Podcasts Archives

Date Title Description Length Supporting Document
1/28/2016 What Rising Interest Rates Mean for You The Federal Reserve (Fed) finally increased interest rates, by 25 basis points or one-quarter of 1 percent. On the face of it, this increase doesn’t seem like it should be considered a major deal, but the widespread media coverage would indicate otherwise. 6:50 Download
12/18/2015 The Dangerous Stock Picking Game Today’s podcast was authored by Sheldon McFarland, VP, Portfolio Strategy & Research Loring Ward. How good is your stock picking? Is it good enough to wager your retirement future on it? What happens if you are unlucky and pick the wrong stocks? 3:43 Download
12/9/2015 Is the Roth 401(k) Right for Me? Learn about the Roth 401(k), a great savings opportunity for many people and not just for highly compensated employees. It can provide participants with a tax-advantaged way to save for retirement and can provide flexibility and choice to retirees. 4:47 Download
11/9/2015 6 Best Practices to Protect Your Confidential Information Although there is a vast amount of technology available that is designed to safeguard your devices and personal information, that information is still vulnerable to cyber criminals and identity thieves. This podcast addresses 6 best practices to keep your personal information safe and secure. 4:42 Download
10/26/2015 Your 401(k) Is Not an ATM If you are trying to bridge a financial gap and considering taking a loan from your retirement plan, pause for a minute. This is a major decision that should not be made lightly, as there are consequences that could affect your ability to fund your future retirement. Here are six things you need to be aware of before you borrow from your 401(k) savings… 3:11 Download
10/12/2015 Don’t Get Spooked by Headlines Today’s podcast was authored by Sheldon McFarland, VP, Portfolio Strategy & Research Loring Ward. Yet again, Sheldon provides great perspective. This time, he writes about fear and how it can impact our lives including our investments. 4:35 Download
9/25/2015 Why Are You Buying Gold? This podcast was authored by Sheldon McFarland, VP, Portfolio Strategy & Research with Loring Ward. It discusses the inflation protection gold may, or may not, provide and more.
4:27 Download
9/14/2015 What to Do If You’re a Victim of Tax Identity Theft When it comes to filing tax returns, many people worry about completing every form correctly and according to the instructions. Unfortunately, taxpayers now have a bigger problem to contend with: the possibility that a scam artist may file a fraudulent return in their name. It happens all too frequently, according to the Internal Revenue Service, which estimates that it will process $21 billion in phony tax refunds next year.
4:51 Download
8/31/2015 Roth IRAs Vs. Roth 401(k)s According to an old adage, it’s better to tax the seed than the crop. And if you’re comparing traditional retirement accounts with Roth retirement accounts, that adage does seem to ring true. With traditional retirement accounts, the contributions (i.e., the seeds) are tax-deductible, reducing your income tax burden today. These contributions continue to grow tax-free until you need to access your account; that’s when you incur taxes on a much larger crop.
5:27 Download
8/6/2015 Emergency Funds: Preparing for the Unexpected You've probably heard how important it is to establish and maintain an emergency fund. Unfortunately, most people don't fully realize this until a money emergency is upon them. Are you financially prepared for a leaky roof? How about a broken-down car? If you lost your job, how long would you be able to support yourself and your family until you got a new one?
3:21 N/A
7/21/2015 Be Careful Where You Look for Yield What is referred to as both hard and cold and is loved by people old and young? Cash!
2:38 Download
7/6/2015 A Look at Education-Related Tax Incentives For families who are saving and paying for education, federal tax breaks are a great way to ease the financial burden. Here's an overview of some of the options.
7:06 Download
6/17/2015 Tips for Managing Your Finances After a Divorce Divorce is often a stressful event, both emotionally and financially. If you’re in the process of a divorce proceeding (or have recently been through one), it’s normal to be worried about your financial situation. Settling into a new financial life takes time, but there are things you can do today to help prevent divorce from taking a bigger toll than necessary. Here, we offer guidelines to help you stay financially secure, today and into the future.
4:55 Download
6/3/2015 Volatility – One of the Biggest Threats to Your Savings This podcast takes a look at how volatility affects your portfolio when you’re saving for retirement.
3:33 Download
5/27/2015 So You Want to Buy a Vacation Home… As the weather warms up, many people are thinking about summer plans—and possibly dreaming of buying a vacation home. Although the idea of having a permanent “home away from home” may sound appealing, purchasing a vacation property isn’t something to be entered into lightly. If you’re considering this major commitment, here are some important questions to ask yourself.
5:01 Download
5/12/2015 How Does that Loan Against My Insurance Policy Work? One benefit of buying permanent life insurance is the ability to obtain a loan from the insurance company using the life insurance as collateral. But how does it work?
2:17 Download
4/24/2015 Five Life Stages: Paths to Saving for Retirement When it comes to saving for retirement, your life can be divided into five stages, each with its own challenges. As you move through each stage, you should consider how much time is left until you retire, how much you can afford to invest toward retirement, and how much risk you are willing to take with your investments. Through proper planning and saving, retirement can be something you look forward to rather than something you worry about.
3:17 Download
4/15/2015 Does a Roth Conversion Make Sense For You? The Roth conversion presents a unique opportunity to investors looking for tax-free income during retirement. All individuals, regardless of income, are allowed to convert as much or as little of their IRA and eligible employer-sponsored plan assets as they want, so with some careful planning, this strategy can help maximize future retirement savings and add another layer of tax diversification to your portfolio.
4:08 Download
3/30/2015 Active Versus Passive Portfolio Management The supremacy of one school of thought over the other in the active versus passive investing arena is indeed a worthy debate. Both sides argue convincingly that their approach will generate better returns over time. But it can be confusing, even paralyzing, for average investors to make sense of the rhetoric and to develop a clear, disciplined strategy tailored to their individual needs.
3:50 Download
3/17/2015 What do lower oil prices mean to you? Since mid-2014, crude oil prices have been on the decline, causing gas and other oil-product prices to drop significantly. Although the long-term economic impact remains to be seen, this dramatic price change is affecting Americans' everyday lives in a number of ways.
2:49 N/A
3/4/2015 What to do if you lose your smartphone Losing your smartphone isn't just inconvenient. If your phone falls into the wrong hands, you could be at risk of identity theft. Fortunately, there are steps you can take to help you find your phone—and mitigate any potential data losses..
3:18 N/A
2/18/2015 The Rule of 72 You might wonder when your money is really going to kick into high gear and start paying off for you. Well, the Rule of 72 can help you figure it out.
1:45 N/A
2/2/2015 How Do They Get It So Wrong ? (By Sheldon McFarland, VP, Portfolio Strategy & Research, Loring Ward Most of us hate uncertainty. And it’s our dislike of uncertainty that keeps the weather man and economic forecasters employed. But when was the last time you checked your favorite forecaster’s track record before acting on his or her prognostication? Chances are never.
3:54 Download
1/19/2015 Magic Age: What You Need to Know About Social Security Claiming Strategies You may have heard that choosing the right social security claiming strategy can help you and your spouse maximize your benefits. But which strategy is best? What’s the appropriate age to claim? What about spousal benefits? If you’re wondering which path to take, these social security basics may help you get started.
5:54 Download
12/22/2014 Are You Getting What You Ordered? (By Sheldon McFarland, VP, Portfolio Strategy & Research Loring Ward) It’s Friday night and you just got home after a long day at work. You kick off your shoes, grab the TV remote and open up the box of piping-hot pepperoni pizza your favorite pizza joint just delivered… But when you open the box, you find only about half of your pizza has pepperoni on it. Believe it or not, something similar can happen to your investments.
2:54 Download
12/8/2014 Inheriting Debt from a Family Member When a loved one passes away, his or her outstanding debt (and how that debt will be paid) likely won’t be the first thing on your mind. Unfortunately, many people find themselves dealing with a deceased family member’s creditors as they grieve. While no one likes to think about a loved one’s passing, it makes good financial sense to consider these matters ahead of time.
4:37 Download
11/24/2014 Health Savings Accounts Vs. Flexible Spending Accounts Both of these options allow you to use pretax dollars to offset out-of-pocket health care costs. This podcast helps outline the differences of each plan.
4:43 N/A
11/10/2014 Protecting Your Small Business from Data Theft Data breaches at high-profile companies have been in the news lately, but big businesses aren't the only ones at risk. In fact, in a survey conducted by the Ponemon Institute, more than half of small businesses reported falling victim to a data breach. Here, we'll highlight a few basic techniques for protecting sensitive information and discuss why you might want to consider cyber liability insurance.
3:48 N/A
10/27/2014 A Teacher’s Guide to Student Loan Forgiveness With another school year right around the corner, it's a good time for teachers to start looking into their own student loans. Programs designed to encourage teachers to stay in the profession, including those outlined here, may help you reduce or eliminate your student loan debt.
3:14 N/A
10/13/2014 The TV Debate: Should You Cut the Cable Cord? If you think your cable bill is getting out of hand, you’re not alone. The cost of cable has skyrocketed over the last decade, with the average monthly bill climbing to nearly $90 for basic and premium channels, according to the NPD Group, a market research firm.
4:34 Download
09/29/2014 Preparing Your Student for Financial Responsibility For many parents, the thought of a child heading off to college is both exciting and scary. Whether your child is going away to school for the first time or returning for another year, he or she may need help managing money and credit. This podcast outlines some tips you can use to prepare your child for the financial independence of the college years.
5:00 Download
09/15/2014 Understanding Your Social Security Options As you near retirement, you're bound to have many questions about social security. Deciding when to start taking benefits is one of the most important considerations, as it can affect the amount of your monthly payment. Let’s answer 7 frequently asked questions.
5:29 N/A
09/02/2014 Rental Car Insurance: Are You Covered? For many people, summertime means vacation. If your trip involves renting a car, reviewing the various insurance options ahead of time can help you avoid spending more than you need to. Here are some key questions to ask before you arrive at the rental counter, plus tips for getting the most bang for your car-rental buck.
4:28 Download
08/18/2014 Avoiding Permanent Losses, (By Sheldon McFarland, VP, Portfolio Strategy & Research Loring Ward) This podcasts helps investors understand the difference between a temporary decline and a permanent loss.
5:48 Download
08/04/2014 Talking to Your Aging Parents About Their Finances Each day between 2011 and 2030, 10,000 baby boomers will celebrate their 65th birthdays. As the boomers grow older, their middle-aged children may find themselves in a challenging situation: providing financial assistance to their parents as well as their own kids.
3:14 Download
07/21/2014 Encore Careers: Becoming Your Own Boss Over the past decade, Americans ages 55–64 have been at the head of the startup pack, launching more businesses than any other demographic. Armed with knowledge, skills, and professional networks cultivated in their previous careers, this new wave of baby boomer entrepreneurs is showing that they have what it takes to launch successful businesses later in life.
4:25 Download
07/07/2014 How Your Savings Can Impact Financial Aid If you’re like many parents, you may be wondering whether saving too much for college will decrease your child’s chances of receiving need-based federal financial aid. Here’s an overview of how different types of assets fit into the financial aid equation.
4:18 Download
06/23/2014 Why Disability Insurance May Be An Important Aspect Of Your Financial Plan Each year, approximately one in eight people becomes disabled. This podcast explores using disability insurance to protect income and the key definitions when designing a policy.
4:04 Download
06/09/2014 Exploring Long Term Care This podcast sheds a little light on the subject of long-term care, answering the questions: what is long-term care, what type of care to people generally need, how can long-term care be funded and what is the partnership program.
4:26 Download
05/27/2014 Portfolio Overlap: Too Much of a Good Thing As a general rule, investing your money in different types of assets is a good way to reduce the risk of loss in your portfolio. But, does it guarantee a diversified portfolio?
2:41 Download
05/12/2014 Life Insurance: Which Policy is Best for You? This podcast helps answer the questions: How do you decide between permanent and term life insurance? Which policies carry risk and which are guaranteed? And, when it’s all said and done, which policy will cost most? (Guarantees are based on the claims-paying ability of the issuer)
3:57 Download
04/28/2014 Rollovers Explained This podcast sheds some light on what, when and why a rollover would be performed.
3:42 Download
04/14/2014 The Marijuana Industry: Investors See Green
(By Brian McCormick and Mike Cornacchioli)
Does this “new,” green industry present a good investment opportunity?
1:53 Download
04/1/2014 A Financial Checklist You Can Handle, Part 2 4 Financial Planning items to check off your list for the second quarter of the year.
1:53 Download
03/17/2014 How to Lose Money Enjoy these tongue in cheek instructions on how to achieve poverty and Sainthood!
2:42 Download
03/03/2014 What is asset allocation? This podcast explains a common diversification technique used throughout the financial industry.

Asset allocation programs do not assure a profit or protect against loss in declining markets. No program can guarantee that any objective or goal will be achieved.


2:43 n/a
02/18/14 Planning Basics for Newlyweds and Engaged Couples Did you recently say “I do?” Here are 8 planning basics for newlyweds and engaged couples.
3:09 Download
02/03/14 How Secure is Social Security Social Security for those at or close to retiring should be paid as planned (at least that's what most of the politicians say). But what about the rest of us? 3:07 Download
01/22/14 A Financial Checklist You Can Handle, Part 1 7 Financial Planning items to check off your list for the first quarter of the year. 2:41 Download