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At some point in a business owners life there comes a time to make the decision to sell the company. We discuss how and when to recognize that this might be the time and to act on it. The best way to understand this is to plan for the eventual sale of a business, understand how much the business might be worth, evaluate whether that amount supplies the assets necessary to complete your retirement plan and start to formulate a spending program for post retirement. It is seriously important to invest carefully, conservatively and with a protection of assets mentality in order to successfully navigate this next chapter in your financial life.

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Over the last 25 + years there has been a real change in the way we expect a financial advisor to help us. Years ago we had brokers that helped us trade stocks, had a large sales force, created and sold product and had a long history of depending on a client’s willingness to change. In today’s world your independent registered investment advisor is held to a highest standard of care, does not create or sell product and is able to help you fashion a financial plan that is specifically suited for your needs and wants. This remarkable evolution in asset management allows you to find and work with an independent financial advisor that will find investments that fit your portfolio instead of fitting you into his program.

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This podcast discussed the change from producing active income to passive income in the transition from work to retirement. It goes into detail to examine the amount of risk that can be tolerated in terms of the amount of time the various blocks of money can be invested. For instance, money needed in the short term must be invested much more conservatively than money the is allocated for legacy issues for heirs. By carefully examining the nature of assets and breaking them into time sensitive categories it is much easier to choose appropriate investment options and the amount of risk that can be tolerated.

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This podcast describes a financial analysis and planning tool that Mr Fee has created that allows you to understand your financial life better than you can imagine. This tool starts with the collection of data such as IRA’s, 401K’s, social security, investment funds available, real estate and all other assets that you own or expect to own during your working career. Mr Fee then conducts an interview to understand at what age you might want to retire, sell certain assets, collect on pensions and social security and inputs all of this data into the PensionTRAC tool. Once this process is complete you are able to use the information to project the amount of passive income that will be available at certain ages and divide up your assets into categories with differing life spans.

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In today’s economy everyone has pretty much accepted that the “old normal” world of financial planning and the intentional, deliberate and steady way of building wealth may no longer work. The “new normal” is defined by certain facts such as: excessive growth in markets is unsustainable, increasing personal debts need to be reduced or paid off, actual savings needs to be increased, spending needs to be curbed to reasonable and affordable levels along with many other realities of the current economic situation. Mr Fee tells us how this can and will affect us and how to deal with it in your personal financial plan.

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Most of us have heard that ”it’s not personal, it is business” but when it comes to your personal financial planning it is personal, even when talking about your business. There must be an integration of business, financial and personal goals in order to formulate an effective financial plan for business owners. Mr Fee walks us thru a couple of examples of how you can integrate your life into a successful financial plan that will allow you to reach your goals.

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This podcast discusses the need for long term planning in order to set financial goals and have as much time as possible to find ways to reach them. As you can imagine, if you have 30 years to save and plan for your retirement it is much easier to achieve those goals than if you only have 5 years to do so. Mr Fee tells us to go forward and look back to help project your needs at certain ages and then look back to see what can be done to provide for them early. His goal is to give you an understanding and confidence around your financial life that most of us have not experienced before.

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We finally get to the point where we can discuss the actual structure of a portfolio after taking into account the other topics covered with Mr Fee. Long term financial planning, the personal side of the issue, perfect planning with Pension TRAC™, behavioral economics, selling a business and risk tolerance and investing. Tom shows us how to take, risk, tolerance, time factor by category of monies, investment goals, complexity of investment options and diversification into account in building a portfolio.

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In this podcast, Mr Fee describes to us concepts that we relate to each and every day and we might not even know that we are playing along. This will help you know that we react to markets in ways that have an effect on the Macro economics (economy) and make decisions that relate to our Micro enonomics (client). We may not even know that we process information in the news, from friends and seminars, television and radio that enter into decisions that we make on a daily basis. This knowledge can help us to remain focused on our individual financial plan instead of reacting to the markets which might cause us to unwillingly derail our individual plans.

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