This week we answer listener questions about investment selection and estate planning for grandkids as well as annuity vs. lump sum pension plans. How should you decide whether to annuitize a pension or take the lump sum? Unfortunately, "it depends" is the correct answer here. You are more likely to want to annuitize if you are risk averse and want to increase your fixed income to satisfy your spending needs. You want to consider the options present in the annuity component itself. Does it provide for inflation adjustment or survivor provisions? How does all of this align with your personal goals? If you would like us to discuss your specific scenario without providing financial advice, feel free to write to us at [email protected]. We will anonymize your personal information. Thanks!

Most of us dream about "the golden years", but without a plan, they can easily turn into the "broke years"! So how do you avoid spending your retirement on instant noodles? In this episode, we discuss how the reality is that with longer life expectancies and increasing costs, often times retirees may underestimate how long their savings need to last, underestimate potential healthcare costs, over-rely on Social Security, fail to adjust for inflation, and don't have a planned withdrawal strategy. Don't wing it with your golden years--let a solid plan help turn retirement pitfalls into smooth sailing! If you have a specific situation you’d like us to cover (anonymously), send your questions to us at [email protected]. We’re here to help guide you through these important discussions, without giving formal financial advice.

We all have a bucket list dream for retirement: maybe it's a world cruise, joining the Disney Vacation Club, or hosting the grandkids every summer. But there’s an essential question to ask—can your retirement fund make it happen? In this episode, we’re digging into a topic that often feels tricky: talking about finances with family members, whether it’s planning for your parents' future or helping loved ones think about their own financial security. These discussions can be awkward, but they’re vital for ensuring everyone is financially prepared for the future. We’ll share practical strategies to help make these conversations respectful and productive, while also focusing on the fun side of retirement planning—those big dreams and must-do experiences that make retirement special. If you have a specific situation you’d like us to cover (anonymously), send your questions to us at [email protected]. We’re here to help guide you through these important discussions, without giving formal financial advice.

Retirement can be like a trip to the casino--except instead of hoping for a big jackpot, you're trying to avoid going broke! This week we focus on how retirement planning can feel like gambling, but shouldn't if you are prepared. Having a retirement strategy is crucial for diversifying risk, tax-efficient investments and withdrawal strategies, and protection against life's wild cards. Don't leave your retirement to change--plan for a future that feels more like winning than jackpot than like losing it all at the casino. If you would like us to discuss your specific scenario without providing financial advice, feel free to write to us at [email protected].  We will anonymize your personal information.  Thanks!

Should you be concerned about your parents’ retirement? Yes, considering they will be bombarded with dinner seminar offers from financial product salesmen, especially annuities, and most of us will step in to help if the situation becomes dire. This week we focus on adult children juggling both aging parents and their own kids, including the unique challenges faced, illustrate the chaos surrounding both roles, and discuss some practical solutions through financial planning. If you would like us to discuss your specific scenario without providing financial advice, feel free to write to us at [email protected].  We will anonymize your personal information.  Thanks!

Why are Roth conversions useful, and how can they help you? Roth conversions allow us to pull income forward into years where our marginal (and effective) tax rates are expected to be lower than in the future.  This enables us to fill up the “lower” tax buckets with dollars that would otherwise be taxed at higher rates down the line.  Make no mistake, the money in tax-deferred retirement accounts will be taxed.  Our goal is to intentionally pay taxes at minimum effective tax rates. This week we dive into use cases and best practices surrounding Roth conversions, including exactly what we mean when we say effective tax rates rather than marginal tax rates should be used in conversion analysis. If you would like us to discuss your specific scenario without providing financial advice, feel free to write to us at [email protected].  We will anonymize your personal information.  Thanks!

How should we adjust our investment portfolio as we approach early retirement? What strategies can help us pay off credit card debt before retirement? How can we ensure our savings and investments will support a comfortable retirement lifestyle? We begin by addressing the credit card debt, have a candid conversation about early retirement, and continue to elaborate on globally diversified investments based upon possible risk profiles If you would like us to discuss your specific scenario without providing financial advice, have seen any article or advice you'd like some feedback on, or have any general questions, feel free to write to us at [email protected]. We will anonymize your personal information. Thanks!

How can we optimize our asset allocation to ensure long-term financial stability? Are there better investment options than cash value life insurance for our current needs? How can we manage our funds to ensure the ylast throughout retirement while covering all expenses? As always, we verify and analyze the cash flow, look at the possibility of rolling over the cash value life insurance into a single premium immediate annuity, when a reverse mortgage may be viable, and discuss risk tolerance to determine investment options. If you would like us to discuss your specific scenario without providing financial advice, have seen any article or advice you'd like some feedback on, or have any general questions, feel free to write to us at [email protected]. We will anonymize your personal information. Thanks!

How should I allocate my large cash reserve? Should I invest more aggressively or keep it as a safey net? What is the best way to balance between cash & investments as retirement approaches (Safety vs growth)? Should I consider using the cash to purchase a lifetime annuity for guaranteed income in retirement? As always, we start a cash flow analysis, and then look to clarify goals, assess risk tolerance, and then engage in some investment education, ensuring that emergency funds and liquid savings needs are met prior to investment strategies and the viability of a Single Premium Immediate Annuity (SPIA) based on her risk profile. If you would like us to discuss your specific scenario without providing financial advice, have seen any article or advice you'd like some feedback on, or have any general questions, feel free to write to us at [email protected]. We will anonymize your personal information. Thanks!

How can I balance my withdrawal strategy to ensure I don't outlive my savings while still leaving a legacy? Should I consider setting up a trust or other estate planning tools to minimize taxes and ensure my wishes are fulfilled? What are the pros and cons of gifting assets now vs. leaving them as an inheritance? As always, we start with verifying cash flow, then look to optimize asset location, analyze how timing of gifts affects the basis, and analyze 401k vs. IRA options. If you would like us to discuss your specific scenario without providing financial advice, have seen any article or advice you'd like some feedback on, or have any general questions, feel free to write to us at [email protected]. We will anonymize your personal information. Thanks!

Underfunded retirement accounts, what do we do? If you would like us to discuss your specific scenario without providing financial advice, have seen any article or advice you'd like some feedback on, or have any general questions, feel free to write to us at [email protected].  We will anonymize your personal information.  Thanks!

Should I convert 401k to Roth IRA to minimize RMD and future tax liabilities?  What strategies can I use to tax impact to heirs? Yes, if impending RMDs will catapult you into a higher bracket, you likely want to employ a Roth conversion strategy to minimize your lifetime effective tax rate.  This strategy has the added benefit of allowing heirs to avoid paying ordinary income tax on the conversion amounts plus earnings. If you would like us to discuss your specific scenario without providing financial advice, have seen any article or advice you'd like some feedback on, or have any general questions, feel free to write to us at [email protected].  We will anonymize your personal information.  Thanks!

This week, Rachael has cultivated various quotes from multiple sources touting financial advice and Eric weighs in on how accurate he perceives the statements to be. If you would like us to discuss your specific scenario without providing financial advice, have seen any article or advice you'd like some feedback on, or have any general questions, feel free to write to us at [email protected].  We will anonymize your personal information.  Thanks!

This week, Rachael has cultivated various quotes from multiple sources touting financial advice and Eric weighs in on how accurate he perceives the statements to be. If you would like us to discuss your specific scenario without providing financial advice, have seen any article or advice you'd like some feedback on, or have any general questions, feel free to write to us at [email protected].  We will anonymize your personal information.  Thanks!

This week, Rachael has cultivated various quotes from multiple sources touting financial advice and Eric weighs in on how accurate he perceives the statements to be. If you would like us to discuss your specific scenario without providing financial advice, have seen any article or advice you'd like some feedback on, or have any general questions, feel free to write to us at [email protected].  We will anonymize your personal information.  Thanks!

This week we share our thoughts on how estate planning is incorporated with your retirement picture. If you would like us to discuss your specific scenario without providing financial advice, feel free to write to us at [email protected].  We will anonymize your personal information.  Thanks! How do my estate goals impact my retirement plan? Without writing a dissertation, gifting to future generations at high levels of net worth almost certainly includes annual gift exclusions (18k in 2024) and makes Roth conversions more appealing, whereas, charitable intentions allow for more aggressive current tax avoidance. Additionally, what considerations should you have when looking for other professionals like estate attorneys, and what complexities arise with POAs (Power of Attorney) and more?

This week we share our thoughts on how estate planning is incorporated with your retirement picture. If you would like us to discuss your specific scenario without providing financial advice, feel free to write to us at [email protected].  We will anonymize your personal information.  Thanks! How do my estate goals impact my retirement plan? Without writing a dissertation, gifting to future generations at high levels of net worth almost certainly includes annual gift exclusions (18k in 2024) and makes Roth conversions more appealing, whereas, charitable intentions allow for more aggressive current tax avoidance. If you would like us to discuss your specific scenario without providing financial advice, feel free to write to us at [email protected].  We will anonymize your personal information.  Thanks! If you have questions, topics, or a scenario of your own that you'd like us to incorporate into our podcast, please direct them to [email protected] or visit us on our website at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠equilibriumfp.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

This week we explore Long Term Care costs and how they may impact your financial plan. If you would like us to discuss your specific scenario without providing financial advice, feel free to write to us at [email protected].  We will anonymize your personal information.  Thanks! What LTC (Long Term Care) costs can you expect in retirement? The national average stay in a nursing home is 2.3 years according to the National Care Planning Council, and local providers can cost up to 10k/month.  Assuming your stay is in line with the national average and you prefer a location similar to Lambeth House, we are talking about 280k in today’s dollars. If you would like us to discuss your specific scenario without providing financial advice, feel free to write to us at [email protected].  We will anonymize your personal information.  Thanks! If you have questions, topics, or a scenario of your own that you'd like us to incorporate into our podcast, please direct them to [email protected] or visit us on our website at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠equilibriumfp.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

This week we discuss how much your asset allocation should change in retirement. If you would like us to discuss your specific scenario without providing financial advice, feel free to write to us at [email protected].  We will anonymize your personal information.  Thanks! Should you hold mostly fixed income in retirement? Not necessarily.  The unsatisfying, “It depends” applies here, but listen below for a conversation about how we think about the variables that should move the needle. If you would like us to discuss your specific scenario without providing financial advice, feel free to write to us at [email protected].  We will anonymize your personal information.  Thanks! If you have questions, topics, or a scenario of your own that you'd like us to incorporate into our podcast, please direct them to [email protected] or visit us on our website at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠equilibriumfp.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

In this episode we give a general overview of Medicare and how to plan for health care in retirement. If you would like us to discuss your specific scenario without providing financial advice, feel free to write to us at [email protected].  We will anonymize your personal information.  Thanks! Is Medicare completely free, and how does it work? You will have to pay for Medicare Part B based on your income as well as Part B and D supplements offered by private insurers.  Listen or watch the podcast for more. If you would like us to discuss your specific scenario without providing financial advice, feel free to write to us at [email protected].  We will anonymize your personal information.  Thanks! If you have questions, topics, or a scenario of your own that you'd like us to incorporate into our podcast, please direct them to [email protected] or visit us on our website at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠equilibriumfp.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

In this episode we discuss withdrawal strategies during retirement and the factors that should be considered. How is my income going to be provided during retirement, and is there anything I can do to optimize my tax situation?  Also, is it possible for Eric to work Roth conversions into every episode? We explore the various withdrawal strategies and the impact that tax planning has in pre-retirement as well as early retirement years, before Social Security elections and RMDs (Required Minimum Distributions).  Also, yes, we absolutely discuss Roth conversion ladders to fill lower marginal brackets in early retirement years. If you would like us to discuss your specific scenario without providing financial advice, feel free to write to us at [email protected].  We will anonymize your personal information.  Thanks! If you have questions, topics, or a scenario of your own that you'd like us to incorporate into our podcast, please direct them to [email protected] or visit us on our website at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠equilibriumfp.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Our next few episodes will focus on retirement planning.  In this episode we attempt to answer one of the most fundamental questions clients ask financial advisors, “When can I retire?" Am I on track for retirement? While this question is highly individualistic and heavily dependent on your spending, we share the way we think about answering this question for clients. If you would like us to discuss your specific scenario without providing financial advice, feel free to write to us at [email protected].  We will anonymize your personal information.  Thanks!

Does maxing out 401k deferrals (23k in 2024) guarantee sufficient retirement funding? The short answer is usually...no. How can you maximize your contributions to ensure you are contributing in the best way possible? What if you contributed and want to change the classification to a Roth contribution? What are pro-rata in aggregation rules and how might they affect your taxes? If you would like us to discuss your specific scenario without providing financial advice, feel free to write to us at [email protected].  We will anonymize your personal information.  Thanks! If you have questions, topics, or a scenario of your own that you'd like us to incorporate into our podcast, please direct them to [email protected] or visit us on our website at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠equilibriumfp.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. If you are interested in a free, personalized assessment of your financial situation, please head here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://equilibriumfp.com/free-assessment⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ If you would like to reach out via phone for a complimentary 15-minute discussion, please call 504-229-2494.

What expenses should you be tracking throughout the year for state and federal tax purposes? Child and dependent care credit  Before and after care expenses Pre-school education **below kindergarten** Transportation costs to and from place of care Disabled care Home care like a nanny or in home care aid - family members are eligible to be paid for care as long as you are not also claiming them as a dependent because you provide over one half of their care If you would like us to discuss your specific scenario without providing financial advice, feel free to write to us at [email protected].  We will anonymize your personal information.  Thanks! If you have questions, topics, or a scenario of your own that you'd like us to incorporate into our podcast, please direct them to [email protected] or visit us on our website at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠equilibriumfp.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. If you are interested in a free, personalized assessment of your financial situation, please head here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://equilibriumfp.com/free-assessment⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ If you would like to reach out via phone for a complimentary 15-minute discussion, please call 504-229-2494.

This week we discuss the FIRE movement and what special considerations apply to individuals fortunate enough to find themselves in that position. Why would I care about a Roth conversion ladder, 72t election, or the location of my tax deferred funds (401k vs IRA)? In short, FIRE adherents will need earlier access to dollars and should be aware of these planning tools available to them. If you would like us to discuss your specific scenario without providing financial advice, feel free to write to us at [email protected].  We will anonymize your personal information.  Thanks! If you have questions, topics, or a scenario of your own that you'd like us to incorporate into our podcast, please direct them to [email protected] or visit us on our website at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠equilibriumfp.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. If you are interested in a free, personalized assessment of your financial situation, please head here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://equilibriumfp.com/free-assessment⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ If you would like to reach out via phone for a complimentary 15-minute discussion, please call 504-229-2494.

This week we provide some retirement metrics in the US and clarify common assumptions around retirement. If you would like us to discuss your specific scenario without providing financial advice, feel free to write to us at [email protected].  We will anonymize your personal information.  Thanks! What number do I need for retirement?  I have heard 1 million is sufficient.  Is it?  How should I think about it? Everyone’s favorite “it depends” applies here, but a simple equation to get you in the ballpark, assuming you intend to retire around age 65 is to take your annual spending after SS and divide it by .04.  For example, if I need to fund $60k of spending, I need a lump sum of $1,500,000 (60,000/.04) in after tax dollars in retirement. If you have questions, topics, or a scenario of your own that you'd like us to incorporate into our podcast, please direct them to [email protected] or visit us on our website at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠equilibriumfp.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. If you are interested in a free, personalized assessment of your financial situation, please head here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://equilibriumfp.com/free-assessment⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ If you would like to reach out via phone for a complimentary 15-minute discussion, please call 504-229-2494.

If you have questions, topics, or a scenario of your own that you'd like us to incorporate into our podcast, please direct them to [email protected] or visit us on our website at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠equilibriumfp.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. If you are interested in a free, personalized assessment of your financial situation, please head here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://equilibriumfp.com/free-assessment⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ If you would like to reach out via phone for a complimentary 15-minute discussion, please call 504-229-2494.

If you have questions, topics, or a scenario of your own that you'd like us to incorporate into our podcast, please direct them to [email protected] or visit us on our website at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠equilibriumfp.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. If you are interested in a free, personalized assessment of your financial situation, please head here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://equilibriumfp.com/free-assessment⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ If you would like to reach out via phone for a complimentary 15-minute discussion, please call 504-229-2494.

If you have questions, topics, or a scenario of your own that you'd like us to incorporate into our podcast, please direct them to [email protected] or visit us on our website at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠equilibriumfp.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. If you are interested in a free, personalized assessment of your financial situation, please head here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://equilibriumfp.com/free-assessment⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ If you would like to reach out via phone for a complimentary 15-minute discussion, please call 504-229-2494.

If you have questions, topics, or a scenario of your own that you'd like us to incorporate into our podcast, please direct them to [email protected] or visit us on our website at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠equilibriumfp.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. If you are interested in a free, personalized assessment of your financial situation, please head here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://equilibriumfp.com/free-assessment⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ If you would like to reach out via phone for a complimentary 15-minute discussion, please call 504-229-2494.

If you have questions, topics, or a scenario of your own that you'd like us to incorporate into our podcast, please direct them to [email protected] or visit us on our website at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠equilibriumfp.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. If you are interested in a free, personalized assessment of your financial situation, please head here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://equilibriumfp.com/free-assessment⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ If you would like to reach out via phone for a complimentary 15-minute discussion, please call 504-229-2494.

If you have questions, topics, or a scenario of your own that you'd like us to incorporate into our podcast, please direct them to [email protected] or visit us on our website at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠equilibriumfp.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. If you are interested in a free, personalized assessment of your financial situation, please head here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://equilibriumfp.com/free-assessment⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ If you would like to reach out via phone for a complimentary 15-minute discussion, please call 504-229-2494.

If you have questions, topics, or a scenario of your own that you'd like us to incorporate into our podcast, please direct them to [email protected] or visit us on our website at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠equilibriumfp.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. If you are interested in a free, personalized assessment of your financial situation, please head here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://equilibriumfp.com/free-assessment⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ If you would like to reach out via phone for a complimentary 15-minute discussion, please call 504-229-2494.

If you have questions, topics, or a scenario of your own that you'd like us to incorporate into our podcast, please direct them to [email protected] or visit us on our website at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠equilibriumfp.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. If you are interested in a free, personalized assessment of your financial situation, please head here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://equilibriumfp.com/free-assessment⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ If you would like to reach out via phone for a complimentary 15-minute discussion, please call 504-229-2494.

If you have questions, topics, or a scenario of your own that you'd like us to incorporate into our podcast, please direct them to [email protected] or visit us on our website at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠equilibriumfp.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. If you are interested in a free, personalized assessment of your financial situation, please head here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://equilibriumfp.com/free-assessment⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ If you would like to reach out via phone for a complimentary 15-minute discussion, please call 504-229-2494.

If you have questions, topics, or a scenario of your own that you'd like us to incorporate into our podcast, please direct them to [email protected] or visit us on our website at ⁠⁠⁠⁠⁠⁠⁠⁠⁠equilibriumfp.com⁠⁠⁠⁠⁠⁠⁠⁠⁠. If you are interested in a free, personalized assessment of your financial situation, please head here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://equilibriumfp.com/free-assessment⁠⁠⁠⁠⁠⁠⁠⁠⁠ If you would like to reach out via phone for a complimentary 15-minute discussion, please call 504-229-2494.

If you have questions, topics, or a scenario of your own that you'd like us to incorporate into our podcast, please direct them to [email protected] or visit us on our website at ⁠⁠⁠⁠⁠⁠⁠⁠equilibriumfp.com⁠⁠⁠⁠⁠⁠⁠⁠. If you are interested in a free, personalized assessment of your financial situation, please head here: ⁠⁠⁠⁠⁠⁠⁠⁠https://equilibriumfp.com/free-assessment⁠⁠⁠⁠⁠⁠⁠⁠ If you would like to reach out via phone for a complimentary 15-minute discussion, please call 504-229-2494.

If you have questions or topics you'd like us to incorporate into our podcast, please direct them to [email protected] or visit us on our website at ⁠⁠⁠⁠⁠⁠⁠equilibriumfp.com⁠⁠⁠⁠⁠⁠⁠. If you are interested in a free, personalized assessment of your financial situation, please head here: ⁠⁠⁠⁠⁠⁠⁠https://equilibriumfp.com/free-assessment⁠⁠⁠⁠⁠⁠⁠ If you would like to reach out via phone, please call 504-229-2494.

If you have questions or topics you'd like us to incorporate into our podcast, please direct them to [email protected] or visit us on our website at ⁠⁠⁠⁠⁠⁠equilibriumfp.com⁠⁠⁠⁠⁠⁠. If you are interested in a free, personalized assessment of your financial situation, please head here: ⁠⁠⁠⁠⁠⁠https://equilibriumfp.com/free-assessment⁠⁠⁠⁠⁠⁠ If you would like to reach out via phone, please call 504-229-2494.

If you have questions or topics you'd like us to incorporate into our podcast, please direct them to [email protected] or visit us on our website at ⁠⁠⁠⁠⁠equilibriumfp.com⁠⁠⁠⁠⁠. If you are interested in a free, personalized assessment of your financial situation, please head here: ⁠⁠⁠⁠⁠https://equilibriumfp.com/free-assessment⁠⁠⁠⁠⁠ If you would like to reach out via phone, please call 504-229-2494.

If you have questions or topics you'd like us to incorporate into our podcast, please direct them to [email protected] or visit us on our website at ⁠⁠⁠⁠⁠equilibriumfp.com⁠⁠⁠⁠⁠. If you are interested in a free, personalized assessment of your financial situation, please head here: ⁠⁠⁠⁠⁠https://equilibriumfp.com/free-assessment⁠⁠⁠⁠⁠ If you would like to reach out via phone, please call 504-229-2494.

If you have questions or topics you'd like us to incorporate into our podcast, please direct them to [email protected] or visit us on our website at ⁠⁠⁠⁠equilibriumfp.com⁠⁠⁠⁠. If you are interested in a free, personalized assessment of your financial situation, please head here: ⁠⁠⁠⁠https://equilibriumfp.com/free-assessment⁠⁠⁠⁠ If you would like to reach out via phone, please call 504-229-2494.

If you have questions or topics you'd like us to incorporate into our podcast, please direct them to [email protected] or visit us on our website at ⁠⁠⁠⁠equilibriumfp.com⁠⁠⁠⁠. If you are interested in a free, personalized assessment of your financial situation, please head here: ⁠⁠⁠⁠https://equilibriumfp.com/free-assessment⁠⁠⁠⁠ If you would like to reach out via phone, please call 504-229-2494.

If you have questions or topics you'd like us to incorporate into our podcast, please direct them to [email protected] or visit us on our website at ⁠⁠⁠⁠equilibriumfp.com⁠⁠⁠⁠. If you are interested in a free, personalized assessment of your financial situation, please head here: ⁠⁠⁠⁠https://equilibriumfp.com/free-assessment⁠⁠⁠⁠ If you would like to reach out via phone, please call 504-229-2494.

If you have questions or topics you'd like us to incorporate into our podcast, please direct them to [email protected] or visit us on our website at ⁠⁠⁠⁠equilibriumfp.com⁠⁠⁠⁠. If you are interested in a free, personalized assessment of your financial situation, please head here: ⁠⁠⁠⁠https://equilibriumfp.com/free-assessment⁠⁠⁠⁠ If you would like to reach out via phone, please call 504-229-2494.

If you have questions or topics you'd like us to incorporate into our podcast, please direct them to [email protected] or visit us on our website at ⁠⁠⁠equilibriumfp.com⁠⁠⁠. If you are interested in a free, personalized assessment of your financial situation, please head here: ⁠⁠⁠https://equilibriumfp.com/free-assessment⁠⁠⁠ If you would like to reach out via phone, please call 504-229-2494.

If you have questions or topics you'd like us to incorporate into our podcast, please direct them to [email protected] or visit us on our website at ⁠⁠equilibriumfp.com⁠⁠. If you are interested in a free, personalized assessment of your financial situation, please head here: ⁠⁠https://equilibriumfp.com/free-assessment⁠⁠ If you would like to reach out via phone, please call 504-229-2494.

If you have questions or topics you'd like us to incorporate into our podcast, please direct them to [email protected] or visit us on our website at ⁠⁠equilibriumfp.com⁠⁠. If you are interested in a free, personalized assessment of your financial situation, please head here: ⁠⁠https://equilibriumfp.com/free-assessment⁠⁠ If you would like to reach out via phone, please call 504-229-2494.