Tag: Retirement Plan

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Will Your Estate Plan Survive a Stress Test? (Ep. 81)

Will Your Estate Plan Survive a Stress Test? (Ep. 81)

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Creating a financial or estate plan is never a one-and-done endeavor. How can advisors help identify the potential problems in a plan and correct the problem before it happens to the client?

In this episode, Royal Standley focuses on stress testing financial and estate plans to ensure the clients have saved enough for the lifestyle they are accustomed to. Royal shares how he helps clients identify their needs and discover possible problems before they happen.

Royal discusses:

  • The basics of estate planning documents and their importance
  • What he looks for when identifying a clients estate and updating financial plans
  • Why stress testing financial and estate plans is essential in identifying financial gaps
  • What questions do advisors ask to adapt the financial plans for their client’s goals
  • And more!

Connect with Royal Standley:

Resources:

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.

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60. Where Have All The Social Security Funds Gone?

60. Where Have All The Social Security Funds Gone?

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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.

 

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

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

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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

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 32: How to Build an Efficient Retirement Plan

Episode 32: How to Build an Efficient Retirement Plan

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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.

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.