A lifetime income annuity can provide something many retirees value above all else confidence that they won't outlive their income In this episode of Finishing Well certified financial planner Hans Scheil and Host Robby Dilmore explain how a lifetime income annuity fits into a well-designed retirement strategy emphasizing that it's not meant to replace an investment portfolio but to complement it Through several real-life planning examples Hans illustrates how annuities can create a guaranteed stream of lifetime income while working alongside Social Security investments and other retirement assets He also discusses how these products can help reduce longevity risk serve [... more]

Ready to grow your wealth with confidence Let's talk ' http www meetwithrosewood com - - Does the outcome of an election really matter for your investments In part one of this two-part series John and Jake look at how markets have tended to behave before and after elections why uncertainty tends to rattle the market more than the result itself and what gridlock can mean for day-to-day swings Jake also shares how to filter the headlines down to what actually touches your plan Whatever side of the aisle you're on your portfolio shouldn't have to pick one Here's what [... more]

Sometimes becoming more generous means giving away less money That may sound contradictory especially when we often measure generosity by how much we give But biblical generosity is about far more than a percentage on a spreadsheet It involves surrendering everything God has entrusted to us including our money time homes relationships and even our plans for the future For John and Megan Cortines that lesson became deeply personal when their journey of financial generosity led them somewhere unexpected foster care and adoption Their story reminds us that generosity isn't simply about what we're willing to give away It's about [... more]

Faithful stewardship begins long before we decide how much to give It starts with how we earn save invest and use the resources God has entrusted to us Nearly years ago theologian John Wesley preached a sermon titled The Use of Money offering Christians a framework for managing their finances Make all you can save all you can and give all you can At first glance those three principles might seem like separate financial goals But Wesley intended something far more comprehensive He believed that every aspect of our financial lives should reflect our love for God and neighbor Robin [... more]

Setting goals can be a wise and worthwhile pursuit Whether we're building a career saving for retirement improving our health or investing in our families goals help us live with purpose and intentionality But how do we pursue our ambitions without allowing success to define us Proverbs reminds us The heart of man plans his way but the LORD establishes his steps God never intended for our accomplishments to become the measure of our worth Our identity is secure in Christ not in what we achieve That means we can dream boldly plan wisely and work faithfully while trusting God [... more]

Planning for retirement isn't just about building wealth it's about knowing how to use it wisely In this episode of Finishing Well Certified Financial Planner Hans Scheil and Host Robby Dilmore explain the importance of Required Minimum Distributions RMDs and why having a strategy long before they're required can help you avoid unnecessary taxes Medicare premium increases and costly surprises Hans breaks down when RMDs begin how they work and why proactive planning in your s can make a significant difference He also discusses practical strategies such as Roth conversions Qualified Charitable Distributions QCDs tax bracket planning and ways to [... more]

Ready to grow your wealth with confidence Let's talk ' http www meetwithrosewood com - - Does retirement mean it's time to drop your life insurance John and Jake take a practical case-by-case look at how coverage may help replace lost income support loved ones or provide liquidity for an estate They explain why the right amount and whether you need coverage at all depends on your goals finances and family's needs Before you cancel that policy tune in to see what it may still be doing for you Here's what we discuss in this episode Life Insurance Bias Why [... more]

When Christians think about faithful stewardship generosity often comes to mind first We ask how much we should give where our gifts should go and how we can use our resources to bless others But what about the money we don't give away Faithful stewardship extends beyond charitable donations It includes our savings investments businesses and everything else God has entrusted to our care And that raises an important question How can we use all of our resources not just what we give to advance God's purposes Aimee Minnich Co-Founder Chief Impact Officer and General Counsel of the Impact Foundation [... more]

Owning rental property is a little like ordering pizza with anchovies It might be just what you're looking for but it's certainly not for everyone Rental real estate can be a valuable investment providing additional income and the potential for long-term appreciation But unlike owning stocks or mutual funds rental property requires ongoing attention financial resources and a willingness to handle unexpected challenges Before becoming a landlord it's important to understand both the opportunities and responsibilities that come with owning rental property The Benefits of Owning Rental PropertyThere are several reasons why rental real estate appeals to investors A Steady [... more]

Your investments can do more than grow your portfolio They can also create meaningful opportunities to bless others and support the work of God's Kingdom As the end of the year approaches many Christians begin thinking about charitable giving But generosity doesn't have to come exclusively from a checking or savings account Your investment portfolio may offer additional ways to give sometimes with valuable tax advantages Brian Mumbert President and CEO of Timothy Plan a pioneer in the world of faith-based investing joined the show today to discuss how Christians can incorporate generosity into their investment strategies Generosity Begins With [... more]

In this episode of Finishing Well certified financial planner and bestselling author Hans Scheil and Host Robby Dilmore explores an innovative and alternative approach to securing long-term care protection funding through annuities Highlighting that many individuals find themselves unable to qualify for traditional long-term care insurance due to sudden health events or strict medical underwriting Scheil introduces a solution that offers a much more flexible path forward Listeners will gain practical insights into how long-term care annuities utilize simplified health statements rather than invasive underwriting making coverage accessible even for individuals managing conditions such as diabetes heart disease stroke cancer [... more]

Ready to grow your wealth with confidence Let's talk ' http www meetwithrosewood com - - Plenty of retirees reach a point where they don't care much about growth anymore They just don't want to lose what they've spent or years building Is that foolish John doesn't think so When a team is up by nine late in the game nobody calls a deep pass They line up in victory formation and protect the ball But taking a knee too early is its own mistake John explains why the right time to pull back isn't about your age or even [... more]

You may know how your retirement investments are performing but do you know what they're actually supporting For many Christians stewardship shapes how we earn spend save and give Yet when it comes to investing we may not think much about the companies and industries represented in our portfolios Faith-based investing offers an opportunity to align those decisions more closely with our Christian convictions But what does that look like in practice Does investing according to your values mean sacrificing financial returns And can individual investors really make a difference Mark Regier Vice President of Stewardship Investing at Praxis Investment [... more]

When you think about leaving an inheritance you probably picture children or grandchildren But what if your next steward isn't a person at all For many Christians leaving a gift to a church ministry or nonprofit organization can be a meaningful way to extend their generosity beyond their lifetime But deciding where when and how to give deserves the same thoughtful preparation we would give to an individual heir Sharon Epps President of Kingdom Advisors and a contributor to FaithFi's new field guide How Do I Prepare the Next Steward joined us today to discuss how believers can make these [... more]

Join Certified Financial Planner Hans Scheil and Host Robby Dilmore for an essential conversation about one of the most important financial and healthcare decisions you'll make in retirement In this episode of Finishing Well Hans breaks down the seven key things everyone should know about Medicare before enrolling or making changes to their coverage From understanding the critical differences between Original Medicare and Medicare Advantage to avoiding costly enrollment penalties navigating Part D prescription drug coverage understanding IRMAA income surcharges and knowing when you can make changes during Medicare enrollment periods this episode provides practical guidance to help you make [... more]

Ready to grow your wealth with confidence Let's talk ' http www meetwithrosewood com - - Long-term care is one of those retirement expenses nobody exactly looks forward to planning for but ignoring it can leave your nest egg exposed if the bill eventually lands in your lap In this episode John and Jake walk through the different ways retirees can prepare and some strategies that may help keep a major care event from shipwrecking the rest of the plan The right answer depends on how all the pieces of your retirement fit together and which financial levers you have [... more]

The wealth of the rich is their fortified city they imagine it a wall too high to scale Proverbs NIV Money can provide real protection but it can also create a dangerous illusion of security We may begin to believe that enough savings investments or possessions can shield us from whatever life brings In Samuel we encounter a wealthy man named Nabal whose story illustrates the danger of placing too much confidence in earthly riches His experience reminds us that while financial resources are valuable tools they can never provide the ultimate security our hearts desire Nabal A Wealthy Man [... more]

It's almost time for health insurance open enrollment again For many families that means sorting through premiums deductibles coverage options and rising healthcare costs But what if you didn't have to wait for open enrollment to explore a different approach Traditional health insurance isn't the only option available to Christians Health cost-sharing ministries offer an alternative rooted in biblical community mutual support and financial stewardship Lauren Gajdek Senior Director of External Affairs at Christian Healthcare Ministries CHM joined us today to explain how this approach works and why more Christians are exploring it Why Healthcare Decisions Feel So OverwhelmingChoosing healthcare [... more]

In this episode of Finishing Well Certified Financial Planner Hans Scheil and host Robby Dilmore unpack one of the most misunderstood areas of retirement planning Social Security spousal benefits While many people focus only on maximizing their own benefit Hans explains why the smartest strategy often comes from looking at Social Security as a household decision rather than an individual one Through practical real-life examples you'll discover how spouses surviving spouses and even divorced individuals may qualify for benefits they never realized were available Hans illustrates how proper timing and claiming strategies can significantly increase lifetime income helping couples create [... more]

Ready to grow your wealth with confidence Let's talk ' http www meetwithrosewood com - - Most people don't think about taxes until they're sitting down to file and by then most of the best opportunities are gone The moves that actually lower your tax bill usually have to happen before December Here's what's worth tackling now The best tax planning rarely happens in April It happens months earlier while there's still time to do something about it If you haven't looked at this year's picture yet now's the time Here's what we discuss in this episode Q Planning Make [... more]