We all need to make smart decisions with our money. The Long Term Investor shows you how to do it.
Hosted by the Chief Investment Officer at Plancorp and aut...
A Life-Changing Retirement Is About More Than Money With Benjamin Brandt (EP.189)
The retirement you’ve worked so hard for should be more than just financially secure—it should be truly fulfilling. In this episode, Benjamin Brandt, financial planner and host of the award-winning Retirement Starts Today podcast, reveals how to break free from limiting mindsets and create a retirement plan that prioritizes your passions, values, and connections. Whether you’re on the cusp of retirement or already enjoying it, this conversation will challenge how you think about retirement and offer a fresh perspective on what truly matters. Listen now and learn: How to shift from a scarcity mindset to one that maximizes joy, experiences, and memories. Why common financial tools may unintentionally limit your potential—and how to reframe them for greater fulfillment. Actionable tips for building meaningful connections and creating a legacy through shared experiences. How to redefine your identity and purpose as you transition into retirement. Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions. (00:00) Introduction (01:45) Abundance vs. Scarcity in Retirement Planning (04:12) The Time Machine Thought Experiment (10:35) Rethinking Monte Carlo Analysis and Retirement Success Rates (16:40) Creating Memories That Last Beyond Retirement (23:21) Preparing Emotionally for Retirement (24:55) Connect with Ben Brandt
--------
26:08
How Much Do You Need to Retire Comfortably? (Key Benchmarks and Milestones Explained) (EP.188)
Sign up for my newsletter so that you don’t miss special offers and exclusive content. How much money do you really need to retire? It’s one of the most important—and personal—questions in financial planning. This episode explores two popular retirement savings benchmarks, and explains why they may or may not work for you. But benchmarks are just the beginning. Peter dives into personalized strategies to calculate your income replacement rate and portfolio withdrawal needs, revealing the key factors that make retirement planning unique for everyone. If you’re ready to take the guesswork out of retirement planning and learn what it takes to build a future you can feel good about, this episode is for you! Listen now and learn: How much you should have saved at each age Why income replacement rates vary—and what yours might be How to estimate your retirement portfolio needs with real-world examples The tools Plancorp uses to help clients plan for success Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.
--------
10:56
How Direct Indexing Could Save You Money On Taxes With Adam Cmejla (EP.187)
Ready to retire but uncertain about your next steps? Let’s build a retirement plan you can count on. Schedule a call with Peter now. Sign up for the newsletter for exclusive content. ----- In this episode, I’m sharing a great conversation I had with Adam Cmejla, CFP® on his podcast, 20/20 MONEY. We talked about something that’s changing the way people invest: direct indexing. Not familiar with direct indexing? Don’t worry, you’re not alone. We break it down in a simple way so you can see how it might work for you. We also chatted about how strategies like tax loss harvesting can help you manage your investments more efficiently, especially if you own a business or are preparing for a major financial milestone, like selling a practice. I’m excited to share this conversation with you in hopes you’ll be able to learn practical and approachable ways you can make more thoughtful, informed decisions with your money. Listen now and learn: ► What “direct indexing” is and how it can help you save on taxes. ► Why tax loss harvesting is a game-changer for your financial plan. ► How investing is about much more than just returns. Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions. (01:36) What is Direct Indexing? (06:02) Tax Loss Harvesting Explained (13:59) The Evolution of Investing (19:33) Use Cases for Business Owners (25:07) Accumulation vs. Decumulation (31:00) Risks and Misconceptions (38:06) Future of Direct Indexing
--------
41:27
The Financial Advisor Checklist: What To Look For (And Avoid!) (EP.186)
Ready to retire but uncertain about your next steps? Let’s build a retirement plan you can count on. Schedule a call with Peter now. Sign up for the newsletter for exclusive content. ----- Do you know what to look for when hiring a financial advisor? Choosing a high-quality advisor can feel overwhelming, with countless titles, credentials, and compensation structures to navigate. In this episode, we discuss core items to look for, a framework to identify an advisor who aligns with your goals, and how the fees could impact your retirement plan. Listen now and learn: The biggest myths about financial advisors that could cost you Why some advisors might not have your best interests at heart Key steps to simplify the process of finding the right financial partner Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.
--------
16:31
Retirement Planning: Should You Go It Alone or Hire An Advisor? (EP.185)
Ready to retire but uncertain about your next steps? Let’s build a retirement plan you can count on. Schedule a call with Peter now. Sign up for the newsletter. ----- Is managing your finances yourself costing you more than you realize? Discover the real value a financial advisor may be able to bring to your retirement planning. This episode explores the pros and cons of going solo in your financial journey versus partnering with a professional advisor. Using relatable analogies and real-life examples, Peter highlights how a financial advisor may be able to help you avoid costly mistakes, seize growth opportunities, and simplify your financial life. Whether you’re a do-it-yourself investor or considering professional guidance, this episode provides practical insights to help you understand if professional guidance could be a good fit for you. Listen now and learn: The hidden costs and risks of do-it-yourself retirement planning. How financial advisors bring value beyond just managing investments. Practical considerations for deciding when and why to hire an advisor. The benefits of having a comprehensive financial plan for long-term success. Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.
We all need to make smart decisions with our money. The Long Term Investor shows you how to do it.
Hosted by the Chief Investment Officer at Plancorp and author of “Making Money Simple,” Peter Lazaroff distills complex financial matters into easily digestible lessons.
If you’re ready to get a clear plan for your investments and personal finances, you’re in the right place.
México