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Dream Retirement

Dream Retirement

By Bertram Financial
The Dream Retirement Show is designed to help you feel confident about your retirement so you can focus on being who you want to be, do what you want to do, spend time with those you want to be with, and making an impact.

Most financial plans today are nothing more than sales gimmicks to get you to buy a certain product or service. Your plan needs to be coordinated with all aspects of your financial life; tax planning, cash flow management (including retirement income), investment positioning, and estate preservation.

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First Friday - All About Real Estate
Today we’re talking all about real estate. If you Google real estate right now you may find all kinds of things about the current housing market, how crazy it is, and how we are in this real estate bubble.     The main point that I want to bring up with all of this real estate craziness is that we need to know our current situation. We can control only what we can control and you know it's kind of one of those things that I can't worry about.     It makes me think of the Serenity prayer, right?     God, grant me the serenity to accept the things I cannot change, the courage to change the things that I can, and the wisdom to know the difference.     I think it's true that what I always think with that is we can't change what's going on outside.     We can't change the fact that there might be a housing bubble or that the stock market might crash.    What we can control is our situation. Read more here: 
May 10, 2021
Green Money: The Best Kept Secret In The Financial World
This week we are continuing our talk about investing safely with green money. As we continue to look at the different colors of money, this week we’ll cover green money, which includes fixed index annuities, IULs, and how you can have the best of both red and yellow money with this green money strategy which will help you with investing safely. Let’s just imagine that you’re going to be taking a trip to Las Vegas and you get the option when you’re in these casinos to play some BlackJack. Right now, there’s some of you who are like, “Oh my gosh, I would never gamble anything, I don’t want to play at all.” There are others who plan to be there all the time. And then there’s probably those of us in the middle who don’t really like to lose money, but it would be kind of fun to play and participate. So what if I told you that there’s a BlackJack table where for every $10 bet you make if you win, you get $5 instead of the full $10, but anytime you lose, you don’t lose any money. Now I don’t know about you, but I played that blackjack table all day long because I know I can’t lose. Yes, I might make only half as much on the upside of the bet, but I’m never going to take a downside loss. Well, that’s kind of what green money is like, which is what we’ll be talking about. Read the full article here:
May 4, 2021
Stock Market Investments: Red Money
This week we are continuing our talk about different stock market investments as we talk about red money, stocks, bonds, mutual funds, ETFs, and more. When I was a kid, I loved going on rides at fairs or amusement parks, the more spinning or going upside down, the better! I use to think that the adults that sat on the side just didn’t know how to have fun! But then I became an adult and the older I get, the less spinning I can handle! How about you? Just like our tolerance for rides changes over time, so does our risk tolerance. Read the full article here:
May 4, 2021
Investment Vehicles: What Is Yellow Money?
This week we’re talking about different investment vehicles. Part of that will be discussing the Colors of Money strategy what yellow money is. My son Asa is really into playing Fortnite. You may have heard of this video game if you have any grandchildren who like to play. In this game, and like many other games, there are different worlds. This really got me thinking about how this is similar to our Colors of Money strategy. When we look at investing and retirement and we go through the Colors of Money, we are deciding where we want to “play” or in what “world” we want our money to be. Often I will have someone ask me what the different investment choices are for them. The fact is, there are hundreds, if not thousands different investment options. Read the full article here:
May 4, 2021
401K Rollover Options
Our topic today is 401K rollover options. Recently, I’ve had quite a few people ask me, “How can I roll my 401K?” “Should I roll my 401K?” “When can I do it?” When talking about 401k rollovers, I can’t help but think of a song… Five bears in the bed and the little one said “I’m crowded, roll over” So they all rolled over, and one fell out. Now you might think what a silly song, but the more I think about it, it does apply. Sometimes you leave a job and leave your 401k, and then you might work at another job and leave it and before long you have all these 401ks sitting all over the place, your investment portfolio is crowded. It’s hard to be coordinated and it’s very easy for something to fall off the bed! Whether it’s just not coordinated with the rest of it your accounts or you forget you even have it! That’s probably not the best planning! But you also don’t want to roll over and lose anything. So should you roll a 401k or not? See the full post here:
May 4, 2021
Health Insurance Options
Welcome to our First Friday event where we’ll be talking about Health Insurance Options with Jim Crump of US Health Advisors. Oftentimes, there can be so many different health insurance options that it can be rather confusing. See more here:
May 4, 2021
Shifting Into Retirement
As people get closer to retirement, it is time to make a transition. One of those is shifting into retirement mode from active investing mode.   Investment positioning can greatly affect cash flow management (aka income), especially for someone who's getting close to or in retirement. As people get closer to retirement they don't want to see those big losses. Read this week's full blog here:
March 29, 2021
Building An Investment Portfolio
The simple truth is not all portfolios are not created equal. Understanding how your investment portfolio is positioned and how it can affect every other area in your financial life is really important. This goes beyond simple asset allocation, it not only involves the mix of asset categories but the what investments make up those categories in your portfolio and why. Read this week's full blog here:
March 22, 2021
Market Update: March 2021
We have seen recent gyrations in the stock market and the bond, but nobody really pays attention to the bond market, although we should. Today we’re speaking with Mike of United Asset Strategies, and the cool thing about Mike is as good as they are on the stock equity side, they have even deeper, stronger knowledge on the fixed income or bond side. Market volatility shakes people’s financial peace so we want to address this. See the latest post and more information here: Market Update
March 16, 2021
Does Gold & Silver Have A Place Inside My Portfolio?
During our First Friday LIVE this past week I spoke with Ryan Long, President of National Gold Consultants in Monticello, Minnesota. We focused on gold and silver and if they might have a place inside your investment portfolio. Why might you be interested in gold and silver as a form of investment? One thing to consider is that it is wealth insurance. When you consider traditional investments, they’re something that you trade and take out. With gold and silver, it is more of a long-term strategy. If you decide to invest this way, you’re investing for the long haul to get that protection. I think an important thing that we keep in mind is that because gold and silver is wealth insurance it needs to be coordinated. What do I mean by that? We need to make sure that this type of investment makes sense in your overall strategy. You can read the full blog here.
March 12, 2021
When Should I Take Social Security?
That's a question we hear often, and you may not like the answer so much. My answer is it depends. When I say that,  I often think of my kids where they ask me something all the time and the answer is often maybe. “Mom, can we go here?” “Mom, can I do this one?” Asking something all the time where my answer often is maybe. We'll see what the day brings. We'll see if you get your work done. We'll see if you listen. Maybe is dependent upon what they do. When we go to take social security, it depends is very much like the maybe answer. It depends on when you retire. What are your goals? There is no one perfect time that I can say that everybody should take social security. Read More Here
March 12, 2021
How Can I Create Income In Retirement?
When it comes to retirement, one of the biggest challenges we have to face is how to create retirement income. When you're working for years, one of the things that you get every couple weeks, or every month is a paycheck, right? You become very used to that paycheck and in retirement, we're not getting that paycheck anymore, which can be scary for some of us. Then it becomes a question of, “How do we recreate that?” How do we make sure that you’re getting a paycheck in retirement? To see the full blog, and many other free resources, visit our website.
February 22, 2021
Tax Credits To Help Communities
Join Michelle Bertram, owner of Bertram Financial, as she discusses Tax Credits to Help Communities in 2021 with Todd Mardis. Listen to learn more about how you can take advantage of new tax credits in 2021 to help your business and communities.
February 22, 2021
State of the Market In 2021
What type of risk do you have? Are you really diversified? What type of correlation you have? How is that going to get you to meet your goals? Listen as Michelle speaks with Jiorden Sanchez of United Asset Strategies and they discuss the state of the Market going into 2021 and how the current climate could affect your investment strategy moving forward.
February 8, 2021
What Is An Annuity?
What is an annuity? It is an investment vehicle and they are a great tool that will create retirement income. 
February 1, 2021
Should I Sell?
I was just on a phone call this week reviewing a client’s portfolio and the question they asked was, “Should I sell?” Considering all of the craziness of 2020, most accounts ended up with a gain at the end of the year. Even with the crazy downturn in the stock market in March, we saw a quick recovery, and most accounts that were in any type of growth ended the year with a gain.
January 30, 2021
Do I Need An Advisor?
Maybe you have handled all your finances up until now. You saved for retirement and now you’re wondering, do I need an advisor? Maybe this is something I don’t want to do by myself anymore. The question becomes if I do need an advisor, what kind of advisor do I need? Is it important that they are fiduciary? What about a fee-only advisor? How do I even know who to work with?
January 30, 2021
Life's A Daring Adventure, and I'm Not Done Yet
What’s gone on in the last year? Maybe your life over the last year, your life up until this point, especially if you’re in retirement or you’re almost ready to retire, review the things we review, what you like, review what you didn’t like, take time to really examine and think about who you are and what you want to do going forward. Is there something, is there a dream that you have that you push down and that you kind of neglected forever because you’ve been so busy with other things that you want to bring back to light? Take some time to review that. Life is a daring adventure. I think no more daring than this year. And I guess too, no matter what happens in the next few days, weeks, months, you know, take care of yourself and do the things that you’re passionate about.
January 30, 2021
End of Year Planning
Welcome to our First Friday series that we’re doing on the First Friday of the month at 12:30 pm CST. We’re going to be LIVE on Facebook and talking about a different topic each time and this month the topic is “End of Year Planning.” I know that this is a conversation that is on a lot of people’s minds right now, so I thought this topic would be timely in December and look forward to 2021. Many people right now are asking what they should be doing with regards to end of year planning, so we’re going to cover a couple of things today.
January 30, 2021
Tax Planning and Investing
I want to talk today about tax planning and how it relates to investing. In our financial life, there are really four quadrants. There is the tax planning quadrant, then we have cash flow, which includes retirement income, investment planning, and then estate preservation. What happens a lot is people will focus on whatever area they’re in, investing for example, but the fact is whatever you do with investments can affect the other areas of your financial life. It can affect your income and it definitely can affect your taxes.
January 30, 2021
The Secrets of Investing: The Good and Bad of Mutual Funds
Today we’re talking about a topic that I think is going to be very interesting to most of you. Almost everybody that I’ve met or talked to has mutual funds or ETFs now or has had them. I think they’ve thought that it’s the best way to invest, to be diversified. I kind of call it the diversification pixie dust. They think, “I have all these funds so I’m diversified,” but there’s a lot of inefficiencies with them. On the flip side, bond funds. As much as there are inefficiencies in the mutual fund market, the bond funds are probably even more inefficient. The bond market is very inefficient, especially versus the equity market or the stock market. And the reason for that is because there are just so many different issuances of different bonds that are out there.
January 30, 2021
The Election and The Market
Let’s talk about the election and the market. As you know, the market experiences quite a bit of volatility around election time and we’re here to talk post-election and what that will look like for your investments. Welcome to our First Friday series, hosted the first Friday of each month by Michelle Bertram. Today she is speaking with Guy Riccardi, Portfolio Manager for United Asset Strategies.
January 30, 2021
Health Insurance After Retirement
Answering the health insurance question of where you’re going to get health coverage sometimes becomes one of the biggest hurdles to retirement or one of the most important factors in your retirement plan. Before you reach the age of 65 you have to get some type of private insurance coverage and after the age of 65 you can go on Medicare. That also means that you’re going to need some type of Medicare supplement or Medicare Advantage plan as well as a Medicare Part D prescription plan. Let’s break down all of these plans. Whether you’re looking to retire before 65 or you just need health insurance before then you have a couple of options.
January 30, 2021
How Is The Election Going To Affect The Market?
How is the election going to affect the market? That’s a question I hear continually, almost every day right now. And Guy, you’re probably getting the same questions. Right. Everybody’s concerned about this. It’s not just this year, but any election year. So give us a couple of thoughts from your perspective with portfolio management and money management, what are you seeing? How do you think that this election could affect the market? The first thing that I’m telling people when we’re having these conversations is that as much as the political headline news is right up front, in everybody’s face, driving concern and anxiety, but when we actually take a deeper dive into what is fundamentally or structurally impactful for the stocks, it kind of pales in comparison to fundamentally what is happening with the federal reserve right now.
January 30, 2021
How Will The Election Affect The Stock Market?
How is the election going to affect the stock market?  It doesn't matter what side of the aisle you're on, there's a lot of fear concerning the election and how it will affect the stock market. There are also a lot of articles circulating right now discussing how the market will perform depending on which party is in office or will it be better for the market if the incumbent candidate wins? There are all kinds of stories and speculation out there right now, but here's what I can tell you, nobody knows exactly what's going to happen with the market. Anyone who tells you that they do know is lying. That's the truth of it.
January 30, 2021
Do I Need Life Insurance?
“Do I need life insurance in my retirement plan?” There is not a one-size-fits-all answer. As with a lot of things, the answer depends on your overall plan. Let’s talk about some of the living benefits of life insurance today and when you could use them. So, if you're not sure where to start I would suggest going through the Four Steps of Creating Your Dream Retirement video course that we have on our website. It will walk you through some of the things that you need to do to make sure that you have in place before you figure out where or if life insurance fits. If you have questions on anything we talked about specifically or would like to see one of the reports I mentioned, then make sure you schedule a call and we'll get that report to you.
January 30, 2021
The Greatest Threat To Retirement Is Procrastination
What do you think is the greatest threat to your retirement? Is this election and who may win? Maybe you think it's the Democrats, maybe you think it's the Republicans, maybe you think it is taxes, maybe the greatest threat to your retirement is inflation, or what the government might do. When I asked a question there could be a hundred different answers.  Right now, considering the current climate with COVID and uncertain futures, you may think that at this moment the greatest threat to your retirement is things outside of your control. But that is not the case, in fact, none of these things are the greatest threat to your retirement. The greatest threat to your retirement is procrastination.
January 30, 2021
Should I Buy Gold and Silver?
Should I buy gold and silver coins or should I invest in gold and silver ETF funds? That's a question we often hear. In fact, in this last year, it has become more and more prominent. I spoke with one of our gold and silver experts in July and he was saying that more silver went into ETF funds in the previous three months than in any time in history. So the topic of gold and silver has been hot! In general, make sure that your entire plan is taken care of before you start investing in other areas like gold and silver. If you have questions or if you’re unsure if you have a solid plan in place, watch The Four Steps to Dream Retirement to walk through your plan.
January 30, 2021