Oregon Pacific Financial Advisors – The Life By Design Podcast

Safeguard Your Finances from Scams (Ep. 91)

By The Life by Design Podcast | February 14, 2024

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Have you ever gotten a call from your bank or the government asking for money to protect your identity or finances? Or heard about scams like these in the news? How can you prevent yourself from falling prey to these predators?

Royal Standley tackles the pressing issue of identity theft and scams, providing practical tips and real-life scenarios to help listeners safeguard themselves. He highlights the necessity of proactive measures such as secure mail handling and document shredding, while cautioning against deceptive practices like fraudulent urgent calls, and stresses the importance of skepticism and verification.

Royal discusses:

Identity theft and scams, what they look and sound like, and who they target
Practical steps to help you prevent identity theft
How technology is used to protect you but also can be an advantage for the scammers
The steps to take if you become a victim of identity theft
And more

Reference:

LifeLock

Connect with Royal Standley:

Discussions in this show are for educational purposes only. Information presented should not be considered specific investment advice or a recommendation to take any particular course of action. Always consult with a financial professional regarding your personal situation before making financial decisions. The views and opinions expressed are based on current economic and market conditions and are subject to change. All investing involves risk, including the potential for loss of principal. Securities offered through United Planners Financial Services (UP), Member FINRA/SIPC. Advisory Services offered through Oregon Pacific Financial Advisors, Inc. (OPFA). OPFA & UP are independent companies. Neither OPFA nor UP offers tax or legal advice.

From Bankruptcy to Financial Success with Chris Bautista (Ep. 89)

By thelifebydesignpodcast | October 11, 2023

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Your financial advisors aren’t that much different from you. They deal with their own financial struggles and face their own problems when it comes to money. That personal experience can even help them advise clients better in the future.

In this episode, Royal Standley is joined by Chris Bautista, of Oregon Pacific Financial Advisors, who shares his background and experiences with financial struggles and bankruptcy. Chris shares his journey of owning a business and subsequently losing it during an economic downturn before finding his new path in life.

Chris discusses:

His professional background leading up to how he became a financial advisor
How his experience with bankruptcy shaped his interactions with clients
The importance of balancing personal life with financial advising
How different generations interact with money and why
Why he chose to become a financial advisor and become certified
And more

Connect with Royal Standley:

Connect with Chris Bautista:

About Chris Bautista:

Chris Bautista is a passionate and results-driven professional in the financial services industry with a deep understanding of the intricate world of finance. With extensive experience working with both individuals and businesses, he is committed to helping his clients achieve their financial goals and navigate the complexities of today’s economic landscape. Chris’ expertise lies in providing personalized financial advice, developing tailored strategies and implementing effective wealth management solutions. By leveraging his knowledge and staying abreast of the latest market trends, Chris strives to deliver comprehensive and innovative financial solutions that empower his clients to make informed decisions and secure their financial futures.

—

Empathy, Entrepreneurship, and Client-Centered Financial Planning with Jenny Hamiton (Ep. 86)

By thelifebydesignpodcast | August 30, 2023

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As a client, you want to know your financial planner will not only create a financial and retirement plan; you want them to care about how that plan can help you the best.

In this episode, Royal Standley is joined by Jenny Hamilton, a financial planner with Oregon Pacific Financial Advisors, in discussing her background and transition into the financial industry. Jenny dives into how she helps clients better understand their financial opportunities and connects with clients on a personal level to help them better.

Jenny shares:

Her work experience before becoming a financial planner
How empathy and organization play a role in her approach to financial planning
Why she focuses on clients in the manufacturing industry nearing retirement
Her involvement with the community and supporting financial literacy
And more

Connect with Royal Standley:

Connect with Jenny Hamilton:

About Jenny Hamilton:

Jenny Hamilton is a financial planner and compassionate advocate with a personal mission to see and value people. Jenny uplifts her clients, encourages their personal growth and stands beside them as they harness their strengths to achieve their goals. She wants to help others be confident in who they are and the decisions they make and to help their finances reflect what’s really important to them, now and in the future.

Jenny comes to Oregon Pacific Financial Advisors from an 18-year career at Columbia Forest Products where she held positions in HR, Accounting, Purchasing and Supervision. She loved working with employees and vendors in various capacities and wants to help them, and others like them, to be sure and ready in setting the date for retirement when the time comes.

–

Exploring The Impact of Boys Town: Advocacy for Juvenile Justice Reform with Aric Johnson (Ep. 84)

By thelifebydesignpodcast | August 2, 2023

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Boys Town has been working with kids and families since 1917, helping individuals involved in the court system to build towards a successful future with the ultimate goal being family reunification.

In this episode, Royal Standley turns the tables to interview his own podcast producer and host, Aric Johnson, President & CEO of AXIS Coaching and Consulting as well as a producer with Proudmouth. Aric shares his experiences working with Boys Town, an organization that provides opportunities for youngsters involved with the court system.

Aric talks about:

The importance of providing at-risk youth with education and extracurricular activities to increase their chances of success
How Boys Town creates an enriched environment for individuals and families
How he shares his financial knowledge with his family
Why teaching young individuals about financial well-being is important for their personal growth

Connect with Aric Johnson:

Connect with Royal Standley:

About Aric Johnson:

Aric Johnson is extremely passionate about helping others find success and fulfilment in all they do. He has been coaching and mentoring for over 20 years and finds his greatest fulfillment when helping others achieve more. Aric started his own coaching and consulting company in 2015, a second company focused on teaching BRI to advisors and joined ProudMouth as one of their podcast producers.

Who is Royal Standley and Who Does He Help? (Ep. 83)

By thelifebydesignpodcast | July 19, 2023

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When meeting with a financial advisor, you are focused on building a financial and retirement plan based on numbers. Who is the person you are working with beyond the numbers?

In this episode, financial advisor Royal Standley of Oregon Pacific Financial Advisors discusses his background, passion, and career in financial services. He specializes in retirement and business planning, emphasizing active engagement and hosting educational events on topics like cybersecurity along with his involvement in the community.

Royal discusses:

Who he focuses on helping develop their retirement plans
How he educates clients and potential clients outside of the financial information
What he likes about his home in Oregon and what he does outside of work hours
How his clients approach generational issues
And more

Connect with Royal Standley:

Resources:

The Problem with Hitting the Government Debt Ceiling (Ep. 80)

By thelifebydesignpodcast | May 25, 2023

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Most people don’t know that the government has hit the debt ceiling and the Treasury Department is struggling to balance the finances. What does this mean for the rest of America?

In this episode, Royal Standley explores what it means to hit the debt ceiling and why it is a big deal if there is no solution. He shares how hitting the debt ceiling impacts different levels of individuals, from government bodies to regular consumers, and how it impacts financial planning.

Royal focuses on:

What debt ceiling is and why was it created
Conservative versus Liberal viewpoints on the amount of debt owed by the government
What could be a resolution with two conflicting parties
What can listeners do with their own finances to guard against this type of scenario
And more

Connect with Royal Standley:

60. Where Have All The Social Security Funds Gone?

By thelifebydesignpodcast | September 29, 2021

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According to the latest report from the government, social security is still losing money. What does that mean for your retirement plan?

In this episode, Royal Standley dives back into social security as he reveals the latest update from the government. Royal discusses the current and future struggles with social security and how to prepare your retirement plan for the possibilities of the future.

Royal discusses:

The latest government report about social security
The role social security plays within your financial plan
Benefits of social security
Knowing what you have for your retirement plan
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.

59. The Future Of Low Returns

By thelifebydesignpodcast | August 25, 2021

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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!

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58. What Are My Income Options After Retirement?

By thelifebydesignpodcast | July 21, 2021

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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:

57. Prepare For Winter

By thelifebydesignpodcast | July 7, 2021

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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

Episode 56 – Financial Planning For You, Coaching For Your Kids – with James Monroe

By thelifebydesignpodcast | June 23, 2021

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With physical contact being restricted due to Covid, kids and adults alike have adjusted how they play sports.

In this episode, Royal Standley is joined by James Monroe, a financial advisor with Oregon Pacific Financial Advisors. James shares his ten years of experience coaching kids sports teams and how the lessons learned from coaching relate to facing the struggles of COVID-19 as a financial advisor.

You will learn:

How hard work creates results
The importance of teamwork
The similarities in changes between financial advising and coaching
And more!

Episode 55 – The Top Five Retirement Mistakes Business Owners Make

By thelifebydesignpodcast | June 9, 2021

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When you start your own business, how will the business affect your retirement planning?

In this episode, Royal Standley shares five of the biggest mistakes business owners make when planning their retirement.

You will learn:

The benefit of creating a retirement roadmap
The importance of keeping personal and business assets separate
Why you should hire outside support
And more!

Discover the five retirement mistakes you should avoid.

Resources:

Episode 54 – The Deflation of Economic Inflation

By thelifebydesignpodcast | May 26, 2021

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The forced isolation of COVID-19 has impacted the inflation rate today and in the future.

In this episode, Royal Standley dives into inflation, discussing how COVID-19 has impacted the economy. He reveals past examples of similar economic scenarios, how the future inflation rate may increase and the impact this could have on your retirement plan.

You will learn:

How COVID-19 impacted economic inflation
What the ideal inflation rate is
Some of the lasting financial impacts of quarantine on the government
How inflation could impact retirement planning
And more!

Discover how COVID-19 has impacted current and future inflation rate!

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

Episode 53 – How To Avoid 15 Common Financial Planning Mistakes

By thelifebydesignpodcast | May 12, 2021

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Sometimes, one small mistake can completely derail your financial plan and stop you from achieving your life goals.

In this episode, Royal Standley goes through a list of 15 common financial planning mistakes that he has encountered in working with clients over the years. Along with discussing the root causes of these mistakes, he also shares tips on how to avoid them, or even fix them if you’ve already committed the mistake.

You will learn:

Things that can go wrong while attempting to time the market in the short run
The importance of saving early and living well within your means
How to plan for the worst-case scenario as part of your risk management
Tips to overcome procrastination and take the crucial first step towards financial planning
And more!

Tune in now to learn how you can avoid the most common pitfalls while building your financial plan!

Resources: Oregon Pacific Financial Advisors | About Royal Standley | Schedule Online with Royal Standley | (541) 772-1116 | Email Royal Standley | Episode 6 – It’s Never Too Soon to Start Estate Planning | Episode 8 – How to Use Dave Ramsey’s Baby Steps | Episode 12 – Let’s Talk About Your Money and Your Taxes | Episode 16 – Your Top Life Insurance Questions Answered | Episode 27 – How Much Insurance Coverage Do You Actually Need? — With James Monroe | Episode 41 – Setting Your S M A R T Goals

Episode 52 – The Biggest Healthcare Development Drive in Southern Oregon – With Andrea Reeder

By thelifebydesignpodcast | April 28, 2021

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Built in the fifties, Asante has grown to be the largest healthcare provider in Southern Oregon despite operating as a nonprofit.

Now, it’s set to run the biggest fundraising campaign in the region – with a goal of $50 million!

In this episode, Royal Standley speaks with Andrea Reeder, development director at Asante Foundation, to uncover what this campaign is all about and how it’ll benefit the community. Andrea also discusses the new and improved healthcare services that Asante aims to provide through this campaign.

You will learn:

Healthcare areas experiencing a growing need based on population demographics
Asante’s efforts in developing a new cancer facility which aims to provide high quality care to patients.
Asante’s proactive response to Covid-19 and the Alameda fires
2021 plans for Oregon Wine Experience – Asante’s largest fundraiser of the year
And more!

Tune in now to learn how the team at Asante Foundation is striving to improve the quality of healthcare in the community!

Episode 51 – Want To Travel Post-COVID? Here’s Everything You Need To Know – With Shana Brewer

By thelifebydesignpodcast | April 14, 2021

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As the end of Covid-19 approaches with the rollout of vaccines, most people cannot wait to get away from their homes and enjoy a good vacation.

Now might be the ideal time to start planning for it.

In this episode, Royal Standley joins Shana Brewer, owner of Travel Leaders, and a highly experienced travel consultant. Shana discusses things you should consider while planning for your trip so that you can identify the perfect destination that fits your interests as well as your budget.

You will learn:

Reasons to hire a professional travel agent instead of cluelessly browsing the internet
Major Covid restrictions – for both domestic and international travel
Key travel arrangements to keep in mind so that you have an unhindered travel experience
Most popular travel destinations, some of which are on Shana’s bucket list too
And more!

Tune in now to learn how you can start planning for your long-awaited dream vacation!

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

By thelifebydesignpodcast | March 31, 2021

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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!

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

By thelifebydesignpodcast | March 18, 2021

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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!

Episode 48 – Getting More Things Done in Less Time

By thelifebydesignpodcast | March 3, 2021

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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!

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

By thelifebydesignpodcast | February 17, 2021

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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

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

By thelifebydesignpodcast | February 5, 2021

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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

Episode 45 – 3 Essential Things New Parents Must Plan For

By thelifebydesignpodcast | January 20, 2021

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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

Episode 44 – Financial Planning for 2021 and Beyond

By thelifebydesignpodcast | December 23, 2020

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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.

Episode 43 – Home Ownership in Your Retirement Plan

By thelifebydesignpodcast | December 9, 2020

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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

Episode 42 – What Planning Ahead Can Do For Your Dream Retirement

By thelifebydesignpodcast | November 25, 2020

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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.

Episode 41 – Setting Your S M A R T Goals

By thelifebydesignpodcast | November 11, 2020

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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

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

By thelifebydesignpodcast | October 28, 2020

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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

Episode 39 – The Coach To Your Financial Plan with James Monroe

By thelifebydesignpodcast | October 14, 2020

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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!

CRD#: 5882437

Episode 38 – After the Smoke Is Gone

By thelifebydesignpodcast | September 30, 2020

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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

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

By thelifebydesignpodcast | September 2, 2020

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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

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

By thelifebydesignpodcast | August 19, 2020

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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

By thelifebydesignpodcast | August 5, 2020

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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

Episode 34 – How to Retire During a Global Pandemic

By thelifebydesignpodcast | July 8, 2020

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A lot of people are planning to retire in 2020. Maybe you’re one of them.

In light of COVID-19, would it be better for you to semi-retire, postpone it completely, or go ahead and retire full time?

In this episode, Royal Standley helps you plan for your next move during this global pandemic. He walks you through retirement options and explains how to evaluate your financial situation so you can make a safe and informed retirement decision.

In this episode, you will learn:

What to consider if you’ve lost your job and you’re trying to decide whether to get a second job or retire
Why Royal recommends speaking to a financial advisor before you make a retirement decision
Overlooked, but essential, questions to ask when you’re interviewing advisors
What to discuss with your advisor if you’ve just entered retirement and then the pandemic hit
Two ways that the U.S. federal government will probably deal with its new debt
And more!

Tune in as Royal walks you through the process of retiring during a pandemic.

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

Episode 33 – Your Next Steps to Building a Retirement Plan for Your Business

By thelifebydesignpodcast | June 24, 2020

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If you’re ready to move from learning about 401(k) basics to seriously considering how you will structure your business’s retirement plan, this episode is for you.

In this episode, Royal Standley shares what business owners need to know when they’re evaluating a retirement plan for their business. Royal walks you through the roles that go into a 401(k), underlying investment options for employees, and what role a financial advisor should be playing in the process of structuring and implementing a plan.

In this episode, you will learn:

Who, within a company, is responsible for setting up a 401(k) and making all necessary decisions, including the hiring and firing of different parties to the plan
Which tasks are carried out by financial advisors
What investment options are available to plan participants
How to design a 401(k) that meets the needs of the participant and the business owner
And more!

Tune in now to learn the next steps to building a retirement plan that will benefit you and your employees.

Resources: Oregon Pacific Financial Advisors: (541) 772-1116 | Episode 32: How to Build an Efficient Retirement Plan

Episode 32: How to Build an Efficient Retirement Plan

By thelifebydesignpodcast | June 10, 2020

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Are you a business owner or a plan sponsor that’s looking to set up a retirement plan?

In this episode of Life By Design Podcast, Royal Standley dives deep into the different retirement plan options and shares the key features of each.

In this episode, you will learn:

The three types of 401(k)s and how they each work
The difference between a defined contribution and a defined benefit plan
The benefits of having a 401(k) with a profit-sharing option
Why IRAs are an incentive for younger people
And more!

Tune in to hear the considerations you should make when choosing a retirement plan.

Episode 31 – Answering Prospective Clients’ Frequently Asked Questions

By thelifebydesignpodcast | May 27, 2020

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Are you curious about financial advisors and how they can help you? Do you know how to tell if you need one — and how to find the right one?

These are just a few questions that Royal Standley receives on a regular basis by new and prospective clients alike. Today, Royal is sitting down to answer some of these frequently asked questions, all the while highlighting the importance of working with an expert.

In this episode, you will learn:

The benefits of working alongside a financial professional
The difference between a financial advisor and asset manager — and how to find the right one
What being a fiduciary means
About conflict of interest in the financial services industry
And more!

Tune in now to hear the answers to your burning questions — and to learn what considerations you should keep in mind when seeking a financial planner and advisor!

Resources: Oregon Pacific Financial Advisors | The Life by Design Podcast | Royal Standley

Episode 30 – How to Start Planning for Financial Recovery

By thelifebydesignpodcast | May 13, 2020

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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

Episode 29 – What Should an Investor Avoid When Markets Are Facing a Downfall?

By thelifebydesignpodcast | April 29, 2020

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How has your financial plan been affected by the recent downturn in the market?

In this episode of The Life by Design Podcast, Royal Standley suggests how to plan and prepare for times when the market is experiencing decline.

In this episode, you will learn:

Various potential reasons for an economic decline
How to separate emotions and finances
What capitulation is and why you should selling when the market is low
The impact of time in financial portfolios
And more!

Tune in today to hear how to be prepared for the unexpected.

Resources: Oregon Pacific Financial Advisors

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

By thelifebydesignpodcast | April 15, 2020

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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

SPECIAL UPDATE: COVID-19

By thelifebydesignpodcast | March 26, 2020

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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.

Episode 27 – How Much Insurance Coverage Do You Actually Need? — With James Monroe

By thelifebydesignpodcast | March 25, 2020

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Do you have the right type of insurance plan and amount of coverage for your family’s needs?

In this episode, Royal Standley and James Monroe of Oregon Pacific Financial Advisors walk you through different life insurance policies. This down-to-earth conversation is all about helping you figure out which policy will give you the coverage you need to maintain you and your family’s lifestyle.

In this episode, you will learn:

How James uses a DIME method as a starting point to calculate life insurance needs
When the ideal time is to have term insurance
The five main types of permanent policies
Examples of how life insurance has changed people’s lives for the better
And more!

Tune in to learn how Royal and James can contribute to enhancing your current health insurance.

Resources:

Oregon Pacific Financial Advisors, Inc.

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

By thelifebydesignpodcast | March 16, 2020

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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.

Episode 25 – Solving Your Retirement Puzzle – Part 2

By thelifebydesignpodcast | March 3, 2020

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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.

Episode 24 – Solving Your Retirement Puzzle – Part 1

By thelifebydesignpodcast | February 12, 2020

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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.

Episode 23 – What The SECURE Act Means for You

By thelifebydesignpodcast | January 30, 2020

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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.

Episode 22 – How to Write Your Legacy Letter

By thelifebydesignpodcast | January 8, 2020

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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.

Episode 21 – Transitioning into Retirement

By thelifebydesignpodcast | July 10, 2019

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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.

Episode 20 – How to Plan for Retirement Later in Life

By thelifebydesignpodcast | June 26, 2019

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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.

Episode 19 – Tips for the Recent College Grad

By thelifebydesignpodcast | June 12, 2019

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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.

Episode 18 – Meet the Oregon Pacific family — Introducing Ron Naumann

By thelifebydesignpodcast | May 29, 2019

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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.

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

By thelifebydesignpodcast | May 15, 2019

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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.

Episode 16 – Your Top Life Insurance Questions Answered

By thelifebydesignpodcast | May 1, 2019

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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.

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

By thelifebydesignpodcast | March 6, 2019

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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.