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Financial and retirement planning guidance for residents of Nebraska and beyond! You’ll learn about risk, investments, 401(k)s, IRAs, rollover strategies, how to find the right advisor, Social Security and many more topics. Your host is Marc Werkmeister, a Certified Financial Planner (CFP) with Professional Financial Advisors. They have offices in North Platte, Scottsbluff, Kearney, Lincoln, and Grand Island. Visit MakeRetirementWork.com for more episodes and information about how Marc can h ...
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Mailbag- Roth Contribution Limits, Saving For College and More
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18:14
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We’ve received some great questions from clients recently. For instance, if you got a raise at work, but your household now makes too much money to contribute to a Roth IRA, what do you do? Where should your investments go if you like tax-free growth? Tune in to this episode as Marc answers this question and others, like how to use a health savings…
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Debt Ceiling Update and Playing the Long Game
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16:12
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Today we’re tackling two meaty topics – the debt ceiling and playing the long game in investing. Last show, we talked a lot about the debt ceiling, so we wanted to give you an update. The Federal Reserve met recently and decided to pause rates, which was to be expected. In the media, it was doom and gloom last month, and now they’re not talking abo…
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Ep 40: What is a Debt Ceiling and Why Does it Matter to You?
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Today we're talking about the U.S. debt ceiling. You might be wondering, what is that? It’s basically a limit on the total amount of money our government is authorized to borrow. U.S. Treasury Secretary, Janet Yellen, says our country has enough money to pay our bills until June 1, so we’re coming up against that deadline. The president and House a…
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We have a lot to talk about on today’s show because it’s an exciting time of year! Tax season is behind us and we’re looking ahead. In honor of Financial Literacy Month, we’re sharing facts you need to know when it comes to your money. We’ll explain how financial literacy can impact you and how your money challenges and successes can impact your ch…
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Ep 38: How Will the Silicon Valley Bank Collapse Impact You?
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The collapse of Silicon Valley Bank and Signature Bank has been huge news in the financial sector and an event that many people worry could trigger even more fallout across the country. With 2008 still fresh in our mind, it’s justified to be concerned about what this might mean for your money. In this episode, Marc will break down the events leadin…
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Today we’re sharing a great checklist you should follow to begin 2023. This will help you through the year if you’re interested in being better prepared for financial planning and for retirement. If you’re retiring this year, it’s essential to have some concrete answers to these questions we’re talking about on today’s show. If you’re still a few y…
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Ep 36: What You Need to Know About \SECURE Act 2.0
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In the New Year, it looks like we may have some changes to the retirement system. It may make things slightly more challenging for PFA and for consumers throughout the nation. New retirement legislation is on the horizon, and in this episode we will discuss some of the key points you will want to know about the SECURE Act 2.0. On this episode, we’l…
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Today’s show combines our two favorite topics – finances and football. Believe it or not, planning for your financial future has some similarities to the sport of football. In retirement planning, some people try to be successful without having a coach at all. Others keep the same coach that they’ve had for years, even though things aren’t working …
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Welcome to today’s show! If you haven’t heard of Professional Financial Advisors, LLC, we handle money management and financial planning and have been in business since 2003. We also help clients with Medicare plans. Within financial planning, we try to be holistic so we can handle all your needs. Find out more about our business and how we can hel…
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Ep 33: Developing a Medicare Plan with Whitney Kester and Marc Werkmeister
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(Note: Today's episode sounds a little different as it was originally produced for the NebraskaLand Bank Podcast) On this episode: Medicare can be confusing, especially with the various plans and supplements offered through different companies. So we're going to break down Medicare today with two experts on the topic, Whitney Kester, a specialized …
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Ep 32: The State of the Economy with Marc Werkmeister and Mike Jacobson (Guest appearance on the NebraskaLand Bank Podcast)
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(Note: Today's episode sounds a little different as it was originally produced for the NebraskaLand Bank Podcast) On this episode: With a volatile market, rising interest rates, and high inflation, many people are worried about the state of the economy. On today’s show, two economic experts, Senator & NebraskaLand CEO Mike Jacobson and Certified Fi…
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Ep 31: Talking Finances with the NebraskaLand Bank Podcast
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I was recently a guest on NebraskaLand Bank Podcast and spoke with hosts Ty Lucas and Danielle Remus. Today I’m sharing our conversation on my podcast. Here are some of the highlights. What should people be thinking about with retirement planning? As far as the end of year, a lot of it centers on capital gains, taxable events by mutual funds, maxin…
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Ep 30: Mailbag - Retiring Early, Pension Lump Sum and Advisors
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In today’s mailbag, we’re answering listener questions about how to retire early, whether to take a pension lump sum and if it makes sense to have two financial advisors. Read more and get additional financial resources here: https://makeretirementwork.com/make-retirement-work/podcast.html What we discuss on this episode: 2:11 – Retiring early 6:21…
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Ep 29: Spotting Red Flags In Your Finances
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Today we’re sharing some potential red flags you should be aware of in your finances. How would you answer these questions? Can you name all of the investments in your portfolio? It’s not a red flag if you can’t name them all, but you should know generally what you own. If you can name them all, you might not be very well diversified. If you don’t …
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Marc is on the hot seat with this financial and retirement quiz. Play along and see how you do as well. Read more and get additional financial resources here: https://makeretirementwork.com/1399/ep-28-test-your-financial-knowledge/ What we discuss on this episode: 2:30 – Scary retirement 4:22 – Scary coming year 9:10 – Tax bracket 11:24 – Money in …
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Ep 27: Just a Joke: Lessons From Financial Planning Jokes
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We’re changing it up today with some funny financial planning jokes and what we can learn from the humor. Read more and get additional financial resources here: https://makeretirementwork.com/podcasts/ What we discuss on this episode: 1:57 – Credit cards 4:52 – Buying bonds 8:02 – Check my balance 11:23 – Long-term investment 13:27 – Stock market c…
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Common sense is actually quite uncommon, especially when it comes to financial planning. Here are some common sense money approaches you need to know. Read more and get additional financial resources here: https://makeretirementwork.com/1372/ep-26-learning-through-uncommon-sense/ What we discuss on this episode: 1:43 – Buy low, sell high 5:36 – Don…
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Ep 25: Do You Really Need Life Insurance?
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People often have questions about life insurance. It’s not a sexy topic, but it is an important one. We’ll explain why. Read more and get additional financial resources here: https://makeretirementwork.com/1350/ep-25-do-you-really-need-life-insurance/ What we discuss on this episode: 1:50 – Dirty word 3:33 – Do you need it? 4:48 – How much? 7:50 – …
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Ep 24: What Basketball Teaches Us About Retirement
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18:19
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On this episode of Make Retirement Work with Marc Werkmeister, we’ll explain how financial planning is like basketball. You might be surprised how much they have in common. Read more and get additional financial resources here: https://makeretirementwork.com/1331/ep-24-what-basketball-teaches-us-about-retirement/ What we discuss on this episode: 2:…
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Ep 23: Mailbag - 401ks, Mutual Funds and Inflation
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Today, we’re answering your most pressing financial questions about 401ks, mutual funds and inflation. Let’s jump into the mailbag. Read more and get additional financial resources here: https://makeretirementwork.com/1321/ep-23-mailbag-401ks-mutual-funds-and-inflation/ What we discuss on this episode: 2:41 – Can I leave 401k to son? 6:57 – Worry a…
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Ep 22: Are Alternative Investments Right for You?
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Alternative investments like SPACS, crypto, and others have become very popular in recent years. Should you ignore them or jump on them? We’ll shed some light on what they are, how they work and whether they’re worth your time. Read more and get additional financial resources here: https://makeretirementwork.com/1283/ep-22-are-alternative-investmen…
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Ep 21: What are the 3 Qualities of Money?
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If you don’t know the answer to the question, then this episode is for you. On this episode, we’ll explore the three qualities of money, discuss whether you can achieve them in a single investment, and how to put the right emphasis on the different qualities. It’s really quite basic, but understanding these fundamentals can make an enormous differe…
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The idea of diversification is pretty common within financial planning, but how effective is the average investor at executing that strategy? Today we’ll talk all about diversification, what it means, and where the biggest issues arise. Read more and get additional financial resources here: http://makeretirementwork.com/466/ep-20-is-diversification…
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Do you know all you need to know about your 401(k)? Find out in today’s episode of the podcast as we unpack some frequently asked questions. Read more and get additional financial resources here: http://makeretirementwork.com/462/ep-19-answering-the-top-401k-faqs/ What we discuss on this show: 1:17 - Is it a good idea to take advantage of free advi…
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Ep 18: Challenges Facing Baby Boomers in Retirement
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We’re all facing financial challenges in 2020 but the generation impacted the most might be the Baby Boomers because millions are entering retirement or already there. Today we’ll share the biggest financial concerns we’re hearing from clients and other people in that generation as they get ready to retire. Read more and get additional financial re…
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Ep 17: Answering Your Financial Questions
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19:28
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This episode is all about you and the questions you have about finance. Join us as we go into the mailbag and talk about retirement spending, financial fallout from divorce, the upcoming election, taxes, and how much retirement savings you need. Read more and get additional financial resources here: http://makeretirementwork.com/452/ep-17-answering…
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Financial planning can get really deep and detailed but that’s not always necessary for everyone. There are, however, some essential financial items that everyone should be aware of when putting together a plan. Today we’ll list out five of those and tell you what you need to know. Read more and get additional financial resources here: http://maker…
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Ep 15: Hindsight is 2020 - Reflecting on a Busy Year
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19:57
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Even with a few months left in 2020, we’ve already experienced enough to last us a decade it seems. Along the way, we’ve learned quite a bit and looking back on that is a valuable exercise. Join us today as we reflect on a busy year and share what we know in hindsight. Read more and get additional financial resources here: http://makeretirementwork…
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Ep 14: Eye Opening Stats on How America Saves
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How do you compare to the average American when it comes to saving money? Today you’re going to find out as we sort through the statistics from the latest Vanguard report. We’ll also see how the data compares with what Marc sees from clients. Read more and see the full Vanguard report here: http://makeretirementwork.com/435/ep-14-eye-opening-stats-…
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Let’s talk about scrutinizing our IRA. It’s a very popular choice for retirement, but are we being too passive about how we save and invest inside that account? Today we’ll talk about the pros and cons and make sure you’re getting the most out of your investments. Read more and get additional financial resources here: http://makeretirementwork.com/…
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Ep 12: How to Build a Strong Financial House
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Putting together a financial plan is like building a house. You need a strong foundation to create the walls, roof and finishing touches. On this episode of the Make Retirement Work podcast, we give you step-by-step instructions to create a solid foundation and financial plan. Read more and get additional financial resources here: http://makeretire…
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Ep 11: Q&A - Bonds, Real Estate and Other Financial Advice
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22:44
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Today’s show is all about you. On this episode of the Make Retirement Work podcast, we take your questions about bonds, real estate investments and other financial queries. Read more and get additional financial resources here: http://makeretirementwork.com/417/ep-11-qa-bonds-real-estate-and-other-financial-advice/ On today's show: 2:47 – Question …
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Ep 10: A Trivia-Filled History Lesson on U.S. Financial Institutions
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21:49
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From the Federal Reserve to the New York Stock Exchange to the U.S. Department of Treasury, how much do you know about our country’s largest financial institutions? We take you on a trivia-filled history lesson and explain how they impact our lives. Read more and get additional financial resources here: http://makeretirementwork.com/412/ep-10-a-tri…
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Ep 9: 5 Rules to Survive the Next Market Crash
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20:18
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We’ve all experienced what a market crash feels like recently. Just when many of those memories of 2008 were beginning to fade, here comes 2020 with a harsh reminder. Who knows what the rest of the year will bring as we still await the upcoming election, but we do know that there will eventually be another market crash. So, what lessons can we take…
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Ep 8: Are Complicated Portfolios Necessary?
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Everyone’s financial plan will consist of a different make-up but how long should you expect it to be when laid out on paper? Does a complicated plan mean it’s more comprehensive? Marc will take us through his planning process and explain what he typically provides clients. Read more and get additional financial resources here: http://makeretiremen…
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Ep 7: Are You Asking the Right Financial Questions?
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Trying to get answers to the questions you have about financial planning but not getting the information you hoped for? Taking a different approach and looking at things from a different perspective my give you the results you need. Today we’ll look at five common questions and Marc will tell us what you should really be asking. Read more and get a…
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Ep 6: Are You Getting Lost in Retirement?
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Have you ever been on a road trip and ended up getting lost? The same happens in retirement planning for similar reasons. Let’s talk about why investors get off track and what steps you can take to get back on the path to retirement. Read more and get additional financial resources here: http://makeretirementwork.com/386/ep-6-are-you-getting-lost-i…
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Ep 5: Update on Loans, Rates, & the Market with Mike Jacobson
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Today we have a special episode featuring Mike Jacobson, President and CEO of NebraskaLand National Bank. He’ll help us understand what low rates mean to consumers, what investments make sense, and why CDs are still a solid option. Plus, we’ll give you the latest on PPP loans and explain what we’re seeing from a surging market. Read more and get ad…
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Ep 4: 4 Financial Rules That Might Be Outdated
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A lot of advice for investors that don’t work with an advisor come in the form of general rules that people can follow. While many of these rules serve a purpose and provide direction, some of them are becoming more and more outdated over time. Let’s look at four financial rules that you might have heard and tell you why it might not be a good idea…
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This summer’s Olympics in Tokyo have been postponed, but we can still host the Financial Planning Olympics. Let’s talk about the events that you should excel in with a good financial coach in your corner. Read more and get additional financial resources here: http://makeretirementwork.com/363/ep-3-the-financial-planning-olympics/ Today's show sched…
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The goal for all of us is to be free and clear of a mortgage but is that changing with low interest rates? Let’s talk about how your house plays into your retirement plan by looking at strategies like refinancing, paying off your debt, and reverse mortgages. Read more and get additional resources here: http://makeretirementwork.com/330/ep-2-how-you…
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Ep 1: Meet Marc Werkmeister & The New Podcast
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Welcome to the first edition of the Make Retirement Work Podcast! On this first episode, we'll introduce you to the show's host, Marc Werkmeister, find out a little about why he got into the financial services industry, and get an understanding of what he truly finds special about living in Nebraska. Read more and get additional resources here: htt…
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