Tag Archives: Financial

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59. The Future Of Low Returns



We would all love to have a crystal ball to show the future, but for now we will have to rely on the possibilities.

In this episode, Royal Standley talks about the predicted stock market lows for the next 10 years. Royal explains the current stock market and predictions for the future based on current and past examples of similar markets.

Royal discusses:

  • How inflation could affect stock market prices
  • How advisors are planning and advising clients for the future stock market
  • His advice for future investments
  • And more!

Connect With Royal Standley:

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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58. What Are My Income Options After Retirement?



You still need a source of income once you retire, but do you know what your options are for funding your retirement? More importantly, do you know the risks associated with each option?

In this episode, Royal Standley discusses how you can fund your retirement and reveals several ways you can prepare your income for retirement no matter what stage of life.

Royal discusses:

  • How you can make the most out of your social security
  • The benefit of PERS during retirement
  • How owning real estate can turn into retirement income
  • The risk of selling something on a note
  • Is there a place for annuities?
  • What role investments play
  • And more!

Resources:

Oregon Pacific Financial Advisors | About Royal Standley | Schedule Online with Royal Standley | (541) 772-1116 | Email Royal Standley | Episode 43: Homeownership In Your Retirement Plan | Episode 13: Is Diversifying Into Real Estate Right For You? | Episode 24: Solving Your Retirement Puzzle, Part 1 | Episode 25: Solving Your Retirement Puzzle, Part 2

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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57. Prepare For Winter



With restrictions starting to lift and restaurants opening up, spending money during the summer is more tempting than ever.

In this episode, Royal Standley discusses the importance of keeping your financial plan in mind as the world begins to reopen. Discover simple ways you can ensure your financial plan is up to date and benefiting your future.

Royal discusses:

  • The importance of planning for the future
  • The risk of inflation
  • Easy ways you can start saving money
  • The benefit of disability insurance
  • How emotions can impact your portfolio
  • And more!

Resources:

Oregon Pacific Financial Advisors |  About Royal Standley  | Schedule Online with Royal Standley | (541) 772-1116  | Email Royal Standley 

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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50th Episode Special – Making an Impact in the Community – With Mary Ferrell



Children, teenagers, young adults, families – all of them are affected by housing instability to some extent.

To address this problem, Royal Standley invites Mary Ferrell, founder and executive director of Maslow Project to the podcast. In this episode, Mary shares her years of experience in working with homeless people of all age groups, and talks about the various initiatives undertaken by her team at Maslow to help them stabilize their life through education, housing, food and other resources.

You will learn:

  • How Maslow helps the youth establish life goals, work towards them, and navigate through the complexity of various social services
  • Eye-opening statistics about the current situation of homeless people
  • Why education is the key to reducing chronic adult homelessness
  • The severe impact of COVID-19 on homeless people
  • How you can join the Maslow Project in making a huge impact in your community
  • And more!

Join us for this 50th episode special podcast, as we explore ways of enhancing the lives of those around us, because every life matters!

Resources: Oregon Pacific Financial Advisors |  About Royal Standley  | Schedule Online with Royal Standley  | (541) 772-1116  |  Email Royal Standley | Mary Ferrell on LinkedIn | Maslow Project

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 49 – How Libraries Can Help You Learn, Connect and Grow – With Rebecca Stoltz



In the modern technological era, with everything moving towards digital, people often ask, “Why are libraries still relevant today?”

In this episode, Royal Standley joins Rebecca Stoltz, executive director at The Josephine Community Library Foundation, to explain why libraries are not just a book repository, but a community center where people can connect and grow. They also take a look at how libraries are taking an innovative approach during COVID to make knowledge accessible anywhere, anytime and to anyone.

You will learn:

  • The tremendous support that libraries provide to people with limited learning resources
  • How the Libby App brings thousands of ebooks and audiobooks at your fingertips
  • What the Dolly Parton’s Imagination Library program is all about – and how it can benefit your children
  • The biggest service offered by libraries that often gets overlooked
  • Where the library system is headed over the next 3 to 5 years
  • And more!

Tune in now to learn why libraries are the heartbeat of every community! 

Resources: Oregon Pacific Financial Advisors | About Royal Standley  |  Schedule Online with Royal Standley  | (541) 772-1116  |  Email Royal Standley | Josephine Community Library | The Josephine Community Library Foundation | The Libby App | Dolly Parton’s Imagination Library

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 48 – Getting More Things Done in Less Time



You can’t create more time, but you can boost your productivity and efficiency by managing the limited time that you have.

In this episode, Royal Standley addresses the biggest challenge faced by people in their day-to-day lives – time management. He discusses several tips and tricks to help you achieve your goals in a timely manner by prioritizing your tasks and overcoming the very common problem of procrastination.

You will learn:

  • The importance of having an action mantra to help you refocus on your work
  • How to use the Eisenhower Matrix to categorize tasks based on their importance and urgency
  • Ways in which you can minimize all potential interruptions and be more productive
  • Why you should always set specific time limits for your short-term and long-term goals
  • Things to consider while creating daily to-do lists
  • And more!

Listen now and learn how to get more work done in less time, and still have enough time to relax, unplug your brain and spend quality time with your family!

Resources: Oregon Pacific Financial Advisors  |  About Royal Standley  |  Schedule Online with Royal Standley  | (541) 772-1116  |  Email Royal Standley | The Eisenhower Matrix | Peter Montoya | Deep Work by Cal Newport | Eat That Frog!: 21 Great Ways to Stop Procrastinating and Get More Done in Less Time by Brian Tracy

 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 47 – A Simple 7-Step Guide To Optimize Your Business Exit



Market surveys show that a large number of business owners plan to exit their business in the next 5 to 10 years.

Are you one of them?

In this episode, Royal Standley shares a simple yet highly effective 7-step guide that helps you achieve maximum value from your business exit, whether it’s a sale to an outside party or an internal transfer of ownership to family or employees. Join him as he assists business owners define their ideal vision, and provides various strategies to achieve them.

In this episode, you will learn:

  • The importance of planning your exit well in advance to maximize your business value
  • How to cover any potential gaps in your financial plan through a robust gap analysis
  • How to ensure business continuity, should something happen to you, and integrate your business sale with your estate planning
  • Ways to build and preserve your business value using efficient value drivers
  • And more!

Tune in now to learn how you can lay out strong groundwork for your business exit, so that the transition is seamless and far more efficient!

Resources: Oregon Pacific Financial Advisors  |  About Royal Standley  |  Schedule Online with Royal Standley  | (541) 772-1116  |  Email Royal Standley 

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 46 – How To Secure Your Financial Future Amid the Market Turmoil



Looking at drastic market swings, people often get emotionally overwhelmed and seek to “time” the market in the short-term.

In this episode, Royal Standley highlights the importance of building a comprehensive plan that helps you get through the market turmoil, which may ultimately benefit you in the long-run. He also takes an extensive look back at where we were in 2020, and what the coming years look like by analyzing the potential risks on the horizon.

In this episode, you will learn:

  • What you might expect in 2021 from an economic and a market standpoint
  • Ways in which rapid innovation and a massive fiscal stimulus has affected the economy
  • The impact of the ongoing market trends on small businesses
  • How to diversify your portfolio to achieve stability and hedge against a potential boost in inflation
  • And more!

Tune in now to learn how you can be better positioned to achieve your short-term and long-term financial goals!

Resources: Oregon Pacific Financial Advisors  |  About Royal Standley  |  Schedule Online with Royal Standley  | (541) 772-1116  |  Email Royal Standley 

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 45 – 3 Essential Things New Parents Must Plan For



While a new born child calls for a lot of celebrations, it also gives rise to additional responsibilities for the parents.

In this episode, Royal Standley covers the financial aspect of having a new child. Join him as he walks through the 3 most important things every new parent must look at – estate planning, life insurance and a long-term savings plan for your child, whether it’s for college, their first home or starting a business.

In this episode, you will learn:

  • How to secure your child’s future, should something happen to you or your spouse
  • Why we recommend every parent to have a life insurance coverage that can provide sufficient financial support to your loved ones
  • The importance of establishing a savings plan as soon as your child is born
  • And more!

Tune in now to learn how you can build a solid financial plan and give your child a financial head-start in the future!

Resources: Oregon Pacific Financial Advisors  |  About Royal Standley  |  Schedule Online with Royal Standley  | (541) 772-1116  | Email Royal Standley 

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 44 – Financial Planning for 2021 and Beyond



With several advancements in the search for a vaccine, we may be possibly approaching the end of COVID. And as we are also entering a new presidency, 2021 seems full of new possibilities and opportunities!

However, you must have a strategic plan in place to make the most of those opportunities. In this episode, Royal Standley uses his expert financial insights to help you allocate your assets better, especially now when the interest rates are at an all-time low.

In this episode, you will learn:

  • How COVID has affected the domestic as well as the international markets
  • The implications of extremely low interest rates right now
  • The long-term benefits of purchasing a house now by locking in the current interest rates
  • Why you should avoid unnecessary media coverages that may be mere “opinions” instead of facts
  • Ways in which a professional advisor can help you achieve your goals
  • And more!

Tune in now to our latest episode to learn more on planning for 2021 and beyond.

Resources: Oregon Pacific Financial Advisors  |  About Royal Standley  |  Schedule Online with Royal Standley  | (541) 772-1116  | Email Royal Standley | Episode 43 – Home Ownership in Your Retirement Plan

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 43 – Home Ownership in Your Retirement Plan



Imagine having your home paid off before retirement!

In today’s episode, Royal Standley of Oregon Pacific Financial Advisors looks at how home ownership fits into your financial plan. Royal strives to help build a financial plan that includes paying off your mortgage.

In this episode, you will learn:

  • How home ownership integrates into your financial plan
  • How to look at it as buying an asset that historically appreciates
  • Why you should create a balance of paying off your mortgage and saving for retirement
  • What tools and resources can be used to see the effects of paying extra on your mortgage
  • And more!

Tune in now for more information about home ownership in your financial plan with Royal Standley.

Resources: Oregon Pacific Financial Advisors  | (541) 772-1116 | Dave Ramsey SmartVestor  |  Episode 8: Dave Ramsey’s Baby Steps  |  Schedule Online with Royal Standley

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 42 – What Planning Ahead Can Do For Your Dream Retirement



Planning for your future can be tough, but it’s important to make sure that you have everything covered. Do you have plans in place for long term care needs?

In today’s episode, Royal Standley discusses everything you need to know about long term care insurance and why it’s important to make sure you consider planning for the unexpected.

In this episode, you will learn:

  • What planning ahead can do for you to ensure your dream retirement
  • Breaking down the misinformation about long-term care
  • The types of long-term care policies and plans
  • The sweet spot to purchase insurance
  • And more!

Listen now to get ahead on planning for your future with long-term care. 

Resources: Oregon Pacific Financial Advisors  |  About Royal Standley  |  Schedule Online with Royal Standley  |  Long Term Care Strategies [Slideshow]  |  (541) 772-1116  |  Email Royal Standley

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 41 – Setting Your S M A R T Goals



There is never a perfect time to start, so why not start now?

In today’s episode, Royal Standley of Oregon Pacific Financial Advisors shares his experience on setting goals. Whether you are looking to set short-term or long-term goals Royal explains ways to implement goal setting tactics into your financial life, career, family or health.

In this episode, you will learn:

  • Why Royal believes goal setting is important
  • What the different types of goals are 
  • What S M A R T goals represent and how to implement them
  • How Royal can help you reach your goals
  • And more!

Tune in now to help reach your goals with Royal Standley.

Resources:  Oregon Pacific Financial Advisors  | (541) 772-1116 | Dave Ramsey SmartVestor  |  Episode 8: Dave Ramsey’s Baby Steps  |  Schedule Online with Royal Standley

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 40 – Meet the Team at Oregon Pacific Financial Advisors with Emma Nelson



Royal Standley introduces us to Emma Nelson, Associate Financial Planner, at Oregon Pacific Financial Advisors, Inc. 

In this episode Royal and Emma share how she entered into financial services and why she enjoys helping people build the financial resources to live their lives to the fullest. Emma also discusses her passion projects, favorite winter activities, her financial philosophy, and plenty more! 

In this episode, you will learn:

  • What leadership traits Emma brings to Oregon Pacific
  • What financial planning and client relationship philosophy Emma encompasses 
  • How Covid has affected home life and her outlook on the coming year 
  • How Emma counsels clients as they face the unknown in a pandemic 
  • And more!

Tune in now to meet Emma Nelson.

Resources: Oregon Pacific Financial Advisors  |  About Emma Nelson  | (541) 772-1116  |  Email Emma  

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 39 – The Coach To Your Financial Plan with James Monroe



A coach is somebody that’s in it with you, for you and looking out for your best interests.

In today’s episode Royal Standley introduces us to James Monroe, Financial Planner and Retirement Plan Specialist, who joined the team at Oregon Pacific Financial Advisors in March 2019. James shares how he got into financial services, what brought him to Oregon, the community projects he is passionate about and plenty more! 

In this episode, you will learn:

  • How James’ extensive background transitioned into insurance and financial services
  • Why James is passionate about getting rid of financial illiteracy
  • What his philosophy is when working with clients
  • Why James believes in building succession plans and the best team for your long term needs
  • And more! 

Tune in now to meet James Monroe! 

Resources: Oregon Pacific Financial Advisors  |  About James Monroe  |  Life by Design Episode 27 with James Monroe  |  Employer Sponsored Retirement Plans: Why a Financial Planner Helps(541) 772-1116  |  Schedule Online with James  |  Email James  

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.

CRD#: 5882437


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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.

 


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Episode 23 – What The SECURE Act Means for You



The recently approved SECURE Act has brought significant changes to the retirement system in the U.S. It’s time to explore these changes and discuss your new planning opportunities. 

In this episode, Royal Standley cracks open the SECURE Act to explain what changes are in effect and what they might mean for your retirement plan.  

In this episode, you’ll learn: 

  • How the death of the stretch IRA will impact the heirs of IRAs
  • Why Royal believes that the new RMD age opens up planning opportunities
  • Which changes to 529 plans could benefit a family with a new baby
  • How the policy behind 401(k) plans has been affected by the SECURE Act
  • And more!

Tune in now to find out what the SECURE Act has to offer you!

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 22 – How to Write Your Legacy Letter



Have you ever considered writing a legacy letter for your loved ones? 

In this episode, Royal Standley shares client examples and his own personal example of how a meaningful legacy letter can add heartfelt value to an estate plan. After all, passing along words of appreciation, thoughts, and intentions to your loved ones will stay with them a lot longer than any amount of money ever will.

In this episode, you’ll learn: 

  • About the benefits of using a trust
  • Why it’s important to have an advanced directive or a buy/sell agreement
  • What the value and purpose of a legacy letter is
  • Recommendations on what to include in your legacy letter
  • How to file your legacy letter for safekeeping
  • And more

Tune in now and learn how to write your own legacy letter.

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 21 – Transitioning into Retirement



When planning for retirement, the conversations you have with your advisor may focus only on the financial side of this new life stage. Sometimes, advisors fail to communicate that there is also an emotional side of retirement that can be challenging for some people.

In this episode, Royal Standley helps you remove some of the uncertainty around this subject, and he discusses general challenges that many people experience when transitioning to this new chapter.

In this episode, you’ll learn:

  • Some ways your life might change when you’re no longer working every day
  • How you can make this shift more manageable for you
  • Activities that can help you enrich your life in retirement
  • And more!

Tune in now and explore all of the ways that you can live a fulfilling 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 20 – How to Plan for Retirement Later in Life



There are many reasons why people start planning for retirement later in life, but what they may not realize is that achieving financial stability is still possible.

In this episode, Royal Standley explains what people in this particular situation can do to gain financial stability and help get them on the best possible path forward.

In this episode, you’ll learn:

  • Which resource could be the biggest lever for improving your financial situation
  • Options for building up your retirement savings
  • What expenses that might be hindering you from saving more for retirement
  • And more!

Tune in now and learn more about achieving your best financial situation in 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.

 


Episode 19 – Tips for the Recent College Grad



Graduating from college is usually an exciting time for young people, but trying to figure out the next step can feel daunting.

In this episode, Royal Standley shares useful tips on how recent graduates can lay the right foundation early on. He discusses paying back student loans, whether to rent or buy, emergency funds, and more.

In this episode, you’ll learn:

  • The benefits and importance of exploring different career paths
  • The right mindset to have when you begin your first job after college
  • How to handle student debt effectively and avoid personal debt
  • What a personal mortgage insurance is and how it works
  • The importance of budgeting and managing housing cost
  • The different types of insurance to get
  • And more

Tune in now and learn how you can get off on the right foot after graduation!

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 18 – Meet the Oregon Pacific family — Introducing Ron Naumann



Knowing your team is fundamental to achieving success. In this episode of Life By Design Podcast, we meet Ron Naumann, who has been an advisor at Oregon Pacific for 18 years.

Ron has taken his professional life on a path he never expected: He went from working as a manufacturing engineer to becoming an accomplished financial advisor. What inspired Ron to become a financial advisor?

In this episode, you’ll learn:

  • About Ron’s role at Oregon Pacific
  • Why he decided to switch careers to become a financial advisor
  • Ron’s financial philosophy and specialties
  • Why he is intrigued by Albert Einstein and how that shapes his approach with clients
  • Ron’s biggest recommendation for listeners
  • And more!

Tune in now and learn more about the Oregon Pacific family!

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 17 – How to Recognize a Scam and Avoid Becoming a Victim



There are many types of scams and some of them are fairly sophisticated. It’s no wonder that people fall victim to scams more often than not.

For Royal Standley, prevention is the best tool against scammers. In this podcast, Royal gives you insight into the mechanisms that scammers use to get your attention and strategies you can use to avoid scams.

In this episode, you’ll learn:

  • About the most common types of scams
  • Which psychological techniques scammers use to manipulate people
  • How to recognize a scam
  • How to protect yourself from a scam
  • What actions to take if you get scammed
  • And more!

Tune in now and learn how to protect yourself against the most common scams.

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 16 – Your Top Life Insurance Questions Answered



Life insurance, with all of its moving pieces, can be a difficult concept to understand. Considering that there are different types of insurance policies to sift through, how can you make an informed decision?

In this episode of The Life By Design Podcast, Royal Standley dives deep into life insurance, explaining its true importance as part of a comprehensive financial plan. Join Royal as he tackles the complexities of life insurance and paints a much simpler picture on this sometimes undervalued financial resource.

In this episode, you’ll learn:

  • About different types of life insurance
  • What tax benefits life insurance can offer you
  • What hybrid life insurance policies are
  • How to find a reputable insurance company
  • Who should get life insurance
  • And more!

Tune in now and change your view about life insurance!

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 12 – Let’s Talk About Your Money and Your Taxes



Money. It’s not the easiest subject to talk about or the most comfortable.

But today, you can rely on Royal Standley’s experience as he sheds more light on important subjects to help you plan for your financial future. This episode is all about understanding what different ways of gaining and saving money could mean for your tax return.

In today’s episode, you will learn:

  • About qualified and non-qualified money and how they affect your taxes
  • Whether it is possible to transfer money from an old 401(k) to a new 401(k)
  • Why Roth IRAs and Roth 401(k)s are some of the most powerful retirement-planning tools
  • Why it’s beneficial to roll money into only one or two accounts
  • About the advantages of a Roth 401(k) and a Roth 403b
  • About different types of annuities
  • And more!

Tune in now and gain clarity about money, savings, and tax 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.