Latest / WCHS Network Podcasts / 01/26/2026 Retire Right Radio with John Burdette

Transcript

01/26/2026 Retire Right Radio with John Burdette · WCHS Network Podcasts

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  Speaker 1: The views and opinions expressed on this program do not
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  Speaker 1: necessarily reflect the views and opinions of five ADWCCHS, its
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  Speaker 1: employees or WVRC Media. This is retire Right Radio, a
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  Speaker 1: weekly show from John Burdett at Fourth Avenue Financial that
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  Speaker 1: aims to answer your questions about financial planning, investing, and
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  Speaker 1: how to retire right. Fourth Avenue Financial is located in
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  Speaker 1: downtown Charleston at one seventy Court Street. More information online
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  Speaker 1: at Fourth Avenue Financial dot com. Join the conversation by
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  Speaker 1: calling three oh four three four five fifty eight fifty
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  Speaker 1: eight or text three oh four nine three five fifty
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  Speaker 1: oh eight on Retire Right Radio. Let's go live to
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  Speaker 1: the studio with host Dale Cooper and John Burdett from
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  Speaker 1: Fourth Avenue Financial.
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  Speaker 2: Hsdowns and a very pleasant Monday morning to you, if
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  Speaker 2: you can call it a pleasant Monday morning. Thanks so
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  Speaker 2: much for tuning into five ADWCCHS. We are on the
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  Speaker 2: air right now, and you can tune in to the
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  Speaker 2: radio station on five ADWCHS AM and our online WHS
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  Speaker 2: network dot com. R FM translators are off air right now.
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  Speaker 2: As not much of a surprise looking around the area,
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  Speaker 2: it's mostly the ice. It's mostly the ice, of course,
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  Speaker 2: frozen antenna's equipment, frozen up things along those lines.
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  Speaker 3: It's mostly the ice. This morning.
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  Speaker 2: We're going to be working at getting the rest of
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  Speaker 2: our stations back on today. But at least five adwchs,
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  Speaker 2: which is your information station, is on air and we're
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  Speaker 2: pumping out all the information on our news programs that
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  Speaker 2: you may need to get through the recovery period after
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  Speaker 2: the big ice storm this past weekend. Not quite as
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  Speaker 2: much snow as what we expected, but boy, the ice
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  Speaker 2: came in pretty thick. Joining me from a remote location.
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  Speaker 2: We didn't want to make John have to drive in
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  Speaker 2: here this morning because it's not really all that pretty
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  Speaker 2: out there. So John Burdad has joined me from the
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  Speaker 2: phone this morning. Good morning, John, How you doing?
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  Speaker 3: Oh?
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  Speaker 4: Pretty good? Yeah, we're I've got about three days worth
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  Speaker 4: the generator power left, so hopefully it holds out.
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  Speaker 2: Yeah, this is it's one of those. We've been lucky
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  Speaker 2: so far as far as the power thing goes.
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  Speaker 3: Where.
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  Speaker 2: I'm really much disappointed in how much my daughter was
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  Speaker 2: affected by the Internet being out. I thought that maybe
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  Speaker 2: we had done better than that, but she was not
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  Speaker 2: very happy with the internet being out at our house,
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  Speaker 2: but we managed to get by with that one PSA
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  Speaker 2: that I'll throw out to people out there. And if
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  Speaker 2: you've lived around I mean, this isn't necessarily a special information,
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  Speaker 2: but I lived in a cold weather state for a
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  Speaker 2: long time where things like this would happen. And this
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  Speaker 2: is the perfect scenario for you to have those giant
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  Speaker 2: shards of ice on top of your car, so like
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  Speaker 2: on the roof of your car. If you're not clearing
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  Speaker 2: that off, if you let it set all day yesterday
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  Speaker 2: and you're driving somewhere today, that's going to become like
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  Speaker 2: a giant knife, like a Guillotine's going to come flying
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  Speaker 2: off of your car at some point. So when you're
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  Speaker 2: scraping off your windshiels, take a little extra minute and
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  Speaker 2: scrape off the roof of your car as well and
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  Speaker 2: get all that ice off the top, because as I
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  Speaker 2: was taking it off this morning, it was literally coming
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  Speaker 2: off in giant blades that were super heavy and about
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  Speaker 2: an inch thick. And man, if that comes flying off
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  Speaker 2: of your roof and hit somebody behind you on the highway,
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  Speaker 2: it's going to do some damage. I've seen it before.
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  Speaker 2: That's the reason I bring it up. So that's one
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  Speaker 2: PSA for me this morning.
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  Speaker 4: There you go. Yeah, yeah, that's good advice. Uh yeah,
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  Speaker 4: it's it's pretty uh we're we're of course, I live
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  Speaker 4: up on top of the mountain, you know, about as
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  Speaker 4: far out of uh it's I'm still in Charleston, but
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  Speaker 4: I'm about as far as you can go and still
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  Speaker 4: be in Charleston, gotcha. R we Uh, we have lots
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  Speaker 4: of trees down up here, and uh, you know, I
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  Speaker 4: was out trying to scrape the ice off and you
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  Speaker 4: know you can hear the trees cracking and the ice
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  Speaker 4: cracking on the trees. Of you know, be careful underneath
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  Speaker 4: them as well, because those branches are heavy when they
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  Speaker 4: come down.
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  Speaker 3: Yeah, you never know.
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  Speaker 2: That's uh, having the one hold out on my block
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  Speaker 2: with having a ton of trees. Most of the people
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  Speaker 2: had the trees removed on my block. I still have
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  Speaker 2: a ton of trees, and so that some something I
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  Speaker 2: have to worry about every year when something like this happens,
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  Speaker 2: is are the limbs gonna fall? Is the tree going
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  Speaker 2: to fall? We'll see hopefully so far it's okay, but there's.
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  Speaker 4: Hopefully hopefully the market doesn't fall.
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  Speaker 2: Well, that's I was looking for that transition period and
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  Speaker 2: that works out very well. So this is a big
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  Speaker 2: week for the market. There's lots of earnings, interest rates, decisions,
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  Speaker 2: things like that. That's going to be going out as
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  Speaker 2: we talk about, you know, week in and week out.
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  Speaker 2: Regardless of what happens generally speaking in the headlines, the
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  Speaker 2: market finds a way to press revere and they do
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  Speaker 2: respond to Like we had the thing where there was
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  Speaker 2: some like a twenty four hour issue with the potential
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  Speaker 2: new tariffs, and then once those were backed off, then
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  Speaker 2: immediately the market sprung back and forward. It's very odd
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  Speaker 2: to watch these things happen in real time.
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  Speaker 4: Sometimes yeah, yeah, you can't get too worked up with
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  Speaker 4: the day to day news cycle. And of course that's
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  Speaker 4: that's nothing new. You know, the news comes at us
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  Speaker 4: maybe quicker that it used to, but but it's still
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  Speaker 4: the same concept. All these things tend to tend to pass,
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  Speaker 4: you know, the vast majority of things, and if you
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  Speaker 4: focus on you know, what you own, understanding what you
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  Speaker 4: own and the earnings that those companies have have, you
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  Speaker 4: know that news doesn't matter as much to those type
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  Speaker 4: of things. And we're you know, kind of in the
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  Speaker 4: in the earning season now and about eighty percent of
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  Speaker 4: companies that have reported have beat their expectations, which which
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  Speaker 4: is in line with last year, which is a good sign.
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  Speaker 4: That means corporate earnings are still coming in strong. And
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  Speaker 4: and that's really you know what, it enables you to
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  Speaker 4: evaluate the price of a stock to see if it's fair.
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  Speaker 4: You know, what are what are the earnings, and what
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  Speaker 4: are the expectations of earnings and and so far, so good,
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  Speaker 4: and generally you don't get a long term lasting pullback
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  Speaker 4: when earnings are growing at double digit rates.
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  Speaker 2: Right, And that's these are the things you have to
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  Speaker 2: keep your head on a swivel about. Of course, when
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  Speaker 2: these things start coming out as far as market movement
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  Speaker 2: and different things along those lines.
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  Speaker 3: Ago.
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  Speaker 2: So this is kind of the beginning of the year,
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  Speaker 2: and these are important indicators that are going to be
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  Speaker 2: coming out as far as the market itself goes. But
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  Speaker 2: even with these things, these are just kind of a
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  Speaker 2: way to stick your finger in your mouth and test
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  Speaker 2: where the wind is. It's still not something that you
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  Speaker 2: should set your yearly strategy on or anything along those lines.
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  Speaker 4: Well, no, I mean, earnings are the fundamental driver of
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  Speaker 4: the price of stock, so you know, a bad earning
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  Speaker 4: support from a company, you know, that's not necessarily something
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  Speaker 4: that you'd say, oh, I need to dump the stock
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  Speaker 4: right away, because it's really do you still believe in
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  Speaker 4: the process, in the strategy of the company, and is
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  Speaker 4: there a reason for the earning shortfalls that may happen
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  Speaker 4: that that could be temporary. So you have to evaluate
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  Speaker 4: those things. But ultimately, you know, we're looking to own
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  Speaker 4: things that are in demand, that consistently are producing the
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  Speaker 4: quality growing earnings. Now that doesn't mean a company, you know,
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  Speaker 4: can can meet their earnings expectation and the stocks still
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  Speaker 4: go down and people scratch their head, well, what is that?
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  Speaker 4: How does that make sense? Well, the market is forward looking,
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  Speaker 4: and so a lot of times if the company is
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  Speaker 4: doing well, it means their earnings expectations. You know, it
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  Speaker 4: gets priced in a way that it's priced perfection. You know,
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  Speaker 4: you're you're seeing that in some of the and some
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  Speaker 4: of the tech stocks that are trading at pretty high
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  Speaker 4: valuations are high multiples of earnings, and you know, if
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  Speaker 4: they come in and disappoint or by not beating their
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  Speaker 4: earnings expectations or saying something that that the market participants say, hey,
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  Speaker 4: that might not mean the earnings will grow as fast
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  Speaker 4: next year or the year after, and it's priced to
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  Speaker 4: the level that that it really really can't afford to
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  Speaker 4: myth that way. And so then you say, well, the
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  Speaker 4: company's earning money and it's growing, but now the stock
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  Speaker 4: is down. That's just an adjustment of those expectations. Still
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  Speaker 4: doesn't mean it's a it's a bad company to own.
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  Speaker 4: It's just the market trades on that. You know, in
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  Speaker 4: the short term, the market trades on that type of news. Now,
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  Speaker 4: if you're a long term investor, you know you're going
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  Speaker 4: to have those kinds of ups and downs, and and
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  Speaker 4: you know, as long as you feel like that company
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  Speaker 4: is producing and and innovating and staying on on the
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  Speaker 4: on the path and the premise that you bought that company,
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  Speaker 4: then you know you can look past those things at
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  Speaker 4: least for a quarter or two to see to see
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  Speaker 4: if that trend is changing. And so it's just patience.
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  Speaker 4: I mean, it's rarely the right thing to jump in
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  Speaker 4: and out of something. My son he's up in Morgantown
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  Speaker 4: at school, and he opened up a Robinhood account to
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  Speaker 4: try to learn about investing, and you know, he's been
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  Speaker 4: calling me every couple of days say oh I bought this,
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  Speaker 4: should I sell that? And I was like, well, your
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  Speaker 4: trading is not the same thing as investing, right, you know,
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  Speaker 4: trading now that is more of like a gambling mentality.
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  Speaker 4: You're not really investing in the company because the company
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  Speaker 4: has good long term prospects. You're just hoping that there's
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  Speaker 4: momentum that somebody will come and pay you more money
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  Speaker 4: for a company, and then you trade out a couple
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  Speaker 4: of days. Those are two different things. And you know,
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  Speaker 4: for folks saving the long term for retirement, you know,
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  Speaker 4: for those big goals that you have, you know, short
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  Speaker 4: term trading is a very dangerous path to go down.
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  Speaker 4: You know, long term ownership, proper actset allocation is what
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  Speaker 4: will get you to where you need to be, uh
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  Speaker 4: with the lease volatility and the highest probability of success.
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  Speaker 4: You know, when you're trading, it's it's almost like a
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  Speaker 4: you know, buying a scratch off lottery ticket. Yeah, occasionally,
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  Speaker 4: you know you'll you'll win something on onine, but if
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  Speaker 4: you if you buy enough of those tickets, you're probably
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  Speaker 4: going to have a stack of losers bigger than the
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  Speaker 4: stack of winners.
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  Speaker 2: Yeah, I'm glad that you brought that up, because I
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  Speaker 2: do think that there might be a bit of I
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  Speaker 2: don't know, there might be a bit of of of
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  Speaker 2: substitution or a little bit of a misunderstanding when it
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  Speaker 2: comes to people that think about if I'm managing my stocks,
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  Speaker 2: if I'm doing it myself. I think that some people
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  Speaker 2: and maybe me at one point, you know, years and
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  Speaker 2: years and years ago, that that meant that you were
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  Speaker 2: individually trading stocks every single day and you had to
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  Speaker 2: be on top of it like that. And even if
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  Speaker 2: you're some hands on on it, that's not what it is,
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  Speaker 2: or at least that's not what it necessarily should be.
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  Speaker 2: You can, maybe, I think we've talked before that if
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  Speaker 2: somebody wanted to set aside some money that they play
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  Speaker 2: in the market, where they can maybe do that, but
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  Speaker 2: generally your broad strategy should not be where you're individually
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  Speaker 2: doing individually doing trades.
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  Speaker 4: Yeah. Yeah, it's same concepts. If you go to a casino,
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  Speaker 4: you know, if you go to a casino to have fun,
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  Speaker 4: that's one thing. If you go to a casino with
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  Speaker 4: the expectation that you're going to win, that's another. So
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  Speaker 4: just like with that, it's good advice to say, hey,
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  Speaker 4: I'm okay to lose one hundred dollars or two hundred
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  Speaker 4: dollars and leave it at that, and it's a fun
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  Speaker 4: entertainment for the evening. Same thing with with with trading.
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  Speaker 4: If you want to try that and have fun, you know,
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  Speaker 4: do that in a separate account without your serious money
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  Speaker 4: that you're going to have to depend on, because you know,
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  Speaker 4: historically the odds are extremely stacked against you winning that
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  Speaker 4: over the long term.
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  Speaker 2: John Burdad is with this morning from Fourth Avenue Financial.
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  Speaker 2: You're heloing to give us a call or you can
• 12:03
  Speaker 2: send over our tech line a message of text line numbers.
• 12:05
  Speaker 2: Threes are four non three five five zeros zer eight.
• 12:08
  Speaker 2: Threes are four non three five five zeros zer eight.
• 12:09
  Speaker 2: You can also call threes are A four three four
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  Speaker 2: five fifty eight fifty eight three zero four three four
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  Speaker 2: five fifteen fifty to get in and talk to John Burdett.
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  Speaker 2: More information online at Fourth Avenue Financial dot com. Speout
• 12:19
  Speaker 2: the whole thing Fourth Avenue Financial dot com. You can
• 12:21
  Speaker 2: also search the Facebook page out by doing that same
• 12:23
  Speaker 2: search and liking the page over there. And John, as
• 12:27
  Speaker 2: far as folks that and you know, we have to
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  Speaker 2: talk about these things every once in a while, because
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  Speaker 2: the numbers show that not enough people consult with a
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  Speaker 2: financial advisor and have somebody that's that helps to be
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  Speaker 2: a steward of their retirement. And you know, we talk
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  Speaker 2: on this show all the time that obviously it's just
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  Speaker 2: a quick phone call to get to get the ball rolling.
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  Speaker 2: But let's talk a little bit about the benefits that
• 12:50
  Speaker 2: somebody is going to get. We talked about that they
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  Speaker 2: should do it, but exactly when you start working with
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  Speaker 2: a financial consultant, what are some of the things that
• 12:58
  Speaker 2: they're going to see within their plan that's going to
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  Speaker 2: kind of makes sense and make the and make the
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  Speaker 2: planning of everything sort of click in and be like, okay,
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  Speaker 2: well this is the reason I'm doing that, I'm able
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  Speaker 2: to do this this, and that my my consultants really
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  Speaker 2: doing a great job there. What what what what type
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  Speaker 2: of benefits as somebody out there looking for if they're
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  Speaker 2: not aware of what having a financial advisor working for
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  Speaker 2: them want to be like, well, I.
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  Speaker 4: Mean there are a number of things. Some are are
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  Speaker 4: are are tangible of some are also the emotional side,
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  Speaker 4: controlling the the emotions of investing. So you know, on
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  Speaker 4: the on the tangible front is that most people predominantly
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  Speaker 4: are saving in their four own ks, and they picked
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  Speaker 4: their lineup of funds and and just forget about it.
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  Speaker 4: If it's doing okay, Well, what happens over time, just
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  Speaker 4: like we've had in the past couple of years, there'll
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  Speaker 4: be a sector that out for There's always going to
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  Speaker 4: be a sector that outperforms. Lately it's been the tech stocks.
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  Speaker 4: So if you have a portfolio that you've set and
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  Speaker 4: you're not managing at all, what's happened is as those
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  Speaker 4: tech stocks have grown faster than the rest of the market, well,
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  Speaker 4: now your portfolio is concentrated in those and that concentration
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  Speaker 4: takes away your diversification, which introduces potential risks to the
• 14:33
  Speaker 4: portfolio in the future when that cycle turns. And so
• 14:40
  Speaker 4: you know an advisor is going to work with you
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  Speaker 4: to make sure that that has happened. You're making the
• 14:48
  Speaker 4: adjustments as the market is changing your allocation, because if
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  Speaker 4: you set it and forget it long enough, eventually you
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  Speaker 4: know you're going to be way out of a line.
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  Speaker 4: And what happens, particularly as you get closer to retirement,
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  Speaker 4: is that stocks over time are outgrowing bonds. That's just
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  Speaker 4: the nature of it. But bonds are more stable and
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  Speaker 4: more it's the right type of asset class to have
• 15:20
  Speaker 4: to tamp down volatility, particularly when you're close to drawing
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  Speaker 4: the money out, you have to tamp down volatility. Well,
• 15:27
  Speaker 4: if you're not rebalancing, what's happening your portfolio is becoming
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  Speaker 4: larger percentage of it is becoming equities and stocks and
• 15:38
  Speaker 4: less and less bonds. And that's exactly the opposite of
• 15:43
  Speaker 4: what should be happening as you get close to retirement.
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  Speaker 4: And so it's like a creeping risk that you you
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  Speaker 4: really don't think about if you just set it and
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  Speaker 4: forget it. So that's a tangible thing that an avisor brings. Also,
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  Speaker 4: we've talked about this many times too. You know, a
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  Speaker 4: lot of folks have picked their investments based on what's
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  Speaker 4: done the best in the past, and they know the
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  Speaker 4: concept of diversification. So I know I need to buy
• 16:13
  Speaker 4: more than one fund, so I'll pick five funds. Well,
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  Speaker 4: how do most people pick it? Which five funds have
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  Speaker 4: done the best? And the five funds that have done
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  Speaker 4: the best over the same period of time probably own
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  Speaker 4: the same stocks, So you're not getting the diversification, So
• 16:31
  Speaker 4: you know, it's not always about taking the highest rate
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  Speaker 4: of return. It's about matching up that allocation to the
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  Speaker 4: time horizon and the goals that you have, and sometimes
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  Speaker 4: lower return over time gets you in a better place
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  Speaker 4: if you're drawing money out. Volatility really works against you
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  Speaker 4: as you get into the distribution phase.
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  Speaker 2: And like sort of this ability to be able to see,
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  Speaker 2: you know, beyond the trees above the horizon line, and
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  Speaker 2: to understand also market pressure's history and things along those lines.
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  Speaker 2: Those are really things that it's really hard for a
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  Speaker 2: lay person to understand completely.
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  Speaker 4: Yeah, and and then and then getting to and even
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  Speaker 4: if you do understand it, and then getting past the
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  Speaker 4: tangible things, it becomes the intangible, uh, you know, the
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  Speaker 4: the emotion of it all. If you're trying to manage
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  Speaker 4: that for yourself. The closer you get to retirement, you
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  Speaker 4: feel like there's more pressure in getting it right because
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  Speaker 4: you know you're going to have to rely on that,
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  Speaker 4: and that that emotional pressure can oftentimes make you do
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  Speaker 4: things that that really aren't in your best interest as
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  Speaker 4: far as building that portfolio and managing the portfolio. Those
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  Speaker 4: emotional decision making that that tends to happen and and
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  Speaker 4: the pressure to do that gets vamped up for you
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  Speaker 4: get to retirement. And so an advisor also will kind
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  Speaker 4: of be a buffer between you and your money and
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  Speaker 4: those individual decisions that that you know, you may actually
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  Speaker 4: know you're supposed to do these things, but emotionally it
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  Speaker 4: might feel not feel good as as you get closer
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  Speaker 4: to needing that money.
• 18:25
  Speaker 3: Yeah, that makes a lot of sense.
• 18:26
  Speaker 2: And to have and to have, you know, someone that
• 18:30
  Speaker 2: that you trust, that you can bounce these things off
• 18:32
  Speaker 2: of and that you have relationships with in order to
• 18:34
  Speaker 2: make these decisions, that's really something that's It's like having
• 18:39
  Speaker 2: you know, an objective observer that can give you advice
• 18:41
  Speaker 2: and things along those lines where you don't have to
• 18:43
  Speaker 2: worry about your own emotional makeup or you know, you
• 18:45
  Speaker 2: could even remind folks of hey, this is the plan
• 18:47
  Speaker 2: that we put together, and is this what we're going
• 18:49
  Speaker 2: to stay on you. You can help prod people to
• 18:51
  Speaker 2: stay on their path.
• 18:53
  Speaker 4: Yeah, no doubt about it. I mean, you know, if
• 18:57
  Speaker 4: you know it, it's still your money. And if you
• 19:00
  Speaker 4: work with an advisor, so so you have say and
• 19:04
  Speaker 4: how that money is managed. But before you can do it,
• 19:07
  Speaker 4: you have to you have to have a discussion with
• 19:10
  Speaker 4: your advisor. Uh, and then the advisor has to execute that.
• 19:14
  Speaker 4: So it just puts a layer of outside eyes and advice,
• 19:19
  Speaker 4: and you know, it slows down the emotional decision making
• 19:27
  Speaker 4: that can possibly happen.
• 19:29
  Speaker 3: That's good stuff with John. Oh, go ahead, I'm sorry.
• 19:33
  Speaker 4: Oh no, that wasn't me. No.
• 19:36
  Speaker 2: Oh, I'm sorry though I thought I cut you off.
• 19:38
  Speaker 2: That's Jean Bredett with Fourth Avenue Financial. You're welcome to
• 19:41
  Speaker 2: give us a call or send out a text this
• 19:42
  Speaker 2: morning if you have any questions for John. Our number
• 19:44
  Speaker 2: is three zero four three four five fifty eight fifty
• 19:46
  Speaker 2: eight is the phone number. You can also text threes
• 19:48
  Speaker 2: or four non three five five zeros your eighth three
• 19:50
  Speaker 2: zero four non three five five zero zero eight.
• 19:52
  Speaker 3: Let's do this.
• 19:52
  Speaker 2: Let's take a break. We'll be back right after this
• 19:54
  Speaker 2: with more with Joen Bredet for Fourth Avenue Financial.
• 19:56
  Speaker 3: Any questions you have.
• 19:57
  Speaker 2: And plus many more or much more when we come
• 19:59
  Speaker 2: back to This is retire Right Radio with John Bredet
• 20:01
  Speaker 2: for Fourth Avenue Financial. I'm Del Cooper on Fido WCHS,
• 20:04
  Speaker 2: the Voice of Charleston.
• 20:05
  Speaker 5: Retire Right Radio is sponsored by Fourth Avenue Financial, which
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• 20:31
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• 20:33
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• 20:56
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• 20:57
  Speaker 4: Retirement is in a finished line. It's that are you
• 21:01
  Speaker 4: really ready? I'm John Bird out with Fourth Avenue Financial,
• 21:03
  Speaker 4: and I help people just like you turn confusion into confidence.
• 21:07
  Speaker 4: Whether retirement is five years away or right around the corner.
• 21:10
  Speaker 4: Now is the time to make a smart plan.
• 21:13
  Speaker 1: Let's make sure your.
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  Speaker 1: This is Retire Right Radio with John Burdett from Fourth
• 22:03
  Speaker 1: Avenue Financial taking your calls at three oh four three
• 22:07
  Speaker 1: four five fifty eight fifty eight or texts on three
• 22:10
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• 22:21
  Speaker 2: He you're listening to or try to write radio on
• 22:23
  Speaker 2: five aw chs. The voice of Charleston, John Burdett is
• 22:27
  Speaker 2: joining us on the phone this morning. No reason to
• 22:29
  Speaker 2: get out the skis to come into the radio show
• 22:31
  Speaker 2: this morning. So we're taking your phone calls saying your
• 22:33
  Speaker 2: questions at three zero four non three five five zero
• 22:35
  Speaker 2: zero eight. If you want to send in a text,
• 22:37
  Speaker 2: or you can call three zero four three four five
• 22:39
  Speaker 2: fifty eight fifty eight three four five fifty eight fifty eight.
• 22:41
  Speaker 2: We're talking just before the break about some of the
• 22:43
  Speaker 2: benefits of having a financial advisor and some of the
• 22:45
  Speaker 2: things that you can help folks to observe, to see
• 22:48
  Speaker 2: to maybe uh not get uh to have clear vision
• 22:53
  Speaker 2: on when compared to the plan that they put together originally.
• 22:56
  Speaker 2: And those are those are obviously massive benefits as far
• 23:00
  Speaker 2: as somebody who's out there, and of course probably everybody
• 23:03
  Speaker 2: could use a financial advisor. But what's what's the classic
• 23:05
  Speaker 2: case for someone that you've seen that really could benefit
• 23:08
  Speaker 2: from your services. Is it somebody that has multiple retirement
• 23:12
  Speaker 2: fronds from different jobs, or somebody that's had, you know,
• 23:15
  Speaker 2: some disruption in their life and they have a couple
• 23:17
  Speaker 2: of different streams of revenue that they're they're trying to
• 23:20
  Speaker 2: pivot into retirement or what's kind of the sweet spot
• 23:23
  Speaker 2: for someone that maybe doesn't have a financial advisor that
• 23:26
  Speaker 2: could really take advantage of one.
• 23:28
  Speaker 4: Well, sure, I mean that anybody can can come see us,
• 23:33
  Speaker 4: but I mean predominantly most of the folks that that
• 23:39
  Speaker 4: I work with tend to be close to retirement. You know,
• 23:45
  Speaker 4: folks that have worked a job, maybe a couple of jobs,
• 23:50
  Speaker 4: and have have retirement funds, and they've done a good
• 23:56
  Speaker 4: job generally of managing their budget, saving and investing. But
• 24:02
  Speaker 4: as you get closer to it, how do we change
• 24:05
  Speaker 4: this pool of money into an income stream? How do
• 24:10
  Speaker 4: I use this to fund my lifestyle when I stop working?
• 24:14
  Speaker 4: And that becomes a big question on most people's mind
• 24:18
  Speaker 4: when they get five or six years out from retirement,
• 24:21
  Speaker 4: and that tends to be the time that I start
• 24:24
  Speaker 4: working with a lot of people as those those questions
• 24:27
  Speaker 4: and concerns, you know, start to add up, and the
• 24:32
  Speaker 4: pressure is on because because the time is getting shorter,
• 24:36
  Speaker 4: you know, questions like you know, am I okay, do
• 24:40
  Speaker 4: I have enough money? You know, you might see the
• 24:42
  Speaker 4: money there, but what does that money actually do How
• 24:45
  Speaker 4: will it be structured in a way to take that
• 24:47
  Speaker 4: income stream? How will I pay taxes on that money?
• 24:53
  Speaker 4: You know, how do I make sure that my allocation
• 24:57
  Speaker 4: is correct as I take that money? When r m
• 24:59
  Speaker 4: D required, Am I taking the proper amount? All of
• 25:03
  Speaker 4: those things, uh I tend to lead people to seeking
• 25:09
  Speaker 4: out an advisors as retirement gets close. Now that's certainly
• 25:15
  Speaker 4: not the only reason somebody would reach out. I have
• 25:17
  Speaker 4: a lot of younger people that are just wanting to
• 25:20
  Speaker 4: get their path set early. And there are a lot
• 25:24
  Speaker 4: of young people out there, you know, twenty somethings that
• 25:29
  Speaker 4: that are really doing the right thing. You know, contrary
• 25:32
  Speaker 4: to what the media may portray, you know, there are
• 25:37
  Speaker 4: really a lot of folks out there at early ages
• 25:41
  Speaker 4: that are that are are on the right track. And
• 25:46
  Speaker 4: if you can get started young, the whole job is
• 25:50
  Speaker 4: a whole lot easier as as you move along that
• 25:54
  Speaker 4: calm down ur just works for you. You spend less
• 25:57
  Speaker 4: time digging out of a whole of debt that you've
• 25:59
  Speaker 4: created if you get your budget set early. So you know,
• 26:04
  Speaker 4: truly the wost spectrum of of of of people we
• 26:09
  Speaker 4: can work with. But but it is generally more of
• 26:13
  Speaker 4: a you know, kind of a five year into retirement
• 26:17
  Speaker 4: type clientele that I have just just based on really
• 26:24
  Speaker 4: the emotional uh uh and concerns and fears that folks
• 26:29
  Speaker 4: have as they approach that, and.
• 26:31
  Speaker 2: It is something else, you know, I thought you made
• 26:33
  Speaker 2: a really great point there talking about some of the
• 26:35
  Speaker 2: youth and the course of different jobs that I've had,
• 26:39
  Speaker 2: I've I've had to hire a lot younger people, you know,
• 26:41
  Speaker 2: I hire straight out of college a lot of times
• 26:44
  Speaker 2: in different places. And it's to me, I don't see
• 26:48
  Speaker 2: this disconnect that a lot of people talk about with
• 26:50
  Speaker 2: with the youth. Frankly, some of the people that I
• 26:53
  Speaker 2: have there in their twenties are some of the best
• 26:55
  Speaker 2: workers that I've had in recent years. And and I
• 26:59
  Speaker 2: think that there is an opertunity there for a lot
• 27:01
  Speaker 2: of people that that that are a little more financial
• 27:05
  Speaker 2: where and maybe they're curious, you know, instead of shaking
• 27:07
  Speaker 2: your hand at them with a closed fist, maybe we
• 27:09
  Speaker 2: should open up our hands with our palms and come
• 27:11
  Speaker 2: on in. You know, we can show you some of
• 27:13
  Speaker 2: the great strategies so you can settle for your retirement
• 27:16
  Speaker 2: and uh and uh and solve your your your financial uh,
• 27:21
  Speaker 2: soligncy in the future, because really, if we shouldn't push
• 27:25
  Speaker 2: off people's curiosity and so forth. I mean, uh, and
• 27:27
  Speaker 2: just assume that because somebody's of a certain age they
• 27:30
  Speaker 2: don't have any interest or anything.
• 27:31
  Speaker 3: Starting young is a good thing.
• 27:33
  Speaker 4: Oh yeah, the mean that puts the compound interest uh
• 27:37
  Speaker 4: is definitely in your favor and it makes it so
• 27:39
  Speaker 4: much easier to build the networth that you need to
• 27:43
  Speaker 4: to ultimately be comfortable in retirement. But uh, but you know,
• 27:47
  Speaker 4: we should we should invite people in and and and
• 27:49
  Speaker 4: show them the rope, show them how things work. Because
• 27:53
  Speaker 4: there are also the folks that are gonna continue to
• 27:55
  Speaker 4: fund our security fund pay so we would to make
• 28:01
  Speaker 4: sure that that they're doing the right thing. So but anyway,
• 28:08
  Speaker 4: you know, anyone can reach out and in most situations,
• 28:13
  Speaker 4: you know, an advisor can take some of the both
• 28:18
  Speaker 4: you know, physical load off of of of managing or portfolio.
• 28:22
  Speaker 4: But but certainly the emotional load off to a degree.
• 28:26
  Speaker 2: Yeah, and we talk about it all the time, but
• 28:28
  Speaker 2: taking that to emotional load off really can help quite
• 28:31
  Speaker 2: a bit. And I'm not really joking about this. Sometimes
• 28:33
  Speaker 2: if you if you're in a relationship with a with
• 28:36
  Speaker 2: a spouse or something like that, and you have a
• 28:37
  Speaker 2: plan that's set. You know, if if it gets comes
• 28:39
  Speaker 2: down to like a little bit of arguing over something
• 28:41
  Speaker 2: or anything along those lines. It helps to be able
• 28:43
  Speaker 2: to look objectively at a plan and being like, well,
• 28:45
  Speaker 2: according to our budget and our plan, this is what
• 28:47
  Speaker 2: it is that we need to do. Not saying that
• 28:49
  Speaker 2: you can't change or whatever happens, but sometimes having a
• 28:53
  Speaker 2: having a referee, not that you want to step in
• 28:56
  Speaker 2: the middle, but you can kind of be like, hey,
• 28:57
  Speaker 2: this is where where we're at on this, and it
• 29:00
  Speaker 2: helps some people that you confused ahead of themselves.
• 29:04
  Speaker 4: Yeah, certainly, life decisions are still the clients to make. However,
• 29:09
  Speaker 4: I can sometimes bring clarity on what the impact of
• 29:14
  Speaker 4: doing plan A versus doing Plan B might be to
• 29:17
  Speaker 4: the overall portfolio over time, and so that might help
• 29:21
  Speaker 4: clarify the decision making on that individual that is there
• 29:25
  Speaker 4: to make. You know, you get to choose how you
• 29:27
  Speaker 4: how you live your life. Working with advisor doesn't take
• 29:30
  Speaker 4: that power away from you. But what it does that
• 29:34
  Speaker 4: it allows you to more clearly see the impact of
• 29:38
  Speaker 4: the decisions that you're making.
• 29:41
  Speaker 2: And and and really that's that's that's a large portion
• 29:45
  Speaker 2: of the game right there that you can see the impact,
• 29:48
  Speaker 2: what it means how the dominoes necessarily fall. Yet that's
• 29:50
  Speaker 2: something else that's a lay person may have a hard
• 29:52
  Speaker 2: time kind of sniffling through when it comes to their
• 29:55
  Speaker 2: their portfolio. You may not know how those dominoes a
• 29:58
  Speaker 2: decision that you made at some point time affected the
• 30:01
  Speaker 2: rest of your portfolio and what it is that you're doing.
• 30:03
  Speaker 2: And that's got something else that someone who is a
• 30:06
  Speaker 2: professional in this space is really going to be able
• 30:07
  Speaker 2: to help with. They'll be able to track those dominoes
• 30:09
  Speaker 2: and give people an idea of well, if you do this,
• 30:11
  Speaker 2: this is the different mechanisms that's going to trigger, and
• 30:13
  Speaker 2: this is what it's going to mean for better or worse.
• 30:15
  Speaker 2: It's nice to be able to know, to be able
• 30:17
  Speaker 2: to look ahead at those.
• 30:17
  Speaker 4: Things, right, I mean, it's just you're able to make
• 30:21
  Speaker 4: decisions more clearly and with a higher degree of confidence
• 30:26
  Speaker 4: because you've gone through and had that extra set out
• 30:30
  Speaker 4: eyes looking at it and trying to evaluate the financial
• 30:33
  Speaker 4: impact over time. And you know, most people don't willingly
• 30:40
  Speaker 4: make reckless decisions. It's usually reckless decisions get made when
• 30:46
  Speaker 4: the emotion emotional state gets high, and having that buffer
• 30:54
  Speaker 4: is a big, big advantage to working with the advisor.
• 30:59
  Speaker 4: I'd say almost the you know, the biggest benefit of
• 31:05
  Speaker 4: working with an advisor. You know, a lot of folks
• 31:08
  Speaker 4: think that, oh, you know, this advisor he's he he
• 31:11
  Speaker 4: knows how to pick stocks, or he's going to pick
• 31:12
  Speaker 4: the best investments for me. Well, we're going to pick
• 31:15
  Speaker 4: broog the investments that work with your plan, and and
• 31:18
  Speaker 4: and and keep that allocated. But that that really is
• 31:22
  Speaker 4: the smaller portion of what's important of uh. You know,
• 31:27
  Speaker 4: when working with an advisor, in my view, it really
• 31:31
  Speaker 4: is you know, helping project and and see clearly the
• 31:37
  Speaker 4: path ahead and and try to ring as much of
• 31:40
  Speaker 4: that emotion out of the process as possible, and and
• 31:44
  Speaker 4: keeping folks on course that way. You know, every week
• 31:48
  Speaker 4: there's some news we talked about early on. This week
• 31:51
  Speaker 4: is going to be a busy week, uh with news.
• 31:54
  Speaker 4: The Fed is meeting Wednesday, we'll have an interest rate decision,
• 31:59
  Speaker 4: you know, that be something that moves the market. Will
• 32:03
  Speaker 4: that affect you this week in in upstir downs to
• 32:07
  Speaker 4: the market potentially, but it's probably going to mean very
• 32:10
  Speaker 4: little a year from now or two years from now,
• 32:13
  Speaker 4: you know, trying to keep that perspective in and and
• 32:16
  Speaker 4: and by the way, most folks don't believe that the
• 32:18
  Speaker 4: FED will cut this time around, and we may be
• 32:22
  Speaker 4: looking at one or two cuts throughout the throughout the year.
• 32:26
  Speaker 4: So uh you know, interest rates are are still trending down,
• 32:31
  Speaker 4: but trending down slowly, will put it. Put it that way.
• 32:35
  Speaker 4: This week, we also have earnings, big big earnings of
• 32:38
  Speaker 4: Microsoft and uh I believe Tesla and uh Meta and
• 32:48
  Speaker 4: I think Apple and super Apple or Amazon it's one
• 32:51
  Speaker 4: of the a's. But you know, those are big companies
• 32:56
  Speaker 4: that people are going to be looking to to see.
• 32:59
  Speaker 4: You know, how is is AI earnings and how is
• 33:02
  Speaker 4: that coming through? Is that story still playing out? And
• 33:05
  Speaker 4: that could move the market in a short period of
• 33:07
  Speaker 4: time either up or down. You know, I don't have
• 33:10
  Speaker 4: a crystal ball to tell what's going to happen to
• 33:13
  Speaker 4: those companies this week. But long term, if you're allocated properly,
• 33:19
  Speaker 4: those are things that are just short term news stories
• 33:23
  Speaker 4: and don't really affect your long term outlook if you
• 33:27
  Speaker 4: have your allocation correct.
• 33:30
  Speaker 2: And boy, in just the last couple of minutes here,
• 33:33
  Speaker 2: that's really checking the boxes on a lot of different
• 33:35
  Speaker 2: things that nigh slide through the cracks, and also you
• 33:40
  Speaker 2: just may not be aware of. I mean, sometimes you
• 33:42
  Speaker 2: don't know what you don't know. And that's also a
• 33:44
  Speaker 2: huge part with having somebody that can be an advisor
• 33:46
  Speaker 2: for you is is you might be the most conscientious
• 33:49
  Speaker 2: person in the world and organized and everything else, but
• 33:52
  Speaker 2: there's some things you just don't know about. So been
• 33:54
  Speaker 2: able to once again to have someone that can help
• 33:56
  Speaker 2: lead you down these paths and to know it exactly
• 33:59
  Speaker 2: is what we're looking for. That's just such a valuable
• 34:01
  Speaker 2: service and something that anybody out there that's looking to
• 34:04
  Speaker 2: be solvent in their financial future when they're getting towards
• 34:07
  Speaker 2: with time or anything else. I mean that that just
• 34:09
  Speaker 2: makes sense. Or of course, like we talked about different
• 34:11
  Speaker 2: life decisions and things like that, being able to make
• 34:14
  Speaker 2: reason decisions before being able to have a reason course
• 34:17
  Speaker 2: before you make these decisions. That also is a great
• 34:20
  Speaker 2: advantage to it takes it we talk about it a lot,
• 34:22
  Speaker 2: but demystifies some of the situation behind your financial future.
• 34:27
  Speaker 4: Yeah, and you know, it's just an idea that came
• 34:31
  Speaker 4: up here too. That happens occasionally as well. You know,
• 34:34
  Speaker 4: we're always talking about, you know, don't spend so much money,
• 34:38
  Speaker 4: but actually in retirement, a lot of times people spend
• 34:42
  Speaker 4: way less money than they could be or even should be,
• 34:47
  Speaker 4: because of the concern that they'll run out of money.
• 34:51
  Speaker 4: And so sometimes it's not just the you know, moving
• 34:54
  Speaker 4: one direction. Sometimes it's said, yeah, you know, you can
• 34:58
  Speaker 4: take that vacation, or yes, you have the wherewithal to
• 35:01
  Speaker 4: buy that place at the beach that you've always wanted.
• 35:05
  Speaker 4: You know, it's not really giving permission, but it's giving
• 35:10
  Speaker 4: the possibilities of what your money will do more clearly,
• 35:14
  Speaker 4: with that extra set of eyes that's that's not as
• 35:18
  Speaker 4: emotional in that decision making.
• 35:21
  Speaker 2: Yeah, that does make a lot of sense, and been
• 35:24
  Speaker 2: able to have that clarity is really a very important thing.
• 35:26
  Speaker 2: Let me make sure that I get the contact information
• 35:27
  Speaker 2: out for you for John Bredet and Fourth Avenue Financial,
• 35:29
  Speaker 2: because we want to make sure you can get a
• 35:31
  Speaker 2: hold of John if if we've crossed anything this morning
• 35:35
  Speaker 2: that you want to putting your pocket in to make
• 35:38
  Speaker 2: to your benefit. You can find Fourth Avenue Financial online.
• 35:41
  Speaker 2: The website address is fourth Avenue Financial dot com. That's
• 35:43
  Speaker 2: fourth Avenue Financial dot com. You can also go to
• 35:46
  Speaker 2: the Facebook page where you do that same Charch fourth
• 35:49
  Speaker 2: Avenue Financial You can like the page over there. Located
• 35:51
  Speaker 2: in downtown Charleston, the phone number three zero four seven
• 35:53
  Speaker 2: four six seven nine seven seven three zero four seven
• 35:56
  Speaker 2: four six sevenine seven seven right across from the town
• 35:58
  Speaker 2: Center Mall three zero four seven fourth seven nine seven seven.
• 36:01
  Speaker 2: Do we call it the mall or across from the
• 36:03
  Speaker 2: town Center Doctor's offices?
• 36:05
  Speaker 3: I don't know.
• 36:06
  Speaker 4: I don't I'm not sure what it is. It's the
• 36:10
  Speaker 4: walk indoor walking path, I think is what it is.
• 36:13
  Speaker 2: It's one of the nicest of whatever it is in
• 36:15
  Speaker 2: the country. I think there's just there's just no retail
• 36:17
  Speaker 2: places there.
• 36:20
  Speaker 4: Yeah, just so also, folks know, we will not be
• 36:24
  Speaker 4: physically in the office today, but as long as the
• 36:28
  Speaker 4: power holds out, we will be available on the phones
• 36:31
  Speaker 4: and working from home.
• 36:33
  Speaker 3: That is.
• 36:34
  Speaker 2: That's probably the safest course to do things today. Of course,
• 36:37
  Speaker 2: if you're if you don't have to be on the road,
• 36:39
  Speaker 2: if you can keep from being out there. The highways
• 36:41
  Speaker 2: are relatively decent, and driving in they were just wet.
• 36:44
  Speaker 2: But man, every side road is pretty bad. In downtown Charleson.
• 36:48
  Speaker 2: It's just snow on top of ice. Once you get
• 36:50
  Speaker 2: past like Washington Street and you get deeper into Charleston,
• 36:52
  Speaker 2: it's pretty bad. So do whatever you have to do today.
• 36:55
  Speaker 2: But if you can maybe keep it off the roads
• 36:57
  Speaker 2: a little bit, you might want to do that. And
• 36:59
  Speaker 2: like I said at the beginning of the show, you
• 37:00
  Speaker 2: got to get that ice sheet off your roof. That
• 37:02
  Speaker 2: thing is going to become a GIA team going to
• 37:04
  Speaker 2: come flying off there and hit a car behind you.
• 37:06
  Speaker 2: You got to get that ice sheet off your roof.
• 37:07
  Speaker 2: Those things are thick and heavy right now. They can
• 37:09
  Speaker 2: they can smash a windshield behind you. No, Tom, I've
• 37:12
  Speaker 2: seen it happen in real time before, unfortunately, So you
• 37:14
  Speaker 2: want to make sure that as you're clearing off your windshield,
• 37:17
  Speaker 2: you also clear off the roof of your car. Well, John,
• 37:20
  Speaker 2: that's going to do it for us today. I appreciate
• 37:21
  Speaker 2: your Tom as always in getting us up to speed
• 37:25
  Speaker 2: on everything that could be beneficial for our financial future.
• 37:29
  Speaker 2: We'll catch up with you again next Monday morning.
• 37:33
  Speaker 4: Sounds good, Take care and stay warm.
• 37:35
  Speaker 2: Appreciate that. That's John Bredett from Fourth Avenue Financial again.
• 37:38
  Speaker 2: More information online. It's Fourth Avenue Financial dot com. Fourth
• 37:41
  Speaker 2: Avenue Financial dot Com. Where you can where you can
• 37:43
  Speaker 2: find the information for John Bredatt. Also do that same
• 37:47
  Speaker 2: search on Facebook and you can like his page over there.
• 37:50
  Speaker 2: Coming up next, it's gonna be Dave Allen Law Dave
• 37:52
  Speaker 2: Allen with five eighty Live, Dave and TJ, Dave Wilson
• 37:56
  Speaker 2: and TJ this morning for talk Line at ten o six.
• 37:58
  Speaker 2: I'll be back this afternoon.