co-parenting arrangements.

Cary has chosen to dedicate her practice to working with clients who wish to resolve their family disputes without court intervention. She assists clients in choosing between mediation, collaborative divorce or separation agreements in order to keep drama out of their divorce.

Listen to this informative The Confident Retirement episode with Cary Jacobson about Cary’s commitment to keeping the drama out of divorce.

Here is what to expect on this week’s show:

• How did Cary decide to pursue a law career?
• What made her pursue family law?
• What are the biggest fears surrounding divorce?
• What does alternative dispute resolution mean?
• How do you prepare a separation agreement?
• What are collaborative professional’s groups?

Connect with Cary:

https://jacobsonfamilylaw.com/

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Ronald R. Petroff was born in Cleveland, Ohio and graduated high school from the University School in Hunting Valley, Ohio. He attended Vanderbilt University as an undergraduate where he earned a bachelor’s degree and double majored in Political Science and American History. He graduated cum laude and was a member of the Sigma Chi fraternity. Mr. Petroff then attended The Ohio State University Moritz College of Law where he earned a certificate in Alternate Dispute Resolution and was a member of the National Labor and Employment Law Moot Court Team. Mr. Petroff also was a member of the National Trial Competition Team. Mr. Petroff earned a CALI Excellence for the Future Award for his perfect score in the class, Criminal Law in the Boardroom.

In 2017, Mr. Petroff was named as a Columbus Business First 40 Under 40 Honoree, an honor bestowed upon members of the business community who have achieved great professional and personal milestones.

Mr. Petroff is fluent in Russian and is passionate about giving back to the community. After several years living in the Arena District, Mr. Petroff settled in New Albany with his family. In his free time, he enjoys traveling, S.C.U.B.A. Diving, theater, tennis, and cheering on all of Cleveland’s professional sports teams. Mr. Petroff is also passionate about his two alma maters, the Ohio State Buckeyes and Vanderbilt Commodores.

Listen to this informative The Confident Retirement episode with Ronald Petroff about being a second-generation immigrant and his path to success.

Here is what to expect on this week’s show:

• Culture shock, politics, and language barrier.
• Deciding whether to do the big firm path.
• Misconceptions about no fault divorce.
• The difference between fairness and legality.
• The importance of setting expectations.
• Unique challenges of minor kids involved in divorce.

Connect with Ronald:

https://www.mcnairpetroff.com/

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