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PODCAST

Beer & Money

Ryan Burklo & Alex Collins

Welcome to Beer and Money, a financial fireside chat for business professionals. We work to simplify your finances so that you can enjoy your life. Your hosts, Ryan Burklo and Alex Collins are financial advisors based out of Seattle, Washington. This material is intended for general public use. By providing this material, we are not undertaking to provide investment advice for any specific individual or situation, or to otherwise act in a fiduciary capacity. Please contact one of our financial

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All Episodes

11:09

Episode 283 - Let's Talk about Taxes Pt 1

Beer & Money ·

2025/01/13

In this episode of Beer and Money, Ryan Burklo discusses the intricacies of the tax system, focusing on the differences between marginal and effective tax rates, how bonuses are taxed, and the implications of choosing between traditional and Roth retirement accounts. He emphasizes the importance of understanding these concepts for effective tax planning and long-term financial strategy. Check out our website: beerandmoney.net For a quick assessment of your current financial life go to:

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19:19

Episode 282 - Understanding Recovery Rates in Investing

Beer & Money ·

2025/01/06

In this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the often misunderstood concept of recovery rates in investing, particularly after market downturns. They explore the mathematical realities of recovering from losses, the importance of strategic retirement planning, and the need for a balanced approach to investing that includes both market and non-market assets. The conversation aims to debunk common myths about rate of return and emphasizes the significance of cash flow in

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37:37

Episode 281 - Traversing The Estate Planning Maze...

Beer & Money ·

2024/12/30

In this episode of Beer and Money, Ryan Burklo, Alex Collins, and estate planning expert Rob Bukacek discuss the intricacies of estate planning. They cover the importance of having a trust, the process of finding the right attorney, and how to prepare for meetings with legal professionals. The conversation emphasizes the need for proper documentation, the significance of choosing beneficiaries wisely, and the necessity of reviewing estate plans regularly. Listeners are encouraged to take proactive

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12:24

Episode 280 - Understanding Obligations & Goals

Beer & Money ·

2024/12/23

In this episode of Beer and Money, Ryan Burklo discusses the concept of obligations that individuals actually want to have in their lives. He emphasizes the importance of understanding personal goals beyond traditional financial aspirations, such as retirement and education for children. Ryan encourages listeners to reflect on their current obligations and how they align with their desired lifestyle, particularly in relation to family time and personal health. He shares personal anecdotes about his

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09:49

Episode 279 - Inheritance vs Investment

Beer & Money ·

2024/12/16

In this episode of Beer and Money, Ryan Burklo discusses the critical distinction between inheritance and investment, drawing from a transformative conversation with a mentor. He emphasizes the importance of investing in children today rather than solely focusing on leaving an inheritance. The discussion highlights how experiences and values can shape financial education and generational wealth, ultimately leading to a more meaningful legacy. Check out our website: beerandmoney.net For a quick

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29:22

Episode 278 - The Five Biggest Factors of Retirement...

Beer & Money ·

2024/12/09

In this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the five biggest factors of retirement planning, emphasizing the importance of income streams, asset location, liquidity, tax distribution status, and tax strategy. They challenge the conventional focus on accumulating a large nest egg and encourage listeners to consider how their savings will translate into cash flow during retirement. The conversation highlights the need for a comprehensive approach to retirement planning that

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18:27

Episode 277- Navigating Investment Strategies After...

Beer & Money ·

2024/12/02

In this episode of Bearing Money, Ryan Burklo and Alex Collins discuss the implications of recent election results on investment strategies. They emphasize the importance of maintaining a long-term perspective in investing, regardless of political changes. The conversation highlights the emotional aspects of investing and how fear and greed can lead to poor financial decisions. They also analyze market trends and historical data to illustrate that external factors, rather than political leadership,

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12:10

Episode 276 - Let's Chat about Self-Insurance

Beer & Money ·

2024/11/25

In this episode of Beer and Money, Ryan Burklo discusses the concept of self-insurance, exploring its relevance and practicality in various scenarios. He provides examples of when self-insurance may be beneficial, such as in auto insurance and liability coverage, while also emphasizing the importance of protecting significant financial risks. The conversation highlights the balance between saving money and ensuring financial security, ultimately guiding listeners to make informed decisions about

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17:26

Episode 275 - The Power of a Wealth Building Account

Beer & Money ·

2024/11/18

In this episode of Beer and Money, Ryan Burklo discusses the importance of a cashflow management system, emphasizing the need for individuals to understand the purpose of their money and how to manage it effectively. He introduces the concept of a Wealth Building Account (WBA) to help listeners capture savings automatically and make informed decisions about their spending. The conversation highlights the impact of income growth on savings and encourages listeners to rethink their financial

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36:24

Episode 274 - Top 3 Mistakes of Estate Plans with Rob...

Beer & Money ·

2024/11/11

In this episode of Beer and Money, Ryan Burklo and estate planning expert Rob Bukacek discuss the critical importance of estate planning, sharing personal experiences that led them to focus on this often-overlooked area of financial planning. They delve into the complexities of probate, the differences between wills and trusts, and the strategic considerations necessary for effective estate planning. The conversation highlights common mistakes individuals make in their estate plans and emphasizes

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21:27

Episode 273 - Debunking Tax Deferral Myths

Beer & Money ·

2024/11/04

In this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the myths surrounding tax deferral, particularly the common belief that individuals will be in a lower tax bracket during retirement. They explore the implications of income growth over a career, the importance of tax planning, and strategies for managing tax efficiency in retirement. The conversation emphasizes the need for a balanced approach to retirement planning, considering both taxable and tax-free income sources

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10:09

Episode 272 - Presidential Elections and the Stock...

Beer & Money ·

2024/10/28

In this episode of Beer and Money, Ryan discusses the impact of presidential elections on the stock market. He explores the presidential election theory, which suggests that U.S. stock markets perform weaker in the first two years of a presidential term and peak in the third year. Ryan emphasizes the importance of looking at the bigger picture and long-term investment strategies, rather than focusing on short-term market fluctuations. He also highlights the significance of diversification, having a

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38:08

Episode 271 - How To Mitigate Investment Risks

Beer & Money ·

2024/10/21

In this episode of Beer and Money, hosts Ryan Burklo and Alex Collins welcome Joe Hegener, founder and CIO of Astrazola Management, to discuss the current economic landscape, particularly focusing on falling interest rates and their implications. Joe shares his extensive background in finance, including his experiences at BlackRock and PIMCO, and provides insights into the effects of zero interest rates, inflation dynamics, and the potential risks facing the market. The conversation also delves into

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19:08

Episode 270 - The Hidden Cost of Inheritance

Beer & Money ·

2024/10/14

In this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the critical topic of estate planning for parents. They explore the various challenges that arise when parents do not have proper estate planning documents in place, including tax implications, health concerns, and potential family conflicts. The hosts emphasize the importance of proactive planning and open communication between parents and their children regarding financial matters and estate planning. They also highlight the

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18:01

Episode 269 - Building Wealth Strategies for Success

Beer & Money ·

2024/10/07

In this episode, Ryan Burklo discusses the concept of risk tolerance in investing, emphasizing the importance of understanding both market risks and personal financial situations. He highlights the need for a balanced approach to investments, including the role of liquidity in a balance sheet, and how these factors play a crucial role in retirement planning. The conversation also touches on the psychological aspects of investing, such as recency bias, and the necessity of having a comprehensive view

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11:40

Episode 268 - Implications Of The Recent Federal...

Beer & Money ·

2024/09/30

In this episode of Beer and Money, Ryan Burklo discusses the implications of the recent Fed rate cut on personal finance. He explains how the cut affects borrowing costs and savings rates, emphasizing the importance of a long-term financial strategy. Ryan introduces the concept of having three distinct financial buckets to manage money effectively, ensuring flexibility and resilience against fluctuating interest rates. The conversation highlights the need for a balanced approach to financial

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19:36

Episode 267 - Planning With Cashflow In Mind

Beer & Money ·

2024/09/16

In this episode, Ryan Burklo and Alex Collins discuss the importance of planning with cashflow in mind. They highlight the common focus on accumulating assets and net worth, rather than considering the income generated by those assets. They emphasize the need to think with the end in mind and prioritize cashflow, taxes, and asset distribution. The conversation explores the different tax categories (fully taxable, partially taxable, and non-taxable) and the importance of having flexibility in asset

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27:57

Episode 266 - Is Volatility A Friend Or Foe?

Beer & Money ·

2024/09/09

In this episode, Ryan Burklo and Alex Collins discuss the topic of volatility and whether it is a friend or a foe. They explore how volatility can be beneficial during the accumulation phase, as it allows for higher rates of return. However, as retirement approaches and withdrawals are made from the portfolio, volatility can become a risk. They also emphasize the importance of diversification and having a balanced portfolio across different asset classes. The hosts use examples and a sequence of

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12:12

Episode 265 - Top 5 Reasons People Struggle Financially

Beer & Money ·

2024/09/03

In this episode, Ryan Burklo discusses the top reasons why people struggle financially. He emphasizes that these reasons are not meant to point fingers or judge, but rather to provide insights and reminders about making intentional financial decisions. The five main reasons discussed are: low income, spending too much on housing or rent, spending too much on a car, spending too much on debt, and taking extravagant vacations. The key takeaway is to align spending with personal values and live within

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18:42

Episode 264 - What Is A Trust?

Beer & Money ·

2024/08/26

In this episode, Ryan Burklo and Alex Collins discuss the topic of trusts, specifically revocable and irrevocable trusts. They explain that a trust is like a folder where you can put assets that are owned by the trust rather than by you. They discuss the roles of the grantor, trustee, and beneficiary in a trust and the benefits of a revocable trust, such as probate avoidance and flexibility. They also explain the benefits of an irrevocable trust, including tax advantages and creditor protection

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326 results

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