Financial video library

The Representative Payee and Social Security Why Social Security Won’t Accept Your Power of Attorney Key take-aways: Use the SSA-4547 form to designate a Representative Payee for Social Security benefits. The Social Security Administration does not recognize...

The Illiquid Millionaire: Retirement Reality in New Jersey How Can You Be Rich - But Still Broke In 2025? https://www.youtube.com/watch?v=87s8JH8ddt8 Takeaways: 1. Significant appreciation in New Jersey property values has created the illiquid millionaire. It's not...

Is the S&P 500 in a bubble? https://www.youtube.com/watch?v=iB_imC0wUYk Key Takeaways: The very same top 8 mega-cap tech stocks dominate both NASDAQ 100 and S&P 500 Market concentration is high - but not unprecedented, or necessarily a bubble Sector leadership...

Optimal Social Security Claiming Strategy Key takeaways from the video: 1.  An optimal Social Security Claiming Strategy depends on balancing breakeven analysis, longevity risk, and lifestyle goals. 2.  Claiming Social Security at 62 vs 70 has major implications for...

Timing the Market, or time IN the markets? https://www.youtube.com/watch?v=MJbUqYnQTCI Key Takeaways from Timing the Market: 1. Missing just one day off the bottom can reduce returns by nearly 10% 2. Sharp market recoveries are more common than most investors think 3....

You Can Outlive Your Money https://www.youtube.com/watch?v=T8YDKosTzjY Key take-aways: Planning the first few years of retirement might be easy. What will the last five years (or ten years) look like? You CAN outlive your money - the risk is real.  Today, retirees may...

Avoid This Costly Retirement Account Mistake https://www.youtube.com/watch?v=shCj_RA6rz4 Key Take-aways from Avoid This Costly Retirement Account Mistake: Pre-tax savings help more when in higher tax brackets. Withdrawing early can cost dearly in penalties and taxes. ...

Trump Savings Account Key take-aways: No tax deduction for contributions Cash only (no appreciated stock deposits) Contributions: before age 18: only parents, guardians, or employers can contribute (up to $5,000/year) Contributions: after 18 ? only the account owner...

Trump Accounts Are Coming.  Now What? Key take-aways: Ownership Structure: Trump Accounts are owned by the child, similar to a 529 college savings plan, emphasizing that they are primarily for retirement, not for college or home purchases. Account Features: These...

Savings Rate vs Rate of Return https://www.youtube.com/watch?v=KJyPu2WL_iA Key takeaways: Why savings rate matters more when choosing between savings rate vs rate of return How compound interest and contributions work together over decades Why you shouldn’t count on...

Reinvest Dividends or Take the Cash? https://www.youtube.com/watch?v=Rhd1H1Sw4gE Takeaways: Total return beats price return by factoring in dividends, which can meaningfully boost long-term gains. S&P 500 vs. NASDAQ: Over the past 5 years (up to August 2025),...

Transfer on Death Accounts Transfer on Death (TOD) and Payable on Death (POD) accounts can unintentionally change inheritance plans. Life changes, such as selling a home, can shift large assets into TOD/POD accounts. Unequal distribution from TOD accounts can cause...

Preparing For Retirement - What Most People Forget About Retirement https://www.youtube.com/watch?v=-O16lCBP0c4 Takeaways: Retirement success depends on more than just the math.  Your physical and mental well-being matter. Nearly 30% of adults over 70 struggle with...

Peace of Mind - working with an advisor: Vanguard https://www.youtube.com/watch?v=pTST5kWh4ZA Key Takeaways from the "Peace of Mind" video: Vanguard: 88% of advised investors working with an advisor feel more peace of mind vs. do-it-yourself. Working with a financial...

Modified Adjusted Gross Income Key Takeaways: Modified Adjusted Gross Income determines Medicare premiums (IRMAA). MAGI (Modified Adjusted Gross Income) isn’t a line on your tax return. If you exceed the IRMAA threshold by $1, you'll pay higher premiums. Medicare uses...

One Big Beautiful Bill Key Takeaways: 1. SALT Deduction Increase: From $10,000 to $40,000 (indexed for inflation through 2029) — but phased out at certain income levels. 2. Tax Brackets from the 2017 Tax Cuts and Jobs Act are now permanent for individuals and...

How Much Should I Contribute To My 401k Here are some of the key take-aways from the video "How Much Should I Contribute To My 401k?" - 61% of retirement plans feature automatic enrollment - Two-thirds of those plans automatically increase 401(k) deferrals - Those...

Some Investors May Beat Their Funds Key take-aways: In some Vanguard Target Date Funds, some investors may beat their funds on their own, from April 2022 to April 2025 The role of dollar-cost averaging and consistent contributions during market downturns helps some...

One Thousand Dollars for Every Newborn Key takeaways: The proposed government-funded one thousand dollars for every newborn account raises concerns about long-term impact, parental control, and financial responsibility. 529 plans may be a more established and flexible...

Worried About Outliving Your Money in Retirement? How to Combat Inflation https://www.youtube.com/watch?v=EhlGIbLUHek Key Takeaways: Inflation is a long-term threat to retirement security Retirees need a strategy—not just savings The "bucket strategy" helps manage...