May 2, 2023 | 35 minute listen

Episode 27: Social Security & When To Take It

About one-third of Americans rely on Social Security benefits for half of their income, and for many senior citizens, these financial benefits are the most important source of retirement income. In this episode, Bay Point Wealth Advisors Jim Kantowski and Jake Sadler discuss Social Security ...

April 20, 2023 | 37 minute listen

Episode 26: ETFs What You Need To Know

ETFs, Exchange Traded Funds, are growing in popularity. If you are looking for a flexible, affordable, tax-efficient method to access a wide range of asset classes, ETFs may be right for you. Marcus Schafer, CFP®, Regional Director at Dimensional Fund Advisors joins Bay Point Wealth Advisors Jim ...

March 28, 2023 | 32 minute listen

Episode 25: How Is Your Money Protected

The banking system has been full of uncertainty following the recent high-profile bank failures, a volatile stock market, and global banking concerns. But uncertainty is unavoidable and investing comes with risks. So how do you protect yourself when a big event occurs? In this episode, Bay Point ...

March 28, 2023 | 33 minute listen

Episode 24: Home Equity – What You Need To Know

Home equity is the difference between what your home is worth and what you owe your lender. As you make payments on your mortgage, you reduce principal, and you build equity. In this podcast, Bay Point Wealth Advisors Jim Kantowski and Jake Sadler talk about how you can use your equity and the ...

March 13, 2023 | 36 minute listen

Episode 23: Taxes – What You Need To Know

It’s that time of year again, time to talk taxes! Filing taxes can be daunting, so it’s important to brush up on the basics (like filing deadlines, extensions, and software) and revisit ways to prepare financially for tax season.

March 8, 2023 | 29 minute listen

Episode 22: Rebalancing with Tax-Efficient Investments

For many of us, investing is how we save for retirement and other important life events. But after a certain period of time situations change. We experience life transitions that cause us to need adjustments in our investments. Portfolio rebalancing allows you to review the types of investments ...

February 27, 2023 | 32 minute listen

Episode 21: Required Minimum Distributions

What is a Required Minimum Distribution (RMD)? The annual amount you must withdraw from most retirement plan accounts once you reach a certain age. In this episode, Bay Point Wealth Advisors, Jim Kantowski and Jake Sadler discuss what types of plans require RMDs and which don’t. As well as ...

February 1, 2023 | 32 minute listen

Episode 20: Planning for the New Year

The beginning of a new year provides us with an opportunity to reflect on the past and set goals for the future. In this episode, we discuss creating consistent financial habits that will set you up to successfully reach your financial goals in 2023 and beyond. Bay Point Wealth Advisors Jim ...

January 9, 2023 | 37 minute listen

Episode 19: Fixed-Income Investing

Fixed-Income investments provide diversification benefits in a portfolio and may offer regular income that may be exempt from state or federal taxes. In this episode, we discuss Fixed-Income Portfolios, the impact the rise of interest rates has had on bonds, and the pros and cons of implementing ...

January 9, 2023 | 28 minute listen

Episode 18: Short Term Cash Savings

Life happens. How much cash should you have on hand for an emergency? Unexpected expenses can come along at any time. In this episode, Bay Point Wealth Advisors Jim Kantowski and Jake Sadler provide you with tips for managing your portfolio so that you can be as prepared as possible with a cash ...

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