Thinking about investing in real estate but unsure how to determine if a property is a good deal? In this episode, we break down how to evaluate rental properties, calculate cash flow and ROI, and compare real estate to other investments like stocks and bonds. Whether you're a new investor or a seasoned landlord, understanding real estate valuation is crucial for maximizing profits and building long-term wealth.
Join Rick Luchini and Austin Preece, a financial planner specializing in real estate investing and retirement planning, as they discuss: ✅ How to calculate cash flow and why it’s key to real estate investing success ✅ The four ways real estate generates returns (cash flow, appreciation, loan paydown, and tax benefits) ✅ How to analyze rental properties before you buy ✅ Real estate vs. stock market investing – which is better for retirement? ✅ Should you sell, hold, or refinance your properties?
If you're planning for financial freedom, looking to grow passive income, or need a strategy for real estate investing in retirement, this video is for you!
🔔 Subscribe for more personal finance, real estate, and retirement investing tips! 💬 Comment below: What’s your biggest question about real estate investing?

Thinking about investing in real estate for retirement but unsure if it’s the right move? In this episode, we dive into the pros and cons of real estate investing, how it compares to stocks, and how your investment strategy should change before and after retirement.
Join Rick Luciani and Austin Preece, a financial planner specializing in real estate investors and business owners, as they break down:
✅ How to build wealth with real estate through appreciation and cash flow✅ The biggest tax benefits of owning rental properties (depreciation, 1031 exchanges, deductions)✅ Why real estate is NOT passive income and how to manage properties effectively✅ Real estate vs. stock market investing – which is better for long-term financial security?✅ How to analyze real estate deals and avoid bad investments✅ The best investment strategies for retirees looking for stable income
If you're planning for financial freedom, want to diversify your portfolio, or need a retirement investing strategy, this video is for you!
🔔 Subscribe for more personal finance, retirement planning, and investing tips!💬 Drop a comment below: Do you invest in real estate or stocks?
#RealEstateInvesting #RetirementPlanning #PassiveIncome #FinancialFreedom #RealEstateVsStocks #PersonalFinance #WealthBuilding #InvestingForBeginners #CashFlow #1031Exchange

In this episode we dive into the top questions and concerns pre-retirees have before taking the big leap into retirement. Whether you're approaching retirement or helping a loved one plan, this discussion is packed with actionable insights and strategies.
✅ Topics Covered:
The #1 pre-retirement worry: Health insurance options before Medicare and how to lower premiums using tax subsidies.
How to turn your 401(k) and savings into sustainable retirement income.
Strategic planning to optimize Social Security—when to take it and how to maximize its value for your lifestyle.
Tax planning in retirement—avoiding surprises and leveraging techniques like Roth conversions and tax gain harvesting.
Why cash flow planning is essential and how it boosts confidence in your retirement decision.
Our candid conversation includes tips for making the most of your early "go-go" retirement years and balancing spending with long-term financial security. Whether you're worried about taxes, income, or health care, we’ve got you covered.
🎧 Don’t miss this episode! Like, comment, and subscribe for more content about personal finance, retirement strategies, and financial independence.
#RetirementPlanning #PersonalFinance #HealthInsurance #SocialSecurity #FinancialFreedom #RetirementIncome #TaxPlanning #advisedpodcast 

In this episode of #advisedpodcast we dive deep into essential retirement planning tips to help pre-retirees avoid costly mistakes. Learn about the importance of **estate planning**, why every family needs a **will** or a **trust**, and how to fix common gaps like outdated documents and incorrect beneficiaries.  
Key Take Aways:  ✔️ Why 60-70% of families don't have an estate plan—and why YOU should.  ✔️ The difference between a **will** and a **trust**, and how a trust can help you skip probate.  ✔️ Easy fixes for mismatched or missing **beneficiaries** on 401(k)s, life insurance policies, and savings accounts.  ✔️ How to keep your estate plan updated as life changes.  
This guide is packed with actionable advice to secure your family's future, reduce stress, and ensure your wishes are honored. Whether you're preparing for retirement or already retired, these tips are crucial!  

Today Hamilton and I discuss the ways investing during your retirement should be different, and the many ways it may be similar to how your invested now.  We go over the big mistakes we see people make in this area, and bust some of the old schools of thought around this topic that you might still be subscribing to. 

Listen as Hamilton and I discuss real client scenarios that result in changes to their plans and how we handled them.  Life WILL throw you curve balls.  The only question is, do you know how to hit them. 

The challenges of owning individual stocks, and how we invest for our clients. Whether you're a DIY investor, or a client of a traditional firm, this episode is a MUST listen.  

Today's discussion covers the factors to consider before taking your social security.  Listen to how we help clients choose the right age to claim social security benefits. 
 
Subscribe on YouTube: https://www.youtube.com/channel/UCbXaSLydoMX7P_kDc5tYmyQ
Check out more from Hamilton: https://brandenburgfs.com/
 
 

Thinking of retiring before 65? Don't Miss This One! Today I shed light on Health Insurance in retirement with the help of insurance expert Jocelyn Wolf.  We cover how to get affordable coverage before 65, and some pitfalls to avoid now, and after switching to Medicare.   Although we mention our local state's exchange, most of these same techniques and concepts will apply to you anywhere in the US. 
TIME STAMPS: 00:00 Intro03:20 Health Insurance Before 6505:13 Premiums based on income10:31 Health Insurance through Pennie13:45 Managing Income and Taxes for Health Insurance21:22 IRMAA and  Medicare Premiums26:34 Medicare Advantage vs Supplement29:19 Utilizing Affordable Health Insurance Options
Meet Jocelyn:   https://www.evolveinsurancegrp.com/
Born and raised in central Pennsylvania, Jocelyn attended Bishop Guilfoyle High School in Altoona, PA.  Jocelyn is a 2013 graduate from Duquesne University in Pittsburgh, PA with a Bachelor’s Degree in Business Administration focused on marketing and sales. Jocelyn believes that trust is the foundation for a successful client relationship and is committed to acting as an advocate for individuals when navigating their various healthcare choices. Jocelyn is a licensed health and life insurance agent in Pennsylvania & Maryland specializing in Medicare.  Jocelyn is also AHIP (America’s Health Insurance Plans) certified. Jocelyn is committed to serving the communities where she resides by volunteering with organizations such as serving on the board for the Arc of Blair County and Gloria Gates Memorial Foundation.  Jocelyn is a 2020 graduate of the Leadership Blair County Program.PA Life & Health Producer #893265
Who We Are:The Advised Podcast is tailor-made for working professionals who are determined to make astute financial choices before they approach retirement age. We believe that everyone deserves the chance to optimize their financial decisions, regardless of their career or background. Our aim is to empower you with actionable advice that bridges the gap between your aspirations and your fiscal reality.
Unlocking Financial Insights:Join us as we sit down with industry experts who shed light on the intricacies of finance and unveil common misconceptions. Our engaging interviews provide you with practical takeaways that can transform your financial outlook. We're here to guide you through the labyrinth of financial choices, so you can confidently make decisions that resonate with your goals.
Why We Stand Out:At The Advised Podcast, we're redefining the norms of financial guidance. Host Rick Luchini, a seasoned financial advisor, challenges the status quo by offering expert insights without the hefty price tag. We understand that the financial advisory landscape often overlooks the needs of the working class. Our mission is to bridge that gap by providing you with the knowledge and tools you need to make informed financial decisions.
Educational, Energetic, and Empowering:Expect an engaging blend of education and energy in every episode. Our conversational approach makes complex financial concepts accessible, while our positive and direct style ensures you walk away with clarity and purpose. Tune in during your daily commute – our episodes are designed to fit seamlessly into your busy schedule.
Your Guide to Financial Confidence:Host Rick Luchini is your companion on this journey to financial empowerment. Alongside industry experts, he's here to empower you with the knowledge and resources you need to navigate your financial journey successfully. With a new episode dropping every week, you'll have a consistent stream of insights to guide your financial decisions.
The Message:At The Advised Podcast, we firmly believe that sound financial advice isn't a luxury reserved for those with massive investment portfolios. It's a universal right that impacts your family's well-being, your aspirations, and your peace of mind. Join us in unlocking the secrets of finance and take charge of your financial future – one episode at a time.Get ready to transform your financial perspective. Subscribe to The Advised Podcast and embark on your journey to financial empowerment today. Your prosperous future starts here.(Episodes release weekly, are under an hour long, and are perfect for your daily commute.)

Today is an important discussion around mindset for any stage of your financial journey. Listen as we discuss finding balance between saving and living, and defining success on your own terms.  Enjoy!
My guest, Brandon Lovingier, ChFC®, MQFP® aka The Enlisted Money Guy™, has served over 18 years in the Army – including deployments to Iraq and Afghanistan. He established Enlisted Money to help enlisted service members avoid the same mistakes he made and achieve financial freedom. He’s spoken at MilMoneyCon and loves mentoring other service members.
www.enlistedmoney.com