PODCAST

Protect & Grow

Tim Stearns

Trust, Respect, Results

business investing

All Episodes

27:01

How to Secure Your Financial Future and Protect Your...

Protect & Grow ·

2024/05/11

Are you ready to secure your financial future and protect your loved ones? Join Tim Stearns, Chicagoland’s Certified Financial Planning professional, as he provides essential insights on navigating the complexities of retirement and financial planning. This video is your gateway to understanding how proactive planning can enhance your financial stability and ensure your family's well-being. In this enlightening discussion, Tim dives into the unique challenges faced by the 'sandwich generation'—those

27:01

Making The Most Of Your 401K

Protect & Grow ·

2024/05/04

Unlock the secrets to maximizing your retirement savings with our comprehensive guide to your 401(k)! Discover why employer-sponsored plans like the 401(k) are vital tools for securing your financial future. From the convenience of automatic contributions to the allure of employer matches, we explore every aspect of your retirement plan. Learn how to navigate tax-deferral options, seize control of your investments with in-service distributions, and avoid common pitfalls like leaving old 401(k)s

27:01

Maximize Retirement Income

Protect & Grow ·

2024/04/27

📊 Join Tim Stearns, CFP® from TjStearns for insightful discussions on optimizing income during retirement. From investment insights to budgeting basics, we're here to guide you. Subscribe now for valuable strategies to secure your financial future. 💼 For more information contact Tim Stearns, CFP® at (800) 640-2256 and visit our website at www.tjstearns.com/.#retirementplanning #financialstability

27:01

Financial Spring Cleaning

Protect & Grow ·

2024/04/20

Ready to give your finances a fresh start this spring? ☀️💰 Join Tim Stearns, CFP® as he shares quick and practical tips to declutter your budget, cut unnecessary expenses, and set the stage for financial success. Let's sweep away debt, tidy up savings goals, and embrace a brighter financial future together! Don't forget to subscribe for more Protect and Grow content! For more information, contact Tim Stearns, CFP®, at (800) 868-1194 or visit our website at https://www.tjstearns.com/

27:01

Minimize Your Retirement Tax Bill

Protect & Grow ·

2024/04/13

Taxes are a pain. They are a thorn in our side. Paying taxes does mean that you made money (maybe - phantom gains in Mutual Funds??), so it has been called a “good problem to have”, but it is still a problem. However, NOT planning ahead for taxes and NOT understanding fully how taxes work in retirement, can make that pain much more significant. At TjStearns, we help savers and investors better determine their outcomes and make your goals turn into your reality. Specifically, if you would like to

27:01

The Difference In Income & Spending

Protect & Grow ·

2024/04/06

Join Tim Stearns, CFP®, as he discusses the two keywords that define finance: spending and income. Tim defines how income can sustain you before retirement, is your biggest wealth-building tool, and is essential to plan out once in retirement. He also discusses the importance of managing spending, whether during retirement or before, emphasizing the difference between living within your means and overspending. Tune in and enjoy another insightful episode of 'Protect and Grow' with Tim Stearns, CFP®,

54:01

Controlling Taxes In Retirement

Protect & Grow ·

2024/03/30

Unveil Tax Season and Saving Strategies with Tim Stearns, CFP®! 🎙️ Join Tim Stearns, CFP®, Owner of TjStearns, as he dives into essential tax planning insights in this episode of Protect & Grow. 💼 Host: Tim Stearns 📞 Contact: (800) 640-2256 🌐 Website: https://www.tjstearns.com/ Discover actionable tips to minimize tax liabilities and maximize savings. With over three decades of experience, Tim shares valuable advice on proactive tax planning, helping you secure a brighter financial future. Tune

27:01

7 Financial Myths

Protect & Grow ·

2024/03/23

In this edition of "Protect & Grow" Tim Stearns, CFP® discusses "7 Financial Myths" that your retirement future may depend on. How reliable these assumptions are may determine the reliability of your retirement confidence and quality of life. "The Market Always Goes Up", "Taxes Will Go Down", "The Market Generates A Consistent Rate of Return": Is your financial future based on these widely held assumptions? How reliable are these beliefs? Are you betting your retirement on misconceptions or myths

27:01

Minimize Your Retirement Tax Bill

Protect & Grow ·

2024/03/16

Taxes are a pain. They are a thorn in our side. Paying taxes does mean that you made money (maybe - phantom gains in Mutual Funds??), so it has been called a “good problem to have”, but it is still a problem. However, NOT planning ahead for taxes and NOT understanding fully how taxes work in retirement, can make that pain much more significant. At TjStearns, we help savers and investors better determine their outcomes and make their goals, their reality. Specifically, if you would like to learn how

27:01

Retirement Ready

Protect & Grow ·

2024/03/09

Are you #readytoretire? Like, really ready? Not just tired of work and wishing to quit, but financially prepared for 20 to 30 years or more of unemployment? If you're retirement-minded and aiming for confidence when that day comes, tune in to this week's Protect and Grow as TimStearns, CFP® reviews the essential questions to answer to gauge your retirement readiness. For more information contact Tim Stearns, CFP® from TjStearns at (800) 640-2256 and visit the website https://www.tjstearns.com/.

27:01

Understanding Your Investment Options

Protect & Grow ·

2024/03/02

Welcome to our investment options breakdown! From basic bank accounts to high-stakes stocks, we've got you covered. Learn about CDs, bonds, stocks, mutual funds, annuities, ETFs, and tax strategies for a brighter financial future. Stick around for insightful tips and valuable insights. If you need personalized guidance, feel free to reach out to us at TjStearns. Let's navigate your financial journey together! 💼💰 For more information, contact Tim Stearns, CFP® at (800) 640-2256 or online at

27:01

Tax Planning

Protect & Grow ·

2024/02/24

In the world of personal finance, there's a misconception that only the wealthy have access to certain financial advantages. However, the truth is, the tax code treats everyone equally, regardless of net worth. The key is understanding how to leverage tax advantages tailored to your situation. That's why it's crucial to ask yourself, 'How am I managing my taxes now and in the future?' and 'Am I utilizing the most effective strategies to minimize my tax burden?' Unfortunately, tax planning often

27:01

Calculating Your Retirement Number

Protect & Grow ·

2024/02/17

Are you wondering about the financial requirements for retirement? Join us in this insightful program where we'll dive deep into understanding your retirement number. We'll explore practical methods for calculating it, the significance of adopting an Income Allocation strategy to tackle this challenge, and the specific risks it can mitigate. Additionally, we'll outline key considerations for structuring the Income Allocation portion of your retirement plan. Don't miss out on this comprehensive

27:01

Caring For Loved Ones

Protect & Grow ·

2024/02/10

Discover the intricacies of family care and financial well-being in this week's episode! Join us for a conversation with Tim Stearns, CFP® as we delve into the delicate balance between love and money in caring for your loved ones. Gain practical insights and thoughtful perspectives on navigating these crucial aspects of life. It's an engaging discussion that provides valuable considerations for your family's future. Contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at

27:01

Navigating Financial Pitfalls 🚀

Protect & Grow ·

2024/02/03

Join us as we dissect common financial missteps – from inadequate savings to the fear of spending. Dive into the intricacies of tax deferrals, optimize Social Security, and learn practical strategies for a smoother financial journey. Subscribe for concise insights into money matters. Contact Tim Stearns, CFP® at (800) 640-2256 or visit the website at https://www.tjstearns.com/.💡💰 #financialwisdom #retirementplanning

27:01

Understanding Your 401K

Protect & Grow ·

2024/01/27

🤔 Curious about 401(k)s? 🧐 Explore the ins and outs with Tim Stearns, CFP® from Tj Stearns, the good, the not-so-good, and everything in between. Get insights for smarter financial moves. No fluff, just real talk. Dive in and navigate the 401(k) landscape with us 🚀! Contact Tim Stearns, CFP® at (800) 640-2256 and visit the website at https://www.tjstearns.com/. #401kExplained #financialinsights #RetirementTalk

27:01

The Year In Preview

Protect & Grow ·

2024/01/20

Join us as we delve into the world of proactive financial planning! While many focus on past events, our show shifts the spotlight to the future. Tax filing becomes a personal financial reflection, but we're not dwelling on history. This is a discussion about the upcoming year, covering important topics and events. Connect with Tim Stearns, CFP® at TjStearns (800) 640-2256, and explore further on our website: https://www.tjstearns.com/. Let's explore the "Year In Preview" together!

53:58

Let's Start The Year Off Right

Protect & Grow ·

2024/01/13

Often times we hear about “The Year In Review”, looking back at major events that have happened in the prior year. In our personal financial lives, this is also what we do during tax preparation. Filing taxes is literally putting together a personal “Financial Year In Review”, but we are planners. This is a show about planning. Planning is about looking forward and being proactive, not looking back, being historical, or being reactive. Certainly, we can gain some knowledge from history (maybe we

27:01

New Year, New You?

Protect & Grow ·

2024/01/06

Planning for the Year(s) Ahead - 2023 has been a year unlike any other; we have had our share of ups and downs. Thankfully, the stock markets ended up more up than down. So, how do we plan ahead for an equally as unpredictable 2024 and beyond? One of the main things that careful planners prepare for while working and earning income is TAXES. As Tim Stearns, CFP® discusses, this year and next year may be an especially important tax planning opportunity not to miss. With the upcoming tax season and

27:01

Planning Resolutions For 2024

Protect & Grow ·

2023/12/30

As you look forward to the approaching new year, ready to chart your course for 2024, the prospect of setting financial goals may be on your mind. Perhaps you're aiming to eliminate lingering student loans by the next holiday season or contemplating strategies to enhance your retirement plan. Unlike the transient nature of many New Year's resolutions, effective goal-setting requires careful consideration. Research indicates that the average New Year's resolution barely endures into the spring, and

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