Investment planning is not just about picking stocks or bonds; it's about creating a roadmap that aligns with your broader financial and retirement goals. This is one of the pillars of the retirement planning process at Wyze Wealth Advisors and today we’re going to break down our unique approach to investment planning.

Ryan is joined again by Ron Wyatt, CFP®, CIMA®, CPWA® and Nick Lewandowski, CFA®, CFP®, to discuss what it means to have an investment plan, some common themes they hear when meeting with clients, and how an investment plan fits into your overall financial plan.

Here’s what we cover in this episode:

0:00 – Intro

0:55 – What does it mean to have an investment plan?

3:35 – Consistent themes in first meetings

6:31 – How an investment plan fits into the big picture

10:49 – When should an investment plan change?

18:40 – What makes our process unique?

Connect with us:

Web: https://wyzewealthadvisors.com/
Phone: 724-271-7019

Watch the show on YouTube: https://bit.ly/3Ssra3H

When ​it ​comes ​to ​investing, ​mutual ​funds ​and ​ETFs ​are ​two ​of ​the ​more ​popular ​options ​people ​will ​choose ​from. ​But ​which ​is ​better, ​and ​does ​it ​really ​matter? ​Today Ryan will host a roundtable discussion with Ron Wyatt, CFP®, CIMA®, CPWA® and Nick Lewandowski, CFA®, CFP® to answer ​some ​of ​the ​most ​common ​questions ​people ​have ​when ​trying ​to ​build ​their ​portfolio ​with ​either ​mutual ​funds ​or ​ETFs.

Here’s what we cover in this episode:

0:00 – Intro

1:10 – Similarities and key differences

3:59 – Why do ETFs tend to be cheaper?

10:52 – Why do ETFs tend to be more tax-efficient?

15:36 – Risks with ETFs

19:26 – Our investment approach

Connect with us:

Web: https://wyzewealthadvisors.com/
Phone: 724-271-7019

Watch the show on YouTube: https://bit.ly/3Ssra3H

Retirement planning is all about finding the right tools to help you save money effectively and efficiently, which is why tax planning needs to be a part of your planning process. One of the tools that you can leverage to help you grow your nest egg without having a tax time bomb waiting for you in retirement is the Roth IRA. Today we’re going to break down this account and help explain the key information you need to know about its benefits and drawbacks.

Here’s what we cover in this episode:

0:00 – Intro

2:01 – What is a Roth IRA?

3:19 – Roth eligibility

4:42 – Phasing out

6:20 – Contribution limits

7:15 – Tax-deferred growth

9:12 – RMDs

11:21 – Are distributions taxed?

14:35 – The five-year rule

17:57 – Tax rates

19:14 – Closing thoughts

Connect with us:

Web: https://wyzewealthadvisors.com/
Phone: 724-271-7019

Watch the show on YouTube: https://bit.ly/3Ssra3H

Achieving tax bracket equilibrium is a goal that everyone should have as they strive for long-term financial stability. Most people understand that tax planning is important, but how do you find that balance across different investments and accounts?

Today we’ll break down what it means, why it’s crucial for long-term financial planning, and how to apply it to your portfolio. Learn the strategies we utilize to balance your tax liabilities and ensure a smoother financial journey into retirement.

Here’s what we cover in this episode:

0:00 – Intro

2:03 – Why it matters

5:12 – How do we map it out

7:07 – Limitations

8:27 – How poor planning can lead to issues

12:13 – Strategies to consider

Connect with us:

Web: https://wyzewealthadvisors.com/
Phone: 724-271-7019

Watch the show on YouTube: https://bit.ly/3Ssra3H

One of the big questions that needs to be addressed in retirement planning is how will you be taken care of later in life. Most people don’t want to think about long-term care when they’re young and healthy, but it could be one of your biggest expenses in retirement. Many retirees plan by getting long-term care insurance but is that something you should consider as well?

Ryan breaks down the basics, benefits, and common questions surrounding long-term care insurance.

Key moments:

0:00 – Intro

2:01 – Benefits of having Long-Term Care Insurance

4:40 – Different types of Long-Term Care

6:13 – LTC costs

8:13 – Qualifying for coverage

9:31 – Does everybody need LTC insurance?

11:58 – When to look at getting a policy

14:55 – Drawbacks to LTC insurance

Connect with us:

Web: https://wyzewealthadvisors.com/
Phone: 724-271-7019

Watch the show on YouTube: https://bit.ly/3Ssra3H

One of the biggest hurdles for retirement is getting past the idea of no longer having a paycheck coming in. That transition from saving to distribution can be daunting, but it’s essential for building a retirement plan that gives you the confidence to walk away from work.

In this episode, we’re diving into one of the key pillars of retirement planning and that’s the income plan. It’s an area that most people are not prepared but you can change that. Today we’ll explain how we help people transform their savings into a reliable income stream, the importance of having a comprehensive income plan, and the steps you can take to start putting this plan in place.

Here’s what we cover in this episode:

0:00 – Intro

2:11 – Why are people unprepared?

4:23 – Steps to put a plan in place

7:33 – Planning for inflation

9:15 – Reviewing your plan

10:54 – Examples of how we’ve helped clients

Connect with us:

Web: https://wyzewealthadvisors.com/
Phone: 724-271-7019

Watch the show on YouTube: https://bit.ly/3Ssra3H

Welcome to the first episode of Retire Right, a show dedicated to helping you navigate your path to retirement with the guidance of WYZE Wealth Advisors.

Before we dive into financial planning and all the topics associated with building a portfolio for retirement, we wanted to introduce you to Ryan Wyatt, CFP®, CIMA®, one of the wealth advisors on our team. Today’s show will give you some background on his journey into the world of finance, the founding of WYZE Wealth Advisors, and the core values that drive our mission.

As we move forward, we hope to become a valuable resource for those looking to make informed financial decisions and achieve financial independence. Whether you're planning for retirement or already enjoying it, this show promises to offer insights and strategies to help you make the most of your financial journey. Please hit subscribe if that’s something you’re interested in and join us as we start releasing new videos.

Here’s what we cover in this episode:

0:00 – Intro
1:00 – Getting into finance
2:55 – Starting WYZE Wealth
4:30 – Holistic planning
6:30 – What Ryan enjoys most about planning
8:13 – Coaching hockey
9:28 – Canonsburg and Pittsburgh
10:44 – Away from work
12:10 – Goals for the show
13:34 – Ideal client

Connect with us:

Web: https://wyzewealthadvisors.com/
Phone: 724-271-7019

Watch the show on YouTube: https://bit.ly/3Ssra3H