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Beer & Money

Beer & Money

著者: Ryan Burklo & Alex Collins
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Welcome to Beer and Money, a financial fireside chat for business professionals. We work to simplify your finances so that you can enjoy your life. Your hosts, Ryan Burklo and Alex Collins are financial advisors based out of Seattle, Washington. This material is intended for general public use. By providing this material, we are not undertaking to provide investment advice for any specific individual or situation, or to otherwise act in a fiduciary capacity. Please contact one of our financial professionals for guidance and information specific to your individual situation. Guardian, its subsidiaries, agents and employees do not provide tax, legal or accounting advice. Consult your tax, legal or accounting professional regarding your individual situation. Securities products and advisory services offered through Park Avenues Securities LLC (PAS), member FINRA, SIPC. OSJ 333 N. Indian Hill Blvd, Claremont, CA, 909-399-1100. PAS is a wholly-owned subsidiary of Guardian. Quantified Financial Partners is not an affiliate or subsidiary of PAS or Guardian. Ryan Burklo, AR Insurance License # 15319412, CA Insurance License # 0K24924, Alexander Collins AR Insurance License # 7264699, CA Insurance License # 0H24806. #2022-133647 Exp 02/2024 Visit our website www.QuantifiedFinancial.com マネジメント マネジメント・リーダーシップ 個人ファイナンス 経済学
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  • Episode 308 - How to Prioritize So You Can Retire
    2025/07/07

    In this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the essential components of financial planning, focusing on the question many people ask: 'When can I be done working?' They emphasize the importance of understanding cash flow, income planning, protection strategies, asset management, and managing liabilities and taxes. The conversation highlights the need for a comprehensive approach to financial organization, ensuring that all aspects of a financial plan work together cohesively to support a desired lifestyle in retirement.

    Check out our website: beerandmoney.net

    For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo

    Takeaways

    The question 'When can I be done?' reflects engagement.
    Cash flow is the foundation of financial planning.
    Income planning involves understanding both needs and wants.
    Protection of income is crucial in financial planning.
    Assets should be managed with a focus on cash flow.
    Investment strategies should not solely rely on rate of return.
    Liabilities and taxes must be considered in financial planning.
    Financial plans should be reviewed and adjusted regularly.
    Understanding the integration of financial domains is key.
    A comprehensive approach leads to better financial outcomes.

    Chapters

    00:00 The Quest for Financial Freedom
    02:36 Understanding Cash Flow in Retirement
    07:35 The Importance of Protection
    12:33 Assets and Their Role in Retirement
    17:02 Managing Liabilities and Taxes
    19:44 Integrating Financial Domains for Success

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    24 分
  • Episode 307 - Should You Overpay Your Mortgage? Part 2
    2025/06/30

    In this episode, Ryan Burklo and Alex Collins discuss the implications of overpaying a mortgage and explore alternative strategies for managing cash flow and financial planning in retirement. They emphasize the importance of flexibility in financial decisions, particularly regarding mortgage payments, and the role of life insurance in providing additional security and cash flow. The conversation highlights the need for strategic planning to address potential financial challenges in retirement, such as market volatility and unexpected expenses.

    Check out our website: beerandmoney.net

    For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo

    Takeaways

    Overpaying a mortgage may not always be the best financial decision.
    Flexibility in financial planning allows for better management of cash flow.
    Life insurance can provide both security and cash value for retirement.
    Retirees often fear running out of money more than death.
    Strategic financial planning is essential for addressing unexpected expenses.
    Having liquid assets can provide more options in retirement.
    It's important to consider taxes and insurance in financial planning.
    A well-structured financial plan can reduce reliance on market performance.
    Retirement planning should include considerations for long-term care.
    Effective distribution strategies can enhance cash flow in retirement.

    Chapters

    00:00 Introduction to Mortgage Overpayment Discussion
    02:46 Historical Context of Mortgage Payment Mindset
    06:02 Retirement Concerns and Financial Flexibility
    09:02 Alternative Strategies for Mortgage Management
    12:03 Comparative Analysis of Financial Strategies
    14:52 The Importance of Financial Planning and Flexibility

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    19 分
  • Episode 306 - Should You Overpay Your Mortgage? Part 1
    2025/06/23

    In this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the common financial question of whether individuals should overpay on their mortgages. They explore the implications of mortgage overpayment on cash flow, financial stress, and overall financial planning. The conversation emphasizes the importance of liquidity and how having access to cash can alleviate financial worries, especially as individuals approach retirement. Through various strategies, they illustrate how managing cash flow effectively can lead to better financial outcomes and peace of mind.

    Check out our website: beerandmoney.net

    For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo

    Takeaways

    The top financial question is whether to overpay on a mortgage.
    Many clients feel financially stressed despite having good incomes.
    Cash flow and liquidity are crucial for financial peace of mind.
    Overpaying on a mortgage can reduce long-term debt stress.
    Having cash reserves can provide opportunities and reduce anxiety.
    Financial planning should consider both cash flow and balance sheet.
    Real-life financial decisions often differ from spreadsheet calculations.
    Peace of mind is a valuable aspect of financial planning.
    Strategies should be tailored to individual circumstances and needs.
    Liquidity can sometimes be more important than maximizing returns.

    Chapters

    00:00 Understanding Mortgage Overpayment Concerns
    05:43 The Cash Flow Conversation
    10:57 Strategies for Mortgage Management
    14:25 The Importance of Liquidity and Peace of Mind

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    19 分

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