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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

10:11

Episode 263 - Tax Status Of Retirement Accounts

Beer & Money ·

2024/08/19

In this episode, Ryan Burklo discusses the tax status of retirement accounts and the importance of considering taxes when planning for retirement. He explains the different tax statuses of assets, including fully taxable, partially taxable, and non-taxable. Ryan emphasizes the preference for having a majority of assets in the non-taxable category. He explores strategies for shifting assets from taxable to non-taxable, such as asset shifting and cashflow shifting. Ryan also highlights the need to

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11:27

Episode 262 - 15 Minutes To Save You Millions Instead...

Beer & Money ·

2024/08/12

In this episode, Ryan Burklo discusses the importance of protection in the form of property and casualty insurance. He highlights how these insurance policies often overlook the individual's net worth and income. Ryan explains the significance of umbrella insurance policies that provide additional liability coverage beyond the standard auto and home insurance policies. He also emphasizes the need to consider high-value items and schedule them on the home insurance policy. Lastly, Ryan suggests

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26:58

Episode 261 - The Impact of Inadequate Life Insurance

Beer & Money ·

2024/08/05

In this episode, Ryan Burklo and Alex Collins discuss the importance of life insurance and how it can protect your family's financial future. They emphasize the need to consider how much life insurance to get based on the number of years of income you want to replace. The hosts use a hypothetical scenario to demonstrate the impact of life insurance on a couple's financial situation. They show that without adequate life insurance coverage, the surviving spouse may face a significant reduction in

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21:38

Episode 260 - Tax Strategies In Retirement

Beer & Money ·

2024/07/29

In this episode, Ryan Burklo discusses distribution tax strategies for retirement planning. He compares two different approaches: an interest-only approach and an amortization/spend-down strategy. He explains the tax implications of each strategy and demonstrates how the spend-down strategy can result in higher net after-tax income. Burklo emphasizes the importance of understanding tax strategies and the location of your money in order to make informed decisions about retirement planning. Takeaways

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14:09

Episode 259 - The Impact of Distribution Tax Status...

Beer & Money ·

2024/07/22

In this episode, Ryan Burklo discusses the distribution of tax status as a factor that impacts financial success. He emphasizes the importance of understanding how your assets will be taxed when you retire and how that affects the net income you receive. He explains the concept using a sample client's financial balance sheet and discusses the different types of taxable and tax-free income. The goal is to have a balanced pie chart with a mix of partially taxable, fully taxable, and non-taxable

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31:12

Episode 258 - The Location And Liquidity Of Your...

Beer & Money ·

2024/07/15

In this episode, Ryan Burklo and Alex Collins discuss the factors that impact financial success, focusing on the location and liquidity of wealth. They explain that most people have two buckets of money: savings and retirement accounts. However, they emphasize the importance of having a midterm bucket, which provides liquidity and flexibility for life events and goals. They discuss the characteristics of each bucket and the need for balance and tax efficiency. They also introduce the concept of true

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19:04

Episode 257 - The Impact of the Amount of Wealth on...

Beer & Money ·

2024/07/08

In this episode, Ryan Burklo and Alex Collins discuss the five factors that impact financial success. They focus on the first factor, which is the amount of wealth. While many people believe that the size of their assets is the most important factor, the hosts argue that it is actually one of the smallest factors when it comes to the efficiency of assets. They provide an example to illustrate this point, showing that the rate of return and distribution method have a greater impact on income in

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20:07

Episode 256 - Would More Cash On Hand Get You More...

Beer & Money ·

2024/07/01

In this episode, Ryan Burklo and Alex Collins discuss risk and volatility in investment portfolios. They emphasize the importance of investing for future income and the need to get the allocation and risk profile right. They explore the concept of volatility and how it relates to the movement of money in investment accounts. They also discuss the traditional two-legged stool model of investing in stocks and bonds, and the need to bring back a three-legged stool model that includes cash. They

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16:20

Episode 255 - What Is The Real Rate Of Return You Are...

Beer & Money ·

2024/06/24

In this episode, Ryan Burklo and Alex Collins discuss the concept of net rate of return and its impact on investment portfolios. They explore the real rate of return, inflation, asset allocation, and the importance of balance sheet allocation. The conversation delves into the significance of understanding and combating inflation to achieve long-term financial goals. If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net Takeaways

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19:20

Episode 254 - 4 Unique Ways To Fund Your Child's...

Beer & Money ·

2024/06/17

In this conversation, Alex Collins discusses different strategies for funding a child's education. He explores the limitations of 529 plans and suggests alternative methods such as using real estate investments, cash value from life insurance policies, and Roth IRAs. The goal is to provide flexibility and options for funding education while also teaching children important life skills. It is important to work with professionals and consider various factors such as cash flow, liquidity, and taxes. If

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20:31

Episode 253 - How Will You Be Taxed in Retirement?

Beer & Money ·

2024/06/10

In this episode, Ryan Burklo and Alex Collins discuss the concept of net rate of return and its impact on investment portfolios. They explore the real rate of return, inflation, asset allocation, and the importance of balance sheet allocation. The conversation delves into the significance of understanding and combating inflation to achieve long-term financial goals. Takeaways Understanding the real rate of return is crucial for evaluating the true performance of an investment portfolio. Inflation

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11:05

Episode 252 - How Do Taxes Work?

Beer & Money ·

2024/06/03

In this episode, Ryan Burklo discusses tax brackets and how they work. He explains the difference between marginal and effective tax rates and emphasizes the importance of understanding how taxes work when deciding where to put your money. Burklo provides an example of tax brackets for a married filing jointly tax code and calculates the total tax amount due. He also discusses the implications of different types of accounts, such as qualified accounts and Roth accounts, on taxes. Burklo concludes by

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10:35

Episode 251 - The Importance of True Liquidity in...

Beer & Money ·

2024/05/27

In this episode, Ryan Burklo discusses the importance of true liquidity in retirement. He explains that while pre-retirement, short-term volatility can be addressed due to a longer time horizon, withdrawals from market-based assets in retirement can compound the effect of market losses and increase the risk of running out of money. Burklo provides an example to illustrate this concern. He suggests setting up a true liquidity fund alongside retirement accounts to have access to funds that are not

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17:41

Episode 250 - What Is Your Net After Tax Return?

Beer & Money ·

2024/05/20

In this episode, Ryan Burklo and Alex Collins discuss the taxation component of net after-tax rate of return. They emphasize the importance of understanding the impact of taxes on investment returns over a long period of time. They use a visual representation to show the difference between gross and net growth of an investment portfolio after taxes. They highlight the significant impact that taxes can have on the final value of assets and the importance of considering taxation when making investment

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44:07

Episode 249 - Intentional Fatherhood with Tyler Graham

Beer & Money ·

2024/05/13

Tyler Graham, a coach for dads with young kids, shares his journey and insights on intentional fatherhood. He started posting on LinkedIn about leadership and non-anxious presence, but found that his posts about fatherhood generated more engagement. Tyler emphasizes the importance of creating a space for dads to talk about the challenges and struggles of fatherhood, as many dads feel alone in navigating these issues. He helps dads prioritize their time and energy by aligning their actions with their

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29:36

Episode 248 - The Importance of Efficient Choices for...

Beer & Money ·

2024/05/06

In this episode, Ryan Burklo and Alex Collins discuss the challenge of turning variable assets into a consistent income stream in retirement. They emphasize the importance of making efficient choices today to set oneself up for flexibility in the future. They explore the concept of promised-based assets, such as Social Security and pensions, which provide a steady income stream, and compare them to market-based assets, like stocks and bonds, which can be more volatile. They also discuss the risks of

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23:04

Episode 247 - The Importance Of Expanding Financial...

Beer & Money ·

2024/04/29

In this episode, Ryan Burklo and Alex Collins discuss the importance of expanding financial knowledge beyond personal experiences. They highlight the influence of personal experiences on financial decision-making and the need to seek advice from professionals with broader expertise. The conversation emphasizes the significance of continuous learning and staying curious to challenge and update existing beliefs. They also stress the importance of looking at the entire financial picture and avoiding

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24:54

Episode 246 - 5 Wealth Objectives That Everyone Wants

Beer & Money ·

2024/04/22

In this episode, Ryan and Alex discuss five wealth objectives that everyone has but are often not properly planned for. These objectives include creating the highest possible cashflow, creating the lowest possible tax, never running out of money, meeting legacy objectives, and minimizing risk. They emphasize the importance of planning for these objectives in a comprehensive and efficient manner, rather than solely focusing on a target net worth or rate of return. The hosts also highlight the

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14:46

Episode 245 - The Single Biggest Factor To Financial...

Beer & Money ·

2024/04/15

In this episode, Ryan Burklo discusses the single biggest factor that contributes to financial success: managing cashflow. He highlights the flawed cashflow management system that most people have, where income increases are often accompanied by lifestyle inflation. Using a 30-year time horizon and a 5% average income increase, Ryan demonstrates how a 1% difference in lifestyle inflation can significantly impact wealth accumulation. By managing cashflow and keeping lifestyle inflation in check,

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10:51

Episode 244 - Which Asset Class Is The Best?

Beer & Money ·

2024/04/08

In this episode, Ryan Burklo discusses investment portfolios and the importance of diversification and asset classes. He introduces a tool for analyzing the performance of different asset classes over a 50-year period. Burklo highlights the potential growth of portfolios invested in asset classes such as US small value stocks. He emphasizes the challenge of predicting which asset class will perform the best in any given year and the need for a diversified portfolio. Burklo encourages listeners to

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326 results

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