Tag Archives: Financial

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Episode 38 – After the Smoke Is Gone



We don’t know where or when the next natural disaster is going to take place. 

In today’s episode Royal Standley shares what it looks like for clients who have lost everything in the Oregon fires.  Royal helps explain the replacement coverage you need from your insurance policy and things you can do to try and help prepare for the next event.

In this episode, you will learn:

  • How important it is to discuss different situations with your Insurance provider regularly
  • What you should know in a “Sudden Money” situation
  • The importance of taking the time to know what you really have in your home and business
  • How your priorities can be reset after a natural disaster 
  • And more!

Tune in now to learn more about being prepared for an uncontrollable event.

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 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 30 – How to Start Planning for Financial Recovery



Do you think COVID-19 will change the way the world functions technologically, socially, financially or economically? 

In this episode of The Life by Design Podcast, Royal Standley shares his tips for financial recovery so that you can be prepared for whatever the new “normal” may look like.  

In this episode, you will learn:

  • How to plan to recover from the current state of the market
  • How business owners and industry have been impacted
  • The importance of evolving workplaces and technology to work from home
  • The global impact of self-isolation and self-quarantine 
  • And more!

Tune in to learn the importance of having defined financial goals and portfolios during these unprecedented times. 

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.


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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.


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SPECIAL UPDATE: COVID-19



In this special episode, we share updates on how we are responding to the COVID-19 situation, how we’re assisting our clients, and what actions we’re advising investors to take during this time of uncertainty. 

Tune in now to learn how the markets are being affected and what we’re doing to help clients during this tumultuous time.

Resources: Oregon Pacific Financial Advisors Inc.


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Episode 26 – The Secrets Behind This Small Business’ Staying Power



Reaching the 25-year mark is a tremendous feat for a small business. The silver anniversary of Oregon Pacific Advisors calls for a celebration!  

In today’s episode, Royal Standley walks down memory lane as he talks about the story of Oregon Pacific Advisors, the secrets behind their staying power, and how he predicts each generation’s planning needs will change over the next 25 years.  

In this episode, you’ll learn: 

  • The story of how three advisors joined forces to start Oregon Pacific Advisors
  • What investment strategy Oregon Pacific Advisors holds fast to during recessions
  • About Royal’s philosophy on adopting new technology
  • And more!

Tune in now to hear this small business’ secrets to standing the test of time.

Resources:

Oregon Pacific Financial Advisors, Inc.

 

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 25 – Solving Your Retirement Puzzle – Part 2



The term “guaranteed income” sounds stuffy. But what this mini-series is really focused on is helping you consider your options for recreating your paycheck during retirement.  

In the final part of this series, Royal Standley walks you through more options for guaranteed retirement income. You will learn about money-savings pension tips, the pros and cons of different annuities, and plenty more! 

In this episode, you’ll learn: 

  • Words of caution when choosing survivorship options in a pension
  • Advantages and disadvantages to several different annuities
  • Why having an income stream from multiple sources can help you have a successful retirement
  • And more!

Tune in now to learn your options for recreating your monthly paycheck during retirement. 

Resources:

Oregon Pacific Financial Advisors, Inc.

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 24 – Solving Your Retirement Puzzle – Part 1



Your retirement will be made up of many different pieces from social security to 401(k)s and everything in between.  Do you know how to fit them all together to make it work best for you?

In this episode, Royal Standley educates us on the many variables involved with solving the retirement puzzle.  Using client examples he walks us through how your career choices may impact your long term plans and why working with a professional can help you see the forest for the trees.  

In this episode, you’ll learn: 

  • What you should review to reach your goals
  • How sitting with a financial professional helps maximize your savings
  • How Social Security fits into your future?
  • What role traditional pensions, 401(k)s and annuities play in your retirement planning
  • And more!

Tune in now because most people retire one time, Royal and his staff have been helping people successfully retire for 25 years!

Resources:  Oregon Pacific Financial Advisors, Inc.

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.