Have you ever thought about the lasting impact of your words on your loved ones? On this episode of Metcalf Money Moment, hosts Jeb, Ethan, and Eric sit down with Blake Brewer to explore the power of the Legacy Letter—a heartfelt parent-child letter filled with meaningful words that stand the test of time. Blake shares his deeply personal story of loss and how a letter from his late father changed his life, inspiring him to help others leave behind a legacy of love and wisdom. From the essential components of crafting a letter to the profound influence it can have on future generations, this conversation will leave you inspired to put pen to paper.

IN THIS EPISODE:

• (00:00) Opening and introduction
• (01:28) Blake reveals how the Legacy Letter came to be and the heartbreaking way his dad passed
• (08:57) Blake shares when he wrote his letter and decided to found Legacy Letter
• (11:28) The components of compiling meaningful words to leave as a legacy and the timing of giving the letter of reflection
• (17:53) It’s never too late to write the letter, and Blake discusses the partnership with Metcalf Partners
• (22:05) Blake shares an example of the results of a Parent-Child letter

KEY TAKEAWAYS:

• Blake Brewer’s life was profoundly impacted by a letter his father wrote to him before passing away unexpectedly. This letter provided love, guidance, and hope during his darkest moments, helping him grieve in a healthy way.
• Blake turned his tragedy into a mission to help others. He founded The Legacy Letter, intending to assist a million people in writing impactful letters to their children and loved ones, ensuring their voices and values live on.
• Writing a legacy letter is a powerful and emotional process that can profoundly impact both the writer and the recipient, even if its full significance isn't realized immediately.

RESOURCES:

Metcalf Partners - Website

Jeb Graham - LinkedIn

Ethan Hutchison - LinkedIn

Eric Wymore - LinkedIn

Legacy Letter - Website

Blake Brewer - LinkedIn

Legacy Letter Challenge - Instagram

GUEST BIOGRAPHY:

Blake Brewer is a visionary leader and the founder of Legacy Letter Challenge, an organization with a mission to help 1 million people write at least one Legacy Letter to their children. Blake's powerful story and mission have touched the hearts of many, and he continues to share it with organizations, businesses, and communities across the country. Most recently, he was featured on the "Dads Got This" segment on NBC's Today Show.

ABOUT THE HOSTS:

Jeb Graham:

Jeb is the CEO and Managing Partner at Metcalf Partners Wealth Management. Before founding Metcalf Partners, he was a financial advisor in Overland Park, Kansas. Active in the Kansas City community, Jeb serves on the Kansas City Chapter Board of Entrepreneur Organization (EO). He holds a finance degree from Kansas State University and a CFP® designation, and he received additional executive education in retirement planning from

Are you feeling uncertain about your investments in today’s turbulent market? You’re not alone. In this episode of Metcalf Money Moment, hosts Jeb, Ethan, and Eric break down the psychology of investing and how to navigate the ups and downs of the stock market with confidence. From understanding the emotional rollercoaster of fear and greed, to exploring strategies like diversification, downside protection, and opportunistic rebalancing, this conversation will equip you with the tools to stay level-headed and make smarter financial decisions. Tune in to learn how to harness the power of long-term thinking and make the psychology of investing work for you!

IN THIS EPISODE:

• (00:00) Opening and introduction
• (00:48) Discussion of the turbulent markets and the psychology of investing
• (02:41) The peak-to-trough cycle and the emotional rollercoaster of fear, greed, recency bias and confirmation bias
• (07:29) Discussion of diversification and market predictions
• (12:45) Defining downside protection and
• (16:18) Defining opportunistic rebalancing
• (19:29) Jeb summarizes what the psychology of investing is and how to make it work for you

KEY TAKEAWAYS:

• Market fluctuations are a natural part of investing, following a cycle of emotions from euphoria to fear. Understanding this cycle helps investors avoid impulsive decisions driven by short-term emotions.
• Spreading investments across different asset classes (stocks, bonds, international markets, etc.) helps mitigate risk, ensuring that a downturn in one area doesn’t disproportionately impact the entire portfolio.
• While short-term volatility is inevitable, history shows that markets tend to recover and grow over longer horizons. Maintaining a long-term outlook helps investors stay resilient through market corrections and downturns.

RESOURCES:

Metcalf Partners - Website

Jeb Graham - LinkedIn

Ethan Hutchison - LinkedIn

Eric Wymore - LinkedIn

DISCLAIMER:

This information is not intended to be a substitute for specific individualized tax or legal advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor.

ABOUT THE HOSTS:

Jeb Graham:

Jeb is the CEO and Managing Partner at Metcalf Partners Wealth Management. Before founding Metcalf Partners, he was a financial advisor in Overland Park, Kansas. Active in the Kansas City community, Jeb serves on the Kansas City Chapter Board of the Entrepreneur Organization (EO). He holds a finance degree from Kansas State University and a CFP® designation, and he received additional executive education in retirement planning from Wharton.

Ethan Hutcheson:

Ethan is a Partner and Financial Planner at Metcalf Partners. He is passionate about helping people prepare, plan, and execute. With a career in Financial Services, his expertise spans Financial Planning, Tax, and Investment Management. Outside of work, Ethan enjoys hunting, cycling, and outdoor activities with his wife, Shanna, and their sons, Rhett and Levi.

Eric Wymore:

Eric is a Partner and Wealth Manager at Metcalf Partners Wealth...

How much money do you need to retire comfortably, and when is the best time to take Social Security? In this episode of the Metcalf Money Moment, hosts Jeb, Ethan, and Eric dive into the key components of retirement planning. They discuss the early retirement dichotomy, how much money you need to retire comfortably, and the complexities of managing retirement accounts. The conversation also explores the crucial decision of when to take Social Security, navigating the often overlooked topic of health insurance in retirement, and concludes with the bottom lines for anyone planning for the future. Whether you're thinking about retiring early or just starting to plan, this episode offers valuable insights for every stage of retirement planning.

IN THIS EPISODE:

• (00:00) Opening and intro
• (00:49) Retirement planning
• (04:00) How much money do you need to retire
• (09:40) Discussion of retirement accounts
• (16:10) When do I take social security
• (21:33) What about a health savings account
• (25:25) The bottom line - a final word the steps to take to when planning for retirement

KEY TAKEAWAYS:

• To retire early, individuals must address critical factors like how much money they need, when they can access retirement accounts, when to take Social Security, and how to handle health insurance costs before Medicare eligibility at 65.
• Individuals should start planning for Medicare around age 62 or 63, as Medicare uses a two-year income lookback period to determine costs. Proper planning can help manage income levels to optimize Medicare premiums.
• Health Savings Accounts (HSAs) are a valuable tool for covering healthcare expenses in retirement. They offer triple tax advantages, grow tax-free, and can be used for qualified medical expenses, making them a strategic financial asset.

RESOURCES:

Metcalf Partners - Website

Jeb Graham - LinkedIn

Ethan Hutchison - LinkedIn

Eric Wymore - LinkedIn

DISCLAIMER:

This information is not intended to be a substitute for specific individualized tax or legal advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor.

ABOUT THE HOSTS:

Jeb Graham:

Jeb is the CEO and Managing Partner at Metcalf Partners Wealth Management. Before founding Metcalf Partners, he was a financial advisor in Overland Park, Kansas. Active in the Kansas City community, Jeb serves on the Kansas City Chapter Board of Entrepreneur Organization (EO). He holds a finance degree from Kansas State University and a CFP® designation, and he received additional executive education in retirement planning from Wharton.

Ethan Hutcheson:

Ethan is a Partner and Financial Planner at Metcalf Partners. He is passionate about helping people prepare, plan, and execute. With a career in Financial Services, his expertise spans Financial Planning, Tax, and Investment Management. Outside of work, Ethan enjoys hunting, cycling, and outdoor activities with his wife, Shanna, and their sons, Rhett and Levi.

Eric Wymore:

Eric is a Partner and Wealth Manager at Metcalf Partners Wealth Management. His career has been dedicated to wealth management. As an Accredited Investment Fiduciary, he prioritizes acting in clients’ best...