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  • 3 Opportunities in a Down Market + Your 401K is NOT a Retirement Plan - May 3, 2025

    3 Opportunities in a Down Market + Your 401K is NOT a Retirement Plan - May 3, 2025
    2025/05/03
    The radio podcast episode features Jerry and Nick Royer, hosts of "On The Money," discussing strategies for retirement planning and addressing concerns regarding market volatility, taxes, and risk management. The Royers emphasize the importance of having a well-rounded financial plan that includes multiple income sources, growth potential, and tax efficiency, likening it to a DC-10 aircraft needing all three engines to stay airborne.

    What are some opportunities to try and take advantage of in a down market? And why is your 401K not the only part of a retirement plan? Plus, Nick & Jerry clear up six common myths about retirement on this week's show.


    For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/
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    58 分
  • Black Swans & All Weather Approaches - April 26, 2025

    Black Swans & All Weather Approaches - April 26, 2025
    2025/04/26
    This week's "On the Money with Jerry and Nick Royer," features discussions revolving around financial planning and retirement strategies. Jerry and Nick Royer, retirement wealth specialists and media contributors, tackle various topics such as tax efficiency, healthcare, legacy planning, and protecting against market risks. The show highlights the importance of having a comprehensive financial plan to navigate both favorable and unfavorable market conditions.

    Throughout the podcast, the hosts emphasize the impact of rising government debt on taxes in retirement, especially with the anticipated expiration of the Tax Cuts and Jobs Act. They educate listeners on how crucial it is to prepare for potential tax increases and the importance of optimizing retirement savings.


    For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/
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    58 分
  • Navigating Market Volatility and Preparing for Recession - April 12, 2025

    Navigating Market Volatility and Preparing for Recession - April 12, 2025
    2025/04/12
    In this episode of "On the Money with Jerry and Nick Royer," the financial duo dives deep into the concerns surrounding current market volatility and the looming question of whether we are heading towards a recession. Jerry and Nick draw comparisons to the Great Recession of 2007-2009, highlighting recent market fluctuations and increased volatility. They discuss the significant impact of the "Magnificent Seven" (tech giants like Apple, Microsoft, and Amazon) on the NASDAQ index and stress the importance of having a balanced portfolio that accounts for market cycles. Throughout the episode, they address the natural market corrections that occur approximately every 18 to 24 months and emphasize the necessity of proactive financial planning to weather these downturns.

    Jerry and Nick also tackle the concept of "reverse dollar cost averaging" and its effects on retirees' portfolios during market declines. They stress the importance of having an asset protection plan, which includes a balanced mix of growth-oriented and principal-protected investments.


    For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/
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    58 分
  • DIY Pitfalls, Financial Jargon and an Upcoming Event - April 5, 2025

    DIY Pitfalls, Financial Jargon and an Upcoming Event - April 5, 2025
    2025/04/05
    "On the Money with Jerry and Nick Royer" emphasizes the importance of professional financial guidance to secure a stable, low-risk retirement. Hosts Jerry and Nick Royer explain that a good financial advisor can significantly increase net returns through comprehensive strategies including behavioral coaching, asset allocation, rebalancing, and tax planning. Drawing parallels with sports, they illustrate that small, consistent improvements, akin to coaching in golf, can lead to substantial long-term benefits. The podcast underscores the common pitfalls of DIY investing, such as emotional decision-making and tax inefficiencies, advocating for professional assistance to avoid these errors.

    The Royers stress the value of a holistic retirement plan that encompasses multiple facets of financial management, including investment, income, tax, healthcare, and estate planning. They caution against the "set it and forget it" mindset, asserting that continuous management and adjustments are necessary to maintain a healthy financial portfolio.

    For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/
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    58 分
  • Recent Market Volatility & Four Retirement Pillars - March 22, 2025

    Recent Market Volatility & Four Retirement Pillars - March 22, 2025
    2025/03/22
    In this episode of "On the Money with Jerry and Nick Royer," the father and son team focus on essential strategies to secure a successful retirement. They tackle key issues such as market volatility, tax planning, and the importance of diversification in investment portfolios. Jerry and Nick explain how the stock market's recent ups and downs impact retirement funds and offer insights into creating a balanced portfolio that minimizes risk. The hosts emphasize the significance of performing a stress test on your investments to understand the potential impacts of a market downturn on your retirement plans. They also highlight the need to protect your savings from paying too much in taxes by properly allocating funds across tax-now, tax-later, and tax-never buckets.

    The episode introduces the concept of four pillars for retirement: protection, growth, income, and liquidity. Jerry and Nick outline the importance of having a comprehensive retirement plan that includes reliable income sources such as Social Security and pensions, as well as strategies for minimizing taxes and healthcare costs. The hosts stress that having a written financial plan is crucial and that many people may not realize their current strategies might not be sufficient. By leveraging their expertise, Jerry and Nick aim to help people build solid retirement plans that can withstand market fluctuations and secure their financial future.


    For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/
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    58 分
  • 4 Strategies for Navigating Market Volatility + 8 Steps to Healing Your Finances - March 15, 2025

    4 Strategies for Navigating Market Volatility + 8 Steps to Healing Your Finances - March 15, 2025
    2025/03/15
    In this episode of "On the Money with Jerry and Nick Royer," the hosts discuss various strategies to secure your retirement amidst market volatility and economic downturns. They emphasize the importance of having a well-balanced financial plan that includes both high-risk and low-risk investments. Jerry and Nick introduce two critical rules that highlight the regular occurrence of market corrections and crashes, suggesting that investors should always be prepared. They recommend maintaining a balance of "green money" (safe investments) and "red money" (more volatile investments), ensuring you don't have to sell at a loss during a market dip.

    The episode further explores the significance of rebalancing and re-aligning your portfolio, especially after market surges or downturns. Jerry and Nick stress the need for an emergency cash reserve and discuss the benefits of diversified investments, including principle-protected investments and structured notes, which can offer high-income potential with limited downside risk. They also provide tips on avoiding common pitfalls like fear-driven decisions and the lure of high-risk investments during economic booms.


    For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/
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    58 分
  • What is a Good Monthly Retirement Income - March 8, 2025

    What is a Good Monthly Retirement Income - March 8, 2025
    2025/03/08
    Are you aware of the common investing mistakes that could jeopardize your retirement savings? In this episode of "On the Money with Jerry and Nick Royer," the father-son financial coaching duo shares their insights on the five major investing pitfalls and how to avoid them. The episode dives deep into the emotional and psychological aspects of investing, such as the fear induced by sensational media headlines and the dangers of reacting impulsively to market fluctuations. Jerry and Nick emphasize the importance of having a solid investment plan that prioritizes long-term goals and strategic rebalancing to maintain financial stability.

    The discussion continues with practical strategies on managing risk appropriately according to your age and financial situation. The Royers share valuable guidelines like the "Rule of 100" to help listeners determine their optimal risk exposure. They also highlight the significance of regular portfolio rebalancing, intelligent tax planning, and seeking professional financial advice to navigate the complexities of retirement planning.


    For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/
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    58 分
  • A Good Monthly Retirement Income & Questions to Ask Your Financial Advisor- March 1, 2025

    A Good Monthly Retirement Income & Questions to Ask Your Financial Advisor- March 1, 2025
    2025/03/01
    In this episode of "On the Money with Jerry and Nick Royer," hosts Jerry and Nick dive into the essential strategies for securing a comfortable and sustainable retirement. The discussion kicks off with insights from the Bureau of Labor Statistics on average expenses for those 65 and older, emphasizing the importance of tailoring retirement plans to individual lifestyles and financial goals. The Royers highlight the significance of picturing your ideal retirement and developing a realistic spending plan that accounts for all facets of your current expenses.

    The episode further explores the various risks retirees face, such as inflation, longevity, and changes to social security. Jerry and Nick stress the importance of diversification, not only in terms of assets but also taxes. They break down the three critical tax buckets—tax now, tax later, and tax never—providing practical examples and strategies to optimize each. Listeners are guided through the process of creating a tax-efficient retirement plan that ensures more of their hard-earned money stays in their pockets rather than going to the government. If you've been trying to figure out the best way to prepare for retirement amidst economic uncertainties, this episode is a must-listen.


    For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/
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    58 分