• New Year, New Me: How To Change Your Money Attitude In 2025
    Jan 8 2025

    As we step into 2025, many of us set New Year’s resolutions—whether it’s eating healthier, exercising more, or cutting back on a vice. But what if we also focused on improving our attitude toward money?

    The New Year is a great time for a reset and to adjust our attitudes when it comes to finances, and in this episode, Lee will break down what some of those financial attitude shifts could be. From being more mindful of the long-term financial impact of today's decisions to taking that first step toward building a retirement plan, there’s always room for improvement when it comes to managing money.

    Let’s kick off 2025 on the right financial foot!

    Here’s what we discuss in today’s show:

    • Consider your future when making financial decisions
    • Finding the balance between saving and spending
    • Knowing what you have and where it is

    Want to set up a meeting with us? Visit us here: http://talkwithjp.com

    Get more financial education at http://myretirementclarity.com

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    19 mins
  • Making The Most of Your Retirement Years with Long-Time Client, Joey Kinard
    Dec 18 2024

    In this episode of My Retirement Clarity, Lee sits down with a long-time client and friend, Joey Kinard, to discuss how he and his wife are making the most of their retirement years. From traveling to new places to embracing an active lifestyle, Joey shares what’s been working for them as they enjoy this exciting chapter of life.

    Joey’s early retirement was filled with memorable RV adventures. These days, he and his wife enjoy exploring state parks, visiting local farmers markets and festivals, and spending time at their favorite getaway- Alligator Point, Florida. Joey offers great insights on checking off bucket list items, staying active and maintaining a sense of community in retirement.

    Along the way, we’ll talk about financial freedom, the importance of knowing your spending habits, and why time is your most valuable resource in retirement. Tune in as we explore what it means to retire with intention and enjoy the journey!

    Here’s what we discuss in today’s show:

    • Renting a house in Alligator Point and Joey’s experience with RV travels
    • Staying in state parks and renting cabins
    • Pros and cons of purchasing a vacation home + Joey’s favorite trip
    • Staying healthy and active in retirement
    • The importance of understanding your retirement spending
    • Farmers markets and festivals that Joey and his wife have enjoyed

    Want to set up a meeting with us? Visit us here: http://talkwithjp.com

    Get more financial education at http://myretirementclarity.com

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    50 mins
  • Mailbag: Should I Restart My 401(k) Contributions After A Break?
    Dec 4 2024

    At JL Perkins Wealth Management, we receive all sorts of questions about financial and retirement planning, but some themes come up more often than others. In today's mailbag edition of the show, we'll tackle some of the most common questions we answer on a daily basis.

    Lori wonders whether it’s advisable to help her aging parents financially, especially with potential long-term care needs. Matt asks if he should resume his 401(k) contributions after pausing them due to the election. If you’re listening to this episode, you’ve likely had questions about one or two of these items, so stick with us!

    Here’s what we discuss in today’s show:

    • "Since I've had my annuity long enough to withdraw without penalty, should I take it all out now?"
    • "My husband is nine years older than me, and we have a large life insurance policy on him. What happens if the insurance company goes bankrupt and can't pay the death benefit?"
    • "My parents didn’t save much for retirement, so I’m worried about covering long-term care costs. Is it common to help parents financially, or should I try to avoid it if possible?"
    • “Should I buy gold coins or gold bars or no gold at all?”
    • "My father-in-law recently passed away and left us unexpected money. We want to give it to our son, but I’m worried he’ll just spend it irresponsibly. Any suggestions on how to handle this?"

    Want to set up a meeting with us? Visit us here: http://talkwithjp.com

    Get more financial education at http://myretirementclarity.com

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    28 mins
  • For Couples, Retirement Planning Is A Team Sport
    Nov 20 2024

    When it comes to retirement planning, it’s critical that you and your spouse are on the same page. That doesn’t necessarily mean that you’ll agree on every little detail, but it does mean that compromise and honest conversations are a big part of navigating the process together.

    Join Lee as he dives into why aligning with your spouse is so important, where disagreements tend to arise, and the key topics you should be discussing. Plus, he’ll share how financial advisors can help couples find financial common ground.

    Here’s what we discuss in today’s show:

    • Getting on the same page financially with your spouse
    • What Lee often sees the first time he meets with a couple
    • The most important things to discuss with your spouse when it comes to retirement
    • What areas cause the most disagreement
    • How Lee helps folks find a financial common ground

    Want to set up a meeting with us? Visit us here: http://talkwithjp.com

    Get more financial education at http://myretirementclarity.com

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    19 mins
  • The Magic 8 Ball’s Guide to Retirement Planning
    Nov 6 2024

    Remember the thrill of shaking a Magic 8 Ball to get answers to your childhood questions? Would we ace that math test? Would we be famous someday? Well, today, we're bringing a bit of that magic back. But instead of asking about pop quizzes and playground crushes, we’re turning to the Magic 8 Ball for advice on something much more important: your retirement planning!

    What would the Magic 8 Ball have to say about these common retirement questions if it had the wisdom of a financial advisor?

    Here’s what we discuss in today’s show:

    • Is a million dollars enough to retire?
    • Can I rely on Social Security for retirement?
    • Should I be reviewing my retirement plan annually?
    • Will my retirement plan be affected by future changes in tax laws?
    • Should I focus on paying off debt before increasing my retirement contributions?

    Want to set up a meeting with us? Visit us here: http://talkwithjp.com

    Get more financial education at http://myretirementclarity.com

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    22 mins
  • Unlock Your Potential During National Financial Planning Month
    Oct 16 2024

    National Financial Planning Month is here! In this episode, we’ll do a little bit of celebrating as we look at what financial planning truly means, as well as what drew Lee into the field!

    We’ll break down what it means to be a fiduciary, how JL Perkins is different from other wealth advisory firms, and what the standard process looks like with us. Lee also shares a key tip to help you avoid starting your financial plan on the wrong foot, along with insights into the work he did before becoming a financial planner.

    You don’t want to miss what we have coming today, so pull up a chair and listen in!

    Here’s what we discuss in today’s show:

    • How Lee got into financial planning, and what he was doing before he started
    • How Lee defines financial planning
    • What you should have ready when you meet with an advisor for the first time
    • What’s different about JL Perkins?
    • Not relying on the internet for your retirement advice

    Want to set up a meeting with us? Visit us here: http://talkwithjp.com

    Get more financial education at http://myretirementclarity.com

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    26 mins
  • Retirees In Their 70s Regret These 5 Things
    Oct 2 2024

    A random, retired YouTuber did a simple video exploring the top 5 regrets from other retirees he interviewed (all in their 70s). It blew up to almost half a million views (and counting). Let’s see what regrets made the list and, more importantly, explore what proactive steps you can take to avoid having the same regrets when you retire.

    Planning and working with an advisor can make all the difference in addressing these regrets. A financial advisor can help you create a personalized retirement plan that balances your financial goals with your desire for a fulfilling lifestyle. Tune in for some valuable insights to ensure your retirement is everything you hope for!

    Here are the regrets we discuss in today’s show:

    • They wish they had retired earlier
    • They wish they had spent more when they first retired
    • They wish they took better care of their health
    • They wish they had taken up a hobby
    • They wish they had traveled more

    Retiree regrets video

    https://www.youtube.com/watch?v=mNUSJ3juAbA

    Want to set up a meeting with us? Visit us here: http://talkwithjp.com

    Get more financial education at http://myretirementclarity.com

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    19 mins
  • Never Stop Asking 'How Do You Know?' - Navigating Retirement Planning
    Sep 18 2024

    Remember when you were a kid, always asking 'How do you know?' about everything, like why the sky is blue or where the sun goes at night? That curiosity doesn't go away as we get older; it just turns into different questions, like the ones we face when planning for retirement.

    Today, we’re digging into the 'How Do You Knows' of retirement planning. How do you know how much income you’re going to need when you retire? How do you know if your retirement plan is tax-efficient? Stay tuned as Lee sheds light on these questions and more!

    Here’s some of the how-do-you-knows we discuss in today’s show:

    • How do you know how much income you’re going to need when you retire?
    • How do you know how much money you should have in your savings account?
    • How do you know when you're financially ready to retire?
    • How do you know if an advisor is a good fit for you or not?
    • How do you know if your retirement plan is tax-efficient?

    Want to set up a meeting with us? Visit us here: http://talkwithjp.com

    Get more financial education at http://myretirementclarity.com

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    29 mins