Tag Archives: Benefits

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Episode 37 – 401(k) or Roth 401(k): Which One is Right For You?



Are you looking for the answers to your questions on Roth 401(k)? Join Royal as he unravels the information to help you understand your retirement savings.

In this episode, Royal Standley explains the differences between IRAs and Roth IRAs. Should you look at converting? Royal helps explain the different types of money and your options.

You will learn:

  • The differences between a Roth, 401K  and IRA 
  • The limitations that are set on your retirement investments
  • How important a financial planner is when making these decisions
  • Some factors you need to consider when planning and start planning early  
  • And more!

Tune in now to consider how you can best reach your retirement goals.

Resources:  Oregon Pacific Financial Advisors: (541) 772-1116 

Advisory Services offered through Oregon Pacific Financial Advisors, Inc. Securities offered through United Planners Financial Services of America, Member FINRA / SIPC. Oregon Pacific Financial Advisors, Inc., and United Planners Financial Services are independent companies.


Episode 36 – How Will the Markets React to the 2020 Election?



Election time is coming fast. How will the outcome of the 2020 U.S. election affect the market and your portfolio?

In this episode, Royal Standley explains how the market typically reacts to a newly elected president and throughout a presidential term. Royal discusses what we saw with the markets during President Donald Trump’s term and what to consider, from an economic and financial perspective, about potential outcomes of the next election.  

You will learn:

  • The historical impact that presidential elections have had on the market
  • Which year of a president’s term is usually the best year in the market 
  • How the capital market assumptions have changed from the beginning of the year until now
  • Why what happens in the Senate can be crucial come election time
  • And more!

Tune in now to consider how the upcoming election could affect the market.

Resources:  Oregon Pacific Financial Advisors: (541) 772-1116


Episode 35 – Prepare for a Financially Secure Life



So, you’ve landed your first job, you get your first paycheck, now what do you do with your money? How do you set yourself up for financial success?

In this episode, Royal Standley discusses the importance of setting yourself up for success by setting habits and taking early steps for a financially secure life. 

In this episode, you will learn:

  • What to discuss with your advisor if you’ve just entered the working world
  • When you should start working with an advisor
  • The importance of creating healthy financial habits early
  • Why you should be setting goals for your career
  • How student loans and debt repayments play into the conversation
  • And more!

Tune in as Royal walks you through the steps you should be taking to become financially secure. 

Resources: Oregon Pacific Financial Advisors: (541) 772-1116

Advisory Services offered through Oregon Pacific Financial Advisors, Inc. Securities offered through United Planners Financial Services of America, Member FINRA / SIPC. Oregon Pacific Financial Advisors, Inc., and United Planners Financial Services are independent companies.

 


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Episode 28 – All About the CARES Act –– With Royal Standley



In response to the COVID-19 pandemic, the American government has recently passed the CARES Act that will allow millions of people to access different benefits during this challenging time. 

In this episode, Royal Standley breaks down the different types of government assistance that Americans will now have access to, spanning from unemployment and student loan considerations to an extended tax filing date.

In this episode, you will learn:

  • The pros and cons of the CARES Act 
  • How to qualify for recovery rebates 
  • Recommendations for what actions to take with your rebate money
  • What provision might allow people to free up retirement dollars
  • And more!

Tune in now to become familiar with the newly passed CARES Act and how you might benefit.  

Resources:  Oregon Pacific Financial Advisors 

Advisory Services offered through Oregon Pacific Financial Advisors, Inc. Securities offered through United Planners Financial Services of America, Member FINRA / SIPC. Oregon Pacific Financial Advisors, Inc., and United Planners Financial Services are independent companies.