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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

27:08

Episode 243 - What Are Alternative Investments And...

Beer & Money ·

2024/04/01

In this episode, Ryan Burklo and Alex Collins discuss alternative investments and whether or not they are suitable for individual investors. They define alternative investments as those that do not fall into traditional categories like stocks, bonds, and cash. The hosts explain the concepts of correlation and standard deviation and how they relate to risk and diversification. They emphasize the importance of having a solid financial foundation, including an emergency fund, income protection, and

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23:06

Episode 242 - 4 Factors That Have The Greatest Impact...

Beer & Money ·

2024/03/25

In this episode, Ryan Burklo discusses the four factors that impact financial success: the amount of wealth, location of wealth, true liquidity ratio, and taxes. He emphasizes the importance of considering these factors when planning for retirement and making financial decisions. Ryan also highlights the significance of controlling cash flow and spending money on things that are valued. By understanding and optimizing these factors, individuals can improve their financial well-being and achieve

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49:33

Episode 241 - Interview With Estate Planning Attorney...

Beer & Money ·

2024/03/18

In this episode, Ryan Burklo interviews Katie Ludwick, an estate planning attorney, about estate planning. They discuss the potential changes to the federal estate tax, the Washington state estate tax, and the importance of proactive planning. They also explore estate planning techniques for minimizing taxes and ensuring liquidity. The conversation highlights the pitfalls of online estate planning services and emphasizes the need for personalized advice from an attorney. They conclude by stressing

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31:18

Episode 240 - What 3 Metrics You Should Use To...

Beer & Money ·

2024/03/11

In this episode, Ryan Burklo and Alex Collins discuss the metrics for analyzing financial health. They introduce the concept of top line being vanity, bottom line being sanity, and cash flow being reality. They emphasize the importance of measuring free cash flow, liquidity, and income protection to determine financial security. The hosts also challenge the traditional focus on rate of return as a metric and highlight the significance of control in financial decision-making. The episode concludes

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26:50

Episode 239 - The Best Way To Be Your Best

Beer & Money ·

2024/03/04

In this episode, Ryan Burklo and Alex Collins discuss the importance of knowing who you don't want to be in order to become the person you want to be. They explore the default path that many people follow and the need to break free from societal expectations. The conversation delves into the definition of success and the trap of focusing too much on money. They emphasize the importance of reevaluating goals and creating lasting memories with loved ones. The episode concludes with a question for

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21:07

Episode 238 - What Is A Good Tool To Track Your...

Beer & Money ·

2024/02/26

In this episode, Ryan Burklo and Alex Collins discuss the importance of tracking cash flow and steps to attain financial goals. They emphasize the need to understand abstract goals and how expenses play a role in achieving them. The hosts also highlight the use of technology in tracking expenses and recommend the Living Balance Sheet app. They discuss the importance of intentional decision-making when it comes to saving and investing money. Finally, they touch on the significance of protecting

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26:36

Episode 237 - Do You Have Fixed Rate Handcuffs?

Beer & Money ·

2024/02/20

In this episode, Ryan Burklo and Alex Collins discuss the impact of fixed interest rates on financial decisions. They explore how low interest rates can make people feel trapped in their current situations, whether it's buying a new home or making big purchases like cars. The hosts provide three solutions for homeowners, including renting, buying down the interest rate, or managing cashflow. They also discuss the importance of looking at the bigger picture when it comes to interest rates and

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18:26

Episode 236 - Why You Don't Plan For Your Finances

Beer & Money ·

2024/02/12

In this episode, Ryan and Alex discuss why you don't plan for your finances the way that you should. The beer of the day is Nothing But Hazy by Black Raven Brewing. If you would like to learn more about this beer, please visit their website https://blackravenbrewing.com/pages/on-tap If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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09:19

Episode 235 - A Formula For Your Vision That You Have...

Beer & Money ·

2024/02/05

In this episode, Ryan Burklo discusses the formula for vision and how it applies to personal finance. He shares his experience with the 75 Hard program and how it has pushed him to think differently about himself and his finances. The formula for vision consists of having a target or goal, a belief in your ability to achieve it, a plan, and a willingness to explore multiple pathways. Ryan emphasizes the importance of understanding your true definition of wealth and being flexible in adapting your

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20:48

Episode 235 - Cash Flow Concepts

Beer & Money ·

2024/01/29

Summary In this episode, Ryan Burklo and Alex Collins discuss the number one problem for most people with their personal finances: cash flow. They explore the default cash flow management system that most people use, where income goes directly into a checking account and expenses are paid from there. They highlight the importance of interrupting the spending circuit and building a reserve to cover one-time expenses. They also discuss the power of saving rates and how incremental changes and

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10:02

Episode 234 - Morning Walks Can Fix Your Finances

Beer & Money ·

2024/01/22

In this episode, Ryan Burklo discusses how going for a walk can help improve your finances. He shares his personal experience of struggling to find time for communication with his spouse and how they decided to go for a walk every morning to spend quality time together. This simple routine allowed them to have conversations about their day, their children, and eventually led to discussions about their finances. They realized the need to get their finances in order and started working on it. Ryan

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20:47

Episode 233 - Another Tax Efficient Distribution Method

Beer & Money ·

2024/01/16

Summary In this episode, Ryan Burklo and Alex Collins continue their discussion on turning assets into income in retirement. They emphasize the importance of understanding this process early on, even if retirement is still far away. The conversation covers various tax reduction strategies, including the use of investment dollars and annuitization of assets. They also highlight the need for balance and flexibility in retirement planning, as well as the limitations and considerations of different

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32:00

Episode 232 - Tax Efficient Distribution

Beer & Money ·

2024/01/08

In this episode, Ryan Burklo and Alex Collins discuss how money is taxed in retirement. They emphasize the importance of considering both current and future taxation when making financial plans. They provide a historical overview of federal income tax brackets and highlight the impact of major events on tax rates. The hosts also explain the difference between marginal and effective tax rates. They introduce the concept of the amortization of an asset strategy and compare the outcomes of

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24:46

Episode 231 - How Much True Liquidity Do You Have?

Beer & Money ·

2024/01/02

Summary In this episode, Ryan Burklo and Alex Collins discuss the concept of true liquidity and its importance in retirement planning. They explain that true liquidity goes beyond cash reserves and savings, and involves considering what assets will be accessible and how to turn them into income during retirement. They highlight the risks of relying solely on market-based assets for income in retirement and the potential for compounding losses. The hosts introduce the concept of true liquidity as a

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30:45

Episode 230 - What Is Your Investment Philosophy?

Beer & Money ·

2023/12/27

Summary In this episode, Ryan Burklo and Alex Collins discuss investment philosophy and the different approaches to investing. They cover three main styles: active management, passive management, and structured management. They also touch on the importance of investment structure and aligning investments with personal values. The hosts emphasize the need for a balanced approach to investing and setting up a solid financial foundation. Takeaways Understanding your investment philosophy is crucial for

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13:14

Episode 229 - 5 Ways To Build Wealth And Maximize Life

Beer & Money ·

2023/12/18

In this episode, Ryan Burklo discusses five ways to build wealth and maximize life. He emphasizes the importance of spending money on items that truly matter, focusing on what can be controlled, protecting income and family's wealth, creating lasting connections with family, and limiting phone use when with family. These strategies serve as reminders to prioritize what is truly important and make intentional choices. Spend money on items that you truly care about and use the 80-20 rule to allocate

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25:50

Episode 228 - 3 Takeaways From Morgan Housel's New...

Beer & Money ·

2023/12/11

In this episode, Ryan and Alex discuss 3 takeaways from Morgan Housel's new book Same As Ever. The beer of the day is Farmhaze IPA from Remlinger Brewery. If you would like to learn more about this beer, please visit their website https://remlingerfarms.com/brewery/ If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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15:06

Episode 227 - What Would We Tell Our Moms To Ask If...

Beer & Money ·

2023/12/04

In this episode, Ryan and Alex discuss the top five things they would tell their moms to ask if they were interviewing financial advisors. The beer of the day is Pitchfork IPA from Remlinger Brewery. If you would like to learn more about this beer, please visit their website https://remlingerfarms.com/brewery/ If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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21:54

Episode 226 - What Your Competing Priorities Are...

Beer & Money ·

2023/11/27

In this episode, Ryan and Alex discuss what your competing priorities are costing you in your everyday life with your finances. The beers of the day are Remlinger Brewery's Gary IPA and Fremont Brewing's Sky Kraken IPA. If you would like to learn more about these beers, please visit their websites https://remlingerfarms.com/brewery/ https://www.fremontbrewing.com/sky-kraken If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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26:24

Episode 225 - Given The State Of The World, How To...

Beer & Money ·

2023/11/20

In this episode, Ryan and Alex discuss the state of the world and how you can prepare your finances to weather the storm. The beers of the day are Tolt IPA from Valley House Brewing and Lucille IPA from Georgetown Brewing. If you would like to learn more about these beers, please visit their websites https://valleyhousebrewing.com/ https://georgetownbeer.com/beer/details/lucille If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net

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326 results

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