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<video:title><![CDATA[Looking Ahead at 2022: Financial Forecast]]></video:title>
<video:description><![CDATA[www.bradsahwweilgroup.com 
270-444-7291 

In this video we are going to go over a little bit about what the market has in store for us in 2022. As we get into 2022, one of the top issues on consumer&rsquo;s minds is inflation. We have all seen the increase in cost of groceries, gas, and other consumer products. Another concern with inflation that consumer&rsquo;s may not be thinking about is whether the rise in inflation rates will cause the Fed to raise interest rates. 

In my opinion, these are the top two issues to look at as far as market impact in 2022. You might ask about the impacts of Covid. Covid has been going strong for two years, but we are hoping to see some relief from it as new information emerges about the omicron variant. If Covid continues to surge and we see more government shutdowns, then we will likely see economic impact from that. 

Additionally, continuing the government stimulus into 2022 could impact the market. The market is very volatile when looking at short periods of time. I would even consider one year to be short term for the stock market. It is impossible to predict what the market will do in the short term Potential factors for the market to have a positive year include inflation reaching it&rsquo;s peak and leveling off. If inflation levels off, then the Fed won&rsquo;t have to raise the interest rates to combat the inflation which will be very helpful for the stock market and overall economy. Potential factors for the market to have a negative year include inflation continuing out of control or the Fed raising interest rates too quickly. Corporate earnings might not be as robust as we like. Another issue we continue to deal with is Covid. In a worst-case scenario, we end up with stagflation; a slowing economy coupled with inflation. 

Political elections coming up in November could also have an impact on the stock market. Historically the stock market has favored split government because it keeps either party from going too far either direction.]]></video:description>
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<video:duration>435</video:duration>
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<video:publication_date><![CDATA[2022-03-31T14:56:27Z]]></video:publication_date>
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<video:title><![CDATA[How Much Is Enough To Live on In Retirement?]]></video:title>
<video:description><![CDATA[It isn&#039;t about the &quot;magic number&quot; like you might think. Listen to learn more.]]></video:description>
<video:content_loc><![CDATA[https://www.youtube.com/watch?v=SOpPjITDaJs]]></video:content_loc>
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<video:duration>198</video:duration>
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<video:publication_date><![CDATA[2021-12-28T21:20:40Z]]></video:publication_date>
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<video:title><![CDATA[Can I Manage My Own Investments]]></video:title>
<video:description><![CDATA[270-444-7291

Can you manage your own investments? That might not be the right question to ask. The answer is likely yes. You can manage your own investments but do you want to? What all goes into managing your investments. It might be more of a time commitment than you are willing to give. 

If you have questions or would like more information about our retirement and investment management services give us a call or head to our website.]]></video:description>
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<video:publication_date><![CDATA[2021-12-01T22:14:31Z]]></video:publication_date>
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<video:title><![CDATA[5 Common Mistakes to Avoid in Retirement]]></video:title>
<video:description><![CDATA[http://www.bwwealthmanagement.com 

(270) 444-7291 

You&rsquo;ve been saving for your retirement for decades. Don&rsquo;t undermine your own plans by making these 5 common mistakes when you retire.
 
First, don&rsquo;t retire too soon. Lifespans are increasing and many retirees underestimate their life expectancy when calculating the money needed to live on. 

The second mistake to avoid? Spending too much in the first years. It&rsquo;s easy to overspend while playing with your newfound freedom, but it can cause shortfalls later in life. Budget accordingly and stick to your plan. 

The third mistake is underestimating medical expenses - and overestimating Medicare benefits. Avoid surprises by factoring in enough money to supplement Medicare and consider buying added health insurance to fill in any gaps. 

Another mistake is taking Social Security benefits too early. You can claim benefits at age 62, but the longer you wait, the higher your monthly benefit will be. 

Lastly, don&rsquo;t fail to do estate planning. An estate plan and a will maximizes the chances that your wishes will be followed and your assets will go where you dictate. 

It&rsquo;s easy to make mistakes in the beginning stages of retirement - for more information, please give us a call or stop by our website today. 

https://youtu.be/xcFRM0hLJbg?list=PLXIMvvTTSEVzovloUiSLODamlfw9GRXQV]]></video:description>
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<video:publication_date><![CDATA[2021-11-08T17:03:22Z]]></video:publication_date>
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<video:title><![CDATA[Avoid IRA Rollover Mistakes]]></video:title>
<video:description><![CDATA[http://www.bwwealthmanagement.com (270) 444-7291 

If you&rsquo;re changing jobs or retiring, it&rsquo;s important to know the rules regarding moving funds from your employer sponsored retirement plan. 

The wrong move could cost you in income taxes and early withdrawal penalties. 

There are two basic ways to move retirement plan assets from one retirement plan into another with no tax consequence. 

With a direct rollover your financial institution or plan directly transfers the payment to another plan or IRA; no taxes are withheld and your account continues to grow tax-deferred. 

With an indirect rollover, a check is made payable to you. You have 60 days to deposit it into a Rollover IRA - but indirect rollovers are subject to 20% withholding. 

For example, if you had $10,000 eligible to rollover, your employer would withhold $2000 and you&rsquo;d get a check for $8,000. You&rsquo;ll get the $2000 that was withheld back when you file a tax return, either as a refund or a credit toward any tax owed. 

However, in 60 days you still have to deposit the entire $10,000 in a rollover account - the $8,000 from your employer plus $2000 from your own resources. Any amount you don&rsquo;t rollover is considered income, and subject to taxes when you file your return. You could also face a 10% early withdrawal penalty, depending on your age. 

To learn more about how to avoid complications with a retirement plan rollover, give us a call today. 

https://youtu.be/U5vJkz3WmCg?list=PLXIMvvTTSEVzovloUiSLODamlfw9GRXQV]]></video:description>
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<video:title><![CDATA[5 Important Medicare Facts for Pre Retirees]]></video:title>
<video:description><![CDATA[http://www.bwwealthmanagement.com (270) 444-7291 

Most Americans who turn 65 are eligible for Medicare, a federal program that covers many health expenses for seniors. 

But the program is complicated. Here are 5 important facts you need to know: 

First - Medicare is not free. Of the 4 parts, Part A - Hospital Insurance - is the only one that normally has no premium. Parts B, C and D have premiums that vary. 

(Illustration: Image or chart of: Part A - Hospital Insurance (hospital care; physical therapy) Part B - Medical Insurance (doctors, lab tests, wheelchairs) - Part C - Medicare Advantage Plan (like an HMO or PPO) Part D - Drug Coverage (Prescription bottle). 

Second - Enrollment is not automatic - you have to sign up for Medicare benefits. The exception is for those already receiving Social Security benefits. If you&rsquo;re already receiving Social Security benefits, you will automatically receive Medicare Parts A and B. 

Third - Late enrollment can mean expensive, and permanent, premium penalties. You have 7 months, starting 3 months before your 65th birthday month, to sign up penalty-free. 

Fourth - Medicare covers a lot, but not everything. Services like long-term care, dental and vision care are not covered. People often purchase additional private coverage for these types of services. 

And fifth, if you&rsquo;re rich you&rsquo;ll pay more. High-income seniors pay surcharges on premiums for both Parts B and D. Let us help you with your important Medicare decisions - give us a call or visit or website today! 

https://youtu.be/0l2qw8EIv-w?list=PLXIMvvTTSEVzovloUiSLODamlfw9GRXQV]]></video:description>
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<video:title><![CDATA[Do You Know The Silent Killer For Retirees?]]></video:title>
<video:description><![CDATA[http://www.bwwealthmanagement.com (270) 444-7291 

The medical profession refers to high blood pressure as the silent killer. In investing, the silent killer is INFLATION. 

The minimum return on any retirement investment must be at least equal to inflation. Here&rsquo;s why. 

Suppose your retirement goal is to withdraw $90,000 per year from your IRA. To maintain your purchasing power you must adjust your withdrawal amount for the inflation factor. 

That means that to get $90,000 per year at an inflation rate of 3%, your withdrawal amount in year 15 would be $140,217.
 
Are you on track to manage inflation during your retirement? 

To learn more, give us a call today, or visit our website. 
https://youtu.be/P1qESegUcwY?list=PLXIMvvTTSEVzovloUiSLODamlfw9GRXQV]]></video:description>
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<video:title><![CDATA[Don't Let Timing Ruin Your Retirement]]></video:title>
<video:description><![CDATA[http://www.bwwealthmanagement.com (270) 444-7291 

Did you know that one of the greatest risks to your retirement portfolio can happen in the first years you retire? The timing of when you begin withdrawing money from your investments can dramatically impact your long-term wealth. 

It&rsquo;s called sequence-of-return risk, and the danger is very real. When you make regular withdrawals from investments while market returns are down, your portfolio shrinks faster because the investments are worth less.
 
If that happens early in retirement, it&rsquo;s more difficult to rebuild your assets and get back on track -you could even deplete your portfolio before the good returns show up.

 But there are ways to protect yourself from negative returns in the early years of your retirement, including reducing risk in your portfolio and modifying spending in down market years. 

For more information on how to achieve a successful retirement, call or visit our website today. 

https://youtu.be/B8zN0taGOxo?list=PLXIMvvTTSEVzovloUiSLODamlfw9GRXQV]]></video:description>
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<video:publication_date><![CDATA[2021-11-05T14:34:35Z]]></video:publication_date>
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